{"status":true,"post":{"id":43052,"user_id":23,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2023-09-04 08:00:00","created_at":"2023-09-04T05:00:00.000000Z","updated_at":"2023-09-04T05:00:00.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":43052,"is_featured":0,"title":"BDDK konut piyasas\u0131 d\u00fczenlemeleri ne anlama geliyor?","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":"H\u0130KMET BAYDAR","content":"

hikmetbaydar@3-goz.com<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), konut kredilerinde d\u00fczenlemeye gitti. D\u00fczenlemeyle ikinci konutu alacak olanlara verilecek kredi tutar\u0131 y\u00fczde 75 oran\u0131nda d\u00fc\u015f\u00fcr\u00fcl\u00fcyor.<\/span><\/p>

\u00a0<\/span><\/p>

BDDK\u2019n\u0131n a\u00e7\u0131klamas\u0131nda, \u201cKonut kredilerinde kredi de\u011fer oran\u0131 t\u00fcketicinin kendisinin, e\u015finin veya 18 ya\u015f\u00a0alt\u0131ndaki \u00e7ocuklar\u0131n\u0131n en az bir konutu varsa y\u00fczde 75 azalt\u0131larak uygulanacak\u201d ifadesi yer ald\u0131. Yani, yeni d\u00fczenlemeyle 5 milyon TL\u2019nin alt\u0131nda bir konutu, ikinci tapulu evi olarak alacaklar i\u00e7in evin de\u011ferinin sadece y\u00fczde 22.5\u2019i kadar kredi verilecek.<\/span><\/p>

\u00a0<\/span><\/p>

Yeni d\u00fczenlemeyle bankalar i\u00e7in de kredi risk a\u011f\u0131rl\u0131\u011f\u0131 art\u0131r\u0131l\u0131yor. Konuya ili\u015fkin olarak, \u201cKonut edindirme amac\u0131yla kulland\u0131r\u0131lacak kredilere sermaye yeterlili\u011fi hesaplamas\u0131nda y\u00fczde 35 risk a\u011f\u0131rl\u0131\u011f\u0131 yerine y\u00fczde 150 risk a\u011f\u0131rl\u0131\u011f\u0131 uygulanacak\u201d a\u00e7\u0131klamas\u0131 yap\u0131ld\u0131. B\u00f6ylece bankalar\u0131n konut kredi verme i\u015ftah\u0131 da azalacak demektir.<\/span><\/p>

\u00a0<\/span><\/p>

BANKALARIN KRED\u0130 VERME E\u011e\u0130L\u0130M\u0130<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

G\u00f6r\u00fclece\u011fi \u00fczere BDDK d\u00fczenlemeleri ile hem bankalar\u0131n konut kredisi verme e\u011filimi azalt\u0131l\u0131yor hem de konut alacaklara her konut i\u00e7in daha az kredi verilmesi sa\u011flan\u0131yor. B\u00f6ylece ev alacak olanlar, konut bedelinin \u00e7o\u011funu kendi cebinden \u00f6demek zorunda.\u00a0<\/span><\/p>

Peki, bu d\u00fczenleme konut piyasas\u0131 toplam sat\u0131\u015flar\u0131n\u0131 nas\u0131l etkileyebilir? \u00d6ncelikle kendisinin, e\u015finin ve 18 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f \u00e7ocuklar\u0131n\u0131n evi olmayanlar bu d\u00fczenlenmeden etkilenmeyecek. Dolay\u0131s\u0131yla onlar eskiden oldu\u011fu gibi kredi m\u00fcracaat\u0131nda bulunabilecek. Ancak kar\u015f\u0131lar\u0131nda ayn\u0131 istekli bankay\u0131 bulamayabilirler.<\/span><\/p>

\u00a0<\/span><\/p>

Kredi risk a\u011f\u0131rl\u0131\u011f\u0131 \u00e7ok fazla art\u0131r\u0131ld\u0131\u011f\u0131 i\u00e7in bankalar ya konut kredi faiz oran\u0131n\u0131 y\u00fckseltecek ya da kredi kulland\u0131r\u0131mlar\u0131nda isteksiz davranacaklar.<\/span><\/p>

\u00a0<\/span><\/p>

\u0130POTEKL\u0130 SATI\u015eLARDA AZALMA<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

