{"id":16658,"date":"2026-08-14T08:41:08","date_gmt":"2026-08-14T05:41:08","guid":{"rendered":"https:\/\/residence-estate.ge\/?p=16658"},"modified":"2026-08-14T08:41:10","modified_gmt":"2026-08-14T05:41:10","slug":"mortgages-in-georgia-for-foreigners","status":"publish","type":"post","link":"https:\/\/residence-estate.ge\/tr\/all\/mortgages-in-georgia-for-foreigners\/","title":{"rendered":"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek"},"content":{"rendered":"<p>Bir yabanc\u0131, G\u00fcrcistan\u2019da ipotek kredisi alabilir \u2014 G\u00fcrc\u00fc bankalar\u0131 ger\u00e7ekten de bu t\u00fcr \u00fcr\u00fcnler sunmaktad\u0131r. Ancak, bir bankan\u0131n bu \u00fcr\u00fcn\u00fc sunmas\u0131 ile belirli bir m\u00fc\u015fteriye kredinin fiilen onaylanmas\u0131 farkl\u0131 konulard\u0131r. Karar, teyit edilen gelirin tutar\u0131 ve para birimi, ilk sermaye miktar\u0131, banka de\u011ferlendirmesine g\u00f6re gayrimenkul\u00fcn de\u011feri, bankan\u0131n kredi politikas\u0131 ve G\u00fcrcistan Merkez Bankas\u0131\u2019n\u0131n y\u00fcr\u00fcrl\u00fckteki d\u00fczenlemelerine ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p>Mortgage ko\u015fullar\u0131, \u201cX%\u2019den ba\u015flayan faiz oran\u0131, Y%\u2019den ba\u015flayan pe\u015finat\u201d \u015feklinde tek bir sat\u0131ra indirgenemez. Yurtd\u0131\u015f\u0131nda gelir elde eden yabanc\u0131 uyruklu bir ki\u015fi i\u00e7in kredi ko\u015fullar\u0131, bu gelirin para birimine de ba\u011fl\u0131d\u0131r \u2014 \u00f6zellikle 2026 y\u0131l\u0131ndaki d\u00fczenleyici de\u011fi\u015fiklikler g\u00f6z \u00f6n\u00fcnde bulunduruldu\u011funda. 1 Temmuz 2026 tarihinden itibaren <strong>G\u00fcrcistan Merkez Bankas\u0131 (National Bank of Georgia, bundan sonra NBG olarak an\u0131lacakt\u0131r)<\/strong> \u0130lgili d\u00f6viz geliriyle teminatland\u0131r\u0131lmam\u0131\u015f (unhedged) d\u00f6viz cinsinden krediler i\u00e7in e\u015fik de\u011feri revize etti: bu e\u015fik 1 000 000 GEL\u2019e y\u00fckseltildi. Bunun pratikte tam olarak ne anlama geldi\u011fi, ayr\u0131 bir b\u00f6l\u00fcmde ayr\u0131nt\u0131l\u0131 olarak ele al\u0131nm\u0131\u015ft\u0131r.<\/p>\n\n\n\n<p>Bu makalede, pratik bir inceleme yer almaktad\u0131r: Kimler kredi ba\u015fvurusunda bulunabilir, banka yabanc\u0131 gelirleri nas\u0131l de\u011ferlendirir, ger\u00e7ekte ne kadar kendi sermayeniz gerekecek, hangi belgeleri haz\u0131rlaman\u0131z gerekir, i\u015flem nas\u0131l ger\u00e7ekle\u015fir ve ne zaman in\u015faat firmas\u0131n\u0131n sundu\u011fu taksitli \u00f6deme se\u00e7ene\u011fi daha uygun bir alternatif olabilir.<\/p>\n\n\n\n<p><strong>G\u00fcrcistan\u2019da yabanc\u0131lar i\u00e7in ipotek: 1 dakikada \u00f6zet<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parametre<\/th><th>2026 y\u0131l\u0131nda bilinmesi gerekenler<\/th><\/tr><\/thead><tbody><tr><td>Bir yabanc\u0131 ipotek kredisi alabilir mi?<\/td><td>Evet, bankalar yurtd\u0131\u015f\u0131nda geliri olanlar da dahil olmak \u00fczere yabanc\u0131 kredi ba\u015fvuru sahiplerini de\u011ferlendiriyor<\/td><\/tr><tr><td>Oturma izni gerekli mi?<\/td><td>Bu, her durumda ge\u00e7erli bir zorunlu ko\u015ful de\u011fildir \u2014 bankaya ve \u00fcr\u00fcne g\u00f6re de\u011fi\u015fir<\/td><\/tr><tr><td>GEL cinsinden maksimum LTV (Loan-to-Value, kredi tutar\u0131n\u0131n teminat de\u011ferine oran\u0131)<\/td><td>Kadar <strong>90%<\/strong> teminat bedeli<\/td><\/tr><tr><td>Yabanc\u0131 para biriminde maksimum LTV<\/td><td>Kadar <strong>70%<\/strong><\/td><\/tr><tr><td>Kredi para biriminde ilgili gelir bulunmayan (unhedged) d\u00f6viz kredileri i\u00e7in e\u015fik de\u011feri<\/td><td><strong>1 000 000 GEL<\/strong> 1 Temmuz 2026 tarihinden itibaren<\/td><\/tr><tr><td>D\u00f6viz cinsinden ipotek i\u00e7in azami vade<\/td><td>Kadar <strong>10 y\u0131l<\/strong> yasal k\u0131s\u0131tlama nedeniyle<\/td><\/tr><tr><td>Para birimleri<\/td><td>GEL, USD, EUR \u2014 kullan\u0131labilirlik, gelire ve \u00fcr\u00fcne ba\u011fl\u0131d\u0131r<\/td><\/tr><tr><td>Halka a\u00e7\u0131k bahis \u00f6rne\u011fi<\/td><td>Halyk Bank Georgia: Yurtd\u0131\u015f\u0131nda geliri olan ki\u015filer i\u00e7in sunulan ipotek \u00fcr\u00fcn\u00fcne ili\u015fkin GEL cinsinden 10,5%, USD cinsinden 7% ve EUR cinsinden 5%\u2019den ba\u015flayan tutarlar<\/td><\/tr><tr><td>Halyk \u00f6rne\u011findeki ilk \u00f6deme<\/td><td>30%<\/td><\/tr><tr><td>Hak Kayd\u0131<\/td><td>4 i\u015f g\u00fcn\u00fc i\u00e7in 150 GEL, 1 i\u015f g\u00fcn\u00fc i\u00e7in 270 GEL, ba\u015fvuru g\u00fcn\u00fcnde 350 GEL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Bu, t\u00fcm yabanc\u0131lar i\u00e7in ge\u00e7erli tek tip ko\u015fullar de\u011fildir. NBG, d\u00fczenleyici s\u0131n\u0131rlar\u0131 belirler; ancak banka, fiili tutar\u0131, faiz oran\u0131n\u0131, vadeyi ve \u015fartlar\u0131 her bir durum i\u00e7in ayr\u0131 ayr\u0131 belirler.<\/p>\n<\/blockquote>\n\n\n\n<p>90%\/70% i\u00e7in ge\u00e7erli LTV limitleri G\u00fcrcistan Merkez Bankas\u0131 (NBG) taraf\u0131ndan teyit edilmektedir, <a href=\"https:\/\/nbg.gov.ge\/en\/media\/news\/financial-stability-and-monetary-policy-committees-decisi-3\" target=\"_blank\" rel=\"nofollow noopener\">1 milyon GEL\u2019lik yeni e\u015fik \u2014 NBG\u2019nin 2026 tarihli karar\u0131<\/a>, Halyk\u2019\u0131n ko\u015fullar\u0131 \u2014 bankan\u0131n resmi web sitesi, kay\u0131t \u00fccretleri \u2014 NAPR.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Bir yabanc\u0131, G\u00fcrcistan\u2019da konut kredisi alabilir mi?<\/h2>\n\n\n\n<p>Yabanc\u0131 vatanda\u015flar genel olarak G\u00fcrcistan\u2019da daire, ev ve tar\u0131m arazisi d\u0131\u015f\u0131nda kalan di\u011fer gayrimenkulleri sat\u0131n alabilir ve banka kredisi ba\u015fvurusunda bulunabilirler. Tar\u0131msal araziler i\u00e7in ise yabanc\u0131lara y\u00f6nelik k\u0131s\u0131tlamalar i\u00e7eren ayr\u0131 bir \u00f6zel rejim ge\u00e7erlidir. Ancak, konut ama\u00e7l\u0131 gayrimenkul sat\u0131n alma imk\u00e2n\u0131 ile bankan\u0131n kredi onay\u0131 ayn\u0131 \u015fey de\u011fildir. Banka, kredi politikas\u0131, m\u00fc\u015fterinin mali g\u00f6stergeleri ve gayrimenkul\u00fcn \u00f6zelliklerini dikkate alarak her bir kredi talebini ba\u011f\u0131ms\u0131z olarak de\u011ferlendirir.<\/p>\n\n\n\n<p>Vatanda\u015fl\u0131k tek ba\u015f\u0131na otomatik olarak kredi hakk\u0131 vermez. Bankan\u0131n ilgilendi\u011fi \u015fey pasaport de\u011fil, \u00f6deme g\u00fcc\u00fcd\u00fcr: gelirin ne kadar istikrarl\u0131 oldu\u011fu, belgelerle kan\u0131tlan\u0131p kan\u0131tlanamayaca\u011f\u0131, bor\u00e7 y\u00fck\u00fcn\u00fcn ne oldu\u011fu ve hangi varl\u0131\u011f\u0131n teminat olarak g\u00f6sterilece\u011fi.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Bir yabanc\u0131, G\u00fcrcistan\u2019da konut kredisi ba\u015fvurusunda bulunabilir; ancak kredi tutar\u0131 pasaporta g\u00f6re de\u011fil, teyit edilmi\u015f gelir, gelirin para birimi, teminat de\u011feri ve bankan\u0131n kredi politikas\u0131n\u0131n birle\u015fimine g\u00f6re belirlenir.<\/p>\n<\/blockquote>\n\n\n\n<p>Banka i\u00e7in \u00fc\u00e7 farkl\u0131 m\u00fc\u015fteri grubunu birbirinden ay\u0131rt etmek son derece \u00f6nemlidir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>G\u00fcrcistan\u2019da ya\u015fayan ve gelir elde eden yabanc\u0131 uyruklu ki\u015fi<\/strong> \u2014 Yerel banka ve vergi ge\u00e7mi\u015fine sahip olabilir ve ayr\u0131ca oturma izni de olabilir. <\/li>\n\n\n\n<li><strong>G\u00fcrcistan\u2019da ya\u015fayan, ancak yurtd\u0131\u015f\u0131ndan gelir elde eden yabanc\u0131 uyruklu ki\u015fi<\/strong> \u2014 fiziksel olarak \u00fclkede bulunsa da, banka gelirinin yabanc\u0131 kayna\u011f\u0131n\u0131 ve para birimini inceleyecektir. <\/li>\n\n\n\n<li><strong>Yurtd\u0131\u015f\u0131nda ya\u015fayan ve gelir elde eden yabanc\u0131 mukim olmayan ki\u015fi<\/strong> \u2014 Yerel mali ge\u00e7mi\u015fi yoktur ya da s\u0131n\u0131rl\u0131d\u0131r ve geliri yabanc\u0131 belgelerle teyit edilmektedir. <\/li>\n\n\n\n<li><strong>Yurtd\u0131\u015f\u0131nda \u00e7al\u0131\u015fan G\u00fcrcistan vatanda\u015f\u0131<\/strong> \u2014 baz\u0131 bankalar\u0131n g\u00f6\u00e7menlere y\u00f6nelik \u00f6zel \u00fcr\u00fcnler sundu\u011fu ayr\u0131 bir kategori.<\/li>\n<\/ul>\n\n\n\n<p>Bu ayr\u0131m son derece \u00f6nemlidir, \u00e7\u00fcnk\u00fc bankalar\u0131n web sayfalar\u0131n\u0131n bir k\u0131sm\u0131 \u2014 \u00f6rne\u011fin, TBC Bank\u2019\u0131n \u201cG\u00f6\u00e7menler i\u00e7in \u0130potek\u201d adl\u0131 ayr\u0131 program\u0131 \u2014 herhangi bir yabanc\u0131 i\u00e7in de\u011fil, \u00f6zellikle G\u00fcrc\u00fc g\u00f6\u00e7menler i\u00e7in ge\u00e7erli ko\u015fullar\u0131 a\u00e7\u0131klamaktad\u0131r. Bu t\u00fcr \u00fcr\u00fcnlerin ko\u015fullar\u0131n\u0131 yerle\u015fik olmayan bir yabanc\u0131ya uygulamak m\u00fcmk\u00fcn de\u011fildir.