Hamide HANG\u00dcL<\/strong><\/p>\n Fahi\u015f fiyat art\u0131\u015flar\u0131 ve arz yetersizli\u011fi ile bar\u0131nma sorunu adeta \u00e7\u0131kmaza girdi. Her y\u0131l yakla\u015f\u0131k 800 bin konut ihtiyac\u0131na kar\u015f\u0131n, krediye eri\u015fim zorlu\u011fu ve in\u015faat maliyetlerindeki art\u0131\u015f yeni konut \u00fcretimini y\u0131lda ortalama 400 bin adetle s\u0131n\u0131rlad\u0131. Konut \u00fcretimi, talebi kar\u015f\u0131lamay\u0131nca fiyat dengesi bozuldu.<\/p>\n Sat\u0131l\u0131k fiyatlar\u0131n\u0131n 8-10 milyon liralara f\u0131rlamas\u0131 kiral\u0131klara y\u00f6neltince, bu defa da kira fiyatlar\u0131 u\u00e7tu. Son 3 y\u0131lda 2-3 bin lira olan kiralar 15-20 bin, hatta 30 bin liralar\u0131 a\u015ft\u0131. Fiyatlar\u0131n b\u00fcy\u00fck bir h\u0131zla t\u0131rmanmas\u0131 ve krediye eri\u015fim zorlu\u011fu, ev sahipli\u011fini de etkiledi.<\/p>\n Kirac\u0131l\u0131k artt\u0131, ev sahipli\u011fi azald\u0131<\/strong><\/p>\n Ya\u015fad\u0131\u011f\u0131 konut i\u00e7in 7 milyon hane ise kira \u00f6d\u00fcyor. Yine T\u00dc\u0130K, bu y\u0131l haziran ay\u0131nda a\u00e7\u0131klad\u0131\u011f\u0131 2022 istatistikleri, ev sahipli\u011fi oran\u0131n\u0131n d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc ortaya koydu.<\/p>\n Buna g\u00f6re, T\u00fcrkiye\u2019de ev sahipli\u011fi oran\u0131 son 10 y\u0131lda y\u00fczde 60,9\u2019dan y\u00fczde 56,7\u2019ye gerilerken, kirac\u0131l\u0131k oran\u0131 y\u00fczde 20\u2019den y\u00fczde 27,2\u2019ye y\u00fckseldi. T\u00dc\u0130K\u2019in, ayn\u0131 istatistikinde 26,5 milyona ula\u015fan hanehalk\u0131 ve kirac\u0131 oran\u0131 \u00fczerinden hesapland\u0131\u011f\u0131nda ise kirac\u0131 say\u0131s\u0131n\u0131n yakla\u015f\u0131k 7,5 milyona yakla\u015ft\u0131\u011f\u0131 hesapland\u0131.<\/p>\n Y\u00fcksek maliyette ayl\u0131k taksit 70 bin liraya \u00e7\u0131k\u0131yor<\/strong><\/p>\n Fahi\u015f fiyatlar ve krediye eri\u015fim g\u00fc\u00e7l\u00fc\u011f\u00fc sat\u0131\u015flar\u0131 da etkiledi. Bu y\u0131l konut sat\u0131\u015flar\u0131 a\u011fustosta, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 ay\u0131na g\u00f6re y\u00fczde 1,1, ilk 8 ayda y\u00fczde 15 d\u00fc\u015ft\u00fc. Finansman zorlu\u011fu da konuta eri\u015fimi k\u0131s\u0131tl\u0131yor. Bug\u00fcn ekspertiz de\u011feri 5 milyon liral\u0131k bir konutta bulunabilecek kredi 1-2 milyon lira. Bu da cepte 3 milyon lira pe\u015finat\u0131n haz\u0131r olmas\u0131 demek.<\/p>\n Ortalama 2 milyon liral\u0131k bir kredide ise faizlerin y\u00fczde 3,5\u2019lara kadar \u00e7\u0131kmas\u0131 kar\u015f\u0131s\u0131nda konut kredisinde ayl\u0131k taksitler 60-70 bin lira seviyesinde. Bu ortamda, h\u00fck\u00fcmet yetkililerinin ilk evini alacaklara y\u00fczde 1,2 faiz ve 180 ay vadeyle konut kredisi kampanyas\u0131 sinyali ise sekt\u00f6rde umut oldu.