{"id":60998,"date":"2026-11-11T23:19:42","date_gmt":"2026-11-11T20:19:42","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=60998"},"modified":"2026-11-11T23:19:42","modified_gmt":"2026-11-11T20:19:42","slug":"merkez-bankasi-kredi-buyume-sinirlarini-yukseltti-ihtiyac-tasit-ve-ticari-kredilerde-yeni-oranlar-aciklandi","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/11\/11\/merkez-bankasi-kredi-buyume-sinirlarini-yukseltti-ihtiyac-tasit-ve-ticari-kredilerde-yeni-oranlar-aciklandi\/","title":{"rendered":"Merkez Bankas\u0131 kredi b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131 y\u00fckseltti! \u0130htiya\u00e7, ta\u015f\u0131t ve ticari kredilerde yeni oranlar a\u00e7\u0131kland\u0131"},"content":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn kredi b\u00fcy\u00fcmesine y\u00f6nelik uygulad\u0131\u011f\u0131 s\u0131n\u0131rlarda yeni bir d\u00fczenleme yapt\u0131. 11 Kas\u0131m 2026 \u00c7ar\u015famba g\u00fcn\u00fc yay\u0131mlanan 2026-49 say\u0131l\u0131 Makroihtiyati \u00c7er\u00e7eveye \u0130li\u015fkin Bas\u0131n Duyurusu<\/strong> ile ihtiya\u00e7, ta\u015f\u0131t ve ticari kredilerde b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131 art\u0131r\u0131ld\u0131.<\/p>\n

Merkez Bankas\u0131n\u0131n ald\u0131\u011f\u0131 kararla d\u00f6rt kredi kategorisinin tamam\u0131nda sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131 0,5 puan y\u00fckseltildi.<\/p>\n

D\u00fczenleme kapsam\u0131nda t\u00fcketicilerin kulland\u0131\u011f\u0131 ihtiya\u00e7 ve ta\u015f\u0131t kredileri ile k\u00fc\u00e7\u00fck ve orta b\u00fcy\u00fckl\u00fckteki i\u015fletmelerin (KOB\u0130) ve di\u011fer i\u015fletmelerin T\u00fcrk liras\u0131 kredileri i\u00e7in yeni oranlar belirlendi.<\/p>\n

TCMB, de\u011fi\u015fikliklerin makrofinansal istikrar\u0131 ve parasal aktar\u0131m mekanizmas\u0131n\u0131 desteklemek amac\u0131yla ger\u00e7ekle\u015ftirildi\u011fini a\u00e7\u0131klad\u0131.<\/p>\n

Kredi b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131 ne kadar y\u00fckseldi?<\/h3>\n

Merkez Bankas\u0131n\u0131n a\u00e7\u0131klad\u0131\u011f\u0131 yeni oranlar \u015f\u00f6yle:<\/p>\n\n\n\n\n\n\n\n
Kredi t\u00fcr\u00fc<\/th>\n\u00d6nceki s\u0131n\u0131r<\/th>\nYeni s\u0131n\u0131r<\/th>\nDe\u011fi\u015fim<\/th>\n<\/tr>\n
\u0130htiya\u00e7 kredileri<\/td>\n%3<\/td>\n%3,5<\/strong><\/td>\n+0,5 puan<\/td>\n<\/tr>\n
Ta\u015f\u0131t kredileri<\/td>\n%3<\/td>\n%3,5<\/strong><\/td>\n+0,5 puan<\/td>\n<\/tr>\n
KOB\u0130’lere kulland\u0131r\u0131lan TL krediler<\/td>\n%5<\/td>\n%5,5<\/strong><\/td>\n+0,5 puan<\/td>\n<\/tr>\n
KOB\u0130 d\u0131\u015f\u0131 i\u015fletmelere kulland\u0131r\u0131lan TL krediler<\/td>\n%2<\/td>\n%2,5<\/strong><\/td>\n+0,5 puan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Uygulama d\u00f6nemi:<\/strong> Sekiz hafta<\/p>\n

De\u011fi\u015ftirilen kredi kategorisi:<\/strong> 4<\/p>\n

B\u00fct\u00fcn kategorilerdeki art\u0131\u015f:<\/strong> 0,5 y\u00fczde puan<\/p>\n

