{"id":29415,"date":"2019-10-03T10:02:33","date_gmt":"2019-10-03T07:02:33","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29415"},"modified":"2019-10-03T10:02:33","modified_gmt":"2019-10-03T07:02:33","slug":"konut-kredisi-yapilandirma-nasil-yapilir","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29415","title":{"rendered":"Konut Kredisi Yap\u0131land\u0131rma Nas\u0131l Yap\u0131l\u0131r?"},"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\">Kamu bankalar\u0131 %0.99 faiz oran\u0131 ile konut kredisi yap\u0131land\u0131rmaya ba\u015flad\u0131. Konut kredisi yap\u0131land\u0131rma nas\u0131l yap\u0131l\u0131r? Yap\u0131land\u0131rma yaparken nelere dikkat edilmeli?<\/p>\n<p dir=\"ltr\">2018\u2019in ikinci yar\u0131s\u0131 sonras\u0131nda ba\u015flayan kur krizi sonras\u0131nda kredi faiz oranlar\u0131 h\u0131zla y\u00fckselerek rekor seviyelere ula\u015ft\u0131. S\u00f6z konusu d\u00f6nemde bir\u00e7ok bankan\u0131n konut kredisi faiz oran\u0131 3 ve \u00fczeri seviyelere kadar y\u00fckseldi. 2018 Ekim ay\u0131nda bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 %2.58\u2019e ula\u015farak en y\u00fcksek seviyeye \u00e7\u0131kt\u0131.<\/p>\n<p dir=\"ltr\">2019 Haziran ay\u0131 sonras\u0131nda k\u0131smi \u015fekilde ba\u015flayan konut kredisi faiz indirimleri Merkez Bankas\u0131&#8217;n\u0131n Temmuz ay\u0131 politika faiz indirimleri sonras\u0131nda h\u0131z kazand\u0131. A\u011fustos ay\u0131 itibariyle kamu bankalar\u0131n\u0131n konut kredisi faiz oranlar\u0131 %0.99\u2019a kadar geriledi. Ard\u0131ndan Merkez Bankas\u0131\u2019n\u0131n Eyl\u00fcl politika faizlerinde de arka arkaya ikinci kez indirime gitmesi sonras\u0131nda bankalar\u0131n kredi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f h\u0131z kazand\u0131.<\/p>\n<p dir=\"ltr\">Bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 Ekim ay\u0131n\u0131n ilk haftas\u0131nda %1.53\u2019e kadar d\u00fc\u015ft\u00fc. En d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 kamu banklar\u0131nda %0.99, \u00f6zel bankalarda ise %1.11\u2019e kadar indi.<\/p>\n<p dir=\"ltr\">Konut kredisi faiz oranlar\u0131 d\u00fc\u015fmeye ba\u015flasada vatanda\u015flar\u0131n kredi ma\u011fduriyeti devam ediyordu. Yakla\u015f\u0131k bir senelik bekleyi\u015fin ard\u0131ndan hafta ba\u015f\u0131 itibariyle Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019tan konut kredisi yap\u0131land\u0131rma m\u00fcjdesi geldi.<\/p>\n<p dir=\"ltr\">Kamu bankalar\u0131 2019 A\u011fustos \u00f6ncesinde \u00e7ekilen 500.000 TL\u2019ye kadar konut kredileri i\u00e7in %0.99 faiz oran\u0131 ile konut kredisi yap\u0131land\u0131rma uygulamaya ba\u015flad\u0131. Uygulaman\u0131n ba\u015flamas\u0131 ile bankalarda yo\u011fun talep ger\u00e7ekle\u015fti ve pek \u00e7ok vatanda\u015f\u0131n uzun bekleyi\u015fi sevince d\u00f6n\u00fc\u015ft\u00fc. Peki konut kredisi yap\u0131land\u0131r\u0131rken nelere dikkat etmek gerekir?<\/p>\n<h2 dir=\"ltr\">Konut Kredisi Yap\u0131land\u0131rma Masraflar\u0131na Dikkat<\/h2>\n<p dir=\"ltr\">Konut kredisi yap\u0131land\u0131rma her durumda karl\u0131 olmayabilir. T\u00fcketicinin yap\u0131land\u0131rma yapmadan \u00f6nce erken \u00f6deme cezas\u0131 ve dosya masraflar\u0131 kar\u015f\u0131s\u0131nda yeniden yap\u0131land\u0131rman\u0131n daha karl\u0131 olup olmad\u0131\u011f\u0131 hesaplamas\u0131 gerekiyor.