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24 Mayıs ihtiyaç kredisi almak isteyen vatandaşlar en uygun krediyi hangi banka veriyor gibi soruları internetten araştırıyor. Bu hafta bankaların konut kredisi faiz oranları ortalaması %2.11 seviyesinde. Yapılan yükselişler sonrasında en düşük konut kredisi faiz oranının %1.55 oranında olduğu ve en yüksek konut kredisi faiz oranının ise %2.77 oranında olduğu görülüyor. Bu konuda şu an için en uygun banka Ziraat Bankası 'dır. Konut kredisi faiz oranlarındaki artış ile birlikte düşen konut satışlarını arttırmak amacıyla, konut satışı yapan firmalar ile bankalar arasında yapılan anlaşmalar sonucunda, vatandaşlar 0.98% faiz oranı ile konut sahibi olabiliyor. Peki en uygun krediyi hangi banka veriyor ? İşte 2019 Ziraat Bankası, Halkbank , Vakıfbank kredi paketleri güncel faiz oranları
Bu hafta Konut Kredisi Faiz Oranları Nasıl Başladı?
20 Mayıs tarihinden itibaren başlangıç gösteren hafta kapsamında banka ların hangi konut kredisi faiz oranları ile hizmet verdikleri merak ediliyor. Bu hafta bankaların konut kredisi faiz oranları ortalaması %2.11 seviyesinde. Yapılan yükselişler sonrasında en düşük konut kredisi faiz oranının %1.55 oranında olduğu ve en yüksek konut kredisi faiz oranının ise %2.77 oranında olduğu görülüyor. Son dönemlerde Türkiye 'deki konut kredisi faiz oranlarının çok yüksek seviyeleri çıkması sonrasında Hazine ve Maliye Bakanı Berat Albayrak açıklamalarda bulunmuş, Nisan ve Mayıs aylarında durumun biraz daha toparlanacağını ifade etmişti.
Bakanın bu açıklamaları sonrasında konut kredisi faiz oranlarını %0.98 seviyelerine geleceği tahmin edilirken bu hafta konut kredisi faiz oranı minimum %1.55 seviyesinden başlangıç gösterdi. Kredi Pazarı tarafından yapılan habere bakıldığında en uygun konut kredisi faiz oranı olan %1.55 ile 100.000 TL tutarında konut kredisi kullanıldığında bu kredinin aylık geri ödemesi 2470 TL seviyesinde oluyor. Toplam geri ödeme ise 154.300 TL'ye denk geliyor. Bu hafta başı itibari ile banka ların konut kredisi faiz oranları aşağıdaki kısımda sıralanmıştır.
23 MAYIS GÜNCEL BANKA KREDİSİ FAİZ ORANLARI
Ziraat Bankası'nın konut kredisi faiz oranı %1.45! 150.000 TL'lik kredi kullanmak istediğinizde %1.45 faiz oranıyla 2.645,11 TL geri ödeyeceksiniz.
Ziraat Banka sı taşıt kredi faiz oranı: %1.71
Ziraat Bankası tüketici kredi faiz oranı: %1.75
Halkbank kredi faiz oranlarında da son durum şu şekilde;
Halkbank konut kredisi faiz oranları: %1,65
Halkbank taşıt kredisi faiz oranları: %1,99
Halkbank ihtiyaç kredisi faiz oranları: %1,95 (maaşını Halkbank'tan alanlara özel)
Vakıfbank kredi faiz oranları şu şekilde;
Vakıfbank konut kredisi faiz oranları: %1,45
Vakıfbank ihtiyaç kredisi faiz oranları: %1,87
Garanti Banka sı kredi faiz oranları şu şekilde;
Garanti Bankası bireysel ihtiyaç kredisi faiz oranı; % 2,34.
Garanti Bankası taşıt kredisi faiz oranı; % 2,19.
