{"id":14,"date":"2025-09-03T19:28:00","date_gmt":"2025-09-03T19:28:00","guid":{"rendered":"http:\/\/inspirythemesdemo.com\/realplaces\/?p=14"},"modified":"2025-09-05T09:30:22","modified_gmt":"2025-09-05T09:30:22","slug":"ingilterede-mortgage-faizleri-ne-yone-gidiyor","status":"publish","type":"post","link":"https:\/\/nestglobal.co.uk\/tr_tr\/ingilterede-mortgage-faizleri-ne-yone-gidiyor\/","title":{"rendered":"\u0130ngiltere\u2019de Mortgage Faizleri Ne Y\u00f6ne Gidiyor?"},"content":{"rendered":"\n<p>Yabanc\u0131 yat\u0131r\u0131mc\u0131lar i\u00e7in faiz trendleri ve kar\u015f\u0131la\u015ft\u0131rmal\u0131 mortgage \u00f6rnekleri.<br>Mortgage maliyetleri d\u00fc\u015f\u00fcyor mu, sabit faizli kredilerde son durum ne?<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bank of England Faiz Oran\u0131 Ne Y\u00f6nde?<\/strong><\/h2>\n\n\n\n<p>Bank of England (BoE), Temmuz\u2013A\u011fustos 2025 d\u00f6neminde <strong>y\u0131ll\u0131k be\u015finci faiz indirimi<\/strong>ni ger\u00e7ekle\u015ftirerek politika faizini <strong>%4,25\u2019ten %4,00\u2019a<\/strong> d\u00fc\u015f\u00fcrd\u00fc.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faizlerin 2025 sonunda <strong>yakla\u015f\u0131k %3,75 seviyelerine<\/strong> inebilece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor ancak bu, ekonomi ve enflasyon verilerine ba\u011fl\u0131. Sabit faizli mortgage oranlar\u0131 yava\u015f da olsa d\u00fc\u015f\u00fcyor.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>De\u011fi\u015fken faizli krediler<\/strong> ile \u00f6demesini bazla alanlar (\u00f6zellikle SVR) hala y\u00fcksek maliyetler ile kar\u015f\u0131 kar\u015f\u0131ya.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>K\u0131sa vadeli sabit krediler (2 y\u0131l ve alt\u0131)<\/strong>, uzun vadeli sabit kredilere g\u00f6re daha ucuz kal\u0131yor, bu da k\u0131sa vadeli yat\u0131r\u0131m ya da yeniden yap\u0131land\u0131rma (remortgage) a\u00e7\u0131s\u0131ndan f\u0131rsat sunabilir.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Yabanc\u0131 Yat\u0131r\u0131mc\u0131lar \u0130\u00e7in \u0130ngiltere Mortgage Faiz Oranlar\u0131<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>WeAreMoney gibi platformlara g\u00f6re, yabanc\u0131 yat\u0131r\u0131mc\u0131lar\u0131n alabilece\u011fi mortgage oranlar\u0131 <strong>genellikle %3 \u2013 %6<\/strong> aras\u0131nda de\u011fi\u015fiyor. Bu oran; kredi skoru, pe\u015finat tutar\u0131 ve ba\u015fvuran\u0131n ge\u00e7mi\u015fine g\u00f6re de\u011fi\u015fkenlik g\u00f6sterebiliyor.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HSBC\u2019nin sundu\u011fu \u00f6rnek bir \u00fcr\u00fcn: <strong>2 y\u0131l sabit faiz: %5,54<\/strong>, sonras\u0131nda ise de\u011fi\u015fken faiz (SVR) ile devam ediyor (%6,74). Bu gibi anla\u015fmalar, expatlar ve yabanc\u0131 uluslararas\u0131 m\u00fc\u015fteriler i\u00e7in tipik tekliflerdir.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Expat&#8217;lar genel olarak T\u00fcrkiye gibi \u00fclkelerden gelen yabanc\u0131lar i\u00e7in sabit faiz oranlar\u0131 <strong>yakla\u015f\u0131k %4,33<\/strong> gibi rekabet\u00e7i seviyelerde g\u00f6z\u00fck\u00fcrken, toplam geri \u00f6demelerde APRC yakla\u015f\u0131k <strong>%5,9\u2013%6,5<\/strong> civar\u0131na \u00e7\u0131k\u0131yor.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Standart (\u0130ngiltere \u0130\u00e7indeki) Faizlerle Kar\u015f\u0131la\u015ft\u0131rma<\/h2>\n\n\n\n<p>2025 itibariyle:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2 y\u0131l sabit<\/strong> mortgage: ~<strong>%4,57<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5 y\u0131l sabit<\/strong> mortgage: ~<strong>%4,54<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Bu \u00e7er\u00e7evede, yabanc\u0131 yat\u0131r\u0131mc\u0131lar i\u00e7in faizler <strong>genellikle yakla\u015f\u0131k 0,5\u20131 puan daha y\u00fcksek<\/strong> seviyelerde ger\u00e7ekle\u015fiyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Neden Yabanc\u0131lar (Non-UK) \u0130\u00e7in Faizler Daha Y\u00fcksek?<\/strong><\/h3>\n\n\n\n<p>Baz\u0131 fakt\u00f6rler bu fark\u0131 a\u00e7\u0131klar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kredi Ge\u00e7mi\u015finin De\u011ferlendirilememesi<\/strong>: Yurt d\u0131\u015f\u0131 kredi kay\u0131tlar\u0131yla ilgili g\u00fcvenlik zay\u0131fl\u0131\u011f\u0131, riski art\u0131r\u0131yor.<\/li>\n\n\n\n<li><strong>Daha Y\u00fcksek Pe\u015finat Gereksinimi (LTV d\u00fc\u015f\u00fcr\u00fclm\u00fc\u015f)<\/strong>: Lenders, riski azaltmak i\u00e7in expatlardan genellikle <strong>en az %25\u2013%40<\/strong> depozito talep ediyor.<\/li>\n\n\n\n<li><strong>S\u0131n\u0131rl\u0131 Dok\u00fcmantasyon ve \u0130K Derecelendirmesi<\/strong>: \u00d6zellikle \u00e7al\u0131\u015fma vizesi veya s\u0131n\u0131rl\u0131 ikamet bilgisi olan ba\u015fvuru sahipleri i\u00e7in daha kat\u0131 ko\u015fullar ge\u00e7erli olabiliyor.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yabanc\u0131 yat\u0131r\u0131mc\u0131lar i\u00e7in faiz trendleri ve kar\u015f\u0131la\u015ft\u0131rmal\u0131 mortgage \u00f6rnekleri.Mortgage maliyetleri d\u00fc\u015f\u00fcyor mu, sabit faizli kredilerde son durum ne?<\/p>\n","protected":false},"author":1,"featured_media":9316,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"image","meta":{"footnotes":""},"categories":[4],"tags":[165,166,114],"class_list":["post-14","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-piyasa-nabzi","tag-ingiltere-mortgage","tag-konut-kredisi","tag-londra","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/posts\/14","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/comments?post=14"}],"version-history":[{"count":5,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/posts\/14\/revisions"}],"predecessor-version":[{"id":9524,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/posts\/14\/revisions\/9524"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/media\/9316"}],"wp:attachment":[{"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/media?parent=14"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/categories?post=14"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nestglobal.co.uk\/tr_tr\/wp-json\/wp\/v2\/tags?post=14"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}