{"id":42943,"date":"2025-03-18T17:54:10","date_gmt":"2025-03-18T14:54:10","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=42943"},"modified":"2025-03-18T22:14:33","modified_gmt":"2025-03-18T19:14:33","slug":"konut-kredisi-faiz-oranlari-2025","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2025\/","title":{"rendered":"Konut Kredisi Faiz Oranlar\u0131 2026"},"content":{"rendered":"\n<p>Banka ve finans kurulu\u015flar\u0131, 2025 y\u0131l\u0131 itibar\u0131yla konut kredisi faiz oranlar\u0131nda \u00f6nemli indirimler yaparak vatanda\u015flara daha uygun \u00f6deme ko\u015fullar\u0131 sunmaktad\u0131r. Bu geli\u015fme, konut almak isteyen bireyler i\u00e7in b\u00fcy\u00fck bir f\u0131rsat yarat\u0131yor. \u0130\u015fte, 2025 y\u0131l\u0131 itibar\u0131yla konut kredisi faiz oranlar\u0131 ve \u00f6rnek \u00f6deme planlar\u0131:<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<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-2025\/#Konut_Kredisi_Faiz_Oranlari\" >Konut Kredisi Faiz Oranlar\u0131<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2025\/#Konut_Kredisi_Faiz_Oranlari_2025_Vadeli\" >Konut Kredisi Faiz Oranlar\u0131 2025 (Vadeli)<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2025\/#Konut_Kredisi_Faiz_Oranlari_ve_Odeme_Ornekleri\" >Konut Kredisi Faiz Oranlar\u0131 ve \u00d6deme \u00d6rnekleri<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2025\/#Yeni_Evlilere_Ozel_Konut_Kredisi_Kampanyasi\" >Yeni Evlilere \u00d6zel Konut Kredisi Kampanyas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2025\/#SSS_Sikca_Sorulan_Sorular\" >SSS (S\u0131k\u00e7a Sorulan Sorular)<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faiz_Oranlari\"><\/span><strong>Konut Kredisi Faiz Oranlar\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Konut almak isteyenler i\u00e7in 2025 y\u0131l\u0131 b\u00fcy\u00fck bir f\u0131rsat sunuyor. Bankalar, konut kredisi faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrerek, daha uygun \u00f6deme se\u00e7enekleri sunmaktad\u0131r. Konut kredisi faiz oranlar\u0131, \u00f6zellikle uzun vadeli \u00f6demelerde \u00f6nemli bir fark yaratmaktad\u0131r. Yeni faiz oranlar\u0131yla birlikte, 1 milyon TL&#8217;lik bir krediyi 120 ay vade ile almak isteyen bir birey, daha d\u00fc\u015f\u00fck taksitlerle borcunu \u00f6deyebilecek. Bu, \u00f6zellikle b\u00fct\u00e7elerini s\u0131k\u0131 tutmak isteyen al\u0131c\u0131lar i\u00e7in b\u00fcy\u00fck bir avantaj sa\u011flar.<\/p>\n\n\n\n<p>Konut kredisi faiz oranlar\u0131n\u0131n 2025 y\u0131l\u0131nda daha da d\u00fc\u015fmesi, hem al\u0131c\u0131lar\u0131n hem de emlak sekt\u00f6r\u00fcn\u00fcn canlanmas\u0131na yard\u0131mc\u0131 olacakt\u0131r. Bankalar, <strong>%2.59<\/strong> gibi cazip faiz oranlar\u0131yla, t\u00fcketicilerin konut sahibi olmalar\u0131n\u0131 daha kolay hale getirmeyi hedefliyor. Ancak, faiz oranlar\u0131n\u0131n her vadede de\u011fi\u015fti\u011fini ve her kredi paketinin kendine \u00f6zg\u00fc faiz oranlar\u0131na sahip oldu\u011funu unutmamak gerekir.<\/p>\n\n\n\n<p>\u00d6rne\u011fin, 120 ay vadeli bir kredi i\u00e7in <strong>%2.79<\/strong> faiz oran\u0131yla ayl\u0131k 28.966 TL taksit \u00f6deyecek olan bir ki\u015fi, <strong>%2.59<\/strong> faiz oran\u0131yla taksitlerini 27.162 TL&#8217;ye \u00e7ekebilir. Bu, ayl\u0131k 1.804 TL&#8217;lik bir <a href=\"https:\/\/tr.wikipedia.org\/wiki\/Tasarruf\">tasarruf<\/a> anlam\u0131na gelir. Uzun vadeli kredilerde faiz oranlar\u0131ndaki her de\u011fi\u015fiklik, toplam geri \u00f6deme tutar\u0131n\u0131 etkileyebilir. <strong>%2.59<\/strong> faiz oran\u0131 ile yap\u0131lan kredi \u00f6demesinde toplam geri \u00f6deme, <strong>%2.79<\/strong> faiz oran\u0131na g\u00f6re 216.500 TL daha d\u00fc\u015f\u00fck olacakt\u0131r.