\u0130ngiltere\u2019de y\u00fckselen mortgage (konut kredileri) maliyetleri ev sahiplerinin, yat\u0131r\u0131mc\u0131lar\u0131n ve politikac\u0131lar\u0131n korkular\u0131n\u0131 art\u0131r\u0131yor.<\/p>\n
\u0130ngiltere halk\u0131 bir yandan da g\u0131da, yak\u0131t ve temel hizmetlerdeki y\u00fcksek fiyatlar ile m\u00fccadele ederken artan mortgage oranlar\u0131n\u0131n \u0130ngiltere\u2019nin 1,7 trilyon poundluk (2,2 trilyon dolar) konut piyasas\u0131na zarar verip vermeyece\u011fi ise yak\u0131ndan takip ediliyor.<\/p>\n
\u0130NG\u0130LTERE\u2019DE MORTGAGE ORANLARI NEDEN Y\u00dcKSELD\u0130?<\/b><\/p>\n
\u0130ngiltere\u2019de de\u011fi\u015fken ve sabit faizli olmak \u00fczere iki t\u00fcr mortgage var. De\u011fi\u015fken oranl\u0131 olanlar \u0130ngiltere Merkez Bankas\u0131\u2019n\u0131n faiz oran\u0131na ba\u011fl\u0131 olarak de\u011fi\u015firken sabit faizli mortgage ise 2 ila 5 y\u0131ll\u0131k s\u00fcrelerle faiz oran\u0131n\u0131n anla\u015fma boyunca de\u011fi\u015fmeden uygulanaca\u011f\u0131n\u0131 garanti ediyor. Sabit oranl\u0131 faizlerde, BoE\u2019nin oranlar\u0131n\u0131n gelecekteki oranlar\u0131n\u0131n bu d\u00f6nem i\u00e7erisinde ne olaca\u011f\u0131 tahmin edilmeye \u00e7al\u0131\u015f\u0131l\u0131yor.<\/p>\n
\u0130ngiltere\u2019de enflasyonun beklenenden daha kat\u0131 oldu\u011funu g\u00f6steren veriler, piyasalar\u0131n BoE oranlar\u0131n\u0131n daha y\u00fcksek ve daha uzun s\u00fcre kalaca\u011f\u0131na dair beklentinin olu\u015fmas\u0131na neden oldu ve bu durum da swap piyasalar\u0131na yans\u0131d\u0131.<\/p>\n
Refinitiv Eikon verileri, iki y\u0131ll\u0131k ve be\u015f y\u0131ll\u0131k takaslar\u0131n per\u015fembe g\u00fcn\u00fc s\u0131ras\u0131yla y\u00fczde 5,99 ve y\u00fczde 5,26\u2019ya ula\u015ft\u0131\u011f\u0131n\u0131 g\u00f6sterirken; bankalar, mortgage kredilerini zarar\u0131na fiyatland\u0131rmaktan ka\u00e7\u0131nmak i\u00e7in bu piyasa hareketlerini yans\u0131tmalar\u0131 gerekti\u011fini s\u00f6yl\u00fcyor.<\/p>\n
K\u0130MLER R\u0130SK ALTINDA?<\/b><\/p>\n
Bankalar, yaln\u0131zca az say\u0131da m\u00fc\u015fterinin mali s\u0131k\u0131nt\u0131 ya\u015fad\u0131\u011f\u0131n\u0131 veya \u00f6demelerinde geride kald\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyor. Ancak y\u00fcksek enflasyondan en \u00e7ok etkilenen d\u00fc\u015f\u00fck gelirli hanelere \u00f6zellikle dikkat ediyorlar.<\/p>\n
M\u00fc\u015fterilerin \u015fu ana kadar diren\u00e7li olmas\u0131n\u0131n bir nedeni, \u00e7o\u011funun hala \u00e7al\u0131\u015f\u0131yor olmas\u0131 ve gelirleri daralm\u0131\u015f olsa bile kredilerini \u00f6deyebilmesiyken \u0130ngiltere\u2019de i\u015fsizli\u011fin artmas\u0131n\u0131n bu dengeyi de\u011fi\u015ftirebilece\u011fi s\u00f6yleniyor.<\/p>\n
UK Finance\u2019in verilerine g\u00f6re, \u00f6denmemi\u015f yakla\u015f\u0131k 9 milyon konut kredisinden 800 milyonunun 2023\u2019\u00fcn ikinci yar\u0131s\u0131nda, 1,6 milyonunda 2024\u2019te bitmesi gerekiyor.<\/p>\n
