{"id":37941,"date":"2026-03-24T19:08:17","date_gmt":"2026-03-24T19:08:17","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=37941"},"modified":"2026-03-24T19:09:06","modified_gmt":"2026-03-24T19:09:06","slug":"dusuk-pesinatli-konut-kredileri-piyasadan-cekiliyor","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/dusuk-pesinatli-konut-kredileri-piyasadan-cekiliyor\/","title":{"rendered":"D\u00fc\u015f\u00fck pe\u015finatl\u0131 konut kredileri piyasadan \u00e7ekiliyor"},"content":{"rendered":"<p>\u0130ngiltere\u2019de konut kredisi piyasas\u0131nda faiz art\u0131\u015flar\u0131 h\u0131z kesmeden devam ederken, \u00f6zellikle <strong>d\u00fc\u015f\u00fck pe\u015finatl\u0131 mortgage se\u00e7enekleri<\/strong> \u00f6nemli \u00f6l\u00e7\u00fcde daralmaya ba\u015flad\u0131.<\/p>\n<p>BBC\u2019nin haberine g\u00f6re, bankalar artan belirsizlik nedeniyle ya faiz oranlar\u0131n\u0131 y\u00fckseltiyor ya da mevcut kredi tekliflerini piyasadan \u00e7ekiyor.<\/p>\n<h4>\u0130lk kez ev alacaklar en \u00e7ok etkilenen grup<\/h4>\n<p>Uzmanlar, yaln\u0131zca <strong>%5 pe\u015finatla ev almak isteyenler<\/strong> i\u00e7in sunulan iki y\u0131ll\u0131k sabit faizli kredilerde ortalama faizin <strong>%6\u2019n\u0131n \u00fczerine \u00e7\u0131kt\u0131\u011f\u0131n\u0131<\/strong> belirtiyor.<\/p><div id=\"briti-2541389823\" 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<p>Bu durum, \u00f6rne\u011fin <strong>250 bin sterlinlik bir kredi i\u00e7in y\u0131ll\u0131k yakla\u015f\u0131k 1.200 sterlin ek maliyet<\/strong> anlam\u0131na geliyor.<\/p>\n<p>Finans veri \u015firketi Moneyfacts\u2019tan <strong>Rachel Springall<\/strong>, piyasadaki dalgalanmaya dikkat \u00e7ekerek,<br \/>\n<strong>\u201cMortgage piyasas\u0131nda belirsizlik s\u00fcr\u00fcyor, bor\u00e7lanmak isteyenlerin ba\u011f\u0131ms\u0131z dan\u0131\u015fmanl\u0131k almas\u0131 kritik\u201d<\/strong> dedi.<\/p>\n<h4>Y\u00fczlerce kredi teklifi piyasadan \u00e7ekildi<\/h4>\n<p>Mart ay\u0131 ba\u015f\u0131ndan bu yana <strong>200\u2019den fazla d\u00fc\u015f\u00fck pe\u015finatl\u0131 mortgage \u00fcr\u00fcn\u00fc<\/strong> piyasadan kald\u0131r\u0131ld\u0131. Sadece bir g\u00fcnde 50\u2019den fazla teklifin geri \u00e7ekildi\u011fi belirtildi.<\/p>\n<p>Ayn\u0131 d\u00f6nemde ortalama faiz oranlar\u0131 da h\u0131zla y\u00fckseldi:<\/p>\n<ul>\n<li>\u0130ki y\u0131ll\u0131k sabit faiz: %4,83\u2019ten %5,51\u2019e \u00e7\u0131kt\u0131<\/li>\n<li>Be\u015f y\u0131ll\u0131k sabit faiz: %4,95\u2019ten %5,52\u2019ye y\u00fckseldi<\/li>\n<\/ul>\n<p>Bu oranlar son bir y\u0131l\u0131n en y\u00fcksek seviyeleri aras\u0131nda yer al\u0131yor.<\/p>\n<h4>Orta Do\u011fu gerilimi piyasay\u0131 etkiliyor<\/h4>\n<p>Uzmanlara g\u00f6re, <strong>ABD-\u0130srail\u2019in \u0130ran\u2019a y\u00f6nelik sald\u0131r\u0131lar\u0131yla ba\u015flayan kriz<\/strong>, enerji fiyatlar\u0131n\u0131 art\u0131rarak finans piyasalar\u0131nda dalgalanmaya yol a\u00e7t\u0131.<\/p>\n<p>Bu geli\u015fmeler, daha \u00f6nce beklenen faiz indirimlerini g\u00fcndemden \u00e7\u0131kar\u0131rken, yat\u0131r\u0131mc\u0131lar\u0131n <strong>faiz art\u0131\u015f\u0131 beklentisini<\/strong> g\u00fc\u00e7lendirdi.<\/p>\n<p>Mortgage dan\u0131\u015fman\u0131 <strong>Aaron Strutt<\/strong>, bankalar\u0131n fiyatlama yapmakta zorland\u0131\u011f\u0131n\u0131 belirterek,<br \/>\n<strong>\u201cEn uygun faiz oranlar\u0131 art\u0131k sadece birka\u00e7 g\u00fcn ge\u00e7erli olabiliyor\u201d<\/strong> dedi.<\/p>\n<h4>Belirsizlik s\u00fcrebilir<\/h4>\n<p>Uzmanlar, Orta Do\u011fu\u2019daki geli\u015fmeler netle\u015fene kadar mortgage piyasas\u0131nda <strong>dalgal\u0131 seyrin devam edece\u011fi<\/strong> uyar\u0131s\u0131nda bulunuyor.<\/p>\n<div id=\"briti-4055679270\" 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\u2019de konut kredisi piyasas\u0131nda faiz art\u0131\u015flar\u0131 h\u0131z kesmeden devam ederken, \u00f6zellikle d\u00fc\u015f\u00fck pe\u015finatl\u0131 mortgage se\u00e7enekleri \u00f6nemli \u00f6l\u00e7\u00fcde daralmaya ba\u015flad\u0131. BBC\u2019nin haberine g\u00f6re, bankalar artan belirsizlik nedeniyle ya faiz oranlar\u0131n\u0131 y\u00fckseltiyor ya da mevcut kredi tekliflerini piyasadan \u00e7ekiyor. \u0130lk kez ev alacaklar en \u00e7ok etkilenen grup Uzmanlar, yaln\u0131zca %5 pe\u015finatla ev almak isteyenler i\u00e7in sunulan iki y\u0131ll\u0131k sabit faizli kredilerde ortalama faizin %6\u2019n\u0131n \u00fczerine \u00e7\u0131kt\u0131\u011f\u0131n\u0131 belirtiyor. Bu durum, \u00f6rne\u011fin 250 bin sterlinlik bir kredi i\u00e7in y\u0131ll\u0131k yakla\u015f\u0131k 1.200 sterlin ek maliyet anlam\u0131na geliyor. Finans veri \u015firketi Moneyfacts\u2019tan Rachel Springall, piyasadaki dalgalanmaya dikkat \u00e7ekerek, \u201cMortgage piyasas\u0131nda belirsizlik s\u00fcr\u00fcyor, bor\u00e7lanmak isteyenlerin ba\u011f\u0131ms\u0131z dan\u0131\u015fmanl\u0131k [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":35352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269,3227,15],"tags":[],"class_list":["post-37941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-birlesik-krallik","category-emlak","category-ingiltere"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/37941","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=37941"}],"version-history":[{"count":2,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/37941\/revisions"}],"predecessor-version":[{"id":37943,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/37941\/revisions\/37943"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/35352"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=37941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=37941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=37941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}