Bankalar\u0131n konut kredisi pe\u015finatlar\u0131n\u0131n d\u00fc\u015fmesi ve faiz oranlar\u0131n\u0131n inmesi ile konut almak i\u00e7in olduk\u00e7a cazip f\u0131rsatlar olu\u015ftu. Peki 300.000 TL\u2019lik ev i\u00e7in ayl\u0131k ne kadar konut kredisi taksiti \u00f6denir?<\/p>\n
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Bankalar\u0131n konut kredisi faizleri yakla\u015f\u0131k 10 ayd\u0131r s\u00fcrekli olarak a\u015fa\u011f\u0131 y\u00f6nl\u00fc ivme sergileyerek son y\u0131llar\u0131n en d\u00fc\u015f\u00fck seviyesine geriledi. Merkez Bankas\u0131’n\u0131n repo faiz indirimlerinin ard\u0131ndan Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) ve T\u00fcrkiye Bankalar Birli\u011fi\u2019nin (TBB) kredi musluklar\u0131n\u0131n a\u00e7\u0131k kalmas\u0131 ve kredi talebinin kar\u015f\u0131lanmas\u0131 y\u00f6n\u00fcndeki destekleri ile hem kredi faiz oranlar\u0131 d\u00fc\u015ft\u00fc hem de kredi kulland\u0131r\u0131m ko\u015fullar\u0131 koyula\u015ft\u0131.<\/p>\n
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Cumhurba\u015fkanl\u0131\u011f\u0131 karar\u0131 ile de coronavirus tedbirleri kapsam\u0131nda %80 olan konut kredisi kullan\u0131m oran\u0131 %90\u2019a \u00e7\u0131kar\u0131larak pe\u015finat oran\u0131 %10\u2019a d\u00fc\u015f\u00fcr\u00fcld\u00fc. Konutta arka arkaya gelen te\u015fviklerle olduk\u00e7a cazip bir d\u00f6nem olu\u015ftu.<\/p>\n
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\u0130\u00e7inde bulundu\u011fumuz hafta son iki y\u0131l\u0131n zirvesine y\u00fckslen d\u00f6viz kuru ve corona salg\u0131n\u0131 nedeniyle olu\u015fan likidite sorunlar\u0131na ra\u011fmen bankalar kredi faiz oranlar\u0131nda de\u011fi\u015fikli\u011fe gitmedi. Merkez Bankas\u0131 ve Hazine ve Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan destekleyici hamlelerin uyguland\u0131\u011f\u0131 bankac\u0131l\u0131k sekt\u00f6r\u00fc likidite kaynaklar\u0131n\u0131n art\u0131r\u0131lmas\u0131 ile uygun faiz oranlar\u0131 ile kredi sunmaya devam ediyor.<\/p>\n
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Bankalarda en uygun konut kredisi faizi s\u0131f\u0131r konutlar i\u00e7in ayl\u0131k %0.79 faiz oran\u0131 ile sunuluyor. \u0130kinci el konut taleplerinde ise bu oran %0.93\u2019e \u00e7\u0131k\u0131yor. \u0130potek yolu ile bankalara ge\u00e7en konutlar\u0131n sat\u0131\u015f\u0131nda avantajlar sunan bankalar kendi gayrimenkul\u00fc konutlar\u0131n sat\u0131\u015f\u0131nda konut kredisi faizlerini %0.69\u2019a kadar indirdi.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 300.000 TL\u2019lik konut i\u00e7in %10 pe\u015finat pay\u0131 d\u00fc\u015ft\u00fckten sonra 270.000 TL konut kredisi kullan\u0131l\u0131yor. Kredinin s\u0131f\u0131r konutlar i\u00e7in 15 y\u0131l vadede ayl\u0131k taksitleri 2.800 TL oluyor.<\/p>\n
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S\u00f6z konusu kredi ikinci el konutlar i\u00e7in kullan\u0131ld\u0131\u011f\u0131nda 15 y\u0131l vadede en uygun ayl\u0131k taksitler 3100 TL, 10 y\u0131l vadede ise 3.750 TL oluyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Bankalar\u0131n konut kredisi pe\u015finatlar\u0131n\u0131n d\u00fc\u015fmesi ve faiz oranlar\u0131n\u0131n inmesi ile konut almak i\u00e7in olduk\u00e7a cazip f\u0131rsatlar olu\u015ftu. Peki 300.000 TL\u2019lik ev i\u00e7in ayl\u0131k ne kadar konut kredisi taksiti \u00f6denir? Bankalar\u0131n konut kredisi faizleri yakla\u015f\u0131k 10 ayd\u0131r s\u00fcrekli olarak a\u015fa\u011f\u0131 y\u00f6nl\u00fc ivme sergileyerek son y\u0131llar\u0131n en d\u00fc\u015f\u00fck seviyesine geriledi. Merkez Bankas\u0131’n\u0131n repo faiz indirimlerinin ard\u0131ndan […]<\/p>\n","protected":false},"author":1,"featured_media":23281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[951,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31359"}],"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=31359"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31359\/revisions"}],"predecessor-version":[{"id":31360,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31359\/revisions\/31360"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/23281"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}