{"id":25856,"date":"2018-01-11T12:57:56","date_gmt":"2018-01-11T09:57:56","guid":{"rendered":"http:\/\/www.bghaber.org\/bghaber\/?p=25856"},"modified":"2019-07-10T17:58:39","modified_gmt":"2019-07-10T15:58:39","slug":"her-ucuncu-vatandasin-kredisi-var","status":"publish","type":"post","link":"https:\/\/www.bghaber.org\/bghaber\/her-ucuncu-vatandasin-kredisi-var\/","title":{"rendered":"Her \u00fc\u00e7\u00fcnc\u00fc vatanda\u015f\u0131n kredisi var"},"content":{"rendered":"<p>Her \u00fc\u00e7\u00fcnc\u00fc vatanda\u015f\u0131n kredi borcu var. \u00c7ocuklar\u0131 ve ya\u015fl\u0131lar\u0131 saymazsak, \u00e7al\u0131\u015fma \u00e7a\u011f\u0131nda olan hemen hemen her ikinci vatanda\u015f\u0131n bir bankaya veya h\u0131zl\u0131 kredi veren bir \u015firkete borcu oldu\u011fu ortaya \u00e7\u0131k\u0131yor.<\/p>\n<p>2017 Haziran ay\u0131 sonu itibariyle Bulgaristan Merkez Bankas\u0131 (BNB) Merkez Kredi Kay\u0131t Sistemi\u2019ne kayd\u0131n\u0131 yapt\u0131ran kredi alanlar\u0131n say\u0131s\u0131 2,33 milyon ki\u015fidir. Onlar\u0131n 2,217 milyonu vatanda\u015f, 98 000\u2019i vatanda\u015f kimlik numaras\u0131 (EGN) veya tek kimlik kodu (E\u0130K) olmayan t\u00fczel ki\u015fi, 8 000\u2019i ise serbest meslek faaliyeti icra eden ki\u015filer veya zanaat\u00e7\u0131lard\u0131r. \u00dclkenin n\u00fcfusunun 7,1 milyon ki\u015fi oldu\u011fu g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda her \u00fc\u00e7\u00fcnc\u00fc vatanda\u015f\u0131n bir kredi borcu oldu\u011fu ortaya \u00e7\u0131k\u0131yor. Fakat kredi say\u0131s\u0131, kredi alanlar\u0131n say\u0131s\u0131ndan \u00e7ok daha fazlad\u0131r. 2017 Haziran ay\u0131 sonu itibariyle BNB Merkez Kredi Kay\u0131t Sistemi\u2019ne kay\u0131tl\u0131 kredilerin say\u0131s\u0131 toplam 69 milyar levadan biraz fazla tutar\u0131nda olup 4,991 milyondur. Bor\u00e7lanmak zorunda kalan ki\u015filerin ortalama en az iki kredisi oldu\u011fu ortaya \u00e7\u0131k\u0131yor.<\/p>\n<p>Bir\u00e7ok ailede, her iki e\u015fin de kredi borcu var. BNB verilerine g\u00f6re 2017 Haziran ay\u0131 sonu itibariyle bankalardan al\u0131nan kredilerin say\u0131s\u0131 toplam 50, 37 milyar leva tutar\u0131nda olup 2,765 milyondur. H\u0131zl\u0131 kredi veren \u015firketlerden al\u0131nan kredilerin say\u0131s\u0131n\u0131n ise yakla\u015f\u0131k 2, 22 milyon oldu\u011fu g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p>Kredi alan vatanda\u015flardan 5000 levaya kadar olan kredilerin kalan tutar\u0131n\u0131 \u00f6deyenlerin pay\u0131 y\u00fczde 63,7 olarak en y\u00fcksektir. Bunlar, daire almak, ya da yurtd\u0131\u015f\u0131nda e\u011fitim gibi daha ciddi miktarda krediye ihtiya\u00e7 duyulan sat\u0131n almalar i\u00e7in de\u011fil, ailenin acil ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak veya muhtemelen eski bir otomobil sat\u0131n almak i\u00e7in verilen kredilerdir.<br \/>\nKredi alan \u015firketlerde 5000 levaya veya 50 000 levaya kadar olan kredilerin kalan tutar\u0131n\u0131 \u00f6deyen \u015firketlerin pay\u0131 y\u00fczde 35,4 olarak en y\u00fcksektir. Nispeten k\u00fc\u00e7\u00fck kredilere sahip olan bu \u015firketlerin say\u0131s\u0131 en b\u00fcy\u00fckt\u00fcr. Fakat \u00fclkedeki kredi piyasas\u0131 a\u00e7\u0131s\u0131ndan en \u00f6nemli rol oynayan milyonlarca bor\u00e7 alan b\u00fcy\u00fck \u015firketlerdir.<\/p>\n<p>Bireylere ve i\u015fyerlerine verilen kredi bor\u00e7lar\u0131na ili\u015fkin veriler, banka ve di\u011fer kredi kurulu\u015flar\u0131 taraf\u0131ndan bir ki\u015fiye veya \u015firkete kredi verip verilmemesi konusunda karar verilmesi i\u00e7in kullan\u0131l\u0131r. Kredi bilgileri ger\u00e7ek zamanl\u0131 olarak sa\u011flan\u0131r ve hem mevcut kredi durumuna, hem de vadesi 5 y\u0131l uzat\u0131lan bor\u00e7lara ili\u015fkin verileri i\u00e7erir.<\/p><div id=\"bghab-1111467250\" 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>BNB Merkez Kredi Kay\u0131t Sistemi\u2019ne kay\u0131tl\u0131 olan bilgiler, 28 banka, 3 \u00f6deme ve 173 finansal kurum dahil olmak \u00fczere 204 kurulu\u015fa ili\u015fkindir. Onlar\u0131n aras\u0131nda garanti i\u015flemleri ve kredi borcu haciz i\u015flemleri yapan kurulu\u015flar da bulunuyor.<\/p>\n<p>&nbsp;<\/p>\n<p>K\u0131rcaali Haber<\/p>\n<div id=\"bghab-802265982\" 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>Her \u00fc\u00e7\u00fcnc\u00fc vatanda\u015f\u0131n kredi borcu var. \u00c7ocuklar\u0131 ve ya\u015fl\u0131lar\u0131 saymazsak, \u00e7al\u0131\u015fma \u00e7a\u011f\u0131nda olan hemen hemen her ikinci vatanda\u015f\u0131n bir bankaya veya h\u0131zl\u0131 kredi veren bir<\/p>\n","protected":false},"author":29,"featured_media":1848,"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-25856","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\/2013\/05\/para.jpg?fit=1366%2C768&ssl=1","jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pc2PfJ-6J2","_links":{"self":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/25856","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\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/comments?post=25856"}],"version-history":[{"count":0,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/posts\/25856\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media\/1848"}],"wp:attachment":[{"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/media?parent=25856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/categories?post=25856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bghaber.org\/bghaber\/wp-json\/wp\/v2\/tags?post=25856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}