{"id":20229,"date":"2026-04-17T11:59:15","date_gmt":"2026-04-17T10:59:15","guid":{"rendered":"https:\/\/yatirim.uk\/?p=20229"},"modified":"2026-09-19T23:09:42","modified_gmt":"2026-09-19T22:09:42","slug":"7-critical-questions-you-should-ask-yourself-before-buying-property-in-the-uk-or-dubai","status":"publish","type":"post","link":"https:\/\/yatirim.uk\/en\/ingiltere-veya-dubaide-mulk-almadan-once-kendinize-sormaniz-gereken-7-kritik-soru\/","title":{"rendered":"Seven Key Questions Before Buying Property in the UK or Dubai"},"content":{"rendered":"
\n

Yurtd\u0131\u015f\u0131nda m\u00fclk almak, \u00e7o\u011fu ki\u015finin hayat\u0131ndaki en b\u00fcy\u00fck tek kalemli al\u0131md\u0131r. Yurtd\u0131\u015f\u0131 gayrimenkul al\u0131m\u0131nda i\u015flerin ters gitme sebebi genellikle yanl\u0131\u015f m\u00fclk\u00fc se\u00e7mek de\u011fildir; s\u00f6zle\u015fme imzalanmadan \u00f6nce do\u011fru sorular\u0131n sorulmamas\u0131d\u0131r. A\u015fa\u011f\u0131daki yedi soru, ilk g\u00f6r\u00fc\u015fmelerimizde mutlaka ge\u00e7ti\u011fimiz sorulard\u0131r. Hepsini bug\u00fcn cevaplayabiliyorsan\u0131z plan\u0131n\u0131z sa\u011flamd\u0131r. Cevaplayamad\u0131klar\u0131n\u0131z da nereye bakman\u0131z gerekti\u011fini g\u00f6sterir.<\/p>\n

Fiyatlar, vergiler ve al\u0131m s\u00fcrecinin tamam\u0131 i\u00e7in rehberimize g\u00f6z at\u0131n: Yurt D\u0131\u015f\u0131 Gayrimenkul Yat\u0131r\u0131m\u0131 Rehberi<\/a><\/p>\n

\n

Yedi soru, k\u0131saca:<\/p>\n

    \n
  1. Bu m\u00fclk\u00fc neden al\u0131yorum: getiri, kullan\u0131m, yoksa ta\u015f\u0131nma?<\/li>\n
  2. Etiket fiyat\u0131n\u0131n \u00fcst\u00fcne ne ekleniyor?<\/li>\n
  3. Finansman\u0131 \u00f6nden mi netle\u015ftirdim?<\/li>\n
  4. M\u00fclk\u00fcn hukuki yap\u0131s\u0131 ne?<\/li>\n
  5. Getiri hesab\u0131m br\u00fct m\u00fc, net mi?<\/li>\n
  6. \u0130ncelemeyi kim yap\u0131yor, neyi kaps\u0131yor?<\/li>\n
  7. \u00c7\u0131k\u0131\u015f plan\u0131m ne?<\/li>\n<\/ol>\n<\/div>\n

    1. Yurtd\u0131\u015f\u0131nda m\u00fclk almak: amac\u0131n\u0131z getiri mi, kullan\u0131m m\u0131, ta\u015f\u0131nma m\u0131?<\/h2>\n

    \u00dc\u00e7 ama\u00e7 \u00fc\u00e7 ayr\u0131 m\u00fclke g\u00f6t\u00fcr\u00fcr. Getiri odakl\u0131ysan\u0131z<\/strong> lokasyonu manzara de\u011fil kira talebi belirler: \u00fcniversite ve hastane yak\u0131nlar\u0131, ula\u015f\u0131m hatlar\u0131, i\u015fveren yo\u011funlu\u011fu. Kendi kullan\u0131m\u0131n\u0131z i\u00e7inse<\/strong> plan tipi, okul b\u00f6lgesi ve ula\u015f\u0131m s\u00fcresi \u00f6ne \u00e7\u0131kar. Ta\u015f\u0131nma planl\u0131yorsan\u0131z<\/strong> al\u0131m\u0131n zamanlamas\u0131 vize takviminizle \u00f6rt\u00fc\u015fmelidir.<\/p>\n

    Bu \u00fc\u00e7\u00fc kar\u0131\u015f\u0131nca ortaya ne iyi kira getiren ne de ya\u015famak istedi\u011finiz bir m\u00fclk \u00e7\u0131kar. Amac\u0131 \u00f6nce yaz\u0131n, m\u00fclke sonra bak\u0131n.<\/p>\n

