Mart ay\u0131nda uygulanan konut kredisi kampanyalar\u0131 ile k\u0131smen artan konut sat\u0131\u015flar\u0131 Nisan\u2019da konut kredisi faiz oranlar\u0131n\u0131n y\u00fckselmesi ile sert d\u00fc\u015ft\u00fc. \u0130potekli konut sat\u0131\u015flar\u0131 %61 azald\u0131.<\/p>\n
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Konut sekt\u00f6r\u00fc i\u00e7in canlanma sinyalleri veren Mart ay\u0131ndan sonra sat\u0131\u015flar\u0131 Nisan ay\u0131nda sert d\u00fc\u015ft\u00fc. Kamu bankalar\u0131n\u0131n se\u00e7im \u00f6ncesinde uygulad\u0131\u011f\u0131 d\u00fc\u015f\u00fck konut kredisi faiz oranlar\u0131 Mart ay\u0131nda 2019\u2019un en iyi konut sat\u0131\u015f rakamlar\u0131na ula\u015ft\u0131rd\u0131. Mart ay\u0131n\u0131n son haftas\u0131ndan itibaren bankalar\u0131n konut kredisi faiz oranlar\u0131 h\u0131zla artmaya ba\u015flad\u0131. Mart\u2019ta %1.85 olan konut kredisi faiz oranlar\u0131 ortalamas\u0131, Nisan ay\u0131nda 15 puan artarak %2\u2019 yi a\u015ft\u0131. S\u00f6z konusu oran \u015fu an %2.1 seviyelerinde.<\/p>\n
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Bankalar\u0131n konut kredisi faiz oranlar\u0131nda ya\u015fanan d\u00fc\u015f\u00fc\u015f ve \u00e7\u0131k\u0131\u015flar ipotekli konut sat\u0131\u015flar\u0131na direkt olarak yans\u0131yor. \u0130potekli sat\u0131\u015flardaki d\u00fc\u015f\u00fc\u015f Mart ay\u0131nda bankalar\u0131n konut kredi faiz oranlar\u0131ndaki kampanyalarla yava\u015flam\u0131\u015ft\u0131 ancak Nisan’da d\u00fc\u015f\u00fc\u015f yeniden h\u0131z kazand\u0131. \u0130potekli sat\u0131\u015flardaki d\u00fc\u015f\u00fc\u015f Ocak’ta %77.2, \u015eubat’ta ise %68.2, Mart’ta %30.6 olarak ger\u00e7ekle\u015fti. Nisan ay\u0131nda ise d\u00fc\u015f\u00fc\u015f yeniden %61 seviyesine \u00e7\u0131kt\u0131.<\/p>\n
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T\u00fcrkiye\u2019nin bel kemi\u011fi olarak nitelendirilen in\u015faat sekt\u00f6r\u00fcn\u00fcn de konut ihtiyac\u0131n\u0131 ertelemek zorunda kalan vatanda\u015f\u0131n da talebi acilen konut kredisi faiz oranlar\u0131na m\u00fcdahale edilmesi y\u00f6n\u00fcnde. Bankalar\u0131n konut kredisi faiz oranlar\u0131 h\u0131z kesmeden art\u0131yor.<\/p>\n
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Konut Kredisi Faizleri D\u00fc\u015fer mi?<\/p>\n
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Konut kredisi faiz oranlar\u0131n\u0131 etkileyen en \u00f6nemli parametrelerden birka\u00e7\u0131 Merkez Bankas\u0131\u2019n\u0131n \u00a0para politikas\u0131 faizleri, d\u00f6viz kuru ve piyasa riskleri \u015feklinde. Bu verileri analiz edebilmek i\u00e7in TCMB d\u00fcn may\u0131s ay\u0131 beklenti anketini a\u00e7\u0131klad\u0131.<\/p>\n
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Merkez Bankas\u0131 beklenti anketinde, y\u0131l sonu enflasyon oran\u0131 bir \u00f6nceki anket d\u00f6nemine g\u00f6re artt\u0131r\u0131larak %16.68 olarak a\u00e7\u0131kland\u0131. Merkez Bankas\u0131 Para Politikas\u0131 Faizlerinde 6 ayl\u0131k d\u00f6nemde de\u011fi\u015fiklik beklenmedi\u011fi bildirildi. 2019\u2019da b\u00fcy\u00fcme tahminleri %0.6\u2019dan %0.3\u2019e \u00e7ekildi. 12 ay sonra dolar kuru tahmini ise en d\u00fc\u015f\u00fck 6.43 olarak bekleniyor.<\/p>\n
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Durum tahminlerdeki gibi ya\u015fan\u0131rsa Merkez Bankas\u0131 s\u0131k\u0131 duru\u015f politikas\u0131 gere\u011fince tabelada %24 ek s\u0131k\u0131la\u015ft\u0131rmalar ile %25.5 olan repo faizlerinde y\u0131l sonuna kadar indirim uygulanmayacakt\u0131r. Beklentiler d\u00f6viz kurunun yukar\u0131 y\u00f6nl\u00fc hareketine devam etmesi y\u00f6n\u00fcnde uluslararas\u0131 ticari riskler ve ABD ile S-400 gibi olas\u0131 siyasi sebeplerle gerilim ya\u015fanmas\u0131nda dolar\u0131n sert tepkiler verme riski devam ediyor. Borsa \u0130stanbul hafta i\u00e7inde son 20 y\u0131l\u0131n en k\u00f6t\u00fc performans\u0131n\u0131 g\u00f6rd\u00fc. Piyasalarda ya\u015fanan g\u00fcvensizlik, \u0130stanbul se\u00e7imlerinin halen belirsizli\u011fi, ve piyasalarda likiditeye eri\u015fim sorunu g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda bankalar\u0131n kredi faiz oranlar\u0131nda \u00f6zellikle de konut kredisi gibi uzun vadeli kredilerde faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrmesi bekleniyor. \u0130ndirim beklenmedi\u011fi gibi y\u00fckseli\u015f trendinin devam etmesi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n
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En Uygun Konut Kredisi Hesaplama<\/p>\n
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KrediPazari.com’un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalardan 100.000 TL tutarda konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde 5 y\u0131l vadeli en uygun konut kredisinin ayl\u0131k \u00f6demeleri 2.500 TL oluyor. 10 y\u0131l vadeli en uygun konut kredisi taksiti ise 1.760 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Mart ay\u0131nda uygulanan konut kredisi kampanyalar\u0131 ile k\u0131smen artan konut sat\u0131\u015flar\u0131 Nisan\u2019da konut kredisi faiz oranlar\u0131n\u0131n y\u00fckselmesi ile sert d\u00fc\u015ft\u00fc. \u0130potekli konut sat\u0131\u015flar\u0131 %61 azald\u0131. Konut sekt\u00f6r\u00fc i\u00e7in canlanma sinyalleri veren Mart ay\u0131ndan sonra sat\u0131\u015flar\u0131 Nisan ay\u0131nda sert d\u00fc\u015ft\u00fc. Kamu bankalar\u0131n\u0131n se\u00e7im \u00f6ncesinde uygulad\u0131\u011f\u0131 d\u00fc\u015f\u00fck konut kredisi faiz oranlar\u0131 Mart ay\u0131nda 2019\u2019un en iyi […]<\/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":[13517,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28397"}],"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=28397"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28397\/revisions"}],"predecessor-version":[{"id":28398,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28397\/revisions\/28398"}],"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=28397"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28397"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28397"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}