{"id":32379,"date":"2025-07-29T06:38:20","date_gmt":"2025-07-29T05:38:20","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=32379"},"modified":"2025-07-29T06:38:20","modified_gmt":"2025-07-29T05:38:20","slug":"yeni-ipotek-kurallari-ingiltere-konut-piyasasinda-yaz-durgunlugunu-onledi","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/yeni-ipotek-kurallari-ingiltere-konut-piyasasinda-yaz-durgunlugunu-onledi\/","title":{"rendered":"Yeni \u0130potek Kurallar\u0131, \u0130ngiltere Konut Piyasas\u0131nda Yaz Durgunlu\u011funu \u00d6nledi"},"content":{"rendered":"

\u0130ngiltere\u2019de geleneksel yaz durgunlu\u011fu bu y\u0131l konut piyasas\u0131nda ya\u015fanmad\u0131. Zoopla\u2019n\u0131n yay\u0131mlad\u0131\u011f\u0131 son rapora g\u00f6re, art\u0131r\u0131lm\u0131\u015f kredi eri\u015fimi ve rekor d\u00fczeydeki konut arz\u0131, piyasada “al\u0131c\u0131 avantaj\u0131n\u0131n” h\u00e2kim olmas\u0131n\u0131 sa\u011flad\u0131.<\/p>\n

Haziran 2025 itibar\u0131yla Birle\u015fik Krall\u0131k\u2019ta ortalama konut fiyat\u0131 y\u0131ll\u0131k %1,3 art\u0131\u015fla 268.400 sterline y\u00fckseldi. Ancak Zoopla, 2025 y\u0131l\u0131 i\u00e7in konut fiyatlar\u0131ndaki art\u0131\u015f beklentisini %2\u2019den %1\u2019e \u00e7ekti. Bu d\u00fc\u015f\u00fc\u015fte, \u0130ngiltere ve Kuzey \u0130rlanda\u2019da Mart sonunda sona eren damga vergisi tatilinin etkisiyle al\u0131c\u0131lar\u0131n tekliflerinde bu ek maliyeti dikkate almas\u0131 belirleyici oldu.<\/p>\n

Konut kredilerinde yeni d\u00f6nem: Al\u0131m g\u00fcc\u00fc artt\u0131<\/strong><\/h4>\n

Zoopla, h\u00fck\u00fcmet destekli yeni ipotek de\u011ferlendirme kurallar\u0131n\u0131n piyasadaki canlanman\u0131n ana unsurlar\u0131ndan biri oldu\u011funu vurgulad\u0131. Yeni d\u00fczenlemeler sayesinde, krediyle ev almak isteyen al\u0131c\u0131lar, yaln\u0131zca \u00fc\u00e7 ay \u00f6ncesine k\u0131yasla %20 daha fazla bor\u00e7lanabiliyor. \u0130potek faizlerinin sabit kalmas\u0131 da bu e\u011filimi destekliyor.<\/p>

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

Zoopla Ara\u015ft\u0131rma Direkt\u00f6r\u00fc Richard Donnell, konut piyasas\u0131n\u0131 \u201cgenel olarak dengeli\u201d olarak tan\u0131mlayarak, \u201cSa\u011fl\u0131kl\u0131 d\u00fczeyde talep ve sat\u0131\u015f s\u00f6z konusu, ancak bu fiyatlarda h\u0131zl\u0131 art\u0131\u015fa yol a\u00e7m\u0131yor. \u00d6zellikle \u0130ngiltere\u2019nin g\u00fcneyindeki y\u00fcksek arz, fiyatlar\u0131n kontroll\u00fc kalmas\u0131n\u0131 sa\u011fl\u0131yor,\u201d dedi.<\/p>\n

B\u00f6lgesel farkl\u0131l\u0131klar dikkat \u00e7ekiyor<\/strong><\/h4>\n

Haziran ay\u0131nda kaydedilen y\u0131ll\u0131k %1,3\u2019l\u00fck fiyat art\u0131\u015f\u0131na ra\u011fmen, b\u00f6lgesel veriler \u00f6nemli farkl\u0131l\u0131klar g\u00f6steriyor. \u0130sko\u00e7ya, Galler ve Kuzey \u0130ngiltere\u2019de fiyatlar %2 ila %3 oran\u0131nda artarken, g\u00fcneydeki art\u0131\u015flar olduk\u00e7a s\u0131n\u0131rl\u0131 kald\u0131: G\u00fcneydo\u011fu ve Londra\u2019da %0,2, G\u00fcneybat\u0131\u2019da ise yaln\u0131zca %0,3. \u00d6zellikle Bat\u0131 Londra\u2019da konut fiyatlar\u0131 %1,5 oran\u0131nda d\u00fc\u015ferken; Truro, Torquay ve Exeter gibi kentlerde gerileme s\u0131ras\u0131yla %1,3, %1,2 ve %1,1 oldu.<\/p>\n

