{"id":23953,"date":"2026-10-28T07:35:39","date_gmt":"2026-10-28T04:35:39","guid":{"rendered":"https:\/\/memurunsesi.net\/?p=23953"},"modified":"2026-10-28T07:35:39","modified_gmt":"2026-10-28T04:35:39","slug":"faizde-buyuk-makas-prof-dr-senol-babuscu-ihtiyac-faizi-yuzde-64-mevduat-faizi-yuzde-43-44","status":"publish","type":"post","link":"https:\/\/memurunsesi.net\/index.php\/2026\/10\/28\/faizde-buyuk-makas-prof-dr-senol-babuscu-ihtiyac-faizi-yuzde-64-mevduat-faizi-yuzde-43-44\/","title":{"rendered":"Faizde b\u00fcy\u00fck makas&#8230; Prof. Dr. \u015eenol Babu\u015fcu: &#8220;\u0130htiya\u00e7 faizi y\u00fczde 64, mevduat faizi y\u00fczde 43-44&#8221;"},"content":{"rendered":"<h3><span style=\"font-size: 1.125rem; color: #404040; font-weight: 400;\" data-contrast=\"auto\">\u00a0 \u00a0 Merkez Bankas\u0131, politika faizini y\u00fczde 37&#8217;den y\u00fczde 36&#8217;ya d\u00fc\u015f\u00fcrmesi, bankalar\u0131n kredi faizlerine yans\u0131mad\u0131. Bankac\u0131l\u0131k uzman\u0131 Prof. Dr. \u015eenol Babu\u015fcu, &#8220;Vatanda\u015flar, bankadan bireysel kredi kulland\u0131\u011f\u0131nda y\u00fczde 64\u2019le bor\u00e7lan\u0131yor. Ta\u015f\u0131t kredileri de bu d\u00fczeye yak\u0131nd\u0131r. Ticari kredi bile\u015fik faizleri y\u00fczde 60&#8217;larda&#8230; Mevduat faizi de bile\u015fik y\u00fczde 43-44, basit faiz y\u00fczde 37-38&#8221; dedi. Babu\u015fcu, bankalar\u0131n a\u00e7t\u0131\u011f\u0131 kredi ile mevduat faizleri aras\u0131ndaki fark\u0131n 20 puan oldu\u011funa i\u015faret ederek, &#8220;Bunun yar\u0131s\u0131 bankalar\u0131n personel dahil i\u015fletme giderlerine gider, di\u011fer yar\u0131s\u0131 da k\u00e2rd\u0131r&#8221; dedi.\u00a0 <\/span><span style=\"font-size: 1.125rem; color: #404040; font-weight: 400;\" data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<div class=\"detail-of-news\">\n<p><span data-contrast=\"auto\">T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131, ge\u00e7en hafta per\u015fembe g\u00fcn\u00fc politika faizi olan bir hafta vadeli repo ihale faiz oran\u0131n\u0131 100 baz puan indirerek y\u00fczde 36&#8217;ya \u00e7ekti.\u00a0T\u00fcrkiye, mevcut faiz oran\u0131yla Arjantin\u2019den sonra d\u00fcnyada ikinci s\u0131rada yer al\u0131yor.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Merkez Bankas\u0131 Para Politikas\u0131 Kurulu (PPK), bu y\u0131l\u0131n\u00a0 son toplant\u0131s\u0131n\u0131 10 Aral\u0131k&#8217;ta yapacak. Uzmanlar, bu toplant\u0131da da faizlerin indirilmesini bekliyor.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><strong>BANKA KRED\u0130 FA\u0130ZLER\u0130 DE\u011e\u0130\u015eMED\u0130\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Prof. Dr. \u015eenol Babu\u015fcu, ANKA HAber Ajans\u0131&#8217;n\u0131n sorusu \u00fczerine, Merkez Bankas\u0131&#8217;n\u0131n faizi 1 puan indirdi\u011fin hat\u0131rlatarak,\u00a0 &#8220;Evet, politika faizi y\u00fczde 36&#8217;ya d\u00fc\u015f\u00fcr\u00fcld\u00fc. Buna kar\u015f\u0131l\u0131k vatanda\u015flar, bankadan bireysel kredi kulland\u0131\u011f\u0131nda y\u00fczde 64\u2019le bor\u00e7lan\u0131yor. Ta\u015f\u0131t kredileri de bu d\u00fczeye yak\u0131nd\u0131r. Ticari kredi bile\u015fik faizleri y\u00fczde 60&#8217;larda&#8230; Mevduat faizi de bile\u015fik y\u00fczde 43-44, basit faiz y\u00fczde 37-38&#8221; diye konu\u015ftu. <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Babu\u015fcu, banka kredi faizlerinde indirim bekleyip beklemedi\u011fi sorusunu, &#8220;\u015eu a\u015famada herhangi bir de\u011fi\u015fiklik beklemiyorum&#8221; diyerek yan\u0131tlad\u0131.