Ba\u015fbakan Erdo\u011fan\u2019\u0131n vatanda\u015f\u0131 \u2018almay\u0131n\u2019 diye uyard\u0131\u011f\u0131 kredi kart\u0131ndan bankalar, y\u0131l\u0131n ilk be\u015f ay\u0131nda 5 milyar lira gelir elde etti. Bankalar\u0131n komisyon ve \u00fccretlerden olu\u015fan faiz d\u0131\u015f\u0131 gelirleri de 11 milyon liraya ula\u015ft\u0131.<\/strong><\/p>\n

<\/strong>Ba\u015fbakan Recep Tayyip Erdo\u011fan\u2019\u0131n vatanda\u015f\u0131 \u2018almay\u0131n\u2019 diye uyard\u0131\u011f\u0131 kredi kartlar\u0131 bankalar\u0131n k\u00e2r\u0131na k\u00e2r katt\u0131. Bankalar sadece bu y\u0131l\u0131n 5 ayl\u0131k d\u00f6neminde kredi kart\u0131ndan 5 milyar lira gelir sa\u011flad\u0131. Bankalar bu geliri kredi kart\u0131ndan ald\u0131klar\u0131 aidat ve uygulad\u0131klar\u0131 y\u00fcksek faiz sayesinde sa\u011flad\u0131. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re, May\u0131s 2013 tarihi itibariyle kredi kartlar\u0131ndan al\u0131nan faiz tutar\u0131 2 milyar 797 milyon TL oldu. Bankalar\u0131n di\u011fer faiz d\u0131\u015f\u0131 gelir kaleminden elde ettikleri be\u015f ayl\u0131k rakam 2 milyar 948 milyon liray\u0131 bulurken, bunun da \u00f6nemli bir b\u00f6l\u00fcm\u00fc kredi kartlar\u0131ndan y\u0131ll\u0131k aidat gibi al\u0131nan \u00fccretlerden olu\u015ftu.<\/p>\n

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Kart borcu 78 milyar lira<\/strong><\/p>\n
Ba\u015fbakan Erdo\u011fan da \u015fehit yak\u0131nlar\u0131 ve gazilerle bir araya geldi\u011fi \u00f6nceki ak\u015fam iftarda yapt\u0131\u011f\u0131 konu\u015fmada, ismini vermeden sadece bir bankan\u0131n karttan kazand\u0131\u011f\u0131 paran\u0131n y\u0131ll\u0131k 600 trilyon lira oldu\u011funu belirterek, \u201cOynanan oyunu hep beraber bozmal\u0131y\u0131z. Herkes aya\u011f\u0131n\u0131 yorgan\u0131na g\u00f6re uzatmay\u0131 \u00f6\u011frenirse o zaman bunlar (bankalar) bu paray\u0131 elde edemeyecek\u201d dedi. Bankalararas\u0131 Kart Merkezi (BKM) verilerine g\u00f6re May\u0131s 2013 tarihi itibariyle T\u00fcrkiye\u2019de 95.1 milyon adet banka kart\u0131, 56.4 milyon adet de kredi kart\u0131 bulunuyor. BDDK verilerine g\u00f6re, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn toplam kredi hacmi, 5 Temmuz itibariyle y\u00fczde 0.18 artarak 937 milyar 155 milyon liraya ula\u015ft\u0131. T\u00fcketici kredilerinin tutar\u0131 225 milyar 305 milyon liraya \u00e7\u0131karken, bankalar\u0131n bireysel kredi kartlar\u0131 alacak tutar\u0131 ise 78 milyar 225 milyon lira. Bankalar\u0131n taksitli bireysel kredi kart\u0131 alacak tutar\u0131 44 milyar 256 milyon lira, taksitsiz bireysel kredi kart\u0131 alacak tutar\u0131 ise 33 milyar 969 milyon lira.<\/p>\n
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$\"\"$ <\/p>\n
Mezarlar\u0131ndan ta\u015fan para 11 milyar liraya ula\u015ft\u0131<\/strong><\/p>\n
