{"id":29564,"date":"2025-01-22T23:19:02","date_gmt":"2025-01-22T23:19:02","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=29564"},"modified":"2025-01-22T23:19:02","modified_gmt":"2025-01-22T23:19:02","slug":"birlesik-krallikta-mortgage-kurallari-degisiklik-beklentisi-siki-kredi-kurallarini-hafifletme-plani-gundemde","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/birlesik-krallikta-mortgage-kurallari-degisiklik-beklentisi-siki-kredi-kurallarini-hafifletme-plani-gundemde\/","title":{"rendered":"Birle\u015fik Krall\u0131k&#8217;ta Mortgage Kurallar\u0131 De\u011fi\u015fiklik Beklentisi: S\u0131k\u0131 Kredi Kurallar\u0131n\u0131 Hafifletme Plan\u0131 G\u00fcndemde"},"content":{"rendered":"<p><strong>Birle\u015fik Krall\u0131k Finansal Y\u00fcr\u00fctme Otoritesi (FCA),<\/strong> mortgage piyasas\u0131nda \u00f6nemli bir de\u011fi\u015fikli\u011fe haz\u0131rlan\u0131yor. 2008 finansal krizinin ard\u0131ndan uygulamaya konulan s\u0131k\u0131 kredi kurallar\u0131n\u0131 hafifletmeyi planlayan d\u00fczenleyici kurum, bu hamlenin, kredi almay\u0131 zor bulan t\u00fcketicilere kolayl\u0131k sa\u011flayabilece\u011fini belirtti.<\/p>\n<h4>Ba\u015fbakan\u0131n B\u00fcy\u00fcme \u00c7a\u011fr\u0131s\u0131 ve FCA\u2019n\u0131n Yakla\u015f\u0131m\u0131<\/h4>\n<p>FCA, Ba\u015fbakan Keir Starmer&#8217;\u0131n t\u00fcm d\u00fczenleyici kurumlara b\u00fcy\u00fcmeyi te\u015fvik edecek yollar bulma \u00e7a\u011fr\u0131s\u0131ndan haftalar sonra harekete ge\u00e7me sinyali verdi. Kurum, d\u00fc\u015f\u00fck bor\u00e7 geri \u00f6deme eksikli\u011fi ve ipotekli evlerin elden \u00e7\u0131kar\u0131lma oranlar\u0131n\u0131n d\u00fc\u015f\u00fckl\u00fc\u011f\u00fc nedeniyle mevcut kurallar\u0131n fazla kat\u0131 olup olmad\u0131\u011f\u0131n\u0131n sorgulanmas\u0131 gerekti\u011fini ifade etti.<\/p>\n<blockquote><p><span style=\"color: #339966;\"><strong>Ancak uzmanlar, bu de\u011fi\u015fikliklerin dikkatlice yap\u0131lmas\u0131 gerekti\u011fi konusunda uyar\u0131larda bulunuyor.<\/strong><\/span><\/p><\/blockquote>\n<h4>Uzman G\u00f6r\u00fc\u015fleri<\/h4>\n<p>Moneyfacts finans uzman\u0131 Rachel Springall, &#8220;Kredi kurallar\u0131n\u0131n gev\u015fetilmesi, \u015fu anda t\u00fcm gereklilikleri kar\u015f\u0131layamayanlar i\u00e7in bir can simidi olabilir. Ancak gelir \u00e7arpanlar\u0131 gibi kriterlerde yap\u0131lacak de\u011fi\u015fiklikler dikkatle ele al\u0131nmal\u0131, b\u00f6ylece t\u00fcketicilerin ipoteklerini rahat\u00e7a kar\u015f\u0131layabilmeleri sa\u011flanmal\u0131&#8221; dedi. Springall, bor\u00e7 miktar\u0131n\u0131n a\u015f\u0131r\u0131 art\u0131r\u0131lmas\u0131n\u0131n, konut fiyatlar\u0131n\u0131n d\u00fc\u015fmesi durumunda negatif \u00f6zkayna\u011fa yol a\u00e7abilece\u011fi ve bunun da ipotek temerr\u00fctlerinde art\u0131\u015fa neden olabilece\u011fini ekledi.<\/p><div id=\"briti-310444510\" 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<div id=\"attachment_29562\" style=\"width: 2570px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-29562\" class=\"size-full wp-image-29562\" src=\"https:\/\/by-tv.co.uk\/wp-content\/uploads\/2025\/01\/bytv-4_1-1-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1440\" title=\"\"><p id=\"caption-attachment-29562\" class=\"wp-caption-text\">Londra<\/p><\/div>\n<p>Knight Frank Finance y\u00f6neticisi Simon Gammon ise, 2025&#8217;in ilk yar\u0131s\u0131nda konut piyasas\u0131nda yava\u015f bir d\u00f6nem olmas\u0131n\u0131n muhtemel oldu\u011funu s\u00f6yledi.