{"id":185,"date":"2011-05-11T20:54:01","date_gmt":"2011-05-11T17:54:01","guid":{"rendered":"http:\/\/bilgeyatirimci.net\/?p=185"},"modified":"2011-06-04T19:50:24","modified_gmt":"2011-06-04T16:50:24","slug":"ev-kirasiz-para-faizsiz","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/ev-kirasiz-para-faizsiz\/","title":{"rendered":"Ev Kiras\u0131z Para Faizsiz"},"content":{"rendered":"<p><strong>BUNDAN kabaca 35 y\u0131l \u00f6nce, banka kredilerinin hat\u0131r g\u00f6n\u00fclle verildi\u011fi ve mevduat reel faizinin negatif oldu\u011fu y\u0131llarda, gazetelerde \u201cEv Kiras\u0131z-Para Faizsiz\u201d ilanlar\u0131 yer al\u0131rd\u0131.<\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-880182088\"><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>Bu\u00a0ilanlar\u0131\u00a0veren\u00a0arac\u0131lar\u00a0Emin\u00f6n\u00fc\u2019deki\u00a04.\u00a0Vak\u0131f\u00a0Han\u2019da veya\u00a0civar\u0131nda faaliyet g\u00f6sterirdi. Bankalardan istedi\u011fi \u015fartlarla\u00a0kredi\u00a0alamayan\u00a0t\u00fcccarlar, kendilerine belli bir\u00a0miktar\u00a0paray\u0131 faizsiz\u00a0olarak \u00f6d\u00fcn\u00e7 vereceklere,\u00a0sahipolduklar\u0131\u00a0konut\u00a0veya\u00a0d\u00fckk\u00e2nlar\u0131 kira\u00a0almadan\u00a0kullanma\u00a0hakk\u0131\u00a0tan\u0131rlard\u0131.\u00a0\u0130nsanlar,\u00a0\u201cparan\u0131n\u00a0faizi\u00a0ile gayrimenkul\u00fcn\u00a0kiras\u0131\u201d\u00a0aras\u0131nda\u00a0bir\u00a0ili\u015fki oldu\u011funu \u00f6\u011frenmi\u015fti. Gerek finans,\u00a0gerek\u00a0fizik\u00a0sermayenin,\u00a0hem birnemas\u0131\u00a0hem de bir\u00a0maliyeti\u00a0oldu\u011funu\u00a0herkes\u00a0biliyordu.<\/p>\n<p>* *\u00a0*<\/p>\n<div>\n<p>Ba\u015fbakan\u00a0Erdo\u011fan ekonomi\u00a0y\u00f6netimine\u00a0\u201cHedef, s\u0131f\u0131r reel\u00a0faiz\u201d\u00a0komutunu\u00a0verdikten sonra iki\u00a0yaz\u0131 kaleme\u00a0ald\u0131m.Bu\u00a0\u00fc\u00e7\u00fcnc\u00fc ve \u015fimdilik son\u00a0faiz yaz\u0131s\u0131d\u0131r.\u00a0\u0130leride\u00a0devam\u00a0ederiz.<br \/>\n\u00b7\u00a0 Modern \u201cserbest pazar ekonomileri\u201d\u00a0merkez\u00a0bankalar\u0131n\u0131n kurulmas\u0131yla\u00a0ortaya\u00a0\u00e7\u0131km\u0131\u015ft\u0131r.\u00a0Merkez\u00a0bankalar\u0131,devlet\u00a0ad\u0131na\u00a0para\u00a0\u00fcreten\u00a0kurumlard\u0131r.<br \/>\n\u00b7 Modern\u00a0ekonomilerde\u00a0faizin i\u015flevi\u00a0ya\u015famsald\u0131r.\u00a0Di\u011fer\u00a0bir de\u011fi\u015fle\u00a0faizsiz\u00a0modern\u00a0ekonomi\u00a0olamaz.<br \/>\n\u00b7 Faiz\u00a0enflasyona\u00a0endekslenirse,\u00a0faizi\u00a0belirleyen serbest\u00a0piyasa mekanizmas\u0131 kilitlenir.<br \/>\n\u00b7 Faizin\u00a0referans\u0131\u00a0milli\u00a0gelir\u00a0art\u0131\u015f\u00a0oran\u0131d\u0131r.<br \/>\n\u00b7 Bu faiz, reel\u00a0olarak bazen s\u0131f\u0131r bazen eksi\u00a0olabilir. Ama\u00a0b\u00fcy\u00fcme\u00a0varsa\u00a0faizin \u201cpozitif\u201d\u00a0olmas\u0131\u00a0gerekir.<br \/>\n\u00b7 Bedava\u00a0olan her\u00a0\u015fey\u00a0gibi,\u00a0maliyeti\u00a0s\u0131f\u0131r\u00a0veya\u00a0eksi olan\u00a0para\u00a0da\u00a0verimli kullan\u0131lmaz.