{"id":28453,"date":"2019-06-11T11:11:08","date_gmt":"2019-06-11T08:11:08","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=28453"},"modified":"2019-06-11T11:11:08","modified_gmt":"2019-06-11T08:11:08","slug":"bayram-sonrasinda-konut-kredisi-faiz-oranlarinda-degisiklik-oldu-mu","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=28453","title":{"rendered":"Bayram sonras\u0131nda Konut Kredisi Faiz Oranlar\u0131nda De\u011fi\u015fiklik Oldu mu?"},"content":{"rendered":"<div>\n<div class=\"nH\">\n<div class=\"nH\">\n<div class=\"nH bkL\">\n<div class=\"no\">\n<div class=\"nH bkK nn\">\n<div class=\"nH\">\n<div class=\"nH\">\n<div class=\"nH ar4 z\">\n<div class=\"\">\n<div class=\"AO\">\n<div id=\":3\" class=\"Tm aeJ\">\n<div id=\":1\" class=\"aeF\">\n<div class=\"nH\">\n<div class=\"nH\" role=\"main\">\n<div class=\"nH g\">\n<p dir=\"ltr\">Bayram sonras\u0131nda konut kredisi faiz oranlar\u0131 de\u011fi\u015fti mi? Konut kredisi faiz oranlar\u0131 d\u00fc\u015fer mi? KrediPazari.com konut kredisinde son durumu ara\u015ft\u0131rd\u0131.<\/p>\n<p dir=\"ltr\">T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Haziran Ay\u0131 Para Politikas\u0131 Kurulu yar\u0131n toplan\u0131yor. Politika faizlerinin durumu konut kredisi faiz oranlar\u0131n\u0131n seyrini belirleyecek.<\/p>\n<p dir=\"ltr\">TCMB d\u00f6viz kurunda ya\u015fanan ani y\u00fckseli\u015f sonras\u0131nda 2018 Eyl\u00fcl ay\u0131nda Para Politikas\u0131 faiz oranlar\u0131n\u0131 %24\u2019e \u00e7\u0131kard\u0131. 9 ayl\u0131k s\u00fcre\u00e7te Merkez Bankas\u0131 politika faizlerinde de\u011fi\u015fikli\u011fe gitmedi. Bankalar\u0131n kredi kulland\u0131r\u0131m\u0131n\u0131 ve likiditeye ula\u015f\u0131m\u0131n\u0131 do\u011frudan etkileyen repo faizlerinin artmas\u0131 ile bankalar h\u0131zla konut kredisi faiz oranlar\u0131n\u0131 artt\u0131rd\u0131. Politika faizlerinin %24\u2019te tutuldu\u011fu 9 ayl\u0131k s\u00fcre\u00e7te konut kredisi faiz oranlar\u0131 ortalamas\u0131 yakla\u015f\u0131k %2 seviyesinde seyreti. Uzmanlar\u0131n g\u00f6r\u00fc\u015fleri politika faizlerinde indirim uygulanmadan konut kredisi faiz oranlar\u0131nda ciddi d\u00fc\u015f\u00fc\u015f g\u00f6remeyece\u011fi y\u00f6n\u00fcnde. Peki Merkez Bankas\u0131&#8217;n\u0131n yar\u0131n \u00a0\u00a0a\u00e7\u0131klayaca\u011f\u0131 faiz karar\u0131 ne olur?<\/p>\n<p dir=\"ltr\">Merkez Bankas\u0131 2018\u2019in yaz aylar\u0131ndan itibaren y\u00fckseli\u015fe ge\u00e7en kuru dengelemek i\u00e7in faiz artt\u0131r\u0131m\u0131na giderek s\u0131k\u0131 para politikas\u0131 uygulamaya ba\u015flad\u0131. TCMB Para Politikas\u0131 Kurulu May\u0131s ay\u0131na kadar raporlar\u0131nda s\u0131k\u0131 duru\u015fun alt\u0131n\u0131 \u00e7izerken son toplant\u0131daki a\u00e7\u0131klamas\u0131 gev\u015feme sinyali olarak yorumland\u0131. Baz\u0131 ara\u015ft\u0131rma kurumlar\u0131 ve anketler \u00a0Merkez Bankas\u0131\u2019n\u0131n yar\u0131nki toplant\u0131da faiz indirimine gitmesini tahmin ediyor.<\/p>\n<p dir=\"ltr\">TCMB\u2019nin uzun aylard\u0131r yapt\u0131\u011f\u0131 vurgu ise enflasyonda belirgin bir d\u00fc\u015f\u00fc\u015f g\u00f6r\u00fclmeden ve d\u00f6viz kuru sabit bir hal alana dek politika faizlerinde indirime gidilmeyece\u011fi y\u00f6n\u00fcndeydi. May\u0131s ay\u0131nda 12 ayl\u0131k enflasyon ortalamas\u0131 %19,91 olarak ger\u00e7ekle\u015fti. Merkez Bankas\u0131\u2019n\u0131n kur ile m\u00fccadele i\u00e7in uygulad\u0131\u011f\u0131 ek s\u0131k\u0131la\u015ft\u0131rma ve m\u00fcdahaleler ge\u00e7ti\u011fimiz ay son buldu.<\/p>\n<p dir=\"ltr\">Di\u011fer yanda d\u00fcnya genelinde merkez bankalar\u0131ndan arka arkaya faiz indirim sinyalleri geliyor. Avrupa Merkez Bankas\u0131 (ECB) Ba\u015fkan\u0131 Mario Draghi ve Amerikan Merkez Bankas\u0131 (FED) Ba\u015fkan\u0131 Powell faiz indiriminde bulanabileceklerinin sinyallerini verdi.