{"id":27903,"date":"2019-03-27T08:58:49","date_gmt":"2019-03-27T05:58:49","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=27903"},"modified":"2019-03-27T08:58:49","modified_gmt":"2019-03-27T05:58:49","slug":"konut-kredisi-faizleri-nasil-seyredecek","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=27903","title":{"rendered":"Konut Kredisi Faizleri Nas\u0131l Seyredecek?"},"content":{"rendered":"
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Bankalar\u0131n konut kredisi faiz oranlar\u0131 ekonomide son g\u00fcnlerde ya\u015fanan dalgalanmadan nas\u0131l etkilenecek? Konut kredisi faiz oranlar\u0131 y\u00fckselir mi?<\/p>\n

Bankalar\u0131n konut kredisi faiz oranlar\u0131 2018 Ekim ay\u0131ndan itibaren d\u00fcne kadar yakla\u015f\u0131k be\u015f ayd\u0131r d\u00fc\u015f\u00fc\u015f e\u011filiminde devam etmi\u015fti. Piyasalarda ya\u015fanan hareketlilik ile be\u015f ay sonra ilk defa bir bankan\u0131n konut kredisi faiz oran\u0131 art\u0131\u015fa ge\u00e7ti.<\/p>\n

Ge\u00e7ti\u011fimiz hafta Cuma g\u00fcn\u00fc y\u00fckselmeye ba\u015flayan d\u00f6viz kuru d\u00fcnden itibaren tekrar d\u00fc\u015f\u00fc\u015f g\u00f6stermeye ba\u015flasa da konut yat\u0131r\u0131m\u0131nda bulunmak isteyen ve konut kredisi kullanmak isteyen t\u00fcketiciyi tedirgin etti. D\u00f6viz kurunda ya\u015fanan hareketlilik devam ederken konut kredisi faiz oranlar\u0131n\u0131n a\u015fa\u011f\u0131 m\u0131 yukar\u0131 m\u0131 y\u00f6nl\u00fc seyredece\u011fi merak konusu.<\/p>\n

Cuma g\u00fcn\u00fc ya\u015fanan kur art\u0131\u015f\u0131 sonra Merkez Bankas\u0131 kura m\u00fcdahale etmek i\u00e7in bir hafta vadeli repo ihalelerini durdurarak yan\u0131t verdi. Bu hamle bankalar\u0131n likiditeye ula\u015fmas\u0131nda \u00f6rt\u00fcl\u00fc bir faiz artt\u0131m\u0131 olarak bask\u0131 yaratmaya ba\u015flad\u0131. Merkez Bankas\u0131 hafta ba\u015f\u0131nda d\u00f6viz kar\u015f\u0131l\u0131\u011f\u0131 TL swap piyasas\u0131nda vadesi gelmemi\u015f toplam swap sat\u0131\u015f\u0131 s\u0131n\u0131r\u0131n\u0131 da %10’dan %20’ye \u00e7\u0131karak bankalar\u0131 rahatlasa da konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fc\u015f ivmesinin durmas\u0131na engel olamad\u0131.<\/p>\n

Di\u011fer yandan yabanc\u0131 bankalar\u0131n TL elde etmek i\u00e7in kulland\u0131\u011f\u0131 Londra swap piyasas\u0131nda gecelik faizler %22’den %230’a, haftal\u0131k vadede ise %24’den %120’ye y\u00fckseldi. Londra TL swap piyasas\u0131 takas i\u015flemlerinde T\u00fcrk Liras\u0131n\u0131n faiz oran\u0131n\u0131n% 90’a y\u00fckseldi.<\/p>\n

TL’nin spot piyasalarda de\u011fer kaybetmesinin ard\u0131ndan, TL\u2019 deki oynakl\u0131k g\u00f6stergeleri 2018 Eyl\u00fcl – Ekim d\u00f6neminden bu yana en y\u00fcksek seviyeye \u00e7\u0131kt\u0131. Liran\u0131n 1 haftal\u0131k \u00f6ng\u00f6r\u00fclen oynakl\u0131\u011f\u0131 bir hafta \u00f6ncesine g\u00f6re 7.8’den 32.7’ye y\u00fckselirken, 3 ayl\u0131k ve 6 ayl\u0131k \u00f6ng\u00f6r\u00fclen oynakl\u0131\u011f\u0131 22’ye y\u00fckseldi.<\/p>\n

Kurda ya\u015fanan dalgalanma devam etti\u011fi s\u00fcrece bankalar\u0131n konut kredisi faiz oranlar\u0131n\u0131n da y\u00fckselme e\u011filimine gidebilece\u011fi d\u00fcn ya\u015fanan konut kredisi faiz artt\u0131r\u0131m\u0131 ile g\u00f6r\u00fcld\u00fc.<\/p>\n

G\u00fcncel olarak kamu bankalar\u0131n\u0131n Mart ba\u015f\u0131nda uygulad\u0131\u011f\u0131 konut kredisi kampanyalar\u0131 devam ederken KrediPazari.com’un ara\u015ft\u0131rmalar\u0131na g\u00f6re en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 %1.28 seviyesinde. S\u00f6z konusu faiz oran\u0131 \u00fczerinden 100.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda 10 y\u0131l vadeli geri \u00f6demesi ayl\u0131k 1.635 TL, toplam geri \u00f6deme miktar\u0131 ise 196.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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Bankalar\u0131n konut kredisi faiz oranlar\u0131 ekonomide son g\u00fcnlerde ya\u015fanan dalgalanmadan nas\u0131l etkilenecek? Konut kredisi faiz oranlar\u0131 y\u00fckselir mi? Bankalar\u0131n konut kredisi faiz oranlar\u0131 2018 Ekim ay\u0131ndan itibaren d\u00fcne kadar yakla\u015f\u0131k be\u015f ayd\u0131r d\u00fc\u015f\u00fc\u015f e\u011filiminde devam etmi\u015fti. Piyasalarda ya\u015fanan hareketlilik ile be\u015f ay sonra ilk defa bir bankan\u0131n konut kredisi faiz oran\u0131 art\u0131\u015fa ge\u00e7ti. Ge\u00e7ti\u011fimiz hafta […]<\/p>\n","protected":false},"author":1,"featured_media":23935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[2818,12439,11487],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27903"}],"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=27903"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27903\/revisions"}],"predecessor-version":[{"id":27904,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/27903\/revisions\/27904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23935"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}