{"id":1276,"date":"2026-01-15T12:36:39","date_gmt":"2026-01-15T09:36:39","guid":{"rendered":"https:\/\/www.merceknet.com\/tr\/?p=1276"},"modified":"2026-01-15T12:51:49","modified_gmt":"2026-01-15T09:51:49","slug":"yuksek-faiz-pahali-konut-eriyen-ucret-ucgeninde-sikisan-piyasanin-analizi","status":"publish","type":"post","link":"https:\/\/www.merceknet.com\/tr\/2026\/01\/15\/yuksek-faiz-pahali-konut-eriyen-ucret-ucgeninde-sikisan-piyasanin-analizi\/","title":{"rendered":"Y\u00fcksek faiz, pahal\u0131 konut, eriyen \u00fccret&#8230; Orta gelirlinin ev almas\u0131 imkans\u0131z&#8230;"},"content":{"rendered":"<p>T\u00fcrkiye\u2019de konut fiyatlar\u0131 enflasyona ra\u011fmen d\u00fc\u015fmedi, aksine 2025 sonunda yeniden reel art\u0131\u015fa ge\u00e7ti. Ortalama bir konutun fiyat\u0131 milyonlarla, konut kredisi taksiti ise maa\u015flarla yar\u0131\u015f\u0131yor. 2026\u2019ya girerken orta gelirlinin ev sahibi olabilmesi; faizlerin seyri, kredi k\u0131s\u0131tlamalar\u0131 ve eri\u015filebilir fiyatl\u0131 konut \u00fcretimine ba\u011fl\u0131 g\u00f6r\u00fcn\u00fcyor.<\/p>\n<p>2025 boyunca l\u00fcks ve yat\u0131r\u0131m ama\u00e7l\u0131 konut sat\u0131\u015flar\u0131 s\u00fcrerken, orta gelirlinin ilk ev hayali yine ertelendi. Sekt\u00f6r temsilcileri, \u201cfaiz %2\u2019nin alt\u0131na d\u00fc\u015fmeli, kredi s\u0131n\u0131rlar\u0131 gev\u015fetilmeli\u201d diyor; ama rakamlara bak\u0131nca, hik\u00e2yenin yaln\u0131zca faizle s\u0131n\u0131rl\u0131 olmad\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz.<\/p>\n<p>A\u015fa\u011f\u0131da; <strong data-start=\"922\" data-end=\"963\">fiyat, \u00fccret, faiz ve kredi cephesini<\/strong> yan yana koyup orta gelirlinin neden \u201c\u00e7izgi d\u0131\u015f\u0131na itildi\u011fini\u201d analiz edelim.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/img.ekonomim.com\/rcman\/Cw1280h720q95gc\/storage\/files\/images\/2024\/06\/20\/konut-kredisi-ile-ev-almak-hayal-oldu-1-milyon-tlnin-geri-odemesi-5-milyon-lirayi-geciyor-zkaw_cover.jpg\" alt=\"Asgari \u00fccretle \u0130stanbul'da ev almak imkans\u0131z: Kira \u00f6demek bile zor! -  Ekonomim\" width=\"818\" height=\"460\" \/><\/p>\n<p><strong>1. Fiyat cephesi: Konutta reel kay\u0131p d\u00f6nemi bitti, ama seviye zaten \u00e7ok y\u00fcksek<\/strong><\/p>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n Konut Fiyat Endeksi\u2019ne g\u00f6re, 2025 Kas\u0131m\u2019da konut fiyatlar\u0131 <strong data-start=\"1228\" data-end=\"1272\">ayl\u0131k y\u00fczde 2,7, y\u0131ll\u0131k y\u00fczde 31,4 artt\u0131<\/strong>. En kritik veri ise \u015fu: <strong data-start=\"1297\" data-end=\"1402\">21 ay sonra ilk kez reel (enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f) art\u0131\u015f var; y\u0131ll\u0131k reel art\u0131\u015f yakla\u015f\u0131k y\u00fczde 0,3.<\/strong> Yani konut art\u0131k enflasyona yenilmiyor, yeniden \u201cger\u00e7ek anlamda\u201d pahalanmaya ba\u015flad\u0131.