{"id":4357,"date":"2026-01-31T01:29:44","date_gmt":"2026-01-30T22:29:44","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=4357"},"modified":"2026-01-31T12:03:25","modified_gmt":"2026-01-31T09:03:25","slug":"bddkdan-kart-ve-ihtiyac-kredilerine-yeni-paket-48-aya-kadar-yapilandirma-limitlere-gelir-ayari","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/01\/31\/bddkdan-kart-ve-ihtiyac-kredilerine-yeni-paket-48-aya-kadar-yapilandirma-limitlere-gelir-ayari\/","title":{"rendered":"BDDK\u2019dan kart ve ihtiya\u00e7 kredilerine yeni paket: 48 aya kadar yap\u0131land\u0131rma, limitlere gelir ayar\u0131"},"content":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu<\/span><\/span>, finansal istikrar\u0131 desteklemek ve finansal t\u00fcketiciyi korumak amac\u0131yla bireysel kredi kart\u0131 ve ihtiya\u00e7 kredilerinde yeniden yap\u0131land\u0131rma kanal\u0131n\u0131 geni\u015fletti. 29 Ocak 2026 tarihli ve 11366 say\u0131l\u0131 kararla; son \u00f6deme tarihinde d\u00f6nem borcunu k\u0131smen ya da tamamen \u00f6deyememi\u015f bireysel kredi kartlar\u0131 ile \u00f6demesi 30 g\u00fcnden fazla gecikmi\u015f ihtiya\u00e7 kredilerinin, bor\u00e7lu\/ kart hamili talep ederse azami 48 aya kadar yeniden yap\u0131land\u0131r\u0131labilmesine imk\u00e2n tan\u0131nd\u0131. Ba\u015fvurular i\u00e7in karar tarihinden itibaren 3 ayl\u0131k s\u00fcre \u00f6ng\u00f6r\u00fcld\u00fc; yap\u0131land\u0131rma, ba\u015fvuru\/yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyesi \u00fczerinden yap\u0131lacak.<\/p>\n

Yap\u0131land\u0131rman\u0131n i\u015fleyi\u015fi (kredi kart\u0131 i\u00e7in):<\/strong>
Yap\u0131land\u0131rma kapsam\u0131nda belirlenecek ayl\u0131k taksit tutar\u0131, ilgili ay\u0131n asgari \u00f6deme tutar\u0131na eklenerek tahsil edilecek. Ayr\u0131ca yap\u0131land\u0131r\u0131lan borcun %50\u2019si \u00f6deninceye kadar<\/strong> bankalar kredi kart\u0131 limitini art\u0131rmayacak; yap\u0131land\u0131rma tutar\u0131n\u0131n kart limitini a\u015fan k\u0131sm\u0131 ise \u201climit a\u015f\u0131m\u0131\u201d olarak de\u011ferlendirilmeyecek.<\/p>\n

Kimler yararlanabilecek?<\/h3>\n
    \n
  • \n

    Bireysel kredi kartlar\u0131nda:<\/strong> Son \u00f6deme tarihinde d\u00f6nem borcunu k\u0131smen ya da tamamen kapatamayan<\/strong> kart hamilleri.<\/p>\n<\/li>\n

  • \n

    \u0130htiya\u00e7 kredilerinde:<\/strong> \u00d6demesi 30 g\u00fcnden fazla gecikmi\u015f<\/strong> ihtiya\u00e7 kredisi bor\u00e7lular\u0131.<\/p>\n<\/li>\n<\/ul>\n

    Yap\u0131land\u0131rma nas\u0131l i\u015fleyecek?<\/h3>\n

    D\u00fczenleme, borcun azami 48 aya kadar<\/strong> yeni bir \u00f6deme plan\u0131na ba\u011flanmas\u0131na imk\u00e2n tan\u0131yor. Yap\u0131land\u0131rma talebi, borcun bulundu\u011fu bankaya iletildikten sonra banka; yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyesi \u00fczerinden (kredi kart\u0131nda bekleyen i\u015flemler d\u00e2hil olabilecek \u015fekilde) vade ve taksit plan\u0131n\u0131<\/strong> olu\u015fturuyor ve s\u00fcre\u00e7, taraflar aras\u0131nda imzalanan yap\u0131land\u0131rma s\u00f6zle\u015fmesiyle resmiyet kazan\u0131yor.<\/p>\n

