{"id":40884,"date":"2022-11-02T10:50:23","date_gmt":"2022-11-02T07:50:23","guid":{"rendered":"https:\/\/emlaktuel.com\/?p=40884"},"modified":"2022-11-02T10:50:23","modified_gmt":"2022-11-02T07:50:23","slug":"eyup-akbal-tasarruf-finansman-sektorunun-finans-pastasindaki-payini-artirmayi-hedefliyoruz","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=40884","title":{"rendered":"Ey\u00fcp Akbal: \u201cTasarruf finansman sekt\u00f6r\u00fcn\u00fcn finans pastas\u0131ndaki pay\u0131n\u0131 art\u0131rmay\u0131 hedefliyoruz\u201d"},"content":{"rendered":"<p><strong>Fuzul Tasarruf Finansman A\u015e Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ey\u00fcp Akbal, tasarruf finansman sekt\u00f6r\u00fc \u00e7ekili\u015fli sistem s\u00f6zle\u015fmelerindeki 1 milyon TL \u00fcst limitin, g\u00fcn\u00fcm\u00fcz konut fiyatlar\u0131 g\u00f6z \u00f6n\u00fcne al\u0131narak revize edilmesi gerekti\u011fi a\u00e7\u0131klamas\u0131nda bulundu.<\/strong><\/p>\n<p>30 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir, \u00f6zellikle dar gelirli ki\u015filerin tasarrufa dayal\u0131 ev, otomobil ve ticari i\u015f yeri edinimine finans sa\u011flayan tasarruf finansman sekt\u00f6r\u00fc, 31 Ekim tarihinde ger\u00e7ekle\u015ftirilen 2. Finans\u0131n Gelece\u011fi Zirvesi\u2019nde masaya yat\u0131r\u0131ld\u0131. T.C. Hazine ve Maliye Bakan\u0131 Nureddin Nebati, BDDK Ba\u015fkan\u0131 Mehmet Ali Akben, SPK Ba\u015fkan\u0131 \u0130brahim \u00d6mer G\u00f6n\u00fcl, SEDDK Ba\u015fkan\u0131 Mehmet Akif Ero\u011flu, FKB Ba\u015fkan\u0131 Ali Emre Ball\u0131 ve Fuzul Tasarruf Finansman A\u015e Y\u00f6netim Kurulu Ba\u015fkan\u0131 ve FKB Tasarruf Finansman Sekt\u00f6r Kurulu Ba\u015fkan\u0131 Ey\u00fcp Akbal\u2019\u0131n yan\u0131 s\u0131ra bankac\u0131l\u0131k ve finans sekt\u00f6r\u00fcn\u00fcn \u00f6nemli temsilcilerinin kat\u0131ld\u0131\u011f\u0131 zirvede, finans\u0131n d\u00fcn\u00fc, bug\u00fcn\u00fc ve gelece\u011fi alan\u0131nda uzman isimlerce ele al\u0131nd\u0131. Zirvede sekt\u00f6r\u00fcn beklenti ve taleplerini, s\u00f6zle\u015fme limitlerinden, kamu desteklerine kadar bir\u00e7ok konuyu dile getiren&nbsp;<strong>Ey\u00fcp Akbal<\/strong>, tasarruf finansman sekt\u00f6r\u00fcn\u00fcn finans pastas\u0131ndaki pay\u0131n\u0131 art\u0131rmay\u0131 hedeflediklerini kaydetti.&nbsp;<\/p>\n<h2><strong>Arsa, mal ve hizmetler sisteme eklenmeli&nbsp;<\/strong><\/h2>\n<p>Tasarruf finansman \u015firketlerinin sekt\u00f6r temsil kurulu toplant\u0131s\u0131nda g\u00fcndeme gelen y\u00f6netmelik ve kanunu geli\u015ftirmeye y\u00f6nelik tavsiye karar\u0131ndan zirvede bahseden&nbsp;<strong>Akbal<\/strong>; \u201c\u00c7ekili\u015fli sistem s\u00f6zle\u015fmelerindeki 1 milyon TL \u00fcst s\u0131n\u0131r, g\u00fcn\u00fcm\u00fczdeki konut fiyatlar\u0131 g\u00f6z \u00f6n\u00fcnde bulundurularak 10 milyon TL olarak revize edilmesini bekliyoruz. Y\u00f6netmelikle s\u0131n\u0131rland\u0131r\u0131lan 1 milyon TL ve \u00fczeri s\u00f6zle\u015fme tutar\u0131 genel s\u00f6zle\u015fme tutarlar\u0131n\u0131n y\u00fczde 15\u2019ini ge\u00e7emez maddesi, 10 milyon TL olarak de\u011fi\u015ftirilmesi t\u00fcm taraflar i\u00e7in faydal\u0131 olacak. Sonraki y\u0131llarda ise bu limitler ge\u00e7mi\u015f y\u0131l\u0131n enflasyon rakamlar\u0131yla otomatik olarak g\u00fcncellenebilir. Bireysel s\u00f6zle\u015fmelerde teslimat i\u00e7in tasarruf tutar\u0131n\u0131n y\u00fczde 40\u2019a ve toplam vadenin 5\u2019te 2 oran\u0131na ula\u015fmas\u0131 gerekiyor. Bireysel s\u00f6zle\u015fmelerde sisteme pe\u015finatl\u0131 giren m\u00fc\u015fterilerimizin tahsisat zaman\u0131 