{"id":281674,"date":"2024-12-23T02:54:02","date_gmt":"2024-12-23T02:54:02","guid":{"rendered":"https:\/\/gfssite.local\/gencler-icin-kiralamak-daire-satin-almaktan-daha-iyi\/"},"modified":"2024-12-23T02:54:02","modified_gmt":"2024-12-23T02:54:02","slug":"gencler-icin-kiralamak-daire-satin-almaktan-daha-iyi","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/tr\/gencler-icin-kiralamak-daire-satin-almaktan-daha-iyi\/","title":{"rendered":"Gen\u00e7ler i\u00e7in kiralamak daire sat\u0131n almaktan daha iyi"},"content":{"rendered":"

\u00c7o\u011fu zaman gen\u00e7 \u00e7iftlerden ve ayr\u0131ca ebeveynlerinden \u015fu iddiay\u0131 duyma f\u0131rsat\u0131m oluyor: Bir daire kiralad\u0131\u011f\u0131n\u0131zda paradan hi\u00e7bir \u015fey kalmaz, ipotekli bir daire sat\u0131n ald\u0131\u011f\u0131n\u0131zda ise paradan hi\u00e7bir \u015fey kalmaz. bir daire. Bu elbette tamamen yanl\u0131\u015f bir iddiad\u0131r. Bu b\u00f6l\u00fcmde nedenini a\u00e7\u0131klayaca\u011f\u0131z. Ancak bu a\u015famada zaten bir daire sat\u0131n alma veya kiralama karar\u0131n\u0131n hem ekonomik hem de ki\u015fisel de\u011ferlendirmelerden etkilendi\u011fini s\u00f6yleyece\u011fiz. B\u00f6l\u00fcm\u00fcn ana k\u0131sm\u0131 ekonomik hususlar\u0131n anla\u015f\u0131lmas\u0131 ve analiz edilmesi etraf\u0131nda d\u00f6necek. Daha sonra g\u00f6z ard\u0131 edilmemesi gereken ki\u015fisel hususlar\u0131 k\u0131saca g\u00f6zden ge\u00e7irece\u011fiz. <\/p>\n

ekonomik ya\u015fayabilirlik<\/h2>\n

A\u00e7\u0131klama amac\u0131yla \u015fu hikayeyi kullanaca\u011f\u0131z: iki arkada\u015f <\/b>\u015eu anda ebeveynleriyle birlikte ya\u015fayan Avraham<\/b> ve Benjamin,<\/b> kendi evlerine ta\u015f\u0131nmakla ilgileniyorlar. Avraham<\/b> bir daire sat\u0131n almak istiyor, Benjamin<\/b> ise kiralamak istiyor. O d\u00f6nemde Bialik Caddesi 20, ikinci katta birbirinin ayn\u0131s\u0131 2 daire sunuluyor. <\/span><\/p>\n

Biri 150.000$<\/b> \u2018a sat\u0131l\u0131k, di\u011feri ayl\u0131k 500$\u2019<\/b> a kiral\u0131k. <\/span><\/p>\n

Her iki arkada\u015f da ayn\u0131 bilgisayar \u015firketinde \u00e7al\u0131\u015f\u0131yor. Her biri ayda net 2500 dolar (y\u0131lda 30 bin dolar) kazan\u0131yor ve halihaz\u0131rda 100.000 dolar biriktirmi\u015f durumda (bunun bir k\u0131sm\u0131 mirastan geliyor). Tasarruflar, y\u0131lda %5 faiz getiren bir tasarruf plan\u0131na yat\u0131r\u0131l\u0131r. Bunu kaydetmek i\u00e7in denir: <\/b>tasarruf<\/b> <\/b>orijinal<\/b>\u200b<\/b> Sunaca\u011f\u0131m\u0131z 3 senaryonun her birinde, 12 y\u0131l sonra hangi \u00fcyenin daha zengin olaca\u011f\u0131n\u0131 daha sonra inceleyece\u011fiz. Senaryolar\u0131n her birinde Avraham, her y\u0131l sonunda 12 e\u015fit \u00f6demeyle geri \u00f6denen %5 faiz oran\u0131yla 12 y\u0131ll\u0131k bir ipotek al\u0131yor. Senaryolar Avraham\u2019\u0131n<\/b> ald\u0131\u011f\u0131 ipotek miktar\u0131 a\u00e7\u0131s\u0131ndan birbirinden farkl\u0131l\u0131k g\u00f6steriyor: <\/span><\/p>\n

