Konut kredisi faiz oranlar\u0131 ge\u00e7en senenin son \u00e7eyre\u011finde h\u0131zla gerileme g\u00f6sterdi. Peki konut kredisi faizleri Ocak ay\u0131nda da d\u00fc\u015fmeye devam eder mi?<\/p>\n
Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ger\u00e7ekle\u015ftirdi\u011fi politika faiz indirimi sonras\u0131nda bankalar\u0131n kredi faiz oranlar\u0131 ge\u00e7ti\u011fimiz y\u0131l\u0131n A\u011fustos ay\u0131ndan itibaren d\u00fc\u015f\u00fc\u015fe ge\u00e7ti. Politika faizlerindeki indirimlerin devam etmesi ile son \u00e7eyrekte h\u0131zlanan indirimler sonras\u0131 konut kredisi faizleri son y\u0131llar\u0131n en d\u00fc\u015f\u00fck seviyesine geriledi.<\/p>\n
\u0130lk olarak kamu bankalar\u0131n\u0131n indirimi ile %1\u2019in alt\u0131na gerileyen konut kredisi faizleri \u00f6zel bankalar\u0131n indirimleri ile beraber geni\u015fledi. G\u00fcncel olarak 12 bankada konut i\u00e7in kampanyal\u0131 kredi faizleri psikolojik seviye olan %1\u2019in alt\u0131na geriledi.<\/p>\n
Ta\u015f\u0131t kredisi, ihtiya\u00e7 kredisi, konut kredisi ve ticari kredi t\u00fcrlerinin hepsinde inen faizler Aral\u0131k ay\u0131 itibariyle yatay seyretmeye ba\u015flad\u0131. Jeopolitik riskler, ABD ile ili\u015fkiler ve Do\u011fu Akdeniz g\u00fcndemi ile y\u00fckselen d\u00f6viz kurlar\u0131 indirimleri yava\u015flatt\u0131. Dolar son haftalarda 6 lira seviyesini test ederken, gram alt\u0131n 300 TL\u2019 nin \u00fcst\u00fcne \u00e7\u0131kt\u0131. BIST 100 endeksi ise 110.000-115.000 seviyelerinde seyrediyor.<\/p>\n
Ge\u00e7ti\u011fimiz y\u0131l k\u00fcresel ko\u015fullar ve baz etkisi ile \u00f6nden y\u00fcklemeli faiz indirimine giden T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), y\u0131l\u0131n son Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131ndaki hamlesi ile beraber 2019\u2019u 1200 baz puan faiz indirimi ile tamamlad\u0131. Ge\u00e7en hafta a\u00e7\u0131klanan verilere g\u00f6re enflasyon y\u0131l\u0131 %12 s\u0131n\u0131r\u0131na yani politika faizine \u00e7ok yak\u0131n bir seviyede tamamlad\u0131.<\/p>\n
G\u00fcncel olarak en d\u00fc\u015f\u00fck kampanyal\u0131 konut kredisi faizi kamu bankalar\u0131n\u0131n uygulad\u0131\u011f\u0131 s\u0131f\u0131r konutlar i\u00e7in ge\u00e7erli olan %0.79 seviyesinde yer al\u0131yor. T\u00fcm konut talepleri i\u00e7in ge\u00e7erli en d\u00fc\u015f\u00fck faiz oran\u0131 ise %0.95 seviyesinde.<\/p>\n
Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019\u0131n s\u0131f\u0131r konutlar i\u00e7in uygulad\u0131\u011f\u0131 %0.79 faizli kredinin y\u0131ll\u0131k maliyet oran\u0131 %10 seviyesinde yer al\u0131yor. Reel faiz ve enflasyon oranlar\u0131n\u0131n %12 band\u0131nda oldu\u011fu d\u00fc\u015f\u00fcn\u00fcl\u00fcrse s\u00f6z konusu oran\u0131n daha d\u00fc\u015fmesi olas\u0131 g\u00f6r\u00fcn\u00fcyor.<\/p>\n
Merkez Bankas\u0131 2020 y\u0131l\u0131n\u0131n ilk Para Politikas\u0131 Toplant\u0131s\u0131 16 Ocak\u2019ta ger\u00e7ekle\u015ftirecek.<\/p>\n
Uzmanlarca TCMB\u2019nin faiz indirim alan\u0131n\u0131n olduk\u00e7a dar oldu\u011fu belirtiliyor. Baz\u0131 uzmanlar enflasyon oran\u0131, riskler ve CDS primleri g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda indirim yap\u0131lmamas\u0131 gerekti\u011fi g\u00f6r\u00fc\u015f\u00fcnde.<\/p>\n
Merkez Bankas\u0131\u2019ndan ilerleyen g\u00fcnlerde indirim gerlse dahi konut kredisi faizlerinde b\u00fcy\u00fck indirimler beklemek m\u00fcmk\u00fcn g\u00f6r\u00fcnm\u00fcyor.<\/p>\n
KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re g\u00fcncel olarak 150.000 TL\u2019lik konut kredisinin 5 y\u0131l vadede en uygun ayl\u0131k taksitleri 3.150 TL oluyor. Kredinin geri \u00f6deme miktar\u0131 ise 188.800 TL\u2019 ye denk geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Konut kredisi faiz oranlar\u0131 ge\u00e7en senenin son \u00e7eyre\u011finde h\u0131zla gerileme g\u00f6sterdi. Peki konut kredisi faizleri Ocak ay\u0131nda da d\u00fc\u015fmeye devam eder mi? Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ger\u00e7ekle\u015ftirdi\u011fi politika faiz indirimi sonras\u0131nda bankalar\u0131n kredi faiz oranlar\u0131 ge\u00e7ti\u011fimiz y\u0131l\u0131n A\u011fustos ay\u0131ndan itibaren d\u00fc\u015f\u00fc\u015fe ge\u00e7ti. Politika faizlerindeki indirimlerin devam etmesi ile son \u00e7eyrekte h\u0131zlanan indirimler sonras\u0131 konut kredisi […]<\/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":[277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31003"}],"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=31003"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31003\/revisions"}],"predecessor-version":[{"id":31004,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31003\/revisions\/31004"}],"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=31003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}