<\/p>\n
Bankalar\u0131n konut kredisi faizlerini ge\u00e7en haftadan ba\u015flayarak y\u00fczde 1\u2019in alt\u0131na \u00e7ekmesine kar\u015f\u0131n a\u011f\u0131rl\u0131kla tercih edilen uzun vadeli kullan\u0131mda faizlerin hala y\u00fcksek seviyede bulunmas\u0131, t\u00fcketicilerin beklentisini kar\u015f\u0131lamad\u0131.<\/p>\n
T\u00fcketici \u00f6rg\u00fctleri ve gayrimenkul sekt\u00f6r\u00fc temsilcileri, bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131\u011f\u0131 indirimin yeterli olmad\u0131\u011f\u0131n\u0131 ve devam etmesi gerekti\u011fini belirtirken, faizlerin y\u00fczde 0,70\u2019lere inmesi halinde vatanda\u015flar\u0131n konut al\u0131m\u0131 i\u00e7in harekete ge\u00e7ece\u011fi g\u00f6r\u00fc\u015f\u00fcn\u00fc ta\u015f\u0131yor.<\/p>\n
Emlak Konut ile GYODER\u2019in ba\u015flatt\u0131\u011f\u0131 kampanyalar\u0131n ard\u0131ndan Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan\u2019\u0131n, bankalara, konut kredilerinde y\u0131ll\u0131k faiz oranlar\u0131n\u0131 y\u00fczde 9\u2019a do\u011fru \u00e7ekmesi \u00e7a\u011fr\u0131s\u0131 ve Ba\u015fbakan Binali Y\u0131ld\u0131r\u0131m\u2019\u0131n da konut kredilerinde faizi d\u00fc\u015f\u00fcrmek i\u00e7in \u00e7al\u0131\u015fmalara ba\u015flad\u0131klar\u0131n\u0131 duyurmas\u0131yla bankalar, ge\u00e7en haftadan ba\u015flayarak en d\u00fc\u015f\u00fc\u011f\u00fc y\u00fczde 0,80 olmak \u00fczere birbiri ard\u0131na kredi faizlerini y\u00fczde 1\u2019in alt\u0131na \u00e7ekmi\u015fti.<\/p>\n
0-24 vadelerde faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131na kar\u015f\u0131n, halihaz\u0131rda 10 y\u0131l vadeli en d\u00fc\u015f\u00fck faiz oran\u0131 y\u00fczde 0,95 civar\u0131nda bulunuyor. Y\u0131ll\u0131k bazda y\u00fczde 11,4 gibi g\u00f6z\u00fckse de vergi ve di\u011fer giderlerle y\u00fczde 12\u2019nin \u00fczerine \u00e7\u0131kan oran, t\u00fcketicinin beklentisini kar\u015f\u0131lamaktan uzak g\u00f6r\u00fcn\u00fcyor.<\/p>\n
\u00a0\u201cT\u00fcketiciler y\u00fczde 0,70 band\u0131nda harekete ge\u00e7er\u201d<\/strong><\/p>\n T\u00fcketici Sorunlar\u0131 Derne\u011fi (T\u00dcSODER) Genel Ba\u015fkan Yard\u0131mc\u0131s\u0131 ve Emlak Komisyonu Ba\u015fkan\u0131 Hatice Kol\u00e7ak, Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n faizleri d\u00fc\u015f\u00fcrme y\u00f6n\u00fcndeki \u00e7a\u011fr\u0131s\u0131 sonras\u0131 bankalar\u0131n harekete ge\u00e7ti\u011fini an\u0131msatarak, \u201cAncak bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131\u011f\u0131 indirim t\u00fcketiciler i\u00e7in yeterli de\u011fil. Beklenen ve istenilen hen\u00fcz olmad\u0131.\u201d dedi.<\/p>\n Kol\u00e7ak, t\u00fcketicilere sunulan konut faiz oranlar\u0131n\u0131n \u00e7ok k\u0131sa vadeler i\u00e7in uygun oldu\u011funu ifade ederek, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n \u201cMesela 0-24 ay i\u00e7in verilen kredi faiz oran\u0131 0,80 band\u0131na inmi\u015f olsa da, bu oran vatanda\u015f\u0131n bir i\u015fine yaram\u0131yor. Konut kredisi kullanacak t\u00fcketici minimum 5-10 y\u0131l vadeyi tercih ediyor. 