Senaryo 1\u2019de- <\/b>Avraham<\/b> 150 bin dolar tutar\u0131nda ipotek al\u0131yor ve t\u00fcm orijinal birikimler bankada kal\u0131yor.<\/p>\n

senaryo 2\u2019de \u2013 <\/b>Avraham<\/b> 100 bin dolar tutar\u0131nda ipotek al\u0131yor ve orijinal birikimlerden 50 bin dolar \u00f6d\u00fcyor.<\/p>\n

senaryo 3\u2019te \u2013 <\/b>Avraham<\/b> 50 bin dolar tutar\u0131nda ipotek al\u0131yor ve orijinal birikimlerden 100 bin dolar \u00f6d\u00fcyor. <\/span><\/p>\n

\u0130lerlemeden \u00f6nce, ilk olarak ad\u0131 verilen bir tabloyu a\u00e7\u0131klayaca\u011f\u0131z. \u0130mha panosu.<\/strong><\/p>\n

\u00d6deme plan\u0131, ald\u0131\u011f\u0131m\u0131z bir krediyi nas\u0131l geri \u00f6dememiz (\u00f6dememiz) gerekti\u011fini g\u00f6steren bir tablodur. Tablo, \u00f6dememiz gereken \u00f6demelerin say\u0131s\u0131n\u0131, tarihlerini ve her defas\u0131ndaki \u00f6deme tutar\u0131n\u0131 listeler. Ayr\u0131ca tabloda her bir \u00f6demenin ne kadar\u0131n\u0131n anapara \u00f6demesine, ne kadar\u0131n\u0131n faiz \u00f6demesine y\u00f6nlendirildi\u011fi de listelenmektedir. A\u015fa\u011f\u0131daki \u00f6rnekte, krediyi 5 e\u015fit \u00f6demede geri \u00f6deyece\u011fimiz bir \u00f6deme plan\u0131 sunaca\u011f\u0131z. <\/p>\n

\u00d6rnek:<\/h3>\n

Bankadan 100.000 Dolar tutar\u0131nda, y\u0131ll\u0131k faiz oran\u0131 %10 olan ve her y\u0131l\u0131n sonunda olmak \u00fczere 5 e\u015fit taksitte geri \u00f6denecek bir kredi ald\u0131k. Banka memuru bizim i\u00e7in Tablo 1\u2019de g\u00f6sterilen kredi i\u00e7in bir \u00f6deme plan\u0131 hesaplad\u0131. \u00d6deme plan\u0131na g\u00f6re her y\u0131l 26.380 $ geri \u00f6dememiz gerekiyor (s\u00fctun 3). <\/p>\n

Tablo<\/b> 1<\/b> \u2013 \u0130mha plan\u0131 (veriler $ cinsindendir) <\/span><\/p>\n

\"Gen\u00e7ler<\/p>\n

6 s\u00fctunun tamam\u0131 boyunca 1 numaral\u0131 sat\u0131r\u0131 takip edece\u011fiz. <\/p>\n\n\n\n\n\n\n\n\n\n\n
<\/td>\n <\/strong><\/td>\n\n

1. sat\u0131r verileri<\/h3>\n

<\/strong><\/p><\/td>\n<\/tr>\n

S\u00fctun 1-<\/td>\nbir y\u0131l<\/strong> Bahsetti\u011fimiz y\u0131l <\/td>\n[1 \u05e8\u05d0\u05e9\u05d5\u05e0\u05d4]<\/strong><\/td>\n<\/tr>\n
S\u00fctun 2-<\/td>\nSene ba\u015f\u0131ndaki fon tutar\u0131<\/strong><\/td>\n

