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Konut kredisi faiz oranları vatandaşların gündeminden düşmüyor. Kredi faiz oranları araştırılırken en uygun kredi veren bankalar tercih ediliyor. Faiz oranları şuan 1'in altında fakat 0.90'a düşmesi bekleniyor. En uygun kredi faiz oranını veren bankaları sayfamızda derledik. Konutta yüzde 1'in altında faiz ve 15 yıl vade beraberinde rekor getirdi. Eylülde 146 bin 903 konutla aylık bazda rekor kırıldı. Kredili satışlarda 4 katlık artış oldu. Kredi faizlerinin 1.5 yıl sonra ağustostan itibaren yüzde 1'in altına inmesiyle konut satışları hızlandı. Türkiye İstatistik Kurumu'nun (TÜİK) verilerine göre; geçen ay 146 bin 903 konut satıldı. İşte Ziraat Bankası , Halkbank ve Vakıfbank güncel konut kredisi faiz oranları
DETAYLAR İÇİN BİR SONRAKİ SAYFAYA TIKLAYINIZ
Konut kredisi faizi aylık yüzde 0.90'a kadar indi!
Faiz indirimleriyle, 60 ay vadeli 100 bin lira konut kredisi kullanan bir tüketicinin vade sonunda ödediği toplam tutar, eylül ayı başına göre, bankasına göre değişmekle birlikte 10-11 bin lira azalmış durumda. Önümüzdeki iki ayda Merkez Bankası'nın beklentiler doğrultusunda faiz koridorunda indirime gitmesiyle Ekim ayı başına göre 100 bin lira konut kredisi kullanan tüketicinin cebinde kalacak olan para tutarı 20 bin liraya kadar çıkabilecek. Faiz indirimlerinin konut sektörünü de hareketlendirmesi bekleniyor. Faizin yüzde 1.30'lardan 1'in altına inmesiyle sektörde bir hareketlilik gözlendiğini belirten uzmanlar, faizin 0.1 puan daha düşmesinin satışları hareketlendireceğini belirtiyor.
17 EKİM BANKALARIN GÜNCEL KREDİ FAİZ ORANLARI
ZİRAAT BANKASI FAİZ ORANLARI
KONUT KREDİSİ FAİZ ORANI: %0.99
TÜKETİCİ KREDİSİ FAİZ ORANI: %1,35
TAŞIT KREDİSİ FAİZ ORANI: %1,43
VAKIFBANK FAİZ ORANLARI
SARIPANJUR KONUT KREDİSİ FAİZ ORANI: %0,99
İHTİYAÇ KREDİSİ FAİZ ORANI: %1,35
AKBANK FAİZ ORANLARI
AKBANK KONUT KREDİSİ FAİZ ORANI: % 1,17
AKBANK İHTİYAÇ KREDİSİ FAİZ ORANI: % 1,71
GARANTİ BANKASI FAİZ ORANLARI
BİREYSEL İHTİYAÇ: % 1,76
KONUT: % 1,26
Yapı Kredi Bankası
Tutar: 100.000 TL
Vade: 120 Ay
Aylık Faiz Oranı: Yüzde 1,35
Aylık Taksit : 1.688 TL
Garanti BBVA
Tutar: 100.000 TL
Vade: 120 Ay
Aylık Faiz Oranı: Yüzde 1,36
Aylık Taksit: 1.695 TL
KONUT KREDİSİNDE REKOR İSTANBUL'DA
Konutta yüzde 1'in altında faiz ve 15 yıl vade rekor getirdi. Eylülde 146 bin 903 konutla aylık bazda rekor kırıldı. Kredili satışlarda 4 katlık artış oldu Kredi faizlerinin 1.5 yıl sonra ağustostan itibaren yüzde 1'in altına inmesiyle konut satışları hızlandı. Türkiye İstatistik Kurumu'nun (TÜİK) verilerine göre; geçen ay 146 bin 903 konut satıldı. Bu, tüm zamanların aylık konut satış rekoru anlamına geliyor.