<\/p>\n\n\n\n<p><strong>OTURMA I\u0307ZNI\u0307<\/strong> G\u00fcrcistan\u2019da m\u00fc\u015fterinin stat\u00fcs\u00fcn\u00fc etkiler, ancak t\u00fcm bankalar i\u00e7in zorunlu bir ko\u015ful de\u011fildir. Baz\u0131 bankalar, istikrarl\u0131 bir gelirlerini kan\u0131tlayabilen, G\u00fcrcistan oturma izni olmayan m\u00fc\u015fterilerle de \u00e7al\u0131\u015fmaktad\u0131r. \u0130kamet stat\u00fcs\u00fcne ili\u015fkin somut \u015fartlar her banka taraf\u0131ndan ba\u011f\u0131ms\u0131z olarak belirlenir; bu \u015fartlar\u0131 ba\u015fvuru yapmadan hemen \u00f6nce netle\u015ftirmek gerekir.<\/p>\n\n\n\n<p>Oturma izninin varl\u0131\u011f\u0131 tek ba\u015f\u0131na \u00f6deme g\u00fcc\u00fcn\u00fcn kan\u0131t\u0131 yerine ge\u00e7mez. Ba\u015fvuruyu de\u011ferlendirirken banka, kendi kredi politikas\u0131na uygun olarak belgelerle teyit edilmi\u015f geliri, bor\u00e7 y\u00fck\u00fcn\u00fc, \u00f6z sermayeyi, teminat\u0131n \u00f6zelliklerini ve di\u011fer fakt\u00f6rleri de\u011ferlendirir. Gelir kayna\u011f\u0131 yurt d\u0131\u015f\u0131ndaysa, banka i\u015fveren, banka hesap \u00f6zetleri, vergi belgeleri, gelirin men\u015fe \u00fclkesi ve fon kayna\u011f\u0131na ili\u015fkin ek bir inceleme talep edebilir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potekle ilgili temel ko\u015fullar<\/h2>\n\n\n\n<p>Yabanc\u0131lar i\u00e7in ipotek s\u00f6z konusu oldu\u011funda, \u201c7%\u2019den ba\u015flayan faiz oran\u0131\u201d veya \u201c30% pe\u015finat\u201d gibi referanslar, genel piyasa parametreleri de\u011fil, belirli bir banka taraf\u0131ndan belirli bir m\u00fc\u015fteri grubu i\u00e7in sunulan belirli bir \u00fcr\u00fcn\u00fcn ko\u015fullar\u0131d\u0131r. Ger\u00e7ek ko\u015fullar, birbiriyle ili\u015fkili birka\u00e7 parametreden olu\u015fur.<\/p>\n\n\n\n<p><strong>PTI (Gelire G\u00f6re \u00d6deme)<\/strong> \u2014 Kredinin ayl\u0131k taksit tutar\u0131n\u0131n, bor\u00e7lunun teyit edilmi\u015f gelirine oran\u0131. Bu, bor\u00e7 y\u00fck\u00fcne ili\u015fkin d\u00fczenleyici bir g\u00f6stergedir: G\u00fcrcistan Merkez Bankas\u0131, <a href=\"https:\/\/nbg.gov.ge\/en\/media\/news\/the-national-bank-of-georgia-has-approved-the-regulation-on-responsible-lending-to-natural\" target=\"_blank\" rel=\"nofollow noopener\">sorumlu kredi verme d\u00fczenlemeleri<\/a> kredi verenin, bor\u00e7lunun \u00f6deme g\u00fcc\u00fcn\u00fc analiz etmesini gerektirir. Do\u011frulanm\u0131\u015f gelir ne kadar y\u00fcksekse, ge\u00e7erli PTI kapsam\u0131nda kabul edilebilir ayl\u0131k \u00f6deme tutar\u0131 da o kadar y\u00fcksek olabilir. Kredinin toplam tutar\u0131 ayr\u0131ca vade s\u00fcresine, faiz oran\u0131na, mevcut y\u00fck\u00fcml\u00fcl\u00fcklere, LTV oran\u0131na ve bankan\u0131n kredi politikas\u0131na da ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>NBG kurallar\u0131na g\u00f6re maksimum PTI<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Ayl\u0131k net gelir<\/th><th>Gelir para biriminin farkl\u0131 olmas\u0131 durumunda FX kredisi<\/th><th>Gelir para birimi ile ayn\u0131 para biriminde GEL kredisi veya FX kredisi<\/th><\/tr><\/thead><tbody><tr><td>1 500 GEL'den az<\/td><td>20%'ye kadar<\/td><td>25%'ye kadar<\/td><\/tr><tr><td>1.500 GEL ve \u00fczeri<\/td><td>30%'ye kadar<\/td><td>50%'ye kadar<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>PTI \u2014 d\u00fczenleyici \u00fcst s\u0131n\u0131r. Banka, daha ihtiyatl\u0131 bir limit uygulayabilir ve mevcut kredileri, gelir yap\u0131s\u0131n\u0131, kredi vadesini ve kendi risk modelini de dikkate alabilir.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>\u00d6rnek.<\/strong> Bor\u00e7lunun net ve teyit edilmi\u015f geliri ayl\u0131k 4 000 GEL\u2019dir. GEL cinsinden kredilerde d\u00fczenleyici PTI de\u011feri 50%'ye kadar \u00e7\u0131kabilir; yani bu s\u0131n\u0131r kapsam\u0131nda ayl\u0131k maksimum \u00f6deme tutar\u0131 2.000 GEL'dir. Ancak bu, bankan\u0131n herhangi bir tutarda kredi verece\u011fi anlam\u0131na gelmez: nihai limit, faiz oran\u0131, vade, mevcut y\u00fck\u00fcml\u00fcl\u00fckler ve se\u00e7ilen gayrimenkul\u00fcn LTV oran\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p>Bu nedenle, ipotek b\u00fct\u00e7esi her zaman ayn\u0131 anda iki s\u0131n\u0131rlay\u0131c\u0131 fakt\u00f6r taraf\u0131ndan belirlenir: <strong>gelirin elverdi\u011fi \u00f6l\u00e7\u00fcde (PTI)<\/strong> \u0438 <strong>teminat de\u011ferinin (LTV) izin verdi\u011fi \u00f6l\u00e7\u00fcde<\/strong>. Banka, bu fakt\u00f6rlerden daha k\u0131s\u0131tlay\u0131c\u0131 olan\u0131na g\u00f6re hareket eder.<\/p>\n\n\n\n<p><strong>LTV (Kredi-De\u011fer Oran\u0131)<\/strong> \u2014 Kredi tutar\u0131n\u0131n, banka taraf\u0131ndan belirlenen teminat de\u011ferine oran\u0131. G\u00fcrcistan Merkez Bankas\u0131, maksimum LTV oran\u0131n\u0131 <strong>90%, GEL cinsinden krediler i\u00e7in<\/strong> ve en fazla <strong>70%, d\u00f6viz cinsinden krediler i\u00e7in<\/strong>. Bu, d\u00fczenleyici bir \u00fcst s\u0131n\u0131rd\u0131r, garantili bir finansman pay\u0131 de\u011fildir: belirli bir banka, bor\u00e7lunun ve gayrimenkul\u00fcn profilini dikkate alarak daha d\u00fc\u015f\u00fck bir LTV oran\u0131 belirleyebilir.<\/p>\n\n\n\n<p><strong>Nominal oran<\/strong> \u2014 reklam teklifinde veya \u00fcr\u00fcnde belirtilen y\u00fczde. <strong>Etkin faiz oran\u0131<\/strong> \u2014 \u00dcr\u00fcn ko\u015fullar\u0131nda \u00f6ng\u00f6r\u00fclen zorunlu masraflar dikkate al\u0131nd\u0131\u011f\u0131nda kredinin ger\u00e7ek maliyeti. Bankalar\u0131n tekliflerini kar\u015f\u0131la\u015ft\u0131r\u0131rken sadece nominal faiz oran\u0131na de\u011fil, y\u0131ll\u0131k efektif faiz oran\u0131na da dikkat etmek gerekir.<\/p>\n\n\n\n<p><strong>\"7%\" oran\u0131 neden de\u011fi\u015febilir?<\/strong><\/p>\n\n\n\n<p>G\u00fcrcistan bankalar\u0131n\u0131n ipotek \u00fcr\u00fcnlerinde faiz oran\u0131 endeksli olabilir. \u00d6rne\u011fin, Halyk Bank Georgia \u015fu endekslemeyi belirtmektedir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>GEL \u2014 G\u00fcrcistan Merkez Bankas\u0131\u2019n\u0131n refinansman faiz oran\u0131na g\u00f6re;<\/li>\n\n\n\n<li>USD \u2014 6 ayl\u0131k vadeli SOFR\u2019a g\u00f6re;<\/li>\n\n\n\n<li>EUR \u2014 6 ayl\u0131k EURIBOR\u2019a g\u00f6re.<\/li>\n<\/ul>\n\n\n\n<p>Bu, ba\u015flang\u0131\u00e7 faiz oran\u0131n\u0131n ve kredinin gelecekteki de\u011ferinin ilgili endeksin de\u011fi\u015fimine ba\u011fl\u0131 olabilece\u011fi anlam\u0131na gelir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Bankalar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken, sadece \u201cX%\u2019den itibaren\u201d nominal faiz oran\u0131n\u0131 de\u011fil, ayn\u0131 zamanda efektif faiz oran\u0131n\u0131, kullan\u0131lan endeksi, banka marj\u0131n\u0131 ve faiz oran\u0131n\u0131n yeniden belirlenmesi ko\u015fullar\u0131n\u0131 da g\u00f6stermelerini isteyin.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Tablo 1. Kredi ko\u015fullar\u0131n\u0131 belirleyen fakt\u00f6rler<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parametre<\/th><th>Ne anlama geliyor?<\/th><th>Bir yabanc\u0131 i\u00e7in neden \u00f6nemlidir?<\/th><\/tr><\/thead><tbody><tr><td>Gelir<\/td><td>Bor\u00e7lunun teyit edilmi\u015f d\u00fczenli geliri<\/td><td>Kabul edilebilir PTI de\u011ferini belirler; toplam kredi tutar\u0131 ayr\u0131ca faiz oran\u0131na, vadeye ve LTV\u2019ye de ba\u011fl\u0131d\u0131r<\/td><\/tr><tr><td>Gelirin para birimi<\/td><td>GEL, USD, EUR veya ba\u015fka bir para birimi<\/td><td>Kredinin kullan\u0131labilir para birimini ve d\u00f6viz riski olup olmad\u0131\u011f\u0131n\u0131 etkiler<\/td><\/tr><tr><td>\u0130kamet stat\u00fcs\u00fc<\/td><td>Yerle\u015fik \/ Yerle\u015fik olmayan \/ Oturma \u0130zni<\/td><td>Belirli bir \u00fcr\u00fcn\u00fcn temin edilebilirli\u011fini ve belge paketi gerekliliklerini etkileyebilir<\/td><\/tr><tr><td>M\u00fclk\u00fcn de\u011feri<\/td><td>Sat\u0131n alma-sat\u0131\u015f s\u00f6zle\u015fmesindeki fiyat<\/td><td>\u0130lk taksit hesaplamas\u0131n\u0131n ba\u015flang\u0131\u00e7 noktas\u0131<\/td><\/tr><tr><td>Bankac\u0131l\u0131k De\u011ferlemesi<\/td><td>Banka taraf\u0131ndan belirlenen teminat bedeli<\/td><td>LTV tam da bu tutara g\u00f6re hesaplan\u0131r; s\u00f6zle\u015fme bedeli ile aras\u0131nda fark olmas\u0131 durumunda, bu fark al\u0131c\u0131 taraf\u0131ndan kar\u015f\u0131lan\u0131r<\/td><\/tr><tr><td>\u0130lk taksit<\/td><td>Al\u0131c\u0131n\u0131n \u00f6z sermayesi<\/td><td>Daha y\u00fcksek pe\u015finat, LTV oran\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr; ancak bu tek ba\u015f\u0131na kredinin onaylanaca\u011f\u0131n\u0131 garanti etmez<\/td><\/tr><tr><td>Kredi vadesi<\/td><td>Geri \u00f6deme s\u00fcresi (y\u0131l)<\/td><td>Kredinin para birimi ve \u00fcr\u00fcne g\u00f6re de\u011fi\u015fir; d\u00f6viz cinsinden ipotekler i\u00e7in d\u00fczenleyici k\u0131s\u0131tlamalar daha kat\u0131d\u0131r<\/td><\/tr><tr><td>Mevcut krediler<\/td><td>Bor\u00e7lunun mevcut y\u00fck\u00fcml\u00fcl\u00fckleri<\/td><td>PTI\u2019yi art\u0131r\u0131yor, yeni kredi limitini d\u00fc\u015f\u00fcr\u00fcyor<\/td><\/tr><tr><td>M\u00fclk tipi<\/td><td>Haz\u0131r \/ in\u015faat halindeki \/ daireler<\/td><td>Bankan\u0131n bir varl\u0131\u011f\u0131 rehin olarak kabul etmeye haz\u0131r olup olmad\u0131\u011f\u0131n\u0131 belirler<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u015eunu anlamak \u00f6nemlidir<\/strong>: Gelir seviyesi y\u00fcksek olsa bile, bir gayrimenkul banka i\u00e7in teminat olarak uygun olmayabilir \u2014 \u00f6rne\u011fin, in\u015faat halindeki bir evin akreditasyonu yoksa, gayrimenkul\u00fcn hukuki sorunlar\u0131 varsa veya likiditesi \u015f\u00fcphe uyand\u0131r\u0131yorsa. Bu konuyla ilgili daha ayr\u0131nt\u0131l\u0131 bilgi i\u00e7in gayrimenkul t\u00fcrleri b\u00f6l\u00fcm\u00fcne bakabilirsiniz.