{"id":30149,"date":"2019-11-12T09:45:06","date_gmt":"2019-11-12T06:45:06","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=30149"},"modified":"2019-11-12T09:45:06","modified_gmt":"2019-11-12T06:45:06","slug":"3-ayda-en-uygun-konut-kredisi-faiz-orani-degisti","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=30149","title":{"rendered":"3 ayda en uygun konut kredisi faiz oran\u0131 de\u011fi\u015fti"},"content":{"rendered":"

3 ayda en uygun konut kredisi faiz oran\u0131 de\u011fi\u015fti. Kamu bankalar\u0131 Kas\u0131m ay\u0131n\u0131n ikinci haftas\u0131 itibariyle en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131n\u0131 sunma \u00f6zelli\u011fini yitirdi.<\/p>\n

Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda Para Politikas\u0131 Faizlerinde indirime gitmesinin hemen ard\u0131ndan A\u011fustos ba\u015f\u0131ndan itibaren ge\u00e7erli olarak Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank konut kredisi faiz oranlar\u0131n\u0131 %1\u2019in alt\u0131na \u00e7ekti. Kamu bankalar\u0131 11 Kas\u0131ma kadar ge\u00e7en yakla\u015f\u0131k 3,5 ayl\u0131k s\u00fcre\u00e7te bankalar aras\u0131ndaki en d\u00fc\u015f\u00fck konut kredisi faiz oranlar\u0131n\u0131 sundu.<\/p>\n

Merkez Bankas\u0131\u2019n\u0131n A\u011fustos ve Ekim aylar\u0131nda devam eden politika faiz indirimleri sonras\u0131nda \u00f6zel bankalardan faiz indirimleri devam etse de kamu bankalar\u0131 konut kredisi faizlerinde de\u011fi\u015fiklik uygulamad\u0131. Kas\u0131m ay\u0131n\u0131n ikinci haftas\u0131 itibariyle ise Kuveyt T\u00fcrk Bankas\u0131\u2019n\u0131n kar pay\u0131 indirimi ile en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 de\u011fi\u015fti.<\/p>\n

Bankalar\u0131n konut kredisi faiz oranlar\u0131 ortalamas\u0131n\u0131n %1.41\u2019e geriledi\u011fi hafta ba\u015f\u0131 itibariyle en uygun konut kredisi faiz oran\u0131 Kuveyt T\u00fcrk Bankas\u0131’n\u0131n kulland\u0131rd\u0131\u011f\u0131 %0.98 kar pay\u0131 oran\u0131na kadar geriledi. Banka ayr\u0131ca Kredili Hayat, BES ve 3 adet otomatik \u00f6demeli fatura kullan\u0131ld\u0131\u011f\u0131nda konut finansman\u0131 oranlar\u0131n\u0131 %0.95\u2019e d\u00fc\u015f\u00fcr\u00fcyor.<\/p>\n

En uygun konut kredi faizi hesaplama<\/h2>\n

KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en uygun konut kredisi faiz oran\u0131 olan %0.95 \u00fczerinden 250.000 TL tutarda 10 y\u0131l vadeli konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin ayl\u0131k taksitleri 3.500 TL olurken vade sonunda masraflar dahil \u00f6denecek toplam tutar 420.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n

Faizlerdeki indirimlerin sat\u0131\u015f rakamlar\u0131n\u0131 artt\u0131rmas\u0131 bekleniyor<\/h2>\n

A\u011fustos itibariyle sert d\u00fc\u015f\u00fc\u015f sergileyen konut kredisi faizleri sonras\u0131nda kredi kullan\u0131larak yap\u0131lan konut sat\u0131\u015flar\u0131 A\u011fustos ay\u0131nda %168 artm\u0131\u015ft\u0131. Faiz indirimlerinin devam etti\u011fi Eyl\u00fcl ay\u0131nda ise kredili konut sat\u0131\u015flar\u0131 %410 oran\u0131nda artt\u0131. S\u00f6z konusu sat\u0131\u015flar\u0131n y\u0131l\u0131n son aylar\u0131nda daha da artarak b\u00fcy\u00fcmesi bekleniyor.<\/p>\n

