{"id":7253,"date":"2016-11-01T11:57:14","date_gmt":"2016-11-01T08:57:14","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=7253"},"modified":"2018-07-05T15:08:43","modified_gmt":"2018-07-05T12:08:43","slug":"ev-alacaklara-mujde-bankalar-konut-kredisi-faizlerini-indiriyor","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=7253","title":{"rendered":"Ev alacaklara m\u00fcjde bankalar konut kredisi faizlerini indiriyor"},"content":{"rendered":"

Bankalar konut kredisi faiz oranlar\u0131n\u0131 indirmeye ba\u015flad\u0131. \u0130\u015f Bankas\u0131 konut kredisi faizini y\u00fczde 0.95 den y\u00fczde 0.90\u2019a \u00e7ekerken, Akbank ise konut kredisi faiz oranlar\u0131 y\u00fczde 0.90\u2019a \u00e7ekti.<\/h1>\n
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BA\u015eBAKAN Yard\u0131mc\u0131s\u0131 Nurettin Canikli\u2019nin bankalar\u0131 faiz indirimi toplant\u0131lar\u0131nda ilk ikna olan\u0131n \u0130\u015f Bankas\u0131 olmu\u015f gibi g\u00f6r\u00fcn\u00fcyor. \u0130\u015f Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Adnan Bali, ticari, konut, t\u00fcketici, ta\u015f\u0131t kredi ve kredi kart\u0131 faizlerinde indirime gittiklerini a\u00e7\u0131klad\u0131. Bali\u2019nin verdi\u011fi bilgiye g\u00f6re, esnaf ve k\u00fc\u00e7\u00fck \u00f6l\u00e7ekli i\u015fletmelerin ticari kredi i\u00e7in ayl\u0131k bile\u015fik maliyeti y\u00fczde 1.25\u2019ten y\u00fczde 0.99\u2019a \u00e7ekildi. Bu y\u0131ll\u0131k faiz maliyetini 3 puandan fazla d\u00fc\u015f\u00fcrecek. Ayr\u0131ca konut kredisinde y\u00fczde 0.95 olan faizi y\u00fczde 0.90\u2019a \u00e7ekerken ihtiya\u00e7 kredisi faizini y\u00fczde 1.20\u2019den y\u00fczde 1.15\u2019e d\u00fc\u015f\u00fcrd\u00fc. Kredi kart\u0131 faizi ise y\u00fczde 2.02\u2019den y\u00fczde 1.90\u2019a indirildi. Ta\u015f\u0131t kredisi faizleri de y\u00fczde 1.18\u2019den y\u00fczde 1.10\u2019a \u00e7ekildi. Bali, fonlama ve arac\u0131l\u0131k maliyetlerinde d\u00fc\u015f\u00fc\u015f g\u00f6zlediklerinde indirime devam edeceklerini s\u00f6yledi.<\/p>\n<\/div>\n

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Bali, d\u00fcn d\u00fczenledi\u011fi toplant\u0131da, 15 Temmuz sonras\u0131nda zor d\u00f6nemler i\u00e7in \u00f6zel sorumluluklar y\u00fcklenmi\u015f bir kurum olarak \u00e7al\u0131\u015ft\u0131klar\u0131n\u0131 belirterek, \u201cYa\u015fad\u0131\u011f\u0131m\u0131z hi\u00e7 beklemedi\u011fimiz badirelere kar\u015f\u0131 g\u00fcc\u00fcm\u00fcz\u00fc, bilan\u00e7o imkanlar\u0131m\u0131z\u0131 bu y\u00f6nde kullanaca\u011f\u0131m\u0131z\u0131 belirttik ve herkesi b\u00f6yle davranmaya \u00e7a\u011f\u0131rd\u0131k. B\u00f6yle durumlarda do\u011fal olarak bankalardan beklentiler art\u0131yor ve s\u0131k\u0131nt\u0131lar\u0131 kald\u0131ramayanlar\u0131n hakl\u0131 beklentileri oluyor. Bunu \u00e7ok do\u011fal ve hakl\u0131 buluyorum. \u00c7ok sa\u011flam bir duru\u015f sergiledik. Bunu b\u00f6yle yapm\u0131\u015f olmak bize ait bir ba\u015far\u0131 de\u011fil, b\u00f6yle ola\u011fan d\u0131\u015f\u0131 ortamda g\u00fc\u00e7l\u00fck yaratacak ola\u011fan d\u0131\u015f\u0131 tedbirlere y\u00f6neltecek m\u00fc\u015fteri davran\u0131\u015flar\u0131 da olmad\u0131\u201d dedi.<\/p>\n

