Yeni konut kampanyas\u0131nda uygulanacak olan konut kredisinde vatanda\u015f\u0131n gelirine g\u00f6re faiz uygulanacak, faiz oranlar\u0131 ise 0.69 ile 1,20 aras\u0131nda olacak. Kampanyada \u00fc\u00e7 farkl\u0131 faiz oran\u0131 belirlenecek ve Aral\u0131k ay\u0131nda ba\u015flayacak. Yeni kampanya hakk\u0131nda detaylar \u015f\u00f6yle…<\/p>\n
Konut \u00fcreticilerinin bekledi\u011fi konut kampanyas\u0131 ile ilgili ayr\u0131nt\u0131lar da ortaya \u00e7\u0131kmaya ba\u015flad\u0131. Alt, orta ve \u00fcst gelirli vatanda\u015flar i\u00e7in \u00fc\u00e7 farkl\u0131 faiz oran\u0131 bulunmas\u0131, bu kampanyada faiz oranlar\u0131n\u0131n 0.69 ile 1.20 aras\u0131nda olmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Konut piyasas\u0131n\u0131 canland\u0131rmas\u0131 beklenen kampanya Aral\u0131k ay\u0131nda ba\u015flayacak. Yeni konut kredisinde he vatanda\u015f\u0131n gelirine g\u00f6re faiz uygulan\u0131rken, faiz oranlar\u0131 da 0.69\u2019 oran\u0131ndan ba\u015flayacak. \u00dc\u00e7 farkl\u0131 faiz oranla ba\u015flayacak kampanya Aral\u0131k ay\u0131nda ba\u015flayacak. <\/p>\n
Devlet bankalar\u0131nda ve \u00f6zel bankalarda hem konut kredi faizlerinin y\u00fckselmesi, hem de verilen konut kredilerinin miktar\u0131n\u0131n 300 bin TL band\u0131nda kalmas\u0131, T\u00fcrkiye\u2019de konut sat\u0131\u015flar\u0131n\u0131 cok sert bir \u015fekilde d\u00fc\u015fmesine neden olurken, konut sekt\u00f6r\u00fcn\u00fcn g\u00f6z\u00fc kamunun ba\u015flataca\u011f\u0131 yeni kampanyaya kilitlendi.<\/p>\n
Nas\u0131l Bir Ekonomi Gazetesi\u2018n yay\u0131nlanan Leyla \u0130lhan\u2018\u0131n haberine g\u00f6re; Hazine ve Maliye Bakan\u0131 Nureddin Nebati, haz\u0131rlanacak kampanya ilgili olarak 12 Kas\u0131m 2022\u2019de m\u00fcteahhitlerle bir araya gelerek beklentilerini ald\u0131. Sekt\u00f6rden edindi\u011fimiz bilgilere g\u00f6re 2022 aral\u0131k ay\u0131nda \u00e7\u0131kmas\u0131 beklenen kampanya kapsam\u0131nda, kamu bankalar\u0131 \u00f6nc\u00fcl\u00fc\u011f\u00fcnde, ki\u015filere krediye ula\u015fma imkan\u0131 verilecek. Alt, orta ve y\u00fcksek gelir grubuna g\u00f6re \u00fc\u00e7 farkl\u0131 se\u00e7ene\u011fin yer alaca\u011f\u0131 kampanyada, faiz oranlar\u0131n\u0131n y\u00fczde 0,69 ila 1,20 aras\u0131nda olmas\u0131 bekleniyor. Kampanyan\u0131n, d\u00fc\u015fen yerli talebi yeniden artmas\u0131, sekt\u00f6r\u00fcn yeni y\u0131l\u0131n ilk 2-3 ay\u0131n\u0131 hareketli ge\u00e7irmesi ve in\u015faat i\u00e7in bekleyen projelerin de ba\u015flamas\u0131n\u0131 sa\u011flayaca\u011f\u0131 d\u00fc\u015f\u00fcn\u00fclmekte.<\/p>\n
Invest \u0130n\u015faat Y\u00f6netim Kurulu Ba\u015fkan\u0131 Bahattin U\u00e7ar, sekt\u00f6r\u00fcn toplant\u0131da krediye eri\u015fimde ya\u015fanan s\u0131k\u0131nt\u0131lar\u0131 dile getirdi\u011fini belirtti. U\u00e7ar, \u201cSekt\u00f6re y\u00f6nelik yeni pakette gelir gruplar\u0131na g\u00f6re \u00fc\u00e7 farkl\u0131 faiz sistemi olacak. Faiz oranlar\u0131n\u0131n 0.69\u2019dan ba\u015flay\u0131p, 1.20\u2019ye kadar gelmesi bekleniyor\u201d<\/em><\/strong> dedi. BDDK\u2019n\u0131n k\u0131s\u0131tlamay\u0131 getirmeden 4-5 ay \u00f6nce ciddi bir yerli talebi oldu\u011funu belirten U\u00e7ar, \u201cYerli talebinde hesap \u015fuydu, \u2018enflasyon y\u00fcksek, krediler uygun, gelin gayrimenkul alal\u0131m\u2019<\/strong><\/em> idi. B\u00f6ylece hem para kazand\u0131r\u0131l\u0131r, hem de bar\u0131nma ihtiyac\u0131 kar\u015f\u0131lan\u0131r. Ancak krediye eri\u015fim m\u00fcmk\u00fcn olmad\u0131\u011f\u0131 konu\u015ftu. U\u00e7ar, kampanyan\u0131n aral\u0131k ay\u0131 ortas\u0131nda deklare edilmesiyle birlikte, ocak, \u015fubat ve martta sekt\u00f6re ciddi bir hareket katmas\u0131n\u0131 beklediklerini s\u00f6yledi.