{"id":2949,"date":"2016-07-11T19:46:34","date_gmt":"2016-07-11T16:46:34","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=2949"},"modified":"2018-07-05T14:17:08","modified_gmt":"2018-07-05T11:17:08","slug":"konut-kredisi-kullanimi-2-milyonu-gecti","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=2949","title":{"rendered":"Konut Kredisi Kullan\u0131m\u0131 2 Milyonu Ge\u00e7ti!"},"content":{"rendered":"<div class=\"hz_top_post\">\n<div class=\"hz_title_and_meta\">\n<div class=\"hz_title\">\n<h1>TBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ayd\u0131n: &#8220;Konut kredileri di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re daha h\u0131zl\u0131 artt\u0131&#8221;<\/h1>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-2950\" src=\"http:\/\/emlaktuel.com\/wp-content\/uploads\/2016\/07\/1058735_620x410-300x198.jpg\" alt=\"1058735_620x410\" width=\"300\" height=\"198\" \/><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"hz_main_post_content\">\n<div class=\"hz_content\">T\u00fcrkiye Bankalar Birli\u011fi (TBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 H\u00fcseyin Ayd\u0131n, konut kredilerinin di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re daha h\u0131zl\u0131 artt\u0131\u011f\u0131n\u0131, 2015 sonu itibar\u0131yla stok olarak konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131 belirtti.TBB Risk Merkezi \u00fcyesi bankalar ve finansman \u015firketleri taraf\u0131ndan bildirilen konut kredisi bilgileri kullan\u0131larak haz\u0131rlanan bilgi notuna g\u00f6re, kredi miktar\u0131 ve kullanan ki\u015fi say\u0131s\u0131 istikrarl\u0131 bir b\u00fcy\u00fcme g\u00f6sterdi.\u00a0Bilgi notunda g\u00f6r\u00fc\u015flerine yer verilen TBB Ba\u015fkan\u0131 Ayd\u0131n, 2015 sonu itibar\u0131yla stok olarak konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131, tercih edilen kredi dilimlerinin 75 bin TL ile 150 bin TL civar\u0131nda oldu\u011funu, vadelerin 6 y\u0131ldan 8 y\u0131la y\u00fckseldi\u011fini vurgulad\u0131.Ayd\u0131n, konut kredisinin en fazla kullan\u0131ld\u0131\u011f\u0131 ya\u015f grubunun ise 31-41 aral\u0131\u011f\u0131nda oldu\u011funu ifade etti.<\/p>\n<h4>Y\u0131ll\u0131k bazda ortalama y\u00fczde 25 artt\u0131<\/h4>\n<p>\u00c7al\u0131\u015fmaya g\u00f6re, konut kredileri, 2009 &#8211; 2015 d\u00f6neminde y\u0131ll\u0131k ortalama y\u00fczde 25 artarak 148 milyar TL&#8217;yi buldu. Y\u0131ll\u0131k bazda ortalama reel b\u00fcy\u00fcme ise y\u00fczde 16 seviyesinde ger\u00e7ekle\u015fti.\u00a0Bankalar taraf\u0131ndan yurt d\u0131\u015f\u0131ndan arac\u0131l\u0131k edilen krediler haricindeki konut kredilerinin, finansman \u015firketleri taraf\u0131ndan kulland\u0131r\u0131lan krediler toplam\u0131na oran\u0131 yakla\u015f\u0131k y\u00fczde 9&#8217;da kald\u0131. \u00d6te yandan bu kredilerin bireysel krediler i\u00e7indeki pay\u0131 6 puan artarak y\u00fczde 37&#8217;ye y\u00fckseldi. Ev kredilerinin Gayri Safi Yurti\u00e7i Has\u0131la&#8217;ya (GSYH) oran\u0131 y\u00fczde 4&#8217;ten y\u00fczde 7&#8217;ye \u00e7\u0131kt\u0131. Bu oran\u0131n AB \u00fclkeleri ortalamas\u0131, 2014 y\u0131l\u0131nda y\u00fczde 43 d\u00fczeyindeydi.<\/p>\n<h4>2,1 milyon ki\u015fi konut kredisi kulland\u0131<\/h4>\n<p>Konut kredisi kullanan ki\u015fi say\u0131s\u0131, stok olarak 2009&#8217;da 800 bin iken 2015 sonunda 2,1 milyona ula\u015ft\u0131. Ayn\u0131 d\u00f6nemde ortalama kredi miktar\u0131 da 51 bin TL&#8217;den 70 bin TL&#8217;ye y\u00fckseldi.\u00a0Ki\u015fi ba\u015f\u0131na kullan\u0131lan ev kredisi miktar\u0131, ortalama 76 bin TL&#8217;den 114 bin TL&#8217;ye \u00e7\u0131karken kredilerin ortalama vadesi 19 ay uzayarak 91 aya \u00e7\u0131kt\u0131.<\/p>\n<h4>Ortalama kullan\u0131m miktar\u0131 75-150 bin TL aral\u0131\u011f\u0131nda yo\u011funla\u015ft\u0131<\/h4>\n<p>Konut kredisi kullanan ki\u015fi say\u0131s\u0131ndaki yo\u011funla\u015fma, miktar aral\u0131klar\u0131na g\u00f6re 2009 y\u0131l\u0131nda 50 bin TL&#8217;ye kadar iken 2015 y\u0131l\u0131nda 75-100 bin TL ile 100-150 bin TL aral\u0131klar\u0131nda ger\u00e7ekle\u015fti. 2009 y\u0131l\u0131nda 136 bin ki\u015fi 50 bin TL&#8217;ye kadar, 87 bin ki\u015fi 50-75 bin TL kredi kullan\u0131rken 2015 y\u0131l\u0131nda kullan\u0131m yo\u011funlu\u011fu 50-150 bin TL oldu.\u00a0Ge\u00e7en y\u0131l, 26-30 ya\u015f\u0131nda 69 bin ki\u015fi, 31-35 ya\u015f\u0131nda 91 bin ki\u015fi, 36-41 ya\u015f\u0131nda ise 96 bin ki\u015fi konut kredisi ald\u0131. 2009 y\u0131l\u0131nda ise 26-30 ya\u015f\u0131nda 44 bin ki\u015fi, 31-35 ya\u015f\u0131nda 68 bin ki\u015fi, 36-41 ya\u015f\u0131nda 73 bin ki\u015fi ev kredisi kullanm\u0131\u015ft\u0131.<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>TBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ayd\u0131n: &#8220;Konut kredileri di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re daha h\u0131zl\u0131 artt\u0131&#8221; T\u00fcrkiye Bankalar Birli\u011fi (TBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 H\u00fcseyin Ayd\u0131n, konut kredilerinin di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re daha h\u0131zl\u0131 artt\u0131\u011f\u0131n\u0131, 2015 sonu itibar\u0131yla stok olarak konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131 belirtti.TBB Risk Merkezi \u00fcyesi bankalar ve finansman \u015firketleri [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,27],"tags":[11253,1944,80,11091,951,1943,1942,1945,1946,277,11313,11442],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/2949"}],"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=2949"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/2949\/revisions"}],"predecessor-version":[{"id":2951,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/2949\/revisions\/2951"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/1503"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}