Konut edindirmede alternatif model aray\u0131\u015f\u0131na giren T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc, \u00f6zellikle alt gelir grubuna hitap eden Almanya’n\u0131n “Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131” modelini g\u00fcndemine ald\u0131<\/p>\n
H\u00fck\u00fcmetin tasarruflar\u0131n art\u0131r\u0131lmas\u0131na y\u00f6nelik \u00e7al\u0131\u015fmalar\u0131 kapsam\u0131nda, konut edindirmede alternatif model aray\u0131\u015f\u0131na giren T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc, Almanya’dan d\u00fcnyaya yay\u0131lan ve \u00f6zellikle alt gelir grubunu hedefleyen “Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131’n\u0131” mercek alt\u0131na ald\u0131.<\/p>\n
AA muhabirinin edindi\u011fi bilgiye g\u00f6re, \u00f6neri \u00fczerine yeniden T\u00fcrkiye’nin g\u00fcndemine giren Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131 modeli ile ilgili \u00e7al\u0131\u015fmalar T\u00fcrkiye Bankalar Birli\u011fi (TBB) \u00c7al\u0131\u015fma Grubu b\u00fcnyesinde devam ederken, ilgili bakanl\u0131klar ile Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu da (BDDK) yasal \u00e7er\u00e7evesine ili\u015fkin di\u011fer \u00e7al\u0131\u015fmalar\u0131 y\u00fcr\u00fct\u00fcyor.<\/p>\n
\u0130stanbul’da ge\u00e7en hafta Fikir Sofras\u0131 D\u00fc\u015f\u00fcnce Platformu’nun baz\u0131 bakanlar\u0131n kat\u0131l\u0131m\u0131yla d\u00fczenledi\u011fi “Yeni T\u00fcrkiye ve Ekonomide G\u00fc\u00e7l\u00fc Kalk\u0131nma Modeli \u00c7al\u0131\u015ftay\u0131”n\u0131n bas\u0131na kapal\u0131 b\u00f6l\u00fcm\u00fcnde ele al\u0131nan modelin, h\u00fck\u00fcmetin de g\u00fcndeminde bulundu\u011fu ve bu konuda ad\u0131mlar at\u0131lmas\u0131n\u0131 bekledi\u011fi \u00f6\u011frenildi.<\/p>\n
“Yeni T\u00fcrkiye ve Ekonomide G\u00fc\u00e7l\u00fc Kalk\u0131nma Modeli \u00c7al\u0131\u015ftay\u0131”nda \u00f6neriyi dile getiren, Almanya’da \u00f6zellikle mortgage alan\u0131nda “en b\u00fcy\u00fckler” aras\u0131nda yer alan ve T\u00fcrkiye’de de temsilcili\u011fi bulunan DZ Bank’\u0131n T\u00fcrkiye Ba\u015f Temsilcisi P\u0131nar Ersoy, Almanya’da yayg\u0131n olan ve d\u00fcnyan\u0131n farkl\u0131 \u00fclkelerinde uygulanan Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131’n\u0131n i\u015fleyi\u015fine y\u00f6nelik bilgi verdi.<\/p>\n
Sand\u0131\u011f\u0131n yasal bir \u00e7er\u00e7evesi bulundu\u011funu ve \u015firketin bu \u00e7er\u00e7evede kuruldu\u011funu anlatan Ersoy, herkesin bu sisteme giri\u015f yaparak para biriktirebildi\u011fini s\u00f6yledi.<\/p>\n
Ersoy, sistemin mortgage alternatifi de\u011fil, destek \u00fcr\u00fcn\u00fc oldu\u011funu belirterek, \u015funlar\u0131 kaydetti:<\/p>\n
“Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131, dar gelirli vatanda\u015flara \u00f6z kaynak sa\u011flama amac\u0131yla kurgulanm\u0131\u015f. Bu bir anlamda sosyal devlet politikas\u0131. Buradaki avantaj \u015fu; siz bug\u00fcn sisteme giri\u015f yaparken diyorsunuz ki ‘Ben 3 y\u0131lda 30 bin lira para biriktiririm’. Sistem de size 3 y\u0131l\u0131n sonunda 30 bin lira daha kredi vermeyi garanti ediyor ve b\u00f6ylece 60 bin lira paran\u0131z oluyor. Sisteme giri\u015f yapaca\u011f\u0131n\u0131z g\u00fcn imzalayaca\u011f\u0131n\u0131z anla\u015fmada, sistem kapsam\u0131nda sizin 3 y\u0131l sonra kullanaca\u011f\u0131n\u0131z faiz oran\u0131 da belirtiliyor ve bu oran piyasan\u0131n alt\u0131nda oluyor. Bu s\u00fcre i\u00e7erisinde piyasa faiz oran\u0131 de\u011fi\u015fse de sistem size sundu\u011fu faiz oran\u0131n\u0131 hi\u00e7bir \u015fekilde de\u011fi\u015ftirmiyor.”<\/p>\n