Ba\u015fbakan Recep Tayyip Erdo\u011fan\u2019\u0131n bankalar\u0131 ele\u015ftirirken \u201cAllah a\u015fk\u0131na faizden elde etti\u011fin gelir tamam, fakat bu faiz d\u0131\u015f\u0131 gelirden elde ettin paray\u0131 g\u00f6m\u00fclece\u011fin mezar\u0131 doldurmaya kalksak almaz\u201d dedi\u011fi paran\u0131n miktar\u0131 5 ayda 11 milyar liraya ula\u015ft\u0131. Havale, EFT, kredi kart\u0131 y\u0131ll\u0131k \u00fccreti gibi kalemlerden ge\u00e7en y\u0131l 19.2 milyar lira gelir elde eden bankac\u0131l\u0131k sekt\u00f6r\u00fc 2013 y\u0131l\u0131nda da kasas\u0131n\u0131 doldurdu. BDDK verilerine g\u00f6re sekt\u00f6r\u00fcn y\u0131l\u0131n ilk be\u015f ayl\u0131k d\u00f6neminde faiz d\u0131\u015f\u0131 kalemlerden elde ettikleri gelir miktar\u0131 11 milyar liray\u0131 buldu. Ocak-May\u0131s 2013 d\u00f6neminde nakdi kredilerden 1.4 milyar lira \u00fccret ve komisyon al\u0131n\u0131rken, EFT ve havale gibi bankac\u0131l\u0131k hizmet gelirleri ise 6.8 milyar lira oldu. Di\u011fer faiz d\u0131\u015f\u0131 gelir ad\u0131 alt\u0131nda elde ettikleri rakam ise 2.9 milyar liray\u0131 buldu.<\/p>\n
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Varl\u0131k \u015firketleri akrabalar\u0131 bile tehdit ediyor<\/strong><\/p>\n
Vatanda\u015f sadece bankalarla u\u011fra\u015fm\u0131yor. Bankalar\u0131n kredi kart\u0131 bor\u00e7lar\u0131n\u0131 tahsil edemediklerinde alacaklar\u0131n\u0131 devrettikleri varl\u0131k y\u00f6netim \u015firketleride vatanda\u015fa g\u00f6z a\u00e7t\u0131rtm\u0131yor. Vatanda\u015f\u0131n pe\u015fine d\u00fc\u015fen bu \u015firketler \u00e7e\u015fitli tehdit ve tacizlerde bulunuyor. T\u00fcketiciler Birli\u011fi Y\u00f6netim Kurulu \u00dcyesi Mehmet \u0130mrek bir \u015firketin bor\u00e7lusunun akrabalar\u0131n\u0131n telefonuna ula\u015f\u0131p \u201cAkraban\u0131z borcunu \u00f6desin yoksa sizden al\u0131r\u0131z\u201d diye mobing uygulad\u0131\u011f\u0131na dikkat \u00e7ekti. Bankalar kredi kart\u0131 borcunu devir ettikten sonra bunu vergiden de d\u00fc\u015f\u00fcyor. Bug\u00fcn \u0130stanbul\u2019da bulunan 35 icra dairesinin \u00e7o\u011funlu\u011funda banka bor\u00e7lar\u0131na y\u00f6nelik i\u015flem var.<\/p>\n
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10 milyon ki\u015fi asgari \u00f6deme tuza\u011f\u0131nda<\/strong><\/p>\n
Bankalar kredi kart\u0131nda uygulad\u0131klar\u0131 faiz, aidat ve \u00e7e\u015fitli oyunlarla gelirlerine gelir katarken, vatanda\u015f\u0131n ma\u011fduriyeti de her ge\u00e7en g\u00fcn art\u0131yor. Merkez Bankas\u0131 verilerine g\u00f6re 1.5 milyon ki\u015fi kredi kart\u0131 borcunu \u00f6deyemezken, milyonlarca vatanda\u015f\u0131n asgari \u00f6deme ile ayakta kald\u0131\u011f\u0131 ortaya \u00e7\u0131kt\u0131. T\u00fcketici Haklar\u0131 Derne\u011fi Ba\u015fkan\u0131 Turhan \u00c7akar, \u015fu anda 10 milyondan fazla kredi kart\u0131 sahibinin asgari \u00f6deme tuza\u011f\u0131nda oldu\u011funu s\u00f6yledi. \u00c7akar\u2019\u0131n verdi\u011fi bilgilere g\u00f6re bu rakam aile bireyleri ile birlikte 20 milyona ula\u015f\u0131yor. Asgari \u00f6deme tuza\u011f\u0131na d\u00fc\u015fen veya borcunu \u00f6demeyen vatanda\u015flar ise tefeciden finansman bulma yoluna gidiyor. Banka korkusundan adresini de\u011fi\u015ftiren binlerce vatanda\u015f ise de\u015fifre olmamak i\u00e7in ad\u0131n\u0131n a\u00e7\u0131klanmas\u0131n\u0131 istemiyor.<\/p>\n
