{"id":16188,"date":"2026-08-04T16:45:12","date_gmt":"2026-08-04T13:45:12","guid":{"rendered":"https:\/\/residence-estate.ge\/?p=16188"},"modified":"2026-08-04T16:47:46","modified_gmt":"2026-08-04T13:47:46","slug":"how-to-transfer-money-to-georgia-to-buy-real-estate","status":"publish","type":"post","link":"https:\/\/residence-estate.ge\/tr\/all\/how-to-transfer-money-to-georgia-to-buy-real-estate\/","title":{"rendered":"Gayrimenkul sat\u0131n almak i\u00e7in G\u00fcrcistan\u2019a nas\u0131l para g\u00f6nderilir?"},"content":{"rendered":"<p>G\u00fcrcistan\u2019da gayrimenkul sat\u0131n almak i\u00e7in para transferi genellikle iki temel yolla yap\u0131labilir: sat\u0131c\u0131n\u0131n veya in\u015faat firmas\u0131n\u0131n banka hesab\u0131na do\u011frudan ya da \u00f6nce G\u00fcrcistan\u2019daki bir bankadaki kendi hesab\u0131n\u0131za. Yeni in\u015fa edilen binalar i\u00e7in, al\u0131c\u0131n\u0131n rezervasyon \u00fccreti, ilk taksit ve sonraki taksitleri \u00f6dedi\u011fi, takvime g\u00f6re a\u015famal\u0131 \u00f6deme y\u00f6ntemi de s\u0131kl\u0131kla kullan\u0131l\u0131r.<\/p>\n\n\n\n<p>Banka havalelerinin yan\u0131 s\u0131ra, baz\u0131 al\u0131c\u0131lar nakit \u00f6deme veya kripto para kullan\u0131m\u0131n\u0131 da de\u011ferlendiriyor. Ancak bu se\u00e7enekler, geleneksel banka \u00f6demelerinden farkl\u0131 \u015fekilde d\u00fczenlenmektedir. Sanal varl\u0131klar G\u00fcrcistan\u2019da yasal bir \u00f6deme arac\u0131 de\u011fildir ve \u00f6deme amac\u0131yla kullan\u0131mlar\u0131 yasalarla s\u0131n\u0131rland\u0131r\u0131lm\u0131\u015ft\u0131r; bu nedenle nakit \u00f6demeler ve kripto para birimleri ile ilgili konular, makalenin ayr\u0131 b\u00f6l\u00fcmlerinde ayr\u0131nt\u0131l\u0131 olarak ele al\u0131nmaktad\u0131r.<\/p>\n\n\n\n<p>G\u00fcrcistan\u2019da do\u011frudan uluslararas\u0131 havale i\u00e7in banka hesab\u0131 a\u00e7mak genellikle zorunlu de\u011fildir. Al\u0131c\u0131, s\u00f6zle\u015fmede veya resmi faturada belirtilen hesap bilgilerini kullanarak kendi yurt d\u0131\u015f\u0131 hesab\u0131ndan para g\u00f6nderebilir. \u00d6deme yapmadan \u00f6nce hesap sahibini, IBAN'\u0131, SWIFT\/BIC kodunu, para birimini, \u00f6deme amac\u0131n\u0131 ve komisyon kesinti kurallar\u0131n\u0131 kontrol etmek gerekir.<\/p>\n\n\n\n<p>B\u00fcy\u00fck tutarl\u0131 bir havale i\u00e7in banka, sat\u0131n alma s\u00f6zle\u015fmesini ve fonlar\u0131n kayna\u011f\u0131n\u0131 do\u011frulayan belgeleri talep edebilir. Bu nedenle, bankan\u0131n \u015fartlar\u0131n\u0131 \u00f6nceden netle\u015ftirmek ve \u00f6demeyi s\u00f6zle\u015fmede belirtilen tarihten \u00f6nce, yeterli zaman pay\u0131 b\u0131rakarak g\u00f6ndermek tavsiye edilir.<\/p>\n\n\n\n<p>\u00d6nemli: Para transferi ve m\u00fclkiyet hakk\u0131n\u0131n tescili farkl\u0131 a\u015famalard\u0131r. SWIFT onay\u0131, \u00f6demenin yap\u0131ld\u0131\u011f\u0131n\u0131 kan\u0131tlar; ancak al\u0131c\u0131, G\u00fcrcistan Kamu Sicili\u2019nde m\u00fclkiyet hakk\u0131 devrinin resmi olarak tescil edilmesinden sonra m\u00fclk sahibi olur.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Al\u0131c\u0131n\u0131n durumu<\/th><th>En pratik se\u00e7enek<\/th><th>\u00d6nceden neleri kontrol etmelisiniz?<\/th><\/tr><\/thead><tbody><tr><td>Tek seferde tam \u00f6deme<\/td><td>Sat\u0131c\u0131ya veya in\u015faat firmas\u0131na do\u011frudan SWIFT havalesi<\/td><td>S\u00f6zle\u015fme, hesap sahibi, IBAN, SWIFT, para birimi ve komisyonlar<\/td><\/tr><tr><td>\u0130n\u015faat firmas\u0131 taraf\u0131ndan sunulan taksitli \u00f6deme se\u00e7ene\u011fi<\/td><td>Zaman \u00e7izelgesine g\u00f6re havale veya kendi G\u00fcrc\u00fc hesab\u0131ndan \u00f6deme<\/td><td>\u00d6deme dilimlerinin tarihleri, her bir \u00f6demenin amac\u0131 ve hesap bilgilerinin g\u00fcncelli\u011fi<\/td><\/tr><tr><td>\u0130kinci el piyasadan sat\u0131n alma<\/td><td>S\u00f6zle\u015fmede belirtilen s\u0131raya g\u00f6re banka havalesi<\/td><td>Sat\u0131c\u0131n\u0131n m\u00fclkiyet hakk\u0131 ve \u00f6demenin tescil ile ili\u015fkisi<\/td><\/tr><tr><td>Uzaktan sat\u0131n alma<\/td><td>Uluslararas\u0131 terc\u00fcme ve temsilci arac\u0131l\u0131\u011f\u0131yla yap\u0131lan i\u015flemler<\/td><td>Vekaletname, imza prosed\u00fcr\u00fc, bilgilerin tahrif edilmesine kar\u015f\u0131 koruma<\/td><\/tr><tr><td>M\u00fclk sat\u0131\u015f\u0131ndan elde edilen gelir<\/td><td>\u00d6nceden haz\u0131rlanm\u0131\u015f belge dizisiyle banka havalesi<\/td><td>Sat\u0131\u015f s\u00f6zle\u015fmesi, para giri\u015fi ve hareketlerine ili\u015fkin belge<\/td><\/tr><tr><td>Para, kripto para biriminde tutulmaktad\u0131r<\/td><td>Kay\u0131tl\u0131 bir sa\u011flay\u0131c\u0131 arac\u0131l\u0131\u011f\u0131yla d\u00f6n\u00fc\u015ft\u00fcrme ve ard\u0131ndan fiat para birimiyle \u00f6deme<\/td><td>\u0130nternet servis sa\u011flay\u0131c\u0131s\u0131n\u0131n yasal durumu, i\u015flem ge\u00e7mi\u015fi ve varl\u0131klar\u0131n kayna\u011f\u0131na ili\u015fkin teyit<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u00d6nemli:<\/strong> Al\u0131c\u0131n\u0131n paras\u0131 kripto para biriminde olsa bile, bu gayrimenkul\u00fcn do\u011frudan dijital varl\u0131klarla \u00f6denebilece\u011fi anlam\u0131na gelmez. <strong>G\u00fcrcistan Merkez Bankas\u0131 (GMB)<\/strong> Sanal varl\u0131klar\u0131n yasal bir \u00f6deme arac\u0131 olmad\u0131\u011f\u0131n\u0131 ve sanal varl\u0131k hizmet sa\u011flay\u0131c\u0131lar\u0131n\u0131n (VASP) faaliyetleri i\u00e7in \u00f6ng\u00f6r\u00fclen \u00f6zel durumlar d\u0131\u015f\u0131nda bunlarla yap\u0131lan \u00f6demelerin yasak oldu\u011funu belirtmektedir. Bu nedenle uygulamada, \u00f6ncelikle fiat para birimine yasal bir \u015fekilde d\u00f6n\u00fc\u015ft\u00fcrme i\u015flemi ger\u00e7ekle\u015ftirilir; ard\u0131ndan gayrimenkul \u00f6demesi normal bir banka havalesi yoluyla yap\u0131l\u0131r.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0131sa ad\u0131mlar<\/h2>\n\n\n\n<p>Ad\u0131mlar\u0131n s\u0131ras\u0131n\u0131 h\u0131zl\u0131ca kavramak isteyen okuyucular i\u00e7in:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"\/tr\/quiz\/\" target=\"_blank\">Bir nesne se\u00e7in<\/a> ve sat\u0131c\u0131n\u0131n veya in\u015faat firmas\u0131n\u0131n g\u00fcvenilir oldu\u011fundan emin olmak.<\/li>\n\n\n\n<li>Tam banka bilgilerini i\u00e7eren s\u00f6zle\u015fme, fatura veya \u00f6deme plan\u0131n\u0131 almak.<\/li>\n\n\n\n<li>\u00d6deme para birimini, \u00f6deme y\u00f6ntemini ve olas\u0131 banka komisyonlar\u0131n\u0131 netle\u015ftirin.<\/li>\n\n\n\n<li>Yak\u0131nda ger\u00e7ekle\u015ftirece\u011finiz b\u00fcy\u00fck tutarl\u0131 yurt d\u0131\u015f\u0131 havaleyi, bankan\u0131za \u00f6nceden bildirin.<\/li>\n\n\n\n<li>Fonlar\u0131n yasal kayna\u011f\u0131n\u0131 do\u011frulayan belgeleri haz\u0131rlamak.<\/li>\n\n\n\n<li>\u00d6deme amac\u0131n\u0131 do\u011fru bir \u015fekilde belirterek transferi ger\u00e7ekle\u015ftirin.<\/li>\n\n\n\n<li>SWIFT onay\u0131n\u0131 veya \u00f6deme talimat\u0131n\u0131 saklay\u0131n.<\/li>\n\n\n\n<li>Sat\u0131c\u0131dan para yat\u0131r\u0131ld\u0131\u011f\u0131na dair yaz\u0131l\u0131 bir teyit al\u0131n.<\/li>\n\n\n\n<li>\u00d6demenin s\u00f6zle\u015fmeye uygun oldu\u011fundan ve sonraki kay\u0131t i\u015flemleriyle ba\u011flant\u0131l\u0131 oldu\u011fundan emin olmak.<\/li>\n<\/ol>\n\n\n\n<p>Bu ad\u0131mlar\u0131n her biri, a\u015fa\u011f\u0131da ayr\u0131 b\u00f6l\u00fcmlerde ayr\u0131nt\u0131l\u0131 olarak ele al\u0131nm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u00d6nemli:<\/strong> Uluslararas\u0131 devir i\u015flemi tek ba\u015f\u0131na m\u00fclkiyet hakk\u0131n\u0131n devrini teyit etmez. \u00d6deme, s\u00f6zle\u015fme ve tescil i\u015flemleri birbiriyle uyumlu olmal\u0131d\u0131r.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Ba\u015fl\u0131ca \u00f6deme y\u00f6ntemleri<\/h2>\n\n\n\n<p>Y\u00f6ntem se\u00e7imi, sat\u0131c\u0131n\u0131n kim oldu\u011funa, al\u0131c\u0131n\u0131n G\u00fcrcistan\u2019daki bir bankada hesab\u0131 olup olmad\u0131\u011f\u0131na, al\u0131c\u0131n\u0131n birincil mi yoksa ikincil piyasadan m\u0131 sat\u0131n ald\u0131\u011f\u0131na ve i\u015flemin nas\u0131l yap\u0131land\u0131r\u0131ld\u0131\u011f\u0131na ba\u011fl\u0131d\u0131r. A\u015fa\u011f\u0131da, \u00fc\u00e7 temel se\u00e7ene\u011fin ayr\u0131nt\u0131l\u0131 analizi ve yayg\u0131n olarak kullan\u0131lan t\u00fcm y\u00f6ntemlerin k\u0131sa bir kar\u015f\u0131la\u015ft\u0131rmas\u0131 yer almaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sat\u0131c\u0131ya do\u011frudan \u00f6deme<\/h3>\n\n\n\n<p>Yabanc\u0131 al\u0131c\u0131lar i\u00e7in en temel se\u00e7eneklerden biri. Para, al\u0131c\u0131n\u0131n yurtd\u0131\u015f\u0131ndaki banka hesab\u0131ndan do\u011frudan sat\u0131c\u0131n\u0131n \u2014 ger\u00e7ek ki\u015fi veya in\u015faat \u015firketi \u2014 banka hesab\u0131na aktar\u0131l\u0131r.<\/p>\n\n\n\n<p>Bu t\u00fcr bir havale i\u00e7in \u015funlar gereklidir: Al\u0131c\u0131n\u0131n IBAN numaras\u0131, al\u0131c\u0131 bankan\u0131n SWIFT\/BIC kodu, hesap sahibinin tam ad\u0131 veya soyad\u0131, bankan\u0131n ad\u0131 ve adresi; baz\u0131 durumlarda ise muhabir bankan\u0131n bilgileri. <strong>Al\u0131c\u0131n\u0131n ad\u0131 veya t\u00fczel ki\u015filik ad\u0131, s\u00f6zle\u015fmede belirtilenle ayn\u0131 olmal\u0131d\u0131r.<\/strong> Al\u0131c\u0131n\u0131n ad\u0131nda veya t\u00fczel ad\u0131nda \u00f6nemli bir uyu\u015fmazl\u0131k, havalenin ek bir kontrol\u00fcne, gecikmesine veya iadesine neden olabilir. Yaz\u0131m, transliterasyon dikkate al\u0131narak s\u00f6zle\u015fme ve hesap bilgileriyle kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n<p>Bir y\u00f6netici, emlak\u00e7\u0131 veya ba\u015fka bir arac\u0131n\u0131n hesab\u0131na yap\u0131lacak havale, yaln\u0131zca uygun bir s\u00f6zle\u015fme dayana\u011f\u0131 olmas\u0131 ve gerekirse banka taraf\u0131ndan kontrol edildikten sonra kabul edilebilir. Bu dayanak olmadan, s\u00f6z konusu \u00f6deme hukuki belirsizlik ve ek uyum riskleri yarat\u0131r.<\/p>\n\n\n\n<p>\u00d6deme yap\u0131ld\u0131ktan sonra SWIFT onay belgesini saklaman\u0131z ve sat\u0131c\u0131dan paran\u0131n hesaba yat\u0131r\u0131ld\u0131\u011f\u0131na dair yaz\u0131l\u0131 bir teyit alman\u0131z gerekmektedir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Veriler<\/th><th>Neler belirtilmelidir?<\/th><th>Nerede kontrol edilebilir?<\/th><\/tr><\/thead><tbody><tr><td>Al\u0131c\u0131<\/td><td>Sat\u0131c\u0131n\u0131n tam ad\u0131 veya in\u015faat firmas\u0131n\u0131n t\u00fczel ad\u0131<\/td><td>S\u00f6zle\u015fme ve resmi fatura<\/td><\/tr><tr><td>IBAN<\/td><td>Al\u0131c\u0131n\u0131n hesap numaras\u0131<\/td><td>Banka veya sat\u0131c\u0131dan al\u0131nan resmi belge<\/td><\/tr><tr><td>SWIFT\/BIC<\/td><td>Al\u0131c\u0131 bankan\u0131n kodu<\/td><td>Hesap bilgileri i\u00e7eren belge ve bankan\u0131n resmi web sitesi<\/td><\/tr><tr><td>Al\u0131c\u0131 banka<\/td><td>Bankan\u0131n ad\u0131 ve adresi<\/td><td>Resmi bilgiler<\/td><\/tr><tr><td>Hesap para birimi<\/td><td>GEL, USD veya EUR \u2014 s\u00f6zle\u015fmeye ve hesaba ba\u011fl\u0131 olarak<\/td><td>Sat\u0131c\u0131 ve banka, \u00f6deme yap\u0131lana kadar<\/td><\/tr><tr><td>\u00d6demenin amac\u0131<\/td><td>S\u00f6zle\u015fme numaras\u0131, nesne, \u00f6deme t\u00fcr\u00fc ve al\u0131c\u0131n\u0131n ad\u0131<\/td><td>Sat\u0131c\u0131 ve banka ile mutab\u0131k kalmak<\/td><\/tr><tr><td>Komisyon<\/td><td>OUR, SHA veya BEN<\/td><td>\u00d6deme formunda ve s\u00f6zle\u015fmede<\/td><\/tr><tr><td>Muhabir banka<\/td><td>\u00c7eviri yolunda gerekliyse belirtilir<\/td><td>G\u00f6nderen veya al\u0131c\u0131 bankada<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">G\u00fcrcistan\u2019daki bir bankaya kendi hesab\u0131na para transferi<\/h3>\n\n\n\n<p>Al\u0131c\u0131 \u00f6ncelikle G\u00fcrcistan\u2019daki bir bankada \u2014 \u00f6rne\u011fin TBC Bank veya Bank of Georgia\u2019da \u2014 bir hesap a\u00e7ar ve paray\u0131 bu hesaba aktar\u0131r. Para hesaba yat\u0131r\u0131ld\u0131ktan sonra, sat\u0131c\u0131ya \u00f6demeyi \u00fclke i\u00e7inden yapar.