{"id":8395,"date":"2023-03-19T13:50:56","date_gmt":"2023-03-19T13:50:56","guid":{"rendered":"https:\/\/inoxproperty.com\/imb-4-ceyrekte-kredi-basina-ortalama-2-812-kaybetti\/"},"modified":"2023-04-11T22:52:29","modified_gmt":"2023-04-11T19:52:29","slug":"imb-4-ceyrekte-kredi-basina-ortalama-2-812-kaybetti","status":"publish","type":"post","link":"https:\/\/mk.gen.tr\/en\/imb-4-ceyrekte-kredi-basina-ortalama-2-812-kaybetti\/","title":{"rendered":"IMB 4. \u00e7eyrekte kredi ba\u015f\u0131na ortalama 2.812 $ kaybetti"},"content":{"rendered":"

Ba\u011f\u0131ms\u0131z ipotek bankalar\u0131 (IMB’ler) ve imtiyazl\u0131 bankalar\u0131n ipotek i\u015ftirakleri, 2022’nin d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde ipotek oranlar\u0131ndaki<\/a> s\u0131\u00e7rama nedeniyle k\u0131rm\u0131z\u0131 m\u00fcrekkep d\u00f6kt\u00fc.<\/p>\n

Bu \u015firketler Ekim-Aral\u0131k aylar\u0131 aras\u0131nda kulland\u0131rd\u0131klar\u0131<\/a> her bir kredi i\u00e7in 2.812 $ net zarar bildirmi\u015f olup, bu rakam \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte kredi ba\u015f\u0131na ortalama 624 $ olan zarar\u0131n d\u00f6rt kat\u0131ndan fazlad\u0131r. Mortgage Bankac\u0131lar\u0131 Birli\u011fi<\/a> <\/strong>(MBA).<\/p>\n

MBA’in sekt\u00f6r analizinden sorumlu ba\u015fkan yard\u0131mc\u0131s\u0131 Marina Walsh<\/a>, “\u00dcst \u00fcste \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte, vergi \u00f6ncesi ortalama net \u00fcretim geliri k\u0131rm\u0131z\u0131da kald\u0131 ve 2022’nin son \u00fc\u00e7 ay\u0131nda 99 baz puanl\u0131k kay\u0131pla yeni bir anketin en d\u00fc\u015f\u00fck seviyesine ula\u015ft\u0131” dedi.<\/p>\n

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Walsh, baz puan gelirlerinin de 2011’in d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finden bu yana g\u00f6r\u00fclmeyen seviyelere d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc belirtti.<\/p>\n

Sonu\u00e7 olarak, t\u00fcm i\u015f kollar\u0131 – ipotek \u00fcretimi ve ipotek hizmeti<\/a> – dikkate al\u0131nd\u0131\u011f\u0131nda bile, d\u00f6rt \u015firketten yaln\u0131zca biri 2022’nin d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde k\u00e2rl\u0131 olmu\u015ftur.<\/p>\n

Walsh, “Bu, i\u015ften \u00e7\u0131karmalar da dahil olmak \u00fczere maliyet d\u00fc\u015f\u00fcr\u00fcc\u00fc \u00f6nlemlerin hen\u00fcz gidi\u015fat\u0131 de\u011fi\u015ftirmeye yetmedi\u011fi, ipotek sa\u011flay\u0131c\u0131lar\u0131 i\u00e7in zorlu bir d\u00f6nem oldu” dedi.<\/p>\n

IMB’ler<\/a>, \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekteki 578 milyon $’dan d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte ortalama 436 milyon $ kredi hacmi yaratm\u0131\u015ft\u0131r. \u00dcretim hacmi sekiz \u00e7eyrek \u00fcst \u00fcste gerilemi\u015ftir. <\/p>\n

\u015eirket ba\u015f\u0131na d\u00fc\u015fen kredi hacmi d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte ortalama 1.395 olurken, bir \u00f6nceki \u00e7eyrekte bu rakam 1.819 idi. Kredi ba\u015f\u0131na \u00fcretim gelirleri, \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte kredi ba\u015f\u0131na 10.392 $ iken d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte 9.637 $’a gerilemi\u015ftir.<\/p>\n

