{"id":25099,"date":"2024-05-14T14:57:39","date_gmt":"2024-05-14T13:57:39","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=25099"},"modified":"2024-05-14T15:02:05","modified_gmt":"2024-05-14T14:02:05","slug":"ingilterede-30-yasin-alti-ultra-uzun-ipotek-kredilerinde-artis","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ingilterede-30-yasin-alti-ultra-uzun-ipotek-kredilerinde-artis\/","title":{"rendered":"\u0130ngiltere&#8217;de 30 ya\u015f\u0131n alt\u0131 ultra uzun mortgage kredilerinde art\u0131\u015f"},"content":{"rendered":"<p>\u00d6zellikle 30 ya\u015f\u0131n alt\u0131ndakilere verilen yeni konut kredilerinde, emeklilik ya\u015f\u0131n\u0131n \u00f6tesine ge\u00e7en ipotek vadelerinde bir art\u0131\u015f g\u00f6r\u00fcld\u00fc.<\/p>\n<p>\u0130ngiltere Merkez Bankas\u0131&#8217;n\u0131n rakamlar\u0131, daha sonraki bir biti\u015f tarihine sahip yeni ipoteklerin pay\u0131n\u0131n nas\u0131l artt\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n<p>Daha y\u00fcksek mortgage oranlar\u0131, bir\u00e7ok ki\u015finin maliyetleri kontrol etmek i\u00e7in daha uzun bir geri \u00f6deme s\u00fcresini tercih etmesine yol a\u00e7t\u0131.<\/p><div id=\"briti-1221368646\" class=\"briti-icerik\" style=\"margin-top: 5px;margin-bottom: 5px;\"><a href=\"https:\/\/piaryum.com\/services\/\" aria-label=\"piaryum banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/Gemini_Generated_Image_g5yqr1g5yqr1g5yq.jpg\" alt=\"\"  width=\"2064\" height=\"1152\"   \/><\/a><\/div>\n<p>Ancak, ipoteklerini daha uzun s\u00fcre \u00f6deyecekleri i\u00e7in daha fazla faiz \u00f6deyecekler, dolay\u0131s\u0131yla toplam maliyet muhtemelen daha y\u00fcksek olacak.<\/p>\n<p>Rakamlar, \u015fu anda emeklilik dan\u0131\u015fmanl\u0131\u011f\u0131 \u015firketi LCP&#8217;nin orta\u011f\u0131 olan eski Emeklilik Bakan\u0131 Sir Steve Webb taraf\u0131ndan yap\u0131lan bir Bilgi Edinme \u00d6zg\u00fcrl\u00fc\u011f\u00fc (FoI) talebiyle ortaya \u00e7\u0131kt\u0131.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-25104\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2024\/05\/mortgage-2.jpg\" alt=\"\" width=\"1600\" height=\"1066\" title=\"\"><\/p>\n<p>Webb, \u201cKonut merdivenine \u00e7\u0131kman\u0131n zorlu\u011fu, \u00e7ok say\u0131da gen\u00e7 ev al\u0131c\u0131s\u0131n\u0131 \u00e7ok uzun vadeli ipotek alarak emeklilik beklentileriyle kumar oynamaya zorluyor\u201d dedi.<\/p>\n<p>S\u0131n\u0131rl\u0131 emeklilik birikimlerini mortgage kredisini kapatmak i\u00e7in kullanman\u0131n insanlar\u0131 ya\u015fl\u0131l\u0131kta daha b\u00fcy\u00fck bir yoksulluk riskiyle kar\u015f\u0131 kar\u015f\u0131ya b\u0131rakabilece\u011fini \u00f6ne s\u00fcrd\u00fc.<\/p>\n<div id=\"attachment_25101\" style=\"width: 2058px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-25101\" class=\"size-full wp-image-25101\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2024\/05\/cambridge-1-konut.jpg\" alt=\"\" width=\"2048\" height=\"1152\" title=\"\"><p id=\"caption-attachment-25101\" class=\"wp-caption-text\">\u0130ngiltere&#8217;de 30 ya\u015f\u0131n alt\u0131 ultra uzun mortgage kredilerinde art\u0131\u015f<\/p><\/div>\n<p>BBC\u2019nin haberine g\u00f6re; FoI talebi, 2023&#8217;\u00fcn d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fi i\u00e7in ipotek verilerini i\u00e7eren bir \u0130ngiltere Merkez Bankas\u0131 mali politika raporunun ard\u0131ndan geldi. Webb, \u00f6nceki iki y\u0131l\u0131n d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011fine ili\u015fkin verileri de talep etti.