Konut kredisi faizlerinin d\u00fc\u015fmesi ile beklemekte olan talep a\u00e7\u0131\u011fa \u00e7\u0131kt\u0131. Faizlerin d\u00fc\u015fmesi ile ve talebin artmas\u0131 ile konut fiyatlar\u0131 artt\u0131. Peki konut fiyatlar\u0131 artmaya devam edecek mi?<\/p>\n
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Ge\u00e7ti\u011fimiz y\u0131l\u0131n ikinci yar\u0131s\u0131 itibariyle konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesi beklemekte olan talebi a\u00e7\u0131\u011fa \u00e7\u0131kararak konut sat\u0131\u015flar\u0131nda patlamaya neden oldu. Kredili konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na oranla Eyl\u00fcl\u2019de %410, Ekim\u2019de %525 ve Kas\u0131m ay\u0131nda %724, Aral\u0131k ay\u0131nda %603 oran\u0131nda art\u0131\u015f g\u00f6sterdi.<\/p>\n
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Konuta talebin artmas\u0131 konut fiyatlar\u0131n\u0131 da h\u0131zla y\u00fckseltti. T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) Konut Fiyat Endeksi verilerine g\u00f6re konut fiyatlar\u0131 2019 y\u0131l\u0131 Eyl\u00fcl ay\u0131nda bir \u00f6nceki aya g\u00f6re %6,32,\u00a0 Ekim ay\u0131nda %6,74, Kas\u0131m ay\u0131nda %7,19 artt\u0131.<\/p>\n
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REIDIN-GYODER endekslerine g\u00f6re yeni konut fiyatlar\u0131 ise 2019 Ekim ay\u0131nda bir \u00f6nceki senenin ayn\u0131 ay\u0131na g\u00f6re %2,52, Kas\u0131m ay\u0131nda %2,79 ve Aral\u0131k ay\u0131nda %2,94 art\u0131\u015f g\u00f6sterdi. S\u0131f\u0131r konut sat\u0131\u015flar\u0131n\u0131n ikinci ele oranla d\u00fc\u015f\u00fck seyretmesi fiyat art\u0131\u015flar\u0131n\u0131n daha az olmas\u0131nda etkili olmu\u015ftu.<\/p>\n
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Yeni y\u0131l itibariyle kamu bankalar\u0131n\u0131n s\u0131f\u0131r konut sat\u0131\u015flar\u0131n\u0131 desteklemek i\u00e7in ilk kez sat\u0131lan konutlarda faiz oranlar\u0131n\u0131 %0.79\u2019a indirmesi ile s\u0131f\u0131r konut sat\u0131\u015flar\u0131n\u0131n da Ocak ay\u0131 fiyat art\u0131\u015f\u0131n\u0131n da ge\u00e7mi\u015f aylardan daha y\u00fcksek olmas\u0131 bekleniyor.<\/p>\n
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\u0130n\u015faat Maliyetleri D\u00fc\u015ferken Fiyatlar Art\u0131yor<\/p>\n
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T\u00fcrkiye \u0130statistik Kurumu (T\u00dc\u0130K) \u0130n\u015faat Maliyet Endeksi verilerine g\u00f6re in\u015faat maliyetleri 2019 Haziran ay\u0131ndan beri kesintisiz d\u00fc\u015f\u00fc\u015f g\u00f6steriyor. \u0130n\u015faat maliyetleri bir \u00f6nceki aya oranla 2019 Haziran\u2019da %0.79, Temmuz\u2019da %0,62, A\u011fustos\u2019ta %0,73, Eyl\u00fcl\u2019de %0,59 Ekim\u2019de %0,07 ve Kas\u0131m\u2019da %0,02 azald\u0131. Buna ra\u011fmen ayn\u0131 d\u00f6nemde konut fiyatlar\u0131 her ay art\u0131\u015f g\u00f6sterdi.<\/p>\n
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Gayrimenkul Sekt\u00f6r\u00fcne G\u00fcven Art\u0131yor<\/p>\n
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T\u00dc\u0130K verilerine g\u00f6re gayrimenkul sekt\u00f6r\u00fcn\u00fcn son a\u00e7\u0131klanan iki ayl\u0131k verileri incelendi\u011finde 2019 Aral\u0131k ay\u0131nda mevsim etkilerinden ar\u0131nd\u0131r\u0131lm\u0131\u015f in\u015faat sekt\u00f6r\u00fc g\u00fcven endeksi bir \u00f6nceki ayda 63,9 iken, Aral\u0131k ay\u0131nda %7,9 oran\u0131nda artarak 68,9 oldu\u011fu ve s\u00f6z konusu de\u011ferin Ocak ay\u0131nda %14,6 oran\u0131nda artarak 78,9 de\u011ferini ald\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.<\/p>\n
