{"id":33022,"date":"2026-09-30T19:22:48","date_gmt":"2026-09-30T16:22:48","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=33022"},"modified":"2026-09-30T19:23:17","modified_gmt":"2026-09-30T16:23:17","slug":"dusuk-faizli-konut-kredileri","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/","title":{"rendered":"D\u00fc\u015f\u00fck Faizli Konut Kredileri 2026: \u0130lk Evim Kredisi Son Durum"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">30 Eyl\u00fcl 2026 itibar\u0131yla <strong>d\u00fc\u015f\u00fck faizli konut kredileri<\/strong> ve yeni destek paketi yeniden g\u00fcndemde. \u00d6zellikle ilk kez ev sahibi olmak isteyenler i\u00e7in haz\u0131rlanmas\u0131 beklenen \u201c\u0130lk Evim\u201d modeli kapsam\u0131nda ayl\u0131k %1,20 faiz ve 180 aya kadar vade se\u00e7ene\u011fi \u00fczerinde duruluyor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak yeni kamu destekli konut kredisi hen\u00fcz resmi olarak ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f de\u011fil; faiz oran\u0131, kredi limiti, vade ve ba\u015fvuru \u015fartlar\u0131n\u0131n yap\u0131lacak duyuruyla netle\u015fmesi bekleniyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n bug\u00fcn sundu\u011fu standart konut kredisi ve konut finansman\u0131 \u00fcr\u00fcnlerinde ise ayl\u0131k oranlar yakla\u015f\u0131k <strong>%2,87 seviyesinden ba\u015flay\u0131p %3&#8217;\u00fcn \u00fczerine<\/strong> \u00e7\u0131k\u0131yor. Bu nedenle mevcut banka kredileri ile kamuoyunda konu\u015fulan d\u00fc\u015f\u00fck faizli yeni konut kredisi birbirinden ayr\u0131 de\u011ferlendirilmelidir.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredileri_2026_Hizli_Ozet\" >D\u00fc\u015f\u00fck Faizli Konut Kredileri 2026: H\u0131zl\u0131 \u00d6zet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredisi_Cikti_mi\" >D\u00fc\u015f\u00fck Faizli Konut Kredisi \u00c7\u0131kt\u0131 m\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#120_Faizli_Ilk_Evim_Konut_Kredisi_Basladi_mi\" >%1,20 Faizli \u0130lk Evim Konut Kredisi Ba\u015flad\u0131 m\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Guncel_Dusuk_Faizli_Konut_Kredisi_Veren_Bankalar\" >G\u00fcncel D\u00fc\u015f\u00fck Faizli Konut Kredisi Veren Bankalar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#1_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\" >1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi Ne Kadar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredisi_Sartlari_Neler_Olacak\" >D\u00fc\u015f\u00fck Faizli Konut Kredisi \u015eartlar\u0131 Neler Olacak?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Ilk_Kez_Ev_Alacaklara_Konut_Kredisi_Avantaji\" >\u0130lk Kez Ev Alacaklara Konut Kredisi Avantaj\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Yillara_Gore_Dusuk_Faizli_Konut_Kredileri\" >Y\u0131llara G\u00f6re D\u00fc\u015f\u00fck Faizli Konut Kredileri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Neden_Konut_Kredisi_Faizleri_Hala_Yuksek\" >Neden Konut Kredisi Faizleri H\u00e2l\u00e2 Y\u00fcksek?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredisi_Hangi_Bankalardan_Verilecek\" >D\u00fc\u015f\u00fck Faizli Konut Kredisi Hangi Bankalardan Verilecek?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredisine_Nasil_Basvurulur\" >D\u00fc\u015f\u00fck Faizli Konut Kredisine Nas\u0131l Ba\u015fvurulur?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Konut_Kredisi_Icin_Gerekli_Belgeler\" >Konut Kredisi \u0130\u00e7in Gerekli Belgeler<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredisi_ile_Faizsiz_Kredi_Ayni_mi\" >D\u00fc\u015f\u00fck Faizli Konut Kredisi ile Faizsiz Kredi Ayn\u0131 m\u0131?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredisi_Beklenmeli_mi\" >D\u00fc\u015f\u00fck Faizli Konut Kredisi Beklenmeli mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.karekod.org\/blog\/dusuk-faizli-konut-kredileri\/#Dusuk_Faizli_Konut_Kredileri_Hakkinda_Sikca_Sorulan_Sorular\" >D\u00fc\u015f\u00fck Faizli Konut Kredileri Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredileri_2026_Hizli_Ozet\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredileri 2026: H\u0131zl\u0131 \u00d6zet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>30 Eyl\u00fcl 2026 d\u00fc\u015f\u00fck faizli konut kredisi son durum<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Konu<\/th>\n<th scope=\"col\">G\u00fcncel Durum<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>%1,20 \u0130lk Evim Konut Kredisi<\/td><td>Hen\u00fcz resmi ba\u015fvuruya a\u00e7\u0131lmad\u0131<\/td><\/tr>\n<tr><td>Konu\u015fulan vade<\/td><td>180 aya kadar<\/td><\/tr>\n<tr><td>Kesinle\u015fmi\u015f %1,20 faiz oran\u0131<\/td><td>Hay\u0131r<\/td><\/tr>\n<tr><td>Kesin kredi \u00fcst limiti<\/td><td>Hen\u00fcz a\u00e7\u0131klanmad\u0131<\/td><\/tr>\n<tr><td>Ba\u015fvuru tarihi<\/td><td>Hen\u00fcz a\u00e7\u0131klanmad\u0131<\/td><\/tr>\n<tr><td>Mevcut d\u00fc\u015f\u00fck konut kredisi oranlar\u0131<\/td><td>Yakla\u015f\u0131k %2,87&#8217;den