Bor\u00e7 kurulu\u015fu StepChange\u2019in per\u015fembe g\u00fcn\u00fc yay\u0131mlad\u0131\u011f\u0131 verilere g\u00f6re konut kredisi alanlar\u0131n y\u00fczde 45\u2019i kredi taahh\u00fctlerini yerine getirmekte zorlan\u0131rken, UK Finance\u2019in verilerine g\u00f6re ise \u00fclkede y\u00fcksek maliyetli ve teminats\u0131z kredi kullananlar\u0131n say\u0131s\u0131 2022\u2019ye oranla y\u00fczde 4,9 artt\u0131.<\/p>\n
\u00d6DEMES\u0130 GEC\u0130KENLER\u0130N SAYISI ARTTI<\/b><\/p>\n
UK Finance, bu y\u0131l\u0131n ilk \u00fc\u00e7 ay\u0131nda bir 750 ipotekli eve el konuldu\u011funu aktard\u0131. Bu oran bir \u00f6nceki \u00e7eyre\u011fe g\u00f6re y\u00fczde 50 artsa da \u00f6nceki krizlerde g\u00f6r\u00fclen seviyelerinin \u00e7ok alt\u0131nda.<\/p>\n
\u00d6demesi gecikmi\u015f ev sahiplerinin say\u0131s\u0131, \u00f6denmemi\u015f\u00a0 konut kredilerinin yakla\u015f\u0131k y\u00fczde 0,8\u2019ini olu\u015ftursa da say\u0131 her ge\u00e7en g\u00fcn art\u0131yor. 2023\u2019\u00fcn ilk \u00e7eyre\u011finde, \u00f6denmemi\u015f kredilerin y\u00fczde 2,5\u2019i veya daha fazlas\u0131 kadar \u00f6demesi geciken ev sahiplerinin say\u0131s\u0131 76 bin 630 oldu. Bu say\u0131 bir \u00f6nceki \u00e7eyrekten y\u00fczde 2 daha fazla.<\/p>\n
Di\u011fer bir yandan bankalar ise bu kez kitlesel hacizlerin olmas\u0131n\u0131n pek olas\u0131 olmad\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyorlar. B\u00fcy\u00fck bankalar ise deste\u011fe ihtiya\u00e7 duyabilece\u011fini belirledikleri m\u00fc\u015fterilere finansal sa\u011fl\u0131k kontrolleri, ge\u00e7ici \u00f6deme tatilleri, m\u00fc\u015fterileri k\u0131sa bir s\u00fcre i\u00e7in sadece faizli geri \u00f6deme planlar\u0131na y\u00f6nlendirme veya uzat\u0131lm\u0131\u015f kredi vadeleri gibi yard\u0131m sunuyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0130ngiltere’de y\u00fckselen mortgage maliyetleri \u0130ngiltere halk\u0131 i\u00e7in tehdit olu\u015fturmaya ba\u015flarken, \u00f6demelerini geciktirenlerin say\u0131s\u0131 art\u0131yor.<\/p>\n","protected":false},"author":1,"featured_media":104603,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[731,766,972,2395,1548],"class_list":["post-104602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-faiz","tag-ingiltere","tag-kredi","tag-mortgage","tag-oran"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/104602","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=104602"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/104602\/revisions"}],"predecessor-version":[{"id":104604,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/104602\/revisions\/104604"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/104603"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=104602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=104602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=104602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}