\u0130htiya\u00e7 kredilerinde b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 3,5 oldu<\/h3>\n

Merkez Bankas\u0131n\u0131n yeni d\u00fczenlemesiyle t\u00fcketicilere kulland\u0131r\u0131lan ihtiya\u00e7 kredilerinde sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 3’ten y\u00fczde 3,5’e y\u00fckseltildi.<\/p>\n

Karar, bankalar\u0131n ihtiya\u00e7 kredisi portf\u00f6ylerinin belirlenen d\u00f6nem i\u00e7erisinde b\u00fcy\u00fcmesine ili\u015fkin s\u0131n\u0131r\u0131 art\u0131r\u0131yor.<\/p>\n

B\u00f6ylece bankalara ihtiya\u00e7 kredilerindeki b\u00fcy\u00fcme bak\u0131m\u0131ndan \u00f6nceki uygulamaya g\u00f6re daha geni\u015f bir alan tan\u0131n\u0131yor.<\/p>\n

Ancak d\u00fczenleme, bireysel kredi ba\u015fvurular\u0131n\u0131n otomatik olarak onaylanaca\u011f\u0131 veya ihtiya\u00e7 kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fcld\u00fc\u011f\u00fc anlam\u0131na gelmiyor.<\/p>\n

Kredi kullan\u0131m\u0131nda bankalar\u0131n m\u00fc\u015fteri de\u011ferlendirmeleri, gelir durumu, kredi notu ve y\u00fcr\u00fcrl\u00fckteki di\u011fer kurallar ge\u00e7erlili\u011fini koruyor.<\/p>\n

Ta\u015f\u0131t kredilerinde de ayn\u0131 de\u011fi\u015fiklik yap\u0131ld\u0131<\/h3>\n

TCMB, ta\u015f\u0131t kredilerindeki sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131r\u0131n\u0131 da y\u00fczde 3’ten y\u00fczde 3,5’e \u00e7\u0131kard\u0131.<\/p>\n

Bu d\u00fczenlemeyle bankalar\u0131n ta\u015f\u0131t kredisi portf\u00f6ylerinin b\u00fcy\u00fcmesine y\u00f6nelik uygulanan s\u0131n\u0131r 0,5 puan art\u0131r\u0131ld\u0131.<\/p>\n

Yeni karar, ta\u015f\u0131t kredisi kulland\u0131ran bankalar\u0131n kredi b\u00fcy\u00fcmesini y\u00f6netirken dikkate ald\u0131\u011f\u0131 makroihtiyati s\u0131n\u0131rlardan birini de\u011fi\u015ftiriyor.<\/p>\n

Ta\u015f\u0131t kredilerinde uygulanacak faiz oranlar\u0131, kredi vadeleri ve krediye konu arac\u0131n de\u011ferine ba\u011fl\u0131 di\u011fer s\u0131n\u0131rlamalar ise bu duyuruda de\u011fi\u015ftirilmedi.<\/p>\n

KOB\u0130 kredilerinde b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 5,5’e y\u00fckseltildi<\/h3>\n

Merkez Bankas\u0131n\u0131n karar\u0131nda ticari kredilere y\u00f6nelik d\u00fczenlemeler de yer ald\u0131.<\/p>\n

K\u00fc\u00e7\u00fck ve orta b\u00fcy\u00fckl\u00fckteki i\u015fletmelere kulland\u0131r\u0131lan T\u00fcrk liras\u0131 kredilerinde sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 5’ten y\u00fczde 5,5’e \u00e7\u0131kar\u0131ld\u0131.<\/p>\n

B\u00f6ylece KOB\u0130 kredilerine ili\u015fkin b\u00fcy\u00fcme s\u0131n\u0131r\u0131 da di\u011fer kredi kategorilerinde oldu\u011fu gibi 0,5 puan art\u0131r\u0131ld\u0131.<\/p>\n

Karar, bankalar\u0131n KOB\u0130’lere y\u00f6nelik T\u00fcrk liras\u0131 kredi portf\u00f6ylerinde daha y\u00fcksek bir b\u00fcy\u00fcme oran\u0131na imk\u00e2n tan\u0131yor.<\/p>\n

