{"id":29633,"date":"2019-10-11T10:54:21","date_gmt":"2019-10-11T07:54:21","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=29633"},"modified":"2019-10-11T10:54:21","modified_gmt":"2019-10-11T07:54:21","slug":"konut-kredisi-faizleri-kurdaki-yukselisten-etkilenir-mi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=29633","title":{"rendered":"Konut Kredisi Faizleri Kurdaki Y\u00fckseli\u015ften Etkilenir mi?"},"content":{"rendered":"

\u00dc\u00e7\u00fcnc\u00fc g\u00fcn\u00fcne girilen Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131 ve ABD\u2019den yapt\u0131r\u0131m riskleri dolay\u0131s\u0131yla dolar y\u00fckseli\u015f y\u00f6nl\u00fc seyrediyor. Kurda ya\u015fanan y\u00fckseli\u015f kredi faizlerini olumsuz etkiler mi?<\/p>\n

T\u00fcrkiye’nin Suriye’nin kuzeyinde olu\u015fan ter\u00f6r koridorunu engellemek ve milli g\u00fcvenli\u011fini sa\u011flamak amac\u0131yla F\u0131rat nehrinin do\u011fusunda y\u00fcr\u00fctt\u00fc\u011f\u00fc Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131n\u0131 baz\u0131 Bat\u0131l\u0131 \u00fclkeler ile Arap \u00fclkeleri k\u0131narken, ABD’li baz\u0131 senat\u00f6rler T\u00fcrkiye’ye kar\u015f\u0131 yapt\u0131r\u0131m tasar\u0131s\u0131 a\u00e7\u0131klad\u0131. ABD Ba\u015fkan\u0131 Trump\u2019ta bir ka\u00e7 g\u00fcn \u00f6nce twitter hesab\u0131 \u00fczerinden operasyonda \u015fiddetin artmas\u0131 durumunda T\u00fcrkiye ekonomisini yerle bir edece\u011fine dair a\u00e7\u0131klamada bulundu.<\/p>\n

Harekat \u00fc\u00e7\u00fcnc\u00fc g\u00fcn\u00fcnde devam ederken uluslararas\u0131 piyasalarda olu\u015fturulan alg\u0131 y\u00f6netimi ve yapt\u0131r\u0131m riskleri kar\u015f\u0131s\u0131nda T\u00fcrk Liras\u0131 k\u0131sm\u0131 gerileme ya\u015farken kur tekrar y\u00fckseli\u015f ivmesine ge\u00e7ti. Dolar kuru d\u00fcn g\u00fcn i\u00e7i likit piyasada en son 19 Haziran’da g\u00f6r\u00fclen 5.87 seviyesinin a\u015farak ak\u015fam saatlerinde 5.90\u2019a kadar \u00e7\u0131kt\u0131ktan sonra k\u0131sm\u0131 d\u00fc\u015f\u00fc\u015f izledi.<\/p>\n

Bug\u00fcn sabah saatlerinde dolar kuru 5.89 ve euro kuru 6.49 seviyesinde yer al\u0131rken, Borsa \u0130stanbul ise kazan\u00e7lar\u0131n\u0131 bir miktar geri vererek 98.780 d\u00fczeyinde seyrediyor.<\/p>\n

Kredi Faiz Oranlar\u0131nda Son Durum<\/h2>\n

Merkez Bankas\u0131\u2019n\u0131n Temmuz ve Eyl\u00fcl para politikas\u0131 faizlerinde toplamda 750 puan indirime giderek haftal\u0131k repo faiz oranlar\u0131n\u0131 %16.5\u2019e \u00e7ekmesiyle kredi faiz oranlar\u0131 h\u0131zla d\u00fc\u015f\u00fc\u015fe ge\u00e7ti.<\/p>\n

Politika faiz indirimleri sonras\u0131nda bankalar\u0131n kampanyal\u0131 konut kredisi faiz oranlar\u0131 %0.99\u2019a, ihtiya\u00e7 kredisi faiz oranlar\u0131 %1.19\u2019a ve kampanyal\u0131 ta\u015f\u0131t kredisi faiz oranlar\u0131 ise %0.49\u2019a kadar geriledi.<\/p>\n

Kur Y\u00fckseli\u015fi Kredi Faiz Oranlar\u0131n\u0131 Artt\u0131r\u0131r m\u0131?<\/h2>\n

En h\u0131zl\u0131 d\u00fc\u015f\u00fc\u015f\u00fcn izlendi\u011fi bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 11 Ekim itibariyle %1.47 seviyesine kadar geriledi. Bankalar\u0131n azalan maliyetleri ve rekabet ile ard arda d\u00fc\u015fen konut kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f h\u0131z\u0131 son haftada k\u0131smen yava\u015flad\u0131.<\/p>\n

