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Katılımcı sayısının 250 bini aştığı faiz siz konut sistemi yasal düzenleme ile güvence altına alınacak. Hazine ve Maliye Bakanı Lütfü Elvan , "Sektörü disipline etmek adına çalışma yapılıyor" dedi. Yüksek faiz oranları sebebiyle birçok kişi faizsiz ve taksitle ev nasıl alınır konusunda araştırma yapmakta. Tasarrufla Ev anlayışıyla hizmet veren birçok firma, müşteriye vade süresini belirleme olanağı sunarak ev sahibi olma olanağı sağlamaktadır. Tasarrufla Ev sistemindeki bireylerin firmaya güven duyması gerekmektedir. Peki konut kredisi faiz oranları son dakika ne oldu? Faizsiz ev nasıl alınır? Faizsiz ev almak isteyenlere devlet güvencesi detayları nedir?
50 BİN KATILIMCI VAR
Faiz hassasiyeti bulunan ya da banka kredisindeki ek faiz maliyetini yüklenmek istemeyenlerin ilgi gösterdiği bu sistemin toplam konut satışlarından aldığı pay yüzde 15'e ulaşırken, yasal güvenceyle bu payın ikiye katlanması öngörülüyor. Sektörde faaliyet gösteren şirket sayısı 40'a yaklaşırken, katılımcı sayısının da 250 bin civarında olduğu tahmin ediliyor.
Ekonomi ile hukuk arasındaki ilişkiye büyük önem verdiklerinin altını çizen Elvan, "Ortak akılla gerekli düzenlemeleri yapacağız. İstişareye sonuna kadar açık olacağız. Kapılarımız 24 saat tamamen açık olacak" dedi.
FAİZSİZ KONUT SİSTEMİ NEDİR?
Türkiye genelinde milyonlarca kişi konut fiyatlarının astronomik seviyede artış göstermesi, konut kredisi faiz oranlarının yüksek olması sebebiyle altenatif çözümler aramaya koyuldu. Tasarrufla Ev firması sistemi içerisinde yer alan herhangi bir seçenekten yararlanılarak ev satın alma talebinde bulunulabilmektedir. Firmanın Türkiye genelindeki ofislerine başvuruda bulunup, form doldurup veya firmayla doğrudan irtibata geçilerek detaylı bilgi alınabilmektedir. Üstelik yalnızca ev değil, işyeri veya arsa satın alma olanağı da sağlanmaktadır. 20-480 kişilik gruplar içerisinden herhangi birine dahil olunmak suretiyle ev satın alınmaktadır.
Tasarrufla Ev şirketi, Birevim şirketine ait bir marka olmakla birlikte, marka bünyesindeki sistemlerin tamamı yine Birevim tarafından sunulmaktadır. Sağlanan hizmetlerle müşterilere büyük olanaklar sağlanmakta ve gayrimenkul sektöründe önemli işlere imza atılmaktadır. Türkiye genelinde birçok kişi en uygun maliyet rakamlarıyla konut satın alabilmektedir. Satın alma sürecinde ev satın almak isteyen birey taksit ve bütçe planlaması yaparak ve dilediğinde yeniden yapılandırma talep ederek ev sahibi olabilmektedir.
19 KASIM 2020 PERŞEMBE BANKALARIN GÜNCEL İHTİYAÇ KREDİSİ FAİZ ORANLARI
Vatandaşlar, koronavirüs salgınından dolayı bankalara gitmeden önce güncel konut kredisi faiz oranlarını araştırmaya başladı. Koronavirüs salgınından dolayı sürekli güncellenen en uygun konut kredisi faiz oranlarını araştıran vatandaşlar, bütçelerine göre en uygun ihtiyaç kredisi veren bankadan kredi çekmek istiyor. Pandemi sürecinden dolayı kredi çekmek isteyen vatandaşların talepleri, bankaların kredi faiz oranlarını sürekli güncellemelerine neden oldu.
ZİRAAT BANKASI KONUT KREDİSİ FAİZ ORANLARI!
Ziraat Bankası tüm müşterilerine Konut Kredisi kapsamında Çalışanın Artısı Konut Kredisi, Emeklinin Artısı Konut Kredisi, Konut Kredisi, Konut Ürün Paketi , Sıfır Konut Kredisi ve Toki Sosyal Konut Kredisi Paketi ile farklı faiz oranları ve şartlar kredi imkanı sunuyor. İşte kredi paketlerinin faiz oranları;
Ziraat Bankası Çalışanın Artısı Konut Kredisi
Ziraat Bankası Çalışanın Artısı Konut Kredisi kapsamında tüm müşterilerine 1,35 faiz oranları ile 180 aya varan vade seçenekleri ile Konut Kredisi veriyor.