ba\u015fl\u0131yor<\/td><\/tr>\n<tr><td>Standart konut kredilerinde vade<\/td><td>Genellikle 120 aya kadar<\/td><\/tr>\n<tr><td>Hedeflenen grup<\/td><td>\u0130lk kez konut alacaklar<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00d6nemli:<\/strong> \u0130nternette yer alan \u201c%1,20 faiz kesinle\u015fti\u201d, \u201cba\u015fvurular ba\u015flad\u0131\u201d veya \u201c2 milyon TL limit a\u00e7\u0131kland\u0131\u201d \u015feklindeki bilgiler mevcut durumda resmi kampanya ko\u015fullar\u0131 olarak de\u011ferlendirilmemelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredisi_Cikti_mi\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredisi \u00c7\u0131kt\u0131 m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hay\u0131r. 30 Eyl\u00fcl 2026 itibar\u0131yla yeni ve \u00fclke genelinde ba\u015fvurusu ba\u015flayan %1,20 faizli d\u00fc\u015f\u00fck faizli konut kredisi bulunmuyor.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lk kez konut alacaklar\u0131n finansmana eri\u015fiminin kolayla\u015ft\u0131r\u0131lmas\u0131 \u00fczerinde \u00e7al\u0131\u015fmalar devam ediyor. Buna kar\u015f\u0131l\u0131k vatanda\u015flar\u0131n bug\u00fcn bankalara giderek %1,20 faiz ve 180 ay vade ile kullanabilece\u011fi yeni kamu destekli bir konut kredisi hen\u00fcz a\u00e7\u0131klanm\u0131\u015f de\u011fil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Burada iki farkl\u0131 uygulamay\u0131 birbirinden ay\u0131rmak gerekiyor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bankalar\u0131n bug\u00fcn sundu\u011fu standart veya \u201c\u0130lk Evim\u201d isimli ticari konut kredileri kullan\u0131labiliyor.<\/li>\n\n\n\n<li>Kamuoyunda konu\u015fulan devlet destekli yeni d\u00fc\u015f\u00fck faizli \u0130lk Evim paketinin ba\u015fvurular\u0131 ise hen\u00fcz ba\u015flamad\u0131.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00fcncel banka tekliflerini kar\u015f\u0131la\u015ft\u0131rmak isteyenler <a href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/\">konut kredisi faiz oranlar\u0131<\/a> listesini inceleyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"120_Faizli_Ilk_Evim_Konut_Kredisi_Basladi_mi\"><\/span>%1,20 Faizli \u0130lk Evim Konut Kredisi Ba\u015flad\u0131 m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kamuoyunda yeni \u0130lk Evim Konut Kredisi i\u00e7in en fazla konu\u015fulan senaryo <strong>ayl\u0131k %1,20 faiz ve 180 aya kadar vade<\/strong>. Ancak bu ko\u015fullar hen\u00fcz bankalar taraf\u0131ndan ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f resmi bir kampanya tarifesi de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dolay\u0131s\u0131yla %1,20 oran\u0131 \u00fczerinden yap\u0131lan \u00f6deme hesaplamalar\u0131 \u015fimdilik yaln\u0131zca <strong>senaryo hesab\u0131<\/strong> olarak g\u00f6r\u00fclmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">%1,20 Faizli Konut Kredisi \u00d6deme Plan\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">E\u011fer kamuoyunda konu\u015fuldu\u011fu \u015fekliyle ayl\u0131k %1,20 faiz ve 180 ay vade uygulan\u0131rsa teorik \u00f6deme plan\u0131 yakla\u015f\u0131k \u015f\u00f6yle olur:<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>%1,20 faiz ve 180 ay vade i\u00e7in \u00f6rnek konut kredisi hesab\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Kredi Tutar\u0131<\/th>\n<th scope=\"col\">Faiz<\/th>\n<th scope=\"col\">Vade<\/th>\n<th scope=\"col\">Yakla\u015f\u0131k Ayl\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>500.000 TL<\/td><td>%1,20<\/td><td>180 ay<\/td><td>6.794 TL<\/td><\/tr>\n<tr><td>1.000.000 TL<\/td><td>%1,20<\/td><td>180 ay<\/td><td>13.587 TL<\/td><\/tr>\n<tr><td>2.000.000 TL<\/td><td>%1,20<\/td><td>180 ay<\/td><td>27.174 TL<\/td><\/tr>\n<tr><td>3.000.000 TL<\/td><td>%1,20<\/td><td>180 ay<\/td><td>40.762 TL<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not:<\/strong> Bu tablo mevcut bir banka kampanyas\u0131n\u0131n \u00f6deme plan\u0131 de\u011fildir. %1,20 faiz ve 180 ay vade senaryosuna g\u00f6re yap\u0131lan \u00f6rnek hesaplamad\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Guncel_Dusuk_Faizli_Konut_Kredisi_Veren_Bankalar\"><\/span>G\u00fcncel D\u00fc\u015f\u00fck Faizli Konut Kredisi Veren Bankalar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni kamu destekli paket hen\u00fcz ba\u015flamam\u0131\u015f olsa da bankalar\u0131n standart konut kredisi ve konut finansman\u0131 \u00fcr\u00fcnlerinden yararlanmak m\u00fcmk\u00fcn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Eyl\u00fcl 2026&#8217;n\u0131n son b\u00f6l\u00fcm\u00fcnde g\u00f6r\u00fclen en d\u00fc\u015f\u00fck ayl\u0131k oranlar yakla\u015f\u0131k olarak \u015f\u00f6yle:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-1049x590.webp\" alt=\"D\u00fc\u015f\u00fck Faizli Konut Kredisi Veren Bankalar\" class=\"wp-image-61892\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Dusuk-Faizli-Konut-Kredisi-Veren-Bankalar.