{"id":33031,"date":"2026-09-30T18:34:57","date_gmt":"2026-09-30T15:34:57","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=33031"},"modified":"2026-10-01T08:39:51","modified_gmt":"2026-10-01T05:39:51","slug":"bankalarin-kredi-faiz-oranlari","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/","title":{"rendered":"Bankalar\u0131n Kredi Faiz Oranlar\u0131 2026: 1 Ekim G\u00fcncel Liste"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>1 Ekim 2026<\/strong> itibar\u0131yla bankalar\u0131n kredi faiz oranlar\u0131; kredi t\u00fcr\u00fc, tutar, vade, kredi notu, gelir durumu ve kampanya ko\u015fullar\u0131na g\u00f6re \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015fiyor. \u0130htiya\u00e7 kredisi ve finansman kampanyalar\u0131nda ayl\u0131k oranlar <strong>%1,99<\/strong> seviyesinden ba\u015flarken konut finansman\u0131nda yakla\u015f\u0131k <strong>%2,87-%2,89<\/strong>, ta\u015f\u0131t finansman\u0131nda ise yakla\u015f\u0131k <strong>%3,19<\/strong> seviyesinden ba\u015flayan se\u00e7enekler bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u0131zl\u0131 \u00d6zet:<\/strong> Yeni m\u00fc\u015fterilere \u00f6zel kampanyalarda 12 aya kadar ihtiya\u00e7 finansman\u0131 %1,99 seviyesine inerken, QNB&#8217;de 100.000 TL&#8217;ye kadar 12 ay vadeli yeni m\u00fc\u015fteri ihtiya\u00e7 kredisi %2,84 olarak sunuluyor. Konut kredilerinde 1 milyon TL i\u00e7in avantajl\u0131 teklifler yakla\u015f\u0131k %2,9 band\u0131nda; ta\u015f\u0131t kredilerinde ise 300.000 TL ve 36 ay i\u00e7in %3,19 seviyesinden ba\u015flayan finansman se\u00e7enekleri g\u00f6r\u00fclebiliyor.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n\n<p class=\"wp-block-paragraph\">Kredi kar\u015f\u0131la\u015ft\u0131r\u0131rken yaln\u0131zca ayl\u0131k faiz oran\u0131na bakmak yeterli de\u011fildir. Ayl\u0131k taksit, toplam geri \u00f6deme, kredi tahsis \u00fccreti, sigorta, vergiler ve y\u0131ll\u0131k toplam maliyet oran\u0131 birlikte de\u011ferlendirilmelidir. \u0130lan edilen en d\u00fc\u015f\u00fck oran her m\u00fc\u015fteriye uygulanmayabilir.<\/p>\n\n<\/blockquote>\n\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Bankalarin_Kredi_Faiz_Oranlari_2026\" >Bankalar\u0131n Kredi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Ihtiyac_Kredisi_Faiz_Oranlari_2026\" >\u0130htiya\u00e7 Kredisi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Faizsiz_ve_Dusuk_Faizli_Ihtiyac_Kredileri\" >Faizsiz ve D\u00fc\u015f\u00fck Faizli \u0130htiya\u00e7 Kredileri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Konut_Kredisi_Faiz_Oranlari_2026\" >Konut Kredisi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#1_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\" >1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi Ne Kadar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Tasit_Kredisi_Faiz_Oranlari_2026\" >Ta\u015f\u0131t Kredisi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#KOBI_ve_Ticari_Kredi_Faiz_Oranlari_2026\" >KOB\u0130 ve Ticari Kredi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Karekod_Blog_Arastirmasi_Yillara_Gore_Bankalarin_Kredi_Faiz_Oranlari\" >Karekod Blog Ara\u015ft\u0131rmas\u0131: Y\u0131llara G\u00f6re Bankalar\u0131n Kredi Faiz Oranlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Kredi_Faizleri_2020den_2026ya_Nasil_Degisti\" >Kredi Faizleri 2020&#8217;den 2026&#8217;ya Nas\u0131l De\u011fi\u015fti?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#2026_Kredi_Faizleri_Neden_Hala_Yuksek\" >2026 Kredi Faizleri Neden H\u00e2l\u00e2 Y\u00fcksek?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Aylik_Kredi_Faizi_ile_Yillik_Kredi_Faizi_Ayni_Sey_mi\" >Ayl\u0131k Kredi Faizi ile Y\u0131ll\u0131k Kredi Faizi Ayn\u0131 \u015eey mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Ihtiyac_Kredisi_Vade_Sinirlari_2026\" >\u0130htiya\u00e7 Kredisi Vade S\u0131n\u0131rlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Kredi_Faiz_Orani_Neye_Gore_Belirlenir\" >Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Kredi_Cekerken_Sadece_Faiz_Oranina_Bakmayin\" >Kredi \u00c7ekerken Sadece Faiz Oran\u0131na Bakmay\u0131n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#En_Dusuk_Kredi_Faizi_Hangi_Bankada\" >En D\u00fc\u015f\u00fck Kredi Faizi Hangi Bankada?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Kredi_Faizleri_Duser_mi\" >Kredi Faizleri D\u00fc\u015fer mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Bankalarin_Kredi_Faiz_Oranlari_Hakkinda_Sikca_Sorulan_Sorular\" >Bankalar\u0131n Kredi Faiz Oranlar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/#Kaynak_ve_Guncelleme_Notu\" >Kaynak ve G\u00fcncelleme Notu<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bankalarin_Kredi_Faiz_Oranlari_2026\"><\/span>Bankalar\u0131n Kredi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 itibar\u0131yla ihtiya\u00e7, konut, ta\u015f\u0131t ve ticari kredilerde iki farkl\u0131 faiz g\u00f6stergesini birbirinden ay\u0131rmak gerekiyor. Bankalar\u0131n m\u00fc\u015fteriye sundu\u011fu oranlar genellikle <strong>ayl\u0131k faiz veya k\u00e2r pay\u0131<\/strong> olarak ilan edilirken TCMB&#8217;nin yay\u0131mlad\u0131\u011f\u0131 sekt\u00f6r verileri bankalar\u0131n fiilen kulland\u0131rd\u0131\u011f\u0131 krediler \u00fczerinden hesaplanan <strong>y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalama faiz oranlar\u0131n\u0131<\/strong> g\u00f6steriyor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-1049x590.webp\" alt=\"Bankalar\u0131n Kredi Faiz Oranlar\u0131\" class=\"wp-image-61883\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Bankalarin-Kredi-Faiz-Oranlari-1-1.