{"id":3957,"date":"2016-08-07T10:55:18","date_gmt":"2016-08-07T07:55:18","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=3957"},"modified":"2018-07-05T14:29:37","modified_gmt":"2018-07-05T11:29:37","slug":"konutta-faiz-indirimi-geliyor-vatandas-30-bin-tl-kazandiracak","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=3957","title":{"rendered":"Konutta faiz indirimi geliyor, vatanda\u015f 30 bin TL kazand\u0131racak!"},"content":{"rendered":"

<\/del>Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n \u2018Y\u0131ll\u0131k faizi y\u00fczde 9\u2019a \u00e7ekin\u2019 \u00e7a\u011fr\u0131s\u0131n\u0131n ard\u0131ndan, bankalar harekete ge\u00e7ti. Beklenen ad\u0131m at\u0131ld\u0131\u011f\u0131nda vatanda\u015f, konut al\u0131rken 100 bin lira 10 y\u0131l vadeli krediye 30 bin 353 lira daha az faiz \u00f6deyecek.<\/p>\n

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Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n \u2018Y\u0131ll\u0131k faizi y\u00fczde 9\u2019a \u00e7ekin\u2019 \u00e7a\u011fr\u0131s\u0131n\u0131n ard\u0131ndan, bankalar harekete ge\u00e7ti. Beklenen ad\u0131m at\u0131ld\u0131\u011f\u0131nda vatanda\u015f, konut al\u0131rken 100 bin lira 10 y\u0131l vadeli krediye 30 bin 353 lira daha az faiz \u00f6deyecek.<\/p>\n

Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n “Konut al\u0131mlar\u0131nda \u00f6zellikle devlet ve \u00f6zel sekt\u00f6r bankalar\u0131 l\u00fctfen \u015fu faiz oranlar\u0131n\u0131 y\u0131ll\u0131k \u015f\u00f6yle y\u00fczde 9’a do\u011fru \u00e7ekin, s\u00fcr\u00fcmden kazan\u0131n” \u015feklindeki \u00e7a\u011fr\u0131s\u0131n\u0131n ard\u0131ndan, bankalar indirim i\u00e7in \u00e7al\u0131\u015fmalara ba\u015flad\u0131. Bankalar\u0131n yapaca\u011f\u0131 indirim merakla beklenirken; Takvim, Cumhurba\u015fkan\u0131’n\u0131n teklifinin vatanda\u015fa sa\u011flayaca\u011f\u0131 katk\u0131y\u0131 hesaplad\u0131. 100 bin lira 10 y\u0131l vadeli konut kredisi kullanan vatanda\u015f, 30 bin 353 lira daha az \u00f6deyecek.<\/p>\n

\u015eU AN NASIL?<\/h2>\n

Halen bankalar, 120 ay vadeli 100 bin lira konut kredisi i\u00e7in ortalama ayl\u0131k y\u00fczde 1.12, y\u0131ll\u0131k y\u00fczde 13.44 faiz uyguluyor. Bu faiz oranlar\u0131ndan kredi kullanan t\u00fcketicinin, ayl\u0131k bin 519 lira 17 kuru\u015f taksit, 120 ayda ana para art\u0131 + faiz olarak toplam 182 bin 363 lira \u00f6demesi gerekiyor. Yani mevcut faiz oranlar\u0131na g\u00f6re 100 bin lira kredi i\u00e7in 82 bin 363 lira faiz \u00f6deniyor.<\/p>\n

<\/p>\n

NE DE\u011e\u0130\u015eECEK?<\/h2>\n

E\u011fer bankalar Cumhurba\u015fkan\u0131’n\u0131n \u00f6nerisi kapsam\u0131nda y\u0131ll\u0131k faizi y\u00fczde 9’a \u00e7ekerse, konut kredisinin vatanda\u015fa maliyeti \u00f6nemli oranda d\u00fc\u015fecek. Y\u0131ll\u0131k y\u00fczde 9 faiz, ayl\u0131k y\u00fczde 0.75 faiz anlam\u0131na geliyor. Bu faizle 120 ay vadeli 100 bin lira kredi kullan\u0131l\u0131rsa, ayl\u0131k bin 266 lira 76 kuru\u015f taksit, 120 ayda ana para + faiz olarak toplam 152 bin 10 lira \u00f6denmesi gerekecek. Yani faiz y\u00fczde 9’a inerse, 100 bin lira 120 ay vadeli kredi i\u00e7in 52 bin 10 lira faiz \u00f6denecek. Vatanda\u015f, 120 ay vadeli 10 bin lira kredide 30 bin 353 lira (182.363 – 152.010 = 30.353 TL) daha az faiz \u00f6demi\u015f olacak. Emlak Konut ve GYODER de 86 projede 52 bin konut i\u00e7in ayl\u0131k faiz oran\u0131n\u0131 y\u00fczde 0.70’e \u00e7ekmi\u015fti.<\/p>\n

