{"id":53406,"date":"2026-10-02T23:38:33","date_gmt":"2026-10-02T20:38:33","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=53406"},"modified":"2026-10-02T23:39:24","modified_gmt":"2026-10-02T20:39:24","slug":"tcmb-anketi-bankalar-isletme-kredilerinde-gevseme-bekliyor-konut-kredilerinde-sikilasma-suruyor","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/10\/02\/tcmb-anketi-bankalar-isletme-kredilerinde-gevseme-bekliyor-konut-kredilerinde-sikilasma-suruyor\/","title":{"rendered":"TCMB anketi: Bankalar i\u015fletme kredilerinde gev\u015feme bekliyor, konut kredilerinde s\u0131k\u0131la\u015fma s\u00fcr\u00fcyor"},"content":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), 2026 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek Banka Kredileri E\u011filim Anketi<\/strong> sonu\u00e7lar\u0131n\u0131 yay\u0131mlad\u0131. Anket, bankalar\u0131n 2026 y\u0131l\u0131n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin ger\u00e7ekle\u015fme de\u011ferlendirmeleri ile d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fe y\u00f6nelik beklentilerini ortaya koydu. \u00c7al\u0131\u015fma 7-18 Eyl\u00fcl 2026 tarihleri aras\u0131nda ger\u00e7ekle\u015ftirildi.<\/p>\n

Raporda i\u015fletme kredilerinde kredi verme standartlar\u0131ndaki s\u0131k\u0131la\u015fman\u0131n zay\u0131flayarak s\u00fcrd\u00fc\u011f\u00fc, buna kar\u015f\u0131l\u0131k kredi talebindeki art\u0131\u015f\u0131n g\u00fc\u00e7lenerek devam etti\u011fi g\u00f6r\u00fcld\u00fc. Bireysel tarafta ise \u00f6zellikle konut kredileri dikkat \u00e7ekti. Bankalar, konut kredilerinde standartlar\u0131n daha da s\u0131k\u0131la\u015ft\u0131\u011f\u0131n\u0131 bildirirken konut kredisi talebinin azald\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n

\u0130\u015fletme kredilerinde s\u0131k\u0131la\u015fma zay\u0131flad\u0131<\/h2>\n

TCMB raporuna g\u00f6re 2026\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde i\u015fletmelere kulland\u0131r\u0131lan kredilerde genel standartlar s\u0131k\u0131 kalmaya devam etti ancak s\u0131k\u0131la\u015fman\u0131n \u015fiddeti azald\u0131<\/strong>.<\/p>\n

Alt k\u0131r\u0131l\u0131mlarda ise daha belirgin bir iyile\u015fme g\u00f6r\u00fcld\u00fc. KOB\u0130 kredilerinde s\u0131k\u0131la\u015fma yerini s\u0131n\u0131rl\u0131 gev\u015femeye b\u0131rak\u0131rken b\u00fcy\u00fck i\u015fletmelere verilen kredilerde s\u0131k\u0131la\u015fma zay\u0131flayarak devam etti.<\/p>\n

K\u0131sa ve uzun vadeli kredilerde standartlar gev\u015feme y\u00f6n\u00fcne d\u00f6nerken T\u00fcrk liras\u0131 cinsinden kredilerde de s\u0131k\u0131la\u015fman\u0131n yerini gev\u015feme ald\u0131. Yabanc\u0131 para kredilerinde ise s\u0131k\u0131la\u015fma s\u00fcrd\u00fc ancak \u00f6nceki d\u00f6neme g\u00f6re zay\u0131flad\u0131.<\/p>\n

Kredilere uygulanan standartlar<\/h3>\n

Raporda kullan\u0131lan net y\u00fczde oranlar\u0131nda pozitif de\u011ferler gev\u015femeyi, negatif de\u011ferler s\u0131k\u0131la\u015fmay\u0131<\/strong> ifade ediyor.<\/p>\n