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Bankalar\u0131n Kredi Faiz Oranlar\u0131<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Kredi T\u00fcr\u00fc<\/th>\n<th>G\u00f6r\u00fclen Ba\u015flang\u0131\u00e7 Oran\u0131<\/th>\n<th>Kar\u015f\u0131la\u015ft\u0131rma \u00d6rne\u011fi<\/th>\n<th>TCMB Sekt\u00f6r Faizi<\/th>\n<th>Genel Vade<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u0130htiya\u00e7 Kredisi \/ Finansman\u0131<\/strong><\/td>\n<td><strong>Ayl\u0131k %1,99 kampanyal\u0131<\/strong><\/td>\n<td>50.000 TL \/ 12 ay<\/td>\n<td><strong>Y\u0131ll\u0131k %63,03<\/strong><\/td>\n<td>1-36 ay<\/td>\n<\/tr>\n<tr>\n<td><strong>Konut Kredisi<\/strong><\/td>\n<td><strong>Ayl\u0131k yakla\u015f\u0131k %2,87-%2,89<\/strong><\/td>\n<td>1.000.000 TL \/ 60-120 ay<\/td>\n<td><strong>Y\u0131ll\u0131k %41,96<\/strong><\/td>\n<td>12-120 ay<\/td>\n<\/tr>\n<tr>\n<td><strong>Ta\u015f\u0131t Kredisi<\/strong><\/td>\n<td><strong>Ayl\u0131k yakla\u015f\u0131k %3,19<\/strong><\/td>\n<td>300.000 TL \/ 36 ay<\/td>\n<td><strong>Y\u0131ll\u0131k %45,54<\/strong><\/td>\n<td>3-48 ay<\/td>\n<\/tr>\n<tr>\n<td><strong>Ticari \/ KOB\u0130 Kredisi<\/strong><\/td>\n<td>Bankaya ve firmaya g\u00f6re de\u011fi\u015fiyor<\/td>\n<td>Firma \u00f6zelinde<\/td>\n<td><strong>Y\u0131ll\u0131k %52,85<\/strong><\/td>\n<td>\u00dcr\u00fcne g\u00f6re de\u011fi\u015fiyor<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figcaption class=\"wp-element-caption\">1 Ekim 2026 kredi faiz oranlar\u0131 genel g\u00f6r\u00fcn\u00fcm\u00fc<\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TCMB sekt\u00f6r faizleri 18 Eyl\u00fcl 2026 haftas\u0131na aittir.<\/strong> TCMB&#8217;nin haftal\u0131k kredi faiz serileri gecikmeli yay\u0131mland\u0131\u011f\u0131 i\u00e7in 1 Ekim tarihinde eri\u015filebilen son a\u011f\u0131rl\u0131kl\u0131 ortalama veriler bu d\u00f6nemi g\u00f6steriyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zellikle yeni m\u00fc\u015fteri kampanyalar\u0131nda standart kredi oranlar\u0131n\u0131n olduk\u00e7a alt\u0131nda teklifler g\u00f6r\u00fclebiliyor. Ancak %0 veya %1,99 gibi oranlar genellikle belirli tutar, vade, yeni m\u00fc\u015fteri olma veya belirli bir \u00fcr\u00fcn kullanma \u015fart\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ihtiyac_Kredisi_Faiz_Oranlari_2026\"><\/span>\u0130htiya\u00e7 Kredisi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130htiya\u00e7 kredilerinde 1 Ekim 2026 itibar\u0131yla en d\u00fc\u015f\u00fck oranlar a\u011f\u0131rl\u0131kl\u0131 olarak yeni m\u00fc\u015fteri kampanyalar\u0131nda g\u00f6r\u00fcl\u00fcyor. Kuveyt T\u00fcrk&#8217;te yeni m\u00fc\u015fterilere y\u00f6nelik \u0130htiya\u00e7 Kart kampanyas\u0131nda 100.000 TL&#8217;ye kadar ve 12 aya varan vadede %1,99 oran bulunurken QNB&#8217;nin yeni m\u00fc\u015fteri kampanyas\u0131nda 100.000 TL&#8217;ye kadar 12 ay i\u00e7in %2,84 faiz uygulan\u0131yor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-1049x590.webp\" alt=\"Bankalar\u0131n \u0130htiya\u00e7 Kredisi Faiz Oranlar\u0131\" class=\"wp-image-61884\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/bankalarin-Ihtiyac-Kredisi-Faiz-Oranlari.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Bankalar\u0131n \u0130htiya\u00e7 Kredisi Faiz Oranlar\u0131<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Banka \/ Finans Kurulu\u015fu<\/th>\n<th>Ayl\u0131k Faiz \/ K\u00e2r Pay\u0131<\/th>\n<th>50.000 TL \/ 12 Ay Yakla\u015f\u0131k Taksit<\/th>\n<th>12 Ay Taksit Toplam\u0131<\/th>\n<th>Teklif T\u00fcr\u00fc<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Kuveyt T\u00fcrk<\/strong><\/td>\n<td><strong>%1,99<\/strong><\/td>\n<td><strong>\u2248 4.900 TL<\/strong><\/td>\n<td><strong>\u2248 58.800 TL<\/strong><\/td>\n<td>Yeni m\u00fc\u015fteri \/ \u0130htiya\u00e7 Kart<\/td>\n<\/tr>\n<tr>\n<td><strong>QNB<\/strong><\/td>\n<td><strong>%2,84<\/strong><\/td>\n<td><strong>\u2248 5.233 TL<\/strong><\/td>\n<td><strong>\u2248 62.796 TL<\/strong><\/td>\n<td>Yeni m\u00fc\u015fteri<\/td>\n<\/tr>\n<tr>\n<td><strong>Anadolubank<\/strong><\/td>\n<td><strong>\u2248 %3,19<\/strong><\/td>\n<td><strong>\u2248 5.373 TL<\/strong><\/td>\n<td><strong>\u2248 64.476 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td><strong>ON Dijital<\/strong><\/td>\n<td><strong>\u2248 %3,39<\/strong><\/td>\n<td><strong>\u2248 5.454 TL<\/strong><\/td>\n<td><strong>\u2248 65.448 TL<\/strong><\/td>\n<td>Dijital<\/td>\n<\/tr>\n<tr>\n<td><strong>ING<\/strong><\/td>\n<td><strong>\u2248 %3,44<\/strong><\/td>\n<td><strong>\u2248 5.475 TL<\/strong><\/td>\n<td><strong>\u2248 65.700 TL<\/strong><\/td>\n<td>\u00d6zel banka<\/td>\n<\/tr>\n<tr>\n<td><strong>Enpara.com<\/strong><\/td>\n<td><strong>\u2248 %3,59<\/strong><\/td>\n<td><strong>\u2248 5.536 TL<\/strong><\/td>\n<td><strong>\u2248 66.432 TL<\/strong><\/td>\n<td>Dijital<\/td>\n<\/tr>\n<tr>\n<td><strong>HSBC<\/strong><\/td>\n<td><strong>\u2248 %3,64<\/strong><\/td>\n<td><strong>\u2248 5.556 TL<\/strong><\/td>\n<td><strong>\u2248 66.672 TL<\/strong><\/td>\n<td>\u00d6zel banka<\/td>\n<\/tr>\n<tr>\n<td><strong>getirfinans<\/strong><\/td>\n<td><strong>\u2248 %3,69<\/strong><\/td>\n<td><strong>\u2248 5.577 TL<\/strong><\/td>\n<td><strong>\u2248 66.924 TL<\/strong><\/td>\n<td>Dijital<\/td>\n<\/tr>\n<tr>\n<td><strong>Akbank<\/strong><\/td>\n<td><strong>\u2248 %3,74<\/strong><\/td>\n<td><strong>\u2248 5.597 TL<\/strong><\/td>\n<td><strong>\u2248 67.164 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td><strong>T\u00fcrkiye Finans<\/strong><\/td>\n<td><strong>\u2248 %3,82<\/strong><\/td>\n<td><strong>\u2248 5.630 TL<\/strong><\/td>\n<td><strong>\u2248 67.560 TL<\/strong><\/td>\n<td>Kat\u0131l\u0131m<\/td>\n<\/tr>\n<tr>\n<td><strong>TEB<\/strong><\/td>\n<td><strong>\u2248 %3,84<\/strong><\/td>\n<td><strong>\u2248 5.639 