{"id":30850,"date":"2019-12-24T09:44:01","date_gmt":"2019-12-24T06:44:01","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=30850"},"modified":"2019-12-24T09:44:01","modified_gmt":"2019-12-24T06:44:01","slug":"yil-bitmeden-konut-almanin-avantajlari-neler","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=30850","title":{"rendered":"Y\u0131l Bitmeden Konut Alman\u0131n Avantajlar\u0131 Neler?"},"content":{"rendered":"

Y\u0131l sonuna kadar konut al\u0131mlar\u0131nda %10 KDV ve %1 tapu harc\u0131 indirimi uygulan\u0131rken artan maliyetler kar\u015f\u0131s\u0131nda fiyatlar\u0131 y\u00fckselmeyen stoktaki konutlardan faydalanmak h\u0131zl\u0131 olmakta fayda var.<\/p>\n

2019\u2019un ikinci \u00e7eyre\u011fi sonras\u0131nda konutta te\u015fviklerin olduk\u00e7a artt\u0131\u011f\u0131 bir d\u00f6neme girildi. Merkez Bankas\u0131\u2019n\u0131n faiz indirimleri sonras\u0131nda yakla\u015f\u0131k bir senedir olduk\u00e7a y\u00fcksek sevilerde yer alan konut kredisi faiz oranlar\u0131 d\u00fc\u015fmeye ba\u015flad\u0131. Kamu bankalar\u0131n\u0131n piyasay\u0131 te\u015fvik etmek amac\u0131yla konut kredisi faizlerini %0.99\u2019a \u00e7ekmesi ile birikmi\u015f konut talebinde patlama ya\u015fand\u0131. Kas\u0131m ay\u0131na gelindi\u011finde \u00f6zel bankalar\u0131nda faiz indirimine destek vermesi ile kredili konut sat\u0131\u015flar\u0131 %724 artt\u0131.<\/p>\n

Vergi \u0130ndirimlerini Ka\u00e7\u0131rmay\u0131n<\/p>\n

Faiz indirimlerinin olu\u015fturdu\u011fu te\u015fviklerin yan\u0131 s\u0131ra bir destekte devlet taraf\u0131ndan sa\u011fland\u0131. 2019 y\u0131l\u0131 boyunca konut al\u0131mlar\u0131nda KDV oranlar\u0131 %18\u2019den %8\u2019e, tapu har\u00e7lar\u0131 ise %4\u2019ten %3\u2019e d\u00fc\u015f\u00fcr\u00fcld\u00fc. Uygulanan indirimlerle beraber 500.000 TL\u2019lik bir konutun KDV oran\u0131 %18\u2019den %8\u2019e d\u00fc\u015ft\u00fc\u011f\u00fcnde \u00f6denecek tutar 90.000 TL iken indirimle 40.000 TL\u2019ye d\u00fc\u015f\u00fcyor. Ayn\u0131 konut i\u00e7in indirimden \u00f6nce \u00f6denen tapu harc\u0131 20.000 TL iken kampanya ile beraber bu rakam 15.000 TL\u2019ye d\u00fc\u015f\u00fcyor.<\/p>\n

S\u00f6z konusu vergi indirimlerinden yararlanmak i\u00e7in son g\u00fcnlere girildi. Vergi indirimleri y\u0131l sonu itibariyle devreden \u00e7\u0131k\u0131yor. Yeni y\u0131l itibariyle indirimlerden yararlanamayacak t\u00fcketiciler 500.000 TL’ lik konut i\u00e7in 52.500 TL daha fazla vergi \u00f6demesi yapacak.<\/p>\n

Konut Fiyatlar\u0131na Dikkat<\/p>\n

Uzmanlar konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesi ile artan talebin konut fiyatlar\u0131n\u0131 son aylarda ortalama %5 artt\u0131rd\u0131\u011f\u0131n\u0131 belirtiyor. Ayr\u0131ca ge\u00e7en sene kur etkisiyle artan in\u015faat maliyetlerinin yeni konutlarda fiyat art\u0131\u015flar\u0131na neden oldu\u011fu belirtiliyor. Yakla\u015f\u0131k %40\u2019\u0131n\u0131n t\u00fckendi\u011fi tahmin edilen stoktaki konutlar\u0131n bitmesi halinde yeni konutlar\u0131n piyasadaki konut fiyatlar\u0131n\u0131 artt\u0131rmas\u0131na kesin oldu\u011fu belirtiliyor.<\/p>\n

\u0130n\u015faat maliyet endekslerinin en son a\u00e7\u0131klanan iki ayl\u0131k verileri incelendi\u011finde Ekim ay\u0131nda bir \u00f6nceki aya g\u00f6re %0,07, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re %4,27 artt\u0131\u011f\u0131, Eyl\u00fcl ay\u0131nda ise bir \u00f6nceki aya g\u00f6re %0,59 d\u00fc\u015ft\u00fc, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re %4,02 artt\u0131\u011f\u0131 g\u00f6zleniyor.<\/p>\n

REIDIN- Gyoder verilerine g\u00f6re yeni konut fiyat endeksleri Ekim ay\u0131nda bir \u00f6nceki aya g\u00f6re %0.21, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %2.52, Kas\u0131m ay\u0131nda bir \u00f6nceki aya g\u00f6re %0.53, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %2.79 oran\u0131nda art\u0131\u015f g\u00f6sterdi.<\/p>\n

Konut fiyatlar\u0131ndaki art\u0131\u015f devam edece\u011fini belirten sekt\u00f6r uzmanlar\u0131 yakla\u015f\u0131k senenin en d\u00fc\u015f\u00fck seviyesinde yer alan konut kredisi faiz oranlar\u0131ndan yararlanarak konut alman\u0131n karl\u0131 olaca\u011f\u0131 g\u00f6r\u00fc\u015f\u00fcnde.<\/p>\n

Konut Kredisi Faiz Oranlar\u0131<\/p>\n

KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re bankalar\u0131n tabela konut kredisi faiz oranlar\u0131 ortalamas\u0131 %1.31\u2019e d\u00fc\u015ft\u00fc. En d\u00fc\u015f\u00fck kampanyal\u0131 konut kredisi faizi %0.95\u2019e tabela faizi ise %0.98\u2019e geriledi.<\/p>\n

Bankalardan 400.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin 10 y\u0131l vade i\u00e7in ayl\u0131k taksitleri 3.500 TL, masraflar dahil toplam geri \u00f6demesi ise 420.000 TL oluyor.<\/p>\n

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

Y\u0131l sonuna kadar konut al\u0131mlar\u0131nda %10 KDV ve %1 tapu harc\u0131 indirimi uygulan\u0131rken artan maliyetler kar\u015f\u0131s\u0131nda fiyatlar\u0131 y\u00fckselmeyen stoktaki konutlardan faydalanmak h\u0131zl\u0131 olmakta fayda var. 2019\u2019un ikinci \u00e7eyre\u011fi sonras\u0131nda konutta te\u015fviklerin olduk\u00e7a artt\u0131\u011f\u0131 bir d\u00f6neme girildi. Merkez Bankas\u0131\u2019n\u0131n faiz indirimleri sonras\u0131nda yakla\u015f\u0131k bir senedir olduk\u00e7a y\u00fcksek sevilerde yer alan konut kredisi faiz oranlar\u0131 d\u00fc\u015fmeye ba\u015flad\u0131. […]<\/p>\n","protected":false},"author":1,"featured_media":29043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[80,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30850"}],"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=30850"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30850\/revisions"}],"predecessor-version":[{"id":30851,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30850\/revisions\/30851"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29043"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}