{"id":12850,"date":"2012-03-14T14:51:03","date_gmt":"2012-03-14T12:51:03","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=12850"},"modified":"2012-03-14T14:51:33","modified_gmt":"2012-03-14T12:51:33","slug":"gelirler-artiyor-tasarruf-artmiyor","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/gelirler-artiyor-tasarruf-artmiyor\/","title":{"rendered":"Gelirler Art\u0131yor Tasarruf Artm\u0131yor!"},"content":{"rendered":"<p>T\u00fcrkiye&#8217;de tasarruflar\u0131n en \u00e7ok y\u00f6neldi\u011fi alanlardan biri gayrimenkuldur. Arac\u0131 Kurumlar Birli\u011fi&#8217;nin yapt\u0131rd\u0131\u011f\u0131 ankete g\u00f6re ilk akla gelen yat\u0131r\u0131m ara\u00e7lar\u0131 alt\u0131n, mevduat, d\u00f6viz ve gayrimenkuldur. \u00fcstelik son 5 y\u0131lda reel faizler iyice d\u00fc\u015ft\u00fc, hatta yok oldu. D\u00f6viz de son 10 y\u0131l\u0131n 3 y\u0131l\u0131 hari\u00e7 kaybettirdi. Finansal piyasalardan gayrimenkule ge\u00e7i\u015fin bir sonucunu tasarruf oranlar\u0131n\u0131n d\u00fc\u015fmesinde g\u00f6r\u00fcyoruz. Milli gelirin y\u00fczde 20&#8217;si d\u00fczeyindeki tasarruf oran\u0131 y\u00fczde 12&#8217;ye geriledi.<br \/>\n<strong><\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3937607670\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p><strong>PARA NEREDE:<\/strong>\u00a0Enflasyonun tek haneli rakamlara d\u00fc\u015ft\u00fc\u011f\u00fc, faizin tek haneli oldu\u011fu bir d\u00f6nemde kazanc\u0131n daha \u00e7ok reel ekonomiden elde edilmesi do\u011fal bir sonu\u00e7tur. Son y\u0131llarda olan da paran\u0131n veya tasarruflar\u0131n reel ekonomik faaliyetlere yat\u0131r\u0131lmas\u0131d\u0131r. Yoksa ki\u015fi ba\u015f\u0131na gelir 2.500 dolardan 10 bin dolara y\u00fckselmi\u015f. Artan bu geliri g\u00fcnl\u00fck harcamalarla \u00e7ar\u00e7ur edecek kadar ihtiyats\u0131z bir toplum de\u011filiz. Elde edilen gelirler reel sermaye stokunu art\u0131r\u0131yor. Finansal servetler ise yerinde say\u0131yor.<br \/>\nAzalan tasarruflarda konut veya gayrimenkul\u00fcn pay\u0131 y\u00fcksek. Bunu b\u00fcy\u00fck kentlerde hatta Anadolu nun pek \u00e7ok \u015fehrinde yeni bina ve konutlardan g\u00f6zlemlemek de m\u00fcmk\u00fcn. Bu do\u011fruysa y\u00fczde 12&#8217;lere d\u00fc\u015fen tasarruf oran\u0131 da \u00f6yle kolay kolay s\u0131\u00e7rat\u0131lamaz. \u00c7\u00fcnk\u00fc in\u015faat yat\u0131r\u0131mlar\u0131 genelde hanehalk\u0131 i\u00e7in en b\u00fcy\u00fck tutarl\u0131 yat\u0131r\u0131mlard\u0131r. \u00d6demesi hemen bir y\u0131lda bitmez. Yar\u0131m da b\u0131rakamazs\u0131n\u0131z.<br \/>\nBir de alt\u0131n fiyatlar\u0131 son 10 y\u0131ld\u0131r y\u00fckseliyor. T\u00fcrk halk\u0131 da bu araca yat\u0131r\u0131m\u0131 \u00e7ok seviyor. Tasarruflar\u0131n bir b\u00f6l\u00fcm\u00fc de alt\u0131na gitti.<\/p>\n<p><strong>Emlak yat\u0131r\u0131m\u0131 yerliler i\u00e7in \u00e7ifte kazanc\u0131n yolu<\/strong><\/p>\n<p>Yat\u0131r\u0131m anlay\u0131\u015f\u0131ndaki son y\u0131llardaki de\u011fi\u015fimin isabetli oldu\u011funu bize 2011 verileri de s\u00f6yl\u00fcyor.