Coronavir\u00fcs sonras\u0131nda kamu bankalar\u0131 ba\u015fta olmak \u00fczere bankalar\u0131n kredi destekleri artm\u0131\u015ft\u0131. Kredi yap\u0131land\u0131rma, kredi erteleme ve faizlerde geri kalan \u00f6zel bankalar\u0131n konut kredisi destekleri artacak m\u0131?<\/p>\n
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Coronavirus salg\u0131n\u0131n ekonomik etkilerini azaltmak i\u00e7in T\u00fcrkiye Bankalar Birli\u011fi (TBB) ile bankalar\u0131n beraber devreye ald\u0131\u011f\u0131 Ekonomik \u0130stikrar Kalkan\u0131 paketi kapsam\u0131nda kamu<\/p>\n
bankalar\u0131 ba\u015fta olmak \u00fczere bir\u00e7ok banka kredi bor\u00e7lar\u0131n\u0131 yap\u0131land\u0131rma ve kredi erteleme f\u0131rsat\u0131n\u0131n yan\u0131nda ihtiyac\u0131 olan t\u00fcketicilere uygun ko\u015fullarla yeni finansmanlar kulland\u0131rmaya ba\u015flad\u0131.<\/p>\n
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Kamu bankalar\u0131n\u0131n \u00f6nc\u00fcl\u00fck etti\u011fi destek kapsam\u0131nda Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank bireysel m\u00fc\u015fterilerinin konut, ihtiya\u00e7 ve ta\u015f\u0131t kredisi bor\u00e7lar\u0131n\u0131 alt\u0131 aya kadar erteliyor. Ayr\u0131ca bankalar erteleme faizini kredi vadesinin geri kalan\u0131na yayarak \u00f6deme kolayl\u0131\u011f\u0131 sunuyor. S\u00f6z konusu kampanya kapsam\u0131nda en \u00e7ok etkilenen sekt\u00f6rlerin ticari kredileri i\u00e7in 12 aya kadar kredi erteleme uygulan\u0131yor.<\/p>\n
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Ayr\u0131ca HalkBank b\u00fcnyesinde esnaflara \u00f6zel olarak uygun \u00f6deme ko\u015fullar\u0131yla 25.000 TL kredi ve 25.000 TL kredi kart\u0131 deste\u011fi sunuluyor. Yo\u011fun talep g\u00f6ren kredi deste\u011fine ba\u015fvurular\u0131n 290.000 buldu\u011funu, bunun 164.000\u2019iniyle ilgili s\u00fcrecin tamamland\u0131\u011f\u0131n\u0131, 4 milyar 100 milyon liraya yak\u0131n kaynak tahsisi yapt\u0131. Destekler kapsam\u0131nda \u00fc\u00e7 kamu bankas\u0131n\u0131n ticari ve kurumsal i\u015fletmelerin yakla\u015f\u0131k 21 milyar liral\u0131k borcunu erteledi.<\/p>\n
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S\u00f6z konusu kampanya kapsam\u0131nda bir\u00e7ok \u00f6zel bankada destekte bulunaca\u011f\u0131n\u0131 a\u00e7\u0131klam\u0131\u015ft\u0131. Ge\u00e7ti\u011fimiz haftalarda Hazine ve Maliye Bakan\u0131 Berat Albayrak s\u00fcrecin takip\u00e7isi olduklar\u0131n\u0131 ve \u00f6zel bankalar\u0131nda taahh\u00fct ettikleri desteklere ba\u015flamalar\u0131n\u0131 beklediklerini ifade etmi\u015fti.<\/p>\n
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\u00d6zel bankalardan Akbank, DenizBank, Garanti BBVA, HalkBank, \u0130\u015f Bankas\u0131, Kuveyt T\u00fcrk Kat\u0131l\u0131m Bankas\u0131, QNB Finansbank, \u015eekerBank, T\u00fcrkiye Ekonomi Bankas\u0131 (TEB) ve Yap\u0131 Kredi Bankas\u0131 ekonomik destek paketleri dahilinde m\u00fc\u015fterilerinin kredilerini en az \u00fc\u00e7 aya kadar erteledi\u011fini a\u00e7\u0131klam\u0131\u015ft\u0131.<\/p>\n
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\u00d6zel bankalara t\u00fcketici derneklerinden, esnaf ve sanayi odalar\u0131 ve birliklerinden son g\u00fcnlerde kredi erteleme finansman kolayl\u0131\u011f\u0131 sa\u011flamad\u0131klar\u0131 y\u00f6n\u00fcnde pek \u00e7ok tepki gelmi\u015fti. Ayr\u0131ca bankalar t\u00fcketici taraf\u0131nda\u00a0 da konut kredisi erteleme faizlerinin \u00e7ok y\u00fcksek olmas\u0131 ve t\u00fcm erteleme faizinin ertelemenin bitti\u011fi ayda toplu olarak tahsil edilmesi a\u00e7\u0131s\u0131ndan tepki g\u00f6stermi\u015fti.<\/p>\n