<\/p>\n\n\n\n<p>Konut kredisi ba\u015fvurusu yapmadan \u00f6nce, faiz oranlar\u0131n\u0131n vade ve \u00f6deme plan\u0131na g\u00f6re ne kadar fark yarataca\u011f\u0131n\u0131 dikkatlice hesaplamak gerekmektedir. Ayr\u0131ca, kredi \u00fcr\u00fcn paketinin se\u00e7ilmesinin de \u00f6nemli bir etken oldu\u011fu unutulmamal\u0131d\u0131r. Bankalar, <strong>konut kredisi \u00fcr\u00fcn paketlerini<\/strong> se\u00e7en m\u00fc\u015fterilere daha uygun faiz oranlar\u0131 sunabilmektedir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faiz_Oranlari_2025_Vadeli\"><\/span><strong>Konut Kredisi Faiz Oranlar\u0131 2025 (Vadeli)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Vade (Ay)<\/th><th>Faiz <br>Oran\u0131<\/th><th>Ayl\u0131k <br>Taksit<\/th><th>Toplam<\/th><\/tr><\/thead><tbody><tr><td>1 &#8211; 12 Ay<\/td><td>%3.09<\/td><td>&#8211;<\/td><td>&#8211;<\/td><\/tr><tr><td>13 &#8211; 24 Ay<\/td><td>%2.99<\/td><td>&#8211;<\/td><td>&#8211;<\/td><\/tr><tr><td>25 &#8211; 48 Ay<\/td><td>%2.89<\/td><td>&#8211;<\/td><td>&#8211;<\/td><\/tr><tr><td>49 &#8211; 72 Ay<\/td><td>%2.79<\/td><td>28.966 TL<\/td><td>3.475.928 TL<\/td><\/tr><tr><td>73 &#8211; 96 Ay<\/td><td>%2.69<\/td><td>&#8211;<\/td><td>&#8211;<\/td><\/tr><tr><td>97 &#8211; 120 Ay<\/td><td>%2.59<\/td><td>27.162 TL<\/td><td>3.259.440 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Konut_Kredisi_Faiz_Oranlari_ve_Odeme_Ornekleri\"><\/span><strong>Konut Kredisi Faiz Oranlar\u0131 ve \u00d6deme \u00d6rnekleri<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>2025 y\u0131l\u0131nda, 1.000.000 TL tutar\u0131ndaki 120 ay vadeli bir konut kredisi i\u00e7in faiz oranlar\u0131na g\u00f6re \u00f6deme planlar\u0131 \u015fu \u015fekilde \u015fekillenir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>%2.79 Faiz Oran\u0131 (49-72 Ay Vadeli)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Ayl\u0131k Taksit: 28.966 TL<\/li>\n\n\n\n<li>Toplam Geri \u00d6deme: 3.475.928 TL<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>%2.59 Faiz Oran\u0131 (97-120 Ay Vadeli)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Ayl\u0131k Taksit: 27.162 TL<\/li>\n\n\n\n<li>Toplam Geri \u00d6deme: 3.259.440 TL<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Bu iki \u00f6rnek aras\u0131nda <strong>1.804 TL<\/strong>&#8216;lik bir ayl\u0131k taksit fark\u0131 ve toplamda <strong>216.500 TL<\/strong>&#8216;lik bir \u00f6deme fark\u0131 bulunmaktad\u0131r. <a href=\"https:\/\/www.karekod.org\/blog\/en-yuksek-faiz-banka\/\">En y\u00fcksek faiz veren banka<\/a> konusuna g\u00f6z atmak isteyebilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yeni_Evlilere_Ozel_Konut_Kredisi_Kampanyasi\"><\/span><strong>Yeni Evlilere \u00d6zel Konut Kredisi Kampanyas\u0131<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Yeni evlilere y\u00f6nelik konut kredisi kampanyas\u0131, ev sahibi olmay\u0131 isteyen \u00e7iftler i\u00e7in cazip f\u0131rsatlar sunuyor. Ancak, kampanyadan yararlanabilmek i\u00e7in belirli \u015fartlar\u0131n yerine getirilmesi gerekiyor:<\/p>\n\n\n\n<p><strong>Kampanya \u015eartlar\u0131:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evlilik s\u00fcresi 3 y\u0131l\u0131 a\u015fmam\u0131\u015f olmal\u0131.<\/li>\n\n\n\n<li>Tapu yaln\u0131zca \u00e7iftlerden birinin ad\u0131na yap\u0131lmal\u0131.<\/li>\n\n\n\n<li>\u00c7iftlerden herhangi birinin daha \u00f6nce bir gayrimenkul\u00fc olmamal\u0131.<\/li>\n\n\n\n<li>Ba\u015fvuru tarihinde e\u015flerden biri 35 ya\u015f\u0131n\u0131 ge\u00e7memi\u015f olmal\u0131.