{"id":34593,"date":"2011-06-16T10:27:18","date_gmt":"2011-06-16T07:27:18","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=34593"},"modified":"2011-07-11T00:10:04","modified_gmt":"2011-07-10T21:10:04","slug":"ev-alacaklara-onemli-uyari","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=34593","title":{"rendered":"Ev alacaklara \u00f6nemli uyar\u0131"},"content":{"rendered":"

\"\"<\/a><\/p>\n

Konut kredilerindeki maliyet art\u0131\u015f\u0131 hen\u00fcz faizlere yans\u0131mad\u0131. Ancak uzmanlar, bu art\u0131\u015f\u0131n faizlere y\u0131l\u0131n ikinci yar\u0131s\u0131nda yans\u0131yaca\u011f\u0131n\u0131 s\u00f6yl\u00fcyor.<\/p>\n

Akbank Bireysel Bankac\u0131l\u0131ktan Sorumlu Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Galip T\u00f6zge, Merkez Bankas\u0131 zorunlu kar\u015f\u0131l\u0131k kararlar\u0131n\u0131 Nisan ba\u015f\u0131nda ald\u0131\u011f\u0131 i\u00e7in bunun sekt\u00f6re ve konut kredisi piyasas\u0131na yans\u0131malar\u0131n\u0131n y\u0131l\u0131n geri kalan\u0131nda daha net g\u00f6r\u00fclece\u011fini belirtti. T\u00f6zge, konut kredisi b\u00fcy\u00fcme ivmesinin \u00f6n\u00fcm\u00fczdeki d\u00f6nem azalmas\u0131n\u0131 beklediklerini bildirdi. <\/p>\n

Galip T\u00f6zge, sekt\u00f6r\u00fcn genelinde kredi faizlerinin y\u00fckseldi\u011fini g\u00f6zlemlediklerine de\u011finerek, \u201cFonlama maliyetlerinin artt\u0131\u011f\u0131 bir ortamda bu \u00e7ok do\u011fal bir netice. Y\u0131l\u0131n ikinci yar\u0131s\u0131na girerken, sekt\u00f6r konut kredisi faizlerinde gerekli revizyonu yapm\u0131\u015f durumda. \u00d6n\u00fcm\u00fczdeki s\u00fcre\u00e7te Merkez Bankas\u0131n\u0131n likiditeyi azaltan farkl\u0131 aksiyonlar\u0131 olursa kredi faizleri daha da yukar\u0131 gidebilir\u201d yorumunu yapt\u0131.<\/p>\n

\u201cENFLASYONDAK\u0130 ARTI\u015e VE EK TEDB\u0130RLERLE FA\u0130ZLER ARTMAYA DEVAM EDECEK\u201d<\/strong><\/p>\n

Garanti Mortgage Genel M\u00fcd\u00fcr\u00fc Cemal Onaran da Merkez Bankas\u0131n\u0131n ald\u0131\u011f\u0131 tedbirlerin etkilerinin hen\u00fcz tutsat piyasas\u0131na yans\u0131mad\u0131\u011f\u0131na, bankalar\u0131n pek \u00e7o\u011funun bu noktada cazip faiz oranlar\u0131 sunmaya devam etti\u011fine dikkati \u00e7ekti. Onaran, \u201cAncak gerek enflasyondaki art\u0131\u015f, gerekse de cari a\u00e7\u0131\u011f\u0131n azalt\u0131lmas\u0131na y\u00f6nelik al\u0131nmas\u0131 muhtemel ek tedbirlerle beraber faizlerin \u00f6n\u00fcm\u00fczdeki d\u00f6nemde artmaya devam edece\u011fini d\u00fc\u015f\u00fcn\u00fcyoruz. Bu durum, mortgage piyasas\u0131nda \u015fu ana kadar ya\u015fanan h\u0131zl\u0131 b\u00fcy\u00fcmeyi bir nebze daha yava\u015flatacakt\u0131r. Fakat yine de olu\u015facak oranlar\u0131n T\u00fcrkiye ko\u015fullar\u0131na g\u00f6re olduk\u00e7a makul seviyede olaca\u011f\u0131n\u0131, konut piyasas\u0131 ve mortgage sekt\u00f6r\u00fcn\u00fcn b\u00fcy\u00fcmeye devam edece\u011fini ve 2011’in her iki sekt\u00f6r i\u00e7in de iyi bir y\u0131l olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz. Bu y\u0131l, mortgage sekt\u00f6r\u00fcn\u00fcn yakla\u015f\u0131k y\u00fczde 25 seviyesinde b\u00fcy\u00fcyece\u011fini \u00f6ng\u00f6r\u00fcyoruz\u201d de\u011ferlendirmesini yapt\u0131.<\/p>\n