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Kendi paran\u0131zdan ne kadar gerekiyor?<\/h2>\n\n\n\n<p>\u00d6zkaynak hesaplamas\u0131nda, sadece beyan edilen ilk katk\u0131 pay\u0131n\u0131 dikkate almak yeterli de\u011fildir. \u201c30% tutar\u0131nda pe\u015finat \u2014 yani $120 000 tutar\u0131ndaki bir daire i\u00e7in $36 000 gerekir\u201d \u015feklindeki tipik mant\u0131k, yaln\u0131zca tek bir ko\u015fulda ge\u00e7erlidir: banka taraf\u0131ndan belirlenen teminat bedeli, s\u00f6zle\u015fme bedeliyle ayn\u0131ysa. De\u011ferlendirme daha d\u00fc\u015f\u00fck \u00e7\u0131karsa, durum de\u011fi\u015fir.<\/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\/2_rezultat-7-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek\" class=\"wp-image-16661\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-7-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-7-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-7-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-7.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>LTV hesaplamalar\u0131 i\u00e7in banka, kendi metodolojisi ve de\u011ferleme sonu\u00e7lar\u0131na g\u00f6re belirlenen teminat de\u011ferini kullan\u0131r. Bu de\u011fer ve ge\u00e7erli LTV oran\u0131na g\u00f6re hesaplanan kredi tutar\u0131, i\u015flem bedelini kar\u015f\u0131lam\u0131yorsa, aradaki fark al\u0131c\u0131 taraf\u0131ndan kendi kaynaklar\u0131yla kar\u015f\u0131lan\u0131r.<\/p>\n\n\n\n<p>\u00d6rnek (t\u00fcm rakamlar varsay\u0131msald\u0131r, herhangi bir bankan\u0131n teklifi de\u011fildir):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dairenin fiyat\u0131: $200 000<\/li>\n\n\n\n<li>Banka de\u011ferlendirmesine g\u00f6re teminat de\u011feri: $160 000<\/li>\n\n\n\n<li>Bu kredi modelinde LTV: 75%, de\u011ferleme tutar\u0131 = $120 000<\/li>\n\n\n\n<li>\u00d6zkaynaklar: $200 000 \u2212 $120 000 = <strong>$80 000<\/strong><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>B\u00fct\u00e7e planlamas\u0131 s\u0131ras\u0131nda yap\u0131labilecek hatalardan biri, ilk pe\u015finat tutar\u0131n\u0131 sadece dairenin fiyat\u0131na g\u00f6re hesaplamakt\u0131r. Banka taraf\u0131ndan yap\u0131lan de\u011ferleme, i\u015flem fiyat\u0131n\u0131n alt\u0131nda \u00e7\u0131karsa, al\u0131c\u0131n\u0131n ek \u00f6z sermayeye ihtiyac\u0131 olacakt\u0131r.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Tablo 2. Gayrimenkul sat\u0131n al\u0131m\u0131na ili\u015fkin \u00fc\u00e7 varsay\u0131msal senaryo<\/strong><\/p>\n\n\n\n<p><em>T\u00fcm hesaplamalar varsay\u0131msald\u0131r. \u00d6rneklerde, NBG\u2019nin d\u00f6viz cinsinden krediler i\u00e7in belirledi\u011fi d\u00fczenleyici \u00fcst s\u0131n\u0131r olan LTV 70% kullan\u0131lmaktad\u0131r. GEL cinsinden krediler i\u00e7in d\u00fczenleyici \u00fcst s\u0131n\u0131r 90%'dir; ancak belirli bir banka daha d\u00fc\u015f\u00fck bir s\u0131n\u0131r belirleme hakk\u0131na sahiptir. Nihai parametreler bankaya, m\u00fc\u015fteri profiline, kredi para birimine ve kredinin kullan\u0131m amac\u0131na ba\u011fl\u0131d\u0131r. Rakamlar, bir finansman teklifi veya taahh\u00fcd\u00fc niteli\u011finde de\u011fildir.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parametre<\/th><th>Senaryo 1<\/th><th>Senaryo 2<\/th><th>Senaryo 3<\/th><\/tr><\/thead><tbody><tr><td>M\u00fclk\u00fcn fiyat\u0131<\/td><td>$80 000<\/td><td>$120 000<\/td><td>$200 000<\/td><\/tr><tr><td>Ko\u015fullu banka de\u011ferlendirmesi<\/td><td>$75 000<\/td><td>$110 000<\/td><td>$185 000<\/td><\/tr><tr><td>Ko\u015fullu LTV<\/td><td>70%<\/td><td>70%<\/td><td>70%<\/td><\/tr><tr><td>Olas\u0131 kredi<\/td><td>$52 500<\/td><td>$77 000<\/td><td>$129 500<\/td><\/tr><tr><td>\u00d6zkaynaklar (asgari)<\/td><td>$27 500<\/td><td>$43 000<\/td><td>$70 500<\/td><\/tr><tr><td>Ek maliyetler<\/td><td>banka de\u011ferlendirmesi, banka komisyonlar\u0131, kay\u0131t i\u015flemleri, belgelerin \u00e7evirisi, sigorta \u2014 gerekirse para birimi d\u00f6n\u00fc\u015ft\u00fcrme<\/td><td>\u2192<\/td><td>\u2192<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Ek masraflar\u0131n tam i\u00e7eri\u011fi ve tutar\u0131, bankaya, i\u015flemin yap\u0131s\u0131na ve belgelerin men\u015fe \u00fclkesine g\u00f6re de\u011fi\u015fir. Her durum i\u00e7in ayr\u0131 ayr\u0131 hesaplan\u0131r.<\/em><\/p>\n\n\n\n<p><strong>\u00d6rnek: dairenin fiyat\u0131 $100 000<\/strong><\/p>\n\n\n\n<p>Diyelim ki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>daire fiyat\u0131 \u2014 $100 000;<\/li>\n\n\n\n<li>banka de\u011ferlendirmesine g\u00f6re teminat de\u011feri \u2014 $95 000;<\/li>\n\n\n\n<li>Banka, LTV 70% oran\u0131n\u0131 uygulamaya haz\u0131rd\u0131r;<\/li>\n\n\n\n<li>teminata dayal\u0131 maksimum kredi tutar\u0131 \u2014 $66 500;<\/li>\n\n\n\n<li>i\u015flem bedeli i\u00e7in \u00f6z sermaye \u2014 $33 500;<\/li>\n\n\n\n<li>Buna ek olarak, tescil, de\u011ferleme, banka komisyonlar\u0131, belgelerin terc\u00fcmesi ve olas\u0131 d\u00f6viz \u00e7evrim masraflar\u0131n\u0131 da hesaba katmak gerekir.<\/li>\n<\/ul>\n\n\n\n<p>Ancak $66 500 \u2014 sadece s\u0131n\u0131r <strong>LTV<\/strong>. Bor\u00e7lunun geliri <strong>PTI<\/strong> daha d\u00fc\u015f\u00fck bir kredi miktar\u0131 s\u00f6z konusu oldu\u011funda, as\u0131l s\u0131n\u0131rlay\u0131c\u0131 fakt\u00f6r gelir olacakt\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 alabilece\u011finiz banka kredisine uygun gayrimenkullerin hangileri oldu\u011funu bilmiyor musunuz?<\/strong> The Residence, ba\u015flang\u0131\u00e7 sermayenizi, sat\u0131n alma amac\u0131n\u0131z\u0131 ve tercih etti\u011finiz \u00f6deme plan\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak G\u00fcrcistan\u2019da size uygun gayrimenkul se\u00e7enekleri sunabilir. <a href=\"\/tr\/quiz\/\" data-type=\"post\" data-id=\"16226\" target=\"_blank\">Gayrimenkul \u00f6nerilerini almak<\/a><\/p>\n<\/blockquote>\n\n\n\n<p>Uygulamadan 1. durum: Al\u0131c\u0131n\u0131n elinde $40 000 var, dairenin fiyat\u0131 ise $120 000. Rezervasyon yapmadan \u00f6nce \u00fc\u00e7 hususu netle\u015ftirmek gerekir: banka bu gelir d\u00fczeyinde (PTI) ne kadar finansman sa\u011flayabilir, banka de\u011ferlendirmesine g\u00f6re teminat\u0131n de\u011feri nedir (buna g\u00f6re LTV oran\u0131 nedir) ve $40 000 tutar\u0131, ger\u00e7ek pe\u015finat art\u0131 ilgili masraflar\u0131 kar\u015f\u0131lamaya yeterli mi? Ancak bu \u00fc\u00e7 sorunun yan\u0131t\u0131n\u0131 ald\u0131ktan sonra i\u015flemin ger\u00e7ek\u00e7ili\u011fini de\u011ferlendirebilirsiniz.<\/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\">Banka, bir yabanc\u0131n\u0131n gelirini nas\u0131l kontrol eder?<\/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\/3_rezultat-5-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek\" class=\"wp-image-16662\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-5-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-5-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-5-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-5.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Bor\u00e7lunun geliri \u00e7e\u015fitli kaynaklardan elde edilebilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>i\u015f s\u00f6zle\u015fmesine g\u00f6re maa\u015f;<\/li>\n\n\n\n<li>kendi i\u015finden elde edilen gelir;<\/li>\n\n\n\n<li>serbest meslek veya kendi hesab\u0131na \u00e7al\u0131\u015fmadan elde edilen gelir;<\/li>\n\n\n\n<li>m\u00fclk kiralam\u0131ndan elde edilen gelir;<\/li>\n\n\n\n<li>birka\u00e7 kaynaktan gelen d\u00fczenli ve teyit edilebilir gelirler.<\/li>\n<\/ul>\n\n\n\n<p><strong>S\u0131ralanan t\u00fcm gelir t\u00fcrlerini her G\u00fcrc\u00fc bankas\u0131 ayn\u0131 \u015fekilde de\u011ferlendirmez.