Darbe giri\u015fimi sonras\u0131 in\u015faat \u015firketleri kampanya ata\u011f\u0131na ba\u015flay\u0131p 120 ay 0.70 faiz imk\u00e2n\u0131 sununca konut pazar\u0131 canland\u0131. Bankalar da faizleri d\u00fc\u015f\u00fcrd\u00fc. Ancak vatanda\u015f bankalar yerine \u015firketlere bor\u00e7lanmay\u0131 se\u00e7ti. Markal\u0131 konut pazar\u0131nda temmuz ay\u0131nda y\u00fczde 43 olan banka kredisi kullan\u0131m oran\u0131 a\u011fustosta y\u00fczde 32\u2019ye, eyl\u00fclde y\u00fczde 29\u2019a geriledi.<\/p>\n
Darbe giri\u015fimi sonras\u0131 in\u015faat sekt\u00f6r\u00fc, kampanya ata\u011f\u0131 ba\u015flatm\u0131\u015ft\u0131. Yakla\u015f\u0131k 60 bin konut ve ofis 120 ay 0 faizle sat\u0131\u015fa sunuldu. Ard\u0131ndan Cumhurba\u015fkan\u0131M\u00fcteahhite bor\u00e7lan\u0131yoruz Recep Tayyip Erdo\u011fan\u2019\u0131n \u00e7a\u011fr\u0131s\u0131 ile konut kredi faizlerinde d\u00fc\u015f\u00fc\u015f oldu.<\/p>\n
Bankalar 1.10\u2019u a\u015fan oran\u0131 120 ay vadede 0.95\u2019e kadar \u00e7ekti. Ancak in\u015faat \u015firketlerinin sundu\u011fu \u00f6deme plan\u0131 daha avantajl\u0131 olunca banka kredili al\u0131m de\u011fil, \u015firketlerin sundu\u011fu \u00f6deme planlar\u0131 tercih edildi. Gayrimenkul ve Gayrimenkul Yat\u0131r\u0131m Ortakl\u0131\u011f\u0131 Derne\u011fi (GYODER) ile gayrimenkul dan\u0131\u015fmanl\u0131k \u015firketi Reidin taraf\u0131ndan 22 bini a\u015fk\u0131n konut \u00fczerinde yap\u0131lan ara\u015ft\u0131rmaya g\u00f6re markal\u0131 konut projelerinde banka kredili al\u0131m oran\u0131 temmuz ay\u0131nda y\u00fczde 43\u2019ken a\u011fustosta 31, eyl\u00fclde 29 oldu. Senetli al\u0131m ise temmuzda y\u00fczde 22 paya sahipken bu oran a\u011fustosta y\u00fczde 39, eyl\u00fclde y\u00fczde 37 oldu.<\/p>\n
Merkez Bankas\u0131 verilerine g\u00f6re de temmuzda mevduat bankalar\u0131ndan kullan\u0131lan konut kredisi miktar\u0131 139.2 milyar lira iken bu rakam a\u011fustosta 140.8 milyar liraya \u00e7\u0131kt\u0131. Bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131klar\u0131 indirimin psikolojik etkisi hen\u00fcz tam olarak talebe yans\u0131mad\u0131.<\/p>\n
Y\u00dcZDE 85 SATI\u015e KRED\u0130S\u0130Z<\/h2>\n
![](\"http:\/\/emlakkulisi.com\/resim\/tamboyut\/ODkwODU2NT-konut-alicilari-bankalar-yerine-insaat-firmalarina-borclaniyor.jpg\")
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A\u011fustos ay\u0131nda ba\u015flatt\u0131klar\u0131 kampanyaya yo\u011fun ilgi oldu\u011funu belirten Emlak Konut GYO Genel M\u00fcd\u00fcr\u00fc Murat Kurum, \u201dBankalar olmadan \u2018istersen 120 M\u00fcteahhite bor\u00e7lan\u0131yoruz aya kadar 0.70 faizle al, istersen T\u00dcFE endeksli al\u2019 dedik. A\u011fustos ve eyl\u00fclde kampanya kapsam\u0131nda yakla\u015f\u0131k 3 bin konut ve ofis banka kredisiz, \u015firket i\u00e7i \u00f6deme plan\u0131yla sat\u0131ld\u0131. De\u011feri ise 2 milyar 281 milyon. Emlak Konut\u2019un t\u00fcm sat\u0131\u015flar\u0131na bak\u0131nca yine kredisiz sat\u0131\u015f \u00f6n planda. Eyl\u00fcl ay\u0131 itibariyle 5 bin 856 ev sat\u0131lm\u0131\u015f ve bunun sadece 930\u2019u kredili, 4 bin 929\u2019u kredisiz. Yani kredisiz sat\u0131\u015f oran\u0131 y\u00fczde 85. \u00a0De\u011fer olarak bak\u0131nca da 4.1 milyarl\u0131k sat\u0131\u015f\u0131n 3.4 milyar\u0131 kredisiz ger\u00e7ekle\u015fti. Konut al\u0131c\u0131s\u0131 i\u00e7in 0.95 hala kabul edilebilir bir oran de\u011fil. Vatanda\u015f bu d\u00f6nemde bu oranla uzun s\u00fcre bor\u00e7lanmak istemiyor\u201d dedi.![](\"http:\/\/emlakkulisi.com\/resim\/tamboyut\/MTQ5ODU3Mj-konut-alicilari-bankalar-yerine-insaat-firmalarina-borclaniyor.jpg\")
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\u015e\u0130RKETLER\u0130N PLANI \u00d6NE \u00c7IKTI<\/h2>\n