    Kredi kartlar\u0131nda<\/strong> kritik fark, tahsilat mekanizmas\u0131nda ortaya \u00e7\u0131k\u0131yor: Yap\u0131land\u0131rmaya konu edilen bor\u00e7 i\u00e7in belirlenen ayl\u0131k taksit<\/strong>, her d\u00f6nem olu\u015fan asgari \u00f6deme tutar\u0131na eklenerek<\/strong> tahsil ediliyor. B\u00f6ylece kart\u0131n asgari \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ortadan kalkm\u0131yor; tersine, yap\u0131land\u0131rma taksiti ayn\u0131 \u00f6deme ak\u0131\u015f\u0131n\u0131n i\u00e7ine al\u0131narak ayl\u0131k \u00f6deme disiplininin<\/strong> g\u00fc\u00e7lendirilmesi hedefleniyor. Bu modelde bor\u00e7, tek seferde \u201ckapat\/yenile\u201d mant\u0131\u011f\u0131yla de\u011fil, kart borcu d\u00f6ng\u00fcs\u00fcn\u00fcn i\u00e7inde kademeli tasfiye<\/strong> yakla\u015f\u0131m\u0131yla azalt\u0131l\u0131yor.<\/p>\n

    KARARIN TAM METN\u0130<\/strong><\/p>\n

    BDDK taraf\u0131ndan yap\u0131lan bilgilendirmedeki ayr\u0131nt\u0131lar ise \u015f\u00f6yle;<\/p>\n

    “Kurulun 29.01.2026 tarihli toplant\u0131s\u0131nda, 28.01.2026 tarih ve E-24049440-045.01-<\/p>\n

    179866 say\u0131l\u0131 yaz\u0131 ve eklerinin incelenmesi sonucunda;<\/p>\n

    1- 5411 say\u0131l\u0131 Bankac\u0131l\u0131k Kanununun 93 \u00fcnc\u00fc maddesi, 5464 say\u0131l\u0131 Banka Kartlar\u0131<\/p>\n

    ve Kredi Kartlar\u0131 Kanununun 14 \u00fcnc\u00fc maddesi ile Banka Kartlar\u0131 ve Kredi Kartlar\u0131<\/p>\n

    Hakk\u0131nda Y\u00f6netmelik uyar\u0131nca;<\/p>\n

    3 AY \u0130\u00c7\u0130NDE BA\u015eVURU GEREKL\u0130<\/strong><\/p>\n

      \n
    1. A) \u0130\u015fbu Karar tarihi itibar\u0131yla; son \u00f6deme tarihinde d\u00f6nem borcu k\u0131smen ya da tamamen \u00f6denmemi\u015f bireysel kredi kartlar\u0131n\u0131n, kart hamilleri taraf\u0131ndan Karar tarihinden itibaren 3 ay i\u00e7erisinde talep edilmesi durumunda,\u00a0yap\u0131land\u0131rma<\/strong>tarihindeki bor\u00e7 bakiyelerinin (bekleyen ileri vadeli i\u015flemleri dahil) en fazla k\u0131rk sekiz ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere yeniden yap\u0131land\u0131r\u0131labilmesine,<\/li>\n
    2. B) Yeniden yap\u0131land\u0131rma ayl\u0131k taksit tutar\u0131n\u0131n ilgili ay\u0131n asgari \u00f6deme tutar\u0131na eklenmesine,<\/li>\n
    3. C) Kredi kart\u0131 yeniden yap\u0131land\u0131rma borcunun y\u00fczde ellisi \u00f6deninceye kadar ilgili<\/li>\n<\/ol>\n

