{"id":30219,"date":"2019-11-17T11:58:35","date_gmt":"2019-11-17T08:58:35","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=30219"},"modified":"2019-11-17T13:15:56","modified_gmt":"2019-11-17T10:15:56","slug":"30219","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=30219","title":{"rendered":"\u00d6zel bankalarda konut kredi faizleri y\u00fczde 1’in alt\u0131na indi"},"content":{"rendered":"

Faiz indiren kamu bankalar\u0131n\u0131n soras\u0131nda \u00f6zel bankalar da elini ta\u015f\u0131n alt\u0131na koydu. Faiz ve k\u00e2r pay\u0131 oran\u0131 1\u2019in alt\u0131na indirilirken, sat\u0131\u015flardaki art\u0131\u015f\u0131n h\u0131zlanmas\u0131 bekleniyor…<\/b><\/p>\n

Merkez Bankas\u0131’n\u0131n faiz indirimleri sonras\u0131nda kamu bankalar\u0131n\u0131n da faiz oranlar\u0131nda indirim yapmas\u0131 ile bir faiz indirimi ivmesi yakaland\u0131. Ard\u0131ndan \u00d6zel bankalar\u0131nda faiz indirimi yapmaya ba\u015flamas\u0131yla konut kredisi faiz oranlar\u0131nda faiz oranlar\u0131 y\u00fczde 1’in alt\u0131na inmeye ba\u015flad\u0131.<\/p>\n

T\u00fcrkiye Cumhuriyeti Merkez Bankas\u0131’n\u0131n 25 Temmuz 2019’da ba\u015flatt\u0131\u011f\u0131 ve toplamda \u00fc\u00e7 defada yap\u0131lan 10 puanl\u0131k faiz indirimi sonras\u0131nda kamu bankalar\u0131n\u0131n konutta \u00f6nc\u00fcl\u00fc\u011f\u00fcn\u00fc yapt\u0131\u011f\u0131 kampanyaya \u00f6zel bankalar da kat\u0131ld\u0131. Kamu bankalar\u0131n\u0131n da konut kredisinde faiz oran\u0131n\u0131 y\u00fczde 1’in alt\u0131na \u00e7ekmesinin ard\u0131nda 28 Haziran 2019’da konut kredisi ortalamas\u0131 y\u0131ll\u0131k faizi y\u00fczde 22.23 idi, 8 Kas\u0131m 2019’ine gelindi\u011finde ise y\u00fczde 13.01’lere gerilemi\u015f durumda \u015fu an.<\/p>\n

\u00d6zel bankalar y\u00fczde 1’in alt\u0131na d\u00fc\u015f\u00fcrd\u00fc<\/h2>\n

Merkez Bankas\u0131 Ba\u015fkan\u0131 Murat Uysal 31 Ekim 2019’da “\u00d6nc\u00fc kamu bankalar\u0131 olmakla beraber \u00f6zel bankalar da son zamanda rekabet\u00e7i olmaya ba\u015flad\u0131lar” \u015feklinde a\u00e7\u0131klama yapm\u0131\u015ft\u0131. A\u00e7\u0131klama sonras\u0131nda bankalar\u0131n faiz oran rakamlar\u0131nda da de\u011fi\u015fiklikler olmaya ba\u015flad\u0131.<\/p>\n

Hem \u00fcretici in\u015faat firmalar\u0131 hem de konut almak isteyen vatanda\u015flar \u00f6zel bankalar\u0131nda faiz oranlar\u0131n\u0131 y\u00fczde 1’in alt\u0131na \u00e7ekmesini talep ediyordu. \u00d6zel bankalar da bu taleplere kar\u015f\u0131l\u0131k vererek faiz oranlar\u0131nda indirime gittiler.<\/p>\n

ING Bank T\u00fcrkiye faiz oran\u0131n\u0131 y\u00fczde 0.98’e \u00e7ekti. Sonras\u0131nda da, TEB’den bir indirim geldi. TEB konut kredisi faiz oran\u0131n\u0131 y\u00fczde 0.99 yapt\u0131. T\u00fcrkiye Finans Kat\u0131l\u0131m Bankas\u0131 k\u00e2r oran\u0131n\u0131 y\u00fczde 0.99 \u00e7ekerken, Kuveyt T\u00fcrk’de y\u00fczde 0.98 yapt\u0131.<\/p>\n

30 bin Lira cepte kalacak<\/h2>\n

Son zamanlarda gelinen son fai oranlar\u0131 ile y\u00fczde 0.98 faiz oran\u0131 \u00fczerinde 300 bin TL konut kredisi kullanan bir vatanda\u015f\u0131m\u0131z, toplamda 511 bin TL \u00f6deme yapacak. Kredinin ayl\u0131k taksit \u00f6demesi ise 4 bin 262 TL oluyor. Faiz indirimleri gelmeden \u00f6nce uygulanan faiz oranlar\u0131yla kredi alan (ortalama y\u00fczde 1.1’di) 300 bin TL kredi ald\u0131\u011f\u0131nda toplam yap\u0131lan \u00f6deme 541 bin TL, ayl\u0131k taksit \u00f6demesi ise 4 bin 514 lira oluyordu.<\/p>\n

