{"id":29622,"date":"2025-01-30T18:29:15","date_gmt":"2025-01-30T18:29:15","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=29622"},"modified":"2025-01-30T18:29:15","modified_gmt":"2025-01-30T18:29:15","slug":"ingiltere-mortgage-onaylari-artista-alicilar-damga-vergisi-degisikliklerinden-once-harekete-geciyor","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ingiltere-mortgage-onaylari-artista-alicilar-damga-vergisi-degisikliklerinden-once-harekete-geciyor\/","title":{"rendered":"\u0130ngiltere&#8217;de Mortgage Onaylar\u0131 Art\u0131\u015fta: Al\u0131c\u0131lar Damga Vergisi De\u011fi\u015fikliklerinden \u00d6nce Harekete Ge\u00e7iyor"},"content":{"rendered":"<p>\u0130ngiltere Merkez Bankas\u0131&#8217;n\u0131n a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re, Aral\u0131k ay\u0131nda 66.500 mortgage onay\u0131 verildi. Kas\u0131m ay\u0131nda bu say\u0131 66.100 iken, ekonomistler onaylar\u0131n 65.000\u2019e gerilemesini bekliyordu. Ancak yeniden finansman (remortgaging) onaylar\u0131 ise 700 azalarak 30.500\u2019e d\u00fc\u015ft\u00fc ve ikinci ay \u00fcst \u00fcste gerileme kaydetti.<\/p>\n<h3>Ekonomik Beklentilere Ra\u011fmen Art\u0131\u015f S\u00fcrpriz Oldu<\/h3>\n<p>KPMG\u2019nin k\u00fcresel ve Birle\u015fik Krall\u0131k finansal hizmetler birimi ba\u015fkan\u0131 Karim Haji, &#8220;Mortgage oranlar\u0131n\u0131n y\u00fckselmesi ve zorlu ekonomik g\u00f6r\u00fcn\u00fcme ra\u011fmen Aral\u0131k ay\u0131nda mortgage onaylar\u0131n\u0131n artmas\u0131 \u015fa\u015f\u0131rt\u0131c\u0131&#8221; dedi.<\/p>\n<p>Capital Economics&#8217;in Birle\u015fik Krall\u0131k ekonomisti Ashley Webb ise verilerin, t\u00fcketici g\u00fcvenindeki son d\u00fc\u015f\u00fc\u015f\u00fcn hane halk\u0131n\u0131n mali kararlar\u0131n\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde etkilemedi\u011fini g\u00f6sterdi\u011fini belirtti. Analistlere g\u00f6re, y\u00fckselen gelirler ve g\u00fc\u00e7l\u00fc hane halk\u0131 bilan\u00e7olar\u0131, t\u00fcketicilerin bu zorluklara kar\u015f\u0131 daha diren\u00e7li olmas\u0131n\u0131 sa\u011fl\u0131yor.<\/p><div id=\"briti-694362642\" 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<h3>Damga Vergisi De\u011fi\u015fiklikleri Al\u0131c\u0131lar\u0131 Harekete Ge\u00e7irdi<\/h3>\n<p>Ekim ay\u0131nda duyurulan ve Nisan ay\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe girecek olan damga vergisi de\u011fi\u015fiklikleri, \u00f6zellikle ilk kez ev alacaklar\u0131 etkiliyor. \u015eu anda, ilk kez ev alanlar i\u00e7in \u00a3425.000\u2019e kadar olan m\u00fclk al\u0131mlar\u0131nda damga vergisi muafiyeti bulunuyor. Ancak bu muafiyetin sona ermesiyle, ilk kez ev alacaklar di\u011fer al\u0131c\u0131larla ayn\u0131 vergilendirme oran\u0131na tabi olacak.<\/p>\n<p>City AM&#8217;e konu\u015fan Octane Capital\u2019in CEO\u2019su Jonathan Samuels, &#8220;Bu hareketlilik b\u00fcy\u00fck \u00f6l\u00e7\u00fcde yakla\u015fan damga vergisi de\u011fi\u015fikliklerinden \u00f6nce al\u0131m yapmak isteyen al\u0131c\u0131lar taraf\u0131ndan tetiklendi&#8221; dedi.