{"id":29937,"date":"2025-09-18T13:11:23","date_gmt":"2025-09-18T13:11:23","guid":{"rendered":"https:\/\/www.esin.av.tr\/?p=29937"},"modified":"2025-09-18T13:11:23","modified_gmt":"2025-09-18T13:11:23","slug":"merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti","status":"publish","type":"post","link":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/","title":{"rendered":"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti"},"content":{"rendered":"<p><strong>Yeni Geli\u015fmeler<\/strong><\/p>\n<p>Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23) (\u201c<strong>De\u011fi\u015fiklik Tebli\u011fi<\/strong>\u201d) 18 Eyl\u00fcl 2025 tarih ve 33021 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanarak y\u00fcr\u00fcrl\u00fc\u011fe girdi.<\/p>\n<p><strong>De\u011fi\u015fiklik Tebli\u011fi Neler Getiriyor?<\/strong><\/p>\n<p>De\u011fi\u015fiklik Tebli\u011fi kapsam\u0131nda kredi kart\u0131 arac\u0131l\u0131\u011f\u0131yla yap\u0131lan T\u00fcrk liras\u0131 cinsinden nakit \u00e7ekim ve kullan\u0131m i\u015flemlerinde uygulanacak ayl\u0131k azami akdi faiz oran\u0131 belirlenirken ayl\u0131k referans orana yap\u0131lacak olan ekleme 164 baz puandan, 139 baz puana \u00e7ekildi.<\/p>\n<p>Ayr\u0131ca s\u00f6z konusu ayl\u0131k referans oranlar\u0131n\u0131n 24 Eyl\u00fcl 2025 tarihinde T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 taraf\u0131ndan ilan edilece\u011fi ve 1 Ekim 2025 tarihinden ge\u00e7erli olmak \u00fczere uygulanaca\u011f\u0131 kararla\u015ft\u0131r\u0131ld\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23) (\u201cDe\u011fi\u015fiklik Tebli\u011fi\u201d) [&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-29937","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>Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti<\/title>\n<meta name=\"description\" content=\"Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23)\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti\" \/>\n<meta property=\"og:description\" content=\"Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\" \/>\n<meta property=\"og:site_name\" content=\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-18T13:11:23+00:00\" \/>\n<meta name=\"author\" content=\"R\u0131dvan Konrat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"R\u0131dvan Konrat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\"},\"author\":{\"name\":\"R\u0131dvan Konrat\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae\"},\"headline\":\"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti\",\"datePublished\":\"2025-09-18T13:11:23+00:00\",\"dateModified\":\"2025-09-18T13:11:23+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\"},\"wordCount\":142,\"publisher\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\"},\"keywords\":[\"Bankac\u0131l\u0131k ve Finans\"],\"articleSection\":[\"Hukuk B\u00fcltenleri\"],\"inLanguage\":\"tr\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\",\"name\":\"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti\",\"isPartOf\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#website\"},\"datePublished\":\"2025-09-18T13:11:23+00:00\",\"dateModified\":\"2025-09-18T13:11:23+00:00\",\"description\":\"Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23)\",\"breadcrumb\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.esin.av.tr\/tr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#website\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/\",\"name\":\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.esin.av.tr\/tr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#organization\",\"name\":\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\",\"url\":\"https:\/\/www.esin.av.tr\/tr\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg\",\"contentUrl\":\"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg\",\"width\":800,\"height\":460,\"caption\":\"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131\"},\"image\":{\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae\",\"name\":\"R\u0131dvan Konrat\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g\",\"caption\":\"R\u0131dvan Konrat\"},\"sameAs\":[\"http:\/\/www.esin.av.tr\"],\"url\":\"https:\/\/www.esin.av.tr\/tr\/author\/rkonrat\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti","description":"Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/","og_locale":"tr_TR","og_type":"article","og_title":"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti","og_description":"Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23)","og_url":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/","og_site_name":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131","article_published_time":"2025-09-18T13:11:23+00:00","author":"R\u0131dvan Konrat","twitter_card":"summary_large_image","twitter_misc":{"Written by":"R\u0131dvan Konrat","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/#article","isPartOf":{"@id":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/"},"author":{"name":"R\u0131dvan Konrat","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae"},"headline":"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti","datePublished":"2025-09-18T13:11:23+00:00","dateModified":"2025-09-18T13:11:23+00:00","mainEntityOfPage":{"@id":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/"},"wordCount":142,"publisher":{"@id":"https:\/\/www.esin.av.tr\/tr\/#organization"},"keywords":["Bankac\u0131l\u0131k ve Finans"],"articleSection":["Hukuk B\u00fcltenleri"],"inLanguage":"tr"},{"@type":"WebPage","@id":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/","url":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/","name":"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti","isPartOf":{"@id":"https:\/\/www.esin.av.tr\/tr\/#website"},"datePublished":"2025-09-18T13:11:23+00:00","dateModified":"2025-09-18T13:11:23+00:00","description":"Yeni Geli\u015fmeler Kredi Kart\u0131 \u0130\u015flemlerinde Uygulanacak Azami Faiz Oranlar\u0131 Hakk\u0131nda Tebli\u011f\u2019de (Say\u0131 2020\/16) De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (2025\/23)","breadcrumb":{"@id":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/#breadcrumb"},"inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.esin.av.tr\/tr\/2025\/09\/18\/merkez-bankasi-kredi-karti-faiz-oranlarinda-indirime-gitti\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.esin.av.tr\/tr\/"},{"@type":"ListItem","position":2,"name":"Merkez Bankas\u0131 Kredi Kart\u0131 Faiz Oranlar\u0131nda \u0130ndirime Gitti"}]},{"@type":"WebSite","@id":"https:\/\/www.esin.av.tr\/tr\/#website","url":"https:\/\/www.esin.av.tr\/tr\/","name":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131","description":"","publisher":{"@id":"https:\/\/www.esin.av.tr\/tr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.esin.av.tr\/tr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"},{"@type":"Organization","@id":"https:\/\/www.esin.av.tr\/tr\/#organization","name":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131","url":"https:\/\/www.esin.av.tr\/tr\/","logo":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/","url":"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg","contentUrl":"https:\/\/www.esin.av.tr\/wp-content\/uploads\/2021\/09\/esin-2.jpg","width":800,"height":460,"caption":"Esin Avukatl\u0131k Ortakl\u0131\u011f\u0131"},"image":{"@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/42c8e616aab56b8622fa365ad63282ae","name":"R\u0131dvan Konrat","image":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/www.esin.av.tr\/tr\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b20c6c583be38ed4e76e32f69fccc676?s=96&d=mm&r=g","caption":"R\u0131dvan Konrat"},"sameAs":["http:\/\/www.esin.av.tr"],"url":"https:\/\/www.esin.av.tr\/tr\/author\/rkonrat\/"}]}},"_links":{"self":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/29937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/comments?post=29937"}],"version-history":[{"count":2,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/29937\/revisions"}],"predecessor-version":[{"id":29939,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/posts\/29937\/revisions\/29939"}],"wp:attachment":[{"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/media?parent=29937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/categories?post=29937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.esin.av.tr\/tr\/wp-json\/wp\/v2\/tags?post=29937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}