{"id":16923,"date":"2026-08-19T09:39:31","date_gmt":"2026-08-19T06:39:31","guid":{"rendered":"https:\/\/residence-estate.ge\/?p=16923"},"modified":"2026-08-19T09:39:33","modified_gmt":"2026-08-19T06:39:33","slug":"installment-plans-for-real-estate-in-georgia","status":"publish","type":"post","link":"https:\/\/residence-estate.ge\/tr\/all\/installment-plans-for-real-estate-in-georgia\/","title":{"rendered":"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme"},"content":{"rendered":"<p>G\u00fcrcistan\u2019daki yeni in\u015faat piyasas\u0131nda al\u0131c\u0131, neredeyse her zaman \u00fc\u00e7 \u00f6deme se\u00e7ene\u011fiyle kar\u015f\u0131la\u015f\u0131r: tam tutar\u0131n pe\u015fin \u00f6denmesi, in\u015faat firmas\u0131 taraf\u0131ndan sunulan taksitli \u00f6deme veya banka ipote\u011fi. \u0130lk ikisi birbirine benziyor \u2014 para do\u011frudan m\u00fcteahhide \u00f6deniyor \u2014 ancak ko\u015fullar, vade s\u00fcreleri ve hukuki yap\u0131 bak\u0131m\u0131ndan temel farkl\u0131l\u0131klar ta\u015f\u0131yor. \u201c0% 24 ay taksit\u201d ibaresi, al\u0131c\u0131n\u0131n sonu\u00e7ta ne kadar \u00f6deyece\u011fini hen\u00fcz g\u00f6stermez. \u0130ki proje aras\u0131nda, pe\u015fin \u00f6deme ve taksitli \u00f6deme durumunda daire fiyat\u0131, ilk taksit, son \u00f6deme, gecikme ko\u015fullar\u0131 ve m\u00fclkiyet hakk\u0131n\u0131n tescil tarihi farkl\u0131l\u0131k g\u00f6sterebilir. Ayn\u0131 \u201c0%, 24 ay\u201d i\u015faretine sahip iki proje, tamamen farkl\u0131 toplam \u00f6deme tutarlar\u0131n\u0131, farkl\u0131 al\u0131c\u0131 haklar\u0131n\u0131 ve \u00f6deme plan\u0131n\u0131n ihlali durumunda farkl\u0131 sonu\u00e7lar\u0131 gizleyebilir.<\/p>\n\n\n\n<p>Bu makale, in\u015faat firmas\u0131n\u0131n sundu\u011fu taksitlendirme sistemini ayr\u0131nt\u0131l\u0131 olarak ele almaktad\u0131r: hukuki a\u00e7\u0131dan nas\u0131l i\u015fledi\u011fini, hangi unsurlar\u0131 i\u00e7erdi\u011fini, s\u00f6zle\u015fmede nelere dikkat edilmesi gerekti\u011fini, \u00f6demelerin gecikmesi durumunda ortaya \u00e7\u0131kabilecek senaryolar\u0131 ve sadece ayl\u0131k \u00f6deme tutar\u0131na odaklanmadan iki teklifi nas\u0131l kar\u015f\u0131la\u015ft\u0131r\u0131labilece\u011fini anlatmaktad\u0131r.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u00d6nemli noktalar\u0131n \u00f6zeti.<\/strong> Tipik bir taksitlendirme d\u00fczenlemesinde, al\u0131c\u0131, gayrimenkul bedelinin kararla\u015ft\u0131r\u0131lan bir takvime g\u00f6re taksitler halinde \u00f6denmesini \u00f6ng\u00f6ren bir s\u00f6zle\u015fmeyi geli\u015ftirici veya sat\u0131c\u0131yla imzalar. Klasik do\u011frudan taksitlendirme sisteminde banka yer almaz. \u0130lk taksit tutar\u0131, s\u00fcre, \u00f6deme s\u0131kl\u0131\u011f\u0131, haklar\u0131n tescil zaman\u0131 ve gecikmenin sonu\u00e7lar\u0131, ilgili s\u00f6zle\u015fme ve projenin ko\u015fullar\u0131na g\u00f6re belirlenir. Ticari taksitlendirme programlar\u0131 i\u00e7in tek bir ulusal standart bulunmamaktad\u0131r.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme: \u00d6nemli noktalar<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Taksitlendirme ko\u015fullar\u0131 t\u00fcm pazar i\u00e7in standartla\u015ft\u0131r\u0131lmam\u0131\u015ft\u0131r. \u201c0%\u201d kodlu iki proje aras\u0131nda ilk taksit, vade, pe\u015fin \u00f6deme ve taksitli \u00f6deme fiyatlar\u0131, m\u00fclkiyet hakk\u0131n\u0131n tescil tarihi ve s\u00f6zle\u015fmenin feshi ko\u015fullar\u0131 a\u00e7\u0131s\u0131ndan \u00f6nemli farkl\u0131l\u0131klar olabilir.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Soru<\/th><th>K\u0131sa cevap<\/th><\/tr><\/thead><tbody><tr><td>Taksit imk\u00e2n\u0131n\u0131 kim sunuyor?<\/td><td>Genellikle m\u00fcteahhit veya sat\u0131c\u0131<\/td><\/tr><tr><td>Banka gerekli mi?<\/td><td>Klasik sabit taksit sisteminde \u2014 yok<\/td><\/tr><tr><td>Tek bir azami s\u00fcre var m\u0131?<\/td><td>Hay\u0131r, bu program ve s\u00f6zle\u015fmeyle belirlenir<\/td><\/tr><tr><td>0% modeli mevcut mu?<\/td><td>Evet, bu t\u00fcr programlar var, ancak fiyat\u0131 tam \u00f6demeyle kar\u015f\u0131la\u015ft\u0131rmak gerekir<\/td><\/tr><tr><td>Gelir beyan\u0131 gerekli mi?<\/td><td>Belirli bir sat\u0131c\u0131n\u0131n \u015fartlar\u0131na ba\u011fl\u0131d\u0131r<\/td><\/tr><tr><td>Bir yabanc\u0131 bu \u00fcr\u00fcn\u00fc sat\u0131n alabilir mi?<\/td><td>Genel olarak, yabanc\u0131lar daire sat\u0131n alabilirler; tar\u0131m arazileri i\u00e7in ise \u00f6zel k\u0131s\u0131tlamalar ge\u00e7erlidir<\/td><\/tr><tr><td>M\u00fclkiyet hakk\u0131 ne zaman do\u011far?<\/td><td>\u0130lgili hakk\u0131n resmi olarak tescil edilmesinden sonra<\/td><\/tr><tr><td>Uzaktan sat\u0131n almak m\u00fcmk\u00fcn m\u00fc?<\/td><td>Belge gerekliliklerine uyuldu\u011fu takdirde, belirli a\u015famalar veya bir temsilci arac\u0131l\u0131\u011f\u0131yla yap\u0131lan i\u015flem uzaktan ger\u00e7ekle\u015ftirilebilir<\/td><\/tr><tr><td>\u00d6ncelikle neleri kontrol etmelisiniz?<\/td><td>Toplam fiyat, ilk taksit, \u00f6deme plan\u0131, son \u00f6deme, tapu tescili, vade a\u015f\u0131m\u0131 ve s\u00f6zle\u015fmenin feshi<\/td><\/tr><tr><td>Tek bir ilk \u00f6deme var m\u0131?<\/td><td>Hay\u0131r, projeye ba\u011fl\u0131. <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Tek bir azami s\u00fcre var m\u0131? \u2014 Hay\u0131r, bu s\u00fcre programa ve s\u00f6zle\u015fmeye g\u00f6re belirlenir.<\/strong> Genellikle \u00f6deme plan\u0131 in\u015faat\u0131n tamamlanmas\u0131na kadar hesaplan\u0131r, ancak baz\u0131 projelerde tesisin tesliminden sonra da \u00f6demeler \u00f6ng\u00f6r\u00fclmektedir. G\u00fcncel teklifler aras\u0131nda 12 ila 60 ay aras\u0131nda de\u011fi\u015fen s\u00fcreli programlar bulunmaktad\u0131r; kesin s\u00fcre, projeye, in\u015faat a\u015famas\u0131na ve ilk taksit tutar\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>0% kodu i\u00e7in taksitlendirme m\u00fcmk\u00fcn m\u00fc? \u2014 Evet.<\/strong> \u00ab0%\u00bb genellikle, kalan tutara taksitlendirme i\u00e7in ayr\u0131 bir faiz oran\u0131 uygulanmad\u0131\u011f\u0131 anlam\u0131na gelir. Bu, s\u0131f\u0131r pe\u015finat anlam\u0131na gelmez: ilk \u00f6deme, s\u00f6z konusu projenin ko\u015fullar\u0131na g\u00f6re belirlenir. Ayr\u0131ca, taksitli \u00f6deme durumunda dairenin fiyat\u0131, 100% \u00f6deme ko\u015fullar\u0131ndaki fiyattan farkl\u0131 olabilir; bu nedenle i\u015flemin toplam tutar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak gerekir.<\/p>\n\n\n\n<p><strong>Tek bir ilk \u00f6deme var m\u0131? \u2014 Hay\u0131r, projeye g\u00f6re de\u011fi\u015fir.<\/strong> Bir\u00e7ok programda yakla\u015f\u0131k 30% tutar\u0131nda bir ilk \u00f6deme s\u00f6z konusudur, ancak ko\u015fullar b\u00fcy\u00fck \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6stermektedir: Baz\u0131 projelerde ilk \u00f6deme 10% olabilir veya daha da d\u00fc\u015f\u00fck olabilir. \u0130lk \u00f6deme gerektirmeyen teklifler de mevcuttur. Asgari ilk \u00f6deme tutar\u0131na sahip g\u00fcncel projeler hakk\u0131nda bilgi almak i\u00e7in The Residence uzmanlar\u0131na WhatsApp \u00fczerinden dan\u0131\u015fabilirsiniz.<br><a href=\"https:\/\/wa.me\/+995599050123\" target=\"_blank\" rel=\"nofollow noopener\">WhatsApp \u00fczerinden minimum ilk \u00f6deme gerektiren projeler hakk\u0131nda ayr\u0131nt\u0131l\u0131 bilgi almak<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130n\u015faat firmas\u0131n\u0131n sundu\u011fu taksitlendirme nedir?<\/h2>\n\n\n\n<p>Tipik bir taksitlendirme d\u00fczeninde al\u0131c\u0131, gayrimenkul bedelinin taksitler halinde \u00f6denmesini \u00f6ng\u00f6ren bir s\u00f6zle\u015fmeyi geli\u015ftirici veya sat\u0131c\u0131yla imzalar. Klasik do\u011frudan d\u00fczenlemede banka, kredi veren olarak yer almaz, faiz oran\u0131 belirlemez ve standart kredi derecelendirmesi yapmaz. Somut hukuki yap\u0131 ve haklar\u0131n tescil edildi\u011fi zaman, s\u00f6zle\u015fmeye ve gayrimenkul\u00fcn t\u00fcr\u00fcne ba\u011fl\u0131d\u0131r; tutar\u0131n bir k\u0131sm\u0131n\u0131n ipotekle kar\u015f\u0131lan\u0131p, bir k\u0131sm\u0131n\u0131n ise do\u011frudan in\u015faat firmas\u0131na \u00f6dendi\u011fi karma \u00fcr\u00fcnler de m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<p>Taksitli \u00f6deme se\u00e7ene\u011finin en s\u0131k g\u00f6r\u00fcld\u00fc\u011f\u00fc temel senaryo, in\u015faat halindeki bir binada daire sat\u0131n almakt\u0131r. \u0130\u015fte bu durumda, in\u015faat firmas\u0131 fonlar\u0131 a\u015famal\u0131 olarak toplamaya ilgi duyarken, al\u0131c\u0131 da in\u015faat tamamlanmadan \u00f6nce konutu sat\u0131n alma imk\u00e2n\u0131 elde eder; bu durumda fiyat ve ko\u015fullar, projeye, in\u015faat a\u015famas\u0131na ve in\u015faat firmas\u0131n\u0131n ticari politikas\u0131na ba\u011fl\u0131d\u0131r. Uygulamada \u00f6deme plan\u0131 genellikle in\u015faat s\u00fcresiyle ba\u011flant\u0131l\u0131d\u0131r, ancak bu durum projenin ticari politikas\u0131na ba\u011fl\u0131d\u0131r; taksitlendirme, binan\u0131n tesliminden sonra da devam edebilir.