<\/p>\n<p>Bestinvest ki\u015fisel finans analisti Alice Haine ise k\u0131sa vadede bu karar\u0131n konut piyasas\u0131nda al\u0131mlar\u0131 art\u0131raca\u011f\u0131n\u0131, ancak etkinin uzun \u00f6m\u00fcrl\u00fc olmayaca\u011f\u0131n\u0131 belirtti.<\/p>\n<h3>Konut Talebi Art\u0131\u015fta<\/h3>\n<p>Zoopla\u2019n\u0131n son verilerine g\u00f6re, Ocak ay\u0131nda al\u0131c\u0131 talebi y\u0131ll\u0131k bazda y\u00fczde 13 artt\u0131 ve son \u00fc\u00e7 y\u0131l\u0131n en g\u00fc\u00e7l\u00fc ba\u015flang\u0131c\u0131 kaydedildi.<\/p>\n<p>\u00d6te yandan, t\u00fcketici kredisi de Aral\u0131k ay\u0131nda bir \u00f6nceki aya g\u00f6re artarak \u00a3900 milyon\u2019dan \u00a31 milyara y\u00fckseldi. Ancak t\u00fcketici bor\u00e7lanmas\u0131n\u0131n y\u0131ll\u0131k b\u00fcy\u00fcme oran\u0131 y\u00fczde 6,6\u2019dan y\u00fczde 6,5\u2019e hafif\u00e7e geriledi.<\/p>\n<p>Capital Economics\u2019ten Webb, &#8220;Bug\u00fcnk\u00fc veriler, ge\u00e7en y\u0131l\u0131n sonunda ekonomideki zay\u0131fl\u0131\u011f\u0131n, hane halk\u0131n\u0131n bor\u00e7lanma ve tasarruf kararlar\u0131 \u00fczerinde belirgin bir bask\u0131 olu\u015fturmad\u0131\u011f\u0131n\u0131 g\u00f6steriyor&#8221; de\u011ferlendirmesinde bulundu.<\/p>\n<div id=\"briti-2711113730\" 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>\u0130ngiltere Merkez Bankas\u0131&#8217;n\u0131n a\u00e7\u0131klad\u0131\u011f\u0131 verilere g\u00f6re, Aral\u0131k ay\u0131nda 66.500 mortgage onay\u0131 verildi. Kas\u0131m ay\u0131nda bu say\u0131 66.100 iken, ekonomistler onaylar\u0131n 65.000\u2019e gerilemesini bekliyordu. Ancak yeniden finansman (remortgaging) onaylar\u0131 ise 700 azalarak 30.500\u2019e d\u00fc\u015ft\u00fc ve ikinci ay \u00fcst \u00fcste gerileme kaydetti. Ekonomik Beklentilere Ra\u011fmen Art\u0131\u015f S\u00fcrpriz Oldu KPMG\u2019nin k\u00fcresel ve Birle\u015fik Krall\u0131k finansal hizmetler birimi ba\u015fkan\u0131 Karim Haji, &#8220;Mortgage oranlar\u0131n\u0131n y\u00fckselmesi ve zorlu ekonomik g\u00f6r\u00fcn\u00fcme ra\u011fmen Aral\u0131k ay\u0131nda mortgage onaylar\u0131n\u0131n artmas\u0131 \u015fa\u015f\u0131rt\u0131c\u0131&#8221; dedi. Capital Economics&#8217;in Birle\u015fik Krall\u0131k ekonomisti Ashley Webb ise verilerin, t\u00fcketici g\u00fcvenindeki son d\u00fc\u015f\u00fc\u015f\u00fcn hane halk\u0131n\u0131n mali kararlar\u0131n\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde etkilemedi\u011fini g\u00f6sterdi\u011fini belirtti. Analistlere g\u00f6re, y\u00fckselen gelirler ve g\u00fc\u00e7l\u00fc [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29624,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-29622","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\/29622","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=29622"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/29622\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/29624"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=29622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=29622"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=29622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}