T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Temmuz ay\u0131 Para Politikas\u0131 Kurulu karar\u0131 bug\u00fcn a\u00e7\u0131klanacak. Merkez Bankas\u0131\u2019ndan beklenti faiz indirimi ger\u00e7ekle\u015ftirmesi y\u00f6n\u00fcnde. Faiz indirimi konut kredisi faizlerindeki d\u00fc\u015f\u00fc\u015f\u00fc h\u0131zland\u0131r\u0131r m\u0131?<\/p>\n
Merkez Bankas\u0131n\u0131n 2018 Eyl\u00fcl toplant\u0131s\u0131nda kur krizinin etkisiyle faizlerini 625 baz puan artt\u0131rarak 24 seviyesine \u00e7\u0131kard\u0131. TCMB Para Politikas\u0131 Faizleri yakla\u015f\u0131k 10 ayd\u0131r de\u011fi\u015fmeyerek 24 seviyesinde sabit kald\u0131.<\/p>\n
Cumhurba\u015fkan\u0131 Erdo\u011fan’\u0131n TCMB\u2019na faiz indirim \u00e7a\u011fr\u0131lar\u0131 ve ba\u015fkan Murat \u00c7etinkaya\u2019n\u0131n g\u00f6revden al\u0131narak yerine Murat Uysal\u2019\u0131n gelmesi faiz indirim ihtimallerini artt\u0131rd\u0131<\/p>\n
Enflasyonda d\u00fc\u015f\u00fc\u015flerin ya\u015fanmas\u0131 ve ilerleyen aylarda daha sert d\u00fc\u015f\u00fc\u015flerin beklenmesi ile TCMB\u2019nin 10 ayd\u0131r de\u011fi\u015fmeyen faizlerinin bu ay d\u00fc\u015fmesi bekleniyor. Finans kurulu\u015flar\u0131 son geli\u015fmeler \u0131\u015f\u0131\u011f\u0131nda Temmuz Para Politikas\u0131 Kurulu\u2019nda faiz indirimine kesin g\u00f6z\u00fcyle bak\u0131l\u0131rken finans kurulu\u015flar\u0131 tahminlerini a\u00e7\u0131klad\u0131. Ara\u015ft\u0131rma ve kredi kurulu\u015flar\u0131n\u0131n tahminleri bug\u00fcn a\u00e7\u0131klanacak Para Politikas\u0131 Faizleri\u2019nin ortalama 400 puan inmesi \u015feklinde.<\/p>\n
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2018 Eyl\u00fcl ay\u0131nda politika faizlerinin y\u00fckselmesi ile h\u0131zla artan konut kredisi faiz oranlar\u0131n\u0131n faiz indirimi ile tekrar h\u0131zla d\u00fc\u015fmesi bekleniyor. Haftal\u0131k repo faizlerinin d\u00fc\u015fmesi ile bankalar\u0131n likidite masraflar\u0131n\u0131n azalmas\u0131 ve olu\u015fan olumlu hava ile indirimlerin h\u0131zlanmas\u0131 bekleniyor.<\/p>\n
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25 Temmuz itibariyle bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %1.90\u2019a kadar geriledi. Enflasyon oranlar\u0131nda ya\u015fanan d\u00fc\u015f\u00fc\u015f ivmesi ve sakin ilerleyen kur kredi faizlerindeki d\u00fc\u015f\u00fc\u015f\u00fc destekledi. Yakla\u015f\u0131k 6 ayd\u0131r d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde ilerleyen konut kredisi faizlerinde karar sonras\u0131 indirimlerin h\u0131zlanmas\u0131 bekleniyor.<\/p>\n
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Kurul \u00d6ncesinde Konut Kredisi Faizleri<\/p>\n
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Para Politikas\u0131 Kurulu \u00f6ncesinde bankalar\u0131n konut kredisi faiz oranlar\u0131 en d\u00fc\u015f\u00fck %1.49 seviyesinde seyrediyor. Kampanyal\u0131 konut kredileri dahilinde ise bankalar\u0131n faizleri %0.98 seviyesine kadar d\u00fc\u015f\u00fc\u015f g\u00f6sterebiliyor. Enflasyon Endeksli Konut Kredisi faizleri Temmuz ay\u0131nda %1.5 d\u00fczeyinde.<\/p>\n
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Konut Kredisi Hesaplama<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 25 Temmuz itibariyle en d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 \u00fczerinden 100.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin 5 y\u0131l vadede ayl\u0131k taksitleri yakla\u015f\u0131k 2.500 TL, 10 y\u0131l vadede ise 1.8000 TL oluyor. 5 y\u0131l vadeli kredinin faiz dahil toplam geri \u00f6demesi 152.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Temmuz ay\u0131 Para Politikas\u0131 Kurulu karar\u0131 bug\u00fcn a\u00e7\u0131klanacak. Merkez Bankas\u0131\u2019ndan beklenti faiz indirimi ger\u00e7ekle\u015ftirmesi y\u00f6n\u00fcnde. Faiz indirimi konut kredisi faizlerindeki d\u00fc\u015f\u00fc\u015f\u00fc h\u0131zland\u0131r\u0131r m\u0131? Merkez Bankas\u0131n\u0131n 2018 Eyl\u00fcl toplant\u0131s\u0131nda kur krizinin etkisiyle faizlerini 625 baz puan artt\u0131rarak 24 seviyesine \u00e7\u0131kard\u0131. TCMB Para Politikas\u0131 Faizleri yakla\u015f\u0131k 10 ayd\u0131r de\u011fi\u015fmeyerek 24 seviyesinde sabit […]<\/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":[277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28882"}],"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=28882"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28882\/revisions"}],"predecessor-version":[{"id":28893,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28882\/revisions\/28893"}],"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=28882"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28882"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28882"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}