{"id":497,"date":"2026-09-15T18:47:13","date_gmt":"2026-09-15T15:47:13","guid":{"rendered":"https:\/\/otodergi.com\/index.php\/2026\/09\/15\/tasarruf-finansman-sirketlerinden-otomobil-alinir-mi\/"},"modified":"2026-09-15T18:47:13","modified_gmt":"2026-09-15T15:47:13","slug":"tasarruf-finansman-sirketlerinden-otomobil-alinir-mi","status":"publish","type":"post","link":"https:\/\/otodergi.com\/index.php\/2026\/09\/15\/tasarruf-finansman-sirketlerinden-otomobil-alinir-mi\/","title":{"rendered":"Tasarruf finansman \u015firketlerinden otomobil al\u0131n\u0131r m\u0131?.."},"content":{"rendered":"
\"Tasarruf<\/div>

Bankadan kredi \u00e7\u0131kmay\u0131nca otomobilin yeni adresi<\/span><\/span>Y\u00fcksek ta\u015f\u0131t kredisi faizleri ve bankalar\u0131n kredi kulland\u0131rma ko\u015fullar\u0131, otomobil almak isteyen t\u00fcketiciyi yeni bir finansman kanal\u0131na y\u00f6neltti. Eminevim, Fuzul ve Kat\u0131l\u0131mevim gibi tasarruf finansman \u015firketlerinin ara\u00e7 s\u00f6zle\u015fmeleri h\u0131zla art\u0131yor. Sistem art\u0131k BDDK denetiminde; ancak banka kredisi kadar h\u0131zl\u0131 olmad\u0131\u011f\u0131 gibi, banka mevduat\u0131yla ayn\u0131 g\u00fcvenceye de sahip de\u011fil.<\/span> T\u00fcrkiye\u2019de otomobil sat\u0131n alma y\u00f6ntemleri de\u011fi\u015fiyor. Bir tarafta fiyat\u0131 2 milyon TL s\u0131n\u0131r\u0131na dayanan ortalama otomobiller, di\u011fer tarafta y\u0131ll\u0131k y\u00fczde 40\u2019lar\u0131n \u00fczerinde seyreden ta\u015f\u0131t kredisi faizleri bulunuyor.<\/span>TCMB\u2019nin 17 Temmuz 2026 haftas\u0131na ili\u015fkin verilerine g\u00f6re bankalar\u0131n ortalama ta\u015f\u0131t kredisi faizi y\u0131ll\u0131k y\u00fczde 47,3 seviyesinde ger\u00e7ekle\u015fti. Ayn\u0131 d\u00f6nemde ihtiya\u00e7 kredisi faizleri y\u00fczde 65\u2019e ula\u015ft\u0131. <\/span><\/span><\/p>\n

Banka kredisine ula\u015famayan, kredi notu yeterli olmayan veya y\u00fcksek faiz \u00f6demek istemeyen t\u00fcketici bu nedenle Eminevim, Fuzul, Kat\u0131l\u0131mevim ve Birevim gibi tasarruf finansman \u015firketlerine y\u00f6neliyor. Ancak sistemin ad\u0131 \u201cfaizsiz finansman\u201d olsa da tamamen masrafs\u0131z de\u011fil. T\u00fcketici faiz yerine \u00e7o\u011funlukla organizasyon \u00fccreti \u00f6d\u00fcyor; arac\u0131 ise se\u00e7ilen modele g\u00f6re hemen de\u011fil, belirli bir tasarruf d\u00f6neminin ard\u0131ndan sat\u0131n alabiliyor.<\/span><\/span><\/p>\n

Bir y\u0131lda \u00fc\u00e7 kattan fazla b\u00fcy\u00fcd\u00fc<\/span><\/b><\/span><\/p>\n

Rakamlar, tasarruf finansman sisteminin art\u0131k otomobil ve konut piyasas\u0131nda g\u00f6z ard\u0131 edilemeyecek b\u00fcy\u00fckl\u00fc\u011fe ula\u015ft\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Finansal Kurumlar Birli\u011finin verilerine g\u00f6re tasarruf finansman sekt\u00f6r\u00fcn\u00fcn:<\/span><\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