<\/p>\n Ev sahipli\u011fi h\u0131zla artar<\/strong><\/p>\n \u00a0KONUTDER Ba\u015fkan Yard\u0131mc\u0131s\u0131 ve Ege Yap\u0131 Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u0130nan\u00e7 Kabaday\u0131, \u015fu de\u011ferlendirmelerde bulundu: “Kredili konut sat\u0131\u015flar\u0131n\u0131n 2022 y\u0131l\u0131ndan beri toplam sat\u0131\u015flar i\u00e7indeki pay\u0131n\u0131n d\u00fc\u015f\u00fc\u015f g\u00f6sterdi\u011fi bu s\u00fcre\u00e7te; Cumhurba\u015fkan\u0131 Yard\u0131mc\u0131s\u0131 Cevdet Y\u0131lmaz\u2019\u0131n yak\u0131n zamanda a\u00e7\u0131klad\u0131\u011f\u0131 y\u00fczde 1,20 faiz, 180 ay vade ile ilk evini alacak olan ki\u015filere bir kampanya d\u00fczenlenmesi ve banka i\u015f birli\u011finin bu noktada devrede olmas\u0131 son y\u0131llarda d\u00fc\u015fen ev sahipli\u011fi oran\u0131n\u0131n tekrar yukar\u0131 y\u00f6nl\u00fc ivme kazanmas\u0131n\u0131 sa\u011flayacakt\u0131r.<\/p>\n Di\u011fer taraftan aile \u00fcyelerinden birine ait konutu olan ve yeni bir konuta yat\u0131r\u0131m yapmak isteyen al\u0131c\u0131lar\u0131n konut kredisi kullan\u0131m y\u00fczdesi dairenin fiyat\u0131na g\u00f6re y\u00fczde 25 seviyelerine kadar d\u00fc\u015f\u00fcr\u00fcld\u00fc. Ancak bu kriterlere sahip al\u0131c\u0131lar\u0131n 1.el konut al\u0131m\u0131nda piyasa ko\u015fullar\u0131nda kredi kullanabilmesine izin verilmesi sekt\u00f6r\u00fcn nitelikli konut ihtiyac\u0131n\u0131 kar\u015f\u0131lamaya devam etmesi i\u00e7in \u00f6nemli oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum.\u201d<\/p>\n Teslime yak\u0131n projeler de dahil edilsin<\/strong><\/p>\n \u00a0Karmar A\u015f \u0130cra Kurulu Ba\u015fkan\u0131 Emrullah Yedikarde\u015f gayrimenkul sekt\u00f6r\u00fcnde g\u00f6zlerin ekim ay\u0131nda a\u00e7\u0131klanacak olan ve ilk evini alacak olanlara uzun vadede d\u00fc\u015f\u00fck faizli konut f\u0131rsat\u0131 sunacak pakete y\u00f6neldi\u011fini s\u00f6yledi. Emrullah Yedikarde\u015f, paketin T\u00dc\u0130K verilerine g\u00f6re 7 milyonu bulan kirac\u0131lar\u0131n ev hayallerine destek olmas\u0131n\u0131n bekledi\u011fini belirtirken, ayn\u0131 zamanda y\u00fcksek kredi oranlar\u0131ndan dolay\u0131 durulan sekt\u00f6r\u00fcn canlanmas\u0131n\u0131 da sa\u011flayaca\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n Emrullah Yedikarde\u015f \u201cAncak uygun faiz imkan\u0131n\u0131n sadece yeni ba\u015flayan projelere de\u011fil, teslimi yakla\u015fan projelere de uygulanmas\u0131 gerekti\u011fini, bunun hem