Erişim imkanı sınırlı hanehalklarının barınma amaçlı konut edinmesine yönelik finansal model önerisi
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2016
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Bu çalışma ile, 2009-2014 dönemi esas alınmak suretiyle, konut talebi ile asgari ücret ve hanehalkı geliri, konut kredisi faiz oranı, konut fiyat seviyesi, konut kredisi vadesi, kredi skor puan değeri ve nihayet kredilendirme oranı arasında pozitif veya negatif yönlü bir ilişkinin varlığı ve ilişkinin derecesi ortaya konmuş; yine, konut talebi ile konut kredisi faiz oranı, konut fiyat seviyesi, konut kredisi vadesi ve nihayet kredi skor puan değeri arasında fonksiyonel bir ilişki olduğu saptanmıştır. Bu tespitler ışığında, Türkiye'de milli gelirden pay alan her bir yüzde 20'lik grubun, finansal yeterlilik bağlamında konut erişim imkanı değerlendirilmek suretiyle; konut erişim imkanı sınırlı hanehalklarına, bu imkanı sağlamaya yönelik yeni bir finansal model önerisi geliştirilmiştir. Anahtar Kelimeler: Konut sorunu, konut hakkı, konut talebi, konut finansmanı
This study reveals the presence, direction and degree of the relationship between residential demand from 2009 to 2014 and the minimum wage-household income, mortgage loan interest rate, residential price level, mortgage loan terms, credit score values and lastly loan to value; and also a functional relationship among the residential demand and the minimum wage-household income, mortgage loan interest rate, residential price level, mortgage loan terms and credit score values. In the light of these findings, the study proposes a new financial model by assessing the possibility to access housing of each 20 percent having shares from the national income in Turkey in order to enable people having limited housing access to access their housing rights. Keywords: Housing problem, sheltering right, housing demand, housing finance
This study reveals the presence, direction and degree of the relationship between residential demand from 2009 to 2014 and the minimum wage-household income, mortgage loan interest rate, residential price level, mortgage loan terms, credit score values and lastly loan to value; and also a functional relationship among the residential demand and the minimum wage-household income, mortgage loan interest rate, residential price level, mortgage loan terms and credit score values. In the light of these findings, the study proposes a new financial model by assessing the possibility to access housing of each 20 percent having shares from the national income in Turkey in order to enable people having limited housing access to access their housing rights. Keywords: Housing problem, sheltering right, housing demand, housing finance
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Bankacılık, Banka kredileri, Hanehalkı, Konut, Konut edinme, Banking, Bank credits, Konut finansmanı, Household, Konut hakkı, Dwelling house, Housing owning, Konut kredisi, Housing finance, Housing right, Konut sorunu, Housing credit, Konut talebi, Housing problem, Housing demand, Krediler, Credits