{"id":42943,"date":"2026-10-01T08:14:50","date_gmt":"2026-10-01T05:14:50","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=42943"},"modified":"2026-10-01T08:15:37","modified_gmt":"2026-10-01T05:15:37","slug":"konut-kredisi-faiz-oranlari-2026","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/","title":{"rendered":"Konut Kredisi Faiz Oranlar\u0131 2026: 1 Ekim G\u00fcncel Banka Listesi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Konut kredisi faiz oranlar\u0131<\/strong> 1 Ekim itibar\u0131yla piyasadaki avantajl\u0131 konut finansman\u0131 teklifleri ayl\u0131k yakla\u015f\u0131k <strong>%2,87 seviyesinden<\/strong> ba\u015flarken bir\u00e7ok bankada 120 ay vadeli standart konut kredisi oranlar\u0131 %2,89 ile %3,50&#8217;nin \u00fczerinde seyrediyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1 milyon TL konut kredisi i\u00e7in 120 ay vadede ayl\u0131k taksit, %2,87 oran\u0131nda yakla\u015f\u0131k <strong>29.696 TL<\/strong>, %2,89 oran\u0131nda yakla\u015f\u0131k <strong>29.879 TL<\/strong>, %3,15 oran\u0131nda ise yakla\u015f\u0131k <strong>32.281 TL<\/strong> oluyor. Faizde birka\u00e7 ondal\u0131k puanl\u0131k de\u011fi\u015fiklik bile uzun vadede toplam finansman maliyetini \u00f6nemli \u00f6l\u00e7\u00fcde etkiliyor.<\/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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Faiz_Oranlari_2026_Hizli_Ozet\" >Konut Kredisi Faiz Oranlar\u0131 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\/konut-kredisi-faiz-oranlari-2026\/#En_Dusuk_Konut_Kredisi_Faizi_Hangi_Bankada\" >En D\u00fc\u015f\u00fck Konut Kredisi Faizi Hangi Bankada?<\/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\/konut-kredisi-faiz-oranlari-2026\/#Bankalara_Gore_Konut_Kredisi_Faiz_Oranlari\" >Bankalara G\u00f6re Konut Kredisi Faiz Oranlar\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\/konut-kredisi-faiz-oranlari-2026\/#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-5\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/#2_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\" >2 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\/konut-kredisi-faiz-oranlari-2026\/#3_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\" >3 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-7\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Ne_Kadar_Cikar\" >Konut Kredisi Ne Kadar \u00c7\u0131kar?<\/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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Icin_Ne_Kadar_Pesinat_Gerekir\" >Konut Kredisi \u0130\u00e7in Ne Kadar Pe\u015finat Gerekir?<\/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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Masraflari_Nelerdir\" >Konut Kredisi Masraflar\u0131 Nelerdir?<\/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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Faizleri_Duser_mi\" >Konut Kredisi Faizleri D\u00fc\u015fer mi?<\/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\/konut-kredisi-faiz-oranlari-2026\/#Ilk_Evim_Dusuk_Faizli_Konut_Kredisi_Basladi_mi\" >\u0130lk Evim D\u00fc\u015f\u00fck Faizli 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-12\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Basvurusu_Icin_Gerekli_Belgeler\" >Konut Kredisi Ba\u015fvurusu \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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Alirken_Nelere_Dikkat_Edilmeli\" >Konut Kredisi Al\u0131rken Nelere Dikkat Edilmeli?<\/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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_mi_Pesin_Faizli_Konut_Kredisi_mi\" >Konut Kredisi mi, Pe\u015fin Faizli Konut Kredisi 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\/konut-kredisi-faiz-oranlari-2026\/#Konut_Kredisi_Faiz_Oranlari_Hakkinda_Sikca_Sorulan_Sorular\" >Konut Kredisi Faiz Oranlar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faiz_Oranlari_2026_Hizli_Ozet\"><\/span>Konut Kredisi Faiz Oranlar\u0131 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>1 Ekim 2026 g\u00fcncel konut kredisi faiz oranlar\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Banka \/ Finansman<\/th>\n<th scope=\"col\">Ayl\u0131k Oran<\/th>\n<th scope=\"col\">1 Milyon TL \/ 120 Ay Yakla\u015f\u0131k Taksit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Kuveyt T\u00fcrk \u2013 kampanyal\u0131 finansman<\/td>\n<td>%2,87 civar\u0131<\/td>\n<td>29.696 TL<\/td>\n<\/tr>\n<tr>\n<td>Yap\u0131 Kredi<\/td>\n<td>%2,88&#8217;den ba\u015flayan<\/td>\n<td>29.787 TL<\/td>\n<\/tr>\n<tr>\n<td>Ziraat Bankas\u0131<\/td>\n<td>%2,89<\/td>\n<td>29.879 TL<\/td>\n<\/tr>\n<tr>\n<td>Ziraat Kat\u0131l\u0131m<\/td>\n<td>%2,89 civar\u0131<\/td>\n<td>29.879 TL<\/td>\n<\/tr>\n<tr>\n<td>Albaraka T\u00fcrk<\/td>\n<td>%2,90 civar\u0131<\/td>\n<td>29.970 TL<\/td>\n<\/tr>\n<tr>\n<td>Vak\u0131f Kat\u0131l\u0131m<\/td>\n<td>%2,94 civar\u0131<\/td>\n<td>30.337 TL<\/td>\n<\/tr>\n<tr>\n<td>Halkbank<\/td>\n<td>%2,99<\/td>\n<td>30.798 TL<\/td>\n<\/tr>\n<tr>\n<td>\u0130\u015f Bankas\u0131<\/td>\n<td>%3,10<\/td>\n<td>31.816 TL<\/td>\n<\/tr>\n<tr>\n<td>Akbank<\/td>\n<td>%3,15&#8217;ten ba\u015flayan<\/td>\n<td>32.281 TL<\/td>\n<\/tr>\n<tr>\n<td>TEB<\/td>\n<td>%3,20 civar\u0131<\/td>\n<td>32.748 TL<\/td>\n<\/tr>\n<tr>\n<td>Garanti BBVA<\/td>\n<td>%3,24 civar\u0131<\/td>\n<td>33.122 TL<\/td>\n<\/tr>\n<tr>\n<td>DenizBank<\/td>\n<td>%3,26 civar\u0131<\/td>\n<td>33.309 TL<\/td>\n<\/tr>\n<tr>\n<td>Emlak Kat\u0131l\u0131m<\/td>\n<td>%3,39 civar\u0131<\/td>\n<td>34.532 TL<\/td>\n<\/tr>\n<tr>\n<td>ING<\/td>\n<td>%3,54 civar\u0131<\/td>\n<td>35.953 TL<\/td>\n<\/tr>\n<tr>\n<td>ICBC Turkey<\/td>\n<td>%3,83 civar\u0131<\/td>\n<td>38.726 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00d6nemli:<\/strong> Tablodaki oranlar\u0131n bir b\u00f6l\u00fcm\u00fc kampanyal\u0131 veya belirli \u00fcr\u00fcn ko\u015fullar\u0131na ba\u011fl\u0131 ba\u015flang\u0131\u00e7 oranlar\u0131d\u0131r. Ayn\u0131 banka; sigortal\u0131-sigortas\u0131z \u00fcr\u00fcn, m\u00fc\u015fteri profili, kredi tutar\u0131 ve ek bankac\u0131l\u0131k \u00fcr\u00fcnlerinin kullan\u0131m\u0131na g\u00f6re farkl\u0131 faiz uygulayabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"En_Dusuk_Konut_Kredisi_Faizi_Hangi_Bankada\"><\/span>En D\u00fc\u015f\u00fck Konut Kredisi Faizi Hangi Bankada?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 itibar\u0131yla piyasa kar\u015f\u0131la\u015ft\u0131rmalar\u0131nda g\u00f6r\u00fclen en d\u00fc\u015f\u00fck konut finansman\u0131 teklifleri yakla\u015f\u0131k <strong>%2,87<\/strong> seviyesinden ba\u015fl\u0131yor. Bu seviyede \u00f6zellikle kat\u0131l\u0131m finansman\u0131 kampanyalar\u0131 \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kamu bankalar\u0131 aras\u0131nda Ziraat Bankas\u0131&#8217;n\u0131n ayl\u0131k %2,89 ve Halkbank&#8217;\u0131n %2,99 seviyesindeki konut kredisi oranlar\u0131 dikkat \u00e7ekiyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zel bankalarda ise Yap\u0131 Kredi %2,88&#8217;den ba\u015flayan, \u0130\u015f Bankas\u0131 %3,10 ve Akbank 120 ay vadede %3,15&#8217;ten ba\u015flayan oranlarla konut kredisi se\u00e7enekleri sunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130htiya\u00e7, ta\u015f\u0131t ve konut kredilerini birlikte kar\u015f\u0131la\u015ft\u0131rmak isteyenler <a href=\"https:\/\/www.karekod.org\/blog\/bankalarin-kredi-faiz-oranlari\/\">bankalar\u0131n kredi faiz oranlar\u0131<\/a> rehberini inceleyebilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bankalara_Gore_Konut_Kredisi_Faiz_Oranlari\"><\/span>Bankalara G\u00f6re Konut Kredisi Faiz Oranlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bankalar\u0131n konut kredisi faiz oranlar\u0131 tek bir sabit oran olarak de\u011ferlendirilmemelidir. Uygulanacak faiz veya k\u00e2r pay\u0131; kredi tutar\u0131, vade, m\u00fc\u015fterinin kredi notu, gelir durumu, mevcut konut sahipli\u011fi, sigorta tercihi ve bankan\u0131n kampanya ko\u015fullar\u0131na g\u00f6re de\u011fi\u015febilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 d\u00f6neminde 120 ay vadeli konut kredisi ve konut finansman\u0131 \u00fcr\u00fcnlerinde g\u00f6r\u00fclen oranlar yakla\u015f\u0131k olarak \u015f\u00f6yle:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"472\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari-472x590.webp\" alt=\"Bankalara Go\u0308re Konut Kredisi Faiz Oranlar\u0131\" class=\"wp-image-61900\" style=\"width:702px;height:auto\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari-472x590.webp 472w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari-360x450.