Eylül 2018'de 127 bin konut satılmıştı. Geçen yılın aynı dönemine göre artış yüzde 15.4. Geçen ağustosta ise 110 bin konutun satışı olmuştu.
İpoteklide hızlı artış
Kredi faizleri yüksekken, ipotekli (kredili) satışlar dibe vurmuştu. Toplam satışlar içinde kredili satışların payı yüzde 5'lere kadar inmişti. Faizlerdeki düşüş, krediye yeniden ivme kazandırdı. Kredili satışlar, eylülde geçen yılın aynı ayına göre yüzde 410 (4 kat) artarak 57 bin 811'e yükseldi. Toplam konut satışları içinde ipotekli satışların payı yüzde 39.4 oldu.
Stoklar eriyor
Satışlardaki artışla birlikte konut stokları da erimeye başladı. REIDIN-GYODER Yeni Konut Fiyat Endeksi sonuçlarına göre; eylülde yüzde 5 olarak kaydedilen stok erime hızı, son bir yılın en yüksek düzeyinde gerçekleşti. Eylülde satışı gerçekleştirilen konutların yüzde 76'sı bitmiş, yüzde 24'ü bitmemiş konut stoğundan oluştu.
İstanbul ilk sırada
İstanbul 23 bin 265 konut satışıyla ilk sırada yer aldı. İstanbul'u 14 bin 906 konutla Ankara, 8 bin 830 konutla İzmir izledi. En az satış olan iller 19'ar konutla Hakkari ve Ardahan, 75 konutla Şırnak oldu. Yabancıya konut satışları rekor kırarken eylülde yüzde 25 azalarak 4 bin 177 oldu. Eylül ayında Irak vatandaşları Türkiye 'den 781 konut satın aldı. Irak'ı sırasıyla, 489 konut ile İran, 248 ile Rusya, 214 ile Suudi Arabistan ve 191 konut ile Kuveyt izledi.
865.473 adet: Bu yılın ilk 10 ayında satılan konut sayısı
1 milyon adet: Bu yılın ilk 10 ayında satılan konut sayısı.
Konut Kredilerinde Kamu Bankaları Yüzde 1'in Altında Faiz Uyguluyor
Kredilerdeki faiz oranı indirim trendi, özellikle konut kredilerinde oldukça yüksek seviyede oldu. Vatandaşın kolayca kira öder gibi ev sahibi olmasını sağlayan konut kredilerindeki güncel kredi faiz oranları için indirim uygulanması, anında gayrimenkul sektörüne olumlu şekilde yansıdı. Gayrimenkul satışlarında artışın yaşanmaya başladığı süreçte kamu bankaları tarafından konut kredisi güncel faiz oranları yüzde 1'in altında sunuluyor. İlk olarak Ziraat Bankası ve ardından da Halkbank ve Vakıfbank tarafından güncel konut kredisi faiz oranları %0.99 olarak belirlendi. Bu şekilde çok uzun bir süre sonra Türkiye 'de konut kredilerinde faiz oranı yüzde 1'in altına inmiş oldu. Vatandaşlar şimdi çekecekleri konut kredilerinde kamu bankalarını tercih etmeleri halinde 0.99 kredi oranı üzerinden faizlendirmeden faydalanabilecek. Konut kredisi faiz oranları indirimi özel bankalar tarafından da gerçekleştirildi. Ancak kamu bankalarının indirim değerleri özel bankalar tarafından yakalanabilmiş değil. Özel bankalar tarafından uygulanan konut kredisi güncel kredi faiz oranları ise 1.17 ile 1.99 aralığında değişiyor. Özel bankalar arasında en düşük konut kredisi faiz oranı 1.17 ile Akbank ve Türkiye İş Bankası tarafından uygulanıyor. En yüksek konut kredisi faiz oranı ise 1.99 ile Denizbank tarafından uygulanıyor.
KONUT KREDİSİ ALABİLMEK İÇİN GEREKLİ EVRAKLAR
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. 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 oranları nı 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.