Bankalar\u0131n konut kredisi faiz oranlar\u0131 yakla\u015f\u0131k d\u00f6rt ayl\u0131k indirim d\u00f6neminin ard\u0131ndan yeniden y\u00fckseli\u015fe mi ge\u00e7iyor. Kredi faizleri tekrar art\u0131\u015f trendine mi girecek?<\/p>\n
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Bankalar\u0131n konut kredisi faiz oranlar\u0131 Haziran ay\u0131 itibariyle d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde hareket sergilemeye ba\u015flad\u0131. Yakla\u015f\u0131k d\u00f6rt ayd\u0131r devam eden indirimler Merkez Bankas\u0131\u2019n\u0131n politika faizlerinde uygulad\u0131\u011f\u0131 indirimlerle h\u0131zland\u0131. Bu d\u00f6nemde yakla\u015f\u0131k 13 ay\u0131n ard\u0131ndan en d\u00fc\u015f\u00fck seviyeye inen konut kredisi faizleri %1\u2019in alt\u0131nda yer al\u0131yor.<\/p>\n
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T\u00fcrkiye’nin Suriye\u2019nin kuzeyine ba\u015flatt\u0131\u011f\u0131 Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131 sonras\u0131nda ABD\u2019nin yapt\u0131r\u0131m ihtimalleri ve hafta ba\u015f\u0131nda uygulad\u0131\u011f\u0131 yapt\u0131r\u0131mlar sonucu dolar kuru 5.90\u2019l\u0131 seviyelere kadar y\u00fckselirken T\u00fcrk Liras\u0131 Ekim ay\u0131nda \u00f6nde gelen d\u00f6vizler i\u00e7inde en \u00e7ok de\u011fer kaybeden para birimi oldu. Hafta i\u00e7inde g\u00fcn kapan\u0131\u015flar\u0131nda B\u0130TS 100 %5\u2019e, B\u0130TS 30 ise %8\u2019e kadar de\u011fer kaybetti. T\u00fcrk Liras\u0131 d\u00fcn ve bug\u00fcn g\u00fcn ba\u015f\u0131nda toparlanma g\u00f6stermi\u015f olsa da ilk konut kredisi<\/a> faiz art\u0131\u015f\u0131 haberi geldi.<\/p>\n <\/p>\n D\u00fcn itibariyle T\u00fcrkiye Ekonomi Bankas\u0131 (TEB) kampanyal\u0131 konut kredisi faiz oranlar\u0131nda faiz artt\u0131r\u0131m\u0131 uygulad\u0131. Bankan\u0131n konut i\u00e7in kampanyal\u0131 faiz oranlar\u0131 %1.15\u2019den %1.22 seviyesine y\u00fckseldi. Faizlerindeki art\u0131\u015f haberi t\u00fcketiciyi tedirgin etti. Di\u011fer bankalar\u0131n faiz oranlar\u0131nda art\u0131\u015fa gidip gitmeyece\u011fi merak konusu oldu.<\/p>\n <\/p>\n Konut Kredisi Faizleri Y\u00fckselir Mi?<\/p>\n <\/p>\n Bankalar\u0131n kredi faiz oranlar\u0131 d\u00f6viz kuruna kar\u015f\u0131 olduk\u00e7a hassas yap\u0131 izliyor. 2018\u2019in yaz aylar\u0131nda kurda ya\u015fanan y\u00fckseli\u015f sonras\u0131 konut kredisi oranlar\u0131 h\u0131zla tepki vererek %3\u2019l\u00fc seviyelere kadar \u00e7\u0131km\u0131\u015ft\u0131. Kurda ge\u00e7en sene g\u00f6r\u00fclen \u00f6l\u00e7ekte bir dalgalanma ya\u015fanmamas\u0131na ra\u011fmen konut kredisi faiz oranlar\u0131ndaki d\u00f6rt ayl\u0131k salt d\u00fc\u015f\u00fc\u015f ivmesi bozuldu.<\/p>\n <\/p>\n Konut kredisi faizlerinin seyrini eilerleyen g\u00fcnlerde d\u00f6viz kuru ve TCMB\u2019nin haftal\u0131k repo faiz karar\u0131 belirleyecek. Merkez Bankas\u0131\u2019n\u0131n politika faizlerinde indirime ya da art\u0131\u015fa gitmesi bankalar\u0131n likidite maliyetlerini do\u011frudan etkiliyor.<\/p>\n <\/p>\n Uzmanlar\u0131n g\u00f6r\u00fc\u015fleri farkl\u0131l\u0131k g\u00f6sterse de faizlerindeki durum 24 Ekim\u2019de TCMB Para Politikas\u0131 Toplant\u0131s\u0131 sonras\u0131nda daha belirgin hale gelecektir.<\/p>\n <\/p>\n Konut Kredisi Faizlerinde Son Durum<\/p>\n <\/p>\n Bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 g\u00fcncel olarak %1.47 d\u00fczeyinde. Ziraat Bankas\u0131, Vak\u0131fBank ve HalkBank konut kredisi kampanyas\u0131 dahilinde %0.99 faiz oran\u0131 sunuyor. \u00d6zel bankalarda ise en d\u00fc\u015f\u00fck konut kredisi seviyesi %1.11 seviyesinde.<\/p>\n <\/p>\n Konut Kredisi Hesaplama<\/p>\n <\/p>\n KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en uygun konut kredisi faiz oran\u0131 ile 200.000 TL tutarda konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde kredinin 10 y\u0131l vade i\u00e7in ayl\u0131k taksitleri yakla\u015f\u0131k 2.850 TL oluyor. Vade sonunda dosya masraflar\u0131 hari\u00e7 krediye \u00f6denen faiz ve anapara toplam\u0131 ise 342.600 TL\u2019ye denk geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":" Bankalar\u0131n konut kredisi faiz oranlar\u0131 yakla\u015f\u0131k d\u00f6rt ayl\u0131k indirim d\u00f6neminin ard\u0131ndan yeniden y\u00fckseli\u015fe mi ge\u00e7iyor. Kredi faizleri tekrar art\u0131\u015f trendine mi girecek? Bankalar\u0131n konut kredisi faiz oranlar\u0131 Haziran ay\u0131 itibariyle d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde hareket sergilemeye ba\u015flad\u0131. Yakla\u015f\u0131k d\u00f6rt ayd\u0131r devam eden indirimler Merkez Bankas\u0131\u2019n\u0131n politika faizlerinde uygulad\u0131\u011f\u0131 indirimlerle h\u0131zland\u0131. Bu d\u00f6nemde yakla\u015f\u0131k 13 ay\u0131n ard\u0131ndan […]<\/p>\n","protected":false},"author":1,"featured_media":29043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29725"}],"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=29725"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29725\/revisions"}],"predecessor-version":[{"id":29726,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29725\/revisions\/29726"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29043"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}