Konut sahibi olmak isteyen vatanda\u015flar i\u00e7in yaln\u0131zca ev fiyatlar\u0131 de\u011fil, kredi geri \u00f6demeleri de belirleyici hale geldi. Kas\u0131m ay\u0131 ba\u015f\u0131ndaki finansman ko\u015fullar\u0131nda 2 milyon TL\u2019lik, 120 ay vadeli konut kredisinin ayl\u0131k taksitleri baz\u0131 banka \u00f6rneklerinde 60 bin TL\u2019yi a\u015f\u0131yor. T\u00fcrkiye \u0130statistik Kurumu\u2019nun eyl\u00fcl ay\u0131 verilerine g\u00f6re 142 bin 390 konut sat\u0131l\u0131rken, ipotekli sat\u0131\u015flar\u0131n toplam i\u00e7indeki pay\u0131 y\u00fczde 16,4 seviyesinde kald\u0131. Ya\u015farkent Gayrimenkul Kurucusu Ya\u015far Do\u011fan, konuta eri\u015fimde pe\u015finat ve ayl\u0131k \u00f6deme g\u00fcc\u00fcn\u00fcn \u00f6nemine dikkat \u00e7ekti.<\/p>\n
T\u00fcrkiye\u2019de konut piyasas\u0131nda y\u0131l\u0131n son \u00e7eyre\u011finde finansman ko\u015fullar\u0131 belirleyici olmaya devam ediyor. Kas\u0131m ay\u0131 ba\u015f\u0131nda yay\u0131mlanan kredi kar\u015f\u0131la\u015ft\u0131rmalar\u0131nda 2 milyon TL tutar\u0131nda ve 120 ay vadeli konut kredisinin ayl\u0131k taksitleri baz\u0131 \u00f6rneklerde 60 bin TL\u2019nin \u00fczerine \u00e7\u0131k\u0131yor. Bankaya, faiz oran\u0131na ve masraflara g\u00f6re toplam geri \u00f6deme \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015febiliyor. T\u00dc\u0130K verilerine g\u00f6re eyl\u00fclde konut sat\u0131\u015flar\u0131 ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 9,3 geriledi.<\/p>\n
\u201cEvin fiyat\u0131 kadar ayl\u0131k \u00f6deme g\u00fcc\u00fc de belirleyici\u201d<\/p>\n
Ya\u015farkent Gayrimenkul Kurucusu Ya\u015far Do\u011fan, konut sat\u0131n alma kararlar\u0131nda finansman ko\u015fullar\u0131n\u0131n \u00f6ne \u00e7\u0131kt\u0131\u011f\u0131n\u0131 belirterek \u015fu de\u011ferlendirmeyi yapt\u0131:<\/p>\n
\u201cBug\u00fcn konut sahibi olmak isteyen vatanda\u015f\u0131n kar\u015f\u0131s\u0131ndaki en \u00f6nemli konulardan biri finansmana eri\u015fim. Bir konutun sat\u0131\u015f fiyat\u0131n\u0131n b\u00fct\u00e7eye uygun olmas\u0131 tek ba\u015f\u0131na yeterli de\u011fil. Al\u0131c\u0131n\u0131n pe\u015finat\u0131 kar\u015f\u0131layabilmesi ve kullanaca\u011f\u0131 kredinin ayl\u0131k taksitlerini s\u00fcrd\u00fcr\u00fclebilir \u015fekilde \u00f6deyebilmesi gerekiyor. \u00d6zellikle ilk kez ev sahibi olmak isteyenler a\u00e7\u0131s\u0131ndan ayl\u0131k \u00f6deme y\u00fck\u00fc, sat\u0131n alma karar\u0131n\u0131n belirleyici unsurlar\u0131ndan biri haline geliyor.\u201d<\/p>\n
\u201c\u0130potekli sat\u0131\u015flar\u0131n toplam i\u00e7indeki pay\u0131 y\u00fczde 16,4\u201d<\/p>\n
