{"id":13190,"date":"2019-12-17T14:15:19","date_gmt":"2019-12-17T14:15:19","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=13190"},"modified":"2022-06-09T12:40:00","modified_gmt":"2022-06-09T12:40:00","slug":"zorunlu-karsiliklarda-degisiklik","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2019\/12\/17\/zorunlu-karsiliklarda-degisiklik\/","title":{"rendered":"Zorunlu Kar\u015f\u0131l\u0131klarda De\u011fi\u015fiklik"},"content":{"rendered":"<p><strong>Yeni Geli\u015fme<\/strong><\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>TCMB<\/strong>&#8220;), 2013\/15 say\u0131l\u0131 Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;de (&#8220;<strong>Tebli\u011f<\/strong>&#8220;) de\u011fi\u015fiklik (&#8220;<strong>De\u011fi\u015fiklik<\/strong>&#8220;) yapt\u0131. De\u011fi\u015fiklik, 9 Aral\u0131k 2019 tarih ve 30973 say\u0131l\u0131 Resmi Gazete&#8217;de yay\u0131mlanarak 29 Kas\u0131m 2019 tarihinden itibaren ge\u00e7erli olmak \u00fczere y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p>De\u011fi\u015fiklik ile birlikte, <strong><u><a href=\"https:\/\/urldefense.com\/v3\/__https:\/esinxchange.com\/collect\/click.aspx?u=jRYOrR8N39SQYHlrgvYYJIDKc59GPaipQaXOS0DjU2qbnJBDIYWnjO39ls5Qk6CYIPMsNcDFhJtM53oRpxiBwewlf3h1Mw7M&amp;rh=ff0056f3e4e12170796ea900dc4ab89c04f432d8__;!!Hj9Y_P0nvg!ALH68Q_0qWNjN0Bbol5-oI3NF4Z7_-KS-3PN_EN2bvqAPs-OvrPJ4lrDX6tRI2euDbAXHg$\">26 A\u011fustos 2019 tarihli mevzuat de\u011fi\u015fikli\u011fi bildirimimizde<\/a><\/u><\/strong> a\u00e7\u0131klad\u0131\u011f\u0131m\u0131z, bankalar\u0131n zorunlu kar\u015f\u0131l\u0131k te\u015fviklerinden yararlanmak i\u00e7in sa\u011flamas\u0131 gereken y\u0131ll\u0131k kredi b\u00fcy\u00fcme oranlar\u0131nda de\u011fi\u015fiklik yap\u0131ld\u0131.<\/p>\n<p><strong>De\u011fi\u015fiklik ne getiriyor?<\/strong><\/p>\n<p><em><u>Y\u0131ll\u0131k Reel Kredi B\u00fcy\u00fcme Oran\u0131n\u0131n Hesaplanmas\u0131nda De\u011fi\u015fiklik<\/u><\/em><\/p>\n<ul>\n<li>De\u011fi\u015fiklik&#8217;ten \u00f6nce bankalar\u0131n y\u0131ll\u0131k b\u00fcy\u00fcme oranlar\u0131 hesaplan\u0131rken, d\u00f6vize endeksli krediler ile bankalara kulland\u0131r\u0131lan krediler hesaba kat\u0131lmamaktayd\u0131.<\/li>\n<li>De\u011fi\u015fiklik ile beraber art\u0131k y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oranlar\u0131 belirlenirken;\n<ul>\n<li>D\u00f6vize endeksli kredilerin yan\u0131 s\u0131ra <strong>mali kurulu\u015flara <\/strong>kulland\u0131r\u0131lan krediler de hesaba kat\u0131lmayacak,<\/li>\n<li>Y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oran\u0131 hesaplan\u0131rken reel nakdi kredi stok de\u011ferlerinin son 3 ay ortalamas\u0131 dikkate al\u0131nacak,<\/li>\n<li>Reel nakdi kredi de\u011feri, nominal kredi tutar\u0131 ilgili d\u00f6nemdeki T\u00dcFE endeksine b\u00f6l\u00fcnerek hesaplanacakt\u0131r.