T\u00fcrkiye Emlak Kat\u0131l\u0131m Bankas\u0131, kentsel d\u00f6n\u00fc\u015f\u00fcm ile riskli yap\u0131larda veya riskli alanlarda ikamet eden kat maliklerinin daha sa\u011flam ve modern binalarda oturmalar\u0131n\u0131 sa\u011flamak i\u00e7in yeni finansman \u00e7\u00f6z\u00fcmleri geli\u015ftirdi. Emlak Kat\u0131l\u0131m, can ve mal g\u00fcvenli\u011fini tehdit eden g\u00fc\u00e7lendirmeye uygun yap\u0131lar\u0131n g\u00fc\u00e7lendirilmesine y\u00f6nelik veya g\u00fc\u00e7lendirmeye uygun olmayan yap\u0131lar\u0131n y\u0131k\u0131l\u0131p yeniden yap\u0131lmas\u0131na y\u00f6nelik finansman \u00e7\u00f6z\u00fcmlerini m\u00fc\u015fterilerinin hizmetine sundu.
\nT\u00fcrkiye\u2019nin \u00f6nemli bir deprem ku\u015fa\u011f\u0131nda olmas\u0131ndan dolay\u0131 riskli yap\u0131lar\u0131n acil d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fcn h\u0131zl\u0131ca ger\u00e7ekle\u015fmesi i\u00e7in gereken deste\u011fi en azami d\u00fczeyde sa\u011flamaya \u00e7al\u0131\u015fan Emlak Kat\u0131l\u0131m, kentsel d\u00f6n\u00fc\u015f\u00fcme y\u00f6nelik yeni finansman \u00e7\u00f6z\u00fcmleri sunmas\u0131n\u0131n yan\u0131 s\u0131ra vatanda\u015f ve m\u00fcteahhit aras\u0131nda ya\u015fanacak muhtemel anla\u015fmazl\u0131klar\u0131n \u00f6n\u00fcne ge\u00e7erek taraflara g\u00fcven verecek yeni finansman \u00e7\u00f6z\u00fcmlerini geli\u015ftirerek m\u00fc\u015fterilerinin hizmetine sundu.
\nEmlak Kat\u0131l\u0131m geli\u015ftirdi\u011fi kentsel d\u00f6n\u00fc\u015f\u00fcm finansman\u0131 \u00e7\u00f6z\u00fcmleri ile\u00a0kat maliklerinin Kentsel D\u00f6n\u00fc\u015f\u00fcm Finansman ihtiya\u00e7lar\u0131n\u0131n kar\u015f\u0131lanmas\u0131 ve taraflar\u0131n hak ve menfaatlerinin korunmas\u0131 amac\u0131 ile binan\u0131n yeniden g\u00fc\u00e7lendirilmesinin\/in\u015fas\u0131n\u0131n g\u00fcvenle tamamlanmas\u0131 hedeflenmektedir.
\nD\u00f6rt farkl\u0131 i\u015f modeli tasarland\u0131
\nG\u00fc\u00e7lendirme, Yerinde Birebir D\u00f6n\u00fc\u015f\u00fcm (Emsal Art\u0131\u015f\u0131 Olmayan), Yerinde D\u00f6n\u00fc\u015f\u00fcm (Emsal Art\u0131\u015f\u0131 Olan) ve Alansal D\u00f6n\u00fc\u015f\u00fcm olmak \u00fczere 4 adet i\u015f modeli tasarlayan Emlak Kat\u0131l\u0131m, her 4 modelde de kat maliklerine 120 aya kadar finansman kulland\u0131r\u0131labilmektedir.
\nG\u00fc\u00e7lendirme Modeli
\nRiskli yap\u0131larda uygulan\u0131r,
\nMevcut binan\u0131n y\u0131k\u0131lmadan g\u00fc\u00e7lendirme y\u00f6ntemleriyle g\u00fc\u00e7lendirilmesidir,
\nG\u00fc\u00e7lendirme maliyeti kat maliklerince finanse edilir,
\nKat malikleri taraf\u0131ndan yap\u0131lan pe\u015fin \u00f6demeler\/pe\u015finatlar ve Emlak Kat\u0131l\u0131m taraf\u0131ndan kulland\u0131r\u0131lan finansmanlar m\u00fcteahhitin Emlak Kat\u0131l\u0131m\u2019a rehinli bloke hesab\u0131nda toplan\u0131r ve Emlak Kat\u0131l\u0131m taraf\u0131ndan ilerlemeye ba\u011fl\u0131 hakkedi\u015f usul\u00fc serbest b\u0131rak\u0131l\u0131r.<\/p>\n
Yerinde Birebir D\u00f6n\u00fc\u015f\u00fcm Modeli (Emsal Art\u0131\u015f\u0131 Olmayan)
\nRiskli yap\u0131larda uygulan\u0131r,
\n\u0130lave emsal art\u0131\u015f\u0131 olmadan mevcut binan\u0131n y\u0131k\u0131l\u0131p yeniden in\u015faas\u0131d\u0131r,
\nProje yap\u0131m maliyeti kat maliklerince finanse edilir,
\nKat malikleri taraf\u0131ndan yap\u0131lan pe\u015fin \u00f6demeler\/pe\u015finatlar ve Emlak Kat\u0131l\u0131m taraf\u0131ndan kulland\u0131r\u0131lan finansmanlar m\u00fcteahhitin Emlak Kat\u0131l\u0131m\u2019a rehinli bloke hesab\u0131nda toplan\u0131r ve Emlak Kat\u0131l\u0131m taraf\u0131ndan ilerlemeye ba\u011fl\u0131 hakkedi\u015f usul\u00fc serbest b\u0131rak\u0131l\u0131r.<\/p>\n
Yerinde D\u00f6n\u00fc\u015f\u00fcm (Emsal Art\u0131\u015f\u0131 Olan);
\nRiskli yap\u0131larda uygulan\u0131r,
\n\u0130lave emsal art\u0131\u015f\u0131 olan binalarda mevcut binan\u0131n y\u0131k\u0131l\u0131p al\u0131nan ilave emsal art\u0131\u015f\u0131 ile yeniden in\u015faas\u0131d\u0131r,
\nProje yap\u0131m maliyetinin bir k\u0131sm\u0131n\u0131 kat malikleri \u00fcstlenir, kalan maliyeti m\u00fcteahhit finanse eder.<\/p>\n
Alansal D\u00f6n\u00fc\u015f\u00fcm;
\nRiskli alanlarda uygulan\u0131r,
\nKat malikleri ile m\u00fcteahhidin anla\u015fma t\u00fcr\u00fcne g\u00f6re finansman yap\u0131s\u0131 belirlenir.
