{"id":28617,"date":"2019-07-02T09:13:27","date_gmt":"2019-07-02T06:13:27","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=28617"},"modified":"2019-07-02T09:13:27","modified_gmt":"2019-07-02T06:13:27","slug":"piyasalardaki-hareketlenme-konut-kredisi-faizlerini-etkiler-mi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=28617","title":{"rendered":"Piyasalardaki Hareketlenme Konut Kredisi Faizlerini Etkiler mi?"},"content":{"rendered":"<p dir=\"ltr\">Hafta sonu ger\u00e7ekle\u015fen G-20 zirvesindeki olumlu mesajlar sonras\u0131 TL ve piyasalarda olumlu bir hareketlilik ba\u015flatt\u0131. Piyasalardaki olumlu hava konut kredisi faiz oranlar\u0131n\u0131 etkiler mi?<\/p>\n<p dir=\"ltr\">G-20 zirvesinde ABD Ba\u015fkan\u0131 Trump ve Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n S-400 konusundaki g\u00f6r\u00fc\u015fmeleri yapt\u0131r\u0131m riskini azaltt\u0131 ve TL varl\u0131klar haftaya y\u00fckseli\u015fle ba\u015flad\u0131. D\u00fcn g\u00fcn i\u00e7inde BIST 100 %4\u2019e yak\u0131n de\u011fer kazanarak 100.000 puan s\u0131n\u0131r\u0131n\u0131 zorlad\u0131. Dolar kuru ise G-20 zirvesi sonras\u0131nda 5,77\u2019den 5,63\u2019e, Euro ise 6.39\u2019a kadar geriledi. Temmuz ay\u0131n\u0131n ilk i\u015flem g\u00fcn\u00fcnde Trump &#8211; Erdo\u011fan g\u00f6r\u00fc\u015fmesi sonras\u0131 en \u00e7ok de\u011fer kazanan geli\u015fen \u00fclke paras\u0131 T\u00fcrk Liras\u0131 oldu.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Piyasalarda ya\u015fanan olumlu havan\u0131n haricinde d\u00fcn \u0130stanbul Ticaret Odas\u0131 (\u0130TO) taraf\u0131ndan a\u00e7\u0131klanan \u0130stanbul enflasyon oranlar\u0131nda Haziran ay\u0131nda May\u0131s\u2019a oranla perakende fiyatlarda %0,98 ve toptan fiyatlar ise %2,09 d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Veriler \u00c7ar\u015famba g\u00fcn\u00fc a\u00e7\u0131klanacak Haziran ay\u0131 Enflasyon oranlar\u0131nda ciddi d\u00fc\u015f\u00fc\u015f beklentisi yaratt\u0131.<\/p>\n<p dir=\"ltr\">Ekonomistler piyasalar ya\u015fanan olumlu y\u00f6nde hareketlilik, kur d\u00fc\u015f\u00fc\u015f\u00fc ve enflasyonda beklenen olas\u0131 belirgin d\u00fc\u015f\u00fc\u015f ile TCMB\u2019nin Temmuz ay\u0131nda para politikas\u0131 faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrebilece\u011fi y\u00f6n\u00fcnde. Ge\u00e7ti\u011fimiz g\u00fcnlerde Cumhurba\u015fkan\u0131 Erdo\u011fan yakla\u015f\u0131k 10 ayd\u0131r %24 seviyesinde yer alan haftal\u0131k repo faiz oranlar\u0131n\u0131n kabul edilemez d\u00fczeyde y\u00fcksek oldu\u011funu ve d\u00fc\u015f\u00fcr\u00fclmesi gerekti\u011fi \u00e7a\u011fr\u0131s\u0131nda bulunmu\u015ftu.<\/p>\n<p dir=\"ltr\">Piyasalarda ya\u015fanan olumlu havan\u0131n devam etmesi ve beklenti y\u00f6n\u00fcnde Merkez Bankas\u0131\u2019n\u0131n para politikas\u0131 faiz oranlar\u0131n\u0131 indirmesi halinde konut kredisi faiz oranlar\u0131nda yakla\u015f\u0131k iki haftad\u0131r devam eden d\u00fc\u015f\u00fc\u015f\u00fcn \u00e7ok daha h\u0131zlanabilece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n<p dir=\"ltr\">Kamu bankalar\u0131n\u0131n ba\u015flatt\u0131\u011f\u0131 ve \u00f6zel bankalar\u0131n destek verdi\u011fi Enflasyon Endeksli Konut Kredisi kampanyas\u0131 i\u00e7in de Temmuz ay\u0131nda d\u00fc\u015f\u00fc\u015f bekleniyor. TCMB\u2019nin 3 Temmuz \u00c7ar\u015famba g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 enflasyon oranlar\u0131 sonras\u0131nda T\u00fcketici Fiyat Endeksi (T\u00dcFE) \u00fczerine %0.19\u2019luk banka marj\u0131n\u0131n eklenmesiyle hesaplanan ilgili konut kredisi faiz oranlar\u0131n\u0131n enflasyona ba\u011fl\u0131 olarak gerilemesi bekleniyor.<\/p>\n<p dir=\"ltr\">Enflasyon Endeksli Konut Kredisi Ne Kadar D\u00fc\u015fer?<\/p>\n<p dir=\"ltr\">G\u00fcncel olarak May\u0131s ay\u0131 T\u00dcFE oranlar\u0131na ba\u011fl\u0131 olarak hesaplanan Enflasyon endeksli konut kredisi faiz oran\u0131 %1.75 d\u00fczeyinde uygulan\u0131yor. Haziran ay\u0131 T\u00dcFE oran\u0131n\u0131n %16 olmas\u0131 halinde s\u00f6z konusu kredinin faiz oran\u0131 %1.52\u2019ye d\u00fc\u015f\u00fcyor. Mevcut olarak en uygun konut kredisi faiz oran\u0131 %1.55 olarak uygulan\u0131yor. Enflasyon Endeksli Konut Kredisi\u2019nin Temmuz ay\u0131nda ne kadar olaca\u011f\u0131 merak ediliyor.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Konut Kredisi Hesaplama<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 \u00fczerinden 100.000 TL tutarda konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde kredinin 5 y\u0131l vadede ayl\u0131k taksit miktar\u0131 2.500 TL oluyor. Ayn\u0131 ko\u015fullarda 10 y\u0131l vadeli konut kredisinin ayl\u0131k \u00f6demeleri ise 1.800 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n<div class=\"signature-text\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Hafta sonu ger\u00e7ekle\u015fen G-20 zirvesindeki olumlu mesajlar sonras\u0131 TL ve piyasalarda olumlu bir hareketlilik ba\u015flatt\u0131. Piyasalardaki olumlu hava konut kredisi faiz oranlar\u0131n\u0131 etkiler mi? G-20 zirvesinde ABD Ba\u015fkan\u0131 Trump ve Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n S-400 konusundaki g\u00f6r\u00fc\u015fmeleri yapt\u0131r\u0131m riskini azaltt\u0131 ve TL varl\u0131klar haftaya y\u00fckseli\u015fle ba\u015flad\u0131. D\u00fcn g\u00fcn i\u00e7inde BIST 100 %4\u2019e yak\u0131n de\u011fer kazanarak 100.000 puan [&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":[953,13294,13551],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28617"}],"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=28617"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28617\/revisions"}],"predecessor-version":[{"id":28618,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28617\/revisions\/28618"}],"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=28617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}