Ne zamand\u0131r ev sahibi olmak istiyorsunuz ancak konut kredileri \u00e7ok y\u00fcskek oldu\u011fu i\u00e7in bekliyorsunuz peki konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesini beklemeye ge\u00e7mek mant\u0131kl\u0131 m\u0131? Yak\u0131n zamanda konut fiyatlar\u0131 artacak m\u0131? Konut alman\u0131n en hesapl\u0131 d\u00f6nemi ne zaman?\u00a0<\/b><\/p>\n
Bankalar\u0131n vermi\u015f oldu\u011fu konut kredilerinin yak\u0131n d\u00f6nemdeki durumu incelendi\u011finde 2017 y\u0131l\u0131n\u0131n ba\u015flar\u0131nda y\u00fczde 0.95 oranlar\u0131nda olan konut kredisi faiz oranlar\u0131 son iki senede s\u00fcrekli bir \u015fekilde artt\u0131\u011f\u0131 g\u00f6r\u00fcn\u00fcyor. 2018 y\u0131l\u0131nda May\u0131s ay\u0131 d\u00f6neminde k\u0131sa s\u00fcreli\u011fine olsada uygulanan kamu bankalar\u0131n\u0131n konut kredisi faiz indirim kampanyas\u0131 kapsam\u0131nda yap\u0131lan d\u00fc\u015f\u00fc\u015f\u00fcn haricinde konut fiyatlar\u0131 son iki senede s\u00fcrekli bir \u015feklide y\u00fckselerek 2019 y\u0131l\u0131na geldi\u011fimizde ortalama oran olarak y\u00fczde 1.30 art\u0131\u015f g\u00f6sterdi.<\/p>\n
2018’in ikinci yar\u0131s\u0131n\u0131n ba\u015flar\u0131nda yap\u0131lan konut kredisi faiz indirimi kampanyas\u0131n\u0131n ard\u0131ndan ya\u015fanan kur art\u0131\u015f\u0131 krizini atlatt\u0131\u011f\u0131m\u0131z y\u0131l konut kredisi faiz oranlar\u0131n\u0131n rekor d\u00fczeyde seviyelere \u00e7\u0131kmas\u0131na neden oldu.<\/p>\n
2018\u2019de Eyl\u00fcl ay\u0131na geldi\u011fimizde y\u00fckselen riskler ve Merkez Bankas\u0131ndan senenin ilk aylar\u0131na oranla politika faizlerini \u00fc\u00e7 kat daha y\u00fckseltmesi sonucunda bir\u00e7ok bankada konut kredisi faiz oranlar\u0131na art\u0131\u015f yaparak y\u00fczde 3\u2019\u00fcn \u00fczerinde seviyelere \u00e7\u0131kard\u0131lar.<\/p>\n
2018 y\u0131l\u0131 Ekim ay\u0131n\u0131n sonras\u0131nda ise tekrardan d\u00fc\u015f\u00fc\u015f eyilimine giren konut kredisi faiz oranlar\u0131 son \u00fc\u00e7 ayd\u0131r d\u00fc\u015f\u00fc\u015f trendinde devam etsede hala bankalar\u0131n g\u00fcncel konut kredisi faiz oranlar\u0131 ortalamas\u0131 y\u00fczde 2.26 seviyesinde devam ediyor.<\/p>\n
Son g\u00fcnlerde ki konut kredisi faiz oranlar\u0131nda konut kredisinde psikolojik seviye olan y\u00fczde 1\u2019in baya \u00fczerinde seyreymeye deam ediyor. \u015eu andaki g\u00fcncel oranlar ile 120 ay vade ile konut kredisi kullan\u0131ld\u0131\u011f\u0131nda ortalama olarak anaparan\u0131n yakla\u015f\u0131k 2.5 kat\u0131 faiz \u00f6demesi yap\u0131l\u0131yor. Ancak bu faizler ile konut almak beklemekten daha mant\u0131kl\u0131. Fakat al\u0131nacak konut ihtiya\u00e7lara uygunsa ve b\u00fct\u00e7enin s\u0131n\u0131rlar\u0131 i\u00e7inde istenilen konut bulunduysa e\u011fer ve de kullan\u0131lacak kredi miktar\u0131da y\u00fczde 25 d\u00fczeylerindeyse konut almak daha avantajl\u0131 bir se\u00e7enek olacakt\u0131r.<\/p>\n
\u00dclkemizde konut kredisi ve konut fiyatlar\u0131nda ki son 10 y\u0131la bak\u0131ld\u0131\u011f\u0131nda konut kredisi faizlerinin d\u00fc\u015ft\u00fc\u011f\u00fc zamanlarda ise konut fiyatlar\u0131n\u0131n y\u00fczde 50\u2019ye varan art\u0131\u015flar g\u00f6sterdi\u011fiydi. Konut kredisi faiz oranlar\u0131n\u0131n art\u0131\u015f g\u00f6sterdi\u011fi zamanlarda ise konut fiyatlar\u0131n\u0131n d\u00fc\u015ft\u00fc\u011f\u00fc veya art\u0131\u015f g\u00f6stermedi\u011fi g\u00f6r\u00fclm\u00fc\u015ft\u00fcr.<\/p>\n