\n
\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Kredi t\u00fcr\u00fc<\/th>\n2026 \u00c72 ger\u00e7ekle\u015fme<\/th>\n2026 \u00c73 ger\u00e7ekle\u015fme<\/th>\nUzun d\u00f6nem ortalamas\u0131<\/th>\n2026 \u00c74 beklenti<\/th>\n<\/tr>\n<\/thead>\n
\u0130\u015fletme kredileri \u2013 genel<\/td>\n-20,4<\/td>\n-7,6<\/td>\n-10,8<\/td>\n18,5<\/td>\n<\/tr>\n
KOB\u0130 kredileri<\/td>\n-20,4<\/td>\n1,9<\/td>\n-6,5<\/td>\n18,5<\/td>\n<\/tr>\n
B\u00fcy\u00fck i\u015fletme kredileri<\/td>\n-20,4<\/td>\n-7,6<\/td>\n-9,0<\/td>\n9,0<\/td>\n<\/tr>\n
K\u0131sa vadeli krediler<\/td>\n-12,8<\/td>\n9,5<\/td>\n-2,9<\/td>\n18,6<\/td>\n<\/tr>\n
Uzun vadeli krediler<\/td>\n-12,8<\/td>\n9,5<\/td>\n-15,5<\/td>\n11,3<\/td>\n<\/tr>\n
TL krediler<\/td>\n-12,8<\/td>\n9,5<\/td>\n2,0<\/td>\n28,1<\/td>\n<\/tr>\n
YP krediler<\/td>\n-12,2<\/td>\n-7,6<\/td>\n-15,8<\/td>\n1,8<\/td>\n<\/tr>\n
Konut kredileri<\/td>\n-0,6<\/td>\n-15,7<\/td>\n-4,2<\/td>\n0,6<\/td>\n<\/tr>\n
Ta\u015f\u0131t kredileri<\/td>\n-0,6<\/td>\n0,0<\/td>\n-3,2<\/td>\n0,6<\/td>\n<\/tr>\n
Di\u011fer bireysel krediler<\/td>\n-18,2<\/td>\n-12,6<\/td>\n-2,8<\/td>\n0,6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

Tablonun en dikkat \u00e7ekici unsurlar\u0131ndan biri, konut kredilerinde standartlar\u0131n -15,7\u2019ye gerilemesi<\/strong> oldu. Bu de\u011fer, bankalar\u0131n konut kredilerinde \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte daha s\u0131k\u0131 kredi verme politikas\u0131 uygulad\u0131klar\u0131n\u0131 g\u00f6steriyor.<\/p>\n

Buna kar\u015f\u0131l\u0131k KOB\u0130 kredilerinde net oran 1,9\u2019a, k\u0131sa ve uzun vadeli kredilerde ise 9,5\u2019e y\u00fckseldi. B\u00f6ylece bu kalemlerde standartlar\u0131n s\u0131k\u0131la\u015fmadan gev\u015feme y\u00f6n\u00fcne ge\u00e7ti\u011fi g\u00f6r\u00fcld\u00fc.<\/p>\n

Son \u00e7eyrekte i\u015fletme kredilerinde gev\u015feme bekleniyor<\/h2>\n

Bankalar\u0131n 2026\u2019n\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine y\u00f6nelik beklentileri, i\u015fletme kredilerinde daha belirgin bir gev\u015feme olaca\u011f\u0131na i\u015faret ediyor.<\/p>\n

\u0130\u015fletme kredilerinin genelinde beklenti g\u00f6stergesi 18,5<\/strong>, k\u0131sa vadeli kredilerde 18,6<\/strong>, T\u00fcrk liras\u0131 kredilerde ise 28,1<\/strong> seviyesinde bulunuyor.<\/p>\n

Raporda KOB\u0130 kredilerindeki gev\u015femenin g\u00fc\u00e7lenerek devam etmesinin, b\u00fcy\u00fck i\u015fletme kredilerindeki s\u0131k\u0131la\u015fman\u0131n ise yerini gev\u015femeye b\u0131rakmas\u0131n\u0131n beklendi\u011fi kaydedildi. Konut, ta\u015f\u0131t ve di\u011fer bireysel kredilerde ise kredi standartlar\u0131nda belirgin bir de\u011fi\u015fiklik \u00f6ng\u00f6r\u00fclm\u00fcyor.<\/p>\n

\u0130\u015fletme kredi talebi g\u00fc\u00e7l\u00fc art\u0131yor<\/h2>\n

Anketin ikinci \u00f6nemli aya\u011f\u0131n\u0131 kredi talepleri olu\u015fturdu.<\/p>\n

TCMB\u2019ye g\u00f6re i\u015fletmelere verilen kredilere y\u00f6nelik talep 2026\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde g\u00fc\u00e7lenerek artmaya devam etti<\/strong>.<\/p>\n