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\u0130ntihar edenler de var<\/strong><\/p>\n
Y\u00fcksek faizler sebebiyle borcu katlanan baz\u0131 vatanda\u015flar\u0131n ise intihar etti\u011fi de kamuoyuna yans\u0131m\u0131\u015ft\u0131. Bin lira kredi kart\u0131 faizi y\u00fczde 30 bile\u015fik faizle birlikte y\u0131l sonunda bin 300 liray\u0131 buluyor. Bin lira i\u00e7in bireysel kredi kullan\u0131lmas\u0131 halinde vatanda\u015f\u0131n cebinden \u00e7\u0131kacak rakam ise 1.100 TL. Vatanda\u015f\u0131n y\u00fcksek faizlerle asgari \u00f6deme tuza\u011f\u0131na d\u00fc\u015f\u00fcr\u00fcld\u00fc\u011f\u00fcn\u00fc aktaran \u00c7akar, Merkez Bankas\u0131\u2019n\u0131n da faizleri d\u00fc\u015f\u00fcrmeyerek firmalardan yana tav\u0131r ald\u0131\u011f\u0131n\u0131 s\u00f6yledi. Merkez Bankas\u0131 taraf\u0131ndan kredi kartlar\u0131na uygulanacak en y\u00fcksek ayl\u0131k akdi faiz oran\u0131 y\u00fczde 2.12 olarak a\u00e7\u0131klan\u0131rken, en y\u00fcksek ayl\u0131k gecikme faizi oran\u0131 ise y\u00fczde 2.62. Bankalar gecikme zamm\u0131nda tavan oran \u00fczerinden i\u015flem yap\u0131yor. Vatanda\u015f\u0131n isminin a\u00e7\u0131klanmas\u0131n\u0131 istemedi\u011fini ifade eden T\u00fcketiciler Birli\u011fi Y\u00f6netim Kurulu \u00dcyesi Mehmet \u0130mrek ise 54.5 milyon kredi kart\u0131 oldu\u011funu belirterek bunun 27 milyonunun aktif kullan\u0131mda oldu\u011funu belirtiyor. Kredi kart\u0131 gecikme faizleri ile reel ekonomideki rakamlar\u0131n uyu\u015fmad\u0131\u011f\u0131na dikkat \u00e7eken \u0130mrek, faizlerin y\u00fczde 1.6 seviyesine gerilemesi gerekti\u011fini ifade ediyor.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Ba\u015fbakan Erdo\u011fan\u2019\u0131n vatanda\u015f\u0131 \u2018almay\u0131n\u2019 diye uyard\u0131\u011f\u0131 kredi kart\u0131ndan bankalar, y\u0131l\u0131n ilk be\u015f ay\u0131nda 5 milyar lira gelir elde etti. Bankalar\u0131n komisyon ve \u00fccretlerden olu\u015fan faiz d\u0131\u015f\u0131 gelirleri de 11 milyon liraya ula\u015ft\u0131. Ba\u015fbakan Recep Tayyip Erdo\u011fan\u2019\u0131n vatanda\u015f\u0131 \u2018almay\u0131n\u2019 diye uyard\u0131\u011f\u0131 kredi kartlar\u0131 bankalar\u0131n k\u00e2r\u0131na k\u00e2r katt\u0131. Bankalar sadece bu y\u0131l\u0131n 5 ayl\u0131k d\u00f6neminde kredi […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-46019","post","type-post","status-publish","format-standard","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/46019","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=46019"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/46019\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=46019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=46019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=46019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}