T\u00fcrkiye’de konut sahibi olmak isteyenler ile yat\u0131r\u0131m ama\u00e7l\u0131 al\u0131m planlayanlar\u0131n yak\u0131ndan izledi\u011fi kredi faizlerinde bankalar aras\u0131ndaki yar\u0131\u015f h\u0131z kazand\u0131. <\/p>\n
\u00d6zellikle kamu bankalar\u0131n\u0131n \u00f6nc\u00fcl\u00fc\u011f\u00fcnde ba\u015flayan faiz indirimi ad\u0131mlar\u0131, \u00f6zel bankalara da yans\u0131d\u0131. Konut kredisi oranlar\u0131 bir\u00e7ok bankada y\u00fczde 2,50\u20132,60 aral\u0131\u011f\u0131na kadar gerilerken, piyasada hareketlilik beklentisi artt\u0131. Sekt\u00f6rde “en d\u00fc\u015f\u00fck oran” olarak \u00f6ne \u00e7\u0131kan Ziraat Bankas\u0131’n\u0131n y\u00fczde 2,49’luk faiz se\u00e7ene\u011fi sonras\u0131 rekabet daha da belirginle\u015fti. <\/p>\n
4 M\u0130LYON TL KONUT KRED\u0130S\u0130NDE 800 B\u0130N TL PE\u015e\u0130NAT GEREK\u0130YOR<\/b><\/p>\n
\u00d6te yandan Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu’nun (BDDK) son karar\u0131 da konut finansman\u0131nda yeni bir d\u00f6nemi ba\u015flatt\u0131. 5 milyon TL’ye kadar olan konutlarda kredi kullan\u0131m oran\u0131 y\u00fczde 80’e y\u00fckseltildi. Bu d\u00fczenlemeye g\u00f6re 4 milyon TL de\u011ferindeki bir konut i\u00e7in al\u0131c\u0131n\u0131n 800 bin TL pe\u015finat \u00f6demesi gerekiyor. Kalan 3 milyon 200 bin TL ise krediyle finanse edilebiliyor.<\/p>\n
Peki 120 ay vadede bu tutar\u0131n geri \u00f6deme tablosu nas\u0131l \u015fekilleniyor? \u0130\u015fte bankalara g\u00f6re \u00f6rnek hesaplama:<\/p>\n
EN UCUZ KONUT KRED\u0130LER\u0130<\/b><\/p>\n
Kredi Tutar\u0131: <\/strong>3.200.000 TL<\/p>\n Vade:<\/strong> 120 Ay<\/p>\n Z\u0130RAAT BANKASI \u2013 Y\u00fczde 2,49<\/b><\/p>\n Ayl\u0131k Taksit:<\/strong> 82.300 TL<\/p>\n Toplam Geri \u00d6deme:<\/strong> 9.876.000 TL<\/p>\n Toplam Faiz:<\/strong> 6.676.000 TL<\/p>\n AKBANK \u2013 Y\u00fczde 2,49<\/b><\/p>\n Ayl\u0131k Taksit:<\/strong> 82.300 TL<\/p>\n Toplam Geri \u00d6deme: <\/strong>9.876.000 TL<\/p>\n Toplam Faiz: <\/strong>6.676.000 TL<\/p>\n \u0130\u015e BANKASI \u2013 Y\u00fczde 2,50<\/b><\/p>\n Ayl\u0131k Taksit:<\/strong> 83.100 TL<\/p>\n Toplam Geri \u00d6deme: <\/strong>9.972.000 TL<\/p>\n Toplam Faiz: <\/strong>6.772.000 TL<\/p>\n VAKIF KATILIM \u2013 Y\u00fczde 2,54<\/b><\/p>\n Ayl\u0131k Taksit:<\/strong> 85.300 TL<\/p>\n Toplam Geri \u00d6deme: <\/strong>10.236.000 TL<\/p>\n Toplam Faiz:<\/strong> 7.036.000 TL<\/p>\n KUVEYT T\u00dcRK \u2013 Y\u00fczde 2,55<\/b><\/p>\n Ayl\u0131k Taksit: <\/strong>85.900 TL<\/p>\n Toplam Geri \u00d6deme: <\/strong>10.308.000 TL<\/p>\n Toplam Faiz:<\/strong> 7.108.000 TL<\/p>\n GARANT\u0130 BBVA \u2013 Y\u00fczde 2,69<\/b><\/p>\n Ayl\u0131k Taksit: <\/strong>94.500 TL<\/p>\n Toplam Geri \u00d6deme:<\/strong> 11.340.000 TL<\/p>\n Toplam Faiz: <\/strong>8.140.000 TL<\/p>\n QNB \u2013 Y\u00fczde 2,69<\/b><\/p>\n Ayl\u0131k Taksit:<\/strong> 94.500 TL<\/p>\n Toplam Geri \u00d6deme:<\/strong> 11.340.000 TL<\/p>\n Toplam Faiz: <\/strong>8.140.000 