<\/p>\n\n\n\n<p>T\u00fcketici kredisiyle aras\u0131ndaki temel fark, m\u00fcteahhitten al\u0131nan do\u011frudan taksitli sat\u0131\u015fta banka ile kredi s\u00f6zle\u015fmesi yap\u0131lmamas\u0131 ve banka faiz oranlar\u0131n\u0131n uygulanmamas\u0131d\u0131r. Klasik do\u011frudan taksitlendirme modelinde, bu i\u015flem al\u0131c\u0131 ile sat\u0131c\u0131 veya in\u015faat \u015firketi aras\u0131nda, banka kredisi olmaks\u0131z\u0131n ger\u00e7ekle\u015ftirilir. Bu nedenle ko\u015fullar, somut ticari teklife ve s\u00f6zle\u015fmeye g\u00f6re belirlenir ve projeden projeye \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6sterebilir.<\/p>\n\n\n\n<p><strong>Taksitlendirme, t\u00fcm piyasa i\u00e7in ayn\u0131 parametrelere sahip tek bir devlet program\u0131 de\u011fildir.<\/strong> \u00d6rne\u011fin, varsayal\u0131m ki: bir m\u00fcteahhit 10% tutar\u0131nda ilk \u00f6deme ve 36 ay vadeli bir plan sunarken, di\u011feri 40% tutar\u0131nda ilk \u00f6deme ve 12 ay vadeli bir plan sunabilir. Her ikisi de buna taksitli \u00f6deme diyor. Bunlar\u0131, \u00f6deme plan\u0131n\u0131n ad\u0131yla de\u011fil, somut rakamlar ve s\u00f6zle\u015fme ko\u015fullar\u0131yla kar\u015f\u0131la\u015ft\u0131rmak gerekir.<\/p>\n\n\n\n<p>Basitle\u015ftirilmi\u015f i\u015flem ak\u0131\u015f\u0131 \u015fu \u015fekildedir:<\/p>\n\n\n\n<p><strong>M\u00fclk se\u00e7imi \u2192 Ko\u015fullar\u0131n mutabakat\u0131 \u2192 \u0130lk taksit \u2192 S\u00f6zle\u015fme \u2192 \u00d6deme plan\u0131na g\u00f6re \u00f6demeler \u2192 Tam hesaplama \u2192 S\u00f6zle\u015fme ko\u015fullar\u0131na g\u00f6re devir ve\/veya tescil.<\/strong><\/p>\n\n\n\n<p>M\u00fclk\u00fcn devri ve m\u00fclkiyet hakk\u0131n\u0131n tescil edilmesi, s\u00f6zle\u015fmede tam olarak neyin belirtildi\u011fine ve m\u00fclk\u00fcn hangi a\u015famada oldu\u011funa ba\u011fl\u0131d\u0131r \u2014 bu konuyla ilgili daha ayr\u0131nt\u0131l\u0131 bilgi, haklar\u0131n tescili ba\u015fl\u0131kl\u0131 b\u00f6l\u00fcmde yer almaktad\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\/2_rezultat-11-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme\" class=\"wp-image-16926\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/2_rezultat-11.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Taksit ko\u015fullar\u0131 nelerden olu\u015fur?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130lk taksit<\/h3>\n\n\n\n<p>\u0130lk taksit \u2014 al\u0131c\u0131n\u0131n s\u00f6zle\u015fmede veya \u00fczerinde anla\u015fmaya var\u0131lan i\u015flem ko\u015fullar\u0131nda belirtilen s\u00fcre i\u00e7inde \u00f6demesi gereken bedelin ilk k\u0131sm\u0131d\u0131r. \u0130n\u015faat firmas\u0131 i\u00e7in bu, al\u0131c\u0131n\u0131n niyetinin ciddiyetini teyit eden ve in\u015faat\u0131n erken a\u015famas\u0131nda k\u0131smi finansman sa\u011flayan bir unsurdur. Al\u0131c\u0131 i\u00e7in ise bu, i\u015fleme giri\u015f noktas\u0131d\u0131r.<\/p>\n\n\n\n<p>\u0130lk taksitin tutar\u0131, ilgili projeye, in\u015faat a\u015famas\u0131na ve geli\u015ftiricinin politikas\u0131na ba\u011fl\u0131d\u0131r. Piyasada \u00e7ok farkl\u0131 seviyeler mevcuttur: herhangi bir aral\u0131\u011f\u0131 evrensel bir standart olarak belirtmek do\u011fru olmaz. \u0130n\u015faat\u0131n ilk a\u015famalar\u0131nda baz\u0131 geli\u015ftiriciler daha esnek \u00f6deme planlar\u0131 sunar, ancak ko\u015fullar s\u00f6z konusu projeye ve sat\u0131c\u0131n\u0131n ticari politikas\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p>\u0130lk taksit tutar\u0131 <strong>belki<\/strong> Nihai fiyat\u0131 ve di\u011fer ticari ko\u015fullar\u0131 etkilemek: Daha y\u00fcksek bir pe\u015finat, bazen daha iyi ko\u015fullar elde etmeyi veya vadeyi k\u0131saltmay\u0131 sa\u011flar. Bu konuyu \u00f6nceden in\u015faat firmas\u0131na dan\u0131\u015fmak gerekir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00d6deme s\u00fcresi ve takvimi<\/h3>\n\n\n\n<p>Taksit s\u00fcresiyle \u00f6demelerin da\u011f\u0131t\u0131lma \u015fekli, fiyat\u0131n kendisi kadar \u00f6nemli parametrelerdir. \u00d6deme planlar\u0131 farkl\u0131 \u015fekillerde olabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ayl\u0131k sabit \u00f6demeler<\/strong> \u2014 bakiyenin e\u015fit par\u00e7alara b\u00f6l\u00fcnd\u00fc\u011f\u00fc en anla\u015f\u0131l\u0131r se\u00e7enektir.<\/li>\n\n\n\n<li><strong>\u00dc\u00e7 ayl\u0131k veya a\u015famal\u0131 \u00f6demeler<\/strong> \u2014 in\u015faat a\u015famalar\u0131na veya belirli tarihlere ba\u011fl\u0131d\u0131r.<\/li>\n\n\n\n<li><strong>Ki\u015fiye \u00f6zel grafikler<\/strong> \u2014 al\u0131c\u0131 ile m\u00fcteahhit, standart d\u0131\u015f\u0131 bir y\u00fck da\u011f\u0131l\u0131m\u0131 konusunda anla\u015fmaya vard\u0131klar\u0131nda.<\/li>\n\n\n\n<li><strong>Balloon payment (son b\u00fcy\u00fck \u00f6deme)<\/strong> \u2014 program\u0131n sonunda tutar\u0131n \u00f6nemli bir k\u0131sm\u0131n\u0131n tek seferde \u00f6denmesi ve bu \u00f6demenin genellikle evin teslimat\u0131 ile ayn\u0131 zamana denk gelmesi \u015feklinde i\u015fleyen bir sistem.<\/li>\n<\/ul>\n\n\n\n<p>Son se\u00e7ene\u011fi do\u011fru bir \u015fekilde anlamak \u00f6zellikle \u00f6nemlidir. Vade boyunca \u00f6denen k\u00fc\u00e7\u00fck bir ayl\u0131k taksit, bir anda \u00f6nemli miktarda para gerektirecek b\u00fcy\u00fck bir son \u00f6demeyi gizleyebilir. \u0130ki program\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken sadece ayl\u0131k taksit tutar\u0131na odaklanmamak gerekir; zaman i\u00e7indeki \u00f6deme y\u00fck\u00fcn\u00fcn da\u011f\u0131l\u0131m\u0131na da bakmak gerekir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fiyat ve faiz oranlar\u0131<\/h3>\n\n\n\n<p>Bu, en \u00f6nemli ve ayn\u0131 zamanda en s\u0131k basitle\u015ftirilen b\u00f6l\u00fcmd\u00fcr.<\/p>\n\n\n\n<p><strong>\u201c0% taksitlendirme\u201d ile fazla \u00f6deme yap\u0131lmamas\u0131 ayn\u0131 \u015fey de\u011fildir.<\/strong> Faizsiz taksit imkan\u0131 sunan bir in\u015faat firmas\u0131, \u00f6deme \u015fekline g\u00f6re farkl\u0131 fiyatlar belirleyebilir. Tam \u00f6deme durumunda in\u015faat firmas\u0131 ayr\u0131 bir indirim sunabilir; bu nedenle do\u011fru bir kar\u015f\u0131la\u015ft\u0131rma yapabilmek i\u00e7in ayn\u0131 gayrimenkul\u00fcn farkl\u0131 \u00f6deme \u015fekillerine g\u00f6re fiyatlar\u0131n\u0131 \u00f6\u011frenmek gerekir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Taksitli \u00f6deme ile pe\u015fin \u00f6deme aras\u0131ndaki fiyat fark\u0131, al\u0131c\u0131 i\u00e7in taksitli \u00f6deme se\u00e7ene\u011finin getirdi\u011fi ek maliyeti ortaya koymaktad\u0131r \u2014 her ne kadar hi\u00e7bir yerde ayr\u0131 bir faiz oran\u0131 belirtilmemi\u015f olsa da.<\/strong> Bununla birlikte, bu farktan geli\u015ftiricinin fiyatland\u0131rma yap\u0131s\u0131n\u0131n i\u00e7 i\u015fleyi\u015fi hakk\u0131nda bir sonuca var\u0131lamaz.<\/p>\n<\/blockquote>\n\n\n\n<p>Fiyat fark\u0131n\u0131 \u201cgizli faiz\u201d olarak nitelemek, yanl\u0131\u015f bir basitle\u015ftirme olur. Bu, ticari fiyatlar aras\u0131ndaki fark ya da tek seferde \u00f6deme durumunda ka\u00e7\u0131r\u0131lan indirim olabilir. Ancak al\u0131c\u0131 i\u00e7in \u00f6nemli olan sonu\u00e7tur: her senaryoda (taksit, pe\u015fin \u00f6deme, promosyon, art\u0131r\u0131lm\u0131\u015f ilk taksit) \u00f6denecek toplam tutar\u0131 kar\u015f\u0131la\u015ft\u0131rmak gerekir.<\/p>\n\n\n\n<p>Ayr\u0131ca \u015funu da kontrol etmekte fayda var: S\u00f6zle\u015fmede, toplam tutar\u0131 art\u0131ran komisyonlar, i\u015flem \u00fccretleri veya di\u011fer gider kalemleri olup olmad\u0131\u011f\u0131na bak\u0131n.<\/p>\n\n\n\n<p><strong>Tablo 1. Taksitli \u00f6deme ko\u015fullar\u0131nda nelerin kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131 gerekti\u011fi<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Parametre<\/th><th>Neleri kontrol etmeli<\/th><th>Neden \u00f6nemlidir?<\/th><\/tr><\/thead><tbody><tr><td>Taksitli \u00f6deme fiyat\u0131<\/td><td>S\u00f6zle\u015fmeye g\u00f6re toplam tutar<\/td><td>Kar\u015f\u0131la\u015ft\u0131rman\u0131n temeli<\/td><\/tr><tr><td>100% ile \u00f6deme durumunda fiyat<\/td><td>Tam \u00f6deme yap\u0131ld\u0131\u011f\u0131nda indirim var m\u0131?<\/td><td>Taksitlendirme i\u00e7in ek \u00fccret<\/td><\/tr><tr><td>\u0130lk taksit<\/td><td>\u00d6denecek tutar ve \u00f6deme s\u00fcresi<\/td><td>Giri\u015f noktas\u0131n\u0131 belirler<\/td><\/tr><tr><td>Taksit s\u00fcresi<\/td><td>Ay\/a\u015fama say\u0131s\u0131<\/td><td>Mali y\u00fck\u00fcn ufku<\/td><\/tr><tr><td>\u00d6deme s\u0131kl\u0131\u011f\u0131<\/td><td>Ayl\u0131k, \u00fc\u00e7 ayl\u0131k, a\u015famal\u0131 olarak<\/td><td>B\u00fct\u00e7e planlamas\u0131n\u0131 etkiler<\/td><\/tr><tr><td>Son \u00f6deme<\/td><td>Sonunda b\u00fcy\u00fck bir \u00f6deme var m\u0131?<\/td><td>Hesaplamalardan g\u00f6zden ka\u00e7\u0131rmamak<\/td><\/tr><tr><td>Fiyat ve \u00f6demelerde kullan\u0131lan para birimi<\/td><td>Fiyat hangi para biriminde belirtilmi\u015ftir ve fiili \u00f6deme hangi para biriminde yap\u0131lmal\u0131d\u0131r?