{"id":28922,"date":"2019-08-01T11:43:42","date_gmt":"2019-08-01T08:43:42","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=28922"},"modified":"2019-08-01T11:43:42","modified_gmt":"2019-08-01T08:43:42","slug":"agustos-ilk-haftasinda-konut-kredisi-faiz-oranlari-ne-oldu","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=28922","title":{"rendered":"A\u011fustos \u0130lk Haftas\u0131nda Konut Kredisi Faiz Oranlar\u0131 Ne Oldu ?\u00a0"},"content":{"rendered":"

H\u0131zla d\u00fc\u015fmeye devam eden konut kredisi faiz oranlar\u0131nda indirimlerin A\u011fustos ay\u0131nda artarak devam etmesi bekleniyor. A\u011fustos ba\u015f\u0131nda konut kredisi faiz oranlar\u0131nda son durum nedir?<\/p>\n

 <\/p>\n

2018\u2019in ikinci yar\u0131s\u0131ndan sonra h\u0131zla y\u00fckselerek %3\u2019e kadar ula\u015fan konut kredisi faiz oranlar\u0131 2019 Haziran ay\u0131 sonras\u0131nda sekiz haftad\u0131r d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde hareket ediyor. Temmuz\u2019da 10 ay sonra son 4.5 y\u0131l\u0131n en b\u00fcy\u00fck d\u00fc\u015f\u00fc\u015f\u00fcn\u00fc g\u00f6steren T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) para politikas\u0131 faiz oranlar\u0131 indirimi sonras\u0131ndan kredi faiz indirimleri h\u0131z kazand\u0131.<\/p>\n

 <\/p>\n

Amerikan Merkez Bankas\u0131 (Fed) ve Avrupa Merkez Bankas\u0131\u2019n\u0131n (ECB) faiz indirimleri ve indirim sinyalleri sonras\u0131nda Temmuz\u2019da en iyi performans\u0131 g\u00f6steren geli\u015fen \u00fclke paras\u0131 olan T\u00fcrk Liras\u0131 bug\u00fcn piyasa a\u00e7\u0131l\u0131\u015f\u0131nda dolar kar\u015f\u0131s\u0131nda 5.56, euro kar\u015f\u0131s\u0131nda ise 6.15 ula\u015ft\u0131.<\/p>\n

 <\/p>\n

Merkez Bankas\u0131\u2019n\u0131n 425 puanl\u0131k faiz indirimi sonras\u0131nda kredi maliyetleri d\u00fc\u015fen bankalar konut kredisi faiz indirimlerini artt\u0131r\u0131rken d\u00fcnya genelinde merkez bankalar\u0131n\u0131n gev\u015feme politikas\u0131 g\u00f6sterisi ile euro ve dolar kurunda da ya\u015fanan d\u00fc\u015f\u00fc\u015f bankalar\u0131n kredi kulland\u0131r\u0131m i\u015ftah\u0131n\u0131 yeniden artt\u0131rmaya ba\u015flad\u0131.<\/p>\n

 <\/p>\n

D\u00fcn TCMB, Enflasyon Raporu 2019-III Bilgilendirme Toplant\u0131s\u0131\u2019nda y\u0131l sonu enflasyon beklentisini 14,6’dan %13,9’a \u00e7ektiklerini a\u00e7\u0131klad\u0131. Geli\u015fmeler kredi faiz oranlar\u0131nda indirim ihtimallerini g\u00fc\u00e7lendirici y\u00f6nde seyrediyor. Enflasyon beklentisi do\u011frultusunda y\u0131l sonunda Enflasyon Endeksli Konut Kredisi faizleri %1.34\u2019e d\u00fc\u015f\u00fcyor.<\/p>\n

 <\/p>\n

Konut Kredisi Faizlerinde Son Durum<\/p>\n

 <\/p>\n

KrediPazari.com’un ara\u015ft\u0131rmalar\u0131na g\u00f6re 1 A\u011fustos itibariyle bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131 %1.85 oldu. S\u00f6z konusu oran Temmuz ba\u015f\u0131nda %2.05 seviyesindeydi. Son bir ayda ger\u00e7ekle\u015fen 20 puanl\u0131k ortalama faiz indiriminin A\u011fustos ay\u0131nda geli\u015fmeler kar\u015f\u0131s\u0131nda h\u0131zlanmas\u0131 bekleniyor.<\/p>\n

 <\/p>\n

G\u00fcncel olarak en d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 %1.47 seviyesinde Kuveyt T\u00fcrk Bankas\u0131 uyguluyor. Sigortal\u0131 konut kredisi kapsam\u0131nda \u0130NG %1.48 konut kredisi faiz oran\u0131 uygularken, Akbank, Vak\u0131fbank Sar\u0131 Panjur Konut Kredisi, ICBC Yeni Evim Konut Kredisi \u00fcr\u00fcnleri dahilinde %1.49 faiz oran\u0131 sunuyor.<\/p>\n

 <\/p>\n

Ge\u00e7ti\u011fimiz hafta ger\u00e7ekle\u015fen politika faiz indirimi sonras\u0131nda \u00f6zel bankalar\u0131n b\u00fcy\u00fck \u00e7o\u011funlu\u011funun faiz indirimi yapmas\u0131na ra\u011fmen faiz oranlar\u0131n\u0131 g\u00fcncellemeyen kamu bankalar\u0131n\u0131n Hazine ve Maliye Bakan\u0131 Berat Albayrak\u2019\u0131n a\u00e7\u0131klamas\u0131na g\u00f6re \u00f6n\u00fcm\u00fczdeki hafta konut kredisi faizlerini d\u00fc\u015f\u00fcrmesi bekleniyor.<\/p>\n

 <\/p>\n

En Uygun Konut Kredisi Hesaplama<\/p>\n

 <\/p>\n

En uygun konut kredisi faiz oranlar\u0131 \u00fczerinden 150.000 TL tutarda konut kredisi hesaplama yap\u0131l\u0131\u011f\u0131nda kredinin 5 y\u0131l vadeli ayl\u0131k taksitleri 3.780 TL, 10 y\u0131l vadeli taksitleri 2.670 TL oluyor. Kredilerin masraflar hari\u00e7 toplam geri \u00f6demeleri 5 y\u0131l vade i\u00e7in 226.000 TL\u2019 ye, 10 y\u0131l vade i\u00e7in de 320.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

H\u0131zla d\u00fc\u015fmeye devam eden konut kredisi faiz oranlar\u0131nda indirimlerin A\u011fustos ay\u0131nda artarak devam etmesi bekleniyor. A\u011fustos ba\u015f\u0131nda konut kredisi faiz oranlar\u0131nda son durum nedir?   2018\u2019in ikinci yar\u0131s\u0131ndan sonra h\u0131zla y\u00fckselerek %3\u2019e kadar ula\u015fan konut kredisi faiz oranlar\u0131 2019 Haziran ay\u0131 sonras\u0131nda sekiz haftad\u0131r d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde hareket ediyor. Temmuz\u2019da 10 ay sonra son 4.5 y\u0131l\u0131n […]<\/p>\n","protected":false},"author":1,"featured_media":23935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[80,951,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28922"}],"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=28922"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28922\/revisions"}],"predecessor-version":[{"id":28923,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/28922\/revisions\/28923"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23935"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}