<\/p>\n<p>\u0130ngiltere Merkez Bankas\u0131&#8217;n\u0131n verileri, 2021&#8217;in son \u00fc\u00e7 ay\u0131nda yeni ipoteklerin yakla\u015f\u0131k %31&#8217;inin biti\u015f tarihinin devlet emeklilik ya\u015f\u0131n\u0131n \u00f6tesinde oldu\u011funu g\u00f6steriyor.<\/p>\n<p>\u0130ki y\u0131l sonra, yeni ipoteklerin yakla\u015f\u0131k %42&#8217;si emeklilik s\u0131ras\u0131nda bu biti\u015f tarihine sahipti, bu da daha uzun vadeli kredilerin pop\u00fcleritesinde bir art\u0131\u015fa i\u015faret ediyor.<\/p>\n<p>Her \u00fc\u00e7 y\u0131l\u0131n son \u00e7eyreklerinde, yakla\u015f\u0131k 300.000 yeni ipotek bu kategorideydi.<\/p>\n<p>Per\u015fembe g\u00fcn\u00fc, \u0130ngiltere Merkez Bankas\u0131 baz faiz oran\u0131n\u0131 %5,25&#8217;te tutarken, yaz aylar\u0131nda bir faiz indirimine y\u00f6neldi ve daha fazla indirime i\u015faret etti.<\/p>\n<p>Banka Ba\u015fkan\u0131 Andrew Bailey, ekonomide i\u015flerin do\u011fru y\u00f6nde ilerledi\u011fi konusunda iyimser oldu\u011funu s\u00f6yleyerek baz faiz indirimi spek\u00fclasyonlar\u0131na yol a\u00e7t\u0131.<\/p>\n<div id=\"briti-248706935\" class=\"briti-icerikten-sonra_2\" style=\"margin-top: 25px;margin-bottom: 25px;\"><a href=\"https:\/\/wa.me\/message\/NDZLLIOQT4H3O1\" aria-label=\"bytv reklam banner\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/12\/bytv-reklam-banner.jpg\" alt=\"\"  width=\"2376\" height=\"1008\"   \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>\u00d6zellikle 30 ya\u015f\u0131n alt\u0131ndakilere verilen yeni konut kredilerinde, emeklilik ya\u015f\u0131n\u0131n \u00f6tesine ge\u00e7en ipotek vadelerinde bir art\u0131\u015f g\u00f6r\u00fcld\u00fc. \u0130ngiltere Merkez Bankas\u0131&#8217;n\u0131n rakamlar\u0131, daha sonraki bir biti\u015f tarihine sahip yeni ipoteklerin pay\u0131n\u0131n nas\u0131l artt\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Daha y\u00fcksek mortgage oranlar\u0131, bir\u00e7ok ki\u015finin maliyetleri kontrol etmek i\u00e7in daha uzun bir geri \u00f6deme s\u00fcresini tercih etmesine yol a\u00e7t\u0131. Ancak, ipoteklerini daha uzun s\u00fcre \u00f6deyecekleri i\u00e7in daha fazla faiz \u00f6deyecekler, dolay\u0131s\u0131yla toplam maliyet muhtemelen daha y\u00fcksek olacak. Rakamlar, \u015fu anda emeklilik dan\u0131\u015fmanl\u0131\u011f\u0131 \u015firketi LCP&#8217;nin orta\u011f\u0131 olan eski Emeklilik Bakan\u0131 Sir Steve Webb taraf\u0131ndan yap\u0131lan bir Bilgi Edinme \u00d6zg\u00fcrl\u00fc\u011f\u00fc (FoI) talebiyle ortaya \u00e7\u0131kt\u0131. Webb, \u201cKonut merdivenine \u00e7\u0131kman\u0131n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":25103,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-25099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ingiltere"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/25099","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=25099"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/25099\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/25103"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=25099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=25099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=25099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}