{"id":473,"date":"2025-10-31T12:19:01","date_gmt":"2025-10-31T09:19:01","guid":{"rendered":"https:\/\/wordpress.habereditoru.com\/?p=473"},"modified":"2025-10-31T12:19:01","modified_gmt":"2025-10-31T09:19:01","slug":"faizsiz-finansman-modeli-yukseliyor","status":"publish","type":"post","link":"https:\/\/wordpress.habereditoru.com\/?p=473","title":{"rendered":"Faizsiz finansman modeli y\u00fckseliyor"},"content":{"rendered":"
\n

T\u00fcrkiye’de “faizsiz ev, ara\u00e7, i\u015fyeri”<\/strong> modeliyle \u00f6ne \u00e7\u0131kan tasarruf finansman sekt\u00f6r\u00fc, dokuz lisansl\u0131 \u015firketle yeni bir d\u00f6neme giriyor. BDDK denetiminin s\u0131k\u0131la\u015ft\u0131r\u0131lmas\u0131yla g\u00fcven artarken, b\u00fcy\u00fck sermaye gruplar\u0131n\u0131n kat\u0131l\u0131m\u0131 sekt\u00f6re kurumsal bir ivme kazand\u0131rd\u0131.<\/p>\n

T\u00fcrkiye\u2019de faizsiz ve kredisiz finansman anlay\u0131\u015f\u0131yla son y\u0131llarda b\u00fcy\u00fck ilgi g\u00f6ren tasarruf finansman \u015firketleri, vatanda\u015flar\u0131n ev, ara\u00e7 ve i\u015fyeri sahibi olma hayalini farkl\u0131 bir modelle ger\u00e7e\u011fe d\u00f6n\u00fc\u015ft\u00fcr\u00fcyor. Kat\u0131l\u0131mc\u0131lar\u0131n tasarruflar\u0131n\u0131 ortak bir havuzda birle\u015ftirdi\u011fi sistem, y\u00fcksek faiz ortam\u0131nda alternatif bir \u00e7\u00f6z\u00fcm olarak \u00f6ne \u00e7\u0131k\u0131yor.<\/p>\n

Sekt\u00f6r\u00fcn yasal \u00e7er\u00e7evesi 2021\u2019de belirlenirken, bug\u00fcn dokuz \u015firket BDDK lisans\u0131 ile faaliyet g\u00f6steriyor:<\/p>\n

Adil Tasarruf, Albayrak Tasarruf, Birevim, Eminevim, Emlak Kat\u0131l\u0131m Tasarruf, Fuzul, \u0130mece, Kat\u0131l\u0131mevim ve Sinpa\u015f Tasarruf.<\/p>\n

S\u0130STEM\u0130N TEMEL\u0130 DAYANI\u015eMA VE TASARRUF<\/strong><\/span><\/p>\n

Kat\u0131l\u0131mc\u0131lar, ayl\u0131k belirli tutarlarda \u00f6deme yap\u0131yor; teslimatlar \u00e7ekili\u015f, s\u0131ralama veya birikim oran\u0131na g\u00f6re ger\u00e7ekle\u015fiyor. \u015eirketler faiz yerine \u201corganizasyon \u00fccreti\u201d al\u0131yor. Bu model, hem tasarrufu te\u015fvik ediyor hem de krediye eri\u015fimi olmayan kesimlere alternatif sunuyor.<\/p>\n

BDDK G\u00d6ZET\u0130M\u0130NDE YEN\u0130 D\u00d6NEM<\/strong><\/span><\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK), sekt\u00f6re ili\u015fkin s\u0131k\u0131 denetim s\u00fcrecini s\u00fcrd\u00fcr\u00fcyor. 6361 say\u0131l\u0131 kanun kapsam\u0131na al\u0131nan \u015firketler, art\u0131k sermaye yeterlili\u011fi, likidite y\u00f6netimi ve teslimat performans\u0131 a\u00e7\u0131s\u0131ndan d\u00fczenli rapor sunmakla y\u00fck\u00fcml\u00fc.<\/p>\n

