{"id":4911,"date":"2016-08-26T10:51:10","date_gmt":"2016-08-26T07:51:10","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=4911"},"modified":"2018-07-05T14:41:12","modified_gmt":"2018-07-05T11:41:12","slug":"emlak-konut-kampanyasiyla-25-gunde-1-4-milyar-tllik-konut-satildi","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=4911","title":{"rendered":"Emlak Konut kampanyas\u0131yla 25 g\u00fcnde 1.4 milyar TL\u2019lik konut sat\u0131ld\u0131!"},"content":{"rendered":"

Bankalar\u0131n yapt\u0131\u011f\u0131 faiz indirimi yetersiz kal\u0131nca konut kredileri 2 haftada sadece 329 milyon TL artabildi. Oysa Emlak GYO\u2019nun y\u00fczde 0.70\u2019le ev sahibi yapan kampanyas\u0131nda 25 g\u00fcnde 1 milyar 450 milyon TL\u2019lik konut sat\u0131ld\u0131.<\/h1>\n
\n

Konut kredisi faizinde indirimin istenilen seviyede olmamas\u0131, t\u00fcketicinin kredi i\u015ftah\u0131n\u0131 art\u0131rmad\u0131. Merkez Bankas\u0131’n\u0131n d\u00fcn a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re 5-19 A\u011fustos tarihleri aras\u0131ndaki iki haftal\u0131k d\u00f6nemde konut kredilerindeki art\u0131\u015f 329.6 milyon lirada kald\u0131. Bu rakam, Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n “Bu yetmez, faizin daha da inmesi gerekir. Yat\u0131r\u0131m\u0131n, \u00fcretimin ve istihdam\u0131n artmas\u0131 i\u00e7in faiz inmeli” a\u00e7\u0131klamas\u0131n\u0131 da destekledi.<\/p>\n

FA\u0130Z HALA \u00c7OK Y\u00dcKSEK<\/h2>\n

Ay ba\u015f\u0131nda kamu bankalar\u0131n\u0131n \u00f6nc\u00fcl\u00fc\u011f\u00fcn\u00fc yapt\u0131\u011f\u0131 bu s\u00fcre\u00e7te 10 y\u0131ll\u0131k konut kredisinin ayl\u0131k faizi y\u00fczde 0.95’e kadar \u00e7ekildi. Buna ra\u011fmen, konutta en d\u00fc\u015f\u00fck y\u0131ll\u0131k ortalama faiz, masraf ve kosimyonlar hari\u00e7 y\u00fczde 11.5 seviyesinde bulunuyor. Bankalar \u00f6zellikle 25-60 ay vadede ayl\u0131k faizi d\u00fc\u015f\u00fc\u015f\u00fcrken, bu vade t\u00fcketicinin en az kulland\u0131\u011f\u0131 se\u00e7enek olarak dikkat \u00e7ekiyor. Konut kredilerinde beklenen art\u0131\u015f\u0131n ger\u00e7ekle\u015fmemesinin en \u00f6nemli nedeni, faizin \u00f6n\u00fcm\u00fczdeki d\u00f6nemde d\u00fc\u015fece\u011fi beklentisi. Zira 3 y\u0131l \u00f6nce konut kredisinde ayl\u0131k faiz y\u00fczde 0.60’lara kadar gerilerken, y\u0131ll\u0131k faiz ise y\u00fczde 7 seviyelerine kadar d\u00fc\u015fm\u00fc\u015ft\u00fc. Merkez Bankas\u0131’n\u0131n indirim s\u00fcrecine devam etmesi, k\u00fcresel likidite bollu\u011funun etkisiyle bankalar\u0131n finansmana eri\u015fimde s\u0131k\u0131nt\u0131 ya\u015famamas\u0131 ve h\u00fck\u00fcmetin konut yard\u0131m\u0131n\u0131n da devreye giriyor olmas\u0131, faizlerin d\u00fc\u015fece\u011fine ili\u015fkin beklentileri g\u00fc\u00e7lendirdi. Son indirimle 10 y\u0131ll\u0131k konut kredisinde ortalama 15 milyar TL daha az faiz \u00f6deyecek olan t\u00fcketici, bu s\u00fcrecin devam edece\u011fi \u00f6ng\u00f6r\u00fcs\u00fcyle konut al\u0131m\u0131n\u0131 erteliyor.<\/p>\n

