Konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesini beklemek mant\u0131kl\u0131 m\u0131? Konut fiyatlar\u0131 artacak m\u0131? Konut almak i\u00e7in en hesapl\u0131 d\u00f6nem ne zaman?<\/p>\n
Konut kredilerinin yak\u0131n d\u00f6nemi incelendi\u011finde 2017 y\u0131l\u0131n\u0131n ba\u015f\u0131nda %0.95 seviyelerinde olan konut kredisi faiz oranlar\u0131n\u0131n son iki y\u0131lda d\u00fczenli \u015fekilde artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. 2018 May\u0131s d\u00f6neminde k\u0131sa s\u00fcreli olarak uygulanan kamu bankalar\u0131n\u0131n konut kredisi faiz indirimi kapsam\u0131nda g\u00f6r\u00fclen d\u00fc\u015f\u00fc\u015f\u00fcn haricinde konut fiyatlar\u0131 son iki y\u0131lda s\u00fcrekli olarak y\u00fckselerek 2019\u2019a gelindi\u011finde ortalama %1.30 art\u0131\u015f kat etti.<\/p>\n
2018 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131nda girerken uygulanan konut kredisi faiz indirim kampanyas\u0131n\u0131n hemen ard\u0131ndan ger\u00e7ekle\u015fen kur krizini ge\u00e7ti\u011fimiz y\u0131l konut kredisi faiz oranlar\u0131n\u0131n rekor seviyelere t\u0131rmanmas\u0131na neden oldu.<\/p>\n
2018\u2019in Eyl\u00fcl ay\u0131na gelindi\u011finde artan riskler ve Merkez Bankas\u0131n\u0131n sene ba\u015f\u0131na oranla politika faizlerini \u00fc\u00e7 kat art\u0131rmas\u0131 sonucu bir\u00e7ok bankada konut kredisi faiz oranlar\u0131 %3\u2019\u00fcn \u00fczerinde seviyeleri g\u00f6rd\u00fc.<\/p>\n
Ekim ay\u0131ndan sonra tekrar d\u00fc\u015f\u00fc\u015f ivmesine giren konut kredisi faiz oranlar\u0131 \u00fc\u00e7 ayd\u0131r d\u00fc\u015f\u00fc\u015f trendinde devam etsede halen bankalar\u0131n g\u00fcncel konut kredisi faiz oranlar\u0131 ortalamas\u0131 %2.26 seviyesinde seyrediyor.<\/p>\n
Konut kredisi faiz oranlar\u0131 konut kredisinde psikolojik seviye olan %1\u2019in olduk\u00e7a \u00fczerinde. G\u00fcncel oranlarla 120 ay vadede konut kredisi kullan\u0131ld\u0131\u011f\u0131nda ortalama olarak anaparan\u0131n yakla\u015f\u0131k 2.5 kat\u0131 faiz \u00f6demesi yap\u0131l\u0131yor. Fakat bu faizlerle konut almak beklemekten daha mant\u0131kl\u0131. Ancak ihtiya\u00e7lara uygun, b\u00fct\u00e7enin s\u0131n\u0131rlar\u0131 i\u00e7inde istenilen konut bulunduysa ve kredi kullan\u0131lacak miktar %25 d\u00fczeylerindeyse konut sat\u0131n almak avantajl\u0131 bir se\u00e7enek olarak de\u011ferlendirilebilir.<\/p>\n
Konut kredisi ve konut fiyatlar\u0131n\u0131n son 10 y\u0131ll\u0131k ge\u00e7mi\u015fine bak\u0131ld\u0131\u011f\u0131nda konut kredisi faizlerinin d\u00fc\u015ft\u00fc\u011f\u00fc d\u00f6nemlerde konut fiyatlar\u0131n\u0131n %50\u2019ye varan art\u0131\u015flar g\u00f6sterdi\u011fi, konut kredisi faiz oranlar\u0131n\u0131n art\u0131\u015f g\u00f6sterdi\u011fi d\u00f6nemlerde ise konut fiyatlar\u0131n\u0131n d\u00fc\u015ft\u00fc\u011f\u00fc veya art\u0131\u015f g\u00f6stermedi\u011fi g\u00f6r\u00fclmektedir.<\/p>\n
KrediPazari.com\u2019un edindi\u011fi bilgilere g\u00f6re, T\u00dc\u0130K\u2019in a\u00e7\u0131klad\u0131\u011f\u0131 \u0130n\u015faat Maliyet Endeksleri bina maliyetleri Ekim ay\u0131nda %36 Kas\u0131m ay\u0131nda %30 artt\u0131. 2018\u2019in ilk 9 ay\u0131nda konut yap\u0131 izinleri ise %41 d\u00fc\u015f\u00fc\u015f g\u00f6sterdi.<\/p>\n
Buna ra\u011fmen \u00a0Merkez Bankas\u0131\u2019n\u0131n Konut Fiyat Endekslerine g\u00f6re konut fiyatlar\u0131 2018 Ekim ay\u0131nda %14 Kas\u0131m ay\u0131nda ise %12 azal\u0131\u015f g\u00f6sterdi.<\/p>\n