KOB\u0130 ve b\u00fcy\u00fck i\u015fletmelerden gelen kredi talebi y\u00fckselirken k\u0131sa ve uzun vadeli krediler ile TL ve yabanc\u0131 para cinsinden kredilere y\u00f6nelik talepte de art\u0131\u015f g\u00fc\u00e7lendi.<\/p>\n

Kredi taleplerinde son durum<\/h3>\n

Kredi talebi tablolar\u0131nda pozitif de\u011fer art\u0131\u015f\u0131, negatif de\u011fer ise azal\u0131\u015f\u0131 g\u00f6steriyor.<\/p>\n

\n
\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Kredi t\u00fcr\u00fc<\/th>\n2026 \u00c72 ger\u00e7ekle\u015fme<\/th>\n2026 \u00c73 ger\u00e7ekle\u015fme<\/th>\nUzun d\u00f6nem ortalamas\u0131<\/th>\n2026 \u00c74 beklenti<\/th>\n<\/tr>\n<\/thead>\n
\u0130\u015fletme kredileri \u2013 genel<\/td>\n41,1<\/td>\n49,6<\/td>\n18,3<\/td>\n50,8<\/td>\n<\/tr>\n
KOB\u0130 kredileri<\/td>\n41,1<\/td>\n44,9<\/td>\n24,5<\/td>\n50,8<\/td>\n<\/tr>\n
B\u00fcy\u00fck i\u015fletme kredileri<\/td>\n9,1<\/td>\n39,7<\/td>\n14,1<\/td>\n45,5<\/td>\n<\/tr>\n
K\u0131sa vadeli krediler<\/td>\n19,1<\/td>\n40,1<\/td>\n19,1<\/td>\n49,6<\/td>\n<\/tr>\n
Uzun vadeli krediler<\/td>\n18,2<\/td>\n28,5<\/td>\n8,4<\/td>\n18,2<\/td>\n<\/tr>\n
TL krediler<\/td>\n19,1<\/td>\n27,3<\/td>\n18,5<\/td>\n37,5<\/td>\n<\/tr>\n
YP krediler<\/td>\n21,8<\/td>\n36,1<\/td>\n-6,8<\/td>\n29,9<\/td>\n<\/tr>\n
Konut kredileri<\/td>\n-3,9<\/td>\n-7,7<\/td>\n4,9<\/td>\n0,6<\/td>\n<\/tr>\n
Ta\u015f\u0131t kredileri<\/td>\n-32,4<\/td>\n-6,2<\/td>\n-4,7<\/td>\n-15,1<\/td>\n<\/tr>\n
Di\u011fer bireysel krediler<\/td>\n-2,4<\/td>\n3,7<\/td>\n14,9<\/td>\n0,0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

\u0130\u015fletme kredilerindeki talep g\u00f6stergesinin 41,1\u2019den 49,6\u2019ya y\u00fckselmesi<\/strong>, bankalar\u0131n kredi talebinde belirgin bir g\u00fc\u00e7lenme bildirdi\u011fini ortaya koydu.<\/p>\n

B\u00fcy\u00fck i\u015fletme kredilerindeki talep ise 9,1\u2019den 39,7\u2019ye<\/strong> \u00e7\u0131karak dikkat \u00e7ekici bir art\u0131\u015f g\u00f6sterdi. KOB\u0130 kredilerinde talep 44,9 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n

Bankalar d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte i\u015fletme kredi talebinin daha da g\u00fc\u00e7lenerek 50,8<\/strong> seviyesine ula\u015fmas\u0131n\u0131 bekliyor.<\/p>\n

\u0130\u015fletmeler neden daha fazla kredi istiyor?<\/h2>\n

Raporda i\u015fletme kredi talebindeki art\u0131\u015f\u0131n nedenlerine de yer verildi.<\/p>\n

Buna g\u00f6re borcun yeniden yap\u0131land\u0131r\u0131lmas\u0131 ile stok art\u0131r\u0131m\u0131 ve i\u015fletme sermayesi ihtiyac\u0131<\/strong>, i\u015fletmelerin kredi talebini y\u00fckselten en \u00f6nemli fakt\u00f6rler oldu.<\/p>\n