<\/td><td>Gelir ve y\u00fck\u00fcml\u00fcl\u00fcklerin para birimlerinin farkl\u0131 olmas\u0131 durumunda ortaya \u00e7\u0131kan d\u00f6viz riski<\/td><\/tr><tr><td>Erken \u00f6deme<\/td><td>Bu m\u00fcmk\u00fcn m\u00fc, fiyat\u0131 etkiler mi?<\/td><td>Planlarda de\u011fi\u015fiklik yapma esnekli\u011fi<\/td><\/tr><tr><td>Gecikme cezas\u0131<\/td><td>Gecikme faizi tutar\u0131, \u00f6demesiz d\u00f6nem<\/td><td>Program\u0131n aksamas\u0131n\u0131n sonu\u00e7lar\u0131<\/td><\/tr><tr><td>\u0130ptal ko\u015fullar\u0131<\/td><td>\u0130ade prosed\u00fcr\u00fc ve tutar\u0131<\/td><td>\u0130\u015flemden \u00e7\u0131kma senaryosu<\/td><\/tr><tr><td>Haklar\u0131n tescil edildi\u011fi tarih<\/td><td>Ne zaman ve ne t\u00fcr i\u015flemler yap\u0131l\u0131r?<\/td><td>Al\u0131c\u0131n\u0131n hukuki korumas\u0131<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>G\u00fcrcistan\u2019da hangi daireleri taksitle sat\u0131n alabilirsiniz?<\/strong><\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Taksitli \u00f6deme se\u00e7ene\u011fi, \u00f6ncelikle Batum ve Tiflis\u2019teki yeni in\u015faat projelerinde g\u00f6r\u00fclmektedir. Ko\u015fullar, ayn\u0131 \u015fehirdeki projeler aras\u0131nda bile farkl\u0131l\u0131k g\u00f6sterebilir: \u0130n\u015faat firmas\u0131, daireye, in\u015faat a\u015famas\u0131na ve o anki ticari teklife ba\u011fl\u0131 olarak ilk taksit tutar\u0131n\u0131, program s\u00fcresini ve \u00f6deme plan\u0131n\u0131 de\u011fi\u015ftirebilir.<\/p>\n\n\n\n<p>Bu nedenle, soyut bir \u201c36 ayl\u0131k taksit plan\u0131\u201d aramak yerine, \u00f6nce b\u00fct\u00e7enizi ve \u00f6deyebilece\u011finiz ayl\u0131k tutar\u0131 belirlemek, ard\u0131ndan bu tutara uygun projeleri kar\u015f\u0131la\u015ft\u0131rmak daha pratik olacakt\u0131r.<\/p>\n<\/blockquote>\n\n\n\n<p>B\u00fct\u00e7enizi ve size uygun \u00f6deme tutar\u0131n\u0131 belirlediyseniz, art\u0131k se\u00e7im a\u015famas\u0131na ge\u00e7ebilirsiniz: The Residence uzmanlar\u0131, g\u00fcncel projeleri kar\u015f\u0131la\u015ft\u0131rman\u0131za ve ilk pe\u015finat tutar\u0131, vade s\u00fcresi ve \u00f6deme plan\u0131 a\u00e7\u0131s\u0131ndan en uygun taksit ko\u015fullar\u0131na sahip m\u00fclkleri se\u00e7menize yard\u0131mc\u0131 olacakt\u0131r.<br><a href=\"\/tr\/quiz\/\" target=\"_blank\">G\u00fcrcistan'da taksitli gayrimenkul se\u00e7mek<\/a><\/p>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\">Batum ve Tiflis\u2019te taksitli \u00f6deme: Aralar\u0131nda bir fark var m\u0131?<\/h3>\n\n\n\n<p>Taksitli \u00f6deme se\u00e7ene\u011fi, \u00fclkenin en b\u00fcy\u00fck iki pazar\u0131ndaki yeni in\u015faat projelerinde de mevcuttur; ancak bir \u015fehri yaln\u0131zca \u00f6deme plan\u0131n\u0131n s\u00fcresine g\u00f6re se\u00e7mek do\u011fru de\u011fildir.<\/p>\n\n\n\n<p><strong>Batum'da<\/strong> Yeni konut arz\u0131n\u0131n \u00f6nemli bir k\u0131sm\u0131, tatil ama\u00e7l\u0131 ve yat\u0131r\u0131m ama\u00e7l\u0131 projelerle ilgilidir. Projeleri kar\u015f\u0131la\u015ft\u0131r\u0131rken, in\u015faat s\u00fcresini, i\u00e7 mekan kaplama t\u00fcr\u00fcn\u00fc, daireyi teslim ald\u0131ktan sonra ortaya \u00e7\u0131kacak masraflar\u0131 ve projenin kal\u0131c\u0131 ikamet mi yoksa a\u011f\u0131rl\u0131kl\u0131 olarak kiraya m\u0131 y\u00f6nelik oldu\u011funu dikkate almak \u00f6zellikle \u00f6nemlidir.<\/p>\n\n\n\n<p><strong>Tiflis\u2019te<\/strong> Se\u00e7im yaparken \u00f6ncelikle b\u00f6lgeyi, ula\u015f\u0131m olanaklar\u0131n\u0131, dairenin kullan\u0131m amac\u0131n\u0131 ve s\u00f6z konusu konut kompleksinin \u00f6zelliklerini g\u00f6z \u00f6n\u00fcnde bulundurmak gerekir. Fiyat ve taksit ko\u015fullar\u0131, b\u00f6lgelere ve projelere g\u00f6re \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6sterebilir.<\/p>\n\n\n\n<p>Her iki durumda da sadece ilk taksit tutar\u0131n\u0131 ve ay say\u0131s\u0131n\u0131 de\u011fil, ayn\u0131 zamanda \u015funlar\u0131 da kar\u015f\u0131la\u015ft\u0131r\u0131n:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>taksitli \u00f6deme durumunda dairenin toplam bedeli;<\/li>\n\n\n\n<li>100% \u00f6deme y\u00f6ntemiyle ayn\u0131 nesnenin fiyat\u0131;<\/li>\n\n\n\n<li>in\u015faat a\u015famas\u0131;<\/li>\n\n\n\n<li>devir s\u00fcresi;<\/li>\n\n\n\n<li>daire teslimindeki durumu;<\/li>\n\n\n\n<li>erken \u00f6deme ko\u015fullar\u0131;<\/li>\n\n\n\n<li>devredilebilirlik;<\/li>\n\n\n\n<li>hak tescil prosed\u00fcr\u00fc.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Uzun vadeli taksitlendirme, tek ba\u015f\u0131na bir projeyi daha k\u00e2rl\u0131 hale getirmez. Uygun bir projede daha k\u0131sa vadeli bir \u00f6deme plan\u0131, fiyat, konum veya s\u00f6zle\u015fme ko\u015fullar\u0131 a\u00e7\u0131s\u0131ndan daha az uygun bir projede uzun vadeli taksitlendirmeye k\u0131yasla bazen daha mant\u0131kl\u0131 olabilir.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Hangi daireyi taksitle sat\u0131n alabilece\u011finizi nas\u0131l anlayabilirsiniz?<\/h3>\n\n\n\n<p>\u00d6n de\u011ferlendirme i\u00e7in d\u00f6rt say\u0131ya ihtiya\u00e7 vard\u0131r:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>hemen \u00f6demek istedi\u011finiz tutar;<\/li>\n\n\n\n<li>ayl\u0131k maksimum rahat \u00f6deme tutar\u0131;<\/li>\n\n\n\n<li>\u00f6deme yapmaya haz\u0131r olduklar\u0131 s\u00fcre;<\/li>\n\n\n\n<li>sat\u0131n alma i\u015flemi i\u00e7in kullan\u0131lmayacak olan rezerv.<\/li>\n<\/ol>\n\n\n\n<p>Basitle\u015ftirilmi\u015f form\u00fcl:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Kullan\u0131labilir b\u00fct\u00e7e \u2248 ilk taksit + d\u00fczenli \u00f6demelerin toplam\u0131 + planlanan son \u00f6deme.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>\u00d6rne\u011fin, al\u0131c\u0131 $25 000\u2019i pe\u015fin olarak \u00f6demek ve iki y\u0131l boyunca ayda $2 000\u2019e kadar \u00f6deme yapmak isterse, d\u00fczenli \u00f6demelerin toplam\u0131 $48 000\u2019e kadar olacakt\u0131r. Son \u00f6deme hari\u00e7 tutuldu\u011funda, i\u015flemin tahmini b\u00fct\u00e7esi yakla\u015f\u0131k $73 000 tutar\u0131ndad\u0131r.<\/p>\n\n\n\n<p>Ama bu daha de\u011fil <strong>anlamaz<\/strong>, $73 000 de\u011ferindeki herhangi bir dairenin sat\u0131n al\u0131nabilece\u011fi anlam\u0131na gelmez: belirli bir in\u015faat firmas\u0131 farkl\u0131 bir pe\u015finat talep edebilir, daha k\u0131sa bir vade belirleyebilir veya in\u015faat\u0131n belirli bir a\u015famas\u0131nda b\u00fcy\u00fck bir \u00f6deme yap\u0131lmas\u0131n\u0131 \u015fart ko\u015fabilir.<\/p>\n\n\n\n<p>Bu nedenle do\u011fru s\u0131ra \u015f\u00f6yledir:<\/p>\n\n\n\n<p><strong>Ba\u015flang\u0131\u00e7 sermayesi \u2192 kabul edilebilir ayl\u0131k \u00f6deme \u2192 vade \u2192 uygun b\u00fct\u00e7e \u2192 uygun \u00f6deme plan\u0131na sahip projeler \u2192 s\u00f6zle\u015fmenin incelenmesi.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Onlarca grafi\u011fi elle saymak istemiyor musunuz?<\/strong> B\u00fct\u00e7enizi, ilk taksit tutar\u0131n\u0131z\u0131 ve size uygun ayl\u0131k \u00f6deme tutar\u0131n\u0131z\u0131 belirtin; biz de bu parametrelere uyan G\u00fcrcistan'daki projeleri se\u00e7elim.<br><br><a href=\"\/tr\/quiz\/\" target=\"_blank\">B\u00fct\u00e7eme uygun bir daire bulmak<\/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\">Taksit hesaplama \u00f6rne\u011fi<\/h2>\n\n\n\n<p>A\u015fa\u011f\u0131da, \u00f6rnek niteli\u011finde bir \u00f6rnek yer almaktad\u0131r. T\u00fcm rakamlar uydurmad\u0131r ve belirli bir proje teklifi niteli\u011fi ta\u015f\u0131mamaktad\u0131r.<\/p>\n\n\n\n<p>Diyelim ki dairenin fiyat\u0131 \u2014 <strong>$100 000<\/strong>. \u0130lk taksit \u2014 <strong>20% = $20 000<\/strong>. Kalan \u2014 <strong>$80 000<\/strong>.<\/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\/3_rezultat-9-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme\" class=\"wp-image-16927\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/3_rezultat-9.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Senaryo A \u2014 sabit ayl\u0131k \u00f6demeler<\/h3>\n\n\n\n<p>$80 000 bakiyesi 24 e\u015fit par\u00e7aya b\u00f6l\u00fcn\u00fcr: <strong>$3, ayl\u0131k 333<\/strong>. Y\u00fck e\u015fit olarak da\u011f\u0131t\u0131lm\u0131\u015ft\u0131r; son a\u015famada b\u00fcy\u00fck bir \u00f6deme s\u00f6z konusu de\u011fildir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Senaryo B \u2014 ayl\u0131k \u00f6demeler art\u0131 son taksit<\/h3>\n\n\n\n<p>Al\u0131c\u0131, 24 ay boyunca her ay $2 000 \u00f6der (toplamda $48 000) ve kalan tutar <strong>$32 000 tek seferde \u00f6denir<\/strong> ev teslim edildi\u011finde. Ayl\u0131k \u00f6deme y\u00fck\u00fc daha azd\u0131r, ancak son taksiti \u00f6nceden planlamak gerekir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Senaryo C \u2014 art\u0131r\u0131lm\u0131\u015f ilk taksit<\/h3>\n\n\n\n<p>\u0130lk taksit 40% ($40 000) olup, kalan $60 000 tutar\u0131 18 aya yay\u0131l\u0131r: ayl\u0131k $3 333. Vade s\u00fcresi daha k\u0131sa, ancak giri\u015f e\u015fi\u011fi daha y\u00fcksek. Bu varsay\u0131msal bir \u00f6rnektir; belirli bir projeye ili\u015fkin g\u00fcncel taksit ko\u015fullar\u0131 hakk\u0131nda The Residence uzmanlar\u0131ndan bilgi alabilirsiniz.