\u201c\u0130K\u0130NC\u0130 YARIDAN \u0130T\u0130BAREN ARTI\u015e OLACAK\u201d<\/strong><\/p>\n

\u0130\u015f Bankas\u0131 yetkilileri de Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) verilerine g\u00f6re, toplam konut kredisi bakiyesinin May\u0131s 2011 sonu itibar\u0131yla 68 milyar 596 milyon liraya ula\u015ft\u0131\u011f\u0131n\u0131, 2010 sonuna g\u00f6re May\u0131s 2011 sonu itibar\u0131yla yakla\u015f\u0131k y\u00fczde 13, 2010 May\u0131s sonuna g\u00f6re y\u00fczde 36 artan konut kredilerinde mevcut geli\u015fmeler do\u011frultusunda art\u0131\u015f h\u0131z\u0131nda yava\u015flama oldu\u011funun g\u00f6r\u00fcld\u00fc\u011f\u00fcne de\u011findi.<\/p>\n

Zorunlu kar\u015f\u0131l\u0131k oranlar\u0131ndaki art\u0131\u015f\u0131n bankalar\u0131n kredi maliyetlerini art\u0131rmas\u0131 nedeniyle konut kredisi faiz oranlar\u0131nda da art\u0131\u015f ger\u00e7ekle\u015fti\u011fine de\u011finen \u0130\u015f Bankas\u0131 yetkilileri, y\u0131l\u0131n ikinci yar\u0131s\u0131ndan itibaren konut kredi faizlerinde art\u0131\u015f olaca\u011f\u0131n\u0131n beklendi\u011fini belirtti.<\/p>\n

\u201cC\u0130DD\u0130 B\u0130R YAVA\u015eLAMA G\u00d6R\u00dcLMED\u0130\u201d<\/strong><\/p>\n

Konut sekt\u00f6r\u00fcnde ge\u00e7ti\u011fimiz y\u0131l ya\u015fanan canl\u0131l\u0131\u011f\u0131n 2011 y\u0131l\u0131nda da s\u00fcrd\u00fc\u011f\u00fcn\u00fc vurgulayan HSBC yetkilileri ise bankalar\u0131n maliyet art\u0131\u015flar\u0131n\u0131 faizlerine kademeli olarak yans\u0131tmas\u0131na ra\u011fmen, hen\u00fcz konut kredisi talebi ve hacminde ciddi bir yava\u015flaman\u0131n g\u00f6r\u00fclmedi\u011fine dikkati \u00e7ekti.<\/p>\n

T\u00fcrkiye’nin n\u00fcfus art\u0131\u015f\u0131 h\u0131z\u0131 ve evlilik oranlar\u0131n\u0131n y\u00fcksekli\u011fi d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde, son y\u0131llarda artan konut \u00fcretimine paralel olarak konut edinimi talebindeki art\u0131\u015f\u0131n devam edece\u011fini, buna paralel olarak konut \u00fcretimi ve ba\u011fl\u0131 alt sekt\u00f6rlerin b\u00fcy\u00fcmelerini s\u00fcrd\u00fcrece\u011fini \u00f6ng\u00f6rd\u00fcklerinin alt\u0131n\u0131 \u00e7izen HSBC yetkilileri, bankalar\u0131n maliyetlerdeki art\u0131\u015f\u0131 konut kredisi faizlerine yans\u0131tmalar\u0131n\u0131n ka\u00e7\u0131n\u0131lmaz oldu\u011funu, k\u0131sa vadede ya\u015fanacak bu art\u0131\u015flar sonras\u0131nda ise piyasada fiyat istikrar\u0131 olu\u015fmas\u0131n\u0131 beklediklerini bildirdi.<\/p>\n

Kaynak : hurriyet.com.tr<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\n

Konut kredilerindeki maliyet art\u0131\u015f\u0131 hen\u00fcz faizlere yans\u0131mad\u0131. Ancak uzmanlar, bu art\u0131\u015f\u0131n faizlere y\u0131l\u0131n ikinci yar\u0131s\u0131nda yans\u0131yaca\u011f\u0131n\u0131 s\u00f6yl\u00fcyor.<\/p>\n

Akbank Bireysel Bankac\u0131l\u0131ktan Sorumlu Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Galip T\u00f6zge, Merkez Bankas\u0131 zorunlu kar\u015f\u0131l\u0131k kararlar\u0131n\u0131 Nisan ba\u015f\u0131nda ald\u0131\u011f\u0131 i\u00e7in bunun sekt\u00f6re ve konut kredisi piyasas\u0131na yans\u0131malar\u0131n\u0131n y\u0131l\u0131n geri kalan\u0131nda daha net g\u00f6r\u00fclece\u011fini <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-34593","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/34593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=34593"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/34593\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34593"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}