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Şubat ayında konut kredisi faiz oranlarında büyük düşüşler yaşanıyor. QNB Finansabnk, DenizBank, İCBC ve Halkbank Konut Kredisi faiz oranlarını düşürdüğünü duyurdu. Peki en uygun konut kredisi hangi banka da? Şubat ortası konut kredisi çekeceklere ve ev almak isteyenlere büyük müjdeli haberler ardı ardına geldi. Halkbank 1. el konut lar için aylık 0.79 faiz oranıyla birlikte kredi kullandıracak. Piyasadaki en düşük konut kredisi olan Halkbank hesaplı evim ile binlerce kişiyi ev sahibi yapacak. Konut kredisi kısa sürede birikim yapmadan ev sahibi olmak için en fazla tercih edilen yöntemlerden bir tanesidir. Konut kredisi sayesinde çok fazla kişi ev sahibi olmuştur.
DETAYLAR İÇİN BİR SONRAKİ SAYFAYA TIKLAYINIZ
Bankalar Kredi Faiz İndirimlerine Devam Ediyor
Uzmanlar yeni yılda faiz lerin düşmeye devam edeceğine dair sinyallerin olduğunu belirtirken, vatandaşlar da internet üzerinden tüm banka ların güncel kredi faiz oranları hakkında detaylı bilgilere ulaşmak istiyor. İşte Garanti BBVA, Ziraat, Halkbank , Vakıfbank, Yapı Kredi ve diğer kamu ve özel bankaların güncel ihtiyaç, taşıt ve konut kredilerinde uygulanan faiz oranları... Acil nakit ihtiyaçlarını karşılamak, taşıt ya da konut almak için bankaların güncel kredi kampanyalarını yakından takip eden vatandaşlar aynı zamanda bankalar arasındaki faiz indirim yarışında son durumun ne olduğunu da merak ediyor. Kredi faiz oranları hakkında araştırmalarını hızlandıran vatandaşlar, son dönemde kamu bankaları tarafından başlatılan kredi faiz oranı indirimleri ile bankalardan ihtiyaç, taşıt ve konut kredisi kullanmaya devam ediyor.
Halkbank Hesaplı Evim 1. El Konut Kredisi Kampanyası
Konut Kredisi faiz oranların en büyük değişim Halkbank tarafından sağlandı. Halkbank 1. el konut lar için aylık 0.79 faiz oranıyla birlikte kredi kullandıracak. Piyasadaki en düşük konut kredisi olan Halkbank Hesaplı Evim binlerce kişiyi ev sahibi yapacak.
Devlet Bankaları iyice düşürdü!
Kredi Faiz oranları düşmeye devam ediyor. Kamu bankaları Halkbank, Ziraat Bankası, Vakıfbank ve Ziraat Katılım Bankası Konut Kredisinde 0.79 kredi kullandırıyor. En çok dikkat çeken Halkbank'ta Hesaplı Evim 1. El Konut kredisi rekor kırıyor. 0.79 faiz oranıyla satılacak Halkbank Konut Kredisinde, 250.000 TL tutarlı 15 yıl vadeli ev için 2600 TL ödeme ve 469.000 TL geri ödeme fırsatı sunuyor. 15 yıl vadeli nadir konut kredilerinden biri Halkbank'tan çekebilirsiniz.
Özel Bankalar ne durumda?
Ocak ayı sonunda bir çok banka Konut Kredisi Faiz indirimi gerçekleştiriyor. Bankaların faiz oranları indirimleri hız kesmeden devam edecek gibi görünüyor. Toparlanma ve ekonomiye güven artması nedeniyle bankalar ve konut sektörü canlanması açısından bir çok indirim geliyor.
Taşıt, İhtiyaç ve Konut Kredisi Faizleri düştü
Taşıt Kredisi nde en düşük faiz 0.49 bulunurken İhtiyaç Kredisi nde 0.89'a ve Konut kredisinde 0.79 kadar oranlar gerilemiş durumda.
QNB Finansbank Konut Kredisi Faiz Oranları!
QNB Finansbank, konut kredisi aylık faiz oranı %1.04'e düşürdü. 120 ay vadeye kadar QNB Finansbank Konut Kredisi kullandırıyor.
Denizbank Konut Kredisi Faizleri düşürdü!
Özel banka lar arasında Denizbank kredi faiz oranları 1.39'dan 1.09'a kadar düşürdü. Denizbank 15 yıl vadeyle konut kredisi veren bankalar arasında yerini aldı.
OCBC Konut Kredisi Faizleri ne kadar?
ICBC Kampanyalı yeni evim konut kredisi faizlerini 1.01'e kadar düşürdü. Yeni yılın en düşük oranıyla yeni ev alacaklara ICBC Konut Kredisi faizleri oldukça uygun.
