Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan Ocak ay\u0131nda duyurulan yeni kredi kart\u0131 limiti d\u00fczenlemeleri y\u00fcr\u00fcrl\u00fc\u011fe girdi. Finansal istikrar\u0131 g\u00fc\u00e7lendirme hedefiyle at\u0131lan bu ad\u0131mlar, \u00f6zellikle y\u00fcksek limitli kredi kart\u0131 sahiplerini yak\u0131ndan ilgilendiriyor. D\u00fczenlemeler kapsam\u0131nda, 400 bin TL \u00fczerindeki kredi kart\u0131 limitlerine k\u0131s\u0131tlamalar getirildi.<\/p>\n
A\u00e7\u0131klanan detaylara g\u00f6re, toplam kredi kart\u0131 limiti 400 bin TL ile 750 bin TL aras\u0131nda olan kartlarda limitler y\u00fczde 50 oran\u0131nda d\u00fc\u015f\u00fcr\u00fclecek. Ancak, BDDK’n\u0131n bankalara g\u00f6nderdi\u011fi talimat yaz\u0131s\u0131yla, e\u011fitim ve sa\u011fl\u0131k harcamalar\u0131 bu k\u0131s\u0131tlamalar\u0131n d\u0131\u015f\u0131nda tutulacak; bu alanlardaki harcamalar istisna kapsam\u0131nda de\u011ferlendirilecek.<\/p>\n
Uygulama bug\u00fcn itibar\u0131yla resmen ba\u015flad\u0131. Bankalar\u0131n sistemsel altyap\u0131lar\u0131n\u0131 ve operasyonel s\u00fcre\u00e7lerini bu yeni d\u00fczenlemelere uygun hale getirmeleri i\u00e7in BDDK taraf\u0131ndan 3 ayl\u0131k bir s\u00fcre tan\u0131nd\u0131.<\/p>\n
BDDK, 30 Ocak’ta kamuoyuyla payla\u015ft\u0131\u011f\u0131 makro ihtiyati \u00f6nlemlerin daha iyi anla\u015f\u0131lmas\u0131 amac\u0131yla detayl\u0131 bir a\u00e7\u0131klama yapm\u0131\u015ft\u0131. Bu kararlar\u0131n al\u0131nmas\u0131nda, Sanal Ortamda Yasa D\u0131\u015f\u0131 Bahis, \u015eans Oyunlar\u0131 ve Kumarla M\u00fccadele Eylem Plan\u0131 (31.10.2025 tarihli ve 2025\/18 say\u0131l\u0131 Cumhurba\u015fkanl\u0131\u011f\u0131 Genelgesi) \u00e7er\u00e7evesinde BDDK’ya verilen g\u00f6revler ve 21.01.2024 tarihli Finansal \u0130stikrar Komitesi toplant\u0131s\u0131ndaki de\u011ferlendirmeler etkili oldu.<\/p>\n
A\u00e7\u0131klamada, d\u00fczenlemelerin temel amac\u0131n\u0131n finansal istikrar\u0131 g\u00fc\u00e7lendirmek oldu\u011fu vurguland\u0131. Bu hedefe ula\u015f\u0131l\u0131rken, t\u00fcketicinin korunmas\u0131, alt gelir gruplar\u0131n\u0131n desteklenmesi, yasa d\u0131\u015f\u0131 bahisle m\u00fccadele ve uluslararas\u0131 d\u00fczenlemelere uyum gibi fakt\u00f6rlerin de g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011fu belirtildi. Kararlar\u0131n, Hazine ve Maliye Bakanl\u0131\u011f\u0131 ile T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) ile koordinasyon i\u00e7inde bir paket halinde al\u0131nd\u0131\u011f\u0131 ifade edildi.<\/p>\n
M\u00fc\u015fteri ma\u011fduriyetinin \u00f6n\u00fcne ge\u00e7mek amac\u0131yla, son bir y\u0131ll\u0131k harcamalar\u0131n dikkate al\u0131nd\u0131\u011f\u0131 ve harcaman\u0131n en y\u00fcksek oldu\u011fu aydaki limitin belirli bir oranda azalt\u0131lmas\u0131 kural\u0131n\u0131n getirildi\u011fi bildirildi. Ayr\u0131ca, 400 bin TL kredi kart\u0131 limiti olan bir kart kullan\u0131c\u0131s\u0131n\u0131n limitlerinde herhangi bir kesintiye gidilmeyece\u011finin alt\u0131 \u00e7izildi. Bireysel kredi kart\u0131 kullan\u0131c\u0131lar\u0131n\u0131n gelirlerini teyit etmek suretiyle gelirlerinin 4 kat\u0131na kadar kredi kart\u0131 limiti kullanmalar\u0131nda bir engel bulunmad\u0131\u011f\u0131 da eklendi.<\/p>\n
Kredili Mevduat Hesab\u0131 (KMH) d\u00fczenlemeleri a\u00e7\u0131s\u0131ndan ise, e\u011fitim \u00f6demeleri amac\u0131yla bireysel m\u00fc\u015fterilere tan\u0131nan KMH limitlerinin bu limitlere ili\u015fkin s\u0131n\u0131rlamadan muaf tutuldu\u011fu bilgisi payla\u015f\u0131ld\u0131. BDDK, bankalara, kredi kart\u0131 limitlerine ili\u015fkin yeni d\u00fczenlemelerin uygulanmas\u0131nda e\u011fitim ve sa\u011fl\u0131k harcamalar\u0131n\u0131n istisna kapsam\u0131na al\u0131naca\u011f\u0131n\u0131 tekrar bildirerek, sistemsel altyap\u0131 ve operasyonel s\u00fcre\u00e7lerin tamamlanmas\u0131 i\u00e7in 3 ayl\u0131k bir s\u00fcre tan\u0131d\u0131\u011f\u0131n\u0131 yineledi.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) taraf\u0131ndan Ocak ay\u0131nda duyurulan yeni kredi kart\u0131 limiti d\u00fczenlemeleri y\u00fcr\u00fcrl\u00fc\u011fe girdi. Finansal istikrar\u0131 g\u00fc\u00e7lendirme hedefiyle at\u0131lan bu ad\u0131mlar, \u00f6zellikle y\u00fcksek limitli kredi kart\u0131 sahiplerini yak\u0131ndan ilgilendiriyor. D\u00fczenlemeler kapsam\u0131nda, 400 bin TL \u00fczerindeki kredi kart\u0131 limitlerine k\u0131s\u0131tlamalar getirildi. A\u00e7\u0131klanan detaylara g\u00f6re, toplam kredi kart\u0131 limiti 400 bin TL ile 750 […]<\/p>\n","protected":false},"author":0,"featured_media":1679,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts\/1678","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/comments?post=1678"}],"version-history":[{"count":1,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts\/1678\/revisions"}],"predecessor-version":[{"id":1682,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/posts\/1678\/revisions\/1682"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/media\/1679"}],"wp:attachment":[{"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/media?parent=1678"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/categories?post=1678"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sunpress4.com\/index.php\/wp-json\/wp\/v2\/tags?post=1678"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}