{"id":10794,"date":"2017-02-04T12:52:00","date_gmt":"2017-02-04T09:52:00","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=10794"},"modified":"2018-07-05T15:54:44","modified_gmt":"2018-07-05T12:54:44","slug":"konut-almak-icin-120-ay-mi-240-ay-mi-krede-daha-karli","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=10794","title":{"rendered":"Konut almak i\u00e7in 120 ay m\u0131 240 ay m\u0131 krede daha k\u00e2rl\u0131?"},"content":{"rendered":"

\"avrupa-konutlari-atakent-4-fiyat-listesi-1464084348\"<\/h1>\n

H\u00fcrriyet Ekonomi yazar\u0131 Sefer Levent bug\u00fcnki yaz\u0131s\u0131nda Emlak Konut GYO seferberli\u011finde ba\u015flayan “Gayrimenkulde G\u00fc\u00e7 Birli\u011fi Daha G\u00fc\u00e7l\u00fc T\u00fcrkiye” kampanyas\u0131n\u0131 de\u011ferlendirdi.<\/h1>\n
<\/div>\n
<\/div>\n
Emlak Konut GYO liderli\u011findeki yeni konut kampanyas\u0131nda vade 240 aya kadar \u00e7\u0131kt\u0131. Ancak 240 ay\u0131n faizi 120 aya g\u00f6re \u00e7ok y\u00fcksek. 100 bin liral\u0131k kredi alan vatanda\u015f bankaya fazladan 93 bin lira \u00f6d\u00fcyor. Oysa daha d\u00fc\u015f\u00fck taksitle kredi geri \u00f6demesine ba\u015flaman\u0131n ba\u015fka bir form\u00fcl\u00fc var. Y\u0131llar i\u00e7inde gelirinizin artaca\u011f\u0131n\u0131 varsayarak sabit taksit yerine de\u011fi\u015fken taksiti tercih etmek.<\/div>\n
\n

SON g\u00fcnlerde dikkatinizi \u00e7ekmi\u015ftir. Elinde paras\u0131 olan\u0131n da olmayan\u0131n da konut alabilmesi i\u00e7in adeta bir seferberlik ya\u015fan\u0131yor. Son olarak d\u00fcn a\u00e7\u0131klanan Bakanlar Kurulu kararlar\u0131yla KDV\u2019de bir tak\u0131m iyile\u015ftirmeler yap\u0131ld\u0131. Bu yaz\u0131n\u0131n konusu ise hafta ba\u015f\u0131nda a\u00e7\u0131klanan 20 y\u0131l vadeli konut kredisi Konut kredisi i\u00e7in 120 ay m\u0131 240 ay m\u0131 kampanyalar\u0131.<\/p>\n

Emlak Konut GYO \u00f6nderli\u011finde hayata ge\u00e7en proje sayesinde isteyenler 240 ayl\u0131k taksitlerle konut alabiliyor. \u00dcstelik y\u00fczde 20 pe\u015finat yerine ilk etapta y\u00fczde 5 pe\u015finat verip kalan k\u0131sm\u0131 daha sonra da \u00f6deyebiliyorlar. Peki ama konut kredisi kullan\u0131p ev alacaklar i\u00e7in 240 ay yani 20 y\u0131l boyunca taksit \u00f6demek ne derece mant\u0131kl\u0131? Yoksa onun yerine vatanda\u015f\u0131n daha k\u0131sa vadede daha az para \u00f6deyerek konut almas\u0131 m\u00fcmk\u00fcn m\u00fc?<\/p>\n

Hi\u00e7 uzatmadan cevap veriyorum, evet m\u00fcmk\u00fcn. Bak\u0131n nas\u0131l?<\/p>\n

<\/p>\n

PE\u015e\u0130NAT Y\u00dcZDE 5<\/h2>\n

\u00d6nce kampanyan\u0131n ko\u015fullar\u0131n\u0131 bir hat\u0131rlayal\u0131m.<\/p>\n

Alaca\u011f\u0131n\u0131z evin bedeli ne kadarsa \u00f6ncelikle y\u00fczde 5 pe\u015finat veriyorsunuz. Yasal olarak \u00f6denmesi gereken kalan y\u00fczde 15 pe\u015finat\u0131 \u00a0ise konutu teslim alaca\u011f\u0131n\u0131z tarihe kadar \u00f6demeniz gerekiyor. \u0130sterseniz bu \u00f6demeyi teslim tarihinde yapabilirsiniz ya da bu tarihe kadar ara \u00f6demeler \u015feklinde.<\/p>\n

Kalan y\u00fczde 80\u2019lik b\u00f6l\u00fcm\u00fc ise kampanyaya kat\u0131lan 9 bankadan alaca\u011f\u0131n\u0131z kredilerle taksitlendirme \u015fans\u0131n\u0131z var.<\/p>\n