<\/p>\n\n\n\n<p><strong>Tablo 2. \u00d6deme plan\u0131 \u00f6rne\u011fi (kurgusal)<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Senaryo<\/th><th>\u0130lk taksit<\/th><th>Ayl\u0131k \u00f6deme<\/th><th>Son \u00f6deme<\/th><th>Dikkate al\u0131nmas\u0131 gerekenler<\/th><\/tr><\/thead><tbody><tr><td>A \u2014 e\u015fit aral\u0131klarla<\/td><td>$20 000 (20%)<\/td><td>$3 333 \u00d7 24 ay<\/td><td>Hay\u0131r<\/td><td>Tahmin edilebilir y\u00fck<\/td><\/tr><tr><td>B \u2014 son harfiyle<\/td><td>$20 000 (20%)<\/td><td>$2 000 \u00d7 24 ay<\/td><td>$32 000<\/td><td>Evin teslimine kadar bir yedek paraya ihtiya\u00e7 var<\/td><\/tr><tr><td>C \u2014 y\u00fcksek katk\u0131 pay\u0131<\/td><td>$40 000 (40%)<\/td><td>$3 333 \u00d7 18 ay<\/td><td>Hay\u0131r<\/td><td>Giri\u015f e\u015fi\u011fi daha y\u00fcksek, s\u00fcre daha k\u0131sa<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>T\u00fcm rakamlar, ger\u00e7ek bir projenin ko\u015fullar\u0131n\u0131 yans\u0131tan de\u011fil, sadece \u00f6rnek niteli\u011findedir.<\/em><\/p>\n\n\n\n<p>\u0130ki ger\u00e7ek program\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken, yaln\u0131zca ayl\u0131k \u00f6deme tutar\u0131na odaklanmamak gerekir. B senaryosu ayl\u0131k bazda daha ucuz g\u00f6r\u00fcnse de, tek seferde \u00f6nemli miktarda para gerektirir. Do\u011fru kar\u015f\u0131la\u015ft\u0131rma y\u00f6ntemi \u015funa bakmakt\u0131r: <strong>\u00f6demelerin toplam tutar\u0131 ve zaman i\u00e7inde y\u00fck da\u011f\u0131l\u0131m\u0131<\/strong>, son \u00f6deme ve her t\u00fcrl\u00fc ek masraf dahil.<\/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\">Al\u0131c\u0131 ne zaman malik olur?<\/h2>\n\n\n\n<p>Bu konu, taksitlendirmeyle ilgili \u00e7o\u011fu kaynakta en \u00f6nemli ve en az net bir \u015fekilde a\u00e7\u0131klanan konulardan biridir.<\/p>\n\n\n\n<p>Gayrimenkul m\u00fclkiyet hakk\u0131, ilgili hakk\u0131n a\u015fa\u011f\u0131da belirtilen yerde tescil edilmesinden sonra do\u011far: <strong><a href=\"https:\/\/napr.gov.ge\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"nofollow noopener\">G\u00fcrcistan Kamu Kay\u0131t Sistemi (NAPR)<\/a><\/strong>. S\u00f6zle\u015fmenin imzalanmas\u0131, tek ba\u015f\u0131na kay\u0131tl\u0131 m\u00fclkiyet hakk\u0131n\u0131n otomatik olarak do\u011fdu\u011fu anlam\u0131na gelmez. Taraflar\u0131n bu t\u00fcr bir tescil i\u00e7in belgeleri ne zaman sunacaklar\u0131 \u2014 i\u015flemin imzalanmas\u0131ndan hemen sonra, belirli \u00f6demelerin yap\u0131lmas\u0131ndan sonra ya da s\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclen ba\u015fka bir a\u015famada \u2014 s\u00f6z konusu i\u015flemin hukuki yap\u0131s\u0131na ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n<p>Taksitli olarak yeni in\u015fa edilmi\u015f bir gayrimenkul sat\u0131n al\u0131rken kay\u0131t ko\u015fullar\u0131, ayn\u0131 anda birka\u00e7 fakt\u00f6re ba\u011fl\u0131d\u0131r: projenin tamamlanma a\u015famas\u0131, s\u00f6zle\u015fmenin imzaland\u0131\u011f\u0131 anda gayrimenkul\u00fcn hukuki durumu ve i\u015flemin yap\u0131s\u0131. \u0130\u015fte bu nedenle, \u201cm\u00fclkiyet ne zaman devredilir\u201d sorusunu soyut bir \u015fekilde sormak anlams\u0131zd\u0131r \u2014 cevap her zaman somuttur.<\/p>\n\n\n\n<p>Al\u0131c\u0131n\u0131n s\u00f6zle\u015fmeyi imzalamadan \u00f6nce \u00f6\u011frenmesi gerekenler:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Arazinin ve in\u015fa halindeki yap\u0131n\u0131n sahibi olarak kim kay\u0131tl\u0131d\u0131r?<\/strong> \u2014 Kamu Sicili verilerine g\u00f6re kontrol edilir.<\/li>\n\n\n\n<li><strong>Al\u0131c\u0131, s\u00f6zle\u015fme kapsam\u0131nda tam olarak neyi sat\u0131n almaktad\u0131r?<\/strong> \u2014 haz\u0131r bir daire, alacak hakk\u0131 veya ba\u015fka bir \u015fey.<\/li>\n\n\n\n<li><strong>Belirli bir i\u015flemde \u00f6ng\u00f6r\u00fclen hangi haklar, y\u00fck\u00fcml\u00fcl\u00fckler veya k\u0131s\u0131tlamalar Kamu Sicili\u2019ne kaydedilebilir?<\/strong> nihai hesaplama yap\u0131lana kadar.<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fmede m\u00fclkiyet hakk\u0131n\u0131n tescili i\u00e7in belgelerin sunulmas\u0131 \u00f6ng\u00f6r\u00fclm\u00fc\u015fse<\/strong> al\u0131c\u0131ya.<\/li>\n\n\n\n<li><strong>Bunun i\u00e7in hangi ko\u015fullar\u0131n sa\u011flanmas\u0131 gerekir?<\/strong> \u2014 Tam \u00f6deme ve binan\u0131n kullan\u0131ma a\u00e7\u0131lmas\u0131; her iki ko\u015fulun da ayn\u0131 anda yerine getirilmesi.<\/li>\n<\/ol>\n\n\n\n<p>G\u00fcrcistan Ulusal Kamu Sicil Kurumu (NAPR), resmi s\u00f6zle\u015fme \u00f6rneklerini yay\u0131nlamaktad\u0131r; bunlara \u015funlar da dahildir: <strong>taksitli gayrimenkul al\u0131m-sat\u0131m s\u00f6zle\u015fmesi<\/strong> (Taksitli \u00d6demeli Gayrimenkul Sat\u0131n Alma S\u00f6zle\u015fmesi) ve ayn\u0131 zamanda ipotekli ve taksitli \u00f6deme i\u00e7eren s\u00f6zle\u015fme. Bu durum, bu t\u00fcr i\u015flemlerin yerle\u015fik bir hukuki bi\u00e7ime sahip oldu\u011funu teyit etmektedir. Bunlara NAPR\u2019nin resmi web sitesinde \u015fu b\u00f6l\u00fcmden ula\u015f\u0131labilir: <strong>\u201cBelge \u00f6rnekleri\u201d<\/strong>.<br><a href=\"https:\/\/napr.gov.ge\/en\/page\/sample-documents\" target=\"_blank\" rel=\"nofollow noopener\">NAPR belge \u00f6rnekleri<\/a><\/p>\n\n\n\n<p>NAPR'da gayrimenkul haklar\u0131n\u0131n tescili \u00fccretli bir hizmettir. A\u011fustos 2026 itibar\u0131yla NAPR tarifelerine g\u00f6re: standart kay\u0131t (4 i\u015f g\u00fcn\u00fc) \u2014 150 GEL, h\u0131zland\u0131r\u0131lm\u0131\u015f kay\u0131t (1 i\u015f g\u00fcn\u00fc) \u2014 270 GEL, ba\u015fvuru g\u00fcn\u00fcnde \u2014 350 GEL. \u0130\u015flemden \u00f6nce, g\u00fcncel s\u00fcreler ve kay\u0131t \u00fccretleri NAPR\u2019nin resmi web sitesinde \u201c <strong>\u201cHizmetlerin S\u00fcreleri ve \u00dccretleri\u201d<\/strong>.<br><a href=\"https:\/\/napr.gov.ge\/en\/page\/fees-and-terms\/immovable-property-registration-fee\" target=\"_blank\" rel=\"nofollow noopener\">NAPR'da gayrimenkul tescili i\u00e7in s\u00fcreler ve \u00fccretler<\/a><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Taksitli \u00f6deme konusunda en \u00f6nemli soru, sadece \u201cayda ne kadar \u00f6deme yap\u0131laca\u011f\u0131\u201d de\u011fil, ayn\u0131 zamanda \u201cs\u00f6zle\u015fmenin imzalanmas\u0131ndan sonra al\u0131c\u0131n\u0131n hangi haklara sahip olaca\u011f\u0131 ve \u00f6demenin tamam\u0131 yap\u0131lana kadar Kamu Sicilinde neyin kaydedilece\u011fi\u201ddir.<\/strong><\/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\">S\u00f6zle\u015fmede neler bulunmal\u0131d\u0131r?<\/h2>\n\n\n\n<p>S\u00f6zle\u015fme, i\u015flemin en \u00f6nemli belgelerinden biridir; ancak Kamu Sicili\u2019ndeki veriler ve m\u00fclk\u00fcn hukuki durumu ile birlikte de\u011ferlendirilmesi gerekir. Al\u0131c\u0131n\u0131n bekledi\u011fi temel i\u015flem ko\u015fullar\u0131 ve taahh\u00fctler, s\u00f6zle\u015fmede ve eklerinde a\u00e7\u0131k\u00e7a belirtilmelidir.<\/p>\n\n\n\n<p>A\u015fa\u011f\u0131da, s\u00f6zle\u015fmede kontrol edilmesi ve belirtilmesi uygun olan \u015fartlar\u0131n listesi yer almaktad\u0131r. Her madde mevzuat taraf\u0131ndan ayn\u0131 \u015fekilde d\u00fczenlenmemektedir, ancak her birinin s\u00f6zle\u015fmede yer almas\u0131 anla\u015fmazl\u0131k riskini azalt\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\/4_rezultat-6-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme\" class=\"wp-image-16928\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/4_rezultat-6.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Nesnenin ayr\u0131nt\u0131l\u0131 a\u00e7\u0131klamas\u0131<\/strong> \u2014 adres, daire numaras\u0131, kat, bina.<\/li>\n\n\n\n<li><strong>Alan<\/strong> \u2014 toplam ve konut alan\u0131; fiili alan\u0131n sapmas\u0131 durumunda izlenecek prosed\u00fcr.<\/li>\n\n\n\n<li><strong>Donan\u0131m ve kaplama<\/strong> \u2014 Fiyata neler dahil, neler dahil de\u011fil.<\/li>\n\n\n\n<li><strong>Toplam fiyat<\/strong> \u2014 al\u0131c\u0131n\u0131n \u00f6demeyi taahh\u00fct etti\u011fi toplam tutar.<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fmenin para birimi<\/strong> \u2014 Fiyat\u0131n hangi para biriminde belirlendi\u011fi ve \u00f6demenin hangi para biriminde yap\u0131ld\u0131\u011f\u0131.<\/li>\n\n\n\n<li><strong>\u0130lk \u00f6demenin tutar\u0131 ve vadesi<\/strong> \u2014 kay\u0131t tarihi ve y\u00f6ntemi.<\/li>\n\n\n\n<li><strong>\u00d6deme takvimi<\/strong> \u2014 her bir \u00f6demenin kesin tarihleri ve tutarlar\u0131.<\/li>\n\n\n\n<li><strong>Kabul Edilen \u00d6deme Y\u00f6ntemleri<\/strong> \u2014 banka havalesi, nakit, di\u011fer.