{"id":26041,"date":"2024-06-29T00:57:28","date_gmt":"2024-06-28T23:57:28","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=26041"},"modified":"2024-06-29T00:57:28","modified_gmt":"2024-06-28T23:57:28","slug":"400-bin-kisi-buyuk-mortgage-artislariyla-karsi-karsiya","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/400-bin-kisi-buyuk-mortgage-artislariyla-karsi-karsiya\/","title":{"rendered":"400 Bin Ki\u015fi B\u00fcy\u00fck Mortgage Art\u0131\u015flar\u0131yla Kar\u015f\u0131 Kar\u015f\u0131ya"},"content":{"rendered":"

\u0130ngiltere Merkez Bankas\u0131, \u00f6n\u00fcm\u00fczdeki iki y\u0131l i\u00e7inde yakla\u015f\u0131k \u00fc\u00e7 milyon Birle\u015fik Krall\u0131k hanesinin artan ipotek geri \u00f6demeleriyle kar\u015f\u0131 kar\u015f\u0131ya kalaca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Bankan\u0131n Mali Politika Komitesi (FPC), bu art\u0131\u015f\u0131n yakla\u015f\u0131k 400.000 hane i\u00e7in %50’den fazla “\u00e7ok b\u00fcy\u00fck art\u0131\u015flar” i\u00e7erece\u011fi konusunda uyard\u0131. Ancak Merkez Bankas\u0131, ekonomik g\u00f6r\u00fcn\u00fcm k\u00f6t\u00fcle\u015fse bile Birle\u015fik Krall\u0131k’taki kredi kurulu\u015flar\u0131n\u0131n hane halklar\u0131n\u0131 ve i\u015fletmeleri desteklemek i\u00e7in g\u00fc\u00e7l\u00fc bir konumda oldu\u011funu vurgulad\u0131.<\/p>\n

Bankan\u0131n son Finansal \u0130stikrar Raporu, bor\u00e7lanma maliyetlerinin 2022 y\u0131l\u0131nda \u00f6nemli \u00f6l\u00e7\u00fcde artmaya ba\u015flamas\u0131ndan bu yana \u00e7o\u011fu hane halk\u0131n\u0131n ipotek oranlar\u0131nda bir art\u0131\u015f ya\u015fad\u0131\u011f\u0131n\u0131 g\u00f6sterdi. Faiz oranlar\u0131 \u015fu anda 16 y\u0131l\u0131n en y\u00fcksek seviyesi olan %5,25’te bulunuyor ve Merkez Bankas\u0131, bu ay\u0131n ba\u015f\u0131nda yap\u0131lan \u00fcst \u00fcste yedinci toplant\u0131da bu oran\u0131 koruma karar\u0131 ald\u0131. Buna ra\u011fmen, bir\u00e7ok ekonomist A\u011fustos ay\u0131nda yap\u0131lacak bir sonraki oylamada faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclebilece\u011fini tahmin ediyor.<\/p>\n

Halihaz\u0131rda ipotekli konut kredisi kullanan hanelerin yakla\u015f\u0131k %35’i, yani \u00fc\u00e7 milyondan fazlas\u0131 %3’\u00fcn alt\u0131nda \u00f6deme yapmaktad\u0131r ve bu oran\u0131n 2026 sonuna kadar artmas\u0131 beklenmektedir. Rapor, 2026 y\u0131l\u0131 sonundan \u00f6nce sabit faizli bir ipote\u011fi kapatan tipik bir hanenin ayda yakla\u015f\u0131k 180 sterlinlik bir art\u0131\u015fla kar\u015f\u0131 kar\u015f\u0131ya kalaca\u011f\u0131n\u0131 belirtti. Hane halklar\u0131n\u0131n “artan bir oran\u0131n\u0131n” daha uzun vadelerde bor\u00e7lanmay\u0131 tercih etti\u011fini, bunun da ayl\u0131k geri \u00f6demeleri azaltt\u0131\u011f\u0131n\u0131 ancak zaman i\u00e7inde daha fazla bor\u00e7lanmaya neden oldu\u011funu vurgulad\u0131.<\/p>

\"\"<\/a><\/div>\n
Artan Kira Maliyetleri Hane Halklar\u0131n\u0131 Zorluyor<\/strong><\/h5>\n