KOB\u0130 kredilerinde b\u00fcy\u00fcme s\u0131n\u0131r\u0131n\u0131n y\u00fckseltilmesi, \u00f6zellikle finansman ihtiyac\u0131 bulunan k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmeler a\u00e7\u0131s\u0131ndan \u00f6nem ta\u015f\u0131yor. Bununla birlikte i\u015fletmelerin krediye eri\u015fimi, bankalar\u0131n kredi politikalar\u0131na ve ba\u015fvuru de\u011ferlendirmelerine ba\u011fl\u0131 olmaya devam ediyor.<\/p>\n

KOB\u0130 d\u0131\u015f\u0131ndaki i\u015fletmelerin kredi s\u0131n\u0131r\u0131 y\u00fczde 2,5 oldu<\/h3>\n

Yeni d\u00fczenlemede KOB\u0130 kapsam\u0131 d\u0131\u015f\u0131nda kalan i\u015fletmelerin T\u00fcrk liras\u0131 kredilerine ili\u015fkin s\u0131n\u0131r da art\u0131r\u0131ld\u0131.<\/p>\n

Bu kategoride daha \u00f6nce y\u00fczde 2 olan sekiz haftal\u0131k kredi b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 2,5’e y\u00fckseltildi.<\/p>\n

B\u00f6ylece KOB\u0130 d\u0131\u015f\u0131 i\u015fletmeler i\u00e7in uygulanan s\u0131n\u0131rda da 0,5 puanl\u0131k art\u0131\u015f yap\u0131ld\u0131.<\/p>\n

Karar, KOB\u0130 ve KOB\u0130 d\u0131\u015f\u0131 i\u015fletmeler i\u00e7in farkl\u0131 b\u00fcy\u00fcme oranlar\u0131 uygulanmas\u0131 esas\u0131n\u0131 korurken her iki kategoride bankalar\u0131n kredi portf\u00f6ylerini geni\u015fletebilece\u011fi s\u0131n\u0131r\u0131 y\u00fckseltiyor.<\/p>\n

Merkez Bankas\u0131 daha \u00f6nce de KOB\u0130 kredilerinde de\u011fi\u015fikli\u011fe gitmi\u015fti<\/h3>\n

TCMB, 1 Ekim 2026 tarihinde yay\u0131mlad\u0131\u011f\u0131 2026-43 say\u0131l\u0131 duyuruyla KOB\u0130 kredilerinin b\u00fcy\u00fcme s\u0131n\u0131r\u0131n\u0131 y\u00fczde 4,5’ten y\u00fczde 5’e y\u00fckseltmi\u015fti.<\/p>\n

11 Kas\u0131m’da a\u00e7\u0131klanan yeni d\u00fczenlemeyle bu oran y\u00fczde 5,5’e \u00e7\u0131kar\u0131ld\u0131.<\/p>\n

B\u00f6ylece KOB\u0130 kredilerinde sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131r\u0131 ekim ve kas\u0131m aylar\u0131nda yap\u0131lan iki d\u00fczenlemeyle toplam 1 puan art\u0131r\u0131lm\u0131\u015f oldu.<\/p>\n

Zorunlu kar\u015f\u0131l\u0131k uygulamas\u0131nda da de\u011fi\u015fiklik yap\u0131ld\u0131<\/h3>\n

Merkez Bankas\u0131, kredi b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131n yan\u0131 s\u0131ra bankalar\u0131n ve finansman \u015firketlerinin zorunlu kar\u015f\u0131l\u0131k uygulamas\u0131na ili\u015fkin yeni bir karar ald\u0131.<\/p>\n

TCMB’nin a\u00e7\u0131klamas\u0131na g\u00f6re, bankalar\u0131n ve finansman \u015firketlerinin bir y\u0131ldan uzun vadeli T\u00fcrk liras\u0131 ve yabanc\u0131 para cinsinden mevduat d\u0131\u015f\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri<\/strong> i\u00e7in tesis ettikleri zorunlu kar\u015f\u0131l\u0131klara, T\u00fcrk liras\u0131 cinsinden faiz veya telafi \u00f6demesi yap\u0131lacak.<\/p>\n

