{"id":53391,"date":"2026-10-02T22:00:12","date_gmt":"2026-10-02T19:00:12","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=53391"},"modified":"2026-10-02T22:00:12","modified_gmt":"2026-10-02T19:00:12","slug":"bddkden-cep-telefonu-kredileri-ve-kredi-kartlarina-yeni-duzenleme","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/10\/02\/bddkden-cep-telefonu-kredileri-ve-kredi-kartlarina-yeni-duzenleme\/","title":{"rendered":"BDDK\u2019den cep telefonu kredileri ve kredi kartlar\u0131na yeni d\u00fczenleme"},"content":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu (BDDK), cep telefonu al\u0131mlar\u0131nda kullan\u0131lan t\u00fcketici kredileri ile kredi kartlar\u0131na ili\u015fkin \u00f6nemli de\u011fi\u015fikliklere gitti.<\/p>\n

Yeni d\u00fczenlemeyle cep telefonu fiyat\u0131na g\u00f6re uygulanacak kredi vadesi yeniden belirlenirken, yenilenmi\u015f \u00fcr\u00fcn niteli\u011findeki telefonlar i\u00e7in ayr\u0131 bir e\u015fik getirildi. Kredi kartlar\u0131nda ise asgari \u00f6deme oran\u0131n\u0131 belirleyen kart limiti y\u00fckseltildi.<\/p>\n

Cep telefonu kredilerinde yeni vade s\u0131n\u0131r\u0131<\/h2>\n

BDDK\u2019nin karar\u0131na g\u00f6re, cep telefonu al\u0131m\u0131 amac\u0131yla kullan\u0131lan t\u00fcketici kredilerinde uygulanacak azami vade, telefonun sat\u0131\u015f fiyat\u0131na g\u00f6re de\u011fi\u015fecek.<\/p>\n

Buna g\u00f6re fiyat\u0131 40 bin lira ve alt\u0131nda olan cep telefonlar\u0131nda kredi vadesi en fazla 12 ay<\/strong> olacak.<\/p>\n

Fiyat\u0131 40 bin liran\u0131n \u00fczerinde bulunan cep telefonlar\u0131nda ise azami vade 3 ay<\/strong> olarak uygulanacak.<\/p>\n

Yeni d\u00fczenlemeyle birlikte \u00f6zellikle y\u00fcksek fiyatl\u0131 cep telefonlar\u0131nda uzun vadeli t\u00fcketici kredisi kullanma imk\u00e2n\u0131 s\u0131n\u0131rland\u0131r\u0131lm\u0131\u015f oldu.<\/p>\n

\n
\n
\n\n\n\n\n\n\n
Cep telefonu t\u00fcr\u00fc<\/th>\nFiyat<\/th>\nAzami kredi vadesi<\/th>\n<\/tr>\n<\/thead>\n
Standart cep telefonu<\/td>\n40.000 TL ve alt\u0131<\/td>\n12 ay<\/td>\n<\/tr>\n
Standart cep telefonu<\/td>\n40.000 TL \u00fczeri<\/td>\n3 ay<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

Yenilenmi\u015f telefonlarda s\u0131n\u0131r 50 bin lira<\/h2>\n

BDDK, yenilenmi\u015f \u00fcr\u00fcn niteli\u011findeki cep telefonlar\u0131 i\u00e7in farkl\u0131 bir fiyat s\u0131n\u0131r\u0131 belirledi.<\/p>\n

\u0130\u015f yerinin \u201cyenileme merkezi\u201d veya \u201cyetkili sat\u0131c\u0131\u201d<\/strong> niteli\u011finde olmas\u0131 \u015fart\u0131yla, yenilenmi\u015f cep telefonlar\u0131nda fiyat\u0131 50 bin lira ve alt\u0131nda olan \u00fcr\u00fcnler i\u00e7in azami vade 12 ay<\/strong> olarak uygulanacak.<\/p>\n

