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Halkbank , Vakıfbank ve Ziraat Banka sı konut kredisi faiz oranları 0,64 oranına çekilirken, taşıt kredisi için faiz oranları sıfır araçlarda 0,49-0,69 arası, ikinci el araçlarda ise 0,82 olacak. Bununla birlikte aynı şartlarda kamunun iki katılım bankası olan Ziraat Katılım ve Vakıf Katılım bankaları da müşterilerine finansman sağlıyor. Sıfır konutlarda 12 ay geri ödemesiz 180 aya kadar vadeli konutların satışında faiz oranı yüzde 0.64 oldu. İkinci el konut satışlarında ise yine 12 ay geri ödemesiz ve 180 ay vade ile faiz oranı yüzde 0.74 oldu. Sosyal hayatı destek kredi paketi (Tüketici kredisi) faiz oranları ise 0,55 ile 0,82 arası değişecek. Tatil kredi faiz oranları ise 0,67 oranında olacak. İşte Halkbank, Vakıfbank ve Ziraat Bankası kredi faiz oranları hesaplaması ve başvuru şartları... İşte son dakika haberi ve detaylar takvim.com.tr 'de
750 BİN LİRAYI AŞMAYACAK
Vakıfbank, Halkbank ve Ziraat Banka sı'ndan yapılan ortak açıklamaya göre konutta kredi miktarı sınırlandırılmış olup; üç büyük ilde (İstanbul, Ankara ve İzmir) krediye konu olacak konutlar için 750 bin TL, diğer şehirler için ise en fazla 500 bin TL'ye kadar kredi kullandırılacak. Kredi kullanımında yüzde 10'dan başlayan, düşük özkaynak/peşinat oranı uygulanacak.
NE ZAMAN BAŞVURU YAPILACAK?
Konut kredisi başvuruları 2 Haziran'dan itibaren, Taşıt Kredisi Paketi için başvurular 5 Haziran'dan itibaren, Sosyal Hayatı Destek Kredisi Paketi başvuruları 5 Haziran'dan itibaren kamu banka ları şubelerinden yapılabilecek. Tatil Destek Kredi Paketi'ne başvuru tarihi ve kanalı ise bu hafta içerisinde açıklanacak.
TAŞITTA FAİZ YÜZDE 0.49 OLACAK
Yerli üretim yapan anlaşmalı firmalardan sıfır km binek araç (motosiklet dahil) veya ticari araç satın alacak bireysel/kurumsal müşterilere firmalar ile yapılan anlaşmalar bazında değişmek üzere aylık %0,49 – %0,69 faiz oranı ile taşıt kredisi imkanı sunulacak.
İKİNCİ EL TAŞIT KREDİSİ ORANLARI
İkinci el binek araç (motosiklet dahil) veya ticari araç satın alacak bireysel/kurumsal müşterilere %0,82 faiz oranı ile taşıt kredisi imkanı sunulacak. Azami 6 ay ödemesiz toplam azami 60 ay vadeli 2. el binek otomobil ve ticari taşıt kredilerinde azami limit 150 bin TL olacak.
Kredi tutarı kasko değeri üzerinden özkaynak/yabancı kaynak üzerinden hesaplanacak olup, 7 yaşa kadar olan taşıtlar kredilendirilecek.
SIFIR KONUT 12 AY ÖDEMESİZ KREDİ TABLOSU
Birinci el/sıfır veya ikinci el konut alımlarında düşük faiz oranı ve 12 aya kadar ödemesiz dönemi olan 15 yıla varan vade ile finansman imkanı sunulacak.
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
100.000
12+168=180
1.019
171.184
Sıfır konut için eşit taksitli örnek ödeme tablosu:
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
100.000
180
937
168.709
İkinci el konut için 12 ay ödemesiz örnek ödeme tablosu:
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
100.000
12+168=180
1.095
183.925
İkinci el konut için eşit taksitli örnek ödeme tablosu:
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
100.000
180
1.007
181.285
Konut kredisi başvuruları 2 Haziran'dan itibaren banka şubelerinden yapılacak.
EN FAZLA 7 YAŞINDA 2. EL ARACA VERİLECEK
Kredi tutarı kasko değeri üzerinden özkaynak/yabancı kaynak üzerinden hesaplanacak olup, 7 yaşa kadar olan taşıtlar kredilendirilecek.
Binek otomobil örnek ödeme tablosu:
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
50.000
6+54=60
1.253
67.647
Ticari taşıt örnek ödeme tablosu:
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
50.000
6+54=60
1.223
66.043
Taşıt Kredisi Paketi için başvurular 5 Haziran'dan itibaren banka ların şubelerinden yapılabilecek.
