{"id":29444,"date":"2019-10-04T10:29:02","date_gmt":"2019-10-04T07:29:02","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29444"},"modified":"2019-10-04T10:29:02","modified_gmt":"2019-10-04T07:29:02","slug":"enflasyondaki-dusus-konut-kredisi-faiz-indirimlerini-hizlandirir-mi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29444","title":{"rendered":"Enflasyondaki D\u00fc\u015f\u00fc\u015f Konut Kredisi Faiz \u0130ndirimlerini H\u0131zland\u0131r\u0131r m\u0131?"},"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\">Enflasyon Eyl\u00fcl ay\u0131nda 26 ay\u0131n ard\u0131ndan yeniden tek haneli rakamlara geriledi. Enflasyondaki d\u00fc\u015f\u00fc\u015f konut kredisi faiz oranlar\u0131ndaki indirimleri h\u0131zland\u0131r\u0131r m\u0131?<\/p>\n<p dir=\"ltr\">Bankalar\u0131n konut kredisi faiz oranlar\u0131 enflasyondaki d\u00fc\u015f\u00fc\u015f ve repo faizlerindeki indirimleri ard\u0131ndan yakla\u015f\u0131k \u00fc\u00e7 ayd\u0131r d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde ivme sergiliyor. Temmuz ay\u0131ndan bu yana tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 52 puan geriledi.<\/p>\n<p dir=\"ltr\">Enflasyon oranlar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na oranla Temmuz\u2019da %16,65, A\u011fustos\u2019ta %15.01 ve Eyl\u00fcl\u2019de %9.26 geriledi. Son \u00fc\u00e7 ayda enflasyondaki d\u00fc\u015f\u00fc\u015f %7 ye yakla\u015f\u0131rken 26 ay sonra ilk defa T\u00dcFE tek haneli rakamlara indi.<\/p>\n<p dir=\"ltr\">Enflasyondaki sert d\u00fc\u015f\u00fc\u015f ivmesi politika faizlerindeki indirimleri destekledi. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Temmuz ve Eyl\u00fcl aylar\u0131nda arka arkaya iki kez toplamda 750 puan indirim uygulayarak %24 seviyesinde olan para politikas\u0131 faizlerini %16.5\u2019e indirdi.<\/p>\n<p dir=\"ltr\">Enflasyonun Eyl\u00fcl ay\u0131nda tek haneye inmesi ile bir\u00e7ok kurum y\u0131l sonu enflasyon hedeflerini d\u00fc\u015ferken VTB Capital kurulu\u015fu\u00a0 TCMB&#8217;nin Ekim para politikas\u0131 toplant\u0131s\u0131nda 150-200 puan faiz indirmesini bekledi\u011fini a\u00e7\u0131klad\u0131.<\/p>\n<p dir=\"ltr\">Uzmanlar\u0131n yorumlar\u0131na g\u00f6re enflasyondaki d\u00fc\u015f\u00fc\u015f\u00fcn s\u00fcrmesi ve TCMB\u2019nin para politikas\u0131nda faiz indirimlerine devam etmesi halinde k\u00fcresel riskler dolay\u0131s\u0131 ile kurda ataklar ya\u015fanmamas\u0131 halinde bankalar\u0131n <strong><a href=\"https:\/\/emlaktuel.com\/?s=konut+kredisi\">konut kredisi<\/a><\/strong> faiz indirimlerine devam edebilece\u011fi \u015feklinde.<\/p>\n<p dir=\"ltr\">Bankalar\u0131n konut kredisi faiz oranlar\u0131 Temmuz ay\u0131ndan beri d\u00fczenli d\u00fc\u015f\u00fc\u015f ivmesi seyrediyor. Eyl\u00fcl ay\u0131nda bir daha indirilen politika faizlerinin ard\u0131ndan \u00f6zel bankalardaki konut kredisi faiz indirimi ataklar\u0131 da h\u0131zland\u0131.<\/p>\n<p dir=\"ltr\">Konut kredisi faizlerinin gerilemesi ile konut talebinde de ciddi art\u0131\u015flar g\u00f6zlendi. A\u00e7\u0131klanan son verilere g\u00f6re Eyl\u00fcl ay\u0131nda ipotekli konut sat\u0131\u015flar\u0131 bir \u00f6nceki aya oranla %168 artt\u0131. Faiz indirimleri sonras\u0131nda Kamu bankalar\u0131na 1.5 ay i\u00e7inde 150.000&#8217;in \u00fczerinde konut kredisi talebi oldu. Bu art\u0131\u015f\u0131n devam eden aylarda da s\u00fcrmesi bekleniyor.<\/p>\n<p dir=\"ltr\">G\u00fcncel olarak en d\u00fc\u015f\u00fck konut kredisi faizi kamu bankalar\u0131n\u0131n ortak kampanyalar\u0131 kapsam\u0131nda uygulad\u0131\u011f\u0131 %0.99 seviyeside. \u00d6zel bankalardaki en uygun faiz oranlar\u0131 ise Kuveyt T\u00fcrk Bankas\u0131n\u0131n sundu\u011fu %1.11\u2019e geriledi.<\/p>\n<p dir=\"ltr\">KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalardan 100.000 TL tutarda <a href=\"https:\/\/emlaktuel.com\/?s=konut+kredisi+hesaplama\"><strong>konut kredisi hesaplama<\/strong><\/a> yap\u0131ld\u0131\u011f\u0131nda kredinin 15 y\u0131l vadede en uygun ayl\u0131k taksitleri yakla\u015f\u0131k 1.200 TL oluyor. Kredinin toplam geri \u00f6demesi de 215.000 TL\u2019 ye denk geliyor<\/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 it\">\n<div class=\"brC-dA-I-Jw\" role=\"navigation\" aria-label=\"Yan paneli a\u00e7\/kapat\">\n<div class=\"aT5-aOt-I brC-dA-I aT5-aOt-I-Jp\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-label=\"Yan paneli g\u00f6ster\">\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","protected":false},"excerpt":{"rendered":"<p>Enflasyon Eyl\u00fcl ay\u0131nda 26 ay\u0131n ard\u0131ndan yeniden tek haneli rakamlara geriledi. Enflasyondaki d\u00fc\u015f\u00fc\u015f konut kredisi faiz oranlar\u0131ndaki indirimleri h\u0131zland\u0131r\u0131r m\u0131? Bankalar\u0131n konut kredisi faiz oranlar\u0131 enflasyondaki d\u00fc\u015f\u00fc\u015f ve repo faizlerindeki indirimleri ard\u0131ndan yakla\u015f\u0131k \u00fc\u00e7 ayd\u0131r d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde ivme sergiliyor. Temmuz ay\u0131ndan bu yana tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 52 puan geriledi. Enflasyon oranlar\u0131 bir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[13060,6967],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29444"}],"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=29444"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29444\/revisions"}],"predecessor-version":[{"id":29445,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29444\/revisions\/29445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23281"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}