Donnell, \u201cDaha fazla konut arz\u0131 ve beklenenden y\u00fcksek kalan ipotek oranlar\u0131, fiyatlardaki zay\u0131f b\u00fcy\u00fcmenin temel nedenleri\u201d diye konu\u015ftu.<\/p>\n

Kiralarda rekor ama art\u0131\u015f h\u0131z\u0131 d\u00fc\u015f\u00fcyor<\/strong><\/h4>\n

Rightmove\u2019un verilerine g\u00f6re, 2025\u2019in ikinci \u00e7eyre\u011finde Birle\u015fik Krall\u0131k genelinde (Londra hari\u00e7) ortalama ilan edilen kira bedeli %1,2 artarak ayl\u0131k 1.365 sterlin ile rekor seviyeye ula\u015ft\u0131. Londra\u2019da bu rakam %0,5 art\u0131\u015fla 2.712 sterline \u00e7\u0131kt\u0131. Yeni kirac\u0131lar, 2020\u2019ye k\u0131yasla ayl\u0131k ortalama 417 sterlin daha fazla kira \u00f6d\u00fcyor. Bu art\u0131\u015f, ayn\u0131 d\u00f6nemde ortalama gelirde ya\u015fanan %36\u2019l\u0131k art\u0131\u015f\u0131n olduk\u00e7a \u00fczerinde.<\/p>\n

Ancak kira art\u0131\u015flar\u0131n\u0131n b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc pandemi d\u00f6neminde ya\u015fand\u0131. 2023\u2019ten bu yana, arz-talep dengesindeki kademeli toparlanma ile y\u0131ll\u0131k kira art\u0131\u015f h\u0131zlar\u0131 yava\u015flad\u0131. Mevcut kiral\u0131k konut say\u0131s\u0131 ge\u00e7en y\u0131la g\u00f6re %15 artsa da h\u00e2l\u00e2 2019 seviyesinin %29 gerisinde.<\/p>\n

Daha dengeli bir piyasa, ev sahiplerinin kirac\u0131 bulmakta zorlanmas\u0131na neden oldu. Pazarlama s\u00fcrecinde ilan edilen kiralar\u0131n %24\u2019\u00fc d\u00fc\u015f\u00fcr\u00fcld\u00fc; bu oran 2017\u2019den bu yana en y\u00fcksek seviye. Rightmove uzman\u0131 Colleen Babcock, \u201cY\u0131ll\u0131k kira art\u0131\u015flar\u0131 yava\u015flamaya devam ediyor. Arz ve talep daha normal seviyelere yakla\u015f\u0131yor ancak h\u00e2l\u00e2 2020 \u00f6ncesi d\u00fczeylerden uza\u011f\u0131z,\u201d ifadelerini kulland\u0131.<\/p>\n

Kaynak:<\/strong> Zoopla<\/em>, Rightmove<\/em> ve The Guardian<\/em><\/p>\n

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

\u0130ngiltere\u2019de geleneksel yaz durgunlu\u011fu bu y\u0131l konut piyasas\u0131nda ya\u015fanmad\u0131. Zoopla\u2019n\u0131n yay\u0131mlad\u0131\u011f\u0131 son rapora g\u00f6re, art\u0131r\u0131lm\u0131\u015f kredi eri\u015fimi ve rekor d\u00fczeydeki konut arz\u0131, piyasada “al\u0131c\u0131 avantaj\u0131n\u0131n” h\u00e2kim olmas\u0131n\u0131 sa\u011flad\u0131. Haziran 2025 itibar\u0131yla Birle\u015fik Krall\u0131k\u2019ta ortalama konut fiyat\u0131 y\u0131ll\u0131k %1,3 art\u0131\u015fla 268.400 sterline y\u00fckseldi. Ancak Zoopla, 2025 y\u0131l\u0131 i\u00e7in konut fiyatlar\u0131ndaki art\u0131\u015f beklentisini %2\u2019den %1\u2019e \u00e7ekti. Bu d\u00fc\u015f\u00fc\u015fte, \u0130ngiltere ve Kuzey \u0130rlanda\u2019da Mart sonunda sona eren damga vergisi tatilinin etkisiyle al\u0131c\u0131lar\u0131n tekliflerinde bu ek maliyeti dikkate almas\u0131 belirleyici oldu. Konut kredilerinde yeni d\u00f6nem: Al\u0131m g\u00fcc\u00fc artt\u0131 Zoopla, h\u00fck\u00fcmet destekli yeni ipotek de\u011ferlendirme kurallar\u0131n\u0131n piyasadaki canlanman\u0131n ana unsurlar\u0131ndan biri oldu\u011funu vurgulad\u0131. Yeni d\u00fczenlemeler […]<\/p>\n","protected":false},"author":11,"featured_media":32382,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-32379","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\/32379","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=32379"}],"version-history":[{"count":1,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/32379\/revisions"}],"predecessor-version":[{"id":32383,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/32379\/revisions\/32383"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/32382"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=32379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=32379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=32379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}