<\/strong> Onay belgesinin bi\u00e7imine ili\u015fkin somut \u015fartlar, bankan\u0131n kredi politikas\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Maa\u015f ba\u015fka bir \u00fclkeden geliyorsa<\/h3>\n\n\n\n<p>Yurtd\u0131\u015f\u0131ndan gelir elde eden bir \u00e7al\u0131\u015fan i\u00e7in banka genellikle \u015fu bilgileri talep eder:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>banka hesap \u00f6zetleri<\/strong> banka taraf\u0131ndan belirlenen d\u00f6nem i\u00e7in, gelirlerin d\u00fczenlili\u011fini ve tutar\u0131n\u0131 g\u00f6steren;<\/li>\n\n\n\n<li><strong>i\u015f s\u00f6zle\u015fmesi<\/strong> ya da maa\u015f tutar\u0131n\u0131n belirtildi\u011fi i\u015fverenden al\u0131nm\u0131\u015f resmi bir mektup;<\/li>\n\n\n\n<li><strong>gelir belgesi<\/strong> i\u015fverenden;<\/li>\n\n\n\n<li><strong>vergi belgeleri ve beyannameleri<\/strong> bankan\u0131n talep edece\u011fi d\u00f6nem i\u00e7in;<\/li>\n\n\n\n<li>\u015funu do\u011frulayan belgeler <strong>ilk pe\u015finat i\u00e7in gerekli fonlar\u0131n kayna\u011f\u0131<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Banka, d\u00fczenli gelire \u00f6nem vermektedir: maa\u015f, uzun aralar olmaks\u0131z\u0131n istikrarl\u0131 bir \u015fekilde yat\u0131r\u0131lmal\u0131d\u0131r. Belgelerle a\u00e7\u0131klanamayan tek seferlik b\u00fcy\u00fck tutarl\u0131 gelirler, ek a\u00e7\u0131klamalar gerektirebilir. Maa\u015f\u0131n para birimi do\u011frudan \u00f6nem ta\u015f\u0131r: Bor\u00e7lu EUR al\u0131yorsa ve USD cinsinden kredi almak istiyorsa, ek bir d\u00f6viz sorunu ortaya \u00e7\u0131kar. Bu konuya bir sonraki b\u00f6l\u00fcmde de\u011finilecektir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130\u015fletme veya serbest \u00e7al\u0131\u015fmadan elde edilen gelir ise<\/h3>\n\n\n\n<p>Bu durumda banka, sadece tutar\u0131 de\u011fil, gelir kayna\u011f\u0131n\u0131n istikrar\u0131n\u0131 da de\u011ferlendirmelidir. D\u00fczensiz gelir, \u00f6deme g\u00fcc\u00fcn\u00fcn kan\u0131tlanmas\u0131n\u0131 zorla\u015ft\u0131rabilir ve bankan\u0131n karar\u0131n\u0131 etkileyebilir.<\/p>\n\n\n\n<p>A\u015fa\u011f\u0131dakiler gerekli olabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>i\u015fletme tescil belgeleri veya giri\u015fimci stat\u00fcs\u00fc belgeleri;<\/li>\n\n\n\n<li>bankan\u0131n talep edece\u011fi d\u00f6neme ait vergi beyannameleri ve di\u011fer gelir belgeleri;<\/li>\n\n\n\n<li>i\u015fletme ve\/veya ki\u015fisel hesaplara ait banka hesap \u00f6zetleri;<\/li>\n\n\n\n<li>mali tablolar;<\/li>\n\n\n\n<li>\u00e7al\u0131\u015fmalar\u0131n d\u00fczenli oldu\u011funu teyit eden m\u00fc\u015fteri s\u00f6zle\u015fmeleri;<\/li>\n\n\n\n<li>Gelir yap\u0131s\u0131 ve kaynaklar\u0131n\u0131n a\u00e7\u0131klamas\u0131.<\/li>\n<\/ul>\n\n\n\n<p><strong>Onay alma \u015fans\u0131n\u0131 art\u0131ran unsurlar:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u015eeffaf ve tamamen belgelendirilebilir gelir<\/li>\n\n\n\n<li>Uzun bir s\u00fcre boyunca istikrarl\u0131 bir gelir ge\u00e7mi\u015fi<\/li>\n\n\n\n<li>Yeterli ba\u015flang\u0131\u00e7 sermayesi<\/li>\n\n\n\n<li>Makul bor\u00e7 y\u00fck\u00fc \u2014 mevcut kredilerin olmamas\u0131 veya az olmas\u0131<\/li>\n\n\n\n<li>Bankan\u0131n teminat olarak kabul etmeye haz\u0131r oldu\u011fu varl\u0131k<\/li>\n\n\n\n<li>Belgelerde \u00e7eli\u015fki olmamas\u0131<\/li>\n\n\n\n<li>Ekstrelerin ve onay belgelerinin \u00f6nceden haz\u0131rlanmas\u0131<\/li>\n\n\n\n<li>Banka talebi \u00fczerine fonlar\u0131n kayna\u011f\u0131n\u0131n do\u011fru \u015fekilde teyit edilmesi<\/li>\n<\/ul>\n\n\n\n<p>Bu ko\u015fullar\u0131n yerine getirilmesi, ba\u015fvurunun kabul edilece\u011fini garanti etmez, ancak eksik veya \u00e7eli\u015fkili belge paketinden kaynaklanan sorunlar\u0131n bir k\u0131sm\u0131n\u0131 \u00f6nlemeye yard\u0131mc\u0131 olur.<\/p>\n\n\n\n<p><strong>Ya\u015f ve ortak bor\u00e7lu: Ko\u015fullar bankadan bankaya farkl\u0131l\u0131k g\u00f6sterir<\/strong><\/p>\n\n\n\n<p>T\u00fcm banka \u00fcr\u00fcnleri i\u00e7in tek bir ya\u015f s\u0131n\u0131r\u0131 bulunmamaktad\u0131r. \u00d6rne\u011fin:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Halyk, yurtd\u0131\u015f\u0131nda geliri olan \u00fcr\u00fcnler i\u00e7in ya\u015f bilgisini belirtir <strong>Kredi vadesinin sona erdi\u011fi tarihte 21\u201370 ya\u015f aras\u0131nda olmak<\/strong>;<\/li>\n\n\n\n<li>Liberty, g\u00f6\u00e7menlere y\u00f6nelik \u00fcr\u00fcn\u00fc i\u00e7in \u015funlar\u0131 belirtmektedir: <strong>18\u201375 ya\u015f<\/strong>;<\/li>\n\n\n\n<li>Halyk, kendi gelirinizin yetersiz olmas\u0131 durumunda, istikrarl\u0131 bir gelire sahip aile \u00fcyelerinin ortak bor\u00e7lu olarak dahil edilmesine izin vermektedir;<\/li>\n\n\n\n<li>Liberty, kredide en fazla \u00fc\u00e7 kat\u0131l\u0131mc\u0131n\u0131n olabilece\u011fini belirtmektedir: ana bor\u00e7lu ve en fazla iki kefil.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Bu ko\u015fullar belirli banka \u00fcr\u00fcnlerine \u00f6zeldir ve t\u00fcm yabanc\u0131lar i\u00e7in ge\u00e7erli genel bir kural de\u011fildir.<\/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\">Mortgage para birimi ve 2026 y\u0131l\u0131 limiti<\/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\/4_rezultat-3-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek\" class=\"wp-image-16663\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>G\u00fcrcistan\u2019daki bankalar \u00e7e\u015fitli para birimlerinde konut kredisi sunmaktad\u0131r: <strong>GEL (G\u00fcrc\u00fc lari), USD ve EUR<\/strong>. Kredi para biriminin se\u00e7imi rastgele de\u011fildir; bu se\u00e7im, bor\u00e7lunun gelir para birimi ve d\u00fczenleyici gerekliliklerle do\u011frudan ba\u011flant\u0131l\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hedged ve unhedged \u2014 bu terimler basit bir dille ne anlama geliyor?<\/h3>\n\n\n\n<p>Ger\u00e7ek ki\u015filerin anlayabilmesi i\u00e7in: Bor\u00e7lunun d\u00fczenli geliri, krediyle ayn\u0131 para biriminde oldu\u011funda kredi ile ilgili d\u00f6viz riski s\u00f6z konusu de\u011fildir \u2014 bu t\u00fcr bir bor\u00e7luya genel olarak \u201chedged\u201d (d\u00f6viz riskinden korunmu\u015f) denir. \u00d6rne\u011fin, gelir USD cinsinden ve kredi de USD cinsindeyse. Gelir ve kredi farkl\u0131 para birimlerinde ifade ediliyorsa \u2014 gelir GEL, kredi USD ya da gelir EUR, kredi USD \u2014 bu para birimleri aras\u0131ndaki kur de\u011fi\u015fimi, bor\u00e7lu i\u00e7in ek bir d\u00f6viz riski yarat\u0131r.<\/p>\n\n\n\n<p>NBG d\u00fczenlemelerinde d\u00f6viz riskinden korunma kriterleri daha ayr\u0131nt\u0131l\u0131 olarak belirlenmi\u015ftir; bu nedenle bor\u00e7lunun nihai s\u0131n\u0131fland\u0131rmas\u0131 banka taraf\u0131ndan yap\u0131l\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bu neden pratik a\u00e7\u0131dan \u00f6nemlidir?<\/h3>\n\n\n\n<p>Gelir GEL cinsinden elde ediliyorsa ve kredi USD cinsinden al\u0131nm\u0131\u015fsa, kurdaki de\u011fi\u015fiklik bor\u00e7lunun ger\u00e7ek y\u00fck\u00fcn\u00fc etkiler. <strong>NBG, d\u00f6viz cinsinden ipotek kredilerinin daha y\u00fcksek risk ta\u015f\u0131d\u0131\u011f\u0131n\u0131 \u00f6zellikle vurgulamaktad\u0131r.<\/strong><\/p>\n\n\n\n<p>\u00d6rnek (varsay\u0131msal hesaplama, tahmin de\u011fildir): 2,65 GEL\/USD kurunda ayl\u0131k $600 tutar\u0131ndaki \u00f6deme 1 590 GEL\u2019dir. 3,00 GEL\/USD kurunda ayn\u0131 \u00f6deme dolar cinsinden 1 800 GEL\u2019dir; bu, bor\u00e7 tutar\u0131nda herhangi bir de\u011fi\u015fiklik olmaks\u0131z\u0131n 13%\u2019lik bir art\u0131\u015fa kar\u015f\u0131l\u0131k gelir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2026 Y\u0131l\u0131ndaki G\u00fcncel De\u011fi\u015fiklik<\/h3>\n\n\n\n<p><a href=\"https:\/\/nbg.gov.ge\/en\/media\/news\/financial-stability-and-monetary-policy-committees-decisi-3\" target=\"_blank\" rel=\"nofollow noopener\">G\u00fcrcistan Merkez Bankas\u0131, 1 Temmuz 2026 tarihinden itibaren e\u015fi\u011fi y\u00fckseltti<\/a> d\u00f6viz cinsinden riskten korunmam\u0131\u015f krediler i\u00e7in 750.000'den <strong>1 000 000 GEL<\/strong>. Bu e\u015fde\u011ferin alt\u0131ndaki krediler i\u00e7in, bor\u00e7lu d\u00f6viz riskinden korunma kriterlerini kar\u015f\u0131lam\u0131yorsa veya d\u00fczenlemelerde \u00f6ng\u00f6r\u00fclen ba\u015fka bir istisna kapsam\u0131na girmiyorsa, yabanc\u0131 para biriminde kredi verilmesine ili\u015fkin k\u0131s\u0131tlamalar ge\u00e7erlidir.<\/p>\n\n\n\n<p><strong>1 000 000 GEL, riskten korunmam\u0131\u015f d\u00f6viz kredileri i\u00e7in belirlenen d\u00fczenleyici d\u00f6viz e\u015fi\u011fidir; bu, bir dairenin minimum de\u011feri veya zorunlu ilk pe\u015finat tutar\u0131 de\u011fildir.<\/strong><\/p>\n\n\n\n<p>Bir\u00e7ok makale, daha \u00f6nceki benzer e\u015fi\u011fi \u201casgari ipotek tutar\u0131\u201d olarak yanl\u0131\u015f yorumlam\u0131\u015ft\u0131r \u2014 bu do\u011fru de\u011fildir. 500.000 veya 750.000 GEL e\u015fiklerine ili\u015fkin eski haberler de art\u0131k ge\u00e7erli de\u011fildir.