<\/p>\n\n\n\n<p>Bu se\u00e7enek, para birimi ve \u00f6deme zaman\u0131 \u00fczerinde daha fazla kontrol sa\u011flar, taksitli \u00f6demelerde tekrarlanan \u00f6demeleri kolayla\u015ft\u0131r\u0131r ve onar\u0131m, kamu hizmetleri, tesis y\u00f6netimi gibi sonraki harcamalar i\u00e7in de kullan\u0131\u015fl\u0131d\u0131r.<\/p>\n\n\n\n<p>Ancak <strong>Yurtd\u0131\u015f\u0131nda ikamet eden bir ki\u015fiye hesap a\u00e7\u0131lmas\u0131 \u2014 otomatik bir i\u015flem de\u011fildir<\/strong>. Banka her durumu ayr\u0131 ayr\u0131 de\u011ferlendirir; vatanda\u015fl\u0131k, vergi ikametgah\u0131, gelir kayna\u011f\u0131 ve i\u015flemlerin amac\u0131 ile ilgili belgeler talep edebilir. Hesap a\u00e7\u0131lmas\u0131, bankan\u0131n gelen her t\u00fcrl\u00fc havaleyi otomatik olarak onaylayaca\u011f\u0131 anlam\u0131na gelmez: Banka, b\u00fcy\u00fck veya ola\u011fand\u0131\u015f\u0131 i\u015flemleri ayr\u0131 olarak inceleme hakk\u0131na sahiptir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130n\u015faat firmas\u0131n\u0131n \u00f6deme plan\u0131na g\u00f6re \u00f6deme<\/h3>\n\n\n\n<p>Bir\u00e7ok projede \u00f6demeler birka\u00e7 a\u015famaya b\u00f6l\u00fcn\u00fcr; ancak somut \u00f6deme plan\u0131, in\u015faat firmas\u0131yla yap\u0131lan s\u00f6zle\u015fmeyle belirlenir. Yayg\u0131n bir se\u00e7enek \u015fudur: <strong>rezervasyon<\/strong> (konaklama yerinin rezerve edilmesi i\u00e7in yap\u0131lan \u00f6deme), <strong>pe\u015finat<\/strong>, <strong>ayl\u0131k veya \u00fc\u00e7 ayl\u0131k \u00f6demeler<\/strong> in\u015faat s\u00fcresince ve <strong>son \u00f6deme<\/strong> anahtarlar\u0131n teslimat\u0131 s\u0131ras\u0131nda.<\/p>\n\n\n\n<p>Her bir taksit, s\u00f6zle\u015fmeyle kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r: tutar, para birimi, son \u00f6deme tarihi ve \u00f6deme amac\u0131 \u00f6deme plan\u0131yla uyumlu olmal\u0131d\u0131r. Yap\u0131lan \u00f6demelerin bir tablosunu tutmak ve her bir taksit i\u00e7in \u00f6deme teyit belgesini saklamak, denetimi kolayla\u015ft\u0131ran ve anla\u015fmazl\u0131k durumunda yard\u0131mc\u0131 olan iyi bir uygulamad\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/eb34b40c-3969-4986-9a02-d1dec5a7b3c4_rezultat-1024x577.webp\" alt=\"G\u00fcrcistan&#039;a nas\u0131l para g\u00f6nderilir?\" class=\"wp-image-16190\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/eb34b40c-3969-4986-9a02-d1dec5a7b3c4_rezultat-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/eb34b40c-3969-4986-9a02-d1dec5a7b3c4_rezultat-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/eb34b40c-3969-4986-9a02-d1dec5a7b3c4_rezultat-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/eb34b40c-3969-4986-9a02-d1dec5a7b3c4_rezultat.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>A\u015fa\u011f\u0131daki tabloda \u015funlar derlenmi\u015ftir: <strong>t\u00fcm hesaplama y\u00f6ntemleri<\/strong>, yabanc\u0131 al\u0131c\u0131lar taraf\u0131ndan potansiyel olarak de\u011ferlendirilebilecek olanlard\u0131r. Ancak bunlar\u0131n hukuki stat\u00fcs\u00fc, bankac\u0131l\u0131k uygulamalar\u0131 ve risk d\u00fczeyleri \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6stermektedir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Y\u00f6ntem<\/th><th>Ne zaman uygunsa<\/th><th>G\u00fcrcistan'da bir banka hesab\u0131 gerekiyor<\/th><th>Temel belgeler<\/th><th>Ana riskler<\/th><\/tr><\/thead><tbody><tr><td>Sat\u0131c\u0131ya do\u011frudan \u00f6deme<\/td><td>S\u00f6zle\u015fme kapsam\u0131nda tek seferlik \u00f6deme mi, yoksa birka\u00e7 taksit mi?<\/td><td>Hay\u0131r<\/td><td>S\u00f6zle\u015fme, fatura, al\u0131c\u0131n\u0131n hesap bilgileri<\/td><td>Bilgilerde hata, al\u0131c\u0131n\u0131n s\u00f6zle\u015fmeyle uyu\u015fmamas\u0131<\/td><\/tr><tr><td>Kendi G\u00fcrc\u00fc hesab\u0131na para transferi<\/td><td>Taksitlendirme, d\u00f6n\u00fc\u015ft\u00fcrme, sonradan ortaya \u00e7\u0131kan masraflar<\/td><td>Evet<\/td><td>Hesap a\u00e7ma belgeleri, s\u00f6zle\u015fme<\/td><td>Hesap a\u00e7\u0131lmam\u0131\u015f olabilir; banka yine de b\u00fcy\u00fck tutarl\u0131 havaleyi kontrol eder<\/td><\/tr><tr><td>G\u00fcrc\u00fc hesaplar\u0131 aras\u0131nda yap\u0131lan i\u00e7 transfer<\/td><td>Kendi hesab\u0131na yat\u0131r\u0131ld\u0131ktan sonra<\/td><td>Evet<\/td><td>Hesap bilgileri, s\u00f6zle\u015fme<\/td><td>Ek a\u015fama, gereksiz komisyonlar<\/td><\/tr><tr><td>\u0130n\u015faat firmas\u0131 taraf\u0131ndan sunulan taksitli \u00f6deme se\u00e7ene\u011fi<\/td><td>A\u015famal\u0131 \u00f6deme sistemine sahip birincil piyasa<\/td><td>Hay\u0131r (ama kullan\u0131\u015fl\u0131)<\/td><td>\u00d6deme takvimi, s\u00f6zle\u015fme, her bir taksite ait fatura<\/td><td>Komisyonlar nedeniyle tutarlar\u0131n uyu\u015fmamas\u0131; in\u015faat firmas\u0131n\u0131n hesap bilgilerinin de\u011fi\u015fmesi<\/td><\/tr><tr><td>Nakit \u00f6deme<\/td><td>Uygulamada nadiren kullan\u0131l\u0131r<\/td><td>Hay\u0131r<\/td><td>Makbuz, tutanak, \u00f6deme belgesini teyit eden belge<\/td><td>G\u00fcmr\u00fck beyan\u0131, kay\u0131p riski, teyit s\u00fcrecinin karma\u015f\u0131kl\u0131\u011f\u0131<\/td><\/tr><tr><td>Sanal varl\u0131klar (kripto para)<\/td><td>Do\u011frudan \u00f6deme, yasal bir \u00f6deme arac\u0131 olarak yasakt\u0131r; yasal bir kanal arac\u0131l\u0131\u011f\u0131yla \u00f6nceden fiat para birimine d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi m\u00fcmk\u00fcnd\u00fcr<\/td><td>Hay\u0131r (d\u00f6n\u00fc\u015ft\u00fcrme s\u0131ras\u0131nda \u2014 standart banka havalesi)<\/td><td>Varl\u0131klar\u0131n men\u015feine ili\u015fkin belgeler, i\u015flem ge\u00e7mi\u015fi, d\u00f6n\u00fc\u015ft\u00fcrme sonras\u0131 belgeler<\/td><td>NBG taraf\u0131ndan do\u011frudan hesaplama yasakt\u0131r; kur riski; banka varl\u0131klar\u0131n kayna\u011f\u0131n\u0131 kontrol eder<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00c7o\u011fu yabanc\u0131 al\u0131c\u0131 i\u00e7in en \u015feffaf se\u00e7enek h\u00e2l\u00e2 <strong>do\u011frulanm\u0131\u015f s\u00f6zle\u015fmede veya resmi faturada do\u011frudan belirtilen hesap bilgileri \u00fczerinden yap\u0131lan banka havalesi<\/strong>. Bu y\u00f6ntem, i\u015flem belgeleriyle ili\u015fkilendirilmesi ve bir ihtilaf ortaya \u00e7\u0131kt\u0131\u011f\u0131nda kan\u0131tlanmas\u0131 en kolay olan\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>\u00d6rnek: $100 000 de\u011ferindeki bir dairenin \u00f6demesi nas\u0131l olabilir?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Sahne <\/strong><\/td><td><strong>Toplam<\/strong><\/td><td><strong>Belge<\/strong><\/td><\/tr><tr><td>Rezervasyon<\/td><td>$2 000<\/td><td>Rezervasyon Anla\u015fmas\u0131<\/td><\/tr><tr><td>\u0130lk taksit<\/td><td>$28 000<\/td><td>Dogor ve Invoice<\/td><\/tr><tr><td>\u0130kinci \u00f6deme<\/td><td>$35 000<\/td><td>\u00d6deme Takvimi ve Fatura<\/td><\/tr><tr><td>Son \u00f6deme<\/td><td>$35 000<\/td><td>Nihai fatura ve mutabakat tutana\u011f\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u0130lk b\u00fcy\u00fck tutarl\u0131 havale \u00f6ncesinde, al\u0131c\u0131 genellikle bankaya s\u00f6zle\u015fmeyi (veya \u00f6demenin amac\u0131n\u0131 do\u011frulayan ba\u015fka bir belgeyi) ve sat\u0131c\u0131n\u0131n ya da in\u015faat firmas\u0131n\u0131n hesap bilgilerini sunar.<\/strong> Banka, i\u015flemin niteli\u011fine ve kendi i\u00e7 prosed\u00fcrlerine ba\u011fl\u0131 olarak ek bilgi talep edebilir.<\/p>\n\n\n\n<p>S\u00f6zle\u015fmeye g\u00f6re in\u015faat firmas\u0131n\u0131n komisyon kesintisi yap\u0131lmaks\u0131z\u0131n tam tutar\u0131 almas\u0131 gerekiyorsa, al\u0131c\u0131 \u00f6nceden uygun bir masraf da\u011f\u0131t\u0131m t\u00fcr\u00fcn\u00fc se\u00e7er ve muhabirin alabilece\u011fi olas\u0131 komisyonu hesaba katar. Son \u00f6demeyi yapt\u0131ktan sonra, al\u0131c\u0131 bir mutabakat belgesi veya borcun bulunmad\u0131\u011f\u0131na dair yaz\u0131l\u0131 bir teyit talep eder.<\/p>\n\n\n\n<p>Tutarlar ve takvim yaln\u0131zca \u00f6rnek olarak verilmi\u015ftir. Ger\u00e7ek ko\u015fullar, ilgili s\u00f6zle\u015fmede belirlenir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kripto para ve nakit<\/h3>\n\n\n\n<p>Baz\u0131 al\u0131c\u0131lar, gayrimenkul sat\u0131n al\u0131m\u0131n\u0131 nakit veya kripto para ile \u00f6deme imk\u00e2n\u0131n\u0131 merak etmektedir. Bu y\u00f6ntemler, standart banka havalelerinden \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6sterir ve hukuki ve bankac\u0131l\u0131k risklerinin ayr\u0131 olarak de\u011ferlendirilmesini gerektirir. G\u00fcrcistan\u2019da sanal varl\u0131klar yasal bir \u00f6deme arac\u0131 de\u011fildir; bu nedenle kripto para birimi ile do\u011frudan \u00f6deme yapman\u0131n yasal k\u0131s\u0131tlamalar\u0131 vard\u0131r ve bu konu makalenin ayr\u0131 bir b\u00f6l\u00fcm\u00fcnde ayr\u0131nt\u0131l\u0131 olarak ele al\u0131nmaktad\u0131r. Nakit \u00f6deme de d\u00f6viz, g\u00fcmr\u00fck ve bankac\u0131l\u0131k mevzuat\u0131na uygunluk gerektirir.<\/p>\n\n\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">G\u00fcrcistan\u2019da banka hesab\u0131 gerekli mi?<\/h2>\n\n\n\n<p>Sat\u0131c\u0131ya do\u011frudan uluslararas\u0131 \u00f6deme yapmak i\u00e7in <strong>Al\u0131c\u0131n\u0131n yerel hesab\u0131, genellikle zorunlu de\u011fildir<\/strong>. Para, yurtd\u0131\u015f\u0131ndaki bir bankadan sat\u0131c\u0131n\u0131n veya in\u015faat firmas\u0131n\u0131n hesap bilgilerine do\u011frudan aktar\u0131labilir.<\/p>\n\n\n\n<p>Bununla birlikte, G\u00fcrcistan\u2019da kendi hesab\u0131na sahip olmak baz\u0131 durumlarda faydal\u0131 olabilir: farkl\u0131 d\u00f6nemlerde birka\u00e7 taksitte \u00f6deme yap\u0131lmas\u0131 gerekti\u011finde, uygun bir zamanda para birimini d\u00f6n\u00fc\u015ft\u00fcrmek gerekti\u011finde, onar\u0131m, kamu hizmetleri, vergiler veya m\u00fclk y\u00f6netimi gibi sonraki harcamalarda. Al\u0131c\u0131, daireyi kiraya vermeyi veya d\u00fczenli olarak ziyaret etmeyi planl\u0131yorsa, G\u00fcrcistan\u2019da bir banka hesab\u0131na sahip olmak i\u015flemleri \u00f6nemli \u00f6l\u00e7\u00fcde kolayla\u015ft\u0131r\u0131r.<\/p>\n\n\n\n<p>Bankan\u0131n bir yerle\u015fik olmayan ki\u015fiye hesap a\u00e7ma karar\u0131, her bir vaka i\u00e7in ayr\u0131 ayr\u0131 al\u0131n\u0131r. Banka, pasaport, vergi ikametgah\u0131, adres, istihdam veya i\u015f durumu, gelir kayna\u011f\u0131, hesap a\u00e7ma amac\u0131 ve planlanan i\u015flemler hakk\u0131nda bilgi talep edebilir. Belgelerin listesi ve format\u0131, ilgili bankaya ve m\u00fc\u015fterinin profiline g\u00f6re de\u011fi\u015fir. Oturma izni veya ba\u015fka bir ikamet stat\u00fcs\u00fcne sahip olmak tek ba\u015f\u0131na hesap a\u00e7\u0131lmas\u0131n\u0131 garanti etmez \u2014 banka, vergi ikametgah\u0131, gelir kayna\u011f\u0131 ve m\u00fc\u015fterinin G\u00fcrcistan ile olan ekonomik ba\u011flar\u0131 dahil olmak \u00fczere bir dizi fakt\u00f6r\u00fc de\u011ferlendirir.<\/p>\n\n\n\n<p>\u015eunu anlamak son derece \u00f6nemlidir: <strong>Hesap a\u00e7mak ile belirli bir b\u00fcy\u00fck tutarl\u0131 havaleyi kabul etmek farkl\u0131 \u015feylerdir<\/strong>. Hesab\u0131n aktif olmas\u0131 bile, i\u015flemle ilgili belge talebinin yap\u0131lmas\u0131n\u0131 engellemez. Banka, al\u0131c\u0131n\u0131n ne kadar s\u00fcredir m\u00fc\u015fteri oldu\u011fu dikkate al\u0131nmaks\u0131z\u0131n, fonlar\u0131n kayna\u011f\u0131n\u0131, \u00f6demenin amac\u0131n\u0131 ve belirli bir i\u015flemle olan ba\u011flant\u0131s\u0131n\u0131 kontrol etme hakk\u0131na sahiptir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Hesab\u0131n a\u00e7\u0131lm\u0131\u015f olmas\u0131, gelen her i\u015flemin otomatik olarak onayland\u0131\u011f\u0131 anlam\u0131na gelmez. Banka yine de havalenin amac\u0131n\u0131, i\u015flem belgelerini ve fonlar\u0131n kayna\u011f\u0131n\u0131 kontrol edebilir.