kiras\u0131n\u0131 hem taksidini \u00f6demesi gereken al\u0131c\u0131lara ger\u00e7ek bir kolayl\u0131k sa\u011flayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum\u201d dedi. Kredilerin ev alacak olanlar i\u00e7in en \u00f6nemli finansman oldu\u011funu ve belirten Emrullah Yedikarde\u015f, a\u00e7\u0131klanacak bu cazip paketin y\u0131llard\u0131r d\u00fc\u015fen ev sahipli\u011fi oranlar\u0131n\u0131n y\u00fckselmesine katk\u0131 sa\u011flayaca\u011f\u0131na inand\u0131klar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n Bitmi\u015f projelerde sat\u0131\u015f h\u0131zlan\u0131r<\/strong><\/p>\n \u00a0\u0130nsay Yap\u0131 Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u0130hsan \u00c7ulhal\u0131k: \u201cKampanya, sekt\u00f6r\u00fc kesinlikle olumlu etkiler. \u00d6zellikle bitmi\u015f projelerin h\u0131zl\u0131 sat\u0131\u015f\u0131 olur. Devam eden projeler i\u00e7in ise moral olur. Kiralar\u0131n d\u00fc\u015fmesini d\u00fc\u015f\u00fcnmek i\u00e7in erken oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorum. Ancak kira art\u0131\u015f\u0131n\u0131n \u00f6nlenmesinde az da olsa katk\u0131s\u0131 olacakt\u0131r. Kampanya uygulanabilirse; kampanya \u015fartlar\u0131na uyan ve geliri yeterli olan \u00e7ok say\u0131da ki\u015finin faydalanaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.\u201d<\/p>\n Riskli yap\u0131 stokunu da azalt\u0131r<\/strong><\/p>\n A\u015f\u00e7\u0131o\u011flu Y\u00f6netim Kurulu Ba\u015fkan\u0131 \u0130rfan A\u015f\u00e7\u0131o\u011flu, “Sosyal devlet anlay\u0131\u015f\u0131 ile ilk evini alacak dar gelirliye, kamu bankalar\u0131 \u00fczerinden d\u00fc\u015f\u00fck faiz ve uzun vade imk\u00e2n\u0131 ile kredi f\u0131rsat\u0131 olduk\u00e7a sevindirici bir haber. Sosyal konut \u00fcretiminde ve kredi deste\u011finde, afet riski y\u00fcksek b\u00f6lgelere\/binalara \u00f6ncelik verilmesinin, riskli yap\u0131 sto\u011funun azalmas\u0131na katk\u0131 sa\u011flar. Bir di\u011fer taraftan sosyal sorumluluk bilinci ile \u00f6zel sekt\u00f6r de i\u015fin i\u00e7ine dahil edilmeli ve geli\u015ftiricileri arza te\u015fvik edecek kredi te\u015fvik paketleri ile kentsel d\u00f6n\u00fc\u015f\u00fcm h\u0131zland\u0131r\u0131lmal\u0131 diye d\u00fc\u015f\u00fcn\u00fcyorum” dedi.<\/p>\n<\/p><\/div>\n![\"\"](\"https:\/\/i.dunya.com\/storage\/files\/images\/2023\/09\/21\/1-3a7q.jpg\")
\u00a0T\u00fcrkiye \u0130statistik Kurumu\u2019nun (T\u00dc\u0130K) en son, ge\u00e7en y\u0131l aral\u0131kta a\u00e7\u0131klad\u0131\u011f\u0131 2021 y\u0131l\u0131 sonu\u00e7lar\u0131na g\u00f6re, T\u00fcrkiye\u2019de 23,4 milyon hanenin 15 milyon 384 bini kendi sahip oldu\u011fu evinde oturuyor.<\/p>\n