{"id":13943,"date":"2019-12-09T07:50:43","date_gmt":"2019-12-09T07:50:43","guid":{"rendered":"http:\/\/www.alohaber.net\/wp\/?p=13943"},"modified":"2019-12-09T07:50:43","modified_gmt":"2019-12-09T07:50:43","slug":"zorunlu-karsiliklar-hakkinda-teblig-sayi-2013-15de-degisiklik-yapilmasina-dair-teblig-sayi-2019-19","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2019\/12\/zorunlu-karsiliklar-hakkinda-teblig-sayi-2013-15de-degisiklik-yapilmasina-dair-teblig-sayi-2019-19\/","title":{"rendered":"Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f (Say\u0131: 2013\/15)\u2019de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (Say\u0131: 2019\/19)"},"content":{"rendered":"

\"\"<\/a>Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f 2019\/19 09 Aral\u0131k 2019 Tarihli Resmi Gazete Say\u0131: 30973 T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131ndan: MADDE 1 \u2013\u00a025\/12\/201…\u00a0<\/p>\n

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Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f (Say\u0131: 2013\/15)\u2019de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (Say\u0131: 2019\/19)<\/strong><\/p>\n

Tarih:\u00a0
\n

Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f 2019\/19<\/h4>\n

09 Aral\u0131k 2019 Tarihli Resmi Gazete<\/p>\n

Say\u0131: 30973<\/p>\n

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131ndan:<\/strong><\/p>\n

MADDE 1<\/strong>\u00a0\u2013\u00a025\/12\/2013\u00a0tarihli ve 28862 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f (Say\u0131: 2013\/15)<\/a><\/strong>\u2019in 10\/A maddesinin birinci, ikinci ve d\u00f6rd\u00fcnc\u00fc f\u0131kralar\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(1) Bankalar\u0131n tabi olduklar\u0131 muhasebe standartlar\u0131 ve kay\u0131t d\u00fczeni esas al\u0131narak, d\u00f6vize endeksli krediler ile mali kurulu\u015flara kulland\u0131r\u0131lan krediler hari\u00e7 T\u00fcrk liras\u0131 cinsi standart nitelikli ve yak\u0131n izlemedeki nakdi kredileri toplam\u0131 \u00fczerinden Merkez Bankas\u0131nca belirlenen usul ve esaslara g\u00f6re T\u00fcketici Fiyat Endeksiyle d\u00fczeltilmi\u015f \u00fc\u00e7 ayl\u0131k ortalama de\u011ferler kullan\u0131larak bankalarca hesaplanacak;<\/p>\n

a) Y\u0131ll\u0131k kredi b\u00fcy\u00fcme oran\u0131 y\u00fczde 15,00\u2019in \u00fczerinde olup, 5 y\u0131l ve daha uzun vadeli konut kredilerindeki ve t\u00fcketici kredileri ile bireysel kredi kartlar\u0131 harici 2 y\u0131ldan uzun vadeli kredilerdeki y\u0131ll\u0131k de\u011fi\u015fimin tamam\u0131 b\u00fcy\u00fcme oran\u0131n\u0131n pay k\u0131sm\u0131ndan d\u00fc\u015f\u00fclerek hesaplanacak uyarlanm\u0131\u015f y\u0131ll\u0131k kredi b\u00fcy\u00fcme oran\u0131 y\u00fczde 15,00\u2019ten(15,00 d\u00e2hil) k\u00fc\u00e7\u00fck olan bankalar\u0131n ve<\/p>\n

b) Y\u0131ll\u0131k kredi b\u00fcy\u00fcme oran\u0131 y\u00fczde 15,00\u2019in(15,00 d\u00e2hil) alt\u0131nda olup, 5 y\u0131l ve daha uzun vadeli konut kredileri harici t\u00fcketici kredilerindeki ve bireysel kredi kartlar\u0131ndaki y\u0131ll\u0131k de\u011fi\u015fimin y\u00fczde 50\u2019si b\u00fcy\u00fcme oran\u0131n\u0131n pay k\u0131sm\u0131ndan d\u00fc\u015f\u00fclerek hesaplanacak uyarlanm\u0131\u015f y\u0131ll\u0131k kredi b\u00fcy\u00fcme oran\u0131 y\u00fczde 5,00\u2019ten(5,00 d\u00e2hil) b\u00fcy\u00fck olan bankalar\u0131n<\/p>\n

