{"id":48640,"date":"2017-01-31T21:16:58","date_gmt":"2017-01-31T18:16:58","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=48640"},"modified":"2017-01-31T21:16:58","modified_gmt":"2017-01-31T18:16:58","slug":"cetin-unsalan-insaat-mi-ulkeyi-ulke-mi-insaati-kurtaracak","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-insaat-mi-ulkeyi-ulke-mi-insaati-kurtaracak\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; \u0130n\u015faat m\u0131 \u00fclkeyi, \u00fclke mi in\u015faat\u0131 kurtaracak?"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye garip bir k\u0131skac\u0131n i\u00e7erisinde, ne yapt\u0131\u011f\u0131n\u0131 bilmez bir bi\u00e7imde savruluyor. Bir yanda \u00fcretim ekonomisine ge\u00e7mekten s\u00f6z ediliyor, ama hizmetler sekt\u00f6r\u00fcne te\u015fvik sunuyor. \u00d6te yanda t\u00fcketim odakl\u0131 enflasyonu frenlemeye \u00e7al\u0131\u015f\u0131rken, kredi mekanizmas\u0131yla \u2018t\u00fcketin\u2019 mesaj\u0131 veriyor.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3061344256\"><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>Bunlardan birini tercih edebilirsiniz; ama tek bir ger\u00e7ek var ki, hepsini ayn\u0131 anda genel bir ekonomi politikas\u0131 hedefiniz yoksa ba\u015faramazs\u0131n\u0131z. Peki bu sorun nereden kaynaklan\u0131yor? Asl\u0131nda y\u0131llar \u00f6ncesinde \u00fcretim esasl\u0131 bir yap\u0131 kursayd\u0131k ve \u00fcretip kazand\u0131\u011f\u0131m\u0131zdan harcamay\u0131 merkeze oturtsayd\u0131k, durum de\u011fi\u015fik olabilirdi.<\/p>\n<p>Ama y\u0131llarca kredi mekanizmas\u0131yla s\u0131n\u0131rs\u0131z t\u00fcketimi pompalay\u0131p, buradan gelecek dolayl\u0131 vergilerle, ithalattan elde edilecek vergilere dayanan bir gelir sistemi yaratt\u0131k. Reel sekt\u00f6rden de tek anlad\u0131\u011f\u0131m\u0131z in\u015faat sekt\u00f6r\u00fc \u00fczerine kurgulanm\u0131\u015f bir yap\u0131.<\/p>\n<p>Daha \u00f6nceki yaz\u0131lar\u0131mda, bunun Tansu \u00c7iller zaman\u0131nda sunulan \u2018iki anahtar\u2019 projesinin hayata ge\u00e7mi\u015f hali oldu\u011funu anlatm\u0131\u015ft\u0131m. O zaman da bir hayaldi ve finanse edilemedi\u011fi i\u00e7in ger\u00e7ekle\u015fmedi. Bu d\u00f6nemde \u00f6ne \u00e7\u0131kmas\u0131n\u0131n nedeni, kredi mekanizmas\u0131n\u0131n, d\u00fcnyadaki parasal geni\u015flemeye paralel \u00fclkemizde sahte bir bolluk yaratmas\u0131 oldu.<\/p>\n<p>Her ikisinin de sakat taraf\u0131 ise, \u00fcretmeden, kazanmadan, harcama \u00fczerine kurgulanm\u0131\u015f bir anlay\u0131\u015fa sahip olmas\u0131yd\u0131. O s\u00fcre\u00e7te para olmad\u0131\u011f\u0131 i\u00e7in hayata ge\u00e7medi; son 15 y\u0131lda da el paras\u0131yla kar\u015f\u0131l\u0131ks\u0131z kullan\u0131lan paralar\u0131n yaratt\u0131\u011f\u0131 tahribat oldu. Hen\u00fcz o tahribat\u0131n sonu\u00e7lar\u0131n\u0131 ise g\u00f6rmedik.<\/p>\n<p>\u00dclke ekonomisinin salt in\u015faata dayand\u0131r\u0131lmas\u0131, kredi verenleri de teminatl\u0131 i\u015flere y\u00f6nlendirdi\u011finden bu alanda arz patlamas\u0131 ya\u015fand\u0131. \u0130ktidar ise buna hukuku, imar kurallar\u0131n\u0131, bilimi, belediyelerin yetkilerini alt \u00fcst ederek yol verdi.<\/p>\n<p>\u015eimdi bug\u00fcnlerde ele\u015ftirilse de, \u015fik\u00e2yet edenlerin asl\u0131nda bunun mimar\u0131 oldu\u011funu sa\u011f\u0131r sultan bile biliyor. Sonu\u00e7 yabanc\u0131lara sat\u0131\u015ftan medet umulan, kredi yoluyla bor\u00e7lan\u0131p, topra\u011fa g\u00f6m\u00fclen milyar dolarlar ile bo\u015f binalar yan\u0131m\u0131za k\u00e2r kald\u0131.