T\u00fcrkiye \u0130statistik Kurumu\u2019nun Temmuz 2023 ay\u0131 b\u00fclteninde; ipotekli sat\u0131\u015flar\u0131n toplam sat\u0131\u015flara oran\u0131n\u0131n y\u00fczde 13.3 oldu\u011funu g\u00f6r\u00fcyoruz. Dolay\u0131s\u0131yla bu oran\u0131n daha da az k\u0131sm\u0131 d\u00fczenlemeden tam olarak etkilenecek. Ancak bankalar biraz daha isteksiz davranabilirler.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

Bu d\u00fczenlemeler yap\u0131lmad\u0131\u011f\u0131 halde ocak-temmuz d\u00f6neminde ipotekli sat\u0131\u015flar\u0131n bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 28.2 azald\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Dolay\u0131s\u0131yla ipotekli konut sat\u0131\u015flar\u0131ndaki azalman\u0131n as\u0131l sebebi, faizlerin ve konut fiyatlar\u0131n\u0131n y\u00fcksek olmas\u0131d\u0131r.<\/span><\/p>


<\/p>

B\u00fct\u00fcn bunlar\u0131n yan\u0131nda s\u00f6z konusu d\u00fczenleme, ipotekli konut sat\u0131\u015flar\u0131nda bir azalma olaca\u011f\u0131 anlam\u0131na geliyor. Tabii ki sadece banka kredileriyle yap\u0131lan sat\u0131n almalardan bahsediyoruz. Di\u011fer finansman yollar\u0131yla yap\u0131lan sat\u0131n almalarda bir de\u011fi\u015fiklik s\u00f6z konusu olmayacak.<\/span><\/p>","slug":"bddk-konut-piyasasi-duzenlemeleri-ne-anlama-geliyor","tags":null,"meta_title":null,"meta_description":null,"meta_keywords":null,"news_cover_min":"\/front\/uploads\/blog\/thumbnail\/169377480066LrkH1G2ctNYAM.webp","news_cover":null,"news_video_min":null,"news_video":null,"view_count":2170,"cropped_1200x675":null,"user":{"id":23,"name":"H\u0130KMET","surname":"BAYDAR","email":"hikmet-baydar@gmail.com","slug":"hikmet-baydar","avatar":"\/front\/uploads\/avatar\/1733691600m8IdzrjJsMVvSMC.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-10-19T14:42:06.000000Z","updated_at":"2024-12-18T09:49:02.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":43178,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":43052,"locale":"tr","category_id":73,"title":"BDDK konut piyasas\u0131 d\u00fczenlemeleri ne anlama geliyor?","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":"H\u0130KMET BAYDAR","content":"

hikmetbaydar@3-goz.com<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), konut kredilerinde d\u00fczenlemeye gitti. D\u00fczenlemeyle ikinci konutu alacak olanlara verilecek kredi tutar\u0131 y\u00fczde 75 oran\u0131nda d\u00fc\u015f\u00fcr\u00fcl\u00fcyor.<\/span><\/p>

\u00a0<\/span><\/p>

BDDK\u2019n\u0131n a\u00e7\u0131klamas\u0131nda, \u201cKonut kredilerinde kredi de\u011fer oran\u0131 t\u00fcketicinin kendisinin, e\u015finin veya 18 ya\u015f\u00a0alt\u0131ndaki \u00e7ocuklar\u0131n\u0131n en az bir konutu varsa y\u00fczde 75 azalt\u0131larak uygulanacak\u201d ifadesi yer ald\u0131. Yani, yeni d\u00fczenlemeyle 5 milyon TL\u2019nin alt\u0131nda bir konutu, ikinci tapulu evi olarak alacaklar i\u00e7in evin de\u011ferinin sadece y\u00fczde 22.5\u2019i kadar kredi verilecek.<\/span><\/p>

\u00a0<\/span><\/p>

Yeni d\u00fczenlemeyle bankalar i\u00e7in de kredi risk a\u011f\u0131rl\u0131\u011f\u0131 art\u0131r\u0131l\u0131yor. Konuya ili\u015fkin olarak, \u201cKonut edindirme amac\u0131yla kulland\u0131r\u0131lacak kredilere sermaye yeterlili\u011fi hesaplamas\u0131nda y\u00fczde 35 risk a\u011f\u0131rl\u0131\u011f\u0131 yerine y\u00fczde 150 risk a\u011f\u0131rl\u0131\u011f\u0131 uygulanacak\u201d a\u00e7\u0131klamas\u0131 yap\u0131ld\u0131. B\u00f6ylece bankalar\u0131n konut kredi verme i\u015ftah\u0131 da azalacak demektir.<\/span><\/p>

