{"id":460,"date":"2026-08-24T07:55:27","date_gmt":"2026-08-24T04:55:27","guid":{"rendered":"https:\/\/otodergi.com\/index.php\/2026\/08\/24\/otomobil-faiz-ve-altinla-da-yarisiyor\/"},"modified":"2026-08-24T07:55:27","modified_gmt":"2026-08-24T04:55:27","slug":"otomobil-faiz-ve-altinla-da-yarisiyor","status":"publish","type":"post","link":"https:\/\/otodergi.com\/index.php\/2026\/08\/24\/otomobil-faiz-ve-altinla-da-yarisiyor\/","title":{"rendered":"Otomobil faiz ve alt\u0131nla da yar\u0131\u015f\u0131yor!"},"content":{"rendered":"
\"Otomobil<\/div>

Otomobil Gazetesi kanal\u0131nda Ahmet \u00c7elik\u2019in sorular\u0131n\u0131 yan\u0131tlayan H\u00fcsamettin Yal\u00e7\u0131n s\u0131f\u0131r ve 2.el otomobil pazar\u0131 hakk\u0131nda \u00f6nemli bilgiler verdi. R\u00f6portaj\u0131 Otomobil Gazetesi Youtube kanal\u0131ndan izleyebilirsiniz… <\/span><\/b><\/span><\/p>\n

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Cardata Genel M\u00fcd\u00fcr\u00fc H\u00fcsamettin Yal\u00e7\u0131n<\/span><\/b>, \u201c\u0130kinci el pazar\u0131 adet baz\u0131nda s\u0131f\u0131r kilometre ara\u00e7 pazar\u0131na g\u00f6re daha diren\u00e7li kal\u0131yor. Ancak bug\u00fcn b\u00fcy\u00fcyen ve canl\u0131 bir pazardan s\u00f6z etmek m\u00fcmk\u00fcn de\u011fil. As\u0131l zay\u0131flamay\u0131 fiyatlarda, talepte ve ara\u00e7lar\u0131n sat\u0131\u015f h\u0131z\u0131nda g\u00f6r\u00fcyoruz\u201d dedi. <\/span><\/span><\/p>\n

\u0130kinci el otomobil pazar\u0131ndaki durgunlu\u011fun en \u00f6nemli nedenlerinden birinin y\u00fcksek faiz ortam\u0131 oldu\u011funa i\u015faret eden H\u00fcsamettin Yal\u00e7\u0131n<\/b>, otomobilin art\u0131k yaln\u0131zca di\u011fer otomobillerle de\u011fil, alternatif yat\u0131r\u0131m ara\u00e7lar\u0131yla da rekabet etti\u011fini s\u00f6yledi. Temmuz ortas\u0131 itibar\u0131yla TL mevduat faizlerinin ortalama y\u00fczde 46,7 seviyesinde bulundu\u011funu hat\u0131rlatan H\u00fcsamettin Yal\u00e7\u0131n<\/b>, \u015funlar\u0131 s\u00f6yledi: \u201cYakla\u015f\u0131k 5 milyon TL\u2019yi bu faiz oran\u0131yla 32 g\u00fcn vadede de\u011ferlendiren bir tasarruf sahibi, stopaj sonras\u0131nda yakla\u015f\u0131k 170 bin TL net gelir elde edebiliyor. T\u00fcketicinin \u00f6n\u00fcndeki denklem art\u0131k son derece net. 5 milyon TL\u2019lik otomobili bug\u00fcn m\u00fc almal\u0131y\u0131m, yoksa param\u0131 mevduatta tutarak her ay \u00f6nemli bir gelir elde etmeye devam m\u0131 etmeliyim? Otomobil sat\u0131n al\u0131nd\u0131\u011f\u0131nda kasko, sigorta, MTV, bak\u0131m ve de\u011fer kayb\u0131 gibi giderler ba\u015fl\u0131yor. Mevduattaki para ise gelir \u00fcretmeye devam ediyor. Bu nedenle \u00f6zellikle zorunlu olmayan ve \u00fcst segment ara\u00e7 al\u0131mlar\u0131nda ciddi bir erteleme davran\u0131\u015f\u0131 g\u00f6r\u00fcyoruz.\u201d<\/span><\/span><\/p>\n

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S\u0131f\u0131rdaki kampanyan\u0131n negatif etkileri<\/span><\/b><\/span><\/p>\n