Yenilenmi\u015f telefonun fiyat\u0131n\u0131n 50 bin liran\u0131n \u00fczerinde olmas\u0131 halinde ise vade en fazla 3 ay<\/strong> olacak.<\/p>\n

\n
\n
\n\n\n\n\n\n\n
Yenilenmi\u015f cep telefonu<\/th>\nFiyat<\/th>\nAzami kredi vadesi<\/th>\n<\/tr>\n<\/thead>\n
Yenilenmi\u015f \u00fcr\u00fcn<\/td>\n50.000 TL ve alt\u0131<\/td>\n12 ay<\/td>\n<\/tr>\n
Yenilenmi\u015f \u00fcr\u00fcn<\/td>\n50.000 TL \u00fczeri<\/td>\n3 ay<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

Bu uygulamadan yararlan\u0131labilmesi i\u00e7in sat\u0131\u015f\u0131n yenileme merkezi veya yetkili sat\u0131c\u0131 niteli\u011findeki i\u015f yerlerinden yap\u0131lmas\u0131 gerekiyor.<\/p>\n

Kredi kart\u0131yla telefon al\u0131m\u0131nda taksit yasa\u011f\u0131 devam ediyor<\/h2>\n

BDDK karar\u0131nda kredi kart\u0131yla cep telefonu al\u0131mlar\u0131na ili\u015fkin taksitlendirme esaslar\u0131 da yeniden netle\u015ftirildi.<\/p>\n

Buna g\u00f6re yenilenmi\u015f \u00fcr\u00fcn niteli\u011finde olmayan cep telefonlar\u0131nda kredi kart\u0131yla taksitlendirme yasa\u011f\u0131 devam edecek.<\/strong><\/p>\n

Ba\u015fka bir ifadeyle standart s\u0131f\u0131r cep telefonlar\u0131, kredi kart\u0131yla taksitli olarak sat\u0131n al\u0131namayacak.<\/p>\n

Yenilenmi\u015f \u00fcr\u00fcn niteli\u011findeki cep telefonlar\u0131nda ise farkl\u0131 bir uygulama ge\u00e7erli olacak. Bu \u00fcr\u00fcnlerde herhangi bir fiyat s\u0131n\u0131r\u0131 bulunmaks\u0131z\u0131n 12 aya kadar taksit yap\u0131labilecek.<\/strong><\/p>\n

\n
\n
\n\n\n\n\n\n\n
Sat\u0131n alma \u015fekli<\/th>\nTaksit uygulamas\u0131<\/th>\n<\/tr>\n<\/thead>\n
Standart cep telefonu<\/td>\nKredi kart\u0131yla taksit yap\u0131lamayacak<\/td>\n<\/tr>\n
Yenilenmi\u015f cep telefonu<\/td>\n12 aya kadar taksit yap\u0131labilecek<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

Kredi kartlar\u0131nda 100 bin lira s\u0131n\u0131r\u0131<\/h2>\n

BDDK\u2019nin bir di\u011fer d\u00fczenlemesi ise kredi kartlar\u0131n\u0131n asgari \u00f6deme tutar\u0131n\u0131 ilgilendiriyor.<\/p>\n

Daha \u00f6nce kredi kart\u0131 asgari \u00f6deme oran\u0131n\u0131n belirlenmesinde 50 bin liral\u0131k kart limiti<\/strong> esas al\u0131n\u0131yordu.<\/p>\n

Yeni kararla bu s\u0131n\u0131r 100 bin liraya y\u00fckseltildi.<\/strong><\/p>\n

Buna g\u00f6re kredi kart\u0131 limiti 100 bin lira ve alt\u0131nda olan kart sahiplerinin asgari \u00f6deme tutar\u0131, d\u00f6nem borcunun y\u00fczde 20\u2019si<\/strong> olacak.<\/p>\n

