Merkez Bankas\u0131’n\u0131n ilk kez bor\u00e7 verme faiz oran\u0131nda indirime gitmesi, kredi kullanmak isteyen t\u00fcketicileri de sevindirecek…<\/p>\n
<\/p>\n
Bankan\u0131n piyasa faizlerine de yans\u0131mas\u0131 beklenen gecelik bor\u00e7 verme faizinin \u00fcst s\u0131n\u0131r\u0131nda yapt\u0131\u011f\u0131 1.5 puanl\u0131k indirim, t\u00fcketici kredisi faizlerini de a\u015fa\u011f\u0131 \u00e7ekecek.\u00a0Merkez Bankas\u0131<\/strong><\/em>‘n\u0131nfaiz<\/strong><\/em>\u00a0indirimlerine devam edece\u011fi sinyalini alan piyasada bankalar\u0131n da maliyetlerinin d\u00fc\u015fece\u011fi ve bunun da t\u00fcketici kredilerine yans\u0131mas\u0131 bekleniyor. 1.5 puanl\u0131k bu son indirimin t\u00fcketici kredisi faizlerine 0.125 puanl\u0131k bir indirim olarak yans\u0131yaca\u011f\u0131 ifade edilirken, bankalar\u0131n ayl\u0131k ortalama y\u00fczde 1.10 seviyesinde seyreden konut kredisinde\u00a0faiz<\/a>\u00a0oranlar\u0131n\u0131n da\u00a0Merkez Bankas\u0131<\/a>‘n\u0131n son karar\u0131yla y\u00fczde 1’in alt\u0131na inece\u011fi ifade ediliyor. Bu durumda 200 bin TL’lik bir konut kredisinin t\u00fcketiciye olan maliyeti yakla\u015f\u0131k 20 bin TL azalacak.<\/p>\n Mevcut y\u00fczde 1.1’lik faizden 10 y\u0131l vadeli 200 bin TLkredi\u00a0<\/strong><\/em>kullanan bir ki\u015fi, ayl\u0131k 3.009 TL taksitle toplam 361 bin TL \u00f6derken, konut kredisi faizi y\u00fczde 0.99’a inerse, ayl\u0131k taksidi 2.855 TL’ye toplam \u00f6denecek tutar ise 342 bin TL’ye d\u00fc\u015fecek. Bu \u00f6rnekte y\u00fczde 1.1’lik\u00a0faiz<\/a>oran\u0131 \u00fczerinden toplam 161 bin TL’lik\u00a0faiz<\/a>\u00a0\u00f6demesi yap\u0131l\u0131rken, y\u00fczde 1’in alt\u0131na inerse bu rakam 142 bin TL’ye geriliyor. Faizdeki 0.12 puanl\u0131k d\u00fc\u015f\u00fc\u015f, sadece faize \u00f6denecek tutar\u0131 19 bin TL a\u015fa\u011f\u0131 \u00e7ekiyor.<\/p>\n","protected":false},"excerpt":{"rendered":" Merkez Bankas\u0131’n\u0131n ilk kez bor\u00e7 verme faiz oran\u0131nda indirime gitmesi, kredi kullanmak isteyen t\u00fcketicileri de sevindirecek… Bankan\u0131n piyasa faizlerine de yans\u0131mas\u0131 beklenen gecelik bor\u00e7 verme faizinin \u00fcst s\u0131n\u0131r\u0131nda yapt\u0131\u011f\u0131 1.5 puanl\u0131k indirim, t\u00fcketici kredisi faizlerini de a\u015fa\u011f\u0131 \u00e7ekecek.\u00a0Merkez Bankas\u0131‘n\u0131nfaiz\u00a0indirimlerine devam edece\u011fi sinyalini alan piyasada bankalar\u0131n da maliyetlerinin d\u00fc\u015fece\u011fi ve bunun da t\u00fcketici kredilerine yans\u0131mas\u0131 […]<\/p>\n","protected":false},"author":1,"featured_media":11387,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[48,20992,46,45,47,788],"class_list":["post-11385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-alexa","tag-erzurum","tag-erzurum-haber","tag-erzurum-haberleri","tag-google","tag-kredi-cekeceklere-mujde"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/11385","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11385"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/11385\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/media\/11387"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11385"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11385"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nTAKS\u0130T 154 TL D\u00dc\u015eECEK<\/strong><\/p>\n