TL<\/strong><\/td>\n<td><strong>\u2248 67.668 TL<\/strong><\/td>\n<td>\u00d6zel banka<\/td>\n<\/tr>\n<tr>\n<td><strong>Alternatif Bank<\/strong><\/td>\n<td><strong>%3,99*<\/strong><\/td>\n<td><strong>\u2248 5.701 TL<\/strong><\/td>\n<td><strong>\u2248 68.412 TL<\/strong><\/td>\n<td>Sigortas\u0131z dijital \u00f6rnek<\/td>\n<\/tr>\n<tr>\n<td><strong>DenizBank<\/strong><\/td>\n<td><strong>\u2248 %3,99<\/strong><\/td>\n<td><strong>\u2248 5.701 TL<\/strong><\/td>\n<td><strong>\u2248 68.412 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td><strong>Yap\u0131 Kredi<\/strong><\/td>\n<td><strong>\u2248 %3,99<\/strong><\/td>\n<td><strong>\u2248 5.701 TL<\/strong><\/td>\n<td><strong>\u2248 68.412 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td><strong>Ziraat Bankas\u0131<\/strong><\/td>\n<td><strong>%4,39**<\/strong><\/td>\n<td><strong>\u2248 5.868 TL<\/strong><\/td>\n<td><strong>\u2248 70.416 TL<\/strong><\/td>\n<td>1-12 ay t\u00fcketici kredisi<\/td>\n<\/tr>\n<tr>\n<td><strong>\u015eekerbank<\/strong><\/td>\n<td><strong>\u2248 %4,22<\/strong><\/td>\n<td><strong>\u2248 5.797 TL<\/strong><\/td>\n<td><strong>\u2248 69.564 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td><strong>Halkbank<\/strong><\/td>\n<td><strong>\u2248 %4,54<\/strong><\/td>\n<td><strong>\u2248 5.932 TL<\/strong><\/td>\n<td><strong>\u2248 71.184 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td><strong>Vak\u0131fBank<\/strong><\/td>\n<td><strong>\u2248 %4,73<\/strong><\/td>\n<td><strong>\u2248 6.013 TL<\/strong><\/td>\n<td><strong>\u2248 72.156 TL<\/strong><\/td>\n<td>Kampanyaya g\u00f6re<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figcaption class=\"wp-element-caption\">1 Ekim 2026 ihtiya\u00e7 kredisi faiz oranlar\u0131<\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><small>* Alternatif Bank&#8217;\u0131n a\u00e7\u0131k \u00f6rnek maliyet tablosunda 50.000 TL \/ 12 ay sigortas\u0131z dijital ihtiya\u00e7 kredisi i\u00e7in %3,99 oran yer al\u0131yor. ** Ziraat Bankas\u0131&#8217;n\u0131n t\u00fcketici \u00fcr\u00fcn paketinde 1-12 ay vade i\u00e7in %4,39 oran yay\u0131mlan\u0131yor. Bankalar\u0131n m\u00fc\u015fteriye \u00f6zel kampanyalar\u0131nda farkl\u0131 oranlar g\u00f6r\u00fclebilir.<\/small><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">50.000 TL ve 12 ay \u00f6rne\u011finde %1,99 ile %4&#8217;\u00fcn \u00fczerindeki oranlar aras\u0131nda ayl\u0131k taksit fark\u0131 1.000 TL&#8217;yi a\u015fabiliyor. Bu nedenle d\u00fc\u015f\u00fck tutarl\u0131 ihtiya\u00e7 kredilerinde bile birka\u00e7 puanl\u0131k faiz fark\u0131 toplam geri \u00f6demeyi belirgin bi\u00e7imde de\u011fi\u015ftiriyor.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Faizsiz_ve_Dusuk_Faizli_Ihtiyac_Kredileri\"><\/span>Faizsiz ve D\u00fc\u015f\u00fck Faizli \u0130htiya\u00e7 Kredileri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026 y\u0131l\u0131nda bankalar\u0131n yeni m\u00fc\u015fteri kazan\u0131m\u0131 i\u00e7in sundu\u011fu %0 faizli ve d\u00fc\u015f\u00fck faizli kredi kampanyalar\u0131 devam ediyor. Ancak bu kampanyalar standart ihtiya\u00e7 kredileriyle ayn\u0131 de\u011fildir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>%0 faiz yaln\u0131zca belirli tutar ve k\u0131sa vadede uygulanabilir.<\/li>\n<li>Kampanya yaln\u0131zca ilk kez m\u00fc\u015fteri olanlara a\u00e7\u0131k olabilir.<\/li>\n<li>Toplam kampanya limiti ihtiya\u00e7 kredisi, nakit avans veya kredili hesap gibi birden fazla \u00fcr\u00fcnden olu\u015fabilir.<\/li>\n<li>Ba\u015fvuru kredi notu ve bankan\u0131n tahsis kriterlerine tabidir.<\/li>\n<li>Sigorta veya di\u011fer \u00fcr\u00fcn ko\u015fullar\u0131 toplam maliyeti de\u011fi\u015ftirebilir.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle \u201c100.000 TL faizsiz kredi\u201d veya \u201c%1,99 kredi\u201d ba\u015fl\u0131klar\u0131nda toplam tutar\u0131n, vadenin ve \u00fcr\u00fcn tipinin kampanya ko\u015fullar\u0131ndan ayr\u0131ca kontrol edilmesi gerekir. G\u00fcncel kampanyalar i\u00e7in <a href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/\">faizsiz kredi veren bankalar<\/a> rehberini inceleyebilirsiniz.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faiz_Oranlari_2026\"><\/span>Konut Kredisi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 itibar\u0131yla konut kredilerinde avantajl\u0131 ayl\u0131k oranlar yakla\u015f\u0131k <strong>%2,9 band\u0131nda<\/strong> bulunuyor. Banka, kat\u0131l\u0131m finans kurulu\u015fu, kredi tutar\u0131, vade ve m\u00fc\u015fterinin kulland\u0131\u011f\u0131 ek \u00fcr\u00fcnlere g\u00f6re nihai oran de\u011fi\u015febiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1 milyon TL ve 60 ay vade i\u00e7in Eyl\u00fcl sonundaki g\u00fcncel kar\u015f\u0131la\u015ft\u0131rmalarda g\u00f6r\u00fclen oranlar ve taksitler \u015f\u00f6yle:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Banka<\/th>\n<th>Ayl\u0131k Faiz \/ K\u00e2r Pay\u0131<\/th>\n<th>1 Milyon TL \/ 60 Ay Yakla\u015f\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>Ziraat Bankas\u0131<\/td><td><strong>%2,89<\/strong><\/td><td>35.286 TL<\/td><\/tr>\n<tr><td>Ziraat Kat\u0131l\u0131m<\/td><td><strong>%2,89<\/strong><\/td><td>35.286 TL<\/td><\/tr>\n<tr><td>Albaraka T\u00fcrk<\/td><td><strong>%2,90<\/strong><\/td><td>35.362 TL<\/td><\/tr>\n<tr><td>Vak\u0131f Kat\u0131l\u0131m<\/td><td><strong>%2,94<\/strong><\/td><td>35.670 TL<\/td><\/tr>\n<tr><td>D\u00fcnya Kat\u0131l\u0131m<\/td><td><strong>%2,99<\/strong><\/td><td>36.056 TL<\/td><\/tr>\n<tr><td>Halkbank<\/td><td><strong>%2,99<\/strong><\/td><td>36.056 TL<\/td><\/tr>\n<tr><td>QNB<\/td><td><strong>%2,99<\/strong><\/td><td>36.056 TL<\/td><\/tr>\n<tr><td>Garanti BBVA<\/td><td><strong>%3,24<\/strong><\/td><td>38.011 