The Central Bank of the Republic of Türkiye (CBRT) raised the growth limits it applies to several types of bank lending on Wednesday evening, according to a macroprudential press release published on its website (No. 2026-49, dated 11 November). The decision was also reported by Anadolu Agency (AA), Ekotürk and Banka Dünyası.
Under the announcement, each of the eight-week loan growth caps was raised by half a percentage point:
- Consumer general-purpose (personal) loans: from 3% to 3.5%
- Consumer vehicle loans: from 3% to 3.5%
- Turkish lira loans to small and medium-sized enterprises (SMEs): from 5% to 5.5%
- Turkish lira loans to non-SME businesses: from 2% to 2.5%
No effective date or housing-loan change stated
The CBRT release does not give a separate effective date for the new limits, and AA, as published by the regional outlet Ankara Masası, said its source did not specify from when the limits apply. Housing loans (mortgages), credit cards and foreign-currency loans are not among the categories listed in the release; Ekotürk and Banka Dünyası likewise reported changes only for personal, vehicle and Turkish lira business loans. Foreign residents weighing a home loan can find background in our guide to mortgages for foreigners in Türkiye.
Reserve requirement remuneration
In the same release, the central bank said it would pay Turkish lira interest or compensation on reserve requirements that banks and financing companies hold against non-deposit liabilities with maturities longer than one year, in both Turkish lira and foreign currency. The CBRT described both steps as changes to its reserve requirement framework aimed at supporting macro-financial stability and the transmission of monetary policy.
Second easing of SME cap in six weeks
The move follows a 1 October macroprudential announcement in which the CBRT raised the growth cap for SME loans from 4.5% to 5%, according to AA and Banka Dünyası.
Sources
- Makroihtiyati Çerçeveye İlişkin Basın Duyurusu, Sayı: 2026-49 (TCMB)
- Merkez Bankası’ndan kredilere yeni düzenleme: İhtiyaç, taşıt ve KOBİ kredilerinde büyüme sınırlarında artış (TGRT Haber / AA)
- TCMB ihtiyaç, taşıt ve ticari kredilerde büyüme sınırlarını yükseltti (Ekotürk)
- TCMB Kredi Büyüme Sınırını Yükseltti: İhtiyaç ve Taşıtta %3,5 (Banka Dünyası)
- TCMB kredi büyüme sınırlarını yükseltti: İhtiyaç ve taşıt kredisi %3,5 (Ankara Masası / AA)
Photo: Ail Subway / CC BY-SA 4.0, via Wikimedia Commons
