{"id":9010,"date":"2024-09-23T18:12:06","date_gmt":"2024-09-23T15:12:06","guid":{"rendered":"https:\/\/yalovasondakika.com.tr\/?p=9010"},"modified":"2024-09-23T18:12:06","modified_gmt":"2024-09-23T15:12:06","slug":"enuygun-finans-is-gelistirme-muduru-erkam-adiyaman-politika-faizine-bagli-olarak-tl-vadeli-mevduat-onemli-bir-yatirim-araci-olmaya-devam-edecek","status":"publish","type":"post","link":"https:\/\/yalovasondakika.com.tr\/index.php\/2024\/09\/23\/enuygun-finans-is-gelistirme-muduru-erkam-adiyaman-politika-faizine-bagli-olarak-tl-vadeli-mevduat-onemli-bir-yatirim-araci-olmaya-devam-edecek\/","title":{"rendered":"ENUYGUN Finans \u0130\u015f Geli\u015ftirme M\u00fcd\u00fcr\u00fc Erkam Ad\u0131yaman Politika Faizine Ba\u011fl\u0131 olarak TL Vadeli Mevduat \u00d6nemli Bir Yat\u0131r\u0131m Arac\u0131 Olmaya Devam Edecek"},"content":{"rendered":"

T\u00fcketici kredileri, kredi kartlar\u0131 ve mevduat hesaplar\u0131yla\u00a0ilgili de\u011ferli de\u011ferlendirmelerde bulunan ENUYGUN Finans\u00a0\u0130\u015f Geli\u015ftirme M\u00fcd\u00fcr\u00fc Erkam Ad\u0131yaman: \u201c<\/strong>\u00d6n\u00fcm\u00fczdeki periyotta de konut ve ta\u015f\u0131t kredilerinin d\u00fc\u015f\u00fck d\u00fczeylerde kalmas\u0131 bekleniyor. Kredi kart\u0131 \u00f6demelerinde ise banka kampanyalar\u0131 ve taksitli kullan\u0131m tesiriyle adetsel ve hacimsel art\u0131\u015f s\u00fcrecektir. TL vadeli mevduat, siyaset faizlerinin seyrine ba\u011fl\u0131 olarak k\u0131ymetli bir yat\u0131r\u0131m arac\u0131 olmaya devam edecek\u201d dedi.<\/strong><\/em><\/p>\n

\u00a0<\/p>\n

ENUYGUN Finans, 2024 y\u0131l\u0131n\u0131n a\u011fustos ay\u0131 prestijiyle T\u00fcrkiye\u2019deki finansal piyasalar\u0131n hareketlili\u011fini inceledi. Ge\u00e7ti\u011fimiz y\u0131l\u0131n birebir periyoduna oranla yap\u0131lan k\u0131yaslamada, kredi hacimlerinde ve mevduat eserlerinde de\u011ferli de\u011fi\u015fimler g\u00f6zlendi. Sonu\u00e7lar, t\u00fcketici davran\u0131\u015flar\u0131n\u0131n enflasyon ve faiz oranlar\u0131ndan nas\u0131l etkilendi\u011fini de g\u00f6steriyor.<\/p>\n

BDDK’n\u0131n datalar\u0131na nazaran, A\u011fustos 2024 prestijiyle t\u00fcketici kredilerinde, ge\u00e7en y\u0131l\u0131n t\u0131pk\u0131 devrine k\u0131yasla y\u00fczde 25 oran\u0131nda art\u0131\u015f ya\u015fand\u0131. Fakat, a\u00e7\u0131klanan y\u0131ll\u0131k y\u00fczde 52’lik enflasyon oran\u0131 d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde bu art\u0131\u015f\u0131n ger\u00e7ek b\u00fcy\u00fcmenin epey gerisinde kald\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.\u00a0<\/p>\n