Kart limiti 100 bin liran\u0131n \u00fczerinde bulunan kullan\u0131c\u0131lar\u0131n asgari \u00f6deme tutar\u0131 ise d\u00f6nem borcunun y\u00fczde 40\u2019\u0131<\/strong> olarak uygulanacak.<\/p>\n

\n
\n
\n\n\n\n\n\n\n
Kredi kart\u0131 limiti<\/th>\nAsgari \u00f6deme oran\u0131<\/th>\n<\/tr>\n<\/thead>\n
100.000 TL ve alt\u0131<\/td>\nD\u00f6nem borcunun %20\u2019si<\/td>\n<\/tr>\n
100.000 TL \u00fczeri<\/td>\nD\u00f6nem borcunun %40\u2019\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

Ne de\u011fi\u015fti?<\/h2>\n

Yeni d\u00fczenlemenin \u00f6ne \u00e7\u0131kan ba\u015fl\u0131klar\u0131 \u015f\u00f6yle:<\/p>\n

    \n
  • Cep telefonu kredilerinde standart \u00fcr\u00fcnler i\u00e7in kritik fiyat s\u0131n\u0131r\u0131 40 bin lira<\/strong> oldu.<\/li>\n
  • Yenilenmi\u015f telefonlarda vade s\u0131n\u0131r\u0131n\u0131n belirlenmesinde 50 bin lira<\/strong> esas al\u0131nacak.<\/li>\n
  • Standart cep telefonlar\u0131nda kredi kart\u0131yla taksit yasa\u011f\u0131 devam edecek.<\/li>\n
  • Yenilenmi\u015f telefonlarda kredi kart\u0131na 12 aya kadar taksit<\/strong> yap\u0131labilecek.<\/li>\n
  • Kredi kart\u0131 asgari \u00f6deme oran\u0131n\u0131n belirlenmesindeki limit e\u015fi\u011fi 50 bin liradan 100 bin liraya<\/strong> \u00e7\u0131kar\u0131ld\u0131.<\/li>\n
  • 100 bin lira ve alt\u0131ndaki limitlerde asgari \u00f6deme oran\u0131 y\u00fczde 20, bunun \u00fczerindeki limitlerde y\u00fczde 40 olacak.<\/li>\n<\/ul>\n

    BDDK\u2019nin ald\u0131\u011f\u0131 kararlarla hem cep telefonu finansman\u0131nda uygulanacak vade esaslar\u0131 hem de kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n asgari \u00f6deme y\u00fck\u00fcml\u00fcl\u00fckleri yeniden \u015fekillendirilmi\u015f oldu.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, cep telefonu al\u0131mlar\u0131nda kullan\u0131lan t\u00fcketici kredilerinin vade s\u0131n\u0131rlar\u0131n\u0131 yeniden belirledi. Yeni kararla standart ve yenilenmi\u015f telefonlarda farkl\u0131 fiyat e\u015fikleri uygulanacak. Kredi kartlar\u0131nda ise asgari \u00f6deme oran\u0131n\u0131n hesaplanmas\u0131nda dikkate al\u0131nan limit 50 bin liradan 100 bin liraya y\u00fckseltildi.<\/p>\n","protected":false},"author":2,"featured_media":53392,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,3483],"tags":[54,16361,55],"class_list":["post-53391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-4-bolge","tag-bddk","tag-ceptelefonukredisi","tag-kredikarti"],"yoast_head":"\nBDDK\u2019den cep telefonu kredileri ve kredi kartlar\u0131na yeni d\u00fczenleme - 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\/10\/02\/bddkden-cep-telefonu-kredileri-ve-kredi-kartlarina-yeni-duzenleme\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BDDK\u2019den cep telefonu kredileri ve kredi kartlar\u0131na yeni d\u00fczenleme - Merceknet Haber\" \/>\n<meta property=\"og:description\" content=\"Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurulu, cep telefonu al\u0131mlar\u0131nda kullan\u0131lan t\u00fcketici kredilerinin vade s\u0131n\u0131rlar\u0131n\u0131 yeniden belirledi. 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