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Güncel kredi faiz oranları için yapılan indirim furyası çerçevesinde kamu banka ları tarafından yapılan konut kredisine ilişkin faiz oranları, gayrimenkul sektöründe çok ciddi bir hareketliliği sağladı. Bu bağlamda konut kredisi faiz oranları için kamu bankalarında yakın zamanda yüzde 0,80 ile 0,85 bandının görülebileceğini iddia etti. Gazete'de yayımlanan "1.5 ayda 7.5 puan indirdi" başlıklı haberde Merkez Bankası tarafından yapılan faiz indirimi değerlendirilirken "MB'nin faiz indirimlerinin önümüzdeki hafta bankaların kredi faizlerine yansıması bekleniyor. Yaptığınız kredi başvurusu ön onay aldığında ikinci adım olarak gerekli belgelerle bankaya gitmeniz gerekir. Konut kredisi için banka tarafından nüfus cüzdanı, ikametgah ve gelir beyanı olmak üzere üç temel belge talep edilir. İşte 26 Eylül güncel kredi faiz oranları en son durum.
DETAYLAR İÇİN BİR SONRAKİ SAYFAYA GEÇİNİZ
Kamu Bankalarında Konut Kredisi Faizi Yüzde 1'in Altına İndi
Güncel kredi faiz oranları için yapılan indirim furyası çerçevesinde kamu banka ları tarafından yapılan konut kredisine ilişkin faiz oranları, gayrimenkul sektöründe çok ciddi bir hareketliliği sağladı. Çünkü konut kredisinde faiz indirimi ile birlikte çok uzun süredir %1' in altına hiç inmeyen faiz oranı son indirim müjdesi ile birlikte %1 altına indi. Halkbank , Ziraat Bankası ve Vakıfbank tarafından belirlenen indirimli güncel konut kredisi faiz oranları 0.99 olarak belirlendi. Böylelikle vatandaşların çok daha düşük faiz oranları üzerinden konut kredisi çekerek, ev sahibi olmalarına yardımcı oluyor. Konut kredisi faiz indirimi oranları özel bankalarda ise değişkenlik gösteriyor. Ancak Merkez Bankası'nın faiz indirim kararı ile birlikte özel bankalar tarafından sunulan kredilere ilişkin olarak da faiz indirimi söz konusu. Son konut kredisi faiz indirimiyle birlikte özel bankalardaki konut kredisi faiz oranları ise;
İş Banka sı %1.17,
Garanti Bankası %1.26,
TEB %1.15,
Akbank %1.17,
Denizbank %1.99,
Yapı Kredi %1.36,
Finansbank %1.57,
Şeklinde oldu.
İhtiyaç Kredisi ve Taşıt Kredisi İçinde Faiz İndirimi
Kamu ve özel banka lar tarafından gerçekleştirilen güncel kredi faiz oranları indirimleri taşıt kredilerini ve ihtiyaç kredi lerini de kapsamına aldı. Çok önemli oranda faiz oranı düşüşünün yaşandığı kredi sektöründe taşıt kredisi veya ihtiyaç kredisi çekmek isteyen vatandaşlarda, düşük faiz oranlarından faydalanabiliyor. Kamu bankalarında ihtiyaç kredisi güncel faiz oranları 1.35 olarak belirlendi. Vatandalar kamu bankalarına başvuruda bulunarak %1.35 üzerinden ihtiyaç kredisi çekebiliyor. Özel bankalarda ise ihtiyaç kredisi güncel faiz oranları 1.25 ile 1.80 aralığında değişiyor. Özel bankalar arasında ihtiyaç kredisi için en düşük faiz oranı Türkiye Ekonomi Bankası (TEB ) tarafından verilen %1.25 faiz oranı oldu.
En yüksek ihtiyaç kredisi faiz oranı ise %1.76 faiz oranı ile Garanti Bankası tarafından uygulanıyor. Taşıt kredisi güncel faiz oranları kamu bankaları arasında farklılık gösteriyor. Taşıt kredisi için Halkbank 1.42 şeklinde bir faiz oranı uygularken, Ziraat Bankası 1.43 faiz oranını uyguluyor. Vakıfbank ise 1.13 ile kamu bankaları ve hatta tüm bankalar arasında taşıt kredisi için kredi faiz indirim furyası ile birlikte en düşük faiz oranını sunan banka oldu. Özel bankalarda ise taşıt kredisi faiz oranları 1.25 ile 1.77 aralığında değişiyor. Tıpkı ihtiyaç kredisinde olduğu gibi taşıt kredisinde de özel sektörün en düşük faiz oranı 1.25 ile Türkiye Ekonomi Bankası tarafından veriliyor. En yüksek taşıt kredisi oranı ise 1.77 ile Denizbank tarafından veriliyor.