T\u00fcketici kredileri, kredi kartlar\u0131 ve mevduat hesaplar\u0131yla ilgili ayr\u0131nt\u0131l\u0131 de\u011ferlendirmelerde bulunan\u00a0ENUYGUN Finans \u0130\u015f Geli\u015ftirme M\u00fcd\u00fcr\u00fc Erkam Ad\u0131yaman,\u00a0\u201c\u0130htiya\u00e7 kredileri y\u00fczde 40\u2019l\u0131k bir b\u00fcy\u00fcme g\u00f6sterdi. G\u00fcnl\u00fck gereksinimler i\u00e7in kullan\u0131lan bu krediler, enflasyon oran\u0131yla k\u0131yasland\u0131\u011f\u0131nda toplam hacimde bir d\u00fc\u015f\u00fc\u015f ya\u015fanmakta. \u0130htiya\u00e7 kredilerindeki vade se\u00e7imlerinde k\u0131sa vadelerin tercih edildi\u011fini \u00a0\u00f6zellikle 12 ay ve alt\u0131ndaki vadelerin \u00f6ne \u00e7\u0131kt\u0131\u011f\u0131n\u0131 s\u00f6ylemek m\u00fcmk\u00fcn. \u00a0Konut kredilerinde ise y\u00fczde 2\u2019lik bir art\u0131\u015f ya\u015fand\u0131. Y\u00fcksek finansman maliyetlerinden \u00f6t\u00fcr\u00fc, \u00f6teki krediler \u00fczere konut kredilerinde de enflasyon oran\u0131na nazaran d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. T\u00fcketiciler, mesken sahibi olma s\u00fcrecinde daha temkinli hareket ediyor.\u00a0Konut ve gereksinim kredilerinde enflasyonu dahil etmedi\u011fimiz durumda art\u0131\u015f g\u00f6zlemlenirken, t\u0131pk\u0131 hesapla ta\u015f\u0131t kredilerinde y\u00fczde 9,5 oran\u0131nda bir d\u00fc\u015f\u00fc\u015f g\u00f6rebiliyoruz.\u201d Dedi.<\/em><\/p>\n

Kredi Kart\u0131 Kullan\u0131m\u0131 Y\u00fczde 14 Artt\u0131\u00a0<\/strong><\/p>\n

Ad\u0131yaman\u2019\u0131n verdi\u011fi bilgiye nazaran, Temmuz 2024 prestijiyle, kredi kart\u0131 adedi y\u00fczde 14 artarak 124 milyonu ge\u00e7ti. Kredi kart\u0131 ile \u00f6deme hacimlerinde ise y\u00fczde 94 oran\u0131nda bir b\u00fcy\u00fcme g\u00f6zlemlendi. Temass\u0131z \u00f6deme limitlerinin art\u0131r\u0131lmas\u0131n\u0131n, al\u0131\u015fveri\u015flerin y\u00fczde 80\u2019inin temass\u0131z form\u00fcllerle ger\u00e7ekle\u015ftirilmesine imkan sa\u011flarken bu e\u011filim gelecekte de devam edecek.\u00a0<\/p>\n

Aramalarda Faizsiz Nakit \u0130mkanlar\u0131 \u00d6ne \u00c7\u0131k\u0131yor<\/strong><\/p>\n

T\u00fcm dijital ortamlardaki arama hacimleri ve trafik bilgileri incelendi\u011finde, kullan\u0131c\u0131lar\u0131n kredi kategorilerindeki arama etkinliklerinin 2024 y\u0131l\u0131n\u0131n birinci 8 ay\u0131nda, bir evvelki y\u0131l\u0131n birebir devrine nazaran y\u00fczde 30 ile y\u00fczde 40 ortas\u0131nda d\u00fc\u015f\u00fck d\u00fczeylerde kald\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Kredi kartlar\u0131yla ilgili arama hacimlerinde y\u00fczde 6\u2019l\u0131k bir art\u0131\u015f ya\u015fan\u0131rken,\u00a0mevduat\u00a0aramalar\u0131ndaki hacmin y\u00fczde 30 oran\u0131nda y\u00fckseldi\u011fini belirten Ad\u0131yaman,\u00a0bankalar\u0131n yeni m\u00fc\u015fterilerine sundu\u011fu\u00a0faizsiz\u00a0nakit imkanlar\u0131na y\u00f6nelik kullan\u0131c\u0131 aramalar\u0131n\u0131n ge\u00e7en y\u0131la k\u0131yasla 2024 y\u0131l\u0131nda y\u00fczde 38 oran\u0131nda art\u0131\u015f g\u00f6sterdi\u011fini s\u00f6yledi.<\/em><\/p>\n

Y\u00fcksek Faiz Oranlar\u0131 TL Vadeli Hesaplar\u0131 Cazip K\u0131l\u0131yor<\/strong><\/p>\n