Ziraat Bankası Emeklinin Artısı Konut Kredisi
Ziraat Bankası Emeklinin Artısı Konut Kredisi kapsamında tüm müşterilerine 1,35 faiz oranları ile 180 aya varan vade seçenekleri ile Konut Kredisi veriyor.
Ziraat Bankası Konut Kredisi
Ziraat Bankası Konut Kredisi kapsamında tüm müşterilerine 1,35 faiz oranları ile 180 aya varan vade seçenekleri ile Konut Kredisi veriyor.
Ziraat Bankası Konut Ürün Paketi
Ziraat Bankası Konut Ürün Paketi kapsamında tüm müşterilerine 1,35 faiz oranları ile 180 aya varan vade seçenekleri ile Konut Kredisi veriyor.
Ziraat Bankası Sıfır Konut Kredisi
Ziraat Bankası Sıfır Konut Kredisi kapsamında tüm müşterilerine 1,25 faiz oranları ile 180 aya varan vade seçenekleri ile Konut Kredisi veriyor.
Ziraat Bankası Toki Sosyal Konut Kredisi Paketi
Ziraat Bankası Toki Sosyal Konut Kredisi Paketi kapsamında tüm müşterilerine 0,49 faiz oranları ile 240 aya varan vade seçenekleri ile Konut Kredisi veriyor.
19 KASIM 2020 ZİRAAT BANKASI KREDİ FAİZ ORANLAR
Tüketici kredisi: 1.42
Taşıt kredisi: 1.40
Konut kredisi: 1.35
19 KASIM 2020 HALKBANK KREDİ FAİZ ORANLARI:
İhtiyaç kredisi: 1.47
Taşıt kredisi: 1.45
Konut kredisi: 1,15
19 KASIM 2020 VAKIFBANK KREDİ FAİZ ORANLARI
Taşıt kredisi 1.65
İhtiyaç kredisi: 1.44
SarıPanjur Konut Kredisi: 1.35
en uygun konut kredisi faiz oranları!
19 KASIM 2020 İŞ BANKASI KREDİ FAİZ ORANLARI:
İhtiyaç kredisi: 1.40
Taşıt kredisi: 1.40
Ev kredisi: 1.35
19 KASIM 2020 AKBANK KREDİ FAİZ ORANLARI:
Direkt kredi: 1.89
İhtiyaç kredisi: 1.85
Taşıt kredisi: 1.52
Konut kredisi: 1.30
19 KASIM 2020 GARANTİ BANKASI KREDİ FAİZ ORANLARI:
İhtiyaç kredisi: 1.49
Konut kredisi: 1.49
Taşıt kredisi: 1.64
19 KASIM 2020 TEB KREDİ FAİZ ORANLARI:
İhtiyaç kredisi: 1.2
Taşıt kredisi: 1.35
Konut kredisi: 1.37
KONUT KREDİSİ NEDİR?
Gerçek kişilere, yeni ya da kullanılmış konut alımlarının finanse edilmesi amacıyla, satın alınacak konutun ipoteği alınarak veya satış vaadi sözleşmesine bağlı olarak garantörlü/iyi niyet mektubu teminatı ile kullandırılan kredilerdir. Ayrıca mevcut konut kredisi borcunun daha uygun faiz ve vade koşulları ile değiştirilmesini sağlamak üzere başka bir bankaya taşınarak Konut Kredisi kullanılması da mümkündür. Bu krediler Konut Kredisi Borç Transferi ve Yeniden Yapılandırma Kredisi olarak da bilinen Refinansman Kredileridir.
2007'de yasalaşan Mortgage Yasası ile tüm konut kredileri mortgage kapsamına alınmıştır. Bu sayede tüketiciler düşük aylık ödemelerle ve yüksek vadelerle, kira öder gibi ev sahibi olabilmektedir. Bu kredilerin vadeleri 20 yıla kadar uzayabilmektedir.
Konut kredisinde satın alınan konutlar teminat olarak alınır. Ticari nitelikli gayrimenkuller ise teminat olarak alınamaz. Bu teminat kapsamında banka, satın alınacak konut üzerine kendi lehine ipotek tesis eder. Kredi ödemesinin bitmesinin ardından ipotek kaldırılır.
Konut kredisi tutarı krediye konu gayrimenkulün belirlenen değerinin %75'i kadar olabilmektedir. Örneğin; ekspertiz değeri 100.000 TL olan bir evi satın almak için kullanılabilecek maksimum konut kredisi tutarı 75.000 TL'dir.
Konut kredisi veren bankalar sabit veya değişken faiz uygulayabilir. Türkiye'de uygulanan konut kredisi faizleri genellikle sabittir. Yani, kredinin vadesi boyunca ödenecek kredi taksit tutarı değişmez. Sabit faizli konut kredilerinde vadesinden önce kredinin kapanması durumunda %2 erken kapama komisyonu ödenir.