{"id":120597,"date":"2023-08-29T12:53:10","date_gmt":"2023-08-29T12:53:10","guid":{"rendered":"https:\/\/haberulus.net\/?p=120597"},"modified":"2023-08-29T12:53:10","modified_gmt":"2023-08-29T12:53:10","slug":"konut-kredilerine-faiz-freni","status":"publish","type":"post","link":"https:\/\/haberulus.net\/?p=120597","title":{"rendered":"Konut kredilerine faiz freni"},"content":{"rendered":"

Gayrimenkul Yat\u0131r\u0131mc\u0131lar\u0131 Derne\u011fi\u2019nin (GYODER) 2023\u2019\u00fcn ikinci \u00e7eyre\u011fine ili\u015fkin yay\u0131mlad\u0131\u011f\u0131 T\u00fcrkiye Gayrimenkul Sekt\u00f6r\u00fc raporu, konut kredilerinin bireysel krediler i\u00e7inde pay\u0131n\u0131n sert d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc ortaya koydu.<\/p>\n

Buna g\u00f6re, 2023 Haziran itibar\u0131yla konut kredilerinde ayl\u0131k faiz oran\u0131 y\u00fczde 1,84\u2019e, y\u0131ll\u0131k bile\u015fik faiz ise y\u00fczde 24,45\u2019e \u00e7\u0131karak Ocak 2019’dan itibaren en y\u00fcksek de\u011fere ula\u015ft\u0131.<\/p>\n

Faizlerdeki bu art\u0131\u015f sonras\u0131\u00a0konut kredilerinin bireysel krediler i\u00e7indeki pay\u0131 ise, 2023 Haziran\u2019da bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 30,4 azald\u0131 ve y\u00fczde 20,1\u2019e geriledi.<\/p>\n

2022 Haziran\u2019da y\u00fczde 38 olan konut kredilerinin toplam t\u00fcketici kredilerindeki pay\u0131 ise, Haziran 2023 itibar\u0131yla 6,4 puan azalarak y\u00fczde 31,6\u2019ya d\u00fc\u015ft\u00fc.<\/p>\n

T\u00dc\u0130K verilerine g\u00f6re, 2023 Haziran\u2019da bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re kredili konut sat\u0131\u015f\u0131 y\u00fczde 66,85\u2019lik rekor d\u00fc\u015f\u00fc\u015fle 13 bin 463 adede gerilemi\u015fti.<\/p>\n

\"\"<\/p>\n

Kaynak: GYODER (Merkez Bankas\u0131 verilerinden al\u0131nan oranlar)<\/p>\n<\/div>\n

YILLIK FA\u0130Z ORANI Y\u00dcZDE 20,08 \u0130KEN Y\u00dcZDE 34\u2019\u00dc A\u015eTI<\/b><\/p>\n

Raporda konut kredi faizlerinin sene ba\u015f\u0131ndan bu yana nas\u0131l seyretti\u011fi ve ayn\u0131 d\u00f6nem aral\u0131\u011f\u0131nda konut kredi hacmindeki d\u00fc\u015f\u00fc\u015f de yer ald\u0131.<\/p>\n

2023 ba\u015f\u0131nda y\u00fczde 1,54 seviyelerinde ger\u00e7ekle\u015fen ayl\u0131k faiz, y\u0131l\u0131n ilk \u00e7eyre\u011fi sonunda y\u00fczde 1,33 seviyelerinde seyrederken ikinci \u00e7eyrek sonunda ise y\u00fczde 1,81 seviyesine y\u00fckseldi.<\/p>\n

Ayn\u0131 \u015fekilde 2023 ba\u015f\u0131nda y\u00fczde 20,08 seviyelerinde ba\u015flayan y\u0131ll\u0131k faiz oran\u0131 ise, 2023 Haziran ay\u0131n\u0131 y\u00fczde 23,98 ile tamamlad\u0131. Temmuz ay\u0131 itibar\u0131yla ise y\u0131ll\u0131k faiz y\u00fczde 34,09\u2019a y\u00fckseldi.<\/p>\n

