{"id":125514,"date":"2025-10-14T21:00:13","date_gmt":"2025-10-14T21:00:13","guid":{"rendered":"https:\/\/kamucalisani.net\/?p=125514"},"modified":"2025-10-14T21:00:13","modified_gmt":"2025-10-14T21:00:13","slug":"taksiti-dusurmek-icin-ortak-kredi-soruluyor","status":"publish","type":"post","link":"https:\/\/kamucalisani.net\/index.php\/2025\/10\/14\/taksiti-dusurmek-icin-ortak-kredi-soruluyor\/","title":{"rendered":"Taksiti d\u00fc\u015f\u00fcrmek i\u00e7in ortak kredi soruluyor"},"content":{"rendered":"

Duygu Erdo\u011fan \/ \u0130STANBUL –<\/strong> <\/span>Y\u00fcksek konut kredisi faizi ortam\u0131nda ortak konut kredisi kullan\u0131m\u0131na talep art\u0131\u015f\u0131 var.\u00a0\u00d6zellikle kredi ayl\u0131k taksitini d\u00fc\u015f\u00fcrmek i\u00e7in \u2018payla\u015f\u0131m\u2019 esas\u0131na dayal\u0131 olarak tercih edilen kredi,\u00a0ailelerin daha \u00e7ok ilgisini \u00e7ekiyor. Artan konut fiyatlar\u0131 kar\u015f\u0131s\u0131nda daha y\u00fcksek kredi \u00e7ekebilmek i\u00e7in de ortak kredi kullan\u0131m\u0131 tercih ediliyor. \u00d6rne\u011fin 1 milyon liral\u0131k kredinin 10 y\u0131l vadede ayl\u0131k 35 bin lira olan taksit \u00f6demesi; iki karde\u015f taraf\u0131ndan ortak b\u00f6l\u00fcnebildi\u011fi gibi,\u00a0e\u015fler taraf\u0131ndan ortak gelir beyan\u0131 ile payla\u015f\u0131labiliyor. Yan\u0131 s\u0131ra ayn\u0131 kredi t\u00fcr\u00fc i\u015f yeri edinimi i\u00e7in de kullan\u0131labiliyor. Banka \u015fubelerinin son g\u00fcnlerde s\u0131k\u00e7a sorular ald\u0131\u011f\u0131 kredi t\u00fcr\u00fcyle ilgili merak edilenleri \u00f6rnekleriyle ele ald\u0131k\u2026<\/p>\n

\u00d6rnek taksitlendirme<\/strong><\/p>\n

Mevcut banka konut kredilerinde ortalama faiz oran\u0131 4.19 seviyesinde. 1 milyon 500 bin liral\u0131k bir kredi i\u00e7in \u00fc\u00e7 orta\u011f\u0131n \u00f6deme yapmas\u0131 durumunda\u00a07 milyon 600 bin liral\u0131k geri \u00f6demenin 64 bin lira ayl\u0131k taksiti bulunuyor. Bu da \u00fc\u00e7 orta\u011fa ki\u015fi ba\u015f\u0131na 21 bin lira seviyesinde ayl\u0131k taksit \u00f6demesi getiriyor.\u00a0<\/p>\n

Yine 4.19 faiz ile 2 milyon liral\u0131k konut kredisinin 10 y\u0131l vade ile geri \u00f6demesi 10 milyon lira seviyesinde bulunuyor. Ayl\u0131k taksit ise 84 bin lira. 4 ki\u015finin ortak olabilece\u011fi kredide ki\u015fi ba\u015f\u0131na 21 bin lira ayl\u0131k taksit d\u00fc\u015f\u00fcyor.<\/p>\n

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Ortak tapu esas\u0131na dayan\u0131yor<\/strong><\/p>\n

Yedi y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir kamu bankalar\u0131n\u0131n g\u00fcndeminde olan kredi, ortak tapu esas\u0131na dayan\u0131yor.\u00a0Birden fazla ki\u015finin gelir beyan\u0131 ile ula\u015f\u0131lan kredi, ki\u015filerin \u00f6zellikle ayl\u0131k \u00f6deme miktar\u0131n\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in kulland\u0131\u011f\u0131 bir y\u00f6ntem. Yan\u0131 s\u0131ra \u00f6zellikle e\u015flerin\u00a0krediye yeter tutarda gelir beyan etmek i\u00e7in de kulland\u0131\u011f\u0131 bir model olarak \u00f6ne \u00e7\u0131k\u0131yor. Kullan\u0131m\u0131 d\u00fc\u015f\u00fck kalsa da\u00a0bankalara s\u0131k s\u0131k talep iletiliyor.<\/p>\n

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Kredili al\u0131m d\u00fc\u015f\u00fck seviyede<\/strong><\/p>\n