<\/li>\n<\/ul>\n\n\n\n<p><strong>1 Milyon TL Konut Kredisi \u00d6deme Detaylar\u0131:<\/strong> Kampanyaya ba\u015fvuranlar, faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fc\u015fte oldu\u011fu bu f\u0131rsattan faydalanabilirler. \u0130\u015fte \u00f6rnek bir kredi hesaplamas\u0131:<\/p>\n\n\n\n<p>1 milyon TL kredi \u00e7eken bir ki\u015fi, 120 ay vadede:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>%2.55 faiz oran\u0131yla ayl\u0131k 26.806 TL \u00f6deme yap\u0131yor.<\/li>\n\n\n\n<li>%2.59 faiz oran\u0131yla ise ayl\u0131k 27.163 TL taksit \u00f6d\u00fcyor.<\/li>\n<\/ul>\n\n\n\n<p>Bu kampanya, yeni evlilerin ev sahibi olma hayalini ger\u00e7e\u011fe d\u00f6n\u00fc\u015ft\u00fcrmek i\u00e7in \u00f6nemli bir f\u0131rsat sunuyor!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SSS_Sikca_Sorulan_Sorular\"><\/span><strong>SSS (S\u0131k\u00e7a Sorulan Sorular)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1742308860632\"><strong class=\"schema-faq-question\"><strong>Konut kredisi faiz oranlar\u0131 2025&#8217;te nas\u0131l de\u011fi\u015fti?<\/strong><\/strong> <p class=\"schema-faq-answer\">2025 y\u0131l\u0131nda 120 ay vadeli konut kredisi faiz oran\u0131 <strong>%2.59<\/strong>&#8216;a kadar d\u00fc\u015fm\u00fc\u015f durumda.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1742308866056\"><strong class=\"schema-faq-question\"><strong>Konut kredisi faiz oran\u0131 vadeye g\u00f6re nas\u0131l farkl\u0131l\u0131k g\u00f6steriyor?<\/strong><\/strong> <p class=\"schema-faq-answer\">K\u0131sa vadeli krediler (1-24 ay) daha y\u00fcksek faiz oranlar\u0131na sahiptir. Uzun vadeli kredilerde (73-120 ay) faiz oranlar\u0131 daha d\u00fc\u015f\u00fck olmaktad\u0131r.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1742308889207\"><strong class=\"schema-faq-question\"><strong>1 milyon TL&#8217;lik kredi al\u0131rsam ne kadar \u00f6deme yapar\u0131m 2025?<\/strong><\/strong> <p class=\"schema-faq-answer\">1.000.000 TL tutar\u0131ndaki 120 ay vadeli kredinin <strong>%2.79<\/strong> faiz oran\u0131 ile ayl\u0131k taksiti 28.966 TL, toplam 3.475.928 TL olur. <strong>%2.59<\/strong> faiz oran\u0131 ile ise ayl\u0131k taksit 27.162 TL, toplam geri \u00f6deme 3.259.440 TL olur.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1742308902594\"><strong class=\"schema-faq-question\"><strong>Konut kredisi i\u00e7in hangi faiz oran\u0131n\u0131 se\u00e7meliyim?<\/strong><\/strong> <p class=\"schema-faq-answer\">Se\u00e7ti\u011finiz vade s\u00fcresine g\u00f6re faiz oranlar\u0131 de\u011fi\u015fir.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1742308909928\"><strong class=\"schema-faq-question\"><strong>Konut kredisi ba\u015fvurusu i\u00e7in ne gibi \u015fartlar gerekiyor?<\/strong><\/strong> <p class=\"schema-faq-answer\">Bankalar, kredi ba\u015fvurusu i\u00e7in genellikle gelir belgesi, kimlik fotokopisi, ikametgah belgesi ve gayrimenkul ekspertiz raporu.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Banka ve finans kurulu\u015flar\u0131, 2025 y\u0131l\u0131 itibar\u0131yla konut kredisi faiz oranlar\u0131nda \u00f6nemli indirimler yaparak vatanda\u015flara daha uygun \u00f6deme ko\u015fullar\u0131 sunmaktad\u0131r. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":42957,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958],"tags":[],"class_list":["post-42943","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Konut Kredisi Faiz Oranlar\u0131 2026 - Karekod Blog<\/title>\n<meta name=\"description\" content=\"Konut Kredisi Faiz Oranlar\u0131: %2.79 Faiz Oran\u0131 (49-72 Ay Vadeli), Ayl\u0131k Taksit: 28.966 TL, Toplam Geri \u00d6deme: 3.475.928 TL&#039;dir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.karekod.org\/blog\/konut-kredisi-faiz-oranlari-2026\/\" \/>\n<meta property=\"og:locale\" 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