TL<\/td><\/tr>\n<tr><td>TEB<\/td><td><strong>%3,30<\/strong><\/td><td>38.486 TL<\/td><\/tr>\n<tr><td>Emlak Kat\u0131l\u0131m<\/td><td><strong>%3,39<\/strong><\/td><td>39.204 TL<\/td><\/tr>\n<tr><td>Akbank<\/td><td><strong>%3,40<\/strong><\/td><td>39.284 TL<\/td><\/tr>\n<tr><td>ING<\/td><td><strong>%3,49<\/strong><\/td><td>40.008 TL<\/td><\/tr>\n<tr><td>\u015eekerbank<\/td><td><strong>%3,67<\/strong><\/td><td>41.470 TL<\/td><\/tr>\n<tr><td>ICBC Turkey<\/td><td><strong>%3,83<\/strong><\/td><td>42.787 TL<\/td><\/tr>\n<\/tbody>\n<\/table>\n<figcaption class=\"wp-element-caption\">1 milyon TL 60 ay konut kredisi kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ziraat Bankas\u0131&#8217;n\u0131n resmi konut kredisi tablosunda 1 milyon TL ve 120 ay i\u00e7in ayl\u0131k %2,89 oran ve yakla\u015f\u0131k <strong>29.879 TL<\/strong> taksit bulunuyor. Ayn\u0131 faiz oran\u0131nda vadenin 60 aya indirilmesi ayl\u0131k \u00f6demeyi yakla\u015f\u0131k 35.286 TL&#8217;ye y\u00fckseltirken toplam finansman maliyetini \u00f6nemli \u00f6l\u00e7\u00fcde azalt\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konut finansman\u0131n\u0131 daha ayr\u0131nt\u0131l\u0131 incelemek isteyenler <a href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/\">konut kredisi faiz oranlar\u0131<\/a> ve <a href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/\">d\u00fc\u015f\u00fck faizli konut kredileri<\/a> ara\u015ft\u0131rmalar\u0131na g\u00f6z atabilir.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\"><\/span>1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi Ne Kadar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 milyon TL konut kredisi i\u00e7in ayl\u0131k \u00f6deme vade ve faiz oran\u0131na g\u00f6re ciddi bi\u00e7imde de\u011fi\u015fiyor. \u00d6rne\u011fin ayl\u0131k %2,89 oran \u00fczerinden 60 ay vadede taksit yakla\u015f\u0131k <strong>35.286 TL<\/strong>, 120 ay vadede ise yakla\u015f\u0131k <strong>29.879 TL<\/strong> oluyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Kredi Tutar\u0131<\/th>\n<th>Ayl\u0131k Faiz<\/th>\n<th>Vade<\/th>\n<th>Yakla\u015f\u0131k Ayl\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>1.000.000 TL<\/td><td>%2,89<\/td><td>60 ay<\/td><td><strong>35.286 TL<\/strong><\/td><\/tr>\n<tr><td>1.000.000 TL<\/td><td>%2,89<\/td><td>120 ay<\/td><td><strong>29.879 TL<\/strong><\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Uzun vade ayl\u0131k taksiti d\u00fc\u015f\u00fcrse de toplam geri \u00f6deme tutar\u0131n\u0131 y\u00fckseltir. Konut kredisi kar\u015f\u0131la\u015ft\u0131rmas\u0131nda bu nedenle yaln\u0131zca ayl\u0131k taksite de\u011fil toplam geri \u00f6deme ve y\u0131ll\u0131k maliyet oran\u0131na da bak\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tasit_Kredisi_Faiz_Oranlari_2026\"><\/span>Ta\u015f\u0131t Kredisi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 d\u00f6neminde ta\u015f\u0131t kredisi ve finansman\u0131nda avantajl\u0131 oranlar yakla\u015f\u0131k <strong>%3,19<\/strong> seviyesinden ba\u015fl\u0131yor. Oran; arac\u0131n s\u0131f\u0131r veya ikinci el olmas\u0131, ara\u00e7 de\u011feri, kredi tutar\u0131 ve vade se\u00e7imine g\u00f6re de\u011fi\u015febiliyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Banka \/ Finans Kurulu\u015fu<\/th>\n<th>Ayl\u0131k Faiz \/ K\u00e2r Pay\u0131<\/th>\n<th>300.000 TL \/ 36 Ay Yakla\u015f\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>Albaraka T\u00fcrk<\/td><td><strong>\u2248 %3,19<\/strong><\/td><td>\u2248 16.191 TL<\/td><\/tr>\n<tr><td>Vak\u0131f Kat\u0131l\u0131m<\/td><td><strong>\u2248 %3,19<\/strong><\/td><td>\u2248 16.191 TL<\/td><\/tr>\n<tr><td>Kuveyt T\u00fcrk<\/td><td><strong>\u2248 %3,27<\/strong><\/td><td>\u2248 16.422 TL<\/td><\/tr>\n<tr><td>D\u00fcnya Kat\u0131l\u0131m<\/td><td><strong>\u2248 %3,29<\/strong><\/td><td>\u2248 16.480 TL<\/td><\/tr>\n<tr><td>ING<\/td><td><strong>\u2248 %3,29<\/strong><\/td><td>\u2248 16.480 TL<\/td><\/tr>\n<tr><td>T\u00fcrkiye Finans<\/td><td><strong>\u2248 %3,33<\/strong><\/td><td>\u2248 16.596 TL<\/td><\/tr>\n<tr><td>TEB<\/td><td><strong>\u2248 %3,39<\/strong><\/td><td>\u2248 16.772 TL<\/td><\/tr>\n<tr><td>Akbank<\/td><td><strong>\u2248 %3,40<\/strong><\/td><td>\u2248 16.801 TL<\/td><\/tr>\n<tr><td>Garanti BBVA<\/td><td><strong>\u2248 %3,45<\/strong><\/td><td>\u2248 16.948 TL<\/td><\/tr>\n<tr><td>Alternatif Bank<\/td><td><strong>\u2248 %3,49<\/strong><\/td><td>\u2248 17.066 TL<\/td><\/tr>\n<tr><td>\u015eekerbank<\/td><td><strong>\u2248 %3,50<\/strong><\/td><td>\u2248 17.095 TL<\/td><\/tr>\n<tr><td>ICBC Turkey<\/td><td><strong>\u2248 %3,83<\/strong><\/td><td>\u2248 18.081 TL<\/td><\/tr>\n<\/tbody>\n<\/table>\n<figcaption class=\"wp-element-caption\">Ta\u015f\u0131t kredisi faiz oranlar\u0131 2026<\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not:<\/strong> Ta\u015f\u0131t kredisi tutar\u0131 yaln\u0131zca m\u00fc\u015fterinin gelirine ba\u011fl\u0131 de\u011fildir. Arac\u0131n nihai fatura veya kasko de\u011feri, arac\u0131n ya\u015f\u0131 ve BDDK&#8217;n\u0131n kredi\/de\u011fer s\u0131n\u0131rlar\u0131 kullan\u0131labilecek kredi miktar\u0131 ile azami vadeyi etkiler.