Olursa Ne Olur?:<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n d\u00f6nem sonu \u00f6demesi gereken asgari \u00f6deme tutar\u0131 art\u0131\u015f g\u00f6sterecek.<\/li>\n<\/ul>\nBDDK, 09.06.2022 tarihli karar\u0131nda asgari \u00f6deme oran\u0131n\u0131 limiti 25.000 TL’nin alt\u0131nda olan kredi kartlar\u0131 i\u00e7in d\u00f6nem sonu borcunun %20’si<\/strong>, limiti 25.000 TL’nin \u00fczerinde olan kredi kartlar\u0131 i\u00e7in d\u00f6nem sonu borcunun %40’\u0131<\/strong> olarak belirlemi\u015fti. Yeni kredi kart\u0131 d\u00fczenlemesinde asgari \u00f6deme oran\u0131 tekrar artabilir.<\/p>\n\u00d6rn. 100.000 TL limitli bir kredi kart\u0131n\u0131n 30.000 TL d\u00f6nem sonu borcu i\u00e7in \u00f6denmesi gereken asgari \u00f6deme tutar\u0131 %40 \u00fczerinden (30.000 x 1,40 =) 12.000 TL olarak hesaplan\u0131r.<\/p>\n
Yeni d\u00fczenleme ile birlikte bu oran varsay\u0131msal olarak %60 olarak belirlenirse yeni asgari \u00f6deme tutar\u0131 (30.000 x 1,60 =) 18.000 TL olacakt\u0131r.<\/p>\n
<\/span>Kartlarda taksit uygulamas\u0131 k\u0131s\u0131tlanabilir ya da kald\u0131r\u0131labilir<\/span><\/h3>\n\n- Olursa Ne Olur?:<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa belirli sekt\u00f6rlerde kredi kartlar\u0131 i\u00e7in uygulanan genel taksit s\u0131n\u0131r\u0131 d\u00fc\u015f\u00fcr\u00fclecek ya da kald\u0131r\u0131lacak.<\/li>\n<\/ul>\n
BDDK, halihaz\u0131rda belirli \u00fcr\u00fcn ve hizmet gruplar\u0131 i\u00e7in \u00e7e\u015fitli taksit s\u0131n\u0131rlar\u0131 ve yasaklar\u0131 uygulamaktad\u0131r. Yeni kredi kart\u0131 d\u00fczenlemesinde belirli sekt\u00f6rler i\u00e7in yeni taksit s\u0131n\u0131rlar\u0131 ve yasaklar\u0131 getirilebilir.<\/p>\n
\u00d6rn. BDDK, 31.07.23 tarihli karar\u0131nda yurt d\u0131\u015f\u0131na ili\u015fkin hava yollar\u0131, seyahat acenteleri ve konaklama harcamalar\u0131na taksit yasa\u011f\u0131 getirmi\u015fti.<\/p>\n
Yeni d\u00fczenleme ile birlikte farkl\u0131 sekt\u00f6rler i\u00e7in de uygulanabilecek azami taksit s\u00fcresi d\u00fc\u015f\u00fcr\u00fclebilir veya taksit uygulamas\u0131 yasaklanabilir.<\/p>\n
<\/span>M\u00fc\u015fteri ba\u015f\u0131na al\u0131nabilecek azami kredi kart\u0131 limiti d\u00fc\u015f\u00fcr\u00fclebilir<\/span><\/h3>\n\n- Olursa Ne Olur?:<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n t\u00fcm bankalarda sahip olabilecekleri azami kredi kart\u0131 limiti d\u00fc\u015f\u00fcr\u00fclecek.<\/li>\n<\/ul>\n
Bireysel m\u00fc\u015fteriler i\u00e7in azami kredi kart\u0131 limiti\u00a0Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Hakk\u0131nda Y\u00f6netmelik kapsam\u0131nda ilk defa kredi kart\u0131 sahibi olacak ki\u015filer i\u00e7in ilk bir y\u0131l boyunca ayl\u0131k belgeli net gelirin 2 kat\u0131<\/strong>, takip eden y\u0131llarda veya daha \u00f6nce kredi kart\u0131 sahibi olan ki\u015filer i\u00e7in ayl\u0131k belgeli net gelirin 4 kat\u0131<\/strong> olarak belirlenmi\u015ftir.<\/p>\nBa\u015fka bir ifade ile bir y\u0131ldan uzun s\u00fcredir kredi kart\u0131 sahibi olan bir bireysel m\u00fc\u015fteri y\u00f6netmelik kapsam\u0131nda en fazla maa\u015f\u0131n\u0131n 4 kat\u0131 kadar kredi kart\u0131 limitine sahip olabilir. Bu azami limit, t\u00fcm bankalardaki toplam kredi kart\u0131 limitini kapsamaktad\u0131r.<\/p>\n
\u00d6rn. ayl\u0131k belgelenebilir net geliri 25.000 TL olan bir m\u00fc\u015fterinin t\u00fcm bankalardan alabilece\u011fi toplam kredi kart\u0131 limiti en fazla (25.000 x 4 =) 100.000 TL’dir.<\/p>\n
