Emlak Uzman\u0131 Mustafa Hakan \u00d6zelmac\u0131kl\u0131, “Konut kredilerinde beklenen d\u00fczenleme yap\u0131ld\u0131. 1’inci el konut ve 2’nci el konut al\u0131mlar\u0131na g\u00f6re farkl\u0131 uygulanan kredilendirme oran\u0131 kald\u0131r\u0131ld\u0131. Ayr\u0131ca enerji s\u0131n\u0131f\u0131 kademesi de tekrar d\u00fczenlendi” dedi.<\/p>\n
BDDK’dan yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, konut al\u0131m\u0131nda ve konut teminatl\u0131 kredilerde kulland\u0131r\u0131labilecek azami kredi tutarlar\u0131 art\u0131r\u0131ld\u0131. Konut kredilerindeki s\u0131n\u0131rlamalarda s\u0131f\u0131r ve ikinci el ayr\u0131m\u0131 da kald\u0131r\u0131ld\u0131. Art\u0131k kredi kullan\u0131m miktarlar\u0131 sadece evin bedeline g\u00f6re belirlenecek. Konuya ili\u015fkin de\u011ferlendirmelerde bulunan Alt\u0131n Emlak Global Y\u00f6netim Kurulu Ba\u015fkan\u0131 Mustafa Hakan \u00d6zelmac\u0131kl\u0131, “Konut kredilerinde beklenen d\u00fczenleme yap\u0131ld\u0131. 1’inci el konut ve 2’nci el konut al\u0131mlar\u0131na g\u00f6re farkl\u0131 uygulanan kredilendirme oran\u0131 kald\u0131r\u0131ld\u0131. Ayr\u0131ca enerji s\u0131n\u0131f\u0131 kademesi de tekrar d\u00fczenlendi. Buna g\u00f6re C s\u0131n\u0131f\u0131 konutlar i\u00e7in daha y\u00fcksek oranda kredi \u00e7ekilebilecek. M\u00fc\u015fterinin evli ise e\u015finin ve 18 ya\u015f\u0131ndan k\u00fc\u00e7\u00fck \u00e7ocuklar\u0131n\u0131n ad\u0131na en az bir kay\u0131tl\u0131 konut varsa belirlenen oranlar\u0131n y\u00fczde 75 azalt\u0131larak uygulanmas\u0131na ise devam edilecek. Daha \u00f6nce ekspertiz de\u011feri 5 milyon olan ikinci el C enerji s\u0131n\u0131f\u0131 bir konut i\u00e7in kredi \u00e7ekilebilir oran y\u00fczde 50 \u00fczerinden 2,5 milyon TL ile s\u0131n\u0131rl\u0131 iken, yeni d\u00fczenleme ile ayn\u0131 konut i\u00e7in y\u00fczde 80 \u00fczerinden 4 milyon TL kredi \u00e7ekilebilecek” dedi.<\/p>\n
“\u0130lk defa ev alacaklar i\u00e7in \u00f6nemli f\u0131rsat”<\/p>\n
Yap\u0131lan d\u00fczenlemenin ilk defa ev alacaklar i\u00e7in \u00e7ok \u00f6nemli oldu\u011funu ifade eden \u00d6zelmac\u0131kl\u0131, “Kira enflasyonundaki gerileme konut sahipli\u011fini art\u0131rmaya ba\u011fl\u0131. Faiz indirimleri ile \u00f6n\u00fcm\u00fczdeki d\u00f6nemde konut kredileri daha da ula\u015f\u0131labilir seviyelere gerileyecek. Ge\u00e7en y\u0131l Ocak ay\u0131nda 2.89 seviyelerinde olan oranlar, bu sene 2.49 seviyelerinde. Bu \u00f6n\u00fcm\u00fczdeki d\u00f6nemde daha da gerileyecek. Hatta y\u00fcksek orandan kredi \u00e7eken m\u00fc\u015fterilerin tekrar yap\u0131land\u0131rma imkan\u0131 da s\u00f6z konusu. Fiyatlara yans\u0131madan hareket eden gayrimenkul taraf\u0131ndan bu sene kazan\u00e7l\u0131 \u00e7\u0131kacak. Alt\u0131ndan bu seviyelerden d\u00f6n\u00fc\u015fler ile f\u0131rsat niteli\u011finde ikinci el dairelerin tam de\u011ferlendirilme zaman\u0131” dedi.<\/p>\n
“\u0130potekli sat\u0131\u015flar\u0131n pay\u0131 artacak”<\/p>\n
T\u00fcrkiye genelinde 2025 y\u0131l\u0131nda 1 milyon 688 bin 910 konut sat\u0131ld\u0131\u011f\u0131n\u0131 ve bu sat\u0131\u015flarda ipotekli sat\u0131\u015flar\u0131n pay\u0131n\u0131n y\u00fczde 14 olarak ger\u00e7ekle\u015fti\u011fini belirten \u00d6zelmac\u0131kl\u0131, “M\u00fc\u015fterilerimiz \u00f6zellikle kredilendirme limitlerine tak\u0131l\u0131yorlar ve bu nedenle asl\u0131nda kredi \u00e7ekemiyorlard\u0131. Yeni d\u00fczenleme ile ipotekli sat\u0131\u015flar\u0131n pay\u0131n\u0131n artmas\u0131n\u0131 bekliyoruz. BDDK verilerine g\u00f6re 23 Ocak itibar\u0131 ile konut kredi hacmi 687 milyar liray\u0131 a\u015ft\u0131. Y\u0131l i\u00e7inde faizlerdeki gerileme ile ipotekli sat\u0131\u015flar\u0131n bu seneki pay\u0131n\u0131n y\u00fczde 25’i yakalayabilece\u011fini d\u00fc\u015f\u00fcn\u00fcyoruz” dedi. – \u0130STANBUL<\/p>\n","protected":false},"excerpt":{"rendered":"
Konut kredilerinde 1’inci ve 2’nci el ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131, azami kredi tutarlar\u0131 art\u0131r\u0131ld\u0131.<\/p>\n","protected":false},"author":1,"featured_media":20460,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2732,818,3731,903,1746],"class_list":["post-20459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-duzenleme","tag-konut","tag-konut-kredi","tag-kredi","tag-oran"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/20459","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=20459"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/20459\/revisions"}],"predecessor-version":[{"id":20461,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/20459\/revisions\/20461"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/20460"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=20459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=20459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=20459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}