{"id":8971,"date":"2026-01-23T17:54:00","date_gmt":"2026-01-23T14:54:00","guid":{"rendered":"https:\/\/www.trabzonmanset.com\/?p=8971"},"modified":"2026-01-23T22:56:24","modified_gmt":"2026-01-23T19:56:24","slug":"ilk-konut-kredilerine-kolaylik-geliyor-detaylar-netlesmeye-basladi","status":"publish","type":"post","link":"https:\/\/www.trabzonmanset.com\/index.php\/2026\/01\/23\/ilk-konut-kredilerine-kolaylik-geliyor-detaylar-netlesmeye-basladi\/","title":{"rendered":"\u0130lk konut kredilerine kolayl\u0131k geliyor! Detaylar netle\u015fmeye ba\u015flad\u0131"},"content":{"rendered":"\n<p>Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek ba\u015fkanl\u0131\u011f\u0131nda ger\u00e7ekle\u015ftirilen Finansal \u0130stikrar Komitesi toplant\u0131s\u0131nda ele al\u0131nan yeni d\u00fczenlemeyle, ilk kez konut alacak dar gelirli vatanda\u015flar i\u00e7in konut kredilerinde yeni bir model \u00fczerine \u00e7al\u0131\u015f\u0131l\u0131yor. Model kapsam\u0131nda faiz oran\u0131n\u0131n yakla\u015f\u0131k y\u00fczde 1,20 seviyesine \u00e7ekilmesi, 2 milyon lira olan kredi limitinin art\u0131r\u0131lmas\u0131 ve vadenin uzat\u0131lmas\u0131 g\u00fcndemde.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finansal \u0130stikrar Komitesi, ilk kez konut alacaklar i\u00e7in konut kredilerindeki s\u0131n\u0131rlamalar\u0131 ele ald\u0131.<\/li>\n\n\n\n<li>Hazine ve Maliye Bakanl\u0131\u011f\u0131, dar gelirli vatanda\u015flar\u0131n konut kredisi \u00e7ekmesini kolayla\u015ft\u0131racak yeni bir sistem haz\u0131rl\u0131\u011f\u0131 i\u00e7inde oldu\u011funu beyan etti.<\/li>\n\n\n\n<li>Planlanan d\u00fczenlemede yakla\u015f\u0131k y\u00fczde 1,20 faiz oran\u0131, 2 milyon lira olan konut kredisi limitinin art\u0131r\u0131lmas\u0131, vadenin uzat\u0131lmas\u0131 ve daha d\u00fc\u015f\u00fck taksitlerle kredi kulland\u0131r\u0131lmas\u0131 g\u00fcndemde.<\/li>\n<\/ul>\n\n\n\n<p>Finansal \u0130stikrar Komitesi, \u00f6nceki g\u00fcn Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek ba\u015fkanl\u0131\u011f\u0131nda topland\u0131. Toplant\u0131da, bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn genel g\u00f6r\u00fcn\u00fcm\u00fc ve ilk kez konut alacaklar i\u00e7in konut kredilerindeki s\u0131n\u0131rlamalar ele al\u0131nd\u0131. Konuyla ilgili a\u00e7\u0131klama yapan TEDB Genel Ba\u015fkan\u0131 Hakan Ak\u00e7am, dar gelirli vatanda\u015flar\u0131n konuta eri\u015fimini kolayla\u015ft\u0131racak yeni bir model \u00fczerinde \u00e7al\u0131\u015f\u0131ld\u0131\u011f\u0131n\u0131 belirterek, &#8220;Hazine ve Maliye Bakanl\u0131\u011f\u0131m\u0131z\u0131n iki g\u00fcn \u00f6nce yapt\u0131\u011f\u0131 a\u00e7\u0131klamaya g\u00f6re, finansal istikrar komitesindeki de\u011ferlendirmelerde dar gelirli vatanda\u015f\u0131n konut almada, konuta eri\u015fimde daha farkl\u0131 bir modelle kredi \u00e7ekmesinin yolunu daha da kolayla\u015ft\u0131racak bir sistemin haz\u0131rl\u0131\u011f\u0131 i\u00e7erisinde olduklar\u0131n\u0131 beyan ettiler&#8221; ifadelerini kulland\u0131.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#8220;BU DURUM FIRSAT\u00c7ILI\u011eA \u00c7EVR\u0130LMEMEL\u0130&#8221;<\/h3>\n\n\n\n<p>Konut kredisi faizlerinin y\u00fcksek oldu\u011fu bir d\u00f6nemde b\u00f6yle bir uygulaman\u0131n \u00f6nemli oldu\u011funu s\u00f6yleyen Ak\u00e7am, &#8220;Ancak faizlerin a\u015fa\u011f\u0131 inmesiyle birlikte fiyatlar\u0131n yukar\u0131 \u00e7\u0131kmas\u0131na y\u00f6nelik bir tepki olu\u015fmamas\u0131 laz\u0131m. Gayrimenkul sahiplerinin bu durumu f\u0131rsat\u00e7\u0131l\u0131\u011fa \u00e7evirmemesi gerekiyor. Bakanl\u0131\u011f\u0131n ve di\u011fer kurumlar\u0131n denetim mekanizmas\u0131 ciddi bir \u015fekilde \u00e7al\u0131\u015f\u0131yor&#8221; dedi.