11 M\u0130LYARLIK SATI\u015e<\/h2>\n

Ne ola\u011fan d\u0131\u015f\u0131 mevduat \u00e7\u0131k\u0131\u015f\u0131, ne de kredi talebi ile kar\u015f\u0131la\u015ft\u0131klar\u0131n\u0131 s\u00f6yleyen Bali, aksine vatanda\u015f\u0131n 11 milyar dolar\u0131n \u00fczerinde d\u00f6viz sat\u0131\u015f\u0131 yapt\u0131\u011f\u0131n\u0131 kaydetti. Bali \u015f\u00f6yle konu\u015ftu: \u201cBunu uluslararas\u0131 muhataplar\u0131m\u0131z anlamakta zorland\u0131. Vatanda\u015flar tanklar\u0131 durdurmakla kalmad\u0131 ekonomide de refleks g\u00f6sterdi. Merkez Bankas\u0131 kontrol\u00fc eline ald\u0131. 3. s\u0131n\u0131f bir \u00fclke olma riski varken, 1. s\u0131n\u0131f bir demokrasi s\u0131nav\u0131 verdik. Bir m\u00fc\u015fterimiz arabas\u0131nda tuttu\u011fu dolar\u0131 bile bankaya getirip koydu.\u201d\u00d6zkayna\u011f\u0131, sermayeyi bu \u00fclkeden kazand\u0131klar\u0131n\u0131, sermayenin de istiflensin diye olu\u015fmad\u0131\u011f\u0131n\u0131 vurgulayan Bali, sadece kendilerini koruma refleksiyle hareket edip krize haz\u0131rl\u0131k yapanlar\u0131n bizzat krizi haz\u0131rlam\u0131\u015f olacaklar\u0131n\u0131 s\u00f6yledi.<\/p>\n

FERAGAT YARI\u015eI<\/h2>\n

Bali \u015f\u00f6yle devam etti: \u201cKrize kar\u015f\u0131 dalgak\u0131ran gibi bir davran\u0131\u015f sergilemeliyiz. Bu \u00fclkenin vatanda\u015flar\u0131 ve kurumlar\u0131y\u0131z. Vatanda\u015f olmak sadece refah\u0131 payla\u015fmak demek de\u011fildir. Me\u015fakkati de zorluklar\u0131 da payla\u015fmal\u0131y\u0131z. B\u00f6yle bir duru\u015fun kredileri yeniden yap\u0131land\u0131rma ve fiyatlama politikalar\u0131nda kar\u015f\u0131l\u0131\u011f\u0131 olmal\u0131. Pop\u00fclist olal\u0131m demiyorum. Ama \u00e7eyrek bazl\u0131 performanslar\u0131 de\u011fil, sistemin sa\u011fl\u0131\u011f\u0131n\u0131 korumal\u0131y\u0131z. Bankalar olarak yar\u0131\u015facaksak, k\u00e2r yar\u0131\u015f\u0131 de\u011fil feragat yar\u0131\u015f\u0131 yapmal\u0131y\u0131z.\u201d Bali, ard\u0131ndan faizlerdeki indirim oranlar\u0131n\u0131 \u201cYeni bir d\u00f6nemi ba\u015flat\u0131yoruz\u201d diyerek a\u00e7\u0131klad\u0131. Esnaf ve k\u00fc\u00e7\u00fck i\u015fletmelerde y\u00fczde 0.99\u2019luk faizle maksimum kullan\u0131lacak kredinin 100 bin TL olaca\u011f\u0131n\u0131 s\u00f6yledi. Konutta ayl\u0131k faizi y\u00fczde 0.95\u2019e \u00e7ektikleri faizi \u015fimdi 0.90\u2019a indirdiklerini ve 11 A\u011fustos-26 Ekim aras\u0131nda 1.6 milyar TL kredi kulland\u0131rd\u0131klar\u0131n\u0131 kaydeden Bali \u201cH\u00fck\u00fcmetin canland\u0131rma politikalar\u0131na kat\u0131l\u0131yoruz. Finans sekt\u00f6r\u00fc olarak sadece arac\u0131y\u0131z diyemeyiz. Bu d\u00f6nem \u00f6zel bir d\u00f6nem. Kar kredi olarak geri d\u00f6n\u00fcyor. Tekil olarak yanl\u0131\u015f yapan bankalar tabii ki var. Bunu da buldu\u011fumuz anda d\u00fczeltiyoruz\u201d dedi.<\/p>\n