<\/p>\n\n\n\n<p><strong>Tablo: GEL vs USD\/EUR \u2014 Kredinin D\u00f6viz Mant\u0131\u011f\u0131<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parametre<\/th><th>GEL cinsinden kredi<\/th><th>USD\/EUR cinsinden kredi<\/th><\/tr><\/thead><tbody><tr><td>Maks. LTV (yasal \u00fcst s\u0131n\u0131r)<\/td><td>90%'ye kadar<\/td><td>70%'ye kadar<\/td><\/tr><tr><td>Riskten korunmam\u0131\u015f krediler i\u00e7in s\u0131n\u0131rlama<\/td><td>Uygulanmaz<\/td><td>1 000 000 GEL\u2019in alt\u0131nda \u2014 k\u0131s\u0131tlamalar; mevzuatta \u00f6ng\u00f6r\u00fclen istisnalar ge\u00e7erlidir<\/td><\/tr><tr><td>GEL cinsinden gelirde d\u00f6viz riski<\/td><td>GEL cinsinden kredi ve gelir bulunmad\u0131\u011f\u0131nda<\/td><td>Kredi para birimi ile gelir para birimi uyu\u015fmad\u0131\u011f\u0131nda ortaya \u00e7\u0131kar<\/td><\/tr><tr><td>D\u00f6viz gelirinde d\u00f6viz riski<\/td><td>Kredi para birimi ile gelir para birimi uyu\u015fmad\u0131\u011f\u0131nda ortaya \u00e7\u0131kar<\/td><td>Gelir ve kredinin para birimi ayn\u0131 oldu\u011funda s\u00f6z konusu de\u011fildir; farkl\u0131 oldu\u011funda ortaya \u00e7\u0131kar<\/td><\/tr><tr><td>En uzun s\u00fcre<\/td><td>\u00dcr\u00fcne ve bankaya g\u00f6re de\u011fi\u015fir<\/td><td>NBG, d\u00f6viz cinsinden konut kredileri i\u00e7in vade s\u00fcresini en fazla 10 y\u0131l olarak belirliyor<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Ger\u00e7ek bir banka \u00fcr\u00fcn\u00fc \u00f6rne\u011fi olarak: 12 A\u011fustos 2026 tarihi itibar\u0131yla Halyk Bank Georgia, yurtd\u0131\u015f\u0131nda geliri olan ki\u015filere \u00fc\u00e7 para biriminde (GEL, USD ve EUR olmak \u00fczere \u00fc\u00e7 para biriminde, nominal faiz oranlar\u0131 s\u0131ras\u0131yla 10,5%, 7% ve 5%, efektif faiz oranlar\u0131 ise 11,86%, 7,82% ve 5,38% aras\u0131nda de\u011fi\u015fen efektif faiz oranlar\u0131 ve % tutar\u0131nda pe\u015finat ile yurtd\u0131\u015f\u0131nda geliri olan ki\u015filere ipotek kredisi sunmaktad\u0131r. \u00dcr\u00fcn sayfas\u0131nda banka, maksimum vade s\u00fcresini 20 y\u0131l olarak belirtmektedir; ancak yabanc\u0131 para birimindeki ipotek kredileri i\u00e7in NBG taraf\u0131ndan belirlenen 10 y\u0131ll\u0131k vade s\u0131n\u0131r\u0131 ge\u00e7erlidir. Bu nedenle, fiili maksimum vade s\u00fcresi, kredinin para birimine de ba\u011fl\u0131d\u0131r. Banka ayr\u0131ca, yasada \u00f6ng\u00f6r\u00fclen istisnalar d\u0131\u015f\u0131nda, 1 000 000 GEL'in alt\u0131ndaki kredilerin ulusal para biriminde verildi\u011fini belirtmektedir. Bunlar resmi ko\u015fullard\u0131r. <strong>belirli bir bankan\u0131n belirli bir \u00fcr\u00fcn\u00fc<\/strong> denetim tarihi itibar\u0131yla \u2014 banka bunlar\u0131 herhangi bir zamanda de\u011fi\u015ftirebilir.<\/p>\n\n\n\n<p><strong>Bankalar\u0131n halka a\u00e7\u0131k ipotek \u00fcr\u00fcnlerine ili\u015fkin \u00f6rnekler<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Banka \/ \u00fcr\u00fcn<\/th><th>Genel \u015eartlar<\/th><th>Bu \u00fcr\u00fcn kimler i\u00e7in yay\u0131nlanm\u0131\u015ft\u0131r?<\/th><\/tr><\/thead><tbody><tr><td><strong>Halyk Bank Georgia \u2014 Yurtd\u0131\u015f\u0131 Gelirleri<\/strong><\/td><td>GEL 10,5%'den itibaren; USD 7%'den itibaren; EUR 5%'den itibaren; etkin faiz oran\u0131 11,86% \/ 7,82% \/ 5,38%'den itibaren; pe\u015finat 30%; \u00fcr\u00fcn\u00fcn belirtilen maksimum vadesi \u2014 20 y\u0131l<\/td><td>Yurtd\u0131\u015f\u0131nda ya\u015fayan ve \u00e7al\u0131\u015fan ki\u015filer<\/td><\/tr><tr><td><strong>Credo Bank \u2014 Yabanc\u0131lar i\u00e7in Konut Kredisi<\/strong><\/td><td>20%'den ba\u015flayan pe\u015finat; 8%'den ba\u015flayan faiz oran\u0131; 15 y\u0131la kadar vade; GEL\/USD\/EUR; 500.000 GEL veya e\u015fde\u011feri tutara kadar<\/td><td>Yabanc\u0131lar<\/td><\/tr><tr><td><strong>Liberty \u2014 G\u00f6\u00e7menler i\u00e7in \u0130potek Kredisi<\/strong><\/td><td>GEL 11,8%'den itibaren (efektif 12,7%'den itibaren); USD 8%'den itibaren (efektif 9,1%'den itibaren); EUR 7,51 TP415T'den (etkin 8,521 TP415T'den); GEL 20 y\u0131la kadar, FX 10 y\u0131la kadar<\/td><td>Bu \u00fcr\u00fcn g\u00f6\u00e7menler i\u00e7in yay\u0131nlanm\u0131\u015ft\u0131r; belirli bir yabanc\u0131 uyruklu ki\u015fiye uygulanabilirli\u011fi bankadan teyit edilmelidir<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Bir banka \u00fcr\u00fcn\u00fcn\u00fcn kamuya a\u00e7\u0131k sayfas\u0131, bu ko\u015fullar\u0131n herhangi bir yabanc\u0131 i\u00e7in otomatik olarak ge\u00e7erli oldu\u011fu anlam\u0131na gelmez. Banka, m\u00fc\u015fterinin uyru\u011funu, ikamet etti\u011fi \u00fclkeyi, gelir kayna\u011f\u0131n\u0131 ve para birimini, yat\u0131r\u0131m nesnesini ve uyum profilini ayr\u0131 ayr\u0131 kontrol eder.<\/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\">Hangi belgeler gerekecek?<\/h2>\n\n\n\n<p>Gerekli belgelerin listesi, bankaya, gelir t\u00fcr\u00fcne, bor\u00e7lunun ikamet etti\u011fi \u00fclkeye ve gayrimenkul\u00fcn \u00f6zelliklerine g\u00f6re de\u011fi\u015fiklik g\u00f6sterir. A\u015fa\u011f\u0131da verilen liste, haz\u0131rl\u0131k a\u015famas\u0131nda bir k\u0131lavuz niteli\u011findedir; herhangi bir bankan\u0131n resmi belge listesi de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bor\u00e7ludan<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pasaport<\/strong> (yabanc\u0131 uyruklu bir ki\u015finin ge\u00e7erli pasaportu)<\/li>\n\n\n\n<li><strong>Adres onay\u0131<\/strong> veya ikamet durumu \u2014 banka taraf\u0131ndan istenirse<\/li>\n\n\n\n<li><strong>Banka hesap \u00f6zetleri<\/strong> banka taraf\u0131ndan belirlenen s\u00fcre boyunca, gelirin yat\u0131r\u0131ld\u0131\u011f\u0131 hesap \u00fczerinden<\/li>\n\n\n\n<li><strong>Gelir belgeleri<\/strong>: i\u015fverenden al\u0131nan belge, i\u015f s\u00f6zle\u015fmesi, bankan\u0131n talep edece\u011fi d\u00f6neme ait vergi belgeleri<\/li>\n\n\n\n<li><strong>\u0130\u015f belgeleri<\/strong> \u2014 ticari faaliyetten elde edilen gelir<\/li>\n\n\n\n<li><strong>\u0130lk \u00f6demenin teyidi<\/strong>: hesap bakiyesinin g\u00f6r\u00fclebildi\u011fi hesap \u00f6zeti<\/li>\n\n\n\n<li><strong>Kaynaklar\u0131n men\u015feine ili\u015fkin belgeler<\/strong> \u2014 bankan\u0131n talebi \u00fczerine<\/li>\n\n\n\n<li><strong>Ortak bor\u00e7lunun bilgileri<\/strong> \u2014 e\u011fer o i\u015flemde yer al\u0131yorsa<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00fclkiyete g\u00f6re<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kamu Sicil Kayd\u0131\u2019ndan (NAPR) al\u0131nan belge<\/strong> \u2014 belge, kay\u0131tl\u0131 maliki ve belge al\u0131nma tarihi itibar\u0131yla gayrimenkul \u00fczerindeki kay\u0131tl\u0131 haklar\u0131, k\u0131s\u0131tlamalar\u0131 ve y\u00fck\u00fcml\u00fcl\u00fckleri g\u00f6sterir. Sat\u0131n almadan \u00f6nce gayrimenkul\u00fcn Kamu Sicili\u2019nde kontrol edilmesi tavsiye edilir<\/li>\n\n\n\n<li><strong>M\u00fclkiyet hakk\u0131n\u0131 kan\u0131tlayan belgeler<\/strong> tesise<\/li>\n\n\n\n<li><strong>Sat\u0131\u015f ve sat\u0131n alma s\u00f6zle\u015fmesi<\/strong> ya da tasla\u011f\u0131. G\u00fcrcistan\u2019da al\u0131m-sat\u0131m s\u00f6zle\u015fmesinin yap\u0131s\u0131 ve temel maddeleri<\/li>\n\n\n\n<li><strong>Sat\u0131c\u0131 veya in\u015faat firmas\u0131n\u0131n bilgileri<\/strong><\/li>\n\n\n\n<li><strong>Banka de\u011ferlendirmesinin sonucu<\/strong> \u2014 akredite bir de\u011ferleme uzman\u0131 taraf\u0131ndan veya bankan\u0131n y\u00f6nlendirmesiyle ger\u00e7ekle\u015ftirilir<\/li>\n\n\n\n<li><strong>\u0130zin belgeleri<\/strong> in\u015faat halindeki tesis i\u00e7in \u2014 uygunsa<\/li>\n<\/ul>\n\n\n\n<p>Yurtd\u0131\u015f\u0131nda d\u00fczenlenmi\u015f belgeler i\u00e7in a\u015fa\u011f\u0131dakiler gerekebilir: <strong>G\u00fcrc\u00fcceye yap\u0131lm\u0131\u015f noter tasdikli \u00e7eviri<\/strong> ve baz\u0131 durumlarda, belgenin men\u015fe \u00fclkesine ve bankan\u0131n gerekliliklerine ba\u011fl\u0131 olarak apostil veya tasdik.<\/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\/7_rezultat-2-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek\" class=\"wp-image-16667\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-2-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-2-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-2-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-2.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Mortgage kredisi almak ne kadar s\u00fcrer?<\/strong><\/p>\n\n\n\n<p>T\u00fcm yabanc\u0131 bor\u00e7lular i\u00e7in bankalar taraf\u0131ndan belirlenen tek bir de\u011ferlendirme s\u00fcresi bulunmamaktad\u0131r. S\u00fcrecin s\u00fcresini etkileyen fakt\u00f6rler \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gelir belgelerinin eksiksiz olmas\u0131;<\/li>\n\n\n\n<li>ek bir uyum denetiminin gereklili\u011fi;<\/li>\n\n\n\n<li>yabanc\u0131 belgelerin terc\u00fcmesi ve tasdiki;<\/li>\n\n\n\n<li>m\u00fclk\u00fcn bankac\u0131l\u0131k de\u011ferlemesi;<\/li>\n\n\n\n<li>in\u015faat firmas\u0131n\u0131n veya gayrimenkul\u00fcn incelenmesi;<\/li>\n\n\n\n<li>fonlar\u0131n kayna\u011f\u0131 hakk\u0131nda ek a\u00e7\u0131klama yap\u0131lmas\u0131 gereklili\u011fi.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Bu nedenle, geri al\u0131namaz bir teminat yat\u0131rmadan \u00f6nce, se\u00e7ti\u011finiz bankadan sadece kredi tutar\u0131na ili\u015fkin \u00f6n de\u011ferlendirme de\u011fil, ayn\u0131 zamanda tam olarak sizin dosyan\u0131z\u0131n incelenmesi i\u00e7in tahmini s\u00fcreyi de \u00f6\u011frenmeniz daha iyi olur.<\/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\">\u0130potek ba\u015fvurusu nas\u0131l yap\u0131l\u0131r: ad\u0131m ad\u0131m k\u0131lavuz<\/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\/5_rezultat-2-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek\" class=\"wp-image-16664\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-2-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-2-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-2-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-2.