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">D\u00fc\u015f\u00fck Faizli Konut Kredisi Veren Bankalar<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>Eyl\u00fcl 2026 banka konut kredisi faiz oranlar\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Banka<\/th>\n<th scope=\"col\">Ayl\u0131k Faiz \/ K\u00e2r Pay\u0131<\/th>\n<th scope=\"col\">1 Milyon TL \/ 120 Ay Yakla\u015f\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>Albaraka T\u00fcrk<\/td><td>%2,87 civar\u0131<\/td><td>29.696 TL<\/td><\/tr>\n<tr><td>Kuveyt T\u00fcrk<\/td><td>%2,87 civar\u0131<\/td><td>29.696 TL<\/td><\/tr>\n<tr><td>Yap\u0131 Kredi<\/td><td>%2,88&#8217;den ba\u015flayan<\/td><td>29.787 TL<\/td><\/tr>\n<tr><td>Ziraat Bankas\u0131<\/td><td>%2,89<\/td><td>29.879 TL<\/td><\/tr>\n<tr><td>Vak\u0131f Kat\u0131l\u0131m<\/td><td>%2,94 civar\u0131<\/td><td>30.337 TL<\/td><\/tr>\n<tr><td>QNB<\/td><td>%2,99<\/td><td>30.798 TL<\/td><\/tr>\n<tr><td>Halkbank<\/td><td>%2,99<\/td><td>30.798 TL<\/td><\/tr>\n<tr><td>\u0130\u015f Bankas\u0131<\/td><td>%3,10<\/td><td>31.816 TL<\/td><\/tr>\n<tr><td>Akbank<\/td><td>%3,15&#8217;ten ba\u015flayan<\/td><td>32.281 TL<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu oranlar kredi tutar\u0131, vade, m\u00fc\u015fterinin kredi profili, gelir durumu, sigorta tercihleri ve bankan\u0131n kampanya \u015fartlar\u0131na g\u00f6re de\u011fi\u015febilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n ihtiya\u00e7, ta\u015f\u0131t ve konut kredilerindeki oranlar\u0131n\u0131 birlikte g\u00f6rmek isteyenler <a href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/\">bankalar\u0131n g\u00fcncel kredi faiz oranlar\u0131<\/a> rehberini inceleyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\"><\/span>1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi Ne Kadar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faiz oran\u0131ndaki k\u00fc\u00e7\u00fck de\u011fi\u015fiklikler uzun vadeli konut kredilerinde ayl\u0131k taksiti ve toplam geri \u00f6demeyi ciddi \u015fekilde de\u011fi\u015ftiriyor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-1049x590.webp\" alt=\"1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi\" class=\"wp-image-61893\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/1-Milyon-TL-Konut-Kredisi-Aylik-Odemesi.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>1 milyon TL konut kredisi faiz kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Senaryo<\/th>\n<th scope=\"col\">Faiz<\/th>\n<th scope=\"col\">Vade<\/th>\n<th scope=\"col\">Yakla\u015f\u0131k Ayl\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>Konu\u015fulan \u0130lk Evim senaryosu<\/td><td>%1,20<\/td><td>180 ay<\/td><td>13.587 TL<\/td><\/tr>\n<tr><td>Yap\u0131 Kredi \u00f6rnek ba\u015flang\u0131\u00e7 oran\u0131<\/td><td>%2,88<\/td><td>120 ay<\/td><td>29.787 TL<\/td><\/tr>\n<tr><td>Ziraat Bankas\u0131<\/td><td>%2,89<\/td><td>120 ay<\/td><td>29.879 TL<\/td><\/tr>\n<tr><td>Halkbank \/ QNB<\/td><td>%2,99<\/td><td>120 ay<\/td><td>30.798 TL<\/td><\/tr>\n<tr><td>\u0130\u015f Bankas\u0131<\/td><td>%3,10<\/td><td>120 ay<\/td><td>31.816 TL<\/td><\/tr>\n<tr><td>Akbank<\/td><td>%3,15<\/td><td>120 ay<\/td><td>32.281 TL<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu kar\u015f\u0131la\u015ft\u0131rma, d\u00fc\u015f\u00fck faizli bir kamu kampanyas\u0131n\u0131n neden yo\u011fun ilgi g\u00f6rd\u00fc\u011f\u00fcn\u00fc a\u00e7\u0131k bi\u00e7imde g\u00f6steriyor. %1,20 ile mevcut piyasa oranlar\u0131 aras\u0131ndaki fark, 1 milyon TL kredi i\u00e7in ayl\u0131k taksitte yakla\u015f\u0131k iki kata yakla\u015fan de\u011fi\u015fim yaratabiliyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredisi_Sartlari_Neler_Olacak\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredisi \u015eartlar\u0131 Neler Olacak?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni kamu destekli \u0130lk Evim Konut Kredisi hen\u00fcz a\u00e7\u0131klanmad\u0131\u011f\u0131 i\u00e7in kesin ba\u015fvuru \u015fartlar\u0131 bulunmuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u015eu a\u015famada kesin olarak s\u00f6ylenebilecek temel nokta, program \u00e7al\u0131\u015fmalar\u0131n\u0131n <strong>ilk kez konut sahibi olacak ki\u015filere<\/strong> odaklanmas\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buna kar\u015f\u0131l\u0131k a\u015fa\u011f\u0131daki konular hen\u00fcz resmi olarak netle\u015fmi\u015f de\u011fildir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hane gelir \u00fcst s\u0131n\u0131r\u0131,<\/li>\n\n\n\n<li>Ya\u015f s\u0131n\u0131r\u0131,<\/li>\n\n\n\n<li>Kredi \u00fcst limiti,<\/li>\n\n\n\n<li>Asgari pe\u015finat miktar\u0131,<\/li>\n\n\n\n<li>180 ay vade uygulan\u0131p uygulanmayaca\u011f\u0131,<\/li>\n\n\n\n<li>Kesin faiz oran\u0131n\u0131n %1,20 olup olmayaca\u011f\u0131,<\/li>\n\n\n\n<li>\u0130kamet \u015fart\u0131,<\/li>\n\n\n\n<li>Yeni ve ikinci el konut ayr\u0131m\u0131,<\/li>\n\n\n\n<li>Kampanyaya kat\u0131lacak bankalar.