{"id":31,"date":"2025-10-15T07:10:33","date_gmt":"2025-10-15T07:10:33","guid":{"rendered":"https:\/\/veribanka.com\/?p=31"},"modified":"2025-10-15T07:10:34","modified_gmt":"2025-10-15T07:10:34","slug":"mevduat-ve-kredi-faizleri-sikiligi-fiyatliyor","status":"publish","type":"post","link":"https:\/\/veribanka.com\/?p=31","title":{"rendered":"Mevduat ve kredi faizleri s\u0131k\u0131l\u0131\u011f\u0131 fiyatl\u0131yor"},"content":{"rendered":"\n<p>Y\u00fcksek gelen eyl\u00fcl enflasyon verisi ile TCMB Ba\u015fkan\u0131 Karahan\u2019\u0131n \u015fahin mesajlar\u0131 s\u0131k\u0131l\u0131\u011f\u0131n bir s\u00fcre daha korunaca\u011f\u0131na y\u00f6nelik beklentileri artt\u0131rd\u0131. 23 Ekim\u2019de PPK toplant\u0131s\u0131nda politika faiz indirimine ara verilece\u011fi veya ad\u0131m k\u00fc\u00e7\u00fclt\u00fclece\u011fi tahminleri bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kredi ve mevduat faizlerinde y\u00fcksek seyri korumas\u0131na neden oldu.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"486\" data-id=\"27\" src=\"https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/mehmetsimsek.jpg\" alt=\"\" class=\"wp-image-27\" srcset=\"https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/mehmetsimsek.jpg 864w, https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/mehmetsimsek-300x169.jpg 300w, https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/mehmetsimsek-768x432.jpg 768w\" sizes=\"auto, (max-width: 864px) 100vw, 864px\" \/><\/figure>\n<\/figure>\n\n\n\n<p><br>Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde kredi ve mevduat faizleri y\u00fcksek seyrini koruyor. Eyl\u00fclde y\u00fcksek gelen enflasyon verisi, Merkez Bankas\u0131 Ba\u015fkan\u0131 Fatih Karahan\u2019\u0131n \u015fahin mesajlar\u0131 bankac\u0131l\u0131k sekt\u00f6r\u00fcnde mevduat ve kredi faizlerinde indirimi erteledi. Eyl\u00fcl sonunda TL mevduatta y\u00fczde 60 oran\u0131n\u0131 yakalamak i\u00e7in artan faizler enflasyon verisi sonras\u0131 \u00e7ok da gerileyemedi. Bankalar mevduat faiz oranlar\u0131n\u0131 \u00f6zellikle k\u0131sa vadede y\u00fczde 40,5 olan politika faizinin \u00fczerinde tutmaya devam ederken yeni m\u00fc\u015fterilere verilen faiz oranlar\u0131 y\u00fczde 47-48 seviyesinde kalmaya s\u00fcrd\u00fcr\u00fcyor.<\/p>\n\n\n\n<p>\u0130htiya\u00e7 kredi faiz oranlar\u0131 da 12 ay vadede ayl\u0131k y\u00fczde 3,99 ile y\u00fczde 7,49 aras\u0131nda de\u011fi\u015fen oranlarda kulland\u0131r\u0131l\u0131yor. Eyl\u00fcl ay\u0131 enflasyonu y\u00fczde 2,5 olan beklentileri olduk\u00e7a a\u015ft\u0131, y\u00fczde 3,23 ger\u00e7ekle\u015fti, y\u0131ll\u0131k t\u00fcketici enflasyonu ise 16 ay sonra ilk kez bir \u00f6nceki aydan y\u00fcksek \u00e7\u0131karak y\u00fczde 33,29 oldu.<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"634\" height=\"439\" data-id=\"34\" src=\"https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/bankafaizdegisimi.webp\" alt=\"\" class=\"wp-image-34\" srcset=\"https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/bankafaizdegisimi.webp 634w, https:\/\/veribanka.com\/wp-content\/uploads\/2025\/10\/bankafaizdegisimi-300x208.webp 300w\" sizes=\"auto, (max-width: 634px) 100vw, 634px\" \/><\/figure>\n<\/figure>\n\n\n\n<p>Piyasan\u0131n ekim ay\u0131na ili\u015fkin enflasyon beklentisi de y\u00fczde 2,8 seviyesinde bulunuyor ve y\u0131ll\u0131k enflasyon da bu tahminler y\u00fczde 33,2 seviyesinde yatay kalmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Y\u0131lsonu piyasan\u0131n enflasyon tahminleri ise y\u00fczde 30-32 aras\u0131nda de\u011fi\u015fiyor. Enflasyonun Merkez Bankas\u0131\u2019n\u0131n y\u00fczde 25-29 olan tahmin band\u0131n\u0131n olduk\u00e7a \u00fczerinde y\u0131l\u0131 tamamlamas\u0131 bekleniyor.