{"id":39466,"date":"2026-07-07T14:21:52","date_gmt":"2026-07-07T13:21:52","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=39466"},"modified":"2026-07-07T14:21:52","modified_gmt":"2026-07-07T13:21:52","slug":"ingilterede-bir-milyon-konut-sahibi-daha-yuksek-mortgage-odeyebilir","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/ingilterede-bir-milyon-konut-sahibi-daha-yuksek-mortgage-odeyebilir\/","title":{"rendered":"\u0130ngiltere’de bir milyon konut sahibi daha y\u00fcksek mortgage \u00f6deyebilir"},"content":{"rendered":"

\u0130ngiltere Merkez Bankas\u0131’n\u0131n (Bank of England) yay\u0131mlad\u0131\u011f\u0131 Finansal \u0130stikrar Raporu’na<\/strong> g\u00f6re, \u0130ran’daki \u00e7at\u0131\u015fmalar\u0131n k\u00fcresel enerji piyasalar\u0131na etkisi nedeniyle \u00fclkede bir milyon ek konut sahibi<\/strong> daha y\u00fcksek mortgage \u00f6demeleriyle kar\u015f\u0131 kar\u015f\u0131ya kalabilir.<\/p>\n

BBC’nin haberine g\u00f6re<\/strong>, 2028 y\u0131l\u0131 sonuna kadar ayl\u0131k mortgage \u00f6demelerinde art\u0131\u015f ya\u015famas\u0131 beklenen ev sahibi say\u0131s\u0131 4 milyondan 5 milyonun \u00fczerine<\/strong> y\u00fckseldi. Buna kar\u015f\u0131n Banka, son y\u0131llarda g\u00f6r\u00fclen art\u0131\u015flara k\u0131yasla bu kez mali y\u00fck\u00fcn daha s\u0131n\u0131rl\u0131 olaca\u011f\u0131n\u0131 belirtti.<\/p>\n

Ortalama art\u0131\u015f ayl\u0131k 45 sterlin<\/h4>\n

Rapora g\u00f6re, \u00f6n\u00fcm\u00fczdeki iki y\u0131l i\u00e7inde sabit faizli mortgage anla\u015fmas\u0131 sona erecek tipik bir konut sahibi, yeni kredi anla\u015fmas\u0131na ge\u00e7ti\u011finde ayda ortalama 45 sterlin<\/strong> daha fazla \u00f6deme yapacak. Bu rakam, 2022 sonu ile 2024 sonu aras\u0131nda yeni mortgage anla\u015fmas\u0131na ge\u00e7enlerin kar\u015f\u0131la\u015ft\u0131\u011f\u0131 120 sterlinlik<\/strong> ortalama art\u0131\u015f\u0131n olduk\u00e7a alt\u0131nda kald\u0131.<\/p>

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

Bununla birlikte, halen y\u00fczde 3’\u00fcn alt\u0131nda faiz oran\u0131na sahip<\/strong> yakla\u015f\u0131k 750 bin<\/strong> konut sahibinin bu y\u0131l mevcut anla\u015fmalar\u0131n\u0131n sona ermesi bekleniyor. Bu grubun ayl\u0131k mortgage \u00f6demelerinde ortalama 170 sterlinlik<\/strong> art\u0131\u015f ya\u015fanaca\u011f\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n

\u0130ngiltere’de mortgage m\u00fc\u015fterilerinin y\u00fczde 80’den fazlas\u0131<\/strong> sabit faizli kredi kullan\u0131yor. Merkez Bankas\u0131 ayr\u0131ca, 2028 sonuna kadar iki y\u0131ll\u0131k sabit faizli anla\u015fmalar\u0131 sona erecek 2 milyondan fazla<\/strong> bor\u00e7lunun mevcut faiz oranlar\u0131na yak\u0131n ko\u015fullarda yeniden finansman sa\u011flayabilece\u011fini belirtti. Ancak \u0130ran’daki geli\u015fmeler \u00f6ncesinde yap\u0131lan tahminlerin aksine, bu ki\u015filerin mortgage \u00f6demelerinde kayda de\u011fer bir d\u00fc\u015f\u00fc\u015f beklenmiyor.<\/p>\n

Enerji fiyatlar\u0131 ve faiz beklentileri etkili oldu<\/h4>\n

Raporda, \u0130ran’daki sava\u015f\u0131n ard\u0131ndan H\u00fcrm\u00fcz Bo\u011faz\u0131’ndaki enerji ta\u015f\u0131mac\u0131l\u0131\u011f\u0131na ili\u015fkin endi\u015felerin petrol ve do\u011fal gaz fiyatlar\u0131n\u0131 y\u00fckseltti\u011fi belirtildi. Artan enerji maliyetlerinin enflasyon bask\u0131s\u0131n\u0131 g\u00fc\u00e7lendirdi\u011fi, bunun da merkez bankalar\u0131n\u0131n faiz oranlar\u0131n\u0131 daha y\u00fcksek seviyelerde tutabilece\u011fi beklentisini art\u0131rd\u0131\u011f\u0131 ifade edildi.<\/p>\n