<\/p>\n<p data-start=\"1530\" data-end=\"1583\">Piyasadaki seviyelere bakt\u0131\u011f\u0131m\u0131zda tablo daha da net:<\/p>\n<ul>\n<li data-start=\"1587\" data-end=\"1768\">T\u00fcrkiye genelinde sat\u0131l\u0131k konutlarda <strong data-start=\"1624\" data-end=\"1672\">ortalama metrekare fiyat\u0131 yakla\u015f\u0131k 37 bin TL<\/strong>, ortalama konut fiyat\u0131 ise <strong data-start=\"1700\" data-end=\"1717\">4,7 milyon TL<\/strong> civar\u0131nda.<\/li>\n<li data-start=\"1771\" data-end=\"1932\">\u0130stanbul\u2019da bu rakam daha da yukar\u0131da: <strong data-start=\"1810\" data-end=\"1842\">metrekare yakla\u015f\u0131k 58 bin TL<\/strong>, ortalama bir konut fiyat\u0131 milyonlar seviyesinde.<\/li>\n<\/ul>\n<p data-start=\"1934\" data-end=\"2309\">Bu ne anlama geliyor?<br data-start=\"1955\" data-end=\"1958\" \/>\u0130stanbul\u2019un nispeten \u201cucuz\u201d denebilecek semtlerinde bile 100 metrekare bir daireyi <strong data-start=\"2041\" data-end=\"2069\">3,5\u20134 milyon TL band\u0131nda<\/strong> bulmak art\u0131k ba\u015far\u0131 say\u0131l\u0131yor. Sekt\u00f6r temsilcilerinin S\u00f6zc\u00fc\u2019ye aktard\u0131\u011f\u0131 \u00f6rnekle s\u00f6ylersek: Bankan\u0131n verdi\u011fi kredi \u00e7o\u011fu zaman bu fiyat\u0131n k\u00fc\u00e7\u00fck bir k\u0131sm\u0131n\u0131, \u201cevin bir odas\u0131n\u0131\u201d bile zor finanse ediyor.<\/p>\n<p data-start=\"2311\" data-end=\"2444\">Yani <strong data-start=\"2316\" data-end=\"2358\">fiyat seviyesi \u00f6yle bir yere oturdu ki<\/strong>, faiz d\u00fc\u015fse bile pe\u015finat ve ayl\u0131k taksit y\u00fck\u00fc orta gelirli i\u00e7in ba\u015fl\u0131 ba\u015f\u0131na bariyer.<\/p>\n<p data-start=\"2311\" data-end=\"2444\"><img decoding=\"async\" src=\"https:\/\/img.odatv.com\/rcman\/Cw820h546q95gm\/storage\/files\/images\/2025\/05\/16\/yuhjnbnb-cvn9.png\" alt=\"Bu faizlerle konut almak imkans\u0131z: 1 ev kendine, 2 ev bankaya... Doktor  \u00e7ift dahi kredi \u00e7ekemiyor - Son Dakika Ekonomi Haberleri\" \/><\/p>\n<p data-start=\"2311\" data-end=\"2444\"><strong>2. Gelir ve kira cephesi: Asgari \u00fccret art\u0131yor ama konut maliyetini yakalam\u0131yor<\/strong><\/p>\n<p>2026 y\u0131l\u0131 i\u00e7in net asgari \u00fccret <strong data-start=\"2567\" data-end=\"2583\">28.075,50 TL<\/strong> olarak belirlendi. <br data-start=\"2640\" data-end=\"2643\" \/>K\u00e2\u011f\u0131t \u00fczerinde ciddi art\u0131\u015f var; ancak ayn\u0131 d\u00f6nemde:<\/p>\n<ul>\n<li data-start=\"2698\" data-end=\"2787\">Konut fiyatlar\u0131 y\u0131ll\u0131k <strong data-start=\"2721\" data-end=\"2735\">%31 civar\u0131<\/strong> y\u00fckseliyor.<\/li>\n<li data-start=\"2790\" data-end=\"2990\">Kiralarda yasal art\u0131\u015f oran\u0131, <strong data-start=\"2819\" data-end=\"2847\">T\u00dcFE 12 ayl\u0131k ortalamas\u0131<\/strong> kadar yap\u0131labiliyor. Bu oran 2025 Aral\u0131k\u2019ta <strong data-start=\"2892\" data-end=\"2902\">%35,91<\/strong>, 2026 Ocak\u2019ta ise <strong data-start=\"2921\" data-end=\"2931\">%34,88<\/strong> olarak hesapland\u0131.