Konut sahibi olmak isteyenler i\u00e7in 3 kamu bankas\u0131n\u0131n sundu\u011fu Enflasyona Endeksli Konut Kredisi \u00fcr\u00fcn\u00fc emlak sekt\u00f6r\u00fcnde olumlu kar\u015f\u0131land\u0131. Uzmanlar, bu \u00fcr\u00fcn ile ev almak isteyenlerin sabit faiz oran\u0131 ve refinansmanda ya\u015fayacaklar\u0131 zorluklar\u0131 d\u00fc\u015f\u00fcnmeden konut sahibi olabileceklerini s\u00f6yledi.<\/p>\n
Ziraat Bankas\u0131 ve Vak\u0131fBank d\u00fcn enflasyona endeksli konut kredisi uygulamas\u0131 ba\u015flatt\u0131\u011f\u0131n\u0131 duyurmu\u015ftu. Son olarak Halkbank da ayn\u0131 \u00fcr\u00fcn\u00fcn\u00fc bug\u00fcn itibar\u0131yla kullan\u0131ma sundu\u011funu a\u00e7\u0131klad\u0131.<\/p>\n
Emlak uzman\u0131 Mustafa Hakan \u00d6zelmac\u0131kl\u0131, konut sahibi olmak isteyen m\u00fc\u015fterilere sunulan Enflasyona Endeksli Konut Kredisi\u2019ne ili\u015fkin de\u011ferlendirmede bulundu. Konut kredisi faiz oranlar\u0131n\u0131n, konut sat\u0131\u015flar\u0131n\u0131 etkileyen en \u00f6nemli fakt\u00f6rlerden biri oldu\u011funu belirten \u00d6zelmac\u0131kl\u0131, \u201cT\u00fcrkiye genelinde ipotekli konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 85,5 oran\u0131nda azal\u0131rken toplam konut konut sat\u0131\u015flar\u0131 i\u00e7inde ipotekli sat\u0131\u015flar\u0131n pay\u0131 ise 2017 y\u0131l\u0131 Mart ay\u0131nda y\u00fczde 38.4 iken \u015fu anda y\u00fczde 6,4\u2019e kadar geriledi\u201d dedi.<\/p>\n
\u201cKonut kredisi faiz oranlar\u0131, konut sat\u0131\u015flar\u0131n\u0131 etkileyen en \u00f6nemli fakt\u00f6rlerden biridir\u201d<\/p>\n
\u00d6zelmac\u0131kl\u0131, \u201cD\u00fcn a\u00e7\u0131klanan T\u00dc\u0130K konut sat\u0131\u015f istatistikleri g\u00f6steriyor ki T\u00fcrkiye genelinde ipotekli konut sat\u0131\u015flar\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 85,8 oran\u0131nda azald\u0131. Toplam konut sat\u0131\u015flar\u0131 i\u00e7inde ipotekli sat\u0131\u015flar\u0131n pay\u0131 ise 2017 y\u0131l\u0131 Mart ay\u0131nda y\u00fczde 38.4 iken \u015fu anda y\u00fczde 6,4\u2019e kadar geriledi. Sonu\u00e7lar g\u00f6steriyor ki, konut kredisi faiz oranlar\u0131, konut sat\u0131\u015flar\u0131n\u0131 etkileyen en \u00f6nemli fakt\u00f6rlerden biridir. Team\u00fcllere g\u00f6re konut kredilerinde ayl\u0131k y\u00fczde 1 faiz oran\u0131 bir diren\u00e7 noktas\u0131 olarak g\u00f6r\u00fcl\u00fcyor. E\u011fer krediler bu oran\u0131n \u00fcst\u00fcne \u00e7\u0131karsa, kredili sat\u0131\u015flar\u0131n oran\u0131nda ciddi d\u00fc\u015f\u00fc\u015fler ya\u015fan\u0131yor. Oranlar\u0131n artmas\u0131 durumunda in\u015faat firmalar\u0131 uzun vadeli senetli sat\u0131\u015flara ge\u00e7meye \u00e7al\u0131\u015f\u0131yorlar. Bu noktada sistemde balon, artan \u00f6demeli finansman modelleri gibi alternatif sistemlerin geli\u015ftirilmesi gerekiyordu. \u0130\u015fte tam bu noktada, kredi faiz oranlar\u0131n\u0131n d\u00fc\u015fmesi durumunda kredi tutar\u0131n\u0131n de\u011fi\u015fece\u011fi ve de\u011fi\u015fken faizli kredi alternatifi t\u00fcketiciler i\u00e7in cazip f\u0131rsatlar sunacak\u201d \u015feklinde konu\u015ftu.<\/p>\n