<\/li>\n\n\n\n<li><strong>Erken geri \u00f6deme prosed\u00fcr\u00fc<\/strong> \u2014 bu m\u00fcmk\u00fcn m\u00fc, fiyat veya indirime etki ediyor mu?<\/li>\n\n\n\n<li><strong>Gecikme cezalar\u0131 ve faizleri<\/strong> \u2014 tutar, hesaplama y\u00f6ntemi, \u00f6demesiz d\u00f6nem.<\/li>\n\n\n\n<li><strong>M\u00fclk\u00fcn devri i\u00e7in s\u00fcre<\/strong> \u2014 belirli bir tarih veya d\u00f6nem.<\/li>\n\n\n\n<li><strong>\u0130n\u015faat\u0131n gecikmesinin sonu\u00e7lar\u0131<\/strong> \u2014 Ev daha ge\u00e7 kiraya verilirse ne olur?<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fmenin feshine ili\u015fkin gerek\u00e7eler<\/strong> \u2014 Taraflar\u0131n her birinin inisiyatifiyle.<\/li>\n\n\n\n<li><strong>Para iadesi prosed\u00fcr\u00fc<\/strong> \u2014 ne zaman, ne kadar ve hangi ko\u015fullarda.<\/li>\n\n\n\n<li><strong>Al\u0131c\u0131n\u0131n \u00f6deme gecikmesinin sonu\u00e7lar\u0131<\/strong> \u2014 in\u015faat firmas\u0131n\u0131n s\u00f6zle\u015fmeyi feshetme hakk\u0131 ne zaman do\u011far?<\/li>\n\n\n\n<li><strong>Program\u0131n de\u011fi\u015ftirilebilme imkan\u0131<\/strong> \u2014 taraflar\u0131n mutabakat\u0131 olsun ya da olmas\u0131n.<\/li>\n\n\n\n<li><strong>Haklar\u0131n devri<\/strong> \u2014 Al\u0131c\u0131, borcunu tamamen \u00f6deyene kadar daireyi satabilir mi?<\/li>\n\n\n\n<li><strong>M\u00fclk\u00fcn al\u0131c\u0131ya devri an\u0131<\/strong> \u2014 teslim-kabul belgesi, s\u00fcreler.<\/li>\n\n\n\n<li><strong>M\u00fclkiyet hakk\u0131n\u0131n tescili i\u00e7in belgelerin sunuldu\u011fu tarih<\/strong> \u2014 ko\u015fullar ve usul.<\/li>\n\n\n\n<li><strong>Anla\u015fmazl\u0131klar\u0131n \u00e7\u00f6z\u00fcm\u00fc<\/strong> \u2014 yarg\u0131 yetkisi, \u00e7\u00f6z\u00fcm prosed\u00fcr\u00fc.<\/li>\n<\/ol>\n\n\n\n<p>\u0130mzalamadan \u00f6nce, \u201c<a href=\"\/tr\/all\/how-to-check-real-estate-in-georgia\/\" target=\"_blank\">G\u00fcrcistan'da gayrimenkul sat\u0131n almadan \u00f6nce nas\u0131l kontrol edilir?<\/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\">\u00d6deme gecikmesi durumunda ne olur?<\/h2>\n\n\n\n<p>Al\u0131c\u0131n\u0131n \u00f6demesini zaman\u0131nda yapmamas\u0131 gibi bir durum, ger\u00e7ek hayatta s\u0131k\u00e7a kar\u015f\u0131la\u015f\u0131lan bir durumdur. Ya\u015fam ko\u015fullar\u0131 de\u011fi\u015febilir ve bu durumun sonu\u00e7lar\u0131n\u0131 \u00f6nceden \u2014 s\u00f6zle\u015fme imzalanmadan \u00f6nce, ilk gecikmeden sonra de\u011fil \u2014 anlamak \u00f6nemlidir.<\/p>\n\n\n\n<p><strong>Gecikmenin somut sonu\u00e7lar\u0131 b\u00fcy\u00fck \u00f6l\u00e7\u00fcde s\u00f6zle\u015fmeye ba\u011fl\u0131 olmakla birlikte, s\u00f6zle\u015fme G\u00fcrcistan mevzuat\u0131 dikkate al\u0131narak uygulan\u0131r.<\/strong> Bu nedenle, s\u00f6zle\u015fme imzalanmadan \u00f6nce sadece gecikme faizi tutar\u0131n\u0131 ve fesih gerek\u00e7elerini de\u011fil, ayn\u0131 zamanda ilgili \u015fartlar\u0131n ge\u00e7erli hukuk \u00e7er\u00e7evesinde ge\u00e7erlili\u011fini de kontrol etmek gerekir. Hi\u00e7bir s\u00f6zle\u015fme \u015fart\u0131, yasadan tamamen ba\u011f\u0131ms\u0131z olarak ge\u00e7erli olamaz.<\/p>\n\n\n\n<p>S\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclm\u00fc\u015fse, olas\u0131 sonu\u00e7 se\u00e7enekleri:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hesaplama <strong>ceza veya para cezas\u0131<\/strong> gecikme s\u00fcresinin her g\u00fcn\u00fc i\u00e7in.<\/li>\n\n\n\n<li><strong>\u00d6deme erteleme s\u00fcresi<\/strong> \u2014 yapt\u0131r\u0131mlar\u0131n uygulanmad\u0131\u011f\u0131 birka\u00e7 g\u00fcn.<\/li>\n\n\n\n<li>Talep <strong>borcu kapatmak<\/strong> belirli bir s\u00fcre boyunca.<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fmenin feshi<\/strong> uzun s\u00fcreli veya tekrarlanan gecikmelerde.<\/li>\n\n\n\n<li>S\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclm\u00fc\u015fse ve y\u00fcr\u00fcrl\u00fckteki mevzuat\u00e7a izin veriliyorsa \u2014 <strong>kararla\u015ft\u0131r\u0131lan tutarlar\u0131n kesilmesi<\/strong> ya da s\u00f6zle\u015fmenin feshi durumunda ba\u015fka bir \u00f6deme d\u00fczeni.<\/li>\n\n\n\n<li><strong>Takvimin revizyonu<\/strong> taraflar\u0131n kar\u015f\u0131l\u0131kl\u0131 mutabakat\u0131yla \u2014 e\u011fer in\u015faat firmas\u0131 buna haz\u0131rsa.<\/li>\n<\/ul>\n\n\n\n<p>Al\u0131c\u0131n\u0131n pratik g\u00f6revi \u2014 <strong>t\u00fcm bu senaryolar\u0131 \u00f6nceden netle\u015ftirmek<\/strong>, m\u00fczakere pozisyonu hala g\u00fc\u00e7l\u00fc oldu\u011fu s\u00fcrece.<\/p>\n\n\n\n<p><strong>S\u00f6zle\u015fmeyi imzalamadan \u00f6nce m\u00fcteahhide sorulmas\u0131 gerekenler:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00d6deme 5 g\u00fcn gecikirse ne olur? 30 g\u00fcn gecikirse?<\/li>\n\n\n\n<li>Ceza uygulanmayan bir \u00f6demesiz s\u00fcre var m\u0131?<\/li>\n\n\n\n<li>\u00d6nceden haber verilirse \u00f6deme tarihi ertelenebilir mi?<\/li>\n\n\n\n<li>\u00d6deme tutar\u0131n\u0131 ge\u00e7ici olarak azaltmak m\u00fcmk\u00fcn m\u00fc?<\/li>\n\n\n\n<li>S\u00f6zle\u015fmenin feshedilmesi durumunda ilk \u00f6deme iade edilir mi?<\/li>\n\n\n\n<li>\u0130ade tutar\u0131 nas\u0131l hesaplan\u0131r?<\/li>\n\n\n\n<li>S\u00f6zle\u015fmenin feshi durumunda \u00f6deme ne zaman yap\u0131l\u0131r?<\/li>\n<\/ul>\n\n\n\n<p>Bu sorular\u0131n yan\u0131tlar\u0131 s\u00f6zle\u015fmede yer almal\u0131d\u0131r. E\u011fer in\u015faat firmas\u0131 bu sorulara cevap veremiyorsa veya ka\u00e7amak cevaplar veriyorsa, bu bir uyar\u0131 i\u015faretidir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Taksit, ipotek veya pe\u015fin \u00f6deme<\/h2>\n\n\n\n<p>Bu \u00fc\u00e7 ara\u00e7, farkl\u0131 ama\u00e7lara hizmet eder ve farkl\u0131 al\u0131c\u0131 kategorilerine uygundur. Bunlar\u0131n hi\u00e7biri her a\u00e7\u0131dan en iyisi de\u011fildir.<\/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\/5_rezultat-3-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme\" class=\"wp-image-16929\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/5_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Tablo 3. Taksitli \u00f6deme, ipotek ve pe\u015fin \u00f6deme kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kriter<\/th><th>Taksitli \u00f6deme<\/th><th>\u0130potek<\/th><th>100% \u00f6deme<\/th><\/tr><\/thead><tbody><tr><td>Finansman\u0131 kim sa\u011fl\u0131yor?<\/td><td>Emlak geli\u015ftiricisi<\/td><td>Banka<\/td><td>Al\u0131c\u0131 kendisi<\/td><\/tr><tr><td>Gelir kontrol\u00fc<\/td><td>S\u00f6zle\u015fmeye ba\u011fl\u0131d\u0131r<\/td><td>Gelir ve \u00f6deme g\u00fcc\u00fc de\u011ferlendirmesi, banka taraf\u0131ndan NBG\u2019nin gerekliliklerine uygun olarak yap\u0131l\u0131r<\/td><td>Gerek yok<\/td><\/tr><tr><td>Son teslim tarihi<\/td><td>Program ve s\u00f6zle\u015fmeyle belirlenir<\/td><td>\u00c7ok y\u0131ll\u0131k<\/td><td>Tek seferlik \u00f6deme<\/td><\/tr><tr><td>Y\u00fczdeler<\/td><td>S\u00f6zle\u015fmeye ve fiyat fark\u0131na ba\u011fl\u0131d\u0131r<\/td><td>Banka faiz oran\u0131<\/td><td>Hay\u0131r<\/td><\/tr><tr><td>Ba\u015flang\u0131\u00e7 sermayesi<\/td><td>Maliyetin bir k\u0131sm\u0131<\/td><td>Maliyetin bir k\u0131sm\u0131 + kredi masraflar\u0131<\/td><td>Toplam tutar<\/td><\/tr><tr><td>\u00c7al\u0131\u015fma saatlerinin esnekli\u011fi<\/td><td>S\u00f6zle\u015fmeye ba\u011fl\u0131d\u0131r<\/td><td>Banka taraf\u0131ndan standartla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r<\/td><td>Uygulanamaz<\/td><\/tr><tr><td>Ko\u015fullar\u0131n de\u011fi\u015fme riski<\/td><td>S\u00f6zle\u015fmeye dayal\u0131<\/td><td>Banka + s\u00f6zle\u015fmeye ba\u011fl\u0131<\/td><td>Gelecekteki \u00f6deme plan\u0131yla ilgili herhangi bir risk bulunmamaktad\u0131r; in\u015faat, s\u00f6zle\u015fme ve hukuki riskler devam etmektedir<\/td><\/tr><tr><td>Olas\u0131 indirim<\/td><td>Tam \u00f6deme indirimi ge\u00e7erli olmayabilir<\/td><td>Tam \u00f6deme indirimi ge\u00e7erli olmayabilir<\/td><td>\u00d6demenin tamam\u0131 yap\u0131ld\u0131\u011f\u0131nda, in\u015faat firmas\u0131 indirim sunabilir; indirimin olup olmad\u0131\u011f\u0131 ve miktar\u0131 projeye g\u00f6re de\u011fi\u015fir<\/td><\/tr><tr><td>Kimler i\u00e7in uygundur<\/td><td>Tutar\u0131n bir k\u0131sm\u0131 \u015fu anda elimde, geri kalan\u0131 daha sonra<\/td><td>Uzun vadeli finansmana ihtiya\u00e7 var<\/td><td>T\u00fcm tutar mevcut<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>G\u00fcrcistan\u2019da ger\u00e7ek ki\u015filere y\u00f6nelik banka kredileri, bor\u00e7lunun \u00f6deme g\u00fcc\u00fcn\u00fcn de\u011ferlendirilmesi de dahil olmak \u00fczere, Merkez Bankas\u0131 taraf\u0131ndan d\u00fczenlenmektedir. Denetim politikas\u0131 hakk\u0131nda daha fazla bilgi i\u00e7in web sitesini ziyaret edin <a href=\"https:\/\/nbg.gov.ge\/en\/page\/supervisory-policy-refor-1\" target=\"_blank\" rel=\"nofollow noopener\">G\u00fcrcistan Ulusal Bankas\u0131<\/a>. D\u00fczenleyici kurumun \u015fartlar\u0131 bankalar i\u00e7in ge\u00e7erlidir ve bu \u015fartlar, in\u015faat firmas\u0131n\u0131n sundu\u011fu ticari taksit plan\u0131na otomatik olarak uygulanmaz.