{"id":2646,"date":"2026-08-28T07:10:34","date_gmt":"2026-08-28T07:10:34","guid":{"rendered":"https:\/\/www.kayaismail.com\/?p=2646"},"modified":"2026-08-28T07:10:34","modified_gmt":"2026-08-28T07:10:34","slug":"faiz-indi-mi-asil-soru-bu-degil","status":"publish","type":"post","link":"https:\/\/www.kayaismail.com\/index.php\/2026\/08\/28\/faiz-indi-mi-asil-soru-bu-degil\/","title":{"rendered":"Faiz \u0130ndi mi? As\u0131l Soru Bu De\u011fil!"},"content":{"rendered":"\n<p>Merkez Bankas\u0131 haftal\u0131k repo ihalelerine yeniden ba\u015flad\u0131.<\/p>\n\n\n\n<p>\u0130lk bak\u0131\u015fta teknik bir karar gibi g\u00f6r\u00fcn\u00fcyor. Ama ekonomi bazen rakamlar\u0131n s\u00f6yledi\u011finden daha fazlas\u0131n\u0131 anlat\u0131r.<\/p>\n\n\n\n<p>Resm\u00ee faiz de\u011fi\u015fmedi.<\/p>\n\n\n\n<p>Ancak bankalar\u0131n fonlama maliyeti y\u00fczde 40\u2019tan y\u00fczde 37\u2019ye do\u011fru \u00e7ekilirse, k\u00e2\u011f\u0131t \u00fczerinde olmasa bile <strong>fiilen bir faiz indirimi<\/strong> ya\u015fanabilir. Peki sorun ne?<\/p>\n\n\n\n<p>Faiz d\u00fc\u015ferse ekonomi biraz nefes alabilir. Kredi maliyetleri azalabilir, \u00fcretim ve yat\u0131r\u0131m \u00fczerindeki bask\u0131 hafifleyebilir.<\/p>\n\n\n\n<p>Ama di\u011fer tarafta h\u00e2l\u00e2 y\u00fcksek enflasyon ve bozulmaya a\u00e7\u0131k enflasyon beklentileri var.<\/p>\n\n\n\n<p>Yani Merkez Bankas\u0131 asl\u0131nda ince bir ip \u00fczerinde y\u00fcr\u00fcyor:<\/p>\n\n\n\n<p><strong>Ekonomiyi fazla s\u0131kmadan enflasyonu kontrol alt\u0131nda tutmak.<\/strong><\/p>\n\n\n\n<p>Bence \u00f6n\u00fcm\u00fczdeki g\u00fcnlerde bakmam\u0131z gereken \u015fey, \u201cFaiz indi mi?\u201d sorusu de\u011fil.<\/p>\n\n\n\n<p><strong>Bankalar ger\u00e7ekten daha d\u00fc\u015f\u00fck maliyetle fonlanmaya ba\u015flad\u0131 m\u0131?<\/strong><\/p>\n\n\n\n<p>\u00c7\u00fcnk\u00fc karar\u0131n ger\u00e7ek etkisini a\u00e7\u0131klamalar de\u011fil, piyasadaki para belirleyecek.<\/p>\n\n\n\n<p><strong>Net konu\u015fay\u0131m:<\/strong><\/p>\n\n\n\n<p>Faiz hen\u00fcz resmen inmedi.<\/p>\n\n\n\n<p>Ama indirimin kap\u0131s\u0131 aralanm\u0131\u015f olabilir.<\/p>\n\n\n\n<p>\u015eimdi \u00f6nemli olan, o kap\u0131n\u0131n ne kadar a\u00e7\u0131laca\u011f\u0131\u2026<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131 haftal\u0131k repo ihalelerine yeniden ba\u015flad\u0131. \u0130lk bak\u0131\u015fta teknik bir karar gibi g\u00f6r\u00fcn\u00fcyor. Ama ekonomi bazen rakamlar\u0131n s\u00f6yledi\u011finden daha&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2647,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,11],"tags":[],"class_list":["post-2646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-ozgun-yazilar"],"_links":{"self":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2646","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/comments?post=2646"}],"version-history":[{"count":1,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2646\/revisions"}],"predecessor-version":[{"id":2648,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2646\/revisions\/2648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media\/2647"}],"wp:attachment":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media?parent=2646"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/categories?post=2646"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/tags?post=2646"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}