{"id":452,"date":"2026-08-16T20:32:40","date_gmt":"2026-08-16T17:32:40","guid":{"rendered":"https:\/\/otodergi.com\/index.php\/2026\/08\/16\/daralmanin-iki-nedeni-faiz-ve-altin\/"},"modified":"2026-08-16T20:32:40","modified_gmt":"2026-08-16T17:32:40","slug":"daralmanin-iki-nedeni-faiz-ve-altin","status":"publish","type":"post","link":"https:\/\/otodergi.com\/index.php\/2026\/08\/16\/daralmanin-iki-nedeni-faiz-ve-altin\/","title":{"rendered":"Daralman\u0131n iki nedeni; Faiz ve Alt\u0131n…"},"content":{"rendered":"
\"Daralman\u0131n<\/div>

T\u00fcrkiye otomobil pazar\u0131nda uzun zamand\u0131r al\u0131\u015f\u0131k olmad\u0131\u011f\u0131m\u0131z bir tablo ortaya \u00e7\u0131k\u0131yor. Sorun yaln\u0131zca otomobil fiyatlar\u0131n\u0131n y\u00fcksekli\u011fi ya da krediye ula\u015fman\u0131n g\u00fc\u00e7le\u015fmesi de\u011fil. Otomobilin kar\u015f\u0131s\u0131na art\u0131k \u00e7ok daha g\u00fc\u00e7l\u00fc iki rakip \u00e7\u0131kt\u0131: mevduat faizi ve yat\u0131r\u0131mc\u0131n\u0131n alt\u0131ndaki y\u00fckseli\u015f beklentisi. Gelin \u015fimdi bu denklemi b\u00fcy\u00fcte\u00e7 alt\u0131na alal\u0131m… <\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n

Rakamlar da pazardaki frene i\u015faret ediyor.<\/span><\/span><\/b><\/span><\/p>\n

\u00a0<\/p>\n

\u00d6nce rakamlar\u0131n diline bakal\u0131m… 2026 y\u0131l\u0131 Ocak-Temmuz d\u00f6neminde otomobil ve hafif ticari ara\u00e7 pazar\u0131, 2025’in ayn\u0131 d\u00f6nemine g\u00f6re yakla\u015f\u0131k y\u00fczde 10,7 daralarak 638 bin 965 adede geriledi. Y\u0131l\u0131n ilk aylar\u0131nda daha s\u0131n\u0131rl\u0131 olan k\u00fc\u00e7\u00fclmenin ilerleyen aylarda belirginle\u015fmesi de dikkat \u00e7ekici. \u00d6rne\u011fin Ocak-Nisan d\u00f6neminde daralma yaln\u0131zca y\u00fczde 3,13 seviyesindeyken, Ocak-Haziran’da y\u00fczde 8,19’a, Ocak-Temmuz’da ise y\u00fczde 10’un \u00fczerine \u00e7\u0131kt\u0131.<\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n

Yani pazar\u0131n aya\u011f\u0131 giderek daha sert bi\u00e7imde frene bas\u0131yor. Kafalardaki sorudan ilerleyelim. Mesela; 5 milyon liran\u0131z varsa otomobil almak i\u00e7in neden acele edesiniz? As\u0131l mesele burada ba\u015fl\u0131yor. Bug\u00fcn 4-5 milyon TL, orta-\u00fcst s\u0131n\u0131f veya premium bir otomobil sat\u0131n almak i\u00e7in ayr\u0131labilecek ciddi bir b\u00fct\u00e7e. Ancak ayn\u0131 para bankaya yat\u0131r\u0131ld\u0131\u011f\u0131nda sahibine hi\u00e7 de k\u00fc\u00e7\u00fcmsenmeyecek bir getiri sa\u011fl\u0131yor.<\/span><\/span><\/span><\/p>\n

A\u011fustos 2026 itibar\u0131yla bankalarda vadeli mevduatta y\u00fczde 40’lar\u0131n \u00fczerinde oranlar g\u00f6r\u00fcl\u00fcyor; kampanyal\u0131 \u00fcr\u00fcnlerde oran y\u00fczde 46-47 seviyelerine kadar \u00e7\u0131kabiliyor. Somutla\u015ft\u0131ral\u0131m, 5 milyon TL’yi yakla\u015f\u0131k y\u00fczde 45-46 civar\u0131nda faizle de\u011ferlendiren bir yat\u0131r\u0131mc\u0131, ko\u015fullara ve stopaja ba\u011fl\u0131 olarak 32 g\u00fcnde kabaca 160-180 bin TL civar\u0131nda net gelir elde edebiliyor.<\/span><\/span><\/span><\/p>\n