Yapı Kredi Bankası kredi faiz oranları şu şekilde;
Yapı Kredi Bankası bireysel ihtiyaç kredisi faiz oranları; % 2,54
Yapı Kredi Bankası konut kredisi faiz oranları; % 2,25
Yapı Kredi Bankası taşıt kredisi faiz oranları; % 2,33
%0.98 Konut Kredisi Veren Bankalar
Konut kredisi faiz oranlarındaki artış ile birlikte düşen konut satışlarını arttırmak amacıyla, konut satışı yapan firmalar ile banka lar arasında yapılan anlaşmalar sonucunda, vatandaşlar 0.98% faiz oranı ile konut sahibi olabiliyor. Ziraat Bankası öncülüğünde başlayan kampanya sonucunda 500.000 Türk Lirası , 750.000 Türk Lirası ve 1.200.000 Türk Lirası seviyelerinde de kredi kullanımı mümkün. Banka ve gayrimenkul sağlayan firmaların anlaşması ise, şirketlerin aradaki faiz farkını banka ile anlaşarak ödemesi sonucunda karşılanıyor. Anlaşma ilk olarak metropollerde geçerli olsa da yavaş yavaş ülke genelinde geçerli hale geliyor.
Bankalar arasında en düşük faiz oranlarını uygulayan banka Ziraat Bankası olarak göze çarpıyor. Bankanın güncel konut ve ihtiyaç kredisi faiz oranlarına bakacak olursak; konut kredisi faiz oranı %1.45 oranında, ihtiyaç kredisi ise %1.75 oranında faizle veriliyor. Vade olarak ise 10 yıl konut kredisi için, 5 yıl da ihtiyaç kredisi için vade veriliyor. Bu konuda şu an için en uygun banka Ziraat Bankası'dır.
EN UYGUN KREDİ FAİZİ HESAPLAMA
Ziraat Banka sı'ndan 10 yıl vadeyle 100.000 TL konut kredisi çektiğiniz taktirde toplamda 211.500 TL geri ödeme yapmanız gerekiyor. Ayrıca aylık taksitleriniz de 1.750 TL olarak hesaplanıyor. 50.000 TL ihtiyaç kredisi çekmeniz halinde ise toplam geri ödemeniz 81.000 TL olurken, aylık taksitleriniz de 1.350 TL olarak belirleniyor. Bu kredinin vadesi ise 5 ay olarak hesaplanıyor.
İHTİYAÇ KREDİSİ NEDİR?
Gerçek kişilerin, bireysel amaçlı ihtiyaçlarını karşılamak için kullandıkları kredilerdir. Eğitim kredisi, beyaz eşya kredisi, tatil kredisi ve ev yenileme kredisi, altın kredisi vb. kredilerin tümü bireysel ihtiyaç kredileridir.
Eylül 2016'da yapılan düzenlemeler kapsamında 48 ay vade ile sınırlandırılmıştır. İhtiyaç kredileri genellikle teminatsız verilen kredilerdir. Kredi tahsisinde, başvuranın kredibilitesi/durumuna göre 3.kişi kefaleti istenebilir. Banka için riskinin daha yüksek olması sebebiyle faiz oranı diğer kredi türlerine göre daha yüksektir. Ortalama kredi tutarları 20.000-30.000 TL civarlarındadır.
ZİRAAT BANKASI TARİHİ!
19. yüzyılın ilk yarısında Osmanlı İmparatorluğu'nda, ticaret ve finansmanda batılı modellerin benimsenmesiyle birlikte, yabancı banka lar ülke toprakları içinde faaliyet göstermeye başlamıştı. O dönemlerde ülkede henüz, ulusal niteliğe sahip bir bankacılık sisteminin kurulması için yeterli sermaye birikimi oluşmamıştı ve bir kaynak oluşturma aracı olarak milli bankaların varlığından söz edilemiyordu.
Bu durumdan en çok zarar gören kesim ise çalışan nüfusun büyük çoğunluğunu oluşturan çiftçilerdi. Çünkü tamamen kendi kaderine terkedilmiş tarım kesiminde, geçim sıkıntısı içinde bulunan büyük bir çiftçi topluluğu başvurabilecekleri kurumsal bir finansal yapı olmadığı için, sürekli olarak özel şahıs kredilerine muhtaç durumdaydı. Kredileri verenler, bu işi meslek edinmiş faiz ci kimselerin yanı sıra, tarım gereçlerini satan tüccar, toptancı, ihracatçı, komisyoncu, kabzımal ve köy bakkalı gibi çeşitli ticaret erbabı ve esnaflardı. Bu tür yüksek faizli özel şahıs kredilerine Tefeci veya Murabaha Kredileri denilmekteydi.Memleket Sandıkları adını ahşap kasalardan almaktaydı.