10 y\u0131l vade oran\u0131 ise en d\u00fc\u015f\u00fck 0,95 seviyelerinde ve hala \u00e7ok y\u00fcksek. Bu rakam y\u0131ll\u0131k hesap edildi\u011finde y\u00fczde 11,5\u2019lara denk geliyor. Ancak Cumhurba\u015fkan\u0131m\u0131z\u0131n \u00e7a\u011fr\u0131s\u0131 y\u0131ll\u0131k faizin y\u00fczde 9\u2019lara \u00e7ekilmesi y\u00f6n\u00fcndeydi. Bu rakam\u0131 ayl\u0131k d\u00fc\u015f\u00fcn\u00fcrsek y\u00fczde 0,70\u2019lere denk gelir.\u201d<\/p>\n Faiz oran\u0131n\u0131n kademeli olarak d\u00fc\u015fmeye devam etmesi gerekti\u011fini, bu konuda kendisinin de \u00fcmitli oldu\u011funu ve k\u0131sa vadede a\u015fa\u011f\u0131 y\u00f6nl\u00fc ini\u015fin s\u00fcrece\u011fini umdu\u011funu belirten Kol\u00e7ak, \u201cD\u00fc\u015f\u00fc\u015f devam etmezse konut sat\u0131\u015f\u0131nda beklenen hareketlenme olmayacakt\u0131r. \u00c7\u00fcnk\u00fc vatanda\u015f\u0131n hen\u00fcz beklentisi kar\u015f\u0131l\u0131k bulmad\u0131.\u201d ifadesini kulland\u0131. Kol\u00e7ak, 10 y\u0131l vade ile ev sahibi olmay\u0131 bekleyen t\u00fcketicilerin faiz oran\u0131n\u0131n y\u00fczde 0,70 band\u0131na geldi\u011finde harekete ge\u00e7ece\u011fini bildirdi.<\/p>\n Kol\u00e7ak, \u201c\u0130n\u015faat sekt\u00f6r\u00fcn\u00fcn \u00f6nde gelen konut \u00fcreticileri 10 y\u0131l vadeli y\u00fczde 0,70 faiz oran\u0131 ile sat\u0131\u015f yaparken, bankalar\u0131n da bu vadelere gelmesi \u00f6zellikle ikinci elde konut sat\u0131\u015f\u0131n\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde hareketlendirecektir. Ayr\u0131ca, bankalar\u0131n bu s\u00fcre\u00e7te daha \u00f6nce kredi kullanm\u0131\u015f t\u00fcketicinin kredisini yap\u0131land\u0131rmas\u0131na olumlu bakmas\u0131, bu konuda toleransl\u0131 ve sa\u011fduyulu yakla\u015f\u0131m\u0131n\u0131 umuyoruz.\u201d \u015feklinde konu\u015ftu.<\/p>\n \u00a0\u201cMortgage\u2019\u0131n uyguland\u0131\u011f\u0131 \u00fclkeler aras\u0131nda en y\u00fcksek faiz T\u00fcrkiye\u2019de\u201d<\/strong><\/p>\n \u0130stanbul Emlak Komisyoncular\u0131 ve Dan\u0131\u015fmanlar\u0131 Esnaf Odas\u0131 Ba\u015fkan\u0131 Nizameddin A\u015fa da bankalar\u0131n faiz oran\u0131n\u0131 ilk etapta psikolojik s\u0131n\u0131r olan y\u00fczde 1\u2019in alt\u0131na indirmesinin olumlu oldu\u011funu ifade ederek, kredi oran\u0131n\u0131n d\u00fc\u015fmesinin yan\u0131nda vatanda\u015flar\u0131n kredi \u00e7ekmesinin de kolayla\u015ft\u0131r\u0131lmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n A\u015fa, bankalar\u0131n i\u015fe ticari g\u00f6zle bakt\u0131\u011f\u0131n\u0131 ve faizleri Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n istedi\u011fi orana d\u00fc\u015f\u00fcrmedi\u011fini belirterek, \u201cMortgage sisteminin uyguland\u0131\u011f\u0131 \u00fclkeler aras\u0131nda en y\u00fcksek faiz oran\u0131 y\u0131ll\u0131k y\u00fczde 8. Ama bizde \u015fu an bile\u015fik faizle y\u00fczde 13\u2019\u00fc ge\u00e7ebiliyor. Emlak\u00e7\u0131lar\u0131n talebi, faiz indiriminin devam etmesi ve daha da a\u015fa\u011f\u0131 \u00e7ekilmesidir.\u201d diye konu\u015ftu.<\/p>\n Faiz oranlar\u0131n\u0131n daha \u00f6nce y\u00fczde 0,70\u2019lere kadar indi\u011fini hat\u0131rlatan A\u015fa, orta ve alt gelir grubunun ev alabilmesi i\u00e7in ayl\u0131k oran\u0131n y\u00fczde 0,70\u2019lere kadar gelmesi gerekti\u011fini vurgulad\u0131.