<\/p>\n\n\n\n<p>Kar\u015f\u0131la\u015ft\u0131rmaya ili\u015fkin do\u011fru sonu\u00e7:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Taksitli \u00f6deme<\/strong> \u015eu anda bedelin bir k\u0131sm\u0131na sahip olan ve kalan tutar\u0131, programda \u00f6ng\u00f6r\u00fclen s\u00fcre i\u00e7inde banka kredisi kullanmadan \u00f6deyebilecek al\u0131c\u0131lar i\u00e7in uygun olabilir.<\/li>\n\n\n\n<li><strong>\u0130potek<\/strong> Uzun vadeli finansman ihtiyac\u0131 varsa \u2014 birka\u00e7 y\u0131l \u2014 daha faydal\u0131 olabilir, ancak banka prosed\u00fcrlerinin yerine getirilmesi gerekir. Daha fazla bilgi i\u00e7in \u201c<a href=\"\/tr\/all\/mortgages-in-georgia-for-foreigners\/\" target=\"_blank\">G\u00fcrcistan\u2019da Yabanc\u0131lar \u0130\u00e7in \u0130potek<\/a>&#171;.<\/li>\n\n\n\n<li><strong>Tam \u00f6deme<\/strong> Al\u0131c\u0131ya fiyat konusunda ek bir pazarl\u0131k avantaj\u0131 sa\u011flayabilir, ancak tutar\u0131n tamam\u0131n\u0131n pe\u015fin olarak \u00f6denmesini gerektirir.<\/li>\n<\/ul>\n\n\n\n<p><strong>Farkl\u0131 durumlarda ne se\u00e7meli?<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Durum<\/th><th>\u00d6ncelikle nelere dikkat edilmeli?<\/th><\/tr><\/thead><tbody><tr><td>Y\u00fcksek bir ilk taksit ve in\u015faat s\u00fcresince kalan tutar\u0131 kapatma imk\u00e2n\u0131 var<\/td><td>Taksitlendirme<\/td><\/tr><tr><td>Uzun y\u0131llara yay\u0131lan bir finansman s\u00fcresi gerekiyor<\/td><td>\u0130potek<\/td><\/tr><tr><td>Toplam tutar zaten mevcut<\/td><td>Toplam fiyat \u00fczerinden pe\u015fin \u00f6deme ile taksitli \u00f6demeyi kar\u015f\u0131la\u015ft\u0131r\u0131n<\/td><\/tr><tr><td>Ba\u015fka bir para birimindeki gelir<\/td><td>Her iki se\u00e7ene\u011fin d\u00f6viz riskini ayr\u0131 ayr\u0131 de\u011ferlendirmek<\/td><\/tr><tr><td>\u0130n\u015faat\u0131 devam eden daire plan\u0131<\/td><td>Projenin risklerini ve i\u015flemin hukuki yap\u0131s\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmak<\/td><\/tr><tr><td>\u015eu anda ta\u015f\u0131nmaya haz\u0131r bir daire ar\u0131yorum<\/td><td>Mevcut m\u00fclkleri, ipotek se\u00e7eneklerini ve mevcut \u00f6deme planlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n<\/td><\/tr><tr><td>Sat\u0131n alma i\u015flemi uzaktan ger\u00e7ekle\u015ftirilir<\/td><td>\u0130mza prosed\u00fcr\u00fcn\u00fc, vekaletnameyi ve banka havalesini ayr\u0131ca kontrol etmek<\/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>Karar, \u201ctaksitli \u00f6deme ipote\u011fe g\u00f6re daha iyidir\u201d ilkesi \u00fczerinden de\u011fil, finansman s\u00fcresi, toplam maliyet, kullan\u0131labilir sermaye miktar\u0131 ve s\u00f6z konusu gayrimenkul\u00fcn riskleri dikkate al\u0131narak verilmelidir.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Taksitli \u00f6deme mi, ipotek mi, hangisini se\u00e7ece\u011finizi bilmiyor musunuz?<\/strong><\/p>\n\n\n\n<p>Daireyi se\u00e7meden \u00f6nce \u00f6deme y\u00f6ntemine karar vermeniz gerekmez. B\u00fct\u00e7enizi, \u00f6deyebilece\u011finiz ilk taksit tutar\u0131n\u0131 ve sizin i\u00e7in uygun olan ayl\u0131k \u00f6deme tutar\u0131n\u0131 bize bildirin. Taksitli projeleri ve uygun alternatifleri kar\u015f\u0131la\u015ft\u0131r\u0131p, \u00f6demelerin tam yap\u0131s\u0131n\u0131 size g\u00f6sterece\u011fiz.<\/p>\n\n\n\n<p><strong><a href=\"\/tr\/quiz\/\" target=\"_blank\">[Testi \u00e7\u00f6z \u2014 4 soru]<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Taksitli sat\u0131n alman\u0131n riskleri<\/h2>\n\n\n\n<p>\u0130n\u015faat firmas\u0131n\u0131n sundu\u011fu taksitli \u00f6deme se\u00e7ene\u011fi, \u00f6demenin zamana yay\u0131lmas\u0131n\u0131 sa\u011flar, ancak baz\u0131 riskler de bar\u0131nd\u0131r\u0131r. Bu riskleri sistematik bir \u015fekilde de\u011ferlendirmek \u00f6nemlidir \u2014 s\u00f6zle\u015fme imzaland\u0131ktan sonra de\u011fil, proje se\u00e7im a\u015famas\u0131nda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130n\u015faat riski<\/h3>\n\n\n\n<p>Evin teslimat\u0131ndaki gecikme, in\u015faat halindeki bir gayrimenkul sat\u0131n al\u0131rken kar\u015f\u0131la\u015f\u0131labilecek \u00f6nemli risklerden biridir. Ev, belirtilen tarihten daha ge\u00e7 teslim edilebilir; planlar veya teknik \u00f6zellikler de\u011fi\u015ftirilebilir. S\u00f6zle\u015fme, gecikme durumunda ne olaca\u011f\u0131n\u0131 ve bunun al\u0131c\u0131ya hangi haklar\u0131 tan\u0131d\u0131\u011f\u0131n\u0131 a\u00e7\u0131k\u00e7a belirtmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Geli\u015ftiricinin riski<\/h3>\n\n\n\n<p>\u0130n\u015faat firmas\u0131n\u0131n mali durumu, tamamlanm\u0131\u015f projelerin ge\u00e7mi\u015fi, arsa haklar\u0131n\u0131n mevcut olup olmad\u0131\u011f\u0131, proje \u00fczerinde herhangi bir y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn bulunmamas\u0131 \u2014 t\u00fcm bunlar ilk \u00f6deme yap\u0131lmadan \u00f6nce kontrol edilmelidir. G\u00fcrcistan pazar\u0131 farkl\u0131 akt\u00f6rleri kendine \u00e7ekmektedir ve bunlar\u0131n aras\u0131nda hem uzun y\u0131llara dayanan ge\u00e7mi\u015fe sahip b\u00fcy\u00fck \u015firketler hem de daha az deneyimli in\u015faat firmalar\u0131 bulunmaktad\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">S\u00f6zle\u015fme riski<\/h3>\n\n\n\n<p>S\u00f6zle\u015fmedeki belirsiz ifadeler, in\u015faat firmas\u0131 lehine dengesiz yapt\u0131r\u0131mlar, para iadesi prosed\u00fcr\u00fcn\u00fcn belirsizli\u011fi \u2014 t\u00fcm bunlar, plandan herhangi bir sapma durumunda ciddi sorunlara yol a\u00e7abilir. Ko\u015fullar somut ve anla\u015f\u0131l\u0131r olmal\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">D\u00f6viz riski<\/h3>\n\n\n\n<p>G\u00fcrcistan emlak piyasas\u0131nda fiyatlar s\u0131kl\u0131kla ABD dolar\u0131 cinsinden belirtilir; ancak her bir i\u015flem i\u00e7in s\u00f6zle\u015fmedeki para birimi, \u00f6deme \u015fekli ve fiili \u00f6demenin yap\u0131laca\u011f\u0131 para birimi mutlaka kontrol edilmelidir. Al\u0131c\u0131n\u0131n geliri ve y\u00fck\u00fcml\u00fcl\u00fckleri farkl\u0131 para birimlerinde ifade ediliyorsa, kurdaki de\u011fi\u015fiklikler fiili mali y\u00fck\u00fc \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015ftirebilir. <strong>D\u00f6viz kurunu tahmin etmek imk\u00e2ns\u0131zd\u0131r, ancak bu fakt\u00f6r\u00fc g\u00f6z \u00f6n\u00fcnde bulundurmak gerekir.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kendi b\u00fct\u00e7esine ili\u015fkin risk<\/h3>\n\n\n\n<p>\u0130lk taksit sadece bir ba\u015flang\u0131\u00e7t\u0131r. Al\u0131c\u0131, tadilat, mobilya al\u0131m\u0131, tapu tescil i\u015flemleri ve m\u00fclk\u00fcn bak\u0131m\u0131na ili\u015fkin gelecekteki masraflar\u0131 da g\u00f6z \u00f6n\u00fcnde bulundurarak, vade boyunca \u00f6demeleri kar\u015f\u0131layabilecek mi diye ger\u00e7ek\u00e7i bir de\u011ferlendirme yapmal\u0131d\u0131r. <\/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\">M\u00fclk\u00fc ve in\u015faat firmas\u0131n\u0131 nas\u0131l kontrol edebilirim?<\/h2>\n\n\n\n<p>Denetim, bir formalite de\u011fil, sat\u0131n alma s\u00fcrecinin zorunlu bir par\u00e7as\u0131d\u0131r. \u00d6zellikle taksitli \u00f6demelerde: al\u0131c\u0131, \u00f6demelerin tamam\u0131 s\u00fcresince proje ve in\u015faat firmas\u0131yla bir ba\u011f kurar.<\/p>\n\n\n\n<p>Uygulamaya y\u00f6nelik ad\u0131mlar:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Geli\u015ftiriciye ait t\u00fczel ki\u015filik hakk\u0131nda bilgi almak<\/strong> \u2014 tam ad\u0131, sicil numaras\u0131, faaliyet ge\u00e7mi\u015fi.<\/li>\n\n\n\n<li><strong>Arsa m\u00fclkiyet haklar\u0131n\u0131 kontrol etmek<\/strong> \u2014 M\u00fclk sahibi veya kirac\u0131 kimdir, herhangi bir y\u00fck\u00fcml\u00fcl\u00fck, k\u0131s\u0131tlama veya rehin var m\u0131?<\/li>\n\n\n\n<li><strong>Kamu Sicilindeki verileri kontrol etmek<\/strong> \u2014 M\u00fclk \u00fczerinde kay\u0131tl\u0131 haklar, k\u0131s\u0131tlamalar ve y\u00fck\u00fcml\u00fcl\u00fckler.<\/li>\n\n\n\n<li><strong>\u0130zin belgelerini incelemek<\/strong> \u2014 in\u015faat ruhsat\u0131, projenin uygunlu\u011fu.<\/li>\n\n\n\n<li><strong>\u0130n\u015faat firmas\u0131n\u0131n tamamlanm\u0131\u015f projelerini g\u00f6r\u00fcnt\u00fclemek<\/strong> \u2014 Bunlar ger\u00e7ekten teslim edildi mi ve hangi tarihlerde?<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fmedeki daireyi proje belgeleriyle kar\u015f\u0131la\u015ft\u0131rmak<\/strong> \u2014 yerle\u015fim plan\u0131, alan, kat.<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fmeyi ve ekteki \u00f6deme plan\u0131n\u0131 kontrol etmek<\/strong> \u2014 s\u00f6zl\u00fc anla\u015fmalara uygunluk a\u00e7\u0131s\u0131ndan.<\/li>\n\n\n\n<li><strong>Kaplama \u00f6zelliklerini kaydetmek<\/strong> \u2014 Fiyata tam olarak neler dahildir?<\/li>\n\n\n\n<li><strong>Devir s\u00fcrelerinin \u015feffafl\u0131\u011f\u0131ndan emin olmak<\/strong> \u2014 s\u00f6zle\u015fme uyar\u0131nca m\u00fcteahhidin y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcn do\u011fdu\u011fu zaman.