Bu g\u00f6r\u00fcn\u00fcm, firmalar\u0131n finansmana yaln\u0131zca yat\u0131r\u0131m amac\u0131yla de\u011fil, mevcut bor\u00e7 yap\u0131s\u0131n\u0131 d\u00fczenlemek ve faaliyetlerini s\u00fcrd\u00fcrebilmek amac\u0131yla da y\u00f6neldi\u011fine i\u015faret ediyor.<\/p>\n

Konut kredilerinde hem standartlar s\u0131k\u0131 hem talep zay\u0131f<\/h2>\n

Bireysel krediler taraf\u0131nda en belirgin ayr\u0131\u015fma konut kredilerinde ya\u015fand\u0131.<\/p>\n

Konut kredilerine uygulanan standartlarda s\u0131k\u0131la\u015fma g\u00fc\u00e7lenirken kredi talebindeki d\u00fc\u015f\u00fc\u015f de devam etti. Konut kredisi talep g\u00f6stergesi ikinci \u00e7eyrekte -3,9 iken \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte -7,7\u2019ye geriledi<\/strong>.<\/p>\n

Rapora g\u00f6re konut kredisi talebini azaltan en \u00f6nemli unsurlardan biri alternatif finansman kullan\u0131m\u0131<\/strong> oldu.<\/p>\n

TCMB\u2019nin sayfa 3\u2019te yer alan konut kredisi grafi\u011fi de standartlardaki s\u0131k\u0131la\u015fman\u0131n 2026\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde yeniden belirginle\u015fti\u011fini g\u00f6steriyor.<\/p>\n

Ta\u015f\u0131t kredisinde talep d\u00fc\u015fmeye devam ediyor<\/h2>\n

Ta\u015f\u0131t kredilerine uygulanan standartlarda \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte belirgin bir de\u011fi\u015fiklik olmad\u0131. Buna kar\u015f\u0131l\u0131k ta\u015f\u0131t kredisi talebindeki d\u00fc\u015f\u00fc\u015f s\u00fcrd\u00fc ancak \u00f6nceki \u00e7eyre\u011fe g\u00f6re daha s\u0131n\u0131rl\u0131 ger\u00e7ekle\u015fti.<\/p>\n

Ta\u015f\u0131t kredi talebi ikinci \u00e7eyrekte -32,4 iken \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte -6,2<\/strong> seviyesine geldi.<\/p>\n

Bankalar\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyrek beklentisi ise yeniden daha olumsuz. Ta\u015f\u0131t kredisi talebinin -15,1<\/strong> seviyesine gerilemesi bekleniyor.<\/p>\n

Rapora g\u00f6re ta\u015f\u0131t piyasas\u0131na ili\u015fkin beklentiler ile alternatif finansman kullan\u0131m\u0131, ta\u015f\u0131t kredisi talebini azaltan ba\u015fl\u0131ca unsurlar oldu.<\/p>\n

Di\u011fer bireysel kredilerde s\u0131n\u0131rl\u0131 toparlanma<\/h2>\n

Di\u011fer bireysel kredilerde ise \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte s\u0131n\u0131rl\u0131 bir iyile\u015fme g\u00f6r\u00fcld\u00fc.<\/p>\n

Talep g\u00f6stergesi -2,4\u2019ten 3,7\u2019ye<\/strong> y\u00fckselerek azal\u0131\u015ftan art\u0131\u015f b\u00f6lgesine ge\u00e7ti.<\/p>\n

TCMB raporunda bu gruptaki kredi talebini art\u0131ran fakt\u00f6r\u00fcn t\u00fcketici g\u00fcveni<\/strong> oldu\u011fu belirtildi.<\/p>\n

Bununla birlikte di\u011fer bireysel kredilerde kredi standartlar\u0131ndaki s\u0131k\u0131la\u015fman\u0131n tamamen ortadan kalkmad\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. Standart g\u00f6stergesi \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte -12,6 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n

Riskli kredilerde k\u00e2r marj\u0131 y\u00fckseldi<\/h2>\n

Raporun kredi ko\u015ful ve kurallar\u0131 b\u00f6l\u00fcm\u00fcnde de \u00f6nemli sonu\u00e7lar yer ald\u0131.<\/p>\n

\u0130\u015fletmelere kulland\u0131r\u0131lan ortalama krediler \u00fczerindeki k\u00e2r marj\u0131 azal\u0131rken<\/strong>, daha riskli krediler \u00fczerindeki k\u00e2r marj\u0131nda s\u0131n\u0131rl\u0131 art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/p>\n