\u00dc\u00c7 AYRI VADE SE\u00c7ENE\u011e\u0130<\/h2>\n

Burada kar\u015f\u0131n\u0131za \u00fc\u00e7 ayr\u0131 vade se\u00e7ene\u011fi \u00e7\u0131k\u0131yor.<\/p>\n

\u0130lki 60 ay yani 5 y\u0131ll\u0131k vade. Geliriniz 60 ayl\u0131k taksitleri \u00f6demeye yetiyorsa bu se\u00e7ene\u011fi hemen tercih edin \u00e7\u00fcnk\u00fc faizi y\u00fczde 0. Sadece kredi masraflar\u0131n\u0131 veriyorsunuz.<\/p>\n

\u0130kinci se\u00e7enek 120 ay vade. Bankalar 120 ay yani 10 y\u0131la y\u0131ll\u0131k 0.45 faiz uyguluyor.<\/p>\n

\u00dc\u00e7\u00fcnc\u00fc se\u00e7enek ise 240 ay. 20 y\u0131ll\u0131k vadeye uygulanan faiz oran\u0131 ise 0.72.<\/p>\n

\u015eimdi gelin ikinci ve<\/p>\n

\u00fc\u00e7\u00fcnc\u00fc se\u00e7enekler \u00fczerinde biraz dural\u0131m.<\/p>\n

HANG\u0130 VADE HANG\u0130 TAKS\u0130T<\/h2>\n

\u0130\u015fimizi kolayla\u015ft\u0131rmak i\u00e7in bankadan alaca\u011f\u0131m\u0131z krediyi 100 bin lira olarak varsayaca\u011f\u0131m. 120 ay\u0131 veya 240 ay\u0131 tercih etti\u011fimizde kar\u015f\u0131m\u0131za \u00e7\u0131kan tablo \u00e7ok farkl\u0131.<\/p>\n

Sabit taksiti tercih edersek 120 ay boyunca, y\u00fczde 0.45\u2019lik faizle her ay 1080 TL \u00f6d\u00fcyoruz. Bu durumda 100 bin liral\u0131k kredi kullan\u0131m\u0131m\u0131za kar\u015f\u0131l\u0131k 10 y\u0131l\u0131n sonunda bankaya 129 bin 600 lira \u00f6demek durumday\u0131z.<\/p>\n

240 AYDA FARK KORKUN\u00c7<\/h2>\n

240 ay\u0131 tercih etti\u011fimizde ise ayl\u0131k taksitimiz 150 TL azal\u0131yor. 240 ay boyunca y\u00fczde 0.79\u2019lik faizle her ay 930 TL \u00f6d\u00fcyorsunuz. Taksitin cazibesi daha iyimi\u015f gibi g\u00f6z\u00fck\u00fcyor ancak dikkat edin 10 y\u0131l daha taksit \u00f6d\u00fcyorsunuz ve toplamda bankaya \u00f6deyece\u011finiz tutar 223 bin 200 TL\u2019ye \u00e7\u0131k\u0131yor. Arada korkun\u00e7 bir fak var. Her ay 150 TL daha az taksit \u00f6demenin bedeli 20 y\u0131l sonunda cebinizden 93 bin 600 lira fazla para \u00e7\u0131kmas\u0131 oluyor.<\/p>\n

120 aya uygulanan 0.45 lik faiz d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde 240 ay i\u00e7in istenen 0.79\u2019luk faiz \u00e7ok y\u00fcksek kal\u0131yor. Bu da maliyetinizi a\u011f\u0131rla\u015ft\u0131r\u0131yor.<\/p>\n

Kampanya \u00f6ncesi 120 aya uygulanan 0.88\u2019lik faiz kam-panya s\u00fcresince 0.45\u2019e d\u00fc\u015f\u00fcr\u00fclm\u00fc\u015f. Bu da her ne kadar kampanyada 20 y\u0131l vadeye dikkat \u00e7ekilse de as\u0131l 10 y\u0131l\u0131n daha cazip oldu\u011funu ortaya koyuyor.<\/p>\n

