![\"\"](\"https:\/\/i01.sozcucdn.com\/wp-content\/uploads\/2023\/05\/18\/tabl6.jpg\" "\\"\\"")
<\/p>\nBankadan \u00e7ekti\u011fi konut kredisinin faizi ile zaten iki ev paras\u0131 daha \u00f6deyen vatanda\u015f, se\u00e7im d\u00f6nemine girilen son g\u00fcnlerde daha da y\u00fcksek faizlerle kar\u015f\u0131la\u015fmaya ba\u015flad\u0131.<\/p>\n
Kamu bankalar\u0131n\u0131n konut kredi faizleri hen\u00fcz de\u011fi\u015fmezken, baz\u0131 \u00f6zel bankalar\u0131n verdi\u011fi konut kredilerinin faizleri 0,38 puan artarken baz\u0131lar\u0131nda ise 1,2 puan kadar artt\u0131.<\/p>\n
\u0130ki ay \u00f6nce \u0130stanbul\u2019da ortalama fiyatl\u0131 bir daire i\u00e7in \u00e7ekilen konut kredisinin ayl\u0131k \u00f6deme tutar\u0131 kamu bankalar\u0131nda 28 bin TL\u2019den ba\u015flarken \u00f6zel bankalarda bu tutar 63 bin TL\u2019ye \u00e7\u0131k\u0131yordu.<\/p>\n
O d\u00f6nem y\u00fczde 1,29-2,99 aral\u0131\u011f\u0131nda de\u011fi\u015fen konut kredi faizleri, bu hafta itibar\u0131yla 3,5\u2019e kadar \u00e7\u0131kt\u0131.<\/p>\n
Konut kredilerinin ayl\u0131k \u00f6demesi de 33 bin TL\u2019den ba\u015flay\u0131p 72 bin TL\u2019ye kadar y\u00fckseldi.<\/p>\n
10 YIL VADEL\u0130 2 M\u0130LYON TL\u2019L\u0130K KRED\u0130N\u0130N MAL\u0130YET\u0130<\/b><\/p>\n
<\/p>\n
100 METREKARE B\u0130R EV 3,3 M\u0130LYON TL<\/b><\/p>\n
Merkez Bankas\u0131\u2019n\u0131n (TCMB) g\u00fcncel verilerine g\u00f6re, \u00fclke genelinde bir konutun metrekare fiyat\u0131 mart ay\u0131 itibar\u0131yla 21 bin 777 TL\u2019ye ula\u015ft\u0131 ve 100 metrekare bir evin ortalama fiyat\u0131 2 milyon 177 bin TL\u2019ye y\u00fckseldi.<\/p>\n
\u0130stanbul\u2019da ise mart ay\u0131 itibar\u0131yla metrekare fiyatlar 33 bin 731 TL\u2019ye \u00e7\u0131karken, bu ildeki 100 metrekare b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki ortalama bir konutun fiyat\u0131 3,3 milyon TL\u2019ye ula\u015ft\u0131. Bu tutar 120 metrekare bir ev i\u00e7in ise 4 milyon TL\u2019ye \u00e7\u0131k\u0131yor.<\/p>\n
BANKA KRED\u0130 VERSE B\u0130LE 1,3 M\u0130LYON TL B\u0130R\u0130K\u0130M LAZIM<\/b><\/p>\n
Peki ortalama fiyatlar\u0131n bile 3 milyon TL\u2019yi a\u015ft\u0131\u011f\u0131 bu ortamda bankalardan ne kadar kredi \u00e7ekilebiliyor?<\/p>\n
Son uygulamalara g\u00f6re, ekpertiz de\u011feri 1 milyon TL’nin alt\u0131ndaki evlerin y\u00fczde 90’\u0131 kadar kredi verilirken; ekspertiz de\u011feri 1-2 milyon TL aral\u0131\u011f\u0131ndaki evlerin y\u00fczde 60-70’i ve 2-5 milyon TL aral\u0131\u011f\u0131nda evlerin ise y\u00fczde 50-60’si kadar kredi veriliyor.<\/p>\n
Vatanda\u015f\u0131n kar\u015f\u0131la\u015ft\u0131\u011f\u0131 ilk engellerden biri, bankalar\u0131n uygulad\u0131\u011f\u0131 kredi k\u0131s\u0131tlamas\u0131. Buna \u00f6zel bankalar\u0131n da kat\u0131ld\u0131\u011f\u0131 belirtiliyor.<\/p>\n
Ancak bankalar kredi k\u0131s\u0131tlamas\u0131na gitmeyip \u0130stanbul\u2019daki ortalama fiyatl\u0131 bir konuta (3,3 milyon TL) y\u00fczde 60\u2019\u0131 kadar kredi verse bile, en fazla 2 milyon 23 bin 860 TL’sini vermi\u015f oluyor.<\/p>\n
Bu da vatanda\u015f\u0131n \u0130stanbul\u2019da ortalama b\u00fcy\u00fckl\u00fckteki bir daireyi sat\u0131n almak i\u00e7in bile 1,3 milyon TL birikime sahip olmas\u0131 demek. Bu tutar iki ay \u00f6nce 1,1 milyon TL, ge\u00e7en sene ayn\u0131 d\u00f6nemde ise 350 bin TL civar\u0131ndayd\u0131.<\/p>\n
10 YILDA 8,7 M\u0130LYON \u00d6DEN\u0130YOR, 6,7 M\u0130LYONU FA\u0130Z<\/b><\/p>\n