Ayr\u0131ca;<\/p>\n

    \n
  • Kredi veya kredi limitinin b\u00fcy\u00fckl\u00fc\u011f\u00fcne ili\u015fkin ko\u015fullarda s\u0131k\u0131la\u015fma devam etti.<\/li>\n
  • Teminat ihtiyac\u0131nda s\u0131k\u0131la\u015fma s\u00fcrd\u00fc.<\/li>\n
  • Faiz d\u0131\u015f\u0131ndaki \u00fccret ve komisyonlara ili\u015fkin ko\u015fullarda gev\u015feme ger\u00e7ekle\u015fti.<\/li>\n<\/ul>\n

    Konut kredilerinde ise hem ortalama hem de daha riskli krediler \u00fczerindeki k\u00e2r marjlar\u0131nda belirgin art\u0131\u015f ya\u015fand\u0131. Ta\u015f\u0131t ve di\u011fer bireysel kredilerde ko\u015ful ve kurallar b\u00fcy\u00fck \u00f6l\u00e7\u00fcde ayn\u0131 kald\u0131.<\/p>\n

    Yurt i\u00e7i fonlama ko\u015fullar\u0131 sert bi\u00e7imde gev\u015fedi<\/h2>\n

    Raporun en dikkat \u00e7ekici sonu\u00e7lar\u0131ndan biri de bankalar\u0131n fonlama ko\u015fullar\u0131nda ortaya \u00e7\u0131kt\u0131.<\/p>\n

    2026\u2019n\u0131n ikinci \u00e7eyre\u011finde -73,7<\/strong> olan yurt i\u00e7i fonlama ko\u015fullar\u0131 g\u00f6stergesi, \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte 56,2\u2019ye y\u00fckseldi<\/strong>.<\/p>\n

    Bu sonu\u00e7, bankalar\u0131n yurt i\u00e7i fonlama ko\u015fullar\u0131nda s\u0131k\u0131la\u015fmadan belirgin bi\u00e7imde gev\u015femeye ge\u00e7ti\u011fini g\u00f6steriyor.<\/p>\n

    \n
    \n
    \n\n\n\n\n\n\n
    Fonlama ko\u015fulu<\/th>\n2026 \u00c72<\/th>\n2026 \u00c73<\/th>\nUzun d\u00f6nem ortalamas\u0131<\/th>\n2026 \u00c74 beklenti<\/th>\n<\/tr>\n<\/thead>\n
    Yurt i\u00e7i<\/td>\n-73,7<\/td>\n56,2<\/td>\n-18,7<\/td>\n54,1<\/td>\n<\/tr>\n
    Yurt d\u0131\u015f\u0131<\/td>\n-61,1<\/td>\n-13,4<\/td>\n-3,6<\/td>\n-44,5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

    Yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131nda ise s\u0131k\u0131la\u015fma zay\u0131flamakla birlikte devam etti. G\u00f6stergenin -61,1\u2019den -13,4\u2019e<\/strong> y\u00fckselmesi s\u0131k\u0131la\u015fman\u0131n hafifledi\u011fine i\u015faret etti.<\/p>\n

    Ancak bankalar d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte yurt d\u0131\u015f\u0131 fonlama ko\u015fullar\u0131ndaki s\u0131k\u0131la\u015fman\u0131n yeniden belirginle\u015fmesini bekliyor. D\u00f6rd\u00fcnc\u00fc \u00e7eyrek beklenti de\u011feri -44,5<\/strong> olarak hesapland\u0131.<\/p>\n

    TCMB\u2019ye g\u00f6re yurt d\u0131\u015f\u0131 fonlama maliyeti ile di\u011fer ko\u015ful ve kurallar, yurt d\u0131\u015f\u0131 fonlamay\u0131 s\u0131k\u0131la\u015ft\u0131r\u0131c\u0131 y\u00f6nde etkilemeye devam ediyor.<\/p>\n

    Grafikler kredi piyasas\u0131ndaki ayr\u0131\u015fmay\u0131 ortaya koydu<\/h2>\n

    Raporun 3, 4 ve 5\u2019inci sayfalar\u0131nda yer alan toplam 10 grafik<\/strong>, 2019\u2019dan 2026\u2019ya kadar kredi standartlar\u0131, kredi talepleri ve fonlama ko\u015fullar\u0131ndaki de\u011fi\u015fimi g\u00f6steriyor.<\/p>\n