[100,000]
\n<\/p><\/tr>\n

S\u00fctun 3-<\/td>\nY\u0131ll\u0131k \u00f6deme tutar\u0131<\/strong> (y\u0131l sonunda \u00f6denen)<\/td>\n

[26,380]
\n<\/p><\/tr>\n

s\u00fctun 4-<\/td>\nfaiz tutar\u0131.<\/strong> Y\u0131ll\u0131k \u00f6demenin faiz \u00f6demesine y\u00f6nelik k\u0131sm\u0131 (o y\u0131l\u0131n ba\u015f\u0131ndaki fon bakiyesinin %10\u2019u)<\/td>\n

[10,000]
\n<\/p><\/tr>\n

s\u00fctun 5-<\/td>\nFonun tutar\u0131. Y\u0131ll\u0131k \u00f6demenin anapara geri \u00f6demesine y\u00f6nelik k\u0131sm\u0131 (s\u00fctun 3 eksi s\u00fctun 4) <\/td>\n[16,380]<\/td>\n<\/tr>\n
s\u00fctun 6-<\/td>\nY\u0131ll\u0131k \u00f6demeden sonraki anapara tutar\u0131<\/td>\n

[83,620]<\/p>\n

<\/td>\n<\/tr>\n
<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00d6demelerin e\u015fit oldu\u011fu bir \u00f6deme tablosuna, mucidinin ad\u0131n\u0131 ta\u015f\u0131yan Spitzer tablosu<\/strong> ad\u0131 verilir. Spitzer grafi\u011fi<\/strong> ipotek sekt\u00f6r\u00fcnde \u00e7ok yayg\u0131nd\u0131r ve bunu senaryolar\u0131m\u0131zda kullanaca\u011f\u0131z.<\/p>\n

Yorum:<\/p>\n

    \n
  1. Tablodaki tutarlar tam dolara yuvarlanm\u0131\u015ft\u0131r. Dolay\u0131s\u0131yla be\u015finci y\u0131l\u0131n sonunda bakiye 2 \u2013 (bankan\u0131n bizden 2 dolar fazla ald\u0131\u011f\u0131 ve bize borcu oldu\u011fu s\u00f6yleniyor). Tablodaki tutarlar yuvarlanmasayd\u0131 bakiye tam olarak 0 olurdu. A\u015fa\u011f\u0131daki takas tablosu \u00f6rneklerinin tamam\u0131nda dahi tutarlar\u0131n yuvarlanmas\u0131 sonucu d\u00f6nem sonunda ihmal edilebilir bir bakiye olu\u015facakt\u0131r. <\/li>\n
  2. Bu b\u00f6l\u00fcmde banka memurunun y\u0131ll\u0131k geri \u00f6deme tutar\u0131n\u0131 Spitzer tablosunda<\/strong> nas\u0131l hesaplad\u0131\u011f\u0131n\u0131 \u00f6\u011frenmeyeceksiniz. Ancak imha program\u0131n\u0131 olu\u015fturdu\u011fu bir kitap\u00e7\u0131\u011fa sahip oldu\u011fu ima ediliyor. <\/li>\n<\/ol>\n

    Spitzer plakas\u0131n\u0131n \u00f6nemli \u00f6zellikleri<\/h3>\n
      \n
    1. T\u00fcm \u00f6demeler e\u015fittir.<\/li>\n
    2. Y\u0131ll\u0131k \u00f6demenin faiz bile\u015feni \u00f6demeden \u00f6demeye azal\u0131r.<\/li>\n
    3. Y\u0131ll\u0131k \u00f6demenin fon bile\u015feni \u00f6demeden \u00f6demeye art\u0131yor.<\/li>\n<\/ol>\n

