T\u00fcketici \u00f6rg\u00fctleri ve gayrimenkul sekt\u00f6r\u00fc temsilcileri, bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131\u011f\u0131 indirimin yeterli olmad\u0131\u011f\u0131n\u0131 ve devam etmesi gerekti\u011fini belirtirken, faizlerin y\u00fczde 0,70’lere inmesi halinde vatanda\u015flar\u0131n konut al\u0131m\u0131 i\u00e7in harekete ge\u00e7ece\u011fi g\u00f6r\u00fc\u015f\u00fcn\u00fc ta\u015f\u0131yor.<\/p>\n
Emlak Konut ile GYODER’in ba\u015flatt\u0131\u011f\u0131 kampanyalar\u0131n ard\u0131ndan Cumhurba\u015fkan\u0131 Recep Tayyip Erdo\u011fan’\u0131n, bankalara, konut kredilerinde y\u0131ll\u0131k faiz oranlar\u0131n\u0131 y\u00fczde 9’a do\u011fru \u00e7ekmesi \u00e7a\u011fr\u0131s\u0131 ve Ba\u015fbakan Binali Y\u0131ld\u0131r\u0131m’\u0131n da konut kredilerinde faizi d\u00fc\u015f\u00fcrmek i\u00e7in \u00e7al\u0131\u015fmalara ba\u015flad\u0131klar\u0131n\u0131 duyurmas\u0131yla bankalar, ge\u00e7en haftadan ba\u015flayarak en d\u00fc\u015f\u00fc\u011f\u00fc y\u00fczde 0,80 olmak \u00fczere birbiri ard\u0131na kredi faizlerini y\u00fczde 1’in alt\u0131na \u00e7ekmi\u015fti.<\/p>\n
0-24 vadelerde faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131na kar\u015f\u0131n, halihaz\u0131rda 10 y\u0131l vadeli en d\u00fc\u015f\u00fck faiz oran\u0131 y\u00fczde 0,95 civar\u0131nda bulunuyor. Y\u0131ll\u0131k bazda y\u00fczde 11,4 gibi g\u00f6z\u00fckse de vergi ve di\u011fer giderlerle y\u00fczde 12’nin \u00fczerine \u00e7\u0131kan oran, t\u00fcketicinin beklentisini kar\u015f\u0131lamaktan uzak g\u00f6r\u00fcn\u00fcyor.<\/p>\n
“T\u00fcketiciler y\u00fczde 0,70 band\u0131nda harekete ge\u00e7er”<\/p>\n\n
T\u00fcketici Sorunlar\u0131 Derne\u011fi (T\u00dcSODER) Genel Ba\u015fkan Yard\u0131mc\u0131s\u0131 ve Emlak Komisyonu Ba\u015fkan\u0131 Hatice Kol\u00e7ak, Cumhurba\u015fkan\u0131 Erdo\u011fan’\u0131n faizleri d\u00fc\u015f\u00fcrme y\u00f6n\u00fcndeki \u00e7a\u011fr\u0131s\u0131 sonras\u0131 bankalar\u0131n harekete ge\u00e7ti\u011fini an\u0131msatarak, “Ancak bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131\u011f\u0131 indirim t\u00fcketiciler i\u00e7in yeterli de\u011fil. Beklenen ve istenilen hen\u00fcz olmad\u0131.” dedi.<\/p>\n
Kol\u00e7ak, t\u00fcketicilere sunulan konut faiz oranlar\u0131n\u0131n \u00e7ok k\u0131sa vadeler i\u00e7in uygun oldu\u011funu ifade ederek, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n
“Mesela 0-24 ay i\u00e7in verilen kredi faiz oran\u0131 0,80 band\u0131na inmi\u015f olsa da, bu oran vatanda\u015f\u0131n bir i\u015fine yaram\u0131yor. Konut kredisi kullanacak t\u00fcketici minimum 5-10 y\u0131l vadeyi tercih ediyor. 10 y\u0131l vade oran\u0131 ise en d\u00fc\u015f\u00fck 0,95 seviyelerinde ve hala \u00e7ok y\u00fcksek. Bu rakam y\u0131ll\u0131k hesap edildi\u011finde y\u00fczde 11,5’lara denk geliyor. Ancak Cumhurba\u015fkan\u0131m\u0131z\u0131n \u00e7a\u011fr\u0131s\u0131 y\u0131ll\u0131k faizin y\u00fczde 9’lara \u00e7ekilmesi y\u00f6n\u00fcndeydi. Bu rakam\u0131 ayl\u0131k d\u00fc\u015f\u00fcn\u00fcrsek y\u00fczde 0,70’lere denk gelir.”<\/p>\n
