ABD ile \u00c7in aras\u0131ndaki ticaret gerilimi devam ederken ABD\u2019nin \u0130ran Devrim Muhaf\u0131zlar\u0131ndan Kas\u0131m S\u00fcleymaniye suikast ger\u00e7ekle\u015ftirmesi ve \u0130ran\u2019\u0131n ABD \u00fcslerine misilleme yapmas\u0131 ile piyasalar olduk\u00e7a gerildi. Peki konut kredisi faiz oranlar\u0131 jeopolitik risklerden etkilenir mi?<\/p>\n
ABD\u2019nin \u00c7in\u2019e uygulad\u0131\u011f\u0131 ek vergilerle ba\u015flayan ticaret sava\u015flar\u0131 iki \u00fclke aras\u0131ndaki m\u00fczakerelerin ard\u0131ndan k\u0131smen gerginli\u011fi azaltt\u0131. Geli\u015fen \u00fclke ekonomilerini olumsuz etkileyen geli\u015fme ge\u00e7ti\u011fimiz y\u0131l T\u00fcrk Liras\u0131nda da \u00f6nemli bask\u0131ya neden olmu\u015ftu.<\/p>\n
K\u0131smen dengelenen uluslararas\u0131 piyasalar ABD\u2019nin \u0130ran Devrim Muhaf\u0131zlar\u0131’na ba\u011fl\u0131 Kud\u00fcs G\u00fcc\u00fc’n\u00fcn Komutan\u0131 Kas\u0131m S\u00fcleymani ve Irak’l\u0131 militan grubu Ha\u015fdi \u015eabi’nin Genel Komutan Yard\u0131mc\u0131s\u0131 Ebu Mehdi el-M\u00fchendis’i hava sald\u0131r\u0131s\u0131 ile \u00f6ld\u00fcrmesi ile ile yeniden hareketlendi.<\/p>\n
\u0130ran\u2019\u0131n da d\u00fcn sabah kar\u015f\u0131 ABD\u2019nin Irak\u2019taki iki askeri \u00fcss\u00fcn\u00fc f\u00fczeyle vurmas\u0131 Ortado\u011fu\u2019daki jeopolitik riskleri art\u0131rd\u0131. Ancak her iki taraf\u0131n da sava\u015f istemedi\u011fini a\u00e7\u0131klamas\u0131 piyasalardaki korkuyu bir miktar d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n
Dolar kuru d\u00fcn g\u00fcne g\u00fcndemdeki gerginlik ile y\u00fckseli\u015f y\u00f6n\u00fcnde ba\u015flad\u0131. Dolar g\u00fcn i\u00e7inde 5.98\u2019e kadar \u00e7\u0131kt\u0131ktan sonra g\u00fcn i\u00e7inde %0.40 de\u011fer kaybederek 5.95 seviyelerinde tamamlad\u0131.<\/p>\n
Jeopolitik geli\u015fmeler sonucu dolar kurundaki hareketlilik ve y\u00fckseli\u015f y\u00f6nl\u00fc bask\u0131 T\u00fcrk Liras\u0131n\u0131 olumsuz etkilemeye devam ediyor. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) 16 Ocak\u2019ta yeni y\u0131l\u0131n ilk para politikas\u0131 kurulu toplant\u0131s\u0131n\u0131 ger\u00e7ekle\u015ftecek. Uzmanlar Merkez Bankas\u0131\u2019n\u0131n 2019\u2019da uygulad\u0131\u011f\u0131 sert faiz indirimlerinin \u00f6nden y\u00fcklemeli oldu\u011funu ve riskler kar\u015f\u0131s\u0131nda indirim uygulamas\u0131n\u0131n riskli olabilece\u011fini bildiriyor.<\/p>\n
Politika faiz indirimleri ile maliyetleri azalan ve likiditeye eri\u015fimi kolayla\u015fan bankalar h\u0131zla kredi faiz oralar\u0131nda indirim uygulam\u0131\u015flard\u0131. Kamu bankalar\u0131n\u0131n te\u015fvi\u011fi ile ba\u015flayan indirimler \u00f6zel bankalar\u0131nda deste\u011fi sonras\u0131nda ihtiya\u00e7, ta\u015f\u0131t ve konut kredisinde son y\u0131llar\u0131n en d\u00fc\u015f\u00fck oranlar\u0131n\u0131n g\u00f6r\u00fclmesini sa\u011flad\u0131.<\/p>\n