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\u0130n\u015faat Faaliyetlerinin Yar\u0131s\u0131n\u0131 Finansman Sorunu K\u0131s\u0131tl\u0131yor<\/p>\n
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T\u00dc\u0130K verilerine g\u00f6re in\u015faat sekt\u00f6r\u00fcnde talep art\u0131\u015f sorunu azal\u0131rken finansman sorunun in\u015faat faaliyetlerini k\u0131s\u0131tlad\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor.\u0130n\u015faat sekt\u00f6r\u00fcnde Ocak ay\u0131nda giri\u015fimlerin %32’si faaliyetleri k\u0131s\u0131tlayan herhangi bir fakt\u00f6r\u00fcn olmad\u0131\u011f\u0131n\u0131, %68’i ise faaliyetlerini k\u0131s\u0131tlayan en az bir temel fakt\u00f6r bulundu\u011funu belirtti. \u0130n\u015faat sekt\u00f6r\u00fcnde faaliyetleri k\u0131s\u0131tlayan en \u00f6nemli temel fakt\u00f6rlerden; “finansman sorunlar\u0131” Aral\u0131k ay\u0131nda %44,4 iken Ocak ay\u0131nda %48,5, “talep yetersizli\u011fi” Aral\u0131k ay\u0131nda %43,3 iken Ocak ay\u0131nda %36,1 ve “hava \u015fartlar\u0131” Aral\u0131k ay\u0131nda %7,9 iken Ocak ay\u0131nda %15,5 oldu.<\/p>\n
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Konut Kredisi Faizlerinde Son Durum<\/p>\n
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Konut fiyatlar\u0131n\u0131n son aylarda net olarak artt\u0131\u011f\u0131 ve eldeki verilere g\u00f6re artmaya devam etmesi tahmin edilirken konut kredisi faizleri de geriliyor. Konut ihtiyac\u0131 olanlar\u0131n faiz oranlar\u0131 d\u00fc\u015fm\u00fc\u015f ve konut fiyatlar\u0131 artmaya devam ederken h\u0131zl\u0131 olmas\u0131nda fayda olabilir.<\/p>\n
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Bankalarda en d\u00fc\u015f\u00fck konut kredisi oran\u0131 s\u0131f\u0131r konut talepleri i\u00e7in %0.79, ikinci el konut talepleri i\u00e7in %0.89 seviyesinden ba\u015fl\u0131yor.<\/p>\n
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Konut Kredisi Hesaplama<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 250.000 TL tutarda konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde 10 y\u0131l vade i\u00e7in kredinin en d\u00fc\u015f\u00fck ayl\u0131k taksitleri 3.230 TL, geri \u00f6demesi de 387.600 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Konut kredisi faizlerinin d\u00fc\u015fmesi ile beklemekte olan talep a\u00e7\u0131\u011fa \u00e7\u0131kt\u0131. Faizlerin d\u00fc\u015fmesi ile ve talebin artmas\u0131 ile konut fiyatlar\u0131 artt\u0131. Peki konut fiyatlar\u0131 artmaya devam edecek mi? Ge\u00e7ti\u011fimiz y\u0131l\u0131n ikinci yar\u0131s\u0131 itibariyle konut kredisi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesi beklemekte olan talebi a\u00e7\u0131\u011fa \u00e7\u0131kararak konut sat\u0131\u015flar\u0131nda patlamaya neden oldu. Kredili konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":29084,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[80,1275,951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31140"}],"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=31140"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31140\/revisions"}],"predecessor-version":[{"id":31141,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31140\/revisions\/31141"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29084"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}