G\u00f6sterge<\/span><\/p>\n<\/td>\n

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2025 sonucu<\/span><\/p>\n<\/td>\n<\/tr>\n<\/thead>\n

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\u0130\u015flem hacmi<\/span><\/p>\n<\/td>\n

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1 trilyon 211 milyar TL<\/span><\/p>\n<\/td>\n<\/tr>\n

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Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc<\/span><\/p>\n<\/td>\n

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323 milyar TL<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

\u0130\u015flem hacmi art\u0131\u015f\u0131<\/span><\/p>\n<\/td>\n

\n

%261,8<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

Aktif b\u00fcy\u00fckl\u00fck art\u0131\u015f\u0131<\/span><\/p>\n<\/td>\n

\n

%251<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

M\u00fc\u015fteri\/i\u015flem say\u0131s\u0131<\/span><\/p>\n<\/td>\n

\n

1 milyon 157 bin 958<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

\u015eube say\u0131s\u0131<\/span><\/p>\n<\/td>\n

\n

654<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

\u00c7al\u0131\u015fan say\u0131s\u0131<\/span><\/p>\n<\/td>\n

\n

9.432<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

2024 sonunda sekt\u00f6r\u00fcn toplam s\u00f6zle\u015fme b\u00fcy\u00fckl\u00fc\u011f\u00fc 498 milyar TL, m\u00fc\u015fteri say\u0131s\u0131 ise 534 bin ki\u015fiydi. Ba\u015fka bir ifadeyle sistem hem parasal hacim hem de m\u00fc\u015fteri say\u0131s\u0131 bak\u0131m\u0131ndan \u00e7ok k\u0131sa s\u00fcrede yakla\u015f\u0131k iki kat\u0131n \u00fczerinde b\u00fcy\u00fcd\u00fc. Bu b\u00fcy\u00fcmenin arkas\u0131nda sadece konut talebi bulunmuyor. Otomobil finansman\u0131, baz\u0131 \u015firketlerde sistemin as\u0131l ta\u015f\u0131y\u0131c\u0131s\u0131 haline gelmi\u015f durumda.<\/span><\/span><\/p>\n

Kat\u0131l\u0131mevim\u2019de her 10 yeni s\u00f6zle\u015fmenin 8\u2019i otomobil i\u00e7in<\/span><\/b><\/span><\/p>\n

Halka a\u00e7\u0131k bir \u015firket olmas\u0131 nedeniyle ayr\u0131nt\u0131l\u0131 verilerine ula\u015f\u0131labilen Kat\u0131l\u0131mevim\u2019in 2025\u2019in ilk alt\u0131 ayl\u0131k faaliyet raporu, otomobil taraf\u0131ndaki b\u00fcy\u00fcmeyi a\u00e7\u0131k bi\u00e7imde ortaya koyuyor.<\/span><\/span><\/p>\n

\u015eirket, 2025\u2019in ilk yar\u0131s\u0131nda toplam 52 bin 251 yeni s\u00f6zle\u015fme imzalad\u0131. Bunlar\u0131n:<\/span><\/span><\/p>\n

    \n
  • 42 bin 134 adedi otomobil, <\/span><\/li>\n
  • 10 bin 105 adedi konut, <\/span><\/li>\n
  • 12 adedi i\u015f yeri s\u00f6zle\u015fmesiydi. <\/span><\/li>\n<\/ul>\n

    Buna g\u00f6re s\u00f6zle\u015fme adedi a\u00e7\u0131s\u0131ndan otomobilin pay\u0131 y\u00fczde 80,6\u2019ya ula\u015ft\u0131.<\/span><\/span><\/p>\n

    Ayn\u0131 d\u00f6nemde otomobil s\u00f6zle\u015fmelerinin parasal hacmi 37,1 milyar TL oldu. Toplam 61,8 milyar TL\u2019lik yeni s\u00f6zle\u015fme hacminin yakla\u015f\u0131k y\u00fczde 60\u2019\u0131 ara\u00e7 finansman\u0131ndan geldi. \u015eirket alt\u0131 ayda 11 bin 70 otomobil teslimat\u0131 ger\u00e7ekle\u015ftirdi. Bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6neminde otomobil s\u00f6zle\u015fmesi say\u0131s\u0131 18 bin 117, teslimat say\u0131s\u0131 ise 4 bin 493\u2019t\u00fc. <\/span><\/span><\/p>\n