      Not:<\/strong> \u00d6rne\u011fimizde anlat\u0131m kolayl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan \u00f6demeler y\u0131lda bir kez yap\u0131lmaktad\u0131r. Ger\u00e7ekte \u00f6demelerin ayda bir veya \u00fc\u00e7 ayda bir yap\u0131lmas\u0131 kabul edilmektedir. <\/p>\n

      Senaryo 1\u2019de \u0130brahim\u2019e referans <\/span><\/h3>\n
        \n
      1. 150 bin dolarl\u0131k bir ipotek al\u0131yor ve bunu y\u0131ll\u0131k 12 e\u015fit taksitte geri \u00f6d\u00fcyor. Tablo 2 bu ipotek i\u00e7in Spitzer tablosunu g\u00f6stermektedir. Y\u0131ll\u0131k geri \u00f6deme 16.924 dolard\u0131r. <\/span><\/li>\n
      2. Daha \u00f6nce de belirtildi\u011fi gibi, y\u0131ll\u0131k net maa\u015f\u0131 30.000 dolard\u0131r. bunun \u0131\u015f\u0131\u011f\u0131nda <\/b>onun maa\u015f\u0131<\/b> <\/b>Bedava para<\/b> (ipote\u011fi \u00f6dedikten sonra) 13.076 dolard\u0131r<\/b> ve bu paran\u0131n tamam\u0131n\u0131 cari t\u00fcketim i\u00e7in kullanmaya karar verir.<\/li>\n<\/ol>\n

        Tablo<\/b> 2 \u2013<\/b> Tablo<\/b> <\/b>Spitzer<\/b> <\/span><\/b><\/p>\n

        \"Gen\u00e7ler<\/a><\/p>\n

        [mks_highlight color=\u201d#dd9933\u2033]<\/p>\n

        \n
        \n
        \n
        \n

        T\u00fcm senaryolarda hesaplamalar\u0131n basitli\u011fi i\u00e7in \u015funu varsayal\u0131m:<\/p>\n

          \n
        1. \u00dcyelerin her birinin cari t\u00fcketime ili\u015fkin ifade etti\u011fi tutar senaryodan senaryoya de\u011fi\u015fmemekte olup 13.076 ABD dolar\u0131d\u0131r.<\/li>\n
        2. Y\u0131ll\u0131k birikimler varsa y\u0131l i\u00e7inde faizsiz olarak cari hesaba yat\u0131r\u0131l\u0131r ve ancak y\u0131l sonundan itibaren %5 faiz oran\u0131yla birikim plan\u0131na aktar\u0131l\u0131r.<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

          [\/mks_highlight]<\/p>\n

          \n
          \n
          \n

          Her ikisinin de 12 y\u0131l\u0131n sonundaki mal varl\u0131klar\u0131n\u0131n resmi<\/h3>\n

          Tablo 3<\/strong><\/p>\n

          \"Gen\u00e7ler<\/p>\n

          \n
          \n
          \n

          Senaryo 2<\/h3>\n
          \n
          \n
          \n

          \u0130brahim\u2019e at\u0131f<\/h3>\n
            \n
          1. Avraham 100 bin dolarl\u0131k bir ipotek al\u0131yor ve orijinal birikiminden<\/b> 50 bin dolar\u0131 tamaml\u0131yor. <\/span>Tablo 4 bu ipotek i\u00e7in Spitzer tablosunu g\u00f6stermektedir. Y\u0131ll\u0131k getiri \u2013 11.283 bin. <\/li>\n
          2. Avraham\u2019\u0131n y\u0131ll\u0131k maa\u015f\u0131 \u015fu \u015fekilde b\u00f6l\u00fcn\u00fcyor:<\/li>\n<\/ol>\n