<\/p>\n T\u00fcrkiye\u2019de depremden dolay\u0131 yeni \u00fcretim gerekti\u011fini, ayr\u0131ca n\u00fcfus art\u0131\u015f h\u0131z\u0131ndan dolay\u0131 konuta talebin artt\u0131\u011f\u0131n\u0131 s\u00f6yleyen U\u00e7ar, \u201cArz, talebe yetersiz kal\u0131yor. \u0130nsanlar paraya eri\u015femedi\u011fi i\u00e7in konut alam\u0131yor. Konuta eri\u015femeyince de bir s\u00fcre kirada oturmay\u0131 tercih ediyorlar. Nitekim kira fiyatlar\u0131n\u0131n y\u00fckselmesinin bir nedeni de bu\u201d<\/strong><\/em> de\u011ferlenmesini yapt\u0131.<\/p>\n \u00d6zyurtlar Holding Y\u00f6netim Kurulu Ba\u015fkan\u0131 Tamer \u00d6zyurt da, hem orta ve \u00fcst gelirliyi ev sahibi yapmak hem de konut sekt\u00f6r\u00fcn\u00fc canland\u0131rma i\u00e7in de\u011feri 4 milyona kadar olun konutlar i\u00e7in 0.69\u2019lu bir rakam, 4 milyon ile 15 milyon aras\u0131 da 0.90\u2019l\u0131 bir rakam\u0131n konu\u015fuldu\u011funu s\u00f6yledi. Bu ad\u0131m\u0131n t\u0131kan\u0131p duran sekt\u00f6r\u00fc canland\u0131raca\u011f\u0131n\u0131 kaydeden \u00d6zyurt, \u201cAncak kamu bankalar\u0131 burada \u00f6zel sekt\u00f6r ile Emlak Konut projelerini ay\u0131rt etmeden kredi sistemi uygulan\u0131rsa sekt\u00f6r canlan\u0131r. Bu sefer bu kredi i\u015fe yarayabilir. Ge\u00e7en y\u0131l \u00e7ok fazla ki\u015fi faydalanamad\u0131, ama bu y\u0131l faydalanabilirler. Almay\u0131 d\u00fc\u015f\u00fcnen 3-4 milyonluk bir kitle var, onlar da alamay\u0131p kirada kald\u0131\u011f\u0131 i\u00e7in kiralar bu kadar art\u0131yor\u201d<\/strong><\/em> dedi.<\/p>\n Ellerinde 2022 y\u0131l\u0131nda ruhsat\u0131 al\u0131nm\u0131\u015f \u00fc\u00e7 proje oldu\u011funu belirten \u00d6zyurt, \u201c1.000 konutluk bu projelerden 180 ba\u011f\u0131ms\u0131z \u00fcniteli en k\u00fc\u00e7\u00fc\u011f\u00fcne ba\u015fl\u0131yoruz. Yani y\u00fczde 80\u2019lik k\u0131s\u0131m olan di\u011fer ikisine ba\u015flayam\u0131yoruz. \u00c7\u00fcnk\u00fc yerlide hi\u00e7 talep yok. Bu nedenle de sekt\u00f6r yeni konut \u00fcretemiyor. Sadece yabanc\u0131 taraf\u0131ndan bir al\u0131m devam ediyor. Ancak orada da vatanda\u015fl\u0131k bedeli 400 bin dolara \u00e7\u0131k\u0131nca al\u0131mlar kesildi. Bu nedenle alternatif \u00fclkeler olan AB \u00fcyesi Yunanistan, Bulgaristan\u2019a kayd\u0131lar. Dolay\u0131s\u0131yla 400 bin dolardan sonra piyasa y\u00fczde 80 daralm\u0131\u015f vaziyette. Y\u00fczde 20\u2019nin durmamas\u0131n\u0131n nedeni de Ruslar. Yoksa Arap yok. Cezayirli, Afganl\u0131 ve Irakl\u0131 al\u0131yor\u201d dedi. Birka\u00e7 ay \u00f6ncesinde piyasan\u0131n hareketli olmas\u0131nda yabanc\u0131lar\u0131n etkisinin y\u00fcksek oldu\u011funu s\u00f6yleyen \u00d6zyurt, \u201c\u00c7\u00fcnk\u00fc yabanc\u0131 al\u0131m\u0131 y\u00fczde 10 olsa da, piyasada kald\u0131ra\u00e7 etkisi yaparak yerlinin de konut almas\u0131n\u0131 sa\u011fl\u0131yordu. \u015eimdi yabanc\u0131 daral\u0131nca, yerlideki o sat\u0131\u015f adetleri de azald\u0131. Bu daha iyi foto\u011fraf\u201d yorumunu yapt\u0131.