\u00a0\u00c7ar\u00e7ur\u00a0olur.<br \/>\n\u00b7 Faiz\u00a0ile ulusal\u00a0tasarruf\u00a0oran\u0131\u00a0aras\u0131nda\u00a0belli\u00a0bir\u00a0sebep-sonu\u00e7\u00a0ili\u015fkisi\u00a0yoktur.\u00a0Tasarrufu, ihtiyat\u00a0saik\u0131\u00a0belirler. Hatta s\u0131f\u0131r faiz\u00a0tasarrufun\u00a0nemalanmas\u0131n\u0131 durdurdu\u011fu\u00a0i\u00e7in\u00a0hane halk\u0131n\u0131\u00a0daha\u00a0fazla\u00a0tasarrufa\u00a0te\u015fvik edebilir.<br \/>\n\u00b7 Y\u00fcksek\u00a0faiz toplam\u00a0tasarrufu\u00a0artt\u0131rmaz;\u00a0ama\u00a0faiz\u00a0d\u00fczeyi, tasarrufun\u00a0\u201csabit getirili\u201d\u00a0veya \u201cde\u011fer\u00a0art\u0131\u015fl\u0131\u201d\u00a0ara\u00e7lar aras\u0131ndaki\u00a0da\u011f\u0131l\u0131m\u0131n\u0131\u00a0de\u011fi\u015ftirir.<br \/>\n\u00b7 TL\u2019nin\u00a0y\u00fcksek\u00a0faizi, TL ile\u00a0yat\u0131r\u0131m\u0131\u00a0cayd\u0131r\u0131r.\u00a0T\u00fcrkiye\u2019de\u00a0TL\u2019nin\u00a0faizi\u00a0y\u00fcksekken,\u00a0TL\u00a0de\u011ferlendi\u011fi\u00a0i\u00e7in,\u00a0y\u00fcksek faiz, d\u00fc\u015f\u00fck faizli\u00a0d\u00f6vizli finansman\u00a0imk\u00e2n\u0131\u00a0yaratm\u0131\u015ft\u0131r. Dolay\u0131s\u0131yla yat\u0131r\u0131mlar\u00a0da\u00a0artm\u0131\u015ft\u0131r.<br \/>\n\u00b7 D\u00fc\u015f\u00fck faiz, sermayenin\u00a0maliyetini\u00a0d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fc\u00a0i\u00e7in\u00a0d\u00fc\u015f\u00fck\u00a0getirili\u00a0yat\u0131r\u0131mlar\u0131\u00a0bile \u201cyap\u0131lmaya\u00a0de\u011fer\u201d (fiz\u0131b\u0131l)\u00a0hale getirir. Bu sayede\u00a0ekonomiyi\u00a0canland\u0131r denir.\u00a0Ancak\u00a0her\u00a0fizibilite\u00a0bir\u00a0beklentiye\u00a0dayan\u0131r.\u00a0Beklenti\u00a0karamsarsa,faiz s\u0131f\u0131r bile\u00a0olsa\u00a0ekonomiyi\u00a0canland\u0131rmaz.<br \/>\n\u00b7 S\u0131f\u0131r reel\u00a0faiz,\u00a0emeklilik sigortalar\u0131n\u0131\u00a0\u00e7\u00f6kertir, spek\u00fclatif\u00a0yat\u0131r\u0131mlar\u0131\u00a0te\u015fvik eder, \u201cvarl\u0131k\u00a0fiyatlar\u0131 balonuna\u201d\u00a0sebepolur.\u00a0Buradan da kriz\u00a0\u00e7\u0131kar.<br \/>\n<strong>Son\u00a0S\u00f6z:\u00a0Faizin\u00a0reeli, d\u00f6nemin\u00a0sonunda\u00a0belli\u00a0olur.<\/strong><\/p>\n<\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BUNDAN kabaca 35 y\u0131l \u00f6nce, banka kredilerinin hat\u0131r g\u00f6n\u00fclle verildi\u011fi ve mevduat reel faizinin negatif oldu\u011fu y\u0131llarda, gazetelerde \u201cEv Kiras\u0131z-Para Faizsiz\u201d ilanlar\u0131 yer al\u0131rd\u0131. Bu\u00a0ilanlar\u0131\u00a0veren\u00a0arac\u0131lar\u00a0Emin\u00f6n\u00fc\u2019deki\u00a04.\u00a0Vak\u0131f\u00a0Han\u2019da&hellip;<\/p>\n","protected":false},"author":14,"featured_media":936,"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-185","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\/185","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\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=185"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/185\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/936"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}