    Bu tablo, tasarruf finansman \u015firketlerinin yaln\u0131zca \u201cev sahibi olma sistemi\u201d olmaktan \u00e7\u0131kt\u0131\u011f\u0131n\u0131; otomobil sat\u0131\u015flar\u0131n\u0131 destekleyen ciddi bir alternatif finansman kanal\u0131na d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6steriyor.<\/span><\/span><\/p>\n

    Sistem nas\u0131l \u00e7al\u0131\u015f\u0131yor?<\/span><\/b><\/span><\/p>\n

    Tasarruf finansman \u015firketi do\u011frudan otomobil satm\u0131yor. T\u00fcketici almak istedi\u011fi ara\u00e7 i\u00e7in bir finansman tutar\u0131 ve \u00f6deme plan\u0131 belirliyor.<\/span><\/span><\/p>\n

    Uygulamada s\u00fcre\u00e7 genel olarak \u015f\u00f6yle ilerliyor:<\/span><\/span><\/p>\n

      \n
    1. T\u00fcketici finansman tutar\u0131n\u0131, vadeyi ve ayl\u0131k \u00f6deme g\u00fcc\u00fcn\u00fc belirliyor. <\/span><\/li>\n
    2. \u015eirkete bir organizasyon \u00fccreti \u00f6d\u00fcyor. <\/span><\/li>\n
    3. \u00c7ekili\u015fli veya \u00f6nceden belirlenmi\u015f teslim tarihli bir modele kat\u0131l\u0131yor. <\/span><\/li>\n
    4. S\u00f6zle\u015fmedeki tasarruf \u015fartlar\u0131 yerine geldi\u011finde ara\u00e7 belirleniyor. <\/span><\/li>\n
    5. Finansman bedeli genellikle do\u011frudan arac\u0131n sat\u0131c\u0131s\u0131na \u00f6deniyor. <\/span><\/li>\n
    6. Bor\u00e7 bitene kadar ara\u00e7 \u00fczerine \u015firket lehine rehin veya benzeri teminat uygulanabiliyor. <\/span><\/li>\n<\/ol>\n

      \u00d6rne\u011fin Fuzul\u2019un internet sitesinde 1 milyon TL finansman i\u00e7in 61 ay vadeli, ayl\u0131k 16 bin 393 TL tutar\u0131nda bir \u00f6rnek plan; \u00e7ekili\u015fli modelde ise 1,5 milyon TL i\u00e7in 100 ay vadeli ve ayl\u0131k 15 bin TL\u2019den ba\u015flayan \u00f6rnek sunuluyor. Bunlar kampanya \u00f6rnekleri; ger\u00e7ek maliyet, teslim tarihi, organizasyon \u00fccreti ve teslimattan sonraki taksitler s\u00f6zle\u015fmeye g\u00f6re de\u011fi\u015fiyor. <\/span><\/span><\/p>\n

      Dolay\u0131s\u0131yla reklamda g\u00f6r\u00fclen d\u00fc\u015f\u00fck ayl\u0131k taksit, tek ba\u015f\u0131na arac\u0131n ger\u00e7ek maliyetini g\u00f6stermiyor.<\/span><\/span><\/p>\n

      Bu \u015firketlere g\u00fcvenilir mi?<\/span><\/b><\/span><\/p>\n

      K\u0131sa cevap: BDDK faaliyet izni bulunan \u015firketlerle \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131nda sistem yasald\u0131r ve ge\u00e7mi\u015fe k\u0131yasla \u00e7ok daha s\u0131k\u0131 denetlenmektedir. Ancak tamamen risksiz de\u011fildir.<\/span><\/span><\/p>\n

      Eminevim\u2019in yasal unvan\u0131 olan Emin Evim Tasarruf Finansman A.\u015e., Kat\u0131l\u0131mevim Tasarruf Finansman A.\u015e. ve Fuzul Tasarruf Finansman A.\u015e., BDDK\u2019n\u0131n faaliyet izni bulunan kurulu\u015flar listesinde yer al\u0131yor. <\/span><\/span><\/p>\n

