{"id":92,"date":"2023-11-26T21:22:45","date_gmt":"2023-11-26T21:22:45","guid":{"rendered":"https:\/\/bankagundem.com\/?p=92"},"modified":"2024-06-08T21:04:05","modified_gmt":"2024-06-08T21:04:05","slug":"faiz-artmaya-devam-eder-mi","status":"publish","type":"post","link":"https:\/\/bankagundem.com\/?p=92","title":{"rendered":"Faiz Artmaya Devam Eder mi?"},"content":{"rendered":"<div class=\"markdown markdown-main-panel\" dir=\"ltr\">\n<p data-sourcepos=\"3:1-3:253\">Faizler, paran\u0131n de\u011ferini \u00f6l\u00e7en bir g\u00f6stergedir. Faiz oranlar\u0131n\u0131n artmas\u0131, paran\u0131n de\u011ferini d\u00fc\u015f\u00fcr\u00fcr ve bu da kredi maliyetlerinin artmas\u0131na neden olur. Faiz oranlar\u0131n\u0131n d\u00fc\u015fmesi ise paran\u0131n de\u011ferini y\u00fckseltir ve kredi maliyetlerinin d\u00fc\u015fmesine neden olur.<\/p>\n<p data-sourcepos=\"5:1-5:224\">Faiz oranlar\u0131, merkez bankalar\u0131 taraf\u0131ndan belirlenir. Merkez bankalar\u0131, enflasyonla m\u00fccadele etmek, ekonomik b\u00fcy\u00fcmeyi te\u015fvik etmek veya finansal istikrar\u0131 sa\u011flamak gibi hedefleri do\u011frultusunda faiz oranlar\u0131n\u0131 de\u011fi\u015ftirirler.<\/p>\n<p data-sourcepos=\"7:1-7:101\"><strong>2023 y\u0131l\u0131 itibar\u0131yla, faizler artmaya devam etme olas\u0131l\u0131\u011f\u0131 y\u00fcksektir.<\/strong> Bunun birka\u00e7 nedeni vard\u0131r:<\/p>\n<ul data-sourcepos=\"9:1-10:0\">\n<li style=\"list-style-type: none;\">\n<ul data-sourcepos=\"9:1-10:0\">\n<li data-sourcepos=\"9:1-10:0\"><strong>D\u00fcnya genelinde enflasyon y\u00fcksek seyretmektedir.<\/strong> ABD&#8217;de enflasyon, Eyl\u00fcl 2023&#8217;te %8,6 ile 40 y\u0131l\u0131n en y\u00fcksek seviyesine ula\u015ft\u0131. Avrupa Birli\u011fi&#8217;nde enflasyon da %8,6 ile rekor seviyeye \u00e7\u0131kt\u0131. T\u00fcrkiye&#8217;de enflasyon ise Eyl\u00fcl 2023&#8217;te %78,62 ile 20 y\u0131l\u0131n en y\u00fcksek seviyesinde ger\u00e7ekle\u015fti.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"attachment-container search-images\"><\/div>\n<ul data-sourcepos=\"17:1-18:0\">\n<li style=\"list-style-type: none;\">\n<ul data-sourcepos=\"17:1-18:0\">\n<li data-sourcepos=\"17:1-18:0\"><strong>Merkez bankalar\u0131, enflasyonla m\u00fccadele etmek i\u00e7in faiz art\u0131r\u0131mlar\u0131na devam ediyor.<\/strong> ABD Merkez Bankas\u0131 (Fed), Eyl\u00fcl 2023&#8217;te faiz oran\u0131n\u0131 0,75 puan art\u0131rarak %4,25-4,50 aral\u0131\u011f\u0131na \u00e7\u0131kard\u0131. Avrupa Merkez Bankas\u0131 (ECB), Temmuz 2023&#8217;te faiz oran\u0131n\u0131 0,25 puan art\u0131rarak %0,50&#8217;ye \u00e7\u0131kard\u0131. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), Eyl\u00fcl 2023&#8217;te faiz oran\u0131n\u0131 250 baz puan art\u0131rarak %37,50&#8217;ye \u00e7\u0131kard\u0131.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div class=\"attachment-container search-images\"><\/div>\n<p data-sourcepos=\"25:1-25:204\">Bu fakt\u00f6rler g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda, merkez bankalar\u0131 enflasyonla m\u00fccadele etmek i\u00e7in faiz art\u0131r\u0131mlar\u0131na devam edecek gibi g\u00f6r\u00fcn\u00fcyor. Bu da faiz oranlar\u0131n\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nemde de artaca\u011f\u0131 anlam\u0131na geliyor.