![](\"http:\/\/emlakkulisi.com\/resim\/tamboyut\/NDIwMTc5Mj-konut-alicilari-bankalar-yerine-insaat-firmalarina-borclaniyor.jpg\")
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Bankalar\u0131n konut kredilerinde yapt\u0131klar\u0131 indirimin \u015firketlerin y\u00fck\u00fcn\u00fc hafifletti\u011fini belirten GYODER Ba\u015fkan\u0131 Aziz Torun, \u201cKonut kredileri y\u0131ll\u0131k y\u00fczde 10, ayl\u0131k y\u00fczde 1\u2019in alt\u0131nda olmal\u0131. Yap\u0131lan indirimin psikolojik bir etkisi oldu. Vatanda\u015f sat\u0131\u015f ofisine gelince ise \u015firketlerin sundu\u011fu planlar \u00f6ne \u00e7\u0131kt\u0131. Bunu hem GYODER \u00fcyesi firmalar\u0131n yapt\u0131\u011f\u0131 sat\u0131\u015flarda hem de Torunlar GYO projelerinde g\u00f6r\u00fcyoruz. Kampanya etkisi ile sadece a\u011fustos ay\u0131nda 2 bin konut sat\u0131ld\u0131 ancak d\u00f6vizdeki dalgalanma \u00f6nemli bir risk. Dolardaki hareketlilik yat\u0131r\u0131m i\u015ftah\u0131n\u0131 azaltabilir\u201d dedi.<\/p>\n
![](\"http:\/\/emlakkulisi.com\/resim\/tamboyut\/OTQ4MDk2MT-konut-alicilari-bankalar-yerine-insaat-firmalarina-borclaniyor.jpg\")
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Dap Yap\u0131 Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ziya Y\u0131lmaz, m\u00fc\u015fterilerin a\u011f\u0131rl\u0131kl\u0131 olarak kendilerine bor\u00e7lanmay\u0131 se\u00e7ti\u011fini s\u00f6yledi. Bankalar\u0131n konut kredi faizlerinde bir miktar daha d\u00fc\u015f\u00fc\u015f yapmas\u0131 gerekti\u011fini belirten Y\u0131lmaz, \u201cBiz piyasada canl\u0131l\u0131k olmas\u0131 ad\u0131na fedakarl\u0131k yap\u0131yoruz ama bu \u00e7ok uzun s\u00fcre s\u00fcrmez\u201d dedi. Sur Yap\u0131 Y\u00f6netim Kurulu Ba\u015fkan\u0131 Altan Elmas, yat\u0131r\u0131mc\u0131 kesimin banka kredisi kullanmadan ev sahibi olmay\u0131 se\u00e7ti\u011fini s\u00f6yledi. Elmas, \u201cVatanda\u015f bir miktar pe\u015fin \u00f6deyip banka ile u\u011fra\u015fmadan \u015firkete bor\u00e7lan\u0131yor. Mesela biz Bursa\u2019daki projemizin y\u00fczde 90\u2019\u0131n\u0131 b\u00f6yle satt\u0131k. \u0130stanbul projelerinde ise banka kredisi kullan\u0131m\u0131 var. Burada as\u0131l sorun bankalar\u0131n tutumu. Bankalar 0.90, 0.95 oranla kredi kulland\u0131rmak istemiyor. Ba\u015fvuran ki\u015fide ufak bir sorun g\u00f6r\u00fcnce redediyorlar. T\u00fcketici kredilerine te\u015fvik var, konut kredilerine yok\u201d dedi.<\/p>\n
H\u00fcrriyet<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Darbe giri\u015fimi sonras\u0131 in\u015faat \u015firketleri kampanya ata\u011f\u0131na ba\u015flay\u0131p 120 ay 0.70 faiz imk\u00e2n\u0131 sununca konut pazar\u0131 canland\u0131. Bankalar da faizleri d\u00fc\u015f\u00fcrd\u00fc. Darbe giri\u015fimi sonras\u0131 in\u015faat \u015firketleri kampanya ata\u011f\u0131na ba\u015flay\u0131p 120 ay 0.70 faiz imk\u00e2n\u0131 sununca konut pazar\u0131 canland\u0131. Bankalar da faizleri d\u00fc\u015f\u00fcrd\u00fc. Ancak vatanda\u015f bankalar yerine \u015firketlere bor\u00e7lanmay\u0131 se\u00e7ti. Markal\u0131 konut pazar\u0131nda temmuz ay\u0131nda […]<\/p>\n","protected":false},"author":1,"featured_media":3890,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,26],"tags":[961,459,67,11239,80,4332,4333,4760,11205,11510,301],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6906"}],"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=6906"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6906\/revisions"}],"predecessor-version":[{"id":6908,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/6906\/revisions\/6908"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/3890"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6906"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6906"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6906"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}