{"id":26850,"date":"2019-01-31T10:47:18","date_gmt":"2019-01-31T07:47:18","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=26850"},"modified":"2019-01-31T10:47:18","modified_gmt":"2019-01-31T07:47:18","slug":"5-yil-konut-kredisinde-faiz-oranlari-ne-durumda","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=26850","title":{"rendered":"5 y\u0131l konut kredisinde faiz oranlar\u0131 ne durumda?"},"content":{"rendered":"
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n\n\n\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n
\n

Bankalar konut kredisi \u00fcr\u00fcnleri dahilinde farkl\u0131 vade s\u00fcreleri i\u00e7in farkl\u0131 faiz oranlar\u0131 uyguluyor. Bankalar\u0131n 5 y\u0131l vadeli konut kredisi faiz oranlar\u0131n\u0131 KrediPazari.com ara\u015ft\u0131rd\u0131. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Bankalar rekabet kar\u015f\u0131s\u0131nda daha cazip f\u0131rsatlar sunmak i\u00e7in faiz oranlar\u0131nda farkl\u0131 kampanyalar uyguluyor. 5 y\u0131l vadede kimi banka faiz oranlar\u0131n\u0131 10 y\u0131la g\u00f6re daha d\u00fc\u015f\u00fck tutarken kimi banka daha y\u00fcksek tutuyor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Konut kredilerinde vade say\u0131s\u0131 uzad\u0131k\u00e7a ayl\u0131k \u00f6deme miktar\u0131 d\u00fc\u015f\u00fc\u015f g\u00f6sterse de artan her vade i\u00e7in faize ba\u011fl\u0131 olarak kredinin toplam geri \u00f6deme miktar\u0131 da art\u0131yor. Durum b\u00f6yle olunca konut kredisi kullanmak isteyen vatanda\u015f\u0131n, en uygun konut kredisi hesaplama y\u00f6ntemlerini kullanarak kendi b\u00fct\u00e7esi ve ayl\u0131k ger\u00e7ekle\u015ftirebilece\u011fi \u00f6deme miktar\u0131 \u0131\u015f\u0131\u011f\u0131nda karar vermesi gerekiyor.<\/span><\/p>\n

\n

Yine de ayn\u0131 kredi tutar\u0131 \u00fczerinden \u00e7ekilen konut kredilerinde 5 y\u0131l vade ile 10 y\u0131l vade aras\u0131nda ciddi geri \u00f6deme fark\u0131 oldu\u011fu bilinmelidir. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Bankalar\u0131n g\u00fcncel ortalama konut kredisi faiz oran\u0131 olan %2.19\u2019dan 100 bin TL tutarda 10 y\u0131l vadeli konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin toplam geri \u00f6deme miktar\u0131 283.000 TL oluyor. Ayn\u0131 tutarda ve oranda 5 y\u0131l vadeli konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde ise kredinin toplam geri \u00f6deme tutar\u0131 180.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

5 y\u0131l ve 10 y\u0131l vadeli konut kredisi \u00f6demeleri k\u0131yasland\u0131\u011f\u0131nda ayl\u0131k \u00f6deme tutarlar\u0131 aras\u0131nda sadece 645 TL fark olsa da toplam geri \u00f6deme miktar\u0131nda 183.000 TL fark olu\u015fuyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Bankalar\u0131n 5 y\u0131l vadeli konut kredisi faiz oranlar\u0131 aras\u0131nda g\u00f6r\u00fclen en alt seviye olan %1.79 faiz oran\u0131 ile 150.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin ayl\u0131k \u00f6demeleri 4.000 TL, toplam geri \u00f6deme tutar\u0131 ise 245.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

KrediPazari.com\u2019un edindi\u011fi bilgilere g\u00f6re bankalar\u0131n 5 y\u0131l vadede kulland\u0131rd\u0131klar\u0131 konut kredisi faiz oranlar\u0131 \u015fu \u015fekilde;<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Garanti Bankas\u0131<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Garanti Bankas\u0131 5 y\u0131l vadeli 500 bin TL\u2019 ye kadar konut kredisi kulland\u0131r\u0131mlar\u0131nda %1.99 faiz oran\u0131 uyguluyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Vak\u0131fBank<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Vak\u0131fBank standart konut kredisi \u00fcr\u00fcn\u00fc kapsam\u0131nda 5 y\u0131l vadeye kadar %2.09 faiz oran\u0131 kulland\u0131r\u0131rken kampanyal\u0131 Sar\u0131 Panjur Konut Kredisi \u00fcr\u00fcn\u00fc ile 60 ay vadeye dek %1.79 faiz oran\u0131 sunuyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

ICBC <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

ICBC Bank standart konut kredisi \u00fcr\u00fcn\u00fc kapsam\u0131nda 5 y\u0131l vadeye kadar %2.8 faiz oran\u0131 uygulasa da kampanyal\u0131 konut kredisi olan Yeni Evim Konut Kredisi \u00fcr\u00fcn\u00fc dahilinde 60 ay vadede %1.84 faiz oranlar\u0131 ile konut kredisi kulland\u0131r\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

