Halifax’a g\u00f6re, \u0130ran sava\u015f\u0131n\u0131n yans\u0131malar\u0131n\u0131n y\u00fckseltti\u011fi mortgage faiz oranlar\u0131 talebi d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fc i\u00e7in \u0130ngiltere’deki ortalama konut fiyatlar\u0131 Mart ay\u0131nda %0,5 oran\u0131nda geriledi.
\n\u0130ngiltere’nin en b\u00fcy\u00fck mortgage sa\u011flay\u0131c\u0131s\u0131, ortalama emlak fiyat\u0131n\u0131n \u015fu anda 299.677 \u00a3 oldu\u011funu ve y\u0131ll\u0131k b\u00fcy\u00fcmenin de yava\u015flad\u0131\u011f\u0131n\u0131 belirtti.
\nBu d\u00fc\u015f\u00fc\u015f, \u00e7at\u0131\u015fman\u0131n ba\u015flamas\u0131ndan \u00f6nce \u015eubat ay\u0131ndaki %0,3’l\u00fck art\u0131\u015f\u0131 tersine \u00e7eviriyor. \u00c7at\u0131\u015fma enerji maliyetlerini y\u00fckseltmi\u015f, enflasyonun t\u0131rmanabilece\u011fi ve bu y\u0131l faiz oranlar\u0131nda herhangi bir indirim yap\u0131lmayaca\u011f\u0131 korkular\u0131n\u0131 art\u0131rm\u0131\u015ft\u0131.
\nSon birka\u00e7 haftad\u0131r mortgage faiz oranlar\u0131 s\u0131\u00e7rama yapt\u0131 ve en uygun y\u00fczlerce anla\u015fma ortadan kalkt\u0131.
\nGe\u00e7en ay, d\u00f6nemin Ba\u015fbakan\u0131 Liz Truss y\u00f6netimindeki 2022’deki felaket mini b\u00fct\u00e7esinden bu yana en b\u00fcy\u00fck g\u00fcnl\u00fck anla\u015fma geri \u00e7ekilmesi ya\u015fand\u0131.
\nAncak Halifax, mortgage faiz oranlar\u0131ndaki son art\u0131\u015f\u0131n d\u00f6rt y\u0131l \u00f6nceki kadar keskin olmad\u0131\u011f\u0131n\u0131 belirtti.
\nHalifax mortgage departman\u0131 ba\u015fkan\u0131 Amanda Bryden \u015funlar\u0131 s\u00f6yledi: “Konut piyasas\u0131ndaki son yava\u015flama, Orta Do\u011fu’daki \u00e7at\u0131\u015fmaya ili\u015fkin geni\u015f belirsizli\u011fi yans\u0131tmaktad\u0131r.”
\n“Y\u00fcksek enerji fiyatlar\u0131na ili\u015fkin endi\u015feler enflasyon beklentilerini art\u0131rd\u0131, bu da mortgage faiz oranlar\u0131nda y\u00fckseli\u015fe yol a\u00e7t\u0131 ve bu y\u0131l faiz oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclece\u011fine dair g\u00fcveni azaltarak y\u0131l ba\u015f\u0131nda piyasada g\u00f6r\u00fclen ilk ivmeyi d\u00fc\u015f\u00fcrd\u00fc.”
\nABD-\u0130srail’in \u0130ran ile sava\u015f\u0131 ba\u015flad\u0131\u011f\u0131ndan bu yana ge\u00e7en haftalarda petrol fiyatlar\u0131 f\u0131rlad\u0131.
\n\u00c7ar\u015famba g\u00fcn\u00fc, Washington ile Tahran aras\u0131nda ko\u015fullu bir ate\u015fkes planlar\u0131n\u0131n ard\u0131ndan Brent ham petrol fiyatlar\u0131 %15 d\u00fc\u015ferek varil ba\u015f\u0131na 94 dolara geriledi.
