{"id":26046,"date":"2024-06-29T00:35:51","date_gmt":"2024-06-28T23:35:51","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=26046"},"modified":"2024-06-29T00:35:51","modified_gmt":"2024-06-28T23:35:51","slug":"lloyds-bank-ceosu-mortgage-faiz-oranlarinda-yeni-normal-45-olacak","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/lloyds-bank-ceosu-mortgage-faiz-oranlarinda-yeni-normal-45-olacak\/","title":{"rendered":"Lloyds Bank CEO’su: “Mortgage Faiz Oranlar\u0131nda Yeni Normal %4,5 Olacak”"},"content":{"rendered":"

\u0130ngiltere’nin en b\u00fcy\u00fck ipotek kredisi kurulu\u015funun ba\u015fkan\u0131 Charlie Nunn, ev sahiplerini ipotek oranlar\u0131n\u0131n %4’\u00fcn \u00fczerinde kalaca\u011f\u0131 konusunda uyard\u0131. Bir\u00e7ok ev sahibi, mortgage seviyelerinin pandemi \u00f6ncesi oranlara d\u00f6nmesini sa\u011flayabilecek bir  faiz indirimi bekliyor. Ancak Lloyds Banking Group’un CEO’su Nunn, bu beklentiye kar\u015f\u0131 kasvetli bir tablo \u00e7izdi. Covid salg\u0131n\u0131 s\u0131ras\u0131nda mortgage faiz oranlar\u0131 2020 ve 2021’de tarihi d\u00fc\u015f\u00fck seviyelere gerileyerek bir\u00e7ok kredi kurulu\u015fu ev sahiplerine %3’\u00fcn alt\u0131nda oranlar sundu.<\/p>\n

Bu durum, enflasyonun h\u0131zla y\u00fckseldi\u011fi ve ipotek faiz oranlar\u0131n\u0131n 2002’den bu yana en y\u00fcksek seviyelere \u00e7\u0131kt\u0131\u011f\u0131 2022 y\u0131l\u0131nda de\u011fi\u015fti. Ortalama ipotek oran\u0131 \u015fu anda %5 civar\u0131nda seyrediyor ve Nunn, bu yaz \u0130ngiltere Merkez Bankas\u0131’n\u0131n herhangi bir baz faiz indiriminden ba\u011f\u0131ms\u0131z olarak bunun ‘yeni normal’ oldu\u011funu belirtti.<\/p>\n

Nunn, faiz indirimlerinin k\u0131sa vadeli etkisinin devlet bor\u00e7lar\u0131n\u0131n maliyeti \u00fczerinde olaca\u011f\u0131n\u0131, ancak \u0130ngiltere’deki daha geni\u015f t\u00fcketici kitlesi \u00fczerindeki etkisinin daha uzun s\u00fcrece\u011fini a\u00e7\u0131klad\u0131.<\/p>

\"\"<\/a><\/div>\n

Nunn yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, “\u00d6zellikle konut kredileri konusunda, konut kredilerinin %1,5-2,5 aral\u0131\u011f\u0131nda oldu\u011fu on y\u0131ll\u0131k bir d\u00f6nemden yeni \u00e7\u0131kt\u0131k. Piyasan\u0131n beklentisi, faiz oranlar\u0131n\u0131n muhtemelen %3,5’in alt\u0131na d\u00fc\u015fmeyece\u011fi y\u00f6n\u00fcnde. Bu da ipotekli konut kredileri i\u00e7in yeni normalin %1,5-2,5 de\u011fil, %3,5-4,5 aral\u0131\u011f\u0131nda olaca\u011f\u0131 anlam\u0131na geliyor. Dolay\u0131s\u0131yla, \u015fu anda g\u00f6rd\u00fc\u011f\u00fcm\u00fcz kadar\u0131yla ekonomide daha y\u00fcksek bir bor\u00e7lanma maliyeti olacak. Ancak faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesi, h\u00fck\u00fcmetin yat\u0131r\u0131m yapma kapasitesi i\u00e7in iyi olacak, ekonomiyi destekleyecek ve i\u015f d\u00fcnyas\u0131 i\u00e7in de olumlu olacakt\u0131r,” dedi.<\/p>\n