Faiz oran\u0131n\u0131n kademeli olarak d\u00fc\u015fmeye devam etmesi gerekti\u011fini, bu konuda kendisinin de \u00fcmitli oldu\u011funu ve k\u0131sa vadede a\u015fa\u011f\u0131 y\u00f6nl\u00fc ini\u015fin s\u00fcrece\u011fini umdu\u011funu belirten Kol\u00e7ak, “D\u00fc\u015f\u00fc\u015f devam etmezse konut sat\u0131\u015f\u0131nda beklenen hareketlenme olmayacakt\u0131r. \u00c7\u00fcnk\u00fc vatanda\u015f\u0131n hen\u00fcz beklentisi kar\u015f\u0131l\u0131k bulmad\u0131.” ifadesini kulland\u0131. Kol\u00e7ak, 10 y\u0131l vade ile ev sahibi olmay\u0131 bekleyen t\u00fcketicilerin faiz oran\u0131n\u0131n y\u00fczde 0,70 band\u0131na geldi\u011finde harekete ge\u00e7ece\u011fini bildirdi.<\/p>\n
“Mortgage’\u0131n uyguland\u0131\u011f\u0131 \u00fclkeler aras\u0131nda en y\u00fcksek faiz T\u00fcrkiye’de”
\n\u0130stanbul Emlak Komisyoncular\u0131 ve Dan\u0131\u015fmanlar\u0131 Esnaf Odas\u0131 Ba\u015fkan\u0131 Nizameddin A\u015fa da bankalar\u0131n faiz oran\u0131n\u0131 ilk etapta psikolojik s\u0131n\u0131r olan y\u00fczde 1’in alt\u0131na indirmesinin olumlu oldu\u011funu ifade ederek, kredi oran\u0131n\u0131n d\u00fc\u015fmesinin yan\u0131nda vatanda\u015flar\u0131n kredi \u00e7ekmesinin de kolayla\u015ft\u0131r\u0131lmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n
A\u015fa, bankalar\u0131n i\u015fe ticari g\u00f6zle bakt\u0131\u011f\u0131n\u0131 ve faizleri Cumhurba\u015fkan\u0131 Erdo\u011fan’\u0131n istedi\u011fi orana d\u00fc\u015f\u00fcrmedi\u011fini belirterek, “Mortgage sisteminin uyguland\u0131\u011f\u0131 \u00fclkeler aras\u0131nda en y\u00fcksek faiz oran\u0131 y\u0131ll\u0131k y\u00fczde 8. Ama bizde \u015fu an bile\u015fik faizle y\u00fczde 13’\u00fc ge\u00e7ebiliyor. Emlak\u00e7\u0131lar\u0131n talebi, faiz indiriminin devam etmesi ve daha da a\u015fa\u011f\u0131 \u00e7ekilmesidir.” diye konu\u015ftu.<\/p>\n\n","protected":false},"excerpt":{"rendered":"
Bankalar\u0131n konut kredisi faizlerini ge\u00e7en haftadan ba\u015flayarak y\u00fczde 1’in alt\u0131na \u00e7ekmesine kar\u015f\u0131n a\u011f\u0131rl\u0131kla tercih edilen uzun vadeli kullan\u0131mda faizlerin hala y\u00fcksek seviyede bulunmas\u0131, t\u00fcketicilerin beklentisini kar\u015f\u0131lamad\u0131. T\u00fcketici \u00f6rg\u00fctleri ve gayrimenkul sekt\u00f6r\u00fc temsilcileri, bankalar\u0131n konut kredisi faiz oranlar\u0131nda yapt\u0131\u011f\u0131 indirimin yeterli olmad\u0131\u011f\u0131n\u0131 ve devam etmesi gerekti\u011fini belirtirken, faizlerin y\u00fczde 0,70’lere inmesi halinde vatanda\u015flar\u0131n konut al\u0131m\u0131 i\u00e7in …<\/p>\n","protected":false},"author":4,"featured_media":237561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[202904],"tags":[169359,205438,60783,208835,207193,57470],"class_list":["post-237559","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emlak","tag-cumhurbaskani-erdogan","tag-emlak","tag-faiz-indirimi","tag-gyoder","tag-konut","tag-konut-kredisi"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/237559","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/comments?post=237559"}],"version-history":[{"count":0,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/237559\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media\/237561"}],"wp:attachment":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media?parent=237559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/categories?post=237559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/tags?post=237559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}