{"id":29319,"date":"2025-01-08T16:24:47","date_gmt":"2025-01-08T16:24:47","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=29319"},"modified":"2025-01-08T16:24:47","modified_gmt":"2025-01-08T16:24:47","slug":"ilk-kez-ev-sahibi-olacaklari-bekleyen-yeni-duzenlemeler","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ilk-kez-ev-sahibi-olacaklari-bekleyen-yeni-duzenlemeler\/","title":{"rendered":"\u0130lk Kez Ev Sahibi Olacaklar\u0131 Bekleyen Yeni D\u00fczenlemeler"},"content":{"rendered":"<p>Halifax\u2019\u0131n a\u00e7\u0131klamas\u0131na g\u00f6re, \u0130ngiltere ve Kuzey \u0130rlanda\u2019da Nisan ay\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe girecek damga vergisi de\u011fi\u015fiklikleri, ilk kez ev sahibi olacaklar\u0131 harekete ge\u00e7irecek.<\/p>\n<p>Birle\u015fik Krall\u0131k genelindeki ev fiyatlar\u0131n\u0131n 2024 y\u0131l\u0131 sonunda ortalama 300.000 sterline yakla\u015ft\u0131\u011f\u0131n\u0131 belirten Halifax, y\u0131ll\u0131k bazda y\u00fczde 3,3\u2019l\u00fck bir art\u0131\u015f ya\u015fand\u0131\u011f\u0131n\u0131, ancak aral\u0131k ay\u0131nda fiyatlar\u0131n bir miktar d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klad\u0131. Bu verilere g\u00f6re, \u015fu an bir evin ortalama maliyeti 297.166 sterlin olarak hesaplan\u0131yor.<\/p>\n<p>Yeni d\u00fczenlemeyle birlikte, mevcut ev al\u0131c\u0131lar\u0131 i\u00e7in damga vergisi muafiyeti s\u0131n\u0131r\u0131 250.000 sterlinden 125.000 sterline d\u00fc\u015f\u00fcr\u00fclecek. \u0130lk kez ev sahibi olanlar i\u00e7in mevcut s\u0131n\u0131r ise 425.000 sterlinden 300.000 sterline indirilecek.<\/p><div id=\"briti-2589906936\" 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<h4>Konut Fiyatlar\u0131ndaki Art\u0131\u015f ve Zorluklar<\/h4>\n<p>Halifax\u2019\u0131n verileri, 2024\u2019te konut piyasas\u0131n\u0131n dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 g\u00f6sterirken, Nationwide\u2019\u0131n payla\u015ft\u0131\u011f\u0131 veriler y\u0131ll\u0131k y\u00fczde 4,7\u2019lik bir fiyat art\u0131\u015f\u0131 oldu\u011funu ortaya koydu. Nationwide\u2019a g\u00f6re ortalama ev fiyat\u0131 270.000 sterlin civar\u0131nda bulunuyor. \u0130ki kurumun verileri, yaln\u0131zca ipotekle al\u0131nan evleri kapsad\u0131\u011f\u0131ndan, nakit al\u0131mlar\u0131 ve kiraya verme amac\u0131yla yap\u0131lan al\u0131mlar de\u011ferlendirmeye dahil edilmedi.<\/p>\n<p>Halifax\u2019\u0131n ipotek m\u00fcd\u00fcr\u00fc Amanda Bryden, de\u011fi\u015fikliklerin ilk kez ev sahibi olacaklar i\u00e7in motivasyon sa\u011flayaca\u011f\u0131n\u0131 belirtirken, <strong>&#8220;\u0130stihdam ko\u015fullar\u0131 ciddi bir \u015fekilde k\u00f6t\u00fcle\u015fmezse, al\u0131c\u0131 talebinin olduk\u00e7a iyi seyretmesini bekliyoruz. Ancak ipotek \u00f6deme g\u00fcc\u00fc bir\u00e7ok ki\u015fi i\u00e7in h\u00e2l\u00e2 b\u00fcy\u00fck bir engel olmaya devam edecek&#8221;<\/strong> dedi.<\/p>\n<h4>De\u011fi\u015fikliklerin Etkisi ve Beklentiler<\/h4>\n<p>Uzmanlara g\u00f6re, damga vergisi de\u011fi\u015fiklikleri \u00f6ncesinde konut sat\u0131\u015flar\u0131nda art\u0131\u015f g\u00f6r\u00fclebilir. BBC&#8217;nin haberine g\u00f6re ancak yeni d\u00fczenlemenin devreye girmesiyle birlikte talebin azalmas\u0131 bekleniyor. <strong>Bestinvest analisti Alice Haine<\/strong>, \u00f6zellikle ilk kez ev sahibi olacaklar\u0131n, hem depozito biriktirme hem de y\u00fckselen vergilerle ba\u015fa \u00e7\u0131kma konusunda zorlanaca\u011f\u0131n\u0131 ifade etti.