D\u00fcn a\u00e7\u0131klanan yeni ekonomik programda bankac\u0131l\u0131k sekt\u00f6r\u00fc ve kredilere ili\u015fkin bir \u00e7ok a\u00e7\u0131klama yap\u0131ld\u0131. Peki konut kredileri yeni ekonomik programdan nas\u0131l etkilenir?<\/p>\n
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Hazine ve Maliye Bakan\u0131 Berat Albayrak, d\u00fcn ger\u00e7ekle\u015fen yeni ekonomik program a\u00e7\u0131klamas\u0131nda bankac\u0131l\u0131k sekt\u00f6r\u00fcne ili\u015fkin \u00f6nemli a\u00e7\u0131klamalarda bulunarak bankalar\u0131n sermaye art\u0131r\u0131m\u0131, kamu bankalar\u0131n\u0131n likiditesi, sorunlu kredilerin sekt\u00f6re yans\u0131mas\u0131 ve yeniden yap\u0131land\u0131rma kredileri hakk\u0131nda a\u00e7\u0131klamalarda bulundu.<\/p>\n
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Albayrak, Sermaye g\u00fc\u00e7lendirme stratejisi kapsam\u0131nda kamu bankalar\u0131na toplam 28 milyar lira D\u0130BS verilmesi ve sermaye yeterlili\u011fi ile likiditesinin art\u0131r\u0131laca\u011f\u0131n\u0131 belirtti. Ayr\u0131ca baz\u0131 sorunlu kredilerin bankalar\u0131n ulusal-uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131n i\u015ftiraki olan bilan\u00e7o d\u0131\u015f\u0131 fonlara devredilece\u011fini bilirtti. Tahsili gecikmi\u015f alacaklar\u0131n da takipte oldu\u011funu ve bankac\u0131l\u0131k sekt\u00f6r\u00fc i\u00e7in risk te\u015fkil etmedi\u011fini ifade etti.<\/p>\n
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Albayrak\u2019\u0131n a\u00e7\u0131klamas\u0131nda direkt olarak konut kredisi faiz oranlar\u0131na ili\u015fkin bir a\u00e7\u0131klama gelmese de en uygun konut kredisi faiz oranlar\u0131n\u0131 sunan kamu bankalar\u0131n\u0131n sermaye yeterlili\u011finin g\u00fc\u00e7lendirilmesi ve likiditesinin art\u0131r\u0131lmas\u0131 vurgusu geldi. Son haftalarda ar\u0131\u015f e\u011filimine giren konut kredisi faiz oranlar\u0131 kar\u015f\u0131s\u0131nda kamu bankalar\u0131n\u0131n da olas\u0131 bir faiz art\u0131\u015f\u0131na gitmesinden tedirgin olan t\u00fcketici i\u00e7in olumlu bir haber olarak g\u00f6r\u00fclebilir.<\/p>\n
Son haftalarda \u00f6zel bankalar\u0131n konut kredisi faiz oranlar\u0131nda art\u0131\u015f yapmas\u0131 ile kamu bankalar\u0131 ile \u00f6zel bankalar aras\u0131ndaki faiz makas\u0131 a\u00e7\u0131lmaya ba\u015flam\u0131\u015ft\u0131. Uzmanlara g\u00f6re kamu bankalar\u0131na yap\u0131lan sermaye deste\u011fi ile Ziraat Bankas\u0131 ve HalkBank\u2019\u0131n d\u00fc\u015f\u00fck konut kredisi faiz oranlar\u0131 ile piyasay\u0131 desteklemesi bekleniyor.<\/p>\n
Bankalar\u0131n konut kredisi ortalamas\u0131 g\u00fcncel olarak %1.9 seviyesinde. En d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 Ziraat Bankas\u0131n\u0131n uygulad\u0131\u011f\u0131 %1.28 d\u00fczeyinde. Banka gayrimenkul\u00fc konut sat\u0131\u015flar\u0131nda ise HalkBank ve Vak\u0131fBank kampanyal\u0131 %0.98 konut kredisi faiz oran\u0131 kulland\u0131r\u0131yor. \u00d6zel bankalar\u0131n konut kredisi faiz oranlar\u0131 ise %1.54 ile %2.58 aral\u0131\u011f\u0131nda seyrediyor.<\/p>\n
Konut Kredisi Hesaplama<\/p>\n
KrediPazari.com\u2019un hesaplama motorundan al\u0131nan konut kredisi hesaplama verilerine g\u00f6re %1.28 faiz oran\u0131 \u00fczerinden 150.000 TL tutarda 10 y\u0131l vadeli kredinin ayl\u0131k taksitleri 2.450 TL oluyor. S\u00f6z konusu krediye vade sonunda yap\u0131lan toplam \u00f6deme ise 294.400 TL\u2019 ye denk geliyor.<\/p>\n
<\/p>\n
Ayn\u0131 \u015fartlarda konut kredisi i\u00e7in kampanyal\u0131 oran olan %0.98 \u00fczerinden konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda ayl\u0131k \u00f6demeler 2.100 TL, to3plam geri \u00f6deme ise 255.700 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n
D\u00fcn a\u00e7\u0131klanan yeni ekonomik programda bankac\u0131l\u0131k sekt\u00f6r\u00fc ve kredilere ili\u015fkin bir \u00e7ok a\u00e7\u0131klama yap\u0131ld\u0131. Peki konut kredileri yeni ekonomik programdan nas\u0131l etkilenir? Hazine ve Maliye Bakan\u0131 Berat Albayrak, d\u00fcn ger\u00e7ekle\u015fen yeni ekonomik program a\u00e7\u0131klamas\u0131nda bankac\u0131l\u0131k sekt\u00f6r\u00fcne ili\u015fkin \u00f6nemli a\u00e7\u0131klamalarda bulunarak bankalar\u0131n sermaye art\u0131r\u0131m\u0131, kamu bankalar\u0131n\u0131n likiditesi, sorunlu kredilerin sekt\u00f6re yans\u0131mas\u0131 ve yeniden yap\u0131land\u0131rma kredileri […]<\/p>\n","protected":false},"author":1,"featured_media":22417,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[13448,13451,13449,13450],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28072"}],"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=28072"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28072\/revisions"}],"predecessor-version":[{"id":28073,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28072\/revisions\/28073"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/22417"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}