<\/p>\n Kampanyan\u0131n aral\u0131k ay\u0131nda ba\u015flamas\u0131n\u0131 beklediklerini kaydeden Tamer \u00d6zyurt, \u201cBu sefer etkili olacak. \u00c7\u00fcnk\u00fc insanlar enfl asyonun gelecek birka\u00e7 y\u0131l y\u00fczde 50\u2019ler seviyesinde olaca\u011f\u0131n\u0131 \u00f6ng\u00f6r\u00fcyor. Dolay\u0131s\u0131yla konut kredisinde faizler y\u00fczde 7-10\u2019a denk gelece\u011finden insanlar bunu kullanmak isteyecek. \u00c7\u00fcnk\u00fc bu enfl asyonda 2,5 milyonluk ev 1 y\u0131l sonra 4 milyon olacak\u201d a\u00e7\u0131klamas\u0131n\u0131 yapt\u0131.<\/p>\n Yerli ve yabanc\u0131ya yap\u0131lan sat\u0131\u015f\u0131n d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc, ancak en fazla d\u00fc\u015f\u00fc\u015f\u00fcn yerli al\u0131c\u0131da oldu\u011funu aktaran Bahattin U\u00e7ar, \u201cYabanc\u0131da d\u00fc\u015f\u00fc\u015f y\u00fczde 8 ila 9 aras\u0131nda iken, yerli m\u00fc\u015fteride d\u00fc\u015f\u00fc\u015f y\u00fczde 40 civar\u0131nda. Ancak vatanda\u015fl\u0131k bedelinin 250 bin dolar olmas\u0131 da \u00e7ok do\u011fru de\u011fil. \u00c7\u00fcnk\u00fc bu rakama ev ald\u0131\u011f\u0131nda, SGK sisteminden faydalanacak, oy kullanacak. Bu nedenle 400 bin dolara gayrimenkul alamayacak birisine de vatanda\u015fl\u0131k verilmesin. Bug\u00fcn yabanc\u0131ya sat\u0131\u015ftaki d\u00fc\u015f\u00fc\u015f\u00fcn nedeni para transferinden kaynaklan\u0131yor\u201d<\/strong><\/em> dedi. \u00d6zellikle Rus ve \u0130ranl\u0131lar\u0131n T\u00fcrkiye\u2019ye para transferinden dolay\u0131 s\u0131k\u0131nt\u0131 ya\u015fand\u0131\u011f\u0131n\u0131 kaydeden U\u00e7ar \u015f\u00f6yle konu\u015ftu: \u201cYoksa talep var ancak para giri\u015fi olmay\u0131nca sat\u0131\u015f olmuyor. \u00d6zellikle T\u00fcrkiye\u2019nin para \u00f6deme sisteminden (MIR) \u00e7\u0131kmas\u0131yla bu s\u0131k\u0131nt\u0131lar ba\u015flad\u0131, bu nedenle sat\u0131\u015f\u0131 yap\u0131lm\u0131\u015f konutlar\u0131 iptal ettik.\u201d<\/strong><\/em><\/p>\n Kaynak: NB Ekonomi Leyla \u0130lhan<\/strong><\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" Yeni konut kampanyas\u0131nda uygulanacak olan konut kredisinde vatanda\u015f\u0131n gelirine g\u00f6re faiz uygulanacak, faiz oranlar\u0131 ise 0.69 ile 1,20 aras\u0131nda olacak. Kampanyada \u00fc\u00e7 farkl\u0131 faiz oran\u0131 belirlenecek ve Aral\u0131k ay\u0131nda ba\u015flayacak. Yeni kampanya hakk\u0131nda detaylar \u015f\u00f6yle… Konut \u00fcreticilerinin bekledi\u011fi konut kampanyas\u0131 ile ilgili ayr\u0131nt\u0131lar da ortaya \u00e7\u0131kmaya ba\u015flad\u0131. Alt, orta ve \u00fcst gelirli vatanda\u015flar i\u00e7in \u00fc\u00e7 […]<\/p>\n","protected":false},"author":1,"featured_media":11363,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[11497,11675,11931],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/41149"}],"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=41149"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/41149\/revisions"}],"predecessor-version":[{"id":41150,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/41149\/revisions\/41150"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/11363"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=41149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=41149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=41149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u201cArz talebe yetersiz kal\u0131yor\u201d<\/strong><\/h2>\n
\u201cKamu gibi \u00f6zel sekt\u00f6r\u00fcn projelerini de kapsamal\u0131\u201d<\/strong><\/h2>\n
\u201cTalep yok, yeni projelere ba\u015flayam\u0131yoruz\u201d<\/strong><\/h2>\n
\u201cBu kampanya etkili<\/strong> olacak\u201d<\/h2>\n
\u201cYerlinin al\u0131m\u0131 yabanc\u0131dan daha fazla d\u00fc\u015ft\u00fc\u201d<\/strong><\/h2>\n