      Bankaca kart hamiline tahsis edilen kredi kartlar\u0131n\u0131n limitinin artt\u0131r\u0131lmamas\u0131na,<\/p>\n

      \u00c7) Yeniden yap\u0131land\u0131rma tutar\u0131n\u0131n kredi kart\u0131 limitini a\u015fmas\u0131 halinde, yap\u0131land\u0131rma tutar\u0131n\u0131n kart limitini a\u015fan k\u0131sm\u0131n\u0131n limit a\u015f\u0131m\u0131 olarak de\u011ferlendirilmemesine,<\/p>\n

      KRED\u0130 KARTI BOR\u00c7 YAPILANDIRMASI S\u00dcRES\u0130 NE KADAR?\u00a0<\/strong><\/p>\n

      2- Bankalar\u0131n Kredi \u0130\u015flemlerine \u0130li\u015fkin Y\u00f6netmeli\u011fin 12 nci maddesinin d\u00f6rd\u00fcnc\u00fc f\u0131kras\u0131 ile Finansal Kiralama, Faktoring ve Finansman \u015eirketlerinin Kurulu\u015f ve Faaliyet<\/p>\n

      Esaslar\u0131 Hakk\u0131nda Y\u00f6netmeli\u011fin 11\/A maddesinin be\u015finci f\u0131kras\u0131 uyar\u0131nca;<\/p>\n

      – \u0130\u015fbu Karar tarihinden \u00f6nce kulland\u0131r\u0131lm\u0131\u015f ve Karar tarihi itibar\u0131yla anapara ve\/veya faiz \u00f6demeleri otuz g\u00fcnden fazla gecikmi\u015f ihtiya\u00e7 kredilerinin (kredili mevduat hesaplar\u0131 dahil), bor\u00e7lu taraf\u0131ndan karar tarihinden itibaren 3 ay i\u00e7erisinde talep edilmesi durumunda, yap\u0131land\u0131rma tarihindeki bor\u00e7 bakiyelerinin en fazla k\u0131rk sekiz ay ile s\u0131n\u0131rl\u0131 olmak \u00fczere ilave kredi kulland\u0131r\u0131lmaks\u0131z\u0131n yeniden yap\u0131land\u0131r\u0131labilmesine..”<\/p>\n

      Limitlerde kritik e\u015fik: \u201c%50 kural\u0131\u201d<\/h3>\n

      Yeniden yap\u0131land\u0131rmaya giren kredi kartlar\u0131nda, yap\u0131land\u0131r\u0131lan borcun %50\u2019si \u00f6denmeden<\/strong> ilgili kart(lar)a tan\u0131ml\u0131 limitin art\u0131r\u0131lmamas\u0131<\/strong> \u00f6ng\u00f6r\u00fcl\u00fcyor. Uygulaman\u0131n mant\u0131\u011f\u0131, bor\u00e7 stokunun taksitlendirme s\u00fcrecinde yeni limit art\u0131\u015flar\u0131yla yeniden b\u00fcy\u00fcmesini \u00f6nlemek ve yap\u0131land\u0131rman\u0131n \u201c\u00f6deme disiplini\u201d \u00fcretmesini sa\u011flamak.<\/p>\n

      Buna e\u015flik eden ikinci teknik h\u00fck\u00fcm ise, yap\u0131land\u0131rma tutar\u0131n\u0131n mevcut kart limitini a\u015fmas\u0131<\/strong> halinde, limitin \u00fczerindeki k\u0131sm\u0131n \u201climit a\u015f\u0131m\u0131\u201d say\u0131lmamas\u0131<\/strong>. B\u00f6ylece yap\u0131land\u0131rma nedeniyle k\u00e2\u011f\u0131t \u00fczerinde limit \u00fcst\u00fcne ta\u015fan bakiyenin, \u201climit a\u015f\u0131m\u0131\u201d kalemi \u00fczerinden ek yapt\u0131r\u0131m\/\u00fccret\/faiz tart\u0131\u015fmas\u0131na konu edilmemesi ama\u00e7lan\u0131yor.<\/p>\n

