Bankalar\u0131n konut kredisi faiz indirimleri durma noktas\u0131na geldi. Merkez Bankas\u0131\u2019n\u0131n faiz indirimine ra\u011fmen artan kur tedirginli\u011fiyle bankalar\u0131n kredi faiz oranlar\u0131 sabit seyrediyor.<\/p>\n
Bankalar\u0131n konut kredisi faiz oranlar\u0131 Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ba\u015flad\u0131\u011f\u0131 politika faiz indiriminden itibaren h\u0131zla d\u00fc\u015fmeye ba\u015flam\u0131\u015ft\u0131r. A\u011fustos ba\u015f\u0131ndan bu yana d\u00f6rt bu\u00e7uk ayl\u0131k s\u00fcre\u00e7te toplam 53 puan d\u00fc\u015fen tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131nda son 10 g\u00fcnd\u00fcr de\u011fi\u015fiklik ya\u015fanm\u0131yor.<\/p>\n
Kamu bankalar\u0131n\u0131n ortak \u00fcr\u00fcn\u00fc ile A\u011fustos ba\u015f\u0131nda %1\u2019in alt\u0131na \u00e7ekilen konut kredisi faiz oranlar\u0131 Kas\u0131m ay\u0131nda \u00f6zel bankalar\u0131nda indirim ata\u011f\u0131 sonras\u0131nda h\u0131zla geriledi. G\u00fcncel olarak 12 bankan\u0131n tabela ve kampanyal\u0131 konut kredisi faizleri %1\u2019in alt\u0131nda yer al\u0131yor.<\/p>\n
Fakat Kas\u0131m ay\u0131nda h\u0131zla d\u00fc\u015fen konut kredisi faiz oranlar\u0131 yava\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n faiz indirimi ile d\u00fc\u015f\u00fc\u015f\u00fcne devam etmesi beklenen kredi faiz oranlar\u0131 kur engeline tak\u0131ld\u0131.<\/p>\n
ABD ile ya\u015fanan gerilimler ve yapt\u0131r\u0131m riski kar\u015f\u0131s\u0131nda dolar sal\u0131 g\u00fcn\u00fc 5.88 ile son iki ay\u0131n en y\u00fcksek seviyesine \u00e7\u0131karken d\u00fcn 5.91\u2019e kadar y\u00fckseldi. Uzmanlar 5.93 direncinin k\u0131r\u0131lmas\u0131 halinde dolardaki y\u00fckseli\u015fin daha fazla olabilece\u011fi g\u00f6r\u00fc\u015f\u00fcnde.<\/p>\n
Uzmanlar Merkez Bankas\u0131\u2019n\u0131n faiz indirimlerinin ard\u0131ndan TL’nin sundu\u011fu reel faizin benzer geli\u015fmekte olan \u00fclke para birimlerinin gerisinde kalmas\u0131 nedeniyle reel faiz kalkan\u0131n\u0131n a\u015f\u0131nd\u0131\u011f\u0131 bir ortamda g\u00fcndeme gelen ABD’nin yapt\u0131r\u0131m konusunun TL varl\u0131klar\u0131 olumsuz etkiledi\u011fine dikkat \u00e7ekiyor.<\/p>\n
Haftal\u0131k repo faizlerinin 200 baz puan d\u00fc\u015fmesine ra\u011fmen bankalar dolar kuru riskine kar\u015f\u0131 kredi faiz oranlar\u0131n\u0131 sabit tutuyor. 9 Aral\u0131k sonras\u0131nda, 12 Aral\u0131k\u2019ta Merkez Bankas\u0131\u2019ndan faiz indirim haberi gelmesine ra\u011fmen sadece bir banka konut kredisi faiz indirimi yapt\u0131\u011f\u0131n\u0131 duyurdu.<\/p>\n
KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re ABD ile ya\u015fanan gerilimlerin azalmas\u0131 ve kurun yeniden dengelenmesi ile kredi faizlerinde d\u00fc\u015f\u00fc\u015fn devam etmesi beklenyor. En b\u00fcy\u00fck beklenti kamu bankalar\u0131na y\u00f6nelmi\u015f durumda. A\u011fustos ay\u0131nda faiz oranlar\u0131 %1\u2019in alt\u0131na \u00e7eken Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank yakla\u015f\u0131k be\u015f ayl\u0131k s\u00fcre zarf\u0131nda di\u011fer bankalar\u0131n indirimleri \u00f6zel bankalar\u0131n faizlerde \u00f6n\u00fcne ge\u00e7mesine ra\u011fmen indirim uygulamad\u0131.<\/p>\n
G\u00fcncel olarak uygulanan en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 TOK\u0130\u2019nin 100.000 sosyal konut projesi i\u00e7in ge\u00e7erli olan %0.49 seviyesinde yer al\u0131yor.\u00a0 T\u00fcm konut talepleri i\u00e7in kullan\u0131labilecek en uygun faiz oran\u0131 ise %0.95 d\u00fczeyinde.<\/p>\n
<\/p>\n
275.000 TL tutarda kredi i\u00e7in 10 y\u0131l vadede konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda masraflar hari\u00e7 en d\u00fc\u015f\u00fck toplam geri \u00f6deme miktar\u0131 462.000 TL oluyor. Kredinin ayl\u0131k taksitleri ise 3.850 TL\u2019 ye denk geliyor.<\/p>\n
Bankalar\u0131n konut kredisi faiz indirimleri durma noktas\u0131na geldi. Merkez Bankas\u0131\u2019n\u0131n faiz indirimine ra\u011fmen artan kur tedirginli\u011fiyle bankalar\u0131n kredi faiz oranlar\u0131 sabit seyrediyor. Bankalar\u0131n konut kredisi faiz oranlar\u0131 Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ba\u015flad\u0131\u011f\u0131 politika faiz indiriminden itibaren h\u0131zla d\u00fc\u015fmeye ba\u015flam\u0131\u015ft\u0131r. A\u011fustos ba\u015f\u0131ndan bu yana d\u00f6rt bu\u00e7uk ayl\u0131k s\u00fcre\u00e7te toplam 53 puan d\u00fc\u015fen tabela konut kredisi faiz […]<\/p>\n","protected":false},"author":1,"featured_media":29019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[5072,14097,80,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30805"}],"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=30805"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30805\/revisions"}],"predecessor-version":[{"id":30806,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30805\/revisions\/30806"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29019"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}