2023 Haziran sonunda konut kredisi hacminin 438,5 milyar TL seviyesinde ger\u00e7ekle\u015fti\u011finin belirtildi\u011fi raporda, kamu mevduat bankalar\u0131n\u0131n toplam konut kredisi hacmi i\u00e7indeki pay\u0131n\u0131n 2022 Haziran\u2019da y\u00fczde 65,66 seviyesinden, 2023 Haziran\u2019da y\u00fczde 62,86\u2019ya geriledi\u011fi belirtildi.<\/p>\n

\"\"<\/p>\n

BDDK verilerinden derlenen oranlar<\/p>\n<\/div>\n

AYLIK TAKS\u0130TLER HARCANAB\u0130L\u0130R GEL\u0130R\u0130N Y\u00dcZDE 57\u2019S\u0130<\/b><\/p>\n

\u00c7e\u015fitli kurumlar\u0131n verilerinin derlendi\u011fi raporda, ayl\u0131k kredi taksitlerinin hanelerin harcanabilir gelirine oran\u0131 dikkat \u00e7ekti.<\/p>\n

Buna g\u00f6re, \u00fclke genelinde 2023\u2019\u00fcn ilk \u00e7eyre\u011finde konut ba\u015f\u0131 ortalama kulland\u0131r\u0131lan kredi tutar\u0131 ise 770 bin TL oldu.<\/p>\n

\u0130stanbul’da ise konut fiyatlar\u0131n\u0131n ortalama hane halk\u0131 harcanabilir gelirinin 5,18 kat\u0131 oldu\u011funun belirtildi\u011fi raporda, \u201c2023 2. \u00e7eyrek d\u00f6neminde \u0130stanbul’da 100 metrekarelik bir konut i\u00e7in kullan\u0131lacak konut kredisinin ayl\u0131k taksitleri, hane halk\u0131 harcanabilir gelirinin y\u00fczde 57\u2019si oran\u0131nda\u201d ifadeleri yer ald\u0131.<\/p>\n

\"\"<\/p>\n

Endeksa verilerinden derlenen rakamlar<\/p>\n<\/div>\n

SATI\u015eLAR \u0130K\u0130NC\u0130 \u00c7EYREKTE Y\u00dcZDE 30,5 GER\u0130LED\u0130<\/b><\/p>\n

Raporda ayr\u0131ca, t\u00fcm bu geli\u015fmelerin sat\u0131\u015flar \u00fczerindeki etkilerine de yer verildi.<\/p>\n

2023 ikinci \u00e7eyrekte konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 \u00e7eyre\u011fine g\u00f6re y\u00fczde 30,5 oran\u0131nda gerileyerek 282 bin 564 adede d\u00fc\u015ft\u00fc.<\/p>\n

Bu y\u0131l\u0131n ilk \u00e7eyre\u011finde birinci el konut sat\u0131\u015flardaki d\u00fc\u015f\u00fc\u015f, 2013\u2019ten bu yana en d\u00fc\u015f\u00fck ikinci \u00e7eyrek verisi olarak \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n

Yabanc\u0131lara yap\u0131lan konut sat\u0131\u015flar\u0131 da 2023 y\u0131l\u0131 2. \u00e7eyre\u011fi sonu itibar\u0131yla ilk 6 ayl\u0131k periyotta ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 46 k\u00fc\u00e7\u00fclme ile 19 bin 275 adede geriledi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Faizlerdeki sert y\u00fckseli\u015f sonras\u0131 konut kredilerinin bireysel krediler i\u00e7indeki pay\u0131 haziranda y\u0131ll\u0131k bazda y\u00fczde 30,4 geriledi. 2023 ikinci \u00e7eyrek itibar\u0131yla \u0130stanbul’da kredili konut sat\u0131n alan hanelerin, harcanabilir gelirlerinin y\u00fczde 57’sini konut kredilerin ayl\u0131k taksitleri olu\u015fturuyor.<\/p>\n","protected":false},"author":1,"featured_media":120598,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[319,13851,731,1120,13850],"class_list":["post-120597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-319","tag-2023-haziran","tag-faiz","tag-konut","tag-konut-kredi"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/120597","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=120597"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/120597\/revisions"}],"predecessor-version":[{"id":120599,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/120597\/revisions\/120599"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/120598"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=120597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=120597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=120597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}