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21 Şubat 2025, Cuma
Konut kredisi faizleri düşüşe geçti! 1 milyon TL çekenler aylık ne kadar öder? ahaber.com.tr Haber Merkezi
Giriş: 07.01.2025 08:59 Güncelleme: 07.01.2025 09:11 Türkiye Cumhuriyet Merkez Bankası'nın 22 aylık bir aranın ardından gerçekleştirdiği ilk faiz indirimi etkilerini göstermeye başladı. TCMB'nin 26 Aralık'ta politika faizini 2,5 puan düşürerek yüzde 47,5 seviyesine çekmesi, konut kredisi faiz oranlarında da yansımasını buldu. 27 Aralık itibarıyla konut kredisi faizleri yüzde 40,87'ye inerek 1 Mart 2024'ten bu yana görülen en düşük seviyeye ulaştı. Merkez Bankası 'nın faiz indiriminin ardından, konut kredisinde faiz yüzde 40.87 ile 1 Mart'tan bu yana en düşük seviyeye geriledi. Düşüşün bu yıl hızlanması bekleniyor.
Bankalar faiz indirimine rağmen kredi faizlerini düşürmeyi ağırdan alıyor (AA)
1 MİLYONA 3.6 MİLYON İSTİYORLAR!
10 yıl vadeli 1 milyon TL tutarındaki konut kredisinde aylık ödeme 29 bin 878 lira, toplam ödeme 3.6 milyon lira oldu. 10 yılda ödenen faiz ise 2 milyon 585 bin TL olacak. 5 bin TL tahsis ücreti, 13 bin TL ekspertiz ücreti, bin 620 TL de ipotek ücreti bulunuyor. Kredinin aylık faizi yaklaşık yüzde 2.8 seviyesinde bulunuyor.
Merkez Bankası'nın geçen haftaki faiz indirime rağmen, sıkı para politikasını teknik dokunuşlarla sürdürmesi, bankaları gerek mevduat gerekse de kredi faizlerini düşürmekte ağırdan almasına neden oluyor. TCMB verilerine göre mevduat faizlerinde 20 Aralık'ta yüzde 56.54 olan ortalama faiz, 27 Aralık haftasında yüzde 55.68'e geriledi.
İLK DÜŞÜŞ KONUTTA
Tüketici kredisinde ise 20 Aralık'ta yüzde 71.28 olan ortalama faiz, 27 Aralık'ta yüzde 71.69 olarak gerçekleşti. Merkez Bankası verilerine göre konut kredisinde faiz yüzde 41.01'den 40.87'ye gerilerken, ihtiyaç kredisinin faizi yüzde 69.23'ten 70.08'e, taşıt kredisi faizi yüzde 36.13'ten 36.84'e çıktı. 20 Aralık'ta yüzde 55.19 olan ticari kredi faizi ise yüzde 55.55 olarak gerçekleşti.
Faiz indirimi sonrası konut piyasası hareketlendi (AA)
SEKTÖR HAREKETLENİYOR
Türkiye genelinde konut satışları kasımda, yıllık bazda yüzde 63.6 artarak 153 bin 14 oldu. Böylece tüm zamanların en yüksek ikinci kasım ayı verisi görüldü.
Kasımda ipotekli konut satışlarının yüzde 315.7 artarak 21 bin 804 adede yükselmesi dikkati çekti. Toplam konut satışları içinde ipotekli satışların payı yüzde 14.2 ile son 17 ayın en yükseğine çıktı. Yılın 11 ayı ele alındığında ise konut satışları 2023'ün aynı dönemine göre yüzde 16.4 artarak 1 milyon 265 bin 388'e yükseldi.
Son 5 aydaki konut satışları
FAİZ % 1'LERE İNMELİ
Türkiye'de ev sahipliği oranının yüzde 55'lere gerilediğini belirten uzmanlar, faiz indirimleri ile beraber devreye alınacak teşviklerin önem taşıdığı görüşünde. Gayrimenkul uzmanları konut sektörünün 2025'te canlanmasını beklediklerini ifade ederken, faiz indirimi adımının çok önemli olduğunu ancak faizin daha da düşmesi gerektiğini belirtiyor.
Konuta erişimin kolaylaşması için, son yıllarda aylık bazda yüzde 3-5 aralığında olan faizin, 1 ve altına inmesi gerektiğine dikkat çeken sektör temsilcileri, Merkez Bankası'nın indirim sürecine devam etmesiyle birlikte faizin ilk etapta 2'nin altına gelmesini bekliyor.
2024 yılında tapu dairelerinde yapılan işlem sayısı 18 milyon 726 bin 979 oldu. (AA)
2024'TE 3 MİLYON GAYRİMENKUL SATILDI
Türkiye genelinde 2024 yılında tapu dairelerinde yapılan işlem sayısı 18 milyon 726 bin 979 oldu. Bu rakam, önceki yıl 18 milyon 285b in 900 seviyesindeydi. Geçen yıl tapuda gerçekleştirilen işlemlerin 3 milyon 65 bin 872'sini gayrimenkul (konut, iş yeri, arsa, tarla, ticari taşınmaz vb.) satışları oluştururken, 1 milyon 354 bin 35'ini ipotek, 477 bin 974'ünü intikal, 110 bin 238'ini düzeltme, 70 bin 719'unu kamulaştırma, 55 bin 556'sını ayırma oluşturdu. Diğer işlemler 13 milyonu aşarken, tapuda taksim, bağış, birleştirme, trampa, ölünceye kadar bakma akdi, kat karşılığı inşaat sözleşmesi şerhi, intifa hakkından feragat gibi işlemler de gerçekleştirildi. Türkiye genelinde satılan gayrimenkul sayısı 2023'e göre yüzde 3,9 artarak 3 milyon 65 bin 872'ye yükselirken, bu satışlardan elde edilen harç geliri 91 milyar 595 milyon lirayı aştı.
BDDK'DAN DOLANDIRICILIK UYARISI
Bankacılık Düzenleme ve Denetleme Kurumu (BDDK), vatandaşlara dolandırıcılık girişimlerine karşı ihtiyatlı davranmaları ve herhangi bir dolandırıcılık olayına maruz kalmamaları için uyarıda bulundu. BDDK'dan yapılan açıklamada, son günlerde kendilerini BDDK yöneticileri veya personelin adı kullanılarak yapılan telefon aramalarıyla muhtelif taleplerde bulunulduğu yönünde bilgi alındığı bildirildi.
Konuya ilişkin olarak gerekli yasal yollara başvurulduğu vurgulanan açıklamada, "Kuruluşların ve vatandaşların söz konusu dolandırıcılık girişimlerine karşı ihtiyatlı davranmaları ve teyit edilmemiş aramalara itibar edilmemesi önemle rica olunur" denildi.
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