<br \/>\n\u25a0 Gayrimenkul\u00fcn ortalama art\u0131\u015f\u0131 y\u00fczde 11.34. Buna kira gelirlerinin dahil edilmesi ve vergilerin d\u00fc\u015f\u00fclmesi gerekir. T\u00dcFE i\u00e7inde konut grubu fiyatlar\u0131 y\u00fczde 8.2 artm\u0131\u015f. Ger\u00e7ek kiralar bu grup i\u00e7inde \u00fc\u00e7te bir d\u00fczeyinde. Bu nedenle kiralar\u0131n da y\u00fczde 8 e yak\u0131n artt\u0131\u011f\u0131 varsay\u0131labilir. Bundan vergiyi d\u00fc\u015fersek geriye 5-6 puana yak\u0131n getiri kal\u0131r. Bunu y\u00fczde 11.34&#8217;\u00fcn \u00fczerine ekledi\u011fimizde y\u0131ll\u0131k y\u00fczde 10.45 lik enflasyonun \u00fczerinde, reel bir getiri elde edildi\u011fi kesindir.<br \/>\n\u25a0 Finansal ara\u00e7lardan Hazine faizi y\u00fczde 1.7, mevduat faizi y\u00fczde 3.2, hisse senetleri y\u00fczde 29.7, yat\u0131r\u0131m fonlar\u0131 y\u00fczde 8.9 reel zarar ettirdi. 2011 de enflasyonun \u00fczerinde getiri sa\u011flayan ara\u00e7lar ise y\u00fczde 22.9 ile dolar ve y\u00fczde 24.2 ile alt\u0131n. T\u00fcrk halk\u0131n\u0131n en \u00e7ok yat\u0131r\u0131m yapt\u0131\u011f\u0131 gayrimenkul, d\u00f6viz, alt\u0131n kazand\u0131rm\u0131\u015f; di\u011ferleri kaybettirmi\u015f. &#8220;Ev al\u0131r otururum veya kiraya veririm. Hem de\u011fer art\u0131\u015f\u0131ndan yararlan\u0131r\u0131m hem de kiras\u0131ndan&#8221; yakla\u015f\u0131m\u0131 isabetli sonu\u00e7 vermi\u015f.<br \/>\nYabanc\u0131lar nas\u0131l ki hem d\u00f6viz kurunun d\u00fc\u015f\u00fc\u015f\u00fcnden hem de yat\u0131r\u0131m arac\u0131n\u0131n getirisinden kazan\u00e7 sa\u011fl\u0131yor ve bu nedenle T\u00fcrkiye piyasas\u0131 onlar i\u00e7in cazipse yerle\u015fikler bundan mahrum. Her g\u00fcn d\u00f6viz bozduram\u0131yorlar. Onlar da, \u00e7ifte kazanc\u0131n yolunu gayrimenkulde bulmu\u015flar.<\/p>\n<p><strong>SONU\u00c7:\u00a0<\/strong>&#8220;Para \u015fahindir, g\u00f6kten turnay\u0131 indirir.&#8221;T\u00fcrk atas\u00f6z\u00fc<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye&#8217;de tasarruflar\u0131n en \u00e7ok y\u00f6neldi\u011fi alanlardan biri gayrimenkuldur. Arac\u0131 Kurumlar Birli\u011fi&#8217;nin yapt\u0131rd\u0131\u011f\u0131 ankete g\u00f6re ilk akla gelen yat\u0131r\u0131m ara\u00e7lar\u0131 alt\u0131n, mevduat, d\u00f6viz ve gayrimenkuldur. \u00fcstelik&hellip;<\/p>\n","protected":false},"author":994,"featured_media":12631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-12850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/12850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/994"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=12850"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/12850\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/12631"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=12850"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=12850"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=12850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}