    Sayfa 3\u2019teki grafiklerde i\u015fletme kredilerinde standartlar\u0131n 2022-2024 d\u00f6neminde s\u0131k\u0131la\u015fma y\u00f6n\u00fcne kayd\u0131\u011f\u0131, son d\u00f6nemde ise daha dengeli ve gev\u015feme y\u00f6nl\u00fc bir g\u00f6r\u00fcn\u00fcm olu\u015ftu\u011fu g\u00f6r\u00fcl\u00fcyor. Konut kredileri grafi\u011finde ise 2026\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde yeniden s\u0131k\u0131la\u015fma y\u00f6n\u00fcnde belirgin hareket dikkat \u00e7ekiyor.<\/p>\n

    Sayfa 4\u2019teki kredi talebi grafiklerinde i\u015fletme kredilerinin uzun y\u0131llar boyunca bireysel kredi gruplar\u0131na g\u00f6re daha g\u00fc\u00e7l\u00fc talep g\u00f6r\u00fcn\u00fcm\u00fc sergiledi\u011fi g\u00f6r\u00fcl\u00fcrken, konut ve ta\u015f\u0131t kredilerinde daha dalgal\u0131 ve son d\u00f6nemde daha zay\u0131f bir seyir \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n

    Sayfa 5\u2019teki fonlama grafiklerinde ise yurt i\u00e7i fonlama ko\u015fullar\u0131n\u0131n 2025-2026 d\u00f6neminde sert dalgaland\u0131\u011f\u0131, 2026\u2019n\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde belirgin gev\u015feme b\u00f6lgesine ge\u00e7ti\u011fi g\u00f6r\u00fcl\u00fcyor. Yurt d\u0131\u015f\u0131 fonlamada ise 2026 itibar\u0131yla yeniden s\u0131k\u0131la\u015fma y\u00f6nl\u00fc bir e\u011filim dikkat \u00e7ekiyor.<\/p>\n

    D\u00f6rd\u00fcnc\u00fc \u00e7eyrek i\u00e7in \u00f6ne \u00e7\u0131kan beklentiler<\/h2>\n

    TCMB anketinin 2026\u2019n\u0131n son \u00e7eyre\u011fine ili\u015fkin genel g\u00f6r\u00fcn\u00fcm\u00fc \u015f\u00f6yle:<\/p>\n

    \n
    \n
    \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Ba\u015fl\u0131k<\/th>\n2026 4. \u00e7eyrek beklentisi<\/th>\n<\/tr>\n<\/thead>\n
    \u0130\u015fletme kredi standartlar\u0131<\/td>\nGev\u015feme<\/td>\n<\/tr>\n
    KOB\u0130 kredi standartlar\u0131<\/td>\nGev\u015femenin g\u00fc\u00e7lenmesi<\/td>\n<\/tr>\n
    B\u00fcy\u00fck i\u015fletme kredileri<\/td>\nS\u0131k\u0131la\u015fmadan gev\u015femeye ge\u00e7i\u015f<\/td>\n<\/tr>\n
    TL kredi standartlar\u0131<\/td>\nDaha g\u00fc\u00e7l\u00fc gev\u015feme<\/td>\n<\/tr>\n
    YP kredi standartlar\u0131<\/td>\nS\u0131n\u0131rl\u0131 gev\u015feme<\/td>\n<\/tr>\n
    Konut kredi standartlar\u0131<\/td>\nBelirgin de\u011fi\u015fim beklenmiyor<\/td>\n<\/tr>\n
    Ta\u015f\u0131t kredi standartlar\u0131<\/td>\nBelirgin de\u011fi\u015fim beklenmiyor<\/td>\n<\/tr>\n
    \u0130\u015fletme kredi talebi<\/td>\nArt\u0131\u015f\u0131n devam\u0131<\/td>\n<\/tr>\n
    KOB\u0130 kredi talebi<\/td>\nG\u00fc\u00e7l\u00fc art\u0131\u015f<\/td>\n<\/tr>\n
    B\u00fcy\u00fck i\u015fletme kredi talebi<\/td>\nG\u00fc\u00e7l\u00fc art\u0131\u015f<\/td>\n<\/tr>\n
    K\u0131sa vadeli kredi talebi<\/td>\nArt\u0131\u015f\u0131n g\u00fc\u00e7lenmesi<\/td>\n<\/tr>\n
    Konut kredi talebi<\/td>\nBelirgin de\u011fi\u015fim beklenmiyor<\/td>\n<\/tr>\n
    Ta\u015f\u0131t kredi talebi<\/td>\nAzal\u0131\u015f\u0131n g\u00fc\u00e7lenmesi<\/td>\n<\/tr>\n
    Yurt i\u00e7i fonlama<\/td>\nGev\u015femenin s\u00fcrmesi<\/td>\n<\/tr>\n
    Yurt d\u0131\u015f\u0131 fonlama<\/td>\nS\u0131k\u0131la\u015fman\u0131n s\u00fcrmesi<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n

