{"id":34269,"date":"2026-02-15T01:48:05","date_gmt":"2026-02-15T01:48:05","guid":{"rendered":"https:\/\/bihavadis.com\/?p=34269"},"modified":"2026-02-15T01:48:05","modified_gmt":"2026-02-15T01:48:05","slug":"konut-kredisi-faizi-geri-cekildi","status":"publish","type":"post","link":"https:\/\/bihavadis.com\/index.php\/2026\/02\/15\/konut-kredisi-faizi-geri-cekildi\/","title":{"rendered":"Konut kredisi faizi geri \u00e7ekildi"},"content":{"rendered":"

Ziraat Bankas\u0131 ile Halkbank, konut kredilerinde ayl\u0131k faiz oran\u0131n\u0131 y\u00fczde 2,49 seviyesine \u00e7ekti. Sekt\u00f6rde ortalama ayl\u0131k konut kredisi faizi ise y\u00fczde 2,99 olarak ger\u00e7ekle\u015fti. Faizlerdeki bu gerileme, konut kredisi kullanan vatanda\u015f\u0131n ayl\u0131k taksitlerini ve toplam geri \u00f6deme y\u00fck\u00fcn\u00fc belirgin \u015fekilde hafifletiyor.<\/p>\n

TCMB\u2019N\u0130N FA\u0130Z \u0130ND\u0130R\u0130M\u0130 KONUT KRED\u0130LER\u0130NE YANSIDI<\/strong><\/p>\n

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n (TCMB) Para Politikas\u0131 Kurulu, son 5 toplant\u0131da politika faizini toplam 900 baz puan indirerek y\u00fczde 46\u2019dan y\u00fczde 37\u2019ye \u00e7ekti. Enflasyondaki d\u00fc\u015f\u00fc\u015f e\u011filiminin s\u00fcrece\u011fine y\u00f6nelik beklentilerle birlikte bu ad\u0131mlar, bankalar\u0131n konut kredisi faizlerine de do\u011frudan yans\u0131d\u0131.<\/p>\n

Merkez Bankas\u0131 verilerine g\u00f6re, y\u0131ll\u0131k ortalama konut kredisi faizi y\u00fczde 35,93\u2019e gerileyerek Eyl\u00fcl 2023\u2019ten bu yana en d\u00fc\u015f\u00fck seviyesini g\u00f6rd\u00fc.<\/p>\n

KONUT KRED\u0130S\u0130 FA\u0130Z\u0130NDE 7 AYDA 7,68 PUANLIK D\u00dc\u015e\u00dc\u015e<\/strong><\/p>\n

30 Ocak 2026 itibar\u0131yla konut kredilerinde y\u0131ll\u0131k faiz oran\u0131 y\u00fczde 35,93\u2019e, ayl\u0131k faiz oran\u0131 ise y\u00fczde 2,99\u2019a kadar geriledi. Son 7 ayda konut kredisi faizlerinde ya\u015fanan toplam d\u00fc\u015f\u00fc\u015f 7,68 puana ula\u015ft\u0131.<\/p>\n

Bu geli\u015fme, konut almak isteyenler a\u00e7\u0131s\u0131ndan kredi ko\u015fullar\u0131n\u0131n yeniden daha ula\u015f\u0131labilir hale geldi\u011fine i\u015faret ediyor.<\/p>\n

<\/p>\n

1 M\u0130LYON TL\u2019L\u0130K KONUT KRED\u0130S\u0130NDE FA\u0130Z Y\u00dcK\u00dc 6 AYDA 722 B\u0130N TL ER\u0130D\u0130<\/strong><\/p>\n

Ayl\u0131k y\u00fczde 2,99 faiz oran\u0131yla 120 ay vadeli kullan\u0131lan 1 milyon TL\u2019lik konut kredisinde ayl\u0131k taksit 30 bin 798 TL olurken, toplam geri \u00f6deme 3 milyon 695 bin TL seviyesinde ger\u00e7ekle\u015fiyor.<\/p>\n

Ayn\u0131 kredi 6 ay \u00f6nce kullan\u0131lsayd\u0131 ayl\u0131k taksit 36 bin 810 TL\u2019ye, toplam geri \u00f6deme ise 4 milyon 417 bin TL\u2019ye ula\u015f\u0131yordu.\u2028Bu tablo, son 6 ayda faiz y\u00fck\u00fcn\u00fcn 722 bin TL azald\u0131\u011f\u0131n\u0131 net bi\u00e7imde ortaya koyuyor.<\/p>\n

1 M\u0130LYON TL\u2019L\u0130K, 120 AY VADEL\u0130 KRED\u0130DE FA\u0130Z Y\u00dcK\u00dc 215 B\u0130N TL D\u00dc\u015eT\u00dc<\/strong><\/p>\n

Konut kredisi faizini y\u00fczde 2,49 seviyesine \u00e7eken Ziraat Bankas\u0131 ve Halkbank \u00fczerinden 120 ay vadeyle kullan\u0131lan 1 milyon TL\u2019lik kredi, ayl\u0131k 26 bin 273 TL taksitle geri \u00f6deniyor.\u2028Bu durumda toplam \u00f6deme 3 milyon 152 bin TL\u2019ye geriliyor.<\/p>\n

Sekt\u00f6r ortalamas\u0131na k\u0131yasla bak\u0131ld\u0131\u011f\u0131nda, yeni faiz oranlar\u0131yla vatanda\u015f\u0131n ayl\u0131k \u00f6demesi 4 bin 525 TL, toplam geri \u00f6demesi ise 547 bin 460 TL azal\u0131yor.<\/p>\n

FA\u0130ZDE HER 0,2 PUANLIK D\u00dc\u015e\u00dc\u015e CEBE YANSIYOR<\/strong><\/p>\n

Konut kredilerinde ayl\u0131k faiz oran\u0131n\u0131n 0,2 puan d\u00fc\u015fmesi, 1 milyon TL\u2019lik kredide toplam geri \u00f6demeyi yakla\u015f\u0131k 215 bin TL azalt\u0131yor.\u2028Bu da faiz indirimlerinin, uzun vadede konut al\u0131c\u0131s\u0131n\u0131n y\u00fck\u00fcn\u00fc ciddi bi\u00e7imde hafifletti\u011fini g\u00f6steriyor.<\/p>\n

BANKA BANKA KONUT KRED\u0130S\u0130 FA\u0130Z\u0130<\/strong><\/p>\n

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

Konut kredisi faiz oranlar\u0131 h\u0131zla d\u00fc\u015fmeye devam ediyor. Ziraat Bankas\u0131 ve Halkbank, faiz oran\u0131n\u0131 y\u00fczde 2,49’a \u00e7ekerek tarihi bir ad\u0131m att\u0131. Vatanda\u015flar\u0131n konut kredisi y\u00fck\u00fc hafifliyor.<\/p>\n","protected":false},"author":1,"featured_media":34270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[856,430,824,5073,903],"class_list":["post-34269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-aylik","tag-banka","tag-faiz","tag-konut-kredisi","tag-kredi"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/34269","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=34269"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/34269\/revisions"}],"predecessor-version":[{"id":34273,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/34269\/revisions\/34273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/34270"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=34269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=34269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=34269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}