Konut kredisi faiz oranlar\u0131nda yakla\u015f\u0131k d\u00f6rt ayd\u0131r devam eden indirimler son buldu. Baz\u0131 bankalarda ise kredi faiz oranlar\u0131 yeniden y\u00fckseldi. Konut kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f neden durdu? Faiz indirimleri devam eder mi?<\/p>\n
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Bankalar\u0131n konut kredisi faiz oranlar\u0131 2019\u2019un ikinci yar\u0131s\u0131ndan itibaren d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde ivme izlemeye ba\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n son iki para politikas\u0131 toplant\u0131s\u0131nda indirimleri desteklemesi ile faiz oranlar\u0131 aral\u0131ks\u0131z olarak son d\u00f6rt ayda %1\u2019in alt\u0131na kadar indi.<\/p>\n
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Fakat Ekim ay\u0131n\u0131n ikinci haftas\u0131 sonras\u0131nda konut kredisi faiz oranlar\u0131nda ki d\u00fc\u015f\u00fc\u015f durdu. Temmuz ay\u0131 sonras\u0131nda ilk defa son 10 g\u00fcnde konut kredisi faiz oranlar\u0131nda indirime giren banka olmad\u0131.<\/p>\n
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Bunun yan\u0131 s\u0131ra ge\u00e7ti\u011fimiz g\u00fcnlerde TEB kampanyal\u0131 konut kredisi faiz oranlar\u0131nda QNB Finansbank ise kampanyal\u0131 ihtiya\u00e7 kredisi faiz oranlar\u0131nda art\u0131\u015fa gitti. Faiz oranlar\u0131nda d\u00f6rt ayd\u0131r devam sadece ini\u015f y\u00f6nl\u00fc ivme son buldu.<\/p>\n
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Uzmanlar kredi faiz oranlar\u0131ndaki indirimlerin durmas\u0131ndaki sebepleri T\u00fcrkiye\u2019nin Suriye’nin kuzeyindeki ter\u00f6r koridorunu temizlemek i\u00e7in ba\u015flatt\u0131\u011f\u0131 Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131\u2019n\u0131n olu\u015fturdu\u011fu tedirginli\u011fin ve hareket dolay\u0131s\u0131 ile ABD\u2019den gelen ekonomik yapt\u0131r\u0131mlar kar\u015f\u0131s\u0131nda TL\u2019nin de\u011fer kaybederek d\u00f6viz kurlar\u0131n\u0131n y\u00fckseli\u015fe ge\u00e7mesi olarak belirtiyor.<\/p>\n
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Yak\u0131n vadede kredi faiz oranlar\u0131n\u0131n durumu d\u00f6viz kuruna ve Merkez Bankas\u0131\u2019n\u0131n bu ay a\u00e7\u0131klayaca\u011f\u0131 repo faiz oranlar\u0131na g\u00f6re konumlanmas\u0131 bekleniyor. Eyl\u00fcl ay\u0131nda enflasyon oranlar\u0131n\u0131n tek haneye gerilemesi ile Merkez Bankas\u0131\u2019ndan Ekim ay\u0131 politika faizlerinde yakla\u015f\u0131k 300 puan indirim beklenirken kurdaki geli\u015fmeler ve liran\u0131n daha k\u0131r\u0131lgan bir yap\u0131ya girmesi ile beklentiler zay\u0131flad\u0131.<\/p>\n
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D\u00fcn ABD heyeti ile yap\u0131lan g\u00f6r\u00fc\u015fmeler sonras\u0131 a\u00e7\u0131klamalar\u0131n yap\u0131lmas\u0131 ile dolar kuru h\u0131zl\u0131 bir d\u00fc\u015f\u00fc\u015f izledi. Kur bug\u00fcn operasyon \u00f6ncesindeki seviyelerine do\u011fru h\u0131zl\u0131 d\u00fc\u015f\u00fc\u015f sergilerken borsa da a\u00e7\u0131l\u0131\u015fta kay\u0131plar\u0131n\u0131n bir b\u00f6l\u00fcm\u00fcn\u00fc yeniden kazand\u0131. Kurda dengelenmenin yakalanmas\u0131 ile kredi faizlerinin yeniden harekete ge\u00e7ebilmesi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n
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Bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 %1.47 seviyesinde kalmaya devam ederken en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 halen kamu bankalar\u0131n\u0131n kampanyas\u0131 kapsam\u0131nda kulland\u0131r\u0131lan %0.99 olarak kar\u015f\u0131m\u0131za \u00e7\u0131k\u0131yor. \u00d6zel bankalardaki en d\u00fc\u015f\u00fck kredi faiz oran\u0131 da %1.11 seviyesinde kalmaya devam ediyor.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 18 Ekim itibariyle bankalardan 300.000 TL tutarda 10 y\u0131l vadeli konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin ayl\u0131k \u00f6demeleri yakla\u015f\u0131k 4.300 TL oluyor. Kredinin vade sonunda toplam faiz ve anapara \u00f6demesi ise 514.000 TL\u2019ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Konut kredisi faiz oranlar\u0131nda yakla\u015f\u0131k d\u00f6rt ayd\u0131r devam eden indirimler son buldu. Baz\u0131 bankalarda ise kredi faiz oranlar\u0131 yeniden y\u00fckseldi. Konut kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f neden durdu? Faiz indirimleri devam eder mi? Bankalar\u0131n konut kredisi faiz oranlar\u0131 2019\u2019un ikinci yar\u0131s\u0131ndan itibaren d\u00fc\u015f\u00fc\u015f y\u00f6n\u00fcnde ivme izlemeye ba\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n son iki para politikas\u0131 toplant\u0131s\u0131nda indirimleri […]<\/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":[],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29801"}],"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=29801"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29801\/revisions"}],"predecessor-version":[{"id":29802,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29801\/revisions\/29802"}],"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=29801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}