    Anket 16 bankaya uygulan\u0131yor<\/h2>\n

    Banka Kredileri E\u011filim Anketi, aktif b\u00fcy\u00fckl\u00fckleri dikkate al\u0131narak belirlenen 16 bankaya<\/strong> uygulan\u0131yor.<\/p>\n

    TCMB ayr\u0131ca anket sonu\u00e7lar\u0131n\u0131n kat\u0131l\u0131mc\u0131 bankalar\u0131n yan\u0131tlar\u0131na dayand\u0131\u011f\u0131n\u0131 ve sonu\u00e7lar\u0131n Merkez Bankas\u0131\u2019n\u0131n kendi g\u00f6r\u00fc\u015f veya tahminlerini yans\u0131tmad\u0131\u011f\u0131n\u0131<\/strong> \u00f6zellikle vurguluyor.<\/p>\n

    Raporda net y\u00fczde oran\u0131, gev\u015feme veya art\u0131\u015f bildiren bankalar\u0131n oran\u0131ndan s\u0131k\u0131la\u015fma veya azal\u0131\u015f bildirenlerin oran\u0131n\u0131n \u00e7\u0131kar\u0131lmas\u0131yla hesaplan\u0131yor. Uzun d\u00f6nem ortalamas\u0131 ise serinin ba\u015flang\u0131c\u0131ndan itibaren son \u00e7eyrek hari\u00e7 t\u00fcm d\u00f6nemleri kaps\u0131yor.<\/p>\n","protected":false},"excerpt":{"rendered":"

    T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n 2026 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek Banka Kredileri E\u011filim Anketi, kredi piyasas\u0131nda i\u015fletme ve bireysel krediler a\u00e7\u0131s\u0131ndan farkl\u0131la\u015fan bir g\u00f6r\u00fcn\u00fcm ortaya koydu. \u0130\u015fletme kredilerinde standartlardaki s\u0131k\u0131la\u015fma zay\u0131flarken kredi talebi g\u00fc\u00e7lendi. Konut kredilerinde standartlardaki s\u0131k\u0131la\u015fma belirginle\u015fti, talep ise geriledi. Bankalar 2026\u2019n\u0131n son \u00e7eyre\u011finde i\u015fletme kredilerinde standartlar\u0131n gev\u015femesini ve talebin artmaya devam etmesini bekliyor.<\/p>\n","protected":false},"author":2,"featured_media":47308,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[16364,16365,432],"class_list":["post-53406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankakredileri","tag-kreditalebi","tag-tcmb"],"yoast_head":"\nTCMB anketi: Bankalar i\u015fletme kredilerinde gev\u015feme bekliyor, konut kredilerinde s\u0131k\u0131la\u015fma s\u00fcr\u00fcyor - 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\/tcmb-anketi-bankalar-isletme-kredilerinde-gevseme-bekliyor-konut-kredilerinde-sikilasma-suruyor\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TCMB anketi: Bankalar i\u015fletme kredilerinde gev\u015feme bekliyor, konut kredilerinde s\u0131k\u0131la\u015fma s\u00fcr\u00fcyor - Merceknet Haber\" \/>\n<meta property=\"og:description\" content=\"T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n 2026 y\u0131l\u0131 \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrek Banka Kredileri E\u011filim Anketi, kredi piyasas\u0131nda i\u015fletme ve bireysel krediler a\u00e7\u0131s\u0131ndan farkl\u0131la\u015fan bir g\u00f6r\u00fcn\u00fcm ortaya koydu. \u0130\u015fletme kredilerinde standartlardaki s\u0131k\u0131la\u015fma zay\u0131flarken kredi talebi g\u00fc\u00e7lendi. 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