      2021 y\u0131l\u0131nda yap\u0131lan d\u00fczenlemeyle tasarruf finansman \u015firketleri 6361 say\u0131l\u0131 Kanun kapsam\u0131na al\u0131nd\u0131. \u015eirketlerin kurulu\u015f ve faaliyet i\u00e7in BDDK\u2019dan ayr\u0131 ayr\u0131 izin almas\u0131 gerekiyor. <\/span><\/span><\/p>\n

      Yasal d\u00fczenlemeye g\u00f6re m\u00fc\u015fterilerden toplanan tasarruflar\u0131n bulundu\u011fu fon havuzu, \u015firketin di\u011fer hesaplar\u0131ndan ayr\u0131lmak zorunda. Bu para \u015firketin ba\u015fka bor\u00e7lar\u0131 i\u00e7in kullan\u0131lam\u0131yor, rehnedilemiyor, haczedilemiyor ve \u015firketin iflas masas\u0131na d\u00e2hil edilemiyor. <\/span><\/span><\/p>\n

      Bu h\u00fck\u00fcmler t\u00fcketici a\u00e7\u0131s\u0131ndan \u00f6nemli bir koruma olu\u015fturuyor. Fakat burada \u00e7ok kritik bir fark bulunuyor: Tasarruf finansman \u015firketine yat\u0131r\u0131lan para, bankadaki mevduat gibi TMSF sigortas\u0131 kapsam\u0131nda de\u011fil.<\/span><\/span><\/p>\n

      TBMM\u2019deki kanun d\u00fczenlemesinin gerek\u00e7esinde de bu \u015firketlerin toplad\u0131\u011f\u0131 fonlar\u0131n mevduat sigortas\u0131na girmedi\u011fi a\u00e7\u0131k bi\u00e7imde belirtiliyor. <\/span><\/span><\/p>\n

      Yani BDDK denetimi vard\u0131r; fakat \u201c\u015firketle ilgili ne olursa olsun devlet param\u0131 hemen ve eksiksiz \u00f6der\u201d \u015feklinde bir garanti yoktur.<\/span><\/span><\/p>\n

      As\u0131l risk \u015firketten \u00e7ok s\u00f6zle\u015fmede<\/span><\/span><\/p>\n

      Sistemdeki en b\u00fcy\u00fck t\u00fcketici riski \u00e7o\u011fu zaman \u015firketin ortadan kaybolmas\u0131 de\u011fil; teslimat, ayr\u0131lma ve organizasyon \u00fccreti \u015fartlar\u0131n\u0131n yeterince anla\u015f\u0131lmamas\u0131d\u0131r.<\/span><\/span><\/p>\n

      1. Otomobil hemen teslim edilmeyebilir<\/span><\/span><\/p>\n

      Banka kredisi kullan\u0131ld\u0131\u011f\u0131nda t\u00fcketici arac\u0131 hemen sat\u0131n al\u0131r ve borcunu daha sonra \u00f6der. Tasarruf finansman\u0131nda ise \u00f6nce belirli bir s\u00fcre \u00f6deme yapmak gerekebilir.<\/span><\/span><\/p>\n

      \u00c7ekili\u015fli modelde teslim tarihi \u00e7ekili\u015fe veya grup s\u0131ras\u0131na ba\u011fl\u0131d\u0131r. \u00c7ekili\u015fsiz modelde tarih ba\u015ftan belirlenebilir; ancak pe\u015finat, ayl\u0131k \u00f6deme ve finansman tutar\u0131 teslim s\u00fcresini do\u011frudan etkiler.<\/span><\/span><\/p>\n

      Bekleme d\u00f6neminde otomobil fiyat\u0131 y\u00fckselirse, s\u00f6zle\u015fmede belirlenen finansman tutar\u0131 istenilen arac\u0131 almaya yetmeyebilir.<\/span><\/span><\/p>\n

      2. \u201cFaizsiz\u201d olmas\u0131 maliyetsiz oldu\u011fu anlam\u0131na gelmez<\/span><\/span><\/p>\n

      \u015eirketler hizmet kar\u015f\u0131l\u0131\u011f\u0131nda organizasyon \u00fccreti al\u0131yor. Bu bedel \u015firket ve kampanyaya g\u00f6re de\u011fi\u015febiliyor.<\/span><\/span><\/p>\n