Bu kapsamda 2024\u20132025 d\u00f6neminde yap\u0131lan eleme sonucu yaln\u0131zca mali yap\u0131s\u0131 g\u00fc\u00e7l\u00fc dokuz \u015firket faaliyet izni alabildi. BDDK\u2019n\u0131n bu ad\u0131m\u0131, sekt\u00f6rde \u201ctemiz sayfa\u201d olarak de\u011ferlendiriliyor.<\/p>\n

YEN\u0130 OYUNCULAR G\u00dc\u00c7 KATIYOR<\/strong><\/span><\/p>\n

2025 itibar\u0131yla sekt\u00f6re kat\u0131lan Albayrak Tasarruf Finansman ve Adil Tasarruf Finansman, kurumsal sermaye yap\u0131lar\u0131yla dikkat \u00e7ekti. Uzmanlara g\u00f6re b\u00fcy\u00fck gruplar\u0131n sekt\u00f6re girmesi, hem rekabeti hem de t\u00fcketici g\u00fcvenini art\u0131racak.<\/p>\n

Bunun yan\u0131nda, Eminevim, Birevim ve Fuzul gibi \u00f6nc\u00fc markalar b\u00fcy\u00fcmelerini s\u00fcrd\u00fcr\u00fcyor. Emlak Kat\u0131l\u0131m Tasarruf ise kamu destekli yap\u0131s\u0131yla sekt\u00f6re farkl\u0131 bir g\u00fcven boyutu kazand\u0131r\u0131yor.<\/p>\n

T\u00dcKET\u0130C\u0130 \u015e\u0130KAYETLER\u0130 AZALSA DA S\u00dcR\u00dcYOR<\/strong><\/span><\/p>\n

Sistemin pop\u00fclerle\u015fmesiyle birlikte \u015fikayetlerde de art\u0131\u015f ya\u015fanm\u0131\u015ft\u0131. \u00d6zellikle teslimat gecikmeleri, s\u00f6zle\u015fme iptali ve bilgi eksikli\u011fi en \u00e7ok dile getirilen konular aras\u0131nda yer al\u0131yor.<\/p>\n

BDDK denetiminin ard\u0131ndan \u015fikayet say\u0131s\u0131nda azalma olsa da uzmanlar vatanda\u015flar\u0131 uyar\u0131yor:<\/p>\n

\u201cFaizsiz sistem g\u00fcvenli olabilir ama s\u00f6zle\u015fme detaylar\u0131n\u0131 okumadan imza atmay\u0131n.\u201d<\/p>\n

EKONOM\u0130K ZEM\u0130N UYGUN<\/strong><\/span><\/p>\n

Y\u00fcksek faiz oranlar\u0131n\u0131n h\u00fck\u00fcm s\u00fcrd\u00fc\u011f\u00fc mevcut ekonomik ortamda tasarruf finansman modeli, orta gelir grubuna ula\u015fman\u0131n en etkili yollar\u0131ndan biri haline geldi. Bu sistem ayn\u0131 zamanda kay\u0131tl\u0131 ekonomiye katk\u0131 sa\u011flarken, uzun vadeli tasarruf k\u00fclt\u00fcr\u00fcn\u00fc de te\u015fvik ediyor.<\/p>\n

L\u0130K\u0130D\u0130TE Y\u00d6NET\u0130M\u0130 K\u0130L\u0130T UNSUR<\/strong><\/span><\/p>\n

Finans analistleri, sistemin s\u00fcrd\u00fcr\u00fclebilirli\u011fi i\u00e7in g\u00fc\u00e7l\u00fc mali y\u00f6netim gerekti\u011fini vurguluyor:<\/p>\n

\u201cFaizsiz model cazip olsa da, her \u015fey \u015firketin nakit y\u00f6netimi becerisine ba\u011fl\u0131. Teslimatlar aksarsa g\u00fcven zedelenir. Bu nedenle BDDK denetiminin s\u0131k\u0131 kalmas\u0131 \u00e7ok \u00f6nemli.\u201d<\/p>\n

T\u00dcKET\u0130C\u0130YE 4 ADIMDA G\u00dcVENL\u0130 REHBER<\/strong><\/span><\/p>\n