\u201cSabit faiz oran\u0131 ve refinansmanda ya\u015fanacak zorluklar\u0131 d\u00fc\u015f\u00fcnmeden konut sahibi olabilecekler\u201d<\/p>\n
\u00d6zellikle gelirleri T\u00dcFE\u2019ye ba\u011fl\u0131 olarak de\u011fi\u015fen milyonlarca t\u00fcketicinin, sabit faiz oran\u0131 ve refinansmanda ya\u015fayacaklar\u0131 zorluklar\u0131 d\u00fc\u015f\u00fcnmeden konut sahibi olabileceklerinin alt\u0131n\u0131 \u00e7izen \u00d6zelmac\u0131kl\u0131, \u201cEnflasyona ba\u011fl\u0131 olarak faizlerin d\u00fc\u015fmesi ile de \u015fu anda ger\u00e7ekten \u00e7ok uygun fiyatlarla piyasaya arz edilen ta\u015f\u0131nmazlar\u0131n sat\u0131\u015f\u0131na bu yeni model bir f\u0131rsat sunmu\u015f olacak. G\u00fcncellemelerinde ayl\u0131k de\u011fil 6 ve 12 ayl\u0131k periyotlarda olmas\u0131 daha da g\u00fcven verecek. De\u011fi\u015fken faizin \u00f6zelli\u011fi olarak da erken \u00f6deme cezas\u0131 uygulanmam\u0131\u015f olacak\u201d ifadelerini kulland\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
EMLAK UZMANI MUSTAFA HAKAN \u00d6ZELMACIKLI, KONUT SAH\u0130B\u0130 OLMAK \u0130STEYEN M\u00dc\u015eTER\u0130LERE SUNULAN ENFLASYONA ENDEKSL\u0130 KONUT KRED\u0130S\u0130’NE \u0130L\u0130\u015eK\u0130N DE\u011eERLEND\u0130RMEDE BULUNDU. KONUT KRED\u0130S\u0130 FA\u0130Z ORANLARININ, KONUT SATI\u015eLARINI ETK\u0130LEYEN EN \u00d6NEML\u0130 FAKT\u00d6RLERDEN B\u0130R\u0130 OLDU\u011eUNU BEL\u0130RTEN \u00d6ZELMACIKLI, \u201cT\u00dcRK\u0130YE GENEL\u0130NDE \u0130POTEKL\u0130 KONUT SATI\u015eLARI B\u0130R \u00d6NCEK\u0130 YILIN AYNI AYINA G\u00d6RE Y\u00dcZDE 85,5 ORANINDA AZALIRKEN TOPLAM KONUT KONUT SATI\u015eLARI \u0130\u00c7\u0130NDE \u0130POTEKL\u0130 SATI\u015eLARIN PAYI \u0130SE 2017 YILI MART AYINDA Y\u00dcZDE 38.4 \u0130KEN \u015eU ANDA Y\u00dcZDE 6,4\u2019E KADAR GER\u0130LED\u0130\u201d DED\u0130.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[19],"tags":[41264,13196,41262,31935,41263],"class_list":["post-171038","post","type-post","status-publish","format-standard","hentry","category-ekonomi","tag-dusunulmeyecek","tag-faiz","tag-refinansman","tag-sabit","tag-zorluklari"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-IuG","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/171038","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=171038"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/171038\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=171038"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=171038"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=171038"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}