Eyl\u00fcl ay\u0131nda ipotekli konut sat\u0131\u015flar\u0131 y\u0131ll\u0131k y\u00fczde 5,1 artarak 23 bin 397\u2019ye ula\u015ft\u0131. Bu sat\u0131\u015flar\u0131n toplam konut sat\u0131\u015flar\u0131 i\u00e7indeki pay\u0131 y\u00fczde 16,4 oldu. Finansman maliyetlerinin al\u0131c\u0131 tercihlerini etkiledi\u011fini ifade eden Do\u011fan, \u015funlar\u0131 kaydetti:<\/p>\n
\u201cKonut al\u0131c\u0131s\u0131 art\u0131k yaln\u0131zca be\u011fendi\u011fi eve de\u011fil, o evi hangi \u00f6deme ko\u015fullar\u0131yla sat\u0131n alabilece\u011fine de bak\u0131yor. Bu nedenle do\u011fru fiyatland\u0131rma kadar ger\u00e7ek\u00e7i finansman planlamas\u0131 da \u00f6nem ta\u015f\u0131yor. Kredi kullanacak ki\u015filerin yaln\u0131zca ayl\u0131k taksit tutar\u0131n\u0131 de\u011fil, toplam geri \u00f6demeyi ve sat\u0131n alma s\u0131ras\u0131nda ortaya \u00e7\u0131kabilecek ek maliyetleri de dikkate almas\u0131 gerekiyor.\u201d<\/p>\n
\u201c2027 \u00f6ncesinde g\u00f6zler finansman ko\u015fullar\u0131nda\u201d<\/p>\n
Y\u0131l\u0131n son aylar\u0131na girilirken kredi maliyetleri, hane halk\u0131n\u0131n al\u0131m g\u00fcc\u00fc ve konuta eri\u015fim ko\u015fullar\u0131 g\u00fcndemdeki yerini koruyor. Faizlerde ya\u015fanabilecek de\u011fi\u015fimlerin talebi etkileyebilece\u011fini belirten Do\u011fan, de\u011ferlendirmesini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n
\u201cKonut piyasas\u0131nda sa\u011fl\u0131kl\u0131 bir hareketlilik i\u00e7in yaln\u0131zca fiyatlar\u0131n de\u011fil, finansman ko\u015fullar\u0131n\u0131n da al\u0131c\u0131lar\u0131n \u00f6deme g\u00fcc\u00fcyle uyumlu olmas\u0131 gerekiyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde konuta eri\u015fimi kolayla\u015ft\u0131racak geli\u015fmeler, hem ilk kez ev sahibi olmak isteyenler hem de sekt\u00f6r\u00fcn genel dengesi a\u00e7\u0131s\u0131ndan \u00f6nem<\/p>\n","protected":false},"excerpt":{"rendered":"
Konut sahibi olmak isteyen vatanda\u015flar i\u00e7in yaln\u0131zca ev fiyatlar\u0131 de\u011fil, kredi geri \u00f6demeleri de belirleyici hale geldi. Kas\u0131m ay\u0131 ba\u015f\u0131ndaki finansman ko\u015fullar\u0131nda 2 milyon TL\u2019lik, 120 ay vadeli konut kredisinin ayl\u0131k taksitleri baz\u0131 banka \u00f6rneklerinde 60 bin TL\u2019yi a\u015f\u0131yor. T\u00fcrkiye \u0130statistik Kurumu\u2019nun eyl\u00fcl ay\u0131 verilerine g\u00f6re 142 bin 390 konut sat\u0131l\u0131rken, ipotekli sat\u0131\u015flar\u0131n toplam i\u00e7indeki […]<\/p>\n","protected":false},"author":1,"featured_media":51153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/51151"}],"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=51151"}],"version-history":[{"count":3,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/51151\/revisions"}],"predecessor-version":[{"id":51154,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/51151\/revisions\/51154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/51153"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}