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><em><u>Uyarlanm\u0131\u015f Y\u0131ll\u0131k Reel Kredi B\u00fcy\u00fcme Oran\u0131n\u0131n Hesaplanmas\u0131<\/u><\/em><\/p>\n<ul>\n<li>De\u011fi\u015fiklik uyar\u0131nca, yukar\u0131daki a\u00e7\u0131klamalara uygun olarak hesaplanm\u0131\u015f y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oran\u0131 %15&#8217;in \u00fczerinde veya %15&#8217;in alt\u0131nda olan bankalar\u0131n ayr\u0131 ayr\u0131 uyarlanm\u0131\u015f y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oran\u0131 hesaplanacak.<\/li>\n<li>Uyarlanm\u0131\u015f y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oranlar\u0131 a\u015fa\u011f\u0131daki \u015fekilde hesaplan\u0131r:<\/li>\n<\/ul>\n<table width=\"0\">\n<tbody>\n<tr>\n<td colspan=\"5\" width=\"671\"><strong><u>Bankan\u0131n Y\u0131ll\u0131k Reel Kredi B\u00fcy\u00fcme Oran\u0131<\/u><\/strong><br \/>\n<strong>&gt;<\/strong> %15<br \/>\nise<\/td>\n<\/tr>\n<tr>\n<td width=\"187\">Y\u0131ll\u0131k Reel Kredi B\u00fcy\u00fcme Oran\u0131n\u0131n pay k\u0131sm\u0131<\/td>\n<td width=\"52\"><strong>&#8211;<\/strong><\/td>\n<td width=\"201\">(5 y\u0131l ve daha uzun vadeli konut kredilerindeki y\u0131ll\u0131k de\u011fi\u015fim)<br \/>\n<strong>+<\/strong><br \/>\n((T\u00fcketici kredileri ile bireysel kredi kartlar\u0131 hari\u00e7 olmak \u00fczere) 2 y\u0131ldan uzun vadeli kredilerdeki y\u0131ll\u0131k de\u011fi\u015fim)<\/td>\n<td width=\"53\"><strong>=<\/strong><\/td>\n<td width=\"178\"><strong><u>U1<\/u><\/strong><br \/>\n<em>(Uyarlanm\u0131\u015f y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oran\u0131)<\/em><\/td>\n<\/tr>\n<tr>\n<td colspan=\"5\" width=\"671\"><strong><u>Bankan\u0131n Y\u0131ll\u0131k Reel Kredi B\u00fcy\u00fcme Oran\u0131<\/u><\/strong><br \/>\n<strong>\u2264<\/strong> %15<br \/>\nise<\/td>\n<\/tr>\n<tr>\n<td width=\"187\">Y\u0131ll\u0131k Reel Kredi B\u00fcy\u00fcme Oran\u0131n\u0131n pay k\u0131sm\u0131<\/td>\n<td width=\"52\"><strong>&#8211;<\/strong><\/td>\n<td width=\"201\">((5 y\u0131l ve daha uzun vadeli konut kredileri hari\u00e7 olmak \u00fczere) t\u00fcketici kredilerindeki ve bireysel kredi kartlar\u0131ndaki y\u0131ll\u0131k de\u011fi\u015fimin %50&#8217;si)<\/td>\n<td width=\"53\"><strong>=<\/strong><\/td>\n<td width=\"178\"><strong>U2<\/strong><br \/>\n<em>(Uyarlanm\u0131\u015f y\u0131ll\u0131k reel kredi b\u00fcy\u00fcme oran\u0131)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>Yukar\u0131daki hesaplamaya g\u00f6re, <strong><u>U1<\/u><\/strong> de\u011feri\u00a0 %15&#8217;e e\u015fit veya %15&#8217;ten k\u00fc\u00e7\u00fck olan bankalar ile <strong><u>U2<\/u><\/strong> de\u011feri %5&#8217;e e\u015fit veya %5&#8217;ten b\u00fcy\u00fck olan bankalar\u0131n T\u00fcrk liras\u0131 zorunlu kar\u015f\u0131l\u0131k oranlar\u0131:\n<ul>\n<li>1 