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari-730x912.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari-350x437.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari-1100x1374.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/Bankalara-Gore-Konut-Kredisi-Faiz-Oranlari.webp 1200w\" sizes=\"(max-width: 472px) 100vw, 472px\" \/><figcaption class=\"wp-element-caption\">Bankalara Go\u0308re Konut Kredisi Faiz Oranlar\u0131<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>Bankalara g\u00f6re konut kredisi faiz oranlar\u0131 \u2013 Ekim 2026<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Banka<\/th>\n<th scope=\"col\">Konut Kredisi \/ Finansman\u0131<\/th>\n<th scope=\"col\">Ayl\u0131k Faiz \/ K\u00e2r Pay\u0131<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Kuveyt T\u00fcrk<\/td>\n<td>Konut Finansman\u0131<\/td>\n<td>%2,87 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Yap\u0131 Kredi<\/td>\n<td>Konut Kredisi<\/td>\n<td>%2,88&#8217;den ba\u015flayan<\/td>\n<\/tr>\n<tr>\n<td>T\u00fcrkiye Finans<\/td>\n<td>Konut Finansman\u0131<\/td>\n<td>%2,88 &#8211; %3,34*<\/td>\n<\/tr>\n<tr>\n<td>Ziraat Bankas\u0131<\/td>\n<td>Konut Kredisi<\/td>\n<td>%2,89<\/td>\n<\/tr>\n<tr>\n<td>Ziraat Kat\u0131l\u0131m<\/td>\n<td>Konut Finansman\u0131<\/td>\n<td>%2,89 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Albaraka T\u00fcrk<\/td>\n<td>Konut Finansman\u0131<\/td>\n<td>%2,90 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Vak\u0131f Kat\u0131l\u0131m<\/td>\n<td>Konut Finansman\u0131<\/td>\n<td>%2,94 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Vak\u0131fBank<\/td>\n<td>Konut Kredisi<\/td>\n<td>%2,95 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Halkbank<\/td>\n<td>Hesapl\u0131 Evim Konut Kredisi<\/td>\n<td>%2,99<\/td>\n<\/tr>\n<tr>\n<td>QNB<\/td>\n<td>Konut Kredisi<\/td>\n<td>%2,99 civar\u0131**<\/td>\n<\/tr>\n<tr>\n<td>\u0130\u015f Bankas\u0131<\/td>\n<td>Ev Kredisi<\/td>\n<td>%3,10<\/td>\n<\/tr>\n<tr>\n<td>Akbank<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,15 &#8211; %3,30<\/td>\n<\/tr>\n<tr>\n<td>TEB<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,20 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Garanti BBVA<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,24 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>DenizBank<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,26 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Emlak Kat\u0131l\u0131m<\/td>\n<td>Yeni Konut Finansman\u0131<\/td>\n<td>%3,39 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>ING<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,54 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>\u015eekerbank<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,58 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>ICBC Turkey<\/td>\n<td>Yeni Evim Kredisi<\/td>\n<td>%3,83 civar\u0131<\/td>\n<\/tr>\n<tr>\n<td>Anadolubank<\/td>\n<td>Konut Kredisi<\/td>\n<td>%3,90<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><small>* T\u00fcrkiye Finans&#8217;ta oran, ilk konut\/mevcut konut sahipli\u011fi, sigorta ve ek \u00fcr\u00fcn ko\u015fullar\u0131na g\u00f6re de\u011fi\u015fmektedir. 120 ay vadede farkl\u0131 \u00fcr\u00fcnlerde farkl\u0131 k\u00e2r pay\u0131 oranlar\u0131 uygulanmaktad\u0131r.<\/small><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><small>** QNB&#8217;de standart ilan edilen konut kredisi oran\u0131 ile belirli kampanya ve kar\u015f\u0131la\u015ft\u0131rma platformlar\u0131nda g\u00f6r\u00fclen oranlar farkl\u0131l\u0131k g\u00f6sterebilir. Bu nedenle ba\u015fvuru \u00f6ncesinde bankan\u0131n ki\u015fiye \u00f6zel teklifinin kontrol edilmesi gerekir.