{"id":31188,"date":"2020-02-18T10:11:03","date_gmt":"2020-02-18T07:11:03","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=31188"},"modified":"2020-02-18T10:11:03","modified_gmt":"2020-02-18T07:11:03","slug":"en-dusuk-konut-kredisi-faizi-uygulayan-kamu-bankasi-hangisi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=31188","title":{"rendered":"En D\u00fc\u015f\u00fck Konut Kredisi Faizi Uygulayan Kamu Bankas\u0131 Hangisi?"},"content":{"rendered":"

Kamu bankalar\u0131 konut kredisi faizlerinde bir kez daha indirim uygulad\u0131. Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019\u0131n s\u0131f\u0131r konut i\u00e7in faizleri 0.79 ikinci el konut i\u00e7in ise %0.94 oldu.<\/p>\n

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Merkez Bankas\u0131 Para Politikas\u0131 Kurulu Toplant\u0131s\u0131n\u0131n ger\u00e7ekle\u015fece\u011fi kritik hafta kredi faiz indirimleri ile ba\u015flad\u0131. Haftan\u0131n ilk g\u00fcn\u00fcnde ticari kredilerden konut kredisi ve ihtiya\u00e7 kredisi faizlerine indirimler arka arkaya geldi.<\/p>\n

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Hazine ve Maliye Bakan\u0131 Berat Albayrak \u015eubat ay\u0131n\u0131n ilk haftas\u0131nda Kahramanmara\u015f \u0130\u015f D\u00fcnyas\u0131 Bulu\u015fmas\u0131nda faiz oranlar\u0131na ili\u015fkin a\u00e7\u0131klamalarda bulunarak kredi faizlerinin d\u00fc\u015fece\u011fini m\u00fcjdelemi\u015fti.<\/p>\n

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Bakan Albayrak kamu bankalar\u0131n\u0131n genel m\u00fcd\u00fcrleri ile g\u00f6r\u00fc\u015fme yapt\u0131klar\u0131n\u0131 ve kredi faizlerini d\u00fc\u015f\u00fcrme karar\u0131 ald\u0131klar\u0131n\u0131 \u015fu s\u00f6zlerle a\u00e7\u0131klam\u0131\u015ft\u0131r;<\/p>\n

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“Merkez Bankas\u0131n\u0131n politika faizini %11,25’e indirmesine paralel olarak kredi faizleri de h\u0131zla gerilemeye devam ediyor. B\u00f6ylece, bir \u00f6nceki y\u0131l\u0131n ocak ay\u0131na g\u00f6re ticari kredi faizleri ortalama 14 puan, konut kredisi<\/a> faizleri ortalama 14 puan, ihtiya\u00e7 kredisi faizleri 16 puan, ta\u015f\u0131t kredisi faizleri ise 15 puan\u0131n \u00fczerinde geriledi. Bildi\u011finiz gibi kamu bankalar\u0131m\u0131z faiz konusunda, piyasalar\u0131n canlanmas\u0131 konusunda \u00f6nc\u00fc bir rol \u00fcstleniyor ve elini ta\u015f\u0131n alt\u0131na koyuyor.”<\/p>\n

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Beklenen indirimler d\u00fcn a\u00e7\u0131kland\u0131. Kamu bankalar\u0131 2020\u2019de konut kredisi i\u00e7in ikinci indirim m\u00fcjdesini verdi. S\u0131f\u0131r konutlar i\u00e7in %0.79 faiz oran\u0131 sunan Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank ikinci el konutlar i\u00e7inde %0.94 faiz oran\u0131 ile kredi kulland\u0131rmaya ba\u015flad\u0131.<\/p>\n

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Kamu bankalar\u0131n\u0131n indirimleri sadece konut kredisinde kalmad\u0131. Bankalar ihtiya\u00e7 kredisinde de %0.95\u2019den ba\u015flayan faizlerle 5 y\u0131l vadeye kadar kredi kulland\u0131r\u0131yor.<\/p>\n

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Bir di\u011fer m\u00fcjde ise d\u00fcn ticari kredilerde ya\u015fand\u0131. Aral\u0131k ay\u0131nda ihracat d\u00f6viz kredilerinde indirime giden T\u00fcrk Eximbank bir indirim daha ger\u00e7ekle\u015ftirerek vade t\u00fcr\u00fcne g\u00f6re 140 puana kadar faizlerini d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n

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KrediPazari.com’un ara\u015ft\u0131rmalar\u0131na g\u00f6re Merkez Bankas\u0131\u2019n\u0131n politika faiz karar\u0131n\u0131n hemen \u00f6ncesinde gelen kredi faiz indirimleri t\u00fcketiciyi olduk\u00e7a mutlu etti. Kurul karar\u0131ndan indirim \u00e7\u0131kmas\u0131 halinde \u00f6zel bankalar\u0131nda yeni bir faiz indirim ata\u011f\u0131na girmesi ve kredi faizlerinin daha da d\u00fc\u015fmesi bekleniyor.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kamu bankalar\u0131 konut kredisi faizlerinde bir kez daha indirim uygulad\u0131. Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank\u2019\u0131n s\u0131f\u0131r konut i\u00e7in faizleri 0.79 ikinci el konut i\u00e7in ise %0.94 oldu.   Merkez Bankas\u0131 Para Politikas\u0131 Kurulu Toplant\u0131s\u0131n\u0131n ger\u00e7ekle\u015fece\u011fi kritik hafta kredi faiz indirimleri ile ba\u015flad\u0131. Haftan\u0131n ilk g\u00fcn\u00fcnde ticari kredilerden konut kredisi ve ihtiya\u00e7 kredisi faizlerine indirimler arka […]<\/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":[951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31188"}],"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=31188"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31188\/revisions"}],"predecessor-version":[{"id":31189,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31188\/revisions\/31189"}],"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=31188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}