ARTAN kredi faizi, y\u00fckselen fiyatlar ve gerileyen al\u0131m g\u00fcc\u00fc ev ve ara\u00e7 sahibi olmay\u0131 zorla\u015ft\u0131r\u0131rken; t\u00fcketici, \u00e7\u00f6z\u00fcm\u00fc tasarruf finansman modelinde buldu. Faizsiz ev, i\u015fyeri ve ara\u00e7 almay\u0131 sa\u011flayan model, ge\u00e7mi\u015fte faiz hassasiyeti olanlar\u0131n ilgi oda\u011f\u0131yd\u0131, bug\u00fcn \u00e7ok daha geni\u015f bir kesime yay\u0131ld\u0131.<\/p>\n
H\u0131zla b\u00fcy\u00fcyen sistemde k\u0131r\u0131lma 2021\u2019de ya\u015fand\u0131. T\u00fcketicileri korumak i\u00e7in devreye giren Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) yasal d\u00fczenleme yapt\u0131, o d\u00f6nem 21 \u015firket tasfiye edilirken 6 firmaya faaliyet izni verildi. Bug\u00fcn ise sekt\u00f6rdeki firma say\u0131s\u0131 9\u2019a \u00e7\u0131kt\u0131. Sistemi b\u00fcy\u00fcten ikinci \u00f6nemli ad\u0131m ise ge\u00e7en y\u0131l Emlak Kat\u0131l\u0131m Bankas\u0131\u2019ndan geldi. T\u00fcrkiye\u2019de ilk kez bir kamu bankas\u0131 yani Emlak Kat\u0131l\u0131m Bankas\u0131, tasarruf finansman sekt\u00f6r\u00fcne kat\u0131ld\u0131. B\u00f6ylece t\u00fcketici cephesinde g\u00fcven tazelendi.<\/p>\n
\u0130\u015eLEM HACM\u0130 %262 B\u00dcY\u00dcD\u00dc<\/p>\n
Son aylarda ilginin katlanarak artt\u0131\u011f\u0131 sistemde rakamlar\u0131 Finansal Kurumlar Birli\u011fi (FKB) Tasarruf Finansman Sekt\u00f6r\u00fc Temsil Kurulu Ba\u015fkan\u0131 Ahmet \u00d6zcan\u2019a sorduk. \u00d6zcan\u2019\u0131n verdi\u011fi bilgilere g\u00f6re:<\/p>\n
2023 y\u0131l\u0131nda 370 bin 445 m\u00fc\u015fteri bu modelle ev, ara\u00e7 ya da \u00e7at\u0131l\u0131 i\u015fyeri almak amac\u0131yla sistemde yer ald\u0131. \u0130\u015flem hacmi ise yakla\u015f\u0131k 84 milyar TL idi.<\/p>\n
2024 y\u0131l\u0131nda m\u00fc\u015fteri say\u0131s\u0131…<\/p>\n","protected":false},"excerpt":{"rendered":"
Artan faizler ve fiyatlar nedeniyle ev, ara\u00e7 alman\u0131n giderek zorla\u015fmas\u0131 tasarruf finansman sekt\u00f6r\u00fcne talebi tetikledi. Kamu bankas\u0131n\u0131n da dahil olmas\u0131yla…<\/p>\n","protected":false},"author":2,"featured_media":3874,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,6,5],"tags":[],"class_list":["post-3875","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arsiv","category-gundem","category-son-dakika"],"_links":{"self":[{"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=\/wp\/v2\/posts\/3875","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3875"}],"version-history":[{"count":0,"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=\/wp\/v2\/posts\/3875\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=\/wp\/v2\/media\/3874"}],"wp:attachment":[{"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3875"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3875"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eskigazeteci.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3875"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}