ABD\u2019de konut kredisi faizleri y\u00fczde 7\u2019yi a\u015farak Nisan 2022 sonras\u0131ndaki 21 y\u0131l\u0131n zirvesini g\u00f6rd\u00fc.<\/p>\n
The New York Times\u2019\u0131n (NYT) haberine g\u00f6re, ABD\u2019de en yayg\u0131n olarak kullan\u0131lan konut kredisi olan 30 y\u0131l vadeli sabit faizli ipotekli konut kredisi (mortgage) ortalama faizi ge\u00e7en hafta y\u00fczde 7,09\u2019a y\u00fckseldi. Bu oran, ge\u00e7en hafta y\u00fczde 6,96 idi.<\/p>\n
2021 y\u0131l\u0131nda y\u00fczde 2,5-3,00 aral\u0131\u011f\u0131nda olan konut kredisi faizleri, enflasyondaki ve ABD Merkez Bankas\u0131 (Fed) faizlerindeki y\u00fckseli\u015fe paralel olarak son iki y\u0131lda y\u00f6n\u00fcn\u00fc yukar\u0131 \u00e7evirdi.<\/p>\n
Fed de ge\u00e7en ay politika faizini y\u00fczde 5,50 ile 21 y\u0131l\u0131n zirvesine y\u00fckseltmi\u015fti. \u00dclkede y\u0131ll\u0131k t\u00fcketici enflasyonu temmuzda y\u00fczde 3,2 olmu\u015ftu. \u00c7ekirdek t\u00fcketici enflasyonu ise y\u00fczde 4,7 olarak hesaplanm\u0131\u015ft\u0131.<\/p>\n
NYT haberinde, y\u00fcksek fiyatlar, y\u00fcksek faizler ve d\u00fc\u015f\u00fck arz nedeniyle konut al\u0131m\u0131n\u0131n giderek zorla\u015ft\u0131\u011f\u0131na, konut kredisi faizlerinin de yak\u0131n vadede y\u00fcksek seviyelerde kalmaya devam etmesinin beklendi\u011fine i\u015faret edildi.<\/p>\n
Uzmanlar, konut kredisi faizlerinin y\u0131l sonundan itibaren kademeli olarak gerilemeye ba\u015flamas\u0131n\u0131 bekliyor.<\/p>\n
ABD\u2019de haziran ay\u0131nda ikinci el konut sat\u0131\u015flar\u0131 y\u0131ll\u0131k bazda yakla\u015f\u0131k y\u00fczde 19 oran\u0131nda gerilemi\u015fti. Bu d\u00f6nemde birinci el konut sat\u0131\u015flar\u0131 ise y\u00fczde 24 artm\u0131\u015ft\u0131.<\/p>\n
ABD\u2019de d\u00fc\u015f\u00fck talebe ra\u011fmen d\u00fc\u015f\u00fck arz\u0131n da etkisiyle konut fiyatlar\u0131nda ise y\u00fcksek seyir s\u00fcr\u00fcyor.<\/p>\n
ABD\u2019de ortalama konut fiyat\u0131 410 bin 200 dolarla ge\u00e7en seneki 413 bin 800 dolarl\u0131k zirveye yak\u0131n seyrediyor.<\/p>\n
ABD\u2019nin \u00f6nde gelen bankalar\u0131ndan Goldman Sachs, \u00fclkede konut fiyatlar\u0131nda 2023\u2019te y\u00fczde 1,8, 2024\u2019te ise y\u00fczde 3,5\u2019lik art\u0131\u015f bekliyor.<\/p>\n
ABD\u2019de konut ba\u015flang\u0131\u00e7lar\u0131, temmuzda ayl\u0131k y\u00fczde 3,9, y\u0131ll\u0131k ise y\u00fczde 5,9 art\u0131\u015fla 1 milyon 452 bine y\u00fckselerek piyasa beklentilerinin \u00fczerinde ger\u00e7ekle\u015fti.<\/p>\n
T\u00dcRK\u0130YE\u2019DE FA\u0130ZLER 20 YILIN Z\u0130RVES\u0130NDE<\/b><\/p>\n
T\u00fcrkiye\u2019de de konut kredisi faizleri ortalama y\u00fczde 36,45 ile Eyl\u00fcl 2003 sonras\u0131ndaki 20 y\u0131l\u0131n zirvesinde bulunuyor.<\/p>\n
T\u00fcrkiye\u2019de en fazla 10 y\u0131ll\u0131k konut kredisi kulland\u0131r\u0131l\u0131yor ancak son d\u00f6nemde bankalar konut kredilerinde muslu\u011fu neredeyse tamamen kapatm\u0131\u015f durumda.<\/p>\n