Ortalama 150.000 TL Konut Kredisi çekecekler için aylık taksit tutarı 3150 TL düşerken, toplam geri ödeme 189.000 TL yapılır. Konutta bu indirimler için kaçınılmaz fırsat olarak görünüyor.
Diğer bankaların güncel kredi faiz oranlarını öğrenmek için bir sonraki sayfaya geçiniz...
VAKIFBANK FAİZ ORANLARI
Sarı Panjur konut kredisi: 0.95 İhtiyaç kredisi : 1.12 Taşıt kredisi : 1.05
ZİRAAT BANKASI FAİZ ORANLARI
Tüketici kredisi: 1.12 Taşıt kredisi: 1.02 Konut kredisi: 0.99
TEB KREDİ FAİZ ORANLARI
Taşıt kredisi: 0.97 Konut kredisi: 0.99 İhtiyaç kredisi: Vadeye göre 1.02 ve 0.98 arasında değişkenlik gösteriyor
HALKBANK FAİZ ORANLARI
İhtiyaç kredisi : 1.15 Taşıt kredisi : 1.02 Konut kredisi: 0.99
VAKIFBANK FAİZ ORANLARI
İhtiyaç Kredisi: 1.12 Konut Kredisi: 0.99 Taşıt Kredisi: 1.05
AKBANK FAİZ ORANLARI
Direkt kredi: 1.49 İhtiyaç kredisi: 1.45 Taşıt kredisi: 1.07 Konut kredisi: 0.95
İŞ BANKASI FAİZ ORANLARI
İhtiyaç kredisi : 0.99 Taşıt kredisi : 0.97 Ev kredisi: 0.95
GARANTİ BANKASI FAİZ ORANLARI
İhtiyaç kredisi: 1.09 Konut kredisi: 0.99 Taşıt kredisi: 1.14
YAPI KREDİ FAİZ ORANLARI
Konut kredisi: 1.05 Taşıt kredisi: 1.09 Bireysel ihtiyaç kredisi: 1.59
QNB FİNANSBANK FAİZ ORANLARI
İhtiyaç kredisi: 0.89 Konut kredisi: 1.23 Taşıt kredisi: 1.45
DENİZBANK FAİZ ORANLARI
İhtiyaç kredisi: 1.59 Tüketici kredisi: 1.59 Taşıt kredisi: 1.11
KONUT KREDİSİ NASIL ALINIR?
Konut kredisi kısa sürede birikim yapmadan ev sahibi olmak için en fazla tercih edilen yöntemlerden bir tanesidir. Konut kredisi sayesinde çok fazla kişi ev sahibi olmuştur. Fakat bu kredi türünü kullanmak için banka nın gerekli gördüğü bazı şartları sağlamanız gerekmektedir. Öncelikle konut kredisi çekmek istediğiniz ev krediye uygun bir durumda olmalıdır. Aksi takdirde konut kredisi başvurunuz onaylanmaz. Çünkü bankalar verdikleri kredi karşılığında evi ipotek altına alırlar. Bu şartla müşteriye kredi verirler. Bankalar kredi miktarını evin belirlenen fiyatının %80'i olarak belirlemiştir. Yani asla alacağınız evin fiyatının tamamını kredi olarak çekemezsiniz. Zaten konut kredisi verileceği zaman ekspertiz eşliğinde evin değeri banka tarafından hesaplanır. Verilecek kredi miktarı da o zaman belirlenir. Diğer bir en önemli şart kredi başvurusu yapan kişinin kredi notunun iyi bir düzeyde olmasıdır. Çünkü bankaların başvuran kişiler hakkında ilk başta dikkat ettikleri nokta kredi notudur.
Eğer kredi notunuz düşük ise bankalardan kredi alma ihtimaliniz çok düşüktür. Bu yüzden bankalarla olan ilişkilerinizi iyi tutmanız yani ödemelerinizi aksatmadan yapmanız gerekmektedir. Konut kredisinde geri ödeme planı çok önemlidir. Çünkü ev bankaya ipotekli olduğundan herhangi bir ödememe durumunda ev bankanın malı olacaktır. Bu yüzden ödeme planını iyi oluşturmak gerekir. Konut kredilerinde vade genelde 5-10 yıl arasıdır. Bu vade seçenekleri gayet uzun bir süredir ve bu süreler arasında uygun bir ödeme planı oluşturabilirsiniz. Böylelikle ödemeleri aksatmaz ve evin riske girmemesini sağlarsınız. Almayı düşündüğünüz evin tapusu, nüfus cüzdanı fotokopisi ve gelir belgesi gibi evraklar ile konut kredisine başvurabilirsiniz.