{"id":31682,"date":"2020-05-05T11:07:03","date_gmt":"2020-05-05T08:07:03","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=31682"},"modified":"2020-05-05T11:07:03","modified_gmt":"2020-05-05T08:07:03","slug":"kamu-bankalarinda-konut-kredisi-faiz-oranlari-mayis-ayinda-dustu","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=31682","title":{"rendered":"Kamu Bankalar\u0131nda Konut Kredisi Faiz Oranlar\u0131 May\u0131s Ay\u0131nda D\u00fc\u015ft\u00fc"},"content":{"rendered":"

2020 Nisan ay\u0131n\u0131n enflasyon oranlar\u0131 a\u00e7\u0131klanmas\u0131 sonras\u0131nda konut kredisi faiz oranlar\u0131 d\u00fc\u015fmeye ba\u015flad\u0131. Kamu bankalar\u0131nda enflasyona endeksli olan konut kredisi faiz oranlar\u0131nda 8 puanl\u0131k bir d\u00fc\u015f\u00fc\u015f oldu.<\/p>\n

Merakla edilen 2020 Nisan ay\u0131 enflasyon oranlar\u0131 da belli oldu. Nisan ay\u0131nda\u00a0T\u00dcFE g\u0131da fiyatlar\u0131nda ya\u015fanan art\u0131\u015fa ba\u011fl\u0131 olarak piyasa beklentilerinin biraz \u00fcst\u00fcnde bir art\u0131\u015f g\u00f6sterdi. Ancak T\u00dcFE\u2019de on iki ayl\u0131k ortalamada d\u00fc\u015f\u00fc\u015f oldu.<\/p>\n

Enflasyon oran\u0131nda 2020 Nisan ay\u0131nda \u00f6nceki aya oranla y\u00fczde 0,85, bir \u00f6nceki sene Aral\u0131k ay\u0131na oranla y\u00fczde 3,16, bir \u00f6nceki sene ayn\u0131 ay\u0131na oranla da y\u00fczde 10,94 ve de on iki ay\u0131n ortalamas\u0131na g\u00f6re de y\u00fczde 12,66 art\u0131\u015f \u00e7\u0131kt\u0131.<\/p>\n

De\u011fi\u015fimlere ba\u011fl\u0131 olarak kamu bankalar\u0131nda enflasyona endeksli konut kredisi faiz oranlar\u0131nda 8 puanl\u0131k d\u00fc\u015f\u00fc\u015f oldu. Ziraat Bankas\u0131, HalkBank ve Vak\u0131fBank ilgili kredi \u00fcr\u00fcn\u00fc dahilinde 2020 May\u0131s ay\u0131nda y\u00fczde 1.10 faizle kredi kulland\u0131rmaya ba\u015flad\u0131.<\/p>\n

Enflasyona endeksli konut kredisi faizleri kulland\u0131r\u0131lmaya ba\u015flanan 2019’un Haziran ay\u0131nda y\u00fczde 1.75, Temmuz ay\u0131nda y\u00fczde 1.50, A\u011fustos ay\u0131nda y\u00fczde 1.57, Eyl\u00fcl ay\u0131nda y\u00fczde 1.44, Ekim ay\u0131nda y\u00fczde 0.96, Kas\u0131m ay\u0131nda y\u00fczde 0.90, Aral\u0131k ay\u0131nda y\u00fczde 1.07 ve de 2020 Ocak ay\u0131nda ise y\u00fczde 1.17, \u015eubat ay\u0131nda ise y\u00fczde 1.20, ve Mart ay\u0131nda y\u00fczde 1.22, Nisan ay\u0131nda y\u00fczde 1.17, ve May\u0131s ay\u0131nda da y\u00fczde 1.10 olacak \u015fekilde uyguland\u0131.<\/p>\n

Merkez Bankas\u0131\u2019n\u0131n y\u0131l sonu i\u00e7in g\u00fcncellenen enflasyon beklentisi %7.4\u2019e indi. Enflasyonda beklenen d\u00fc\u015f\u00fc\u015f\u00fcn ya\u015fanmas\u0131 halinde ilgili kredi \u00fcr\u00fcn\u00fc i\u00e7in faiz oranlar\u0131n\u0131n %0.80\u2019li seviyelere kadar gerilemesi bekleniyor.<\/p>\n