\nAyr\u0131ca kat maliklerinin Emlak Kat\u0131l\u0131m\u2019dan kullanaca\u011f\u0131 kentsel d\u00f6n\u00fc\u015f\u00fcm finansmanlar\u0131nda, konut i\u00e7in azami 200 bin TL ve g\u00fc\u00e7lendirme i\u00e7in azami 80 bin TL olmak \u00fczere 120 ay vadeye kadar ve y\u0131ll\u0131k kar pay\u0131 oran\u0131 \u00fczerinden 400 baz puan devlet deste\u011finden faydalanabilmektedir.<\/p>\n
Finansman T\u00fcr\u00fc
\nFinansman Deste\u011fi Oran\u0131 (Y\u0131ll\u0131k Kar Pay\u0131 Oran\u0131 \u00dczerinden)*
\nAzami Vade
\nFinansman \u00dcst Limiti**<\/p>\n
1
\nG\u00fc\u00e7lendirme Finansman\u0131
\n400 baz puan
\n10 y\u0131l
\n80.000 TL<\/p>\n
2
\nKonut Yap\u0131m Finansman\u0131
\n400 baz puan
\n10 y\u0131l
\n200.000 TL<\/p>\n
3
\nKonut Edinme Finansman\u0131
\n400 baz puan
\n10 y\u0131l
\n200.000 TL<\/p>\n
4
\n\u0130\u015fyeri Yap\u0131m Finansman\u0131
\n300 baz puan
\n7 y\u0131l
\n200.000 TL<\/p>\n
5
\n\u0130\u015fyeri Edinme Finansman\u0131
\n300 baz puan
\n7 y\u0131l
\n200.000 TL<\/p>\n
* 5\/12\/2008 tarihli ve 27075 say\u0131l\u0131 Resmi Gazete\u2019de yay\u0131mlanan Binalarda Enerji Performans\u0131 Y\u00f6netmeli\u011fi kapsam\u0131nda B s\u0131n\u0131f\u0131 Enerji Kimlik Belgesine sahip binalar
\ni\u00e7in 50 baz puan; A s\u0131n\u0131f\u0131 Enerji Kimlik Belgesine sahip binalar i\u00e7in ise 100 baz puan art\u0131r\u0131larak uygulan\u0131r.
\n**Bir hak sahibi ad\u0131na kar pay\u0131 deste\u011fi sa\u011flanacak toplam finansman tutar\u0131 1.000.000 TL\u2019yi ge\u00e7emez.<\/p>\n
EmlakKat\u0131l\u0131mKentselDonusum4<\/p>\n
<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Emlak Kat\u0131l\u0131m Bankas\u0131, kentsel d\u00f6n\u00fc\u015f\u00fcm ile riskli yap\u0131larda veya riskli alanlarda ikamet eden kat maliklerinin daha sa\u011flam ve modern binalarda oturmalar\u0131n\u0131 sa\u011flamak i\u00e7in yeni finansman \u00e7\u00f6z\u00fcmleri geli\u015ftirdi. Emlak Kat\u0131l\u0131m, can ve mal g\u00fcvenli\u011fini tehdit eden g\u00fc\u00e7lendirmeye uygun yap\u0131lar\u0131n g\u00fc\u00e7lendirilmesine y\u00f6nelik veya g\u00fc\u00e7lendirmeye uygun olmayan yap\u0131lar\u0131n y\u0131k\u0131l\u0131p yeniden yap\u0131lmas\u0131na y\u00f6nelik finansman \u00e7\u00f6z\u00fcmlerini m\u00fc\u015fterilerinin hizmetine sundu. […]<\/p>\n","protected":false},"author":1,"featured_media":34748,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[15001,14744,88],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/34745"}],"collection":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=34745"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/34745\/revisions"}],"predecessor-version":[{"id":34749,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/34745\/revisions\/34749"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/34748"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34745"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34745"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34745"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}