{"id":23610,"date":"2022-09-27T10:10:42","date_gmt":"2022-09-27T10:10:42","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=23610"},"modified":"2022-09-27T10:10:42","modified_gmt":"2022-09-27T10:10:42","slug":"bankacilik-ucretlerinde-degisiklikler","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2022\/09\/27\/bankacilik-ucretlerinde-degisiklikler\/","title":{"rendered":"Bankac\u0131l\u0131k \u00dccretlerinde De\u011fi\u015fiklikler"},"content":{"rendered":"<h3><strong>Yeni Geli\u015fmeler<\/strong><\/h3>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;<strong>TCMB<\/strong>&#8220;), 10 \u015eubat 2020 tarih ve 31035 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan 2020\/4 say\u0131l\u0131 Bankalarca Ticari M\u00fc\u015fterilerden Al\u0131nabilecek \u00dccretlere \u0130li\u015fkin Usul ve Esaslar Hakk\u0131nda Tebli\u011f\u2019de (&#8220;<strong>Tebli\u011f<\/strong>&#8220;) de\u011fi\u015fiklikler yapt\u0131. Yap\u0131lan de\u011fi\u015fiklikler 23 Eyl\u00fcl 2022 tarihli Resmi Gazete&#8217;de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi. TCMB ayn\u0131 \u015fekilde Bankalarca Ticari M\u00fc\u015fterilerden Al\u0131nabilecek \u00dccretlere \u0130li\u015fkin Uygulama Talimat\u0131&#8217;n\u0131 da g\u00fcncelledi.<\/p>\n<h3><strong>De\u011fi\u015fiklikler Ne Anlama Geliyor?<\/strong><\/h3>\n<p><strong>Krediler:<\/strong><\/p>\n<ul>\n<li>Kredi tahsis \u00fccretleri; ilk limit tahsisinde, tahsis edilen kredi limitinin % 0,25\u2019ini, limit yenilemelerinde ise yenilenen limitin % 0,125\u2019ini ge\u00e7meyecek.<\/li>\n<li>Kredi kulland\u0131r\u0131m \u00fccretinde azami tutar, rotatif krediler d\u0131\u015f\u0131ndaki kredilerde kulland\u0131r\u0131lan kredinin %1,1\u2019i olmaya devam edecek.<\/li>\n<li>Rotatif kredilerde kredi kulland\u0131r\u0131m \u00fccreti, ortalama kredi kulland\u0131r\u0131m bakiyesinin y\u0131ll\u0131k %1\u2019ini ge\u00e7meyecek. \u00d6nceden bu \u00fccret, ilgili \u00fc\u00e7 ayl\u0131k d\u00f6nemin ortalama kredi kulland\u0131r\u0131m bakiyesinin % 0,25&#8217;i olarak belirlenmi\u015fti.<\/li>\n<li>Bir y\u0131ldan k\u0131sa vadeli kredi kulland\u0131r\u0131mlar\u0131ndaki azami kredi kulland\u0131r\u0131m \u00fccreti, vade g\u00fcn say\u0131s\u0131na g\u00f6re \u00fccretin oransal olarak d\u00fc\u015f\u00fcr\u00fclmesiyle uygulanacak.<\/li>\n<\/ul>\n<p>Ayr\u0131ca, kredi tahsisi ve kredi kulland\u0131r\u0131m\u0131ndaki azami \u00fccret s\u0131n\u0131rlamalar\u0131n\u0131n kapsam\u0131na ili\u015fkin Tebli\u011f&#8217;e ge\u00e7ici madde eklendi. Buna g\u00f6re, s\u00f6z konusu azami \u00fccret s\u0131n\u0131rlamalar\u0131, TCMB&#8217;nin 2022\/20 say\u0131l\u0131 Menkul K\u0131ymet Tesisi Hakk\u0131nda Tebli\u011f&#8217;i kapsam\u0131nda menkul k\u0131ymet tesisine tabi kredilere kar\u015f\u0131l\u0131k bankalar\u0131n mali kurulu\u015flardan alabilecekleri \u00fccretlere de uygulanacak.<\/p>\n<h3><strong>Sonu\u00e7<\/strong><\/h3>\n<p>De\u011fi\u015fiklik ile bankalar\u0131n ticari m\u00fc\u015fterilerden talep edebilecekleri azami kredi tahsis ve kulland\u0131r\u0131m \u00fccretleri ile bunlar\u0131n uygulama alan\u0131nda g\u00fcncellemeler yap\u0131ld\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&#8220;TCMB&#8220;), 10 \u015eubat 2020 tarih ve 31035 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan 2020\/4 say\u0131l\u0131 Bankalarca [&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-23610","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>Bankac\u0131l\u0131k \u00dccretlerinde De\u011fi\u015fiklikler<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (&quot;TCMB&quot;), 10 \u015eubat 2020 tarih ve 31035 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan 2020\/4 say\u0131l\u0131 Bankalarca Ticari\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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