<\/li>\n<\/ul>\n<p data-start=\"2992\" data-end=\"3204\">Bir ba\u015fka kritik k\u0131r\u0131lma: Konut kiralar\u0131na getirilen <strong data-start=\"3045\" data-end=\"3062\">%25\u2019lik tavan<\/strong> 1 Temmuz 2024\u2019te sona erdi; o tarihten sonra kira art\u0131\u015flar\u0131 do\u011frudan enflasyon ortalamas\u0131na ba\u011fland\u0131.<\/p>\n<p data-start=\"3206\" data-end=\"3214\">Sonu\u00e7:<\/p>\n<ul>\n<li data-start=\"3218\" data-end=\"3321\">Asgari \u00fccretli ya da d\u00fc\u015f\u00fck\/orta maa\u015fl\u0131 beyaz yakal\u0131 i\u00e7in <strong data-start=\"3275\" data-end=\"3318\">gelirin \u00f6nemli bir k\u0131sm\u0131 kiraya gidiyor<\/strong>.<\/li>\n<li data-start=\"3324\" data-end=\"3445\">Kira zaten maa\u015f\u0131 kemirirken, bir de konut kredisi taksiti eklemek \u00e7o\u011fu hane i\u00e7in matematiksel olarak m\u00fcmk\u00fcn g\u00f6r\u00fcnm\u00fcyor.<\/li>\n<li data-start=\"3448\" data-end=\"3637\">\u00dcstelik memur ve emeklilerde de zamlar \u00e7o\u011fu zaman g\u0131da, enerji ve kira enflasyonunu geriden takip etti\u011fi i\u00e7in, konut tasarrufu yapmaya s\u0131ra gelmiyor.<\/li>\n<\/ul>\n<p data-start=\"3639\" data-end=\"3731\">Yani maa\u015flar art\u0131yor ama <strong data-start=\"3664\" data-end=\"3730\">konut maliyetiyle aras\u0131ndaki mesafe kapanmak yerine geni\u015fliyor<\/strong>.<\/p>\n<p data-start=\"3639\" data-end=\"3731\"><img decoding=\"async\" src=\"https:\/\/sozcu01.sozcucdn.com\/sozcu\/production\/uploads\/images\/2024\/6\/18jpg-krpAdR5eeEWXCXho7YigSg.jpg?w=776&amp;h=436&amp;mode=crop&amp;scale=both\" alt=\"Bu faizlerle ev almak imkans\u0131z - S\u00f6zc\u00fc\" \/><\/p>\n<p data-start=\"3639\" data-end=\"3731\"><strong>3. Faiz cephesi: Politika faizi d\u00fc\u015f\u00fcyor, ama konut kredisi h\u00e2l\u00e2 maa\u015fla yar\u0131\u015f\u0131yor<\/strong><\/p>\n<p>Merkez Bankas\u0131, 11 Aral\u0131k 2025\u2019te politika faizini <strong data-start=\"3874\" data-end=\"3917\">150 baz puan indirerek y\u00fczde 38\u2019e \u00e7ekti<\/strong>. <br data-start=\"3958\" data-end=\"3961\" \/>Bu, enflasyondaki g\u00f6rece yava\u015flamaya dayanarak ba\u015flat\u0131lan yeni bir \u201cyumu\u015fama\u201d s\u00fcreci olarak okunuyor.<\/p>\n<p data-start=\"4064\" data-end=\"4107\">Piyasaya yans\u0131ma taraf\u0131nda ise tablo \u015f\u00f6yle:<\/p>\n<ul>\n<li data-start=\"4111\" data-end=\"4259\">2026 y\u0131l\u0131 ba\u015f\u0131nda bankalar\u0131n konut kredisi faiz oranlar\u0131 <strong data-start=\"4168\" data-end=\"4196\">ayl\u0131k yakla\u015f\u0131k %2,7\u2013%5,9<\/strong> band\u0131nda seyrediyor.<\/li>\n<li data-start=\"4262\" data-end=\"4530\">Kar\u015f\u0131la\u015ft\u0131rma sitelerinin 15 Ocak 2026 tarihli verisine g\u00f6re, <strong data-start=\"4324\" data-end=\"4367\">120 ay vadeli 1 milyon TL konut kredisi<\/strong> i\u00e7in en uygun faiz oran\u0131 <strong data-start=\"4393\" data-end=\"4408\">ayl\u0131k %2,49<\/strong> civar\u0131nda; bu da ayl\u0131k taksidin <strong data-start=\"4441\" data-end=\"4463\">yakla\u015f\u0131k 26 bin TL<\/strong> oldu\u011fu anlam\u0131na geliyor.