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c7eviri \u00f6ncesinde neleri haz\u0131rlamal\u0131?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1024x577.webp\" alt=\"G\u00fcrcistan&#039;a nas\u0131l para g\u00f6nderilir?\" class=\"wp-image-16191\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Para transferi yap\u0131lmadan \u00f6nce belgelerin haz\u0131rlanmas\u0131, bir\u00e7ok al\u0131c\u0131n\u0131n sonradan halletmeyi erteledi\u011fi i\u015flerden biridir. Uygulamada, tam da ihtiya\u00e7 duyuldu\u011fu anda gerekli belgenin bulunmamas\u0131, \u00f6demenin gecikmesine veya iade edilmesine neden olmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130\u015flem Belgeleri<\/h3>\n\n\n\n<p>Gerekli belgeler, ilgili banka ve i\u015flem t\u00fcr\u00fcne g\u00f6re de\u011fi\u015fiklik g\u00f6sterir; ancak \u00e7o\u011fu durumda a\u015fa\u011f\u0131dakiler gereklidir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>imzalanm\u0131\u015f veya \u00f6n al\u0131m-sat\u0131m s\u00f6zle\u015fmesi<\/strong> \u2014 m\u00fckellefi, al\u0131c\u0131y\u0131 ve nesneyi birbirine ba\u011flayan temel belge;<\/li>\n\n\n\n<li><strong>resmi fatura veya fatura<\/strong> in\u015faat firmas\u0131ndan veya sat\u0131c\u0131dan;<\/li>\n\n\n\n<li><strong>\u00f6deme takvimi<\/strong>, hesaplama a\u015famal\u0131 ise;<\/li>\n\n\n\n<li><strong>al\u0131c\u0131n\u0131n banka hesap bilgileri<\/strong> resmi olarak \u2014 sadece mesajla\u015fma uygulamas\u0131ndan de\u011fil;<\/li>\n\n\n\n<li><strong>sat\u0131c\u0131n\u0131n m\u00fclkiyet hakk\u0131 veya m\u00fclk\u00fcn durumuna ili\u015fkin belge<\/strong> bankan\u0131n talep etti\u011fi durumlarda;<\/li>\n\n\n\n<li><strong>\u00f6deyen, al\u0131c\u0131 ve al\u0131c\u0131 aras\u0131ndaki ili\u015fkileri a\u00e7\u0131klayan belge<\/strong>, e\u011fer farkl\u0131 ki\u015filer ise \u2014 \u00f6rne\u011fin, paray\u0131 e\u015f g\u00f6nderirken s\u00f6zle\u015fmede ba\u015fka bir ki\u015finin ad\u0131 ge\u00e7iyorsa.<\/li>\n<\/ul>\n\n\n\n<p>Gerekli belgelerin listesi banka taraf\u0131ndan her bir durum i\u00e7in ayr\u0131 ayr\u0131 belirlenir. Belirli bir havale i\u015flemi i\u00e7in tam olarak nelerin gerekli olaca\u011f\u0131n\u0131, \u00f6nceden kendi bankan\u0131zdan teyit etmenizde fayda vard\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bilgilerin do\u011frulanmas\u0131<\/h3>\n\n\n\n<p>G\u00f6ndermeden \u00f6nce her bir par\u00e7ay\u0131 kontrol etmek gerekir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>al\u0131c\u0131 ger\u00e7ek ki\u015finin tam ad\u0131 veya \u015firketin t\u00fczel ad\u0131;<\/li>\n\n\n\n<li>IBAN;<\/li>\n\n\n\n<li>Al\u0131c\u0131 bankan\u0131n SWIFT\/BIC kodu;<\/li>\n\n\n\n<li>bankan\u0131n ad\u0131 ve adresi;<\/li>\n\n\n\n<li>hesap para birimi;<\/li>\n\n\n\n<li>\u00f6deme amac\u0131 \u2014 s\u00f6zle\u015fme numaras\u0131, daire veya m\u00fclk numaras\u0131, al\u0131c\u0131 bilgileri;<\/li>\n\n\n\n<li>g\u00f6nderim s\u0131ras\u0131nda gerekliyse, muhabir bankan\u0131n hesap bilgileri;<\/li>\n\n\n\n<li>komisyon da\u011f\u0131t\u0131m t\u00fcr\u00fc: OUR (t\u00fcm komisyonlar g\u00f6nderen taraf\u0131ndan \u00f6denir), SHA (g\u00f6nderen bankas\u0131n\u0131n komisyonu g\u00f6nderen taraf\u0131ndan, muhabir bankalar\u0131n ve al\u0131c\u0131n\u0131n komisyonlar\u0131 ise al\u0131c\u0131 taraf\u0131ndan \u00f6denir), BEN (t\u00fcm komisyonlar havale tutar\u0131ndan d\u00fc\u015f\u00fcl\u00fcr).<\/li>\n<\/ul>\n\n\n\n<p><strong>Hesap bilgileri yaln\u0131zca mesajla\u015fma uygulamas\u0131ndaki bir mesajdan al\u0131namaz.<\/strong> Bunlar, s\u00f6zle\u015fme veya resmi belgeyle kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131 ve \u00f6nceden bilinen, ba\u011f\u0131ms\u0131z bir ileti\u015fim kanal\u0131 arac\u0131l\u0131\u011f\u0131yla do\u011frulanmal\u0131d\u0131r \u2014 \u00f6rne\u011fin, sohbet odas\u0131 yerine, in\u015faat firmas\u0131n\u0131n resmi web sitesinde belirtilen numaray\u0131 arayarak.<\/p>\n\n\n\n<p><strong>Yeni hesap bilgilerinin g\u00fcvenli bir \u015fekilde do\u011frulanmas\u0131<\/strong><\/p>\n\n\n\n<p>S\u00f6zle\u015fmenin imzalanmas\u0131ndan sonra banka hesap bilgileri de\u011fi\u015fmi\u015fse:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>E-postadan veya mesajla\u015fma uygulamas\u0131ndan al\u0131nan yeni verileri do\u011frudan kullanmay\u0131n.<\/li>\n\n\n\n<li>T\u00fczel ki\u015fili\u011fin antetli ka\u011f\u0131d\u0131na yaz\u0131lm\u0131\u015f resmi bir mektup talep edin.<\/li>\n\n\n\n<li>\u015eirketin resmi unvan\u0131n\u0131 ve kimlik numaras\u0131n\u0131 kontrol edin.<\/li>\n\n\n\n<li>Sat\u0131c\u0131ya veya in\u015faat firmas\u0131na, yeni mesajdaki ileti\u015fim bilgilerini de\u011fil, daha \u00f6nce bildi\u011finiz numaray\u0131 arayarak ula\u015f\u0131n.<\/li>\n\n\n\n<li>Y\u00fcksek tutarl\u0131 i\u015flemlerde, bankadan al\u0131c\u0131n\u0131n s\u00f6zle\u015fmeye uygunlu\u011funu kontrol etmesini isteyin.<\/li>\n\n\n\n<li>Bilgilerde yap\u0131lan de\u011fi\u015fikli\u011fi, ek bir s\u00f6zle\u015fmeyle ya da avukat\u0131n \u00f6nerdi\u011fi ba\u015fka bir belgeyle kay\u0131t alt\u0131na al\u0131n.<\/li>\n<\/ol>\n\n\n\n<p>\u201cDeneme havalesi\u201d yapmak ve bunu yeterli bir kontrol olarak kabul etmek do\u011fru de\u011fildir: K\u00fc\u00e7\u00fck bir tutar\u0131n ba\u015far\u0131yla hesaba yat\u0131r\u0131lmas\u0131, hesab\u0131n i\u015flevsel oldu\u011funu teyit eder, ancak hesab\u0131n i\u015flemin do\u011fru taraf\u0131na ait oldu\u011funu kan\u0131tlamaz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Banka ile mutabakat<\/h3>\n\n\n\n<p>B\u00fcy\u00fck tutarl\u0131 bir uluslararas\u0131 havale yapmadan \u00f6nce, bankan\u0131zla \u00f6nceden ileti\u015fime ge\u00e7ip \u015funlar\u0131 bildirmeniz gerekir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>havale tutar\u0131 ve para birimi;<\/li>\n\n\n\n<li>al\u0131c\u0131n\u0131n \u00fclkesi ve bankas\u0131;<\/li>\n\n\n\n<li>\u00f6deme amac\u0131 (gayrimenkul sat\u0131n al\u0131m\u0131);<\/li>\n\n\n\n<li>al\u0131c\u0131n\u0131n bilgileri;<\/li>\n\n\n\n<li>tahmini tarih;<\/li>\n\n\n\n<li>para kayna\u011f\u0131 ve sat\u0131n alma belgeleri.<\/li>\n<\/ul>\n\n\n\n<p>\u00d6n bildirim, i\u015flemin ger\u00e7ekle\u015ftirilece\u011fini garanti etmez \u2014 banka yine de s\u00f6z konusu \u00f6demeyi kendi i\u00e7 prosed\u00fcrlerine g\u00f6re de\u011ferlendirir. Ancak bu t\u00fcr bir g\u00f6r\u00fc\u015fme, olas\u0131 gereklilikleri \u00f6nceden tespit etmeye yard\u0131mc\u0131 olur ve son anda belge talebiyle kar\u015f\u0131la\u015fmaman\u0131z\u0131 sa\u011flar.<\/p>\n\n\n\n<p>S\u00f6zle\u015fmeyi imzalamadan \u00f6nce bankaya sadece \u00fccretler hakk\u0131nda de\u011fil, i\u015flemin prensipte m\u00fcmk\u00fcn olup olmad\u0131\u011f\u0131 konusunda da bilgi al\u0131n. Banka uzman\u0131na s\u00f6zle\u015fme tasla\u011f\u0131n\u0131, faturay\u0131 ve al\u0131c\u0131ya ili\u015fkin bilgileri g\u00f6nderip, gerekli belgelerin yaz\u0131l\u0131 bir listesini almak faydal\u0131 olacakt\u0131r.<\/p>\n\n\n\n<p>Bankadan al\u0131nan \u00f6n onay, \u00f6demenin kesin olarak ger\u00e7ekle\u015ftirilece\u011fini garanti etmez. Ancak bu, al\u0131c\u0131 kesin bir \u00f6deme s\u00fcresini kabul etmeden veya geri al\u0131namaz bir rezervasyon yapmadan \u00f6nce sorunlar\u0131 tespit etmeyi sa\u011flar.<\/p>\n\n\n\n<p><strong>Sat\u0131c\u0131dan veya in\u015faat firmas\u0131ndan neleri talep etmelisiniz:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Resmi belgede yer alan eksiksiz banka hesap bilgileri.<\/li>\n\n\n\n<li>\u00d6deme para biriminin yaz\u0131l\u0131 teyidi.<\/li>\n\n\n\n<li>\u00d6demenin amac\u0131na ili\u015fkin kesin ifade.<\/li>\n\n\n\n<li>Fatura veya onaylanm\u0131\u015f \u00f6deme plan\u0131.<\/li>\n\n\n\n<li>Hesab\u0131n, s\u00f6zle\u015fmede belirtilen tarafa ait oldu\u011funun teyidi.<\/li>\n\n\n\n<li>Komisyonlar\u0131n mahsup edilmesi prosed\u00fcr\u00fc: E\u011fer gelen tutar eksik \u00e7\u0131karsa, eksik kalan tutar\u0131 kim \u00f6der?<\/li>\n\n\n\n<li>Kay\u0131t i\u015flemini teyit edebilecek personelin ileti\u015fim bilgileri.<\/li>\n<\/ol>\n\n\n\n<p>Bu liste, tutars\u0131zl\u0131klar\u0131 hemen tespit etmeye yard\u0131mc\u0131 olur \u2014 \u00f6rne\u011fin, al\u0131c\u0131n\u0131n t\u00fczel ad\u0131 projenin ad\u0131 veya in\u015faat firmas\u0131n\u0131n markas\u0131yla uyu\u015fmuyorsa.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Paran\u0131n kayna\u011f\u0131n\u0131n teyidi<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/845af4c7-1ea5-4cc9-a478-6eb6dddc927f_rezultat-1024x577.webp\" alt=\"G\u00fcrcistan&#039;a nas\u0131l para g\u00f6nderilir?\" class=\"wp-image-16192\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/845af4c7-1ea5-4cc9-a478-6eb6dddc927f_rezultat-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/845af4c7-1ea5-4cc9-a478-6eb6dddc927f_rezultat-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/845af4c7-1ea5-4cc9-a478-6eb6dddc927f_rezultat-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/845af4c7-1ea5-4cc9-a478-6eb6dddc927f_rezultat.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>G\u00fcrcistan\u2019daki bankalar, \u00e7o\u011fu \u00fclkenin finans kurulu\u015flar\u0131 gibi, b\u00fcy\u00fck ve ola\u011fand\u0131\u015f\u0131 i\u015flemleri de\u011ferlendirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Bu gereklilik G\u00fcrcistan mevzuat\u0131nda \u015fu \u015fekilde belirtilmi\u015ftir: <a href=\"https:\/\/matsne.gov.ge\/en\/document\/view\/4690334\" target=\"_blank\" rel=\"nofollow noopener\">G\u00fcrcistan\u2019\u0131n Kara Para Aklanmas\u0131n\u0131n ve Ter\u00f6r\u00fcn Finansman\u0131n\u0131n \u00d6nlenmesine Katk\u0131da Bulunmaya \u0130li\u015fkin Kanunu<\/a> bankalar\u0131, m\u00fc\u015fterileri ve i\u015flemleri uygun \u015fekilde kontrol etmeye mecbur k\u0131lar. Bu gerekliliklerin yerine getirilmesinin denetimi, <a href=\"https:\/\/nbg.gov.ge\/en\/page\/aml-cft-supervisi-1\" target=\"_blank\" rel=\"nofollow noopener\">G\u00fcrcistan Merkez Bankas\u0131<\/a>.<\/p>\n\n\n\n<p>Pratikte bu \u015fu anlama gelir: Hesaba b\u00fcy\u00fck bir mebla\u011f yat\u0131r\u0131ld\u0131\u011f\u0131nda \u2014 ya da al\u0131c\u0131 yurtd\u0131\u015f\u0131na havale g\u00f6nderdi\u011finde \u2014 banka, paran\u0131n nereden geldi\u011fine dair bir teyit talep etme hakk\u0131na sahiptir.<\/p>\n\n\n\n<p>Bankac\u0131l\u0131k terminolojisinde iki kavram aras\u0131nda ayr\u0131m yap\u0131l\u0131r. <strong>Kaynak<\/strong> \u2014 \u0130\u015flemde yer alan belirli gelir kaynaklar\u0131: maa\u015f, daire sat\u0131\u015f\u0131ndan elde edilen gelir, temett\u00fcler. <strong>Zenginli\u011fin kayna\u011f\u0131<\/strong> \u2014 al\u0131c\u0131n\u0131n servet birikiminin genel ge\u00e7mi\u015fi. M\u00fc\u015fteri profiline ve risk de\u011ferlendirmesine ba\u011fl\u0131 olarak banka, belirli fonlar\u0131n kayna\u011f\u0131n\u0131, servetin genel k\u00f6kenini ya da her iki unsuru da kontrol edebilir.<\/p>\n\n\n\n<p>Genellikle tek bir s\u00f6zl\u00fc a\u00e7\u0131klama yeterli olmaz. Belgeler \u015funu g\u00f6stermelidir: <strong>mant\u0131kl\u0131 ve kesintisiz bir zincir<\/strong>: Para belirli bir kaynaktan al\u0131nm\u0131\u015f \u2014 hesaba yat\u0131r\u0131lm\u0131\u015f \u2014 sat\u0131c\u0131ya aktar\u0131lm\u0131\u015ft\u0131r. Bu zincirdeki kesintiler \u2014 \u00f6rne\u011fin, herhangi bir a\u00e7\u0131klama yap\u0131lmadan yat\u0131r\u0131lan nakit veya belgelendirilmemi\u015f \u015fekilde birka\u00e7 hesap \u00fczerinden yap\u0131lan havale \u2014 ek sorulara yol a\u00e7abilir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Banka, yaln\u0131zca ayr\u0131 bir belgenin varl\u0131\u011f\u0131n\u0131 de\u011fil, i\u015flemin genel mant\u0131\u011f\u0131n\u0131 da de\u011ferlendirir: paray\u0131 kim ald\u0131, hesaba nas\u0131l yat\u0131r\u0131ld\u0131 ve neden belirli bir sat\u0131c\u0131ya g\u00f6nderiliyor?