\u015eu an bankalar\u0131n faiz oranlar\u0131 nedir?<\/h2>\n

15 kas\u0131m 2019<\/strong>\u00a0tarihi itibar\u0131yla en uygun ko\u015fulda konut kredisi veren ilk 10 bankadan \u00f6rnek olarak 100.000 liral\u0131k konut kredisi kullanan birinin masraflar dahil olacak \u015fekilde geri \u00f6demesi \u015f\u00f6yle oldu:<\/p>\n

60 ay vadeyle \u00f6demeye g\u00f6re:<\/strong><\/h3>\n
    \n
  • ING T\u00fcrkiye<\/strong>; faiz oran\u0131, 0.98, taksitler 2.212 TL, toplam \u00f6denen 134.247 TL<\/li>\n
  • KuveytT\u00fcrk<\/strong>; finansman oran\u0131 0.98, taksitler 2.212 TL, toplam \u00f6denen 134.255 TL<\/li>\n
  • T\u00fcrkiye Finans<\/strong>; faiz oran\u0131 0.99, taksitler 2.218 TL, toplam \u00f6denen 134.364 TL<\/li>\n
  • Vak\u0131f Kat\u0131l\u0131m<\/strong>; finansman oran\u0131 0.99, taksitler 2.218 TL, toplam \u00f6denen 134.403 TL<\/li>\n
  • Ziraat Kat\u0131l\u0131m<\/strong>; finansman oran\u0131 0.99, taksitler 2.218 TL, toplam \u00f6denen 134.471 TL<\/li>\n
  • Ziraat Bankas\u0131<\/strong>; faiz oran\u0131 0.99, taksitler 2.218 TL, toplam toplam \u00f6denen 134.506 TL<\/li>\n
  • Halkbank<\/strong>; faiz oran\u0131 0.99, taksitler 2.218 TL, toplam \u00f6denen tutar 134.559 TL<\/li>\n
  • TEB<\/strong>; faiz oran\u0131 0.99, taksitler 2.218 TL, toplam \u00f6denen tutar 134.562 TL<\/li>\n
  • Vak\u0131fbank<\/strong>; faiz oran\u0131 0.99, taksitler 2.218 TL, toplam \u00f6denen tutar 134.907 TL<\/li>\n
  • AlBaraka<\/strong>; finansman oran\u0131 1.02, taksitler 2.237 TL, toplam \u00f6denen 135.953 TL<\/li>\n<\/ul>\n

    120 ay vadeyle \u00f6demeye g\u00f6re:<\/strong><\/h3>\n
      \n
    • ING T\u00fcrkiye<\/strong>; faiz oran\u0131, 0.98, taksitler 1.421 TL, toplam \u00f6denen 172.011 TL<\/li>\n
    • KuveytT\u00fcrk<\/strong>;\u00a0 finansman oran\u0131 0.98, taksitler 1.421 TL, toplam \u00f6denen 172.019 TL<\/li>\n
    • T\u00fcrkiye Finans<\/strong>;\u00a0 faiz oran\u0131 0.99, taksitler 1.428 TL, toplam \u00f6denen 172.595 TL<\/li>\n
    • Vak\u0131f Kat\u0131l\u0131m<\/strong>; finansman oran\u0131 0.99, taksitler 1.428 TL, toplam \u00f6denen 172.604 TL<\/li>\n
    • Ziraat Kat\u0131l\u0131m<\/strong>; finansman oran\u0131 0.99, taksitler 1.428 TL, toplam\u00f6denen 172.702 TL<\/li>\n
    • Ziraat Bankas\u0131<\/strong>; faiz oran\u0131 0.99, taksitler 1.428 TL, toplam \u00f6denen 172.737 TL<\/li>\n
    • Halkbank<\/strong>; faiz oran\u0131 0.99, taksitler 1.428 TL, toplam \u00f6denen tutar 172.790 TL<\/li>\n
    • TEB<\/strong>; faiz oran\u0131 0.99, taksitler 1.428 TL, toplam \u00f6denen tutar 172.793 TL<\/li>\n
    • Vak\u0131fbank<\/strong>;\u00a0 faiz oran\u0131 0.99, taksitler 1.428 TL, toplam \u00f6denen tutar 173.138 TL<\/li>\n
    • AlBaraka<\/strong>; finansman oran\u0131 1.07, taksitler 1.484 TL, toplam \u00f6denen 179.799 TL<\/li>\n<\/ul>\n
      \n
      <\/div>\n<\/div>\n

       <\/p>\n

       <\/p>\n

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

      Faiz indiren kamu bankalar\u0131n\u0131n soras\u0131nda \u00f6zel bankalar da elini ta\u015f\u0131n alt\u0131na koydu. Faiz ve k\u00e2r pay\u0131 oran\u0131 1\u2019in alt\u0131na indirilirken, sat\u0131\u015flardaki art\u0131\u015f\u0131n h\u0131zlanmas\u0131 bekleniyor… Merkez Bankas\u0131’n\u0131n faiz indirimleri sonras\u0131nda kamu bankalar\u0131n\u0131n da faiz oranlar\u0131nda indirim yapmas\u0131 ile bir faiz indirimi ivmesi yakaland\u0131. Ard\u0131ndan \u00d6zel bankalar\u0131nda faiz indirimi yapmaya ba\u015flamas\u0131yla konut kredisi faiz oranlar\u0131nda faiz oranlar\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":30100,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[13978,11107,954,953],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30219"}],"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=30219"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30219\/revisions"}],"predecessor-version":[{"id":30224,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30219\/revisions\/30224"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/30100"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30219"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30219"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30219"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}