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u0130\u015flem s\u0131ras\u0131 son derece \u00f6nemlidir. En b\u00fcy\u00fck risklerden biri, \u00f6nce daireyi se\u00e7ip kapora \u00f6demek, ard\u0131ndan da bankan\u0131n kredi verip vermeyece\u011fini \u00f6\u011frenmektir.<\/p>\n\n\n\n<p><strong>1. Ger\u00e7ek b\u00fct\u00e7eyi ve \u00f6z sermayenin tutar\u0131n\u0131 belirlemek<\/strong> Gayrimenkul aramaya ba\u015flamadan \u00f6nce, elinizde ne kadar para oldu\u011funu, bunun ne kadar\u0131n\u0131 pe\u015finat olarak kullanabilece\u011finizi ve ek masraflar i\u00e7in ne kadar birikim yapman\u0131z gerekti\u011fini belirlemeniz gerekir.<\/p>\n\n\n\n<p><strong>2. Hangi gelirlerin teyit edilebilece\u011fini kontrol etmek<\/strong> Elinizdeki belgeleri toplay\u0131n: hesap \u00f6zetleri, beyannameler, i\u015f s\u00f6zle\u015fmesi. Gelirinizin ne kadar d\u00fczenli ve belgelenebilir oldu\u011funu d\u00fcr\u00fcst\u00e7e de\u011ferlendirin. Bu, ayl\u0131k \u00f6deme tutar\u0131n\u0131n (PTI) m\u00fcmk\u00fcn olan en y\u00fcksek seviyesini ve di\u011fer parametrelerle birlikte kredi tutar\u0131n\u0131 belirleyecektir.<\/p>\n\n\n\n<p><strong>3. Kredi uygunlu\u011funun \u00f6n de\u011ferlendirmesi i\u00e7in bankaya ba\u015fvurmak<\/strong> \u00d6n hesaplama, bankan\u0131n hangi tutar aral\u0131\u011f\u0131nda ve hangi ko\u015fullarda kredi ba\u015fvurusu de\u011ferlendirmeye haz\u0131r oldu\u011funu anlaman\u0131za olanak tan\u0131r. Bu, kesin bir onay de\u011fildir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>B\u00fct\u00e7enin \u00f6n onay\u0131, bankan\u0131n se\u00e7ilen daireyi finanse edece\u011fi anlam\u0131na gelmez: s\u00f6z konusu gayrimenkul ayr\u0131ca inceleme ve de\u011ferlendirme s\u00fcrecinden ge\u00e7er.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p><strong>4. Bankan\u0131n \u015fartlar\u0131n\u0131 g\u00f6z \u00f6n\u00fcnde bulundurarak gayrimenkul se\u00e7mek<\/strong> M\u00fclk, bankalar\u0131n kriterlerine uymal\u0131d\u0131r: hukuki uygunluk, in\u015faat a\u015famas\u0131, kullan\u0131m t\u00fcr\u00fc, likidite. <\/p>\n\n\n\n<p><strong>5. Finansman ko\u015fullar\u0131n\u0131 tam olarak anlamadan geri al\u0131namaz b\u00fcy\u00fck bir kapora \u00f6dememek<\/strong> \u00d6n onay al\u0131nana ve kredi ko\u015fullar\u0131 hakk\u0131nda en az\u0131ndan temel bir fikir edinilene kadar, bankan\u0131n ba\u015fvuruyu reddetmesi durumunda kapora kayb\u0131 riski tamamen al\u0131c\u0131ya aittir.<\/p>\n\n\n\n<p><strong>6. Belgelerin tamam\u0131n\u0131 bankaya teslim etmek<\/strong> Kredi ba\u015fvurusunda bulunan ki\u015fi, kendisi ve gayrimenkul ile ilgili belgeleri sunar. Eksik veya \u00e7eli\u015fkili belgeler, ba\u015fvurunun de\u011ferlendirilmesini geciktirir.<\/p>\n\n\n\n<p><strong>7. M\u00fclk\u00fcn banka de\u011ferlemesini yapt\u0131rmak<\/strong> Banka, gayrimenkul i\u00e7in ba\u011f\u0131ms\u0131z bir de\u011ferleme raporu talep eder veya haz\u0131rlat\u0131r. LTV ve kredinin fiili tutar\u0131, tam da bu de\u011ferleme sonucuna g\u00f6re belirlenir.<\/p>\n\n\n\n<p><strong>8. Bankadan nihai karar\u0131 almak<\/strong> Nihai onay, belirli bir gayrimenkul i\u00e7in onaylanm\u0131\u015f kredi tutar\u0131, faiz oran\u0131, vade ve ko\u015fullard\u0131r. Ancak bu onay\u0131n ard\u0131ndan i\u015flemin \u00f6deme plan\u0131 kesinle\u015ftirilebilir.<\/p>\n\n\n\n<p><strong>9. Kredi s\u00f6zle\u015fmesini ve rehin s\u00f6zle\u015fmesini imzalamak<\/strong> Bu a\u015famada taraflar kredi belgelerini imzalar. Vekalet yoluyla i\u015flem yap\u0131ld\u0131\u011f\u0131nda, vekaletnamenin bankan\u0131n \u015fartlar\u0131na ve G\u00fcrcistan mevzuat\u0131na uygun olmas\u0131 gerekir.<\/p>\n\n\n\n<p><strong>10. \u0130\u015flemi ve ipotek y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc tescil ettirmek<\/strong> Klasik ipotekli sat\u0131n al\u0131mlarda, al\u0131c\u0131n\u0131n m\u00fclkiyet hakk\u0131 ve bankan\u0131n ipote\u011fi, i\u015flem yap\u0131s\u0131 kapsam\u0131nda Kamu Sicili\u2019ne kaydedilir. \u0130potek y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc de tescil edilmelidir. \u00ab<a href=\"\/tr\/all\/how-to-register-real-estate-in-georgia-real-timeframes-and-pitfalls\/\" target=\"_blank\">G\u00fcrcistan\u2019da gayrimenkul tescili nas\u0131l yap\u0131l\u0131r?<\/a>\u00bb \u2014 prosed\u00fcr\u00fcn s\u00fcreleri ve ayr\u0131nt\u0131lar\u0131 hakk\u0131nda daha fazla bilgi.<\/p>\n\n\n\n<p>\u00d6n karar ile nihai onay aras\u0131ndaki fark, riskleri anlamak a\u00e7\u0131s\u0131ndan \u00f6nemlidir: \u00d6n karar genellikle m\u00fc\u015fteri bilgilerine dayan\u0131r ve belirli bir gayrimenkul ile ba\u011flant\u0131l\u0131 de\u011fildir. Nihai onay ise m\u00fclk\u00fcn de\u011ferlemesi ve t\u00fcm i\u015flemin analizinden sonra verilir. Banka \u00f6nceden kullan\u0131labilir tutar\u0131 belirtmi\u015f olsa bile, i\u015flemin kesinle\u015fti\u011fi d\u00fc\u015f\u00fcn\u00fclmemelidir \u2014 m\u00fclk, de\u011ferleme veya hukuki incelemeden ge\u00e7emeyebilir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Hangi gayrimenkuller ipotekle sat\u0131n al\u0131nabilir?<\/h2>\n\n\n\n<p>Her \u00e7ekici daire, otomatik olarak banka i\u00e7in teminat olarak kabul edilmez. Bu hususu, belirli bir gayrimenkul se\u00e7meden \u00f6nce anlamak \u00f6nemlidir.<\/p>\n\n\n\n<p><strong>\u0130kinci el piyasada sat\u0131l\u0131k haz\u0131r daire<\/strong> \u2014 Genel olarak banka i\u00e7in en anla\u015f\u0131l\u0131r kategoridir. M\u00fclkiyet hakk\u0131 tescil edilmi\u015ftir, varl\u0131k fiziksel olarak mevcuttur ve de\u011ferlemesi yap\u0131labilir. Banka, hukuki durumunu, \u00fczerindeki y\u00fck\u00fcml\u00fcl\u00fckleri ve durumunu kontrol eder.<\/p>\n\n\n\n<p><strong>Teslimata haz\u0131r yeni bina<\/strong> \u2014 M\u00fclk, hizmete a\u00e7\u0131lm\u0131\u015ft\u0131r; m\u00fclkiyet hakk\u0131 tescil edilmi\u015ftir veya tescil edilmektedir. Banka, tamamlanm\u0131\u015f m\u00fclk\u00fc de\u011ferlendirir ve rehin olarak kabul eder.<\/p>\n\n\n\n<p><strong>\u0130n\u015faat\u0131 devam eden tesis<\/strong> \u2014 durum daha karma\u015f\u0131kt\u0131r. \u0130n\u015faat\u0131 devam eden projelerin finansman\u0131nda bankalar, genellikle kendi i\u00e7 akreditasyon s\u00fcrecinden ge\u00e7mi\u015f projeler ve in\u015faat firmalar\u0131yla \u00e7al\u0131\u015f\u0131r. Bu t\u00fcr projelerin listesi her banka i\u00e7in ayr\u0131d\u0131r. Kredi imk\u00e2n\u0131, s\u00f6z konusu konut kompleksi ve banka baz\u0131nda ayr\u0131 ayr\u0131 kontrol edilmelidir.<\/p>\n\n\n\n<p><strong>Daireler ve yat\u0131r\u0131m projeleri<\/strong> \u2014 \u00f6zel dikkat gerektiren bir kategori. Baz\u0131 yat\u0131r\u0131m projeleri veya belirli m\u00fclkler konut d\u0131\u015f\u0131 ama\u00e7la kullan\u0131labilir; bu durum, bankan\u0131n de\u011ferleme sonucunu ve s\u00f6z konusu m\u00fclk\u00fc teminat olarak kabul etme isteklili\u011fini etkileyebilir. Rezervasyon yapmadan \u00f6nce, belirli bir projenin ilgili banka nezdindeki durumunun netle\u015ftirilmesi gerekmektedir.<\/p>\n\n\n\n\n\n\n<p><strong>B\u00fct\u00e7enize g\u00f6re hangisinin daha avantajl\u0131 oldu\u011funu bilmiyor musunuz: ipotek mi, yoksa taksitli \u00f6deme mi?<\/strong><br>Kendi sermayenizin tutar\u0131n\u0131 ve istedi\u011finiz ayl\u0131k \u00f6deme tutar\u0131n\u0131 belirtin. Size uygun \u00f6deme plan\u0131na sahip se\u00e7enekleri belirleyece\u011fiz ve bankaya veya in\u015faat firmas\u0131na hangi sorular\u0131 sorman\u0131z gerekti\u011fini g\u00f6sterece\u011fiz.<\/p>\n\n\n\n<p><strong><a href=\"\/tr\/quiz\/\" target=\"_blank\">[Se\u00e7enekleri kar\u015f\u0131la\u015ft\u0131r]<\/a><\/strong><\/p>\n\n\n\n<p>Bankan\u0131n gayrimenkul baz\u0131nda de\u011ferlendirdi\u011fi fakt\u00f6rler:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kay\u0131tl\u0131 veya tescil a\u015famas\u0131nda olan m\u00fclkiyet hakk\u0131<\/li>\n\n\n\n<li>Denetim an\u0131nda hukuki a\u00e7\u0131dan temiz olmas\u0131 ve kay\u0131tl\u0131 herhangi bir y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn bulunmamas\u0131<\/li>\n\n\n\n<li>\u0130n\u015faat a\u015famas\u0131 ve izin belgelerinin mevcut olup olmad\u0131\u011f\u0131<\/li>\n\n\n\n<li>M\u00fclk\u00fcn kullan\u0131m amac\u0131 (konut \/ konut d\u0131\u015f\u0131)<\/li>\n\n\n\n<li>Likidite \u2014 bir varl\u0131\u011f\u0131n a\u00e7\u0131k piyasada ne kadar kolay sat\u0131labilece\u011fi<\/li>\n\n\n\n<li>Ba\u011f\u0131ms\u0131z de\u011ferlendirmenin sonucu<\/li>\n\n\n\n<li>\u0130n\u015faat firmas\u0131n\u0131n akreditasyonu \u2014 in\u015faat halindeki projeler i\u00e7in<\/li>\n<\/ul>\n\n\n\n<p>Batum\u2019da in\u015faat halindeki ve yat\u0131r\u0131m projeleri olduk\u00e7a yayg\u0131nd\u0131r; bu nedenle ipotekle sat\u0131n al\u0131rken, se\u00e7ilen projenin banka akreditasyonunu ayr\u0131 ayr\u0131 kontrol etmek \u00f6nemlidir. \u00ab<a href=\"\/tr\/all\/batumi-overview-of-districts-infrastructure-and-housing-prices\/\" target=\"_blank\">Batumi\u2019deki B\u00f6lgeler ve Emlak Piyasas\u0131na Genel Bak\u0131\u015f<\/a>\u00bb mekanlarda yolunuzu bulman\u0131za yard\u0131mc\u0131 olacakt\u0131r. Tiflis\u2019te klasik konut sto\u011fu ve ikinci el emlak piyasas\u0131 olduk\u00e7a yayg\u0131nd\u0131r; ancak ipotek \u00f6ncesinde gayrimenkul\u00fcn incelenmesi yine de zorunludur.