<\/p>\n<\/blockquote>\n\n\n\n<p>Belge talebi, bir su\u00e7lama de\u011fildir. Bu, bankan\u0131n i\u00e7 kurallar\u0131 ve yasal gereklilikler do\u011frultusunda uygulad\u0131\u011f\u0131 standart bir prosed\u00fcrd\u00fcr. Belgelere ili\u015fkin somut liste, banka taraf\u0131ndan her bir durum i\u00e7in ayr\u0131 ayr\u0131 belirlenir.<\/p>\n\n\n\n<p><strong>Tablo 2. Kaynaklara g\u00f6re belgeler<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Para kayna\u011f\u0131<\/th><th>Olas\u0131 belgeler<\/th><th>Zincir neyi g\u00f6stermeli?<\/th><\/tr><\/thead><tbody><tr><td>Maa\u015f<\/td><td>Gelir belgeleri, vergi beyannameleri, i\u015f s\u00f6zle\u015fmesi, banka hesap \u00f6zetleri<\/td><td>\u0130\u015fverenden hesaba d\u00fczenli olarak gelen \u00f6demeler \u2014 birikim \u2014 havale<\/td><\/tr><tr><td>Ticari faaliyetlerden elde edilen gelir<\/td><td>Mali tablolar, vergi beyannameleri, \u015firket hesap \u00f6zetleri, k\u00e2r da\u011f\u0131t\u0131m belgeleri<\/td><td>\u015eirketin geliri \u2014 ki\u015fisel hesaba yap\u0131lan giri\u015f \u2014 havale<\/td><\/tr><tr><td>Temett\u00fcler<\/td><td>Temett\u00fc da\u011f\u0131t\u0131m kararlar\u0131, arac\u0131 kurum raporlar\u0131, banka hesap \u00f6zetleri<\/td><td>Temett\u00fc \u00f6demesi \u2014 hesaba yat\u0131rma \u2014 havale<\/td><\/tr><tr><td>Gayrimenkul sat\u0131\u015f\u0131<\/td><td>Sat\u0131n alma s\u00f6zle\u015fmesi, m\u00fclkiyet devri belgesi, \u00f6deme al\u0131nd\u0131\u011f\u0131na dair banka ekstresi<\/td><td>M\u00fclk\u00fcn sat\u0131\u015f\u0131 \u2014 gelir \u2014 havale<\/td><\/tr><tr><td>Araba veya ba\u015fka bir mal\u0131n sat\u0131\u015f\u0131<\/td><td>Sat\u0131n alma s\u00f6zle\u015fmesi, tescil belgeleri, \u00f6deme belgesi<\/td><td>Varl\u0131\u011f\u0131n sat\u0131\u015f\u0131 \u2014 gelir \u2014 aktar\u0131m<\/td><\/tr><tr><td>Birikimler<\/td><td>S\u00f6z konusu d\u00f6neme ait, tutar\u0131n kademeli olarak olu\u015ftu\u011funu do\u011frulayan banka hesap \u00f6zetleri<\/td><td>Birikim ge\u00e7mi\u015fi \u2014 Hesaptaki bakiye \u2014 Havale<\/td><\/tr><tr><td>Miras<\/td><td>Miras hakk\u0131 belgesi, mal\u0131n de\u011ferine ili\u015fkin belgeler, hesap yat\u0131rma belgesi<\/td><td>Miras\u0131n al\u0131nmas\u0131 \u2014 hesaba yat\u0131r\u0131lmas\u0131 \u2014 havale<\/td><\/tr><tr><td>Ba\u011f\u0131\u015f<\/td><td>Ba\u011f\u0131\u015f s\u00f6zle\u015fmesi, ba\u011f\u0131\u015f\u00e7\u0131ya ait belgeler, banka hesap \u00f6zetleri<\/td><td>Ba\u011f\u0131\u015f\u00e7\u0131dan gelen \u00f6deme \u2014 hesaba yat\u0131rma \u2014 havale<\/td><\/tr><tr><td>Kredi<\/td><td>Kredi s\u00f6zle\u015fmesi, kredi verildi\u011fi belgesi, para yat\u0131r\u0131ld\u0131\u011f\u0131na dair hesap \u00f6zeti<\/td><td>Kredi verilmesi \u2014 hesaba para yat\u0131r\u0131lmas\u0131 \u2014 havale<\/td><\/tr><tr><td>Yat\u0131r\u0131m geliri<\/td><td>Arac\u0131 kurum raporu, pozisyonlar\u0131n kapat\u0131ld\u0131\u011f\u0131na dair teyit, hesap \u00f6zeti<\/td><td>Varl\u0131klar\u0131n sat\u0131\u015f\u0131 \u2014 gelir \u2014 transfer<\/td><\/tr><tr><td>E\u015fin veya bir akraban\u0131n mal varl\u0131\u011f\u0131<\/td><td>\u00d6deyen ki\u015fiye ait belgeler, s\u00f6zle\u015fme veya ba\u011f\u0131\u015f\/bor\u00e7 verme mektubu, her iki taraf\u0131n hesap \u00f6zetleri<\/td><td>\u00d6deyenin kaynaklar\u0131n\u0131n men\u015fei \u2014 devri \u2014 al\u0131c\u0131n\u0131n hesab\u0131na giri\u015f<\/td><\/tr><tr><td>Menkul k\u0131ymetlerin veya kripto varl\u0131klar\u0131n sat\u0131\u015f\u0131<\/td><td>Arac\u0131 kurum veya kay\u0131tl\u0131 VASP raporu, i\u015flem ge\u00e7mi\u015fi, para d\u00f6n\u00fc\u015ft\u00fcrme belgeleri, banka hesap \u00f6zeti<\/td><td>Bir varl\u0131\u011f\u0131n sat\u0131n al\u0131nmas\u0131 \u2014 sat\u0131\u015f\u0131 veya d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi \u2014 fiat para giri\u015fi \u2014 sat\u0131c\u0131ya havale<\/td><\/tr><tr><td>Al\u0131c\u0131 \u015firketin kaynaklar\u0131<\/td><td>Mali tablolar, temett\u00fc karar\u0131, kredi s\u00f6zle\u015fmesi veya ba\u015fka bir belge, banka hesap \u00f6zetleri<\/td><td>\u015eirketin yasal gelir kayna\u011f\u0131 \u2014 ger\u00e7ek ki\u015fiye devrin hukuki dayana\u011f\u0131 \u2014 gelir \u2014 havale<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Banka, belgelerin terc\u00fcmesini, tasdikli bir kopyas\u0131n\u0131 veya belgelerin ger\u00e7ekli\u011finin ek bir \u015fekilde teyit edilmesini talep edebilir. Noter tasdiki, apostil veya legalizasyon gereklili\u011fi, belgenin t\u00fcr\u00fcne, d\u00fczenlendi\u011fi \u00fclkeye ve ilgili bankan\u0131n \u015fartlar\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>\u00d6zel bir durum: farkl\u0131 y\u00fczler.<\/strong> S\u00f6zle\u015fmede tek bir al\u0131c\u0131 belirtilmi\u015fse ve havaleyi e\u015f, akraba, i\u015f orta\u011f\u0131 veya bir \u015firket ger\u00e7ekle\u015ftiriyorsa, bu t\u00fcr bir d\u00fczenlemenin \u00f6nceden banka ile mutab\u0131k kal\u0131nmas\u0131 ve belgelerle a\u00e7\u0131klanmas\u0131 gerekir. Ayn\u0131 durum, \u00f6deme al\u0131c\u0131s\u0131n\u0131n s\u00f6zle\u015fmede belirtilen sat\u0131c\u0131dan farkl\u0131 oldu\u011fu durumlarda da ge\u00e7erlidir.<\/p>\n\n\n\n<p>Uyum denetimini atlatmak amac\u0131yla b\u00fcy\u00fck bir tutar\u0131 par\u00e7alara ay\u0131rmak, bankalar\u0131n dikkatini daha fazla \u00e7ekebilecek riskli bir uygulamad\u0131r ve tavsiye edilmez.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Para birimi, komisyonlar ve s\u00fcreler<\/h2>\n\n\n\n<p>Gayrimenkul piyasas\u0131nda taraflar s\u0131k s\u0131k fiyat\u0131 tart\u0131\u015f\u0131r ya da fiyat\u0131n ABD dolar\u0131 veya euro cinsinden kar\u015f\u0131l\u0131\u011f\u0131n\u0131 belirler. Bununla birlikte, lari G\u00fcrcistan\u2019da tek yasal \u00f6deme arac\u0131d\u0131r ve giri\u015fimciler i\u00e7in fiyatlar\u0131n belirtilmesine ili\u015fkin ayr\u0131 kurallar ge\u00e7erlidir. Bu nedenle s\u00f6zle\u015fmede, y\u00fck\u00fcml\u00fcl\u00fck tutar\u0131, para birimi \u015fart\u0131, uygulanacak d\u00f6viz kuru ve fiili \u00f6demenin yap\u0131laca\u011f\u0131 para birimi kesin olarak belirtilmelidir. Bu ko\u015fullar, para g\u00f6nderilmeden \u00f6nce bir G\u00fcrc\u00fc avukat ve banka ile teyit edilmelidir.<\/p>\n\n\n\n<p>Para birimi konusu pratik a\u00e7\u0131dan da \u00f6nemlidir: <strong>S\u00f6zle\u015fmede belirtilen para biriminden farkl\u0131 bir para biriminde para transferi yap\u0131l\u0131rsa<\/strong>, \u00f6nceden onay al\u0131nmadan, ek para birimi d\u00f6n\u00fc\u015ft\u00fcrmeleri, istenmeyen kur kay\u0131plar\u0131 veya para yat\u0131rma s\u0131ras\u0131nda teknik sorunlar ya\u015fanabilir.<\/p>\n\n\n\n<p>\u00d6deme para biriminin se\u00e7imi \u00fc\u00e7 fakt\u00f6re ba\u011fl\u0131d\u0131r: s\u00f6zle\u015fmedeki fiyat\u0131n hangi para biriminde belirtildi\u011fi, sat\u0131c\u0131n\u0131n hesab\u0131n\u0131n hangi para biriminde a\u00e7\u0131ld\u0131\u011f\u0131 ve belirli bir al\u0131c\u0131 i\u00e7in komisyonlar ve d\u00f6viz \u00e7evrimi a\u00e7\u0131s\u0131ndan hangi para biriminin daha uygun oldu\u011fu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c7ift d\u00f6n\u00fc\u015ft\u00fcrme<\/h3>\n\n\n\n<p>Al\u0131c\u0131n\u0131n paras\u0131 euro cinsindeyse, s\u00f6zle\u015fme dolar cinsindeyse ve sat\u0131c\u0131n\u0131n hesab\u0131 lari cinsindeyse, para transferi s\u0131ras\u0131nda bir d\u00f6viz \u00e7evirisi ka\u00e7\u0131n\u0131lmazd\u0131r; hatta iki kez \u00e7eviri bile s\u00f6z konusu olabilir. Her d\u00f6viz \u00e7evirisi, genellikle resmi referans kurundan daha d\u00fc\u015f\u00fck olan banka kuruna g\u00f6re yap\u0131l\u0131r. B\u00fcy\u00fck mebla\u011flarda toplam kay\u0131plar \u00f6nemli boyutlara ula\u015fabilir.<\/p>\n\n\n\n<p><strong>\u00c7ift d\u00f6n\u00fc\u015ft\u00fcrme s\u0131ras\u0131nda meydana gelen kay\u0131plara ili\u015fkin \u00f6rnek<\/strong><\/p>\n\n\n\n<p>Al\u0131c\u0131n\u0131n elinde 100.000 avro var, dairenin fiyat\u0131 dolar cinsinden belirlenmi\u015f ve sat\u0131c\u0131 \u00f6demeyi lari cinsinden bir hesaba kabul ediyor. Bu durumda para \u00f6nce avrodan dolara, ard\u0131ndan da dolardan lariye \u00e7evrilebilir.<\/p>\n\n\n\n<p>\u0130ki d\u00f6viz i\u015flemi s\u0131ras\u0131nda piyasa kuru ile banka kurlar\u0131 aras\u0131ndaki toplam fark, varsay\u0131msal olarak 2% olursa, kay\u0131p 2.000 \u20ac'ya ula\u015f\u0131r. Fark 3% oldu\u011funda ise kay\u0131p 3.000 \u20ac olur.<\/p>\n\n\n\n<p>Bu, bankalar taraf\u0131ndan belirlenen bir \u00fccret de\u011fildir; aksine, havale yapmadan \u00f6nce ger\u00e7ek d\u00f6viz kurunu \u00f6\u011frenmenin, al\u0131nacak toplam tutar\u0131 hesaplaman\u0131n ve m\u00fcmk\u00fcnse gereksiz d\u00f6viz \u00e7evrimlerinden ka\u00e7\u0131nman\u0131n \u00f6nemini g\u00f6steren bir \u00f6rnektir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Beklenen ve ger\u00e7ekle\u015fen kur aras\u0131ndaki fark<\/th><th>$50 000 tutar\u0131ndaki kay\u0131plar<\/th><th>$100 000 tutar\u0131ndaki kay\u0131plar<\/th><th>$150 000 tutar\u0131ndaki zararlar<\/th><\/tr><\/thead><tbody><tr><td>0,5%<\/td><td>$250<\/td><td>$500<\/td><td>$750<\/td><\/tr><tr><td>1%<\/td><td>$500<\/td><td>$1 000<\/td><td>$1 500<\/td><\/tr><tr><td>2%<\/td><td>$1 000<\/td><td>$2 000<\/td><td>$3 000<\/td><\/tr><tr><td>3%<\/td><td>$1 500<\/td><td>$3 000<\/td><td>$4 500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Tablo, belirli bir bankan\u0131n kurunu de\u011fil, matematiksel fark\u0131 g\u00f6stermektedir. Para transferi yapmadan \u00f6nce sadece resmi kuru de\u011fil, ayn\u0131 zamanda d\u00f6n\u00fc\u015ft\u00fcrme i\u015fleminden sonra sat\u0131c\u0131n\u0131n alaca\u011f\u0131 ger\u00e7ek tutar\u0131 da kar\u015f\u0131la\u015ft\u0131r\u0131n. Merkez Bankas\u0131\u2019n\u0131n resmi d\u00f6viz kuru sadece referans ama\u00e7l\u0131d\u0131r ve bankan\u0131n ticari d\u00f6viz kuru ile ayn\u0131 olmak zorunda de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Komisyonlar<\/h3>\n\n\n\n<p>Uluslararas\u0131 para transferinin tutar\u0131 birka\u00e7 unsurdan olu\u015fur:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>g\u00f6nderen bankan\u0131n komisyonu<\/strong> \u2014 havalenin i\u015flenmesi ve g\u00f6nderilmesi i\u00e7in tahsil edilir;<\/li>\n\n\n\n<li><strong>muhabir bankalar komisyonu<\/strong> \u2014 bir veya birka\u00e7 ara banka kendi paylar\u0131n\u0131 al\u0131koyabilir; ancak bu pay\u0131n tutar\u0131n\u0131 \u00f6nceden kesin olarak belirlemek her zaman m\u00fcmk\u00fcn olmayabilir;<\/li>\n\n\n\n<li><strong>al\u0131c\u0131 bankan\u0131n komisyonu<\/strong> \u2014 G\u00fcrcistan\u2019daki hesaba para yat\u0131r\u0131l\u0131rken tahsil edilir;<\/li>\n\n\n\n<li><strong>d\u00f6viz \u00e7evirisi<\/strong> \u2014 resmi d\u00f6viz kuru ile banka d\u00f6viz kuru aras\u0131ndaki fark.