Banka, y\u00fcksek mortgage oranlar\u0131n\u0131n hem ev sahipleri hem de kirac\u0131lar i\u00e7in tasarruflarda bask\u0131ya neden oldu\u011funu ke\u015ffetti. \u00d6demelerini geciktiren kirac\u0131lar\u0131n oran\u0131n\u0131n, \u00f6nemli y\u0131ll\u0131k kira art\u0131\u015flar\u0131n\u0131n ard\u0131ndan, bir \u00f6nceki y\u0131l %15,7 iken 2024’\u00fcn ilk \u00e7eyre\u011finde %16,5’e y\u00fckseldi\u011fi kaydedildi. Anket bulgular\u0131 ayr\u0131ca “bir\u00e7ok kirac\u0131n\u0131n ve d\u00fc\u015f\u00fck gelirli hane halk\u0131n\u0131n artan ya\u015fam maliyetleriyle ba\u015fa \u00e7\u0131kmak i\u00e7in \u00f6n\u00fcm\u00fczdeki on iki ay i\u00e7inde tasarruflar\u0131n\u0131 daha da azaltmay\u0131 planlad\u0131\u011f\u0131n\u0131” g\u00f6sterdi.<\/p>\n

Hane halk\u0131 finansman\u0131 \u00fczerindeki bask\u0131ya ra\u011fmen, Merkez Bankas\u0131, ekonomi ve finans sekt\u00f6r\u00fc i\u00e7in genel risk ortam\u0131n\u0131n b\u00fcy\u00fck \u00f6l\u00e7\u00fcde istikrarl\u0131 kald\u0131\u011f\u0131n\u0131 vurgulad\u0131. Mali Politika Komitesi (FPC), bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn “ekonomik ve mali ko\u015fullar\u0131n beklenenden \u00f6nemli \u00f6l\u00e7\u00fcde daha k\u00f6t\u00fc olmas\u0131 durumunda bile hane halklar\u0131n\u0131 ve i\u015fletmeleri destekleme kapasitesine sahip oldu\u011funu” garanti etti. Ancak sekt\u00f6r, \u0130ngiltere, ABD ve Fransa gibi kilit \u00fclkelerde yakla\u015fan se\u00e7imlere ba\u011fl\u0131 “politika belirsizli\u011fi” de dahil olmak \u00fczere “k\u00fcresel k\u0131r\u0131lganl\u0131klarla” kar\u015f\u0131 kar\u015f\u0131ya.<\/p>\n

\"\"<\/a><\/div>","protected":false},"excerpt":{"rendered":"

\u0130ngiltere Merkez Bankas\u0131, \u00f6n\u00fcm\u00fczdeki iki y\u0131l i\u00e7inde yakla\u015f\u0131k \u00fc\u00e7 milyon Birle\u015fik Krall\u0131k hanesinin artan ipotek geri \u00f6demeleriyle kar\u015f\u0131 kar\u015f\u0131ya kalaca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Bankan\u0131n Mali Politika Komitesi (FPC), bu art\u0131\u015f\u0131n yakla\u015f\u0131k 400.000 hane i\u00e7in %50’den fazla “\u00e7ok b\u00fcy\u00fck art\u0131\u015flar” i\u00e7erece\u011fi konusunda uyard\u0131. Ancak Merkez Bankas\u0131, ekonomik g\u00f6r\u00fcn\u00fcm k\u00f6t\u00fcle\u015fse bile Birle\u015fik Krall\u0131k’taki kredi kurulu\u015flar\u0131n\u0131n hane halklar\u0131n\u0131 ve i\u015fletmeleri desteklemek i\u00e7in g\u00fc\u00e7l\u00fc bir konumda oldu\u011funu vurgulad\u0131. Bankan\u0131n son Finansal \u0130stikrar Raporu, bor\u00e7lanma maliyetlerinin 2022 y\u0131l\u0131nda \u00f6nemli \u00f6l\u00e7\u00fcde artmaya ba\u015flamas\u0131ndan bu yana \u00e7o\u011fu hane halk\u0131n\u0131n ipotek oranlar\u0131nda bir art\u0131\u015f ya\u015fad\u0131\u011f\u0131n\u0131 g\u00f6sterdi. Faiz oranlar\u0131 \u015fu anda 16 y\u0131l\u0131n en y\u00fcksek seviyesi olan %5,25’te bulunuyor ve Merkez […]<\/p>\n","protected":false},"author":11,"featured_media":18405,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-26041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-birlesik-krallik"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/26041","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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=26041"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/26041\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/18405"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=26041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=26041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=26041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}