    \n

    S\u0131k kar\u015f\u0131la\u015ft\u0131\u011f\u0131m\u0131z yan\u0131lg\u0131:<\/strong> Konut sat\u0131n almak Birle\u015fik Krall\u0131k’ta oturum hakk\u0131 vermez. \u0130kisi ayr\u0131 s\u00fcre\u00e7tir ve birlikte kurgulanabilir, ama biri di\u011ferinin yerine ge\u00e7mez. Ayr\u0131nt\u0131s\u0131n\u0131 oturum izni sayfam\u0131zda<\/a> anlatt\u0131k.<\/p>\n<\/div>\n

    2. Etiket fiyat\u0131n\u0131n \u00fcst\u00fcne ne ekleniyor?<\/h2>\n

    B\u00fct\u00e7esini ilan fiyat\u0131na g\u00f6re kuran al\u0131c\u0131, kapan\u0131\u015fta haz\u0131rl\u0131ks\u0131z yakalan\u0131r. Yurtd\u0131\u015f\u0131nda m\u00fclk almak, her iki piyasada da fiyat\u0131n \u00fczerine anlaml\u0131 bir y\u00fczde ekler.<\/p>\n

    \u0130ngiltere<\/h3>\n

    Damga vergisi (SDLT) kademeli hesaplan\u0131r: 125.000 \u00a3’a kadar s\u0131f\u0131r, 125.001 ile 250.000 \u00a3 aras\u0131 %2, 250.001 ile 925.000 \u00a3 aras\u0131 %5. Bunun \u00fcst\u00fcne iki s\u00fcr\u015farj gelebilir: birden fazla konutu olanlar i\u00e7in %5<\/strong>, Birle\u015fik Krall\u0131k’ta ikamet etmeyenler i\u00e7in ayr\u0131ca %2<\/strong>. \u0130kisi de bedelin tamam\u0131na uygulan\u0131r.<\/p>\n

    \n\n\n\n\n\n\n
    400.000 \u00a3’luk ikinci konut, yurt d\u0131\u015f\u0131nda ikamet eden al\u0131c\u0131<\/th>\nTutar<\/th>\n<\/tr>\n
    Kademeli SDLT<\/td>\n10.000 \u00a3<\/td>\n<\/tr>\n
    Ek konut s\u00fcr\u015farj\u0131 (%5)<\/td>\n20.000 \u00a3<\/td>\n<\/tr>\n
    \u0130kamet etmeyen s\u00fcr\u015farj\u0131 (%2)<\/td>\n8.000 \u00a3<\/td>\n<\/tr>\n
    Toplam damga vergisi<\/strong><\/td>\n38.000 \u00a3<\/strong><\/td>\n<\/tr>\n<\/table>\n<\/div>\n

    Yani fiyat\u0131n yakla\u015f\u0131k %9,5’i, \u00fcst\u00fcne avukat \u00fccreti, tapu ve \u00e7evre sorgulamalar\u0131, ekspertiz ve varsa kredi tahsis \u00fccreti eklenir.<\/p>\n

    \"Yurtd\u0131\u015f\u0131nda
    Kendi veri \u00e7al\u0131\u015fmam\u0131zdan: 300.000 \u00a3 de\u011ferinde bir m\u00fclkte, y\u0131ll\u0131k 15.000 \u00a3 kira geliri varsay\u0131m\u0131yla on y\u0131lda \u00f6denen toplam vergi. Al\u0131m vergileri dahildir.<\/figcaption><\/figure>\n

    Dubai<\/h3>\n

    Dubai Arazi Dairesi (DLD) devir harc\u0131 bedelin %4’\u00fc<\/strong>d\u00fcr ve piyasa team\u00fcl\u00fc olarak al\u0131c\u0131 \u00f6der. \u00dcst\u00fcne 500.000 AED ve \u00fczeri m\u00fclklerde 4.200 AED kayyum ofisi \u00fccreti, daire i\u00e7in 580 AED tapu d\u00fczenleme bedeli, genellikle %2 art\u0131 KDV emlak\u00e7\u0131 komisyonu ve kredi kullan\u0131yorsan\u0131z kredi tutar\u0131n\u0131n %0,25’i tescil \u00fccreti gelir. 1.500.000 AED’lik bir dairede bu kalemler toplamda 95.000 AED’yi a\u015far.<\/p>\n