<\/li>\n<\/ul>\n<p data-start=\"4532\" data-end=\"4580\">\u015eimdi bu rakam\u0131 asgari \u00fccretle yan yana koyal\u0131m:<\/p>\n<ul>\n<li data-start=\"4584\" data-end=\"4618\">Net asgari \u00fccret: ~<strong data-start=\"4603\" data-end=\"4616\">28 bin TL<\/strong><\/li>\n<li data-start=\"4621\" data-end=\"4682\">1 milyon TL\u2019lik 10 y\u0131l vadeli kredi taksiti: ~<strong data-start=\"4667\" data-end=\"4680\">26 bin TL<\/strong><\/li>\n<\/ul>\n<p data-start=\"4684\" data-end=\"4970\">Yani <strong data-start=\"4689\" data-end=\"4722\">sadece 1 milyon TL kredi i\u00e7in<\/strong> neredeyse bir asgari \u00fccretlik maa\u015f\u0131 tamamen takside ay\u0131rmak gerekiyor. \u00dcstelik konut fiyatlar\u0131n\u0131n seviyesine bak\u0131nca; \u0130stanbul\u2019da ya da b\u00fcy\u00fck \u015fehirlerde <strong data-start=\"4876\" data-end=\"4919\">\u00e7o\u011fu ev i\u00e7in 1 milyon TL kredi yetmiyor<\/strong>, ciddi bir pe\u015finat ve ek finansman da gerekiyor.<\/p>\n<p data-start=\"4972\" data-end=\"5205\">Bu y\u00fczden sekt\u00f6rden gelen \u201c<strong data-start=\"4999\" data-end=\"5037\">faizler ayl\u0131k %2\u2019nin alt\u0131na inmeli<\/strong>\u201d \u00e7a\u011fr\u0131s\u0131, sadece keyfi bir talep de\u011fil; <strong data-start=\"5078\" data-end=\"5145\">orta gelirlinin denklemde yeniden yer bulabilmesi i\u00e7in bir e\u015fik<\/strong> olarak g\u00f6r\u00fcl\u00fcyor.<\/p>\n<p data-start=\"4972\" data-end=\"5205\"><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/imgrosetta.mynet.com.tr\/file\/16488922\/16488922-860x480.jpg\" alt=\"Orta gelirli konut projesi Resmi Gazete'de! Kararda dikkat \u00e7eken detay:  Sat\u0131\u015f bedelinin y\u00fczde 25'i kadar\u2026 - Finans haberlerinin do\u011fru adresi -  Mynet Finans Haber\" width=\"796\" height=\"444\" \/><\/p>\n<p data-start=\"4972\" data-end=\"5205\"><strong>4. Orta gelirli neden piyasadan d\u0131\u015far\u0131 itildi?<\/strong><\/p>\n<p>Son bir y\u0131lda tabloyu \u00f6zetleyen birka\u00e7 temel dinamik var:<\/p>\n<ol>\n<li data-start=\"5325\" data-end=\"5372\"><strong data-start=\"5325\" data-end=\"5370\">Yat\u0131r\u0131mc\u0131 girdi, ilk ev alacaklar \u00e7ekildi<\/strong>\n<ul>\n<li data-start=\"5378\" data-end=\"5578\">Veriler, konut sat\u0131\u015flar\u0131n\u0131n tamamen \u00e7\u00f6kmedi\u011fini; ancak sat\u0131\u015flar\u0131n \u00f6nemli k\u0131sm\u0131n\u0131n h\u00e2l\u00e2 <strong data-start=\"5465\" data-end=\"5498\">yat\u0131r\u0131m ama\u00e7l\u0131 ve \u00fcst segment<\/strong> konutlarda yo\u011funla\u015ft\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/li>\n<li data-start=\"5584\" data-end=\"5683\">Orta gelirli ise hem y\u00fcksek fiyat hem de kredideki maliyet nedeniyle \u201cbekle-g\u00f6r\u201d pozisyonuna ge\u00e7ti.