Kredi faizlerinde ya\u015fanan indirimlerin ard\u0131ndan t\u00fcketiciler konut kredisine y\u00f6neldi. 2018 A\u011fustos\u2019tan bu yana y\u00fcksek faiz oranlar\u0131 nedeniyle d\u00fc\u015f\u00fck seyreden konut kredisi talepleri 3 kat artt\u0131. Kredili konut sat\u0131\u015flar\u0131 ise faiz indiriminin ard\u0131ndan tekrar ayl\u0131k 35 bin seviyelerine ula\u015ft\u0131.<\/p>\n
Merkez Bankas\u0131\u2019n\u0131n politika faizindeki indirim karar\u0131yla bankalar\u0131n kredi faizlerinde indirim karar\u0131 almas\u0131, konut almak i\u00e7in kredi indirimi bekleyenleri harekete ge\u00e7irdi. Hesapkurdu.com konut kredisi verilerine g\u00f6re, faiz indirimlerinin a\u00e7\u0131klanmas\u0131yla birlikte online kredi ba\u015fvurular\u0131 y\u00fczde 300 artarken, her g\u00fcn 200 bin ki\u015fi bankalar\u0131n kredi faiz oranlar\u0131n\u0131 internet \u00fczerinden kar\u015f\u0131la\u015ft\u0131r\u0131yor. Kullan\u0131c\u0131lar\u0131n konut kredisinde en \u00e7ok talep etti\u011fi tutar 125 bin TL, ortalama vade s\u00fcresiyse 8,5 y\u0131l.<\/p>\n
Konut kredisi ba\u015fvurusu yapanlar\u0131n y\u00fczde 71\u2019i evliyken, ba\u015fvurular\u0131n y\u00fczde 80\u2019i erkekler taraf\u0131ndan yap\u0131l\u0131yor. En \u00e7ok konut kredisi ba\u015fvurusu toplam ba\u015fvurular\u0131n y\u00fczde 22\u2019sinin yap\u0131ld\u0131\u011f\u0131 \u0130stanbul\u2019dan geliyor.<\/p>\n
Ge\u00e7ti\u011fimiz y\u0131l kredi faizlerindeki art\u0131\u015f, kredili konut sat\u0131\u015f\u0131n\u0131n ayl\u0131k 35 binden 10 bin adet seviyelerine gerilemesine neden olmu\u015ftu. 2019 y\u0131l\u0131n\u0131n ba\u015f\u0131nda ise kredili konut sat\u0131\u015flar\u0131 ayl\u0131k 7 bin adetin alt\u0131na kadar geriledi. Mart ve Nisan aylar\u0131nda yap\u0131lan konut kampanyalar\u0131na ek olarak Temmuz ve Eyl\u00fcl ay\u0131nda uygulanan faiz indirimleriyle kredili konut sat\u0131\u015f rakamlar\u0131 tekrar ayl\u0131k 35 bine y\u00fckseldi.<\/p>\n
Konut kredisinde piyasa ortalamas\u0131 y\u00fczde 1,41<\/p>\n
Konut kredilerinin faiz oranlar\u0131nda bankalar aras\u0131 b\u00fcy\u00fck farklar oldu\u011funu belirten Hesapkurdu.com Kredi \u00dcr\u00fcn M\u00fcd\u00fcr\u00fc Ersin Ya\u015far, \u201cZiraat Bankas\u0131, Halkbank ve Vak\u0131fbank gibi devlet bankalar\u0131 y\u00fczde 0,99 konut kredisi faiz oran\u0131yla en uygun konut kredisi teklifi veren bankalar konumunda. Ancak devlet bankalar\u0131 konut kredisi verirken \u00f6zel bankalara g\u00f6re daha se\u00e7ici davran\u0131yor. Kredi notundaki ufak d\u00fc\u015f\u00fc\u015fler dahi devlet bankalar\u0131ndan konut kredisi alman\u0131za engel olabiliyor. \u00d6zel bankalar ise bu konularda daha esnek olabiliyor ve rekabet\u00e7i kalabilmek i\u00e7in faiz oranlar\u0131n\u0131 da d\u00fc\u015f\u00fcr\u00fcyor. \u015eu an konut kredisinde piyasa ortalamas\u0131 y\u00fczde 1,41 seviyelerinde. Burada dikkat edilmesi gereken konu 10 y\u0131l vadeli 100.000 TL\u2019lik bir konut kredisi i\u00e7in y\u00fczde 0,99 ve y\u00fczde 1,41 faiz oran\u0131 sunan bankalar aras\u0131nda 35 bin TL maliyet fark\u0131 ortaya \u00e7\u0131k\u0131yor. Geli\u015ftirdi\u011fimiz \u00fccretsiz kredi fiyat alarm\u0131 sayesinde en uygun faiz oranlar\u0131ndan haberdar olabilirsiniz\u201d dedi.<\/p>\n
Kredi faiz oranlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken ek masraflara dikkat<\/p>\n
Konut kredilerindeki en \u00f6nemli detay\u0131n ek masraflar oldu\u011funu s\u00f6yleyen Ersin Ya\u015far, \u201cBankalar konut kredisine ek olarak sunulan hayat sigortas\u0131, ferdi kaza sigortas\u0131 gibi masraflar\u0131n yan\u0131 s\u0131ra BES, kredi kart\u0131 gibi \u00f6zel \u00fcr\u00fcnleri de kullan\u0131c\u0131ya sunma konusunda \u0131srarc\u0131 olabiliyor. \u00d6zellikle hayat sigortas\u0131 tutar\u0131 ki\u015fiye g\u00f6re de\u011fi\u015fti\u011fi i\u00e7in konut kredisi kar\u015f\u0131la\u015ft\u0131r\u0131rken \u00f6nemli bir masraf kalemi olabiliyor. Konut kredisi kullanacak ki\u015filerin t\u00fcm masraflar\u0131 hesaplay\u0131p toplam maliyet \u00fczerinden kar\u015f\u0131la\u015ft\u0131rma yapmas\u0131 gerekiyor\u201d ifadelerini kulland\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
FA\u0130Z \u0130ND\u0130R\u0130M\u0130 SONRASI KONUT KRED\u0130S\u0130 BA\u015eVURULARI Y\u00dcZDE 300 ARTTI<\/p>\n","protected":false},"author":1,"featured_media":209315,"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":[7147,2929,54,13196,8684,11670,9235,36,3480],"class_list":["post-209314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-7147","tag-artti","tag-basvurulari","tag-faiz","tag-indirimi","tag-konut","tag-kredisi","tag-sonrasi","tag-yuzde"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/09\/faiz-indirimi-sonrasi-konut-kredisi-basvurulari-yuzde-300-artti_d1e7b1e.jpg?fit=1000%2C662","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-Ss2","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/209314","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=209314"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/209314\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/209315"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=209314"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=209314"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=209314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}