<\/li>\n<\/ul>\n\n\n\n<p>Komisyon da\u011f\u0131t\u0131m t\u00fcr\u00fc (OUR, SHA veya BEN), masraflar\u0131 kimin \u00fcstlenece\u011fini belirler. Se\u00e7im yap\u0131ld\u0131\u011f\u0131nda <strong>OUR<\/strong> G\u00f6nderici, komisyonlar\u0131n kendi taraf\u0131na ait oldu\u011funu beyan eder \u2014 bu, masraflar\u0131n ana tutardan d\u00fc\u015f\u00fclme olas\u0131l\u0131\u011f\u0131n\u0131 azalt\u0131r, ancak t\u00fcm muhabir g\u00fczerg\u00e2hlarda tam tutar\u0131n tahsil edilece\u011fini garanti etmez. Olas\u0131 eksikli\u011fi kimin kar\u015f\u0131layaca\u011f\u0131na ili\u015fkin \u015fart\u0131n s\u00f6zle\u015fmede a\u00e7\u0131k\u00e7a belirtilmesi daha iyidir. E\u011fer <strong>SHA<\/strong> Her iki taraf da kendi bankas\u0131na komisyon \u00f6der, ancak muhabir banka masraflar\u0131 nihai tutar\u0131 azaltabilir. E\u011fer <strong>BEN<\/strong> T\u00fcm komisyonlar havale tutar\u0131ndan d\u00fc\u015f\u00fcl\u00fcr ve sat\u0131c\u0131, g\u00f6nderilen tutardan daha az bir miktar al\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2396e8de-9e06-4906-bcae-6998d519706e_rezultat-1024x577.webp\" alt=\"G\u00fcrcistan&#039;a nas\u0131l para g\u00f6nderilir?\" class=\"wp-image-16193\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2396e8de-9e06-4906-bcae-6998d519706e_rezultat-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2396e8de-9e06-4906-bcae-6998d519706e_rezultat-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2396e8de-9e06-4906-bcae-6998d519706e_rezultat-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2396e8de-9e06-4906-bcae-6998d519706e_rezultat.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Tablo 3. \u00c7eviri \u00fccretinin bile\u015fenleri<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>T\u00fcketim<\/th><th>Kim kuruyor?<\/th><th>Ne zaman ortaya \u00e7\u0131karsa<\/th><th>\u00d6nceden nas\u0131l kontrol edilir?<\/th><\/tr><\/thead><tbody><tr><td>G\u00f6nderen bankan\u0131n komisyonu<\/td><td>Al\u0131c\u0131n\u0131n bankas\u0131<\/td><td>\u00c7evirinin ba\u015flat\u0131lmas\u0131 s\u0131ras\u0131nda<\/td><td>Bankan\u0131n \u00fccret tarifesi veya \u015fubeye telefon<\/td><\/tr><tr><td>Muhabir komisyonu<\/td><td>Ara banka<\/td><td>SWIFT zinciri \u00fczerinden ge\u00e7erken<\/td><td>Bankan\u0131zdan yakla\u015f\u0131k bir i\u015flem ak\u0131\u015f\u0131n\u0131 \u00f6\u011frenin; kesin tutar\u0131 \u00f6nceden bilmek zordur<\/td><\/tr><tr><td>Al\u0131c\u0131 bankan\u0131n komisyonu<\/td><td>Sat\u0131c\u0131n\u0131n G\u00fcrcistan\u2019daki bankas\u0131<\/td><td>Hesaba yat\u0131r\u0131ld\u0131\u011f\u0131nda<\/td><td>Sat\u0131c\u0131dan veya do\u011frudan al\u0131c\u0131 bankadan bilgi almak<\/td><\/tr><tr><td>D\u00f6viz \u00e7evirisi<\/td><td>D\u00f6n\u00fc\u015ft\u00fcrme i\u015flemini ger\u00e7ekle\u015ftiren banka<\/td><td>Para birimleri uyu\u015fmad\u0131\u011f\u0131nda<\/td><td>D\u00f6viz kurunu \u00f6nceden teyit edin; resmi kurla kar\u015f\u0131la\u015ft\u0131r\u0131n<\/td><\/tr><tr><td>D\u00f6viz kuru fark\u0131<\/td><td>Piyasa + banka spread'i<\/td><td>S\u00fcrekli<\/td><td>Hesaplama d\u00f6neminde kurunu takip etmek<\/td><\/tr><tr><td>Ek masraflar (belgelerin terc\u00fcmesi, apostil)<\/td><td>Noter, terc\u00fcman<\/td><td>Banka i\u00e7in belgeleri haz\u0131rlarken<\/td><td>Belgelerle ilgili gereklilikleri bankadan \u00f6\u011frenin<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Varsay\u0131msal \u00f6rnek:<\/strong> S\u00f6zle\u015fmeye g\u00f6re sat\u0131c\u0131n\u0131n tam olarak 100.000 dolar almas\u0131 gerekiyorsa, al\u0131c\u0131n\u0131n \u00f6nceden kendi bankas\u0131ndan ve sat\u0131c\u0131dan hangi komisyon t\u00fcr\u00fcn\u00fcn se\u00e7ildi\u011fini ve nihai tutar\u0131n daha az olmas\u0131 durumunda fark\u0131 kimin kar\u015f\u0131layaca\u011f\u0131n\u0131 \u00f6\u011frenmesi gerekir. Tam olarak 100.000 dolar\u0131n g\u00f6nderilmesinin, tam olarak bu tutar\u0131n hesaba yat\u0131r\u0131laca\u011f\u0131n\u0131 garanti edece\u011fini varsaymamak gerekir.<\/p>\n\n\n\n<p><strong>\u00c7eviri b\u00fct\u00e7esi hesaplama \u00f6rne\u011fi<\/strong><\/p>\n\n\n\n<p>S\u00f6zle\u015fmeye g\u00f6re sat\u0131c\u0131n\u0131n tam olarak $100 000 almas\u0131 gerekti\u011fini varsayal\u0131m. G\u00f6nderen banka $150 tutar\u0131nda komisyon bildirmektedir, ancak ara bankan\u0131n uygulayaca\u011f\u0131 kesin komisyon tutar\u0131 \u00f6nceden bilinmemektedir.<\/p>\n\n\n\n<p>SHA se\u00e7ene\u011finde, \u00f6rne\u011fin, muhabir banka havale tutar\u0131ndan masraflar\u0131n bir k\u0131sm\u0131n\u0131 kesebilir. $40 kesilirse, sat\u0131c\u0131 $99 960 alacakt\u0131r ve al\u0131c\u0131n\u0131n ek bir \u00f6deme yapmas\u0131 gerekecektir.<\/p>\n\n\n\n<p>OUR se\u00e7ene\u011finde komisyon genellikle ana tutar\u0131n \u00fczerine eklenerek g\u00f6nderen taraf\u0131ndan \u00f6denir. Bu durumda, al\u0131c\u0131n\u0131n hesab\u0131ndan $100 150 tutar\u0131 art\u0131 muhabir banka zinciri \u00fczerinden olu\u015fabilecek olas\u0131 ek masraflar \u00e7ekilebilir. Ancak OUR se\u00e7ene\u011fi bile, tam olarak $100 000 tutar\u0131n\u0131n al\u0131naca\u011f\u0131na dair mutlak bir garanti olarak alg\u0131lanmamal\u0131d\u0131r.<\/p>\n\n\n\n<p>\u00d6rnekteki rakamlar varsay\u0131msald\u0131r. Ger\u00e7ek \u00fccretleri, \u00f6demeyi g\u00f6ndermeden \u00f6nce bankadan \u00f6\u011frenmeniz gerekir.<\/p>\n\n\n\n<p>Somut \u00fccretler, bankaya, havale kanal\u0131na, para birimine ve havale tutar\u0131na g\u00f6re de\u011fi\u015fiklik g\u00f6sterir \u2014 havaleyi ger\u00e7ekle\u015ftirmeden \u00f6nce bunlar\u0131 do\u011frudan bankan\u0131zdan teyit ediniz. G\u00fcrcistan\u2019daki bankalardaki havale i\u015flemlerine ili\u015fkin g\u00fcncel bilgileri, \u00f6rne\u011fin \u015fu resmi web sitelerinde bulabilirsiniz: <a href=\"https:\/\/tbcbank.ge\/en\/transfers\" target=\"_blank\" rel=\"nofollow noopener\">TBC Bank\u2019\u0131n \u00e7eviri sayfas\u0131<\/a>.<\/p>\n\n\n\n<p>Uluslararas\u0131 havalenin s\u00fcresi, g\u00f6nderen bankaya, para birimine, talebin verildi\u011fi zamana, muhabir banka zincirine, tatil g\u00fcnlerine ve olas\u0131 uyum denetimine ba\u011fl\u0131d\u0131r. Banka yakla\u015f\u0131k bir s\u00fcre bildirebilir, ancak <strong>T\u00fcm kontroller tamamlanana kadar kay\u0131t tarihini garanti etmek genellikle m\u00fcmk\u00fcn de\u011fildir<\/strong>. G\u00fcncel bilgiler, bankan\u0131n resmi web sitesinden veya \u00f6deme i\u015flemi s\u0131ras\u0131nda teyit edilebilir. Bu nedenle, havaleyi s\u00f6zle\u015fmede belirtilen s\u00fcreye g\u00f6re biraz erken g\u00f6ndermek daha iyidir.<\/p>\n\n\n\n<p><strong>Ne kadar zaman ay\u0131rmak gerekir?<\/strong><\/p>\n\n\n\n<p>S\u0131radan bir uluslararas\u0131 havale i\u00e7in, \u00f6demeyi s\u00f6zle\u015fmede belirtilen son g\u00fcne ba\u011flamamak ak\u0131ll\u0131ca olacakt\u0131r. Banka, i\u015flem s\u00fcresinin yakla\u015f\u0131k olarak birka\u00e7 i\u015f g\u00fcn\u00fc olaca\u011f\u0131n\u0131 bildirmi\u015f olsa bile, muhabir banka, tatil g\u00fcnleri, saat dilimi farklar\u0131 veya uyum denetimleri nedeniyle i\u015flem daha uzun s\u00fcrebilir.<\/p>\n\n\n\n<p>B\u00fcy\u00fck tutarl\u0131 bir \u00f6demeyi, s\u00f6zle\u015fmede belirtilen tarihten en az 5\u20137 i\u015f g\u00fcn\u00fc \u00f6nce g\u00f6ndermek pratik olarak daha g\u00fcvenlidir. Havale, yapt\u0131r\u0131m veya uyum riski y\u00fcksek bir \u00fclkeden veya bankadan yap\u0131l\u0131yorsa, bu s\u00fcreyi daha da uzatmal\u0131 ve gecikme durumunda izlenecek prosed\u00fcr\u00fc sat\u0131c\u0131yla \u00f6nceden kararla\u015ft\u0131rmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n<p>Bu, paran\u0131n hesaba yat\u0131r\u0131lma s\u00fcresinin garantisi de\u011fildir: \u0130\u015flemin kesin g\u00fczerg\u00e2h\u0131 ve s\u00fcresi yaln\u0131zca havaleyi ger\u00e7ekle\u015ftiren banka taraf\u0131ndan teyit edilir.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Sahne<\/th><th>Pratik bir k\u0131lavuz<\/th><th>Ne, s\u00fcreyi uzatabilir?<\/th><\/tr><\/thead><tbody><tr><td>Para transferi \u00f6ncesinde banka taraf\u0131ndan belgelerin kontrol edilmesi<\/td><td>Bir i\u015f g\u00fcn\u00fc s\u00fcrer, ancak garanti verilmez<\/td><td>Ola\u011fand\u0131\u015f\u0131 bir tutar, yabanc\u0131 belgeler, ek talepler<\/td><\/tr><tr><td>G\u00f6nderen banka taraf\u0131ndan i\u015fleme<\/td><td>Ba\u015fvuru tarihine ve kurum i\u00e7i prosed\u00fcrlere ba\u011fl\u0131d\u0131r<\/td><td>Cut-off saatinden sonra yap\u0131lan ba\u015fvuru, hafta sonu veya tatil g\u00fcn\u00fc<\/td><\/tr><tr><td>Muhabir bankalar arac\u0131l\u0131\u011f\u0131yla i\u015flem<\/td><td>Tipik bir senaryoda birka\u00e7 i\u015f g\u00fcn\u00fc<\/td><td>Ek kontrol, yapt\u0131r\u0131m k\u0131s\u0131tlamalar\u0131, zorlu g\u00fczerg\u00e2h<\/td><\/tr><tr><td>Al\u0131c\u0131 banka taraf\u0131ndan hesaba yat\u0131r\u0131lmas\u0131<\/td><td>Al\u0131nd\u0131ktan ve kontrol\u00fc tamamland\u0131ktan sonra<\/td><td>S\u00f6zle\u015fme talebi veya fon kayna\u011f\u0131<\/td><\/tr><tr><td>Sat\u0131c\u0131dan onay al\u0131nmas\u0131<\/td><td>Genellikle para hesaba yans\u0131d\u0131ktan sonra<\/td><td>\u0130n\u015faat firmas\u0131nda muhasebe i\u015flemleri<\/td><\/tr><tr><td>S\u00f6zle\u015fmede belirtilen vade tarihine kadar \u00f6nerilen stok miktar\u0131<\/td><td>En az 5\u20137 i\u015f g\u00fcn\u00fc<\/td><td>Zorlu bir rota i\u00e7in yedek miktar\u0131 art\u0131rmak daha iyidir<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Bunlar planlama ama\u00e7l\u0131 k\u0131lavuz de\u011ferlerdir, garantili banka s\u00fcreleri de\u011fildir. S\u00f6zle\u015fmeyi imzalamadan \u00f6nce, belirli bir transfer y\u00f6n\u00fcn\u00fcn m\u00fcmk\u00fcn olup olmad\u0131\u011f\u0131n\u0131 bankaya teyit edin ve gecikme durumunda izlenecek prosed\u00fcr\u00fc s\u00f6zle\u015fmede belirtin.<\/p>\n\n\n\n<p><strong>Bankalar\u0131n i\u015flem s\u00fcrelerini g\u00f6z \u00f6n\u00fcnde bulundurun<\/strong><\/p>\n\n\n\n<p>Banka taraf\u0131ndan belirlenen \u00f6deme talebi kabul saatinden sonra g\u00f6nderilen uluslararas\u0131 havale, fiilen ancak bir sonraki i\u015f g\u00fcn\u00fc i\u015fleme al\u0131nabilir. Hafta sonlar\u0131 ve resmi tatiller, g\u00f6nderenin bulundu\u011fu \u00fclkede, muhabir bankan\u0131n bulundu\u011fu \u00fclkede ve G\u00fcrcistan\u2019da farkl\u0131l\u0131k g\u00f6sterebilir.<\/p>\n\n\n\n<p>B\u00fcy\u00fck bir \u00f6deme yapmadan \u00f6nce \u015funlar\u0131 kontrol edin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SWIFT talimatlar\u0131n\u0131n kabul saatleri;<\/li>\n\n\n\n<li>val\u00fctasyon tarihi;<\/li>\n\n\n\n<li>ertesi g\u00fcn, g\u00fczerg\u00e2h \u00fczerindeki t\u00fcm bankalar i\u00e7in i\u015f g\u00fcn\u00fc m\u00fc;<\/li>\n\n\n\n<li>banka belgeleri incelemeye ba\u015flad\u0131\u011f\u0131nda;<\/li>\n\n\n\n<li>S\u00f6zle\u015fmeyi \u00f6nceden uyum birimine iletmek m\u00fcmk\u00fcn m\u00fc?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00d6demenin amac\u0131n\u0131 do\u011fru \u015fekilde nas\u0131l belirtilir?<\/h2>\n\n\n\n<p>\u00d6deme a\u00e7\u0131klamas\u0131, genellikle formalite olarak doldurulan ya da hi\u00e7 doldurulmayan bir aland\u0131r. Pratikte ise \u00f6nemli bir i\u015flevi yerine getirir: paray\u0131 belirli bir i\u015flemle ili\u015fkilendirir ve bankan\u0131n, sat\u0131c\u0131n\u0131n ve al\u0131c\u0131n\u0131n i\u015flemi kesin olarak tan\u0131mlamas\u0131na yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<p>Atama a\u015fa\u011f\u0131dakilere uygun olmal\u0131d\u0131r: <strong>s\u00f6zle\u015fmeye<\/strong> (numara ve tarih), <strong>faturaya<\/strong> (e\u011fer sergileniyorsa), <strong>nesneye<\/strong> (daire veya parsel numaras\u0131), <strong>\u00f6deme t\u00fcr\u00fc<\/strong> (rezervasyon, ilk taksit, ara \u00f6deme, son \u00f6deme) ve <strong>m\u00fc\u015fterinin verileri<\/strong>.<\/p>\n\n\n\n<p>Uluslararas\u0131 havaleler genellikle \u0130ngilizce dilinde \u2014 Latin alfabesiyle \u2014 d\u00fczenlenir. \u0130\u015fte temel olarak kullanabilece\u011finiz \u00fc\u00e7 \u015fablon; ancak kullanmadan \u00f6nce mutlaka bankan\u0131zla ve sat\u0131c\u0131yla mutab\u0131k kalman\u0131z gerekir:<\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>1. [Tarih] tarihli ve [numara] say\u0131l\u0131 Gayrimenkul Al\u0131m-Sat\u0131m S\u00f6zle\u015fmesi kapsam\u0131nda, [numara] numaral\u0131 daire i\u00e7in al\u0131c\u0131 [ad\u0131]\u2019ya yap\u0131lan \u00f6deme.