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"KOBI_ve_Ticari_Kredi_Faiz_Oranlari_2026\"><\/span>KOB\u0130 ve Ticari Kredi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KOB\u0130 ve ticari kredilerde bireysel kredilerdeki gibi t\u00fcm m\u00fc\u015fteriler i\u00e7in ge\u00e7erli tek bir faiz oran\u0131 bulunmuyor. \u0130\u015fletmenin cirosu, finansal tablolar\u0131, teminat yap\u0131s\u0131, faaliyet g\u00f6sterdi\u011fi sekt\u00f6r, kredi notu ve banka ile \u00e7al\u0131\u015fma ge\u00e7mi\u015fi fiyatlamay\u0131 do\u011frudan etkiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TCMB&#8217;nin eri\u015filebilir son haftal\u0131k verilerine g\u00f6re <strong>18 Eyl\u00fcl 2026 haftas\u0131nda TL ticari kredilerin a\u011f\u0131rl\u0131kl\u0131 ortalama y\u0131ll\u0131k faiz oran\u0131 %52,85<\/strong> seviyesinde ger\u00e7ekle\u015fti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu oran bir bankan\u0131n i\u015fletmeye ilan etti\u011fi ayl\u0131k KOB\u0130 kredi faizi de\u011fildir. Bankac\u0131l\u0131k sisteminde o hafta fiilen kulland\u0131r\u0131lan TL ticari kredilerin y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalamas\u0131n\u0131 ifade eder.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Karekod_Blog_Arastirmasi_Yillara_Gore_Bankalarin_Kredi_Faiz_Oranlari\"><\/span>Karekod Blog Ara\u015ft\u0131rmas\u0131: Y\u0131llara G\u00f6re Bankalar\u0131n Kredi Faiz Oranlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n kredi maliyetinin uzun vadede nas\u0131l de\u011fi\u015fti\u011fini g\u00f6rmek i\u00e7in TCMB&#8217;nin bankalarca a\u00e7\u0131lan kredilere uygulanan a\u011f\u0131rl\u0131kl\u0131 ortalama faiz verilerini kar\u015f\u0131la\u015ft\u0131rd\u0131k.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u015fa\u011f\u0131daki oranlar bankalar\u0131n reklamlar\u0131nda g\u00f6rd\u00fc\u011f\u00fcm\u00fcz ayl\u0131k kredi faizleri de\u011fil, <strong>y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalama kredi faizleridir<\/strong>. 2020-2025 d\u00f6neminde y\u0131l sonuna veya y\u0131l sonuna yak\u0131n bir referans hafta, 2026 i\u00e7in ise eri\u015filebilir son g\u00fcncel hafta kullan\u0131lm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-1049x590.webp\" alt=\"Y\u0131llara G\u00f6re Bankalar\u0131n Kredi Faiz Oranlar\u0131\" class=\"wp-image-61885\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Bankalarin-Kredi-Faiz-Oranlari.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Y\u0131llara G\u00f6re Bankalar\u0131n Kredi Faiz Oranlar\u0131<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Y\u0131l<\/th>\n<th>\u0130htiya\u00e7 Kredisi<\/th>\n<th>Konut Kredisi<\/th>\n<th>Ta\u015f\u0131t Kredisi<\/th>\n<th>Referans D\u00f6nem<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>2020<\/td><td><strong>%22,95<\/strong><\/td><td><strong>%18,69<\/strong><\/td><td><strong>%16,60<\/strong><\/td><td>25 Aral\u0131k 2020<\/td><\/tr>\n<tr><td>2021<\/td><td><strong>%29,6<\/strong><\/td><td><strong>%17,5<\/strong><\/td><td><strong>%26,2<\/strong><\/td><td>31 Aral\u0131k 2021<\/td><\/tr>\n<tr><td>2022<\/td><td><strong>%29,96<\/strong><\/td><td><strong>%20,07<\/strong><\/td><td><strong>%24,44<\/strong><\/td><td>23 Aral\u0131k 2022<\/td><\/tr>\n<tr><td>2023<\/td><td><strong>%61,7<\/strong><\/td><td><strong>%42,0<\/strong><\/td><td><strong>%32,8<\/strong><\/td><td>15 Aral\u0131k 2023<\/td><\/tr>\n<tr><td>2024<\/td><td><strong>%69,2<\/strong><\/td><td><strong>%41,0<\/strong><\/td><td><strong>%36,1<\/strong><\/td><td>20 Aral\u0131k 2024<\/td><\/tr>\n<tr><td>2025<\/td><td><strong>%64,6<\/strong><\/td><td><strong>%37,8<\/strong><\/td><td><strong>%34,1<\/strong><\/td><td>5 Aral\u0131k 2025<\/td><\/tr>\n<tr><td>2026<\/td><td><strong>%63,03<\/strong><\/td><td><strong>%41,96<\/strong><\/td><td><strong>%45,54<\/strong><\/td><td>18 Eyl\u00fcl 2026<\/td><\/tr>\n<\/tbody>\n<\/table>\n<figcaption class=\"wp-element-caption\">2020-2026 y\u0131llara g\u00f6re kredi faiz oranlar\u0131<\/figcaption>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Y\u0131llara g\u00f6re kredi faizleri, TCMB&#8217;nin bankalarca a\u00e7\u0131lan kredilere uygulanan haftal\u0131k a\u011f\u0131rl\u0131kl\u0131 ortalama faiz serilerindeki se\u00e7ili referans d\u00f6nemlerden haz\u0131rlanm\u0131\u015ft\u0131r.<\/em><\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Faizleri_2020den_2026ya_Nasil_Degisti\"><\/span>Kredi Faizleri 2020&#8217;den 2026&#8217;ya Nas\u0131l De\u011fi\u015fti?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Veriler kredi maliyetlerinde \u00f6zellikle 2023 sonras\u0131nda belirgin bir k\u0131r\u0131lma ya\u015fand\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2020 sonunda y\u0131ll\u0131k ortalama ihtiya\u00e7 kredisi faizi %22,95 seviyesindeyken 18 Eyl\u00fcl 2026 haftas\u0131nda %63,03&#8217;e y\u00fckseldi. Nominal art\u0131\u015f yakla\u015f\u0131k <strong>%175<\/strong> seviyesinde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konut kredisi ortalamas\u0131 ayn\u0131 d\u00f6nemde %18,69&#8217;dan %41,96&#8217;ya y\u00fckselirken art\u0131\u015f yakla\u015f\u0131k <strong>%125<\/strong> oldu. Ta\u015f\u0131t kredilerinde ise %16,60&#8217;tan %45,54&#8217;e \u00e7\u0131kan y\u0131ll\u0131k ortalama faiz yakla\u015f\u0131k <strong>%174<\/strong> nominal art\u0131\u015f g\u00f6sterdi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130htiya\u00e7 kredilerinde en sert y\u00fckseli\u015f 2022-2024 d\u00f6neminde ya\u015fand\u0131. 2022 sonunda %29,96 olan y\u0131ll\u0131k ortalama oran 2023 sonunda %61,7&#8217;ye, 2024 sonunda ise %69,2&#8217;ye kadar \u00e7\u0131kt\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2025 ve 2026 d\u00f6neminde ihtiya\u00e7 kredisi faizlerinde zirve seviyelere g\u00f6re s\u0131n\u0131rl\u0131 gerileme g\u00f6r\u00fclse de konut ve \u00f6zellikle ta\u015f\u0131t kredi maliyetleri y\u00fcksek seviyelerini koruyor.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026_Kredi_Faizleri_Neden_Hala_Yuksek\"><\/span>2026 Kredi Faizleri Neden H\u00e2l\u00e2 Y\u00fcksek?