T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Banka Kredileri E\u011filim Anketi’ne g\u00f6re, bu y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, i\u015fletmelere verilen kredilere olan talepteki art\u0131\u015f g\u00fc\u00e7lenerek devam etti.<\/p>\n
TCMB’nin, bankalar\u0131n 2026 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin de\u011ferlendirmeleri ile d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin beklentilerini i\u00e7eren Banka Kredileri E\u011filim Anketi sonu\u00e7lar\u0131 yay\u0131mland\u0131.<\/p>\n
Ankete g\u00f6re, 2026 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, bankalar\u0131n kulland\u0131rd\u0131klar\u0131 i\u015fletme kredilerine ili\u015fkin genel de\u011ferlendirmeleri, uygulad\u0131klar\u0131 standartlarda s\u0131k\u0131la\u015fman\u0131n zay\u0131flayarak devam etti\u011fi y\u00f6n\u00fcnde ger\u00e7ekle\u015fti.<\/p>\n
Alt k\u0131r\u0131l\u0131mlar incelendi\u011finde, \u00f6l\u00e7ek bak\u0131m\u0131ndan KOB\u0130\u2019lere uygulanan standartlardaki s\u0131k\u0131la\u015fman\u0131n yerini s\u0131n\u0131rl\u0131 gev\u015femeye b\u0131rakt\u0131\u011f\u0131 g\u00f6zlenirken, b\u00fcy\u00fck i\u015fletmelere verilen kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fman\u0131n zay\u0131flayarak devam etti\u011fi g\u00f6r\u00fcl\u00fcyor.<\/p>\n
Vade bak\u0131m\u0131ndan k\u0131sa ve uzun vadeli kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fman\u0131n yerini gev\u015femeye b\u0131rakt\u0131\u011f\u0131 g\u00f6zleniyor.<\/p>\n
Para cinsi bak\u0131m\u0131ndan ise TL kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fma da yerini gev\u015femeye b\u0131rak\u0131rken, yabanc\u0131 para kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fma e\u011filiminin zay\u0131flayarak devam etti\u011fi g\u00f6r\u00fcld\u00fc.<\/p>\n
Ayn\u0131 d\u00f6nemde, konut kredilerine uygulanan standartlardaki s\u0131k\u0131la\u015fma g\u00fc\u00e7lenirken, di\u011fer bireysel kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fma zay\u0131flayarak devam etti.<\/p>\n
– KOB\u0130\u2019lere verilen kredilere uygulanan standartlardaki gev\u015femenin g\u00fc\u00e7lenece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor<\/p>\n
Ankete g\u00f6re, ta\u015f\u0131t kredilerine uygulanan standartlar\u0131n temelde ayn\u0131 kald\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/p>\n
Bu y\u0131l\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde, bankalar\u0131n kulland\u0131rd\u0131klar\u0131 i\u015fletme kredilerine ili\u015fkin genel beklentileri, uygulad\u0131klar\u0131 standartlardaki s\u0131k\u0131la\u015fman\u0131n yerini gev\u015femeye b\u0131rakaca\u011f\u0131 y\u00f6n\u00fcnde bulunuyor.<\/p>\n
Alt k\u0131r\u0131l\u0131mlar incelendi\u011finde, \u00f6l\u00e7ek bak\u0131m\u0131ndan KOB\u0130\u2019lere verilen kredilere uygulanan standartlardaki gev\u015femenin g\u00fc\u00e7lenerek devam edece\u011fi, b\u00fcy\u00fck i\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fman\u0131n yerini gev\u015femeye b\u0131rakaca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n
Bununla birlikte, vade bak\u0131m\u0131ndan k\u0131sa ve uzun vadeli kredilere uygulanan standartlardaki gev\u015femenin devam edece\u011fi, para cinsi bak\u0131m\u0131ndan ise TL kredilere uygulanan standartlardaki gev\u015femenin g\u00fc\u00e7lenerek devam edece\u011fi tahmin ediliyor.<\/p>\n