SOSYAL HAYATI DESTEK KREDİ PAKETİ
Firma Katkı Paylı Tüketici Kredisi
Bireysel müşterilerin sosyal ihtiyaçlarının finansmanının uygun şartlarda sağlanmasının yanı sıra yerli üretim yapan mobilya, elektronik, beyaz eşya, ev boya-seramik-kapı ve pencere sistemleri, ev tekstil, çeyiz ve bisiklet sektörlerini desteklemek amacıyla;
Yerli üretim yapan firmalar ile anlaşmalar yapılacak ve asgari 3.000 TL, azami 30.000 TL kredi tutarı ile 6 ay ödemesiz azami 60 ay vade, aylık %0,55 faiz oranı ile finansman imkanı sunulacak. Anlaşma yapılan firmalar banka ların internet sitesinde yayınlanacak.
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
10.000
6+6=12
1.771
10.628
10.000
6+30=36
382
11.452
10.000
6+54=60
228
12.316
Faturalı Tüketici Kredisi
Bireysel müşterilerin, anlaşmalı firmalar dışındaki yerli üretim yapan firmalardan satın alacağı mobilya, kahverengi küçük ev aletleri, ev boya-seramik-kapı ve pencere sistemleri ev tekstil, çeyiz ve bisiklet ihtiyaçlarının uygun şartlarda sağlanması amacıyla;
Asgari 3.000 TL, azami 30.000 TL kredi tutarı fatura karşılığı 6 ay ödemesiz azami 60 ay vade ile aylık %0,82 faiz oranı ile finansman imkanı sunulacak.
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
10.000
6+6=12
1.823
10.938
10.000
6+30=36
406
12.188
10.000
6+54=60
251
13.529
TATİL DESTEK KREDİ PAKETİ
Tatil yapmak isteyen ve ilgili banka aracılığı ile maaş alan emekli ve çalışan müşterilerin tatil ve seyahat giderlerinin finansman ihtiyacının uygun şartlarda sağlanmasının yanı sıra, turizm sektörünü desteklemek amacıyla;
Kamu bankalarıyla anlaşma yapacak seyahat acentelerine tatil paketi satın almak için başvuran müşterilerimize 10.000 TL'ye kadar 6 ay ödemesiz 36 ay vade ile uygun şartlarda finansman imkanı sunulacaktır. Söz konusu kredinin 1. ve 2. taksitleri ilgili firma ve banka tarafından ödenecek; müşterilerin taksit ödemesi 9 ay sonra başlayacak. Bu kapsamda müşterilerin kullanacağı kredinin faizi aylık %0,67 oranına denk geliyor.
Kredi Tutarı (TL)
Kredi Vadesi (Ay)
Taksit Tutarı (TL)
Toplam Geri Ödeme (TL)
10.000
6+30(*)=36
421
11.789
KREDİ KARTINA ÖZEL DESTEK PAKETİ
Bunun yanında Seyahat acenteleri ile yapılacak anlaşmalarla tatil paketlerini, kredi kartlarıyla 3 ay ödemesiz, devamında 15 taksitle ödeme ile toplam 18 ay peşin fiyatına, faizsiz satın alma imkanı sağlanacak. Üye işyeri kampanya anlaşması yapılan firmalar bankaların web sitesinde yayımlanacak.
HALKBANK KREDİ FAİZ HESAPLAMALARI İÇİN TIKLAYINIZ
VAKIFBANK KREDİ FAİZ ORANLARI İÇİN TIKLAYINIZ
ZİRAAT BANKASI KREDİ FAİZ HESAPLAMA İÇİN TIKLAYINIZ
Ev alacaklar dikkat! Konut kredisindeki bu faizler en son 10 yıl önce görüldü!
Ziraat Banka sı, Vakıfbank, Halkbank , İstanbul, Ankara ve İzmir için 750 bin liraya kadar, diğer iller için ise 500 bin liraya kadar kredi vermeye başladı. Bununla birlikte aynı şartlarda kamunun iki katılım bankası olan Ziraat Katılım ve Vakıf Katılım bankaları da müşterilerine finansman sağlıyor.
Sıfır konutlarda 12 ay geri ödemesiz 180 aya kadar vadeli konutların satışında faiz oranı yüzde 0.64 oldu. İkinci el konut satışlarında ise yine 12 ay geri ödemesiz ve 180 ay vade ile faiz oranı yüzde 0.74 oldu. Bunun yanında tahsis ücreti olarak ise kamu bankaları sadece 500 lira ücret talep ediyor. Sıfır konut almak isteyenler 100 bin lira için 180 ayda bankaya her ay 937 lira taksit ödemesi gerekiyor. İkinci el konutta ise 100 bin liraya 180 ay için her ay 1007 lira ödeme çıkıyor.