Yeni d\u00fczenleme ile birlikte m\u00fc\u015fteri baz\u0131nda al\u0131nabilecek azami kredi kart\u0131 limiti azalt\u0131labilir. \u00d6rn. bu oranlar s\u0131ras\u0131 ile 1 ve 3 olarak belirlenirse ayl\u0131k belgelenebilir net geliri 25.000 TL olan bir m\u00fc\u015fterinin t\u00fcm bankalardan alabilece\u011fi yeni toplam kredi kart\u0131 limiti (25.000 x 3 =) 75.000 TL olacakt\u0131r.<\/p>\n
<\/span>Kartlarda limitler d\u00fc\u015f\u00fcr\u00fclebilir<\/span><\/h3>\n\n- Olursa Ne Olur?:<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa belirlenen \u015fartlar kapsam\u0131nda baz\u0131 kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n sahip olduklar\u0131 kredi kart\u0131 limiti d\u00fc\u015f\u00fcr\u00fclecek.<\/li>\n<\/ul>\n
Banka Kartlar\u0131 ve Kredi Kartlar\u0131 Hakk\u0131nda Y\u00f6netmelik kapsam\u0131nda bir kullan\u0131c\u0131n\u0131n alabilece\u011fi azami kredi kart\u0131 limiti maa\u015f\u0131n\u0131n 4 kat\u0131<\/strong> olsa da pratikte bankalar bu s\u0131n\u0131rlara uyum sa\u011flamamakta ve baz\u0131 m\u00fc\u015fteriler maa\u015f\u0131n\u0131n 5, 10 ve hatta 20 kat\u0131 gibi kredi kart\u0131 limitlerine sahip olmaktad\u0131r.<\/p>\nYeni d\u00fczenleme ile birlikte bu kurala uyum sa\u011flamayan m\u00fc\u015fterilerin kredi kart\u0131 limitleri azalt\u0131labilir. Bu d\u00fczenleme, bir \u00fcstteki d\u00fczenleme ile paralel olarak da uygulanabilir.<\/p>\n
\u00d6rn. ayl\u0131k belgelenebilir net geliri 25.000 TL olan bir m\u00fc\u015fterinin t\u00fcm bankalardan alabilece\u011fi toplam kredi kart\u0131 limiti en fazla (25.000 x 4 =) 100.000 TL olmas\u0131na ra\u011fmen m\u00fc\u015fterinin halihaz\u0131rda sahip oldu\u011fu toplam limit 250.000 TL ise, bu limitin 100.000 TL s\u0131n\u0131r\u0131na d\u00fc\u015f\u00fcr\u00fclmesi m\u00fcmk\u00fcn olabilir.<\/p>\n
<\/span>Kartlarda taksit, erteleme, avans, taksitli avans ve gecikme faiz oran\u0131 art\u0131r\u0131labilir<\/span><\/h3>\n\n- Olursa Ne Olur?<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa kredi kartlar\u0131nda taksit, erteleme, avans ve nakit avans i\u015flemlerine uygulanan faiz oran\u0131 y\u00fckseltilecek ve dolay\u0131s\u0131 ile bu i\u015flemlerin maliyeti artacakt\u0131r.<\/li>\n<\/ul>\n
Bankalar\u0131n kredi kart\u0131 ve nakit \u00e7ekim i\u015flemlerinde uygulayabilecekleri azami akdi faiz oran\u0131 ve azami gecikme faiz oran\u0131 TCMB taraf\u0131ndan belirlenmektedir.<\/p>\n
TCMB, bu i\u015flemlere y\u00f6nelik azami faiz oran\u0131n\u0131 belirlerken genellikle\u00a0politika faizi olan bir hafta vadeli repo ihale faiz oran\u0131 ile ili\u015fkili bir hareket izlemektedir.<\/p>\n
\u00d6rn. politika faizi art\u0131r\u0131ld\u0131\u011f\u0131nda genellikle kredi kart\u0131 ve nakit \u00e7ekim i\u015flemlerinde uygulanabilecek azami akdi faiz oran\u0131 ve azami gecikme faiz oran\u0131 da artmaktad\u0131r ancak bu t\u00fcr bir ili\u015fkinin varl\u0131\u011f\u0131 zorunlu de\u011fildir.<\/p>\n
Yani TCMB, dilerse \u00f6nleyici bir politika olarak yaln\u0131zca kredi kart\u0131 ve nakit \u00e7ekim i\u015flemlerine y\u00f6nelik faiz art\u0131r\u0131m\u0131na da gidebilir.<\/p>\n
Yeni d\u00fczenleme ile birlikte TCMB, kredi kart\u0131 ve nakit \u00e7ekim i\u015flemlerinde uygulayabilecekleri azami akdi faiz oran\u0131 ve azami gecikme faiz oran\u0131n\u0131 art\u0131rabilir.<\/p>\n
