{"id":29228,"date":"2019-09-10T17:03:54","date_gmt":"2019-09-10T14:03:54","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29228"},"modified":"2019-09-10T17:03:54","modified_gmt":"2019-09-10T14:03:54","slug":"konut-kredisi-faiz-oranlari-icin-gozler-merkez-bankasinda","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29228","title":{"rendered":"Konut Kredisi Faiz Oranlar\u0131 i\u00e7in G\u00f6zler Merkez Bankas\u0131’nda\u00a0"},"content":{"rendered":"

Merkez Bankas\u0131\u2019n\u0131n Eyl\u00fcl ay\u0131 politika faizlerinde indirim beklentileri artarken konut kredisi faiz oranlar\u0131nda bir indirim ata\u011f\u0131n\u0131n daha ya\u015fanma olas\u0131l\u0131\u011f\u0131 merakla beklenmeye ba\u015flad\u0131. Konut kredisi kullanmak isteyen t\u00fcketici merakla Merkez Bankas\u0131\u2019n\u0131n faiz karar\u0131n\u0131 beklemeye ba\u015flad\u0131 .<\/p>\n

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T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) %24 seviyesinde olan para politikas\u0131 faizlerinde Temmuz ay\u0131nda 425 puan indirim uygulayarak %19.75\u2019e d\u00fc\u015f\u00fcrd\u00fc. Bankan\u0131n 10 ayl\u0131k %24 seviyesinde faiz uygulamas\u0131n\u0131n ard\u0131ndan temmuz ay\u0131nda ay\u0131nda yapt\u0131\u011f\u0131 indirim kredi faizlerinin gerilemesinde \u00f6nemli etken oldu.<\/p>\n

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Enflasyonda beklentinin alt\u0131nda ya\u015fanan art\u0131\u015f, son haftalarda T\u00fcrk Liras\u0131\u2019nda g\u00f6r\u00fclen pozitif ayr\u0131\u015fma ve Cumhurba\u015fkan\u0131 Erdo\u011fan’\u0131n faiz indirim sinyalleri sonras\u0131nda ara\u015ft\u0131rma \u015firketleri ve kurumlar TCMB\u2019nin Eyl\u00fcl toplant\u0131s\u0131nda 200 ile 300 puan aras\u0131nda indirim uygulamas\u0131na kesin g\u00f6z\u00fcyle bak\u0131yordu.<\/p>\n

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D\u00fcn ABD Hazine Bakan\u0131 Steven Mnuchin, ABD\u2019nin f\u00fcze al\u0131mlar\u0131 i\u00e7in T\u00fcrkiye\u2019ye yapt\u0131r\u0131mlar\u0131 inceledi\u011fini a\u00e7\u0131klamas\u0131 ile piyasalarda ya\u015fanan olumlu hava k\u0131smen bozuldu. Haziran ay\u0131nda Rusya\u2019dan al\u0131nan S-400 f\u00fczeleri sonras\u0131nda uzla\u015fma ya\u015fanmasa da ABD\u2019nin konuya sessiz kalmas\u0131 uzla\u015fma ihtimallerini artt\u0131rarak TL\u2019nin g\u00fc\u00e7lenmesinde etkili olmu\u015ftu.<\/p>\n

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D\u00fcn ak\u015fam saatlerinde ya\u015fanan a\u00e7\u0131klama sonras\u0131nda dolar kuru 5,76 ve euro 6,35\u2019e y\u00fckselerek g\u00fcn i\u00e7i en y\u00fcksek seviyeyi g\u00f6rd\u00fc. G\u00fcnl\u00fck bazda TL, dolar kar\u015f\u0131s\u0131nda en \u00e7ok de\u011fer kaybeden geli\u015fen \u00fclke paras\u0131 olarak negatif ayr\u0131\u015ft\u0131.<\/p>\n