\u00d6zel Bankalar\u0131n Faiz oranlar\u0131nda indirimler H\u0131zland\u0131<\/h2>\n

Coronavir\u00fcs salg\u0131n\u0131 ekonomideki olumsuz etkileri nedeni ile bir \u00e7ok \u00f6zel bankada 2020 Mart ay\u0131 ba\u015f\u0131nda konut kredisi faizlerinde art\u0131\u015fa ge\u00e7mi\u015fti. Merkez Bankas\u0131’n\u0131n politika faizlerinde yapt\u0131\u011f\u0131 indirimler ve bankac\u0131l\u0131k sistemine y\u00f6nelik kararlar\u0131n sonras\u0131da \u00f6zel bankalar tekraradan faizlerini indirmeye ba\u015flad\u0131.<\/p>\n

2020 Nisan ay\u0131 sonunda Garanti BBVA, Kuveyt T\u00fcrk, T\u00fcrkiye Ekonomi Bankas\u0131 (TEB), \u0130NG ve Yap\u0131 Kredi Bankas\u0131 ile ba\u015flayan konut kredisi faiz indirimleri 2020 May\u0131s ay\u0131nda da devam ediyor.<\/p>\n

2020 May\u0131s ay\u0131 ba\u015f\u0131nda \u0130NG, Kuveyt T\u00fcrk Bankas\u0131, T\u00fcrkiye Finans Bankas\u0131 ve Garanti BBVA bir kez daha faiz indirimi ger\u00e7ekle\u015ftirdi. Ayr\u0131ca kamu bankalar\u0131n\u0131n enflasyon endeksli faiz oranlar\u0131 T\u00dcFE\u2019de ya\u015fanan d\u00fc\u015f\u00fc\u015fe ba\u011fl\u0131 olarak geriledi.<\/p>\n

KrediPazari.com\u2019un ara\u015ft\u0131rmalar\u0131na g\u00f6re en d\u00fc\u015f\u00fck konut kredisi faizi kamu bankalar\u0131n\u0131n s\u0131f\u0131r konutlara sundu\u011fu %0.79 olurken, ikinci el konutta ise \u0130NG, Kuveyt T\u00fcrk, T\u00fcrkiye Finans ve Yap\u0131 Kredi Bankas\u0131\u2019n\u0131n uygulad\u0131\u011f\u0131 %0.89\u2019a geriledi.<\/p>\n

5 May\u0131s itibariyle bankalardan 325.000 TL tutarda konut kredisi hesaplama ger\u00e7ekle\u015ftirildi\u011finde kredinin 10 y\u0131l vadede ayl\u0131k taksitleri 4.200 TL oluyor. Vade sonunda yap\u0131lan toplam geri \u00f6deme ise 504.000 TL\u2019 ye denk geliyor.<\/p>\n

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

2020 Nisan ay\u0131n\u0131n enflasyon oranlar\u0131 a\u00e7\u0131klanmas\u0131 sonras\u0131nda konut kredisi faiz oranlar\u0131 d\u00fc\u015fmeye ba\u015flad\u0131. Kamu bankalar\u0131nda enflasyona endeksli olan konut kredisi faiz oranlar\u0131nda 8 puanl\u0131k bir d\u00fc\u015f\u00fc\u015f oldu. Merakla edilen 2020 Nisan ay\u0131 enflasyon oranlar\u0131 da belli oldu. Nisan ay\u0131nda\u00a0T\u00dcFE g\u0131da fiyatlar\u0131nda ya\u015fanan art\u0131\u015fa ba\u011fl\u0131 olarak piyasa beklentilerinin biraz \u00fcst\u00fcnde bir art\u0131\u015f g\u00f6sterdi. Ancak T\u00dcFE\u2019de on […]<\/p>\n","protected":false},"author":1,"featured_media":29019,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[11107,13673,951],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31682"}],"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=31682"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31682\/revisions"}],"predecessor-version":[{"id":31683,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/31682\/revisions\/31683"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/29019"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=31682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=31682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=31682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}