\u00a0<\/span><\/p>

BANKALARIN KRED\u0130 VERME E\u011e\u0130L\u0130M\u0130<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

G\u00f6r\u00fclece\u011fi \u00fczere BDDK d\u00fczenlemeleri ile hem bankalar\u0131n konut kredisi verme e\u011filimi azalt\u0131l\u0131yor hem de konut alacaklara her konut i\u00e7in daha az kredi verilmesi sa\u011flan\u0131yor. B\u00f6ylece ev alacak olanlar, konut bedelinin \u00e7o\u011funu kendi cebinden \u00f6demek zorunda.\u00a0<\/span><\/p>

Peki, bu d\u00fczenleme konut piyasas\u0131 toplam sat\u0131\u015flar\u0131n\u0131 nas\u0131l etkileyebilir? \u00d6ncelikle kendisinin, e\u015finin ve 18 ya\u015f\u0131n\u0131 doldurmam\u0131\u015f \u00e7ocuklar\u0131n\u0131n evi olmayanlar bu d\u00fczenlenmeden etkilenmeyecek. Dolay\u0131s\u0131yla onlar eskiden oldu\u011fu gibi kredi m\u00fcracaat\u0131nda bulunabilecek. Ancak kar\u015f\u0131lar\u0131nda ayn\u0131 istekli bankay\u0131 bulamayabilirler.<\/span><\/p>

\u00a0<\/span><\/p>

Kredi risk a\u011f\u0131rl\u0131\u011f\u0131 \u00e7ok fazla art\u0131r\u0131ld\u0131\u011f\u0131 i\u00e7in bankalar ya konut kredi faiz oran\u0131n\u0131 y\u00fckseltecek ya da kredi kulland\u0131r\u0131mlar\u0131nda isteksiz davranacaklar.<\/span><\/p>

\u00a0<\/span><\/p>

\u0130POTEKL\u0130 SATI\u015eLARDA AZALMA<\/span><\/strong><\/p>

\u00a0<\/span><\/p>

T\u00fcrkiye \u0130statistik Kurumu\u2019nun Temmuz 2023 ay\u0131 b\u00fclteninde; ipotekli sat\u0131\u015flar\u0131n toplam sat\u0131\u015flara oran\u0131n\u0131n y\u00fczde 13.3 oldu\u011funu g\u00f6r\u00fcyoruz. Dolay\u0131s\u0131yla bu oran\u0131n daha da az k\u0131sm\u0131 d\u00fczenlemeden tam olarak etkilenecek. Ancak bankalar biraz daha isteksiz davranabilirler.\u00a0<\/span><\/p>

\u00a0<\/span><\/p>

Bu d\u00fczenlemeler yap\u0131lmad\u0131\u011f\u0131 halde ocak-temmuz d\u00f6neminde ipotekli sat\u0131\u015flar\u0131n bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 28.2 azald\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Dolay\u0131s\u0131yla ipotekli konut sat\u0131\u015flar\u0131ndaki azalman\u0131n as\u0131l sebebi, faizlerin ve konut fiyatlar\u0131n\u0131n y\u00fcksek olmas\u0131d\u0131r.<\/span><\/p>


<\/p>

B\u00fct\u00fcn bunlar\u0131n yan\u0131nda s\u00f6z konusu d\u00fczenleme, ipotekli konut sat\u0131\u015flar\u0131nda bir azalma olaca\u011f\u0131 anlam\u0131na geliyor. Tabii ki sadece banka kredileriyle yap\u0131lan sat\u0131n almalardan bahsediyoruz. Di\u011fer finansman yollar\u0131yla yap\u0131lan sat\u0131n almalarda bir de\u011fi\u015fiklik s\u00f6z konusu olmayacak.<\/span><\/p>","slug":"bddk-konut-piyasasi-duzenlemeleri-ne-anlama-geliyor","orjinalimage":"\/front\/uploads\/blog\/thumbnail\/169377480066LrkH1G2ctNYAM.webp","news_cover_min":"\/front\/uploads\/blog\/thumbnail\/169377480066LrkH1G2ctNYAM.webp","news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":null,"meta_title":null,"meta_description":null,"meta_keywords":null,"view_count":2170,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}