<\/small><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fiyat de\u011ferlendirmesi:<\/strong> Ekim 2026 d\u00f6neminde avantajl\u0131 konut kredisi ve finansman teklifleri yakla\u015f\u0131k %2,87 seviyesinden ba\u015fl\u0131yor. %3&#8217;\u00fcn alt\u0131nda oran sunan banka ve kat\u0131l\u0131m finans kurulu\u015flar\u0131n\u0131n say\u0131s\u0131 artm\u0131\u015f olsa da m\u00fc\u015fteriye uygulanacak nihai oran kampanya \u015fartlar\u0131na g\u00f6re de\u011fi\u015febiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ziraat Bankas\u0131 Konut Kredisi Faiz Oran\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ziraat Bankas\u0131&#8217;nda konut kredisi i\u00e7in 1-120 ay vadede ayl\u0131k <strong>%2,89<\/strong> seviyesinde kampanyal\u0131 oran bulunuyor. Kampanyal\u0131 faizden yararlanmak i\u00e7in banka taraf\u0131ndan belirlenen Bankkart, otomatik \u00f6deme talimat\u0131, sigorta ve di\u011fer \u00fcr\u00fcn ko\u015fullar\u0131n\u0131n sa\u011flanmas\u0131 gerekebiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Halkbank Konut Kredisi Faiz Oran\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Halkbank Hesapl\u0131 Evim Konut Kredisi kapsam\u0131nda 1 milyon TL ve 120 ay i\u00e7in ayl\u0131k <strong>%2,99<\/strong> faiz oran\u0131yla yakla\u015f\u0131k 30.798 TL ayl\u0131k taksit olu\u015fuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredide tahsis, ekspertiz, ipotek tesis ve iste\u011fe ba\u011fl\u0131 sigorta gibi maliyetler ayr\u0131ca dikkate al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Yap\u0131 Kredi Konut Kredisi Faiz Oran\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yap\u0131 Kredi&#8217;de 120 ay vadeli konut finansman\u0131nda ayl\u0131k oranlar yakla\u015f\u0131k <strong>%2,88&#8217;den<\/strong> ba\u015flayabiliyor. Uygulanacak nihai oran m\u00fc\u015fteri ve \u00fcr\u00fcn ko\u015fullar\u0131na g\u00f6re de\u011fi\u015febiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130\u015f Bankas\u0131 Konut Kredisi Faiz Oran\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015f Bankas\u0131&#8217;n\u0131n hayat sigortal\u0131 standart Ev Kredisi \u00fcr\u00fcn\u00fcnde 1-120 ay vadede ayl\u0131k faiz oran\u0131 <strong>%3,10<\/strong> seviyesinde. Hayat sigortas\u0131z \u00fcr\u00fcnlerde daha y\u00fcksek oran uygulanabiliyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Akbank Konut Kredisi Faiz Oran\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Akbank&#8217;\u0131n 120 ay vadeli sigortal\u0131 konut kredilerinde ayl\u0131k faiz oran\u0131 yakla\u015f\u0131k <strong>%3,15 ile %3,30<\/strong> aras\u0131nda de\u011fi\u015fiyor. 60 ve 12 ayl\u0131k vadelerde farkl\u0131 faiz aral\u0131klar\u0131 uygulanabiliyor.<\/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<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"472\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi-472x590.webp\" alt=\"1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi\" class=\"wp-image-61901\" style=\"width:755px;height:auto\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi-472x590.webp 472w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi-360x450.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi-730x912.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi-350x437.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi-1100x1374.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/06\/1-Milyon-TL-Konut-Kredisi-Infografigi.webp 1200w\" sizes=\"(max-width: 472px) 100vw, 472px\" \/><figcaption class=\"wp-element-caption\">1 Milyon TL Konut Kredisi Ayl\u0131k \u00d6demesi<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">1 milyon TL konut kredisinin ayl\u0131k \u00f6demesi faiz oran\u0131na g\u00f6re yakla\u015f\u0131k 29.700 TL ile 33.000 TL&#8217;nin \u00fczerine \u00e7\u0131kabiliyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>1 milyon TL 120 ay konut kredisi taksit kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Ayl\u0131k 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>\n<td>%2,87<\/td>\n<td>120 ay<\/td>\n<td>29.696 TL<\/td>\n<\/tr>\n<tr>\n<td>%2,88<\/td>\n<td>120 ay<\/td>\n<td>29.787 TL<\/td>\n<\/tr>\n<tr>\n<td>%2,89<\/td>\n<td>120 ay<\/td>\n<td>29.879 TL<\/td>\n<\/tr>\n<tr>\n<td>%2,94<\/td>\n<td>120 ay<\/td>\n<td>30.337 