<\/p>\n<p dir=\"ltr\">D\u00fc\u015fen faiz oran\u0131n\u0131n yan\u0131nda, \u00f6denen toplam faize, kalan vadeye, bankan\u0131n talep etti\u011fi masraflara da dikkat etmek gerekiyor. Kar\/zarar kar\u015f\u0131la\u015ft\u0131rmas\u0131 yaparken kalan vadeye g\u00f6re \u00f6denecek erken \u00f6deme cezas\u0131n\u0131 (yeniden yap\u0131land\u0131rma esnas\u0131nda banka eski konut kredisi borcunu kapatt\u0131\u011f\u0131 i\u00e7in 36 ay vadeli ve \u00fczeri konut kredileri i\u00e7in %2, 36 ay vade alt\u0131ndaki konut kredileri i\u00e7in ise %1 erken \u00f6deme cezas\u0131 ve dosya masraflar\u0131 uyguluyor), ekspertiz \u00fccretini, dosya masraflar\u0131n\u0131 ve sigorta masraflar\u0131n\u0131 da hesaba katmak gerekiyor.<\/p>\n<p dir=\"ltr\">Bu hesaplamalar\u0131n hepsini ve kalan kredi tutar\u0131n\u0131n 15 y\u0131l vadeye kadar yeniden yap\u0131land\u0131r\u0131ld\u0131\u011f\u0131nda ayl\u0131k \u00f6demelerle ne kadar kar edilebilece\u011fi detayl\u0131 olarak KrediPazari.com\u2019un kredi refinansman sayfas\u0131ndan hesaplanabiliyor.<\/p>\n<h2 dir=\"ltr\">Konut Kredisi Yap\u0131land\u0131rmada Hesaplamas\u0131?<\/h2>\n<p dir=\"ltr\">2018\u2019in son d\u00f6nemleri ve 2019\u2019un ilk haftalar\u0131nda piyasadaki en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 %1.98 seviyesindeydi. S\u00f6z konusu oran \u00fczerinden o d\u00f6nem 200.000 TL konut kredisi kullanan t\u00fcketici 10 y\u0131l vadede ayl\u0131k 4.376 TL \u00f6demeler ger\u00e7ekle\u015ftiriyordu.<\/p>\n<p dir=\"ltr\">Ayn\u0131 t\u00fcketici %0.99 faiz oran\u0131 ile konut kredisi yap\u0131land\u0131rma yapt\u0131\u011f\u0131 takdirde ayl\u0131k \u00f6demeleri 2.856 TL\u2019 ye d\u00fc\u015fecek.<\/p>\n<p dir=\"ltr\">Masraflar hari\u00e7 hesaplama yap\u0131ld\u0131\u011f\u0131nda 200.000 TL tuturda konut kredisi kullanan t\u00fcketicinin konut kredisi yap\u0131land\u0131rma yapmas\u0131 durumunda ayl\u0131k 1.520, toplamda ise 180.800 TL\u2019ye kadar kar edebiliyor.<\/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>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kamu bankalar\u0131 %0.99 faiz oran\u0131 ile konut kredisi yap\u0131land\u0131rmaya ba\u015flad\u0131. Konut kredisi yap\u0131land\u0131rma nas\u0131l yap\u0131l\u0131r? Yap\u0131land\u0131rma yaparken nelere dikkat edilmeli? 2018\u2019in ikinci yar\u0131s\u0131 sonras\u0131nda ba\u015flayan kur krizi sonras\u0131nda kredi faiz oranlar\u0131 h\u0131zla y\u00fckselerek rekor seviyelere ula\u015ft\u0131. S\u00f6z konusu d\u00f6nemde bir\u00e7ok bankan\u0131n konut kredisi faiz oran\u0131 3 ve \u00fczeri seviyelere kadar y\u00fckseldi. 2018 Ekim ay\u0131nda bankalar\u0131n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29012,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[2090,13738],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29415"}],"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=29415"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29415\/revisions"}],"predecessor-version":[{"id":29416,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29415\/revisions\/29416"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29012"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}