12.11.2026 07:20
The Central Bank of the Republic of Turkey increased the eight-week growth limits on consumer, vehicle, and commercial loans by 0.5 points. While the limit for consumer and vehicle loans was raised to 3.5 percent, it was increased to 5.5 percent for SME loans and to 2.5 percent for other commercial loans. With the regulation allowing banks to extend more loans, a change was also made to the reserve requirement practice.
The Central Bank of the Republic of Türkiye has made changes to credit growth limits in order to support macrofinancial stability and the monetary transmission mechanism. With the "Press Release on the Macroprudential Framework" published by the CBRT, eight-week growth limits for consumer, vehicle, and commercial loans were redefined.
Under the new regulation, the eight-week growth limit for consumer loans extended to consumers, which was 3 percent, has been raised to 3.5 percent. A similar change was made for vehicle loans, and the growth limit was set at 3.5 percent.
A NEW ERA IN COMMERCIAL LOANS TOO
The Central Bank's regulation also covered commercial loans. The eight-week growth limit for Turkish lira loans extended to small and medium-sized enterprises (SMEs) has been raised from 5 percent to 5.5 percent.
For Turkish lira loans extended to enterprises outside the scope of SMEs, the growth limit has been raised from 2 percent to 2.5 percent. Thus, the growth limits in consumer, vehicle, and two separate commercial loan categories were increased by 0.5 points each.
HOW WILL IT AFFECT THOSE WHO WANT TO TAKE OUT A LOAN?
The Central Bank's decision loosens the limits on the growth rate of loans that banks can extend in certain periods. With this change, room has been opened for banks to extend more loans in consumer, vehicle, and commercial loans.
However, the regulation does not mean that citizens' individual loan limits are directly increased or that loan interest rates are lowered. The income, credit score, and other conditions that banks apply when evaluating loan applications remain valid.
A CHANGE IN THE REQUIRED RESERVE PRACTICE AS WELL
In addition to credit growth limits, the Central Bank has also made a change to the required reserve practice concerning banks and financing companies.
Under the new regulation, interest or compensation payments in Turkish lira will be made on the required reserves established by banks and financing companies for their non-deposit liabilities in Turkish lira and foreign currency with maturities longer than one year.
The CBRT announced that the regulations concerning credit growth limits and required reserves were implemented in order to strengthen macrofinancial stability and support the effect of monetary policy on the financial system.