{"id":29512,"date":"2019-10-08T13:32:16","date_gmt":"2019-10-08T10:32:16","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29512"},"modified":"2019-10-08T15:54:16","modified_gmt":"2019-10-08T12:54:16","slug":"ozel-bankalarda-konut-kredi-faizlerinde-son-durum-ne","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29512","title":{"rendered":"\u00d6zel Bankalarda konut kredi faizlerinde son durum ne?"},"content":{"rendered":"

Konut alma hayali kuran bir\u00e7ok vatanda\u015f\u0131m\u0131z son zamanlarda konut kredisi<\/a> faiz oranlar\u0131nda d\u00fc\u015f\u00fc\u015f\u00fc\u015f ya\u015fanmas\u0131 ile bankalar\u0131n yolunu tutmaya ba\u015fad\u0131lar. Son zamanlarda d\u00fc\u015fmeye ba\u015flayan \u00f6zel bankalar\u0131n g\u00fcncel konut kredisi faiz oranlar\u0131 \u015f\u00f6yle:<\/b><\/p>\n

Konut sahibi olmay\u0131 isteyen fakat nakit paras\u0131 bulunmayan vatanda\u015flar\u0131n uzun zamand\u0131r konut kredisi<\/a> faizlerinin azalmas\u0131n\u0131 bekleniyordu. Merkez bankas\u0131n\u0131n faiz karar\u0131n\u0131n sonras\u0131nda \u00f6ncelikle devlet bankalar\u0131 sonra da \u00f6zel bankalar konut kredisi faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrmeye ba\u015flad\u0131lar.<\/p>\n

2019 A\u011fustos ay\u0131 i\u00e7erisinde Ziraat Bankas\u0131 konut kredi faiz oran\u0131n\u0131 0.99 \u00e7ekti. Daha sonra ise Vak\u0131fbank’da konut kredisi faiz oran\u0131n\u0131 0.99 indirdi. Ve sonrada Halkbank ve Ziraat Kat\u0131l\u0131m konut kredilerini ay\u0131n\u0131 orana d\u00fc\u015f\u00fcrd\u00fcler.<\/p>\n

Devlet bankalar\u0131 konut kredisi indiriminden sonra \u00f6zel bankalar da kont kredisi faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcyor. \u00d6zel bankalar\u0131n faiz oranlar\u0131nda ger\u00e7ekle\u015fen d\u00fc\u015f\u00fc\u015f e\u011filimi ise devam ediyor.<\/p>\n

\"\"<\/a><\/p>\n

\u00d6zel bankalar\u0131n konut kredisi faiz \u015fu \u015fekilde:<\/strong><\/p>\n

Kuveyt T\u00fcrk Bank: 1,11
\nTEB: 1,15
\nT\u00fcrkiye Finans Bank: 1,16
\nAlbaraka: 1,16
\nYap\u0131kredi: 1,17
\n\u0130NG:1,17
\nAkbank: 1,17
\n\u0130\u015fbankas\u0131: 1,17
\nGaranti: 1,20
\nICBC: 1,27
\nAlternatifbank: 1,30
\n\u015eeker Bank: 2,15<\/p>\n

Konut kredisinde taksitlerin hesaplanmas\u0131<\/h2>\n

Vatanda\u015f\u0131n konut almak i\u00e7in 100 bin liral\u0131k kredi kullan\u0131m\u0131snda e\u011fer 0.99 olan devlet bankalar\u0131ndan kredi almas\u0131 durumunda durumunda ayl\u0131k \u00f6denecek miktar 1.428 TL oluyor. Toplamda \u00f6denecek miktar ise 172 bin 702 \u00a0lira oluyor. E\u011fer \u00f6zel bankalardan konut kredisi kullanmak isterse vatanda\u015f 100 bin lira i\u00e7in ayl\u0131k \u00f6deyenecek en d\u00fc\u015f\u00fck tutar 1.512 TL. Toplamda \u00f6deneck olan miktar ise 180 bin 960 lira oluyor.<\/p>\n

Konut kredilerinde vadeler uzat\u0131ld\u0131<\/h2>\n

Konut kredilerinde faiz oranlar\u0131 d\u00fc\u015ft\u00fc ve 120 olan vade, 180 aya y\u00fckseltildi. Kullan\u0131lan konut kredisi daha uzun vade ile \u00f6denirken ayl\u0131k \u00f6demeler ise daha da d\u00fc\u015f\u00fcr\u00fcld\u00fc. Fakat bu durumda \u00f6deneck olan toplam faiz miktar\u0131n\u0131n da artaca\u011f\u0131 s\u00f6yleniliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Konut alma hayali kuran bir\u00e7ok vatanda\u015f\u0131m\u0131z son zamanlarda konut kredisi faiz oranlar\u0131nda d\u00fc\u015f\u00fc\u015f\u00fc\u015f ya\u015fanmas\u0131 ile bankalar\u0131n yolunu tutmaya ba\u015fad\u0131lar. Son zamanlarda d\u00fc\u015fmeye ba\u015flayan \u00f6zel bankalar\u0131n g\u00fcncel konut kredisi faiz oranlar\u0131 \u015f\u00f6yle: Konut sahibi olmay\u0131 isteyen fakat nakit paras\u0131 bulunmayan vatanda\u015flar\u0131n uzun zamand\u0131r konut kredisi faizlerinin azalmas\u0131n\u0131 bekleniyordu. Merkez bankas\u0131n\u0131n faiz karar\u0131n\u0131n sonras\u0131nda \u00f6ncelikle devlet bankalar\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":29513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[951,13778,13777],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29512"}],"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=29512"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29512\/revisions"}],"predecessor-version":[{"id":29533,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29512\/revisions\/29533"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29513"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29512"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29512"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29512"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}