Kamu bankalar\u0131n\u0131n konut kredisi vade s\u00fcrelerini artt\u0131rmas\u0131 ile 15 y\u0131l vadeye kadar konut kredisi kulland\u0131ran banka say\u0131s\u0131 yediye y\u00fckseldi. Peki 15 y\u0131l vadeli konut kredisi kullanmak ne kadar karl\u0131?<\/p>\n
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Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank A\u011fustos ba\u015f\u0131ndan itibaren konut kredisi faiz oranlar\u0131nda indirim uygulayarak vade s\u00fcrelerini 15 y\u0131la kadar uzatt\u0131. Kamu bankalar\u0131n\u0131n vadelerinin artmas\u0131 ile g\u00fcndeme oturan 15 y\u0131l vadeli konut kredisinin avantajlar\u0131 ve dezavantajlar\u0131 neler KrediPazari.com ara\u015ft\u0131rd\u0131.<\/p>\n
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Bankalar rekabet ve riskler kar\u015f\u0131s\u0131nda farkl\u0131 politikalar uyguluyor. Bankalardan baz\u0131lar\u0131 vade s\u00fcresi k\u0131sald\u0131k\u00e7a daha y\u00fcksek faiz oran\u0131 kulland\u0131r\u0131rken baz\u0131 bankalar da vade uzad\u0131k\u00e7a daha y\u00fcksek faiz oranlar\u0131 sunuyor.\u00a0 Bu nedenle bankalar\u0131n 15 y\u0131l vade i\u00e7in uygulad\u0131\u011f\u0131 faiz oranlar\u0131 listesi 10 y\u0131l ve 5 y\u0131l vadeli listeye g\u00f6re epey farkl\u0131l\u0131k g\u00f6steriyor.<\/p>\n
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T\u00fcketicinin b\u00fcy\u00fck \u00e7o\u011funlu\u011fu ihtiya\u00e7lar\u0131n\u0131 daha k\u0131sa vadelerle tercih ederek daha az faiz \u00f6demek istiyor. Konut kredilerinde vade say\u0131s\u0131 artt\u0131k\u00e7a ayl\u0131k \u00f6deme miktar\u0131 d\u00fc\u015f\u00fc\u015f g\u00f6sterse de artan her vade i\u00e7in faize ba\u011fl\u0131 olarak kredinin toplam geri \u00f6deme miktar\u0131 da art\u0131yor. Durum b\u00f6yle olunca konut kredisi kullanmak isteyen vatanda\u015f\u0131n, en uygun konut kredisi hesaplama y\u00f6ntemlerini kullanarak kendi b\u00fct\u00e7esi ve ayl\u0131k ger\u00e7ekle\u015ftirebilece\u011fi \u00f6deme miktar\u0131 \u0131\u015f\u0131\u011f\u0131nda karar vermesi gerekiyor.<\/p>\n
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G\u00fcncel olarak DenizBank, QNB Finansbank, Garanti Bankas\u0131, TEB, Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank 15 y\u0131l vadeye kadar konut kredisi kulland\u0131r\u0131yor.<\/p>\n
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\u00d6rnek Konut Kredisi Hesaplama<\/p>\n
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\u00d6rnek konut kredisi hesaplama yaparak ayl\u0131k \u00f6denecek tutarlara ve toplam \u00f6deme tutar\u0131na bakt\u0131\u011f\u0131m\u0131zda 300.000 TL\u2019lik konut kredisi i\u00e7in en uygun kampanyal\u0131 konut kredisi faiz oran\u0131 olan %0.99 \u00fczerinden konut kredisi hesaplama yap\u0131l\u0131\u011f\u0131nda 10 y\u0131l vadeli ayl\u0131k \u00f6demeler 4.280 TL, geri \u00f6demesi ise 514.000 TL oluyor.<\/p>\n
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Ayn\u0131 tutar \u00fczerinden 15 y\u0131l vadeli konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda ise kredinin ayl\u0131k taksitleri 3.580 TL, toplam geri \u00f6demesi ise 644.000 TL oluyor.<\/p>\n
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T\u00fcketici 300.000 TL\u2019lik konut kredisi i\u00e7in 10 y\u0131l vade yerine 15 y\u0131l vadeli kredi kullanmas\u0131 durumunda ayl\u0131k 700 TL daha az \u00f6deme yapmas\u0131na ra\u011fmen vade sonunda toplam 130.000 TL fazladan faiz \u00f6demesi yap\u0131yor.<\/p>\n
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Konut kredisi vadesinde se\u00e7im yaparken t\u00fcketicinin faiz \u00f6demesinin yan\u0131nda ayl\u0131k ger\u00e7ekle\u015ftirebilece\u011fi azami \u00f6demeleri g\u00f6z \u00f6n\u00fcnde bulundurarak karar vermesi gerekiyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Kamu bankalar\u0131n\u0131n konut kredisi vade s\u00fcrelerini artt\u0131rmas\u0131 ile 15 y\u0131l vadeye kadar konut kredisi kulland\u0131ran banka say\u0131s\u0131 yediye y\u00fckseldi. Peki 15 y\u0131l vadeli konut kredisi kullanmak ne kadar karl\u0131? Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank A\u011fustos ba\u015f\u0131ndan itibaren konut kredisi faiz oranlar\u0131nda indirim uygulayarak vade s\u00fcrelerini 15 y\u0131la kadar uzatt\u0131. Kamu bankalar\u0131n\u0131n vadelerinin artmas\u0131 ile […]<\/p>\n","protected":false},"author":1,"featured_media":29019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29112"}],"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=29112"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29112\/revisions"}],"predecessor-version":[{"id":29113,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29112\/revisions\/29113"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29019"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29112"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29112"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}