{"id":12222,"date":"2014-11-27T10:55:11","date_gmt":"2014-11-27T08:55:11","guid":{"rendered":"http:\/\/www.bghaber.org\/bghaber\/?p=12222"},"modified":"2014-11-27T10:55:11","modified_gmt":"2014-11-27T08:55:11","slug":"ulkedeki-hanelerin-kredisi-cok-borcu-azdir","status":"publish","type":"post","link":"https:\/\/www.bghaber.org\/bghaber\/ulkedeki-hanelerin-kredisi-cok-borcu-azdir\/","title":{"rendered":"\u00dclkedeki hanelerin kredisi \u00e7ok, borcu azd\u0131r"},"content":{"rendered":"<p><b>Bulgaristan\u2019da hanelerin banka kredilerinin say\u0131s\u0131 2 milyon 700 binin \u00fczerindedir. Bu g\u00f6sterge, n\u00fcfusun \u00fc\u00e7te ikisi kadar\u0131n\u0131n kredi kurulu\u015flar\u0131na bor\u00e7lu oldu\u011fu geli\u015fmi\u015f Avrupa \u00fclkelerine k\u0131yasla \u00e7ok d\u00fc\u015f\u00fck g\u00f6r\u00fcn\u00fcyor. Bu duruma bor\u00e7lu ailelerin bor\u00e7lu olduklar\u0131 para miktarlar\u0131n\u0131n ortalama 3400 avro olmak \u00fczere asl\u0131nda o denli b\u00fcy\u00fck olmad\u0131\u011f\u0131 hususunu da eklemek gerekir. \u00dclkede hanelerin toplam bor\u00e7 tutar\u0131, 9 milyar avronun biraz \u00fczerindedir, ki bu mebla\u011f tasarruf toplam\u0131n\u0131n en az iki kat alt\u0131nda kal\u0131yor. Devletin borcu, GSY\u0130H\u2019n\u0131n y\u00fczde 30\u2019una yakla\u015f\u0131rken \u00fclke vatanda\u015flar\u0131n\u0131n bor\u00e7lulu\u011fu y\u00fczde 22\u2019de kal\u0131yor. Zengin ve geli\u015fmi\u015f bir \u00fclke olan Almanya\u2019da ise vatanda\u015flar\u0131n bor\u00e7lar\u0131 y\u00fczde 60\u2019\u0131 buluyor.<\/b><\/p>\n<div class=\"imgwrapper\"><b><b><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.bnr.bg\/gallery\/86\/866ad2ffded16e43f519fdff6cf8f381.jpg?w=640\" alt=\"B\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re kredilerin ortalama pay\u0131(BGN).\" \/><\/b><\/b><\/p>\n<div class=\"photo_info\"><\/div>\n<\/div>\n<p><b>B\u00fcy\u00fckl\u00fc\u011f\u00fcne g\u00f6re kredilerin nispi pay\u0131<\/b><\/p>\n<p>Bulgaristan halk\u0131, genelde tasarruf yapmay\u0131 seviyor ve bor\u00e7lardan korkuyor. Tabii zamanla bu durum de\u011fi\u015fiyor ve g\u00fcn\u00fcm\u00fczde ticaret esnaf\u0131 ve bankalar, kredi ile al\u0131\u015f-veri\u015f yapma ve kredi \u00e7ekme imkanlar\u0131n\u0131n reklam\u0131n\u0131 avaz\u0131 \u00e7\u0131\u0131kt\u0131\u011f\u0131 kadar yapmakta yar\u0131\u015f\u0131yorlar. Her yerde sunulan k\u00fc\u00e7\u00fck ve h\u0131zl\u0131 t\u00fcketim kredileri i\u00e7in kredi alanlardan neredeyse hi\u00e7bir g\u00fcvence istenmiyor. Buna kar\u015f\u0131n faiz oranlar\u0131 cep yak\u0131yor.<\/p>\n<p>\u00dclkemizde hane bor\u00e7lar\u0131n\u0131n y\u00fczde 55\u2019lik b\u00f6l\u00fcm\u00fc t\u00fcketim kredisi, y\u00fczde 45\u2019lik b\u00f6l\u00fcm\u00fc ise ipotek kredisi \u015feklindedir .<\/p>\n<div class=\"imgwrapper\"><b><b><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.bnr.bg\/gallery\/ae\/ae15359a7956f9fd7b3310f1206112ff.jpg?w=640\" alt=\"2013-2014 d\u00f6neminde hanelerin kredi kullan\u0131m art\u0131\u015f\u0131.