<\/p>\n<p data-sourcepos=\"27:1-27:229\"><strong>Ancak, faizler artmaya devam ederse, bunun ekonomi \u00fczerinde olumsuz etkileri olabilir.<\/strong> Faiz oranlar\u0131n\u0131n artmas\u0131, kredi maliyetlerini art\u0131rarak yat\u0131r\u0131m ve t\u00fcketimi yava\u015flatabilir. Bu da ekonomik b\u00fcy\u00fcmeyi olumsuz etkileyebilir.<\/p>\n<p data-sourcepos=\"29:1-29:158\">Dolay\u0131s\u0131yla, merkez bankalar\u0131 faiz art\u0131r\u0131mlar\u0131n\u0131 ne kadar s\u00fcrd\u00fcrece\u011fi, enflasyonla m\u00fccadele ile ekonomik b\u00fcy\u00fcme aras\u0131ndaki dengeyi g\u00f6zeterek karar verecektir.<\/p>\n<p data-sourcepos=\"31:1-31:27\"><strong>Faizler ne kadar artar?<\/strong><\/p>\n<p data-sourcepos=\"33:1-33:243\">Faizler ne kadar artaca\u011f\u0131, enflasyonun seyrine ve merkez bankalar\u0131n\u0131n politikalar\u0131na ba\u011fl\u0131d\u0131r. Enflasyon y\u00fcksek seyretmeye devam ederse, merkez bankalar\u0131 faiz art\u0131r\u0131mlar\u0131n\u0131 s\u00fcrd\u00fcrmek zorunda kalabilirler. Bu durumda, faizler daha da artabilir.<\/p>\n<p data-sourcepos=\"35:1-35:173\">Ancak, enflasyon d\u00fc\u015fmeye ba\u015flarsa, merkez bankalar\u0131 faiz art\u0131r\u0131mlar\u0131n\u0131 yava\u015flatabilir veya durdurabilirler. Bu durumda, faizler daha fazla artmayabilir veya hatta d\u00fc\u015febilir.<\/p>\n<p data-sourcepos=\"37:1-37:167\"><strong>Sonu\u00e7 olarak, faizler artmaya devam etme olas\u0131l\u0131\u011f\u0131 y\u00fcksektir. Ancak, faizler ne kadar artaca\u011f\u0131, enflasyonun seyrine ve merkez bankalar\u0131n\u0131n politikalar\u0131na ba\u011fl\u0131d\u0131r.<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Faizler, paran\u0131n de\u011ferini \u00f6l\u00e7en bir g\u00f6stergedir. Faiz oranlar\u0131n\u0131n artmas\u0131, paran\u0131n de\u011ferini d\u00fc\u015f\u00fcr\u00fcr ve bu da kredi maliyetlerinin artmas\u0131na neden olur. Faiz oranlar\u0131n\u0131n d\u00fc\u015fmesi ise paran\u0131n de\u011ferini y\u00fckseltir ve kredi maliyetlerinin d\u00fc\u015fmesine neden olur. Faiz oranlar\u0131, merkez bankalar\u0131 taraf\u0131ndan belirlenir. Merkez bankalar\u0131, enflasyonla m\u00fccadele etmek, ekonomik b\u00fcy\u00fcmeyi te\u015fvik etmek veya finansal istikrar\u0131 sa\u011flamak gibi hedefleri do\u011frultusunda &hellip;<\/p>\n","protected":false},"author":2,"featured_media":93,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-92","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankalar"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts\/92","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=92"}],"version-history":[{"count":1,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts\/92\/revisions"}],"predecessor-version":[{"id":1653,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/posts\/92\/revisions\/1653"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=\/wp\/v2\/media\/93"}],"wp:attachment":[{"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=92"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=92"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankagundem.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=92"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}