<\/p>\n<p>2024\u2019te faiz oranlar\u0131nda kademeli d\u00fc\u015f\u00fc\u015f beklentisi, ipotek anla\u015fmalar\u0131n\u0131n maliyetlerini azaltabilir. Ancak <strong>\u0130ngiltere Merkez Bankas\u0131 Ba\u015fkan\u0131 Andrew Bailey<\/strong>, mevcut k\u00fcresel belirsizlikler nedeniyle faiz oranlar\u0131n\u0131n ne zaman ve ne kadar d\u00fc\u015fece\u011fi konusunda kesin bir tahminde bulunman\u0131n zor oldu\u011funu belirtti.<\/p>\n<h4>Konut Al\u0131mlar\u0131n\u0131 Kolayla\u015ft\u0131racak \u00d6neriler<\/h4>\n<p>Uzmanlar, mortgage \u00f6demelerini daha uygun hale getirmek i\u00e7in \u015fu ad\u0131mlar\u0131 \u00f6neriyor:<\/p>\n<ul>\n<li>D\u00fc\u015f\u00fck faizli ipotek d\u00f6neminde fazla \u00f6deme yaparak gelecekte tasarruf sa\u011flamak.<\/li>\n<li>Sadece faiz \u00f6demeli ipotek se\u00e7ene\u011fi ile ayl\u0131k maliyetleri azaltmak.<\/li>\n<li>\u0130potek s\u00fcresini uzatarak \u00f6demeleri daha makul bir seviyeye \u00e7ekmek.<\/li>\n<\/ul>\n<p>Halifax ve Nationwide\u2019\u0131n payla\u015ft\u0131\u011f\u0131 verilere g\u00f6re, farkl\u0131 b\u00f6lgelerdeki fiyat dalgalanmalar\u0131 g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda, konut piyasas\u0131ndaki hareketlilik, hem al\u0131c\u0131lar hem de sat\u0131c\u0131lar i\u00e7in 2025 y\u0131l\u0131nda da dikkatle izlenmeye devam edecek.<\/p>\n<div id=\"briti-3308060677\" 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>Halifax\u2019\u0131n a\u00e7\u0131klamas\u0131na g\u00f6re, \u0130ngiltere ve Kuzey \u0130rlanda\u2019da Nisan ay\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe girecek damga vergisi de\u011fi\u015fiklikleri, ilk kez ev sahibi olacaklar\u0131 harekete ge\u00e7irecek. Birle\u015fik Krall\u0131k genelindeki ev fiyatlar\u0131n\u0131n 2024 y\u0131l\u0131 sonunda ortalama 300.000 sterline yakla\u015ft\u0131\u011f\u0131n\u0131 belirten Halifax, y\u0131ll\u0131k bazda y\u00fczde 3,3\u2019l\u00fck bir art\u0131\u015f ya\u015fand\u0131\u011f\u0131n\u0131, ancak aral\u0131k ay\u0131nda fiyatlar\u0131n bir miktar d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131klad\u0131. Bu verilere g\u00f6re, \u015fu an bir evin ortalama maliyeti 297.166 sterlin olarak hesaplan\u0131yor. Yeni d\u00fczenlemeyle birlikte, mevcut ev al\u0131c\u0131lar\u0131 i\u00e7in damga vergisi muafiyeti s\u0131n\u0131r\u0131 250.000 sterlinden 125.000 sterline d\u00fc\u015f\u00fcr\u00fclecek. \u0130lk kez ev sahibi olanlar i\u00e7in mevcut s\u0131n\u0131r ise 425.000 sterlinden 300.000 sterline indirilecek. Konut Fiyatlar\u0131ndaki Art\u0131\u015f ve Zorluklar Halifax\u2019\u0131n verileri, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29320,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-29319","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\/29319","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=29319"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/29319\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/29320"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=29319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=29319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=29319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}