TL<\/p>\n HALKBANK \u2013 Y\u00fczde 2,69<\/b><\/p>\n Ayl\u0131k Taksit: <\/strong>94.500 TL<\/p>\n Toplam Geri \u00d6deme: <\/strong>11.340.000 TL<\/p>\n Toplam Faiz: <\/strong>8.140.000 TL<\/p>\n HALKBANK GENEL M\u00dcD\u00dcR\u00dc: FA\u0130ZLER Y\u00dcZDE 2’YE KADAR GER\u0130LEYEB\u0130L\u0130R <\/b><\/p>\n Halkbank Genel M\u00fcd\u00fcr\u00fc ve Y\u00f6netim Kurulu \u00dcyesi Osman Arslan, T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fcnde 10 y\u0131la kadar vadelerde ayl\u0131k faiz oranlar\u0131n\u0131n veya kar paylar\u0131n\u0131n y\u00fczde 2.5’in alt\u0131na \u00e7ekildi\u011fini kaydetti. Arslan, bunun y\u0131ll\u0131k bazda yakla\u015f\u0131k y\u00fczde 30’lara varan bir maliyete tekab\u00fcl etti\u011fine i\u015faret ederek, “Enflasyondaki d\u00fc\u015f\u00fc\u015f devam ettik\u00e7e bunun akabinde Merkez Bankas\u0131nda da faiz indirimleri g\u00fcndeme gelebilecek ve bankalar da Merkez Bankas\u0131n\u0131n bu faiz indirimini elbette ki konut kredilerine yans\u0131tacakt\u0131r.” de\u011ferlendirmesinde bulundu. <\/p>\n Konut kredilerine ili\u015fkin beklentilerini de payla\u015fan Arslan, “Konut kredisindeki maliyet oranlar\u0131 \u015fu anda ayl\u0131k bazda 2,5’in alt\u0131na indi. Bunun ikinci yar\u0131dan sonra y\u0131l sonuna do\u011fru y\u00fczde 2’lere varan bir oranlara gelece\u011fini tahmin ediyorum. Bu da elbette vatanda\u015f\u0131m\u0131za daha rahat \u00f6deyebilece\u011fi bir konut finansman\u0131 imkan\u0131 sa\u011flayacakt\u0131r.” dedi.<\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcrkiye’de konut sahibi olmak isteyenlerin yak\u0131ndan izledi\u011fi konut kredisi faizlerinde bankalar aras\u0131ndaki rekabet artt\u0131. Faiz oranlar\u0131 \u00e7ok say\u0131da bankada y\u00fczde 2,50-2,60 aral\u0131\u011f\u0131na geriledi. \u0130\u015fte 4 milyon TL konut kredisi \u00e7eken bir vatanda\u015f\u0131n geri \u00f6deyece\u011fi rakam ve ayl\u0131k taksitleri.<\/p>\n","protected":false},"author":1,"featured_media":87172,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[8855,5340,824,818,903],"class_list":["post-87171","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalar","tag-bankasi","tag-faiz","tag-konut","tag-kredi"],"_links":{"self":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/87171","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=87171"}],"version-history":[{"count":1,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/87171\/revisions"}],"predecessor-version":[{"id":87173,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/posts\/87171\/revisions\/87173"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media\/87172"}],"wp:attachment":[{"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/media?parent=87171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/categories?post=87171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bihavadis.com\/index.php\/wp-json\/wp\/v2\/tags?post=87171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}