{"id":6393,"date":"2024-02-07T20:35:54","date_gmt":"2024-02-07T17:35:54","guid":{"rendered":"https:\/\/es-exchange.com\/haberler\/?p=6393"},"modified":"2024-02-07T20:35:54","modified_gmt":"2024-02-07T17:35:54","slug":"amerikalilarin-kredi-karti-borcu-rekor-seviyeye-ulasti","status":"publish","type":"post","link":"https:\/\/es-exchange.com\/haberler\/?p=6393","title":{"rendered":"Amerikal\u0131lar\u0131n kredi kart\u0131 borcu rekor seviyeye ula\u015ft\u0131"},"content":{"rendered":"
\n

\n\tABD Merkez Bankas\u0131 (Fed) New York \u015eubesi’nin Hane halk\u0131 Borcu ve Kredi Raporu’na g\u00f6re, ABD’de hane halk\u0131 borcu ge\u00e7en y\u0131l\u0131n son \u00e7eyre\u011finde bir \u00f6nceki \u00e7eyre\u011fe k\u0131yasla y\u00fczde 1,2 artarak 17,5 trilyon dolara ula\u015ft\u0131.<\/p>\n

\n\t\u00dclkede hane halk\u0131 borcunda en y\u00fcksek pay\u0131 konut kredileri almaya devam ederken, Amerikal\u0131lar\u0131n en \u00e7ok bor\u00e7land\u0131\u011f\u0131 di\u011fer kalemlerden biri olan kredi kart\u0131 bor\u00e7lar\u0131ndaki art\u0131\u015f dikkati \u00e7ekti.<\/p>\n

\n\tAmerikal\u0131lar\u0131n kredi kart\u0131 borcu, ge\u00e7en y\u0131l\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde bir \u00f6nceki \u00e7eyre\u011fe k\u0131yasla 50 milyar dolar (yakla\u015f\u0131k y\u00fczde 5) artarken, y\u0131ll\u0131k bazda ise 143 milyar dolarl\u0131k (yakla\u015f\u0131k y\u00fczde 15) art\u0131\u015f kaydetti.<\/p>\n

\n\t\u00dclkede hane halk\u0131n\u0131n kredi kart\u0131 borcu, ge\u00e7en y\u0131l\u0131n son \u00e7eyre\u011finde 1 trilyon 129 milyar dolarla rekor seviyeye ula\u015ft\u0131.<\/p>\n

\n\tS\u00f6z konusu d\u00f6nemde kredi kart\u0131 temerr\u00fct oranlar\u0131nda da art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/p>\n

\n\tNew York Fed Ekonomik Ara\u015ft\u0131rma Dan\u0131\u015fman\u0131 Wilbert van der Klaauw, verilere ili\u015fkin de\u011ferlendirmesinde, kredi kart\u0131 ve ta\u015f\u0131t kredilerinde temerr\u00fct oran\u0131n\u0131n hala COVID-19 salg\u0131n\u0131 \u00f6ncesi seviyelerin \u00fczerinde artt\u0131\u011f\u0131n\u0131, bunun \u00f6zellikle gen\u00e7 ve d\u00fc\u015f\u00fck gelirli haneler aras\u0131nda artan finansal strese i\u015faret etti\u011fini belirtti.<\/p>\n

\n\tKredi kart\u0131 borcu 2021’in ba\u015f\u0131ndan bu yana y\u00fczde 46’n\u0131n \u00fczerinde artt\u0131<\/strong><\/p>\n

\n\tBankrate K\u0131demli End\u00fcstri Analisti Ted Rossman, AA muhabirine, b\u00fcy\u00fck \u00f6l\u00e7\u00fcde g\u00fc\u00e7l\u00fc i\u015f g\u00fcc\u00fc piyasas\u0131 ve salg\u0131ndan kaynaklanan bast\u0131r\u0131lm\u0131\u015f talep sayesinde t\u00fcketici harcamalar\u0131n\u0131n g\u00fc\u00e7l\u00fc oldu\u011funu s\u00f6yledi.<\/p>\n

\n\tRossman, kredi kart\u0131 borcunun 2021’in ba\u015f\u0131ndan bu yana y\u00fczde 46’n\u0131n \u00fczerinde artt\u0131\u011f\u0131n\u0131 belirterek, “Son birka\u00e7 y\u0131lda kredi kart\u0131 bakiyelerini yukar\u0131 \u00e7eken en b\u00fcy\u00fck fakt\u00f6rlerin y\u00fcksek enflasyon ve y\u00fcksek faiz oranlar\u0131 oldu\u011funa inan\u0131yorum.” dedi.<\/p>\n

