{"id":234913,"date":"2016-07-12T09:05:53","date_gmt":"2016-07-12T06:05:53","guid":{"rendered":"http:\/\/www.nationalturk.com\/?p=234913"},"modified":"2020-06-09T15:28:22","modified_gmt":"2020-06-09T12:28:22","slug":"konut-kredisi-kullanan-kisi-sayisinda-buyuk-artis","status":"publish","type":"post","link":"https:\/\/www.nationalturk.com\/tr\/konut-kredisi-kullanan-kisi-sayisinda-buyuk-artis\/","title":{"rendered":"Konut kredisi kullanan ki\u015fi say\u0131s\u0131nda b\u00fcy\u00fck art\u0131\u015f"},"content":{"rendered":"

TBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ayd\u0131n, konut kredilerinin di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re h\u0131zl\u0131 artt\u0131\u011f\u0131n\u0131, 2015 sonu itibar\u0131yla konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131 belirtti.<\/h1>\n

T\u00fcrkiye Bankalar Birli\u011fi (TBB) Y\u00f6netim Kurulu Ba\u015fkan\u0131 H\u00fcseyin Ayd\u0131n, konut kredilerinin di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re daha h\u0131zl\u0131 artt\u0131\u011f\u0131n\u0131, 2015 sonu itibar\u0131yla stok olarak konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n

TBB Risk Merkezi \u00fcyesi bankalar ve finansman \u015firketleri taraf\u0131ndan bildirilen konut kredisi bilgileri kullan\u0131larak haz\u0131rlanan bilgi notuna g\u00f6re, kredi miktar\u0131 ve kullanan ki\u015fi say\u0131s\u0131 istikrarl\u0131 bir b\u00fcy\u00fcme g\u00f6sterdi.<\/p>\n

Bilgi notunda g\u00f6r\u00fc\u015flerine yer verilen TBB Ba\u015fkan\u0131 Ayd\u0131n, 2015 sonu itibar\u0131yla stok olarak konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131, tercih edilen kredi dilimlerinin 75 bin TL ile 150 bin TL civar\u0131nda oldu\u011funu, vadelerin 6 y\u0131ldan 8 y\u0131la y\u00fckseldi\u011fini vurgulad\u0131.<\/p>\n

Ayd\u0131n, konut kredisinin en fazla kullan\u0131ld\u0131\u011f\u0131 ya\u015f grubunun ise 31-41 aral\u0131\u011f\u0131nda oldu\u011funu ifade etti.<\/p>\n

Y\u0131ll\u0131k bazda ortalama y\u00fczde 25 artt\u0131<\/h2>\n

\u00c7al\u0131\u015fmaya g\u00f6re, konut kredileri, 2009 – 2015 d\u00f6neminde y\u0131ll\u0131k ortalama y\u00fczde 25 artarak 148 milyar TL’yi buldu. Y\u0131ll\u0131k bazda ortalama reel b\u00fcy\u00fcme ise y\u00fczde 16 seviyesinde ger\u00e7ekle\u015fti.<\/p>\n

Yurt D\u0131\u015f\u0131nda Ev Sahibi Olmak Hi\u00e7 Bu Kadar Kolay Olmam\u0131\u015ft\u0131 T\u0131klay\u0131n<\/strong><\/h2>\n

Bankalar taraf\u0131ndan yurt d\u0131\u015f\u0131ndan arac\u0131l\u0131k edilen krediler haricindeki konut kredilerinin, finansman \u015firketleri taraf\u0131ndan kulland\u0131r\u0131lan krediler toplam\u0131na oran\u0131 yakla\u015f\u0131k y\u00fczde 9’da kald\u0131. \u00d6te yandan bu kredilerin bireysel krediler i\u00e7indeki pay\u0131 6 puan artarak y\u00fczde 37\u2019ye y\u00fckseldi. Ev kredilerinin Gayri Safi Yurti\u00e7i Has\u0131la’ya (GSYH) oran\u0131 y\u00fczde 4\u2019ten y\u00fczde 7\u2019ye \u00e7\u0131kt\u0131. Bu oran\u0131n AB \u00fclkeleri ortalamas\u0131, 2014 y\u0131l\u0131nda y\u00fczde 43 d\u00fczeyindeydi.<\/p>\n

2,1 milyon ki\u015fi konut kredisi kulland\u0131<\/h3>\n

Konut kredisi kullanan ki\u015fi say\u0131s\u0131, stok olarak 2009’da 800 bin iken 2015 sonunda 2,1 milyona ula\u015ft\u0131. Ayn\u0131 d\u00f6nemde ortalama kredi miktar\u0131 da 51 bin TL\u2019den 70 bin TL\u2019ye y\u00fckseldi.<\/p>\n

Ki\u015fi ba\u015f\u0131na kullan\u0131lan ev kredisi miktar\u0131, ortalama 76 bin TL\u2019den 114 bin TL\u2019ye \u00e7\u0131karken kredilerin ortalama vadesi 19 ay uzayarak 91 aya \u00e7\u0131kt\u0131.<\/p>\n\n","protected":false},"excerpt":{"rendered":"

TBB Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ayd\u0131n, konut kredilerinin di\u011fer bireysel kredi t\u00fcrlerine g\u00f6re h\u0131zl\u0131 artt\u0131\u011f\u0131n\u0131, 2015 sonu itibar\u0131yla konut kredisi kullanan ki\u015fi say\u0131s\u0131n\u0131n 2 milyonu a\u015ft\u0131\u011f\u0131n\u0131 belirtti.<\/p>\n","protected":false},"author":3,"featured_media":234915,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6199,202904,6155,5005],"tags":[75388,7416,57470,56528],"class_list":["post-234913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-emlak","category-gundem","category-manset","tag-huseyin-aydin","tag-konut-fiyatlari","tag-konut-kredisi","tag-turkiye-bankalar-birligi"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/234913","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/comments?post=234913"}],"version-history":[{"count":0,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/234913\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media\/234915"}],"wp:attachment":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media?parent=234913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/categories?post=234913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/tags?post=234913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}