{"id":31046,"date":"2020-01-13T10:42:45","date_gmt":"2020-01-13T07:42:45","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=31046"},"modified":"2020-01-13T10:42:45","modified_gmt":"2020-01-13T07:42:45","slug":"konut-kredisi-faizlerinde-son-durum-2","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=31046","title":{"rendered":"Konut kredisi faizlerinde son durum"},"content":{"rendered":"<p>2020 y\u0131l\u0131 ile birlikte Ziraat Bankas\u0131, Halkbank ve\u00a0Vak\u0131fbank s\u0131f\u0131r konut sat\u0131\u015f\u0131nda yeni konutlar i\u00e7in kulland\u0131rd\u0131klar\u0131 kredilerde ayl\u0131k konut kredisi faiz oran\u0131n\u0131 y\u00fczde 0.79\u2019a d\u00fc\u015f\u00fcrd\u00fcler. Ge\u00e7en hafta i\u00e7erisinde Ziraat Kat\u0131l\u0131m Bankas\u0131, konut kredisinde\u00a0 finansman oran\u0131n\u0131 s\u0131f\u0131r yeni konutlar i\u00e7in 500 bin lira kullan\u0131ma kadar ayl\u0131k faiz 0.79 orana \u00e7ekti\u011fini duyurdu.<\/p>\n<p>Son duruma g\u00f6re ilk kez sat\u0131lacak olan s\u0131f\u0131r konutlarda 100.000 lira konut kredisi kullan\u0131lmas\u0131nda ortaya \u00e7\u0131kan \u00f6deme planlar\u0131 \u015fu \u015fekilde oldu:<\/p>\n<p>60 ayl\u0131k vade ile ayl\u0131k kredi faiz oran\u0131 0.79, ayl\u0131k taksit 2.099 TL, 60 ayl\u0131k vadede toplam geri \u00f6denecek tutar 125.940 TL<\/p>\n<p>120 ayl\u0131k vade ile ayl\u0131k kredi faiz oran\u0131 0.79, ayl\u0131k taksit 1.293 TL, 120 ayl\u0131k vadede toplam geri \u00f6denecek tutar 155.160 TL<\/p>\n<p>180 ayl\u0131k vade ile ayl\u0131k kredi faiz oran\u0131 0.79, ayl\u0131k taksit 1.043 TL, 180 ayl\u0131k vadede toplam geri \u00f6denen tutar 187.740 TL<\/p>\n<p>Kamu bankalar\u0131 ikinci el konutlar i\u00e7in de, \u00f6zel bankalar\u0131n da hem s\u0131f\u0131r hem de ikinci el konutlarda uygulad\u0131klar\u0131 ayl\u0131k kredi faiz oranlar\u0131 ise 0.98\u2019lerden ba\u015fl\u0131yor. \u00d6rnek olarak 100.000 liral\u0131k konut kredisi alan bir vatanda\u015f kredi masraflar\u0131 dahil olacak \u015fekilde 60 ve 120 ay vade ile \u00f6deme planlar\u0131 \u015fu \u015fekilde olu\u015fuyor: (en d\u00fc\u015f\u00fck faizli 10 banka)<\/p>\n<p><em><strong>5 YILLIK VADE \u0130LE (10 Ocak 2020 tarihiyle)<\/strong><\/em><\/p>\n<ul>\n<li><strong>INGbank<\/strong>; ayl\u0131k faiz oran\u0131 0.98, ayl\u0131k taksit tutar\u0131 2.212 TL, toplam geri \u00f6denecek 134.247 TL<\/li>\n<li><strong>T\u00fcrkiye Finans<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 2.218 TL, toplam geri \u00f6denecek 134.364 TL<\/li>\n<li><strong>Ziraat Bankas<\/strong>\u0131; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 2.218 TL, toplam geri \u00f6denecek 134.506 TL<\/li>\n<li><strong>Yap\u0131 Kredi<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 2.218 TL, toplam geri \u00f6denecek 134.538 TL<\/li>\n<li><strong>Halkbank<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 2.218 TL, toplam geri \u00f6denecek 134.559 TL<\/li>\n<li><strong>Vak\u0131fbank<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 2.218 TL, toplam geri \u00f6denecek 134.907 TL<\/li>\n<li><strong>Garanti BBVA<\/strong>; ayl\u0131k faiz oran\u0131 1.02, ayl\u0131k taksit\u00a0tutar\u0131 2.237 TL, toplam geri \u00f6denecek 135.671 TL<\/li>\n<li><strong>ICBC Turkey<\/strong>; ayl\u0131k faiz oran\u0131 1.08, ayl\u0131k taksit\u00a0tutar\u0131 2.273 TL, toplam geri \u00f6denecek 137.857 TL<\/li>\n<li><strong>\u015eekerbank<\/strong>; ayl\u0131k faiz