{"id":4456,"date":"2022-07-16T10:48:09","date_gmt":"2022-07-16T07:48:09","guid":{"rendered":"http:\/\/www.denizliviphaber.com\/?p=4456"},"modified":"2022-07-16T10:48:10","modified_gmt":"2022-07-16T07:48:10","slug":"bireysel-iflas-dalgasi-geliyor","status":"publish","type":"post","link":"https:\/\/www.denizliviphaber.com\/index.php\/2022\/07\/16\/bireysel-iflas-dalgasi-geliyor\/","title":{"rendered":"Bireysel iflas dalgas\u0131 geliyor."},"content":{"rendered":"\n

Vatanda\u015f\u0131n \u00f6deyemedi\u011fi banka borcu y\u00fczde 55 art\u0131\u015fla 30.5 milyar liraya ula\u015ft\u0131. Takibe d\u00fc\u015fenlerin say\u0131s\u0131 da y\u0131l\u0131n ilk 5 ay\u0131nda 403 binden 748 bine \u00e7\u0131kt\u0131.<\/h2>\n\n\n\n

<\/p>\n\n\n\n

\"Bireysel<\/figure>\n\n\n\n

S\u00f6zc\u00fc’den Mehtap \u00d6zcan Ert\u00fcrk’\u00fcn haberine g\u00f6re,<\/strong><\/a>\u00a0ekonomik kriz giderek derinle\u015firken ekonomik veriler de bunu teyit ediyor. \u00dclkede y\u00fckselen enflasyon ve d\u00fc\u015fen al\u0131m g\u00fcc\u00fc vatanda\u015f\u0131 anl\u0131k ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layacaklar\u0131 d\u00fc\u015f\u00fck limitli ihtiya\u00e7 kredilerine y\u00f6nlendirirken, kredi kartlar\u0131n\u0131 da i\u00e7eren bireysel kredi bor\u00e7lar\u0131 alarm vermeye ba\u015flad\u0131. T\u00fcrkiye Bankalar Birli\u011fi (TBB) Risk Merkez verilerine g\u00f6re, bireysel kredi kartlar\u0131n\u0131 da i\u00e7eren bireysel kredilerde tasfiye olunacak alacaklar bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 55 art\u0131\u015f ile 30.5 milyar TL oldu.<\/p>\n\n\n\n

4 milyon ki\u015fiyi a\u015ft\u0131<\/strong><\/h3>\n\n\n\n

Borcunu \u00f6deyemedi\u011fi i\u00e7in yasal takibe d\u00fc\u015fen ki\u015fi say\u0131s\u0131 ise May\u0131s 2022 itibar\u0131yla 4 milyon 147 bin 977’ye ula\u015ft\u0131. Bireysel kredi kart\u0131 borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 2022 y\u0131l\u0131 Ocak-May\u0131s d\u00f6neminde 403 bin ki\u015fi oldu. Bireysel kredi borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 ise ayn\u0131 d\u00f6nemde 513 bin ki\u015fi oldu. Bireysel kredi veya bireysel kredi kart\u0131 borcundan dolay\u0131 yasal takibe intikal etmi\u015f ki\u015fi say\u0131s\u0131 Ocak-May\u0131s 2022 d\u00f6neminde 748 bin 437 ki\u015fi oldu. Bu say\u0131 2021 y\u0131l\u0131n\u0131n ayn\u0131 d\u00f6neminde 408 bin 913 ki\u015fiydi. B\u00f6ylece bireysel kredi ve bireysel kredi kart\u0131 borcunu \u00f6dememi\u015f ki\u015fi say\u0131s\u0131 May\u0131s 2022 itibar\u0131yla 4 milyon 147 bin 977’ye ula\u015ft\u0131. Ayr\u0131ca uzun vadeli ve k\u00fc\u00e7\u00fck taksitli bor\u00e7 kapama kredileri t\u00fcketicilerin ilk tercihiyken, bunun yerini anl\u0131k k\u00fc\u00e7\u00fck ihtiya\u00e7lar\u0131 kar\u015f\u0131layan limitler ald\u0131.<\/p>\n\n\n\n

G\u00fcn\u00fc kurtarabilmek i\u00e7in kredi kullan\u0131l\u0131yor<\/strong><\/h3>\n\n\n\n

TBB Risk Merkezi nisan ay\u0131 raporuna g\u00f6re, takipteki krediler hari\u00e7 bireysel kredi kullanan ki\u015fi say\u0131s\u0131 son bir y\u0131lda yakla\u015f\u0131k 1.6 milyon ki\u015fi artarak 36.1 milyon ki\u015fiye ula\u015ft\u0131. Bor\u00e7lu ki\u015filere ait ortalama kredi bakiyesi ise 31 bin 500 TL’ye \u00e7\u0131kt\u0131. Kredi dan\u0131\u015fmanl\u0131k hizmeti veren \u0130nteraktif Kredi’de Krediler Birimi M\u00fcd\u00fcr\u00fc Zehra T\u00fckenmez<\/strong>, kulland\u0131r\u0131lan bireysel kredilerin y\u00fczde 60’\u0131n\u0131n ihtiya\u00e7 kredisi oldu\u011funa i\u015faret ederek, \u201cBu durum vatanda\u015f\u0131n ara\u00e7, konut gibi ta\u015f\u0131nmaz sat\u0131n almaktan ziyade anl\u0131k ihtiya\u00e7lar\u0131 ve g\u00fcn\u00fc kurtarmak i\u00e7in kredi kullanmay\u0131 tercih etti\u011fi gibi bir \u00e7\u0131kar\u0131m yapmam\u0131za sebep oluyor. T\u00fcketici kredilerinde limitler 150.000 TL civar\u0131na kadar \u00e7\u0131kabiliyorken \u015fimdi bu limitler 50.000-70.000 TL aras\u0131nda kal\u0131yor\u201d<\/strong> dedi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Vatanda\u015f\u0131n \u00f6deyemedi\u011fi banka borcu y\u00fczde 55 art\u0131\u015fla 30.5 milyar liraya ula\u015ft\u0131. Takibe d\u00fc\u015fenlerin say\u0131s\u0131 da y\u0131l\u0131n ilk 5 ay\u0131nda 403 binden 748 bine \u00e7\u0131kt\u0131. S\u00f6zc\u00fc’den Mehtap \u00d6zcan Ert\u00fcrk’\u00fcn haberine g\u00f6re,\u00a0ekonomik kriz giderek derinle\u015firken ekonomik veriler de bunu teyit ediyor. \u00dclkede y\u00fckselen enflasyon ve d\u00fc\u015fen al\u0131m g\u00fcc\u00fc vatanda\u015f\u0131 anl\u0131k ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layacaklar\u0131 d\u00fc\u015f\u00fck limitli ihtiya\u00e7 kredilerine y\u00f6nlendirirken, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/posts\/4456"}],"collection":[{"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/comments?post=4456"}],"version-history":[{"count":1,"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/posts\/4456\/revisions"}],"predecessor-version":[{"id":4457,"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/posts\/4456\/revisions\/4457"}],"wp:attachment":[{"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/media?parent=4456"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/categories?post=4456"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.denizliviphaber.com\/index.php\/wp-json\/wp\/v2\/tags?post=4456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}