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle eski haberlerde ge\u00e7en \u201cyeni evli olmak\u201d, \u201cevini alt\u0131 ay \u00f6nce satm\u0131\u015f olmak\u201d veya benzeri \u015fartlar g\u00fcncel kampanyan\u0131n kesin ko\u015fullar\u0131 olarak kullan\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ilk_Kez_Ev_Alacaklara_Konut_Kredisi_Avantaji\"><\/span>\u0130lk Kez Ev Alacaklara Konut Kredisi Avantaj\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni d\u00fc\u015f\u00fck faizli kampanyadan ba\u011f\u0131ms\u0131z olarak 2026 y\u0131l\u0131nda ilk kez ev alacaklar\u0131 ilgilendiren \u00f6nemli bir kredi d\u00fczenlemesi y\u00fcr\u00fcrl\u00fckte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konut al\u0131m\u0131nda kullan\u0131labilecek azami kredi miktar\u0131, sat\u0131n al\u0131nacak evin ekspertiz de\u011feri ve enerji s\u0131n\u0131f\u0131na g\u00f6re belirleniyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>2026 konut de\u011ferine g\u00f6re kullan\u0131labilecek azami kredi oran\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Konut De\u011feri<\/th>\n<th scope=\"col\">A-B Enerji S\u0131n\u0131f\u0131<\/th>\n<th scope=\"col\">C Enerji S\u0131n\u0131f\u0131<\/th>\n<th scope=\"col\">Di\u011fer<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>5 milyon TL ve alt\u0131<\/td><td>%90<\/td><td>%80<\/td><td>%70<\/td><\/tr>\n<tr><td>5-7 milyon TL<\/td><td>%80<\/td><td>%70<\/td><td>%60<\/td><\/tr>\n<tr><td>7-10 milyon TL<\/td><td>%70<\/td><td>%60<\/td><td>%50<\/td><\/tr>\n<tr><td>10-20 milyon TL<\/td><td>%50<\/td><td>%40<\/td><td>%30<\/td><\/tr>\n<tr><td>20 milyon TL \u00fczeri<\/td><td>%40<\/td><td>%30<\/td><td>%20<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin ekspertiz de\u011feri 5 milyon TL olan A veya B enerji s\u0131n\u0131f\u0131ndaki bir konutta mevzuattaki azami kredi tutar\u0131 teorik olarak konut de\u011ferinin %90&#8217;\u0131na kadar \u00e7\u0131kabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak bu oran bankan\u0131n mutlaka bu tutarda kredi verece\u011fi anlam\u0131na gelmez. Banka ayr\u0131ca gelir, kredi notu ve bor\u00e7luluk durumunu de\u011ferlendirir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130kinci Evi Alacaklarda Kredi Oran\u0131 Daha D\u00fc\u015f\u00fck<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kullanacak ki\u015finin kendisi, e\u015fi veya 18 ya\u015f\u0131ndan k\u00fc\u00e7\u00fck \u00e7ocuklar\u0131 ad\u0131na en az bir konut bulunmas\u0131 halinde kredi\/de\u011fer oran\u0131na ili\u015fkin \u00fcst s\u0131n\u0131rlar \u00f6nemli \u00f6l\u00e7\u00fcde azalt\u0131l\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle ilk evini alan bir ki\u015fi ile yat\u0131r\u0131m amac\u0131yla ikinci konutunu alan ki\u015finin ayn\u0131 de\u011ferdeki ev i\u00e7in kullanabilece\u011fi azami kredi miktar\u0131 farkl\u0131 olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yillara_Gore_Dusuk_Faizli_Konut_Kredileri\"><\/span>Y\u0131llara G\u00f6re D\u00fc\u015f\u00fck Faizli Konut Kredileri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye&#8217;de d\u00fc\u015f\u00fck faizli konut kredileri \u00f6zellikle ekonomik ko\u015fullara ve konut piyasas\u0131ndaki geli\u015fmelere ba\u011fl\u0131 olarak d\u00f6nem d\u00f6nem kamu bankalar\u0131 veya devlet destekli finansman programlar\u0131yla uyguland\u0131.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-1049x590.webp\" alt=\"Y\u0131llara G\u00f6re D\u00fc\u015f\u00fck Faizli Konut Kredileri\" class=\"wp-image-61894\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2024\/08\/Yillara-Gore-Dusuk-Faizli-Konut-Kredileri.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Y\u0131llara G\u00f6re D\u00fc\u015f\u00fck Faizli Konut Kredileri<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>2020-2026 y\u0131llar\u0131 d\u00fc\u015f\u00fck faizli konut kredileri<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Y\u0131l<\/th>\n<th scope=\"col\">\u00d6ne \u00c7\u0131kan Faiz<\/th>\n<th scope=\"col\">Kampanya \/ Uygulama<\/th>\n<th scope=\"col\">Durum<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2020<\/td>\n<td>%0,64 &#8211; %0,74<\/td>\n<td>Kamu bankalar\u0131 avantajl\u0131 konut kredisi<\/td>\n<td>Uyguland\u0131<\/td>\n<\/tr>\n<tr>\n<td>2021<\/td>\n<td>%1,20 &#8211; %1,29<\/td>\n<td>Kamu bankalar\u0131 s\u0131f\u0131r konut faiz indirimi<\/td>\n<td>Uyguland\u0131<\/td>\n<\/tr>\n<tr>\n<td>2022<\/td>\n<td>%0,89 &#8211; %0,99<\/td>\n<td>\u0130lk Evim ve Geni\u015fletilmi\u015f Konut Finansman Paketleri<\/td>\n<td>Uyguland\u0131<\/td>\n<\/tr>\n<tr>\n<td>2023<\/td>\n<td>%0,69 &#8211; %0,99<\/td>\n<td>Yeni Evim Konut Finansman Program\u0131<\/td>\n<td>Uyguland\u0131<\/td>\n<\/tr>\n<tr>\n<td>2024<\/td>\n<td>%1,49 iddias\u0131<\/td>\n<td>\u0130lk ev i\u00e7in yeni kamu bankas\u0131 kampanyas\u0131 haz\u0131rl\u0131\u011f\u0131 haberleri<\/td>\n<td>Geni\u015f \u00e7apl\u0131 resmi ba\u015fvuru program\u0131 olarak hayata ge\u00e7medi<\/td>\n<\/tr>\n<tr>\n<td>2025<\/td>\n<td>Yakla\u015f\u0131k %2,55 &#8211; %2,89<\/td>\n<td>Banka bazl\u0131 konut