\n\tKredi kart\u0131 sahiplerinin her ay tam \u00f6deme yap\u0131p yapmamalar\u0131n\u0131n \u00f6nemli oldu\u011funa i\u015faret eden Rossman, bor\u00e7lar\u0131n\u0131 tam \u00f6deyen kart sahiplerinin yakla\u015f\u0131k yar\u0131s\u0131 i\u00e7in faiz oranlar\u0131n\u0131n pek \u00f6nemli olmad\u0131\u011f\u0131n\u0131 ancak di\u011fer yar\u0131s\u0131n\u0131n kolayl\u0131kla pahal\u0131 bir bor\u00e7 d\u00f6ng\u00fcs\u00fc tuza\u011f\u0131na d\u00fc\u015febilece\u011fini aktard\u0131.<\/p>\n

\n\tRossman, kredi kart\u0131 borcu olan her 10 ki\u015fiden yakla\u015f\u0131k 6’s\u0131n\u0131n en az bir y\u0131ld\u0131r bor\u00e7lu oldu\u011funu belirterek, uzun vadede y\u00fczde 20’nin \u00fczerinde faiz \u00f6demenin \u00f6nemli bir k\u00fcm\u00fclatif etkisi oldu\u011funa dikkati \u00e7ekti.<\/p>\n

\n\t“Kredi kart\u0131 bakiyelerinin artmaya devam edece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum”<\/strong><\/p>\n

\n\tSon iki y\u0131lda kredi kart\u0131 bor\u00e7lar\u0131nda ola\u011fan\u00fcst\u00fc y\u00fcksek bir art\u0131\u015f g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc ve bunun s\u00fcrd\u00fcr\u00fclebilir olmad\u0131\u011f\u0131n\u0131 aktaran Rossman, nakit kullan\u0131m\u0131 azalmaya devam ederken ekonomik b\u00fcy\u00fcme, n\u00fcfus art\u0131\u015f\u0131 ve daha fazla kart kullan\u0131m\u0131 nedeniyle kredi kart\u0131 bor\u00e7lar\u0131n\u0131n da zamanla artmas\u0131n\u0131 beklediklerini ifade etti.<\/p>\n

\n\tRossman, \u015funlar\u0131 kaydetti:<\/p>\n

\n\t“Kredi kart\u0131 bakiyelerinin artmaya devam edece\u011fini d\u00fc\u015f\u00fcn\u00fcyorum, ancak daha yava\u015f bir h\u0131zda. Son iki y\u0131lda kaydedilen y\u00fczde 15’lik y\u0131ll\u0131k b\u00fcy\u00fcme rakamlar\u0131 s\u00fcrd\u00fcr\u00fclebilir g\u00f6r\u00fcnm\u00fcyor. Ancak artan kredi kart\u0131 bakiyeleri, artan t\u00fcketici harcamalar\u0131n\u0131, ekonomik faaliyetleri, n\u00fcfus art\u0131\u015f\u0131n\u0131, e-ticaret ve nakit paran\u0131n azalmas\u0131 nedeniyle daha fazla kart kullan\u0131m\u0131n\u0131 yans\u0131tabilir. Yani her \u015fey o kadar da k\u00f6t\u00fc de\u011fil. G\u00fcn\u00fcn sonunda i\u015f hane d\u00fczeyine iniyor. Onlar\u0131 nas\u0131l kulland\u0131\u011f\u0131n\u0131za ba\u011fl\u0131 olarak yararl\u0131 ya da tehlikeli.”<\/p>\n

\n\t“Enflasyon ve di\u011fer ekonomik olumsuzlar kredi kartlar\u0131na bel ba\u011flamaya zorlad\u0131”<\/strong><\/p>\n

\n\tLendingTree Kredi Ba\u015fanalisti Matt Schulz da ABD’de kredi kart\u0131 sahipleri i\u00e7in \u00e7ok zor bir y\u0131l oldu\u011funu s\u00f6yledi.<\/p>\n

\n\tSchulz, “\u0130nat\u00e7\u0131 ve artan enflasyon ile di\u011fer ekonomik olumsuzluklar\u0131n birle\u015fimi, Amerikal\u0131lar\u0131n zaten d\u00fc\u015f\u00fck olan finansal hata marj\u0131n\u0131 s\u0131f\u0131ra indirdi ve ki\u015fileri ge\u00e7imlerini sa\u011flamak i\u00e7in kredi kartlar\u0131na bel ba\u011flamaya zorlad\u0131.” dedi.<\/p>\n

