{"id":27478,"date":"2019-02-22T17:50:49","date_gmt":"2019-02-22T14:50:49","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=27478"},"modified":"2019-02-22T17:50:49","modified_gmt":"2019-02-22T14:50:49","slug":"konut-kredisi-faiz-oranlari-dusuyor-mu-2","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=27478","title":{"rendered":"Konut kredisi faiz oranlar\u0131 d\u00fc\u015f\u00fcyor mu?"},"content":{"rendered":"

Yat\u0131r\u0131mlar\u0131 ve ihtiya\u00e7lar\u0131n ertelenmesinde en \u00f6nemli etken hi\u00e7 ku\u015fkusuz y\u00fcksek faizler. Art\u0131k bankalar bu y\u00fcksek faiz engeli a\u015fmak i\u00e7in faiz oranlar\u0131nda indirimlere ba\u015flad\u0131lar. Son zamanlar\u0131n en g\u00fczel hamlesi de Vak\u0131fBank\u2019tan oldu. Vak\u0131fbank konut kredisi faiz oran\u0131n\u0131 y\u00fczde 1.49’a d\u00fc\u015f\u00fcr\u00fcd\u00fc. \u015eimdi s\u0131ra di\u011fer bankalar\u0131n da bunun gibi ad\u0131mlar atmas\u0131nda.<\/b><\/p>\n

Son g\u00fcnlerde kredi faiz oranlar\u0131nda d\u00fc\u015f\u00fc\u015f haraketi ba\u015flam\u0131\u015fken bankalar da elini ta\u015f\u0131n alt\u0131na koydular. Bu konuda ba\u015f\u0131 \u00e7eken kamu bankalar\u0131ndan (Ziraat, Halkbank ve Vakf\u0131Bank), ge\u00e7ti\u011fimiz g\u00fcnlerde kart borcunu \u00f6demede zorluk \u00e7eken vatanda\u015fa y\u00fczde 1.10 faizle kredi vermeye ba\u015flad\u0131lar. K\u0131sa zamanda binlerce vatanda\u015f bu imkandan faydaland\u0131. Ancak ayn\u0131 faiz oranlar\u0131 konut, ihtiya\u00e7 ve ta\u015f\u0131t kredileri i\u00e7in maalesef ge\u00e7erli de\u011fil.<\/p>\n

10 puandan fazla d\u00fc\u015f\u00fc\u015f oldu<\/h2>\n

Merkez Bankas\u0131 verilerine g\u00f6re; ortalama olarak y\u0131ll\u0131k ihtiya\u00e7 kredisi faizi 8 \u015eubat 2019 itibariyle y\u00fczde 26.86. yani bir ba\u015fka deyi\u015f ile ayl\u0131k ihtiya\u00e7 kredisi faiz oran\u0131 y\u00fczde 2.33. Ta\u015f\u0131t kredisinde ortalama ayl\u0131k faiz oran\u0131 2.22, konut kredisi faiz oran\u0131 ise\u00a0y\u00fczde 1.96. 2018 A\u011fustos ve Eyl\u00fcl ay\u0131nda olan seviyelere g\u00f6re faizler 10 puandan fazla d\u00fc\u015ft\u00fc. Faiz oranlar\u0131nda 2019 Mart, Nisana aylar\u0131nda d\u00fc\u015f\u00fc\u015f\u00fcn daha da h\u0131zlanmas\u0131 bekleniyordu.<\/p>\n

Konut kredisinde en d\u00fc\u015f\u00fck y\u00fczde 1.49<\/h2>\n

Vak\u0131fBank, d\u00fcn yapt\u0131\u011f\u0131 faiz indirimi ile vatanda\u015f\u0131n ihtiya\u00e7lar\u0131n\u0131 daha d\u00fc\u015f\u00fck maliyet ile kar\u015f\u0131lamas\u0131 vede ekonomiye destek olmak i\u00e7in faiz indiriminde erken davranarak \u00e7ok \u00f6nemli bir faiz karar\u0131 alm\u0131\u015f oldu. Vak\u0131fbank konut, ta\u015f\u0131t ve bireysel ihtiya\u00e7 kredisi faiz orann\u0131 ortalama faizlerinide olduk\u00e7a alt\u0131na \u00e7ekti. Buna g\u00f6re; banka 1.5 milyon liraya kadar olan konut kredilerinde ayl\u0131k faiz oran\u0131n\u0131 y\u00fczde 1.63\u2019ten y\u00fczde 1.49 oran\u0131na \u00e7ekti.<\/p>\n

Ne kadar avantaj sa\u011flanm\u0131\u015f oldu?<\/h2>\n

Son faiz indirimi ile 10 y\u0131ll\u0131k vade ile 100 bin TL konut kredisi kullananlar, 13 bin 120 TL\u00a0avantaj sa\u011flam\u0131\u015f olacak. Ayn\u0131 tutarda 48 ay vade ile ta\u015f\u0131t kredisi kullananlar\u0131n ise avantaj\u0131 6 bin 469 TL olacak.<\/p>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

Yat\u0131r\u0131mlar\u0131 ve ihtiya\u00e7lar\u0131n ertelenmesinde en \u00f6nemli etken hi\u00e7 ku\u015fkusuz y\u00fcksek faizler. Art\u0131k bankalar bu y\u00fcksek faiz engeli a\u015fmak i\u00e7in faiz oranlar\u0131nda indirimlere ba\u015flad\u0131lar. Son zamanlar\u0131n en g\u00fczel hamlesi de Vak\u0131fBank\u2019tan oldu. Vak\u0131fbank konut kredisi faiz oran\u0131n\u0131 y\u00fczde 1.49’a d\u00fc\u015f\u00fcr\u00fcd\u00fc. \u015eimdi s\u0131ra di\u011fer bankalar\u0131n da bunun gibi ad\u0131mlar atmas\u0131nda. Son g\u00fcnlerde kredi faiz oranlar\u0131nda d\u00fc\u015f\u00fc\u015f haraketi […]<\/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":[62,80,954],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27478"}],"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=27478"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27478\/revisions"}],"predecessor-version":[{"id":27479,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27478\/revisions\/27479"}],"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=27478"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27478"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27478"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}