<\/li>\n\n\n\n<li><strong>Haklar\u0131n tescili prosed\u00fcr\u00fcn\u00fc netle\u015ftirmek<\/strong> \u2014 ilk \u00f6deme yap\u0131lana kadar, ondan sonra de\u011fil.<\/li>\n<\/ol>\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-3-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme\" class=\"wp-image-16930\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/6_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>G\u00fcrcistan'da belirli bir b\u00fct\u00e7eye ve size uygun bir \u00f6deme \u015fekline uygun bir gayrimenkul ar\u0131yor musunuz?<\/strong> <a href=\"\/tr\/quiz\/\" target=\"_blank\">Birka\u00e7 soruyu yan\u0131tlay\u0131n<\/a>, ve The Residence ekibi, se\u00e7enekleri tam da size uygun taksit ko\u015fullar\u0131na sahip projelerle s\u0131n\u0131rland\u0131racakt\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\">G\u00fcrcistan\u2019da taksitle daire sat\u0131n alma: ad\u0131m ad\u0131m<\/h2>\n\n\n\n<p><strong>1. Ad\u0131m. B\u00fct\u00e7enizi belirleyin.<\/strong> \u0130lk taksit tutar\u0131n\u0131, kabul edilebilir ayl\u0131k \u00f6deme tutar\u0131n\u0131 ve yedek tutar\u0131 belirleyin.<\/p>\n\n\n\n<p><strong>2. Ad\u0131m. Projeleri se\u00e7in.<\/strong> Sadece daireleri de\u011fil, in\u015faat s\u00fcresini, ilk taksit tutar\u0131n\u0131 ve \u00f6deme plan\u0131n\u0131n tamam\u0131n\u0131 da kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n\n\n\n<p><strong>3. Ad\u0131m. \u0130ki fiyat teklifi isteyin.<\/strong> Ayn\u0131 dairenin taksitli ve pe\u015fin \u00f6deme se\u00e7eneklerindeki fiyatlar\u0131n\u0131 \u00f6\u011frenin.<\/p>\n\n\n\n<p><strong>4. Ad\u0131m. \u00d6demelerin tam takvimini al\u0131n.<\/strong> Bu belgede t\u00fcm tarihler, tutarlar ve olas\u0131 son \u00f6deme tutar\u0131 a\u00e7\u0131k\u00e7a g\u00f6r\u00fclmelidir.<\/p>\n\n\n\n<p><strong>5. Ad\u0131m. \u00dcr\u00fcn\u00fc ve sat\u0131c\u0131y\u0131 kontrol edin.<\/strong> Kamu Sicilindeki verileri, arsa haklar\u0131n\u0131, y\u00fck\u00fcml\u00fcl\u00fckleri ve proje belgelerini inceleyin.<\/p>\n\n\n\n<p><strong>6. Ad\u0131m. S\u00f6zle\u015fmeyi kontrol edin.<\/strong> \u00d6zellikle dikkat edilmesi gereken hususlar: haklar\u0131n tescili, devir s\u00fcresi, gecikme, s\u00f6zle\u015fmenin feshi, paran\u0131n iadesi ve haklar\u0131n devri.<\/p>\n\n\n\n<p><strong>7. Ad\u0131m. S\u00f6zle\u015fmeyi imzalay\u0131n ve s\u00f6zle\u015fmede belirtilen usule g\u00f6re \u00f6demeleri yap\u0131n.<\/strong><\/p>\n\n\n\n<p><strong>8. Ad\u0131m. Programa uyun.<\/strong> Her \u00f6demeyi teyit eden belgeleri saklay\u0131n.<\/p>\n\n\n\n<p><strong>9. Ad\u0131m. Dairenin teslimat\u0131n\u0131 yap\u0131n.<\/strong> Objenin s\u00f6zle\u015fme ve \u015fartnameye uygunlu\u011funu kontrol edin.<\/p>\n\n\n\n<p><strong>10. Ad\u0131m. M\u00fclkiyet hakk\u0131n\u0131, s\u00f6zle\u015fmede \u00f6ng\u00f6r\u00fclen usule uygun olarak tescil ettirin.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Somut s\u00fcre\u00e7, haz\u0131r bir daire mi yoksa in\u015faat halindeki bir daire mi sat\u0131n al\u0131nd\u0131\u011f\u0131na ve s\u00f6zle\u015fmede ilgili hakk\u0131n resmi tescilinin ne zaman \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcne ba\u011fl\u0131 olarak farkl\u0131l\u0131k g\u00f6sterebilir.<\/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\">Yabanc\u0131lar i\u00e7in taksitli \u00f6deme<\/h2>\n\n\n\n<p>G\u00fcrcistan\u2019daki yeni in\u015faat pazar\u0131, di\u011ferlerinin yan\u0131 s\u0131ra yabanc\u0131 al\u0131c\u0131lara da y\u00f6neliktir ve bir\u00e7ok gayrimenkul geli\u015ftiricisi ba\u015fka \u00fclkelerin vatanda\u015flar\u0131yla \u00e7al\u0131\u015fmaktad\u0131r. Yabanc\u0131lar, genel olarak, \u00f6zel k\u0131s\u0131tlamalara tabi olmayan daireleri ve di\u011fer gayrimenkulleri sat\u0131n alabilir ve tapu kayd\u0131n\u0131 yapt\u0131rabilirler. <strong>Tar\u0131msal araziler i\u00e7in ayr\u0131 kurallar ge\u00e7erlidir<\/strong> \u2014 Bu konunun, s\u00f6z konusu tesise g\u00f6re ayr\u0131 ayr\u0131 ele al\u0131nmas\u0131 gerekir.<\/p>\n\n\n\n<p>Yabanc\u0131 al\u0131c\u0131lara y\u00f6nelik somut \u015fartlar, geli\u015ftirici taraf\u0131ndan ticari politikas\u0131 \u00e7er\u00e7evesinde belirlenir. T\u00fcm projelerin, yurtd\u0131\u015f\u0131nda ikamet eden ki\u015filerle tamamen ayn\u0131 ko\u015fullarda \u00e7al\u0131\u015ft\u0131\u011f\u0131 s\u00f6ylenemez.<\/p>\n\n\n\n<p>Yabanc\u0131 al\u0131c\u0131n\u0131n kimli\u011finin tespit edilmesi i\u00e7in, ilgili kay\u0131t prosed\u00fcr\u00fc kapsam\u0131nda kabul edilen belgeler kullan\u0131l\u0131r. Somut belge listesi, NAPR\u2019den veya e\u015flik eden avukattan \u00f6\u011frenilmelidir.<\/p>\n\n\n\n<p>Bankac\u0131l\u0131k yoluyla yap\u0131lan \u00f6demelere \u00f6zellikle dikkat etmek gerekir. Y\u00fcksek tutarl\u0131 uluslararas\u0131 havalelerde banka, AML\/KYC denetimi kapsam\u0131nda ek belgeler talep etme hakk\u0131na sahiptir; buna fonlar\u0131n kayna\u011f\u0131 ve i\u015flemin ekonomik gerek\u00e7esi hakk\u0131ndaki bilgiler de dahildir. Bu, G\u00fcrcistan\u2019a \u00f6zg\u00fc bir durum de\u011fil; standart bir uluslararas\u0131 uygulamad\u0131r. \u0130lk \u00f6demenin yap\u0131ld\u0131\u011f\u0131 anda de\u011fil, \u00f6nceden gereklilikleri netle\u015ftirmek daha iyidir.<\/p>\n\n\n\n<p>Uluslararas\u0131 \u00e7eviri uygulamalar\u0131 hakk\u0131nda daha fazla bilgi i\u00e7in \u2014 \u201c<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<h3 class=\"wp-block-heading\">Yabanc\u0131 bir al\u0131c\u0131 i\u00e7in hangi belgeler gerekebilir?<\/h3>\n\n\n\n<p>Gerekli belgelerin tam listesi, i\u015flemin yap\u0131s\u0131na, sat\u0131c\u0131ya, belgelerin imzalanma \u015fekline ve \u00f6demenin banka yoluna ba\u011fl\u0131d\u0131r. Uygulamada, al\u0131c\u0131n\u0131n a\u015fa\u011f\u0131dakilerin gerekebilece\u011fine \u00f6nceden haz\u0131rl\u0131kl\u0131 olmas\u0131 \u00f6nerilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>kimlik belgesi;<\/li>\n\n\n\n<li>i\u015flemin taraflar\u0131n\u0131n kimliklerinin tespit edilmesi i\u00e7in gerekli belgeler ve veriler;<\/li>\n\n\n\n<li>vekaletname \u2014 temsilci g\u00f6revdeyse;<\/li>\n\n\n\n<li>belirli bir i\u015flem i\u00e7in gerekli oldu\u011fu durumlarda yabanc\u0131 bir belgenin G\u00fcrc\u00fcceye \u00e7evirisi;<\/li>\n\n\n\n<li>\u00d6deme i\u015flemi ve AML\/KYC kontrol\u00fc s\u0131ras\u0131nda banka taraf\u0131ndan talep edilecek belgeler.<\/li>\n<\/ul>\n\n\n\n<p>Al\u0131c\u0131 bir temsilci arac\u0131l\u0131\u011f\u0131yla i\u015flem yap\u0131yorsa, vekaletname formu ve G\u00fcrcistan d\u0131\u015f\u0131nda d\u00fczenlenmi\u015f belgenin tan\u0131nma prosed\u00fcr\u00fc ayr\u0131 olarak incelenir.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>T\u00fcm taksitlendirmeler i\u00e7in ge\u00e7erli tek bir belge listesi yoktur: in\u015faat firmas\u0131n\u0131n ticari gereklilikleri ile resmi kay\u0131t veya banka gereklilikleri birbirinden farkl\u0131d\u0131r.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Gelir belgesi gerekli mi?<\/h3>\n\n\n\n<p>Do\u011frudan taksitlendirmede, gayrimenkul geli\u015ftiricisi banka kredisi vermez; bu nedenle, ipotek kredisi verilmesi i\u00e7in bankan\u0131n \u015fartlar\u0131 bu t\u00fcr bir i\u015flem i\u00e7in otomatik olarak ge\u00e7erli olmaz.<\/p>\n\n\n\n<p>Ancak bu <strong>Bu, taksitli sat\u0131\u015f\u0131n her zaman al\u0131c\u0131ya y\u00f6nelik herhangi bir inceleme yap\u0131lmaks\u0131z\u0131n ger\u00e7ekle\u015ftirildi\u011fi anlam\u0131na gelmez<\/strong>. Proje geli\u015ftiricisi, belgelerle ilgili kendi \u015fartlar\u0131n\u0131 belirleyebilir; banka ise para transferi s\u0131ras\u0131nda gerekli AML\/KYC kontrollerini yapma hakk\u0131na sahiptir.<\/p>\n\n\n\n<p>Bu nedenle, rezervasyon yapmadan \u00f6nce \u015fu hususlar\u0131 ayr\u0131ca netle\u015ftirmeniz \u00f6nerilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Geli\u015ftirici hangi belgeleri talep ediyor;<\/li>\n\n\n\n<li>fon kayna\u011f\u0131n\u0131n teyit edilmesi gerekiyor mu;<\/li>\n\n\n\n<li>banka i\u00e7in hangi belgeler gerekebilir;<\/li>\n\n\n\n<li>Yurtd\u0131\u015f\u0131 hesaptan \u00f6deme yap\u0131labilir mi?<\/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\">Uzaktan daire sat\u0131n almak m\u00fcmk\u00fcn m\u00fc?<\/h2>\n\n\n\n<p>\u0130\u015flemin baz\u0131 a\u015famalar\u0131 uzaktan y\u00fcr\u00fct\u00fclebilir; baz\u0131 durumlarda ise t\u00fcm s\u00fcre\u00e7 bir temsilci arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilir. Somut prosed\u00fcr, belgelere, temsilcinin yetkilerine, m\u00fcteahhitin \u015fartlar\u0131na ve tescil y\u00f6ntemine g\u00f6re de\u011fi\u015fir.<\/p>\n\n\n\n<p><strong>Nesne se\u00e7imi<\/strong> video g\u00f6sterimi veya sanal tur yoluyla d\u00fczenlenebilir. Belgeler \u2014 proje dok\u00fcmantasyonu, arsa m\u00fclkiyet belgeleri, s\u00f6zle\u015fme \u00f6rne\u011fi \u2014 de uzaktan incelenebilir.