2018 yaz aylar\u0131nda ya\u015fanan sert kur art\u0131\u015f\u0131 kredi faiz oranlar\u0131n\u0131 direkt etkilemi\u015f ve kredi faizleri h\u0131zla rekor seviyede y\u00fckseli\u015fe ge\u00e7mi\u015fti. Fakat uzmanlar\u0131n g\u00f6r\u00fc\u015flerine g\u00f6re kurda ciddi bir hareketlilik ve d\u00fc\u015f\u00fc\u015f e\u011filiminde olan konut kredisi faiz oranlar\u0131nda tersine bir d\u00f6n\u00fc\u015f beklenmiyor.<\/p>\n

D\u00fcn konuya ili\u015fkin a\u00e7\u0131klamalarda bulunan Deniz Yat\u0131r\u0131m Stratejisti Orkun G\u00f6dek, \u2018\u2018Daha \u00f6nce ger\u00e7ekle\u015ftirilen iki askeri harekat\u0131 da dikkate ald\u0131\u011f\u0131m\u0131zda, yerel varl\u0131klar\u0131n fiyatlama s\u00fcrecine kal\u0131c\u0131-uzun s\u00fcreli erozyon beklentisine sahip de\u011filiz. Haber ak\u0131\u015f\u0131n\u0131n s\u0131cakl\u0131\u011f\u0131n\u0131 kaybetmesi ve 13 Kas\u0131m\u2019da Washington\u2019da ger\u00e7ekle\u015ftirilecek olan Trump-Erdo\u011fan g\u00f6r\u00fc\u015fmesine y\u00f6nelik beklentilerin zaman i\u00e7erisinde spot piyasa fiyatlamalar\u0131nda dengelenmenin sa\u011flanmas\u0131na yard\u0131mc\u0131 olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz. Dolar\/TL paritesi i\u015flemlerinde 5.8550 seviyesi \u00fczerinde lira bask\u0131lanmas\u0131 teknik olarak 5.95-6.00 b\u00f6lgesine dek devam edebilir ancak \u015fu a\u015famada daha y\u00fcksek seviyeleri ek olumsuz haber ak\u0131\u015f\u0131 olmad\u0131k\u00e7a \u00f6ng\u00f6rm\u00fcyoruz.\u2019\u2019 ifadelerini aktard\u0131.<\/p>\n

En Uygun Konut Kredisi Hesaplama<\/h2>\n

KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en d\u00fc\u015f\u00fck kampanyal\u0131 konut kredisi faiz oran\u0131 Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019\u0131n uygulad\u0131\u011f\u0131 %0.99 d\u00fczeyinde. \u00d6zel bankalarda ise en uygun konut kredisi faizi %1.11 seviyesinde.<\/p>\n

G\u00fcncel olarak 100.000 TL tutarda konut kredisi i\u00e7in en d\u00fc\u015f\u00fck ayl\u0131k taksit tutarlar\u0131 5 y\u0131l vade i\u00e7in yakla\u015f\u0131k 2.200 TL oluyor. S\u00f6z konusu kredinin vade sonunda dosya masraflar\u0131 hari\u00e7 toplam geri \u00f6demesi 133.100 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00dc\u00e7\u00fcnc\u00fc g\u00fcn\u00fcne girilen Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131 ve ABD\u2019den yapt\u0131r\u0131m riskleri dolay\u0131s\u0131yla dolar y\u00fckseli\u015f y\u00f6nl\u00fc seyrediyor. Kurda ya\u015fanan y\u00fckseli\u015f kredi faizlerini olumsuz etkiler mi? T\u00fcrkiye’nin Suriye’nin kuzeyinde olu\u015fan ter\u00f6r koridorunu engellemek ve milli g\u00fcvenli\u011fini sa\u011flamak amac\u0131yla F\u0131rat nehrinin do\u011fusunda y\u00fcr\u00fctt\u00fc\u011f\u00fc Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131n\u0131 baz\u0131 Bat\u0131l\u0131 \u00fclkeler ile Arap \u00fclkeleri k\u0131narken, ABD’li baz\u0131 senat\u00f6rler T\u00fcrkiye’ye kar\u015f\u0131 yapt\u0131r\u0131m […]<\/p>\n","protected":false},"author":1,"featured_media":26671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[953,12922],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29633"}],"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=29633"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29633\/revisions"}],"predecessor-version":[{"id":29634,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29633\/revisions\/29634"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/26671"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29633"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29633"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29633"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}