DE\u011e\u0130\u015eKEN TAKS\u0130T SE\u00c7ENE\u011e\u0130<\/h2>\n

Son olarak \u00e7o\u011fu vatanda\u015f\u0131n g\u00f6z\u00fcnden ka\u00e7an \u00f6nemli bir ayr\u0131nt\u0131ya dikkat \u00e7ekmek istiyorum. Bankalar vatanda\u015fa kredi kulland\u0131r\u0131rken sabit taksit d\u0131\u015f\u0131nda bir de de\u011fi\u015fken taksit se\u00e7ene\u011fi sunabiliyor. Bu tercihin mant\u0131\u011f\u0131 \u015f\u00f6yle. 10 y\u0131l \u00e7ok uzun bir vade. 10 y\u0131l boyunca gelirinizin yerinde sayaca\u011f\u0131n\u0131 varsaymam\u0131z yanl\u0131\u015f olur. Her y\u0131l gelirinizin bir miktar artaca\u011f\u0131n\u0131 hesaba katmam\u0131z durumunda ise taksitlerinizi de buna g\u00f6re belirleme \u015fans\u0131n\u0131z var. Ben size daha iyi bir \u00f6rnek sunabilmem i\u00e7in bir bankadan de\u011fi\u015fken taksitli kredi plan\u0131 istedim. Her y\u0131l taksitlerimin y\u00fczde 5 art\u0131rabilece\u011fimi beyan ettim. 100 bin liral\u0131k kredime kar\u015f\u0131l\u0131k 120 ayl\u0131k taksitlerim 877 TL\u2019den ba\u015flad\u0131. Dikkat edin 240 ay \u00f6deyece\u011finiz sabit taksitten bile daha avantajl\u0131. \u0130kinci y\u0131l taksitlerim 920 TL\u2019ye \u00e7\u0131kt\u0131. 10\u2019uncu y\u0131lda \u00f6deyece\u011fim ayl\u0131k taksitlerim ise 1361 TL\u2019ye y\u00fckseldi. Toplamda 100 bin lira krediye kar\u015f\u0131l\u0131k \u00f6deyece\u011fim bedel ise 132 bin lira oldu. Sabit taksitli krediden yakla\u015f\u0131k 3 bin lira fazla \u00f6demi\u015f oldum. Ancak bu senaryoda ba\u015flang\u0131\u00e7ta \u00f6dedi\u011fim taksitler d\u00fc\u015f\u00fck oldu\u011fu i\u00e7in daha rahat bir \u00f6denebilirlik durumu ortaya \u00e7\u0131kt\u0131. Taksitleri y\u00fcksek tutup \u00f6deme g\u00fc\u00e7l\u00fc\u011f\u00fc \u00e7ekmektense ba\u015ftan d\u00fc\u015f\u00fck tutup gelirinizdeki art\u0131\u015fa paralel y\u00fckseltmeniz \u00e7ok \u00f6nemli avantaj sunacakt\u0131r.<\/p>\n

Ayn\u0131 se\u00e7ene\u011fin asl\u0131nda 240 ay vadeli krediler i\u00e7in de sunuldu\u011funu belirtmem gerekir. Bu durumda da ilk y\u0131llarda \u00f6deyece\u011finiz taksitlerin tutar\u0131 azalacak sonraki y\u0131llarda artacakt\u0131r. Bug\u00fcn i\u00e7in vadelerin 240 aya kadar \u00e7\u0131kmas\u0131 \u00e7ok olumlu. Ancak bankalar\u0131n 120 aya g\u00f6re faizleri 240 ayda y\u00fcksek tutmas\u0131 \u015fu an i\u00e7in bu vadenin cazibesini azalt\u0131yor. \u00d6zetlersek, bu kampanyadan faydalanmay\u0131 d\u00fc\u015f\u00fcnen okurlar\u0131m\u0131z 240 ay yerine 120 ay\u0131 tercih ederse, 120 ayda da sabit yerine de\u011fi\u015fiken taksitli bir \u00f6deme plan\u0131 belirlerse, en avantajl\u0131 \u015fekilde kredi kullan\u0131m\u0131 yapacakt\u0131r.<\/p>\n

H\u00fcrriyet \/ Sefer LEVENT<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

H\u00fcrriyet Ekonomi yazar\u0131 Sefer Levent bug\u00fcnki yaz\u0131s\u0131nda Emlak Konut GYO seferberli\u011finde ba\u015flayan “Gayrimenkulde G\u00fc\u00e7 Birli\u011fi Daha G\u00fc\u00e7l\u00fc T\u00fcrkiye” kampanyas\u0131n\u0131 de\u011ferlendirdi. Emlak Konut GYO liderli\u011findeki yeni konut kampanyas\u0131nda vade 240 aya kadar \u00e7\u0131kt\u0131. Ancak 240 ay\u0131n faizi 120 aya g\u00f6re \u00e7ok y\u00fcksek. 100 bin liral\u0131k kredi alan vatanda\u015f bankaya fazladan 93 bin lira \u00f6d\u00fcyor. Oysa daha […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5220,97,5388],"tags":[459,2434,80,11497,2818,951,6450,277,11118,11102,11611],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/10794"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10794"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/10794\/revisions"}],"predecessor-version":[{"id":10795,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/10794\/revisions\/10795"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}