ve \u0130lk Evim kampanyalar\u0131<\/td>\n<td>Bankalara g\u00f6re uyguland\u0131<\/td>\n<\/tr>\n<tr>\n<td>2026<\/td>\n<td>Mevcut piyasada yakla\u015f\u0131k %2,87 ve \u00fczeri<\/td>\n<td>%1,20 \u0130lk Evim modeli g\u00fcndemde<\/td>\n<td>%1,20&#8217;lik yeni paket hen\u00fcz ba\u015flamad\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2020 D\u00fc\u015f\u00fck Faizli Konut Kredisi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2020 y\u0131l\u0131nda kamu bankalar\u0131 konut piyasas\u0131n\u0131 desteklemek amac\u0131yla olduk\u00e7a d\u00fc\u015f\u00fck faizli bir finansman kampanyas\u0131 ba\u015flatt\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni konutlarda ayl\u0131k <strong>%0,64<\/strong>, ikinci el konutlarda ise <strong>%0,74<\/strong> faiz oran\u0131 ve 180 aya kadar vade imk\u00e2n\u0131 sunuldu. Kampanya d\u00f6neminde baz\u0131 kredilerde \u00f6demesiz d\u00f6nem se\u00e7ene\u011fi de uyguland\u0131.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2021 D\u00fc\u015f\u00fck Faizli Konut Kredisi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2021&#8217;in son b\u00f6l\u00fcm\u00fcnde kamu bankalar\u0131 konut kredilerinde yeniden indirime gitti. S\u0131f\u0131r konutlarda 1 milyon TL&#8217;nin alt\u0131ndaki kredi tutarlar\u0131 i\u00e7in ayl\u0131k faiz yakla\u015f\u0131k <strong>%1,20<\/strong>, daha y\u00fcksek tutarlarda ise <strong>%1,29<\/strong> seviyesine indirildi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2022 D\u00fc\u015f\u00fck Faizli Konut Kredisi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2022 y\u0131l\u0131nda iki \u00f6nemli finansman modeli \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0130lk Evim Konut Finansman Paketi<\/strong> kapsam\u0131nda ilk ve tek konutunu sat\u0131n alacak vatanda\u015flara, belirlenen ko\u015fullardaki birinci el konutlarda 10 y\u0131la kadar vadeyle ayl\u0131k <strong>%0,99<\/strong> faiz imk\u00e2n\u0131 sunuldu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bunun yan\u0131nda belirli d\u00f6viz ve alt\u0131n varl\u0131klar\u0131n\u0131 T\u00fcrk liras\u0131na d\u00f6n\u00fc\u015ft\u00fcrenlere y\u00f6nelik Geni\u015fletilmi\u015f Konut Finansman Paketi kapsam\u0131nda ayl\u0131k <strong>%0,89<\/strong> faiz oran\u0131 uyguland\u0131.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2023 Yeni Evim Konut Kredisi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2023 y\u0131l\u0131nda uygulanan <strong>Yeni Evim Konut Finansman Program\u0131<\/strong>, son y\u0131llar\u0131n en d\u00fc\u015f\u00fck oranl\u0131 konut finansman\u0131 kampanyalar\u0131ndan biri oldu.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>2023 Yeni Evim faiz oranlar\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Finansman Tutar\u0131<\/th>\n<th scope=\"col\">Ayl\u0131k Faiz \/ K\u00e2r Pay\u0131<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr><td>2 milyon TL&#8217;ye kadar<\/td><td>%0,69<\/td><\/tr>\n<tr><td>2-4 milyon TL<\/td><td>%0,79<\/td><\/tr>\n<tr><td>4-5 milyon TL<\/td><td>%0,99<\/td><\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Programda azami vade 15 y\u0131l olarak belirlendi ve ilk y\u0131llardaki taksitlerin \u00f6denmesini kolayla\u015ft\u0131rmaya y\u00f6nelik Hazine destekli bir yap\u0131 olu\u015fturuldu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2024&#8217;te %1,49 Faizli Konut Kredisi \u00c7\u0131kt\u0131 m\u0131?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2024 y\u0131l\u0131nda kamuoyunda \u00f6zellikle kamu bankalar\u0131n\u0131n <strong>%1,49 faizli konut kredisi<\/strong> haz\u0131rlad\u0131\u011f\u0131na ili\u015fkin \u00e7ok say\u0131da haber yay\u0131mland\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak %1,49 oran\u0131yla \u00fclke genelinde vatanda\u015flar\u0131n ba\u015fvurusuna a\u00e7\u0131lm\u0131\u015f, 2022 veya 2023&#8217;teki programlara benzer kapsaml\u0131 yeni bir kamu destekli konut kredisi kampanyas\u0131 hayata ge\u00e7irilmedi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu nedenle eski i\u00e7eriklerde ge\u00e7en \u201c%1,49 faizli konut kredisi geliyor\u201d bilgisi g\u00fcncel bir kampanya gibi sunulmamal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2025 D\u00fc\u015f\u00fck Faizli Konut Kredileri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2025 y\u0131l\u0131nda faiz indirimleriyle birlikte konut kredisi oranlar\u0131 kademeli olarak geriledi. Baz\u0131 banka kampanyalar\u0131nda ayl\u0131k oranlar yakla\u015f\u0131k %2,5-%2,9 band\u0131na kadar d\u00fc\u015ft\u00fc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bununla birlikte 2022 veya 2023&#8217;teki gibi \u00fclke genelinde %1&#8217;in alt\u0131nda oran sunan yeni bir devlet destekli konut finansman program\u0131 devreye al\u0131nmad\u0131.