<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"5688\" data-end=\"5726\"><strong data-start=\"5688\" data-end=\"5724\">Bankalar\u0131n kredi i\u015ftah\u0131 temkinli<\/strong>\n<ul>\n<li data-start=\"5732\" data-end=\"6103\">Y\u00fcksek politika faizi ve reg\u00fclasyonlar nedeniyle bankalar, \u00e7o\u011fu zaman konut de\u011ferinin s\u0131n\u0131rl\u0131 bir k\u0131sm\u0131na kredi veriyor. S\u00f6zc\u00fc\u2019deki sekt\u00f6r temsilcileri, \u0130stanbul\u2019da \u201cen ucuz\u201d semtlerde bile 100 metrekare evlerin milyonlarla ifade edildi\u011fini, ama bankan\u0131n verdi\u011fi kredinin bunun \u00e7eyre\u011fi\u2013be\u015fte biri seviyesinde kald\u0131\u011f\u0131n\u0131 anlat\u0131yor.<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"6108\" data-end=\"6139\"><strong data-start=\"6108\" data-end=\"6137\">Mevduat faizi ile rekabet<\/strong>\n<ul>\n<li data-start=\"6145\" data-end=\"6268\">Y\u00fcksek mevduat faizi, elinde birikim olan yat\u0131r\u0131mc\u0131y\u0131 da karars\u0131z b\u0131rak\u0131yor: \u201cParam\u0131 faize mi koyay\u0131m, eve mi yat\u0131ray\u0131m?\u201d<\/li>\n<li data-start=\"6274\" data-end=\"6463\">Sekt\u00f6r temsilcileri, mevduat faizlerinin bu kadar cazip oldu\u011fu bir ortamda, konutun yeniden \u201cf\u0131rsat\u201d olarak alg\u0131lanmas\u0131n\u0131n zorla\u015ft\u0131\u011f\u0131n\u0131 vurguluyor.<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"6468\" data-end=\"6509\"><strong data-start=\"6468\" data-end=\"6507\">Kentsel d\u00f6n\u00fc\u015f\u00fcm ve arsa maliyetleri<\/strong>\n<ul>\n<li data-start=\"6515\" data-end=\"6789\">B\u00fcy\u00fck\u015fehirlerde yeni projelerin \u00f6nemli k\u0131sm\u0131 kentsel d\u00f6n\u00fc\u015f\u00fcm ve y\u00fcksek arsa maliyeti \u00fczerine kurulu. Bu da metrekare fiyatlar\u0131n\u0131 \u201ctabandan\u201d yukar\u0131 itiyor; geli\u015ftiricilerin orta gelirliye uygun fiyatl\u0131 \u00fcr\u00fcn \u00e7\u0131karmas\u0131n\u0131 zorla\u015ft\u0131r\u0131yor.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p data-start=\"6791\" data-end=\"7035\">Sonu\u00e7ta tablo \u015f\u00f6yle:<br data-start=\"6811\" data-end=\"6814\" \/><strong data-start=\"6814\" data-end=\"6905\">Orta gelirli, hem kirac\u0131 olarak hem potansiyel al\u0131c\u0131 olarak \u00e7ift tarafl\u0131 bask\u0131 alt\u0131nda.<\/strong> Fiyat seviyesi, kredi maliyeti ve gelir yap\u0131s\u0131 bir araya geldi\u011finde, \u201cilk ev\u201d kategorisi piyasadan b\u00fcy\u00fck \u00f6l\u00e7\u00fcde silinmi\u015f durumda.<\/p>\n<p data-start=\"6791\" data-end=\"7035\"><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/emlakkulisi.com\/resim\/tamboyut\/NTk0MDUwMD-orta-gelirli-vatandaslar-resmen-ev-alamiyor.jpg\" alt=\"Orta gelirli vatanda\u015flar resmen ev alam\u0131yor!\" width=\"910\" height=\"512\" \/><\/p>\n<p data-start=\"6791\" data-end=\"7035\"><strong>5. 2026\u2019da ne de\u011fi\u015febilir, neye bakmak gerekiyor?