\nAncak petrol, 28 \u015eubat’ta \u00e7at\u0131\u015fma ba\u015flamadan \u00f6nceki seviyesinden %30 daha pahal\u0131 olmaya devam ediyor ve ate\u015fkesin do\u011frudan bir sonucu olarak \u0130ngiltere’deki mortgage faiz oranlar\u0131nda herhangi bir iyile\u015fme g\u00f6r\u00fclmedi.
\nYeni, sabit oranl\u0131 mortgage’lardaki faiz oranlar\u0131n\u0131n \u00e7at\u0131\u015fma ba\u015flamadan \u00f6nce d\u00fc\u015f\u00fc\u015fe ge\u00e7mesi bekleniyordu.
\nBunun yerine, keskin bir \u015fekilde y\u00fckseldiler. Finansal bilgi hizmeti Moneyfacts’e g\u00f6re, iki y\u0131ll\u0131k anla\u015fmalarda ortalama oran Mart ba\u015f\u0131nda %4,83 iken, \u015fu anda %5,90’a y\u00fckseldi; bu, Temmuz 2024’ten bu yana en y\u00fcksek seviye.
\nDaha zay\u0131f talebin ne kadar s\u00fcrebilece\u011fi konusunda yorum yapan Bryden, bunun “b\u00fcy\u00fck \u00f6l\u00e7\u00fcde bu bask\u0131lar\u0131n ne kadar kal\u0131c\u0131 oldu\u011funa ve ekonomi ile i\u015fsizlik \u00fczerindeki daha geni\u015f yans\u0131malar\u0131na ba\u011fl\u0131 olaca\u011f\u0131n\u0131” s\u00f6yledi.
\nMortgage sa\u011flay\u0131c\u0131lar\u0131, \u00f6zellikle durumun de\u011fi\u015fkenli\u011fini korumas\u0131 nedeniyle temkinli davran\u0131yor.
\nMoneyfacts t\u00fcketici finansman\u0131 ba\u015fkan\u0131 Adam French, “Ate\u015fkes ne kadar uzun s\u00fcrer ve piyasalar sakinle\u015firse, mortgage piyasas\u0131 o kadar istikrara kavu\u015fur ve oranlar hatta d\u00fc\u015f\u00fc\u015fe ge\u00e7ebilir” dedi.
\n“Ancak \u015fimdilik, keskin d\u00fc\u015f\u00fc\u015fleri tetiklemekten ziyade art\u0131\u015flar\u0131 yava\u015flatmas\u0131 veya durdurmas\u0131 daha olas\u0131d\u0131r.”
\nFine and Country emlak acentelerinin genel m\u00fcd\u00fcr\u00fc Nicky Stevenson, konut fiyatlar\u0131n\u0131n aydan aya “dalgal\u0131” olabilece\u011fini, ancak “genel tablonun hala \u0131l\u0131ml\u0131 bir istikrar g\u00f6sterdi\u011fini” s\u00f6yledi.
\nEnflasyon g\u00f6r\u00fcn\u00fcm\u00fc
\nFiyat art\u0131\u015f h\u0131z\u0131n\u0131 \u00f6l\u00e7en \u0130ngiltere enflasyon oran\u0131, \u015eubat ay\u0131na kadar olan y\u0131lda %3 olarak ger\u00e7ekle\u015fti; daha ucuz motor yak\u0131t\u0131, giyim ve ayakkab\u0131 maliyetlerindeki art\u0131\u015f\u0131 dengeledi.
\nY\u00fczde 2’lik enflasyon hedefi olan \u0130ngiltere Merkez Bankas\u0131, bu y\u0131l faiz oranlar\u0131n\u0131 d\u00fc\u015f\u00fcrebilece\u011finin sinyalini vermi\u015fti.
\nBu, bor\u00e7lular i\u00e7in iyi bir haber olurdu, \u00e7\u00fcnk\u00fc \u0130ngiltere Merkez Bankas\u0131 oranlar\u0131 finansal kurulu\u015flar taraf\u0131ndan belirlenen mortgage oranlar\u0131n\u0131 etkiler.