ORANLAR ÇOK AVANTAJLI
Beylikdüzü ve Esenyurt bölgesinde emlak uzmanı olan Zümrüt Keçici kamu banka larının sunduğu faiz oranının çok düşük olduğunu, bu oranların yaklaşık 10 yıl önce görüldüğünü ve ev almak isteyenlerin kampanya sonra ermeden kararını verip satın almada bulunmasının faydalı olacağını söyledi.
Kamu bankalarından çekilecek kredinin yanında tapu ve emlak komisyonunun da ödeneceğini hatırlatan Emlak Uzmanı Zümrüt Keçici, "Tapu harcı binde 4 olarak alınıyor. Alıcı ve satıcı bunu ayrı ayrı olarak ödüyor. Ancak bu işlemdeki harç genelde alıcı tarafından ödeniyor. Örneğin 300 bin liralık bir dairenin toplam tapu harcı 12 bin lira çıkıyor. Bunun 6 bin lirasını alıcı, 6 bin lirasını satıcının ödemesi gerekiyor. Ev emlakçıdan alındıysa da yüzde 2 oranında hem alıcıdan hem satıcıdan komisyon alınıyor. Fakat vatandaşların daha rahat ev sahibi olması için emlakçı komisyonunda indirimler sunuluyor" dedi.
ÖZEL BANKALAR DA FAİZ İNDİRİME GİTMEYE BAŞLADI
Kamu bankalarının çok uygun faizle konut kredisi kullandırmaya başlamasına yönelik olarak Keçici "Bazı özel bankalar kamu bankalarıyla faiz oranlarını aynı tutmaya başladı. Kamu bankalarının kampanya başlatmasından önce yüzde 0.79 oranında konut kredisi sağlayan bankalar ikinci el konutlarda faizleri yüzde 0.74'e çekmeye başladı." açıklamasında bulundu.
EV ALACAKLARA TAVSİYE
Yeni ev alacaklara tavsiyede bulunan Keçici "Sıfır ev alma imkanı olmayanlar çok eski evlere rağbet göstermemeli. Eski evlerin bakım ve tamir masrafları sorun oluşturabiliyor. Kentsel dönüşüme girmesi durumunda müteahhitler neredeyse ev yapım maliyeti kadar para talep ediyor. Bu durumda hem kredi ödemesinin olması hem de müteahhite ödeme yapılacak olmasından dolayı ekstra maliyetlere katlanılıyor. Bunun önüne geçmek için 1999 depremi sonrası yeni yapıların tercih edilmesinde fayda var" açıklamasında bulundu.
YATIRIM AMAÇLI SATIN ALMADA NELERE DİKKAT EDİLMELİ?
Yatırım için alınmak istenen daireler için ise Keçici "Alınacak ev kiraya verilecek ve yatırım değeri taşıması için alınıyorsa kira ve seçilen konutun bölgesinin iyi olması gerekiyor. Sosyal alanlara yakınlığı, metro, metrobüs gibi ulaşım imkanlarına yakın olan evlerin değeri her geçen gün artıyor. Ayrıca bu imkanlara sahip konutlara da daha kolay kiracı bulunabiliyor. Ulaşım projelerinin olduğu bölgelere yatırım yapılması hem kira getirisini yükseltecektir hem de her geçen yıl evin değeri artmış olacaktır. Kiraya verilmek için bile alınsa yine de yeni konutların tercih edilmesi menfaat sağlayacaktır" dedi.
KREDİ VADESİ NE KADAR DÜŞÜKSE O KADAR AZ FAİZ ÖDENİR
"Konut kredilerinde uzun vadelerde ödenecek olan faiz miktarı da artmış oluyor. 60 ayla 180 ay arasında faiz açısından uçurum bulunuyor. Ödeme imkanı olanların kredi vadesi ni kısa tutup ne kadar çok ödeyebiliyorsa kendileri açısından avantaj sağlayacaktır." açıklamasında bulundu.
SAHTE KOMİSYONCULARA DİKKAT EDİN
Emlakçılara ilişkin olarak da işin uzmanı emlakçılarla çalışılması gerektiğini söyleyen Keçici sözlerine şöyle devam etti:
"Emlakçılığa ilişkin olarak sertifikaların alınması gerekiyor. Büyük firmalar dışında sertifika alan emlakçı neredeyse yok denecek kadar az. Kendim Türkiye'de sertifikayı alan ilk emlak uzmanlarından biriyim. Bu konuda denetimlerin olmaması nedeniyle hemen herkes emlakçılık yapabiliyor. Bazı sitelerde güvenlik görevlileri, bina görevlileri komisyon karşılığında ev alım-satımına aracılık ediyor. Böyle işleyen sistemlerde aldatılma ihtimali çok yüksek oluyor. Bunun için sabit işyeri olan ve emlakçılığı meslek edinmiş uzmanlardan danışmanlık alınması önem kazanıyor."