geldi\u011finde verdi\u011fi pe\u015finat oran\u0131nda teslim tarihinin geri \u00e7ekilmesi, \u00e7ekili\u015fli sistemlere de eklenebilmelidir. Alt\u0131n, enflasyon veya konut endeksli kampanya modellerinin de \u00f6n\u00fc a\u00e7\u0131labilir, ayr\u0131ca tasarruf fon havuzunun alt\u0131n veya kur korumal\u0131 hesaplarda tutulmas\u0131 alternatifleri de sa\u011flanabilmelidir. Y\u00f6netmelikte bulunan konut ve \u00e7at\u0131l\u0131 i\u015f yeri finansman d\u00f6nemi 120 aydan 180 aya, ara\u00e7 finansman\u0131 ise 60 aydan 100 aya \u00e7\u0131kar\u0131lmas\u0131 tasarruf taban\u0131n\u0131 art\u0131racakt\u0131r. Tasarruf finansman firmalar\u0131n\u0131n finansman sa\u011flad\u0131\u011f\u0131 konut, ara\u00e7, \u00e7at\u0131l\u0131 i\u015f yeri ile s\u0131n\u0131rl\u0131 olan \u00fcr\u00fcnlere; arsa ve BDDK\u2019n\u0131n uygun g\u00f6rece\u011fi mal veya hizmetlerin ediniminin de eklemesi ile ilgili kanun de\u011fi\u015fikli\u011fine ihtiya\u00e7 duyuluyor\u201d \u015feklinde konu\u015ftu.<\/p>\n<h2><strong>Sekt\u00f6r BES\u2019e sa\u011flanan destek ve te\u015fvikin bir benzerinin uygulanmas\u0131n\u0131 istiyor &nbsp;&nbsp;<\/strong><\/h2>\n<p>Sekt\u00f6r\u00fcn, birikim sahiplerine yaln\u0131zca ev, ta\u015f\u0131t ve \u00e7at\u0131l\u0131 i\u015f yeri i\u00e7in finansman sa\u011flad\u0131\u011f\u0131n\u0131, hizmet verilen alan\u0131n dar oldu\u011funu s\u00f6yleyen&nbsp;<strong>Akbal<\/strong>, \u201cSekt\u00f6r temsilcileri olarak yeni \u00fcr\u00fcn ve paketleri de sistemin i\u00e7ine d\u00e2hil etmek istiyoruz. K\u00fc\u00e7\u00fck \u00e7apl\u0131 birikimlerin ekonomiye kazand\u0131r\u0131lmas\u0131na y\u00f6nelik \u00e7eyiz, e\u011fitim, tatil ve hac-umre paketleri haz\u0131rlanabilir. Bireysel Emeklilik Sistemi, di\u011fer yat\u0131r\u0131m ara\u00e7lar\u0131ndan farkl\u0131 olarak devlet katk\u0131s\u0131yla da destekleniyor. BES\u2019e d\u00e2hil olan tasarruf sahiplerine, yat\u0131rd\u0131klar\u0131 100 TL\u2019ye devlet taraf\u0131ndan y\u00fczde 30 katk\u0131 sunuluyor. BES\u2019te y\u00fcr\u00fct\u00fclen destek ve te\u015fvikin bir benzerinin konut ediniminde sekt\u00f6r\u00fcm\u00fcze uygulanmas\u0131n\u0131 temenni ediyoruz\u201d a\u00e7\u0131klamalar\u0131nda bulundu.<\/p>\n<h2><strong>Sekt\u00f6r, gelir da\u011f\u0131l\u0131m\u0131 piramidinin taban\u0131ndaki y\u00fczde 80\u2019ini hedefliyor<\/strong><\/h2>\n<p>Temmuz 2022 itibar\u0131yla sekt\u00f6rde 6 \u015firketin 416 \u015fube, 4 bin 700\u2019\u00fc a\u015fk\u0131n \u00e7al\u0131\u015fan ile hizmet verdi\u011fini kaydeden&nbsp;<strong>Akbal<\/strong>, \u201cSekt\u00f6r\u00fcm\u00fcz bug\u00fcn itibar\u0131yla 13 milyar TL aktif b\u00fcy\u00fckl\u00fc\u011fe sahip. Tasarruf d\u00f6neminde 230 binden fazla m\u00fc\u015fterinin 53 milyar TL tutar\u0131nda s\u00f6zle\u015fmesi bulunuyor. S\u00f6z konusu d\u00f6nemde 131 bin m\u00fc\u015fteriye 19 milyar TL finansman sa\u011fland\u0131. Sekt\u00f6r her y\u0131l \u00fcst\u00fcne katarak, yeni m\u00fc\u015fteriler edinerek aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcn\u00fc geli\u015ftirerek yoluna devam ediyor. Sekt\u00f6r\u00fcm\u00fcz 30 y\u0131ll\u0131k ge\u00e7mi\u015finde ekonomik manada bir\u00e7ok olumsuzluklarla kar\u015f\u0131la\u015ft\u0131. Bir\u00e7ok enflasyonist durumla m\u00fccadele etti ve bug\u00fcnlere gelene kadar bu y\u00f6ndeki kaslar\u0131n\u0131 geli\u015ftirdi. Dolay\u0131s\u0131yla sekt\u00f6r, \u00f6n\u00fcm\u00fczdeki s\u00fcre\u00e7te daha da b\u00fcy\u00fcyecektir. Sekt\u00f6r, gelir da\u011f\u0131l\u0131m\u0131 piramidinin taban\u0131ndaki y\u00fczde 80\u2019ini hedefliyor\u201d dedi.