Kredi Pazar\u0131’n\u0131n ula\u015ft\u0131\u011f\u0131 bilgilere g\u00f6re, T\u00dc\u0130K taraf\u0131ndan yap\u0131lan a\u00e7\u0131klama \u0130n\u015faat Maliyet Endeksleri bina maliyetleri Ekim ay\u0131nda y\u00fczde 36 Kas\u0131m ay\u0131nda ise y\u00fczde 30 art\u0131\u015f g\u00f6sterdi. 2018 y\u0131l\u0131n\u0131n ilk 9 ay\u0131nda konut yap\u0131 izinleri ise y\u00fczde 41 d\u00fc\u015f\u00fc\u015f ya\u015fad\u0131.\u00a0Buna ra\u011fmen Merkez Bankas\u0131\u2019n\u0131n Konut Fiyat Endekslerine g\u00f6re konut fiyatlar\u0131 2018 Ekim ay\u0131nda y\u00fczde 14 Kas\u0131m ay\u0131nda ise y\u00fczde 12 azal\u0131\u015f ya\u015fad\u0131.<\/p>\n
\u0130leride konut kredisi faizleri oranlar\u0131nda ya\u015fanacak indirimle konut talebinin artmas\u0131 ve 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’\u0131n ge\u00e7ti\u011fimiz g\u00fcnlerde yapm\u0131\u015f a\u00e7\u0131klamada “Maliyetler art\u0131k \u00e7ok y\u00fckseldi ve bunlar hen\u00fcz daha fiyatlara yans\u0131t\u0131lmad\u0131. Faizlerde de a\u015fa\u011f\u0131 trend g\u00f6zlemleniyor. Bu trendin daha h\u0131zlanmas\u0131 durumunda, 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 bizleri bekliyor. 2019\u2019da fiyatlar\u0131n y\u00fczde 25 artabilece\u011fini tahmin ediyoruz.” \u015feklinde konu\u015ftu.<\/p>\n
Son g\u00fcnlerde Ziraat Bankas\u0131, Vak\u0131fBank, HalkBank, \u0130\u015f Bankas\u0131, Vak\u0131f Kat\u0131l\u0131m, Ziraat Kat\u0131l\u0131m ve Kuveyt T\u00fcrk Bankalar\u0131n\u0131n anla\u015fmal\u0131 oldu\u011fu konut projeleri y\u00fczde 0.98 konut kredisi faiz oran\u0131 kulland\u0131r\u0131yor.\u00a0Bu kredi oran\u0131na ek olarak 31 Mart\u2019a kadarda tapu har\u00e7lar\u0131nda ve konutta uygulanan KDV oranlar\u0131nda indirimler yap\u0131l\u0131yor. Vergi indirimleri konut al\u0131mlar\u0131nda al\u0131c\u0131 i\u00e7in y\u00fczde 10\u2019a yak\u0131n kar sa\u011fl\u0131yor.<\/p>\n
Bu yap\u0131lan kampanyalar\u0131n s\u00fcrelerinin bitmesine k\u0131sa bir s\u00fcre kald\u0131. Konut fiyatlar\u0131nda beklenen art\u0131\u015flar\u0131n meydana gelmesinden \u00f6nce konut kredisi faiz oranlar\u0131nda da indirimler devam ediyorken konut almay\u0131 isteyen vatanda\u015flar\u0131n aceleci olmas\u0131nda fayda var.<\/p>\n
<\/p>\n
Ne zamand\u0131r ev sahibi olmak istiyorsunuz ancak konut kredileri \u00e7ok y\u00fcskek oldu\u011fu i\u00e7in bekliyorsunuz peki konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesini beklemeye ge\u00e7mek mant\u0131kl\u0131 m\u0131? Yak\u0131n zamanda konut fiyatlar\u0131 artacak m\u0131? Konut alman\u0131n en hesapl\u0131 d\u00f6nemi ne zaman?\u00a0 Bankalar\u0131n vermi\u015f oldu\u011fu konut kredilerinin yak\u0131n d\u00f6nemdeki durumu incelendi\u011finde 2017 y\u0131l\u0131n\u0131n ba\u015flar\u0131nda y\u00fczde 0.95 oranlar\u0131nda olan konut kredisi […]<\/p>\n","protected":false},"author":1,"featured_media":4247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[972,12971,3514],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26686"}],"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=26686"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26686\/revisions"}],"predecessor-version":[{"id":26687,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/26686\/revisions\/26687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/4247"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}