Arnavutluk\u2019ta ticari bankalara yap\u0131lan kredi ba\u015fvurular\u0131 y\u0131l\u0131n ilk yar\u0131s\u0131nda ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %22 artt\u0131. Arnavutluk Merkez Bankas\u0131 verilerine g\u00f6re, y\u0131l\u0131n ilk alt\u0131 ay\u0131nda bankalara toplam 90 bin 380 kredi ba\u015fvurusu yap\u0131ld\u0131 ve ba\u015fvurular\u0131n yakla\u015f\u0131k %30,4\u2019\u00fc reddedildi.<\/p>\n
Verilere g\u00f6re, incelenen ba\u015fvurular\u0131n yakla\u015f\u0131k 63 bini onayland\u0131. Bankalar\u0131n kredi taleplerini reddetmesinde; ge\u00e7mi\u015fte kredilerin geri \u00f6denmesine ili\u015fkin olumsuz kay\u0131tlar, yeni kredilerin geri \u00f6denmesi i\u00e7in yeterli gelir bulunmamas\u0131 y\u00f6n\u00fcndeki endi\u015feler ve bankalar\u0131n kredi kulland\u0131rma konusunda daha temkinli bir yakla\u015f\u0131m benimsemesi etkili oldu.<\/p>\n
Kredi ba\u015fvurular\u0131n\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc bireysel m\u00fc\u015fteriler olu\u015fturdu. \u0130lk alt\u0131 ayda bireyler taraf\u0131ndan 81 bin 239 kredi ba\u015fvurusu yap\u0131l\u0131rken, bunlar\u0131n 26 bin 321\u2019i reddedildi.<\/p>\n
\u0130\u015fletmeler ise ayn\u0131 d\u00f6nemde 9 bin 141 kredi ba\u015fvurusunda bulundu. Bu ba\u015fvurular\u0131n 1.398\u2019i onaylanmad\u0131.<\/p>\n
Kredi ba\u015fvurular\u0131ndaki ret oran\u0131, yabanc\u0131 sermayeli bankalarda %38,3 ile daha y\u00fcksek seviyede ger\u00e7ekle\u015firken, yerli sermayeli bankalarda bu oran %11,1 oldu.<\/p>\n
Bankac\u0131l\u0131k sekt\u00f6r\u00fcnde yaln\u0131zca kredi ba\u015fvurular\u0131nda de\u011fil, onaylanan yeni kredilerin toplam hacminde de art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/p>\n
Y\u0131l\u0131n ilk sekiz ay\u0131nda bankalar bireyler ve i\u015fletmeler i\u00e7in toplam 301,5 milyar lek tutar\u0131nda yeni krediyi onaylad\u0131. Ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6neminde bu rakam 272,6 milyar lek seviyesindeydi.<\/p>\n
B\u00f6ylece onaylanan yeni kredilerin hacmi, 2025\u2019in ilk sekiz ay\u0131na k\u0131yasla 28,9 milyar lek artt\u0131.<\/p>\n
Veriler, kredi talebindeki art\u0131\u015f\u0131n yan\u0131 s\u0131ra bankalar\u0131n yeni kredi kulland\u0131rma hacminde de belirgin bir y\u00fckseli\u015f ya\u015fand\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n
\/ Bora Meco \/<\/p>\n","protected":false},"excerpt":{"rendered":"
Arnavutluk\u2019ta ticari bankalara yap\u0131lan kredi ba\u015fvurular\u0131 y\u0131l\u0131n ilk yar\u0131s\u0131nda ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %22 artt\u0131. Arnavutluk Merkez Bankas\u0131 verilerine g\u00f6re, y\u0131l\u0131n ilk alt\u0131 ay\u0131nda bankalara toplam 90 bin 380 kredi ba\u015fvurusu yap\u0131ld\u0131 ve ba\u015fvurular\u0131n yakla\u015f\u0131k %30,4\u2019\u00fc reddedildi. Verilere g\u00f6re, incelenen ba\u015fvurular\u0131n yakla\u015f\u0131k 63 bini onayland\u0131. Bankalar\u0131n kredi taleplerini reddetmesinde; ge\u00e7mi\u015fte kredilerin geri \u00f6denmesine ili\u015fkin […]<\/p>\n","protected":false},"author":3,"featured_media":64739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[762,761,682,760,21],"class_list":["post-64668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-arnavutlukmerkezbankasi","tag-bankacilik","tag-ekonomi","tag-kredi","tag-arnavutluk"],"_links":{"self":[{"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/posts\/64668","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/comments?post=64668"}],"version-history":[{"count":2,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/posts\/64668\/revisions"}],"predecessor-version":[{"id":64740,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/posts\/64668\/revisions\/64740"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/media\/64739"}],"wp:attachment":[{"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/media?parent=64668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/categories?post=64668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtsh.al\/rti\/tr\/wp-json\/wp\/v2\/tags?post=64668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}