Merkez Bankas\u0131 taraf\u0131ndan 2019 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131ndan itibaren 1200 baz puan faiz indirimi yap\u0131ld\u0131. Hesapkurdu.com verilerine g\u00f6re faiz indirimlerinin etkisiyle birlikte 2019 y\u0131l\u0131 kredi ba\u015fvurular\u0131nda, ihtiya\u00e7 kredisinde y\u00fczde 32, konut kredisinde y\u00fczde 6, ta\u015f\u0131t kredisinde ise y\u00fczde 11 art\u0131\u015f ya\u015fand\u0131.<\/p>\n
Merkez Bankas\u0131\u2019n\u0131n 2019 y\u0131l\u0131n\u0131n ikinci yar\u0131s\u0131ndan itibaren ald\u0131\u011f\u0131 faiz indirimi kararlar\u0131yla finans sekt\u00f6r\u00fc i\u00e7in hareketli ge\u00e7ti. 25 Temmuz\u2019da Murat Uysal\u2019\u0131n ba\u015fkanl\u0131\u011f\u0131ndaki ilk Para Politikas\u0131 Kurulu (PPK) toplant\u0131s\u0131nda 425 baz puan indirimle faizler y\u00fczde 24\u2019ten y\u00fczde 19,75\u2019e indirildi. Son y\u0131llar\u0131n en b\u00fcy\u00fck faiz indirimi karar\u0131ndan hemen sonra 12 Eyl\u00fcl\u2019de, politika faizi 325 baz puan indirimle y\u00fczde 16,50\u2019ye, 24 Ekim\u2019de ise 250 baz puan indirimle y\u00fczde 14\u2019e d\u00fc\u015f\u00fcr\u00fcld\u00fc. Son olarak Merkez Bankas\u0131\u2019n\u0131n 12 Aral\u0131k\u2019ta a\u00e7\u0131klad\u0131\u011f\u0131 kararla birlikte politika faizi 200 baz puan daha d\u00fc\u015f\u00fcr\u00fclerek y\u00fczde 12 seviyesine \u00e7ekildi. Merkez Bankas\u0131 b\u00f6ylece 2019\u2019un ikinci yar\u0131s\u0131nda ald\u0131\u011f\u0131 kararlarla 6 ayda toplam 1200 baz puan faiz indirimi yapm\u0131\u015f oldu. Faiz indirimiyle ihtiya\u00e7, konut ve ta\u015f\u0131t kredilerine y\u00f6nelen t\u00fcketiciler piyasalar\u0131 olumlu etkiledi.<\/p>\n
Online ihtiya\u00e7 kredisi ba\u015fvurular\u0131 y\u00fczde 32 artt\u0131<\/p>\n
Online kar\u015f\u0131la\u015ft\u0131rma platformu Hesapkurdu.com\u2019un verilerine g\u00f6re, 2019 y\u0131l\u0131nda ihtiya\u00e7 kredisi ba\u015fvurular\u0131 bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 32 artt\u0131. \u0130htiya\u00e7 kredisine ba\u015fvuran t\u00fcketicilerin geri \u00f6deme vade s\u00fcrelerinde ise y\u00fczde 25 art\u0131\u015f g\u00f6r\u00fcld\u00fc. En \u00e7ok ba\u015fvuruda bulunulan kredi tutar\u0131 20 bin TL olurken en \u00e7ok tercih edilen vade 60 ay oldu.<\/p>\n
2018 y\u0131l\u0131na k\u0131yasla 2019 y\u0131l\u0131nda konut ve ta\u015f\u0131t kredisi ba\u015fvurular\u0131nda da art\u0131\u015f ya\u015fand\u0131. Konut kredisi ba\u015fvurular\u0131 y\u00fczde 6 artarken vade s\u00fcreleri ise y\u00fczde 3 uzad\u0131. Konut kredisinde en \u00e7ok talep edilen tutar 150 bin TL oldu. Ta\u015f\u0131t kredisinde ise ba\u015fvurularda y\u00fczde 11\u2019lik art\u0131\u015f ya\u015fand\u0131. Vade s\u00fcreleri y\u00fczde 17 artarken en \u00e7ok tercih edilen kredi tutar\u0131 40 bin TL oldu.<\/p>\n
“Faiz indirimleri otomotiv ve in\u015faat sekt\u00f6r\u00fcn\u00fcn y\u00fcz\u00fcn\u00fc g\u00fcld\u00fcrd\u00fc”<\/p>\n