Zorunlu kar\u015f\u0131l\u0131klar, bankalar\u0131n ve ilgili finansal kurulu\u015flar\u0131n belirli y\u00fck\u00fcml\u00fcl\u00fckleri kar\u015f\u0131l\u0131\u011f\u0131nda Merkez Bankas\u0131nda bulundurmak zorunda olduklar\u0131 tutarlar\u0131 ifade ediyor.<\/p>\n

Yeni karar, s\u00f6z konusu uzun vadeli y\u00fck\u00fcml\u00fcl\u00fckler i\u00e7in tutulan zorunlu kar\u015f\u0131l\u0131klar\u0131n faiz veya telafi \u00f6demesine konu edilmesini d\u00fczenliyor.<\/p>\n

Bu de\u011fi\u015fiklik do\u011frudan bireysel kredi faizlerini belirlemiyor. D\u00fczenleme, finansal kurulu\u015flar\u0131n zorunlu kar\u015f\u0131l\u0131klar\u0131na y\u00f6nelik uygulamay\u0131 de\u011fi\u015ftiriyor.<\/p>\n

Kredi b\u00fcy\u00fcme s\u0131n\u0131r\u0131 nedir, vatanda\u015flar\u0131 nas\u0131l etkiler?<\/h3>\n

Kredi b\u00fcy\u00fcme s\u0131n\u0131r\u0131, bankalar\u0131n belirli kredi t\u00fcrlerindeki portf\u00f6ylerinin belirlenen d\u00f6nem i\u00e7erisinde ne \u00f6l\u00e7\u00fcde b\u00fcy\u00fcyebilece\u011fine ili\u015fkin makroihtiyati uygulamay\u0131 ifade ediyor.<\/p>\n

Merkez Bankas\u0131, bu mekanizma arac\u0131l\u0131\u011f\u0131yla kredi geni\u015flemesini ve finansal ko\u015fullar\u0131 y\u00f6nlendirmeyi ama\u00e7l\u0131yor.<\/p>\n

11 Kas\u0131m’da a\u00e7\u0131klanan oranlar, vatanda\u015f\u0131n kullanabilece\u011fi azami kredi tutar\u0131n\u0131 veya kredi faizini de\u011fil, bankalar\u0131n sekiz haftal\u0131k kredi b\u00fcy\u00fcmesine ili\u015fkin s\u0131n\u0131rlar\u0131<\/strong> g\u00f6steriyor.<\/p>\n

Bu nedenle yeni d\u00fczenleme ile birlikte her vatanda\u015f\u0131n daha y\u00fcksek tutarda kredi kullanabilece\u011fi ya da bankalar\u0131n kredi faizlerini do\u011frudan indirece\u011fi sonucuna var\u0131lam\u0131yor.<\/p>\n

Kredi talebinde bulunan vatanda\u015flar ve i\u015fletmeler i\u00e7in bankalar\u0131n uygulad\u0131\u011f\u0131 faiz, vade, teminat ve kredi de\u011ferlendirme ko\u015fullar\u0131 \u00f6nemini koruyor.<\/p>\n

Konya’daki sanayici, esnaf ve i\u015fletmeler i\u00e7in ne anlama geliyor?<\/h3>\n

Konya, sanayi \u00fcretimi, ticaret, tar\u0131m ve KOB\u0130 faaliyetlerinin yo\u011fun oldu\u011fu \u015fehirler aras\u0131nda bulunuyor.<\/p>\n

Bu nedenle KOB\u0130 kredilerindeki b\u00fcy\u00fcme s\u0131n\u0131r\u0131n\u0131n y\u00fczde 5,5’e, di\u011fer ticari T\u00fcrk liras\u0131 kredilerindeki s\u0131n\u0131r\u0131n y\u00fczde 2,5’e y\u00fckseltilmesi, Konya’da faaliyet g\u00f6steren sanayi kurulu\u015flar\u0131, \u00fcreticiler, esnaf ve ticaret i\u015fletmeleri a\u00e7\u0131s\u0131ndan da \u00f6nem ta\u015f\u0131yor.<\/p>\n

\u00d6zellikle i\u015fletme sermayesi, hammadde al\u0131m\u0131, \u00fcretim giderleri ve yat\u0131r\u0131m finansman\u0131 amac\u0131yla kredi kullanan i\u015fletmeler, bankalar\u0131n kredi politikalar\u0131ndaki de\u011fi\u015fiklikleri yak\u0131ndan takip ediyor.<\/p>\n

