{"id":31429,"date":"2020-04-21T15:51:44","date_gmt":"2020-04-21T12:51:44","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=31429"},"modified":"2020-04-21T15:51:44","modified_gmt":"2020-04-21T12:51:44","slug":"ikinci-el-evlerde-konut-kredisi-faizleri-0-89a-indi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=31429","title":{"rendered":"\u0130kinci El Evlerde Konut Kredisi Faizleri 0.89\u2019a \u0130ndi"},"content":{"rendered":"

K\u00fcresel ekonomi yeni tip coronavirus (Covid-19) nedeniyle olduk\u00e7a olumsuz seyretmesi, yurt i\u00e7inde d\u00f6viz kuru ve kredi riskinin artmas\u0131na ra\u011fmen konut kredisi oranlar\u0131 d\u00fc\u015fmeye devam ediyor. \u0130kinci el evlerde kredi faiz oran\u0131 %0.89\u2019a geriledi.<\/p>\n

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Ge\u00e7ti\u011fimiz y\u0131l\u0131n son d\u00f6nemlerinde \u00c7in\u2019de ortaya \u00e7\u0131kan coronavirus k\u0131sa s\u00fcrede t\u00fcm d\u00fcnya geneline yay\u0131larak pandemik bir boyut kazand\u0131. Salg\u0131n\u0131n merkezi \u00c7in\u2019den Avrupa ve ABD\u2019 ye yay\u0131l\u0131rken k\u00fcresel ekonomi s\u00fcre\u00e7ten olduk\u00e7a olumsuz etkilendi.<\/p>\n

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K\u00fcresel merkez bankalar\u0131n\u0131n geni\u015flemeci politikalar\u0131 ve destekleri ile geli\u015fmekte olan para birimleri de\u011fer kaybederken risk i\u015ftah\u0131n\u0131n azalmas\u0131 ile dolar ve alt\u0131n gibi varl\u0131klarda g\u00fcvenli liman al\u0131mlar\u0131 artt\u0131. Dolar kuru yurt i\u00e7inde ge\u00e7ti\u011fimiz haftadan itibaren 2018 a\u011fustos sonras\u0131ndaki en y\u00fcksek seviyeye \u00e7\u0131karak 6.95 \u2018\u00fczerini test ediyor.<\/p>\n

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Ons alt\u0131n ise 1.700 dolar seviyelerinde hareket ediyor. Dolardaki y\u00fckseli\u015fle beraber yurt i\u00e7inde gram alt\u0131n fiyatlar\u0131 tarihi rekor k\u0131rd\u0131ktan sonra yeni haftada 377 lira seviyelerinde konum buldu.<\/p>\n

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T\u00fcrk Liras\u0131n\u0131n da k\u00fcresel ekonomik durum kar\u015f\u0131s\u0131nda geli\u015fen para birimleri kar\u015f\u0131s\u0131nda de\u011fer kaybetmesi ve salg\u0131n\u0131n ekonomik boyutlar\u0131n\u0131n yurt i\u00e7inde hissedilmeye ba\u015flanmas\u0131 sonucu T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131, T\u00fcrkiye Bankalar Birli\u011fi ve Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu bir dizi \u00f6nlemler a\u00e7\u0131klad\u0131.<\/p>\n

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Bankalar\u0131n likiditeye eri\u015fiminin kolayla\u015ft\u0131r\u0131lmas\u0131, piyasa yap\u0131c\u0131 bankalara d\u00fc\u015f\u00fck maliyetlerle repo ihalesi sunulmas\u0131 ve bankalar\u0131n tahvil al\u0131mlar\u0131na y\u00f6nelik ad\u0131mlar\u0131n yan\u0131nda t\u00fcketiciye y\u00f6nelik olarak kredi bor\u00e7lar\u0131na erteleme, yeniden yap\u0131land\u0131rma ve ihtiya\u00e7 duyulan sekt\u00f6rlere risklere kar\u015f\u0131n kredi sa\u011flanmas\u0131 gibi pek \u00e7ok \u00f6nlem al\u0131nd\u0131.<\/p>\n

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Bankalar\u0131n likidite masraflar\u0131 azalt\u0131lm\u0131\u015f ve kredi kulland\u0131r\u0131m\u0131na te\u015fvik edilmi\u015f olsada baz\u0131 bankalarda ihtiya\u00e7 ve konut kredisi faizleri son bir ayl\u0131k s\u00fcre\u00e7te art\u0131\u015f g\u00f6steriyordu. D\u00fcn itibariyle konut kredisinde dev bir faiz indirimi ger\u00e7ekle\u015fti.<\/p>\n

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En uygun faiz oranlar\u0131 kamu bankalar\u0131 taraf\u0131ndan s\u0131f\u0131r konutlar i\u00e7in %0.79 ve ikinci el konutlar i\u00e7in %0.94 olarak kulland\u0131r\u0131l\u0131yordu. Yap\u0131 Kredi Bankas\u0131\u2019n\u0131n uygulad\u0131\u011f\u0131 indirim sonras\u0131nda banka s\u0131f\u0131r yada ikinci el ay\u0131rmaks\u0131z\u0131n t\u00fcm konut talepleri i\u00e7in limit s\u0131n\u0131r\u0131 olmayarak faiz oranlar\u0131n\u0131 %0.89\u2019a d\u00fc\u015f\u00fcrd\u00fc. \u0130kinci el konut kredisinde en d\u00fc\u015f\u00fck oran %0.89 oldu.<\/p>\n

12.500 Lira Kar Ger\u00e7ekle\u015fti<\/h2>\n

KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na 21 Nisan itibariyle g\u00fcncel faiz oranlar\u0131 ile 300.000 TL tutardan 10 y\u0131l vade ile ikinci el daire i\u00e7in konut kredisi hesaplama yap\u0131ld\u0131\u011f\u0131nda kredinin ayl\u0131k taksit tutarlar\u0131 4.100 TL, toplam geri \u00f6demesi de 489.500 TL oluyor.<\/p>\n

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S\u00f6z konusu tutar ve vadeli kredi hesaplamas\u0131 faiz indiriminden \u00f6nce ayl\u0131k yakla\u015f\u0131k 4.200 TL, toplam geri \u00f6demede ise 502.000 TL\u2019 ye denk geliyordu.<\/p>\n

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K\u00fcresel ekonomi yeni tip coronavirus (Covid-19) nedeniyle olduk\u00e7a olumsuz seyretmesi, yurt i\u00e7inde d\u00f6viz kuru ve kredi riskinin artmas\u0131na ra\u011fmen konut kredisi oranlar\u0131 d\u00fc\u015fmeye devam ediyor. \u0130kinci el evlerde kredi faiz oran\u0131 %0.89\u2019a geriledi.   Ge\u00e7ti\u011fimiz y\u0131l\u0131n son d\u00f6nemlerinde \u00c7in\u2019de ortaya \u00e7\u0131kan coronavirus k\u0131sa s\u00fcrede t\u00fcm d\u00fcnya geneline yay\u0131larak pandemik bir boyut kazand\u0131. Salg\u0131n\u0131n merkezi \u00c7in\u2019den […]<\/p>\n","protected":false},"author":1,"featured_media":11104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[14197,954],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31429"}],"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=31429"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31429\/revisions"}],"predecessor-version":[{"id":31430,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31429\/revisions\/31430"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/11104"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}