2024 y\u0131l\u0131ndaki y\u00fcksek faiz oranlar\u0131ndan \u00f6t\u00fcr\u00fc TL vadeli mevduat hesaplar\u0131n\u0131n \u00f6b\u00fcr yat\u0131r\u0131m ara\u00e7lar\u0131na nazaran daha inan\u00e7l\u0131 bir liman oldu\u011fu ve cazip yat\u0131r\u0131m se\u00e7ene\u011fi haline geldi\u011fini vurgulayan Ad\u0131yaman, kelamlar\u0131n\u0131 \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc: \u201cT\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) siyaset faizinin, 2024 y\u0131l\u0131n\u0131n geri kalan\u0131nda ve \u00f6n\u00fcm\u00fczdeki y\u0131l i\u00e7erisinde de yeniden ge\u00e7ti\u011fimiz y\u0131llara k\u0131yasla y\u00fcksek d\u00fczeylerde olmas\u0131 bekleniyor. Bu durumda kullan\u0131c\u0131lar, acil nakit muhta\u00e7l\u0131klar\u0131 i\u00e7in yine\u00a0ihtiya\u00e7\u00a0kredisini<\/u>\u00a0tercih edecektir. Lakin bu kredilerin kullan\u0131m hacminin enflasyon oran\u0131n\u0131n alt\u0131nda kalmas\u0131 m\u00fcmk\u00fcn.\u201d<\/em><\/p>\n

Ad\u0131yaman, son olarak \u015fu de\u011ferlendirmelerde bulundu: \u201c\u00d6n\u00fcm\u00fczdeki periyotlar\u0131 k\u0131ymetlendirecek olursak konut ve ta\u015f\u0131t kredilerinin hacminin d\u00fc\u015f\u00fck d\u00fczeylerde kalmas\u0131 bekleniyor. Kredi kart\u0131 \u00f6demelerinde ise bankalar\u0131n kampanyalar\u0131 ve taksitli kullan\u0131m tesiriyle adetsel ve hacimsel art\u0131\u015f s\u00fcrecektir. TL vadeli mevduat, siyaset faizlerinin seyrine ba\u011fl\u0131 olarak k\u0131ymetli bir yat\u0131r\u0131m arac\u0131 olmaya devam edecek. ENUYGUN Finans olarak, bankac\u0131l\u0131k eserleriyle ilgili kullan\u0131c\u0131lar\u0131m\u0131za farkl\u0131 tahliller sunmay\u0131 s\u00fcrd\u00fcrece\u011fiz. Bankalar\u0131 dola\u015fmak yerine, tek bir platformda t\u00fcm bankac\u0131l\u0131k eserleri i\u00e7in hem kullan\u0131c\u0131lar\u0131m\u0131za m\u00fcracaat imkan\u0131 sa\u011flayacak hem de bu alanda finansal teknoloji b\u00f6l\u00fcm\u00fcne katk\u0131 sunacak \u00e7al\u0131\u015fmalar\u0131m\u0131za devam etmeyi planl\u0131yoruz. Misyonumuz, en \u015fimdiki eserleri hakikat vakitte kullan\u0131c\u0131lara ula\u015ft\u0131rmak ve finansal okuryazarl\u0131\u011f\u0131 art\u0131rmaya y\u00f6nelik \u00e7al\u0131\u015fmalar\u0131m\u0131za y\u00fck vermektir. 2025 y\u0131l\u0131nda da kullan\u0131c\u0131lar\u0131m\u0131z\u0131 merkeze alarak faaliyetlerimize t\u00fcm s\u00fcratimizle devam edece\u011fiz.\u201d<\/em><\/p>\n

Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u00fcketici kredileri, kredi kartlar\u0131 ve mevduat hesaplar\u0131yla\u00a0ilgili k\u0131ymetli de\u011ferlendirmelerde bulunan ENUYGUN Finans\u00a0\u0130\u015f Geli\u015ftirme M\u00fcd\u00fcr\u00fc Erkam Ad\u0131yaman: \u201c\u00d6n\u00fcm\u00fczdeki devirde de konut ve ta\u015f\u0131t kredilerinin d\u00fc\u015f\u00fck d\u00fczeylerde kalmas\u0131 bekleniyor.<\/p>\n","protected":false},"author":1,"featured_media":9011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[1265,1060,1887,563,21],"class_list":["post-9010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-artis","tag-faiz","tag-finans","tag-kredi","tag-mevduat"],"_links":{"self":[{"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/9010"}],"collection":[{"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=9010"}],"version-history":[{"count":1,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/9010\/revisions"}],"predecessor-version":[{"id":9012,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/9010\/revisions\/9012"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/media\/9011"}],"wp:attachment":[{"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=9010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=9010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yalovasondakika.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=9010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}