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Ta\u015f\u0131t kredisi faizlerinin de y\u00fczde 47 seviyelerinde seyretti\u011fine dikkat \u00e7eken Cardata Genel M\u00fcd\u00fcr\u00fc H\u00fcsamettin Yal\u00e7\u0131n<\/b>, kredi limitleri, vadeler ve krediye eri\u015fim \u015fartlar\u0131n\u0131n t\u00fcketicinin hareket alan\u0131n\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde daraltt\u0131\u011f\u0131n\u0131 belirtti. \u0130kinci el fiyatlar\u0131n\u0131 bask\u0131layan bir di\u011fer \u00f6nemli unsurun s\u0131f\u0131r kilometre ara\u00e7 kampanyalar\u0131 oldu\u011funu s\u00f6yleyen H\u00fcsamettin Yal\u00e7\u0131n<\/b>, nakit indirimleri, takas destekleri ve d\u00fc\u015f\u00fck faizli finansman kampanyalar\u0131n\u0131n \u00f6zellikle 1-3 ya\u015f aral\u0131\u011f\u0131ndaki ikinci el ara\u00e7lar \u00fczerinde bask\u0131 yaratt\u0131\u011f\u0131n\u0131 ifade etti. <\/span><\/span><\/p>\n

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2.El Pazar\u0131 y\u0131l\u0131 nas\u0131l tamamlar? <\/span><\/b><\/span><\/p>\n

\u00a0<\/p>\n

Cardata, 2026 y\u0131l\u0131 sonunda ikinci el binek otomobil ve hafif ticari ara\u00e7 pazar\u0131n\u0131n 8,5-9 milyon adet band\u0131nda tamamlanmas\u0131n\u0131 bekliyor. Bu hacmin ikinci el pazar\u0131n\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc korudu\u011funu ancak \u00f6nceki y\u0131llardaki g\u00fc\u00e7l\u00fc b\u00fcy\u00fcme ivmesini s\u00fcrd\u00fcremedi\u011fini g\u00f6sterece\u011fini belirten Cardata Genel M\u00fcd\u00fcr\u00fc H\u00fcsamettin Yal\u00e7\u0131n<\/b>, y\u0131l\u0131n son \u00e7eyre\u011finde kredi ko\u015fullar\u0131nda ya\u015fanabilecek olas\u0131 rahatlaman\u0131n \u00fcst banda ula\u015f\u0131lmas\u0131nda belirleyici olaca\u011f\u0131n\u0131 kaydetti. Kal\u0131c\u0131 bir toparlanma i\u00e7in yaln\u0131zca politika faizindeki d\u00fc\u015f\u00fc\u015f\u00fcn yeterli olmayaca\u011f\u0131n\u0131 vurgulayan Yal\u00e7\u0131n<\/b>, \u201cMevduat getirisinin otomobilin alternatif maliyeti olmaktan \u00e7\u0131kacak \u00f6l\u00e7\u00fcde gerilemesi, ta\u015f\u0131t kredisi limitleri ve vadelerinin iyile\u015ftirilmesi, t\u00fcketicinin krediye fiilen ula\u015fabilmesi ve s\u0131f\u0131r kilometre kampanyalar\u0131n\u0131n ikinci el \u00fczerindeki bask\u0131s\u0131n\u0131n azalmas\u0131 gerekiyor\u201d ifadelerini kulland\u0131.<\/span><\/span><\/p>\n

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Do\u011fru fiyatlanan ara\u00e7lar sat\u0131lacak <\/span><\/b><\/span><\/p>\n

\u00a0<\/p>\n

\u0130kinci el otomobilde otomobilin k\u0131sa vadede y\u00fcksek getiri sa\u011flayan bir yat\u0131r\u0131m arac\u0131 olarak g\u00f6r\u00fcld\u00fc\u011f\u00fc d\u00f6nemin geride kald\u0131\u011f\u0131n\u0131 s\u00f6yleyen H\u00fcsamettin Yal\u00e7\u0131n<\/b>, de\u011ferlendirmesini \u015f\u00f6yle tamamlad\u0131: \u201c2026\u2019n\u0131n geri kalan\u0131n\u0131 nakdin g\u00fc\u00e7l\u00fc, al\u0131c\u0131n\u0131n se\u00e7ici ve fiyat\u0131n belirleyici oldu\u011fu bir d\u00f6nem olarak g\u00f6r\u00fcyoruz. \u0130kinci el otomobil pazar\u0131 adet bak\u0131m\u0131ndan b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc koruyacak ancak fiyatlama g\u00fcc\u00fc al\u0131c\u0131 taraf\u0131nda olacak. Do\u011fru fiyatlanan ara\u00e7 sat\u0131lmaya devam edecek, piyasan\u0131n \u00fczerinde fiyatlanan ara\u00e7lar\u0131n sat\u0131\u015f s\u00fcresi ise daha da uzayacak. 2026, ikinci el otomobilde sat\u0131c\u0131 de\u011fil, al\u0131c\u0131 pazar\u0131 olarak tamamlanacak.\u201d<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Cardata Genel M\u00fcd\u00fcr\u00fc H\u00fcsamettin Yal\u00e7\u0131n\u2019dan Otomobil Gazetesi kanal\u0131na \u00f6zel a\u00e7\u0131klamalar:<\/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":[2],"tags":[],"class_list":["post-460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-haberler"],"_links":{"self":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/posts\/460","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=460"}],"version-history":[{"count":0,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/posts\/460\/revisions"}],"wp:attachment":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/media?parent=460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/categories?post=460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/tags?post=460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}