{"id":41040,"date":"2022-11-16T14:26:22","date_gmt":"2022-11-16T11:26:22","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=41040"},"modified":"2022-11-16T14:26:22","modified_gmt":"2022-11-16T11:26:22","slug":"kredi-kisitlamalari-birinci-el-satislarda-acilen-kaldirilmali","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=41040","title":{"rendered":"Kredi k\u0131s\u0131tlamalar\u0131 birinci el sat\u0131\u015flarda acilen kald\u0131r\u0131lmal\u0131"},"content":{"rendered":"<p>T\u00fcrkiye \u0130statistik Kurumu\u2019nun (T\u00dc\u0130K) a\u00e7\u0131klad\u0131\u011f\u0131 veriye g\u00f6re, 2022\u2019nin ekim ay\u0131nda, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 25,3 azal\u0131\u015fla 102 bin 660 konut sat\u0131\u015f\u0131 ger\u00e7ekle\u015fti. Konut sat\u0131\u015flar\u0131 son 4 ayd\u0131r d\u00fc\u015fmeye devam etti. Temmuz ay\u0131ndan itibaren konut kredi k\u0131s\u0131tlamas\u0131 ve a\u011fustos ay\u0131ndan itibaren fiilen konut kredisinin a\u015f\u0131r\u0131 k\u0131s\u0131tlanmas\u0131 ile ipotekli sat\u0131\u015flar, tarihin d\u00fc\u015f\u00fck rakamlar\u0131na eri\u015fti.&nbsp;<\/p>\n<p>Konut fiyatlar\u0131n\u0131n y\u00fckseli\u015fini \u00f6nlemeye d\u00f6n\u00fck al\u0131nan kararlar, konut \u00fcretimini de olumsuz etkilemektedir. 2022 y\u0131l\u0131 hem ipotekli sat\u0131\u015flarda hem de \u00fcreticiden birinci el sat\u0131\u015flarda rekor seviyede d\u00fc\u015f\u00fck bir y\u0131l olarak kapanmaya aday g\u00f6r\u00fcnmektedir. T\u00fcrkiye\u2019de konut \u00fcretimini zorla\u015ft\u0131ran kredi k\u0131s\u0131tlamalar\u0131 \u00fcreticiden birinci el sat\u0131\u015flar i\u00e7in acilen kald\u0131r\u0131lmal\u0131 ve 15 y\u0131l vadeli d\u00fc\u015f\u00fck maliyetli konut kredisi uygulamas\u0131 kamu bankalar\u0131m\u0131z ve kamu kat\u0131l\u0131m bankalar\u0131m\u0131z taraf\u0131ndan etkin hale getirilmelidir.&nbsp;<\/p>\n<p>Konut \u00fcretiminde ipotekli sat\u0131\u015flar \u00fcreticilerin nakit ak\u0131\u015f\u0131n\u0131 do\u011frudan etkilemekte, bunun k\u0131s\u0131lmas\u0131 ise konut \u00fcretimini yava\u015flatmaktad\u0131r. Yava\u015flayan \u00fcretim konutta arz sorununu daha da derinle\u015ftirme riskini beraberinde getirmektedir. Konut fiyatlar\u0131n\u0131n daha da y\u00fckselmesine zemin haz\u0131rlamaktad\u0131r.&nbsp;<\/p>\n<h2><strong>Konut edindirme modeline ihtiya\u00e7 duyulmaktad\u0131r<\/strong><\/h2>\n<p>Gen\u00e7lerimizin, orta gelir grubumuzun, \u00e7al\u0131\u015fan sabit gelirlilerimizin konuta eri\u015fimini sa\u011flayacak kal\u0131c\u0131 bir \u2018konut edindirme modeli\u2019ne ihtiyac\u0131 bulunmaktad\u0131r. Kamu bankalar\u0131m\u0131z toplad\u0131klar\u0131 mevduat\u0131n yakla\u015f\u0131k y\u00fczde 7\u2019sini konut kredisi olarak kulland\u0131r\u0131rken \u00f6zel bankalar\u0131m\u0131z sadece y\u00fczde 2\u2019sini konut kredisi olarak kulland\u0131rmaktad\u0131rlar. Yapm\u0131\u015f oldu\u011fumuz analizlere g\u00f6re \u00fclkemizin ihtiyac\u0131 olan y\u0131ll\u0131k 800 bin konut \u00fcretebilmesi ve gen\u00e7lerimizin konut al\u0131m\u0131na eri\u015febilmesi i\u00e7in toplanan mevduat\u0131n en az y\u00fczde 9\u2019unu eri\u015filebilir konut kredisi olarak kulland\u0131rmalar\u0131 gerekmektedir. Bu \u00fclke ve sekt\u00f6r b\u00fcy\u00fcmesinin, istihdam ve ihtiyac\u0131 kar\u015f\u0131layacak konut \u00fcretiminin s\u00fcrd\u00fcr\u00fclebilir makul seviyelerde devam edebilmesi i\u00e7in \u00e7ok \u00f6nemli bir fakt\u00f6rd\u00fcr. 8,5 trilyon TL\u2019lik mevduat\u0131n i\u00e7inde konut kredi sto\u011fu sadece 350 milyar TL olup, y\u00fczde 4 mertebesindedir. Mevcut durum devam etti\u011fi takdirde konut sat\u0131\u015flar\u0131 ve \u00fcretimi d\u00fc\u015fmeye devam edecektir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye \u0130statistik Kurumu\u2019nun (T\u00dc\u0130K) a\u00e7\u0131klad\u0131\u011f\u0131 veriye g\u00f6re, 2022\u2019nin ekim ay\u0131nda, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 25,3 azal\u0131\u015fla 102 bin 660 konut sat\u0131\u015f\u0131 ger\u00e7ekle\u015fti. Konut sat\u0131\u015flar\u0131 son 4 ayd\u0131r d\u00fc\u015fmeye devam etti. Temmuz ay\u0131ndan itibaren konut kredi k\u0131s\u0131tlamas\u0131 ve a\u011fustos ay\u0131ndan itibaren fiilen konut kredisinin a\u015f\u0131r\u0131 k\u0131s\u0131tlanmas\u0131 ile ipotekli sat\u0131\u015flar, tarihin d\u00fc\u015f\u00fck rakamlar\u0131na eri\u015fti.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":20829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[2355,277,1065],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/41040"}],"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=41040"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/41040\/revisions"}],"predecessor-version":[{"id":41041,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/41040\/revisions\/41041"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/20829"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}