<\/p>\n\n\n\n<p><strong>S\u00f6zle\u015fmenin imzalanmas\u0131<\/strong> Uzaktan yap\u0131lan i\u015flemlerde, bu i\u015flem genellikle bir vekil arac\u0131l\u0131\u011f\u0131yla ger\u00e7ekle\u015ftirilir. G\u00fcrcistan\u2019da yabanc\u0131 bir vekaletnamenin kullan\u0131lmas\u0131 i\u00e7in, ilgili \u00fclkede d\u00fczenlenmi\u015f belgelerin tan\u0131nma prosed\u00fcr\u00fcn\u00fcn kontrol edilmesi gerekir. Uygulanabilir uluslararas\u0131 d\u00fczenlemeye ba\u011fl\u0131 olarak apostil veya konsolosluk tasdiki gerekebilir; ayr\u0131ca belgenin G\u00fcrcistan makamlar\u0131nda kullan\u0131labilmesi i\u00e7in G\u00fcrciceye \u00e7evirisi de gerekebilir. <\/p>\n\n\n\n<p><strong>Banka havalesi<\/strong> \u2014 uzaktan i\u015flemlerde kullan\u0131lan standart \u00f6deme y\u00f6ntemlerinden biridir. \u00d6deme bilgilerini ve \u00f6deme amac\u0131n\u0131 \u00f6nceden kararla\u015ft\u0131rmak \u00f6nemlidir.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130ki taksit plan\u0131n\u0131 nas\u0131l kar\u015f\u0131la\u015ft\u0131rabilirim?<\/h2>\n\n\n\n<p>Diyelim ki, al\u0131c\u0131 iki proje aras\u0131nda se\u00e7im yap\u0131yor. Her ikisi de \u201c0% taksitli \u00f6deme\u201d olarak sunuluyor. Neyi kar\u015f\u0131la\u015ft\u0131rmal\u0131?<\/p>\n\n\n\n<p><strong>A Projesi<\/strong> \u2014 $100 000'lik bir daire, ilk taksit 20%, 24 ay, belirtilen faiz oran\u0131 yok.<\/p>\n\n\n\n<p><strong>B Projesi<\/strong> \u2014 Daire, pe\u015fin \u00f6deme durumunda $96 000, taksitli \u00f6deme ko\u015fullar\u0131nda $102 000; ilk taksit 30%, vade 36 ay.<\/p>\n\n\n\n<p>\u0130lk bak\u0131\u015fta A projesi daha cazip g\u00f6r\u00fcn\u00fcyor \u2014 fiyat\u0131 daha d\u00fc\u015f\u00fck, pe\u015finat\u0131 daha az. Ancak bu y\u00fczeysel bir kar\u015f\u0131la\u015ft\u0131rma.<\/p>\n\n\n\n<p>B projesinde, $6 000 tutar\u0131ndaki taksitli \u00f6deme se\u00e7ene\u011finin fiyat\u0131, pe\u015fin \u00f6deme fiyat\u0131ndan daha y\u00fcksektir. Al\u0131c\u0131 i\u00e7in bu fark, taksitli \u00f6demeyi tercih etmenin getirdi\u011fi ek maliyettir; ancak bu rakamlardan geli\u015ftiricinin fiyatland\u0131rma yap\u0131s\u0131n\u0131n i\u00e7 i\u015fleyi\u015fini tespit etmek m\u00fcmk\u00fcn de\u011fildir. A projesinde \u015funu netle\u015ftirmek gerekir: Tam \u00f6deme durumunda indirim \u00f6ng\u00f6r\u00fclm\u00fc\u015f m\u00fc? E\u011fer \u00f6yleyse, indirim tutar\u0131 ne kadar ve i\u015flemin toplam maliyetinde bir de\u011fi\u015fiklik oluyor mu?<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>A program\u0131n\u0131n sadece \u201cfazla \u00f6deme gerektirmedi\u011fi\u201d i\u00e7in daha iyi oldu\u011fu ya da B program\u0131n\u0131n sadece taksitli \u00f6deme durumunda fiyat\u0131n\u0131n daha y\u00fcksek oldu\u011fu i\u00e7in daha k\u00f6t\u00fc oldu\u011fu s\u00f6ylenemez. Toplam maliyet, \u00e7\u0131k\u0131\u015f ko\u015fullar\u0131, hukuki yap\u0131 ve varl\u0131\u011f\u0131n likiditesi kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/strong><\/p>\n<\/blockquote>\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-3-1024x577.webp\" alt=\"G\u00fcrcistan\u2019da gayrimenkul i\u00e7in taksitli \u00f6deme\" class=\"wp-image-16931\" srcset=\"https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-1024x577.webp 1024w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-300x169.webp 300w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3-18x10.webp 18w, https:\/\/residence-estate.ge\/wp-content\/uploads\/2026\/08\/7_rezultat-3.webp 1300w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Tablo 4. \u0130ki taksit plan\u0131n\u0131n kar\u015f\u0131la\u015ft\u0131rma kontrol listesi<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Kar\u015f\u0131la\u015ft\u0131rma amac\u0131yla bir soru<\/th><th>A Projesi<\/th><th>B Projesi<\/th><\/tr><\/thead><tbody><tr><td>Taksitli \u00f6deme fiyat\u0131<\/td><td>$100 000<\/td><td>$102 000<\/td><\/tr><tr><td>100% ile \u00f6deme durumunda fiyat<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>$96 000<\/td><\/tr><tr><td>\u0130lk taksit<\/td><td>$20 000 (20%)<\/td><td>$30 600 (30%)<\/td><\/tr><tr><td>Taksit s\u00fcresi<\/td><td>24 ay<\/td><td>36 ay<\/td><\/tr><tr><td>Ayl\u0131k \u00f6deme<\/td><td>~$3 333<\/td><td>~$2 000<\/td><\/tr><tr><td>Son b\u00fcy\u00fck \u00f6deme<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><\/tr><tr><td>\u0130n\u015faat a\u015famas\u0131<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><\/tr><tr><td>Son tarihler<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><\/tr><tr><td>S\u00f6zle\u015fmeden \u00e7ekilme ko\u015fullar\u0131<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><\/tr><tr><td>Devretme imk\u00e2n\u0131<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><\/tr><tr><td>Haklar\u0131n tescil edildi\u011fi tarih<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><td>Ayr\u0131nt\u0131l\u0131 bilgi almak<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>T\u00fcm rakamlar, y\u00f6ntemi a\u00e7\u0131klamak amac\u0131yla verilmi\u015f \u00f6rnek rakamlard\u0131r.<\/em><\/p>\n\n\n\n<p>Tablo, bir\u00e7ok h\u00fccreyi kas\u0131tl\u0131 olarak bo\u015f b\u0131rakmaktad\u0131r: Ger\u00e7ek bir kar\u015f\u0131la\u015ft\u0131rmal\u0131 analiz, her bir maddenin belirli bir projeye ait verilerle doldurulmas\u0131n\u0131 gerektirir. \u0130\u015fte karar verme y\u00f6ntemi budur \u2014 sezgisel de\u011fil, sistematik bir yakla\u015f\u0131m.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Taksitlendirme, bir pazarlama etiketi de\u011fil, bir ara\u00e7t\u0131r<\/h2>\n\n\n\n<p>Taksitli \u00f6deme, G\u00fcrc\u00fc gayrimenkul geli\u015ftiricilerinin tekliflerinde s\u0131kl\u0131kla kar\u015f\u0131m\u0131za \u00e7\u0131kmaktad\u0131r. Bu y\u00f6ntem, \u00f6demenin zamana yay\u0131lmas\u0131n\u0131 sa\u011flar, ancak riskler de bar\u0131nd\u0131r\u0131r; al\u0131c\u0131n\u0131n \u00f6deme plan\u0131na uyabilmesi ve s\u00f6zle\u015fme ile i\u015flemin hukuki yap\u0131s\u0131n\u0131n \u00f6nceden kontrol edilmesi ko\u015fuluyla uygun bir \u00f6deme y\u00f6ntemi olabilir.<\/p>\n\n\n\n<p>\u0130mzalamadan \u00f6nce kendinize birka\u00e7 soruyu sormal\u0131s\u0131n\u0131z: T\u00fcm \u00f6demeler hesaba kat\u0131ld\u0131\u011f\u0131nda toplam tutar ne kadar? Kamu Sicili\u2019nde al\u0131c\u0131 ad\u0131na tam olarak ne kay\u0131tl\u0131 ya da ne kay\u0131t edilecek? \u00d6deme gecikirse ne olur? Onar\u0131m, mobilya al\u0131m\u0131, bak\u0131m gibi \u00f6ng\u00f6r\u00fclemeyen harcamalar i\u00e7in bir finansal rezerviniz var m\u0131?<\/p>\n\n\n\n<p>S\u00f6z konusu taksitli \u00f6deme s\u00f6zle\u015fmesi, in\u015faat halindeki m\u00fclk\u00fcn tescil prosed\u00fcr\u00fc, gecikme cezalar\u0131 ve vekaletname d\u00fczenleme usul\u00fc, s\u00f6z konusu i\u015fleme \u00f6zel olarak bir G\u00fcrc\u00fc avukatla birlikte incelenmelidir.<\/p>\n\n\n\n<p>Buradan \u00e7\u0131kar\u0131lmas\u0131 gereken en \u00f6nemli nokta \u015fudur: <strong>De\u011ferlendirilmesi gereken, \u201ctaksit\u201d kelimesi de\u011fil, fiyat, \u00f6deme plan\u0131, s\u00f6zle\u015fme, in\u015faat a\u015famas\u0131 ve risklerin olu\u015fturdu\u011fu somut bir kombinasyondur.<\/strong> Ayn\u0131 a\u00e7\u0131klamaya sahip iki proje, i\u015flemin ger\u00e7ek ekonomik ko\u015fullar\u0131 ve al\u0131c\u0131n\u0131n hukuki g\u00fcvencesi a\u00e7\u0131s\u0131ndan \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131l\u0131k g\u00f6sterebilir.<\/p>\n\n\n\n<p>The Residence ekibi, G\u00fcrcistan\u2019\u0131n emlak piyasas\u0131nda \u2014 Batum, Tiflis, Gonio ve di\u011fer b\u00f6lgelerde \u2014 faaliyet g\u00f6stermekte ve taksit ko\u015fullar\u0131, in\u015faat a\u015famas\u0131 ve i\u015flemin hukuki yap\u0131s\u0131 g\u00f6z \u00f6n\u00fcnde bulundurularak projelerin kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131na yard\u0131mc\u0131 olmaktad\u0131r.<\/p>","protected":false},"excerpt":{"rendered":"<p>G\u00fcrcistan\u2019daki yeni in\u015faat piyasas\u0131nda al\u0131c\u0131 neredeyse her zaman \u00fc\u00e7 se\u00e7enekle kar\u015f\u0131la\u015f\u0131r [\u2026]<\/p>","protected":false},"author":14,"featured_media":16925,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[174],"tags":[],"class_list":["post-16923","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\/16923","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=16923"}],"version-history":[{"count":7,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16923\/revisions"}],"predecessor-version":[{"id":17032,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/posts\/16923\/revisions\/17032"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/media\/16925"}],"wp:attachment":[{"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/media?parent=16923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/categories?post=16923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/residence-estate.ge\/tr\/wp-json\/wp\/v2\/tags?post=16923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}