{"id":47573,"date":"2016-11-16T00:00:06","date_gmt":"2016-11-15T21:00:06","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=47573"},"modified":"2016-11-16T00:00:06","modified_gmt":"2016-11-15T21:00:06","slug":"cetin-unsalan-hani-biz-bir-aileydik","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-hani-biz-bir-aileydik\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Hani biz bir aileydik?"},"content":{"rendered":"<p><em><strong>Bir aile b\u00fct\u00e7esi d\u00fc\u015f\u00fcn\u00fcn. Bu ailenin gelirlerinin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn de bankalardan al\u0131nan bor\u00e7lar\u0131n faizine gitti\u011fini hayal edin. \u015eimdi sorum \u015fu: Bu ailenin bireyleri i\u00e7erisinde baban\u0131n \u00f6dedi\u011fi faizle, annenin ya da \u00e7ocuklar\u0131n \u00f6dedi\u011finin aras\u0131nda fark var m\u0131?<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-142653202\"><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>Baba, kendi geliri \u00fczerinden faiz \u00f6demek yerine, ailenin di\u011fer bireylerinin faiz \u00f6demesini yok sayabilir mi? Peki bu sorun ailenin faiz \u00f6dedi\u011fi ger\u00e7e\u011fini ortadan kald\u0131r\u0131r m\u0131? Bir sual daha: E\u011fer baba ailenin di\u011fer bireylerinin faiz \u00f6demesini \u00f6nemsemezse, orada bir aile kavram\u0131ndan bahsedilebilir mi?<\/p>\n<p>\u015eimdi bu \u00f6rnek yola \u00e7\u0131karak, l\u00fctfen Ekonomi Bakan\u0131 Nihat Zeybek\u00e7i\u2019nin medyaya yans\u0131yan s\u00f6zlerini tekrar okuyunuz. Bakan Zeybek\u00e7i, \u201cEkonomi birilerinin rant kap\u0131s\u0131 haline gelmeyecek\u201d dedi. Bunun a\u00e7\u0131klamas\u0131n\u0131 yaparken de klasik olarak 2002 \u2013 2003 y\u0131llar\u0131n\u0131 \u00f6rnek g\u00f6sterdi ve her 100 TL\u2019lik gelirin 87 TL\u2019sinin faize gitti\u011fi g\u00fcnleri hat\u0131rlatt\u0131.<\/p>\n<p>\u00d6v\u00fcnd\u00fc\u011f\u00fc nokta ise bug\u00fcn her 100 TL\u2019nin 11 TL\u2019sinin faize gitmesi. Peki bu kamu taraf\u0131nda b\u00f6yle de, T\u00fcrkiye genelinde nas\u0131l? \u0130SO 500 Raporu\u2019nun ilk 500 verilerine g\u00f6re reel sekt\u00f6r\u00fcn k\u00e2r\u0131n\u0131n y\u00fczde 63,4\u2019\u00fc, ikinci 500 yani KOB\u0130\u2019lerin de her 100 TL\u2019lik k\u00e2r\u0131n\u0131n y\u00fczde 51,1\u2019inin finansman giderlerine gitti\u011fi ger\u00e7e\u011fi&#8230;<\/p>\n<p>Daha k\u00f6t\u00fcs\u00fc ilk 500\u2019te bu giderlerdeki art\u0131\u015f oran\u0131, bir \u00f6nceki y\u0131la g\u00f6re y\u00fczde 75, ikinci 500\u2019de y\u00fczde 46,6. Buna mukabil gelirlerin de d\u00fc\u015f\u00fc\u015f\u00fcn\u00fc g\u00f6z \u00f6n\u00fcne al\u0131rsan\u0131z, durum \u00e7ok parlak de\u011fil. Ana konuya d\u00f6necek olursak, T\u00fcrkiye\u2019nin toplamda elde etti\u011fi kazanc\u0131n ilk 500 baz al\u0131nd\u0131\u011f\u0131nda y\u00fczde 73,4\u2019\u00fc, ikinci 500 baz al\u0131nd\u0131\u011f\u0131nda da y\u00fczde 61,1\u2019i faize gidiyor. \u00dcstelik bunlar\u0131n i\u00e7inde hen\u00fcz t\u00fcketicinin \u00f6dedi\u011fi faiz de yok.<\/p>\n<p>\u015eimdi bir Bakan bu ger\u00e7e\u011fi g\u00f6rmezden gelip, faize \u00f6denen paran\u0131n gelirin y\u00fczde 11\u2019ine d\u00fc\u015f\u00fcr\u00fcld\u00fc\u011f\u00fcn\u00fc iddia ediyorsa, ailenin geri kalan bireylerinin durumunu umursam\u0131yor demektir. Daha da s\u0131k\u0131nt\u0131l\u0131s\u0131, bu bireylerin \u00f6dedi\u011fi maliyetin de toplamda kendisinin cebinden \u00e7\u0131kt\u0131\u011f\u0131n\u0131n fark\u0131nda olmad\u0131\u011f\u0131 ger\u00e7e\u011fidir.<\/p>\n<p>\u00dcstelik 2002 itibariyle T\u00fcrkiye\u2019nin toplam d\u0131\u015f borcu 129,6 milyar dolar iken, bug\u00fcn 411,5 milyar dolar seviyesine geldi. Hanehalk\u0131n\u0131n bor\u00e7 i\u00e7indeki pay\u0131 y\u00fczde 4\u2019ten y\u00fczde 65\u2019e y\u00fckseldi. T\u00fcm bunlara bir de kur fark\u0131n\u0131 ve maliyetini koyun.<\/p>\n<p>31 Aral\u0131k 2002 itibariyle dolar \/ TL kuru 1,647; 15 Kas\u0131m 2016 itibariyle 3,27&#8230; Aradaki y\u00fczde 100\u2019e yak\u0131n de\u011fer kayb\u0131n\u0131 ve bunun bor\u00e7lar \u00fczerindeki maliyetini d\u00fc\u015f\u00fcn\u00fcn. \u015eimdi hesab\u0131n\u0131z\u0131 tekrar yap\u0131n.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4201239132\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\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>E\u011fer bir aile isek, faizi ve maliyeti baba ile \u00e7ocu\u011fun \u00f6demesi aras\u0131nda fark var m\u0131d\u0131r? Ortadaki bedel, ailenin tamam\u0131 taraf\u0131ndan \u00f6denmez mi? Biraz ger\u00e7ek\u00e7i olal\u0131m. Ayr\u0131ca yine Bakan Zeybek\u00e7i\u2019nin ekonomiyi rant\u00e7\u0131lara teslim etmeyece\u011fi vurgusuna bakarsak, tek rant bu alanda m\u0131?<\/p>\n<p>Kat be kat artan gayrimenkul fiyatlar\u0131n\u0131, yurtd\u0131\u015f\u0131nda bor\u00e7lanarak yap\u0131lan g\u00f6kdelenleri nereye koyaca\u011f\u0131z? Biraz samimiyet l\u00fctfen.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir aile b\u00fct\u00e7esi d\u00fc\u015f\u00fcn\u00fcn. Bu ailenin gelirlerinin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn de bankalardan al\u0131nan bor\u00e7lar\u0131n faizine gitti\u011fini hayal edin. \u015eimdi sorum \u015fu: Bu ailenin bireyleri i\u00e7erisinde&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"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":[904,808,801],"class_list":["post-47573","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/47573","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=47573"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/47573\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=47573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=47573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=47573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}