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/foto.haberler.com\/crop\/640x853\/haber\/2026\/01\/23\/ilk-konut-kredilerine-kolaylik-geliyor-iste-19496252_7367_m.jpg\" alt=\"\u0130lk konut kredilerine kolayl\u0131k geliyor! \u0130\u015fte\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">&#8220;ARZ YUKARI \u00c7IKIP TALEB\u0130 KAR\u015eILADI\u011eINDA F\u0130YATLARIN NORMALE D\u00d6NMES\u0130 KA\u00c7INILMAZ&#8221;<\/h3>\n\n\n\n<p>S\u00f6z konusu d\u00fczenlemenin kiralara da mutlaka etki edece\u011fini belirten Hakan Ak\u00e7am, &#8220;Gayrimenkulde arz yukar\u0131 \u00e7\u0131kt\u0131\u011f\u0131nda ve talebi kar\u015f\u0131lad\u0131\u011f\u0131nda fiyatlar\u0131n da normal bir seyre d\u00f6nmesi ka\u00e7\u0131n\u0131lmazd\u0131r. G\u00fcn i\u00e7erisinde fiyat art\u0131ran ev sahipleriyle ilgili \u015fikayetler al\u0131yoruz. Biz emlak dan\u0131\u015fmanlar\u0131 olarak fiyat y\u00fckselten taraf\u0131n savunucusu de\u011filiz. Fiyat neyse, piyasan\u0131n alt\u0131nda olmamak kayd\u0131yla, sat\u0131\u015f ve kiralama s\u00fcre\u00e7lerini bu \u015fekilde y\u00f6netiyoruz. Bu d\u00fczenleme, h\u00fck\u00fcmetimizin dar gelirli vatanda\u015fa uygulayaca\u011f\u0131 g\u00fczel bir sistemdir&#8221; de\u011ferlendirmesinde bulundu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">&#8220;1.20 FA\u0130Z VE KRED\u0130 L\u0130M\u0130T\u0130N\u0130N ARTIRILMASI G\u00dcNDEMDE&#8221;<\/h3>\n\n\n\n<p>Planlanan d\u00fczenlemeye ili\u015fkin beklentilerini de payla\u015fan Ak\u00e7am, &#8220;\u00d6ng\u00f6r\u00fclen sistemde yakla\u015f\u0131k y\u00fczde 1,20 oran\u0131nda faiz, 2 milyon lira olan konut kredisi limitinin art\u0131r\u0131lmas\u0131, vadenin uzat\u0131lmas\u0131 ve daha d\u00fc\u015f\u00fck taksitlerle kredi kulland\u0131r\u0131lmas\u0131 g\u00fcndemde. Bunun devlet eliyle yap\u0131lmas\u0131 \u00e7ok ciddi bir avantaj. Daha \u00f6nceki sistemde oldu\u011fu gibi, bu yola ilk etapta devlet bankalar\u0131yla \u00e7\u0131k\u0131laca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyoruz. Merkez Bankas\u0131&#8217;n\u0131n son ad\u0131mlar\u0131yla birlikte \u00f6n\u00fcm\u00fczdeki g\u00fcnlerde faiz oranlar\u0131 her ay d\u00fc\u015ferek gidecek. Konut kredisi faizleri de buna paralel olarak gerileyecektir&#8221; ifadelerini kulland\u0131.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek ba\u015fkanl\u0131\u011f\u0131nda ger\u00e7ekle\u015ftirilen Finansal \u0130stikrar Komitesi toplant\u0131s\u0131nda ele al\u0131nan yeni d\u00fczenlemeyle, ilk kez konut alacak dar gelirli vatanda\u015flar i\u00e7in konut kredilerinde yeni bir model \u00fczerine \u00e7al\u0131\u015f\u0131l\u0131yor. Model kapsam\u0131nda faiz oran\u0131n\u0131n yakla\u015f\u0131k y\u00fczde 1,20 seviyesine \u00e7ekilmesi, 2 milyon lira olan kredi limitinin art\u0131r\u0131lmas\u0131 ve vadenin uzat\u0131lmas\u0131 g\u00fcndemde. Finansal \u0130stikrar Komitesi, \u00f6nceki [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8972,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[3641,3417,3642,245,597],"class_list":["post-8971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-finansal-istikrar-komitesi","tag-hazine-ve-maliye-bakani","tag-konut","tag-kredi","tag-mehmet-simsek"],"_links":{"self":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts\/8971","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/comments?post=8971"}],"version-history":[{"count":1,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts\/8971\/revisions"}],"predecessor-version":[{"id":8973,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/posts\/8971\/revisions\/8973"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/media\/8972"}],"wp:attachment":[{"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/media?parent=8971"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/categories?post=8971"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.trabzonmanset.com\/index.php\/wp-json\/wp\/v2\/tags?post=8971"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}