oran\u0131 1.19, ayl\u0131k taksit\u00a0tutar\u0131 2.341 TL, toplam geri \u00f6denecek 142.144 TL<\/li>\n<li><strong>Fibabanka<\/strong>; ayl\u0131k faiz oran\u0131 1.20, ayl\u0131k taksit\u00a0tutar\u0131 2.348 TL, toplam geri \u00f6denecek 142.319 TL<\/li>\n<\/ul>\n<p><em><strong>10 YILLIK VADE \u0130LE (10 Ocak 2020 tarihiyle)<\/strong><\/em><\/p>\n<ul>\n<li><strong>INGbank<\/strong>; ayl\u0131k faiz oran\u0131 0.98, ayl\u0131k taksit\u00a0tutar\u0131 1.421 TL, toplam geri \u00f6denecek 172.011 TL<\/li>\n<li><strong>T\u00fcrkiye Finans<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 1.428 TL, toplam geri \u00f6denecek 172.595 TL<\/li>\n<li><strong>Ziraat Bankas<\/strong>\u0131; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit tutar\u01311.428 TL, toplam geri \u00f6denecek 172.737 TL<\/li>\n<li><strong>Yap\u0131 Kredi<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 1.428 TL, toplam geri \u00f6denecek 172.769 TL<\/li>\n<li><strong>Halkbank<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 1.428 TL, toplam geri \u00f6denecek 172.790 TL<\/li>\n<li><strong>Vak\u0131fbank<\/strong>; ayl\u0131k faiz oran\u0131 0.99, ayl\u0131k taksit\u00a0tutar\u0131 1.428 TL, toplam geri \u00f6denecek 173.138 TL<\/li>\n<li><strong>Garanti BBVA<\/strong>; ayl\u0131k faiz oran\u0131 1.02, ayl\u0131k taksit\u00a0tutar\u0131 1.449 TL, toplam geri \u00f6denecek 175.309 TL<\/li>\n<li><strong>ICBC Turkey<\/strong>; ayl\u0131k faiz oran\u0131 1.08, ayl\u0131k taksit\u00a0tutar\u0131 1.491 TL, toplam geri \u00f6denecek 180.351 TL<\/li>\n<li><strong>\u015eekerbank<\/strong>; ayl\u0131k faiz oran\u0131 1.19, ayl\u0131k taksit\u00a0tutar\u0131 1.570 TL, toplam geri \u00f6denecek 190.007 TL<\/li>\n<li><strong>Fibabanka<\/strong>; ayl\u0131k faiz oran\u0131 1.20, ayl\u0131k taksit\u00a0tutar\u0131 1.577 TL, toplam geri \u00f6denecek 190.679 TL<\/li>\n<\/ul>\n<div class=\"td-a-rec td-a-rec-id-content_bottom  td_uid_3_5e1adef48bea4_rand td_block_template_1\">\n<div id=\"wpcf7-f167807-p230322-o1\" class=\"wpcf7\" dir=\"ltr\" lang=\"tr-TR\" role=\"form\">\n<div class=\"screen-reader-response\"><\/div>\n<form class=\"wpcf7-form\" action=\"https:\/\/www.emlakdream.com\/konut-kredi-faizlerinde-guncel-durum\/#wpcf7-f167807-p230322-o1\" method=\"post\" novalidate=\"novalidate\"><\/form>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2020 y\u0131l\u0131 ile birlikte Ziraat Bankas\u0131, Halkbank ve\u00a0Vak\u0131fbank s\u0131f\u0131r konut sat\u0131\u015f\u0131nda yeni konutlar i\u00e7in kulland\u0131rd\u0131klar\u0131 kredilerde ayl\u0131k konut kredisi faiz oran\u0131n\u0131 y\u00fczde 0.79\u2019a d\u00fc\u015f\u00fcrd\u00fcler. Ge\u00e7en hafta i\u00e7erisinde Ziraat Kat\u0131l\u0131m Bankas\u0131, konut kredisinde\u00a0 finansman oran\u0131n\u0131 s\u0131f\u0131r yeni konutlar i\u00e7in 500 bin lira kullan\u0131ma kadar ayl\u0131k faiz 0.79 orana \u00e7ekti\u011fini duyurdu. Son duruma g\u00f6re ilk kez sat\u0131lacak [&hellip;]<\/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":[11107,954],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31046"}],"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=31046"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31046\/revisions"}],"predecessor-version":[{"id":31047,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31046\/revisions\/31047"}],"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=31046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}