{"id":31310,"date":"2020-03-19T09:34:46","date_gmt":"2020-03-19T06:34:46","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=31310"},"modified":"2020-03-19T09:34:46","modified_gmt":"2020-03-19T06:34:46","slug":"corona-virusu-konut-kredisi-faiz-oranlariniarttirdi-mi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=31310","title":{"rendered":"Corona Vir\u00fcs\u00fc Konut Kredisi Faiz Oranlar\u0131n\u0131Artt\u0131rd\u0131 m\u0131?"},"content":{"rendered":"<p dir=\"ltr\">Merkez Bankas\u0131\u2019n\u0131n politika faizlerinde 100 baz puan indirim yaparak haftal\u0131k repo maliyetlerini tek haneye d\u00fc\u015f\u00fcrmesine ra\u011fmen konut kredisi faizleri artmaya ba\u015flad\u0131. Coronavir\u00fcs\u00fcn ekonomik etkileri nedeniyle iki banka konut kredisi faizlerini artt\u0131rd\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">T\u00fcm d\u00fcnyada etkisini h\u0131zla artt\u0131ran coronavirus ekonomi ve piyasalar\u0131n ard\u0131ndan bankalar\u0131n kredi faiz oranlar\u0131n\u0131 da etkilemeye ba\u015flad\u0131. Ge\u00e7ti\u011fimiz y\u0131l\u0131n A\u011fustos ay\u0131ndan itibaren %1\u2019in alt\u0131na inerek devam eden s\u00fcre\u00e7te kesintisiz \u015fekilde d\u00fc\u015f\u00fc\u015f\u00fcn\u00fc s\u00fcrd\u00fcren konut kredisi faizleri yeniden y\u00fckseli\u015fe ge\u00e7ti.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Merkez Bankas\u0131 sal\u0131 g\u00fcn\u00fc acil toplanarak coronavir\u00fcs\u00fcn etkilerine kar\u015f\u0131 ald\u0131\u011f\u0131 \u00f6nlemleri ve para politikas\u0131 faizlerinde toplant\u0131 tarihini beklemeden ger\u00e7ekle\u015ftirdi\u011fi 100 baz puanl\u0131k indirimi duyurdu.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Repo faizlerinde ya\u015fanan indirim sonras\u0131nda son dokuz toplant\u0131da oldu\u011fu gibi bankalardan kredi faiz indirimi beklenirken konut kredisi i\u00e7in faiz art\u0131\u015f\u0131 geldi. Garanti BBVA ve T\u00fcrkiye Finans Kat\u0131l\u0131m Bankas\u0131 konut i\u00e7in uygulad\u0131klar\u0131 oranlar\u0131n\u0131 y\u00fckseltti.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Merkez Bankas\u0131\u2019ndan piyasalar\u0131 ve bankalar\u0131 destekleyecek kararlar gelse ve repo faizleri May\u0131s 2018 sonras\u0131nda ilk defa tek haneye inmi\u015f olsa da riskler ve d\u00f6viz kuru olduk\u00e7a y\u00fcksek seviyede.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Dolar kuru d\u00fcn 6.5 s\u0131n\u0131r\u0131n\u0131 test ettikten sonra bug\u00fcn k\u0131smen gerileyerek 6.47 band\u0131nda seyretti. S\u00f6z konusu rakamlar dolar kurunda son aylarda g\u00f6r\u00fclen en y\u00fcksek seviyeler.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Borsa \u0130stanbul endeksi ise kay\u0131plar\u0131na devam ediyor. Endeks sert kay\u0131plar\u0131n ard\u0131ndan son iki g\u00fcnde 85.000 seviyelerinde sabitlendi.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Fed\u2019in faizleri s\u0131f\u0131rlamas\u0131 ile alt\u0131n ons fiyat\u0131nda ya\u015fanan d\u00fc\u015f\u00fc\u015f s\u00fcr\u00fcyor. Gram alt\u0131n 315 TL seviyelerinde seyrediyor.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Son haftalarda olduk\u00e7a sert d\u00fc\u015fler ya\u015fayan petrol fiyatlar\u0131 ise d\u00fcn bir rekora daha imza att\u0131. Brent fiyatlar\u0131 d\u00fcn 18 y\u0131l sonra ilk kez 25 dolar\u0131n alt\u0131na indikten sonra yeniden 27 dolar d\u00fczeyinde dengelendi.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">Coronavir\u00fcs kaynakl\u0131 kur, emtia ve piyasalardaki hareketlilik devam ederken geli\u015fmekte olan para birimleri de de\u011fer kaybederek yerini g\u00fcvenli yat\u0131r\u0131m alanlar\u0131na b\u0131rak\u0131yor. T\u00fcrk Liras\u0131nda ya\u015fanan de\u011fer kayb\u0131 i\u00e7in \u00f6nemli hamleler ve tedbirler uygulan\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p dir=\"ltr\">KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en uygun konut kredisi faizi s\u0131f\u0131r konut i\u00e7in %0.79 olarak aklamay devam ederken ikinci el konut talepleri i\u00e7in %0.95\u2019e \u00e7\u0131kt\u0131. En d\u00fc\u015f\u00fck faiz oran\u0131 ile 200.000 TL tutarda konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde 10 y\u0131l vadeli kredinin toplam geri \u00f6demesi\u00a0 330.000 TL, ayl\u0131k taksitleri ise yakla\u015f\u0131k 2.600 TL oluyor<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merkez Bankas\u0131\u2019n\u0131n politika faizlerinde 100 baz puan indirim yaparak haftal\u0131k repo maliyetlerini tek haneye d\u00fc\u015f\u00fcrmesine ra\u011fmen konut kredisi faizleri artmaya ba\u015flad\u0131. Coronavir\u00fcs\u00fcn ekonomik etkileri nedeniyle iki banka konut kredisi faizlerini artt\u0131rd\u0131. &nbsp; T\u00fcm d\u00fcnyada etkisini h\u0131zla artt\u0131ran coronavirus ekonomi ve piyasalar\u0131n ard\u0131ndan bankalar\u0131n kredi faiz oranlar\u0131n\u0131 da etkilemeye ba\u015flad\u0131. Ge\u00e7ti\u011fimiz y\u0131l\u0131n A\u011fustos ay\u0131ndan itibaren %1\u2019in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22417,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[14166,951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31310"}],"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=31310"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31310\/revisions"}],"predecessor-version":[{"id":31311,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31310\/revisions\/31311"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/22417"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31310"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31310"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}