{"id":188129,"date":"2026-03-19T04:30:10","date_gmt":"2026-03-19T04:30:10","guid":{"rendered":"https:\/\/kamucalisani.net\/?p=188129"},"modified":"2026-03-19T04:30:10","modified_gmt":"2026-03-19T04:30:10","slug":"kira-yerine-kredi-dediler","status":"publish","type":"post","link":"https:\/\/kamucalisani.net\/index.php\/2026\/03\/19\/kira-yerine-kredi-dediler\/","title":{"rendered":"Kira yerine kredi dediler"},"content":{"rendered":"

Duygu Erdo\u011fan –<\/strong> <\/span>Konut sat\u0131\u015flar\u0131nda banka kredisi pay\u0131 yeniden y\u00fckseli\u015fe ge\u00e7ti. 2025 y\u0131l\u0131 boyunca g\u00f6rece daha d\u00fc\u015f\u00fck faiz oranlar\u0131n\u0131n arka arkaya uygulanmaya ba\u015flamas\u0131 2026\u2019da da konut kredisi faiz oranlar\u0131n\u0131 \u00f6nemli bir enstr\u00fcman haline getirdi. Konut al\u0131c\u0131s\u0131 enflasyon kar\u015f\u0131s\u0131nda fiyat art\u0131\u015f\u0131 ya\u015fanmayan konut piyasas\u0131n\u0131, y\u00fczde 2.49\u2019a kadar d\u00fc\u015fen faiz oranlar\u0131yla de\u011ferlendirmeye devam ediyor. Sat\u0131l\u0131k konuttaki fiyat\u0131n reel olarak d\u00fc\u015f\u00fc\u015f\u00fc, \u00f6zellikle kira \u00f6deyen ve oturum ama\u00e7l\u0131 ev almak isteyen kesim i\u00e7in krediyi cazip hale getiriyor. Kira piyasas\u0131nda devam eden hareketlilik, \u0130stanbul ba\u015fta olmak \u00fczere fiyat art\u0131\u015f\u0131 y\u00fcksek \u015fehirlerde banka kredili al\u0131mlar\u0131 t\u00fcketici i\u00e7in \u00f6denebilir yap\u0131yor.<\/p>\n

33 ay sonra…<\/strong><\/p>\n

Kamu ve \u00f6zel bankalardaki faiz oranlar\u0131 y\u00fczde 2.49 ile y\u00fczde 2.59 aras\u0131na kadar gerilemi\u015f oldu.\u00a0Ge\u00e7en y\u0131l\u0131n ba\u015f\u0131nda\u00a0faiz oranlar\u0131 y\u00fczde 3\u2019\u00fcn \u00fczerine \u00e7\u0131km\u0131\u015f, ard\u0131ndan gev\u015feme ba\u015flayarak y\u00fczde 2.79\u2019a kadar inmi\u015fti.<\/p>\n

T\u00fcrkiye \u0130statistik Kurumu (T\u00dc\u0130K) ayl\u0131k konut sat\u0131\u015f verilerine g\u00f6re \u015fubat ay\u0131nda ipotekli sat\u0131\u015flar olarak bilinen konut kredili sat\u0131\u015flarda y\u00fczde 42.3\u2019l\u00fck art\u0131\u015f dikkati \u00e7ekti. Ge\u00e7en ay kredi kullan\u0131larak al\u0131nan konut say\u0131s\u0131 25 bin 35\u2019e y\u00fckseldi.<\/p>\n

Y\u00fczde 1.20 gelmedi<\/strong><\/p>\n

Toplam konut sat\u0131\u015flar\u0131 i\u00e7inde ipotekli sat\u0131\u015flar\u0131n pay\u0131n\u0131n 33 ay sonra yeniden y\u00fczde 20\u2019nin (y\u00fczde 20.1) \u00fczerine \u00e7\u0131kmas\u0131 da \u00f6ne \u00e7\u0131kan veriler aras\u0131nda yer ald\u0131.\u00a0May\u0131s 2023\u2019ten sonraki en y\u00fcksek orana g\u00f6re, her 100 konuttan 20\u2019si krediyle sat\u0131ld\u0131. Daha \u00f6nce bu say\u0131 15 seviyesindeydi. Ocak-\u015fubat d\u00f6neminde ise ipotekli konut sat\u0131\u015f\u0131, y\u00fczde 29 art\u0131\u015fla 45 bin 298\u2019e \u00e7\u0131kt\u0131.<\/p>\n