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026 D\u00fc\u015f\u00fck Faizli Konut Kredileri<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2026 Eyl\u00fcl sonunda standart konut kredilerinde en d\u00fc\u015f\u00fck teklifler yakla\u015f\u0131k %2,87-%2,99 band\u0131nda bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bunun yan\u0131nda ilk kez ev sahibi olacaklara y\u00f6nelik daha d\u00fc\u015f\u00fck maliyetli yeni bir finansman modelinin haz\u0131rlanmas\u0131 g\u00fcndemde. Kamuoyunda %1,20 faiz ve 180 ay vade \u00f6ne \u00e7\u0131ksa da <strong>30 Eyl\u00fcl 2026 itibar\u0131yla ba\u015fvuru s\u00fcreci ba\u015flam\u0131\u015f de\u011fildir.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Neden_Konut_Kredisi_Faizleri_Hala_Yuksek\"><\/span>Neden Konut Kredisi Faizleri H\u00e2l\u00e2 Y\u00fcksek?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Konut kredisi faiz oranlar\u0131 yaln\u0131zca konut piyasas\u0131na g\u00f6re belirlenmez. Bankalar\u0131n fonlama maliyeti, mevduat faizleri, enflasyon beklentileri, kredi riski, sermaye maliyetleri ve para politikas\u0131 konut kredisi fiyatlamas\u0131nda etkili olur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TCMB&#8217;nin 10 Eyl\u00fcl 2026 toplant\u0131s\u0131nda politika faizini <strong>%37<\/strong> seviyesinde sabit tutmas\u0131, finansal ko\u015fullar\u0131n halen s\u0131k\u0131 oldu\u011funu g\u00f6steriyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politika faizindeki gerilemenin devam etmesi ve bankalar\u0131n fonlama maliyetlerinin d\u00fc\u015fmesi halinde konut kredisi faizlerinde de a\u015fa\u011f\u0131 y\u00f6nl\u00fc hareket g\u00f6r\u00fclebilir. Ancak politika faizi ile konut kredisi faizinin birebir ve ayn\u0131 anda hareket etmesi beklenmemelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredisi_Hangi_Bankalardan_Verilecek\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredisi Hangi Bankalardan Verilecek?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni devlet destekli \u0130lk Evim kampanyas\u0131nda hangi bankalar\u0131n yer alaca\u011f\u0131 hen\u00fcz resmi olarak a\u00e7\u0131klanm\u0131\u015f de\u011fil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ge\u00e7mi\u015fteki konut kampanyalar\u0131nda \u00f6zellikle kamu bankalar\u0131 ve kamu kat\u0131l\u0131m finans kurulu\u015flar\u0131 \u00f6nemli rol oynad\u0131. Bu nedenle yeni programda Ziraat Bankas\u0131, Halkbank ve Vak\u0131fBank gibi kamu bankalar\u0131n\u0131n yer alabilece\u011fine y\u00f6nelik beklentiler bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak resmi a\u00e7\u0131klama yap\u0131lmadan banka listesinin kesin oldu\u011fu kabul edilmemelidir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredisine_Nasil_Basvurulur\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredisine Nas\u0131l Ba\u015fvurulur?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni %1,20 faizli kampanyan\u0131n ba\u015fvuru ekran\u0131 hen\u00fcz a\u00e7\u0131lmad\u0131\u011f\u0131 i\u00e7in bu krediye \u015fu anda ba\u015fvuru yap\u0131lam\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standart konut kredilerinde ise s\u00fcre\u00e7 genel olarak \u015fu \u015fekilde ilerliyor:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Kredi tutar\u0131 ve vade belirlenir.<\/li>\n\n\n\n<li>Banka gelir ve kredi risk de\u011ferlendirmesi yapar.<\/li>\n\n\n\n<li>Sat\u0131n al\u0131nacak konut i\u00e7in ekspertiz s\u00fcreci ba\u015flat\u0131l\u0131r.<\/li>\n\n\n\n<li>Ekspertiz de\u011ferine g\u00f6re kullan\u0131labilecek azami kredi belirlenir.<\/li>\n\n\n\n<li>Kredi onaylan\u0131rsa konut \u00fczerine ipotek tesis edilir.<\/li>\n\n\n\n<li>Tapu devrinin ard\u0131ndan kredi sat\u0131c\u0131ya aktar\u0131l\u0131r.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Icin_Gerekli_Belgeler\"><\/span>Konut Kredisi \u0130\u00e7in Gerekli Belgeler<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankaya ve m\u00fc\u015fterinin \u00e7al\u0131\u015fma durumuna g\u00f6re ek belgeler istenebilmekle birlikte konut kredilerinde genel olarak \u015fu belgeler talep edilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kimlik belgesi,<\/li>\n\n\n\n<li>Gelir belgesi veya maa\u015f bordrosu,<\/li>\n\n\n\n<li>Sat\u0131n al\u0131nacak konutun tapu bilgileri,<\/li>\n\n\n\n<li>Gerekli durumlarda adres belgesi,<\/li>\n\n\n\n<li>Serbest meslek sahipleri i\u00e7in vergi ve gelir belgeleri,<\/li>\n\n\n\n<li>\u015eirket ortaklar\u0131 i\u00e7in \u015firket ve gelir belgeleri.