D\u00dc\u015e\u00dcK FA\u0130Z CEZBETT\u0130<\/h2>\n

T\u00fcketicilerin, konut kredisi i\u00e7in faizin d\u00fc\u015fmesini bekledi\u011finin en \u00f6nemli g\u00f6stergesi, Emlak GYO \u00f6nc\u00fcl\u00fc\u011f\u00fcnde ba\u015flat\u0131lan kampaya oldu. Emlak Konut GYO’nun 1 A\u011fustos itibar\u0131yla ba\u015flatt\u0131\u011f\u0131 ve arkas\u0131ndan Gayrimenkul Yat\u0131r\u0131m Ortakl\u0131\u011f\u0131 Derne\u011fi (GYODER) \u00fcyelerininde dahil oldu\u011fu kampanya ata\u011f\u0131 konut sekt\u00f6r\u00fcne b\u00fcy\u00fck hareket getirdi. Konut kredi faizlerini y\u00fczde 0.70’e, vadeyi de 120 aya \u00e7eken kampanya kapsam\u0131nda Emlak Konut projelerinde 25 g\u00fcnde 2 bin 200 ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm sat\u0131ld\u0131. 1 milyar 450 milyonluk ciro yap\u0131lan projelerde g\u00fcnde ortalama 90 konut sat\u0131\u015f\u0131 ger\u00e7ekle\u015fti.<\/p>\n

KAMPANYA UZATILAB\u0130L\u0130R<\/h2>\n

Emlak Konut’un 30 projede 15 bin konutla ba\u015flatt\u0131\u011f\u0131 kampanyaya Gayrimenkul Yat\u0131r\u0131m Ortakl\u0131\u011f\u0131 Derne\u011fi de (GYODER) kat\u0131lm\u0131\u015f, proje say\u0131s\u0131 86’ya konut say\u0131s\u0131 da 56 bine \u00e7\u0131km\u0131\u015ft\u0131. GYODER Ba\u015fkan\u0131 Aziz Torun, kampanyaya vatanda\u015f\u0131n yo\u011fun talep g\u00f6sterdi\u011fini belirterek, “3 haftada 2 binin \u00fczerinde konut sat\u0131\u015f\u0131 \u00e7ok ciddi bir ba\u015far\u0131. Yaz durgunlu\u011funun oldu\u011fu \u015fu g\u00fcnlerde bir\u00e7ok vatanda\u015f\u0131m\u0131z tatilde oldu\u011fundan kampanyadan faydalanamad\u0131\u011f\u0131 i\u00e7in s\u00fcreyi uzatmam\u0131z y\u00f6n\u00fcnde \u00e7ok fazla talep al\u0131yoruz. 31 A\u011fustos’ta yapaca\u011f\u0131m\u0131z toplant\u0131dan sonra uzatmam\u0131z g\u00fcndeme gelebilir” dedi.<\/p>\n

‘EV’E DEVLET DESTE\u011e\u0130 BUG\u00dcN BA\u015eLIYOR<\/h2>\n

Konut sat\u0131n almak i\u00e7in tasarruf yapmak isteyenleri te\u015fvik edecek ‘konut hesab\u0131’ uygulamas\u0131 bug\u00fcn ba\u015fl\u0131yor. Konut sat\u0131n almak i\u00e7in olu\u015fturulan birikimlere y\u00fczde 20’ye varan oranda devlet katk\u0131s\u0131 sa\u011flanacak. S\u00f6z konusu katk\u0131 15 bin liray\u0131 ge\u00e7emeyecek. Devlet katk\u0131s\u0131 \u00f6demesine hak kazanmak i\u00e7in gerekli \u015fartlar\u0131n tamam\u0131n\u0131 sa\u011flayan T\u00fcrk vatanda\u015flar\u0131n\u0131n sisteme dahil olmak i\u00e7in n\u00fcfus c\u00fczdanlar\u0131yla T\u00fcrkiye’de kurulu mevduat veya kat\u0131l\u0131m bankalar\u0131nda TL cinsinden mevduat hesab\u0131 veya kat\u0131l\u0131m fonu hesab\u0131 a\u00e7t\u0131rmas\u0131 gerekiyor. Bir ki\u015finin sadece bir konut hesab\u0131 olabilecek. Ortak hesaplar, konut hesab\u0131 olarak de\u011ferlendirilmeyecek ve hesap bankalar aras\u0131nda ta\u015f\u0131namayacak. T\u00fcrkiye’de ik\u00e2met \u015fart\u0131 olmad\u0131\u011f\u0131 i\u00e7in yurtd\u0131\u015f\u0131nda ya\u015fayan T\u00fcrk vatanda\u015flar\u0131 da yard\u0131m alabilecek.<\/p>\n