<\/p>\n<blockquote><p><strong><span style=\"color: #339966;\">Gammon, &#8220;Bor\u00e7 verenler, bu y\u0131l\u0131n ba\u015flar\u0131n\u0131n konut piyasas\u0131nda durgun bir d\u00f6nem olaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyor ve mevcut durum bunu destekliyor gibi g\u00f6r\u00fcn\u00fcyor&#8221; dedi. Ayr\u0131ca, son d\u00f6nemdeki tahvil piyasas\u0131 dalgalanmalar\u0131n\u0131n baz\u0131 ipotek maliyetlerini etkileyebilece\u011fini vurgulad\u0131.<\/span><\/strong><\/p><\/blockquote>\n<h4>Konut Piyasas\u0131ndaki Geli\u015fmeler<\/h4>\n<p>Konut piyasas\u0131nda uyar\u0131lara ra\u011fmen, yeni y\u0131l\u0131n ba\u015f\u0131nda fiyatlarda son y\u0131llar\u0131n en b\u00fcy\u00fck art\u0131\u015f\u0131 ya\u015fand\u0131. Rightmove&#8217;a g\u00f6re, Ocak ay\u0131nda ortalama talep fiyat\u0131 yakla\u015f\u0131k 6.000 sterlin artarak 366.189 sterline y\u00fckseldi. Ancak bu, May\u0131s 2024\u2019te kaydedilen rekor fiyat\u0131n h\u00e2l\u00e2 8.942 sterlin alt\u0131nda. Bu durum, al\u0131c\u0131lar\u0131n b\u00fct\u00e7e k\u0131s\u0131tlamalar\u0131n\u0131 yans\u0131tmaya devam ediyor.<\/p>\n<p>Mortgage talebinin d\u00fc\u015fmesinin beklendi\u011fi bir d\u00f6nemde, kurallar\u0131n gev\u015fetilmesi tart\u0131\u015fmalar\u0131, kredi eri\u015fimini art\u0131rma potansiyeli ile dikkat \u00e7ekiyor. Ancak, hem t\u00fcketiciler hem de piyasalar \u00fczerindeki uzun vadeli etkiler dikkatle izlenmeli.<\/p>\n<div id=\"briti-3023647688\" 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>Birle\u015fik Krall\u0131k Finansal Y\u00fcr\u00fctme Otoritesi (FCA), mortgage piyasas\u0131nda \u00f6nemli bir de\u011fi\u015fikli\u011fe haz\u0131rlan\u0131yor. 2008 finansal krizinin ard\u0131ndan uygulamaya konulan s\u0131k\u0131 kredi kurallar\u0131n\u0131 hafifletmeyi planlayan d\u00fczenleyici kurum, bu hamlenin, kredi almay\u0131 zor bulan t\u00fcketicilere kolayl\u0131k sa\u011flayabilece\u011fini belirtti. Ba\u015fbakan\u0131n B\u00fcy\u00fcme \u00c7a\u011fr\u0131s\u0131 ve FCA\u2019n\u0131n Yakla\u015f\u0131m\u0131 FCA, Ba\u015fbakan Keir Starmer&#8217;\u0131n t\u00fcm d\u00fczenleyici kurumlara b\u00fcy\u00fcmeyi te\u015fvik edecek yollar bulma \u00e7a\u011fr\u0131s\u0131ndan haftalar sonra harekete ge\u00e7me sinyali verdi. Kurum, d\u00fc\u015f\u00fck bor\u00e7 geri \u00f6deme eksikli\u011fi ve ipotekli evlerin elden \u00e7\u0131kar\u0131lma oranlar\u0131n\u0131n d\u00fc\u015f\u00fckl\u00fc\u011f\u00fc nedeniyle mevcut kurallar\u0131n fazla kat\u0131 olup olmad\u0131\u011f\u0131n\u0131n sorgulanmas\u0131 gerekti\u011fini ifade etti. Ancak uzmanlar, bu de\u011fi\u015fikliklerin dikkatlice yap\u0131lmas\u0131 gerekti\u011fi konusunda uyar\u0131larda bulunuyor. Uzman G\u00f6r\u00fc\u015fleri Moneyfacts finans uzman\u0131 Rachel [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-29564","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\/29564","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=29564"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/29564\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/29529"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=29564"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=29564"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=29564"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}