Gerekli birikimi olan bir vatanda\u015f\u0131n ihtiya\u00e7 duydu\u011fu kredinin tamam\u0131n\u0131 bankadan \u00e7ekebildi\u011fini d\u00fc\u015f\u00fcnelim\u2026<\/p>\n
Geriye kalan 2 milyon TL\u2019lik konut kredisi i\u00e7in yap\u0131lmas\u0131 gereken ayl\u0131k \u00f6deme tutar\u0131 ise en az 33 bin TL\u2019den ba\u015flay\u0131p 72 bin TL\u2019ye kadar \u00e7\u0131k\u0131yor. Bu da, kredi e\u011fer kamu bankas\u0131ndan kullan\u0131l\u0131rsa, bankaya 10 y\u0131lda toplam 4 milyon TL\u2019yi a\u015fk\u0131n \u00f6deme yap\u0131lmas\u0131 demek.<\/p>\n
Kredi e\u011fer \u00f6zel bir bankadan kullan\u0131ld\u0131ysa da toplam \u00f6deme miktar\u0131 10 y\u0131lda 8,7 milyon liray\u0131 a\u015f\u0131yor; 8,7 milyon TL\u2019lik toplam \u00f6demenin 6,7 milyon TL\u2019si ise faiz \u00f6demesi olarak ger\u00e7ekle\u015fiyor. Yani bir evi kendisine alan vatanda\u015f\u0131n neredeyse iki ev paras\u0131n\u0131 da bankaya faiz olarak \u00f6d\u00fcyor.<\/p>\n
\u00d6ZEL BANKALAR DA KISITLADI, KRED\u0130L\u0130 SATI\u015eLAR SERT D\u00dc\u015eT\u00dc<\/b><\/p>\n
Edindi\u011fimiz bilgilere g\u00f6re, se\u00e7im sonras\u0131 fiyatlar\u0131n daha da artmas\u0131n\u0131 bekleyen vatanda\u015f konut talebini art\u0131rd\u0131 ancak kamu bankalar\u0131n\u0131n kredi k\u0131s\u0131tlamas\u0131na \u00f6zel bankalar da kat\u0131ld\u0131\u011f\u0131 i\u00e7in ihtiya\u00e7 duydu\u011fu tutarda kredi alam\u0131yor.<\/p>\n
Kamu bankalar\u0131 se\u00e7im \u00f6ncesi d\u00f6nemde de bu kredileri 250 bin TL ile s\u0131n\u0131rlam\u0131\u015ft\u0131.<\/p>\n
T\u00fcrkiye \u0130statistik Kurumu\u2019nun d\u00fcn a\u00e7\u0131klad\u0131\u011f\u0131 veriler de konut sat\u0131\u015flar\u0131 ile kredili konut sat\u0131\u015flar\u0131ndaki d\u00fc\u015f\u00fc\u015f\u00fc ortaya koydu.<\/p>\n
Buna g\u00f6re, \u00fclke genelinde konut sat\u0131\u015flar\u0131 nisanda y\u0131ll\u0131k bazda y\u00fczde 35,6 azal\u0131rken, ayn\u0131 d\u00f6nemde kredili konut sat\u0131\u015flar\u0131 32 d\u00fc\u015ft\u00fc. Kredili sat\u0131\u015flardaki d\u00fc\u015f\u00fc\u015f\u00fcn may\u0131s ay\u0131nda derinle\u015fmesi bekleniyor.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0130ki ay \u00f6nce y\u00fczde 1,29-2,99 aral\u0131\u011f\u0131nda de\u011fi\u015fen konut kredi faizleri se\u00e7imlerin yap\u0131ld\u0131\u011f\u0131 son d\u00f6nemde 3,5’e kadar \u00e7\u0131kt\u0131. Artan konut fiyatlar\u0131 ile y\u00fckselen faiz oranlar\u0131, konut kredilerinin ayl\u0131k \u00f6demesini de 72 bin TL’ye kadar y\u00fckseltti. \u0130\u015fte konut kredi faizleri ile taksit tutarlar\u0131nda son durum…<\/p>\n","protected":false},"author":1,"featured_media":92167,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[1908,731,1120,972,1726],"class_list":["post-92166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bin-tl","tag-faiz","tag-konut","tag-kredi","tag-odeme"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/92166","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=92166"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/92166\/revisions"}],"predecessor-version":[{"id":92168,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/92166\/revisions\/92168"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/92167"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=92166"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=92166"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=92166"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}