Görüntüleme
35
İndirme
11
Konut kredileri bankaların yıllarca bankaların müşterilerine sunduğu önemli enstrümanlardan bir tanesidir. Tabi ki para politikacılar bu tip kredileri her zaman için ekonomik bir müdahale şeklinde görmüşlerdir. Dolayısıyla da ülkede ne zaman genişleyici bir para politikası izlenmeye başlanacaksa konut kredileri vazgeçilemeyecek bir para politikası araçlarından bir tanesi olmuştur. Sonuçta emisyon hacminde artan bir genişleme olduğunda yani para arzının arttığı dönemlerde bu tip kredilerin varlığı ve cazibesi her zaman ekonomik anlayışın bir ürünü olmuştur. Bankalar piyasanın canlanabilmesi adına zaman zaman çok düşük faiz oranlarıyla vatandaşın konut sahibi olabilmesi için konut kredileri sunmuşlardır. Ama diğer taraftan ekonomik istikrarın olmadığı dönemlerde de yüksek oranlı konut kredileri vererek piyasanın bir anlamda konut kredilerinden uzak durmasını sağlamışlardır. Bu çalışma kapsamında seçilmiş parasal büyüklüklerin tanımları doğrultusunda, 2005-2019 yılları arasında oluşan para arzı ve konut kredileri arasındaki ilişki analiz edilerek Granger nedensellik testi kullanılacaktır. Bu kapsamda Granger nedensellik testi için ilk aşamada serilerin durağanlık mertebeleri belirlenecek ve seriler arasında eşbütünleşme ilişkisi araştırılacaktır. Elde edilen bulgulara göre nedensellik analizi gerçekleştirilecektir.
Housing loans are one of the important instruments that banks have been offering to their customers for years. Of course, monetary politicians have always seen this kind of loans as an economic intervention. Therefore, when an expanding monetary policy will begin to be followed in the country, housing loans have become one of the means of monetary policy that cannot be abandoned. After all, when there is an increasing extension of the emission volume, that is, in the periods when the supply of money increases, the presence and attractiveness of these types of loans has always been a product of economic understanding. Banks have offered housing loans in order to rescue the market with a very low interest rate from time to time for citizens to be housing owners. But on the other hand, in periods where there is no economic stability, they have also given high rates of housing loans to ensure that the market in a sense stops from housing loans. In accordance with the definitions of the monetary sizes selected in this study, the relationship between the money supply and housing loans formed between 2005-2019 will be analyzed using the Granger causality test. In this context, the first stage of the Granger causality test will determine the stagnation stages of the series and the matching relationship between the series will be investigated. According to the findings obtained, the cause analysis will be performed.
Housing loans are one of the most important instruments that banks offer to customers. Of course, monetary politicians have always viewed these types of loans as an economic intervention. Therefore, whenever an expansionary monetary policy is to be followed in a country, housing loans have become an indispensable monetary policy tool. As a result, when there is an increasing expansion in monetary policy, the existence and attractiveness of such loans has always been a product of this economic understanding. Banks have offered mortgage loans from time to time with very low interest rates in order to stimulate the market. But, on the other hand, they have provided high rates of housing loans in periods when there was no economic stability, and in a sense, they have kept the market away from housing loans. Within the scope of this study, in line with the definitions of selected monetary aggregates, the Granger causality test will be used in analyzing the relationship between the money supply and housing loans from 2005 to 2019. In the first stage for the Granger causality test, the stationary levels of the series will be determined and the cointegration relationship between the series will be investigated. Causality analysis will be performed according to the findings obtained
Alan : Sosyal, Beşeri ve İdari Bilimler
Dergi Türü : Ulusal
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