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">TCMB, 10 Eyl\u00fcl 2026 tarihli Para Politikas\u0131 Kurulu toplant\u0131s\u0131nda politika faizi olan bir hafta vadeli repo ihale faiz oran\u0131n\u0131 <strong>%37<\/strong> seviyesinde sabit tuttu. Gecelik bor\u00e7 verme faizi %40, gecelik bor\u00e7lanma faizi ise %35,5 seviyesinde kald\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politika faizi kredi faizlerini etkileyen \u00f6nemli de\u011fi\u015fkenlerden biri olsa da bankalar\u0131n kredi fiyatlamas\u0131 yaln\u0131zca politika faizine g\u00f6re yap\u0131lm\u0131yor. Mevduat maliyetleri, bankan\u0131n fonlama yap\u0131s\u0131, enflasyon beklentileri, kredi riski, likidite, makroihtiyati d\u00fczenlemeler ve kredi talebi de oranlar\u0131 etkiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle politika faizi %37 seviyesindeyken bankalar\u0131n t\u00fcketiciye ayl\u0131k %2-%5 aral\u0131\u011f\u0131nda kredi faizleri sunmas\u0131 veya TCMB sekt\u00f6r verilerinde y\u0131ll\u0131k %63 seviyesinde ihtiya\u00e7 kredisi ortalamas\u0131 g\u00f6r\u00fclmesi bir \u00e7eli\u015fki de\u011fildir. Oranlar farkl\u0131 y\u00f6ntemlerle hesaplan\u0131yor.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aylik_Kredi_Faizi_ile_Yillik_Kredi_Faizi_Ayni_Sey_mi\"><\/span>Ayl\u0131k Kredi Faizi ile Y\u0131ll\u0131k Kredi Faizi Ayn\u0131 \u015eey mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hay\u0131r.<\/strong> Bankalar\u0131n t\u00fcketiciye sundu\u011fu ihtiya\u00e7, konut ve ta\u015f\u0131t kredilerinde ekranda g\u00f6r\u00fclen faiz veya k\u00e2r pay\u0131 oran\u0131 \u00e7o\u011funlukla ayl\u0131k olarak ilan edilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TCMB&#8217;nin kredi faiz istatistikleri ise bankalar\u0131n belirli bir haftada kulland\u0131rd\u0131\u011f\u0131 kredilerin a\u011f\u0131rl\u0131kl\u0131 ortalamas\u0131n\u0131 y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f \u015fekilde g\u00f6sterir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin QNB&#8217;nin yeni m\u00fc\u015fteriye 12 ay vadede %2,84 ayl\u0131k ihtiya\u00e7 kredisi sunmas\u0131 ile TCMB&#8217;nin 18 Eyl\u00fcl haftas\u0131nda ihtiya\u00e7 kredileri i\u00e7in %63,03 y\u0131ll\u0131k sekt\u00f6r ortalamas\u0131 a\u00e7\u0131klamas\u0131 ayn\u0131 veri de\u011fildir ve do\u011frudan kar\u015f\u0131la\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ihtiyac_Kredisi_Vade_Sinirlari_2026\"><\/span>\u0130htiya\u00e7 Kredisi Vade S\u0131n\u0131rlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130htiya\u00e7 kredilerinde kullan\u0131labilecek azami vade kredi tutar\u0131na g\u00f6re de\u011fi\u015fiyor:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>\u0130htiya\u00e7 Kredisi Tutar\u0131<\/th>\n<th>Azami Vade<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>125.000 TL ve alt\u0131<\/td><td><strong>36 ay<\/strong><\/td><\/tr>\n<tr><td>125.001 TL &#8211; 250.000 TL<\/td><td><strong>24 ay<\/strong><\/td><\/tr>\n<tr><td>250.000 TL \u00fczeri<\/td><td><strong>12 ay<\/strong><\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle \u00f6zellikle y\u00fcksek tutarl\u0131 ihtiya\u00e7 kredilerinde faiz oran\u0131 d\u00fc\u015f\u00fck olsa bile k\u0131sa vade ayl\u0131k \u00f6deme y\u00fck\u00fcn\u00fc ciddi bi\u00e7imde art\u0131rabilir.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Faiz_Orani_Neye_Gore_Belirlenir\"><\/span>Kredi Faiz Oran\u0131 Neye G\u00f6re Belirlenir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kredi notu:<\/strong> Bankan\u0131n m\u00fc\u015fteriye uygulayaca\u011f\u0131 oran\u0131 ve kredi onay\u0131n\u0131 etkiler.<\/li>\n<li><strong>Gelir seviyesi:<\/strong> Ayl\u0131k taksitlerin d\u00fczenli kar\u015f\u0131lan\u0131p kar\u015f\u0131lanamayaca\u011f\u0131 de\u011ferlendirilir.<\/li>\n<li><strong>Mevcut bor\u00e7lar:<\/strong> Kredi ve kredi kart\u0131 bor\u00e7lar\u0131n\u0131n gelire oran\u0131 dikkate al\u0131n\u0131r.<\/li>\n<li><strong>Kredi tutar\u0131:<\/strong> Ayn\u0131 bankada farkl\u0131 tutarlara farkl\u0131 oran uygulanabilir.<\/li>\n<li><strong>Vade:<\/strong> Faiz oran\u0131 12, 24, 36 veya daha uzun vadelerde de\u011fi\u015febilir.<\/li>\n<li><strong>Yeni m\u00fc\u015fteri kampanyas\u0131:<\/strong> \u0130lk kez m\u00fc\u015fteri olanlara standart oranlardan daha d\u00fc\u015f\u00fck teklifler sunulabilir.<\/li>\n<li><strong>Sigorta:<\/strong> Hayat sigortal\u0131 ve sigortas\u0131z \u00fcr\u00fcnlerin faiz oran\u0131 farkl\u0131 olabilir.<\/li>\n<li><strong>Maa\u015f m\u00fc\u015fterisi olmak:<\/strong> Baz\u0131 bankalar maa\u015f m\u00fc\u015fterilerine \u00f6zel oran uygulayabilir.<\/li>\n<li><strong>Teminat:<\/strong> Konut, ta\u015f\u0131t ve ticari kredilerde kullan\u0131lan teminat fiyatlamay\u0131 etkileyebilir.<\/li>\n<\/ul>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Cekerken_Sadece_Faiz_Oranina_Bakmayin\"><\/span>Kredi \u00c7ekerken Sadece Faiz Oran\u0131na Bakmay\u0131n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ayn\u0131 kredi tutar\u0131 ve vadede iki bankan\u0131n nominal faiz oran\u0131 birbirine yak\u0131n olsa bile toplam maliyet ayn\u0131 olmayabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kar\u015f\u0131la\u015ft\u0131r\u0131rken \u00f6zellikle \u015fu kalemleri birlikte kontrol etmek gerekir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ayl\u0131k taksit,<\/li>\n<li>toplam geri \u00f6deme,<\/li>\n<li>y\u0131ll\u0131k toplam maliyet oran\u0131,<\/li>\n<li>kredi tahsis \u00fccreti,<\/li>\n<li>hayat sigortas\u0131,<\/li>\n<li>ekspertiz ve ipotek giderleri,<\/li>\n<li>zorunlu veya kampanyaya ba\u011fl\u0131 ek \u00fcr\u00fcnler.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zellikle konut kredisi gibi uzun vadeli finansmanlarda ayl\u0131k faiz oran\u0131ndaki birka\u00e7 ondal\u0131k puanl\u0131k de\u011fi\u015fim toplam geri \u00f6demede y\u00fcz binlerce liral\u0131k fark olu\u015fturabilir.