            Mortgage geri \u00f6demesi i\u00e7in 11.283$<\/p>\n

            Mevcut t\u00fcketim i\u00e7in 13.076 $<\/p>\n

            5.641 $ (bakiye) tasarruf etmek i\u00e7in<\/p>\n

            Toplam<\/b> 30.000<\/b> $<\/b>\u200b<\/b> <\/span><\/b> <\/p>\n

            Tablo<\/b> 4 \u2013<\/b> Tablo<\/b> <\/b>imha etmek<\/b> <\/span><\/b><\/p>\n<\/div>\n<\/div>\n<\/div>\n

            \"Gen\u00e7ler<\/p>\n

            \n
            \n
            \n

            Her ikisinin de 12 y\u0131l\u0131n sonundaki mal varl\u0131klar\u0131n\u0131n resmi<\/h3>\n

            Tablo 5<\/strong><\/p>\n

            \"Gen\u00e7ler<\/p>\n

            Senaryo<\/b> 3<\/b> <\/h3>\n

            \u0130brahim\u2019e<\/b> at\u0131f<\/b><\/h4>\n
              \n
            1. Avraham 50 bin dolarl\u0131k ipotek al\u0131yor. Ve orijinal birikiminden 100 bin dolar\u0131 tamaml\u0131yor. Tablo 6 bu ipotek i\u00e7in Spitzer tablosunu g\u00f6stermektedir. Y\u0131ll\u0131k geri \u00f6deme \u2013 5.641 dolar. <\/li>\n
            2. Y\u0131ll\u0131k maa\u015f\u0131 \u015fu \u015fekilde b\u00f6l\u00fcnm\u00fc\u015ft\u00fcr:<\/li>\n<\/ol>\n

              5.641 $\u2019l\u0131k ipote\u011fi geri \u00f6demek i\u00e7in<\/p>\n

              \n
              \n
              \n
              \n

              Mevcut t\u00fcketim 13.076$<\/p>\n

              \n
              \n
              \n
              \n

              Tasarruf 11.284$<\/p>\n

              Toplam<\/b> 30.000<\/b> $<\/b><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

              Tablo 6<\/strong><\/p>\n

              \"Gen\u00e7ler<\/p>\n

              \n
              \n
              \n
              \n

              Her ikisinin de 12 y\u0131l\u0131n sonundaki anl\u0131k g\u00f6r\u00fcnt\u00fcs\u00fc<\/h3>\n

              Tablo 7<\/strong><\/p>\n

              \"Gen\u00e7ler<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

              sonu\u00e7lar<\/b> <\/b>bir bak\u0131\u015ftan<\/b> <\/b>Birinci<\/b> <\/span><\/b><\/p>\n