Bireysel kredi t\u00fcrleri aras\u0131nda en y\u00fcksek faiz indirimi konut kredisinde ger\u00e7ekle\u015fti. Konut kredisi faizleri bir\u00e7ok bankada %1\u2019in alt\u0131na inerken, bankalar\u0131n tabela kredi faiz ortalamas\u0131 %1.31 oldu. G\u00fcncel olarak en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 s\u0131f\u0131r konutlar i\u00e7in %0.79\u2019a geriledi. S\u00f6z konusu kredinin y\u0131ll\u0131k maliyet oran\u0131 %10 seviyelerinde yer al\u0131yor.<\/p>\n
Politika faiz indirimleri ile h\u0131zla d\u00fc\u015fen bankalar\u0131n kredi faiz oranlar\u0131 son haftalarda sakin bir seyir izliyor. A\u011fustos ay\u0131ndan Aral\u0131k ortas\u0131na kadar sert \u015fekilde d\u00fc\u015f\u00fc\u015f g\u00f6steren\u00a0konut kredisi\u00a0faizlerinde yakla\u015f\u0131k son bir ayd\u0131r belirgin bir de\u011fi\u015fiklik ya\u015fanmad\u0131.<\/p>\n
TCMB\u2019nin Ocak ay\u0131ndaki faiz indirim olas\u0131l\u0131\u011f\u0131na zay\u0131f g\u00f6zle bak\u0131l\u0131rken indirim ger\u00e7ekle\u015fmesi halinde ise daha \u00f6nceki toplant\u0131lara oranla daha d\u00fc\u015f\u00fck ve temkinli bir indirim ger\u00e7ekle\u015ftirilmesi bekleniyor.<\/p>\n
Uzmanlar piyasalara bak\u0131ld\u0131\u011f\u0131nda beklenmedik bir durum ya\u015fanmad\u0131k\u00e7a bankalar\u0131n kredi faiz oranlar\u0131nda b\u00fcy\u00fck bir indirim ya\u015fanmayaca\u011f\u0131n\u0131 bildiriyor. Kredi faizlerinin enflasyon ve kura bak\u0131ld\u0131\u011f\u0131nda reel seviyede oldu\u011funu belirten uzmanlar oranlar\u0131n piyasa ko\u015fullar\u0131nda cazip oldu\u011funu ve a\u015fa\u011f\u0131 y\u00f6nl\u00fc b\u00fcy\u00fck ini\u015flerin m\u00fcmk\u00fcn olmayaca\u011f\u0131 g\u00f6r\u00fc\u015f\u00fcnde.<\/p>\n
KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en uygun konut kredisi \u00fczerinden 250.000 TL tutarda kredi hesaplama yap\u0131ld\u0131\u011f\u0131nda ayl\u0131k taksitler 3.230 TL oluyor. Kredinin vade sonunda \u00f6demesi de 387.800 TL\u2019ye denk geliyor.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
ABD ile \u00c7in aras\u0131ndaki ticaret gerilimi devam ederken ABD\u2019nin \u0130ran Devrim Muhaf\u0131zlar\u0131ndan Kas\u0131m S\u00fcleymaniye suikast ger\u00e7ekle\u015ftirmesi ve \u0130ran\u2019\u0131n ABD \u00fcslerine misilleme yapmas\u0131 ile piyasalar olduk\u00e7a gerildi. Peki konut kredisi faiz oranlar\u0131 jeopolitik risklerden etkilenir mi? ABD\u2019nin \u00c7in\u2019e uygulad\u0131\u011f\u0131 ek vergilerle ba\u015flayan ticaret sava\u015flar\u0131 iki \u00fclke aras\u0131ndaki m\u00fczakerelerin ard\u0131ndan k\u0131smen gerginli\u011fi azaltt\u0131. Geli\u015fen \u00fclke ekonomilerini olumsuz […]<\/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":[951,14135],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31036"}],"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=31036"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31036\/revisions"}],"predecessor-version":[{"id":31037,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31036\/revisions\/31037"}],"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=31036"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31036"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}