{"id":8282,"date":"2016-12-02T13:06:35","date_gmt":"2016-12-02T10:06:35","guid":{"rendered":"http:\/\/emlaktuel.com\/?p=8282"},"modified":"2018-07-05T15:21:29","modified_gmt":"2018-07-05T12:21:29","slug":"kentsel-donusum-kredisi-icin-4-onemli-adim","status":"publish","type":"post","link":"https:\/\/emlaktuel.com\/?p=8282","title":{"rendered":"Kentsel d\u00f6n\u00fc\u015f\u00fcm kredisi i\u00e7in 4 \u00f6nemli ad\u0131m!"},"content":{"rendered":"

Bankalar, kentsel d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecinde \u00f6nemli bir role sahip. Bankalar\u0131n kentsel d\u00f6n\u00fc\u015f\u00fcm ile ilgili hem hak sahipleri hem de m\u00fcteahhitler a\u00e7\u0131s\u0131ndan iki ayr\u0131 sorumluluklar\u0131 bulunuyor.<\/h1>\n
\"kentsel<\/div>\n
\n

Kentsel D\u00f6n\u00fc\u015f\u00fcm Yasas\u0131<\/strong> olarak da bilinen 6306 say\u0131l\u0131 Afet Riski Alt\u0131ndaki Alanlar\u0131n D\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi Hakk\u0131nda Kanun uyar\u0131nca; hak sahipleri, kentsel d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecine giren binalar\u0131 ile ilgili olarak bankalar\u0131ndan d\u00fc\u015f\u00fck faizli kredi kullanabiliyor. S\u00f6z konusu bankalar\u0131n, \u00c7evre ve \u015eehircilik Bakanl\u0131\u011f\u0131 ile protokol imzalayan bankalardan biri olmas\u0131 gerekiyor.<\/p>\n

Kredi kullanacak ger\u00e7ek veya t\u00fczel ki\u015filerin bankalardan kullanaca\u011f\u0131 kredilere; Hazine M\u00fcste\u015farl\u0131\u011f\u0131’n\u0131n ba\u011fl\u0131 bulundu\u011fu Bakan\u0131n teklifi \u00fczerine Bakanlar Kurulunca belirlenen oranlarda D\u00f6n\u00fc\u015f\u00fcm Projeleri \u00d6zel Hesab\u0131ndan kar\u015f\u0131lanmak \u00fczere faiz deste\u011fi verilebiliyor.<\/p>\n

Riskli yap\u0131 ruhsat\u0131 alarak hakk\u0131nda y\u0131k\u0131m karar\u0131 verilen binalar\u0131 yenilemek isi m\u00fcteahhit firmalara d\u00fc\u015f\u00fcyor. M\u00fcteahhitlerin bu s\u00fcre\u00e7te bankalar ile kesi\u015fmesi teminat mektubu a\u015famas\u0131nda ger\u00e7ekle\u015fiyor. Bankalar, m\u00fcteahhitlere teminat mektuplar\u0131n\u0131 veren arac\u0131 kurumlar olarak konumlan\u0131yor.<\/p>\n

Kentsel d\u00f6n\u00fc\u015f\u00fcm kredisi i\u00e7in 4 \u00f6nemli ad\u0131m<\/h2>\n

1) <\/b>Kredi al\u0131nacak anla\u015fmal\u0131 banka, binan\u0131n yap\u0131m ve yenilenmesinden sorumlu m\u00fcteahhidi veya m\u00fcteahhit firmay\u0131 de\u011ferlendirmeye al\u0131yor. Bankan\u0131n de\u011ferlendirme sonucuna g\u00f6re yol haritas\u0131 belirlenir. M\u00fcteahhit onaylanmazsa, banka hak sahiplerine m\u00fcteahhidin de\u011fi\u015ftirilmesini tavsiye ediyor.<\/p>\n

2) <\/b>Anla\u015fmal\u0131 bankadan onaylad\u0131\u011f\u0131 m\u00fcteahhit riskli binan\u0131n y\u0131k\u0131m\u0131n\u0131 ger\u00e7ekle\u015ftiriyor ve yeni binan\u0131n yap\u0131m\u0131na ba\u015fl\u0131yor.<\/p>\n

3) <\/b>Yeni binan\u0131n toplam i\u015fteki yap\u0131m oran\u0131 bu noktada devreye giriyor. M\u00fcteahhit s\u00f6z konusu yap\u0131m oran\u0131na g\u00f6re \u00f6deme amac\u0131yla bankaya ba\u015fvuruyor.<\/p>\n

4)<\/b> M\u00fcteahhidin ba\u015fvurusunu takiben banka ekspertizi binan\u0131n denetimini yap\u0131yor. Ard\u0131ndan i\u015fin oran\u0131na g\u00f6re m\u00fcteahhide hakedi\u015f olarak hak sahipleri ad\u0131na \u00f6deme ger\u00e7ekle\u015ftiriyor.<\/p>\n

Baz\u0131 hak sahipleri binas\u0131n\u0131 kendi yapmak istiyor<\/h2>\n

Baz\u0131 hak sahipleri binalar\u0131n\u0131 m\u00fcteahhide vermeden kendileri yapmay\u0131 tercih edebiliyor. Pek tercih edilen bir y\u00f6ntem olmasa da bu tercihi yapan hak sahiplerinin ilk ad\u0131m\u0131 bakanl\u0131kla binalar\u0131n\u0131 yenilemek veya g\u00fc\u00e7lendirmek i\u00e7in bir anla\u015fma imzalamak oluyor. Pe\u015fi s\u0131ra ise kentsel d\u00f6n\u00fc\u015f\u00fcm kredisi i\u00e7in anla\u015fmal\u0131 bir banka ile g\u00f6r\u00fc\u015f\u00fcl\u00fcyor. Bu durumda bankadan sadece be\u015f daireye kadar kredi alma haklar\u0131 bulunuyor.<\/p>\n

S\u00f6zc\u00fc<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Bankalar, kentsel d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecinde \u00f6nemli bir role sahip. Bankalar\u0131n kentsel d\u00f6n\u00fc\u015f\u00fcm ile ilgili hem hak sahipleri hem de m\u00fcteahhitler a\u00e7\u0131s\u0131ndan iki ayr\u0131 sorumluluklar\u0131 bulunuyor. Kentsel D\u00f6n\u00fc\u015f\u00fcm Yasas\u0131 olarak da bilinen 6306 say\u0131l\u0131 Afet Riski Alt\u0131ndaki Alanlar\u0131n D\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi Hakk\u0131nda Kanun uyar\u0131nca; hak sahipleri, kentsel d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecine giren binalar\u0131 ile ilgili olarak bankalar\u0131ndan d\u00fc\u015f\u00fck faizli kredi kullanabiliyor. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0},"categories":[221,1,26,5217,457,5220,97],"tags":[11375,961,3463,4480,11315,88,5304,5305,277,106,11447],"_links":{"self":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/8282"}],"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=8282"}],"version-history":[{"count":2,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/8282\/revisions"}],"predecessor-version":[{"id":8284,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=\/wp\/v2\/posts\/8282\/revisions\/8284"}],"wp:attachment":[{"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlaktuel.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}