                \n
              1. Yukar\u0131da bahsetti\u011fimiz ger\u00e7ek\u00e7i verilere dayanan 3 senaryoya \u015funlar diyece\u011fiz: <\/b>Veri<\/b> <\/b>Piyasa,<\/b> kirac\u0131n\u0131n t\u00fcm kira \u00f6demelerini kaybetti\u011fi, ipotekli daire al\u0131c\u0131s\u0131n\u0131n ise sonunda bir daireye sahip oldu\u011fu iddias\u0131n\u0131 \u015fi\u015firiyor. \u015eu s\u00f6z\u00fc hat\u0131rlamak \u00f6nemli <\/b>Hi\u00e7bir \u015fey<\/b> <\/b>yemekler<\/b> <\/b>\u00f6zg\u00fcr<\/b> <\/span><\/li>\n
              2. Banka, Avraham\u2019a y\u0131ll\u0131k %5 faiz oran\u0131yla (anapara bakiyesi \u00fczerinden) tam \u00f6deme talep etti\u011fi bir ipotek veriyor; t\u0131pk\u0131 ev sahibinin Benjamin\u2019e dairesini ayl\u0131k 500 dolarl\u0131k bir kira kar\u015f\u0131l\u0131\u011f\u0131nda kullanma hakk\u0131 vermesi gibi. .<\/li>\n
              3. 3 senaryoda elde etti\u011fimiz sonu\u00e7lar elbette etkileniyor <\/b>benden<\/b> <\/b>pazar<\/b> Piyasa verileri, kiran\u0131n ayda 600 dolara (500 dolar yerine) y\u00fckselece\u011fi \u015fekilde de\u011fi\u015fseydi ve tasarruf planlar\u0131na olan ilgi y\u0131ll\u0131k %4\u2019e (%5 yerine) d\u00fc\u015fseydi, sonu\u00e7lar hemen g\u00f6r\u00fclece\u011fi gibi, daireyi sat\u0131n alan \u0130brahim\u2019in lehine geli\u015fme olurdu. A\u00e7\u0131klama amac\u0131yla iki alternatife de\u011finece\u011fiz: <\/b>Veri<\/b> <\/b>Pazar<\/b> .
                \n Alternatif 1 \u2013 NIS 500. Faiz %5. Alternatif 2 \u2013 NIS 600. %4 faiz.
                \n Tablo 1 ve 2, 3 senaryonun her birinde Avraham ve Benjamin\u2019in 12 y\u0131l\u0131n sonundaki durumunu g\u00f6stermektedir.
                \n Burada: Tablo 1 \u2013 alternatif 1\u2019in piyasa verilerini ifade eder.
                \n Tablo 2 \u2013 alternatif 2\u2019nin piyasa verilerini ifade eder.\n <\/li>\n<\/ol>\n

                bir resim<\/b> <\/b>durum<\/b> <\/b>varl\u0131klar<\/b> <\/b>2<\/b> arkada\u015ftan<\/b>\u200b<\/b> <\/b>12<\/b> y\u0131l\u0131n<\/b> sonunda<\/b> .<\/b> 3 senaryonun her birinde<\/span><\/p>\n

                Tablo 1 \u2013 Piyasa verileri: Ayl\u0131k 500 NIS. Faiz oran\u0131 %5 (Alternatif 1). <\/span><\/p>\n

                \"Gen\u00e7ler<\/p>\n

                Tablo 2 \u2013 Piyasa verileri: Ayda 600$ faiz (Alternatif 2). <\/span><\/p>\n

                \"Gen\u00e7ler<\/p>\n

                \n
                \n
                \n

                Piyasa verilerinin ayl\u0131k 400 dolar, faiz oran\u0131n\u0131n ise %7 oldu\u011fu ba\u015fka bir alternatife (alternatif 3) y\u00f6nelecek olursak, 12 y\u0131l sonunda sonu\u00e7 kirac\u0131 lehine olacakt\u0131r.<\/p>\n

