{"id":31366,"date":"2020-04-13T09:37:48","date_gmt":"2020-04-13T06:37:48","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=31366"},"modified":"2020-04-13T09:37:48","modified_gmt":"2020-04-13T06:37:48","slug":"2020-nisan-ortasinda-konut-kredisi-faizlerinde-son-duru","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=31366","title":{"rendered":"2020 Nisan Ortas\u0131nda Konut Kredisi Faizlerinde Son Duru\u00a0"},"content":{"rendered":"

Coronavirus salg\u0131n\u0131 kredi faiz oranlar\u0131n\u0131 nas\u0131l etkiledi. 2020 Nisan ortas\u0131nda konut kredisi faiz oranlar\u0131nda son durum ne oldu?<\/p>\n

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T\u00fcm d\u00fcnyay\u0131 etkisi alt\u0131na alan coronavirus pandemisi bankalar\u0131n kredi \u00fcr\u00fcnleri ve kredi faiz oranlar\u0131 \u00fczerinde de etkili oldu. Salg\u0131n\u0131n g\u00f6r\u00fclmesi ile ekonomik istikrar\u0131 korumak i\u00e7in al\u0131nan tedbirler kapsam\u0131nda hem \u00f6zel bankalar hem de kamu bankalar\u0131 elini ta\u015f\u0131n alt\u0131na koyarak t\u00fcketiciye pek \u00e7ok destek sundu.<\/p>\n

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Bankalar ekonomik istikrar kalkan\u0131 projesi kapsam\u0131nda t\u00fcketicilerinin ta\u015f\u0131t, konut ve ihtiya\u00e7 kredisi bor\u00e7lar\u0131n\u0131 erteliyor. Buna ek olarak ihtiyac\u0131 olan t\u00fcketiciler i\u00e7in finansman kanallar\u0131n\u0131 a\u00e7\u0131k tutarken %0.79\u2019dan ba\u015flayan faiz oranlar\u0131 ile ihtiya\u00e7 kredisi, %0.49\u2019den ba\u015flayan faizlerde ta\u015f\u0131t kredisi kullanabilmek m\u00fcmk\u00fcn.<\/p>\n

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Bankalar\u0131n konut kredisi faizlerine bak\u0131ld\u0131\u011f\u0131nda ise en d\u00fc\u015f\u00fck faiz oran\u0131 s\u0131f\u0131r konutlar i\u00e7in %0.79 seviyesinde yer al\u0131yor. \u0130kinci el konutlar i\u00e7in de 5 y\u0131l vadeye kadar %0.93, 15 y\u0131l vadeye kadar ise %0.94 olarak uygulan\u0131yor.<\/p>\n

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Konut kredisi faiz oranlar\u0131n\u0131n salg\u0131n riskine ra\u011fmen halen d\u00fc\u015f\u00fck seyretmesi konut sekt\u00f6r\u00fcnde ve kredi kullan\u0131m\u0131nda yeni bir trend ba\u015flatt\u0131. T\u00fcketiciler coronavirus nedeniyle evlerinden \u00e7\u0131kmadan sanal turlar vas\u0131tas\u0131 ile konutlar\u0131 gezip online \u015fekilde konut kredisi i\u015flemlerini ger\u00e7ekle\u015ftirerek evlerinden konut ve kredi alabiliyor.<\/p>\n

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13 Nisan itibariyle bankalardan 350.000 TL tutarda konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin en d\u00fc\u015f\u00fck ayl\u0131k taksitleri 10 y\u0131l vade i\u00e7in 4.500 TL oluyor. Kredinin vade sonunda masraflar hari\u00e7 toplam anapara ve faiz \u00f6demesi ise 543.000 TL\u2019 ye kar\u015f\u0131l\u0131k geliyor.<\/p>\n

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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re Nisan ortas\u0131nda en uygun konut kredisi faiz oran\u0131 sunan bankalar \u015fu \u015fekilde,<\/p>\n

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T\u00fcrkiye Finans<\/p>\n

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T\u00fcrkiye Finans Kat\u0131l\u0131m Bankas\u0131 10 y\u0131l vadeye dek kampanyal\u0131 banka gayrimenkul\u00fc konut finansman\u0131 i\u00e7in ayl\u0131k %0.69 oran\u0131 ile konut finansman\u0131 kulland\u0131r\u0131yor.<\/p>\n

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Kamu Bankalar\u0131<\/p>\n

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Kamu bankalar\u0131 ilk kez sat\u0131\u015fa sunulan konutlar i\u00e7in ortak kredi kampanyas\u0131 sunuyor. Ziraat Bankas\u0131, HalkBank, Vak\u0131fBank ve Ziraat Kat\u0131l\u0131m Bankas\u0131 s\u0131f\u0131r konut i\u00e7in ayl\u0131k %0.79 faiz oran\u0131 ile 15 y\u0131l vadeye kadar kredi kulland\u0131r\u0131yor.<\/p>\n

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\u0130\u015f Bankas\u0131<\/p>\n

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\u0130\u015f Bankas\u0131 %1.75 tabela faiz oran\u0131 sunsada kampanyal\u0131 \u00fcr\u00fcnleri i\u00e7in %0.95 faizle konut kredisi sa\u011fl\u0131yor.<\/p>\n

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Akbank<\/p>\n

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Akbank 10 y\u0131l vadeye kadar ayl\u0131k %0.97 faiz oran\u0131 ile kredi sunuyor.<\/p>\n

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Yap\u0131 Kredi<\/p>\n

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Yap\u0131 Kredi Bankas\u0131 10 y\u0131la dek t\u00fcm vadelerde %0.99 faiz oran\u0131 ile kredi kulland\u0131r\u0131yor.<\/p>\n

 <\/p>\n

Garanti BBVA<\/p>\n

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Garanti BBVA 10 y\u0131l vadeye kadar %1.03 faiz oran\u0131 ile kredi sunuyor.<\/p>\n

\n
<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Coronavirus salg\u0131n\u0131 kredi faiz oranlar\u0131n\u0131 nas\u0131l etkiledi. 2020 Nisan ortas\u0131nda konut kredisi faiz oranlar\u0131nda son durum ne oldu?   T\u00fcm d\u00fcnyay\u0131 etkisi alt\u0131na alan coronavirus pandemisi bankalar\u0131n kredi \u00fcr\u00fcnleri ve kredi faiz oranlar\u0131 \u00fczerinde de etkili oldu. Salg\u0131n\u0131n g\u00f6r\u00fclmesi ile ekonomik istikrar\u0131 korumak i\u00e7in al\u0131nan tedbirler kapsam\u0131nda hem \u00f6zel bankalar hem de kamu bankalar\u0131 elini […]<\/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\/31366"}],"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=31366"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31366\/revisions"}],"predecessor-version":[{"id":31367,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31366\/revisions\/31367"}],"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=31366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}