{"id":29069,"date":"2019-08-07T11:00:15","date_gmt":"2019-08-07T08:00:15","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29069"},"modified":"2019-08-07T11:00:15","modified_gmt":"2019-08-07T08:00:15","slug":"faiz-indirimi-gayrimenkul-sektorune-canlilik-getirdi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29069","title":{"rendered":"Faiz indirimi gayrimenkul sekt\u00f6r\u00fcne canl\u0131l\u0131k getirdi"},"content":{"rendered":"<p><strong>Merkez Bankas\u0131\u2019n\u0131n ge\u00e7ti\u011fimiz g\u00fcnlerde yapt\u0131\u011f\u0131 <a href=\"https:\/\/emlaktuel.com\/?s=faiz+indirimi\">faiz indirimi<\/a>, konut piyasas\u0131nda da heyecan yaratt\u0131. Gayrimenkul almak isteyenler i\u00e7in f\u0131rsat yaratan 425 baz puanl\u0131k indirimi, RE\/MAX T\u00fcrkiye ofislerindeki broker\u2019lar yorumlad\u0131.<\/strong><\/p>\n<p>Merkez Bankas\u0131\u2019n\u0131n faiz indirimi a\u00e7\u0131klamas\u0131n\u0131n ard\u0131ndan gelen kamu bankalar\u0131ndaki kredi faizlerindeki d\u00fc\u015f\u00fc\u015f, emlak d\u00fcnyas\u0131nda da hareketlenmeye neden oldu. Faiz oranlar\u0131 her bankada de\u011fi\u015fse de \u015fu an y\u00fczde 0,99\u2019lardan ba\u015flayan faizle, ev kredisi almak m\u00fcmk\u00fcn.<\/p>\n<h2><strong>Konut sat\u0131\u015f oranlar\u0131nda bir y\u00fckselme bekleniyor<\/strong><\/h2>\n<p>2018 Haziran ay\u0131nda T\u00fcrkiye\u2019de 119 bin 413 olan konut sat\u0131m\u0131, 2019\u2019un Haziran ay\u0131nda 61 bin 335\u2019e d\u00fc\u015ft\u00fc. Konut kredi kullan\u0131mda ise ge\u00e7ti\u011fimiz y\u0131la g\u00f6re y\u00fczde 84\u2019l\u00fck bir d\u00fc\u015f\u00fc\u015f oldu. Y\u00fcksek faiz oranlar\u0131 nedeniyle kimsenin ev kredisi almaya s\u0131cak bakmamas\u0131, sadece nakit paras\u0131 olanlar\u0131n ev almas\u0131yla d\u00fc\u015fen sat\u0131\u015flar\u0131 canland\u0131rmak i\u00e7in gelen indirimden herkes umutlu.<\/p>\n<p>Uzman broker\u2019lar kredi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesiyle ev fiyatlar\u0131nda genel olarak bir y\u00fckselme beklemiyorlar. Piyasadaki sakinlik y\u00fcz\u00fcnden uzun s\u00fcredir art\u0131\u015fta olan ev stoklar\u0131n\u0131n da indirimle birlikte azalmas\u0131, dolay\u0131s\u0131yla uzun vadede in\u015faat sekt\u00f6r\u00fcnde de hareketlenme olmas\u0131 bekleniyor. Mevcut mevduat faizlerinin y\u00fczde 19,5 seviyesinde olmas\u0131 da ev fiyatlar\u0131n\u0131n artmas\u0131n\u0131 engelleyecek nedenlerden.<\/p>\n<h2><strong>Art\u0131k \u00f6demeler daha da kolayla\u015facak<\/strong><\/h2>\n<p>Faiz indiriminin getirdi\u011fi \u00f6deme rahatl\u0131\u011f\u0131 rakamlar \u00fczerinden \u015f\u00f6yle tarif edilebilir: Y\u00fczde 1,5\u2019lik faiz rakamlar\u0131yla 500 bin TL\u2019lik bir evi 120 taksitle al\u0131nd\u0131\u011f\u0131nda ayl\u0131k \u00f6denecek tutar 9 bin TL, geri \u00f6denecek toplam para da 1 milyon 81 bin 111 TL oluyor. Ayn\u0131 evi, ayn\u0131 taksit say\u0131s\u0131yla y\u00fczde 0,99 kredi faiziyle al\u0131nca, ayl\u0131k geri \u00f6denecek rakam 7 bin 138 TL, toplamda geri \u00f6denecek de 856 bin 668 TL oluyor. Yani toplamda \u00f6denen tutarda 225 bin TL\u2019ye, ayl\u0131k \u00f6denende de 1.900 TL\u2019ye yak\u0131n fark oluyor.<\/p>\n<h2><strong>Yat\u0131r\u0131m i\u00e7in tam f\u0131rsat zaman\u0131<\/strong><\/h2>\n<p>Gayrimenkul uzmanlar\u0131na g\u00f6re bu indirim yat\u0131r\u0131m yapmak i\u00e7in de g\u00fczel bir f\u0131rsat. Hem uzun hem de k\u0131sa vadede her zaman kazand\u0131ran yat\u0131r\u0131m olarak g\u00f6r\u00fclen gayrimenkul\u00fc, d\u00fc\u015f\u00fck faiz oran\u0131yla taksitlendirerek almak i\u00e7in m\u00fckemmel zaman olarak g\u00f6r\u00fcl\u00fcyor. Ev stoklar\u0131 eriyene kadar sat\u0131\u015f rakamlar\u0131n\u0131n sabit kalaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnen uzmanlar, f\u0131rsat\u0131n bir an \u00f6nce de\u011ferlendirilmesini \u00f6neriyor.<\/p>\n<div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131\u2019n\u0131n ge\u00e7ti\u011fimiz g\u00fcnlerde yapt\u0131\u011f\u0131 faiz indirimi, konut piyasas\u0131nda da heyecan yaratt\u0131. Gayrimenkul almak isteyenler i\u00e7in f\u0131rsat yaratan 425 baz puanl\u0131k indirimi, RE\/MAX T\u00fcrkiye ofislerindeki broker\u2019lar yorumlad\u0131. Merkez Bankas\u0131\u2019n\u0131n faiz indirimi a\u00e7\u0131klamas\u0131n\u0131n ard\u0131ndan gelen kamu bankalar\u0131ndaki kredi faizlerindeki d\u00fc\u015f\u00fc\u015f, emlak d\u00fcnyas\u0131nda da hareketlenmeye neden oldu. Faiz oranlar\u0131 her bankada de\u011fi\u015fse de \u015fu an y\u00fczde 0,99\u2019lardan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29070,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[1729,2227,8871],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29069"}],"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=29069"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29069\/revisions"}],"predecessor-version":[{"id":29071,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29069\/revisions\/29071"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29070"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29069"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29069"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29069"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}