                \n
                \n
                \n

                Dikkate al\u0131nmas\u0131 gereken ek veriler<\/h3>\n
                  \n
                1. T\u00fcm senaryolarda daire fiyatlar\u0131n\u0131n d\u00f6nem boyunca sabit kalaca\u011f\u0131n\u0131 varsayd\u0131k ancak pratikte ge\u00e7mi\u015f daire piyasas\u0131 verilerine dayanarak reel olarak daire fiyatlar\u0131n\u0131n y\u0131lda ortalama %2 civar\u0131nda artaca\u011f\u0131n\u0131 varsaymak daha do\u011fru olur. Di\u011fer taraftan a\u015f\u0131nma, y\u0131pranma ve eskime oranlar\u0131 daire de\u011ferinden d\u00fc\u015f\u00fclmelidir.
                  \n y\u0131lda yakla\u015f\u0131k %0,75. Yani kiraya y\u0131ll\u0131k yakla\u015f\u0131k %1,25 (= 1.875 $) eklemek do\u011frudur. <\/li>\n
                2. Y\u0131ll\u0131k ortalama %1,25 oran\u0131nda art\u0131\u015f\u0131n oldu\u011funu unutmamak gerekir. Daire fiyatlar\u0131n\u0131n sert de olsa d\u00fc\u015ft\u00fc\u011f\u00fc d\u00f6nemler vard\u0131r. Daire fiyatlar\u0131n\u0131n keskin oranlarda (%5) artt\u0131\u011f\u0131 y\u0131llarla birlikte. Ayr\u0131ca herhangi bir y\u0131lda, konut piyasas\u0131n\u0131n tamam\u0131 y\u00fckselse bile fiyatlar\u0131n d\u00fc\u015ft\u00fc\u011f\u00fc alanlar vard\u0131r ve elbette bunun tersi durumlar da vard\u0131r.<\/li>\n
                3. Bir daire al\u0131p satarken, fiyat\u0131n\u0131n %3-4\u2019\u00fc aras\u0131nda de\u011fi\u015fen finansman giderleri de beraberinde gelir.<\/li>\n
                4. Daire sahibi i\u00e7in ge\u00e7erli olan cari harcamalar.<\/li>\n
                5. Arac\u0131l\u0131k \u00fccretleri. Bir dairenin al\u0131c\u0131s\u0131 ve sat\u0131c\u0131s\u0131 daire de\u011ferinin %1 ila 2\u2019si aras\u0131nda bir miktar \u00f6derken, daire kirac\u0131s\u0131 ilk y\u0131l ayda yakla\u015f\u0131k 600.000 \u00f6der. <\/li>\n
                6. \u0130potek yoluyla daire sat\u0131n alanlar asl\u0131nda birikimlerinin bir k\u0131sm\u0131n\u0131 veya tamam\u0131n\u0131 daireye yat\u0131r\u0131yorlar. Daireyi sat\u0131n alan ki\u015fi, dairenin de\u011ferinin y\u0131llar ge\u00e7tik\u00e7e artaca\u011f\u0131n\u0131 ve kendisine ba\u015fka yollarla elde edebilece\u011finden daha y\u00fcksek bir k\u00e2r sa\u011flayaca\u011f\u0131n\u0131 umuyor. Ancak daha y\u00fcksek kar getirecek alternatif yat\u0131r\u0131mlar kesinlikle vard\u0131r:\n
                    \n
                  1. E\u011fitime yat\u0131r\u0131m yapmak (= insan sermayesi) (kendisinin\/veya \u00e7ocuklar\u0131n\u0131n) \u0130nsan sermayesine yat\u0131r\u0131m yapman\u0131n son y\u0131llarda son derece karl\u0131 oldu\u011fu kan\u0131tlanm\u0131\u015ft\u0131r. Yazar\u0131n g\u00f6r\u00fc\u015f\u00fcne g\u00f6re zamanla apartman dairelerine yat\u0131r\u0131m yapmaktan \u00e7ok daha iyidir. Be\u015feri sermaye, \u00fccret fark\u0131n\u0131n e\u011fitimliler lehine geni\u015flemesinin ana nedenidir. <\/li>\n
                  2. Borsada i\u015flem g\u00f6ren emlak \u015firketlerine yat\u0131r\u0131m yapmak, bir dairenin al\u0131m sat\u0131m\u0131na e\u015flik eden \u00e7e\u015fitli masraflar\u0131 i\u00e7ermez.<\/li>\n
                  3. Lotlara yat\u0131r\u0131m. Genellikle daire fiyatlar\u0131 artt\u0131\u011f\u0131nda arsa fiyatlar\u0131 da daha fazla artar ve daire fiyatlar\u0131 d\u00fc\u015ft\u00fc\u011f\u00fcnde bunun tersi de ge\u00e7erlidir. <\/li>\n
                  4. \u0130\u015fe yat\u0131r\u0131m.<\/li>\n
                  5. Bir tasarruf plan\u0131na yat\u0131r\u0131m.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n
                    \n
                    \n
                    \n