\u015eirketin BDDK\u2019dan lisans ald\u0131\u011f\u0131n\u0131 mutlaka kontrol edin.<\/p>\n

S\u00f6zle\u015fmedeki organizasyon \u00fccreti ve teslimat plan\u0131n\u0131 dikkatle okuyun.<\/p>\n

Teslimat takviminin yaz\u0131l\u0131 \u015fekilde belirtilmesini talep edin.<\/p>\n

\u015eikayet platformlar\u0131nda \u015firketin ge\u00e7mi\u015f performans\u0131n\u0131 inceleyin.<\/p>\n

Sekt\u00f6rde 9 lisansl\u0131 \u015firket (2025 itibar\u0131yla)<\/p>\n

\u015e\u0130RKET ADI KURULU\u015e \/ GRUP \u00d6ZELL\u0130K<\/strong><\/span><\/p>\n

Birevim Tasarruf Finansman A.\u015e. Yerli \u00f6zel sermaye Geni\u015f \u015fube a\u011f\u0131, konut ve ara\u00e7 planlar\u0131<\/p>\n

Eminevim Tasarruf Finansman A.\u015e. Emin Grup Sekt\u00f6r\u00fcn en k\u00f6kl\u00fc markas\u0131<\/p>\n

Fuzul Tasarruf Finansman A.\u015e. Fuzul Holding Gayrimenkul odakl\u0131 entegre yap\u0131<\/p>\n

Kat\u0131l\u0131mevim Tasarruf Finansman A.\u015e. Kat\u0131l\u0131m Grubu \u00c7evrim i\u00e7i ba\u015fvuru a\u011f\u0131 g\u00fc\u00e7l\u00fc<\/p>\n

\u0130mece Tasarruf Finansman A.\u015e. \u00d6zel sermaye KOB\u0130 odakl\u0131 finansman planlar\u0131<\/p>\n

Emlak Kat\u0131l\u0131m Tasarruf Finansman A.\u015e. Kamu i\u015ftiraki Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 g\u00fcvencesi<\/p>\n

Sinpa\u015f Tasarruf Finansman A.\u015e. Sinpa\u015f Holding Konut sekt\u00f6r\u00fcnde dikey entegrasyon<\/p>\n

Adil Tasarruf Finansman A.\u015e. Yeni giri\u015fim Dijital altyap\u0131 yat\u0131r\u0131m\u0131 y\u00fcksek<\/p>\n

Albayrak Tasarruf Finansman A.\u015e. Albayrak Grubu Kurumsal finans disipliniyle sekt\u00f6re giri\u015f yapt\u0131<\/p>\n

FA\u0130ZS\u0130Z F\u0130NANS ARAYI\u015eINDAK\u0130 EN D\u0130NAM\u0130K ALANLARDAN B\u0130R\u0130<\/strong><\/span><\/p>\n

Tasarruf finansman sistemi, T\u00fcrkiye\u2019nin \u201cfaizsiz finans\u201d<\/strong> aray\u0131\u015f\u0131ndaki en dinamik alanlardan biri olarak de\u011ferlendiriliyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde BDDK\u2019n\u0131n ikincil d\u00fczenlemeleri, sekt\u00f6rde sermaye yap\u0131s\u0131n\u0131 ve m\u00fc\u015fteri g\u00fcvenini belirleyecek ana unsur olacak.<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

T\u00fcrkiye\u2019de son y\u0131llarda h\u0131zla b\u00fcy\u00fcyen tasarruf finansman sekt\u00f6r\u00fc, faizsiz ve kredisiz finansman anlay\u0131\u015f\u0131yla ev, ara\u00e7 ve i\u015fyeri sahibi olmak isteyen vatanda\u015flara yeni bir se\u00e7enek sunuyor.<\/p>\n","protected":false},"author":2,"featured_media":474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[7,317,316],"class_list":["post-473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guncel","tag-ekonomi","tag-faizsiz-finans","tag-konut"],"_links":{"self":[{"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=\/wp\/v2\/posts\/473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=473"}],"version-history":[{"count":0,"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=\/wp\/v2\/posts\/473\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=\/wp\/v2\/media\/474"}],"wp:attachment":[{"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wordpress.habereditoru.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}