T\u00fcrk liras\u0131 zorunlu kar\u015f\u0131l\u0131k oranlar\u0131, 1 y\u0131l ve 1 y\u0131ldan uzun vadeli mevduat\/kat\u0131l\u0131m fonu (yurt d\u0131\u015f\u0131 bankalar mevduat\u0131\/kat\u0131l\u0131m fonu hari\u00e7) ve 3 y\u0131ldan uzun vadeli di\u011fer y\u00fck\u00fcml\u00fcl\u00fckler (yurt d\u0131\u015f\u0131 bankalar mevduat\u0131\/kat\u0131l\u0131m fonu d\u00e2hil) hari\u00e7 t\u00fcm vade dilimlerinde y\u00fczde 2 olarak uygulan\u0131r.<\/p>\n

(2) Kredi b\u00fcy\u00fcme oranlar\u0131 bu maddenin birinci f\u0131kras\u0131nda belirtilen ko\u015fullar\u0131 sa\u011flayan bankalara, hesaplama d\u00f6nemini izleyen ilk zorunlu kar\u015f\u0131l\u0131k tesis d\u00f6neminden ba\u015flamak \u00fczere alt\u0131 zorunlu kar\u015f\u0131l\u0131k tesis d\u00f6nemi boyunca birinci f\u0131krada belirlenen zorunlu kar\u015f\u0131l\u0131k oranlar\u0131 uygulan\u0131r. Alt\u0131 zorunlu kar\u015f\u0131l\u0131k tesis d\u00f6nemi i\u00e7erisinde birinci f\u0131krada belirtilen zorunlu kar\u015f\u0131l\u0131k oranlar\u0131n\u0131n de\u011fi\u015fmesi durumunda kalan tesis d\u00f6nemlerinde belirlenen yeni oranlar uygulan\u0131r.\u201d<\/p>\n

\u201c(4) Bankalar birinci f\u0131krada belirtilen kredi b\u00fcy\u00fcme oranlar\u0131 ve bu oranlara ili\u015fkin verileri, hesaplama d\u00f6nemine ait zorunlu kar\u015f\u0131l\u0131k y\u00fck\u00fcml\u00fcl\u00fck bildirim cetvelinin g\u00f6nderim s\u00fcresi bitimine kadar Merkez Bankas\u0131na bildirir.\u201d<\/p>\n

MADDE 2 \u2013\u00a0<\/strong>Ayn\u0131 Tebli\u011fe a\u015fa\u011f\u0131daki ge\u00e7ici madde eklenmi\u015ftir.<\/p>\n

\u201cKredi b\u00fcy\u00fcmesine g\u00f6re farkl\u0131la\u015fma uygulamas\u0131nda ge\u00e7i\u015f d\u00f6nemi<\/strong><\/p>\n

GE\u00c7\u0130C\u0130 MADDE 7 \u2013\u00a0<\/strong>(1) 20\/8\/2019 tarihli ve 30864 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan \u201cZorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f (Say\u0131: 2013\/15)\u2019de De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Tebli\u011f (Say\u0131: 2019\/15)\u201de g\u00f6re 29\/11\/2019 (dahil) y\u00fck\u00fcml\u00fcl\u00fck hesaplama tarihine kadar kredi b\u00fcy\u00fcme oran\u0131 y\u00fczde 10,00 ile y\u00fczde 20,00\u00a0aral\u0131\u011f\u0131na\u00a0girmi\u015f olan bankalara bu aral\u0131\u011fa girdikleri tarihe ili\u015fkin tesis d\u00f6neminden itibaren alt\u0131 d\u00f6nem boyunca 10\/A maddesinin birinci f\u0131kras\u0131nda belirtilen ko\u015fullar\u0131 sa\u011flayan bankalar i\u00e7in ge\u00e7erli olan zorunlu kar\u015f\u0131l\u0131k oranlar\u0131 uygulan\u0131r.\u201d<\/p>\n

MADDE 3 \u2013<\/strong>\u00a0Bu Tebli\u011f\u00a029\/11\/2019\u00a0tarihinden ge\u00e7erli olmak \u00fczere yay\u0131m\u0131 tarihinde y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

MADDE 4 \u2013<\/strong>\u00a0Bu Tebli\u011f h\u00fck\u00fcmlerini T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n