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potek mi, yoksa in\u015faat firmas\u0131n\u0131n sundu\u011fu taksitli \u00f6deme plan\u0131 m\u0131?<\/h2>\n\n\n\n<p>Yabanc\u0131 bir al\u0131c\u0131, yeni in\u015fa edilmi\u015f bir konut sat\u0131n al\u0131rken genellikle her iki se\u00e7ene\u011fi de de\u011ferlendirir. \u201cHangisi daha iyi?\u201d sorusuna kesin bir cevap yoktur; se\u00e7im, somut duruma ba\u011fl\u0131d\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\/6_rezultat-2-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek\" class=\"wp-image-16666\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-2-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-2-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-2-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-2.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Tablo 3. \u0130potek ve in\u015faat firmas\u0131n\u0131n sundu\u011fu taksitli \u00f6deme se\u00e7enekleri<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kriter<\/th><th>Banka ipote\u011fi<\/th><th>\u0130n\u015faat firmas\u0131n\u0131n taksit plan\u0131<\/th><\/tr><\/thead><tbody><tr><td>Son teslim tarihi<\/td><td>Para birimine ve \u00fcr\u00fcne g\u00f6re de\u011fi\u015fir; belirli GEL \u00fcr\u00fcnleri i\u00e7in \u2014 20 y\u0131la kadar; yabanc\u0131 para birimindeki ipotekler i\u00e7in \u2014 en fazla 10 y\u0131l<\/td><td>\u0130n\u015faat firmas\u0131 taraf\u0131ndan belirlenir; genellikle ipotek s\u00fcresinden \u00f6nemli \u00f6l\u00e7\u00fcde daha k\u0131sad\u0131r<\/td><\/tr><tr><td>Gelir kontrol\u00fc<\/td><td>Banka, d\u00fczenleyici standartlara g\u00f6re analiz yapmaktad\u0131r<\/td><td>\u0130n\u015faat firmas\u0131, bankalar\u0131n kredi de\u011ferlendirme kriterlerinden farkl\u0131 olabilecek kendi kriterlerini belirler<\/td><\/tr><tr><td>\u0130lk \u00f6deme<\/td><td>0%'den ba\u015flayarak belirli kampanyalarda\/projelerde; genellikle 10\u201320% aral\u0131\u011f\u0131ndad\u0131r, ancak ko\u015fullar\u0131 ilgili in\u015faat firmas\u0131 belirler<\/td><td>Belirli bir proje i\u00e7in in\u015faat firmas\u0131 taraf\u0131ndan belirlenir<\/td><\/tr><tr><td>Y\u00fczde \/ fiyat art\u0131\u015f\u0131<\/td><td>Nominal + efektif faiz oran\u0131<\/td><td>Taksitli \u00f6deme fiyat\u0131, pe\u015fin \u00f6deme fiyat\u0131ndan farkl\u0131 olabilir; t\u00fcm \u00f6demelerin toplam tutar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n<\/td><\/tr><tr><td>Tesisle ilgili gereklilikler<\/td><td>Bankac\u0131l\u0131k de\u011ferlendirmesi ve olas\u0131 akreditasyon<\/td><td>\u0130n\u015faat firmas\u0131 taraf\u0131ndan belirlenir<\/td><\/tr><tr><td>Tasar\u0131m<\/td><td>Kredi s\u00f6zle\u015fmesi + rehin kayd\u0131n\u0131n Kamu Sicili\u2019ne i\u015flenmesi<\/td><td>\u0130n\u015faat firmas\u0131yla yap\u0131lan s\u00f6zle\u015fme; i\u015flemin yap\u0131s\u0131, s\u00f6zle\u015fme ko\u015fullar\u0131na g\u00f6re belirlenir<\/td><\/tr><tr><td>Yurtd\u0131\u015f\u0131nda ikamet eden ki\u015filere eri\u015filebilirlik<\/td><td>Bankaya ve m\u00fc\u015fterinin profiline ba\u011fl\u0131d\u0131r<\/td><td>\u0130n\u015faat firmas\u0131na ve projeye ba\u011fl\u0131d\u0131r<\/td><\/tr><tr><td>Ayl\u0131k i\u015f y\u00fck\u00fc<\/td><td>Kredi tutar\u0131, faiz oran\u0131 ve vadeye g\u00f6re bireysel olarak hesaplan\u0131r; daha uzun vade genellikle ayl\u0131k \u00f6deme tutar\u0131n\u0131 azalt\u0131r, ancak toplam finansman maliyetini art\u0131r\u0131r<\/td><td>Fiyata, ilk taksite ve vadeye ba\u011fl\u0131d\u0131r. Baz\u0131 projelerde \u00f6demeler <strong>Ayl\u0131k $500<\/strong>, ancak bu, belirli bir projenin ko\u015fulu olup, piyasa taban fiyat\u0131 de\u011fildir<\/td><\/tr><tr><td>Riskler<\/td><td>Para birimlerinin uyu\u015fmamas\u0131 durumunda d\u00f6viz riski; nesne se\u00e7ildikten sonra reddedilme olas\u0131l\u0131\u011f\u0131 vard\u0131r<\/td><td>\u0130n\u015faat firmas\u0131yla ilgili riskler; m\u00fclkiyet hakk\u0131n\u0131n devri, s\u00f6zle\u015fmenin yap\u0131s\u0131na ba\u011fl\u0131d\u0131r<\/td><\/tr><tr><td>Erken geri \u00f6deme<\/td><td>Bu, banka ile yap\u0131lan s\u00f6zle\u015fmenin \u015fartlar\u0131na ba\u011fl\u0131d\u0131r<\/td><td>Bu, m\u00fcteahhidin ko\u015fullar\u0131na ba\u011fl\u0131d\u0131r<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u00d6nemli noktalar:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taksit \u00f6deme s\u00fcresi genellikle banka ipote\u011finden daha k\u0131sad\u0131r; bu nedenle, finansman tutar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131labilir oldu\u011funda, d\u00fczenli \u00f6deme y\u00fck\u00fc daha y\u00fcksek olabilir.<\/li>\n\n\n\n<li>Taksitli \u00f6deme durumunda \u00fcr\u00fcn\u00fcn fiyat\u0131, pe\u015fin \u00f6deme durumundaki fiyattan farkl\u0131 olabilir. Kar\u015f\u0131la\u015ft\u0131rma yap\u0131lmal\u0131d\u0131r <strong>toplam nakit ak\u0131\u015f\u0131<\/strong>, sadece ilk taksit de\u011fil.<\/li>\n\n\n\n<li>Taksitli \u00f6deme durumunda, m\u00fclkiyet hakk\u0131n\u0131n tescil zaman\u0131 s\u00f6zle\u015fme ko\u015fullar\u0131na ve i\u015flemin yap\u0131s\u0131na ba\u011fl\u0131d\u0131r: bu hak, \u00f6demenin tamam\u0131n\u0131n yap\u0131lmas\u0131ndan sonra tescil edilebilir ya da taraflar\u0131n haklar\u0131n\u0131 korumak i\u00e7in ba\u015fka bir hukuki model uygulanabilir.<\/li>\n\n\n\n<li>Klasik ipotekli sat\u0131n al\u0131mlarda, m\u00fclkiyet hakk\u0131 ve bankan\u0131n ipote\u011fi, i\u015flem yap\u0131s\u0131 kapsam\u0131nda Tapu Sicili\u2019ne kaydedilir; ancak kredi tamamen \u00f6denene kadar gayrimenkul \u00fczerinde banka y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc bulunur.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0130n\u015faat firmas\u0131n\u0131n taksit plan\u0131:<\/strong> Vade s\u00fcresi, ilgili projeye g\u00f6re belirlenir. \u015eirket i\u00e7i faizsiz taksit planlar\u0131 genellikle in\u015faat s\u00fcresi boyunca ge\u00e7erlidir \u2014 \u00f6rne\u011fin, 2\u20133 y\u0131l; baz\u0131 projeler ise 36\u201340 ay s\u00fcreli planlar sunmaktad\u0131r. Daha uzun vadeli planlar da mevcuttur, ancak bunlar banka finansman\u0131 ile birle\u015ftirilebilir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Uzaktan konut kredisi al\u0131nabilir mi?<\/h2>\n\n\n\n<p>Bankayla yap\u0131lan \u00f6n ileti\u015fim s\u00fcrecinin bir k\u0131sm\u0131 ger\u00e7ekten uzaktan ger\u00e7ekle\u015ftirilebilir: dan\u0131\u015fmanl\u0131k, belgelerin elektronik ortamda sunulmas\u0131, \u00f6n hesaplama. Ancak hangi i\u015flemlerin m\u00fc\u015fterinin \u015fahsen bulunmas\u0131na gerek kalmadan yap\u0131labilece\u011fine, ilgili banka kendisi karar verir.<\/p>\n\n\n\n<p>Baz\u0131 banka \u00fcr\u00fcnleri \u015funlar\u0131 \u00f6ng\u00f6rmektedir: <strong>vekaletname yoluyla i\u015flem<\/strong>. Halyk Bank Georgia, bu imk\u00e2n\u0131 do\u011frudan <a href=\"https:\/\/halykbank.ge\/en\/individuals\/loans\/1\/target-loans\/25\/mortgage-for-individuals-with-income-abroad\" target=\"_blank\" rel=\"nofollow noopener\">Yurtd\u0131\u015f\u0131nda geliri olan ki\u015filer i\u00e7in \u00fcr\u00fcn<\/a>. Bu ger\u00e7ek bir mekanizmad\u0131r, ancak do\u011fru \u015fekilde d\u00fczenlenmi\u015f bir vekaletname gerektirir.<\/p>\n\n\n\n<p><strong>Vekaletnameye ili\u015fkin \u015fartlar:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Belirli bir bankan\u0131n \u015fartlar\u0131na uymas\u0131 gerekir<\/li>\n\n\n\n<li>G\u00fcrcistan mevzuat\u0131 a\u00e7\u0131s\u0131ndan do\u011fru bir \u015fekilde d\u00fczenlenmi\u015f olmal\u0131d\u0131r<\/li>\n\n\n\n<li>Belgenin d\u00fczenlendi\u011fi \u00fclkeye ba\u011fl\u0131 olarak, apostil veya konsolosluk tasdiki gerekebilir<\/li>\n\n\n\n<li>G\u00fcrc\u00fcceye \u00e7eviri, kural olarak zorunludur<\/li>\n<\/ul>\n\n\n\n<p>Ba\u015fvuru i\u015flemleri hakk\u0131nda daha fazla bilgi: \u00ab<a href=\"\/tr\/all\/how-to-issue-a-power-of-attorney-to-purchase-or-sell-real-estate-in-georgia\/\" target=\"_blank\">Georgia'da konut sat\u0131n almak veya satmak i\u00e7in vekaletname nas\u0131l d\u00fczenlenir<\/a>&#171;.<\/p>\n\n\n\n<p>Herhangi bir bankan\u0131n vekaletname yoluyla tamamen uzaktan bir i\u015flem ger\u00e7ekle\u015ftirece\u011fini varsaymamak gerekir; bu konuyu \u00f6nceden netle\u015ftirmek gerekir. Baz\u0131 bankalar, en az\u0131ndan kredi s\u00f6zle\u015fmesinin imzalanmas\u0131 a\u015famas\u0131nda m\u00fc\u015fterinin \u015fahsen bulunmas\u0131n\u0131 \u015fart ko\u015fabilir.<\/p>\n\n\n\n<p>Yurt d\u0131\u015f\u0131ndan al\u0131\u015fveri\u015f yapmay\u0131 planlayanlar i\u00e7in: <a href=\"\/tr\/all\/how-to-buy-real-estate-in-georgia-remotely\/\" target=\"_blank\">Uzaktan gayrimenkul sat\u0131n almaya ili\u015fkin kapsaml\u0131 rehber<\/a> her a\u015famada bizzat oraya gitmeden s\u00fcreci nas\u0131l organize edebilece\u011finizi a\u00e7\u0131kl\u0131yor.