    \n

    Oranlar A\u011fustos 2026 itibar\u0131ylad\u0131r ve de\u011fi\u015febilir. Teklif vermeden \u00f6nce g\u00fcncel rakam\u0131 teyit edin; hesab\u0131 sizin i\u015fleminiz i\u00e7in birlikte \u00e7\u0131karabiliriz.<\/p>\n<\/div>\n

    3. Finansman\u0131 \u00f6nden mi netle\u015ftirdiniz?<\/h2>\n

    Rezervasyon bedeli \u00e7o\u011fu zaman iade edilmez. Kredi onay\u0131n\u0131 al\u0131ma de\u011fil, al\u0131m\u0131 kredi onay\u0131na g\u00f6re planlamak gerekir. \u0130ngiltere’de yurt d\u0131\u015f\u0131nda ikamet edenlere kredi veren banka havuzu daha dard\u0131r; kiralama ama\u00e7l\u0131 al\u0131mlarda de\u011ferlendirme maa\u015f\u0131n\u0131za de\u011fil m\u00fclk\u00fcn kira performans\u0131na bakar ve azami kredi oran\u0131 genellikle daha d\u00fc\u015f\u00fck tutulur. Dubai’de ikamet etmeyen al\u0131c\u0131larda kredi oran\u0131 bir ad\u0131m daha a\u015fa\u011f\u0131dad\u0131r.<\/p>\n

    Gelirinizin hangi para biriminde oldu\u011fu da bankan\u0131n karar\u0131n\u0131 etkiler. \u0130\u015fletme sahibiyseniz konut kredisi d\u0131\u015f\u0131nda k\u00f6pr\u00fc kredisi, proje ve geli\u015ftirme finansman\u0131 gibi se\u00e7enekler de g\u00fcndeme gelebilir. Bunlar\u0131 finansman sayfam\u0131zda<\/a> kar\u015f\u0131la\u015ft\u0131rd\u0131k.<\/p>\n

    4. M\u00fclk\u00fcn hukuki yap\u0131s\u0131 ne?<\/h2>\n

    Ayn\u0131 fiyata bakan iki daire hukuken \u00e7ok farkl\u0131 \u015feyler olabilir.<\/p>\n

    \u0130ngiltere: freehold m\u00fc, leasehold m\u00fc?<\/h3>\n

    Daireler \u00e7o\u011funlukla leasehold’dur. Bakman\u0131z gerekenler: kalan kira s\u00fcresi, y\u0131ll\u0131k arsa kiras\u0131, ortak gider tutar\u0131 ve son be\u015f y\u0131l\u0131n art\u0131\u015f e\u011frisi, planlanan b\u00fcy\u00fck onar\u0131mlar ve bina cephe belgeleri. Kalan s\u00fcre 80 y\u0131l\u0131n alt\u0131na indi\u011finde<\/strong> uzatma maliyeti belirgin bi\u00e7imde artar ve baz\u0131 bankalar kredi vermez.<\/p>\n

    Dubai: freehold b\u00f6lge ve proje durumu<\/h3>\n

    Yabanc\u0131 al\u0131c\u0131lar belirlenmi\u015f freehold b\u00f6lgelerde m\u00fclk edinebilir. Proje a\u015famas\u0131ndaki al\u0131mlarda \u00f6demelerin geli\u015ftiricinin cebine de\u011fil emanet (escrow) hesab\u0131na<\/strong> gitti\u011fini, projenin RERA’da kay\u0131tl\u0131 oldu\u011funu ve s\u00f6zle\u015fmenizin Oqood sistemine i\u015flendi\u011fini do\u011frulay\u0131n. Geli\u015ftiricinin ge\u00e7mi\u015f teslim performans\u0131, bro\u015f\u00fcrdeki g\u00f6rselden daha \u00e7ok \u015fey anlat\u0131r.<\/p>\n

    5. Getiri hesab\u0131n\u0131z br\u00fct m\u00fc, net mi?<\/h2>\n

    \u0130lanlarda yazan getiri neredeyse her zaman br\u00fctt\u00fcr: y\u0131ll\u0131k kira b\u00f6l\u00fc fiyat. Net getiri bunlar\u0131n d\u00fc\u015f\u00fclmesiyle kaland\u0131r:<\/p>\n