EN AZ 3 YIL S\u0130STEMDE KALACAK<\/h2>\n

* Hesaba, a\u00e7\u0131l\u0131\u015f\u0131nda bir kereye mahsus, \u00f6demelerin \u00fcst s\u0131n\u0131r\u0131 olarak belirlenen bin liran\u0131n \u00fczerinde, 30 bin liray\u0131 a\u015fmayacak bir tutar yat\u0131r\u0131labilecek.<\/p>\n

* Hesap TL cinsinden olacak. En az 3 y\u0131l sistemde kalmak gerekiyor.<\/p>\n

* Konut hesab\u0131na ili\u015fkin \u00f6demeler d\u00fczenli yap\u0131lacak.<\/p>\n

* Ki\u015filere, bir d\u00f6nem i\u00e7erisinde en fazla 2 kez \u00e7ekim hakk\u0131 tan\u0131nacak.<\/p>\n

* Belirlenen \u015fartlar\u0131n herhangi birinin ihlali durumunda ise hesap ‘konut hesab\u0131’ stat\u00fcs\u00fcnden \u00e7\u0131kar\u0131lacak.<\/p>\n

* Konut edinim tarihinden \u00f6nce en az 3 y\u0131l boyunca, ayl\u0131k en az 250, en fazla 2 bin 500 lira yat\u0131rmak gerekecek.<\/p>\n

* \u00d6demeler 3’er ayl\u0131k dilimler halinde de yap\u0131labilecek.<\/p>\n

* 3-4 y\u0131l aras\u0131nda yap\u0131lan \u00f6deme tutar\u0131n\u0131n y\u00fczde 15’i (devlet katk\u0131s\u0131 13 bin TL’yi a\u015fmamak ko\u015fuluyla), 4-5 y\u0131l aras\u0131nda yap\u0131lan \u00f6deme tutar\u0131n\u0131n y\u00fczde 18’i (devlet katk\u0131s\u0131 14 bin TL’yi a\u015fmamak ko\u015fuluyla), 5 y\u0131l veya daha uzun s\u00fcre yap\u0131lan \u00f6deme tutar\u0131n\u0131n y\u00fczde 20’si kadar (devlet katk\u0131s\u0131 15 bin TL’yi a\u015fmamak ko\u015fuluyla) katk\u0131 al\u0131nabilecek.<\/p>\n

* Katk\u0131 \u00f6demesi i\u00e7in kat\u0131l\u0131mc\u0131, konut edinim tarihinden itibaren 6 ay i\u00e7erisinde hesab\u0131n\u0131n bulundu\u011fu bankaya m\u00fcracaat edebilecek.<\/p>\n

* Gerekli bilgi ve belgelerin kontrol\u00fc sonras\u0131nda en ge\u00e7 2 ay i\u00e7inde hesab\u0131n bulundu\u011fu bankadan para al\u0131nabilecek.<\/p>\n

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

Bankalar\u0131n yapt\u0131\u011f\u0131 faiz indirimi yetersiz kal\u0131nca konut kredileri 2 haftada sadece 329 milyon TL artabildi. Oysa Emlak GYO\u2019nun y\u00fczde 0.70\u2019le ev sahibi yapan kampanyas\u0131nda 25 g\u00fcnde 1 milyar 450 milyon TL\u2019lik konut sat\u0131ld\u0131. Konut kredisi faizinde indirimin istenilen seviyede olmamas\u0131, t\u00fcketicinin kredi i\u015ftah\u0131n\u0131 art\u0131rmad\u0131. Merkez Bankas\u0131’n\u0131n d\u00fcn a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re 5-19 A\u011fustos tarihleri aras\u0131ndaki iki […]<\/p>\n","protected":false},"author":1,"featured_media":3377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[1,26,27],"tags":[11315,62,459,78,3150,1729,2434,11392,544,80,11497,3151],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4911"}],"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=4911"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4911\/revisions"}],"predecessor-version":[{"id":4912,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/4911\/revisions\/4912"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/3377"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4911"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4911"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4911"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}