Dolar kuru son haftada art\u0131\u015fa ge\u00e7erek 6 Lira’n\u0131n \u00fczerine \u00e7\u0131kt\u0131. Peki dolardaki art\u0131\u015f konut kredisi faiz oranlar\u0131n\u0131 etkiler mi?<\/p>\n
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\u00c7in\u2019de ortaya \u00e7\u0131kan coronavirus \u00f6nce asya piyasalar\u0131n\u0131 olumsuz etkiledikten sonra risk i\u015ftah\u0131n\u0131 azaltmas\u0131 ile geli\u015fmekte olan \u00fclke ekonomilerini de olumsuz etkiledi. T\u00fcrk Liras\u0131\u2019n\u0131n da azalan risk i\u015ftah\u0131 ile olumsuz etkilenmesinin yan\u0131nda \u0130dlib\u2019de ya\u015fanan gerginlik jeopolitik bask\u0131lar nedeniyle de ekonomiyi negatif etkiliyor.<\/p>\n
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Kur ge\u00e7ti\u011fimiz hafta kapan\u0131\u015f\u0131 itibariyle 6 TL\u2019nin \u00fczerine \u00e7\u0131kt\u0131. D\u00fcn g\u00fcn i\u00e7inde 6.06\u2019ya ula\u015fan kur piyasa kapan\u0131\u015f\u0131n 6 TL\u2019nin \u00fcst\u00fcnde sat\u0131ld\u0131. Ayn\u0131 saatlerde B\u0130ST 100 endeksi ise 120.00 puan\u0131n alt\u0131nda kapand\u0131.<\/p>\n
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2018 y\u0131l\u0131nda dolar kurunun ani y\u00fckseli\u015fi sonras\u0131na h\u0131zla artan kredi faiz oranlar\u0131 kurda ya\u015fanan hareketlilik sonras\u0131nda tedirginlik yaratt\u0131. Kurda ya\u015fanan hareketlilik konut kredisi faiz oranlar\u0131n\u0131 %3\u2019l\u00fc seviyelere kadar y\u00fckseltmi\u015f ve faiz oranlar\u0131 bir seneye kadar %2\u2019nin \u00fczerinde kalm\u0131\u015ft\u0131.<\/p>\n
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TL kar\u015f\u0131s\u0131nda dolar kurunun y\u00fckselmesine ili\u015fkin rapor yay\u0131nlayan Capital Economics\u2019in K\u0131demli Geli\u015fen Piyasa Ekonomisti Jason Tuvey, TL’nin y\u0131l sonunda dolar kar\u015f\u0131s\u0131nda yakla\u015f\u0131k %20 oran\u0131nda de\u011fer kaybedebilece\u011fi belirtildi.<\/p>\n
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T\u00fcrk yetkililerin son haftalarda TL’yi kontrol alt\u0131nda tuttu\u011fu ancak bunun uzun s\u00fcrmeyece\u011fi vurgulanan raporda, “2020 sonunda Lira dolar kar\u015f\u0131s\u0131nda %20 kadar de\u011fer kaybedebilir” ifadesi yer ald\u0131.<\/p>\n
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Dolar\/TL kurunun ge\u00e7en bir ka\u00e7 haftad\u0131r 6’ya yak\u0131n dar bantta hareket etti\u011fi hat\u0131rlat\u0131l\u0131rken, cuma g\u00fcn\u00fc bu e\u015fi\u011fin yukar\u0131 y\u00f6nl\u00fc k\u0131r\u0131ld\u0131\u011f\u0131, T\u00fcrk otoritelerinin de swap ad\u0131mlar\u0131 att\u0131\u011f\u0131 ifade edilerek, “Bu hamle, spek\u00fclatif ataklar\u0131 engellemek i\u00e7in at\u0131lm\u0131\u015f bir ad\u0131m olarak g\u00f6r\u00fcld\u00fc” dendi.<\/p>\n
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Raporda ge\u00e7en y\u0131l da benzer ad\u0131mlar\u0131n at\u0131ld\u0131\u011f\u0131 hat\u0131rlat\u0131larak m\u00fcdahalenin i\u015fe yaramayabilece\u011fi belirtildi ve “Birincisi makroekonomik dengesizliklere neden olacak… \u0130kincisi politika yap\u0131c\u0131lar\u0131n TL’yi savunmak i\u00e7in gereken “ate\u015fleyiciler’ s\u0131n\u0131rlar\u0131na geldi… Yetkililer TL \u00fczerindeki kontrol\u00fcn\u00fc sonunda kaybedecek” dendi.<\/p>\n
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Y\u0131l sonunda dolar\u0131n yakla\u015f\u0131k % 20 civar\u0131nda de\u011fer kazanarak 7.5’e y\u00fckselebilece\u011fi \u00f6ng\u00f6r\u00fclerek, “Bu nedenle de T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131’n\u0131n rotas\u0131n\u0131 de\u011fi\u015ftirerek bu y\u0131l\u0131n sonlar\u0131nda yeniden faiz art\u0131raca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz” ifadesi yer ald\u0131.<\/p>\n
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Dolar kurunda 7,5 gibi seviyelerin g\u00f6r\u00fclmesi halinde %0.79\u2019e kadar kadar d\u00fc\u015fen konut kredisi faizlerinin yeniden artmas\u0131 bekleniyor. Kur kar\u015f\u0131s\u0131nda TCMB\u2019nin 19 \u015eubat\u2019ta a\u00e7\u0131klayaca\u011f\u0131 para politikas\u0131 duru\u015fu kredi faiz oranlar\u0131 a\u00e7\u0131s\u0131ndan da olduk\u00e7a \u00f6nemli olacak.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re g\u00fcncel olarak en d\u00fc\u015f\u00fck konut kredisi faiz oran\u0131 %0.79 olarak sunuluyor. Bankalar\u0131n konut i\u00e7in tabela faiz oranlar\u0131 ise %1.28 d\u00fczeyinde yer al\u0131yor.<\/p>\n
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Bankalardan 100.000 TL tutarda 5 y\u0131l vadeli konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde kredinin ayl\u0131k taksitleri 2.100 TL oluyor. Vade sonunda krediye \u00f6denen toplam tutar ise 126.000 TL\u2019 ye denk geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Dolar kuru son haftada art\u0131\u015fa ge\u00e7erek 6 Lira’n\u0131n \u00fczerine \u00e7\u0131kt\u0131. Peki dolardaki art\u0131\u015f konut kredisi faiz oranlar\u0131n\u0131 etkiler mi? \u00c7in\u2019de ortaya \u00e7\u0131kan coronavirus \u00f6nce asya piyasalar\u0131n\u0131 olumsuz etkiledikten sonra risk i\u015ftah\u0131n\u0131 azaltmas\u0131 ile geli\u015fmekte olan \u00fclke ekonomilerini de olumsuz etkiledi. T\u00fcrk Liras\u0131\u2019n\u0131n da azalan risk i\u015ftah\u0131 ile olumsuz etkilenmesinin yan\u0131nda \u0130dlib\u2019de ya\u015fanan gerginlik jeopolitik […]<\/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":[5072,951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31168"}],"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=31168"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31168\/revisions"}],"predecessor-version":[{"id":31169,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31168\/revisions\/31169"}],"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=31168"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31168"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31168"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}