{"id":5681,"date":"2016-09-08T11:42:18","date_gmt":"2016-09-08T08:42:18","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=5681"},"modified":"2018-07-05T14:47:17","modified_gmt":"2018-07-05T11:47:17","slug":"merkez-bankasi-konut-kredilerinde-indirime-gidiyor","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=5681","title":{"rendered":"Merkez Bankas\u0131 konut kredilerinde indirime gidiyor!"},"content":{"rendered":"<h1 class=\"news-detail-title selectionShareable\">Bankalar ge\u00e7en ay ba\u015fta konutta olmak \u00fczere faiz indirimine ba\u015flam\u0131\u015ft\u0131. Ancak indirimin arkas\u0131 gelmemi\u015fti. Sebebi ise maliyet. Merkez Bankas\u0131, bankalar\u0131n maliyetini d\u00fc\u015f\u00fcrecek yeni bir ad\u0131m daha att\u0131. \u0130\u015fte o haber&#8230;<\/h1>\n<div>\n<p>Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan, bankalara seslenerek \u201cBiraz az kazan\u0131n, faizleri d\u00fc\u015f\u00fcr\u00fcn Y\u0131ll\u0131k konut kredi faizi y\u00fczde 9&#8217;a do\u011fru insin\u201d demi\u015fti. Erdo\u011fan&#8217;\u0131n \u00e7a\u011fr\u0131s\u0131 kar\u015f\u0131l\u0131k bulmu\u015f bankalar ge\u00e7ti\u011fimiz ay adeta faiz indirim yar\u0131\u015f\u0131na girmi\u015fti. Bu indirimler sonucunda ayl\u0131k konut kredi faizleri y\u00fczde 1&#8217;in alt\u0131na geldi. Posta&#8217;dan Bilal Emin Turan&#8217;\u0131n haberine g\u00f6re kredi faizleri bankaya g\u00f6re y\u00fczde 0.80-0.99 aras\u0131nda de\u011fi\u015fiyor. \u0130ndirim \u00f6ncesi faizler y\u00fczde 1.20&#8217;yi a\u015f\u0131yordu.<\/p>\n<h2>MAL\u0130YETLER HALA Y\u00dcKSEK<\/h2>\n<p>Faizde bir miktar indirim olsa da vatanda\u015f\u0131n konut al\u0131rken tercih etti\u011fi 10 y\u0131ll\u0131k kredilerde y\u0131l\u0131k en d\u00fc\u015f\u00fck faiz halen y\u00fczde 11.4 seviyelerinde bulunuyor. H\u00fck\u00fcmet ve in\u015faat sekt\u00f6r\u00fc bu faizin daha da inmesini istiyor. Fakat bankalar faizlerin inmesini \u015farta ba\u011fl\u0131yor. Peki ne bu \u015fart? \u00c7ok basit. Maliyet. Yani piyasadan toplad\u0131\u011f\u0131 paraya (vadeli mevduata) \u00f6dedi\u011fi faiz ve Merkez&#8217;den ald\u0131\u011f\u0131 borca \u00f6dedi\u011fi faiz y\u00fcksek.<\/p>\n<h2>Y\u00dcZDE 12 SEV\u0130YELER\u0130NDE<\/h2>\n<p>Bankac\u0131lara g\u00f6re Merkez Bankas\u0131, Mart ay\u0131ndan sonra faizlerde toplamda y\u00fczde 2&#8217;lik indirim yapsa da bankalar\u0131n Merkez&#8217;den ald\u0131\u011f\u0131 borcun maliyeti yakla\u015f\u0131k y\u00fczde 1 d\u00fc\u015ft\u00fc. Bankalar\u0131n ticari ve bireysel m\u00fc\u015fterilerine sundu\u011fu kredilerin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc vadeli mevduattan geliyor. Mevduat faizi ise \u015fu s\u0131ralar y\u00fczde 12&#8217;lere kadar \u00e7\u0131k\u0131yor. Dolay\u0131s\u0131yla bankalar pahal\u0131 para bulup, ucuz kredi veremiyor. Bu nedenle Merkez d\u00fcn bankalar\u0131 rahatlatacak yeni bir ad\u0131m att\u0131.