Y\u00fcksek faizle de olsa konut kredisi \u00e7ekmek isteyen vatanda\u015flar, konut fiyat\u0131n\u0131n \u00e7ok k\u00fc\u00e7\u00fck bir b\u00f6l\u00fcm\u00fc i\u00e7in kredi bulabiliyor.<\/p>\n
Nitekim, T\u00fcrkiye genelinde konut sat\u0131\u015flar\u0131 Ocak-Haziran d\u00f6neminde bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 22,1 azal\u0131\u015fla 565 bin 779 olarak ger\u00e7ekle\u015fti.<\/p>\n
BARINMA KR\u0130Z\u0130<\/b><\/p>\n
T\u00fcrkiye, kur ve enflasyon krizleriyle birlikte son y\u0131llarda derinle\u015fen bir bar\u0131nma kriziyle kar\u015f\u0131 kar\u015f\u0131ya.<\/p>\n
Konutun yerli ve yabanc\u0131 sermaye i\u00e7in bir yat\u0131r\u0131m arac\u0131 haline getirilmesiyle birlikte, milyonlarca vatanda\u015f konut kriziyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131, ev sahipleri ile kirac\u0131lar adeta birbirine girdi.<\/p>\n
Yabanc\u0131 zenginler konut sat\u0131n alarak vatanda\u015fl\u0131k al\u0131rken, T\u00fcrk vatanda\u015flar\u0131 konuta eri\u015femez oldu.<\/p>\n
Gayrimenkul Hukuku Derne\u011fi (GHD) Ba\u015fkan\u0131 Avukat Ali G\u00fcven\u00e7 Kiraz, kira tahliye davalar\u0131n\u0131n, 2022 y\u0131l\u0131n\u0131n tamam\u0131nda 22 bin olurken, bu y\u0131l\u0131n ilk 6 ay\u0131nda 47 bine ula\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n
2023 y\u0131l\u0131 Haziran ay\u0131 itibar\u0131yla T\u00fcrkiye genelinde ortalama konut fiyat art\u0131\u015f h\u0131z\u0131 y\u00fczde 95,9 oldu. Konut fiyatlar\u0131nda son \u00fc\u00e7 y\u0131ldaki birikimli art\u0131\u015f oran\u0131 ise y\u00fczde 560’a ula\u015ft\u0131.<\/p>\n
TCMB rakamlar\u0131na g\u00f6re, 100 metrekare bir konutun ortalama fiyat\u0131, T\u00fcrkiye genelinde 2 milyon 460 bin TL’ye, \u0130stanbul’da 3 milyon 722 bin TL’ye y\u00fckseldi.<\/p>\n","protected":false},"excerpt":{"rendered":"
ABD ve T\u00fcrkiye’de konut kredisi faizleri 20 y\u0131l\u0131n zirvesine ula\u015ft\u0131. \u0130\u015fte iki \u00fclkede konut piyasas\u0131ndaki son durum…<\/p>\n","protected":false},"author":1,"featured_media":115410,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[3365,1120,9854,972,15],"class_list":["post-115409","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-abdde","tag-konut","tag-konut-fiyat","tag-kredi","tag-turkiye"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/115409","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=115409"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/115409\/revisions"}],"predecessor-version":[{"id":115411,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/115409\/revisions\/115411"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/115410"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=115409"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=115409"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=115409"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}