<\/strong><\/p>\n<p>\u00d6n\u00fcm\u00fczdeki d\u00f6nemde orta gelirlinin ev hayalini etkileyebilecek birka\u00e7 kritik ba\u015fl\u0131k var:<\/p>\n<ol>\n<li data-start=\"7189\" data-end=\"7221\"><strong data-start=\"7189\" data-end=\"7219\">Politika faizinin patikas\u0131<\/strong>\n<ul>\n<li data-start=\"7227\" data-end=\"7437\">Merkez Bankas\u0131 2026 sonuna kadar politika faizini daha da indirmeyi hedefliyor; ancak bu d\u00fc\u015f\u00fc\u015f\u00fcn <strong data-start=\"7324\" data-end=\"7385\">konut kredisi faizlerine ne kadar ve ne h\u0131zda yans\u0131yaca\u011f\u0131<\/strong><\/li>\n<li data-start=\"7443\" data-end=\"7622\">Enflasyon kontrol alt\u0131na al\u0131nmadan h\u0131zl\u0131 faiz indirimi, kur ve fiyat istikrar\u0131 \u00fczerinden yeni \u015foklar yaratabilir; bu da yine konut fiyatlar\u0131n\u0131 ve kira enflasyonunu tetikleyebilir.<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"7627\" data-end=\"7679\"><strong data-start=\"7627\" data-end=\"7677\">Hedefli kredi programlar\u0131 ve ilk ev destekleri<\/strong>\n<ul>\n<li data-start=\"7685\" data-end=\"7888\">\u201c\u0130lk evim\u201d benzeri, sadece evi olmayan hanelere y\u00f6nelik d\u00fc\u015f\u00fck faizli ve uzun vadeli programlar\u0131n kapsam\u0131 geni\u015flerse, orta gelirlinin piyasaya geri d\u00f6n\u00fc\u015f\u00fc m\u00fcmk\u00fcn.<\/li>\n<li data-start=\"7894\" data-end=\"7991\">Ancak bunlar\u0131n da <strong data-start=\"7912\" data-end=\"7939\">konut arz\u0131 art\u0131r\u0131lmadan<\/strong> yap\u0131lmas\u0131, fiyatlar\u0131 yeniden \u015fi\u015firme riski ta\u015f\u0131yor.<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"7996\" data-end=\"8044\"><strong data-start=\"7996\" data-end=\"8042\">Eri\u015filebilir konut ve sosyal konut \u00fcretimi<\/strong>\n<ul>\n<li data-start=\"8050\" data-end=\"8310\">Sekt\u00f6r\u00fcn kendi i\u00e7inde de bir mutabakat var: Orta gelirli i\u00e7in <strong data-start=\"8112\" data-end=\"8157\">fiyat\u0131, \u00f6deme plan\u0131 ve lokasyonu ger\u00e7ek\u00e7i<\/strong> projeler \u00fcretilmezse, l\u00fcks ve yat\u0131r\u0131m odakl\u0131 segmentin d\u0131\u015f\u0131na ta\u015famayan bir piyasa yap\u0131s\u0131 kal\u0131c\u0131 hale gelecek.<\/li>\n<\/ul>\n<\/li>\n<li data-start=\"8315\" data-end=\"8355\"><strong data-start=\"8315\" data-end=\"8353\">\u00dccret politikas\u0131 ve gelir da\u011f\u0131l\u0131m\u0131<\/strong>\n<ul>\n<li data-start=\"8361\" data-end=\"8524\">Asgari \u00fccret ve kamu maa\u015f zamlar\u0131, konut maliyet art\u0131\u015f\u0131n\u0131 yakalayamad\u0131\u011f\u0131 s\u00fcrece \u201cev sahibi olma\u201d hik\u00e2yesi giderek daha dar bir kesimin ayr\u0131cal\u0131\u011f\u0131 haline geliyor.<\/li>\n<li data-start=\"8530\" data-end=\"8716\">Emekli ve d\u00fc\u015f\u00fck \u00fccret grubunda al\u0131m g\u00fcc\u00fcn\u00fcn daha da gerilemesi, konut piyasas\u0131nda <strong data-start=\"8612\" data-end=\"8660\">talebin \u00fcst gelir ve yat\u0131r\u0131mc\u0131ya s\u0131k\u0131\u015fmas\u0131n\u0131<\/strong> peki\u015ftiriyor.