{"id":28422,"date":"2019-05-28T09:57:33","date_gmt":"2019-05-28T06:57:33","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=28422"},"modified":"2019-05-28T09:57:33","modified_gmt":"2019-05-28T06:57:33","slug":"konut-kredisi-faizlerindeki-yukselis-devam-eder-mi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=28422","title":{"rendered":"Konut Kredisi Faizlerindeki Y\u00fckseli\u015f Devam Eder mi?"},"content":{"rendered":"<p dir=\"ltr\">Bankalar\u0131n konut kredisi faiz oranlar\u0131nda son haftalarda h\u0131zla y\u00fckseli\u015f ya\u015fand\u0131. Konut kredisi faizleri y\u00fckselmeye devam eder mi?<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Bankalar\u0131n konut kredisi faiz oranlar\u0131ndaki y\u00fckseli\u015f hareketi 10 haftad\u0131r durmuyor. 2018 kur krizi sonras\u0131 rekor d\u00fczeye ula\u015fan konut kredisi faizleri 2019\u2019un ilk aylar\u0131nda k\u0131smen d\u00fc\u015f\u00fc\u015f ya\u015fad\u0131ktan sonra Mart ay\u0131n\u0131n sonundan itibaren yeniden art\u0131\u015f g\u00f6stermeye ba\u015flad\u0131. Peki konut kredisi faiz oranlar\u0131ndaki y\u00fckseli\u015f devam edecek mi?<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Konut kredisi faizleri d\u00f6viz kurundan ve piyasalardaki hareketten olduk\u00e7a h\u0131zl\u0131 etkileniyor. 31 Mart se\u00e7imlerinin hemen \u00f6ncesinde d\u00f6viz kurunda ba\u015flayan hareketlilik bankalar\u0131n <a href=\"https:\/\/kredipazari.com\/konut-kredileri.html\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/kredipazari.com\/konut-kredileri.html&amp;source=gmail&amp;ust=1559109625514000&amp;usg=AFQjCNGWl-woFqbiDqSEXfG6WWhiT-GZjA\">konut kredisi<\/a> faizlerindeki d\u00fc\u015f\u00fc\u015f ivmesini ters y\u00f6ne \u00e7evirdi. Ard\u0131ndan dalgal\u0131 seyrine devam eden dolar kuru ve kura m\u00fcdahale etmek i\u00e7in TCMB\u2019den gelen s\u0131k\u0131 para politikalar\u0131 bankalar\u0131n likiditeye ula\u015fmas\u0131n\u0131 zorla\u015ft\u0131rd\u0131. Piyasa risklerinin de artmas\u0131 ile bankalar uzun vadeli riskli kredi t\u00fcrlerinin ba\u015f\u0131nda gelen konut kredisi faiz oranlar\u0131n\u0131 bir bir artt\u0131rmaya ba\u015flad\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Merkez Bankas\u0131\u2019n\u0131n 9 May\u0131s\u2019ta haftal\u0131k repo ihalelerine ara vermesi ile para politikas\u0131 faizleri kademeli olarak %22.5\u2019e y\u00fckseldi. Repo maliyetlerinin artmas\u0131 ile s\u00f6z konusu haftada 10 \u00a0banka birden konut kredisi faizlerini artt\u0131rd\u0131. D\u00f6vizin dengelenmesinin ard\u0131ndan TCMB 21 May\u0131s\u2019ta ihalelere tekrar ba\u015flad\u0131 ve faiz oranlar\u0131ndaki y\u00fckseli\u015f yava\u015flad\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">S\u0131k\u0131la\u015ft\u0131rmalar\u0131n kald\u0131r\u0131lmas\u0131n\u0131n ard\u0131ndan dolar kuru ge\u00e7en hafta yeniden 6.15 seviyesini g\u00f6rd\u00fc. 8 haftad\u0131r \u00fcst \u00fcste art\u0131\u015f ya\u015fayan dolar kurunu dengelemek i\u00e7in TCMB\u2019den d\u00fcn kura bir hamle daha geldi. Yabanc\u0131 para mevduata\/kat\u0131l\u0131m fonlar\u0131na uygulanan zorunlu kar\u015f\u0131l\u0131k oranlar\u0131n\u0131 t\u00fcm vade dilimlerinde 200 baz puan art\u0131ran Merkez Bankas\u0131 b\u00f6ylelikle piyasadan yakla\u015f\u0131k 4,2 milyar dolar likidite \u00e7ekilmesini hedefliyor.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Dolar kurunu d\u00fc\u015f\u00fcrmesi tahmin edilen i\u015flem piyasadaki likiditeyi azaltaca\u011f\u0131 i\u00e7in bankalar\u0131n konut kredisi faiz oranlar\u0131 a\u00e7\u0131s\u0131ndan olduk\u00e7a risk te\u015fkil ediyor. \u0130lerleyen bir ka\u00e7 g\u00fcnde hamlenin kademeli olarak hissedilmesi ile konut kredisi faiz oranlar\u0131 yeniden bir y\u00fckseli\u015f ya\u015fayabilir.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Konut Kredisi Faizlerinde Son Durum<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">28 May\u0131s itibariyle bankalar\u0131n ortalama konut kredisi faiz oranlar\u0131 %2.13 d\u00fczeyinde. En d\u00fc\u015f\u00fck konut kredisi faizi de 100.000 TL\u2019 ye kadar s\u0131n\u0131rl\u0131 kullan\u0131mlarda %1.55, 100.000 TL \u00fczerinde %1.65 seviyesinde. En d\u00fc\u015f\u00fck konut kredisinin y\u0131ll\u0131k maliyet oran\u0131 %20.6 olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">En D\u00fc\u015f\u00fck Konut Kredisi Hesaplama<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">En d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 \u00fczerinden 300.000 TL tutarda 10 y\u0131l vadeli <a href=\"https:\/\/kredipazari.com\/konut-kredisi-mortgage-hesaplama.html\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/kredipazari.com\/konut-kredisi-mortgage-hesaplama.html&amp;source=gmail&amp;ust=1559109625514000&amp;usg=AFQjCNHHIykFgOlDxuVp40afOnoLU1apmQ\">konut kredisi hesaplama<\/a> ger\u00e7ekle\u015ftirildi\u011finde kredinin ayl\u0131k taksit tutarlar\u0131 yakla\u015f\u0131k 5.800 TL\u2019 ye geliyor. Kredinin faiziyle beraber toplam geri \u00f6demesi 700.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n<div class=\"signature-text\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bankalar\u0131n konut kredisi faiz oranlar\u0131nda son haftalarda h\u0131zla y\u00fckseli\u015f ya\u015fand\u0131. Konut kredisi faizleri y\u00fckselmeye devam eder mi? &nbsp; Bankalar\u0131n konut kredisi faiz oranlar\u0131ndaki y\u00fckseli\u015f hareketi 10 haftad\u0131r durmuyor. 2018 kur krizi sonras\u0131 rekor d\u00fczeye ula\u015fan konut kredisi faizleri 2019\u2019un ilk aylar\u0131nda k\u0131smen d\u00fc\u015f\u00fc\u015f ya\u015fad\u0131ktan sonra Mart ay\u0131n\u0131n sonundan itibaren yeniden art\u0131\u015f g\u00f6stermeye ba\u015flad\u0131. Peki konut [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[80,1069,277,2090],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28422"}],"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=28422"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28422\/revisions"}],"predecessor-version":[{"id":28423,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28422\/revisions\/28423"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23281"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}