Konut kredisi faiz oranlar\u0131 Merkez Bankas\u0131’n\u0131n politika faiz indirimleri sonras\u0131nda son bir y\u0131lda %60 d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Ge\u00e7en senenin Ocak ay\u0131nda en d\u00fc\u015f\u00fck %1.98 olan oran g\u00fcncel olarak %0.79\u2019a kadar geriledi.<\/p>\n
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Bankalar\u0131n konut kredisi faiz oranlar\u0131 2018\u2019in ortalar\u0131nda ya\u015fanan kur krizi sonras\u0131nda h\u0131zla y\u00fckselmeye ba\u015flad\u0131. Repo faizlerinin y\u00fckselmesi, artan risk ve likiditeye eri\u015fimde sorun ya\u015fayan bankalarda konut i\u00e7in faiz oranlar\u0131 %3\u2019\u00fcn \u00fczerinde seviyelere kadar \u00e7\u0131kt\u0131.<\/p>\n
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S\u00f6z konusu y\u00fckseli\u015f 2019\u2019un ikinci yar\u0131s\u0131ndan sonra a\u015fa\u011f\u0131ya d\u00f6nerken Merkez Bankas\u0131\u2019n\u0131n Temmuz ay\u0131nda ba\u015flad\u0131\u011f\u0131 politika faiz indirimler ile h\u0131zland\u0131. Reel faizlerin yakla\u015f\u0131k 10 ay sonra %24\u2019\u00fcn alt\u0131na inmesi ve k\u0131smen dengelenen ekonomi ile bankalar h\u0131zla kredi faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrmeye ba\u015flad\u0131.<\/p>\n
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Konutta faizler ilk olarak a\u011fustos ay\u0131nda %1\u2019in alt\u0131na indirdikten sonra ilerleyen aylarda repo faizlerinin d\u00fc\u015fmeye devam etmesi ile h\u0131zland\u0131. 2019\u2019un son \u00e7eyre\u011fine gelindi\u011finde 10\u2019dan fazla bankan\u0131n kampanyal\u0131 konut kredisi faizleri %1\u2019in alt\u0131na geriledi.<\/p>\n
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Ge\u00e7en y\u0131l\u0131n son ay\u0131nda Do\u011fu Akdeniz g\u00fcndemi, ABD ile ili\u015fkiler ve Suriye konusundaki siyasi bask\u0131lar dolarda hareketlilik yaratt\u0131. Kurda olu\u015fan hareketlilik kredi faizlerindeki d\u00fc\u015f\u00fc\u015f ivmesini yava\u015flatm\u0131\u015f olsada indirimler devam etti.<\/p>\n
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Yeni y\u0131l itibariyle ise indirim ve kampanyalara \u00f6nc\u00fcl\u00fck eden kamu bankalar\u0131 yeni bir indirim ger\u00e7ekle\u015ftirdi. Ziraat Bankas\u0131, HalkBank, Vak\u0131fBank ve sonradan kampanyaya dahil olan Ziraat Kat\u0131l\u0131m Bankas\u0131 s\u0131f\u0131r konutlar i\u00e7in kredi faiz oranlar\u0131n\u0131 %0.79\u2019a indirdi.<\/p>\n
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2019\u2019un Ocak ay\u0131nda en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 %1.98 seviyesinde yer al\u0131yordu. Son bir senede konut faizlerindeki indirim %60\u2019a ula\u015ft\u0131. Ge\u00e7ti\u011fimiz Ocak ay\u0131na k\u0131yasla en d\u00fc\u015f\u00fck kredi faiz oran\u0131 119 puan geriledi.<\/p>\n
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Son Bir Sende Kazan\u00e7 322.000 TL<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 300.000 TL tutarda 10 y\u0131l vadeli konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin g\u00fcncel olarak en d\u00fc\u015f\u00fck ayl\u0131k taksitleri 3.878 TL oluyor. Kredinin toplam geri \u00f6demesi ise 465.300 TL\u2019 ye denk geliyor.<\/p>\n
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S\u00f6z konusu kredi ge\u00e7en senenin ayn\u0131 d\u00f6neminde kullan\u0131ld\u0131\u011f\u0131nda ayl\u0131k taksitleri\u00a0 6.564 TL, toplam geri \u00f6demesi ise 787.700 TL oluyordu.<\/p>\n
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Son bir senede 300.000 TL kredi i\u00e7in ayl\u0131k taksitler 2.686 TL d\u00fc\u015ferken, toplam \u00f6deme tutar\u0131ndan 322.400 TL kar elde ediliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Konut kredisi faiz oranlar\u0131 Merkez Bankas\u0131’n\u0131n politika faiz indirimleri sonras\u0131nda son bir y\u0131lda %60 d\u00fc\u015f\u00fc\u015f g\u00f6sterdi. Ge\u00e7en senenin Ocak ay\u0131nda en d\u00fc\u015f\u00fck %1.98 olan oran g\u00fcncel olarak %0.79\u2019a kadar geriledi. Bankalar\u0131n konut kredisi faiz oranlar\u0131 2018\u2019in ortalar\u0131nda ya\u015fanan kur krizi sonras\u0131nda h\u0131zla y\u00fckselmeye ba\u015flad\u0131. Repo faizlerinin y\u00fckselmesi, artan risk ve likiditeye eri\u015fimde sorun ya\u015fayan […]<\/p>\n","protected":false},"author":1,"featured_media":29513,"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\/31039"}],"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=31039"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31039\/revisions"}],"predecessor-version":[{"id":31040,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31039\/revisions\/31040"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29513"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31039"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31039"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31039"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}