      Y\u00fcksek limitlilere \u201cat\u0131l limit\u201d budamas\u0131: 400 bin TL baraj\u0131<\/h3>\n

      D\u00fczenleme paketi, yaln\u0131zca yeniden yap\u0131land\u0131rma ba\u015fl\u0131\u011f\u0131nda kalm\u0131yor. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu<\/span><\/span> kararlar\u0131, t\u00fcm bankalardaki toplam kredi kart\u0131 limitleri 400 bin TL\u2019nin \u00fczerinde<\/strong> olan kart hamillerinde, son 12 ay i\u00e7inde referans al\u0131nan hesap kesim tarihindeki kullan\u0131lmayan limitlerin<\/strong> bankalarca k\u0131smi olarak azalt\u0131lmas\u0131n\u0131<\/strong> \u00f6ng\u00f6r\u00fcyor. Ama\u00e7; aktif kullan\u0131lmayan y\u00fcksek limitlerin hem bor\u00e7lanma riskini hem de suistimal\/doland\u0131r\u0131c\u0131l\u0131k riskini b\u00fcy\u00fctmesinin \u00f6n\u00fcne ge\u00e7mek.<\/p>\n

      Uygulaman\u0131n detaylar\u0131na ili\u015fkin haber ak\u0131\u015f\u0131nda yer alan \u00e7er\u00e7evede ise, toplam limitin d\u00fczeyine g\u00f6re kademeli bir indirim<\/strong> tarif ediliyor: 400 bin\u2013750 bin TL<\/strong> aral\u0131\u011f\u0131nda toplam limite sahip kart hamillerinde limitlerin %50<\/strong>, 750 bin TL\u2019nin \u00fczerindeki<\/strong> toplam limitlerde ise %80<\/strong> oran\u0131nda d\u00fc\u015f\u00fcr\u00fclmesi; i\u015flemlerin de 15 \u015eubat 2026<\/strong> tarihine kadar tamamlanmas\u0131 hedefi \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n

      2027 hedefi: limitlerin gelirle uyumland\u0131r\u0131lmas\u0131<\/h3>\n

      Limit mimarisinde orta vadeli ana hedef, kredi kart\u0131 limitlerinin gelirle uyumlu hale getirilmesi<\/strong>. Bu kapsamda bankalar\u0131n, kart limitlerini 1 Ocak 2027\u2019ye kadar<\/strong> kart hamilinin ayl\u0131k\/y\u0131ll\u0131k ortalama geliri<\/strong> ile uyumlu olacak \u015fekilde yeniden d\u00fczenlemesi bekleniyor.
      Ayr\u0131ca yeni kart tahsisi veya limit art\u0131\u015f\u0131nda gelir teyidinin<\/strong>, bankalar\u0131n \u201cispata elveri\u015fli\u201d sayd\u0131\u011f\u0131 belgeler \u00fczerinden yap\u0131lmas\u0131 ve limit hesaplamas\u0131nda yaln\u0131zca gelir bilgisinin<\/strong> esas al\u0131nmas\u0131 vurgulan\u0131yor.<\/p>\n

      Ba\u015fvuru nereye ve nas\u0131l yap\u0131lacak?<\/h3>\n

      Yap\u0131land\u0131rma talebi, borcun bulundu\u011fu bankaya iletiliyor; kanallar bankadan bankaya de\u011fi\u015febilmekle birlikte pratikte \u00fc\u00e7 ana hat \u00f6ne \u00e7\u0131k\u0131yor:<\/p>\n

        \n
      • \n

        \u015eube:<\/strong> Kimlik ile ba\u015fvuru; bankan\u0131n talebine g\u00f6re gelir belgesi\/ek evrak istenebilir.<\/p>\n<\/li>\n

      • \n

        Mobil\/\u0130nternet bankac\u0131l\u0131\u011f\u0131:<\/strong> Genellikle \u201cyap\u0131land\u0131rma\/bor\u00e7 yap\u0131land\u0131rma\u201d men\u00fcs\u00fc \u00fczerinden ba\u015fvuru ve onay ad\u0131m\u0131.<\/p>\n<\/li>\n