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Cumhurba\u015fkan\u0131 Erdo\u011fan bug\u00fcn konuya ili\u015fkin yapt\u0131\u011f\u0131 a\u00e7\u0131klamada 800.000\u2019e yak\u0131n vatanda\u015f\u0131n 41 milyar liray\u0131 bulan konut kredisi, ihtiya\u00e7 kredisi, ta\u015f\u0131t kredisi ve kredi kart\u0131 borcunun talepleri \u00fczerine kamu bankalar\u0131 taraf\u0131ndan ertelendi\u011fini belirterek \u00f6zel bankalar\u0131n bu s\u00fcre\u00e7te olduk\u00e7a geri kald\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n
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Erdo\u011fan \u2018\u2018Kamu olarak t\u00fcm sekt\u00f6rleri desteklemek i\u00e7in t\u00fcm imkanlar\u0131m\u0131z\u0131 seferber ederken, maalesef \u00f6zel bankalar bu s\u00fcre\u00e7te hi\u00e7 de iyi bir imtihan vermiyorlar. \u00dclkemizin ve milletimizin i\u00e7inden ge\u00e7ti\u011fi bu zor d\u00f6nemde, \u00f6zel bankalar\u0131n da \u00fczerlerine d\u00fc\u015fenleri yapmas\u0131n\u0131 bekliyoruz.” diye konu\u015ftu.<\/p>\n
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A\u00e7\u0131klamalar\u0131n ard\u0131ndan \u00f6zel bankalar\u0131n konut kredisi \u00fcr\u00fcnlerinde ve konut kredisi erteleme i\u015flemlerinde bir iyile\u015ftirme olup olmayaca\u011f\u0131 merak edilmeye ba\u015fland\u0131.<\/p>\n
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G\u00fcncel olarak konut kredisinde en d\u00fc\u015f\u00fck faiz oran\u0131 kamu bankalar\u0131n\u0131n s\u0131f\u0131r konuta uygulad\u0131\u011f\u0131 %0.79 seviyesinde. \u0130kinci el konut i\u00e7in de 10 y\u0131l vadede en uygun yine kamu bankalar\u0131n\u0131n sundu\u011fu %0.94 olurken 5 y\u0131la kadar taleplerde T\u00fcrkiye Finansbank %0.93 oran sunuyor.<\/p>\n
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KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re 200.000 TL tutarda konut kredisinin 10 y\u0131l vadede en uygun ayl\u0131k taksitleri yakla\u015f\u0131k 2.500 TL oluyor. Kredinin vade sonunda toplam geri \u00f6demesi de 310.000 TL\u2019 ye denk geliyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
Coronavir\u00fcs sonras\u0131nda kamu bankalar\u0131 ba\u015fta olmak \u00fczere bankalar\u0131n kredi destekleri artm\u0131\u015ft\u0131. Kredi yap\u0131land\u0131rma, kredi erteleme ve faizlerde geri kalan \u00f6zel bankalar\u0131n konut kredisi destekleri artacak m\u0131? Coronavirus salg\u0131n\u0131n ekonomik etkilerini azaltmak i\u00e7in T\u00fcrkiye Bankalar Birli\u011fi (TBB) ile bankalar\u0131n beraber devreye ald\u0131\u011f\u0131 Ekonomik \u0130stikrar Kalkan\u0131 paketi kapsam\u0131nda kamu bankalar\u0131 ba\u015fta olmak \u00fczere bir\u00e7ok banka kredi […]<\/p>\n","protected":false},"author":1,"featured_media":26671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[2433,80,951,277],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31368"}],"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=31368"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31368\/revisions"}],"predecessor-version":[{"id":31369,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31368\/revisions\/31369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/26671"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31368"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31368"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31368"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}