{"id":18905,"date":"2026-02-06T18:51:38","date_gmt":"2026-02-06T18:51:38","guid":{"rendered":"https:\/\/bihavadis.com\/?p=18905"},"modified":"2026-02-06T18:51:38","modified_gmt":"2026-02-06T18:51:38","slug":"konut-kredilerinde-yeni-donem-birinci-ikinci-el-ayrimi-kaldirildi-azami-kredi-tutari-yukseltildi","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/06\/konut-kredilerinde-yeni-donem-birinci-ikinci-el-ayrimi-kaldirildi-azami-kredi-tutari-yukseltildi\/","title":{"rendered":"Konut kredilerinde yeni d\u00f6nem: Birinci-ikinci el ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131, azami kredi tutar\u0131 y\u00fckseltildi"},"content":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) konut kredileri ile ilgili yeni bir d\u00fczenlemeye gitti. <\/p>\n

B\u0130R\u0130NC\u0130-\u0130K\u0130NC\u0130 EL KONUT AYRIMI KALDIRILDI<\/b><\/p>\n

Buna g\u00f6re, konut kredilerinde birinci ve ikinci el konut ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131. Ayr\u0131ca ‘C’ enerji s\u0131n\u0131f\u0131 konutlar da avantajl\u0131 kredi oran\u0131 uygulanan krediler kapsam\u0131na al\u0131nd\u0131. <\/p>\n

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<\/figure>\n<\/div>\n

5 M\u0130LYON TL ALTINDAK\u0130 KONUTLARDA, KRED\u0130 TUTARI KONUT DE\u011eER\u0130N\u0130N Y\u00dcZDE 90’INA KADAR \u00c7IKAB\u0130LECEK <\/b><\/p>\n

Ayr\u0131ca konut ve konut teminatl\u0131 kredilerde uygulanacak azami kredi tutarlar\u0131 da yeniden belirlendi. Karara g\u00f6re, konutun de\u011feri ve enerji s\u0131n\u0131f\u0131na g\u00f6re kredi tutar\u0131 farkl\u0131 oranlarda uygulanacak. \u00d6rne\u011fin, de\u011feri 5 milyon TL ve alt\u0131nda olan konutlarda, kredi tutar\u0131 konut de\u011ferinin y\u00fczde 90’\u0131na kadar \u00e7\u0131kabilecek. 5\u20137 milyon TL aras\u0131ndaki konutlar i\u00e7in oran y\u00fczde 70\u201380, 7\u201310 milyon TL aras\u0131ndaki konutlar i\u00e7in y\u00fczde 60\u201370, 10\u201320 milyon TL i\u00e7in y\u00fczde 40\u201350, 20 milyon TL \u00fczerindeki konutlarda ise y\u00fczde 20\u201340 aral\u0131\u011f\u0131nda olacak.<\/p>\n

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<\/figure>\n<\/div>\n

KONUTU BULUNANLAR \u0130\u00c7\u0130N Y\u00dcZDE 75 AZALTILARAK UYGULANACAK<\/b><\/p>\n

\u00d6te yandan, kendisi, e\u015fi veya 18 ya\u015f alt\u0131 \u00e7ocu\u011fu ad\u0131na konut bulunan ki\u015filer i\u00e7in kredi oranlar\u0131 y\u00fczde 75 azalt\u0131larak uygulanacak. D\u00fczenlemenin temel amac\u0131n\u0131n, ilk kez ev sahibi olacak vatanda\u015flara finansman kolayl\u0131\u011f\u0131 sa\u011flamak oldu\u011fu belirtildi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu, konut kredilerinde kapsaml\u0131 bir d\u00fczenlemeye gitti. Buna g\u00f6re, konut kredilerinde birinci ve ikinci el konut ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131. ‘C’ enerji s\u0131n\u0131f\u0131 konutlar da avantajl\u0131 kredi oran\u0131 uygulanan krediler kapsam\u0131na al\u0131n\u0131rken, konut ve konut teminatl\u0131 kredilerde uygulanacak azami kredi tutarlar\u0131 da yeniden belirlendi. Art\u0131k\u00a05 milyon TL alt\u0131ndaki konutlarda, kredi tutar\u0131 konut de\u011ferinin y\u00fczde 90’\u0131na kadar \u00e7\u0131kabilecek.<\/p>\n","protected":false},"author":1,"featured_media":18906,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[818,903,2207],"class_list":["post-18905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-konut","tag-kredi","tag-milyon-tl"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/18905","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/comments?post=18905"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/18905\/revisions"}],"predecessor-version":[{"id":18909,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/18905\/revisions\/18909"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/18906"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=18905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=18905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=18905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}