YP kredilere uygulanan standartlardaki s\u0131k\u0131la\u015fman\u0131n yerini s\u0131n\u0131rl\u0131 gev\u015femeye b\u0131rakaca\u011f\u0131 ve ayn\u0131 d\u00f6nemde konut, ta\u015f\u0131t ve di\u011fer bireysel kredilere uygulanan standartlarda belirgin bir de\u011fi\u015fim olmayaca\u011f\u0131 bekleniyor.<\/p>\n
Ankete g\u00f6re, bu y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, i\u015fletmelere verilen kredilere olan talepteki art\u0131\u015f g\u00fc\u00e7lenerek devam etti.<\/p>\n
Alt k\u0131r\u0131l\u0131mlar incelendi\u011finde, \u00f6l\u00e7ek bak\u0131m\u0131ndan KOB\u0130 ve b\u00fcy\u00fck i\u015fletmelere verilen kredi talebindeki, vade bak\u0131m\u0131ndan k\u0131sa ve uzun vadeli kredi talebindeki ve para cinsi bak\u0131m\u0131ndan TL ve YP kredilere olan talepteki art\u0131\u015f\u0131n g\u00fc\u00e7lenerek devam etti\u011fi g\u00f6r\u00fcld\u00fc.<\/p>\n
Ayn\u0131 d\u00f6nemde, konut ve ta\u015f\u0131t kredi talebindeki azal\u0131\u015f\u0131n devam etti\u011fi g\u00f6zlenirken, di\u011fer bireysel kredi talebindeki s\u0131n\u0131rl\u0131 azal\u0131\u015f\u0131n ise yerini s\u0131n\u0131rl\u0131 art\u0131\u015fa b\u0131rakt\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc.<\/p>\n
Borcun yeniden yap\u0131land\u0131r\u0131lmas\u0131 ile stok art\u0131r\u0131m\u0131 ve i\u015fletme sermayesi, i\u015fletme kredi talebini art\u0131r\u0131c\u0131 y\u00f6nde etkileyen en \u00f6nemli fakt\u00f6rler olurken, konut kredilerinde alternatif finansman kullan\u0131m\u0131, ta\u015f\u0131t kredilerinde ta\u015f\u0131t piyasas\u0131na ili\u015fkin beklentiler ile alternatif finansman kullan\u0131m\u0131 talebi azalt\u0131c\u0131 y\u00f6nde etkileyen en \u00f6nemli fakt\u00f6rler oldu.<\/p>\n
Di\u011fer bireysel kredilerde ise t\u00fcketici g\u00fcveni, talebi art\u0131r\u0131c\u0131 y\u00f6nde etkileyen fakt\u00f6r oldu.<\/p>\n
2026 y\u0131l\u0131n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde, i\u015fletme kredilerine olan talepteki art\u0131\u015f\u0131n devam edece\u011fi bekleniyor.<\/p>\n
– TL kredi talebindeki art\u0131\u015f\u0131n g\u00fc\u00e7lenmesi bekleniyor<\/p>\n
Alt k\u0131r\u0131l\u0131mlar incelendi\u011finde, \u00f6l\u00e7ek bak\u0131m\u0131ndan KOB\u0130 ve b\u00fcy\u00fck i\u015fletme kredi talebindeki art\u0131\u015f\u0131n g\u00fc\u00e7lenerek devam etmesi bekleniyor.<\/p>\n
Vade bak\u0131m\u0131ndan k\u0131sa vadeli kredi talebindeki art\u0131\u015f\u0131n g\u00fc\u00e7lenerek, uzun vadeli kredi talebindeki art\u0131\u015f\u0131n zay\u0131flayarak devam edece\u011fi, para cinsi bak\u0131m\u0131ndan ise TL kredi talebindeki art\u0131\u015f\u0131n g\u00fc\u00e7lenerek, YP kredi talebindeki art\u0131\u015f\u0131n zay\u0131flayarak devam edece\u011fi tahmin ediliyor.<\/p>\n
Ayn\u0131 d\u00f6nemde, konut ve di\u011fer bireysel kredi talebinde belirgin bir de\u011fi\u015fim olmayaca\u011f\u0131, ta\u015f\u0131t kredi talebindeki azal\u0131\u015f\u0131n ise g\u00fc\u00e7lenerek devam edece\u011fi bekleniyor.<\/p>\n
\u0130\u015fletmelere kulland\u0131r\u0131lan kredilere uygulanan ko\u015ful ve kurallara bak\u0131ld\u0131\u011f\u0131nda, ortalama krediler \u00fczerindeki kar marj\u0131nda azal\u0131\u015f g\u00f6r\u00fcl\u00fcrken daha riskli krediler \u00fczerindeki kar marj\u0131nda s\u0131n\u0131rl\u0131 art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/p>\n