      \u00d6rne\u011fin 1,5 milyon TL\u2019lik finansmanda y\u00fczde 7 organizasyon \u00fccreti uygulan\u0131rsa t\u00fcketicinin yaln\u0131zca sisteme giri\u015f maliyeti 105 bin TL olur. Oran y\u00fczde 10 oldu\u011funda maliyet 150 bin TL\u2019ye \u00e7\u0131kar.<\/span><\/span><\/p>\n

      Bu nedenle banka kredisiyle yap\u0131lacak kar\u015f\u0131la\u015ft\u0131rma yaln\u0131zca \u201cfaiz var m\u0131, yok mu?\u201d \u00fczerinden de\u011fil, \u015fu form\u00fclle yap\u0131lmal\u0131:<\/span><\/span><\/p>\n

      Ara\u00e7 bedeli + organizasyon \u00fccreti + ekspertiz\/sigorta\/rehin giderleri + bekleme d\u00f6nemindeki olas\u0131 fiyat art\u0131\u015f\u0131.<\/span><\/span><\/p>\n

      3. Ayr\u0131l\u0131nca organizasyon \u00fccreti kaybedilebilir<\/span><\/span><\/p>\n

      Kanuna g\u00f6re t\u00fcketici s\u00f6zle\u015fmenin imzalanmas\u0131ndan sonra 14 g\u00fcn i\u00e7inde gerek\u00e7e g\u00f6stermeden cayabilir. \u015eirket bu durumda organizasyon \u00fccreti d\u00e2hil ald\u0131\u011f\u0131 b\u00fct\u00fcn tutar\u0131 14 g\u00fcn i\u00e7inde iade etmek zorunda. <\/span><\/span><\/p>\n

      Ancak 14 g\u00fcnl\u00fck cayma s\u00fcresi ge\u00e7tikten sonra sistemden ayr\u0131lmak \u201ccayma\u201d de\u011fil, \u201cfesih\u201d say\u0131l\u0131yor. Bu durumda t\u00fcketicinin birikimi iade edilse bile organizasyon \u00fccreti kesilebilir. Ayr\u0131ca birikimin iadesi hemen yap\u0131lmayabilir.<\/span><\/span><\/p>\n

      4. Teslimat \u00f6ncesi ve sonras\u0131 taksit ayn\u0131 olmayabilir<\/span><\/span><\/p>\n

      Baz\u0131 planlarda teslimata kadar d\u00fc\u015f\u00fck, teslimattan sonra daha y\u00fcksek taksit uygulan\u0131yor. \u201cAyda 15 bin TL\u2019ye otomobil\u201d reklam\u0131n\u0131n arkas\u0131ndan 30-40 bin TL veya daha y\u00fcksek taksitler \u00e7\u0131kabilir.<\/span><\/span><\/p>\n

      T\u00fcketici mutlaka s\u00f6zle\u015fmenin tamam\u0131ndaki \u00f6deme plan\u0131n\u0131 g\u00f6rmeli; yaln\u0131zca ilk taksite bakmamal\u0131.<\/span><\/span><\/p>\n

      5. Ara\u00e7 \u00fczerinde rehin bulunabilir<\/span><\/span><\/p>\n

      Finansman sa\u011fland\u0131ktan sonra \u015firket kalan borcunu g\u00fcvence alt\u0131na almak i\u00e7in ara\u00e7 \u00fczerine rehin koyabilir, senet, kefil veya ek teminat isteyebilir. Bor\u00e7 sona ermeden arac\u0131n sat\u0131lmas\u0131 m\u00fcmk\u00fcn olmayabilir.<\/span><\/span><\/p>\n

      Sistem kimler i\u00e7in mant\u0131kl\u0131?<\/span><\/span><\/p>\n

      Tasarruf finansman\u0131 \u015fu t\u00fcketiciler a\u00e7\u0131s\u0131ndan de\u011ferlendirilebilir:<\/span><\/span><\/p>\n