      • \n

        Telefon bankac\u0131l\u0131\u011f\u0131 \/ m\u00fc\u015fteri hizmetleri:<\/strong> Taksit say\u0131s\u0131, \u00f6deme g\u00fcn\u00fc ve toplam maliyet\/plan\u0131n s\u00f6zl\u00fc bilgilendirmesi sonras\u0131nda onay s\u00fcreci.<\/p>\n<\/li>\n<\/ul>\n

        Ba\u015fvuruda kritik nokta, bankadan \u00f6deme plan\u0131n\u0131n<\/strong> (taksit say\u0131s\u0131, toplam geri \u00f6deme, uygulanacak azami faiz\/masraf kalemleri) yaz\u0131l\u0131\/dijital teyidinin al\u0131nmas\u0131; yap\u0131land\u0131rma sonras\u0131nda limit art\u0131\u015f\u0131 k\u0131s\u0131t\u0131<\/strong> ve limit-a\u015f\u0131m\u0131 say\u0131lmama<\/strong> h\u00fckm\u00fcn\u00fcn hesap \u00f6zetlerine nas\u0131l yans\u0131yaca\u011f\u0131n\u0131n netle\u015ftirilmesi.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, finansal istikrar\u0131 desteklemek ve t\u00fcketiciyi korumak amac\u0131yla bireysel kredi kart\u0131 ve ihtiya\u00e7 kredilerine y\u00f6nelik yeni d\u00fczenlemeleri devreye ald\u0131. D\u00f6nem borcu \u00f6denmemi\u015f kartlar ile 30 g\u00fcn\u00fc a\u015fan gecikmeli ihtiya\u00e7 kredileri azami 48 aya kadar yeniden yap\u0131land\u0131r\u0131labilecek; ba\u015fvuru i\u00e7in karar tarihinden itibaren 3 ayl\u0131k pencere tan\u0131nd\u0131.<\/p>\n","protected":false},"author":2,"featured_media":4415,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-4357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"yoast_head":"\nBDDK\u2019dan kart ve ihtiya\u00e7 kredilerine yeni paket: 48 aya kadar yap\u0131land\u0131rma, limitlere gelir ayar\u0131 - Merceknet Haber<\/title>\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.merceknet.com\/tr\/2026\/01\/31\/bddkdan-kart-ve-ihtiyac-kredilerine-yeni-paket-48-aya-kadar-yapilandirma-limitlere-gelir-ayari\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BDDK\u2019dan kart ve ihtiya\u00e7 kredilerine yeni paket: 48 aya kadar yap\u0131land\u0131rma, limitlere gelir ayar\u0131 - Merceknet Haber\" \/>\n<meta property=\"og:description\" content=\"Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, finansal istikrar\u0131 desteklemek ve t\u00fcketiciyi korumak amac\u0131yla bireysel kredi kart\u0131 ve ihtiya\u00e7 kredilerine y\u00f6nelik yeni d\u00fczenlemeleri devreye ald\u0131. D\u00f6nem borcu \u00f6denmemi\u015f kartlar ile 30 g\u00fcn\u00fc a\u015fan gecikmeli ihtiya\u00e7 kredileri azami 48 aya kadar yeniden yap\u0131land\u0131r\u0131labilecek; ba\u015fvuru i\u00e7in karar tarihinden itibaren 3 ayl\u0131k pencere tan\u0131nd\u0131.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merceknet.com\/tr\/2026\/01\/31\/bddkdan-kart-ve-ihtiyac-kredilerine-yeni-paket-48-aya-kadar-yapilandirma-limitlere-gelir-ayari\/\" \/>\n<meta property=\"og:site_name\" content=\"Merceknet Haber\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/merceknet\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/merceknet\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-30T22:29:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-31T09:03:25+00:00\" \/>\n<meta property=\"og:image\" 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