BANKALAR HEMEN D\u00dc\u011eMEYE BASTI<\/h2>\n

Cumhurba\u015fkan\u0131’n\u0131n \u00e7a\u011fr\u0131s\u0131n\u0131n ard\u0131ndan bankalar harekete ge\u00e7ti. Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), d\u00fcn T\u00fcrkiye Bankalar Birli\u011fi (TBB) ve Kat\u0131l\u0131m Bankalar\u0131 Birli\u011fi y\u00f6neticileri ile bir araya geldi. Sekt\u00f6rde faaliyet g\u00f6steren b\u00fcy\u00fck bankalar\u0131n kat\u0131ld\u0131\u011f\u0131 toplant\u0131da; kredi faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesinden kredi kart\u0131 taksit say\u0131s\u0131n\u0131n art\u0131r\u0131lmas\u0131na, t\u00fcketici kredilerinde vadenin uzat\u0131lmas\u0131ndan yeni finansman imkanlar\u0131na kadar bir\u00e7ok konu masaya yat\u0131r\u0131ld\u0131. Kredi kart\u0131nda taksit say\u0131s\u0131n\u0131n 9’dan 12’ye, t\u00fcketici kredisi vadelerinin de 36 aya y\u00fckseltilmesi g\u00fcndeme geldi.<\/p>\n

D\u00dcNYADA B\u00d6YLE B\u0130R ORAN YOK!<\/h2>\n

Takvim yazar\u0131 Do\u00e7. Dr. Kadir Tuna, halen faizlerin y\u00fcksek oldu\u011funa, indirim yap\u0131lmas\u0131n\u0131n kredi taleplerinde ciddi art\u0131\u015f sa\u011flayaca\u011f\u0131na dikkat \u00e7ekti. Tuna, \u015funlar\u0131 kaydetti: “Kulland\u0131\u011f\u0131m\u0131z her 100 TL’lik konut kredisi i\u00e7in 82 TL faiz \u00f6d\u00fcyoruz. D\u00fcnyan\u0131n hi\u00e7bir \u00fclkesinde konut kredisi i\u00e7in b\u00f6yle bir faiz \u00f6denmiyor. \u00d6dedi\u011fimiz masraflar\u0131 da eklersek, bug\u00fcnk\u00fc kredi faizlerinin konut al\u0131mlar\u0131n\u0131 cayd\u0131r\u0131c\u0131 bir etkisi var. Say\u0131n Cumhurba\u015fkan\u0131m\u0131z, bankalara ‘K\u00e2rl\u0131l\u0131kta fedakarl\u0131k yap\u0131n ve daha fazla konut kredisi verin’ diyor. Bu son derece yerinde bir \u00f6neri. Faizlerin d\u00fc\u015fmesi, kredi taleplerinde ciddi art\u0131\u015f sa\u011flayacakt\u0131r.”<\/p>\n

120 AY VADEL\u0130 100 B\u0130N TL KRED\u0130..<\/h2>\n

<\/p>\n

Takvim<\/p>\n<\/div>\n

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

Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n \u2018Y\u0131ll\u0131k faizi y\u00fczde 9\u2019a \u00e7ekin\u2019 \u00e7a\u011fr\u0131s\u0131n\u0131n ard\u0131ndan, bankalar harekete ge\u00e7ti. Beklenen ad\u0131m at\u0131ld\u0131\u011f\u0131nda vatanda\u015f, konut al\u0131rken 100 bin lira 10 y\u0131l vadeli krediye 30 bin 353 lira daha az faiz \u00f6deyecek. Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n \u2018Y\u0131ll\u0131k faizi y\u00fczde 9\u2019a \u00e7ekin\u2019 \u00e7a\u011fr\u0131s\u0131n\u0131n ard\u0131ndan, bankalar harekete ge\u00e7ti. Beklenen ad\u0131m at\u0131ld\u0131\u011f\u0131nda vatanda\u015f, konut al\u0131rken 100 bin lira 10 […]<\/p>\n","protected":false},"author":1,"featured_media":1921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,27],"tags":[459,278,2710,956,2711,11073,80,951,2709,441,11320,89,11514],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/3957"}],"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=3957"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/3957\/revisions"}],"predecessor-version":[{"id":3958,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/3957\/revisions\/3958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/1921"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3957"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3957"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3957"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}