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1280\" src=\"https:\/\/www.merceknet.com\/tr\/wp-content\/uploads\/2026\/01\/a3798395-9c0a-4a04-861b-27b8c36c5caf.png\" alt=\"\" width=\"1024\" height=\"1024\" srcset=\"https:\/\/www.merceknet.com\/tr\/wp-content\/uploads\/2026\/01\/a3798395-9c0a-4a04-861b-27b8c36c5caf.png 1024w, https:\/\/www.merceknet.com\/tr\/wp-content\/uploads\/2026\/01\/a3798395-9c0a-4a04-861b-27b8c36c5caf-150x150.png 150w, https:\/\/www.merceknet.com\/tr\/wp-content\/uploads\/2026\/01\/a3798395-9c0a-4a04-861b-27b8c36c5caf-480x480.png 480w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><strong>Sonu\u00e7: Sorun tek ba\u015f\u0131na faiz de\u011fil, denklem komple bozuk<\/strong><\/p>\n<p>S\u00f6zc\u00fc\u2019deki haberin ba\u015fl\u0131\u011f\u0131 asl\u0131nda denklemi net \u00f6zetliyor: <strong data-start=\"8843\" data-end=\"8883\">Ev pahal\u0131, faiz y\u00fcksek, \u00fccret d\u00fc\u015f\u00fck.<\/strong> Ancak analiz etti\u011fimizde g\u00f6r\u00fcyoruz ki:<\/p>\n<ul>\n<li data-start=\"8926\" data-end=\"9024\">Konut fiyatlar\u0131, enflasyonun \u00fczerinde olmasa bile <strong data-start=\"8976\" data-end=\"9021\">\u00e7ok y\u00fcksek bir seviyeye yerle\u015fmi\u015f durumda<\/strong>.<\/li>\n<li data-start=\"9027\" data-end=\"9136\">\u00dccretler, \u00f6zellikle kira ve g\u0131da enflasyonunun bask\u0131s\u0131 alt\u0131nda, <strong data-start=\"9091\" data-end=\"9133\">konut birikimi yapmaya alan b\u0131rakm\u0131yor<\/strong>.<\/li>\n<li data-start=\"9139\" data-end=\"9260\">Faiz cephesinde k\u0131smi geri \u00e7ekilmeye ra\u011fmen, <strong data-start=\"9184\" data-end=\"9257\">kredi oranlar\u0131 ve taksit tutarlar\u0131 orta gelirlinin b\u00fct\u00e7esiyle uyumsuz<\/strong>.<\/li>\n<li data-start=\"9263\" data-end=\"9378\">Kredi s\u0131n\u0131rlar\u0131 ve mevduat faizi yar\u0131\u015f\u0131nda ise <strong data-start=\"9310\" data-end=\"9340\">bankalar\u0131n i\u015ftah\u0131 temkinli<\/strong>, dolay\u0131s\u0131yla finansman penceresi dar.<\/li>\n<\/ul>\n<p data-start=\"9380\" data-end=\"9634\">Bu kombinasyon de\u011fi\u015fmeden, 2026\u2019da da orta gelirli i\u00e7in \u201cev hayali\u201d; kampanya afi\u015flerinde, lansman videolar\u0131nda ve siyasi s\u00f6ylemlerde bolca yer bulacak ama <strong data-start=\"9536\" data-end=\"9633\">ger\u00e7ek hayatta s\u0131n\u0131rl\u0131 say\u0131da hanenin eri\u015febildi\u011fi bir ayr\u0131cal\u0131k olarak kalma riskini ta\u015f\u0131yor<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Konut fiyatlar\u0131 milyonlarla, konut kredisi taksitleri maa\u015flarla yar\u0131\u015f\u0131yor. Faiz indirimlerine ra\u011fmen bankalar\u0131n kredi i\u015ftah\u0131 s\u0131n\u0131rl\u0131, kiralar enflasyonla birlikte yukar\u0131 giderken \u00fccretler geriden geliyor. 2026\u2019da orta s\u0131n\u0131f i\u00e7in ev sahibi olman\u0131n yolu, sadece faizden de\u011fil; fiyat, gelir ve konut politikas\u0131ndan birlikte ge\u00e7iyor.<\/p>\n","protected":false},"author":2,"featured_media":1277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-1276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analiz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Y\u00fcksek faiz, pahal\u0131 konut, eriyen \u00fccret... 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