<\/p>\n<p>\u015eimdi kampanya ad\u0131 alt\u0131nda 240 ay vadeyle gayrimenkul sat\u0131\u015f\u0131na \u00e7\u0131k\u0131l\u0131yor. 20 sene\u2026 D\u00fcnyan\u0131n da, T\u00fcrkiye\u2019nin de \u00fc\u00e7 be\u015f ay sonras\u0131n\u0131 g\u00f6remedi\u011fi, \u00f6demeler zincirinin k\u0131r\u0131ld\u0131\u011f\u0131 bir konjonkt\u00fcrde 20 y\u0131l vadeyle ev satmak bir \u00e7aresizlik g\u00f6stergesidir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2722597598\"><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>Elbette buna k\u0131l\u0131f bulunur. \u2018Destek veriyoruz\u2019 derler; d\u00fcnyadaki mortgage sistemini \u00f6rnek g\u00f6sterirler vs vs vs\u2026 Ger\u00e7ekten in\u015faat sekt\u00f6r\u00fc buna destek vermi\u015f olsayd\u0131, bug\u00fcne kadar fahi\u015f k\u00e2rlarla bu binalar\u0131 satmaya \u00e7al\u0131\u015fmaz, yeni zenginler yarat\u0131lmazd\u0131. Demek ki dert destek de\u011fil; s\u0131k\u0131\u015fan sekt\u00f6re suni teneff\u00fcs yapmak.<\/p>\n<p>Mortgage sistemine gelirsek, onun zaten T\u00fcrkiye\u2019de hi\u00e7 uygulamaya ge\u00e7medi\u011fini s\u00f6yleyebiliriz. Bizdeki konut kredilerinin ad\u0131n\u0131 de\u011fi\u015ftirdiler mortgage oldu. Sadece yar\u0131m kalan in\u015faatlar a\u00e7\u0131s\u0131ndan kredi verenlere bir sorumluluk getirildi.<\/p>\n<p>Oysa ger\u00e7ek bir mortgage sisteminde fonu ba\u015fkad\u0131r; faiz oranlar\u0131 ba\u015fkad\u0131r; finansman y\u00f6ntemi ba\u015fkad\u0131r; sunulu\u015fu ba\u015fkad\u0131r. Ayr\u0131ca do\u011fru uygulanan sistemlerde de arazi dahil sat\u0131\u015f olmaz. \u00dcst kullan\u0131m esast\u0131r. Toprak devletindir; sat\u0131lmaz.<\/p>\n<p>\u015eimdi 240 ay vadeli kampanyalarla \u00f6ne \u00e7\u0131k\u0131yorlar. Bunu da \u2018destek\u2019 ya da amiyane tabiriyle \u2018k\u0131yak\u2019 diye anlat\u0131yorlar. Oysa bu konjonkt\u00fcrde \u00e7aresizlikten ve in\u015faat odakl\u0131 bir alarmdan ba\u015fka anlam ifade etmiyor.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1532269296\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\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>\u0130n\u015faat sekt\u00f6r\u00fc \u00f6nemlidir. Ama dinamik ve genel anlamda hareketli bir ekonominin i\u00e7inde kritik rol oynar. Tedarik\u00e7ilerinize para \u00f6demeyeceksiniz; ta\u015feronu bat\u0131racaks\u0131n\u0131z; imar oyunlar\u0131yla binalar dikeceksiniz; yabanc\u0131 mal satman\u0131n hesab\u0131n\u0131 yapacaks\u0131n\u0131z ve t\u00fcm kredi mekanizmas\u0131n\u0131 reel sekt\u00f6r ba\u015fl\u0131\u011f\u0131 alt\u0131nda buraya y\u00f6nlendireceksiniz. Bu i\u015f de\u011fil.<\/p>\n<p>O nedenle tekrar soral\u0131m: \u0130n\u015faat m\u0131 \u00fclkeyi, \u00fclke mi in\u015faat\u0131 kurtaracak? Bunu yan\u0131tlad\u0131ktan sonra bir cevap daha gerekiyor. Kimseye \u00f6demesini yapmayan bu sekt\u00f6r, bu denli stok fazlas\u0131yla ortadayken ve sadece A segmentte ya da d\u00fc\u015f\u00fck profilde \u00fcretim yap\u0131p, orta kesimi yok sayarken; neden?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye garip bir k\u0131skac\u0131n i\u00e7erisinde, ne yapt\u0131\u011f\u0131n\u0131 bilmez bir bi\u00e7imde savruluyor. Bir yanda \u00fcretim ekonomisine ge\u00e7mekten s\u00f6z ediliyor, ama hizmetler sekt\u00f6r\u00fcne te\u015fvik sunuyor. \u00d6te yanda&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-48640","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\/48640","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=48640"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/48640\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=48640"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=48640"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=48640"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}