Konut kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f trendi Ocak ay\u0131nda da devam ediyor. Bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %2.28 seviyesine geriledi. Ocak ay\u0131n\u0131n ortas\u0131nda bankalar\u0131n konut kredisi faiz oranlar\u0131ndaki son durumu KrediPazari.com ara\u015ft\u0131rd\u0131.<\/p>\n
Kur krizi ve Merkez Bankas\u0131 faiz artt\u0131r\u0131m karar\u0131ndan olumsuz etkilenen konut kredisi faiz oranlar\u0131 2018 ilk yar\u0131s\u0131nda %3 ve \u00fczeri seviyelere ula\u015fm\u0131\u015ft\u0131. 2018\u2019in \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fi sonras\u0131nda d\u00fc\u015f\u00fc\u015f ivmesine giren konut kredisi faiz oranlar\u0131 Ekim ay\u0131ndan itibaren d\u00fc\u015f\u00fc\u015fe ge\u00e7ti.<\/p>\n
Verilere g\u00f6re ihtiya\u00e7 kredisi, ta\u015f\u0131t kredisi ve konut kredisi faizlerinden olu\u015fturulan t\u00fcketici kredi faizi %37.73\u2019e \u00e7\u0131kt\u0131ktan sonra 4 Ocak\u2019ta %31.94\u2019e indi ve 3-3.5 ayda 5.78 puan azald\u0131. Konut kredileri en y\u00fcksek %29.28\u2019e kadar \u00e7\u0131karken sadece 1.58 puan azalarak %27.70\u2019e indi. Bireysel krediler aras\u0131nda d\u00fc\u015f\u00fc\u015f h\u0131z\u0131 en yava\u015f kredi t\u00fcr\u00fc konut kredisi olsa da d\u00fc\u015f\u00fc\u015f ivmesinin ilerleyen aylarda devam etmesi bekleniyor.<\/p>\n
Konut kredisi faiz oranlar\u0131n\u0131n y\u00fckselmesi ile son a\u00e7\u0131klanan T\u00dc\u0130K 2018 Kas\u0131m verilerinde ipotekli sat\u0131\u015flar\u0131n bir \u00f6nceki senenin ayn\u0131 ay\u0131na oranla %85 d\u00fc\u015ft\u00fc\u011f\u00fc g\u00f6r\u00fcld\u00fc.<\/p>\n
Konut sekt\u00f6r\u00fcnde ya\u015fanan olumsuzluklar ve konut almakta zorlanan vatanda\u015f i\u00e7in ge\u00e7ti\u011fimiz ay Ziraat Bankas\u0131 ile konut sekt\u00f6r\u00fc aras\u0131nda i\u015fbirli\u011fi anla\u015fmas\u0131 ger\u00e7ekle\u015ftirildi. \u0130\u015fbirli\u011fi kapsam\u0131nda konut sekt\u00f6r\u00fcn\u00fcn de deste\u011fiyle bankalar anla\u015fmal\u0131 konutlarda ilk olarak 120 ay vade ve 500 bin TL\u2019ye kadar %0.98 faiz oranlar\u0131 ile konut kredisi kulland\u0131rmaya ba\u015flad\u0131.<\/p>\n
Kampanyaya Ziraat Bankas\u0131\u2019n\u0131n ard\u0131ndan HalkBank, Vak\u0131fBank, \u0130\u015f Bankas\u0131, Ziraat Kat\u0131l\u0131m Bankas\u0131, Vak\u0131f Kat\u0131l\u0131m Bankas\u0131 ve son olarakta Kuveyt T\u00fcrk Bankas\u0131 destek verdi. Anla\u015fmadaki konut fiyatlar\u0131n\u0131n y\u00fcksek olmas\u0131 g\u00f6z \u00f6n\u00fcnde bulundurularak kampanyada bulunan baz\u0131 bankalar 500 bin TL olan kredi \u00fcst limitini 1 milyon 200 bin TL kadar \u00e7\u0131kard\u0131.<\/p>\n
Anla\u015fmal\u0131 projelerin sadece b\u00fcy\u00fck \u015fehirlerde bulunmas\u0131 ve marka konutlar\u0131n sat\u0131\u015f \u00a0fiyatlar\u0131n\u0131n y\u00fcksek olmas\u0131 sebebi ile %0.98 faiz oranl\u0131 konut kampanyas\u0131 konut almak isteyen bir\u00e7ok vatanda\u015f\u0131 kapsamad\u0131.<\/p>\n
\u0130kinci el konut almak isteyen vatanda\u015f ise bankalar\u0131n kampanya haricindeki konut kredisi faiz oranlar\u0131na mahkum kald\u0131. Anla\u015fmal\u0131 konut projeleri haricinde bankalar\u0131n konut kredisi faiz oranlar\u0131 alt seviyesi %1.89\u2019dan ba\u015fl\u0131yor. G\u00fcncel olarak en y\u00fcksek konut kredisi faiz oran\u0131 ise %2.8 seviyesinde.<\/p>\n
%1.89 faiz oranl\u0131, 100 bin TL tutarl\u0131, 60 ay vadeli konut kredisi i\u00e7in hesaplama ger\u00e7ekle\u015ftirildi\u011finde kredinin toplam geri \u00f6deme miktar\u0131 168.000 TL ye, ayl\u0131k \u00f6demeleri ise 2.800 TL\u2019ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n
Konut kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f trendi Ocak ay\u0131nda da devam ediyor. Bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %2.28 seviyesine geriledi. Ocak ay\u0131n\u0131n ortas\u0131nda bankalar\u0131n konut kredisi faiz oranlar\u0131ndaki son durumu KrediPazari.com ara\u015ft\u0131rd\u0131. Kur krizi ve Merkez Bankas\u0131 faiz artt\u0131r\u0131m karar\u0131ndan olumsuz etkilenen konut kredisi faiz oranlar\u0131 2018 ilk yar\u0131s\u0131nda %3 ve \u00fczeri seviyelere ula\u015fm\u0131\u015ft\u0131. 2018\u2019in […]<\/p>\n","protected":false},"author":1,"featured_media":24000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221],"tags":[954,2090],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26476"}],"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=26476"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26476\/revisions"}],"predecessor-version":[{"id":26477,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26476\/revisions\/26477"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/24000"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}