{"id":1920,"date":"2016-06-22T13:10:54","date_gmt":"2016-06-22T10:10:54","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=1920"},"modified":"2018-07-05T14:06:56","modified_gmt":"2018-07-05T11:06:56","slug":"konut-kredisi-faizlerinde-dusus-yuzde-0-67-oraninda-sinirli-kaldi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=1920","title":{"rendered":"Konut kredisi faizlerinde d\u00fc\u015f\u00fc\u015f y\u00fczde 0.67 oran\u0131nda\u00a0s\u0131n\u0131rl\u0131 kald\u0131!"},"content":{"rendered":"

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Merkez Bankas\u0131 bu y\u0131l d\u00f6rd\u00fcnc\u00fc kez faiz koridorunun \u00fcst band\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc. \u00dc\u00e7 ayda 1.75 puan azalt\u0131m yap\u0131ld\u0131. Bu indirim bankalar\u0131n mevduat ve kredi faizlerinde d\u00fc\u015f\u00fc\u015f yaratt\u0131. Ama farkl\u0131 oranlarda.<\/p>\n

<\/div>\n
\n

Merkez Bankas\u0131 bu y\u0131l d\u00f6rd\u00fcnc\u00fc kez faiz koridorunun \u00fcst band\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc. \u00dc\u00e7 ayda 1.75 puan azalt\u0131m yap\u0131ld\u0131. Bu indirim bankalar\u0131n mevduat ve kredi faizlerinde d\u00fc\u015f\u00fc\u015f yaratt\u0131. Ama farkl\u0131 oranlarda.<\/p>\n

– Bankalar\u0131n ayn\u0131 d\u00f6nemde mevduat faizinde yapt\u0131\u011f\u0131 indirimin toplam\u0131 y\u00fczde 0.73 puan.<\/p>\n

– T\u00fcketici kredilerinde y\u00fczde 0.75 puanl\u0131k azalma meydana geldi. Konut kredilerindeki d\u00fc\u015f\u00fc\u015f y\u00fczde 0.67 ile s\u0131n\u0131rl\u0131. Kredili mevduat hesab\u0131 hari\u00e7 ticari kredilerin a\u011f\u0131rl\u0131kl\u0131 ortalamas\u0131 ise y\u00fczde 1.36 geriledi ve y\u00fczde 13.59\u2019a indi. En \u00e7ok istenen ve en \u00e7ok indirimin yap\u0131ld\u0131\u011f\u0131 yer de buras\u0131. 10 Haziran itibar\u0131yla Merkez 1.25 indirmi\u015f, bankalar 1.36 yapm\u0131\u015f. D\u00fcnk\u00fc indirimden sonra bankalar\u0131n faizleri daha a\u015fa\u011f\u0131 \u00e7ekmesi beklenir.<\/p>\n

– \u0130ndirim t\u00fcketici kredilerinde daha az, ticari kredilerde daha \u00e7ok. \u00c7\u00fcnk\u00fc batak oran\u0131 t\u00fcketici kredilerinde daha h\u0131zl\u0131 art\u0131yor.<\/p>\n

– Ayr\u0131ca genel faiz d\u00fczeyi herhangi bir \u015fekilde artt\u0131\u011f\u0131nda t\u00fcketici kredi faizleri art\u0131r\u0131lam\u0131yor ama bankalar ticari kredi faizlerini y\u00fckseltebiliyor. Bankalar\u0131n t\u00fcketici kredilerine i\u015ftah\u0131 bu nedenlerle pek a\u00e7\u0131k de\u011fil. Ancak bu beklentinin olu\u015fmas\u0131 da ciddi bir geli\u015fme.<\/p>\n