TL<\/td>\n<\/tr>\n<tr>\n<td>%2,99<\/td>\n<td>120 ay<\/td>\n<td>30.798 TL<\/td>\n<\/tr>\n<tr>\n<td>%3,10<\/td>\n<td>120 ay<\/td>\n<td>31.816 TL<\/td>\n<\/tr>\n<tr>\n<td>%3,15<\/td>\n<td>120 ay<\/td>\n<td>32.281 TL<\/td>\n<\/tr>\n<tr>\n<td>%3,24<\/td>\n<td>120 ay<\/td>\n<td>33.122 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin %2,87 ile %3,24 aras\u0131ndaki ayl\u0131k taksit fark\u0131 yakla\u015f\u0131k <strong>3.426 TL<\/strong>. Bu fark 120 ayl\u0131k vade boyunca \u00f6nemli bir toplam maliyet fark\u0131na d\u00f6n\u00fc\u015febilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\"><\/span>2 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\">Ayl\u0131k %2,89 faiz ve 120 ay vade varsay\u0131m\u0131yla 2 milyon TL konut kredisinin ayl\u0131k taksiti yakla\u015f\u0131k <strong>59.757 TL<\/strong> olur.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>%2,89 faiz oran\u0131yla \u00f6rnek konut kredisi hesaplamas\u0131<\/caption>\n<thead>\n<tr>\n<th scope=\"col\">Kredi Tutar\u0131<\/th>\n<th scope=\"col\">Vade<\/th>\n<th scope=\"col\">Yakla\u015f\u0131k Ayl\u0131k Taksit<\/th>\n<th scope=\"col\">120 Ay Taksit Toplam\u0131*<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>500.000 TL<\/td>\n<td>120 ay<\/td>\n<td>14.939 TL<\/td>\n<td>1.792.713 TL<\/td>\n<\/tr>\n<tr>\n<td>1.000.000 TL<\/td>\n<td>120 ay<\/td>\n<td>29.879 TL<\/td>\n<td>3.585.425 TL<\/td>\n<\/tr>\n<tr>\n<td>2.000.000 TL<\/td>\n<td>120 ay<\/td>\n<td>59.757 TL<\/td>\n<td>7.170.850 TL<\/td>\n<\/tr>\n<tr>\n<td>3.000.000 TL<\/td>\n<td>120 ay<\/td>\n<td>89.636 TL<\/td>\n<td>10.756.275 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><small>*Hesaplama yaln\u0131zca anapara ve faiz \u00fczerinden \u00f6rneklenmi\u015ftir. Tahsis, ekspertiz, ipotek tesis, DASK ve iste\u011fe ba\u011fl\u0131 sigorta gibi ek maliyetler dahil de\u011fildir.<\/small><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Milyon_TL_Konut_Kredisi_Aylik_Odemesi_Ne_Kadar\"><\/span>3 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\">Ayl\u0131k %2,89 faiz oran\u0131yla 120 ay vadeli 3 milyon TL konut kredisi i\u00e7in ayl\u0131k taksit yakla\u015f\u0131k <strong>89.636 TL<\/strong> seviyesine geliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak 3 milyon TL kredi kullan\u0131labilmesi yaln\u0131zca gelir seviyesine ba\u011fl\u0131 de\u011fil. Sat\u0131n al\u0131nacak konutun ekspertiz de\u011feri ve enerji s\u0131n\u0131f\u0131 da kullan\u0131labilecek azami kredi tutar\u0131n\u0131 do\u011frudan belirliyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Ne_Kadar_Cikar\"><\/span>Konut Kredisi Ne Kadar \u00c7\u0131kar?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026 y\u0131l\u0131nda kullan\u0131labilecek azami konut kredisi, BDDK taraf\u0131ndan belirlenen <strong>kredi\/de\u011fer oranlar\u0131na<\/strong> g\u00f6re hesaplan\u0131yor. Oran konutun ekspertiz de\u011ferine ve enerji s\u0131n\u0131f\u0131na g\u00f6re de\u011fi\u015fiyor.<\/p>\n\n\n\n<figure class=\"wp-block-table\">\n<table>\n<caption>2026 konut de\u011ferine g\u00f6re azami konut kredisi oranlar\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 Enerji S\u0131n\u0131flar\u0131<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>5 milyon TL ve alt\u0131<\/td>\n<td>%90<\/td>\n<td>%80<\/td>\n<td>%70<\/td>\n<\/tr>\n<tr>\n<td>5-7 milyon TL<\/td>\n<td>%80<\/td>\n<td>%70<\/td>\n<td>%60<\/td>\n<\/tr>\n<tr>\n<td>7-10 milyon TL<\/td>\n<td>%70<\/td>\n<td>%60<\/td>\n<td>%50<\/td>\n<\/tr>\n<tr>\n<td>10-20 milyon TL<\/td>\n<td>%50<\/td>\n<td>%40<\/td>\n<td>%30<\/td>\n<\/tr>\n<tr>\n<td>20 milyon TL \u00fczeri<\/td>\n<td>%40<\/td>\n<td>%30<\/td>\n<td>%20<\/td>\n<\/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 ilk konut i\u00e7in mevzuat\u0131n izin verdi\u011fi azami kredi oran\u0131 %90&#8217;a kadar \u00e7\u0131kabiliyor. Bu durumda teorik \u00fcst s\u0131n\u0131r 4,5 milyon TL oluyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak bu oran bankan\u0131n mutlaka 4,5 milyon TL kredi verece\u011fi anlam\u0131na gelmez. Banka ayr\u0131ca gelir, mevcut bor\u00e7lar, kredi notu ve \u00f6deme g\u00fcc\u00fcn\u00fc de\u011ferlendirir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130kinci Evi Alacaklara Ne Kadar Konut Kredisi \u00c7\u0131kar?