      \n
    • Ortak gider ve arsa kiras\u0131<\/li>\n
    • Y\u00f6netim \u00fccreti<\/li>\n
    • Bo\u015f kalma s\u00fcresi, y\u0131lda iki ile d\u00f6rt hafta aras\u0131 varsaymak ger\u00e7ek\u00e7idir<\/li>\n
    • Sigorta, bak\u0131m ve d\u00f6nemsel yenileme<\/li>\n
    • \u0130ngiltere’de kira gelirinin vergisi; yurt d\u0131\u015f\u0131nda ikamet eden ev sahipleri i\u00e7in ayr\u0131 bir kay\u0131t rejimi vard\u0131r ve kay\u0131t yoksa acente stopaj uygular<\/li>\n<\/ul>\n

      Br\u00fct %6 g\u00f6r\u00fcnen bir daire, bu kalemlerden sonra kolayca %3,5 ile %4 band\u0131na iner. Dubai taraf\u0131nda kira gelirinden vergi al\u0131nmaz, ancak metrekare ba\u015f\u0131na ortak gider y\u00fcksek olabilir ve so\u011futma bedeli ayr\u0131 faturalan\u0131r.<\/p>\n

      Tadilat gerektiren bir m\u00fclk al\u0131yorsan\u0131z yenileme b\u00fct\u00e7esini de ilk g\u00fcnden hesaba kat\u0131n; tadilat taraf\u0131nda<\/a> maliyet ve takvim \u00f6ng\u00f6r\u00fcs\u00fcn\u00fc birlikte \u00e7\u0131kar\u0131yoruz.<\/p>\n

      6. \u0130ncelemeyi kim yap\u0131yor, neyi kaps\u0131yor?<\/h2>\n

      Sat\u0131c\u0131n\u0131n ya da geli\u015ftiricinin dan\u0131\u015fman\u0131 sizin ad\u0131n\u0131za inceleme yapmaz. \u0130ngiltere’de ba\u011f\u0131ms\u0131z bir avukatla<\/strong> \u00e7al\u0131\u015f\u0131n: tapu kayd\u0131, belediye ve altyap\u0131 sorgulamalar\u0131, enerji verimlilik belgesi ve yap\u0131 ya\u015f\u0131na g\u00f6re uygun d\u00fczeyde bir ekspertiz raporu. Eski yap\u0131 stokunda en d\u00fc\u015f\u00fck seviye rapor \u00e7o\u011fu zaman yetersiz kal\u0131r.<\/p>\n

      Dubai’de tapu kayd\u0131n\u0131 DLD \u00fczerinden do\u011frulay\u0131n, projenin RERA kayd\u0131n\u0131 ve tamamlanma y\u00fczdesini g\u00f6r\u00fcn, ortak gider ge\u00e7mi\u015fini bina y\u00f6netiminden isteyin. \u0130ki piyasada da kural ayn\u0131: paray\u0131 \u00f6demeden \u00f6nce belgeyi g\u00f6r\u00fcn.<\/p>\n

      7. \u00c7\u0131k\u0131\u015f plan\u0131n\u0131z ne?<\/h2>\n

      Yurtd\u0131\u015f\u0131nda m\u00fclk almak kadar satabilmek de plan\u0131n par\u00e7as\u0131d\u0131r. \u015eunlar\u0131 ba\u015ftan netle\u015ftirin: m\u00fclk\u00fc ortalama ne s\u00fcrede satabilirsiniz, hangi al\u0131c\u0131 kitlesine satars\u0131n\u0131z, kredinizde erken kapama cezas\u0131 var m\u0131, ve sat\u0131\u015ftaki vergi y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc ne olur. \u0130ngiltere’de yurt d\u0131\u015f\u0131nda ikamet edenlerin konut sat\u0131\u015f\u0131nda bildirim ve \u00f6deme i\u00e7in 60 g\u00fcnl\u00fck bir s\u00fcre<\/strong> i\u015fler; vergi \u00e7\u0131kmasa bile bildirim yap\u0131l\u0131r. Dubai’de sermaye kazanc\u0131 vergisi yoktur, ancak proje a\u015famas\u0131ndaki bir m\u00fclk\u00fc devretmek i\u00e7in geli\u015ftiriciden izin ve belli bir \u00f6deme y\u00fczdesi gerekebilir.<\/p>\n

      Bir de kur var. Geliriniz sterlin ya da dirhem d\u0131\u015f\u0131nda bir para birimindeyse, m\u00fclk\u00fcn de\u011feri de\u011fi\u015fmese bile kendi paran\u0131zla \u00f6l\u00e7t\u00fc\u011f\u00fcn\u00fcz sonu\u00e7 de\u011fi\u015fir.<\/p>\n