Merkez Bankas\u0131\u2019n\u0131n 2019\u2019un ikinci yar\u0131s\u0131nda ald\u0131\u011f\u0131 faiz indirimi kararlar\u0131yla piyasalar\u0131n hareketlendi\u011fini, bunun yan\u0131 s\u0131ra t\u00fcketicilerin de ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in bir f\u0131rsat yakalad\u0131\u011f\u0131n\u0131 belirten Hesapkurdu.com Kredi \u00dcr\u00fcn M\u00fcd\u00fcr\u00fc Ersin Ya\u015far, “Temmuz ay\u0131ndaki faiz indirimi sonras\u0131nda t\u00fcketiciler konut kredisine y\u00f6neldi ve A\u011fustos 2018\u2019den beri d\u00fc\u015f\u00fck seyreden konut kredisi ba\u015fvurular\u0131 2019\u2019un son aylar\u0131nda y\u00fczde 300 artt\u0131. Bu art\u0131\u015fla birlikte Merkez Bankas\u0131\u2019n\u0131n faiz indirimlerinin t\u00fcketici nezdindeki somut etkisini g\u00f6rm\u00fc\u015f olduk. Di\u011fer faiz indirimleri ve kamu bankalar\u0131n\u0131n ba\u015flatt\u0131\u011f\u0131 indirim seferberli\u011finin etkisiyle konut kredisinde ayl\u0131k faizler y\u00fczde 3\u2019ten y\u00fczde 1\u2019in alt\u0131na, ta\u015f\u0131t kredilerinde ise ise faiz oran\u0131 0,49\u2019a geriledi.” ifadelerini kulland\u0131.<\/p>\n
Kredi ba\u015fvurular\u0131nda \u0130stanbul zirvede<\/p>\n
\u0130htiya\u00e7, ta\u015f\u0131t ve konut kredisi ba\u015fvurular\u0131n\u0131n \u015fehirlere g\u00f6re da\u011f\u0131l\u0131m\u0131 incelendi\u011finde \u0130stanbul\u2019un toplam ba\u015fvurular aras\u0131ndaki y\u00fczde 21,6\u2019l\u0131k oran\u0131yla birinci oldu\u011fu g\u00f6r\u00fcld\u00fc. \u0130stanbul\u2019u y\u00fczde 7,6 ile Ankara, y\u00fczde 6,1 ile \u0130zmir, y\u00fczde 4 ile Bursa ve y\u00fczde 3,5 ile Antalya takip etti.<\/p>\n","protected":false},"excerpt":{"rendered":"
MERKEZ BANKASI TARAFINDAN 2019 YILININ \u0130K\u0130NC\u0130 YARISINDAN \u0130T\u0130BAREN 1200 BAZ PUAN FA\u0130Z \u0130ND\u0130R\u0130M\u0130 YAPILDI. HESAPKURDU.COM VER\u0130LER\u0130NE G\u00d6RE FA\u0130Z \u0130ND\u0130R\u0130MLER\u0130N\u0130N ETK\u0130S\u0130YLE B\u0130RL\u0130KTE 2019 YILI KRED\u0130 BA\u015eVURULARINDA, \u0130HT\u0130YA\u00c7 KRED\u0130S\u0130NDE Y\u00dcZDE 32, KONUT KRED\u0130S\u0130NDE Y\u00dcZDE 6, TA\u015eIT KRED\u0130S\u0130NDE \u0130SE Y\u00dcZDE 11 ARTI\u015e YA\u015eANDI.<\/p>\n","protected":false},"author":1,"featured_media":247523,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_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}},"categories":[19],"tags":[20802,13196,2087,56071,77,5135,1729],"class_list":["post-247522","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-2019un","tag-faiz","tag-ikinci","tag-indirimlerine","tag-oldu","tag-sahne","tag-yarisi"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/12\/2019un-ikinci-yarisi-faiz-indirimlerine-sahne-oldu_01f834f.jpg?fit=1000%2C666","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-12oi","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/247522","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=247522"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/247522\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/247523"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=247522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=247522"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=247522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}