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi kullanacak ki\u015finin kendisinin, e\u015finin veya 18 ya\u015f\u0131ndan k\u00fc\u00e7\u00fck \u00e7ocuklar\u0131n\u0131n ad\u0131na en az bir konut bulunmas\u0131 halinde kredi\/de\u011fer oran\u0131na ili\u015fkin azami s\u0131n\u0131rlar <strong>%75 azalt\u0131larak<\/strong> uygulan\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6rne\u011fin normal \u015fartlarda %90 kredi\/de\u011fer oran\u0131 uygulanabilecek bir konutta ikinci konut durumunda azami oran %22,5 seviyesine d\u00fc\u015febiliyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Icin_Ne_Kadar_Pesinat_Gerekir\"><\/span>Konut Kredisi \u0130\u00e7in Ne Kadar Pe\u015finat Gerekir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gerekli pe\u015finat miktar\u0131 konutun ekspertiz de\u011feri ve enerji s\u0131n\u0131f\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lk konutunu sat\u0131n alan biri i\u00e7in 5 milyon TL ve alt\u0131ndaki bir konutta teorik asgari pe\u015finat:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A-B enerji s\u0131n\u0131f\u0131:<\/strong> en az %10,<\/li>\n\n\n\n<li><strong>C enerji s\u0131n\u0131f\u0131:<\/strong> en az %20,<\/li>\n\n\n\n<li><strong>di\u011fer enerji s\u0131n\u0131flar\u0131:<\/strong> en az %30<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">olabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekspertiz de\u011ferinin sat\u0131\u015f fiyat\u0131n\u0131n alt\u0131nda \u00e7\u0131kmas\u0131 halinde al\u0131c\u0131n\u0131n cebinden \u00e7\u0131kacak ger\u00e7ek pe\u015finat miktar\u0131 daha y\u00fcksek olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Masraflari_Nelerdir\"><\/span>Konut Kredisi Masraflar\u0131 Nelerdir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Konut kredisi maliyeti yaln\u0131zca ayl\u0131k faiz ve taksitten olu\u015fmaz. Kredi kullan\u0131rken \u00e7e\u015fitli ek giderler ortaya \u00e7\u0131kabilir.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kredi tahsis \u00fccreti,<\/li>\n\n\n\n<li>ekspertiz \u00fccreti,<\/li>\n\n\n\n<li>ipotek tesis \u00fccreti,<\/li>\n\n\n\n<li>DASK primi,<\/li>\n\n\n\n<li>konut sigortas\u0131,<\/li>\n\n\n\n<li>hayat sigortas\u0131.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zellikle hayat sigortas\u0131 primi m\u00fc\u015fterinin ya\u015f\u0131, kredi tutar\u0131 ve vadeye g\u00f6re \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015febilir. Bu nedenle bankalar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken yaln\u0131zca ilan edilen ayl\u0131k faiz oran\u0131na de\u011fil, <strong>y\u0131ll\u0131k maliyet oran\u0131na ve toplam geri \u00f6demeye<\/strong> de bak\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faizleri_Duser_mi\"><\/span>Konut Kredisi Faizleri D\u00fc\u015fer mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">1 Ekim 2026 itibar\u0131yla TCMB politika faizi <strong>%37<\/strong> seviyesinde bulunuyor. Konut kredisi faizlerinin y\u00f6n\u00fc; politika faizi, bankalar\u0131n fonlama maliyeti, mevduat faizleri, enflasyon beklentileri ve kredi talebi gibi bir\u00e7ok fakt\u00f6re ba\u011fl\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Politika faizindeki d\u00fc\u015f\u00fc\u015f\u00fcn devam etmesi ve bankalar\u0131n fonlama maliyetlerinin gerilemesi durumunda konut kredisi oranlar\u0131nda da a\u015fa\u011f\u0131 y\u00f6nl\u00fc hareket g\u00f6r\u00fclebilir. Ancak Merkez Bankas\u0131 politika faizi ile bankalar\u0131n konut kredisi faizleri birebir ve ayn\u0131 h\u0131zda hareket etmez.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ilk_Evim_Dusuk_Faizli_Konut_Kredisi_Basladi_mi\"><\/span>\u0130lk Evim D\u00fc\u015f\u00fck Faizli Konut Kredisi Ba\u015flad\u0131 m\u0131?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130lk kez ev sahibi olacaklara y\u00f6nelik yeni d\u00fc\u015f\u00fck faizli konut finansman\u0131 modeli 2026 y\u0131l\u0131nda g\u00fcndemde kalmaya devam ediyor. Kamuoyunda \u00f6zellikle %1,20 faiz ve 180 aya kadar vade se\u00e7enekleri konu\u015fuluyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak <strong>1 Ekim 2026 itibar\u0131yla %1,20 faizli yeni kamu destekli \u0130lk Evim kampanyas\u0131 resmi olarak ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f de\u011fil.