T\u00fcketiciler 2026 y\u0131l\u0131 i\u00e7in kamu taraf\u0131ndan ilk konutunu alacaklara y\u00f6nelik y\u00fczde 1.20 oran\u0131yla bir kampanya yap\u0131lmas\u0131n\u0131 bekliyordu. Ancak\u00a0TCMB\u2019nin faizi d\u00fc\u015f\u00fcren hamleleri ard\u0131ndan gev\u015feyen piyasa ko\u015fullar\u0131na ba\u011fl\u0131 olarak bu ad\u0131m at\u0131lmad\u0131. Ayr\u0131ca\u00a0mevcut konjonkt\u00fcrde b\u00f6lgedeki sava\u015f ortam\u0131yla geli\u015fen s\u00fcre\u00e7te zorlu ko\u015fullar ekonomiler \u00fczerinde tehdit olarak g\u00f6r\u00fcl\u00fcyor. Bu d\u00f6nemde k\u00fcresel piyasalarda faizlerde kontroll\u00fc bir hareket bekleniyor.<\/p>\n

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<\/img><\/div>\n<\/div>\n

K\u0131s\u0131tlama gev\u015fetildi y\u00fckseli\u015f h\u0131zland\u0131<\/strong><\/p>\n

Kredili sat\u0131\u015flar\u0131n artmas\u0131nda Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu\u2019nun (BDDK) kredi k\u0131s\u0131tlamas\u0131n\u0131 gev\u015fetmesi de etkili oldu.\u00a0Daha \u00f6nce BDDK taraf\u0131ndan konutun de\u011ferine g\u00f6re kulland\u0131r\u0131lan kredi oran\u0131nda ikinci el konutlar i\u00e7in kredi pay\u0131 olduk\u00e7a d\u00fc\u015f\u00fckt\u00fc.\u00a0Kredi limitlerinin yeniden d\u00fczenlenmesiyle daha \u00f6nce s\u0131n\u0131rland\u0131r\u0131lan ikinci el konutlardaki\u00a0kredi oranlar\u0131n\u0131n dezavantaj ortadan kald\u0131r\u0131lm\u0131\u015f oldu. 5 milyon TL alt\u0131ndaki konutlar i\u00e7in kredi musluklar\u0131 a\u00e7\u0131ld\u0131.<\/p>\n

Reel d\u00fc\u015f\u00fc\u015f s\u00fcr\u00fcyor<\/strong><\/p>\n

Halihaz\u0131rda y\u00fczde 2.49 faiz oran\u0131 y\u00fcksek g\u00f6r\u00fclse de kira \u00f6demeye devam eden konut al\u0131c\u0131lar\u0131 i\u00e7in uygun bir se\u00e7enek olu\u015fturuyor. \u00d6zellikle konut fiyatlar\u0131n\u0131n enflasyon kar\u015f\u0131s\u0131nda reel olarak y\u00fckselmemesi oturum i\u00e7in konut almak isteyenler i\u00e7in s\u00fcreci cazip hale getiriyor.\u00a0<\/p>\n

T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB), \u015fubat ay\u0131na ili\u015fkin Konut Fiyat Endeksi\u2019ne (KFE) g\u00f6re ge\u00e7en y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 26.4 artan KFE, ayn\u0131 d\u00f6nemde reel olarak y\u00fczde 3.9 azald\u0131.<\/p>\n

Taksitler 52 bin lira<\/strong><\/p>\n

2 milyon lira i\u00e7in y\u00fczde 2.49 faiz oran\u0131\u00a0ve 120 ay vade\u00a0ile \u00e7ekilen konut kredisinin ayl\u0131k taksit tutar\u0131 52 bin lira seviyesinde oluyor. Toplam geri \u00f6deme ise 6.3 milyon lira olarak ger\u00e7ekle\u015fiyor. Bankalar\u0131n konut kredisindeki sabit taksit \u00f6deme imkan\u0131 da oturum i\u00e7in konut alacaklar a\u00e7\u0131s\u0131ndan avantajl\u0131 bir se\u00e7enek olarak de\u011ferlendiriliyor.<\/p>\n\n

<\/p>\n

Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/kira-yerine-kredi-dediler-7557047<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u015eubat ay\u0131nda her 100 konuttan 20\u2019si konut kredisi ile sat\u0131n al\u0131nd\u0131. 33 ay sonra banka kredili sat\u0131\u015flar toplam sat\u0131\u015flar i\u00e7inde yeniden y\u00fczde 20\u2019nin \u00fczerinde pay ald\u0131. Reel fiyat art\u0131\u015f\u0131 ya\u015fanmayan konut piyasas\u0131nda y\u00fcksek seyreden kiralar, al\u0131c\u0131 i\u00e7in y\u00fczde 2.49 faiz ile \u00e7ekilen krediyi cazip hale getirdi<\/p>\n","protected":false},"author":1,"featured_media":188130,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[545,59,281,1039,276],"class_list":["post-188129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-banka","tag-fiyat","tag-konut","tag-kredi","tag-satis"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/188129","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=188129"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/188129\/revisions"}],"predecessor-version":[{"id":188132,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/188129\/revisions\/188132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/188130"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=188129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=188129"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=188129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}