<\/p>\n \u00a0\u201cEyl\u00fclde Cumhurba\u015fkan\u0131m\u0131z\u0131n istedi\u011fi noktaya gelebilir\u201d<\/strong><\/p>\n Demir \u0130n\u015faat Y\u00f6netim Kurulu Ba\u015fkan\u0131 Hamit Demir ise Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n \u00e7a\u011fr\u0131s\u0131na bankalar\u0131n temkinli yakla\u015ft\u0131\u011f\u0131n\u0131, ancak darbe giri\u015fiminin ard\u0131ndan bir ay ge\u00e7meden bu indirimlerin ba\u015flamas\u0131n\u0131n \u00f6nemli oldu\u011funu ifade etti.<\/p>\n Demir, baz\u0131 bankalar\u0131n eyl\u00fcl sonu itibar\u0131yla Cumhurba\u015fkan\u0131 Erdo\u011fan\u2019\u0131n belirtti\u011fi seviyelere faiz oranlar\u0131n\u0131 \u00e7ekebilece\u011fini belirtirken, Erdo\u011fan\u2019\u0131n bu hakl\u0131 talebinin \u00fcretici ve t\u00fcketici i\u00e7in fevkalade \u00f6nemli oldu\u011funu vurgulad\u0131.<\/p>\n Faizlerin T\u00fcrk siyaseti ve ekonomisinde s\u00fcrmesi beklenen istikrar sayesinde d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc dile getiren Demir, \u015funlar\u0131 kaydetti:<\/p>\n \u201cDarbe giri\u015fiminden sonra bir ay s\u00fcre i\u00e7erisinde d\u00f6viz de faizler de d\u00fc\u015fmeye ba\u015flad\u0131. Burada T\u00fcrk milletinin \u00fclke ekonomisine g\u00fcveni \u00f6nemliydi. Y\u00fczde 0,95\u2019i ilk etapta baz\u0131lar\u0131 i\u00e7in yeterli g\u00f6r\u00fcnebilir ama indirim devam etmeli. Bence \u00f6n\u00fcm\u00fczdeki 2-3 ay i\u00e7erisinde Cumhurba\u015fkan\u0131m\u0131z\u0131n dedi\u011fi yere gelir. T\u00fcrkiye siyasi ve ekonomik istikrar\u0131 b\u00f6yle devam etti\u011fi s\u00fcrece d\u00fc\u015fmeye devam edecektir. Bankalar sonunda harekete ge\u00e7tiler. Demek ki olumlu bir \u015fey g\u00f6rd\u00fcler. Biliyorsunuz, T\u00fcrkiye\u2019deki \u00f6zel bankalar\u0131n b\u00fcy\u00fck y\u00fczdesi yabanc\u0131 fonlar\u0131n. Yabanc\u0131 fonlar istikrar\u0131 g\u00f6rd\u00fc ki faiz indirimine gitti. Ben yine de olumlu kar\u015f\u0131l\u0131yorum.\u201d<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":" Bankalar\u0131n konut kredisi faizlerini ge\u00e7en haftadan ba\u015flayarak y\u00fczde 1\u2019in alt\u0131na \u00e7ekmesine kar\u015f\u0131n a\u011f\u0131rl\u0131kla tercih edilen uzun vadeli kullan\u0131mda faizlerin hala y\u00fcksek seviyede bulunmas\u0131, t\u00fcketicilerin beklentisini kar\u015f\u0131lamad\u0131. T\u00fcketici \u00f6rg\u00fctleri ve gayrimenkul sekt\u00f6r\u00fc temsilcileri, bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131\u011f\u0131 indirimin yeterli olmad\u0131\u011f\u0131n\u0131 ve devam etmesi gerekti\u011fini belirtirken, faizlerin y\u00fczde 0,70\u2019lere inmesi halinde vatanda\u015flar\u0131n konut al\u0131m\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":4449,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[1,26,97],"tags":[2941,2940,11315,1005,278,80,11091,951,2939,277,11415,89],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4448"}],"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=4448"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4448\/revisions"}],"predecessor-version":[{"id":4451,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4448\/revisions\/4451"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/4449"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4448"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4448"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}