<\/strong> Dolay\u0131s\u0131yla bu oran standart bankac\u0131l\u0131k \u00fcr\u00fcnlerindeki mevcut %2,87-%3 ve \u00fczeri faizlerle kar\u0131\u015ft\u0131r\u0131lmamal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Basvurusu_Icin_Gerekli_Belgeler\"><\/span>Konut Kredisi Ba\u015fvurusu \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 farkl\u0131 belgeler istenebilmekle birlikte konut kredisi ba\u015fvurusunda 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 ikamet belgesi,<\/li>\n\n\n\n<li>serbest meslek sahipleri i\u00e7in vergi ve gelir belgeleri,<\/li>\n\n\n\n<li>\u015firket ortaklar\u0131 i\u00e7in \u015firket ve mali durum belgeleri.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kredi \u00f6n de\u011ferlendirmesinin ard\u0131ndan sat\u0131n al\u0131nacak konut i\u00e7in ekspertiz i\u015flemi ger\u00e7ekle\u015ftirilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Alirken_Nelere_Dikkat_Edilmeli\"><\/span>Konut Kredisi Al\u0131rken Nelere Dikkat Edilmeli?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Konut kredisi kar\u015f\u0131la\u015ft\u0131r\u0131rken yaln\u0131zca \u201cen d\u00fc\u015f\u00fck faiz hangi bankada?\u201d sorusuna odaklanmak yeterli de\u011fildir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kar\u015f\u0131la\u015ft\u0131rmada \u015fu kalemlerin birlikte de\u011ferlendirilmesi daha do\u011fru olur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ayl\u0131k faiz veya k\u00e2r pay\u0131 oran\u0131,<\/li>\n\n\n\n<li>ayl\u0131k taksit,<\/li>\n\n\n\n<li>toplam geri \u00f6deme,<\/li>\n\n\n\n<li>y\u0131ll\u0131k maliyet oran\u0131,<\/li>\n\n\n\n<li>tahsis ve ekspertiz giderleri,<\/li>\n\n\n\n<li>sigorta maliyetleri,<\/li>\n\n\n\n<li>erken \u00f6deme \u015fartlar\u0131,<\/li>\n\n\n\n<li>kampanya i\u00e7in zorunlu tutulan ek banka \u00fcr\u00fcnleri.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zellikle 120 ay gibi uzun vadelerde faiz oran\u0131ndaki k\u00fc\u00e7\u00fck farklar toplam maliyette y\u00fcz binlerce liral\u0131k de\u011fi\u015fikli\u011fe neden olabilir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_mi_Pesin_Faizli_Konut_Kredisi_mi\"><\/span>Konut Kredisi mi, Pe\u015fin Faizli Konut Kredisi mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Baz\u0131 bankalar standart e\u015fit taksitli konut kredisinin d\u0131\u015f\u0131nda pe\u015fin faiz \u00f6demeli \u00fcr\u00fcnler de sunuyor. Bu modellerde faiz tutar\u0131n\u0131n bir b\u00f6l\u00fcm\u00fc ba\u015flang\u0131\u00e7ta \u00f6denerek ayl\u0131k taksit d\u00fc\u015f\u00fcr\u00fclebiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak d\u00fc\u015f\u00fck g\u00f6r\u00fcnen ayl\u0131k faiz oran\u0131 tek ba\u015f\u0131na daha ucuz kredi anlam\u0131na gelmez. Pe\u015fin \u00f6denen faiz ve di\u011fer maliyetler toplam finansman giderine dahil edilerek kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faiz_Oranlari_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>Konut Kredisi Faiz Oranlar\u0131 Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"karekod-faq\">\n<h3>En d\u00fc\u015f\u00fck konut kredisi faizi ne kadar?<\/h3>\n<p>1 Ekim 2026 itibar\u0131yla kampanyal\u0131 konut finansman\u0131 teklifleri yakla\u015f\u0131k %2,87 seviyesinden ba\u015fl\u0131yor. Banka ve m\u00fc\u015fteri ko\u015fullar\u0131na g\u00f6re oran de\u011fi\u015febilir.<\/p>\n<h3>Ziraat Bankas\u0131 konut kredisi faiz oran\u0131 ne kadar?<\/h3>\n<p>Ziraat Bankas\u0131&#8217;nda kampanya ko\u015fullar\u0131n\u0131n sa\u011flanmas\u0131 halinde 1-120 ay vadede ayl\u0131k %2,89 konut kredisi oran\u0131 bulunuyor.<\/p>\n<h3>Halkbank konut kredisi faiz oran\u0131 ne kadar?<\/h3>\n<p>Halkbank Hesapl\u0131 Evim Konut Kredisi i\u00e7in \u00f6rnek ayl\u0131k faiz oran\u0131 %2,99 seviyesinde.<\/p>\n<h3>\u0130\u015f Bankas\u0131 konut kredisi faiz oran\u0131 ne kadar?