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Ortaklýða Dayalý Yeni Bir Konut Finansman Modeli: Örnek Uygulamalar

Author

Listed:
  • Abdullah EROÐLU

    (Süleyman Demirel Üniversitesi, Ýktisadi ve Ýdari Bilimler Fakültesi, Merkez, Isparta)

  • Mehmet Levent ERDAÞ

    (Akdeniz Üniversitesi, Serik Ýþletme Fakültesi, Ekonomi ve Finans Anabilim Dalý, Antalya.)

Abstract

Klasik bankalar, katýlým bankalarý ya da kredi kurumlarý tarafýndan en sýk kullanýlan finansman yöntemlerinden biri, konut finansman yöntemidir. Katýlým bankalarý tarafýndan sunulan konut finansman yöntemi ise ortaklýða dayalý konut finansman modelidir. Ortaklýða dayalý konut finansman modelinde, müþteri ile kredi kurumu belli oranlarda finansman saðlayarak ortaklaþa bir konut satýn alýrlar. Müþteri konuta yerleþir. Her ay müþteri konut kirasý ile belli bir miktarý geri ödeme olarak kredi kurumuna verir. Böylece her ay müþterinin hissesi deðiþmekte ve hissesi oranýndaki kira geliri de geri ödeme olarak gerçekleþmektedir. Müþterinin hissesi % 100 olduðunda konut müþteriye devredilerek konut finansman modeli sonlandýrýlmýþ olur. Bu çalýþmada ele alýnan modelin geri ödemelerinin ilk u adedinin miktarý müþteri tarafýndan belirlendiði bir konut finansman modeli geliþtirilmiþ ve modelin iþleyiþi uygulamalý örneklerle izah edilmektedir. Bu çalýþma faizsiz bir þekilde konut sahibi olmak isteyen potansiyel müþterilere önemli katký saðlayacaðý düþünülmektedir.

Suggested Citation

  • Abdullah EROÐLU & Mehmet Levent ERDAÞ, 2017. "Ortaklýða Dayalý Yeni Bir Konut Finansman Modeli: Örnek Uygulamalar," Isletme ve Iktisat Calismalari Dergisi, Econjournals, vol. 5(2), pages 14-22.
    • Handle: RePEc:eco:journ4:2017-02-02
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    More about this item

    Keywords

    Faizsiz Bankacýlýk; Konut Finansman Sistemi; Faizsiz Konut Finansman Sistemi; Ortaklýk;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • P33 - Political Economy and Comparative Economic Systems - - Socialist Institutions and Their Transitions - - - International Trade, Finance, Investment, Relations, and Aid
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets

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