        \n
      • Bankadan yeterli ta\u015f\u0131t kredisi alamayan, <\/span><\/li>\n
      • Faiz hassasiyeti bulunan, <\/span><\/li>\n
      • Araca hemen ihtiya\u00e7 duymayan, <\/span><\/li>\n
      • Pe\u015finat\u0131 olan ve teslim tarihini \u00f6ne \u00e7ekebilen, <\/span><\/li>\n
      • Uzun s\u00fcre d\u00fczenli \u00f6deme g\u00fcc\u00fcne g\u00fcvenen, <\/span><\/li>\n
      • Organizasyon \u00fccretini banka kredisinin toplam maliyetiyle kar\u015f\u0131la\u015ft\u0131ran ki\u015filer. <\/span><\/li>\n<\/ul>\n

        Buna kar\u015f\u0131l\u0131k arac\u0131n\u0131 hemen almak isteyen, gelirinde dalgalanma bulunan, birka\u00e7 ay sonra sistemden \u00e7\u0131kma ihtimali olan veya otomobil fiyat\u0131n\u0131n h\u0131zla artaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnen t\u00fcketici i\u00e7in riskli olabilir.<\/span><\/span><\/p>\n

        \u0130mza atmadan \u00f6nce sorulmas\u0131 gereken 10 soru<\/span><\/span><\/p>\n

          \n
        1. \u015eirketin BDDK faaliyet izni var m\u0131? <\/span><\/li>\n
        2. Organizasyon \u00fccreti ka\u00e7 TL ve finansman\u0131n y\u00fczde ka\u00e7\u0131na kar\u015f\u0131l\u0131k geliyor? <\/span><\/li>\n
        3. Ara\u00e7 hangi kesin tarihte teslim edilecek? <\/span><\/li>\n
        4. Teslimat \u00e7ekili\u015fe mi ba\u011fl\u0131, s\u00f6zle\u015fmeyle mi garanti ediliyor? <\/span><\/li>\n
        5. Teslimata kadar toplam ka\u00e7 TL \u00f6denecek? <\/span><\/li>\n
        6. Teslimattan sonra ayl\u0131k taksit ne kadar olacak? <\/span><\/li>\n
        7. Ara\u00e7 fiyat\u0131 y\u00fckselirse finansman tutar\u0131 art\u0131r\u0131labilecek mi? <\/span><\/li>\n
        8. Sistemden ayr\u0131l\u0131rsam param ne zaman iade edilecek? <\/span><\/li>\n
        9. Organizasyon \u00fccretinin ne kadar\u0131 kesilecek? <\/span><\/li>\n
        10. Ara\u00e7 \u00fczerine hangi rehin, kefalet veya sat\u0131\u015f k\u0131s\u0131tlamas\u0131 uygulanacak? <\/span><\/li>\n<\/ol>\n

          \u00d6nemli not: Sat\u0131\u015f dan\u0131\u015fman\u0131n\u0131n s\u00f6zl\u00fc olarak verdi\u011fi hi\u00e7bir teslim tarihi veya indirim, s\u00f6zle\u015fmede yazm\u0131yorsa t\u00fcketici a\u00e7\u0131s\u0131ndan g\u00fcvence olu\u015fturmaz.<\/span><\/span><\/p>\n

          Not: Haber yay\u0131na haz\u0131rlan\u0131rken Kat\u0131l\u0131mevin Ba\u015fkan\u0131 Serdar Turhan\u2019\u0131n yurtd\u0131\u015f\u0131na ka\u00e7t\u0131\u011f\u0131 haberi yay\u0131nlanm\u0131\u015ft\u0131. <\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

          Banka kredisine ula\u015famayan, kredi notu yeterli olmayan veya y\u00fcksek faiz \u00f6demek istemeyen t\u00fcketici; Eminevim, Fuzul, Kat\u0131l\u0131mevim, Birevim, Sinpa\u015f YTS, \u0130mece, Emlak Kat\u0131l\u0131m, \u0130yi Finans ve Albayrak Tasarruf gibi BDDK lisansl\u0131 tasarruf finansman \u015firketlerine y\u00f6neliyor.<\/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-497","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\/497","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=497"}],"version-history":[{"count":0,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/posts\/497\/revisions"}],"wp:attachment":[{"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/media?parent=497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/categories?post=497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/otodergi.com\/index.php\/wp-json\/wp\/v2\/tags?post=497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}