KONUT KREDİSİ FAİZ ORANLARI 0,80 İLE 0,85'E DÜŞEBİLİR
Konut kredisi faiz oranları için kamu banka larında yakın zamanda yüzde 0,80 ile 0,85 bandının görülebileceğini iddia etti. Sabah'ta yayımlanan "1.5 ayda 7.5 puan indirdi" başlıklı haberde Merkez Bankası tarafından yapılan faiz indirimi değerlendirilirken "MB'nin faiz indirimlerinin önümüzdeki hafta bankaların kredi faizlerine yansıması bekleniyor.
Gazete'de yayımlanan "1.5 ayda 7.5 puan indirdi" başlıklı haberde Merkez Bankası tarafından yapılan faiz indirimi değerlendirilirken "MB'nin faiz indirimlerinin önümüzdeki hafta bankaların kredi faizlerine yansıması bekleniyor. 25 Temmuz'daki 4.25 puanlık faiz indiriminden sonra kamu bankaları öncülüğünde faiz indirimi süreci başlamıştı. Kamu bankaları mevduat faizlerini yüzde 14-15'e, ticari kredi faizlerini yüzde 17'ye çekmişti. Konut kredisinde ise faiz oranları yüzde 0.99'a gerilemişti. 30 Ağustos itibarıyla özel bankaların ihtiyaç kredi si faiz oranları yüzde 22, konut kredisinde 12.88, ticari kredide 20.28, tüketici kredisinde ise 19.28 seviyesinde... Bankacılar, önümüzdeki günlerde önce mevduat faizlerinde 1-2 puanlık bir indirim olacağını ardından da kredi faizlerinin düşeceğini belirtiyor. Konut kredisinde yıllık ortalama faizinin yüzde 10-11'e, ticari kredide ise yüzde 20'nin altına inmesi bekleniyor. Kamu bankalarının konut kredi faizlerini yüzde 0.80-0.85'e indirebileceği söyleniyor" diyerek bankacılara göre faiz indiriminin yakın olduğu bilgisi paylaşıldı.
DİĞER FAİZ ORANLARI İLE KONUT KREDİSİ VEREN BANKALAR
TEB Konut Kredisi Faiz Oranı % 1.15
Albaraka Türk Konut Finansmanı % 1.19
Yapı Kredi Banka sı Konut Kredisi Faiz Oranı % 1.26
Garanti Bankası Konut Kredisi Faiz Oranı % 1.26
ING Bank Konut Kredisi Faiz Oranı % 1.29
Vakıf Katılım Bankası Konut Kredisi Faiz Oranı % 1.29
QNB Finansbank Konut Kredisi Faiz Oranı Yüzde 1.29
Alternatif Bank Konut Kredisi Faiz Oranı % 1.30
Türkiye Finans Katılım Bankası Konut Kredisi Faiz Oranı % 1.33
ICBC Bank Konut Kredisi Faiz Oranı % 1.36
Denizbank Konut Kredisi Faiz Oranı % 1.37
Fibabanka Konut Kredisi Faiz Oranı % 1.49
Şekerbank Konut Kredisi Faiz Oranı % 1.49
HSBC Bank Konut Kredisi Faiz Oranı % 1.99
KONUT KREDİSİ ALABİLMEK İÇİN GEREKLİ EVRAKLAR
Yaptığınız kredi başvurusu ön onay aldığında ikinci adım olarak gerekli belgelerle banka ya gitmeniz gerekir. Konut kredisi için banka tarafından nüfus cüzdanı, ikametgah ve gelir beyanı olmak üzere üç temel belge talep edilir. Düzenli bir geliriniz olması halinde başvurunuzun onaylanması ihtimali oldukça yüksektir. (takvim.com.tr) Daha önceki kredi borcu nedeniyle hakkında banka takip kararı olan kişiler ise kredi alamazlar. Konut kredilerinde ipotek uygulaması söz konusu olduğu için kefil istenmez. Eğer başvuran kişi yeterli bir gelire sahip değilse o zaman kefil uygulaması devreye girebilir.
KONUT KREDİSİ NEDİR?
Konut kredisi, satın alınacak evin teminat altına alınması koşuluyla bankalar tarafından verilen bir kredi türü. Kredinin vadesi genellikle sabit faiz oranlarıyla 5 ila 30 yıl arasında değişebiliyor. Konut kredisine başvurmak için satın almak istediğiniz konuta karar verdikten sonra kredi imkanları sunan bankaları araştırmanız gerekir. Sizin için en uygun faiz oranlarını sunan bankaları araştırmanız ve başvurmanız gerekecektir. Kredi başvurunuz onaylandıktan sonra artık devreye gayrimenkul değerlendirme uzmanları giriyor.
Uzmanlar, satın almak istediğiniz evin değerini belirledikten sonra, evin değerinin dörtte birini peşinat ödemesi olarak vermeniz gerekir. Yasalar gereği, belirlenen ekspertiz değerinin %70-75'ine kadar konut kredisi verilebiliyor. Evin kalan %25'lik ücreti içinse peşinatınız olması gerekir. Sözleşmeniz süresince belirlenen faiz oranı ve vade üzerinden aylık olarak ödemelerinizi gerçekleştirebilirsiniz.