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"En_Dusuk_Kredi_Faizi_Hangi_Bankada\"><\/span>En D\u00fc\u015f\u00fck Kredi Faizi Hangi Bankada?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tek bir bankay\u0131 t\u00fcm kredi t\u00fcrleri, tutarlar ve vadeler i\u00e7in \u201cen d\u00fc\u015f\u00fck faizli banka\u201d olarak g\u00f6stermek do\u011fru de\u011fildir. En avantajl\u0131 banka kredi t\u00fcr\u00fcne ve m\u00fc\u015fteri profiline g\u00f6re de\u011fi\u015fir.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th>Kredi T\u00fcr\u00fc<\/th>\n<th>1 Ekim 2026&#8217;da \u00d6ne \u00c7\u0131kan Alt Seviye<\/th>\n<th>A\u00e7\u0131klama<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>\u0130htiya\u00e7 Finansman\u0131<\/td><td><strong>%1,99<\/strong><\/td><td>Yeni m\u00fc\u015fteri, belirli \u00fcr\u00fcn ve vade ko\u015fullu<\/td><\/tr>\n<tr><td>Standart \/ Yeni M\u00fc\u015fteri \u0130htiya\u00e7 Kredisi<\/td><td><strong>%2,84<\/strong><\/td><td>QNB 100.000 TL&#8217;ye kadar \/ 12 ay yeni m\u00fc\u015fteri \u00f6rne\u011fi<\/td><\/tr>\n<tr><td>Konut Kredisi \/ Finansman\u0131<\/td><td><strong>Yakla\u015f\u0131k %2,9<\/strong><\/td><td>Banka ve kampanyaya g\u00f6re de\u011fi\u015fiyor<\/td><\/tr>\n<tr><td>Ta\u015f\u0131t Kredisi \/ Finansman\u0131<\/td><td><strong>Yakla\u015f\u0131k %3,19<\/strong><\/td><td>Ara\u00e7 ve finansman ko\u015fullar\u0131na g\u00f6re de\u011fi\u015fiyor<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle kredi ba\u015fvurusu yap\u0131laca\u011f\u0131 g\u00fcn birka\u00e7 bankan\u0131n <strong>ayn\u0131 kredi tutar\u0131 ve ayn\u0131 vade<\/strong> \u00fczerinden toplam geri \u00f6deme tutar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak en sa\u011fl\u0131kl\u0131 y\u00f6ntemdir.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kredi_Faizleri_Duser_mi\"><\/span>Kredi Faizleri D\u00fc\u015fer mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 itibar\u0131yla TCMB politika faizi %37 seviyesinde. Kredi faizlerinin bundan sonraki y\u00f6n\u00fc enflasyon, mevduat faizleri, bankalar\u0131n fonlama maliyetleri, kredi talebi, risk primi ve Merkez Bankas\u0131&#8217;n\u0131n para politikas\u0131 kararlar\u0131na ba\u011fl\u0131 olacak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politika faizinde ileride ya\u015fanabilecek indirimlerin kredi faizlerine ayn\u0131 g\u00fcn ve ayn\u0131 oranda yans\u0131mas\u0131 beklenmemeli. Bankalar kredi fiyatlamas\u0131n\u0131 kendi fonlama maliyetleri ve risk politikalar\u0131na g\u00f6re farkl\u0131 h\u0131zlarda de\u011fi\u015ftirebilir.<\/p>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bankalarin_Kredi_Faiz_Oranlari_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>Bankalar\u0131n Kredi Faiz Oranlar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"karekod-faq\">\n\n<h3>\u0130htiya\u00e7 kredisi faiz oranlar\u0131 ne kadar?<\/h3>\n<p>1 Ekim 2026 itibar\u0131yla yeni m\u00fc\u015fterilere \u00f6zel ihtiya\u00e7 finansman\u0131 kampanyalar\u0131nda oranlar %1,99 seviyesinden ba\u015flayabiliyor. QNB&#8217;nin yeni m\u00fc\u015fteri kampanyas\u0131nda 100.000 TL&#8217;ye kadar 12 ay vadeli ihtiya\u00e7 kredisi oran\u0131 %2,84&#8217;t\u00fcr. Standart teklifler m\u00fc\u015fteri profiline g\u00f6re daha y\u00fcksek olabilir.<\/p>\n\n<h3>En d\u00fc\u015f\u00fck ihtiya\u00e7 kredisi faizi hangi bankada?<\/h3>\n<p>En d\u00fc\u015f\u00fck oran kampanya ko\u015fullar\u0131na g\u00f6re de\u011fi\u015fmektedir. Kuveyt T\u00fcrk&#8217;\u00fcn yeni m\u00fc\u015fterilere \u00f6zel \u0130htiya\u00e7 Kart kampanyas\u0131nda %1,99 oran bulunurken QNB yeni m\u00fc\u015fterilere 12 ay vadede %2,84 ihtiya\u00e7 kredisi sunmaktad\u0131r.<\/p>\n\n<h3>Konut kredisi faiz oranlar\u0131 ne kadar?<\/h3>\n<p>1 Ekim 2026 d\u00f6neminde avantajl\u0131 konut kredisi ve konut finansman\u0131 oranlar\u0131 yakla\u015f\u0131k %2,9 band\u0131nda ba\u015flamaktad\u0131r. Nihai oran kredi tutar\u0131, vade, m\u00fc\u015fteri profili ve kampanya \u015fartlar\u0131na g\u00f6re de\u011fi\u015febilir.<\/p>\n\n<h3>1 milyon TL konut kredisi ayl\u0131k ne kadar?<\/h3>\n<p>%2,89 ayl\u0131k faiz oran\u0131yla 1 milyon TL konut kredisinde ayl\u0131k taksit 60 ay vadede yakla\u015f\u0131k 35.286 TL, 120 ay vadede yakla\u015f\u0131k 29.879 TL&#8217;dir.<\/p>\n\n<h3>Ta\u015f\u0131t kredisi faiz oranlar\u0131 ne kadar?<\/h3>\n<p>1 Ekim 2026 d\u00f6neminde 300.000 TL ve 36 ay vadeli ta\u015f\u0131t finansman\u0131nda yakla\u015f\u0131k %3,19 seviyesinden ba\u015flayan se\u00e7enekler g\u00f6r\u00fclebilmektedir.<\/p>\n\n<h3>300.000 TL ta\u015f\u0131t kredisi ayl\u0131k ne kadar?<\/h3>\n<p>%3,19 ayl\u0131k faiz veya k\u00e2r pay\u0131 ve 36 ay vade \u00f6rne\u011finde 300.000 TL ta\u015f\u0131t finansman\u0131 i\u00e7in ayl\u0131k \u00f6deme yakla\u015f\u0131k 16.191 TL seviyesindedir.<\/p>\n\n<h3>2026 y\u0131l\u0131nda ihtiya\u00e7 kredisi en fazla ka\u00e7 ay?<\/h3>\n<p>125.000 TL ve alt\u0131ndaki ihtiya\u00e7 kredilerinde azami 36 ay, 125.001-250.000 TL aras\u0131ndaki kredilerde 24 ay, 250.000 TL \u00fczerindeki kredilerde ise azami 12 ay vade uygulanmaktad\u0131r.<\/p>\n\n<h3>TCMB politika faizi ka\u00e7?<\/h3>\n<p>TCMB&#8217;nin 10 Eyl\u00fcl 2026 tarihli son Para Politikas\u0131 Kurulu karar\u0131na g\u00f6re politika faizi %37 seviyesindedir.<\/p>\n\n<h3>TCMB ihtiya\u00e7 kredisi faizi ne kadar?<\/h3>\n<p>TCMB&#8217;nin eri\u015filebilir son haftal\u0131k verisine g\u00f6re 18 Eyl\u00fcl 2026 haftas\u0131nda ihtiya\u00e7 kredilerinin y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalama faiz oran\u0131 %63,03&#8217;t\u00fcr.<\/p>\n\n<h3>TCMB konut kredisi faizi ne kadar?