\nAncak RAC motorlu ta\u015f\u0131tlar organizasyonuna g\u00f6re, Mart ay\u0131ndan bu yana benzin ve dizel fiyatlar\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde artarak 2022 sonlar\u0131ndan bu yana en y\u00fcksek seviyeye ula\u015ft\u0131.
\nEnflasyon y\u00fcksek oldu\u011funda, Merkez Bankas\u0131 onu d\u00fc\u015f\u00fcrmek i\u00e7in faiz oranlar\u0131n\u0131 art\u0131rabilir.
\nBor\u00e7lanma daha pahal\u0131 oldu\u011funda, insanlar ve i\u015fletmeler harcayacak daha az paraya sahip olurlar. \u0130nsanlar daha fazla tasarruf etmeye de te\u015fvik edilebilir. Bu da mal talebini azalt\u0131r ve fiyat art\u0131\u015flar\u0131n\u0131 yava\u015flat\u0131r.
\nAncak bu bir denge i\u015fidir; bor\u00e7lanma maliyetlerini art\u0131rmak ekonomiye zarar verme riski ta\u015f\u0131r.
\nVarl\u0131k y\u00f6netimi \u015firketi Killik & Co’nun orta\u011f\u0131 Rachel Winter, BBC’nin Today program\u0131na enflasyon g\u00f6r\u00fcn\u00fcm\u00fcn\u00fcn Sal\u0131 g\u00fcnk\u00fc kadar “muhtemelen y\u00fcksek olmad\u0131\u011f\u0131n\u0131” \u00e7\u00fcnk\u00fc “\u015fimdi bir anla\u015fma konusunda daha iyimser hissettiklerini” s\u00f6yledi.
\nAncak bu y\u0131l faiz oranlar\u0131n\u0131n d\u00fc\u015fmesinin pek olas\u0131 olmad\u0131\u011f\u0131n\u0131 belirtti.
\n#\u0130ngiltereKonutPiyasas\u0131 #KonutFiyatlar\u0131 #MortgageFaizleri #\u0130ranSava\u015f\u0131 #Enflasyon #Ekonomi #FaizOranlar\u0131 #EmlakPiyasas\u0131 #K\u00fcreselEkonomi #EnerjiFiyatlar\u0131<\/p>\n","protected":false},"excerpt":{"rendered":"
Halifax’a g\u00f6re, \u0130ran sava\u015f\u0131n\u0131n yans\u0131malar\u0131n\u0131n y\u00fckseltti\u011fi mortgage faiz oranlar\u0131 talebi d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fc i\u00e7in \u0130ngiltere’deki ortalama konut fiyatlar\u0131 Mart ay\u0131nda %0,5 oran\u0131nda geriledi. \u0130ngiltere’nin en b\u00fcy\u00fck mortgage sa\u011flay\u0131c\u0131s\u0131, ortalama emlak fiyat\u0131n\u0131n \u015fu anda 299.677 \u00a3 oldu\u011funu ve y\u0131ll\u0131k b\u00fcy\u00fcmenin de yava\u015flad\u0131\u011f\u0131n\u0131 belirtti. Bu d\u00fc\u015f\u00fc\u015f, \u00e7at\u0131\u015fman\u0131n ba\u015flamas\u0131ndan \u00f6nce \u015eubat ay\u0131ndaki %0,3’l\u00fck art\u0131\u015f\u0131 tersine \u00e7eviriyor. \u00c7at\u0131\u015fma enerji maliyetlerini y\u00fckseltmi\u015f, […]<\/p>\n","protected":false},"author":1,"featured_media":905,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[],"class_list":["post-904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-iran_haberler"],"_links":{"self":[{"href":"https:\/\/vanak.news\/index.php?rest_route=\/wp\/v2\/posts\/904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vanak.news\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vanak.news\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vanak.news\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vanak.news\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=904"}],"version-history":[{"count":0,"href":"https:\/\/vanak.news\/index.php?rest_route=\/wp\/v2\/posts\/904\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vanak.news\/index.php?rest_route=\/wp\/v2\/media\/905"}],"wp:attachment":[{"href":"https:\/\/vanak.news\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vanak.news\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vanak.news\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}