nkalar\u0131n yakla\u015f\u0131k d\u00f6rt ayd\u0131r kesintisiz devam eden faiz indirimlerinin ard\u0131ndan tabela konut kredisi faiz oranlar\u0131n\u0131n ortalamas\u0131 %1.40\u2019a kadar geriledi.<\/p>\n
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Bankalar\u0131n ayl\u0131k tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 ge\u00e7en senenin ayn\u0131 ay\u0131nda ortalama %2.5 seviyesinde yer al\u0131rken 2019 Kas\u0131m ay\u0131nda 110 baz puan gerileyerek %1.40\u2019a d\u00fc\u015ft\u00fc.<\/p>\n
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Siyasi ve jeopolitik gerginliklerle rekor seviyelere y\u00fckselen dolar kuru kar\u015f\u0131s\u0131nda ge\u00e7en y\u0131l h\u0131zla y\u00fckselen konut kredisi faiz oranlar\u0131nda 2019\u2019un ikinci yar\u0131s\u0131 sonras\u0131nda h\u0131zla d\u00fc\u015f\u00fc\u015f ya\u015fand\u0131. Merkez Bankas\u0131\u2019n\u0131n 2018 Eyl\u00fcl ay\u0131ndan 2019 Temmuz ay\u0131na kadar uygulad\u0131\u011f\u0131 %24 para politikas\u0131 faiz oranlar\u0131n\u0131 son \u00fc\u00e7 toplant\u0131da 1.000 puan indirerek %14\u2019e \u00e7ekmesi ile kredi faiz oranlar\u0131 sert d\u00fc\u015f\u00fc\u015f g\u00f6sterdi.<\/p>\n
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Merkez Bankas\u0131\u2019n\u0131n indirimlere ba\u015flad\u0131\u011f\u0131 Temmuz ay\u0131nda %2.05 seviyesinde yer alan tabela konut kredisi faiz oranlar\u0131 g\u00fcncel olarak son d\u00f6rt ayda 65 baz puan geriledi. Kredi maliyetleri azalan ve rekabete h\u0131z veren bankalar\u0131n konut kredisi faiz oranlar\u0131 h\u0131zla d\u00fc\u015fmeye devam ediyor.<\/p>\n
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Konutta Ertelenen Talep A\u00e7\u0131\u011fa \u00c7\u0131kt\u0131<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re kredi faizlerinin d\u00fc\u015fmesi ile konut talebinde ertelenen talepte a\u00e7\u0131\u011fa \u00e7\u0131kt\u0131. \u0130lk olarak sert d\u00fc\u015f\u00fc\u015f\u00fcn ya\u015fan\u0131larak konut kredisi faizlerinin psikolojik seviye olan %1\u2019in alt\u0131na indi\u011fi A\u011fustos ay\u0131nda kredili konut sat\u0131\u015flar\u0131n\u0131n pay\u0131 bir \u00f6nceki aya oranla 2,5 kat artarak toplam sat\u0131\u015flar i\u00e7inde %30\u2019a ula\u015ft\u0131. S\u00f6z konusu oran Eyl\u00fcl ve Ekim ay\u0131nda artarak\u00a0 %35\u2019in \u00fczerinde yer ald\u0131.<\/p>\n
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Konut Fiyatlar\u0131 Art\u0131yor<\/p>\n
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Faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fcp talebin artmas\u0131 ile ge\u00e7ti\u011fimiz aylarda dip seviyelerde yer alan konut fiyatlar\u0131 artmaya ba\u015flad\u0131. \u0130kinci el konutta yo\u011fun talebin g\u00f6r\u00fclmesi ile artan fiyatlar hen\u00fcz ciddi fiyat art\u0131\u015f\u0131n\u0131n ya\u015fanmad\u0131\u011f\u0131 s\u0131f\u0131r konutlara da gelecek.<\/p>\n
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T\u00fcrkiye \u0130statistik Kurumu\u2019nun yap\u0131 izin istatistikleri verilerine g\u00f6re 2019\u2019un Ocak-Eyl\u00fcl d\u00f6neminde yeni bina izinleri bir \u00f6nceki y\u0131la g\u00f6re %57,1 geriledi. Ge\u00e7ti\u011fimiz seneden itibaren in\u015faat malzemelerindeki maliyet art\u0131\u015flar\u0131n\u0131n da hesaba kat\u0131lmas\u0131 halinde konut fiyatlar\u0131n\u0131n artmaya devam edece\u011fini net olarak g\u00f6zleniyor.<\/p>\n
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Konut Kredisi Faizlerinde Son Durum<\/p>\n
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Tabela konut kredisi faizleri g\u00fcncel olarak en y\u00fcksek %2.58, en d\u00fc\u015f\u00fck ise %0.98 olarak uygulan\u0131yor. Kampanyal\u0131 en d\u00fc\u015f\u00fck kredi faiz oran\u0131 %0.95 olurken yedi bankan\u0131n kampanyal\u0131 faiz oranlar\u0131 %1\u2019in alt\u0131nda yer al\u0131yor.<\/p>\n
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Konut Kredisi Hesaplama<\/p>\n
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Bankalardan 10 y\u0131l vade i\u00e7in 240.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin en d\u00fc\u015f\u00fck ayl\u0131k taksitleri 3.400 TL oluyor. Kredinin masraflar dahil toplam geri \u00f6demesi ise 409.000 TL\u2019 ye denk geliyor.<\/p>\n
—<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"
nkalar\u0131n yakla\u015f\u0131k d\u00f6rt ayd\u0131r kesintisiz devam eden faiz indirimlerinin ard\u0131ndan tabela konut kredisi faiz oranlar\u0131n\u0131n ortalamas\u0131 %1.40\u2019a kadar geriledi. Bankalar\u0131n ayl\u0131k tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 ge\u00e7en senenin ayn\u0131 ay\u0131nda ortalama %2.5 seviyesinde yer al\u0131rken 2019 Kas\u0131m ay\u0131nda 110 baz puan gerileyerek %1.40\u2019a d\u00fc\u015ft\u00fc. Siyasi ve jeopolitik gerginliklerle rekor seviyelere y\u00fckselen dolar […]<\/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":[277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30278"}],"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=30278"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30278\/revisions"}],"predecessor-version":[{"id":30279,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30278\/revisions\/30279"}],"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=30278"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30278"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30278"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}