\n<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>2. [numara] say\u0131l\u0131 S\u00f6zle\u015fme kapsam\u0131nda, [numara] numaral\u0131 konut birimi i\u00e7in, al\u0131c\u0131 [ad\u0131] ad\u0131na yap\u0131lan taksit \u00f6demesi.\n<\/code><\/pre>\n\n\n\n<pre class=\"wp-block-code\"><code>3. [tarih] tarihli ve [numara] say\u0131l\u0131 Gayrimenkul Sat\u0131n Alma S\u00f6zle\u015fmesi kapsam\u0131nda yap\u0131lacak son \u00f6deme.\n<\/code><\/pre>\n\n\n\n<p>\u015eu t\u00fcr belirsiz ifadeler: <code>ki\u015fisel transfer<\/code> veya <code>hediye<\/code> Gayrimenkul \u00f6demeleri i\u00e7in uygun de\u011fildir \u2014 bu \u00f6deme y\u00f6ntemleri i\u015flemin \u00f6z\u00fcn\u00fc yans\u0131tmaz ve bankan\u0131n ek sorular sormas\u0131na neden olabilir.<\/p>\n\n\n\n<p><strong>S\u00f6zle\u015fme ve m\u00fclk numaras\u0131<\/strong> Sat\u0131c\u0131 ve in\u015faat firmas\u0131n\u0131n, gelen onlarca havale aras\u0131ndan \u00f6demeyi h\u0131zl\u0131 bir \u015fekilde tespit etmesini sa\u011flar. Bu durum \u00f6zellikle taksitli \u00f6demelerde \u00f6nemlidir: net bir \u00f6deme amac\u0131 belirtilmezse, in\u015faat firmas\u0131n\u0131n muhasebe departman\u0131 paray\u0131 yanl\u0131\u015f taksitte kayda ge\u00e7irebilir veya a\u00e7\u0131klama g\u00f6nderilmesini isteyebilir.<\/p>\n\n\n\n<p>\u00d6demenin maksimum uzunlu\u011fu, bankan\u0131n aray\u00fcz\u00fcne ve kullan\u0131lan \u00f6deme format\u0131na ba\u011fl\u0131d\u0131r. Metnin tamam\u0131 s\u0131\u011fmazsa, s\u00f6zle\u015fme numaras\u0131, nesne kimli\u011fi, \u00f6deme t\u00fcr\u00fc ve al\u0131c\u0131n\u0131n ad\u0131na \u00f6ncelik verilmelidir \u2014 bu durumda k\u0131salt\u0131lm\u0131\u015f ifadeyi \u00f6nceden banka ve sat\u0131c\u0131yla mutab\u0131k kal\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Para transferinden \u00f6nce s\u00f6zle\u015fmede nelere dikkat edilmelidir?<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Banka i\u015flemi, s\u00f6zle\u015fme \u015fartlar\u0131na uygun olmal\u0131d\u0131r. \u0130mzalamadan \u00f6nce, belgede a\u015fa\u011f\u0131dakilerin belirtildi\u011fini kontrol edin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>m\u00fclk\u00fcn tam fiyat\u0131;<\/li>\n\n\n\n<li>y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn para birimi ve fiili \u00f6demenin para birimi;<\/li>\n\n\n\n<li>d\u00f6viz kuru veya d\u00f6n\u00fc\u015ft\u00fcrme s\u0131ras\u0131nda bu kurun belirlenme y\u00f6ntemi;<\/li>\n\n\n\n<li>al\u0131c\u0131n\u0131n banka hesap bilgileri;<\/li>\n\n\n\n<li>e\u015ften, akrabadan veya \u015firketten yap\u0131lan \u00f6demenin kabul edilebilirli\u011fi;<\/li>\n\n\n\n<li>her bir \u00f6demenin t\u00fcr\u00fc: rezervasyon, avans, ilk taksit, ara \u00f6deme veya son \u00f6deme;<\/li>\n\n\n\n<li>banka ve muhabir komisyonlar\u0131n\u0131 kim \u00f6d\u00fcyor;<\/li>\n\n\n\n<li>Bor\u00e7, paran\u0131n hesab\u0131ndan \u00e7ekildi\u011fi anda m\u0131 yoksa sat\u0131c\u0131ya yat\u0131r\u0131ld\u0131ktan sonra m\u0131 yerine getirilmi\u015f say\u0131l\u0131r;<\/li>\n\n\n\n<li>banka havaleyi geciktirirse veya iade ederse ne olur;<\/li>\n\n\n\n<li>al\u0131c\u0131n\u0131n g\u00f6nderim teyidini sunabilece\u011fi s\u00fcre;<\/li>\n\n\n\n<li>bilgilerin de\u011fi\u015ftirilme prosed\u00fcr\u00fc;<\/li>\n\n\n\n<li>\u00d6demenin, s\u00f6zle\u015fmenin imzalanmas\u0131, m\u00fclk\u00fcn devri ve hak tesciliyle olan ili\u015fkisi.<\/li>\n<\/ul>\n\n\n\n<p>Y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn yerine getirildi\u011fi an\u0131 belirlemek \u00f6zellikle \u00f6nemlidir. S\u00f6zle\u015fme, yaln\u0131zca tutar\u0131n tamam\u0131n\u0131n fiilen hesaba yat\u0131r\u0131lmas\u0131n\u0131 \u00f6deme olarak kabul ediyorsa, komisyon kesintisi veya muhabir bankan\u0131n gecikmesi, al\u0131c\u0131 paray\u0131 zaman\u0131nda g\u00f6ndermi\u015f olsa bile, formalite a\u00e7\u0131s\u0131ndan eksik \u00f6deme veya gecikmeye yol a\u00e7abilir.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Yeni in\u015faat\u0131n \u00f6demesi ve taksitlendirme<\/h2>\n\n\n\n<p>Batum, Gonio veya Tiflis\u2019te bir in\u015faat firmas\u0131ndan daire sat\u0131n almak, genellikle pe\u015fin \u00f6deme, taksitli pe\u015finat veya ki\u015fiye \u00f6zel \u00f6deme plan\u0131 se\u00e7enekleri aras\u0131nda bir se\u00e7im yapmay\u0131 gerektirir. \u00d6deme yap\u0131s\u0131n\u0131n nas\u0131l i\u015fledi\u011fini anlamak, gayrimenkul se\u00e7imi a\u015famas\u0131nda bile \u00f6nemlidir.<\/p>\n\n\n\n<p><strong>Rezervasyon<\/strong> \u2014 Al\u0131c\u0131n\u0131n belirli bir daireyi rezerve etmesini sa\u011flayan ilk \u00f6deme. Rezervasyon ko\u015fullar\u0131 farkl\u0131l\u0131k g\u00f6sterir: \u00f6deme yapmadan \u00f6nce, belgede \u00f6demenin nas\u0131l adland\u0131r\u0131ld\u0131\u011f\u0131n\u0131, m\u00fclk\u00fcn bedeline dahil edilip edilmedi\u011fini, hangi durumlarda iade edildi\u011fini ve al\u0131c\u0131 veya sat\u0131c\u0131n\u0131n vazge\u00e7mesi durumunda ne gibi sonu\u00e7lar\u0131n do\u011faca\u011f\u0131n\u0131 kontrol etmek gerekir. \u00d6demenin niteli\u011fi \u2014 avans, kapora veya ba\u015fka bir t\u00fcr \u2014 yasal stat\u00fcs\u00fcn\u00fc belirler ve s\u00f6zle\u015fme metninden do\u011frudan anla\u015f\u0131l\u0131r.<\/p>\n\n\n\n<p><strong>\u0130lk taksit<\/strong> ve sonraki \u00f6demeler, in\u015faat a\u015famalar\u0131na veya takvime ba\u011fl\u0131 bir \u00f6deme plan\u0131na g\u00f6re yap\u0131l\u0131r. Her bir taksit i\u00e7in \u015funlar belirtilmelidir: sabit tutar, belirli bir tarih veya vade ba\u015flang\u0131\u00e7 ko\u015fulu, para birimi ve al\u0131c\u0131n\u0131n hesap bilgileri.<\/p>\n\n\n\n<p>Pratik ayr\u0131nt\u0131lardan biri: <strong>Proje markas\u0131 ile al\u0131c\u0131 t\u00fczel ki\u015filik ayn\u0131 olmayabilir<\/strong>. \u00d6rne\u011fin, projenin ad\u0131 \u201cBatumi Hills\u201d olup, hesap \u201cReal Estate Development LLC\u201d \u015firketine aittir. Her havale \u00f6ncesinde, al\u0131c\u0131n\u0131n t\u00fczel ad\u0131n\u0131n s\u00f6zle\u015fmenizde belirtilenle ayn\u0131 oldu\u011fundan emin olmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n<p>\u0130n\u015faat s\u00fcresinin uzamas\u0131 durumunda, \u015firketin hesap bilgileri, yeniden yap\u0131lanma, banka veya hesap de\u011fi\u015fikli\u011fi nedeniyle de\u011fi\u015febilir. <strong>Bilgilerde yap\u0131lan her t\u00fcrl\u00fc de\u011fi\u015fiklik, resmi belgeye g\u00f6re yeniden kontrol edilmelidir.<\/strong>, e-postadan veya mesajla\u015fma uygulamas\u0131ndan gelen bilgileri k\u00f6r\u00fc k\u00f6r\u00fcne kabul etmemek.<\/p>\n\n\n\n<p><strong>Her \u00f6deme sonras\u0131nda \u015funlar\u0131 saklay\u0131n:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00f6deme talimat\u0131;<\/li>\n\n\n\n<li>SWIFT onay\u0131;<\/li>\n\n\n\n<li>banka hesap \u00f6zeti;<\/li>\n\n\n\n<li>kay\u0131t bildirimi (e\u011fer in\u015faat firmas\u0131 g\u00f6nderiyorsa);<\/li>\n\n\n\n<li>in\u015faat firmas\u0131ndan al\u0131nan makbuz veya mutabakat tutana\u011f\u0131;<\/li>\n\n\n\n<li>grafikteki g\u00fcncellenmi\u015f bakiye.<\/li>\n<\/ul>\n\n\n\n<p>Bu ar\u015fiv, herhangi bir anla\u015fmazl\u0131k durumunda \u00f6deme ge\u00e7mi\u015fini h\u0131zl\u0131 bir \u015fekilde geri getirmeyi ve her bir \u00f6demenin yap\u0131ld\u0131\u011f\u0131n\u0131 kan\u0131tlamay\u0131 sa\u011flayacakt\u0131r.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>B\u00fct\u00e7enize ve \u00f6deme \u015feklinize uygun bir gayrimenkul se\u00e7in.<\/strong> The Residence ekibinin Batum, Gonio, Tiflis ve G\u00fcrcistan\u2019\u0131n di\u011fer b\u00f6lgelerinde size uygun konaklama se\u00e7eneklerini \u00f6nerebilmesi i\u00e7in l\u00fctfen birka\u00e7 soruyu yan\u0131tlay\u0131n. <a href=\"\/tr\/quiz\/\" target=\"_blank\">Gayrimenkul arama sayfas\u0131na git<\/a><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130kinci el piyasadan sat\u0131n alma<\/h2>\n\n\n\n<p>\u00d6zel bir sat\u0131c\u0131yla yap\u0131lan i\u015flemlerde baz\u0131 noktalara \u00f6zellikle dikkat etmek gerekir.<\/p>\n\n\n\n<p><strong>Kimlik ve m\u00fclkiyet hakk\u0131 kontrol\u00fc.<\/strong> Para transferi yapmadan \u00f6nce al\u0131c\u0131, sat\u0131c\u0131n\u0131n ger\u00e7ekten m\u00fclk\u00fcn yasal sahibi oldu\u011fundan emin olmal\u0131d\u0131r. Tapu d\u00f6k\u00fcm\u00fc, d\u00fczenlendi\u011fi tarihte Kamu Sicilinde kay\u0131tl\u0131 olan bilgileri yans\u0131t\u0131r: malik, tescilli haklar, k\u0131s\u0131tlamalar, rehinler ve di\u011fer kay\u0131tlar. Bu belge, do\u011frulama s\u00fcrecinde kilit \u00f6neme sahip olmakla birlikte, s\u00f6zle\u015fmenin incelenmesi, gayrimenkul\u00fcn ge\u00e7mi\u015fi ve di\u011fer hukuki risklerin de\u011ferlendirilmesinin yerini almaz.<\/p>\n\n\n\n<p><strong>Sat\u0131c\u0131n\u0131n kay\u0131t defterinde, s\u00f6zle\u015fmede ve banka hesap bilgilerinde ayn\u0131 ki\u015fi olmas\u0131.<\/strong> Kay\u0131t defterinde bir ki\u015fi, s\u00f6zle\u015fmede ba\u015fka bir ki\u015fi yer al\u0131rken, hesap bilgileri \u00fc\u00e7\u00fcnc\u00fc bir ki\u015fiye aitse, bu durum \u00fczerinde durup ayr\u0131nt\u0131l\u0131 olarak incelenmesi gereken bir konudur. Her t\u00fcrl\u00fc tutars\u0131zl\u0131\u011f\u0131n bir a\u00e7\u0131klamas\u0131 ve belgelere dayal\u0131 bir gerek\u00e7esi olmal\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>\u00d6deme zaman\u0131n\u0131n se\u00e7imi.<\/strong> S\u0131ralama: \u00f6nce para m\u0131, yoksa \u00f6nce kay\u0131t m\u0131? Bu sorunun tek bir cevab\u0131 yoktur. Bu, i\u015flemin yap\u0131s\u0131na, kay\u0131t y\u00f6ntemine ve taraflar\u0131n mutabakat\u0131na ba\u011fl\u0131d\u0131r. <strong>\u00d6deme ve kay\u0131t prosed\u00fcrleri s\u00f6zle\u015fmede belirtilmelidir.<\/strong> Kay\u0131t i\u015flemlerinin tamamlanmas\u0131na kadar tam \u00f6n \u00f6deme, al\u0131c\u0131 i\u00e7in risk olu\u015fturur; kay\u0131t sonras\u0131 \u00f6deme ise sat\u0131c\u0131 i\u00e7in risk olu\u015fturur. Taraflar, bu riski azaltacak bir mekanizma \u00fczerinde anla\u015fabilirler: \u00f6rne\u011fin, belirli bir i\u015flem i\u00e7in kullan\u0131labilir bir banka veya kay\u0131t hizmetinden yararlanmak ya da s\u00f6zle\u015fmede i\u015flem s\u0131ras\u0131n\u0131 ayr\u0131nt\u0131l\u0131 olarak belirlemek gibi. \u015eartl\u0131 emanetin varl\u0131\u011f\u0131 ve ko\u015fullar\u0131, ilgili banka, noter veya NAPR nezdinde kontrol edilmelidir; bu uygulama otomatik olarak ge\u00e7erli de\u011fildir.<\/p>\n\n\n\n<p><strong>M\u00fclkiyet hakk\u0131n\u0131n tescili ne kadar s\u00fcrer?<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Hakk\u0131n devri hesapland\u0131ktan sonra, bu i\u015flem Kamu Sicilinde tescil ettirilmelidir. NAPR\u2019nin resmi tarifelerine g\u00f6re, gayrimenkul hakk\u0131n\u0131n do\u011fmas\u0131, de\u011fi\u015fmesi veya sona ermesi durumlar\u0131nda tescil \u00fccreti \u015f\u00f6yledir:<\/p>\n<\/blockquote>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Son kay\u0131t tarihi <\/strong><\/td><td><strong>Devlet G\u00f6revi<\/strong><\/td><\/tr><tr><td>4 i\u015f g\u00fcn\u00fc<\/td><td>150 GEL<\/td><\/tr><tr><td>1 i\u015f g\u00fcn\u00fc<\/td><td>270 GEL<\/td><\/tr><tr><td>Ba\u015fvurunun yap\u0131ld\u0131\u011f\u0131 g\u00fcn<\/td><td>350 GEL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Kay\u0131t i\u00e7in sunulan s\u00f6zle\u015fmedeki taraflar\u0131n imzalar\u0131n\u0131n tasdiki i\u00e7in ayr\u0131 bir \u00fccret \u00f6denir \u2014 7 GEL. Kay\u0131t defterinden al\u0131nan elektronik \u00e7\u0131kt\u0131 standart s\u00fcre i\u00e7inde 13 GEL, bir i\u015f g\u00fcn\u00fc i\u00e7inde al\u0131nan bas\u0131l\u0131 \u00e7\u0131kt\u0131 ise 20 GEL tutar\u0131ndad\u0131r.