\n\tKredi kart\u0131 borcunun her zaman bir zorluk belirtisi olmad\u0131\u011f\u0131na dikkati \u00e7eken Schulz, “Bu ayn\u0131 zamanda insanlar\u0131n k\u0131sa vadeli bor\u00e7 almaktan \u00e7ekinmedi\u011fi, \u00e7\u00fcnk\u00fc borcunu h\u0131zl\u0131 bir \u015fekilde \u00f6deyebileceklerini bildikleri bir g\u00fcven i\u015fareti de olabilir.” diye konu\u015ftu. Schulz, ancak son zamanlarda kredi kart\u0131 bor\u00e7lar\u0131ndaki art\u0131\u015f\u0131n ana itici g\u00fcc\u00fcn\u00fcn daha \u00e7ok zorluklarla ilgili oldu\u011funu d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fc belirtti.<\/p>\n

\n\t“Kredi kart\u0131 borcunun ekonomi \u00fczerinde ciddi etkisi olabilir”<\/strong><\/p>\n

\n\tKredi kart\u0131 borcunun ekonomi \u00fczerinde ciddi bir etkisi olabilece\u011fini kaydeden Schulz, \u015f\u00f6yle devam etti:<\/p>\n

\n\t“\u0130nsanlar kart borcuyla bo\u011fu\u015furken, bu durum onlar\u0131n acil durum fonu olu\u015fturmak, emeklilik i\u00e7in birikim yapmak, \u00fcniversite veya mortgage (konut kredisi) pe\u015finat\u0131 \u00f6demek, k\u00fc\u00e7\u00fck bir i\u015fletme kurmak ve hatta r\u00fcya gibi bir tatile \u00e7\u0131kmak gibi hedeflere ay\u0131racak fazladan paraya sahip olmad\u0131klar\u0131 anlam\u0131na gelir. B\u00fct\u00fcn bunlar\u0131n insanlar\u0131n ki\u015fisel mali g\u00f6r\u00fcn\u00fcmleri \u00fczerinde etkisi oldu\u011fu gibi, ayn\u0131 zamanda bir b\u00fct\u00fcn olarak ekonominin beklentileri \u00fczerinde de etkisi var.”<\/p>\n

\n\tSchulz, kredi kart\u0131 sahipleri i\u00e7in 2024 y\u0131l\u0131n\u0131n son birka\u00e7 y\u0131ldan daha iyi olaca\u011f\u0131na dair iyimser olmak i\u00e7in nedenler bulundu\u011funu belirterek, enflasyonun zirve yapt\u0131\u011f\u0131n\u0131 ve faiz oranlar\u0131n\u0131n gelecek 6 ay i\u00e7inde d\u00fc\u015fmeye ba\u015flamas\u0131n\u0131n muhtemel oldu\u011funu aktard\u0131.<\/p>\n

\n\tSchulz, gelecek birka\u00e7 ay\u0131n, temerr\u00fctlerin artmas\u0131, enflasyonun inat\u00e7\u0131 kalmas\u0131 ve faiz oranlar\u0131n\u0131n hen\u00fcz d\u00fc\u015fmemesi nedeniyle zorlu olabilece\u011fini dile getirdi.<\/p>\n

\n
ET\u0130KETLER<\/div>\n
\n ABD
\n ABD Ekonomisi\n <\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

ABD Merkez Bankas\u0131 (Fed) New York \u015eubesi’nin Hane halk\u0131 Borcu ve Kredi Raporu’na g\u00f6re, ABD’de…<\/p>\n","protected":false},"author":1,"featured_media":6394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1487,2995,5032,84,342,802,1489],"class_list":["post-6393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-haberleri","tag-amerikalilarin","tag-borcu","tag-karti","tag-kredi","tag-rekor","tag-seviyeye","tag-ulasti"],"yoast_head":"\nAmerikal\u0131lar\u0131n kredi kart\u0131 borcu rekor seviyeye ula\u015ft\u0131 - Es-Exchange Ekonomi Haberleri<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/es-exchange.com\/haberler\/?p=6393\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Amerikal\u0131lar\u0131n kredi kart\u0131 borcu rekor seviyeye ula\u015ft\u0131 - 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