Konut maliyetleri h\u0131zla artarken yeni konut izinleri neredeyse yar\u0131 yar\u0131ya d\u00fc\u015fm\u00fc\u015fken konut fiyatlar\u0131 artan konut kredisi faiz oranlar\u0131 kar\u015f\u0131s\u0131nda d\u00fc\u015fen konut talebinden \u00f6t\u00fcr\u00fc erimeye devam ediyor.<\/p>\n
Konut kredisi faiz oranlar\u0131nda ger\u00e7ekle\u015fecek indirim sonras\u0131nda konut talebinin artmas\u0131yla konut fiyatlar\u0131n\u0131n ciddi \u015fekilde art\u0131\u015f g\u00f6stermesi ka\u00e7\u0131n\u0131lmaz bir ger\u00e7ek.<\/p>\n
\u0130NDER Ba\u015fkan\u0131 Nazmi Durbakay\u0131m ge\u00e7ti\u011fimiz g\u00fcnlerde yapt\u0131\u011f\u0131 a\u00e7\u0131klamada \u2018’Maliyetler \u00e7ok y\u00fckseldi. Bunlar hen\u00fcz fiyatlara yans\u0131t\u0131lmad\u0131. Faizlerde de a\u015fa\u011f\u0131 trend g\u00f6zleniyor. Bu trendin h\u0131zlanmas\u0131 h\u00e2linde, konut fiyatlar\u0131nda art\u0131\u015f ka\u00e7\u0131n\u0131lmaz olacak. T\u0131pk\u0131 2001 krizinin ard\u0131ndan, 2004 ve sonras\u0131nda ya\u015fanan gibi bir s\u00fcre\u00e7 bizi bekliyor. 2019\u2019da fiyatlar\u0131n %25 artabilece\u011fini tahmin ediyoruz.\u201d dedi.<\/p>\n
G\u00fcncel olarak Ziraat Bankas\u0131, Vak\u0131fBank, HalkBank, \u0130\u015f Bankas\u0131, Vak\u0131f Kat\u0131l\u0131m, Ziraat Kat\u0131l\u0131m ve Kuveyt T\u00fcrk Bankalar\u0131 anla\u015fmal\u0131 konut projeleri kapsam\u0131nda %0.98 konut kredisi faiz oran\u0131 kulland\u0131r\u0131yor.<\/p>\n
Buna ek olarak 31 Mart\u2019a kadar tapu har\u00e7lar\u0131nda ve konutta uygulanan KDV oranlar\u0131nda indirimler uygulan\u0131yor. Vergi indirimleri konut al\u0131mlar\u0131nda al\u0131c\u0131 i\u00e7in %10\u2019a yak\u0131n kar sa\u011fl\u0131yor.<\/p>\n
Kampanyalar\u0131n son bulmas\u0131na k\u0131sa bir s\u00fcre kald\u0131. Konut fiyatlar\u0131nda beklenen art\u0131\u015flar meydana gelmeden \u00f6nce konut kredisi faiz oranlar\u0131nda da indirimler devam ederken konut almak isteyen vatanda\u015f\u0131n aceleci olmas\u0131nda fayda var.<\/p>\n
Konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesini beklemek mant\u0131kl\u0131 m\u0131? Konut fiyatlar\u0131 artacak m\u0131? Konut almak i\u00e7in en hesapl\u0131 d\u00f6nem ne zaman? Konut kredilerinin yak\u0131n d\u00f6nemi incelendi\u011finde 2017 y\u0131l\u0131n\u0131n ba\u015f\u0131nda %0.95 seviyelerinde olan konut kredisi faiz oranlar\u0131n\u0131n son iki y\u0131lda d\u00fczenli \u015fekilde artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. 2018 May\u0131s d\u00f6neminde k\u0131sa s\u00fcreli olarak uygulanan kamu bankalar\u0131n\u0131n konut kredisi faiz indirimi […]<\/p>\n","protected":false},"author":1,"featured_media":26671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[12965],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26670"}],"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=26670"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26670\/revisions"}],"predecessor-version":[{"id":26672,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26670\/revisions\/26672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/26671"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26670"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26670"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26670"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}