<\/p>\n<p dir=\"ltr\">Merkez Bankas\u0131\u2019n\u0131n Haziran Para Politikas\u0131 Kurulu kar\u0131n\u0131 sabit kalma ya da indirim olasa da konut kredisi faiz oranlar\u0131n\u0131n do\u011frudan etkilenmesi bekleniyor. Uzmanlar\u0131n g\u00f6r\u00fc\u015flerine g\u00f6re politika faizlerinin sabit kalmas\u0131 ve d\u00f6viz kurunun dalgal\u0131 seyretmesi halinde konut kredisi faizleri artmaya devam edebilir. Politika faizlerinin d\u00fc\u015fmesi halinde ise repo faizlerine ba\u011fl\u0131 olarak konut kredisi faiz oranlar\u0131nda kademeli olarak d\u00fc\u015fmesi tahmin ediliyor.<\/p>\n<h2 dir=\"ltr\">Para Politikas\u0131 Karar\u0131 \u00d6ncesinde Konut Kredisi Faiz Oranlar\u0131<\/h2>\n<p dir=\"ltr\">Bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %2.13 seviyesinde. En d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 100.000 TL\u2019 ye kadar kulland\u0131r\u0131mlar i\u00e7in %1.55, \u00fczeri tutarlarda ise %1.65 olarak uygulan\u0131yor. \u00d6zel Bankalardaki en d\u00fc\u015f\u00fck konut kredisi seviyesi %1.72. En y\u00fcksek konut kredisi faiz oran\u0131 da %2.77 d\u00fczeyinde.<\/p>\n<p dir=\"ltr\">Konut Kredisi Hesaplama<\/p>\n<p dir=\"ltr\">KrediPazari.com\u2019un hesaplamalar\u0131na g\u00f6re en uygun konut kredisi faiz oran\u0131 \u00fczerinden 150.000 TL tutarda 5 y\u0131l vadeli konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde ayl\u0131k taksitler 4.000 TL oluyor. Kredinin faiziyle beraber geri \u00f6deme miktar\u0131 474.800 TL\u2019 ye denk 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<div class=\"nH bAw nn\">\n<div class=\"brC-aT5-aOt-Jw\" role=\"complementary\" aria-label=\"Yan panel\">\n<div class=\"brC-aT5-aOt-bsf-Jw\">\n<div class=\"brC-bsf-aT5-aOt\" tabindex=\"0\" role=\"tablist\">\n<div id=\"gsc-gab-6\" class=\"bse-bvF-I aT5-aOt-I bse-bvF-aLp\" role=\"tab\" data-guest-app-id=\"6\" aria-label=\"Takvim\" aria-disabled=\"false\" aria-selected=\"false\">\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-Kv\"><\/div>\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-J6\"><\/div>\n<div class=\"aT5-aOt-I-JX-Jw\"><\/div>\n<\/div>\n<div id=\"gsc-gab-2\" class=\"bse-bvF-I aT5-aOt-I bse-bvF-a9p\" role=\"tab\" data-guest-app-id=\"2\" aria-label=\"Keep\" aria-disabled=\"false\" aria-selected=\"false\">\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-Kv\"><\/div>\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-J6\"><\/div>\n<div class=\"aT5-aOt-I-JX-Jw\"><\/div>\n<\/div>\n<div id=\"gsc-gab-4\" class=\"bse-bvF-I aT5-aOt-I bse-bvF-aLp\" role=\"tab\" data-guest-app-id=\"4\" aria-label=\"G\u00f6revler\" aria-disabled=\"false\" aria-selected=\"false\">\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-Kv\"><\/div>\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-J6\"><\/div>\n<div class=\"aT5-aOt-I-JX-Jw\"><\/div>\n<\/div>\n<div id=\":lq\" class=\"brC-aT5-aOt-axR\" role=\"separator\" aria-hidden=\"false\" aria-disabled=\"true\"><\/div>\n<div id=\"p2DdMb\" class=\"bse-bvF-I aT5-aOt-I\" role=\"tab\" aria-label=\"Eklenti Y\u00fcklemenizi Sa\u011flar\" aria-selected=\"false\">\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-Kv\"><\/div>\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-J6\"><\/div>\n<div class=\"aT5-aOt-I-JX-Jw\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bayram sonras\u0131nda konut kredisi faiz oranlar\u0131 de\u011fi\u015fti mi? Konut kredisi faiz oranlar\u0131 d\u00fc\u015fer mi? KrediPazari.com konut kredisinde son durumu ara\u015ft\u0131rd\u0131. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Haziran Ay\u0131 Para Politikas\u0131 Kurulu yar\u0131n toplan\u0131yor. Politika faizlerinin durumu konut kredisi faiz oranlar\u0131n\u0131n seyrini belirleyecek. TCMB d\u00f6viz kurunda ya\u015fanan ani y\u00fckseli\u015f sonras\u0131nda 2018 Eyl\u00fcl ay\u0131nda Para Politikas\u0131 faiz oranlar\u0131n\u0131 [&hellip;]<\/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":[221],"tags":[11107,13525,13448],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28453"}],"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=28453"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28453\/revisions"}],"predecessor-version":[{"id":28454,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28453\/revisions\/28454"}],"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=28453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}