                    Bir daire sahibi olman\u0131n finansal olmayan hususlar\u0131<\/h3>\n

                    i\u00e7in:<\/h4>\n
                      \n
                    • Kendinizi g\u00fcvende hissettiniz. \u00dczerinizde bir \u00e7at\u0131 var. <\/li>\n
                    • Zevkinize uygun i\u00e7 tasar\u0131m \u2013 kirac\u0131lar i\u00e7in genellikle dairenin tasar\u0131m\u0131na b\u00fcy\u00fck mebla\u011flar yat\u0131rmaya de\u011fmez.<\/li>\n<\/ul>\n

                      ayk\u0131r\u0131:<\/h4>\n
                        \n
                      • A\u015f\u0131r\u0131 kalabal\u0131k, i\u015f yeri de\u011fi\u015fikli\u011fi, ortam de\u011fi\u015fikli\u011fi vb. nedenlerden dolay\u0131 s\u0131k s\u0131k daire de\u011fi\u015ftirme ihtiyac\u0131. G\u00fcn\u00fcm\u00fczde ortalama bir daire 8-10 y\u0131lda bir de\u011fi\u015ftirilmektedir. <\/li>\n
                      • Her daire de\u011fi\u015fikli\u011fi (sat\u0131\u015f + sat\u0131n alma), de\u011ferinin yakla\u015f\u0131k %-6% ula\u015fan harcamalar\u0131 i\u00e7erir.<\/li>\n<\/ul>\n<\/div>\n
                        \n

                        Ve sonu\u00e7land\u0131rmak i\u00e7in<\/h4>\n
                          \n
                        1. Bu b\u00f6l\u00fcm\u00fcn amac\u0131 yaln\u0131zca mali a\u00e7\u0131dan bak\u0131ld\u0131\u011f\u0131nda bir daire sat\u0131n alman\u0131n her hal\u00fckarda bir daire kiralamaktan daha iyi olmad\u0131\u011f\u0131n\u0131 a\u00e7\u0131kl\u0131\u011fa kavu\u015fturmakt\u0131. \u00d6yle oldu\u011fu durumlar var, olmad\u0131\u011f\u0131 durumlar da var. <\/li>\n
                        2. Bir\u00e7ok insan i\u00e7in daire sat\u0131n almak hayatlar\u0131nda yapacaklar\u0131 en \u00f6nemli i\u015flemdir. Sat\u0131n alman\u0131n bir veya iki nesil sonraki ya\u015famlar\u0131 \u00fczerindeki etkilerini ve sonu\u00e7lar\u0131n\u0131 dikkatle incelemeleri arzu edilir. <\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

                          \u00c7o\u011fu zaman gen\u00e7 \u00e7iftlerden ve ayr\u0131ca ebeveynlerinden \u015fu iddiay\u0131 duyma f\u0131rsat\u0131m oluyor: Bir daire kiralad\u0131\u011f\u0131n\u0131zda paradan hi\u00e7bir \u015fey kalmaz, ipotekli bir daire sat\u0131n ald\u0131\u011f\u0131n\u0131zda ise paradan hi\u00e7bir \u015fey kalmaz. bir daire. Bu elbette tamamen yanl\u0131\u015f bir iddiad\u0131r. Bu b\u00f6l\u00fcmde nedenini a\u00e7\u0131klayaca\u011f\u0131z. Ancak bu a\u015famada zaten bir daire sat\u0131n alma veya kiralama karar\u0131n\u0131n hem ekonomik hem […]<\/p>\n","protected":false},"author":9274,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16532],"tags":[],"course-author":[],"course-level":[],"course-type":[],"class_list":["post-281674","post","type-post","status-publish","format-standard","hentry","category-varyans"],"acf":[],"_links":{"self":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/281674","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/users\/9274"}],"replies":[{"embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/comments?post=281674"}],"version-history":[{"count":0,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/281674\/revisions"}],"wp:attachment":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/media?parent=281674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/categories?post=281674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/tags?post=281674"},{"taxonomy":"course-author","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-author?post=281674"},{"taxonomy":"course-level","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-level?post=281674"},{"taxonomy":"course-type","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/course-type?post=281674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}