<\/p>\n\n\n\n<p>Y\u0131lsonuna ili\u015fkin politika faiz oran\u0131 beklentileri de 200 baz puana yak\u0131n y\u00fckseltildi. Y\u00fczde 35-37 civar\u0131nda olan y\u0131lsonu politika faiz beklentileri y\u00fczde 37-39 aral\u0131\u011f\u0131na \u00e7\u0131kar\u0131ld\u0131. Merkez Bankas\u0131 Ba\u015fkan\u0131 Fatih Karahan da enflasyon verisi sonras\u0131 verdi\u011fi mesajlarda 2024 Haziran\u2019dan bu yana devam eden dezenflasyon s\u00fcrecinin yava\u015flad\u0131\u011f\u0131n\u0131, atacaklar\u0131 ad\u0131mlarla enflasyonun ara hedeflere uyumlu \u015fekilde seyretmesini sa\u011flayacaklar\u0131n\u0131 s\u00f6yledi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Devaml\u0131 m\u00fc\u015fteriye bile y\u00fczde 40,5 \u00fczerinde faiz<\/h2>\n\n\n\n<p>TL mevduat faiz oranlar\u0131 da y\u00fcksek seyrine devam ediyor. Bankalar\u0131n internet sitelerinde ilan ettikleri standart TL mevduat faiz oranlar\u0131 baz\u0131 bankalarda y\u00fczde 40,5 politika faizinin \u00fczerinde. Garanti BBVA\u2019da 100 bin lira mevduata 32 g\u00fcn vadede y\u00fczde 42,5 oran\u0131nda faiz verilirken, Yap\u0131 Kredi&#8217;de bu oran y\u00fczde 41,5, Denizbank&#8217;ta y\u00fczde 44 seviyesinde bulunuyor. Halkbank&#8217;ta y\u00fczde 35, Ziraat Bankas\u0131&#8217;nda y\u00fczde 37, \u0130\u015f Bankas\u0131&#8217;nda y\u00fczde 34,5, TEB&#8217;de y\u00fczde 38, Akbank&#8217;ta y\u00fczde 33, Fibabanka&#8217;da y\u00fczde 39, QNB&#8217;de y\u00fczde 29,75, Vak\u0131fb ank&#8217;ta ise y\u00fczde 36 seviyesinde mevduat faizi var 32 g\u00fcn vadede. 46 g\u00fcn vadede politika faizinin \u00fczerine sadece Denizbank \u00e7\u0131karken 92 g\u00fcn vadeye bankalar 46 g\u00fcne nazaran daha y\u00fcksek faiz teklif ediyor. Yap\u0131 Kredi 92 g\u00fcn vadeli mevduata y\u00fczde 40,5 ile politika faizi kadar faiz oran\u0131 sunuyor. Di\u011fer bankalar\u0131n da y\u00fczde 24,25 ile y\u00fczde 39,5 aras\u0131nda de\u011fi\u015fen faiz oranlar\u0131 teklif ediyorlar m\u00fc\u015fterilerine. Yeni m\u00fc\u015fterilere verilen ho\u015f geldin faiz oranlar\u0131n\u0131n tamam\u0131 y\u00fczde 40,5 politika faizinin \u00fczerinde. Bir ay ge\u00e7erli olan bu faiz oranlar\u0131 y\u00fczde 44 ile y\u00fczde 48 aras\u0131nda de\u011fi\u015fim g\u00f6steriyor. \u00c7ok y\u00fckl\u00fc mevduatlara ise bankalar daha \u00f6zel faiz oranlar\u0131 teklif ediyor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Y\u00fcksek gelen eyl\u00fcl enflasyon verisi ile TCMB Ba\u015fkan\u0131 Karahan\u2019\u0131n \u015fahin mesajlar\u0131 s\u0131k\u0131l\u0131\u011f\u0131n bir s\u00fcre daha korunaca\u011f\u0131na y\u00f6nelik beklentileri artt\u0131rd\u0131. 23 Ekim\u2019de PPK toplant\u0131s\u0131nda politika faiz indirimine ara verilece\u011fi veya ad\u0131m k\u00fc\u00e7\u00fclt\u00fclece\u011fi tahminleri bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kredi ve mevduat faizlerinde y\u00fcksek seyri korumas\u0131na neden oldu. Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde kredi ve mevduat faizleri y\u00fcksek seyrini koruyor. Eyl\u00fclde y\u00fcksek gelen [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":33,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[11,9,10],"class_list":["post-31","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tr","tag-enflasyon","tag-faiz","tag-turkiye"],"_links":{"self":[{"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/veribanka.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=31"}],"version-history":[{"count":1,"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/posts\/31\/revisions"}],"predecessor-version":[{"id":35,"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/posts\/31\/revisions\/35"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/veribanka.com\/index.php?rest_route=\/wp\/v2\/media\/33"}],"wp:attachment":[{"href":"https:\/\/veribanka.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/veribanka.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/veribanka.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}