{"id":12276,"date":"2024-09-22T09:48:06","date_gmt":"2024-09-22T09:48:06","guid":{"rendered":"https:\/\/kamucalisanlari.net\/?p=12276"},"modified":"2024-09-22T09:48:06","modified_gmt":"2024-09-22T09:48:06","slug":"bddk-bireysel-ve-konut-kredilerindeki-ek-risk-agirliklari-kaldirildi","status":"publish","type":"post","link":"https:\/\/kamucalisanlari.net\/index.php\/2024\/09\/22\/bddk-bireysel-ve-konut-kredilerindeki-ek-risk-agirliklari-kaldirildi\/","title":{"rendered":"BDDK: Bireysel ve konut kredilerindeki ek risk a\u011f\u0131rl\u0131klar\u0131 kald\u0131r\u0131ld\u0131"},"content":{"rendered":"<div>\n<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, bankalar\u0131n sermaye yeterlili\u011fi hesaplamas\u0131nda yeni kararlar al\u0131nd\u0131.<\/p>\n<p>Kurum taraf\u0131ndan yap\u0131lan a\u00e7\u0131klamada, finansal piyasalarda g\u00fcven ve istikrar\u0131n sa\u011flanmas\u0131 ve kredi sisteminin etkin bir \u015fekilde \u00e7al\u0131\u015fmas\u0131 amac\u0131yla al\u0131nan koordineli makro ihtiyati tedbirler kapsam\u0131nda, bankalar\u0131n sermaye yeterlili\u011fi hesaplamalar\u0131nda bireysel kredilere ve konut kredilerine uluslararas\u0131 minimum standartlara oranla daha ihtiyatl\u0131 risk a\u011f\u0131rl\u0131klar\u0131n\u0131n uyguland\u0131\u011f\u0131 hat\u0131rlat\u0131ld\u0131.<\/p>\n<p>A\u00e7\u0131klamada \u015fu ifadeler yer ald\u0131:<\/p>\n<p>&#8220;T\u00fcketicilere kulland\u0131r\u0131lan binek ara\u00e7 edinimi ama\u00e7l\u0131 ta\u015f\u0131t kredileri ile ta\u015f\u0131t teminatl\u0131 kredilerine ve yap\u0131lacak finansal kiralama i\u015flemlerine, ihtiya\u00e7 kredilerine, bireysel kredi kartlar\u0131n ve t\u00fcketicinin kendisinin, e\u015finin veya 18 ya\u015f <b>alt\u0131nda<\/b>ki \u00e7ocuklar\u0131n\u0131n malik oldu\u011fu en az bir konutunun bulunmas\u0131 halinde bu ki\u015filere konut edinmeleri amac\u0131yla kulland\u0131r\u0131lan ikamet ama\u00e7l\u0131 gayrimenkul ipote\u011fi ile teminatland\u0131r\u0131lan kredilere ili\u015fkin daha ihtiyatl\u0131 risk a\u011f\u0131rl\u0131klar\u0131n\u0131n belirlendi\u011fi 31\/7\/2023 tarihli ve 10630 say\u0131l\u0131 Kurul Karar\u0131 ile 24\/8\/2023 tarihli ve 10655 say\u0131l\u0131 Kurul Karar\u0131n\u0131n ilga edilip s\u00f6z konusu kredilere Y\u00f6netmelikte belirlenen risk a\u011f\u0131rl\u0131klar\u0131n\u0131n uygulanmas\u0131na karar verilmi\u015ftir.&#8221;<\/p>\n<\/div>\n<\/p>\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">https:\/\/www.bloomberght.com\/bddk-bireysel-ve-konut-kredilerindeki-ek-risk-agirliklari-kaldirildi-2360740<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, bankalar\u0131n sermaye yeterlili\u011fi hesaplamas\u0131nda bireysel kredilere ve konut kredilerine uygulanan ilave risk a\u011f\u0131rl\u0131klar\u0131n\u0131 kald\u0131rd\u0131.<\/p>\n","protected":false},"author":1,"featured_media":12277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[274],"manset":[],"class_list":["post-12276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-kredi"],"_links":{"self":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/12276","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/comments?post=12276"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/12276\/revisions"}],"predecessor-version":[{"id":12278,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/posts\/12276\/revisions\/12278"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media\/12277"}],"wp:attachment":[{"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/media?parent=12276"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/categories?post=12276"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/tags?post=12276"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/kamucalisanlari.net\/index.php\/wp-json\/wp\/v2\/manset?post=12276"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}