\" \/><\/b><\/b><\/p>\n<div class=\"photo_info\"><\/div>\n<\/div>\n<p><b>2013-2014 d\u00f6neminde hanelerin kulland\u0131\u011f\u0131 kredilerdeki art\u0131\u015f<\/b><\/p><div id=\"bghab-1978338771\" class=\"bghab-icerik-icine bghab-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6203283170189293\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block; text-align:center;\" data-ad-client=\"ca-pub-6203283170189293\" \ndata-ad-slot=\"7303146466\" \ndata-ad-layout=\"in-article\"\ndata-ad-format=\"fluid\" data-full-width-responsive=\"true\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>Merkez bankas\u0131 verilerine g\u00f6re son d\u00f6nemde kredilerin say\u0131s\u0131nda art\u0131\u015f e\u011filimi izleniyor, yani gittik\u00e7e \u00e7ok vatanda\u015f kredi almay\u0131 g\u00f6ze al\u0131yor. Bu durumun a\u00e7\u0131klanmas\u0131 bir\u00e7ok \u00e7eli\u015fkiyi i\u00e7inde bulunduruyor. Bir yandan son 1-2 y\u0131l i\u00e7inde \u00fclkemiz b\u00fcy\u00fck bir siyasi ve ekonomik istikrars\u0131zl\u0131k d\u00f6nemi ya\u015f\u0131yor, i\u015fsizlik oran\u0131 mevsimsel olarak dalgal\u0131 seyir izlemekle birlikte y\u00fczde 12 gibi y\u00fcksek bir d\u00fczeyde seyrediyor. B\u00fct\u00fcn bunlar \u00fclke vatanda\u015flar\u0131n\u0131 t\u00fcketim konusunda \u00e7ok temkinli ve tasarruflu k\u0131lmal\u0131d\u0131r, al\u0131mlar\u0131n\u0131 da asgariye indirmelidir. Bunun b\u00f6yle oldu\u011fu asl\u0131nda b\u00fct\u00fcn sosyolojik ve istatiksel yoklamalarla teyit ediliyor. Asl\u0131nda l\u00fcks, kalite ve konfor d\u00fc\u015fk\u00fcn\u00fc olan \u00fclke vatanda\u015flar\u0131n\u0131n bu zorunlu temkinli\u011finin en a\u00e7\u0131k kan\u0131t\u0131, tasarruf toplam\u0131n\u0131n devaml\u0131 art\u0131\u015f\u0131 olmaktad\u0131r. Bununla birlikte \u00f6te yandan g\u00fcvenli olmayan ve d\u00fc\u015f\u00fck \u00fccretli i\u015f, \u00e7ocuk ve ev bark masraf\u0131 ve t\u00fcketim piyasas\u0131nda bulunan milyonlarca \u00fcr\u00fcn\u00fcn cazibesi, bir\u00e7ok ki\u015fiyi maddi ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in bankalara ba\u015fvurmaya itiyor. \u00dcstelik son aylarda kredi faizlerinin d\u00fc\u015f\u00fc\u015fe ge\u00e7mesi ile kredilerin gittik\u00e7e daha ucuz ve uygun hale gelmesi, bu e\u011filimi daha da g\u00fc\u00e7lendiriyor.<\/p>\n<p>\u00c7eviri: Tanya Blagova<\/p>\n<div id=\"bghab-2230936626\" class=\"bghab-yazi-altinda bghab-entity-placement\"><div class=\"bghab-adlabel\">Reklamlar<\/div><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<!-- bghaber-yaz\u0131-sonu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6203283170189293\"\r\n     data-ad-slot=\"4222328180\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><br style=\"clear: both; display: block; float: none;\"\/>","protected":false},"excerpt":{"rendered":"<p>Bulgaristan\u2019da hanelerin banka kredilerinin say\u0131s\u0131 2 milyon 700 binin \u00fczerindedir. Bu g\u00f6sterge, n\u00fcfusun \u00fc\u00e7te ikisi kadar\u0131n\u0131n kredi kurulu\u015flar\u0131na bor\u00e7lu oldu\u011fu geli\u015fmi\u015f Avrupa \u00fclkelerine k\u0131yasla \u00e7ok<\/p>\n","protected":false},"author":13,"featured_media":12223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-12222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.bghaber.org\/bghaber\/wp-content\/uploads\/2014\/11\/149.jpg?fit=850%2C478&ssl=1","jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pc2PfJ-3b8","_links":{"self":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/12222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/comments?post=12222"}],"version-history":[{"count":0,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/12222\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media\/12223"}],"wp:attachment":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media?parent=12222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/categories?post=12222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/tags?post=12222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}