Bankalar\u0131n kredi faiz oranlar\u0131 son haftalarda olduk\u00e7a dura\u011fan bir seyir izliyor. Konut kredisi faiz oranlar\u0131 yeni haftaya nas\u0131l ba\u015flad\u0131?<\/p>\n
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Konut kredisi faiz oranlar\u0131 yakla\u015f\u0131k 4 ay boyunca politika faizlerinde ya\u015fanan indirim etkisinden de destek alarak hem kamu bankalar\u0131nda hem de \u00f6zel bankalarda h\u0131zla d\u00fc\u015f\u00fc\u015f e\u011filimine girdi. Ekim ay\u0131n\u0131n ilk haftas\u0131na kadar s\u00fcren s\u00f6z kosu e\u011filim ile konut kredisi faiz oranlar\u0131 13 ay sonra ilk defa %1\u2019 in alt\u0131na kadar geriledi.<\/p>\n
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Kredi faiz oranlar\u0131nda ya\u015fanan seri indirimler T\u00fcrkiye\u2019nin Suriye\u2019nin kuzeyindeki ter\u00f6r koridorunu kesmek i\u00e7in ba\u015flatt\u0131\u011f\u0131 Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131 sonras\u0131\u00a0 hem y\u00fckselen d\u00f6viz kuru hem de ABD\u2019den gelen yapt\u0131r\u0131m etkisi ile durdu. T\u00fcrk Liras\u0131nda k\u0131sa s\u00fcreli ya\u015fanan de\u011fer kayb\u0131, borsada ya\u015fanan d\u00fc\u015f\u00fc\u015f sonras\u0131 baz\u0131 bankalar konut kredisi ve ihtiya\u00e7 kredisi faiz oranlar\u0131nda art\u0131\u015f uygulad\u0131.<\/p>\n
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Ge\u00e7ti\u011fimiz hafta ABD heyeti ile Ankara\u2019da yap\u0131lan anla\u015fma sonras\u0131 d\u00f6viz kurunda sert d\u00fc\u015f\u00fc\u015f ve borsada kay\u0131plar\u0131n yeniden kazan\u0131lmas\u0131 ile kredi faiz oranlar\u0131ndaki art\u0131\u015flarda durarak faiz oranlar\u0131 haftay\u0131 dura\u011fan kapatt\u0131.<\/p>\n
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Yeni haftada d\u00f6viz kurundaki durum ve Merkez Bankas\u0131\u2019n\u0131n per\u015fembe g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 Ekim ay\u0131 Para Politikas\u0131 Faiz oranlar\u0131 kredi faizlerindeki durumu belirleyecek. Faiz oranlar\u0131ndaki hereketin a\u015fa\u011f\u0131 ya da yukar\u0131 y\u00f6nl\u00fc seyrinin hafta i\u00e7inde belli olmas\u0131 bekleniyor.<\/p>\n
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21 Ekimle ba\u015flayan haftada bankalar\u0131n tabela konut krdisi faiz oranlar\u0131 ortalamas\u0131 %1.47 seviyesinde seyrediyor. En d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 ise Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019\u0131n sundu\u011fu %0.99 seviyesinde. \u00d6zel bankalarda ise en d\u00fc\u015f\u00fck konut kredisi seviyesi %1.11 d\u00fczeyinde.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 21 Ekim itibariyle 100.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin 10 y\u0131l vadede ayl\u0131k \u00f6demeleri yakla\u015f\u0131k 1.420 TL oluyor. Kredinin masraflar hari\u00e7 toplam geri \u00f6demesi ise 171.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankalar\u0131n kredi faiz oranlar\u0131 son haftalarda olduk\u00e7a dura\u011fan bir seyir izliyor. Konut kredisi faiz oranlar\u0131 yeni haftaya nas\u0131l ba\u015flad\u0131? Konut kredisi faiz oranlar\u0131 yakla\u015f\u0131k 4 ay boyunca politika faizlerinde ya\u015fanan indirim etkisinden de destek alarak hem kamu bankalar\u0131nda hem de \u00f6zel bankalarda h\u0131zla d\u00fc\u015f\u00fc\u015f e\u011filimine girdi. Ekim ay\u0131n\u0131n ilk haftas\u0131na kadar s\u00fcren s\u00f6z kosu […]<\/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\/29848"}],"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=29848"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29848\/revisions"}],"predecessor-version":[{"id":29849,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29848\/revisions\/29849"}],"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=29848"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29848"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29848"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}