Nitekim A\u011fustos ba\u015f\u0131ndaki g\u00fcncel hesaplamalarda 5,5 milyon TL’nin y\u00fczde 46 faizle 32 g\u00fcnl\u00fck net getirisi yakla\u015f\u0131k 199 bin 627 TL olarak hesaplan\u0131yor. Bu rakam\u0131 5 milyon TL’ye uyarlad\u0131\u011f\u0131m\u0131zda yakla\u015f\u0131k 181 bin TL ediyor.<\/span><\/span><\/span><\/p>\n

Bir ba\u015fka ifadeyle yat\u0131r\u0131mc\u0131n\u0131n \u00f6n\u00fcnde \u015f\u00f6yle bir psikolojik denklem olu\u015fuyor: Bug\u00fcn 5 milyon TL’lik otomobili mi alay\u0131m, yoksa param\u0131 bankada tutup ayda yakla\u015f\u0131k 170-180 bin TL kazanmaya devam m\u0131 edeyim? \u0130\u015fte otomobil sekt\u00f6r\u00fcn\u00fcn yeni rakibi tam olarak bu.<\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n

Otomobil art\u0131k sadece otomobille yar\u0131\u015fm\u0131yor!<\/span><\/span><\/b><\/span><\/p>\n

\u00a0<\/p>\n

Ge\u00e7mi\u015fte bir t\u00fcketici otomobil almaya karar verdi\u011finde genellikle markalar\u0131 ve modelleri kar\u015f\u0131la\u015ft\u0131r\u0131rd\u0131. Bug\u00fcn ise soru de\u011fi\u015fti: Otomobil mi, faiz mi?<\/span><\/span><\/span><\/p>\n

\u00dcstelik otomobil sat\u0131n al\u0131nd\u0131\u011f\u0131 anda sigorta, kasko, MTV, bak\u0131m ve de\u011fer kayb\u0131 gibi giderler ba\u015fl\u0131yor. Mevduattaki para ise tersine her ay sahibinin hesab\u0131na gelir yaz\u0131yor.<\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n

Tabi bir de otomobil almak i\u00e7in t\u00fcm kredi musluklar\u0131n\u0131n da kapat\u0131ld\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcrseniz, t\u00fcketici i\u00e7in pe\u015fin parayla alman\u0131n d\u0131\u015f\u0131nda bir ba\u015fka alternatif kalm\u0131yor… <\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n

Bir de “alt\u0131nda bekleyenler” var<\/span><\/span><\/b><\/span><\/p>\n

\u00a0<\/p>\n

Pazar\u0131n di\u011fer taraf\u0131nda ise alt\u0131n yat\u0131r\u0131mc\u0131s\u0131 bulunuyor. Alt\u0131n\u0131n sert y\u00fckseli\u015fi s\u0131ras\u0131nda gram\u0131n\u0131 y\u00fcksek seviyelerden alan yat\u0131r\u0131mc\u0131, fiyat geri \u00e7ekildi\u011finde zarar\u0131n\u0131 realize etmek istemiyor. A\u011fustos ay\u0131nda gram alt\u0131n\u0131n 6 bin TL’nin olduk\u00e7a \u00fczerinde, \u00f6rne\u011fin 6.700-6.800 TL civar\u0131nda seyretti\u011fi g\u00fcnler g\u00f6r\u00fcld\u00fc. Burada \u00e7ok basit bir yat\u0131r\u0131mc\u0131 psikolojisi devreye giriyor. Alt\u0131n\u0131 y\u00fcksek seviyeden alan ki\u015fi otomobil almak i\u00e7in alt\u0131n\u0131n\u0131 bozdurmak zorundaysa, fiyat\u0131n yeniden eski seviyelerine \u00e7\u0131kmas\u0131n\u0131 bekliyor.<\/span><\/span><\/span><\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Otomobil Gazetesi edit\u00f6r\u00fc Ahmet \u00c7elik’in bu haftaki yaz\u0131s\u0131…<\/p>\n<\/div>","protected":false},"author":1,"featured_media":-999,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/posts\/452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/comments?post=452"}],"version-history":[{"count":0,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/posts\/452\/revisions"}],"wp:attachment":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/media?parent=452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/categories?post=452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/tags?post=452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}