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lk Evim ad\u0131yla sunulan mevcut banka \u00fcr\u00fcnlerinde ba\u015fvuru sahibinin ve aile bireylerinin konut sahipli\u011fi durumuna ili\u015fkin tapu kay\u0131tlar\u0131 da istenebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredisi_ile_Faizsiz_Kredi_Ayni_mi\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredisi ile Faizsiz Kredi Ayn\u0131 m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. <strong>D\u00fc\u015f\u00fck faizli konut kredisi<\/strong> kullan\u0131lan finansman i\u00e7in faiz veya k\u00e2r pay\u0131 \u00f6denmesi anlam\u0131na gelir. Faizsiz finansman modellerinde ise sistemin yap\u0131s\u0131 farkl\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n di\u011fer kampanyalar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak isteyenler <a href=\"https:\/\/www.karekod.org\/blog\/faizsiz-kredi-veren-bankalar-2024\/\">faizsiz kredi veren bankalar<\/a> rehberini inceleyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredisi_Beklenmeli_mi\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredisi Beklenmeli mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni bir kamu destekli kredi program\u0131n\u0131n ba\u015flay\u0131p ba\u015flamayaca\u011f\u0131 veya hangi ko\u015fullarla uygulanaca\u011f\u0131 kesinle\u015fmeden yaln\u0131zca olas\u0131 bir kampanyaya g\u00f6re konut sat\u0131n alma plan\u0131 yapmak riskli olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konut sat\u0131n alma karar\u0131nda faiz oran\u0131n\u0131n yan\u0131nda pe\u015finat, ayl\u0131k hane geliri, toplam geri \u00f6deme, ekspertiz de\u011feri, sigorta ve kredi masraflar\u0131 da birlikte de\u011ferlendirilmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zellikle uzun vadeli kredilerde ayl\u0131k faiz oran\u0131ndaki birka\u00e7 ondal\u0131k puanl\u0131k fark bile toplam finansman maliyetini \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015ftirebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dusuk_Faizli_Konut_Kredileri_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>D\u00fc\u015f\u00fck Faizli Konut Kredileri Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"karekod-faq\">\n\n<h3>D\u00fc\u015f\u00fck faizli konut kredisi \u00e7\u0131kt\u0131 m\u0131?<\/h3>\n<p>30 Eyl\u00fcl 2026 itibar\u0131yla %1,20 faiz oran\u0131yla sunulan yeni kamu destekli \u0130lk Evim Konut Kredisi ba\u015fvuruya a\u00e7\u0131lmad\u0131. Bankalar\u0131n standart konut kredileri ise kullan\u0131lmaya devam ediyor.<\/p>\n\n<h3>%1,20 faizli konut kredisi ba\u015flad\u0131 m\u0131?<\/h3>\n<p>Hay\u0131r. %1,20 faiz ve 180 ay vade kamuoyunda konu\u015fulan modeldir; kesinle\u015fmi\u015f yeni bir banka kampanyas\u0131 olarak ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f de\u011fildir.<\/p>\n\n<h3>%1,49 faizli konut kredisi var m\u0131?<\/h3>\n<p>2024 y\u0131l\u0131nda %1,49 faizli yeni konut kredisi kampanyas\u0131na ili\u015fkin haberler yay\u0131mland\u0131 ancak \u00fclke genelinde bu oranla ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f kapsaml\u0131 bir kamu destekli konut kredisi program\u0131 hayata ge\u00e7irilmedi.<\/p>\n\n<h3>1 milyon TL konut kredisi ayl\u0131k \u00f6demesi ne kadar?<\/h3>\n<p>Eyl\u00fcl 2026&#8217;da ayl\u0131k %2,89 faiz ve 120 ay vadede 1 milyon TL konut kredisinin taksiti yakla\u015f\u0131k 29.879 TL&#8217;dir. Kamuoyunda konu\u015fulan %1,20 faiz ve 180 ay senaryosunda ise yakla\u015f\u0131k 13.587 TL olur.<\/p>\n\n<h3>En d\u00fc\u015f\u00fck konut kredisi faizi ne kadar?<\/h3>\n<p>Eyl\u00fcl 2026 sonunda piyasadaki en d\u00fc\u015f\u00fck konut finansman\u0131 teklifleri yakla\u015f\u0131k %2,87 seviyesinden ba\u015flamaktad\u0131r. Oran kredi tutar\u0131, vade ve m\u00fc\u015fteri profiline g\u00f6re de\u011fi\u015febilir.<\/p>\n\n<h3>\u0130lk Evim Kredisi kimlere verilecek?<\/h3>\n<p>Yeni kamu destekli program\u0131n ilk kez konut sahibi olacak ki\u015filere y\u00f6nelik olmas\u0131 bekleniyor. Ancak gelir, ya\u015f, kredi limiti ve di\u011fer nihai ba\u015fvuru ko\u015fullar\u0131 hen\u00fcz resmi olarak a\u00e7\u0131klanmad\u0131.<\/p>\n\n<h3>Evini daha \u00f6nce satan biri d\u00fc\u015f\u00fck faizli kredi alabilir mi?<\/h3>\n<p>Yeni kampanyan\u0131n bu konudaki kesin \u015fart\u0131 hen\u00fcz a\u00e7\u0131klanmad\u0131. Bu nedenle \u201cevini 6 ay \u00f6nce satanlar yararlanabilir\u201d gibi eski bilgiler g\u00fcncel \u015fart olarak kabul edilmemelidir.<\/p>\n\n<h3>\u0130lk Evim Kredisi 180 ay olacak m\u0131?<\/h3>\n<p>Kamuoyunda 180 ay vade konu\u015fuluyor ancak yeni program i\u00e7in 180 ay vade hen\u00fcz resmi ve kesin bir \u015fart olarak a\u00e7\u0131klanmad\u0131. Mevcut standart banka konut kredilerinde yayg\u0131n azami vade 120 ayd\u0131r.<\/p>\n\n<h3>\u0130kinci el konuta kredi \u00e7\u0131kar m\u0131?<\/h3>\n<p>Standart konut kredilerinde ikinci el konutlar i\u00e7in kredi kullan\u0131labilir. 2026 d\u00fczenlemesiyle kredi\/de\u011fer oranlar\u0131nda birinci el ve ikinci el ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131. Yeni %1,20&#8217;lik olas\u0131 kampanyan\u0131n ikinci el konutlar\u0131 kapsay\u0131p kapsamayaca\u011f\u0131 ise hen\u00fcz kesinle\u015fmedi.<\/p>\n\n<h3>Konut kredisi i\u00e7in ne kadar pe\u015finat gerekir?<\/h3>\n<p>Gerekli pe\u015finat konutun ekspertiz de\u011ferine ve enerji s\u0131n\u0131f\u0131na g\u00f6re de\u011fi\u015fir. \u00d6rne\u011fin 5 milyon TL ve alt\u0131ndaki A-B enerji s\u0131n\u0131f\u0131 konutlarda azami kredi\/de\u011fer oran\u0131 %90&#8217;a kadar \u00e7\u0131kabilir. Banka gelir ve risk de\u011ferlendirmesine g\u00f6re daha d\u00fc\u015f\u00fck kredi verebilir.