Kredi Kurulu\u015flar\u0131 Mortgage Oranlar\u0131n\u0131 D\u00fc\u015f\u00fcrmeye Ba\u015flad\u0131<\/strong><\/h5>\n

Bu yaz bir faiz indirimi beklentisiyle, HSBC ve Skipton Building Society dahil olmak \u00fczere bir\u00e7ok kredi kurulu\u015fu mortgage oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrmeye ba\u015flad\u0131.<\/p>\n

HSBC, konut ve sat\u0131n al-kirala oranlar\u0131nda bir dizi iki, \u00fc\u00e7 ve be\u015f y\u0131ll\u0131k oranlar\u0131n maliyetini d\u00fc\u015f\u00fcrd\u00fc. Konut kredisi i\u00e7in %60 kredi de\u011ferinde iki y\u0131ll\u0131k sabit oran \u015fimdi \u00a3999 \u00fccretle % 4,88’den ba\u015fl\u0131yor (\u00fccretsiz se\u00e7enek %5,18’den ba\u015fl\u0131yor) ve e\u015fde\u011fer be\u015f y\u0131ll\u0131k sabit oran \u015fimdi 999 \u00a3 \u00fccretle %4,44 (veya \u00fccretsiz %4,64).<\/p>\n

Skipton Building Society de belirli konut ve sat\u0131n al-kirala (BTL) anla\u015fmalar\u0131nda indirim yapt\u0131. Ev sat\u0131n almak i\u00e7in, iki y\u0131ll\u0131k sabit oranlar \u00a3495   \u00fccretle %5,18’den veya be\u015f y\u0131ll\u0131k oranlar \u00a31.295  \u00fccretle %4,64’ten ba\u015fl\u0131yor. Her iki anla\u015fma da en az %40 nakit depozitosu olan bor\u00e7lular i\u00e7in ge\u00e7erli.<\/p>\n

Konut kredisi i\u00e7in iki y\u0131ll\u0131k sabit oran \u00a3495  \u00fccretle %5,19 (kredinin de\u011fere oran\u0131 %60). E\u015fde\u011fer be\u015f y\u0131ll\u0131k sabit oran anla\u015fmas\u0131 ise \u00a31.295  \u00fccretle %4,65’ten sunuluyor.<\/p>\n

 <\/p>\n

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

\u0130ngiltere’nin en b\u00fcy\u00fck ipotek kredisi kurulu\u015funun ba\u015fkan\u0131 Charlie Nunn, ev sahiplerini ipotek oranlar\u0131n\u0131n %4’\u00fcn \u00fczerinde kalaca\u011f\u0131 konusunda uyard\u0131. Bir\u00e7ok ev sahibi, mortgage seviyelerinin pandemi \u00f6ncesi oranlara d\u00f6nmesini sa\u011flayabilecek bir  faiz indirimi bekliyor. Ancak Lloyds Banking Group’un CEO’su Nunn, bu beklentiye kar\u015f\u0131 kasvetli bir tablo \u00e7izdi. Covid salg\u0131n\u0131 s\u0131ras\u0131nda mortgage faiz oranlar\u0131 2020 ve 2021’de tarihi d\u00fc\u015f\u00fck seviyelere gerileyerek bir\u00e7ok kredi kurulu\u015fu ev sahiplerine %3’\u00fcn alt\u0131nda oranlar sundu. Bu durum, enflasyonun h\u0131zla y\u00fckseldi\u011fi ve ipotek faiz oranlar\u0131n\u0131n 2002’den bu yana en y\u00fcksek seviyelere \u00e7\u0131kt\u0131\u011f\u0131 2022 y\u0131l\u0131nda de\u011fi\u015fti. Ortalama ipotek oran\u0131 \u015fu anda %5 civar\u0131nda seyrediyor ve Nunn, bu yaz \u0130ngiltere Merkez […]<\/p>\n","protected":false},"author":11,"featured_media":10642,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[3227],"tags":[],"class_list":["post-26046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emlak"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/26046","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=26046"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/26046\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/10642"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=26046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=26046"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=26046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}