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ABD\u2019nin yapt\u0131r\u0131m riski ile y\u00fckseli\u015fe ge\u00e7en kur TCMB\u2019nin politika faizleri a\u00e7\u0131s\u0131ndan da risk te\u015fkil ediyor. Ekonomistlerin tahminleri olas\u0131 yapt\u0131r\u0131mlar\u0131n ya\u015fanmas\u0131 durumunda Merkez Bankas\u0131\u2019n\u0131n tekrar s\u0131k\u0131 para politikas\u0131na y\u00f6nelerek kuru dengelemek isteyece\u011fi y\u00f6n\u00fcnde. Ba\u015fka bir yakla\u015f\u0131mda ise Merkez Bankas\u0131\u2019n\u0131n politika faizlerinde indirim uygulamas\u0131 ve yapt\u0131r\u0131mlar\u0131n ya\u015fanmas\u0131 halinde dolar kurunun h\u0131zla y\u00fckselebilece\u011fi \u015feklinde.<\/p>\n

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TCMB\u2019nin Temmuz politika toplant\u0131s\u0131nda yapt\u0131\u011f\u0131 indirim sonras\u0131 h\u0131zla d\u00fc\u015f\u00fc\u015f trendine giren konut kredisi faizlerinin durumu hem d\u00f6viz kuruna hem de repo faizlerine ba\u011fl\u0131 olarak \u015fekil alacak. S\u00f6z konusu risklerin ya\u015fanmamas\u0131 ve Merkez Bankas\u0131\u2019n\u0131n yapt\u0131r\u0131mlar\u0131n bertaraf edildi\u011fi bir ortamda faiz indirimi uygulamas\u0131 halinde konut kredisi faizlerindeki d\u00fc\u015f\u00fc\u015f\u00fcn hem kamu bankalar\u0131 hem de \u00f6zel bankalar baz\u0131nda daha da h\u0131zlanmas\u0131 bekleniyor.<\/p>\n

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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re politika faizleri \u00f6ncesinde konut kredisi faiz oranlar\u0131 ortalamas\u0131 10 Eyl\u00fcl itibariyle %1.63 seviyesinde yer al\u0131yor. En d\u00fc\u015f\u00fck kampanyal\u0131 konut kredisi faiz oran\u0131 kamu bankalar\u0131n\u0131n %0.99 faiz oran\u0131 olurken \u00f6zel bankalarda en uygun faiz oran\u0131 ise %1.2 olarak uygulan\u0131yor.<\/p>\n

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10 Eyl\u00fcl itibariyle 200.000 TL konut kredisi i\u00e7in en uygun konut kredisi faizi ile 10 y\u0131l vadede konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin masraflar har\u00e7 toplam geri \u00f6demesi 342.600 TL\u2019 ye denk geliyor. S\u00f6z konusu kredinin ayl\u0131k taksit tutarlar\u0131 ise 2.850 TL oluyor.<\/p>\n

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

Merkez Bankas\u0131\u2019n\u0131n Eyl\u00fcl ay\u0131 politika faizlerinde indirim beklentileri artarken konut kredisi faiz oranlar\u0131nda bir indirim ata\u011f\u0131n\u0131n daha ya\u015fanma olas\u0131l\u0131\u011f\u0131 merakla beklenmeye ba\u015flad\u0131. Konut kredisi kullanmak isteyen t\u00fcketici merakla Merkez Bankas\u0131\u2019n\u0131n faiz karar\u0131n\u0131 beklemeye ba\u015flad\u0131 .   T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) %24 seviyesinde olan para politikas\u0131 faizlerinde Temmuz ay\u0131nda 425 puan indirim uygulayarak %19.75\u2019e d\u00fc\u015f\u00fcrd\u00fc. […]<\/p>\n","protected":false},"author":1,"featured_media":29043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29228"}],"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=29228"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29228\/revisions"}],"predecessor-version":[{"id":29229,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29228\/revisions\/29229"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29043"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}