Merkez Bankas\u0131 bug\u00fcn Para Politikas\u0131 Faizlerini a\u00e7\u0131klayacak. 2018 Eyl\u00fcl ay\u0131nda %24 seviyesine ula\u015fan repo faizleri d\u00fc\u015fecek mi? Konut kredisi faiz oranlar\u0131 nas\u0131l etkilenecek?<\/p>\n
Merkez Bankas\u0131 13 Eyl\u00fcl 2018\u2019de toplanan Para Politikas\u0131 Toplant\u0131s\u0131nda Repo faizlerini %24 seviyesine \u00e7\u0131kard\u0131. Ard\u0131ndan t\u00fcm bankalar\u0131n konut kredisi faiz oranlar\u0131 h\u0131zla y\u00fckseldi. Politika faizlerinde alt\u0131 ayl\u0131k s\u00fcre\u00e7te de\u011fi\u015fiklik olmasa da piyasa ko\u015fullar\u0131 kar\u015f\u0131s\u0131nda bankalar konut kredisi faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrmeye ba\u015flad\u0131.<\/p>\n
2018\u2019in Ekim ay\u0131ndan sonra d\u00fc\u015f\u00fc\u015f trendine giren konut kredisi faiz oranlar\u0131nda indirimler \u00f6zellikle \u015eubat ay\u0131nda h\u0131z kazand\u0131. Mart ay\u0131na gelindi\u011finde ise kamu bankalar\u0131 bir bir kampanyalar\u0131n\u0131 a\u00e7\u0131klayarak konut kredisi faiz oranlar\u0131n\u0131 ciddi oranda d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n
2018 Ekim ortas\u0131nda %2.68 seviyesinde olan konut kredisi faiz oranlar\u0131 ortalamas\u0131 2019 \u015eubat ortas\u0131nda %2\u2019nin alt\u0131na, g\u00fcncel olarak ise %1.88 seviyesine kadar geriledi. Bankalar\u0131n en d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 ise %1.23\u2019e d\u00fc\u015ft\u00fc.<\/p>\n
Ekonominin 2018\u2019in \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011fine oranla iyile\u015fme g\u00f6stermesi \u00fczerine bankalar\u0131n konut kredisi faiz oranlar\u0131 d\u00fc\u015f\u00fc\u015f g\u00f6stermeye ba\u015flad\u0131. Ekonomik dengelerin Merkez Bankas\u0131 faiz karar\u0131n\u0131 nas\u0131l etkileyece\u011fi ise bug\u00fcn g\u00f6r\u00fclecek.<\/p>\n
Konut kredileri faiz oranlar\u0131 Merkez Bankas\u0131\u2019n\u0131n para politikas\u0131 faizlerinden etkilenen bir yap\u0131dad\u0131r. Konut kredisi faiz oranlar\u0131 son haftalarda d\u00fc\u015f\u00fc\u015f g\u00f6stermi\u015f olsa da Merkez Bankas\u0131 faizleri mevcut durumda oldu\u011fu s\u00fcrece konut kredisi faizlerinin daha fazla d\u00fc\u015fmesi uzmanlarca zor olarak yorumlan\u0131yor.<\/p>\n
Ekonomistlerin tahminlerine g\u00f6re iki olas\u0131 karar bekleniyor. B\u00fcy\u00fck \u00e7o\u011funlu\u011fun beklentisi ekonomik g\u00f6stergeler net bir bi\u00e7imde d\u00fczelmeden Merkez Bankas\u0131\u2019n\u0131n politika faizlerini de\u011fi\u015ftirmeyece\u011fi y\u00f6n\u00fcnde olup bug\u00fcn ger\u00e7ekle\u015fecek Mart ay\u0131 toplant\u0131s\u0131nda faiz indirimi yap\u0131lmamas\u0131 y\u00f6n\u00fcnde.<\/p>\n
Di\u011fer beklenti ise d\u00fc\u015f\u00fck ihtimalli olsa da politika faizlerinin d\u00fc\u015f\u00fcr\u00fclmesi y\u00f6n\u00fcnde. E\u011fer bu beklenti ger\u00e7ekle\u015firse bankalar\u0131n konut kredisi faiz oranlar\u0131nda indirim yapmas\u0131 daha kolayla\u015fm\u0131\u015f olacak. Fakat buradaki tehlike d\u00fc\u015fen repo faizleri, dolar\u0131n ve kurlar\u0131n y\u00fckselmesine neden olarak yeniden dolayl\u0131 olarak konut kredisi faiz oranlar\u0131nda bask\u0131ya neden olup konut kredisi faizlerini y\u00fckselebilir.<\/p>\n
KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re g\u00fcncel olarak en d\u00fc\u015f\u00fck tabela konut konut kredisi faiz oran\u0131 olan %1.23 \u00fczerinden 100.000 TL tutarl\u0131 5 y\u0131l vadeli konut kredisi i\u00e7in konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda ayl\u0131k taksitler 2.350 TL, toplam geri \u00f6deme ise 142.000 TL oluyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Merkez Bankas\u0131 bug\u00fcn Para Politikas\u0131 Faizlerini a\u00e7\u0131klayacak. 2018 Eyl\u00fcl ay\u0131nda %24 seviyesine ula\u015fan repo faizleri d\u00fc\u015fecek mi? Konut kredisi faiz oranlar\u0131 nas\u0131l etkilenecek? Merkez Bankas\u0131 13 Eyl\u00fcl 2018\u2019de toplanan Para Politikas\u0131 Toplant\u0131s\u0131nda Repo faizlerini %24 seviyesine \u00e7\u0131kard\u0131. Ard\u0131ndan t\u00fcm bankalar\u0131n konut kredisi faiz oranlar\u0131 h\u0131zla y\u00fckseldi. Politika faizlerinde alt\u0131 ayl\u0131k s\u00fcre\u00e7te de\u011fi\u015fiklik olmasa da piyasa […]<\/p>\n","protected":false},"author":1,"featured_media":1921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27671"}],"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=27671"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27671\/revisions"}],"predecessor-version":[{"id":27672,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27671\/revisions\/27672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/1921"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27671"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27671"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}