{"id":29011,"date":"2019-08-04T14:36:44","date_gmt":"2019-08-04T11:36:44","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29011"},"modified":"2019-08-04T14:36:44","modified_gmt":"2019-08-04T11:36:44","slug":"konut-kredisi-faizleri-yuzde-1in-altina-dustu","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29011","title":{"rendered":"Konut kredisi faizleri y\u00fczde 1’in alt\u0131na d\u00fc\u015ft\u00fc"},"content":{"rendered":"

Merkez Bankas\u0131\u2019n\u0131n\u00a025 temmuz 2019’da a\u00e7\u0131klad\u0131\u011f\u0131 politika faizinde 425 baz puan indirimi sonras\u0131nda bu hafta i\u00e7erisinde ilk olarak\u00a0kamu bankalar\u0131ndan Ziraat Bankas\u0131’n\u0131n faiz indirimi sonras ilk ad\u0131mlar at\u0131ld\u0131 ve sonras\u0131nda 2 kamu bankas\u0131 ve birde kat\u0131l\u0131m bankas\u0131 faiz inidrdi\u011fini a\u00e7\u0131klad\u0131. Kamu bankalar\u0131n\u0131n yapt\u0131\u011f\u0131 bu indirimlere bu haftadan itibaren de \u00f6zel bankalar\u0131nda kat\u0131l\u0131mlar\u0131 bekleniyor.<\/p>\n

Son g\u00fcnlerde konut kredisi faizlerinde ya\u015fanan geli\u015fmeler<\/strong><\/h2>\n

Merkez Bankas\u0131 faiz indirimi sonras\u0131nda 1 A\u011fustos 2019 per\u015fembe g\u00fcn\u00fc kamu bankalar\u0131ndan ilk \u00f6nce Ziraat Bankas\u0131 hemen ayn\u0131 g\u00fcn i\u00e7erisinde de Vak\u0131fbank, yeni konut al\u0131mlar\u0131nda ge\u00e7erli olmak \u00fczere 180 aya varan vadede, 500 bin liraya kadar olan konut kredi kullan\u0131mlar\u0131 i\u00e7in kredi ayl\u0131k faiz oran\u0131n\u0131 y\u00fczde 0.99, 500.001 ile 1.000.000 lira civar\u0131nda olan kredi kullan\u0131mlar\u0131nda ise ayl\u0131k faiz oranlar\u0131n\u0131 ayl\u0131k 1.19 ve 1 milyon lira konut kredisi \u00fczerindeki kullan\u0131mlar i\u00e7in ise 1.39’a indirdiklerini a\u00e7\u0131klad\u0131.<\/p>\n

Bir g\u00fcn sonra 2 A\u011fustos 2019 cuma g\u00fcn\u00fcde kamu bankalar\u0131ndan Halkbank a\u00e7\u0131klama yaparak konut kredisi faiz oranlar\u0131n\u0131 di\u011fer iki kamu bankas\u0131n\u0131n uygulad\u0131\u011f\u0131 ayn\u0131 \u015fartlar\u0131n ayn\u0131s\u0131n\u0131 uygulayaca\u011f\u0131n\u0131 konut kredi faizlerinde indirime gittiklerini duyurdu.<\/p>\n

3 A\u011fustos 2019 cumartesi g\u00fcn\u00fc ise kat\u0131l\u0131m bankalar\u0131ndan Ziraat Kat\u0131l\u0131m Bankas\u0131 da bu geli\u015fmeler sonras konut kredisi faizlerinde 5 A\u011fustos 2019 pazartesi g\u00fcn\u00fc itibari ile indirime gidece\u011fini duyurdu. Ziraat Kat\u0131l\u0131m Bankas\u0131\u2019n\u0131n di\u011fer bankalardan ayr\u0131 olarak kullan\u0131lacak kredi limitlerinde bir de\u011fi\u015fiklik \u015fu \u015fekilde olacak banka finansman oran\u0131n\u0131 250 bin lira kredi kullan\u0131mlar\u0131nda ayl\u0131k 0.99 olarak a\u00e7\u0131klarken 250.001 ile 500.000 aras\u0131 kredi kullan\u0131mlar\u0131nda 1.19, 500.001 ile 1 milyon lira aras\u0131nda ayl\u0131k y\u00fczde 1.19 ve 1 milyon lira \u00fczeri kullan\u0131mlarda ayl\u0131k 1.29 olarak uygulayacak.<\/p>\n

Bankalar\u0131n \u00f6rnek 100 bin liral\u0131k konut kredisinde \u00f6deme tablosu:<\/strong><\/h2>\n

180 ay (15 y\u0131l) vadeli olacak \u015fekilde 100.000 TL konut kredisi alan birisi kredi masraflar\u0131 dahil olmak \u00fczere \u00f6deme tablosu \u015fu \u015fekilde olacak:<\/p>\n

1- Ziraat Bankas\u0131<\/strong>; 180 ay vadede ayl\u0131k faiz oran\u0131 %0.99, ayl\u0131k \u00f6denecek taksit tutar\u0131 1.192 TL, geri \u00f6denecek toplam miktar 216.046 TL.<\/p>\n

2- Halkbank<\/strong>: 180 ay vadede ayl\u0131k faiz oran\u0131 %0.99, ayl\u0131k \u00f6denecek taksit tutar\u0131 1.192 TL, geri \u00f6denecek toplam miktar 216.099 TL.<\/p>\n

3- Vak\u0131fbank<\/strong>: 180 ay vadede ayl\u0131k faiz oran\u0131 %0.99, ayl\u0131k \u00f6denecek taksit tutar\u0131 1.192 TL, geri \u00f6denecek toplam mebla 216.447 TL.<\/p>\n

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

Merkez Bankas\u0131\u2019n\u0131n\u00a025 temmuz 2019’da a\u00e7\u0131klad\u0131\u011f\u0131 politika faizinde 425 baz puan indirimi sonras\u0131nda bu hafta i\u00e7erisinde ilk olarak\u00a0kamu bankalar\u0131ndan Ziraat Bankas\u0131’n\u0131n faiz indirimi sonras ilk ad\u0131mlar at\u0131ld\u0131 ve sonras\u0131nda 2 kamu bankas\u0131 ve birde kat\u0131l\u0131m bankas\u0131 faiz inidrdi\u011fini a\u00e7\u0131klad\u0131. Kamu bankalar\u0131n\u0131n yapt\u0131\u011f\u0131 bu indirimlere bu haftadan itibaren de \u00f6zel bankalar\u0131nda kat\u0131l\u0131mlar\u0131 bekleniyor. Son g\u00fcnlerde konut kredisi […]<\/p>\n","protected":false},"author":1,"featured_media":29012,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[13663,2839,6613],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29011"}],"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=29011"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29011\/revisions"}],"predecessor-version":[{"id":29013,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29011\/revisions\/29013"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29012"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29011"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29011"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}