Ortalama kredi bakiyesi d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte 322.225$’a gerileyerek bir \u00f6nceki \u00e7eyrekteki 335.940$’a g\u00f6re %4’l\u00fck bir d\u00fc\u015f\u00fc\u015f g\u00f6stermi\u015f ve bu da konut fiyatlar\u0131ndaki art\u0131\u015f\u0131n yava\u015flad\u0131\u011f\u0131na i\u015faret etmi\u015ftir.<\/p>\n

Toplam kredi \u00fcretim giderleri, 2022’nin \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde kredi ba\u015f\u0131na 11.016 $ iken, d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte kredi ba\u015f\u0131na 12.450 $’a y\u00fckseldi. Kredi \u00fcretim giderleri 2008’in \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finden 2022’nin son \u00e7eyre\u011fine kadar kredi ba\u015f\u0131na ortalama 7.068 $ olmu\u015ftur.<\/p>\n

MSR<\/a> amortisman\u0131, riskten korunma kazan\u00e7lar\u0131 veya kay\u0131plar\u0131 netle\u015ftirilmi\u015f hizmet haklar\u0131n\u0131n de\u011ferlemesindeki kazan\u00e7lar veya kay\u0131plar ve MSR’lerin toplu sat\u0131\u015f\u0131ndan elde edilen kazan\u00e7lar veya kay\u0131plar\u0131 hari\u00e7 tutan hizmet faaliyet geliri de d\u00f6rd\u00fcnc\u00fc \u00e7eyrekte kredi ba\u015f\u0131na bir \u00f6nceki \u00e7eyrekteki 95 dolardan 104 dolara y\u00fckseldi. <\/p>\n

MSR’lerin sat\u0131\u015f\u0131, bir gelir ak\u0131\u015f\u0131 olarak kazan\u00e7lar\u0131<\/a> do\u011frudan etkilemez, ancak MSR’lerin sat\u0131\u015f anla\u015fmalar\u0131 yoluyla nakde d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi, bir bor\u00e7 verenin nakit ak\u0131\u015f\u0131n\u0131 ve genel likiditesini g\u00fc\u00e7lendirir. IMB’ler ve imtiyazl\u0131 bankalar\u0131n mortgage i\u015ftirakleri bu y\u0131l\u0131n ikinci \u00e7eyre\u011fine kadar k\u0131rm\u0131z\u0131da kalmaya devam edebilir. <\/p>\n

MBA, toplam sekt\u00f6r hacminin ikinci \u00e7eyrekten itibaren toparlanaca\u011f\u0131n\u0131 ve 30 y\u0131ll\u0131k sabit mortgage oran\u0131n\u0131n y\u0131l ilerledik\u00e7e d\u00fc\u015fece\u011fini tahmin ediyor. <\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Ba\u011f\u0131ms\u0131z ipotek bankalar\u0131 (IMB’ler) ve imtiyazl\u0131 bankalar\u0131n ipotek i\u015ftirakleri, 2022’nin d\u00f6rd\u00fcnc\u00fc \u00e7eyre\u011finde ipotek oranlar\u0131ndaki s\u0131\u00e7rama nedeniyle k\u0131rm\u0131z\u0131 m\u00fcrekkep d\u00f6kt\u00fc. Bu \u015firketler Ekim-Aral\u0131k aylar\u0131 aras\u0131nda kulland\u0131rd\u0131klar\u0131 her bir kredi i\u00e7in 2.812 $ net zarar bildirmi\u015f olup, bu rakam \u00fc\u00e7\u00fcnc\u00fc \u00e7eyrekte kredi ba\u015f\u0131na ortalama 624 $ olan zarar\u0131n d\u00f6rt kat\u0131ndan fazlad\u0131r. Mortgage Bankac\u0131lar\u0131 Birli\u011fi (MBA). MBA’in sekt\u00f6r…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[164],"tags":[],"_links":{"self":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts\/8395"}],"collection":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/comments?post=8395"}],"version-history":[{"count":2,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts\/8395\/revisions"}],"predecessor-version":[{"id":9184,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/posts\/8395\/revisions\/9184"}],"wp:attachment":[{"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/media?parent=8395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/categories?post=8395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mk.gen.tr\/en\/wp-json\/wp\/v2\/tags?post=8395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}