Sistemin, paras\u0131n\u0131 biriktiren vatanda\u015fa piyasan\u0131n alt\u0131nda mevduat faizi sundu\u011funu, bu faiz oran\u0131n kredinin uygun maliyetli verilmesinden dolay\u0131 piyasan\u0131n alt\u0131nda tutuldu\u011funu aktaran Ersoy, “Bu s\u00fcre i\u00e7erisinde piyasada kredi faiz oranlar\u0131 d\u00fc\u015ferse sizin t\u00fcketici olarak bunu de\u011fi\u015ftirme \u015fans\u0131n\u0131z var. Ancak b\u00f6yle bir durumda size verilen mevduat faizi de azalacakt\u0131r. \u0130kisi birbiriyle orant\u0131l\u0131 gidiyor. G\u00fczel yan\u0131, faiz oranlar\u0131 artarsa sistemin bunlar\u0131 yukar\u0131 do\u011fru de\u011fi\u015ftirme yetkisi yok. S\u00f6zle\u015fmeyi imzalad\u0131\u011f\u0131n\u0131z tarihte size belirtilen oran ge\u00e7erli olmaya devam ediyor.” \u015feklinde konu\u015ftu.<\/p>\n
Ersoy, Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131 sisteminde devlet katk\u0131s\u0131n\u0131n \u00f6nemli oldu\u011funa i\u015faret ederek, di\u011fer \u00fclke uygulamalar\u0131nda genellikle y\u00fczde 20’lik devlet katk\u0131s\u0131 bulundu\u011funu bildirdi.<\/p>\n
Sistemin cazip k\u0131l\u0131nmas\u0131 i\u00e7in ilk birka\u00e7 y\u0131l devlet katk\u0131s\u0131 sa\u011flanmas\u0131 gerekti\u011fini ifade eden Ersoy, “Bu destek, Almanya haricindeki \u00fclkelerde parasal katk\u0131 olarak sa\u011flan\u0131yor. Almanya\u2019da da ilk kuruldu\u011fu y\u0131llarda bu \u015fekilde olmu\u015f. Ancak refah seviyesinin y\u00fckselmesi ile birlikte bu vergi avantaj\u0131na d\u00f6n\u00fc\u015fm\u00fc\u015f. T\u00fcrkiye i\u00e7in Bireysel Emeklilik Sistemi’nde (BES) oldu\u011fu gibi, parasal katk\u0131 daha avantajl\u0131 olacakt\u0131r.” diye konu\u015ftu.<\/p>\n
Ersoy, bu yap\u0131n\u0131n kesinlikle bir banka olmad\u0131\u011f\u0131n\u0131 vurgulayarak, s\u00f6zlerini \u015f\u00f6yle s\u00fcrd\u00fcrd\u00fc:<\/p>\n
“BES’te oldu\u011fu gibi, ayr\u0131 bir yasaya tabi ba\u011f\u0131ms\u0131z bir \u015firket kurulmal\u0131d\u0131r. Yap\u0131 sand\u0131klar\u0131n\u0131n hissedar\u0131 bir banka olabilir, ancak bilan\u00e7osunun bankan\u0131n bilan\u00e7osundan ayr\u0131 olmas\u0131 \u015fartt\u0131r. \u00d6zellikle yasal \u00e7er\u00e7evenin belirlenmesi laz\u0131m ki ondan sonra \u015firketler kurulsun diye \u0131srar edilmesinin sebebi de bu. \u00c7\u00fcnk\u00fc dar gelirli vatanda\u015flar\u0131n paras\u0131n\u0131n korunmas\u0131 laz\u0131m. Bunu normal bir bankac\u0131l\u0131k \u00fcr\u00fcn\u00fc olarak kurgulad\u0131\u011f\u0131n\u0131zda bankalar\u0131n zarar etme ihtimali de var. Bunun i\u00e7in de ‘yap\u0131 tasarrufu’ ad\u0131 alt\u0131nda bir sand\u0131k kurulacak ve bu \u015firketler, bu \u00f6zel yasa \u00e7er\u00e7evesinde faaliyet g\u00f6sterebilecek. Bu \u00e7er\u00e7evede \u015fu da \u00f6ng\u00f6r\u00fcl\u00fcyor, kesinlikle bu paralar\u0131 spek\u00fclatif \u015feylerde kullanmaman\u0131z gerek. ‘Sadece hazine bonosu alabilirsin’ gibi \u00e7ok spesifik kurallar konuluyor. Yani as\u0131l ama\u00e7 zarar ettirmemek ve paray\u0131 korumak.”<\/p>\n
P\u0131nar Ersoy, “Almanya’da enflasyon d\u00fc\u015f\u00fck ama burada y\u00fcksek. Bu durum, sistemin T\u00fcrkiye’deki ba\u015far\u0131 durumunu nas\u0131l etkiler?” sorusu \u00fczerine, sistemin Macaristan, \u00c7ek Cumhuriyeti, \u00c7in ve Kazakistan gibi \u00fclkelerde de devreye girdi\u011fini hat\u0131rlatarak, bu anlamda T\u00fcrkiye ile Macaristan’\u0131n birbirine benzedi\u011fini ifade etti.<\/p>\n
Ersoy, \u015f\u00f6yle devam etti:<\/p>\n