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\u00a0<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
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Tebli\u011fin Yay\u0131mland\u0131\u011f\u0131 Resm\u00ee Gazete\u2019nin<\/strong><\/p>\n<\/td>\n<\/tr>\n

Tarihi<\/strong><\/td>\n\n

Say\u0131s\u0131<\/strong><\/p>\n<\/td>\n<\/tr>\n

25\/12\/2013<\/td>\n28862<\/td>\n<\/tr>\n
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Tebli\u011fde De\u011fi\u015fiklik Yapan Tebli\u011flerin Yay\u0131mland\u0131\u011f\u0131 Resm\u00ee Gazete\u2019nin<\/strong><\/p>\n<\/td>\n<\/tr>\n

Tarihi<\/strong><\/td>\n\n

Say\u0131s\u0131<\/strong><\/p>\n<\/td>\n<\/tr>\n

1-<\/td>\n26\/3\/2014<\/td>\n28953<\/td>\n<\/tr>\n
2-<\/td>\n25\/7\/2014<\/td>\n29071<\/td>\n<\/tr>\n
3-<\/td>\n3\/1\/2015<\/td>\n29225<\/td>\n<\/tr>\n
4-<\/td>\n12\/3\/2015<\/td>\n29293<\/td>\n<\/tr>\n
5-<\/td>\n30\/5\/2015<\/td>\n29371<\/td>\n<\/tr>\n
6-<\/td>\n29\/8\/2015<\/td>\n29460<\/td>\n<\/tr>\n
7-<\/td>\n26\/12\/2015<\/td>\n29574<\/td>\n<\/tr>\n
8-<\/td>\n9\/1\/2016<\/td>\n29588<\/td>\n<\/tr>\n
9-<\/td>\n10\/8\/2016<\/td>\n29797<\/td>\n<\/tr>\n
10-<\/td>\n7\/9\/2016<\/td>\n29824<\/td>\n<\/tr>\n
11-<\/td>\n22\/10\/2016<\/td>\n29865<\/td>\n<\/tr>\n
12-<\/td>\n1\/11\/2016<\/td>\n29875<\/td>\n<\/tr>\n
13-<\/td>\n19\/11\/2016<\/td>\n29893<\/td>\n<\/tr>\n
14-<\/td>\n26\/11\/2016<\/td>\n29900<\/td>\n<\/tr>\n
15-<\/td>\n11\/01\/2017<\/td>\n29945<\/td>\n<\/tr>\n
16-<\/td>\n8\/11\/2017<\/td>\n30234<\/td>\n<\/tr>\n
17-<\/td>\n9\/5\/2018<\/td>\n30416<\/td>\n<\/tr>\n
18-<\/td>\n9\/8\/2018<\/td>\n30504<\/td>\n<\/tr>\n
19-<\/td>\n14\/8\/2018<\/td>\n30509<\/td>\n<\/tr>\n
20-<\/td>\n22\/12\/2018<\/td>\n30633<\/td>\n<\/tr>\n
21-<\/td>\n19\/1\/2019<\/td>\n30660<\/td>\n<\/tr>\n
22-<\/td>\n16\/2\/2019<\/td>\n30688<\/td>\n<\/tr>\n
23-<\/td>\n20\/4\/2019<\/td>\n30751<\/td>\n<\/tr>\n
24-<\/td>\n11\/5\/2019<\/td>\n30771<\/td>\n<\/tr>\n
25-<\/td>\n28\/5\/2019<\/td>\n30787<\/td>\n<\/tr>\n
26-<\/td>\n22\/6\/2019<\/td>\n30809<\/td>\n<\/tr>\n
27-<\/td>\n7\/8\/2019<\/td>\n30855<\/td>\n<\/tr>\n
28-<\/td>\n20\/8\/2019<\/td>\n30864<\/td>\n<\/tr>\n
29-<\/td>\n21\/9\/2019<\/td>\n30895<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Zorunlu Kar\u015f\u0131l\u0131klar Hakk\u0131nda Tebli\u011f 2019\/19 09 Aral\u0131k 2019 Tarihli Resmi Gazete Say\u0131: 30973 T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131ndan: MADDE 1 \u2013\u00a025\/12\/201…\u00a0  <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-13943","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/13943","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/comments?post=13943"}],"version-history":[{"count":1,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/13943\/revisions"}],"predecessor-version":[{"id":13944,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/13943\/revisions\/13944"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=13943"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=13943"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=13943"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}