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Ek maliyetler<\/h2>\n\n\n\n<p>\u0130lk pe\u015finat, al\u0131c\u0131n\u0131n ihtiya\u00e7 duyaca\u011f\u0131 tek \u00f6z sermaye kayna\u011f\u0131 de\u011fildir.<\/p>\n\n\n\n<p><strong>Tablo 4. \u0130lk pe\u015finat d\u0131\u015f\u0131nda b\u00fct\u00e7eye nelerin dahil edilmesi gerekti\u011fi<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>T\u00fcketim<\/th><th>K\u0131lavuz<\/th><\/tr><\/thead><tbody><tr><td>M\u00fclkiyet hakk\u0131n\u0131n tescili \u2014 4 i\u015f g\u00fcn\u00fc<\/td><td><strong>150 GEL<\/strong><\/td><\/tr><tr><td>Hak tescili \u2014 1 i\u015f g\u00fcn\u00fc<\/td><td><strong>270 GEL<\/strong><\/td><\/tr><tr><td>Hak tescili \u2014 ba\u015fvuru yap\u0131ld\u0131\u011f\u0131 g\u00fcn<\/td><td><strong>350 GEL<\/strong><\/td><\/tr><tr><td>NAPR Belgesi \u2014 1 i\u015f g\u00fcn\u00fc<\/td><td><strong>20 GEL<\/strong><\/td><\/tr><tr><td>NAPR belgesi \u00e7evrimi\u00e7i olarak al\u0131nabilir \u2014 1 i\u015f g\u00fcn\u00fc<\/td><td><strong>13 GEL<\/strong><\/td><\/tr><tr><td>Ba\u015fvuru g\u00fcn\u00fcnde acil hesap \u00f6zeti<\/td><td><strong>75 GEL<\/strong><\/td><\/tr><tr><td>Acil \u00e7evrimi\u00e7i hesap \u00f6zeti<\/td><td><strong>52 GEL<\/strong><\/td><\/tr><tr><td>Kay\u0131t i\u00e7in belge \u00fczerindeki taraflar\u0131n imzalar\u0131n\u0131n do\u011frulanmas\u0131<\/td><td><strong>7 GEL<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u0130lgili masraflar\u0131n kesin tutar\u0131, bankaya, i\u015flem nesnesine, belgelerin men\u015fe \u00fclkesine ve se\u00e7ilen para transferi yoluna g\u00f6re bireysel olarak hesaplan\u0131r. Komisyonlar\u0131n listesini \u00f6nceden ilgili bankadan teyit ediniz.<\/p>\n\n\n\n<p><strong>Ba\u015fvuru yapmadan \u00f6nce bankaya sorulmas\u0131 gereken 10 soru<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Banka, tam olarak benim profilime g\u00f6re hangi maksimum LTV oran\u0131n\u0131 uygulayacak?<\/li>\n\n\n\n<li>Banka, gelirimi ve mevcut kredilerimi dikkate alarak PTI\u2019yi nas\u0131l hesaplayacak?<\/li>\n\n\n\n<li>Kredi hangi para biriminde kullan\u0131labilir?<\/li>\n\n\n\n<li>Faiz oran\u0131 sabit mi, yoksa endeksli mi?<\/li>\n\n\n\n<li>Hangi endeks kullan\u0131l\u0131yor ve oran ne s\u0131kl\u0131kla revize ediliyor?<\/li>\n\n\n\n<li>Y\u0131ll\u0131k efektif faiz oran\u0131 nedir?<\/li>\n\n\n\n<li>Kredi verilmesi i\u00e7in komisyon al\u0131n\u0131r m\u0131?<\/li>\n\n\n\n<li>Gayrimenkul sigortas\u0131 m\u0131, hayat sigortas\u0131 m\u0131 gereklidir?<\/li>\n\n\n\n<li>Erken \u00f6deme ko\u015fullar\u0131 nelerdir?<\/li>\n\n\n\n<li>Banka, belirli bir gayrimenkul ve in\u015faat firmas\u0131na y\u00f6nelik olarak hangi \u015fartlar\u0131 ar\u0131yor?<\/li>\n<\/ol>\n\n\n\n<p>Yurt d\u0131\u015f\u0131ndan para transferi yap\u0131yorsan\u0131z, \u015fu konuyla ilgili rehber size yard\u0131mc\u0131 olabilir: \u00ab<a href=\"\/tr\/all\/how-to-transfer-money-to-georgia-to-buy-real-estate\/\" target=\"_blank\">Gayrimenkul sat\u0131n almak i\u00e7in G\u00fcrcistan\u2019a nas\u0131l para g\u00f6nderilir?<\/a>&#171;. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage ne zaman mant\u0131kl\u0131d\u0131r?<\/h2>\n\n\n\n<p>\u0130potek, bir finansman arac\u0131d\u0131r; evrensel bir \u00e7\u00f6z\u00fcm de\u011fildir. \u0130pote\u011fin uygunlu\u011fu, al\u0131c\u0131n\u0131n somut durumuna ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>Mortgage \u015fu durumlarda uygun olabilir:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Al\u0131c\u0131 i\u00e7in, sermayenin tamam\u0131n\u0131 tek seferde dola\u015f\u0131mdan \u00e7ekmemek \u00f6nemlidir<\/li>\n\n\n\n<li>\u0130stikrarl\u0131 ve tamamen belgelenebilir bir gelir var<\/li>\n\n\n\n<li>M\u00fclk\u00fcn uzun vadeli elde tutulmas\u0131 planlanmaktad\u0131r<\/li>\n\n\n\n<li>Ayl\u0131k \u00f6deme, b\u00fct\u00e7eye rahatl\u0131kla s\u0131\u011far<\/li>\n\n\n\n<li>Al\u0131c\u0131, d\u00f6viz riskini net bir \u015fekilde anl\u0131yor ve bunu bilin\u00e7li olarak kabul ediyor<\/li>\n\n\n\n<li>S\u00f6z konusu varl\u0131k, teminat olarak bankan\u0131n \u015fartlar\u0131n\u0131 kar\u015f\u0131l\u0131yor<\/li>\n<\/ul>\n\n\n\n<p><strong>A\u015fa\u011f\u0131daki durumlarda ipotek daha az uygun bir se\u00e7enek olabilir:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gelir istikrars\u0131zd\u0131r veya belgelenmesi zordur<\/li>\n\n\n\n<li>Mevcut sermayenin b\u00fcy\u00fck bir k\u0131sm\u0131 yine de pe\u015finat olarak gerekiyor \u2014 ve kredi tutar\u0131 d\u00fc\u015f\u00fck olacak<\/li>\n\n\n\n<li>K\u0131sa vadede yeniden sat\u0131\u015f yap\u0131lmas\u0131 planlanmaktad\u0131r<\/li>\n\n\n\n<li>Se\u00e7ilen kurulu\u015f akredite de\u011fildir veya bankan\u0131n \u015fartlar\u0131n\u0131 kar\u015f\u0131lamamaktad\u0131r<\/li>\n\n\n\n<li>\u0130n\u015faat firmas\u0131, makul ko\u015fullarda k\u0131sa vadeli taksitli \u00f6deme se\u00e7ene\u011fi sunuyor<\/li>\n\n\n\n<li>D\u00f6viz riski, gelirle orant\u0131s\u0131zd\u0131r<\/li>\n<\/ul>\n\n\n\n<p><strong>Yat\u0131r\u0131m senaryosunu de\u011ferlendirenler i\u00e7in.<\/strong> Kira getirisini nominal mortgage faiz oran\u0131yla kar\u015f\u0131la\u015ft\u0131rmak yeterli de\u011fildir. Hesaplamaya \u015funlar da dahil edilmelidir: gayrimenkul\u00fcn bo\u015f kald\u0131\u011f\u0131 d\u00f6nemler, y\u00f6netim giderleri, onar\u0131m masraflar\u0131, vergiler, sat\u0131\u015f komisyonlar\u0131 ve finansman\u0131n toplam maliyeti.<\/p>\n\n\n\n<p><strong>Bankan\u0131n reddetmesinin olas\u0131 nedenleri:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gelir, belgelerle kan\u0131tlanamaz<\/li>\n\n\n\n<li>Gelir istikrars\u0131z ya da istenen tutar i\u00e7in PTI \u015fartlar\u0131na uymuyor<\/li>\n\n\n\n<li>Mevcut bor\u00e7 y\u00fck\u00fc \u00e7ok y\u00fcksek<\/li>\n\n\n\n<li>Gerekli LTV i\u00e7in yeterli \u00f6z sermaye bulunmamaktad\u0131r<\/li>\n\n\n\n<li>Varl\u0131k, de\u011ferlendirmeyi ge\u00e7emiyor veya bankan\u0131n teminat olarak belirledi\u011fi \u015fartlara uymuyor<\/li>\n\n\n\n<li>Gayrimenkul ile ilgili hukuki sorunlar<\/li>\n\n\n\n<li>D\u00f6viz parametrelerinin kredi politikas\u0131yla uyu\u015fmamas\u0131<\/li>\n\n\n\n<li>Banka, ilk \u00f6demede kullan\u0131lan fonlar\u0131n kayna\u011f\u0131n\u0131 tespit edemiyor<\/li>\n\n\n\n<li>Bankan\u0131n i\u00e7 risk modeli, bu m\u00fc\u015fteri profilinin onaylanmas\u0131na izin vermiyor<\/li>\n<\/ul>\n\n\n\n<p>Bunlar olas\u0131 nedenlerdir; t\u00fcm bankalar\u0131n resmi listesi de\u011fildir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Yabanc\u0131 al\u0131c\u0131lar i\u00e7in pratik bir ad\u0131m ad\u0131m k\u0131lavuz<\/h2>\n\n\n\n<p>Bir yabanc\u0131n\u0131n sorusu nadiren G\u00fcrcistan\u2019da ipotek olup olmad\u0131\u011f\u0131yla ilgilidir. As\u0131l soru \u015fudur: <strong>Hangi kredi, gelirine ve se\u00e7ti\u011fi gayrimenkul\u00fcne ger\u00e7ekten uygun?<\/strong> \u2014 ve bunu kapora imzalanmadan \u00f6nce, sonra de\u011fil, nas\u0131l \u00f6\u011frenebiliriz?<\/p>\n\n\n\n<p><strong>Daire rezervasyonu yapmadan \u00f6nce \u015funlar\u0131 kontrol edin<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banka hangi geliri dikkate almaya haz\u0131rd\u0131r?<\/li>\n\n\n\n<li>Kredi hangi para biriminde sunulmaktad\u0131r?<\/li>\n\n\n\n<li>Gelirinize hangi PTI uygulan\u0131r?<\/li>\n\n\n\n<li>Hangi \u00f6n kredi limiti onayland\u0131?<\/li>\n\n\n\n<li>M\u00fclk, banka i\u00e7in uygun mu?<\/li>\n\n\n\n<li>Banka de\u011ferlendirmesi nedir?<\/li>\n\n\n\n<li>Fiyat fark\u0131 ve LTV i\u00e7in kendi kaynaklar\u0131n\u0131z yeterli mi?<\/li>\n\n\n\n<li>Ne t\u00fcr ek masraflar ortaya \u00e7\u0131kacak?<\/li>\n\n\n\n<li>Geri \u00f6demesiz \u00f6deme yap\u0131lmadan \u00f6nce nihai onay al\u0131nd\u0131 m\u0131?<\/li>\n<\/ul>\n\n\n\n<p>Bu prosed\u00fcr t\u00fcm belirsizlikleri ortadan kald\u0131rmasa da, dairenin se\u00e7ilmesi ve kapora \u00f6denmesi sonras\u0131nda kredinin onaylanmamas\u0131 ya da i\u015flemin tamamlanmas\u0131 i\u00e7in yetersiz bir tutarda onaylanmas\u0131 gibi bir durumla kar\u015f\u0131la\u015fma riskini \u00f6nemli \u00f6l\u00e7\u00fcde azalt\u0131r.<\/p>","protected":false},"excerpt":{"rendered":"<p>Bir yabanc\u0131, G\u00fcrcistan\u2019da konut kredisi alabilir \u2014 G\u00fcrc\u00fc bankalar\u0131 ger\u00e7ekten [\u2026]<\/p>","protected":false},"author":14,"featured_media":16659,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[174],"tags":[],"class_list":["post-16658","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\/16658","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=16658"}],"version-history":[{"count":5,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16658\/revisions"}],"predecessor-version":[{"id":16768,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16658\/revisions\/16768"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/media\/16659"}],"wp:attachment":[{"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/media?parent=16658"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/categories?post=16658"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/tags?post=16658"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}