Bankalar\u0131n konut kredisi faiz oranlar\u0131 i\u00e7in kritik g\u00fcnler i\u00e7indeyiz. Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131\u2019nda tan\u0131nan 120 saatlik s\u00fcre d\u00fcn gece saatlerinde sonra erdi. Operasyona ara verilmesiyle d\u00fc\u015f\u00fc\u015fe ge\u00e7en dolar tekrar y\u00fckselir mi? Merkez Bankas\u0131 Per\u015fembe g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 politika faizlerinde indirim uygulayacak m\u0131? Kredi faiz oranlar\u0131n\u0131n seyri nas\u0131l olacak?<\/p>\n
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Merkez Bankas\u0131\u2019n\u0131n Temmuz ve a\u011fustos ay\u0131nda politika faizlerinde uygulad\u0131\u011f\u0131 indirimlerle h\u0131zlanan konut kredisi faiz oranlar\u0131ndaki d\u00fc\u015f\u00fc\u015f ivmesi Suriye\u2019ye ba\u015flat\u0131lan operasyonun etkiledi\u011fi dolar kurundaki y\u00fckseli\u015f ve endi\u015felerle baz\u0131 bankalarda y\u00fckseli\u015fe ge\u00e7ti. Harekat\u0131n devam etti\u011fi g\u00fcnlerde Borsa \u0130stanbul ve BITS Bankalar sert \u015fekilde de\u011fer kaybederken dolar kuru y\u00fckselerek 5.90 seviyelerine ula\u015fm\u0131\u015ft\u0131. ABD ile yap\u0131lan anla\u015fma sonras\u0131nda harekata tan\u0131nan 120 saatlik bug\u00fcn ak\u015fam saatlerinde son bulacak. Bug\u00fcn sabah itibariyle dolar kuru 5.85 seviyelerinde.<\/p>\n
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G\u00f6zler kredi faiz oranlar\u0131 i\u00e7in Merkez Bankas\u0131\u2019n\u0131n 24 Ekim Per\u015fembe g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 Para Politikas\u0131 Kurulu karar\u0131na \u00e7evrildi. Eyl\u00fcl ay\u0131nda enflasyon yeniden tek haneye inmesi ile Merkez Bankas\u0131ndan yakla\u015f\u0131k 300 baz puan faiz indirimine kesin g\u00f6z\u00fcyle bak\u0131l\u0131rken dolar\u0131n y\u00fckselmesi ve T\u00fcrk Liras\u0131nda ya\u015fanan de\u011fer kayb\u0131 ile beklentiler azald\u0131. Politika faizleri karar\u0131nda son saatlere kadar piyasan\u0131n durumunun izlenmesi tahmin ediliyor.<\/p>\n
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Merkez Bankas\u0131ndan gelecek faiz indirim karar\u0131 uzmanlar\u0131n g\u00f6r\u00fc\u015flerine g\u00f6re yapt\u0131r\u0131mlar\u0131n sertle\u015fmesi ve T\u00fcrk Liras\u0131ndaki de\u011fer kayb\u0131n\u0131n devam etmesi endi\u015felerini bast\u0131rarak dura\u011fan ya da y\u00fckseli\u015f y\u00f6nl\u00fc seyreden konut kredisi faizlerinde yeni bir indirim ata\u011f\u0131n\u0131 ba\u015flatmas\u0131 bekleniyor.<\/p>\n
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Politika faizlerinde d\u00fc\u015f\u00fck bir beklenti de olsa art\u0131\u015f karar\u0131 gelmesi halinde ise likidite masraflar\u0131 artacak bankalar\u0131n riskler kar\u015f\u0131s\u0131nda h\u0131zla kredi faiz oranlar\u0131n\u0131 art\u0131rmas\u0131 da beklentiler aras\u0131nda bulunuyor.<\/p>\n
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22 Ekim itibariyle bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 %1.47 olarak kar\u015f\u0131ma \u00e7\u0131k\u0131yor. En d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 kamu bankalar\u0131n\u0131n kampanyas\u0131 dahilindeki %0.99 seviyesinde. \u00d6zel bankalardaki en d\u00fc\u015f\u00fck tabela konut kredisi faiz oran\u0131 da %1.11 d\u00fczeyinde. Tek haneye d\u00fc\u015fen enflasyon verilerinin ard\u0131ndan\u00a0 Ekim ay\u0131 i\u00e7inde enflasyon endeksli konut kredisi faiz oranlar\u0131 da %0.96\u2019ya geriledi.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalardan 300.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin 10 y\u0131l vade i\u00e7in en d\u00fc\u015f\u00fck ayl\u0131k taksit miktar\u0131 4.283 TL oluyor. Kredinin vade sonunda toplam geri \u00f6demesi ise 214.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankalar\u0131n konut kredisi faiz oranlar\u0131 i\u00e7in kritik g\u00fcnler i\u00e7indeyiz. Bar\u0131\u015f P\u0131nar\u0131 Harekat\u0131\u2019nda tan\u0131nan 120 saatlik s\u00fcre d\u00fcn gece saatlerinde sonra erdi. Operasyona ara verilmesiyle d\u00fc\u015f\u00fc\u015fe ge\u00e7en dolar tekrar y\u00fckselir mi? Merkez Bankas\u0131 Per\u015fembe g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 politika faizlerinde indirim uygulayacak m\u0131? Kredi faiz oranlar\u0131n\u0131n seyri nas\u0131l olacak? Merkez Bankas\u0131\u2019n\u0131n Temmuz ve a\u011fustos ay\u0131nda politika faizlerinde […]<\/p>\n","protected":false},"author":1,"featured_media":23026,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[3929,13697,277,12922],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29869"}],"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=29869"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29869\/revisions"}],"predecessor-version":[{"id":29871,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/29869\/revisions\/29871"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23026"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=29869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=29869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=29869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}