{"id":281679,"date":"2024-12-23T02:54:15","date_gmt":"2024-12-23T02:54:15","guid":{"rendered":"https:\/\/gfssite.local\/bir-daire-satin-almak-mi-yoksa-kiralamak-mi\/"},"modified":"2024-12-23T02:54:15","modified_gmt":"2024-12-23T02:54:15","slug":"bir-daire-satin-almak-mi-yoksa-kiralamak-mi","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/tr\/bir-daire-satin-almak-mi-yoksa-kiralamak-mi\/","title":{"rendered":"Bir daire sat\u0131n almak m\u0131 yoksa kiralamak m\u0131?"},"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

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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$<\/b> ‘a sat\u0131l\u0131k, di\u011feri ayl\u0131k 500$’<\/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’\u0131n<\/b> ald\u0131\u011f\u0131 ipotek miktar\u0131 a\u00e7\u0131s\u0131ndan birbirinden farkl\u0131l\u0131k g\u00f6steriyor: <\/span><\/p>\n

Senaryo 1’de- <\/b>Avraham<\/b> 150 K$ tutar\u0131nda bir ipotek al\u0131yor ve orijinal birikimlerin tamam\u0131 bankada kal\u0131yor. senaryo 2’de – <\/b>Avraham<\/b> 100 bin dolar tutar\u0131nda ipotek al\u0131yor ve orijinal birikimden 50 bin dolar \u00f6d\u00fcyor. senaryo 3’te- <\/b>Avraham<\/b> 50 bin dolar tutar\u0131nda ipotek al\u0131yor ve orijinal birikimlerden 100 bin dolar \u00f6d\u00fcyor. <\/span><\/p>\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":{"footnotes":""},"categories":[16532],"tags":[],"class_list":["post-281679","post","type-post","status-publish","format-standard","hentry","category-varyans"],"_links":{"self":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/281679","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=281679"}],"version-history":[{"count":0,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/posts\/281679\/revisions"}],"wp:attachment":[{"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/media?parent=281679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/categories?post=281679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/globalfinanceschool.com\/tr\/wp-json\/wp\/v2\/tags?post=281679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}