Ayr\u0131ca kredi ya da kredi limitinin b\u00fcy\u00fckl\u00fc\u011f\u00fc ile teminat ihtiyac\u0131na ili\u015fkin ko\u015ful ve kurallarda s\u0131k\u0131la\u015fma devam ederken faiz d\u0131\u015f\u0131nda al\u0131nan \u00fccret ve komisyonlara ili\u015fkin ko\u015ful ve kurallarda gev\u015feme g\u00f6zlendi.<\/p>\n
\u200b\u200b\u200b\u200b\u200b\u200b\u200bDi\u011fer taraftan konut kredilerinde ortalama krediler ve daha riskli krediler \u00fczerindeki kar marj\u0131nda belirgin bir art\u0131\u015f g\u00f6r\u00fcld\u00fc. Ta\u015f\u0131t kredilerine ve di\u011fer bireysel kredilere uygulanan ko\u015ful ve kurallar temelde ayn\u0131 kald\u0131.<\/p>\n
Bankalar\u0131n fon sa\u011flama imkanlar\u0131n\u0131n geli\u015fimi incelendi\u011finde, 2026 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde yurt i\u00e7i fonlama ko\u015fullar\u0131ndaki s\u0131k\u0131la\u015fma y\u00f6nl\u00fc de\u011ferlendirmelerin yerini gev\u015feme y\u00f6nl\u00fc de\u011ferlendirmelere b\u0131rakt\u0131\u011f\u0131, yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131ndaki s\u0131k\u0131la\u015fma y\u00f6nl\u00fc de\u011ferlendirmelerin ise zay\u0131flayarak devam etti\u011fi g\u00f6r\u00fcld\u00fc.<\/p>\n
Yurt d\u0131\u015f\u0131 fonlama maliyeti ile di\u011fer ko\u015ful ve kurallar, yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131n\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131c\u0131 y\u00f6nde etkilemeye devam etti.<\/p>\n
\u00d6te yandan 2026 y\u0131l\u0131n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde, yurt i\u00e7i fonlama ko\u015fullar\u0131ndaki gev\u015femenin ve yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131ndaki s\u0131k\u0131la\u015fman\u0131n devam edece\u011fi bekleniyor.<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Banka Kredileri E\u011filim Anketi’ne g\u00f6re, bu y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, i\u015fletmelere verilen kredilere olan talepteki art\u0131\u015f g\u00fc\u00e7lenerek devam etti. TCMB’nin, bankalar\u0131n 2026 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin de\u011ferlendirmeleri ile d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin beklentilerini i\u00e7eren Banka Kredileri E\u011filim Anketi sonu\u00e7lar\u0131 yay\u0131mland\u0131. Ankete g\u00f6re, 2026 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde, bankalar\u0131n kulland\u0131rd\u0131klar\u0131 i\u015fletme kredilerine ili\u015fkin genel …<\/p>\n","protected":false},"author":1,"featured_media":156731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[25518,4393,11646,49855,3433,312],"class_list":["post-156730","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-turkiye","tag-anketi","tag-banka","tag-egilim","tag-kredileri","tag-tcmb","tag-yayimlandi"],"_links":{"self":[{"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/posts\/156730"}],"collection":[{"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/comments?post=156730"}],"version-history":[{"count":0,"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/posts\/156730\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/media\/156731"}],"wp:attachment":[{"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/media?parent=156730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/categories?post=156730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kibrishost.com\/tak\/wp-json\/wp\/v2\/tags?post=156730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}