Son verilere g\u00f6re T\u00fcrkiye\u2019de ortalama konut sat\u0131\u015f fiyat\u0131 3.4 milyon lira oldu.\u00a0Buna kar\u015f\u0131l\u0131k y\u00fcksek faizler konuta ula\u015fmay\u0131 zorla\u015ft\u0131r\u0131yor. Banka kredili (ipotekli) konut sat\u0131\u015flar\u0131 bu nedenle d\u00fc\u015f\u00fc\u015f g\u00f6stermeye devam ediyor. Y\u0131l\u0131n ilk 6 ayl\u0131k d\u00f6neminde ipotekli konut sat\u0131\u015f\u0131 bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 57.7 azal\u0131\u015fla 51 bin 415 oldu. \u0130lk 6 ayda kredili sat\u0131\u015f\u0131n pay\u0131 y\u00fczde 9.4 seviyesinde. Y\u0131ll\u0131k olarak de\u011ferlendirildi\u011finde bu seviye, \u015fimdiye kadar yap\u0131lan t\u00fcm sat\u0131\u015flardan daha d\u00fc\u015f\u00fck bir kredili al\u0131m\u0131 i\u015faret ediyor.<\/p>\n

MERAK ED\u0130LEN SORULAR VE YANITLARI<\/strong><\/p>\n

– Kimler faydalanabiliyor?<\/strong><\/p>\n

Krediyi kullanmak i\u00e7in en az 2 ki\u015fi, en fazla 5 ki\u015fi s\u0131n\u0131r\u0131 var.<\/p>\n

– Ne kadar kredi \u00e7ekilebiliyor?<\/strong><\/p>\n

Bir s\u0131n\u0131r belirtilmemesine ra\u011fmen en y\u00fcksek 2 milyon TL kredi kulland\u0131r\u0131l\u0131yor.\u00a0<\/p>\n

– Sistem nas\u0131l i\u015fler?<\/strong><\/p>\n

Ortak tapuda bireylerin kredi hesaplar\u0131 ayr\u0131 olsa da bor\u00e7tan hepsi sorumludur.\u00a0Kredi \u00e7ekilen evin tamam\u0131 \u00fczerinde ipotek vard\u0131r.<\/p>\n

– Al\u0131nan konut kim \u00fczerine kay\u0131tl\u0131 oluyor?<\/strong><\/p>\n

Hisseli ortak ev al\u0131m\u0131 olarak herkese pay verilerek ortak tapu sa\u011flan\u0131yor.<\/p>\n

– Ortaklardan birinin pay\u0131na d\u00fc\u015fen \u00f6demeyi yapamamas\u0131 durumunda ne olur?<\/strong><\/p>\n

Kredi borcundan t\u00fcm ortaklar e\u015fit olarak sorumlu. \u00d6denemeyen borcu di\u011fer ortaklar\u0131n \u00f6demesi gerekiyor.\u00a0<\/p>\n

– \u00d6demeler devam ederken hak sahiplerinden birinin krediden feragat etmesi durumunda ne olur?<\/strong><\/p>\n

Cayma bedeli uygulan\u0131p kalan bor\u00e7 ortaklar aras\u0131nda yeniden yap\u0131land\u0131r\u0131labilir. Ortaklar\u0131n birinin vefat\u0131 durumunda ise pay\u0131 varislerine kal\u0131r.\u00a0Varisler pay\u0131 ortaklara satabilir ya da \u00f6demeye devam edebilir.<\/p>\n

– Ayn\u0131 uygulama i\u015f yeri al\u0131m\u0131nda da var m\u0131d\u0131r?<\/strong><\/p>\n

Baz\u0131 bankalar i\u015f yeri al\u0131m\u0131nda da ortak kredi kulland\u0131r\u0131yor.<\/p>\n\n

<\/p>\n

Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/taksiti-dusurmek-icin-ortak-kredi-soruluyor-7161432<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Ortak konut kredisi imkan\u0131, artan kredi faiz oranlar\u0131 ortam\u0131nda yeniden talep art\u0131\u015f\u0131yla g\u00fcndemde. En az 2, en fazla 5 ki\u015finin ortak olarak \u00e7ekebilece\u011fi krediden herkes e\u015fit oranda sorumlu.\u00a0Tapu ise ortak…<\/p>\n","protected":false},"author":1,"featured_media":125515,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[255,281,1039,367,2573],"class_list":["post-125514","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bin-lira","tag-konut","tag-kredi","tag-odeme","tag-ortak"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/125514","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=125514"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/125514\/revisions"}],"predecessor-version":[{"id":125518,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/125514\/revisions\/125518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/125515"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=125514"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=125514"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=125514"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}