Ge\u00e7ti\u011fimiz y\u0131l\u0131n ikinci yar\u0131s\u0131ndan itibaren h\u0131zla d\u00fc\u015fen konut kredisi faizleri konutta ertelenmi\u015f talebi a\u00e7\u0131\u011fa \u00e7\u0131kararak talepte patlama yaratt\u0131. Artan konut talebi sonras\u0131nda konut kredis faizleri son bir senede ne kadar artt\u0131?<\/p>\n
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2018 y\u0131l\u0131nda kurda ya\u015fanan sert y\u00fckseli\u015f ve kuru dengelemek i\u00e7in art\u0131r\u0131lan repo faizleri senenin ikinci yar\u0131s\u0131nda konut kredisi faizlerini tarihi zirveye \u00e7\u0131kard\u0131. Konut kredisi faizlerinin %3\u2019\u00fcn \u00fczerine \u00e7\u0131kmas\u0131 ile kredili konut talebi durma noktas\u0131na geldi.<\/p>\n
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S\u00f6z konusu d\u00f6nemde faizlerin y\u00fcksek olmas\u0131 pe\u015fin konut al\u0131mlar\u0131n\u0131 da olumsuz etkiledi. Bankalar\u0131n mevduat faizlerinin %26 – %27\u2019 lere kadar y\u00fckselmesi ile yat\u0131r\u0131mc\u0131 konuttan uzakla\u015farak mevduata y\u00f6neldi.<\/p>\n
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2019\u2019un ilk yar\u0131s\u0131nda ekonomik olumsuzluklar yava\u015f yava\u015f d\u00fczenlenirken ikinci yar\u0131ya gelindi\u011finde Merkez Bankas\u0131\u2019n\u0131n ilk olarak temmuz ay\u0131nda ba\u015flayan faiz indirimi piyasay\u0131 olduk\u00e7a olumlu etkiledi. %24 seviyesinde bulunan Merkez Bankas\u0131 Para Politikas\u0131 faizleri Temmuzda ba\u015flayan aral\u0131ks\u0131z indirimlerle y\u0131l sonunda %12\u2019 ye d\u00fc\u015ft\u00fc.<\/p>\n
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Repo faizlerinde be\u015f ayda ya\u015fanan 1200 puanl\u0131k indirim bankalar\u0131n konut kredisi faiz oranlar\u0131n\u0131 h\u0131zla d\u00fc\u015f\u00fcrd\u00fc. Kamu bankalar\u0131n\u0131n \u00f6nc\u00fcl\u00fck etti\u011fi indirimlerle konut kredisi faizleri \u00f6ncelikli olarak A\u011fustos ay\u0131nda \u00fc\u00e7 kamu bankas\u0131nda %0.99\u2019a indi. Y\u0131l sonuna kadar 13 \u00f6zel bankan\u0131n daha konut i\u00e7in uygulad\u0131\u011f\u0131 faiz oranlar\u0131 %1\u2019in alt\u0131na geriledi.<\/p>\n
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Politika faizlerinde ya\u015fan indirimlerin ard\u0131ndan mevduat faizleri de h\u0131zla d\u00fc\u015fmeye ba\u015flad\u0131. %25\u2019in \u00fczerinde seyreden mevduat faizlerinin %10\u2019un alt\u0131na gerilemesi ile yat\u0131r\u0131mc\u0131lardan da gayrimenkule y\u00f6nelim oldu.<\/p>\n
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Hem mevduatlar\u0131n d\u00fc\u015fmesi ile yat\u0131r\u0131m ama\u00e7l\u0131 hem de kredi faizlerinin d\u00fc\u015fmesi ile oturum ama\u00e7l\u0131 konut talebi sert se\u00e7ilde art\u0131\u015f g\u00f6sterdi. Konutta talebin azalmas\u0131 ile reel art\u0131\u015f\u0131 g\u00f6steremeyen konut fiyatlar\u0131 talebin y\u00fckselmesiyle h\u0131zl\u0131 \u015fekilde artmaya ba\u015flad\u0131.<\/p>\n
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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 y\u0131la g\u00f6re %6,32,\u00a0 Ekim ay\u0131nda %6,74, Kas\u0131m ay\u0131nda %7,19 ve Aral\u0131k ay\u0131nda %9,92 artt\u0131.<\/p>\n
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2019 y\u0131l sonunda T\u00fcrkiye genelinde ortalama metrekare birim konut fiyat\u0131 2.930 TL oldu. S\u00f6z konusu de\u011fer \u0130stanbul i\u00e7in 4.940 TL\u2019 ye Ankara i\u00e7in 2.220 TL\u2019 ye, \u0130zmir i\u00e7in 3.380 TL\u2019 ye \u00e7\u0131kt\u0131.<\/p>\n
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Konut kredisi faizlerinde indirimler yakla\u015f\u0131k sekiz ayd\u0131r aral\u0131ks\u0131z devam ediyor. Uzmanlar\u0131n g\u00f6r\u00fc\u015f\u00fc ilerleyen aylarda da indirimlerin devam etmesi y\u00f6n\u00fcnde. Konut fiyatlar\u0131ndaki art\u0131\u015f devam ettik\u00e7e konut fiyatlar\u0131 daha artacak gibi duruyor. Fiyatlar daha da artmadan konut almak karl\u0131 olabilir.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re g\u00fcncel olarak en d\u00fc\u015f\u00fck faiz oran\u0131 ile\u00a0 350.000 TL tutarda ve 10 y\u0131l vadeli konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde kredinin toplam geri \u00f6demesi 543.000 TL oluyor. Kredinin ayl\u0131k taksitleri de 4.500 TL\u2019 ye denk geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Ge\u00e7ti\u011fimiz y\u0131l\u0131n ikinci yar\u0131s\u0131ndan itibaren h\u0131zla d\u00fc\u015fen konut kredisi faizleri konutta ertelenmi\u015f talebi a\u00e7\u0131\u011fa \u00e7\u0131kararak talepte patlama yaratt\u0131. Artan konut talebi sonras\u0131nda konut kredis faizleri son bir senede ne kadar artt\u0131? 2018 y\u0131l\u0131nda kurda ya\u015fanan sert y\u00fckseli\u015f ve kuru dengelemek i\u00e7in art\u0131r\u0131lan repo faizleri senenin ikinci yar\u0131s\u0131nda konut kredisi faizlerini tarihi zirveye \u00e7\u0131kard\u0131. Konut […]<\/p>\n","protected":false},"author":1,"featured_media":23935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[12095],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31195"}],"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=31195"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31195\/revisions"}],"predecessor-version":[{"id":31196,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31195\/revisions\/31196"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23935"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}