Sandıkla ilgili işler katılımcı köylüler tarafından seçilen 2'si Müslüman, 2'si Hristiyan 4 kişilik sandık eminlerince yönetilmekteydi. Günlük işlemlerin yazıldığı yevmiye defteri, tüm hesapların kayıtlı olduğu defter-i kebir ve eldeki nakit paralar bu ahşap kasalarda saklanırdı. Daha sonraları güvenlik nedeniyle bu sandıkların yerine yöredeki ustalar tarafından demirden yapılan ilkel kasalar kullanılmaya başlanıldı.
1867 yılında "Memleket Sandıkları Nizamnamesi"nin yürürlüğe girmesiyle Osmanlı Devleti'nin her yanında (Rusçuk, Eski Cuma ve Lefkoşe sandıkları ilk örneklerdendir) sandıklar faaliyete başlamış ve uzun yıllar başarıyla hizmet vermiştir.
HALKBANK TARİHÇESİ
Kalıcı bir ekonomik kalkınma, sosyal denge ve toplumsal barışın korunması amacıyla esnaf, sanatkar ve küçük meslek sahiplerine uygun koşullarla kredi verilmesi amacıyla 1933 yılında çıkartılan 2284 sayılı Halk Banka sı ve Halk Sandıkları Kanunu ile kurulan Türkiye Halk Bankası 1938 yılında hizmet sunmaya başlamıştır.
VAKIFBANK TARİHÇESİ
1954 yılında, vakıf kaynaklarını ekonomik kalkınmanın ihtiyaçları doğrultusunda en iyi biçimde değerlendirmek amacıyla kurulan VakıfBank, o günden bu yana çağdaş banka cılık yöntemleri ve uygulamalarıyla Türkiye 'nin tasarruf düzeyinin gelişim sürecine katkıda bulunmaktadır. VakıfBank; "Güçlü Türkiye'nin Lider Bankası" olma vizyonu doğrultusunda, vakıf kültüründen aldığı güçle, kendisine emanet edilen varlık ve değerleri etkin ve verimli yöneterek müşteriler, çalışanlar, hissedarlar ve topluma kattığı değerleri sürekli artırma misyonuyla hareket etmektedir.
Kurumsal, ticari, KOBİ ve tarım bankacılığının yanı sıra bireysel ve özel bankacılık alanlarında da çağdaş bankacılık ürün ve hizmetleri sunan VakıfBank, özellikle bir alanda değil, tüm finansal alanlarda uzmanlaşmış, Türkiye'nin önde gelen bankalarından biridir.
Temel bankacılık ürün ve hizmetlerine ek olarak yatırım bankacılığı ve sermaye piyasası faaliyetlerinde de bulunan VakıfBank, iç ve dış ticaretin finansmanında öncü bir rol üstlenmektedir. Ayrıca, finansal iştirakleri aracılığıyla sigortacılıktan finansal kiralama ve factoring hizmetlerine kadar geniş bir yelpazede yer alan finansal ürünleri çağın gerektirdiği yüksek teknolojilerle müşterilerine sunmaktadır.
VakıfBank, bireysel ve kurumsal müşterilerine ülke çapına yayılan 900'ün üzerinde şubesinin yanı sıra ileri teknolojiyle desteklenen alternatif dağıtım kanalları aracılığıyla hizmet sunmaktadır. VakıfBank'ın ABD New York ve Kuzey Irak Erbil şubelerinin yanı sıra bir de Bahreyn'de kıyı bankacılığı şubesi vardır. Ayrıca, Avusturya'da VakıfBank International AG (Viyana Şubesi ve Almanya'da Köln Şubesi), KKTC'de Tasfiye Halinde World Vakıf UBB. Ltd. ve Kıbrıs Vakıflar Bank. Ltd. olmak üzere yurt dışında üç bankada da iştiraki bulunmaktadır. VakıfBank'ın diğer iştirakleri arasında; Güneş Sigorta A.Ş., Vakıf Emeklilik ve Hayat A.Ş., Vakıf Faktoring A.Ş., Vakıf Finansal Kiralama A.Ş., Vakıf Gayrimenkul Yatırım Ortaklığı A.Ş., Vakıf Menkul Kıymet Yat. Ort. A.Ş., Vakıf Portföy Yönetimi A.Ş., Vakıf Yatırım Menkul Değerler A.Ş. Vakıf Pazarlama San. ve Ticaret A.Ş., Taksim Otelcilik A.Ş., Vakıf Enerji ve Madencilik A.Ş., Vakıf Gayrimenkul Değerleme A.Ş. bulunmaktadır.