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Sosyal konut hamlelerinde sekt\u00f6r temsilcileriyle ad\u0131mlar at\u0131labilir&nbsp;<\/strong><\/h2>\n<p>T\u00fcrkiye\u2019de y\u0131ll\u0131k ortalama konut ihtiyac\u0131n\u0131n 1 milyon oldu\u011funu s\u00f6zlerine ekleyen&nbsp;<strong>Akbal<\/strong>&nbsp;s\u00f6zlerine \u015f\u00f6yle devam etti: \u201c2021 Aral\u0131k ay\u0131 itibar\u0131yla \u00fclkemizde ba\u015flayan ekonomik dalgalanmalarla konut \u00fcretim maliyetleri artt\u0131. Dolay\u0131s\u0131yla konut \u00fcretiminde daralma meydana geldi. H\u00fck\u00fbmetimizin Sosyal Konut Hamlesi ise bu olumsuz d\u00f6neme merhem oldu. Eyl\u00fcl ay\u0131nda ba\u015flat\u0131lan Sosyal Konut Hamlesi\u2019ne yap\u0131lan ba\u015fvurular\u0131n 8 milyonu a\u015ft\u0131\u011f\u0131 konu\u015fuluyor. Konut ba\u015fvurular\u0131 bu denli ciddi bir say\u0131ya ula\u015fm\u0131\u015fken sekt\u00f6r\u00fcm\u00fcz\u00fcn \u00f6nemi bir kez daha g\u00fcn y\u00fcz\u00fcne \u00e7\u0131kt\u0131. Bu ba\u011flamda da sekt\u00f6r\u00fcn b\u00fcy\u00fcmesi ad\u0131na devletimizin sosyal konut projelerine a\u011f\u0131rl\u0131k vermesi \u00e7ok \u00f6nemli. Bu ve buna benzer projelerde tasarruf finansman sekt\u00f6r\u00fcn\u00fcn temsilcileriyle birlikte ad\u0131mlar at\u0131labilir\u201d diye konu\u015ftu.&nbsp;<\/p>\n<p><strong>&nbsp;<\/strong><\/p>\n<h2><strong>\u201cTasarruf Finans Akademisi kurulmas\u0131 ad\u0131na \u00e7al\u0131\u015fmalar\u0131m\u0131za ba\u015flad\u0131k\u201d<\/strong><\/h2>\n<p>\u201cSekt\u00f6r\u00fcn akademik alanda g\u00fc\u00e7lendirilmesi ad\u0131na \u00fcniversite sekt\u00f6r i\u015f birli\u011fine \u00f6nem veriyoruz\u201d diyen&nbsp;<strong>Akbal<\/strong>, s\u00f6zlerini \u015fu \u015fekilde tamamlad\u0131: \u201cTasarruf Finans Akademisi kurulmas\u0131 i\u00e7in \u00e7al\u0131\u015fmalar\u0131m\u0131za ba\u015flad\u0131k. Faizsiz finansman alan\u0131nda \u00e7al\u0131\u015fmalar y\u00fcr\u00fcten \u00fcniversitelerimiz ile yak\u0131n temas h\u00e2lindeyiz. Bu alandaki bilgi birikimimizi ve tecr\u00fcbelerimizi, akademik bak\u0131\u015f a\u00e7\u0131s\u0131yla kamuoyuna duyurmak istiyoruz.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fuzul Tasarruf Finansman A\u015e Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ey\u00fcp Akbal, tasarruf finansman sekt\u00f6r\u00fc \u00e7ekili\u015fli sistem s\u00f6zle\u015fmelerindeki 1 milyon TL \u00fcst limitin, g\u00fcn\u00fcm\u00fcz konut fiyatlar\u0131 g\u00f6z \u00f6n\u00fcne al\u0131narak revize edilmesi gerekti\u011fi a\u00e7\u0131klamas\u0131nda bulundu. 30 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir, \u00f6zellikle dar gelirli ki\u015filerin tasarrufa dayal\u0131 ev, otomobil ve ticari i\u015f yeri edinimine finans sa\u011flayan tasarruf finansman sekt\u00f6r\u00fc, 31 Ekim [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":40606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[5388],"tags":[2995,16574],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/40884"}],"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=40884"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/40884\/revisions"}],"predecessor-version":[{"id":40885,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/40884\/revisions\/40885"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/40606"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=40884"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=40884"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=40884"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}