Sadeleşme Süreci Kapsamında Menkul Kıymet Tesisi ve Kredi Kartına Uygulanacak Azami Oranlardaki Değişiklikler
Türkiye Cumhuriyet Merkezi Bankası (TCMB) internet sitesinde ilan edilen Para Politikası Kurulu’nun (PPK) 20.07.2023 tarihli Kararı’nda politika faizi %15’ten %17,5 düzeyine yükseltilmiş ve kademeli parasal sıkılaştırma sürecini destekleyecek seçici kredi ve miktarsal sıkılaştırmaya gidileceği ifade edilmişti. Akabinde 21.07.2023 tarihli değişiklik ile kur koruma desteği sağlanan hesaplar için %15 oranında zorunlu karşılık tesis etme yükümlülüğü getirilmişti.
Bu defa yürütülmekte olan sadeleşme süreci kapsamında 25.07.2023 tarihli ve 32259 sayılı Resmi Gazete’de Menkul Kıymet Tesisi Hakkında Tebliğde Değişiklik Yapılmasına Dair Tebliğ (Sayı: 2023/18) ve Kredi Kartı İşlemlerinde Uygulanacak Azami Faiz Oranları Hakkında Tebliğ (Sayı: 2020/16)’de Değişiklik Yapılmasına Dair Tebliğ (2023/19) yayımlanmış ve aynı zamanda TCMB internet sitesinde 25.07.2023 tarihli Seçici Kredi ve Miktarsal Sıkılaştırma Kararları Hakkında Basın Duyurusu’da ilan edilmiştir. Yapılan değişikliklere özetle aşağıda yer verilmiştir:
Menkul Kıymet (MK) Tesisi:
- Kredi büyümesine göre MK tesisi kapsamında %3 olan aylık büyüme sınırı %2 olarak belirlenmiş olup; 29.07.2023 tarihinde yürürlüğe girecektir.
- Bilindiği üzere belirlenen büyüme oranı TCMB’ce belirlenen kredi türleri için daha yüksek uygulanabilmektedir. Kredi büyümesine göre MK tesisi kapsamında %3 olan TL ticari krediler için aylık büyüme sınırının %2,5 olarak belirlenmesine karar verilmiştir. İhracat, yatırım, tarım ve esnaf kredileri bu sınırlandırmanın dışında tutulmuştur.
- İhracat ve yatırım kredileri hariç TL ticari kredilerde birinci kademe kaldırılarak faiz sınırının tek kademe olarak uygulanmasına karar verilmiştir.
- Taşıt kredilerinde %3 olan büyüme sınırının %2 olarak belirlenmesine, ihtiyaç kredilerinde değişikliğe gidilmeyerek %3 sınırının korunmasına karar verilmiştir.
- İhracat ve yatırım kredileri ile deprem bölgesine yönelik krediler TCMB’nin kredileri sınırlandırıcı tüm tedbirlerinin dışında tutulacaktır.
- Detaylarının TCMB tarafından Menkul Kıymet Tesisine ilişkin Uygulama Talimatı’nın yayımlanması ile birlikte görüleceği söylenebilecektir.
Kredi Kartı İşlemlerinde Uygulanacak Azami Oranlar:
- Türk Lirası (TL) cinsinden kredi kartı işlemlerine uygulanacak oranlarda “kredi kartı nakit çekim ve kullanım işlemleri (kredi kartı nakit kullanımları ve kredili mevduat hesapları) ” ile “diğer kredi kartı işlemleri” olmak üzere ikili bir ayrıma gidilmiştir.
- TL cinsinden kredi kartları vasıtasıyla yapılan nakit çekim veya kullanım işlemlerinde uygulanacak aylık azami akdi faiz oranının aylık referans orana 131 baz puan eklenerek belirleneceği kuralı getirilmiştir.
Enflasyonun kontrolü ve iç talebin dengelenmesi kapsamında yapılan bu değişiklikler ışığında; kredi kartı aylık azami akdi kâr payı ve gecikme cezası oranları ile üye işyerlerine uygulanacak azami komisyon oranları da güncellenmiştir. Bu kapsamda TCMB resmi internet sitesinin İstatistikler / Bankacılık Verileri / Kredi Kartı İşlemlerinde Uygulanacak Azami Faiz Oranları bölümünde 1 Ağustos 2023 tarihinden itibaren geçerli olmak üzere kredi kartı ve kredili mevduat hesabı (KMH) işlemlerinde uygulanacak ilan edilen azami faiz oranlarına aşağıda yer verilmiştir:
| Geçerlilik Dönemi | Referans Oran | Türk Lirası | Yabancı Para (YP) | ||||
| Kredi Kartı İşlemlerinde Uygulanacak | Nakit Çekim veya Kullanım İşlemlerinde Uygulanacak*
*Kredili mevduat hesapları için de geçerlidir. |
Kredi Kartı İşlemlerinde Uygulanacak | |||||
| Azami Akdi Faiz Oranı | Azami Gecikme Faiz Oranı | Azami Akdi Faiz Oranı | Azami Gecikme Faiz Oranı | Azami Akdi Faiz Oranı | Azami Gecikme Faiz Oranı | ||
| 01.08.2023-31.08.2023 | %1,58 | %2,13 | %2,43 | %2,89 | %3,19 | %1,70 | %2,00 |
| 01.07.2023-31.07.2023 | %1,36 | %1,91 | %2,21 | %1,91 | %2,21 | %1,53 | %1,83 |
1 Ağustos 2023’ten itibaren TL ve YP cinsinden kredi kartı (bireysel ve kurumsal) ve kredili mevduat hesabı (KMH – bireysel ve ticari) işlemlerinde geçerli olacak azami oranlar, 1 Temmuz 2023 tarihinden bu yana uygulanmakta olan mevcut azami oranlarla karşılaştırmalı olarak görülmesi açısından aşağıda yer verilmektedir:
| Kredi Kartı İşlemlerinde (Nakit çekim veya kullanım işlemleri hariç) Uygulanacak Aylık Azami Oranlar | ESKİ | YENİ |
| TL cinsi aylık azami akdi faiz oranı | %1,91 | %2,13 |
| YP cinsi aylık azami akdi faiz oranı | %1,53 | %1,70 |
| TL cinsi aylık azami gecikme faiz oranı | %2,21 | %2,43 |
| YP cinsi aylık azami gecikme faiz oranı | %1,83 | %2,00 |
| Nakit Çekim veya Kullanım İşlemlerinde Uygulanacak Aylık Azami Oranlar | ESKİ | YENİ |
| TL cinsi aylık azami akdi faiz oranı | %1,91 | %2,89 |
| TL cinsi aylık azami gecikme faiz oranı | %2,21 | %3,19 |
Bakıldığında, kredi kartı işlemlerinde (nakit çekim veya kullanım işlemleri hariç) uygulanacak aylık azami akdi ve azami gecikme faizi oranlarında TL işlemlerde 22 baz puan, YP işlemlerde 17 baz puan artırıma gidilmiştir. TL cinsinden kredi kartı nakit kullanımları ve KMH işlemlerinde ise uygulanacak aylık azami akdi ve azami gecikme faizi oranlarında 98 baz puan artırıma gidilmiştir.