“Orada da enflasyon y\u00fcksek. Buna kar\u015f\u0131n g\u00fcvenilirlik endeksinde yap\u0131 tasarruf sand\u0131k \u015firketleri Macaristan Merkez Bankas\u0131’ndan daha g\u00fcvenilir \u015firket se\u00e7ildi ve talep inan\u0131lmaz artt\u0131. Riskli ortamlarda da yap\u0131 tasarruf sand\u0131klar\u0131 korumac\u0131 bir sistem oldu\u011fu i\u00e7in vatanda\u015f\u0131n zarar etme ihtimali yok. Yap\u0131 tasarruflar\u0131 sand\u0131\u011f\u0131 uygulamas\u0131nda, di\u011fer \u00fclkelerde genellikle \u015fube a\u011f\u0131 yayg\u0131n yerli bankalarla ortakl\u0131k kurulmu\u015f. Bankalar\u0131n \u015fube a\u011f\u0131ndan yararlan\u0131l\u0131yor, BES gibi \u015fubeden sat\u0131\u015f olabiliyor. B\u00f6ylelikle maliyetler d\u00fc\u015f\u00fck, masraflar k\u0131s\u0131lm\u0131\u015f oluyor.”<\/p>\n
Bankac\u0131l\u0131k yetkilileri de AA muhabirine yapt\u0131\u011f\u0131 de\u011ferlendirmede, d\u00fcnyada konut edinmede yayg\u0131n olarak Avrupa tipi ve mortgageye dayal\u0131 ABD modelinin kullan\u0131ld\u0131\u011f\u0131n\u0131 ifade ederek, ABD tipi modelde, konut sahibi olmak i\u00e7in y\u00fczde 20-25 \u00f6z kaynak ve y\u00fczde 75-80 banka kredisi kullan\u0131ld\u0131\u011f\u0131n\u0131, bunlar\u0131n sermaye piyasalar\u0131nda toparlan\u0131p menkulle\u015ftirilerek sat\u0131labildi\u011fini s\u00f6yledi.<\/p>\n
Yetkililer, bu durumun bankalara \u00e7ok b\u00fcy\u00fck kald\u0131ra\u00e7 imkan\u0131 verdi\u011fini, in\u015faat ve bir\u00e7ok sekt\u00f6r\u00fc canland\u0131rd\u0131\u011f\u0131n\u0131, ancak a\u015f\u0131r\u0131ya ka\u00e7\u0131n\u0131lmas\u0131 nedeniyle subprime mortgage krizinin \u00e7\u0131kt\u0131\u011f\u0131n\u0131 anlatt\u0131.<\/p>\n
Yast\u0131k alt\u0131ndaki mevduat\u0131n bankalarda de\u011ferlendirilmesini hedefleyen Avrupa modeli ile ilgili olarak da yetkililer, “Bankada tuttu\u011fu mevduata bir s\u00fcre sonra belli bir katk\u0131 sa\u011flanarak ki\u015finin, evini belli te\u015fviklerle almas\u0131na destek olunuyor. \u0130\u00e7erideki birikimlerin, mevduat\u0131n bankalara akmas\u0131, orada birikmesini temin eden bir sistem olmas\u0131 nedeniyle daha iyi, T\u00fcrkiye\u2019ye de uygun bir model.” bilgilerini verdi.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"
Konut edindirmede alternatif model aray\u0131\u015f\u0131na giren T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc, \u00f6zellikle alt gelir grubuna hitap eden Almanya’n\u0131n “Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131” modelini g\u00fcndemine ald\u0131 H\u00fck\u00fcmetin tasarruflar\u0131n art\u0131r\u0131lmas\u0131na y\u00f6nelik \u00e7al\u0131\u015fmalar\u0131 kapsam\u0131nda, konut edindirmede alternatif model aray\u0131\u015f\u0131na giren T\u00fcrk bankac\u0131l\u0131k sekt\u00f6r\u00fc, Almanya’dan d\u00fcnyaya yay\u0131lan ve \u00f6zellikle alt gelir grubunu hedefleyen “Yap\u0131 Tasarruflar\u0131 Sand\u0131\u011f\u0131’n\u0131” mercek alt\u0131na ald\u0131. AA muhabirinin edindi\u011fi […]<\/p>\n","protected":false},"author":1,"featured_media":3840,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,27],"tags":[3196,961,11232,459,11364,3195,11417,11107,11148,80,11100,3197,316],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/5151"}],"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=5151"}],"version-history":[{"count":1,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/5151\/revisions"}],"predecessor-version":[{"id":5152,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/5151\/revisions\/5152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/media\/3840"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}