y\u0131l ve 1 y\u0131ldan uzun vadeli mevduat\/kat\u0131l\u0131m fonu (yurt d\u0131\u015f\u0131 bankalar mevduat\u0131\/kat\u0131l\u0131m fonu hari\u00e7) ve<\/li>\n<li>3 y\u0131ldan uzun vadeli di\u011fer y\u00fck\u00fcml\u00fcl\u00fckler (yurt d\u0131\u015f\u0131 bankalar mevduat\u0131\/kat\u0131l\u0131m fonu d\u00e2hil)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>hari\u00e7 olmak \u00fczere t\u00fcm vade dilimlerinde %2 olarak uygulanacak.<\/p>\n<ul>\n<li>Bankalar, yukar\u0131da belirtilen kredi b\u00fcy\u00fcme oranlar\u0131 ve bu oranlara ili\u015fkin verileri, hesaplama d\u00f6nemine ait zorunlu kar\u015f\u0131l\u0131k y\u00fck\u00fcml\u00fcl\u00fck bildirim cetvelinin g\u00f6nderim s\u00fcresi bitimine kadar TCMB&#8217;ye bildirecek.<\/li>\n<\/ul>\n<p><em><u>Yeni Ge\u00e7ici Madde <\/u><\/em><\/p>\n<ul>\n<li>De\u011fi\u015fiklik ile getirilen ge\u00e7ici madde uyar\u0131nca, Tebli\u011f&#8217;in \u00f6nceki haline g\u00f6re 29 Kas\u0131m 2019 y\u00fck\u00fcml\u00fcl\u00fck hesaplama tarihine kadar kredi b\u00fcy\u00fcme oran\u0131 %10 ile %20 aral\u0131\u011f\u0131na girmi\u015f olan bankalara, bu aral\u0131\u011fa girdikleri tarihe ili\u015fkin tesis d\u00f6neminden itibaren alt\u0131 d\u00f6nem boyunca zorunlu kar\u015f\u0131l\u0131k oran\u0131 %2 olarak uygulanacak.<\/li>\n<\/ul>\n<p><strong>Sonu\u00e7<\/strong><\/p>\n<p>Tebli\u011f&#8217;de belirtilen ko\u015fullar\u0131 sa\u011flayan bankalar zorunlu kar\u015f\u0131l\u0131k te\u015fviklerinden yararlanabilecek.<\/p>\n<p>De\u011fi\u015fiklik ile beraber, ekonomideki dengelenme s\u00fcreci a\u015famas\u0131nda, kredi arz\u0131n\u0131n t\u00fcketimden ziyade \u00fcretim odakl\u0131 sekt\u00f6rlere y\u00f6nlendirilmesi te\u015fvik edilmektedir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fme T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;TCMB&#8220;), 2013\/15 say\u0131l\u0131 Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#8217;de (&#8220;Tebli\u011f&#8220;) de\u011fi\u015fiklik (&#8220;De\u011fi\u015fiklik&#8220;) yapt\u0131. De\u011fi\u015fiklik, 9 Aral\u0131k [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","footnotes":""},"categories":[120],"tags":[90],"class_list":["post-13190","post","type-post","status-publish","format-standard","hentry","category-legal-alerts","tag-banking-finance-tr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Zorunlu Kar\u015f\u0131l\u0131klarda De\u011fi\u015fiklik<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fme T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&quot;TCMB&quot;), 2013\/15 say\u0131l\u0131 Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f&#039;de (&quot;Tebli\u011f&quot;) de\u011fi\u015fiklik (&quot;De\u011fi\u015fiklik&quot;) yapt\u0131.\" \/>\n<meta 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