{"id":29247,"date":"2019-09-12T15:46:00","date_gmt":"2019-09-12T12:46:00","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29247"},"modified":"2019-09-12T15:46:00","modified_gmt":"2019-09-12T12:46:00","slug":"konut-kredisi-faiz-oranlari-icin-kritik-gun-2","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29247","title":{"rendered":"Konut Kredisi Faiz Oranlar\u0131 i\u00e7in Kritik G\u00fcn\u00a0"},"content":{"rendered":"<div>\n<div class=\"nH\">\n<div class=\"nH\">\n<div class=\"nH bkL\">\n<div class=\"no\">\n<div class=\"nH bkK nn\">\n<div class=\"nH\">\n<div class=\"nH\">\n<div class=\"nH ar4 z\">\n<div class=\"\">\n<div class=\"AO\">\n<div id=\":3\" class=\"Tm aeJ\">\n<div id=\":1\" class=\"aeF\">\n<div class=\"nH\">\n<div class=\"nH\" role=\"main\">\n<div class=\"nH g\">\n<p dir=\"ltr\">Merkez Bankas\u0131\u2019n\u0131n bug\u00fcn ger\u00e7ekle\u015ftirece\u011fi Para Politikas\u0131 Kurulu toplant\u0131s\u0131 merakla bekleniyor. Bankalar\u0131n kredi faiz oranlar\u0131 \u00fczerinde do\u011frudan etkili olan repo faizleri i\u00e7in beklentiler neler? Konut kredisi faizleri d\u00fc\u015fecek mi?<span id=\"m_9086851584429547258gmail-docs-internal-guid-6b0d4bbe-7fff-8376-5afe-8d040919cbd8\"><\/span><\/p>\n<p dir=\"ltr\">T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Para Politikas\u0131 Kurulu Toplant\u0131s\u0131 bug\u00fcn ger\u00e7ekle\u015fecek.\u00a0 Haftalard\u0131r merakla beklenen Eyl\u00fcl ay\u0131 politika faiz oranlar\u0131 i\u00e7in i\u00e7in piyasalar indirime kesin g\u00f6z\u00fcyle bak\u0131yor.<\/p>\n<p dir=\"ltr\">Merkez Bankas\u0131 2018 Eyl\u00fcl ay\u0131nda politika faizlerini %24 seviyesine \u00e7\u0131kard\u0131ktan sonra repo faizleri 2019 Temmuz ay\u0131na kadar de\u011fi\u015fmedi. Merkez Bankas\u0131 politika faizlerinde 10 ayl\u0131k sabit d\u00f6nemim ard\u0131ndan Temmuz toplant\u0131s\u0131nda 425 puan indirim uygulayarak faizlerini %19.75\u2019e d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n<p dir=\"ltr\">TCMB\u2019nin uzun s\u00fcre sonra repo faizlerinde indirim uygulamas\u0131 ile kredi maliyetleri d\u00fc\u015fen bankalar pe\u015f pe\u015fe konut kredisi faiz indirimi ger\u00e7ekle\u015ftirdi. \u0130lk tepki kamu bankalar\u0131ndan geldi. Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank konut kredisi faizlerini %1\u2019in alt\u0131na indirdi. \u00d6zel bankalar ise kademeli faiz indirimleri devam ediyor.<\/p>\n<p dir=\"ltr\">Para Politikas\u0131 Toplant\u0131s\u0131 \u00f6ncesinde en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 kamu bankalar\u0131n\u0131n sundu\u011fu %0.99 seviyesinde. \u00d6zel Bankalarda ise en d\u00fc\u015f\u00fck konut kredisi seviyesi %1.2 d\u00fczeyinde. Ortalama konut kredisi faiz oranlar\u0131 ise %1.62\u2019ye geriledi.<\/p>\n<p dir=\"ltr\">KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re g\u00fcncel olarak en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 ile konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde 100.000 TL\u2019lik kredinin 5 y\u0131l vadede ayl\u0131k \u00f6demeleri yakla\u015f\u0131k 2.200 TL oluyor. Toplam geri \u00f6deme ise 133.000 TL\u2019 ye denk geliyor.<\/p>\n<h2 dir=\"ltr\">Politika Faizlerindeki \u0130ndirim Beklentisi Ne Kadar?<\/h2>\n<p dir=\"ltr\">Ekonomistler Merkez Bankas\u0131\u2019n\u0131n Eyl\u00fcl toplant\u0131s\u0131nda da faiz indirimine gidece\u011fine kesin g\u00f6z\u00fcyle bakarken genel beklenti 200 ile 300 puan aras\u0131nda yer al\u0131yor. Baz\u0131 kurulu\u015flar\u0131n beklentileri \u015fu \u015fekilde;<\/p>\n<p dir=\"ltr\">Medley Global Advisors Direkt\u00f6r\u00fc Nigel Rendell, TCMB&#8217;nin bu hafta ger\u00e7ekle\u015ftirece\u011fi Para Politikas\u0131 Kurulu Toplant\u0131s\u0131nda politika faizini 300 baz puan d\u00fc\u015f\u00fcrerek %19,75&#8217;ten %16,75&#8217;e \u00e7ekebilece\u011fi \u00f6ng\u00f6r\u00fcs\u00fcnde bulundu.<\/p>\n<p dir=\"ltr\">Capital Economics Geli\u015fmekte Olan Piyasalar K\u0131demli Ekonomisti Jason Tuveyde TCMB&#8217;nin politika faiz oran\u0131n\u0131 250 baz puan indirerek %19,75&#8217;ten %17.25&#8217;e \u00e7ekece\u011fi \u00f6ng\u00f6r\u00fcs\u00fcnde bulundu.