Ziraat Bankas\u0131’ndan yap\u0131lan a\u00e7\u0131klamada, konut sekt\u00f6r\u00fcn\u00fcn, do\u011frudan ve dolayl\u0131 olarak etkileme potansiyeline sahip oldu\u011fu bir\u00e7ok alt sekt\u00f6r ve ekonomiye sa\u011flad\u0131\u011f\u0131 katma de\u011ferle \u00fclke i\u00e7in \u00f6nemli sekt\u00f6rlerden biri olageldi\u011fi belirtildi.<\/p>\n
Bu \u00e7er\u00e7evede Ziraat Bankas\u0131’n\u0131n gerek konutlar\u0131n \u00fcretim a\u015famas\u0131nda yap\u0131 firmalar\u0131na kurumsal kredi, gerekse konutlar\u0131n sat\u0131\u015f\u0131nda da al\u0131mlar\u0131n finansman\u0131nda finansal \u00e7\u00f6z\u00fcmler sunmaya devam etti\u011fi bildirilen a\u00e7\u0131klamada, \u015funlar kaydedildi:<\/p>\n
“Hem geleneksel bir yat\u0131r\u0131m arac\u0131 olarak de\u011ferlendirilmesi, hem de sosyal bir ihtiyac\u0131 kar\u015f\u0131l\u0131yor olmas\u0131 nedeniyle ‘konut’, t\u00fcketicilerin kredi taleplerinde \u00f6nemli bir yer tutmaktad\u0131r. Ziraat Bankas\u0131, m\u00fc\u015fterilerinin konut kredisi taleplerini; uygun faiz oranlar\u0131, etkinli\u011fini daha da art\u0131rmakta oldu\u011fu h\u0131zl\u0131 ve kolay de\u011ferlendirme s\u00fcre\u00e7leri, her kesime uygun ko\u015fullarda sunulan geni\u015f \u00fcr\u00fcn yelpazesi ve gelire uygun \u00f6zel \u00f6deme plan\u0131 se\u00e7enekleri ile kar\u015f\u0131lamay\u0131 s\u00fcrd\u00fcrmektedir. Bankam\u0131z, konut kredisini salt bir kredi vermekten \u00f6te, m\u00fc\u015fteriyle uzun vadeli bir birlikteli\u011fin ba\u015flang\u0131c\u0131 olarak g\u00f6rmekte ve konut kredisi m\u00fc\u015fterilerinin di\u011fer t\u00fcm finansal ihtiya\u00e7lar\u0131n\u0131n kar\u015f\u0131lanmas\u0131nda da tercih edece\u011fi b\u00fct\u00fcnsel \u00e7\u00f6z\u00fcm \u00f6nerileri sunmaktad\u0131r. <\/p>\n
Uygulad\u0131\u011f\u0131 fiyatlama politikas\u0131yla, ba\u015fta d\u00fc\u015f\u00fck ve orta gelir grubunda yer alan m\u00fc\u015fteriler olmak \u00fczere farkl\u0131 \u00f6zellikteki m\u00fc\u015fterilerin konut al\u0131m\u0131 i\u00e7in ihtiya\u00e7 duydu\u011fu finansmana eri\u015fim sa\u011flanmas\u0131, bankan\u0131n i\u015f modelinde \u00f6ncelikli olarak yer almaktad\u0131r. Bu anlay\u0131\u015fla, Ziraat Bankas\u0131 konut piyasas\u0131nda \u00f6zellikle son 3 y\u0131lda g\u00f6sterdi\u011fi g\u00fc\u00e7l\u00fc b\u00fcy\u00fcme performans\u0131 sayesinde pazar pay\u0131n\u0131 s\u00fcrekli b\u00fcy\u00fcterek 2018 y\u0131l\u0131 ilk \u00e7eyre\u011fi sonu itibar\u0131yla yakla\u015f\u0131k y\u00fczde 25 seviyesine ula\u015ft\u0131rm\u0131\u015ft\u0131r. Yakla\u015f\u0131k 200 milyar TL b\u00fcy\u00fckl\u00fc\u011fe sahip konut kredisi piyasas\u0131nda; 2016 ve 2017 y\u0131llar\u0131nda sa\u011flanan b\u00fcy\u00fcmenin yakla\u015f\u0131k y\u00fczde 50’si Ziraat Bankas\u0131 arac\u0131l\u0131\u011f\u0131 ile ger\u00e7ekle\u015ftirilmi\u015f olup, 2018 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde de ayn\u0131 trendin devam etti\u011fi g\u00f6r\u00fclmektedir.”<\/p>\n
A\u00e7\u0131klamada, gelece\u011fe umutla bakan ve daha g\u00fc\u00e7l\u00fc bir T\u00fcrkiye ekonomisi i\u00e7in \u00fclke bilan\u00e7osunu her zaman kendi bilan\u00e7osunun \u00f6n\u00fcnde tutan Ziraat Bankas\u0131’n\u0131n, bug\u00fcn \u00f6nc\u00fc bir ad\u0131m daha atarak yar\u0131ndan itibaren ge\u00e7erli olmak \u00fczere 500 bin TL’ye kadar olan konut kredilerinde, 10 y\u0131la kadar olan vadelerde indirime giderek faiz oran\u0131n\u0131 ayl\u0131k y\u00fczde 0,98 olarak belirledi\u011fi ifade edildi.<\/p>\n
Ziraat Bankas\u0131’ndan sonra Halkbank da 500 bin TL’ye kadar olan konut kredilerinde 10 y\u0131la kadar vadelerde ayl\u0131k faiz oran\u0131n\u0131 y\u00fczde 0,98’e indirdi.<\/p>\n\n","protected":false},"excerpt":{"rendered":"
Ziraat Bankas\u0131 ile Halkbank, 500 bin TL’ye kadar olan konut kredilerinde 10 y\u0131la kadar olan vadelerde ayl\u0131k faiz oran\u0131n\u0131 y\u00fczde 0,98’e indirdi. Ziraat Bankas\u0131’ndan yap\u0131lan a\u00e7\u0131klamada, konut sekt\u00f6r\u00fcn\u00fcn, do\u011frudan ve dolayl\u0131 olarak etkileme potansiyeline sahip oldu\u011fu bir\u00e7ok alt sekt\u00f6r ve ekonomiye sa\u011flad\u0131\u011f\u0131 katma de\u011ferle \u00fclke i\u00e7in \u00f6nemli sekt\u00f6rlerden biri olageldi\u011fi belirtildi. Bu \u00e7er\u00e7evede Ziraat Bankas\u0131’n\u0131n …<\/p>\n","protected":false},"author":4,"featured_media":265093,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[202904,6155,5005,349],"tags":[75386,57470,27382,5230],"class_list":["post-265092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emlak","category-gundem","category-manset","category-son-dakika","tag-halkbank","tag-konut-kredisi","tag-son-dakika","tag-ziraat-bankasi"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/265092","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=265092"}],"version-history":[{"count":0,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/posts\/265092\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media\/265093"}],"wp:attachment":[{"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/media?parent=265092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/categories?post=265092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nationalturk.com\/tr\/wp-json\/wp\/v2\/tags?post=265092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}