D\u00fcn \u00fc\u00e7 kamu bankas\u0131 ve bir\u00e7ok \u00f6zel banka konut kredisi faiz oranlar\u0131nda art\u0131\u015f uygulad\u0131. Art\u0131\u015flar soras\u0131 konut kredisi faiz oranlar\u0131nda son durumu KrediPazari.com ara\u015ft\u0131rd\u0131.<\/p>\n
Bankalar\u0131n konut kredisi faiz oranlar\u0131nda ba\u015flayan art\u0131\u015f d\u00fcn itibariyle h\u0131z\u0131n\u0131 artt\u0131rd\u0131. Kamu bankalar\u0131n\u0131n Mart ba\u015f\u0131ndan itibaren uygulad\u0131\u011f\u0131 kampanyal\u0131 %1.28 konut kredisi faiz oran\u0131 son buldu. En d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 %1.45 oldu. Bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %1.96\u2019ya \u00e7\u0131kt\u0131.<\/p>\n
Konut Kredileri Neden Art\u0131yor ?<\/p>\n
Mart sonundan itibaren dolar kurunda ya\u015fanan art\u0131\u015f piyasalarda s\u0131k\u0131\u015fmaya yol a\u00e7t\u0131. Se\u00e7imlerin son bulmas\u0131na ra\u011fmen halen sonu\u00e7lar\u0131n netle\u015fmemesi ve ABD ile ya\u015fanan S-400 f\u00fczeleri kaynakl\u0131 sorunlar yat\u0131r\u0131mc\u0131n\u0131n uzakla\u015fmas\u0131na ve piyasalar\u0131n daralmas\u0131na neden olmaya devam ediyor.<\/p>\n
Dolar kuru ile m\u00fccadele eden Merkez Bankas\u0131’n\u0131n hamleleri de fonlama maliyetlerini artt\u0131rd\u0131. TCMB’nin yerel se\u00e7imler \u00f6ncesinde ek s\u0131k\u0131la\u015ft\u0131rmaya gitmi\u015f ve ortalama fonlama maliyetini %24’ten kademeli olarak %25.50’e kadar y\u00fckselmi\u015fti.<\/p>\n
Merkez Bankas\u0131 a\u011f\u0131rl\u0131kl\u0131 ortalama fonlama maliyeti hafta ba\u015f\u0131nda ek s\u0131k\u0131la\u015ft\u0131rma benzeri bir uygulamaya gitmemesine ra\u011fmen %24.36 seviyesine y\u00fckseldi. TCMB’nin politika faizleri %24 seviyesinde olmas\u0131na ra\u011fmen gecelik bor\u00e7 verme faizi %25.50, ge\u00e7 likidite penceresi faizi ise %27 seviyesine ula\u015ft\u0131.<\/p>\n
Bankalar durum kar\u015f\u0131s\u0131nda likiditeye ula\u015fmakta zorlanarak artan maliyetleri kar\u015f\u0131lamak i\u00e7in kredi faiz oranlar\u0131nda art\u0131\u015f uygulamaya devam ediyor. Ekonomistler, repo faizleri dengeye girmeden konut kredisi faiz oranlar\u0131n\u0131n sabitlenmeyece\u011fini belirtiyor.<\/p>\n
Konut Kredisi Faiz Oranlar\u0131nda Son Durum<\/p>\n
D\u00fcn pe\u015f pe\u015fe ger\u00e7ekle\u015fen konut kredisi faiz art\u0131\u015flar\u0131 sonras\u0131nda en uygun konut kredisi faiz oran\u0131 %1.45 seviyesine geldi. En d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131n\u0131 %1.45 faiz oran\u0131 ile Ziraat Bankas\u0131 ve Vak\u0131fBank uyguluyor.<\/p>\n
HalkBank ise kampanyal\u0131 can\u0131m evim konut kredisi \u00fcr\u00fcn\u00fc dahilinde banka maa\u015f m\u00fc\u015fterilerine \u00f6zel %1.49, maa\u015f m\u00fc\u015fterisi olmayan t\u00fcketicilere ise %1.55 konut kredisi faiz oran\u0131 sunuyor.<\/p>\n
G\u00fcncellemeler sonras\u0131 Yap\u0131 Kredi Bankas\u0131 10 y\u0131l vade de %1.79 konut kredisi faiz oran\u0131, Garanti Bankas\u0131 ise 10 y\u0131l vadede %1.81 konut kredisi faiz oran\u0131 ile kredi kulland\u0131r\u0131yor.<\/p>\n
Konut Kredisi Hesaplama<\/p>\n
KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 olan %1.45 \u00fczerinden 100.000 TL tutarl\u0131 konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin 5 y\u0131l vadeli ayl\u0131k \u00f6demeleri 2.500 TL, 10 y\u0131l vadeli ayl\u0131k taksitleri ise 1.760 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor. 10 y\u0131ll\u0131k konut kredisinin toplam geri \u00f6demesi 211.600 TL oluyor.<\/p>\n
<\/p>\n
Faiz Art\u0131\u015f\u0131 Sonras\u0131nda Zarar Ne Kadar ?<\/p>\n
<\/p>\n
D\u00fcn ger\u00e7ekle\u015fen faiz art\u0131\u015f\u0131 \u00f6ncesinde en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 olan %1.28 ile kredi kullanmak yerine g\u00fcncel olarak en d\u00fc\u015f\u00fck faiz oran\u0131 %1.45 ile konut kredisi kullanan t\u00fcketici 100.000 TL\u2019lik kredi i\u00e7in ayl\u0131k olarak 128 TL , toplamda ise 15.350 TL daha fazla \u00f6deme yapm\u0131\u015f olacak.<\/p>\n
D\u00fcn \u00fc\u00e7 kamu bankas\u0131 ve bir\u00e7ok \u00f6zel banka konut kredisi faiz oranlar\u0131nda art\u0131\u015f uygulad\u0131. Art\u0131\u015flar soras\u0131 konut kredisi faiz oranlar\u0131nda son durumu KrediPazari.com ara\u015ft\u0131rd\u0131. Bankalar\u0131n konut kredisi faiz oranlar\u0131nda ba\u015flayan art\u0131\u015f d\u00fcn itibariyle h\u0131z\u0131n\u0131 artt\u0131rd\u0131. Kamu bankalar\u0131n\u0131n Mart ba\u015f\u0131ndan itibaren uygulad\u0131\u011f\u0131 kampanyal\u0131 %1.28 konut kredisi faiz oran\u0131 son buldu. En d\u00fc\u015f\u00fck tabela konut kredisi faiz […]<\/p>\n","protected":false},"author":1,"featured_media":27327,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[13315,6967,13467],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28133"}],"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=28133"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28133\/revisions"}],"predecessor-version":[{"id":28134,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28133\/revisions\/28134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/27327"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28133"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}