Yeni d\u00fczenleme, bankalar\u0131n ticari kredi b\u00fcy\u00fcmesine daha fazla alan tan\u0131yor. Ancak bu de\u011fi\u015fikli\u011fin Konya’daki i\u015fletmelerin kredi maliyetlerine ve finansmana eri\u015fimine ne \u00f6l\u00e7\u00fcde yans\u0131yaca\u011f\u0131, bankalar\u0131n uygulayaca\u011f\u0131 kredi ko\u015fullar\u0131na ba\u011fl\u0131 olacak.<\/p>\n

Merkez Bankas\u0131n\u0131n karar\u0131n\u0131n amac\u0131 a\u00e7\u0131kland\u0131<\/h3>\n

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131, yeni d\u00fczenlemenin amac\u0131n\u0131 makrofinansal istikrar\u0131n ve parasal aktar\u0131m mekanizmas\u0131n\u0131n desteklenmesi olarak duyurdu.<\/p>\n

11 Kas\u0131m 2026 tarihli resm\u00ee a\u00e7\u0131klamada, bir y\u0131ldan uzun vadeli mevduat d\u0131\u015f\u0131 y\u00fck\u00fcml\u00fcl\u00fcklerin zorunlu kar\u015f\u0131l\u0131klar\u0131na ili\u015fkin faiz veya telafi \u00f6demesi yap\u0131laca\u011f\u0131 ve d\u00f6rt kredi grubundaki sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131n y\u00fckseltildi\u011fi bildirildi.<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), ihtiya\u00e7, ta\u015f\u0131t ve ticari kredilerde uygulanan sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131 art\u0131rd\u0131. \u0130htiya\u00e7 ve ta\u015f\u0131t kredilerinde y\u00fczde 3 olan s\u0131n\u0131r y\u00fczde 3,5’e, KOB\u0130 kredilerinde y\u00fczde 5 olan s\u0131n\u0131r y\u00fczde 5,5’e y\u00fckseltildi. KOB\u0130 d\u0131\u015f\u0131ndaki i\u015fletmelerin T\u00fcrk liras\u0131 kredilerinde ise b\u00fcy\u00fcme s\u0131n\u0131r\u0131 y\u00fczde 2’den y\u00fczde 2,5’e \u00e7\u0131kar\u0131ld\u0131. Bankalar\u0131n uzun vadeli y\u00fck\u00fcml\u00fcl\u00fcklerine ili\u015fkin zorunlu kar\u015f\u0131l\u0131k uygulamas\u0131nda da de\u011fi\u015fikli\u011fe gidildi.<\/p>\n","protected":false},"author":2,"featured_media":3408,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,3483],"tags":[17517,434],"class_list":["post-60998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-4-bolge","tag-kredibuyumesiniri","tag-merkezbankasi"],"yoast_head":"\nMerkez Bankas\u0131 kredi b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131 y\u00fckseltti! \u0130htiya\u00e7, ta\u015f\u0131t ve ticari kredilerde yeni oranlar a\u00e7\u0131kland\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\/11\/11\/merkez-bankasi-kredi-buyume-sinirlarini-yukseltti-ihtiyac-tasit-ve-ticari-kredilerde-yeni-oranlar-aciklandi\/\" \/>\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 b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131 y\u00fckseltti! \u0130htiya\u00e7, ta\u015f\u0131t ve ticari kredilerde yeni oranlar a\u00e7\u0131kland\u0131 - Merceknet Haber\" \/>\n<meta property=\"og:description\" content=\"T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), ihtiya\u00e7, ta\u015f\u0131t ve ticari kredilerde uygulanan sekiz haftal\u0131k b\u00fcy\u00fcme s\u0131n\u0131rlar\u0131n\u0131 art\u0131rd\u0131. \u0130htiya\u00e7 ve ta\u015f\u0131t kredilerinde y\u00fczde 3 olan s\u0131n\u0131r y\u00fczde 3,5'e, KOB\u0130 kredilerinde y\u00fczde 5 olan s\u0131n\u0131r y\u00fczde 5,5'e y\u00fckseltildi. 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