Yeni y\u0131l\u0131n ilk iki ay\u0131nda mevduat faizlerinde \u201czirve\u2013denge\u201d e\u011filimi \u00f6ne \u00e7\u0131kt\u0131. Ocak sonunda baz\u0131 bankalarda 32 g\u00fcn vadede y\u00fczde 46\u2019ya uzanan kampanyal\u0131 oranlar konu\u015fulurken, \u015eubat itibar\u0131yla bir\u00e7ok bankan\u0131n tekliflerinde a\u015fa\u011f\u0131 y\u00f6nl\u00fc ayarlamalar g\u00f6r\u00fcld\u00fc. Piyasa kar\u015f\u0131la\u015ft\u0131rma ekranlar\u0131nda 32 g\u00fcn vadede en y\u00fcksek oranlar\u0131n y\u00fczde 44 civar\u0131nda yo\u011funla\u015ft\u0131\u011f\u0131, \u00f6zellikle yeni m\u00fc\u015fteri\/\u201cho\u015f geldin\u201d kampanyalar\u0131n\u0131n standart vadeli hesaplara g\u00f6re daha y\u00fcksek kald\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 Para Politikas\u0131 Kurulu, 22 Ocak 2026 tarihli toplant\u0131s\u0131nda politika faizini 100 baz puan indirerek y\u00fczde 37\u2019ye \u00e7ekti. Bu karar\u0131n ard\u0131ndan bankalar\u0131n mevduat tekliflerinde \u201ctemkinli indirim\u201d \u00e7izgisi \u00f6ne \u00e7\u0131karken, piyasada en \u00e7ok takip edilen \u00fcr\u00fcn olan 32 g\u00fcn vadede kampanyal\u0131 oranlar\u0131n 44 band\u0131na yerle\u015fti\u011fi de\u011ferlendiriliyor.<\/p>\n
Getiri; bankan\u0131n verdi\u011fi y\u0131ll\u0131k oran, vade g\u00fcn\u00fc ve stopaj kesintisine g\u00f6re de\u011fi\u015fiyor. \u00d6rnek olarak y\u0131ll\u0131k %44<\/strong> oranla 32 g\u00fcn<\/strong> vadede 1.000.000 TL<\/strong> i\u00e7in:<\/p>\n Br\u00fct getiri:<\/strong> yakla\u015f\u0131k 38,5 bin TL<\/strong><\/p>\n<\/li>\n Stopaj sonras\u0131 net:<\/strong> stopaj oran\u0131na ba\u011fl\u0131 olarak yakla\u015f\u0131k 32\u201333 bin TL<\/strong> band\u0131<\/p>\n<\/li>\n<\/ul>\n Not: Net tutar, bankaya\/\u00fcr\u00fcne g\u00f6re stopaj oran\u0131 ve kampanya \u015fartlar\u0131yla de\u011fi\u015febilir.<\/p>\n<\/blockquote>\n TCMB\u2019nin 2026 takvimine g\u00f6re bir sonraki faiz karar\u0131 12 Mart 2026<\/strong> tarihinde a\u00e7\u0131klanacak. Piyasada, yeni bir indirim gelmesi halinde mevduat oranlar\u0131nda a\u015fa\u011f\u0131 y\u00f6nl\u00fc hareketin s\u00fcrmesi; buna kar\u015f\u0131n bankalar\u0131n TL mevduat toplama ihtiyac\u0131n\u0131n \u201csert d\u00fc\u015f\u00fc\u015fleri\u201d s\u0131n\u0131rlayabilece\u011fi yorumlar\u0131 yap\u0131l\u0131yor.<\/p>\n","protected":false},"excerpt":{"rendered":" TCMB\u2019nin 22 Ocak\u2019ta politika faizini y\u00fczde 37\u2019ye indirmesinin ard\u0131ndan mevduat cephesinde kademeli geri \u00e7ekilme h\u0131zland\u0131. Piyasada \u201cho\u015f geldin\u201d kampanyalar\u0131 32 g\u00fcn vadede y\u00fczde 44 band\u0131nda g\u00f6r\u00fcn\u00fcrken; TCMB verilerine dayal\u0131 izleme tablolar\u0131nda 1 aya kadar vadeli TL mevduatta oranlar\u0131n y\u00fczde 43,72 seviyesinde izlendi\u011fi aktar\u0131l\u0131yor.<\/p>\n","protected":false},"author":6,"featured_media":8063,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[61,58,1143,2403,432],"class_list":["post-8062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankacilik","tag-ekonomi","tag-faiz","tag-mevduatfaizi","tag-tcmb"],"yoast_head":"\n\n
\n
Takvim: S\u0131radaki karar 12 Mart<\/h3>\n