Bu geli\u015fmelerin ard\u0131ndan bankalar\u0131n mortgage faizlerini yukar\u0131 y\u00f6nl\u00fc g\u00fcncelledi\u011fi kaydedildi. Finansal veri \u015firketi Moneyfacts<\/strong> verilerine g\u00f6re, iki y\u0131ll\u0131k sabit faizli mortgage oran\u0131 mart ba\u015f\u0131ndaki y\u00fczde 4,83<\/strong> seviyesinden 12 Nisan’da y\u00fczde 5,90’a<\/strong> kadar y\u00fckseldi. Oran daha sonra y\u00fczde 5,49<\/strong> seviyesine geriledi.<\/p>\n

D\u00fc\u015f\u00fck gelirli haneler daha k\u0131r\u0131lgan<\/h4>\n

Merkez Bankas\u0131, \u00f6zellikle d\u00fc\u015f\u00fck gelirli haneler ve kirac\u0131lar\u0131n y\u00fckselen enerji fiyatlar\u0131ndan daha fazla etkilenebilece\u011fine dikkat \u00e7ekti. Raporda, bu kesimin gelirinin daha b\u00fcy\u00fck b\u00f6l\u00fcm\u00fcn\u00fc temel ihtiya\u00e7lara ay\u0131rd\u0131\u011f\u0131 ve bu nedenle artan fiyatlara uyum sa\u011flama kapasitesinin daha s\u0131n\u0131rl\u0131 oldu\u011fu belirtildi.<\/p>\n

Buna ra\u011fmen Banka, genel olarak hane halk\u0131 mali durumunun zorlu k\u00fcresel ko\u015fullara ra\u011fmen dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 korudu\u011funu de\u011ferlendirdi. Hane halk\u0131 bor\u00e7lulu\u011funun tarihsel ortalamalar\u0131n alt\u0131nda seyretti\u011fi ve bor\u00e7 seviyelerinin t\u00fcketici harcamalar\u0131nda sert bir d\u00fc\u015f\u00fc\u015fe yol a\u00e7mas\u0131n\u0131n beklenmedi\u011fi ifade edildi.<\/p>\n

Raporda ayr\u0131ca, yapay zek\u00e2 alan\u0131ndaki h\u0131zl\u0131 geli\u015fmelerin siber sald\u0131r\u0131 risklerini art\u0131rd\u0131\u011f\u0131<\/strong> ve yapay zek\u00e2 \u015firketlerinin hisse de\u011ferlemelerinde balon olu\u015fabilece\u011fine y\u00f6nelik endi\u015felerin s\u00fcrd\u00fc\u011f\u00fc de vurguland\u0131.<\/p>\n

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

\u0130ngiltere Merkez Bankas\u0131’n\u0131n (Bank of England) yay\u0131mlad\u0131\u011f\u0131 Finansal \u0130stikrar Raporu’na g\u00f6re, \u0130ran’daki \u00e7at\u0131\u015fmalar\u0131n k\u00fcresel enerji piyasalar\u0131na etkisi nedeniyle \u00fclkede bir milyon ek konut sahibi daha y\u00fcksek mortgage \u00f6demeleriyle kar\u015f\u0131 kar\u015f\u0131ya kalabilir. BBC’nin haberine g\u00f6re, 2028 y\u0131l\u0131 sonuna kadar ayl\u0131k mortgage \u00f6demelerinde art\u0131\u015f ya\u015famas\u0131 beklenen ev sahibi say\u0131s\u0131 4 milyondan 5 milyonun \u00fczerine y\u00fckseldi. Buna kar\u015f\u0131n Banka, son y\u0131llarda g\u00f6r\u00fclen art\u0131\u015flara k\u0131yasla bu kez mali y\u00fck\u00fcn daha s\u0131n\u0131rl\u0131 olaca\u011f\u0131n\u0131 belirtti. Ortalama art\u0131\u015f ayl\u0131k 45 sterlin Rapora g\u00f6re, \u00f6n\u00fcm\u00fczdeki iki y\u0131l i\u00e7inde sabit faizli mortgage anla\u015fmas\u0131 sona erecek tipik bir konut sahibi, yeni kredi anla\u015fmas\u0131na ge\u00e7ti\u011finde ayda ortalama 45 sterlin daha fazla […]<\/p>\n","protected":false},"author":11,"featured_media":38768,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-39466","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\/39466","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=39466"}],"version-history":[{"count":2,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/39466\/revisions"}],"predecessor-version":[{"id":39468,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/39466\/revisions\/39468"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/38768"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=39466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=39466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=39466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}