{"id":29322,"date":"2019-09-24T10:31:34","date_gmt":"2019-09-24T07:31:34","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29322"},"modified":"2019-09-24T10:33:00","modified_gmt":"2019-09-24T07:33:00","slug":"ozel-bankalarda-konut-kredisi-faiz-indirimleri-hiz-kesmeden-devam-ediyor","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29322","title":{"rendered":"\u00d6zel Bankalarda Konut Kredisi Faiz \u0130ndirimleri H\u0131z Kesmeden Devam Ediyor"},"content":{"rendered":"
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Merkez Bankas\u0131\u2019n\u0131n politika faiz indiriminin bankalar\u0131n kredi faiz indirimleri devam ediyor. \u00d6zel bankalar h\u0131z kesmeden konut kredisi faizlerini s\u00fcrd\u00fcr\u00fcyor. Konut kredisi faizleri \u00f6zel bankalarda %1.11\u2019e kadar d\u00fc\u015ft\u00fc.<\/p>\n

Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda repo faizlerini 4.5 y\u0131l sonra en sert \u015fekilde indirmesiyle ba\u015flayan kredi faiz indirimleri s\u00fcr\u00fcyor. Kamu bankalar\u0131 A\u011fustos ba\u015f\u0131nda ger\u00e7ekle\u015ftirdi\u011fi konut kredisi faiz indirimi sonras\u0131nda faizlerini sabit tutarken \u00f6zel bankalar Merkez Bankas\u0131\u2019n\u0131n Eyl\u00fcl ay\u0131ndaki ikinci politika faiz indirimi sonras\u0131nda faiz indirimlerini h\u0131zland\u0131rd\u0131.<\/p>\n

T\u00fcrkiye cumhuriyet Merkez Bankas\u0131\u2019n\u0131n\u00a0 (TCMB) Eyl\u00fcl ay\u0131nda arka arkaya ikinci kez politika faizlerini d\u00fc\u015f\u00fcrmesinin ard\u0131ndan \u0130\u015f Bankas\u0131, Akbank, Garanti BBVA, Kuveyt T\u00fcrk Bankas\u0131, Yap\u0131 Kredi Bankas\u0131, Vak\u0131fBank, Halkbank, \u015eekerbank ve kampanyal\u0131 kredi \u00fcr\u00fcn\u00fc i\u00e7in ICBC konut kredisi faiz indirimi ger\u00e7ekle\u015ftirdi.<\/p>\n

Eyl\u00fcl ay\u0131n\u0131n son haftas\u0131nda da \u00f6zel bankalar\u0131n faiz indirimleri devam etti. D\u00fcn Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131, Garanti Bankas\u0131 ve QNB Finansbank konut kredisi faizlerini bir kez daha d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n

KrediPazari.com’un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalar\u0131n ortalama tabela konut kredisi faiz oranlar\u0131 24 Eyl\u00fcl itibariyle %1.56\u2019ya d\u00fc\u015ft\u00fc. En d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 \u00f6zel bankalarda %1.11\u2019e d\u00fc\u015ferken, kampanyal\u0131 en uygun konut kredisi faiz oran\u0131 kamu bankalar\u0131n\u0131n uygulad\u0131\u011f\u0131 %0.99 da yer al\u0131yor.<\/p>\n

Konut Kredisi Kullan\u0131m\u0131 Artmaya Devam Ediyor<\/h2>\n

Konut kredisi faizlerinin d\u00fc\u015fmesi ile kredi kullan\u0131m\u0131 artmaya devam ediyor. A\u011fustos ay\u0131nda kredili konut sat\u0131\u015flar\u0131 2019\u2019da ilk defa y\u00fckseli\u015fe ge\u00e7erek %168 artm\u0131\u015ft\u0131.<\/p>\n

Eyl\u00fcl ay\u0131n\u0131n ilk yar\u0131s\u0131nda ise konut kredisi kullan\u0131m\u0131 367 milyar TL’ye ula\u015ft\u0131. Bankac\u0131l\u0131k Denetleme ve D\u00fczenleme Kurumu (BDDK) verilerine Eyl\u00fcl ay\u0131n\u0131n ilk haftas\u0131nda konut kredisi kullan\u0131m\u0131 A\u011fustos ay\u0131n\u0131n son haftas\u0131na oranla yakla\u015f\u0131k 1.6 milyar artarak 182.7 milyar oldu. Eyl\u00fcl ay\u0131n\u0131n ikinci haftas\u0131nda ise konut kredisi hacmi ilk haftaya oranla yakla\u015f\u0131k 1.5 milyar\u00a0 artarak 184.2 milyar TL olarak ger\u00e7ekle\u015fti.<\/p>\n

Uzmanlar\u0131n g\u00f6r\u00fc\u015flerine g\u00f6re Eyl\u00fcl ay\u0131nda ipotekli konut sat\u0131\u015flar\u0131n\u0131n A\u011fustos ay\u0131ndan daha fazla ger\u00e7ekle\u015fmesi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n

T\u00fcrkiye \u0130statistik Kurumu\u2019nun (T\u00dc\u0130K) d\u00fcn a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re in\u015faat maliyet endeksi uzun s\u00fcre sonra d\u00fc\u015fmeye ba\u015flad\u0131. Endeks Temmuz ay\u0131nda bir \u00f6nceki aya oranla %0.62 geriledi. \u0130n\u015faat maliyetlerinde gerileme olmas\u0131 halinde s\u0131f\u0131r konut fiyatlar\u0131n\u0131n da d\u00fc\u015ferek sat\u0131\u015f pay\u0131 i\u00e7inde daha fazla pay almas\u0131 bekleniyor<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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