\u00d6nc\u00fcl\u00fck yapmak istediklerini ve risk primini d\u00fc\u015f\u00fcrmek i\u00e7in proaktif davrand\u0131klar\u0131na i\u015faret eden Bali, \u015f\u00f6yle dedi: \u201cS\u00fctten a\u011fz\u0131 yanan \u00f6rne\u011finde oldu\u011fu gibi hi\u00e7 kimseyle konu\u015fmad\u0131k. Hi\u00e7bir \u015fey konu\u015fmadan ilerliyoruz. Bir hafta s\u00fcren dahili \u00e7al\u0131\u015fmalar\u0131m\u0131zla faiz indirimi karar\u0131 ald\u0131k. \u00d6nc\u00fcl\u00fck yapmak istedik.\u201d<\/p>\n

Y\u00dcZDE 5 B\u00dcY\u00dcME \u0130\u00c7\u0130N Y\u00dcZDE 15 KRED\u0130 B\u00dcY\u00dcMES\u0130<\/h2>\n

\u0130\u015e Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Bali, sermaye yeterliliklerinin korunmas\u0131 gerekti\u011fine dikkat \u00e7ekerek \u201c\u00c7\u00fcnk\u00fc kredi i\u00e7in bu \u015fart. B\u00fcy\u00fcme ile krediler aras\u0131nda do\u011frudan bir ili\u015fki var. Y\u00fczde 5 b\u00fcy\u00fcme i\u00e7in kredi b\u00fcy\u00fcmesi en az y\u00fczde 15 olmal\u0131\u201d dedi. \u00dclke olarak karamsar olunmamas\u0131 gerekti\u011fini belirten Bali, 27 \u00e7eyrektir kesintisiz b\u00fcy\u00fcyen T\u00fcrkiye\u2019nin b\u00f6yle bir y\u0131lda bile y\u00fczde 3\u2019\u00fcn \u00fcst\u00fcnde b\u00fcy\u00fcyece\u011fini kaydetti. Bali \u201cKaramsar olmamal\u0131y\u0131z\u201d diye konu\u015ftu.<\/p>\n

AKBANK KONUTTA FA\u0130Z\u0130 \u0130ND\u0130RD\u0130<\/h2>\n

AKBANK da konut kredi faizlerinde indirime gitti. Bankadan yap\u0131lan a\u00e7\u0131klamaya g\u00f6re iki y\u0131la kadar olan vadelerde konut kredisi faiz oranlar\u0131 y\u00fczde 0.90\u2019a indirildi. \u0130ki y\u0131l\u0131n \u00fczerindeki vadelerde be\u015f y\u0131la kadar y\u00fczde 0.93, yedi y\u0131la kadar y\u00fczde 0.95 ve yedi y\u0131l\u0131n \u00fczerinde y\u00fczde 0.97 faiz oran\u0131 uygulanacak. Akbank, ayr\u0131ca 31 Aral\u0131k\u2019a kadar krediyle ilk kez ev sahibi olacak m\u00fc\u015fterilerine 500 TL\u2019ye kadar chip-para kampanyas\u0131 ba\u015flatt\u0131.<\/p>\n

H\u00fcrriyet<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Bankalar konut kredisi faiz oranlar\u0131n\u0131 indirmeye ba\u015flad\u0131. \u0130\u015f Bankas\u0131 konut kredisi faizini y\u00fczde 0.95 den y\u00fczde 0.90\u2019a \u00e7ekerken, Akbank ise konut kredisi faiz oranlar\u0131 y\u00fczde 0.90\u2019a \u00e7ekti. BA\u015eBAKAN Yard\u0131mc\u0131s\u0131 Nurettin Canikli\u2019nin bankalar\u0131 faiz indirimi toplant\u0131lar\u0131nda ilk ikna olan\u0131n \u0130\u015f Bankas\u0131 olmu\u015f gibi g\u00f6r\u00fcn\u00fcyor. \u0130\u015f Bankas\u0131 Genel M\u00fcd\u00fcr\u00fc Adnan Bali, ticari, konut, t\u00fcketici, ta\u015f\u0131t kredi ve […]<\/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":[221,1,26,27,97],"tags":[961,4667,4668,4666,80,11091,3188,951,277,11487,2199,2659,1257],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/7253"}],"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=7253"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/7253\/revisions"}],"predecessor-version":[{"id":7255,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/7253\/revisions\/7255"}],"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=7253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}