<\/p>\n\n\n\n<p>Bu tutarlar, Kamu Sicili\u2019nin sundu\u011fu kamu hizmetlerine aittir. \u00c7eviri, hukuki destek, noter i\u015flemleri ve yabanc\u0131 belgelerin haz\u0131rlanmas\u0131 ayr\u0131 olarak \u00fccretlendirilir.<\/p>\n\n\n\n<p><strong>Temsilci arac\u0131l\u0131\u011f\u0131yla i\u015flem.<\/strong> Sat\u0131c\u0131, bir vekil arac\u0131l\u0131\u011f\u0131yla sat\u0131\u015f yap\u0131yorsa, vekaletnamenin ge\u00e7erlili\u011fini, yetki kapsam\u0131n\u0131 ve iptal edilip edilmedi\u011fini kontrol etmek gerekir.<\/p>\n\n\n\n<p>G\u00fcrcistan\u2019da gayrimenkul al\u0131m-sat\u0131m i\u015flemlerinin nas\u0131l yap\u0131ld\u0131\u011f\u0131na dair ayr\u0131nt\u0131lar \u2014 makalede <a href=\"\/tr\/guides\/how-to-buy-property-in-georgia-a-step-by-step-guide-for-foreigners\/\" target=\"_blank\">G\u00fcrcistan'da gayrimenkul nas\u0131l sat\u0131n al\u0131n\u0131r?<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Sat\u0131n alma i\u015flemini uzaktan nas\u0131l \u00f6deyebilirim?<\/h2>\n\n\n\n<p>G\u00fcrcistan\u2019da \u015fahsen oraya gitmeden gayrimenkul sat\u0131n almak yayg\u0131n bir uygulamad\u0131r. Uluslararas\u0131 banka havalesi, g\u00f6nderen banka, \u00f6deme para birimi, muhabir banka a\u011f\u0131 ve al\u0131c\u0131 banka bu t\u00fcr bir i\u015flemi destekliyorsa, i\u015flemin uzaktan \u00f6denmesine olanak tan\u0131r. Havale imk\u00e2n\u0131, s\u00f6zle\u015fme imzalanmadan ve \u00f6deme tarihi belirlenmeden \u00f6nce teyit edilmelidir. Genel olarak, bu t\u00fcr i\u015flemlerin organizasyonel y\u00f6n\u00fc, \u015fahsen haz\u0131r bulunmaya k\u0131yasla daha titiz bir haz\u0131rl\u0131k gerektirir.<\/p>\n\n\n\n<p><strong>Uzaktan i\u015flem<\/strong> Bu i\u015flem, vekaletname yoluyla bir temsilci arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilebilir. Vekaletname G\u00fcrcistan d\u0131\u015f\u0131nda d\u00fczenlenmi\u015fse, belirli bir i\u015flemin tescili i\u00e7in noter tasdiki, apostil veya tasdik, G\u00fcrc\u00fcceye \u00e7eviri ve yetki kapsam\u0131 ile ilgili gereklilikleri \u00f6nceden kontrol edin. Vekaletname, temsilcinin hangi i\u015flemleri yapma yetkisine sahip oldu\u011funu ve hangilerini yapamayaca\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a belirtmelidir. <strong>Temsilci, otomatik olarak toplam tutar\u0131n tamam\u0131n\u0131 alan ki\u015fi olmamal\u0131d\u0131r<\/strong>, e\u011fer bu durum, onaylanm\u0131\u015f i\u015flem yap\u0131s\u0131nda \u00f6ng\u00f6r\u00fclmemi\u015fse.<\/p>\n\n\n\n<p><strong>Belge al\u0131\u015fveri\u015fi<\/strong> Uzaktan sat\u0131n alma i\u015flemleri e-posta ve mesajla\u015fma uygulamalar\u0131 arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilir. \u0130\u015fte tam da bu noktada, kimlik bilgilerinin taklit edilmesi riski ortaya \u00e7\u0131kar: Doland\u0131r\u0131c\u0131lar yaz\u0131\u015fmalar\u0131 ele ge\u00e7irebilir veya in\u015faat firmas\u0131n\u0131 ya da emlak acentesini taklit eden sahte bir e-posta adresi olu\u015fturabilir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Uzaktan al\u0131\u015fveri\u015f yaparken, \u00f6deme bilgilerini iki farkl\u0131 yolla do\u011frulamak en iyisidir: resmi bir belge arac\u0131l\u0131\u011f\u0131yla ve sat\u0131c\u0131n\u0131n veya in\u015faat firmas\u0131n\u0131n \u00f6nceden bilinen ileti\u015fim bilgileri \u00fczerinden.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Kay\u0131t i\u015flemlerinin denetimi<\/strong> Uzaktan yap\u0131lan bir i\u015flemde bu sorumluluk genellikle bir temsilciye veya avukata verilir. Al\u0131c\u0131, paray\u0131 tam olarak ne zaman havale edece\u011fini \u2014 tescil i\u015fleminden \u00f6nce mi, sonra m\u0131 \u2014 ve tescilin nas\u0131l teyit edilece\u011fini \u00f6nceden anlamal\u0131d\u0131r.<\/p>\n\n\n\n<p>Uzaktan sat\u0131n alma hakk\u0131nda daha fazla bilgi i\u00e7in \u2014 makaleye g\u00f6z at\u0131n <a href=\"\/tr\/all\/how-to-buy-real-estate-in-georgia-remotely\/\" target=\"_blank\">G\u00fcrcistan\u2019da uzaktan gayrimenkul sat\u0131n almak<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Nakit ile gayrimenkul sat\u0131n alma<\/h2>\n\n\n\n<p>Nakit \u00f6deme imk\u00e2n\u0131 ve usul\u00fc, s\u00f6zle\u015fmede ayr\u0131 olarak kararla\u015ft\u0131r\u0131lmal\u0131 ve G\u00fcrcistan mevzuat\u0131 \u0131\u015f\u0131\u011f\u0131nda kontrol edilmelidir. Lari, G\u00fcrcistan\u2019da tek yasal \u00f6deme arac\u0131d\u0131r; bu nedenle yabanc\u0131 para birimiyle nakit \u00f6deme, genel olarak kabul edilebilir bir y\u00f6ntem olarak de\u011ferlendirilemez \u2014 ilgili gereklilikleri \u00f6nceden bir hukuk dan\u0131\u015fman\u0131na ve bankan\u0131za dan\u0131\u015fman\u0131z tavsiye edilir. Bunun yan\u0131 s\u0131ra, nakit \u00f6deme \u00f6nemli pratik zorluklar da beraberinde getirmektedir.<\/p>\n\n\n\n<p>G\u00fcrcistan\u2019a nakit para ve menkul k\u0131ymetlerin toplam de\u011feri 30.000 GEL\u2019i veya ba\u015fka bir para birimindeki kar\u015f\u0131l\u0131\u011f\u0131 a\u015fan miktarlarda \u00fclkeye giri\u015f veya \u00e7\u0131k\u0131\u015f\u0131nda, beyan zorunlulu\u011fu bulunmaktad\u0131r. Ayr\u0131ca, paran\u0131n \u00e7\u0131kar\u0131ld\u0131\u011f\u0131 \u00fclkenin kurallar\u0131n\u0131 da ayr\u0131 olarak kontrol etmeniz gerekir: bu \u00fclkedeki beyan e\u015fi\u011fi ve beyan prosed\u00fcr\u00fc farkl\u0131 olabilir.<\/p>\n\n\n\n<p>Beyan etmeme veya hatal\u0131 beyan, sadece s\u0131n\u0131rda paran\u0131n al\u0131konulmas\u0131na yol a\u00e7mayabilir. G\u00fcmr\u00fck Kanunu\u2019na g\u00f6re:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>30.000 ile 50.000 GEL aras\u0131ndaki tutarlar i\u00e7in \u2014 3.000 GEL para cezas\u0131 veya el koyma;<\/li>\n\n\n\n<li>50.000 ile 100.000 GEL aras\u0131ndaki tutarlar i\u00e7in \u2014 5.000 GEL para cezas\u0131 veya el koyma;<\/li>\n\n\n\n<li>100.000 GEL\u2019i a\u015fan tutarlar i\u00e7in \u2014 ilgili tutar\u0131n 10% tutar\u0131nda para cezas\u0131 veya el koyma.<\/li>\n<\/ul>\n\n\n\n<p>Bu nedenle, nakit \u00f6deme y\u00f6ntemi, banka kontrol\u00fcnden ka\u00e7\u0131nman\u0131n basit bir yolu olarak de\u011ferlendirilemez.<\/p>\n\n\n\n<p>G\u00fcmr\u00fck beyan\u0131n\u0131n do\u011fru bir \u015fekilde yap\u0131lmas\u0131 bile, paran\u0131n kayna\u011f\u0131n\u0131n teyit edilmesinin yerini tutmaz. Nakit para daha sonra bir banka hesab\u0131na yat\u0131r\u0131l\u0131rsa, banka paran\u0131n kayna\u011f\u0131n\u0131 ve hareketlerini g\u00f6steren belgeleri talep etme hakk\u0131na sahiptir.<\/p>\n\n\n\n<p>Hesaba yat\u0131rmak veya bir i\u015flemin \u00f6demesini yapmak \u00fczere nakit kabul eden banka, havale i\u015flemlerinde oldu\u011fu gibi, paran\u0131n kayna\u011f\u0131na ili\u015fkin teyit talep etme hakk\u0131na sahiptir. <strong>B\u00fcy\u00fck mebla\u011flar\u0131n nakliyesinin g\u00fcvenli\u011fi tamamen al\u0131c\u0131ya aittir.<\/strong><\/p>\n\n\n\n<p>Bir ba\u015fka zorluk da belgeleme s\u00fcrecidir. Nakit al\u0131m\u0131na ili\u015fkin makbuz veya taahh\u00fctname, \u00f6demeyi s\u00f6zle\u015fmeyle a\u00e7\u0131k\u00e7a ili\u015fkilendirmelidir. Bir ihtilaf ortaya \u00e7\u0131kt\u0131\u011f\u0131nda, nakit \u00f6deme yap\u0131ld\u0131\u011f\u0131n\u0131 kan\u0131tlamak, banka onay\u0131 oldu\u011funda oldu\u011fundan daha zordur.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Kripto para ile gayrimenkul sat\u0131n alma<\/h2>\n\n\n\n<p>Sanal varl\u0131klar, G\u00fcrcistan\u2019da yasal bir \u00f6deme arac\u0131 de\u011fildir. Yasa, sanal varl\u0131klarla hizmet sunumu i\u00e7in gerekli olan \u00f6zel durumlar haricinde, mal ve hizmetlerin \u00f6denmesinde sanal varl\u0131klar\u0131n kullan\u0131lmas\u0131n\u0131 yasaklamaktad\u0131r. Bu nedenle, bir daire i\u00e7in do\u011frudan kripto para ile \u00f6deme yap\u0131lmas\u0131, ola\u011fan ve yasal bir \u00f6deme y\u00f6ntemi olarak nitelendirilmemelidir.<\/p>\n\n\n\n<p>Sermaye kripto para biriminde tutuluyorsa, pratikte izlenecek yol genellikle ilgili hizmetleri sunma yetkisine sahip bir sa\u011flay\u0131c\u0131 arac\u0131l\u0131\u011f\u0131yla fiat para birimine d\u00f6n\u00fc\u015ft\u00fcrmeyi i\u00e7erir. Merkez Bankas\u0131, VASP\u2019lerin d\u00fczenlenmesi ve tesciliyle ilgilenmekte olup, kay\u0131t d\u0131\u015f\u0131 sa\u011flay\u0131c\u0131larla \u00e7al\u0131\u015fman\u0131n riskleri konusunda ayr\u0131 bir uyar\u0131da bulunmaktad\u0131r.<\/p>\n\n\n\n<p><strong>D\u00f6n\u00fc\u015ft\u00fcrme i\u015fleminden \u00f6nce \u015funlar\u0131 kontrol etmeniz gerekir:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130nternet servis sa\u011flay\u0131c\u0131s\u0131 G\u00fcrcistan Merkez Bankas\u0131\u2019na kay\u0131tl\u0131 m\u0131;<\/li>\n\n\n\n<li>i\u015flemin kan\u0131t\u0131n\u0131 sunabilecek mi;<\/li>\n\n\n\n<li>fiat paran\u0131n kimin ad\u0131na yat\u0131r\u0131laca\u011f\u0131;<\/li>\n\n\n\n<li>Banka, kripto varl\u0131klar\u0131n men\u015feine ili\u015fkin belgeleri kabul edecek mi;<\/li>\n\n\n\n<li>Al\u0131c\u0131n\u0131n vergi ikametgah\u0131 olan \u00fclkede hangi vergi sonu\u00e7lar\u0131 ortaya \u00e7\u0131kar?<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c7eviri gecikirse ne yapmal\u0131?<\/h2>\n\n\n\n<p>Uluslararas\u0131 havale, her ne kadar do\u011fru \u015fekilde d\u00fczenlenmi\u015f olsa bile, banka kontrol\u00fc, belgelerin netle\u015ftirilmesi, hesap bilgilerindeki hatalar veya di\u011fer nedenlerle ge\u00e7ici olarak gecikebilir. A\u015fa\u011f\u0131da, gecikmenin nedenini daha h\u0131zl\u0131 bir \u015fekilde anlaman\u0131za ve sonraki ad\u0131mlar i\u00e7in do\u011fru prosed\u00fcr\u00fc belirlemenize yard\u0131mc\u0131 olacak en yayg\u0131n durumlar ve al\u0131nabilecek \u00f6nlemler ele al\u0131nmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">S\u0131k kar\u015f\u0131la\u015f\u0131lan gecikme durumlar\u0131 ve izlenecek prosed\u00fcr<\/h3>\n\n\n\n<p><strong>\u00c7eviri \u015fu anda inceleniyor<\/strong><\/p>\n\n\n\n<p>G\u00f6nderen banka veya muhabir banka, i\u015flemle ilgili ek belgeler talep edebilir \u2014 bu standart bir prosed\u00fcrd\u00fcr, pani\u011fe gerek yoktur. \u00d6nerilenler:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>g\u00f6nderen banka ile ileti\u015fime ge\u00e7ip durumunu \u00f6\u011frenmek;<\/li>\n\n\n\n<li>s\u00f6zle\u015fmeyi ve i\u015flemle ilgili belgeleri sunmak;<\/li>\n\n\n\n<li>sat\u0131c\u0131ya olas\u0131 bir gecikme konusunda yaz\u0131l\u0131 olarak bilgi vermek;<\/li>\n\n\n\n<li>t\u00fcm ba\u011flant\u0131lar\u0131 sabitlemek.<\/li>\n<\/ul>\n\n\n\n<p><strong>Al\u0131c\u0131 daha az ald\u0131<\/strong><\/p>\n\n\n\n<p>Olas\u0131 nedenler: muhabir bankalar\u0131n komisyonu, se\u00e7ilen komisyon da\u011f\u0131t\u0131m t\u00fcr\u00fc (SHA veya BEN), d\u00f6viz \u00e7evrimi. Yap\u0131lmas\u0131 gerekenler:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kendi bankas\u0131ndan i\u015flemin ayr\u0131nt\u0131l\u0131 hesaplamas\u0131n\u0131 almak;<\/li>\n\n\n\n<li>eksik tutar\u0131n nas\u0131l tamamlanaca\u011f\u0131 konusunda sat\u0131c\u0131yla mutab\u0131k kalmak.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c7eviri geri g\u00f6nderildi<\/strong><\/p>\n\n\n\n<p>Olas\u0131 nedenler: hesap bilgileri hatas\u0131, al\u0131c\u0131n\u0131n ad\u0131nda uyu\u015fmazl\u0131k, muhabir bankan\u0131n k\u0131s\u0131tlamalar\u0131, eksik belgeler. \u00d6deme iadesi durumunda, bankadan kesin nedeni \u00f6\u011frenmeli, hatay\u0131 d\u00fczeltmeli ve \u00f6demeyi tekrarlamal\u0131s\u0131n\u0131z. Dikkat: \u0130ade durumunda komisyon kesintisi yap\u0131labilir.