<\/p>\n<h2>ARKASI GELECEK<\/h2>\n<p>Zorunlu kar\u015f\u0131l\u0131k indirimi, bankalar\u0131n kasas\u0131ndaki paran\u0131n 1.2 milyar lira artmas\u0131 anlam\u0131na geliyor. Yani bankalar daha \u00e7ok kredi verebilecek. Maliyetler azal\u0131nca kredi faizleri daha da d\u00fc\u015fecek.<\/p>\n<p>Tabi mevduat faizlerinde de geri \u00e7ekilmeler olacak. Merkez&#8217;den faizi d\u00fc\u015f\u00fcrecek yeni ad\u0131mlar da bekleniyor. Mart ba\u015f\u0131nda ortalama t\u00fcketici kredi faizi y\u00fczde 19.96 iken A\u011fustos sonunda y\u00fczde 18.67&#8217;ye, ticari kredi faizi y\u00fczde y\u00fczde 15.50&#8217;den 11.47&#8217;ye konut kredisi faizi ise y\u00fczde 14.46 dan y\u00fczde 12.07&#8217;ye indi. Faizler hala istenen seviyede de\u011fil.<\/p>\n<h2>ZORUNLU HAMLE YARADI<\/h2>\n<p>Bankalar toplad\u0131klar\u0131 mevduat i\u00e7in Merkez Bankas\u0131&#8217;na bir kar\u015f\u0131l\u0131k yat\u0131rmak zorunda. Buna &#8220;zorunlu kar\u015f\u0131l\u0131k &#8221; deniyor. \u00d6rne\u011fin; 100 liran\u0131n 11 liras\u0131 zorunlu kar\u015f\u0131l\u0131k oluyor. Dolay\u0131s\u0131yla toplad\u0131\u011f\u0131 mevduat\u0131n 89 liras\u0131n\u0131 mevduat olarak verebiliyor. Di\u011fer yandan 100 liras\u0131 i\u00e7in mevduat faizi \u00f6d\u00fcyor. Merkez d\u00fcn s\u00fcrpriz bir \u015fekilde zorunlu kar\u015f\u0131l\u0131k oran\u0131n\u0131 t\u00fcm vadelerde y\u00fczde 0.50 d\u00fc\u015f\u00fcrd\u00fc. Ayr\u0131ca bankalar\u0131nda d\u00f6viz bulma maliyeti de azald\u0131.<\/p>\n<p>Bilal Emin TURAN\/Posta<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bankalar ge\u00e7en ay ba\u015fta konutta olmak \u00fczere faiz indirimine ba\u015flam\u0131\u015ft\u0131. Ancak indirimin arkas\u0131 gelmemi\u015fti. Sebebi ise maliyet. Merkez Bankas\u0131, bankalar\u0131n maliyetini d\u00fc\u015f\u00fcrecek yeni bir ad\u0131m daha att\u0131. \u0130\u015fte o haber&#8230; Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan, bankalara seslenerek \u201cBiraz az kazan\u0131n, faizleri d\u00fc\u015f\u00fcr\u00fcn Y\u0131ll\u0131k konut kredi faizi y\u00fczde 9&#8217;a do\u011fru insin\u201d demi\u015fti. Erdo\u011fan&#8217;\u0131n \u00e7a\u011fr\u0131s\u0131 kar\u015f\u0131l\u0131k bulmu\u015f bankalar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4247,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,26],"tags":[961,3110,3433,11575,180,11315,62,80,11091,2818,277,11487,2227,11314,89],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/5681"}],"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=5681"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/5681\/revisions"}],"predecessor-version":[{"id":5682,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/5681\/revisions\/5682"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/4247"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5681"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5681"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5681"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}