– Daha \u00f6nemli bir geli\u015fme, konut kredi faizlerinde \u00fc\u00e7 aya yakla\u015fan d\u00f6nemde yap\u0131lan indirimin y\u00fczde 0.67 ile s\u0131n\u0131rl\u0131 kalmas\u0131nda yat\u0131yor. Demek ki bankalar \u015firketlere kredi a\u00e7maya h\u00e2l\u00e2 i\u015ftahl\u0131 ama konut kredisi a\u00e7maya o kadar da de\u011fil. Bunu ayn\u0131 d\u00f6nemde bir taraf\u0131n faizlerini y\u00fczde 1.36 d\u00fc\u015f\u00fcr\u00fcrken, di\u011fer taraf\u0131n y\u00fczde 0.67 ile s\u0131n\u0131rl\u0131 tutulmas\u0131ndan anl\u0131yoruz. Konut kredi faizlerindeki indirim tam olarak ticari kredilerin yar\u0131s\u0131 d\u00fczeyinde kald\u0131. Bu durum gayrimenkul piyasas\u0131n\u0131n gelece\u011fine, fiyatlar\u0131n seyrine ili\u015fkin beklentilerden kaynaklan\u0131yor olabilir.<\/p>\n

– Halbuki bankalar bu y\u0131l\u0131n \u015fubat ay\u0131na kadar konut sekt\u00f6r\u00fcne kredi vermede daha i\u015ftahl\u0131yd\u0131. Konut kredi faizleri de, ticari kredi faizlerinin alt\u0131nda seyrediyordu. Son aylarda ise konut aleyhine bir ayr\u0131m\u0131n ba\u015flad\u0131\u011f\u0131 dikkati \u00e7ekiyor. \u00dcstelik bu durumun, konut kredilerinde batak oran\u0131n\u0131n daha d\u00fc\u015f\u00fck olmas\u0131na ra\u011fmen meydana gelmesi daha d\u00fc\u015f\u00fcnd\u00fcr\u00fcc\u00fc.<\/p>\n

– Normalde ko\u015fullar\u0131n devam\u0131 halinde faiz indirimlerinin y\u0131l\u0131n ikinci yar\u0131s\u0131na da sarkmas\u0131 beklenebilir. \u00c7\u00fcnk\u00fc d\u00fcnyada faiz oranlar\u0131nda tarihsel d\u00fc\u015f\u00fc\u015fler ger\u00e7ekle\u015fiyor. 5 bin y\u0131l\u0131n en d\u00fc\u015f\u00fck faiz d\u00fczeyine inilmi\u015f. 10.5 trilyon dolarl\u0131k tahvil negatif faizle i\u015flem g\u00f6r\u00fcyor. Enflasyonun ise ad\u0131 bile yok.<\/p>\n

– \u0130\u00e7eride ise man\u015fet enflasyon d\u00fc\u015ft\u00fc, y\u00fckselmiyor; \u00e7ekirdekte de ini\u015f ba\u015flad\u0131. Bir b\u00fcy\u00fck t\u00fcrb\u00fclans\u0131n ya\u015fanmamas\u0131, sermaye hareketlerinin tersine d\u00f6nmemesi ve kurlar\u0131n al\u0131p ba\u015f\u0131n\u0131 gitmemesi halinde bir iki faiz indirimi daha yap\u0131labilir.<\/p>\n

<\/p>\n

Abdurrahman Y\u0131ld\u0131r\u0131m\/Habert\u00fcrk<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Merkez Bankas\u0131 bu y\u0131l d\u00f6rd\u00fcnc\u00fc kez faiz koridorunun \u00fcst band\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc. \u00dc\u00e7 ayda 1.75 puan azalt\u0131m yap\u0131ld\u0131. Bu indirim bankalar\u0131n mevduat ve kredi faizlerinde d\u00fc\u015f\u00fc\u015f yaratt\u0131. Ama farkl\u0131 oranlarda. Merkez Bankas\u0131 bu y\u0131l d\u00f6rd\u00fcnc\u00fc kez faiz koridorunun \u00fcst band\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc. \u00dc\u00e7 ayda 1.75 puan azalt\u0131m yap\u0131ld\u0131. Bu indirim bankalar\u0131n mevduat ve kredi faizlerinde d\u00fc\u015f\u00fc\u015f yaratt\u0131. […]<\/p>\n","protected":false},"author":1,"featured_media":1921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,27],"tags":[961,962,11315,6021,959,960,957,958,2434,956,80,11091,951,952,955,954,277,953,11314,106],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/1920"}],"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=1920"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/1920\/revisions"}],"predecessor-version":[{"id":1923,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/1920\/revisions\/1923"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/1921"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}