\u0130NG Bank <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

\u0130NG Bank 5 y\u0131l vadeli konut kredisi \u00fcr\u00fcnleri kapsam\u0131nda %1.86 faiz oran\u0131 ile konut kredisi kulland\u0131r\u0131yor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Halkbank Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Halkbank 5 y\u0131l vadeye kadar %1.92 faiz oran\u0131 uyguluyor.\u00a0 Halkbank\u2019\u0131n faiz oranlar\u0131 kampanyal\u0131 Hesapl\u0131 Evim Konut Kredisi \u00fcr\u00fcn\u00fc kapsam\u0131nda ise 60 ay vadede %1.88 faiz oran\u0131na d\u00fc\u015f\u00fcyor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Ziraat Bankas\u0131 Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Ziraat Bankas\u0131 limit s\u0131n\u0131r\u0131 olmaks\u0131z\u0131n 5 y\u0131la kadar vadelerde %1.88 faiz oran\u0131 ile konut kredisi kulland\u0131r\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Kuveyt T\u00fcrk Konut Finansman\u0131<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Kuveyt T\u00fcrk Bankas\u0131 konut finansman\u0131 dahilinde 5 y\u0131la kadar %1.89 kar pay\u0131 oran\u0131 ile finansman sa\u011fl\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Akbank Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Akbank 5 y\u0131l vadede 150 bin TL ye kadar %1.92\u2019den ba\u015flayan faiz oranlar\u0131 ile konut kredisi kulland\u0131r\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

DenizBank Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

DenizBank 100 bin TL\u2019 ye kadar olan konut kredilerinde 5 y\u0131l vadeye kadar %1.99 konut kredisi faiz oran\u0131 uyguluyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Yap\u0131 Kredi Bankas\u0131 Konut Kredisi<\/span><\/p>\n

Yap\u0131 Kredi Bankas\u0131 5 y\u0131l vadede kulland\u0131rd\u0131\u011f\u0131 konut kredilerinde %1.99 faiz oran\u0131 sunuyor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

T\u00fcrkiye Finans Konut Finansman\u0131<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

T\u00fcrkiye Finans Kat\u0131l\u0131m Bankas\u0131 ise 5 y\u0131la kadar vadelerde %2.14 faiz oran\u0131 kulland\u0131r\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

\u015eekerbank Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

\u015eekerbank konut kredisi \u00fcr\u00fcnleri kapsam\u0131nda 5 y\u0131l vade i\u00e7in %2.29 faiz oranlar\u0131 kulland\u0131r\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

\u0130\u015f Bankas\u0131 Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

\u0130\u015f Bankas\u0131 5 y\u0131l vade i\u00e7in \u00a0standart ev kredisi \u00fcr\u00fcn\u00fc dahilinde %2.5, kampanyal\u0131 Sonbahar Konut Kredisi \u00fcr\u00fcn\u00fcnde ise %2.1 faiz oranlar\u0131 sunuyor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Finansbank Konut Kredisi<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Finansbank konut kredisi \u00fcr\u00fcnleri kapsam\u0131nda 5 y\u0131l vadeye kadar %2.19 faiz oran\u0131 ile konut kredisi sa\u011fl\u0131yor. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

TEB Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

TEB\u2019in 5 y\u0131l vadeli konut kredisi i\u00e7in faiz oranlar\u0131 ise %2.58 seviyesinde. <\/span><\/p>\n


\n<\/span><\/span><\/p>\n

Anadolubank Konut Kredisi<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Anadolubank 5 y\u0131l vadeye kadar %2.59 faiz oran\u0131 ile konut kredisi kulland\u0131r\u0131yor.<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

HSBC Bank Konut Kredisi<\/span><\/p>\n


\n<\/span><\/span><\/p>\n

HSBC Bank 5 y\u0131l vadede %2.8 faiz oran\u0131 ile konut kredisi uyguluyor. <\/span><\/p>\n

\n
<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
<\/div>\n<\/div>\n<\/div>\n
<\/div>\n<\/div>\n
\n
\n
\n
\n\n\n\n
<\/td>\n\n
\n
Yan\u0131tla<\/span>Y\u00f6nlendir<\/span><\/div>\n<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
<\/div>\n
<\/div>\n<\/div>\n<\/div>\n
\n
\n
<\/div>\n
\n
\n
<\/div>\n
<\/div>\n<\/div>\n<\/div>\n
\n
\n
<\/div>\n<\/div>\n<\/div>\n
\n
\n
<\/div>\n

<\/span><\/div>\n<\/div>\n

<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/td>\n
\n
<\/div>\n
\n
\n
\n
<\/div>\n<\/div>\n<\/div>\n
<\/div>\n<\/div>\n<\/td>\n
\n
<\/div>\n
\n
<\/div>\n<\/div>\n
<\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\n
\n
\n
\n
\n
<\/div>\n<\/div>\n
\n
<\/div>\n<\/div>\n
\n
<\/div>\n<\/div>\n
<\/div>\n
\n
<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
\n
\n
<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
<\/div>\n
\n
<\/div>\n<\/div>\n