<\/h3>\n<p>\u0130\u015f Bankas\u0131 hayat sigortal\u0131 Ev Kredisi \u00fcr\u00fcn\u00fcnde 1-120 ay i\u00e7in ayl\u0131k faiz oran\u0131 %3,10 seviyesinde.<\/p>\n<h3>Akbank konut kredisi faiz oran\u0131 ne kadar?<\/h3>\n<p>Akbank&#8217;\u0131n 120 ay vadeli sigortal\u0131 konut kredilerinde ayl\u0131k faiz yakla\u015f\u0131k %3,15&#8217;ten ba\u015fl\u0131yor ve \u00fcr\u00fcn ko\u015fullar\u0131na g\u00f6re %3,30 seviyesine \u00e7\u0131kabiliyor.<\/p>\n<h3>1 milyon TL konut kredisi ayl\u0131k taksiti ne kadar?<\/h3>\n<p>120 ay vadede ayl\u0131k %2,89 faiz oran\u0131yla 1 milyon TL konut kredisi i\u00e7in ayl\u0131k taksit yakla\u015f\u0131k 29.879 TL&#8217;dir.<\/p>\n<h3>2 milyon TL konut kredisi ayl\u0131k taksiti ne kadar?<\/h3>\n<p>120 ay vadede ayl\u0131k %2,89 faiz varsay\u0131m\u0131yla 2 milyon TL konut kredisi i\u00e7in ayl\u0131k taksit yakla\u015f\u0131k 59.757 TL&#8217;dir.<\/p>\n<h3>3 milyon TL konut kredisi ayl\u0131k taksiti ne kadar?<\/h3>\n<p>120 ay vadede ayl\u0131k %2,89 faiz varsay\u0131m\u0131yla 3 milyon TL konut kredisi i\u00e7in ayl\u0131k taksit yakla\u015f\u0131k 89.636 TL&#8217;dir.<\/p>\n<h3>Konut kredisi en fazla ka\u00e7 ay vadeli?<\/h3>\n<p>Standart bireysel konut kredilerinde bankalar yayg\u0131n olarak 120 aya kadar vade sunuyor. Baz\u0131 \u00f6zel \u00fcr\u00fcn veya finansman modellerinde vade farkl\u0131la\u015fabilir.<\/p>\n<h3>5 milyon TL&#8217;lik eve ne kadar kredi \u00e7\u0131kar?<\/h3>\n<p>\u0130lk konutunu alan bir t\u00fcketicide 5 milyon TL de\u011ferindeki A-B enerji s\u0131n\u0131f\u0131 konutta azami kredi\/de\u011fer oran\u0131 %90&#8217;a kadar \u00e7\u0131kabilir. C enerji s\u0131n\u0131f\u0131nda %80, di\u011fer enerji s\u0131n\u0131flar\u0131nda %70 \u00fcst s\u0131n\u0131r uygulan\u0131r.<\/p>\n<h3>\u0130kinci eve konut kredisi \u00e7\u0131kar m\u0131?<\/h3>\n<p>Evet; ancak ki\u015finin, e\u015finin veya 18 ya\u015f\u0131ndan k\u00fc\u00e7\u00fck \u00e7ocuklar\u0131n\u0131n ad\u0131na en az bir konut bulunmas\u0131 halinde azami kredi\/de\u011fer oran\u0131 %75 azalt\u0131larak uygulan\u0131r.<\/p>\n<h3>Konut kredisi faizleri d\u00fc\u015fecek mi?<\/h3>\n<p>Konut kredisi faizlerinin y\u00f6n\u00fc politika faizi, enflasyon, mevduat maliyeti ve bankalar\u0131n fonlama ko\u015fullar\u0131na ba\u011fl\u0131d\u0131r. Faizlerin kesin olarak ne zaman veya ne kadar d\u00fc\u015fece\u011fini \u00f6nceden s\u00f6ylemek m\u00fcmk\u00fcn de\u011fildir.<\/p>\n<h3>%1,20 \u0130lk Evim konut kredisi ba\u015flad\u0131 m\u0131?<\/h3>\n<p>1 Ekim 2026 itibar\u0131yla %1,20 faizli yeni kamu destekli \u0130lk Evim konut kredisi resmi olarak ba\u015fvuruya a\u00e7\u0131lm\u0131\u015f de\u011fildir.<\/p>\n<\/div>\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 g\u00fcn i\u00e7inde ve m\u00fc\u015fteri \u00f6zelinde de\u011fi\u015febilir. Tablolar 1 Ekim 2026 itibar\u0131yla g\u00f6r\u00fclen banka ve piyasa teklifleri esas al\u0131narak haz\u0131rlanm\u0131\u015ft\u0131r. Kredi kullanmadan \u00f6nce bankan\u0131n g\u00fcncel faiz oran\u0131, y\u0131ll\u0131k maliyet oran\u0131 ve toplam geri \u00f6deme tutar\u0131 kontrol edilmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><cite>Karekod Blog<\/cite>\n<\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Konut kredisi faiz oranlar\u0131 1 Ekim itibar\u0131yla piyasadaki avantajl\u0131 konut finansman\u0131 teklifleri ayl\u0131k yakla\u015f\u0131k %2,87 seviyesinden ba\u015flarken bir\u00e7ok bankada 120 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":61902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958],"tags":[6289,6290,6291,6287,6288,6292],"class_list":["post-42943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bankalara-gore-konut-kredisi-faiz-oranlari","tag-en-dusuk-konut-kredisi-faizi","tag-guncel-konut-kredisi-faizleri","tag-konut-kredisi-faiz-oranlari","tag-konut-kredisi-faiz-oranlari-2026","tag-konut-kredisi-hesaplama"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Konut Kredisi Faiz Oranlar\u0131 2026: En D\u00fc\u015f\u00fck Faiz Hangi Bankada?<\/title>\n<meta name=\"description\" content=\"1 Ekim 2026 konut kredisi faiz oranlar\u0131. 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