Y\u0131l\u0131n son i\u015flem g\u00fcn\u00fcnde bankalar\u0131n konut kredisi faiz oranlar\u0131 ne kadar oldu. Konut kredisi faizleri %0.79\u2019a d\u00fc\u015ft\u00fc m\u00fc? En uygun konut kredisi oran\u0131 ne kadar?<\/p>\n
Bankalar\u0131n konut kredisi faizleri y\u0131l\u0131n ikinci yar\u0131s\u0131ndan sonra h\u0131zla d\u00fc\u015fmeye ba\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ba\u015flad\u0131\u011f\u0131 para politikas\u0131 faiz indirimleri ile d\u00fc\u015f\u00fc\u015f\u00fcne h\u0131z katan konut kredisi faizleri y\u0131l i\u00e7inde toplamda 101 puan geriledi.<\/p>\n
Bankalar\u0131n konut i\u00e7in uygulad\u0131klar\u0131 kredi faiz oran\u0131 ortalamas\u0131 2019 ba\u015f\u0131nda %2.32 seviyesinde yer al\u0131rken y\u0131l\u0131n son g\u00fcn\u00fc itibariyle %1.31\u2019e geriledi. 2019 y\u0131l\u0131nda en uygun kampanyal\u0131 konut kredisi faizi de %0.95 seviyesine indi.<\/p>\n
Kredi faizlerinde ya\u015fanan d\u00fc\u015f\u00fc\u015f konutta biriken talebi a\u00e7\u0131\u011fa \u00e7\u0131kard\u0131. \u00d6zellikle A\u011fustos ay\u0131 sonras\u0131nda psikolojik seviye olan %1\u2019in alt\u0131na inen faiz oranlar\u0131 sonras\u0131nda konutta beklemede olan talep a\u00e7\u0131\u011fa \u00e7\u0131kt\u0131.<\/p>\n
\u00d6zel bankalar\u0131nda konut kredisi faizlerini %1\u2019in alt\u0131na \u00e7ekti\u011fi Kas\u0131m ay\u0131nda y\u0131l\u0131n en y\u00fcksek konut sat\u0131\u015f verisine eri\u015fildi. 2019 y\u0131l\u0131 Kas\u0131m ay\u0131nda konut sat\u0131\u015flar\u0131na bakt\u0131\u011f\u0131m\u0131zda 138.372 adet konutun sat\u0131lm\u0131\u015f oldu\u011funu g\u00f6r\u00fcyoruz. 2018 y\u0131l\u0131n\u0131n Kas\u0131m ay\u0131nda ger\u00e7ekle\u015fen 89.626 dolay\u0131ndaki sat\u0131\u015fa k\u0131yasla yakla\u015f\u0131k %54,4 oran\u0131nda art\u0131\u015f ya\u015fand\u0131. S\u00f6z konusu d\u00f6nemde\u00a0 kredili konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %725 oran\u0131nda artarak 43.911 adede y\u00fckseldi. Kas\u0131m ay\u0131nda, toplam konut sat\u0131\u015flar\u0131 i\u00e7inde kredili sat\u0131\u015flar\u0131n pay\u0131 %31,7 olarak ger\u00e7ekle\u015fti.<\/p>\n
KrediPazari.com\u2019un T\u00fcrkiye \u0130statistik Kurumu\u2019ndan (T\u00dc\u0130K) derledi\u011fi verilere g\u00f6re y\u0131l\u0131n ilk 11 ay\u0131nda yurt genelinde toplam 436.202 s\u0131f\u0131r konut sat\u0131\u015f\u0131 ger\u00e7ekle\u015fti. S\u0131f\u0131r konut sat\u0131\u015flar\u0131n\u0131n toplam sat\u0131\u015flar i\u00e7indeki pay\u0131 ise %38 oldu. \u0130lk 11 ayda ikinci el konut sat\u0131\u015flar\u0131 ise 710.453 oldu. \u0130kinci el konutlar\u0131n toplam sat\u0131\u015flar i\u00e7indeki pay\u0131 ise %61 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n
Konut kredisi faizlerinin d\u00fc\u015fmesi ile t\u00fcketicinin tercihi yo\u011fun olarak ikinci elden yana oldu. 2019 i\u00e7inde neredeyse \u00fc\u00e7 konut sat\u0131\u015f\u0131ndan ikisi ikinci el olarak ger\u00e7ekle\u015fti. Son y\u0131llarda biriken s\u0131f\u0131r konut stokunun erime h\u0131z\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131 sebebi ile yeni y\u0131lda kamu bankalar\u0131 \u00fczerinden te\u015fvik edici bir hamle daha geldi.<\/p>\n
Ziraat Bankas\u0131, Vak\u0131fBank ve HalkBank 1 Ocak itibariyle sadece s\u0131f\u0131r konut al\u0131mlar\u0131nda ge\u00e7erli olarak faiz oranlar\u0131n\u0131 %0.79\u2019a d\u00fc\u015f\u00fcrecek. Kamu bankalar\u0131n\u0131n ikinci el i\u00e7in ise konut kredisi faiz oranlar\u0131 %0.99 seviyesinde kalacak.<\/p>\n
Kamu bankalar\u0131n\u0131n yeni y\u0131l kampanyas\u0131 gayrimenkul sekt\u00f6r\u00fc temsilcileri taraf\u0131ndan olduk\u00e7a olumlu kar\u015f\u0131land\u0131. Sekt\u00f6r uzmanlar\u0131 s\u0131f\u0131r konuta talebin az olmas\u0131 nedeni ile d\u00fc\u015f\u00fck olan fiyatlar\u0131n faiz indiriminden sonra y\u00fckselece\u011fi uyar\u0131s\u0131nda bulunarak h\u0131zl\u0131 olunmas\u0131 \u00e7a\u011fr\u0131s\u0131nda bulundu.<\/p>\n
Kamu bankalar\u0131n\u0131n s\u0131f\u0131r konut i\u00e7in sundu\u011fu %0.79 faiz oran\u0131 ile 300.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin ayl\u0131k \u00f6demeleri yakla\u015f\u0131k 4.300 TL oluyor. Vade sonunda toplam faiz ve anapara \u00f6demesi ise 514.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Y\u0131l\u0131n son i\u015flem g\u00fcn\u00fcnde bankalar\u0131n konut kredisi faiz oranlar\u0131 ne kadar oldu. Konut kredisi faizleri %0.79\u2019a d\u00fc\u015ft\u00fc m\u00fc? En uygun konut kredisi oran\u0131 ne kadar? Bankalar\u0131n konut kredisi faizleri y\u0131l\u0131n ikinci yar\u0131s\u0131ndan sonra h\u0131zla d\u00fc\u015fmeye ba\u015flad\u0131. Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ba\u015flad\u0131\u011f\u0131 para politikas\u0131 faiz indirimleri ile d\u00fc\u015f\u00fc\u015f\u00fcne h\u0131z katan konut kredisi faizleri y\u0131l i\u00e7inde toplamda […]<\/p>\n","protected":false},"author":1,"featured_media":23281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30946"}],"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=30946"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30946\/revisions"}],"predecessor-version":[{"id":30947,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/30946\/revisions\/30947"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23281"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}