      Yurtd\u0131\u015f\u0131nda m\u00fclk almak i\u00e7in h\u0131zl\u0131 kontrol listesi<\/h2>\n
        \n
      • Al\u0131m amac\u0131n\u0131 tek c\u00fcmleyle yazd\u0131m<\/li>\n
      • Vergi ve har\u00e7lar dahil toplam maliyeti hesaplad\u0131m<\/li>\n
      • Kredi \u00f6n onay\u0131m var, azami tutar\u0131 biliyorum<\/li>\n
      • Freehold mu leasehold mu, kalan s\u00fcre ve ortak gider belli<\/li>\n
      • Net getiriyi bo\u015f kalma ve giderlerle birlikte hesaplad\u0131m<\/li>\n
      • Ba\u011f\u0131ms\u0131z avukat\u0131m ve inceleme kapsam\u0131 belli<\/li>\n
      • Sat\u0131\u015f senaryosunu, vergi bildirimini ve kur etkisini konu\u015ftum<\/li>\n<\/ul>\n

        S\u0131k sorulanlar<\/h2>\n

        \u0130ngiltere’de ev almak oturum izni verir mi?<\/h3>\n

        Hay\u0131r. Konut sat\u0131n almak Birle\u015fik Krall\u0131k’ta vize ya da oturum hakk\u0131 do\u011furmaz. Oturum, ayr\u0131 bir ba\u015fvuru rotas\u0131yla kurulur ve m\u00fclk al\u0131m\u0131yla birlikte planlanabilir, ama biri di\u011ferinin yerine ge\u00e7mez.<\/p>\n

        Yabanc\u0131 olarak mortgage kullanabilir miyim?<\/h3>\n

        Uygun profillerde evet. \u0130ngiltere’de yurt d\u0131\u015f\u0131nda ikamet edenlere kredi veren daha dar bir banka havuzu vard\u0131r; kiralama ama\u00e7l\u0131 al\u0131mlarda de\u011ferlendirme maa\u015fa de\u011fil m\u00fclk\u00fcn kira performans\u0131na bakar. Dubai’de ikamet etmeyen al\u0131c\u0131larda azami kredi oran\u0131 genellikle daha d\u00fc\u015f\u00fckt\u00fcr.<\/p>\n

        S\u00fcreci bulundu\u011fum \u00fclkeden y\u00f6netebilirim miyim?<\/h3>\n

        Evet. Rezervasyon, kredi ba\u015fvurusu, avukat koordinasyonu ve teslim ad\u0131mlar\u0131n\u0131n tamam\u0131 uzaktan y\u00fcr\u00fct\u00fclebilir. \u0130mza gerektiren yerlerde vekaletname kullan\u0131l\u0131r.<\/p>\n

        \n

        Bu yedi soruyu birlikte cevaplayal\u0131m<\/h2>\n

        Yurtd\u0131\u015f\u0131nda m\u00fclk almak i\u00e7in haz\u0131rsan\u0131z b\u00fct\u00e7enizi ve hedefinizi k\u0131saca payla\u015f\u0131n; \u0130ngiltere ve Dubai taraf\u0131nda size uyan se\u00e7enekleri ve toplam maliyet tablosunu \u00e7\u0131karal\u0131m. \u0130lk g\u00f6r\u00fc\u015fme bilgi alman\u0131z i\u00e7indir, bir taahh\u00fct do\u011furmaz.<\/p>\n

        \u00dccretsiz \u00f6n de\u011ferlendirme talep edin<\/a> ya da listemizdeki projelere g\u00f6z at\u0131n<\/a>.<\/p>\n<\/div>\n

        capital.works, YATIRIM UK LIMITED’in ticari markas\u0131d\u0131r ve Birle\u015fik Krall\u0131k’ta FCA yetkili kredi brokeridir. Bu yaz\u0131 genel bilgilendirme ama\u00e7l\u0131d\u0131r; ki\u015fiye \u00f6zel yat\u0131r\u0131m, hukuk ya da vergi tavsiyesi de\u011fildir. Vergi ve har\u00e7 oranlar\u0131 A\u011fustos 2026 itibar\u0131yla verilmi\u015ftir ve de\u011fi\u015febilir. Kendi durumunuz i\u00e7in yetkili bir dan\u0131\u015fmana ba\u015fvurun.<\/p>\n<\/div>\n