5464 sayılı Banka Kartları ve Kredi Kartları Kanunu’nun faiz hesaplaması başlıklı 26.maddesi uyarınca Katılım Bankaları açısından bu Kanun uygulamasında yer alan faiz “kâr payı”, gecikme faizi ise “gecikme cezası” olarak tatbik edilmektedir. Bu yazıda faiz ve gecikme faizi olarak geçen ibareler; faizsiz bankacılık alanında faaliyet gösteren Katılım Bankaları açısından işleyiş ve çalışma farklılıklarına binaen “kâr payı” ve “gecikme cezası” olarak anlaşılmalıdır. Katılım bankalarınca kredi kartı işlemlerinde uygulanacak aylık akdi kâr payı ve gecikme cezası oranları; hali hazırda TCMB’ce belirlenen aylık azami akdi ve gecikme faiz oranlarını geçemez.
Üye İşyerlerine Uygulanacak Azami Komisyon Oranları
TCMB resmi internet sitesinin İstatistikler / Bankacılık Verileri / Üye İşyerlerine Uygulanacak Azami Komisyon Oranları bölümünde 1 Ağustos 2023 tarihinden itibaren geçerli olmak üzere üye işyerlerine uygulanacak ilan edilen azami komisyon oranları – bir önceki dönemin oranlarına da yer verilerek karşılaştırmalı olarak – aşağıda belirtilmiştir:
| Geçerlilik Dönemi | Referans Oran (%) | Taksitsiz (Peşin) İşlemler için Azami Komisyon Oranı (%) | Taksitli İşlemlerde Her İlave Taksit için Azami Artış Oranı (%) |
| 01.08.2023 – 31.08.2023 | 1,58 | 2,03 | 1,015 |
| 01.07.2023 – 31.07.2023 | 1,36 | 1,81 | 0,905 |
Bakıldığında peşin işlemler için uygulanacak azami komisyon oranında 22 baz puan artırıma gidilmiştir. Taksitli mal ve hizmet alımlarında azami komisyon oranı, taksitsiz işlemlerde geçerli olan azami komisyon oranına her bir taksit için bu oranın en fazla %50’si ilave edilerek uygulanmaktadır. Tabloda yer alan komisyon oranları ilgili dönemler için geçerli olan azami oranlar olup, tespit edilecek komisyon oranları rekabetçi piyasa şartları ve bankalar ile üye işyerleri arasındaki iş ilişkisi çerçevesinde serbestçe belirlenebilecektir.
Saygılarımızla,
Vahdet Deniz AKÇAOĞLU
“UYARI: Bu çalışmada yer alan görüşler, yazarın kendi görüşleri olup, çalıştığı kurumun görüşlerini yansıtmamaktadır. Bu yazı yalnızca bilgilendirme amacıyla yayımlanmış olup, herhangi bir hukuki görüş, yönlendirme ve tavsiye içermemektedir. Ayrıca, bilgiler yazının hazırlandığı tarihteki mevzuat göz önünde bulundurularak verilmiş olup, yazı içeriği aradan geçen zaman içerisinde mevzuat değişiklikleri ve ilgili kurumların konu hakkındaki görüşleri çerçevesinde güncelliğini yitirmiş olabilir.”
Makalenin yazarı Vahdet Deniz AKÇAOĞLU, 2007 – 2009 yılları arasında özel bir bankanın İç Kontrol Merkezi Başkanlığı’nda Denetçi olarak, 2009 yılından 2018 yılına kadar aynı bankanın Uyum Başkanlığı’nda Ürün ve Hizmetler Uyum Kontrol Yöneticisi olarak görev yaptı. 2019 yılından itibaren de İç Kontrol ve Uyum Başkanlığı’nda Etik ve Mevzuat Takip Yöneticisi olarak görev yapmaktadır. Bankacılık ve sermaye piyasası mevzuatı ile kurumsal yönetim, etik, iç sistemler konuları başta olmak üzere banka ve finans kurumlarını ilgilendiren her türlü mevzuat üzerinde çalışmaktadır.
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