<\/p>\n\n\n\n<p><strong>Hesap bilgileri de\u011fi\u015fti<\/strong><\/p>\n\n\n\n<p>Sat\u0131c\u0131 veya in\u015faat firmas\u0131, hesap bilgilerinin de\u011fi\u015fti\u011fini bildirirse, bu, en yayg\u0131n doland\u0131r\u0131c\u0131l\u0131k senaryolar\u0131ndan biridir (Business Email Compromise). <strong>Resmi bir belge arac\u0131l\u0131\u011f\u0131yla ve \u00f6nceden bilinen, elektronik olmayan bir kanal \u00fczerinden ba\u011f\u0131ms\u0131z bir \u015fekilde yeniden do\u011frulama yap\u0131lana kadar yeni hesap bilgilerine para g\u00f6ndermeyin.<\/strong> \u2014 \u00f6rne\u011fin, resmi web sitesinden bir telefon numaras\u0131na yap\u0131lan arama.<\/p>\n\n\n\n<p><strong>Sat\u0131c\u0131, teslimat\u0131 onaylam\u0131yor<\/strong><\/p>\n\n\n\n<p>Kendi taraf\u0131n\u0131za ait kan\u0131tlar\u0131 toplay\u0131n: \u00f6deme emri, SWIFT kopyas\u0131, banka ekstresi, yaz\u0131\u015fmalar. Banka arac\u0131l\u0131\u011f\u0131yla \u00f6deme takibi (payment trace) ba\u015flat\u0131labilir. Anla\u015fmazl\u0131k durumunda bir avukata ba\u015fvurman\u0131z tavsiye edilir \u2014 banka, \u00f6demenin ger\u00e7ekle\u015ftirildi\u011fine dair resmi bir teyit sunabilir, ancak i\u015flem taraflar\u0131 aras\u0131ndaki anla\u015fmazl\u0131klar\u0131n \u00e7\u00f6z\u00fclmesi i\u00e7in ayr\u0131 bir hukuki yard\u0131m gereklidir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">En s\u0131k yap\u0131lan hatalar<\/h2>\n\n\n\n<p>G\u00fcrcistan\u2019da gayrimenkul sat\u0131n almak i\u00e7in para transferi yaparken kar\u015f\u0131la\u015f\u0131lan sorunlar\u0131n \u00e7o\u011fu, bankalar\u0131n teknik aksakl\u0131klar\u0131ndan de\u011fil, yeterli haz\u0131rl\u0131k yap\u0131lmamas\u0131ndan kaynaklanmaktad\u0131r. \u0130\u015fte en s\u0131k rastlanan on hata:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>M\u00fclk ve sat\u0131c\u0131 do\u011frulanana kadar para g\u00f6nderimi.<\/strong> Para transferi geri al\u0131namaz bir i\u015flemdir. Sat\u0131c\u0131n\u0131n m\u00fclkiyet hakk\u0131n\u0131, \u00f6deme yapmadan \u00f6nce do\u011frulaman\u0131z gerekir.<\/li>\n\n\n\n<li><strong>Yaln\u0131zca mesajla\u015fma uygulamas\u0131ndaki ileti\u015fim bilgilerinin kullan\u0131lmas\u0131.<\/strong> Bilgiler her zaman resmi belgeyle kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/li>\n\n\n\n<li><strong>Hesap sahibi ile s\u00f6zle\u015fmedeki sat\u0131c\u0131 aras\u0131nda uyu\u015fmazl\u0131k.<\/strong> Herhangi bir tutars\u0131zl\u0131k, bir a\u00e7\u0131klama gerektirir.<\/li>\n\n\n\n<li><strong>\u00d6deme amac\u0131n\u0131n belirsiz veya bo\u015f olmas\u0131.<\/strong> \u201cTransfer\u201d ifadesi, paray\u0131 i\u015flemle ili\u015fkilendirmez.<\/li>\n\n\n\n<li><strong>Kaynaklar\u0131n men\u015feine ili\u015fkin belgelerin bulunmamas\u0131.<\/strong> Banka, bunlar\u0131 istedi\u011fi zaman talep etme hakk\u0131na sahiptir.<\/li>\n\n\n\n<li><strong>Muhabir bankalar\u0131n komisyonlar\u0131n\u0131n g\u00f6z ard\u0131 edilmesi.<\/strong> Al\u0131c\u0131, s\u00f6zle\u015fmede belirtilen tutardan daha az bir miktar alabilir.<\/li>\n\n\n\n<li><strong>Onay al\u0131nmadan yanl\u0131\u015f para biriminde \u00f6deme yap\u0131lmas\u0131.<\/strong> \u0130stenmeyen bir d\u00f6n\u00fc\u015ft\u00fcrme, s\u00f6zle\u015fme \u015fartlar\u0131n\u0131 ihlal edebilir.<\/li>\n\n\n\n<li><strong>Uyum denetimini atlatmak amac\u0131yla \u00f6demenin par\u00e7alara b\u00f6l\u00fcnmesi.<\/strong> Bu, durumu daha da zorla\u015ft\u0131r\u0131yor, kolayla\u015ft\u0131rm\u0131yor.<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fme temeli olmaks\u0131z\u0131n arac\u0131ya yap\u0131lan transfer.<\/strong> Uygun bir s\u00f6zle\u015fme olmaks\u0131z\u0131n bir acenteye veya y\u00f6neticiye g\u00f6nderilen paralar, hukuki belirsizli\u011fe yol a\u00e7ar.<\/li>\n\n\n\n<li><strong>Kay\u0131t onay\u0131 ve mutabakat tutana\u011f\u0131n\u0131n bulunmamas\u0131.<\/strong> Sat\u0131c\u0131dan yaz\u0131l\u0131 bir teyit al\u0131nmad\u0131k\u00e7a, \u00f6deme i\u015flemi belgelere g\u00f6re tamamlanm\u0131\u015f say\u0131lmaz.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u00d6deme \u00d6ncesi Kontrol Listesi<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1-1024x577.webp\" alt=\"G\u00fcrcistan&#039;a nas\u0131l para g\u00f6nderilir?\" class=\"wp-image-16195\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/0a753c48-21cc-4935-8d1b-3810e7d59732_rezultat-1.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Bu listeyi, her \u00e7eviriden \u00f6nce son bir kontrol olarak kullan\u0131n.<\/p>\n\n\n\n<p><strong>M\u00fclk ve sat\u0131c\u0131:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> M\u00fclk incelenmi\u015f ve m\u00fclkiyet hakk\u0131 tapu sicilinden al\u0131nan belge ile teyit edilmi\u015ftir<\/li>\n\n\n\n<li> Sat\u0131c\u0131 veya in\u015faat firmas\u0131n\u0131n kimli\u011fi tespit edilmi\u015ftir; t\u00fczel ad\u0131 s\u00f6zle\u015fmedekiyle ayn\u0131d\u0131r<\/li>\n\n\n\n<li> \u0130kinci el piyasas\u0131nda, herhangi bir y\u00fck\u00fcml\u00fcl\u00fck ve rehin bulunmad\u0131\u011f\u0131 teyit edilmi\u015ftir<\/li>\n<\/ul>\n\n\n\n<p><strong>Belgeler:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> S\u00f6zle\u015fme imzaland\u0131 m\u0131 veya \u00fczerinde mutabakat sa\u011fland\u0131 m\u0131?<\/li>\n\n\n\n<li> Fatura veya \u00f6deme plan\u0131 al\u0131nd\u0131<\/li>\n\n\n\n<li> Kaynaklar\u0131n men\u015feine ili\u015fkin belgeler haz\u0131rland\u0131<\/li>\n\n\n\n<li> \u00d6deyen ki\u015fiye ait belge (g\u00f6nderici ile al\u0131c\u0131 farkl\u0131ysa) haz\u0131r<\/li>\n<\/ul>\n\n\n\n<p><strong>Hesap bilgileri:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> IBAN, sadece yaz\u0131\u015fmalarla de\u011fil, resmi belgeyle de kar\u015f\u0131la\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r<\/li>\n\n\n\n<li> SWIFT\/BIC do\u011frulanm\u0131\u015ft\u0131r<\/li>\n\n\n\n<li> Al\u0131c\u0131n\u0131n t\u00fczel ad\u0131 s\u00f6zle\u015fmedeki adla ayn\u0131d\u0131r<\/li>\n\n\n\n<li> Al\u0131c\u0131n\u0131n hesap para birimi netle\u015ftirildi<\/li>\n\n\n\n<li> \u00d6deme amac\u0131, banka ve sat\u0131c\u0131 ile mutab\u0131k kal\u0131nm\u0131\u015ft\u0131r<\/li>\n<\/ul>\n\n\n\n<p><strong>Mali y\u00f6n:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> G\u00f6nderici bankan\u0131n komisyonlar\u0131 netle\u015ftirildi<\/li>\n\n\n\n<li> Komisyon t\u00fcr\u00fc (OUR\/SHA\/BEN) belirlenmi\u015f ve sat\u0131c\u0131yla mutab\u0131k kal\u0131nm\u0131\u015ft\u0131r<\/li>\n\n\n\n<li> Havale tutar\u0131, muhabir bankalar taraf\u0131ndan yap\u0131labilecek olas\u0131 kesintileri dikkate almaktad\u0131r<\/li>\n\n\n\n<li> \u00c7eviri s\u00fcresi, s\u00f6zle\u015fmede belirtilen tarihe yeti\u015fmeyi m\u00fcmk\u00fcn k\u0131lar<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00c7eviriden sonra:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li> SWIFT onay\u0131 veya \u00f6deme talimat\u0131 kaydedildi<\/li>\n\n\n\n<li> Banka ekstresi kaydedildi<\/li>\n\n\n\n<li> Sat\u0131c\u0131ya \u00f6deme bildirildi<\/li>\n\n\n\n<li> Kay\u0131t onay\u0131na ili\u015fkin yaz\u0131l\u0131 belge al\u0131nd\u0131<\/li>\n\n\n\n<li> \u00d6deme, s\u00f6zle\u015fme ve kay\u0131t i\u015flemleriyle ilgilidir<\/li>\n<\/ul>\n\n\n\n<p><strong>Tablo 4. Kim neyi do\u011fruluyor?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Belge<\/th><th>Bu da \u015funu do\u011frulamaktad\u0131r<\/th><th>Bunu do\u011frulamayan \u015fey<\/th><\/tr><\/thead><tbody><tr><td>Sat\u0131\u015f ve sat\u0131n alma s\u00f6zle\u015fmesi<\/td><td>\u0130\u015flemin dayana\u011f\u0131, tutar\u0131 ve ko\u015fullar\u0131<\/td><td>\u00d6deme ger\u00e7e\u011fi ve hak devri kendi ba\u015f\u0131na<\/td><\/tr><tr><td>Fatura<\/td><td>\u00d6deme tutar\u0131, ama\u00e7 ve \u00f6deme bilgileri<\/td><td>Sat\u0131c\u0131n\u0131n m\u00fclkiyet hakk\u0131<\/td><\/tr><tr><td>\u00d6deme talimat\u0131<\/td><td>Bankaya havale talimat\u0131n\u0131n iletilmesi<\/td><td>Sat\u0131c\u0131n\u0131n hesab\u0131na fiilen yat\u0131r\u0131lan tutar<\/td><\/tr><tr><td>SWIFT mesaj\u0131 veya banka belgesi<\/td><td>G\u00f6nderim ve \u00f6demenin banka yolunu<\/td><td>Gayrimenkul\u00fcn resmi tescili<\/td><\/tr><tr><td>Al\u0131c\u0131n\u0131n hesap \u00f6zeti<\/td><td>Hesaptan para \u00e7ekme<\/td><td>Sat\u0131c\u0131n\u0131n paray\u0131 almas\u0131<\/td><\/tr><tr><td>Sat\u0131c\u0131n\u0131n onay\u0131 veya mutabakat tutana\u011f\u0131<\/td><td>\u00d6demenin al\u0131nmas\u0131 ve muhasebele\u015ftirilmesi<\/td><td>M\u00fclkiyet hakk\u0131n\u0131n devri<\/td><\/tr><tr><td>Kamu Sicil Kayd\u0131'ndan al\u0131nan belge<\/td><td>Kay\u0131tl\u0131 malik ve kay\u0131tl\u0131 kay\u0131tlar<\/td><td>Taraflar aras\u0131ndaki \u00f6demelerin tam ge\u00e7mi\u015fi<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00d6deme talimat\u0131, talimat\u0131n bankaya iletildi\u011fini teyit ederken, SWIFT mesaj\u0131 veya banka belgesi ise havalenin g\u00f6nderildi\u011fini ve i\u015fleme durumunu teyit edebilir. Gerekirse banka, havalenin i\u015fleme durumuna ili\u015fkin ek bilgi sa\u011flayabilir. Paran\u0131n hesab\u0131na fiilen yat\u0131r\u0131ld\u0131\u011f\u0131n\u0131, al\u0131c\u0131 bankan\u0131n veya sat\u0131c\u0131n\u0131n hesap \u00f6zeti ya da yaz\u0131l\u0131 bildirimi ile ek olarak teyit etmek daha iyidir. Sat\u0131c\u0131n\u0131n onay\u0131, paran\u0131n fiilen al\u0131nd\u0131\u011f\u0131n\u0131 kan\u0131tlar. Devlet tescili, tescilli m\u00fclkiyet hakk\u0131n\u0131n do\u011fmas\u0131 anlam\u0131na gelir. Bu belgeler farkl\u0131 i\u015flevlere sahiptir ve birbirlerinin yerine ge\u00e7mezler.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Bir anla\u015fmay\u0131 kendinden emin bir \u015fekilde nas\u0131l sonu\u00e7land\u0131r\u0131l\u0131r?<\/h2>\n\n\n\n<p>\u00c7o\u011fu yabanc\u0131 al\u0131c\u0131 i\u00e7in en \u015feffaf \u00f6deme y\u00f6ntemi, onaylanm\u0131\u015f s\u00f6zle\u015fmede belirtilen hesap bilgilerine g\u00f6re sat\u0131c\u0131ya veya in\u015faat firmas\u0131na do\u011frudan banka havalesi yapmakt\u0131r.<\/p>\n\n\n\n<p>Para transferini ger\u00e7ekle\u015ftirmeden \u00f6nce, belgeleri banka ile mutab\u0131k kalman\u0131z, al\u0131c\u0131y\u0131, para birimini, komisyonlar\u0131 ve \u00f6deme amac\u0131n\u0131 kontrol etmeniz gerekir. \u00d6demeyi yapt\u0131ktan sonra banka onay belgelerini saklay\u0131n, sat\u0131c\u0131dan onay al\u0131n ve kay\u0131t i\u015flemlerinin tamamland\u0131\u011f\u0131ndan emin olun.<\/p>\n\n\n\n<p>The Residence ekibi, uygun bir gayrimenkul\u00fcn se\u00e7ilmesine yard\u0131mc\u0131 olabilir, sat\u0131c\u0131dan veya in\u015faat firmas\u0131ndan belgeleri ve hesap bilgilerini talep edebilir ve i\u015flem s\u00fcrecini d\u00fczenleyebilir. Para transferi karar\u0131 banka taraf\u0131ndan verilir; hukuki ve vergisel konular ise ilgili uzmanla bireysel dan\u0131\u015fma gerektirir.<\/p>","protected":false},"excerpt":{"rendered":"<p>G\u00fcrcistan\u2019da gayrimenkul sat\u0131n almak i\u00e7in para transferi genellikle iki \u015fekilde yap\u0131labilir [\u2026]<\/p>","protected":false},"author":14,"featured_media":16189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[174],"tags":[],"class_list":["post-16188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all"],"acf":[],"_links":{"self":[{"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16188","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/comments?post=16188"}],"version-history":[{"count":7,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16188\/revisions"}],"predecessor-version":[{"id":16202,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16188\/revisions\/16202"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/media\/16189"}],"wp:attachment":[{"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/media?parent=16188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/categories?post=16188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/tags?post=16188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}