{"id":25568,"date":"2018-11-22T12:01:12","date_gmt":"2018-11-22T09:01:12","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=25568"},"modified":"2018-11-22T12:01:12","modified_gmt":"2018-11-22T09:01:12","slug":"konutta-faizler-dustu-407-bin-lira-cepte-kaldi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=25568","title":{"rendered":"Konutta faizler d\u00fc\u015ft\u00fc, 407 bin lira cepte kald\u0131"},"content":{"rendered":"<div class=\"hz_top_post\">\n<div class=\"hz_title_and_meta\">\n<div class=\"hz_title\"><\/div>\n<\/div>\n<\/div>\n<div class=\"hz_main_post_content\">\n<div class=\"big_post_content\">\n<h4>Son aylarda konut kredisi faizlerinde ayl\u0131k faiz % 3.24 oran\u0131ndan y\u00fczde 1.97\u2019ye gerilemesiyle birlikte 120 ay vadeli, 300 bin liral\u0131k kredi kullan\u0131m\u0131nda toplam geri \u00f6demede 407 bin lira azaltt\u0131.<\/h4>\n<div>\n<p>Bankalar\u0131n konut kredisinde verdi\u011fi ayl\u0131k faizlerin % 3.24&#8217;ten 1.97&#8217;ye d\u00fc\u015fmesi 120 ay vade ile kullan\u0131lan 300 bin liral\u0131k konut kredisinde toplam \u00f6demeyi 407 bin lira daha azaltt\u0131. Konut kredisi faizlerinin k\u0131sa s\u00fcrede y\u00fczde 1.5&#8217;e gerilemesi bekleniyor.<\/p>\n<p>2018 A\u011fustos ay\u0131nda kurlarda ya\u015fanan y\u00fckseli\u015f ve k\u00fcresel piyasalardaki trendin etkisiyle eyl\u00fcl ay\u0131nda zirveye \u00e7\u0131kan konut kredisi faizlerinde, son d\u00f6nemde ba\u015flayan d\u00fc\u015f\u00fc\u015f vatanda\u015f\u0131n cebine olumlu olarak yans\u0131yacak.<\/p>\n<h4>Kredi maliyetleri azal\u0131yor<\/h4>\n<p>2018 Eyl\u00fcl ay\u0131nda ayl\u0131k y\u00fczde 3.24&#8217;e \u00e7\u0131kan konut kredisi faizileri ile, 200 bin TL kredi i\u00e7in 120 ay vadeli \u00e7eken vatanda\u015f, toplamda 1 milyon 192 bin TL geri \u00f6demek zorunda kal\u0131yordu. Bu vatanda\u015f\u0131n ayl\u0131k \u00f6demesi 9 bin 936 TL olurken, kredinin y\u0131ll\u0131k ortalama maliyeti ise y\u00fczde 47&#8217;yi a\u015fm\u0131\u015ft\u0131.<\/p>\n<p>Hazine ve Maliye Bakanl\u0131\u011f\u0131&#8217;n\u0131n son d\u00f6nemde ald\u0131\u011f\u0131 tedbirlerin ve makro ekonomideki iyile\u015fme sonucunda, Hazine ihalelerindeki ba\u015far\u0131 kredi faizlerini bug\u00fcn itibar\u0131yla y\u00fczde 2&#8217;nin alt\u0131na indirmi\u015f durumda. 300 bin liral\u0131k 120 ay vadeli kredinin bug\u00fcn ayl\u0131k faizi y\u00fczde 1.97&#8217;ye indi. 300 bin liral\u0131k kredinin ayl\u0131k \u00f6demesi 6 bin 539 TL olurken, toplam \u00f6deme 784 bin TL, y\u0131ll\u0131k maliyet ise y\u00fczde 26.6 oldu. 2 ay \u00f6ncesine g\u00f6re vatanda\u015f\u0131n ayl\u0131k \u00f6demesi 3 bin 397 TL, toplam \u00f6demesi ise 407 bin TL azalm\u0131\u015f oldu.<\/p>\n<p>\u0130n\u015faat firmalar\u0131n\u0131n kampanyalar\u0131yla birlikte, faizdeki d\u00fc\u015f\u00fc\u015f trendinin h\u0131zlanmas\u0131n\u0131n orta s\u0131n\u0131f\u0131n ertelenen konut talebini harekete ge\u00e7irdi\u011fini belirten analistler, ekim ay\u0131 rakamlar\u0131nda bunun ortaya \u00e7\u0131kt\u0131\u011f\u0131na i\u015faret ediyor. D\u00fcn a\u00e7\u0131klanan verilere g\u00f6re eyl\u00fclde y\u00fczde 9.2 azalan konut sat\u0131\u015flar\u0131, ekimde y\u00fczde bir \u00f6nceki aya g\u00f6re y\u00fczde 15.1, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re ise y\u00fczde 19.2 artarak 146 bin 356&#8217;ya \u00e7\u0131kt\u0131. T\u00fcm zamanlar\u0131n ayl\u0131k bazda konut sat\u0131\u015f rekoru k\u0131r\u0131ld\u0131. Konut sat\u0131\u015flar\u0131ndaki art\u0131\u015fta, KDV ve tapu harc\u0131 indirimleri ile yabanc\u0131 al\u0131mlar\u0131 ve \u00f6ne \u00e7ekilen tapu devirleri de etkili oldu.<\/p>\n<h2>Konut kredisi faizinin % 1.5&#8217;e gerilemesi bekleniyor<\/h2>\n<p>Gayrimenkul piyasas\u0131nda 2018 ekimde artan konut sat\u0131\u015flar\u0131na ra\u011fmen, faizin istenilen seviyeye gelmemesinin etkisiyle ipotekli sat\u0131\u015flarda d\u00fc\u015f\u00fc\u015f devam ediyor. Ekim ay\u0131nda da ipotekli sat\u0131\u015flar y\u00fczde 79.1 azald\u0131 ve 8 bin 65&#8217;e indi. Analistler, konut kredisinde d\u00fc\u015f\u00fc\u015f\u00fcn devam edece\u011fi ve ilk etapta y\u00fczde 1.5&#8217;e kadar inece\u011fi g\u00f6r\u00fc\u015f\u00fcnde.<\/p>\n<p>Sabah<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Son aylarda konut kredisi faizlerinde ayl\u0131k faiz % 3.24 oran\u0131ndan y\u00fczde 1.97\u2019ye gerilemesiyle birlikte 120 ay vadeli, 300 bin liral\u0131k kredi kullan\u0131m\u0131nda toplam geri \u00f6demede 407 bin lira azaltt\u0131. Bankalar\u0131n konut kredisinde verdi\u011fi ayl\u0131k faizlerin % 3.24&#8217;ten 1.97&#8217;ye d\u00fc\u015fmesi 120 ay vade ile kullan\u0131lan 300 bin liral\u0131k konut kredisinde toplam \u00f6demeyi 407 bin lira daha [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22613,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,26,5388],"tags":[80,12439,12501],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/25568"}],"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=25568"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/25568\/revisions"}],"predecessor-version":[{"id":25569,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/25568\/revisions\/25569"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/22613"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}