<\/p>\n<p dir=\"ltr\">Societe Generale Geli\u015fmekte Olan Piyasalar Strateji Direkt\u00f6r\u00fc Phoenix Kalen ise TCMB&#8217;nin politika faizini 250 baz puan d\u00fc\u015f\u00fcrerek %17,25&#8217;e indirebilece\u011fini \u00f6ng\u00f6rd\u00fc.<\/p>\n<p dir=\"ltr\">Tacirler Yat\u0131r\u0131m Ara\u015ft\u0131rma M\u00fcd\u00fcr\u00fc \u00d6zlem Bayraktar G\u00f6k\u015fen da Para Politikas\u0131 Kurulu toplant\u0131s\u0131nda 250 baz puan indirim beklediklerini belirtti.<\/p>\n<p dir=\"ltr\">\u0130\u015f Yat\u0131r\u0131m Menkul De\u011ferler Ara\u015ft\u0131rma B\u00f6l\u00fcm Y\u00f6netmeni Muammer K\u00f6m\u00fcrc\u00fco\u011flu ise PPK toplant\u0131s\u0131nda faiz indirim beklentilerin 250 baz puan seviyesinde, takip eden iki toplant\u0131da da toplamda 200 baz puan indirim beklediklerini s\u00f6yledi.<\/p>\n<p dir=\"ltr\">AA Finans&#8217;\u0131n Para Politikas\u0131 Kurulu Beklenti Anketi&#8217;ne g\u00f6re, ankete kat\u0131lan ekonomistlerin politika faizine ili\u015fkin indirim beklentilerinin medyan\u0131 250 baz puan oldu. B\u00fct\u00fcn ekonomistler faiz indirimi beklerken, tahminler en d\u00fc\u015f\u00fck 175, en y\u00fcksek 375 baz puan indirim aras\u0131nda yer al\u0131yor.<\/p>\n<h2 dir=\"ltr\">Konut Kredisi Faizleri D\u00fc\u015fer mi?<\/h2>\n<p dir=\"ltr\">Repo faiz indirimi sonras\u0131nda kredi maliyetleri d\u00fc\u015fen bankalar\u0131n konut kredisi faizlerinden indirim yapmaya devam etmesi tahmin ediliyor. Merkez Bankas\u0131\u2019n\u0131n Temmuz da ger\u00e7ekle\u015ftirdi\u011fi 425 puan indirimin ard\u0131ndan %1.9 seviyesinde yer alan konut kredisi faiz oranlar\u0131 28 puan d\u00fc\u015f\u00fc\u015fle %1.62\u2019ye geriledi. En d\u00fc\u015f\u00fck %1.5 olan tabela konut kredisi faiz oran\u0131 da %0.99\u2019a d\u00fc\u015ft\u00fc.<\/p>\n<p dir=\"ltr\">Beklentilerde oldu\u011fu gibi repo faizlerinde ortalama 300 puanl\u0131k bir indirim daha olmas\u0131 durumunda d\u00f6viz kurunda olumsuz bir durum ya\u015fanmamas\u0131 halinde kredi faizlerinin d\u00fc\u015fmesi tahmin ediliyor. Beklenti \u00f6zel bankalar\u0131n da dahil oldu\u011fu bir\u00e7ok bankan\u0131n konut kredisi faizlerinin %1\u2019in alt\u0131na inmesi ve en d\u00fc\u015f\u00fck konut kredisi seviyesinin daha da d\u00fc\u015fmesi y\u00f6n\u00fcnde.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"nH bAw nn\">\n<div class=\"brC-aT5-aOt-Jw\" role=\"complementary\" aria-label=\"Yan panel\">\n<div class=\"brC-aT5-aOt-bsf-Jw\">\n<div class=\"brC-bsf-aT5-aOt\" tabindex=\"0\" role=\"tablist\">\n<div id=\"gsc-gab-6\" class=\"bse-bvF-I aT5-aOt-I bse-bvF-aLp\" role=\"tab\" data-guest-app-id=\"6\" aria-label=\"Takvim\" aria-disabled=\"false\" aria-selected=\"false\">\n<div class=\"aT5-aOt-I-JX-atM aT5-aOt-I-JX-atM-Kv\"><\/div>\n<div class=\"aT5-aOt-I-JX-Jw\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131\u2019n\u0131n bug\u00fcn ger\u00e7ekle\u015ftirece\u011fi Para Politikas\u0131 Kurulu toplant\u0131s\u0131 merakla bekleniyor. Bankalar\u0131n kredi faiz oranlar\u0131 \u00fczerinde do\u011frudan etkili olan repo faizleri i\u00e7in beklentiler neler? Konut kredisi faizleri d\u00fc\u015fecek mi? T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Para Politikas\u0131 Kurulu Toplant\u0131s\u0131 bug\u00fcn ger\u00e7ekle\u015fecek.\u00a0 Haftalard\u0131r merakla beklenen Eyl\u00fcl ay\u0131 politika faiz oranlar\u0131 i\u00e7in i\u00e7in piyasalar indirime kesin g\u00f6z\u00fcyle bak\u0131yor. Merkez [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[1,5388],"tags":[951,277,13700],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29247"}],"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=29247"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29247\/revisions"}],"predecessor-version":[{"id":29250,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29247\/revisions\/29250"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29249"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29247"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29247"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29247"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}