<\/h3>\n<p>18 Eyl\u00fcl 2026 haftas\u0131nda bankalar\u0131n kulland\u0131rd\u0131\u011f\u0131 konut kredilerinin y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalama faiz oran\u0131 %41,96 olarak ger\u00e7ekle\u015fmi\u015ftir.<\/p>\n\n<h3>Kredi faiz oranlar\u0131 neden bankadan bankaya de\u011fi\u015fiyor?<\/h3>\n<p>Bankalar\u0131n fonlama maliyeti, kredi politikas\u0131, kredi notu, gelir durumu, kredi tutar\u0131, vade, sigorta tercihi ve kampanya ko\u015fullar\u0131 farkl\u0131 oldu\u011fu i\u00e7in ayn\u0131 tarihte farkl\u0131 oranlar uygulanabilir.<\/p>\n\n<h3>Ayl\u0131k kredi faizi ile TCMB&#8217;nin y\u0131ll\u0131k kredi faizi neden farkl\u0131?<\/h3>\n<p>Bankalar\u0131n m\u00fc\u015fteriye ilan etti\u011fi oran genellikle ayl\u0131kt\u0131r. TCMB&#8217;nin a\u00e7\u0131klad\u0131\u011f\u0131 oranlar ise bankalar\u0131n fiilen kulland\u0131rd\u0131\u011f\u0131 kredilerin y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalamas\u0131d\u0131r. Bu nedenle iki oran do\u011frudan kar\u015f\u0131la\u015ft\u0131r\u0131lamaz.<\/p>\n\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0130htiya\u00e7 kredisi faiz oranlar\u0131 ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"1 Ekim 2026 itibar\u0131yla yeni m\u00fc\u015fterilere \u00f6zel ihtiya\u00e7 finansman\u0131 kampanyalar\u0131nda oranlar y\u00fczde 1,99 seviyesinden ba\u015flayabiliyor. QNB'nin yeni m\u00fc\u015fteri kampanyas\u0131nda 100.000 TL'ye kadar 12 ay vadeli ihtiya\u00e7 kredisi oran\u0131 y\u00fczde 2,84't\u00fcr.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Konut kredisi faiz oranlar\u0131 ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"1 Ekim 2026 d\u00f6neminde avantajl\u0131 konut kredisi ve konut finansman\u0131 oranlar\u0131 yakla\u015f\u0131k y\u00fczde 2,9 band\u0131nda ba\u015flamaktad\u0131r. Nihai oran banka, tutar, vade ve m\u00fc\u015fteri profiline g\u00f6re de\u011fi\u015febilir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"1 milyon TL konut kredisi ayl\u0131k ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Y\u00fczde 2,89 ayl\u0131k faiz oran\u0131yla 1 milyon TL konut kredisinde ayl\u0131k taksit 60 ay vadede yakla\u015f\u0131k 35.286 TL, 120 ay vadede yakla\u015f\u0131k 29.879 TL'dir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Ta\u015f\u0131t kredisi faiz oranlar\u0131 ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"1 Ekim 2026 d\u00f6neminde 300.000 TL ve 36 ay vadeli ta\u015f\u0131t finansman\u0131nda yakla\u015f\u0131k y\u00fczde 3,19 seviyesinden ba\u015flayan se\u00e7enekler g\u00f6r\u00fclebilmektedir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"TCMB politika faizi ka\u00e7?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"TCMB'nin 10 Eyl\u00fcl 2026 tarihli son Para Politikas\u0131 Kurulu karar\u0131na g\u00f6re politika faizi y\u00fczde 37 seviyesindedir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"2026 y\u0131l\u0131nda ihtiya\u00e7 kredisi en fazla ka\u00e7 ay?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"125.000 TL ve alt\u0131ndaki ihtiya\u00e7 kredilerinde azami 36 ay, 125.001-250.000 TL aras\u0131ndaki kredilerde 24 ay, 250.000 TL \u00fczerindeki kredilerde ise azami 12 ay vade uygulanmaktad\u0131r.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"TCMB ihtiya\u00e7 kredisi faizi ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"18 Eyl\u00fcl 2026 haftas\u0131nda ihtiya\u00e7 kredilerinin y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalama faiz oran\u0131 y\u00fczde 63,03't\u00fcr.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"TCMB konut kredisi faizi ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"18 Eyl\u00fcl 2026 haftas\u0131nda konut kredilerinin y\u0131ll\u0131kland\u0131r\u0131lm\u0131\u015f a\u011f\u0131rl\u0131kl\u0131 ortalama faiz oran\u0131 y\u00fczde 41,96 olarak ger\u00e7ekle\u015fmi\u015ftir.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaynak_ve_Guncelleme_Notu\"><\/span>Kaynak ve G\u00fcncelleme Notu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bu ara\u015ft\u0131rmada bankalar\u0131n a\u00e7\u0131k kredi ve kampanya sayfalar\u0131nda yer alan oranlar ile ayn\u0131 tutar ve vade i\u00e7in yay\u0131mlanan g\u00fcncel kredi kar\u015f\u0131la\u015ft\u0131rmalar\u0131 birlikte de\u011ferlendirilmi\u015ftir. Tarihsel ve sekt\u00f6rel faiz verilerinde T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131&#8217;n\u0131n haftal\u0131k a\u011f\u0131rl\u0131kl\u0131 ortalama kredi faiz serileri esas al\u0131nm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Son g\u00fcncelleme: 1 Ekim 2026.<\/strong> \u0130htiya\u00e7, konut, ta\u015f\u0131t ve ticari kredi faizleri; TCMB politika faizi; ihtiya\u00e7 kredisi vade s\u0131n\u0131rlar\u0131 ve 2020-2026 y\u0131llara g\u00f6re kredi faizleri yeniden kontrol edilmi\u015ftir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1 Ekim 2026 itibar\u0131yla bankalar\u0131n kredi faiz oranlar\u0131; kredi t\u00fcr\u00fc, tutar, vade, kredi notu, gelir durumu ve kampanya ko\u015fullar\u0131na g\u00f6re [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":61882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958,53],"tags":[],"class_list":["post-33031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-haberler"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bankalar\u0131n Kredi Faiz Oranlar\u0131 2026: \u0130htiya\u00e7, Konut ve Ta\u015f\u0131t<\/title>\n<meta name=\"description\" content=\"1 Ekim 2026 banka kredi faiz oranlar\u0131: ihtiya\u00e7, konut ve ta\u015f\u0131t kredilerinde g\u00fcncel oranlar, ayl\u0131k taksitler ve y\u0131llara g\u00f6re kredi faizleri.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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