\u00d6rn. 02.24 itibar\u0131yla kredi kart\u0131 i\u015flemlerinde uygulanacak azami akdi faiz oran\u0131 %3,66’d\u0131r. Bu durumda 25.000 TL’lik bir al\u0131\u015fveri\u015f yapan kredi kart\u0131 kullan\u0131c\u0131s\u0131n\u0131n (banka anla\u015fmas\u0131 ya da kampanyas\u0131 olmad\u0131\u011f\u0131 varsay\u0131ld\u0131\u011f\u0131nda) bu al\u0131\u015fveri\u015fini 12 taksitte \u00f6demek isterse 2.782,27 TL \/ 12 Ay = 33.387,28 TL \u00f6deme yapmas\u0131, 8.387,28 TL’den olu\u015fan faiz ve vergi \u00f6demesi gerekecektir.<\/p>\n
\u00d6rn. TCMB kredi kart\u0131 i\u015flemlerinde uygulanacak azami akdi faiz oran\u0131n\u0131 %4,42 olarak revize ederse bu durumda ayn\u0131 i\u015flem i\u00e7in 8.387,28 TL yerine 10.286,50 TL faiz ve vergi \u00f6demesi yap\u0131lmas\u0131 gerekecektir.<\/p>\n
<\/span>\u00d6deme al\u0131\u015fkanl\u0131klar\u0131 zay\u0131f olanlar i\u00e7in ek \u00f6nlemler getirilebilir<\/span><\/h3>\n\n- Olursa Ne Olur?<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa kredi kart\u0131 d\u00f6nem borcunu zaman\u0131nda veya yeterli oranda \u00f6demeyen kredi kart\u0131 kullan\u0131c\u0131lar\u0131 i\u00e7in nakit i\u015flemlerine kapatma ve kredi kart\u0131n\u0131 iptal etme gibi \u00f6nlemlerin uygulanma ko\u015fullar\u0131 daha s\u0131k\u0131 hale getirilecektir.<\/li>\n<\/ul>\n
Y\u00f6netmelikler, halihaz\u0131rda kredi kart\u0131 bor\u00e7lar\u0131n\u0131 aksatan ve belirli bir d\u00f6nem boyunca \u00fcst \u00fcste \u00f6deme yapmayan kredi kart\u0131 kullan\u0131c\u0131lar\u0131 i\u00e7in ge\u00e7ici ve kal\u0131c\u0131 tedbirlere imkan sunmaktad\u0131r.<\/p>\n
Yeni d\u00fczenleme ile birlikte ko\u015fullar daha s\u0131k\u0131 hale getirilerek \u00f6demeleri zaman\u0131nda yapmayan kredi kart\u0131 kullan\u0131c\u0131lar\u0131 i\u00e7in daha a\u011f\u0131r tedbirler uygulanabilir.<\/p>\n
<\/span>Y\u00fcksek tutarl\u0131 harcamalar i\u00e7in k\u0131s\u0131tlama getirilebilir<\/span><\/h3>\n\n- Olursa Ne Olur?<\/strong> Bu \u00f6nlem al\u0131n\u0131rsa kredi kart\u0131 ile l\u00fcks t\u00fcketime y\u00f6nelik y\u00fcksek tutarl\u0131 harcamalar\u0131n harcama, taksitlendirme ve erteleme \u015fartlar\u0131na y\u00f6nelik k\u0131s\u0131tlamalar getirilecektir.<\/li>\n<\/ul>\n
TCMB ve BDDK, kredi kart\u0131 ile l\u00fcks t\u00fcketime y\u00f6nelik olan ya da l\u00fcks t\u00fcketime y\u00f6nelik olmay\u0131p da y\u00fcksek tutarl\u0131 olan harcamalar i\u00e7in harcama, taksitlendirme ve erteleme k\u0131s\u0131tlamalar\u0131 getirebilir.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Ba\u015fkan\u0131 Fatih Karahan, enflasyon raporu toplant\u0131s\u0131 s\u0131ras\u0131nda kredi kart\u0131 kullan\u0131m\u0131 ile ilgili \u00e7al\u0131\u015fmalar yap\u0131ld\u0131\u011f\u0131n\u0131 belirtti. Peki yeni kredi kart\u0131 d\u00fczenlemesi nas\u0131l olacak, olas\u0131 \u00f6nlemler ve sonu\u00e7lar\u0131 neler olacak? TCMB hen\u00fcz kredi kart\u0131 kullan\u0131m\u0131n\u0131 daraltmaya y\u00f6nelik \u00f6nlemlerin neler olaca\u011f\u0131n\u0131 resmi olarak a\u00e7\u0131klamad\u0131 ancak kamuoyunda \u00f6nlemlerin neler olabilece\u011fine y\u00f6nelik baz\u0131 duyumlar ortaya<\/p>\n","protected":false},"author":1,"featured_media":6663,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[288,287,286,279],"yoast_head":"\n
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