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><strong>20 PUAN FARK VAR\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Babu\u015fcu, bankalar\u0131n a\u00e7t\u0131\u011f\u0131 kredi ile mevduat faizleri aras\u0131ndaki fark\u0131n 20 puan oldu\u011funa i\u015faret ederek, &#8220;Bunun yar\u0131s\u0131 bankalar\u0131n personel dahil i\u015fletme giderlerine gider, di\u011fer yar\u0131s\u0131 da k\u00e2rd\u0131r&#8221; dedi.\u00a0 <\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Merkez Bankas\u0131&#8217;n\u0131n aral\u0131k ay\u0131 toplant\u0131s\u0131nda faizi bir kez daha indirebilece\u011fini belirten Babu\u015fcu, bu durumda yeni y\u0131lda s\u0131n\u0131rl\u0131 da olsa kredi faizlerinde bir indirimin g\u00fcndeme gelebilece\u011fini, vatanda\u015f\u0131n istedi\u011fi\u00a0oranlarda faiz i\u00e7in al\u0131nacak \u00e7ok yolun oldu\u011funu vurgulad\u0131.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><strong>&#8220;BATIK KRED\u0130LER \u0130K\u0130YE KATLANDI&#8221;\u00a0<\/strong><\/p>\n<p><span data-contrast=\"auto\">Babu\u015fcu, T\u00fcrkiye&#8217;nin \u00f6n\u00fcndeki sorunlardan birinin de bat\u0131k krediler oldu\u011funu kaydederek, &#8220;Son 3 ayda \u00f6nceki 3 aya bak\u0131ld\u0131\u011f\u0131nda bat\u0131k kredi tutarlar\u0131 ikiye katland\u0131&#8221; dedi.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">Babu\u015fcu, bat\u0131k kredilerin artmas\u0131n\u0131n\u00a0<\/span><span data-contrast=\"auto\">en temel nedeninin yoksulluk ve\u00a0y\u00fcksek enflasyon oldu\u011funu belirterek, &#8221; Bu konu \u00f6nemli ve dikkatle takip edilmesi gerekiyor&#8221; dedi.<\/span><\/p>\n<p>28.10.2026<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00a0 Merkez Bankas\u0131, politika faizini y\u00fczde 37&#8217;den y\u00fczde 36&#8217;ya d\u00fc\u015f\u00fcrmesi, bankalar\u0131n kredi faizlerine yans\u0131mad\u0131. Bankac\u0131l\u0131k uzman\u0131 Prof. Dr. \u015eenol Babu\u015fcu, &#8220;Vatanda\u015flar, bankadan bireysel kredi kulland\u0131\u011f\u0131nda y\u00fczde 64\u2019le bor\u00e7lan\u0131yor. Ta\u015f\u0131t kredileri de bu d\u00fczeye yak\u0131nd\u0131r. Ticari kredi bile\u015fik faizleri y\u00fczde 60&#8217;larda&#8230; Mevduat faizi de bile\u015fik y\u00fczde 43-44, basit faiz y\u00fczde 37-38&#8221; dedi. Babu\u015fcu, bankalar\u0131n a\u00e7t\u0131\u011f\u0131 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23954,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[8290,8292,8293,8291],"class_list":["post-23953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-faizde-buyuk-makas","tag-ihtiyac-faizi-yuzde-64","tag-mevduat-faizi-yuzde-43-44","tag-prof-dr-senol-babuscu"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Faizde b\u00fcy\u00fck makas... 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