Faizlerdeki indirim otomotiv sekt\u00f6r\u00fcne de canland\u0131rd\u0131<\/h2>\n

Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019\u0131n ba\u015flatt\u0131\u011f\u0131 yerli \u00fcretim otomotivlerin sat\u0131\u015f\u0131nda ta\u015f\u0131t kredisi faiz oranlar\u0131n\u0131 %0.49\u2019a d\u00fc\u015f\u00fcren kampanyaya Ziraat Kat\u0131l\u0131m ve Vak\u0131f Kat\u0131l\u0131m ve Emlak Kat\u0131l\u0131m bankalar\u0131ndan da destek geldi. \u00d6zel Bankalar\u0131n da ciddi indirimler g\u00f6sterdi\u011fi ta\u015f\u0131t kredisi faizlerinin d\u00fc\u015fmesi ile otomotiv sekt\u00f6r\u00fcnde de sat\u0131\u015flar %127 artt\u0131. Ekim ay\u0131nda otomotiv ve hafif ticari ara\u00e7 sat\u0131\u015flar\u0131 %127.5 art\u0131\u015fla 49.075 adede \u00e7\u0131kt\u0131.<\/p>\n

Ticari kredi faiz oranlar\u0131 da d\u00fc\u015ft\u00fc<\/p>\n

Ticari kredi faiz oranlar\u0131 da sert \u015fekilde d\u00fc\u015fmeye devam ediyor. T\u00fcrk Eximbank’\u0131n T\u00fcrk liras\u0131 kredi faizlerinin ard\u0131ndan d\u00f6viz kredilerinde de d\u00fcn itibar\u0131yla 90 baz puana varan indirime gitti.<\/p>\n

Ticaret Bakan\u0131 Pekcan a\u00e7\u0131klamas\u0131nda “T\u00fcrk Eximbank, T\u00fcrk liras\u0131 kredi faizlerinin ard\u0131ndan d\u00f6viz kredilerinde de bug\u00fcn itibar\u0131yla 90 baz puana varan indirime gitti ve de\u011fi\u015fken faiz uygulamas\u0131n\u0131n yan\u0131 s\u0131ra sabit faiz imkan\u0131 sa\u011flad\u0131. Yeni d\u00fczenlemeyle k\u0131sa vadeli d\u00f6viz kredilerinde 60-75 baz puan (reeskont kredisi hari\u00e7), ihracat\u00e7\u0131lara kulland\u0131r\u0131lacak i\u015fletme sermayesi ve yat\u0131r\u0131m kredilerinde ise 50-90 baz puan aral\u0131\u011f\u0131nda faiz indirimi yap\u0131ld\u0131. \u00d6rne\u011fin 540 g\u00fcn 3 taksitli KOB\u0130 \u0130hracata Haz\u0131rl\u0131k D\u00f6viz Kredisi’nde oranlar libor\/euribor+3’ten, libor\/euribor+2,40’a d\u00fc\u015f\u00fcr\u00fcld\u00fc.” de\u011ferlendirmesinde bulundu.<\/p>\n

\n
<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

3 ayda en uygun konut kredisi faiz oran\u0131 de\u011fi\u015fti. Kamu bankalar\u0131 Kas\u0131m ay\u0131n\u0131n ikinci haftas\u0131 itibariyle en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131n\u0131 sunma \u00f6zelli\u011fini yitirdi. Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda Para Politikas\u0131 Faizlerinde indirime gitmesinin hemen ard\u0131ndan A\u011fustos ba\u015f\u0131ndan itibaren ge\u00e7erli olarak Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank konut kredisi faiz oranlar\u0131n\u0131 %1\u2019in alt\u0131na \u00e7ekti. Kamu bankalar\u0131 […]<\/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":[13954,2090,13955],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30149"}],"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=30149"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30149\/revisions"}],"predecessor-version":[{"id":30150,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30149\/revisions\/30150"}],"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=30149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}