<\/p>\n\n<h3>Yeni d\u00fc\u015f\u00fck faizli konut kredisi ne zaman ba\u015flayacak?<\/h3>\n<p>30 Eyl\u00fcl 2026 itibar\u0131yla resmi ba\u015flang\u0131\u00e7 tarihi a\u00e7\u0131klanm\u0131\u015f de\u011fil. Ba\u015fvuru tarihi, faiz oran\u0131, vade ve limit ancak yap\u0131lacak resmi duyuruyla kesinle\u015fecek.<\/p>\n\n<\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"D\u00fc\u015f\u00fck faizli konut kredisi \u00e7\u0131kt\u0131 m\u0131?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"30 Eyl\u00fcl 2026 itibar\u0131yla y\u00fczde 1,20 faiz oran\u0131yla sunulan yeni kamu destekli \u0130lk Evim Konut Kredisi ba\u015fvuruya a\u00e7\u0131lmad\u0131. Bankalar\u0131n standart konut kredileri kullan\u0131lmaya devam ediyor.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"%1,20 faizli konut kredisi ba\u015flad\u0131 m\u0131?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Hay\u0131r. Y\u00fczde 1,20 faiz ve 180 ay vade kamuoyunda konu\u015fulan modeldir; kesinle\u015fmi\u015f yeni bir banka kampanyas\u0131 olarak ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f de\u011fildir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"%1,49 faizli konut kredisi var m\u0131?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"2024 y\u0131l\u0131nda y\u00fczde 1,49 faizli konut kredisi kampanyas\u0131na ili\u015fkin haberler yay\u0131mland\u0131 ancak \u00fclke genelinde bu oranla ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f kapsaml\u0131 yeni kamu destekli program hayata ge\u00e7irilmedi.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"1 milyon TL konut kredisi ayl\u0131k \u00f6demesi ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Eyl\u00fcl 2026'da ayl\u0131k y\u00fczde 2,89 faiz ve 120 ay vadede 1 milyon TL konut kredisinin taksiti yakla\u015f\u0131k 29.879 TL'dir. Y\u00fczde 1,20 faiz ve 180 ay senaryosunda ise yakla\u015f\u0131k 13.587 TL olur.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"En d\u00fc\u015f\u00fck konut kredisi faizi ne kadar?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Eyl\u00fcl 2026 sonunda piyasadaki en d\u00fc\u015f\u00fck konut finansman\u0131 teklifleri yakla\u015f\u0131k y\u00fczde 2,87 seviyesinden ba\u015flamaktad\u0131r. Oran kredi tutar\u0131, vade ve m\u00fc\u015fteri profiline g\u00f6re de\u011fi\u015febilir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0130lk Evim Kredisi kimlere verilecek?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yeni program\u0131n ilk kez konut sahibi olacak ki\u015filere y\u00f6nelik olmas\u0131 bekleniyor. Gelir, ya\u015f, kredi limiti ve di\u011fer nihai ko\u015fullar hen\u00fcz resmi olarak a\u00e7\u0131klanmad\u0131.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0130lk Evim Kredisi 180 ay olacak m\u0131?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"180 ay vade kamuoyunda konu\u015fuluyor ancak yeni program i\u00e7in hen\u00fcz resmi ve kesin bir \u015fart olarak a\u00e7\u0131klanmad\u0131.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u0130kinci el konuta kredi \u00e7\u0131kar m\u0131?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Standart konut kredilerinde ikinci el konut i\u00e7in kredi kullan\u0131labilir. 2026 d\u00fczenlemesiyle kredi de\u011fer oranlar\u0131nda birinci el ve ikinci el ayr\u0131m\u0131 kald\u0131r\u0131ld\u0131.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Yeni d\u00fc\u015f\u00fck faizli konut kredisi ne zaman ba\u015flayacak?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"30 Eyl\u00fcl 2026 itibar\u0131yla resmi ba\u015flang\u0131\u00e7 tarihi a\u00e7\u0131klanm\u0131\u015f de\u011fildir. Ba\u015fvuru tarihi, faiz oran\u0131, vade ve kredi limiti yap\u0131lacak resmi duyuruyla kesinle\u015fecektir.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Edit\u00f6r notu:<\/strong> Konut kredisi faiz oranlar\u0131 bankalar\u0131n kampanyalar\u0131na, kredi tutar\u0131na, vadeye, m\u00fc\u015fteri profiline ve sigorta tercihlerine g\u00f6re de\u011fi\u015febilir. Bu i\u00e7erik 30 Eyl\u00fcl 2026 tarihinde g\u00fcncellenmi\u015ftir ve bilgilendirme amac\u0131 ta\u015f\u0131r.<\/p>\n\n\n\n<cite>Karekod Blog<\/cite>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>30 Eyl\u00fcl 2026 itibar\u0131yla d\u00fc\u015f\u00fck faizli konut kredileri ve yeni destek paketi yeniden g\u00fcndemde. \u00d6zellikle ilk kez ev sahibi olmak [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":61895,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958,53],"tags":[],"class_list":["post-33022","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-haberler"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00fc\u015f\u00fck Faizli Konut Kredileri 2026: %1,20 \u0130lk Evim Son Durum<\/title>\n<meta name=\"description\" content=\"D\u00fc\u015f\u00fck faizli konut kredileri 2026 son durum. %1,20 \u0130lk Evim kredisi ba\u015flad\u0131 m\u0131, \u015fartlar\u0131 neler? 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