{"id":23242,"date":"2026-09-18T22:57:38","date_gmt":"2026-09-18T21:57:38","guid":{"rendered":"https:\/\/yatirim.uk\/tr\/ingilterede-faizsiz-mortgage\/"},"modified":"2026-09-20T10:47:03","modified_gmt":"2026-09-20T09:47:03","slug":"ingilterede-faizsiz-mortgage","status":"publish","type":"page","link":"https:\/\/yatirim.uk\/tr\/ingilterede-faizsiz-mortgage\/","title":{"rendered":"\u0130ngiltere\u2019de Faizsiz (\u0130slami) Mortgage ile Ev Al\u0131n\u0131r m\u0131?"},"content":{"rendered":"\t\t
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\u0130ngiltere\u2019de Faizsiz (\u0130slami) Mortgage ile Ev Al\u0131n\u0131r m\u0131?<\/h1>\n

Evet. \u0130ngiltere\u2019de \u0130slami bankalar faiz yerine ortak m\u00fclkiyet ve kira esas\u0131na dayanan \u201ckonut sat\u0131n alma plan\u0131\u201d (Home Purchase Plan) sunuyor ve bu \u00fcr\u00fcnler yurt d\u0131\u015f\u0131nda ya\u015fayanlara da a\u00e7\u0131k.<\/strong> Banka evi sizinle birlikte sat\u0131n al\u0131yor; siz bankan\u0131n pay\u0131 i\u00e7in kira \u00f6d\u00fcyor ve zamanla bu pay\u0131 sat\u0131n al\u0131yorsunuz. Yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131lar i\u00e7in ba\u015fl\u0131ca se\u00e7enek Gatehouse Bank: \u0130ngiltere ve Galler\u2019deki konutlar i\u00e7in finansman veriyor, yeni yap\u0131 dairelerde fiyat\u0131n en fazla y\u00fczde 75\u2019ini finanse ediyor ve yurt d\u0131\u015f\u0131nda ya\u015fayan ba\u015fvurandan y\u0131ll\u0131k en az 25.000 sterlin gelir istiyor.<\/p>\n\n

Nas\u0131l i\u015fliyor<\/h2>\n
Model<\/th>Nas\u0131l i\u015fliyor<\/th>M\u00fclkiyet<\/th><\/tr><\/thead>
Azalan ortakl\u0131k<\/strong> (diminishing musharaka)<\/td>Siz pe\u015finatla, banka kalan tutarla evi birlikte al\u0131rs\u0131n\u0131z. Bankan\u0131n pay\u0131 i\u00e7in kira \u00f6der, her ay bir k\u0131sm\u0131n\u0131 da sat\u0131n al\u0131rs\u0131n\u0131z; bankan\u0131n pay\u0131 ve kira zamanla azal\u0131r.<\/td>Ortak; s\u00fcre sonunda tamamen sizin<\/td><\/tr>
\u0130care<\/strong> (ijara)<\/td>Banka evi al\u0131r ve size kiralar. Kira \u00f6dersiniz; sermaye k\u0131sm\u0131n\u0131 ayr\u0131ca ya da s\u00fcre sonunda \u00f6deyip m\u00fclk\u00fc devral\u0131rs\u0131n\u0131z.<\/td>S\u00fcre boyunca banka, sonunda siz<\/td><\/tr><\/tbody><\/table><\/div>\n

\u0130ki modelde de \u00f6demeniz faiz de\u011fil kira olarak tan\u0131mlan\u0131yor. Kira oran\u0131 piyasa ko\u015fullar\u0131na g\u00f6re belirleniyor ve pratikte benzer bir faizli kredinin oran\u0131na yak\u0131n, \u00e7o\u011fu zaman biraz \u00fczerinde oluyor.<\/p>\n\n

Yurt d\u0131\u015f\u0131nda ya\u015fayanlar i\u00e7in se\u00e7enekler<\/h2>\n
Kurum<\/th>Kimlere a\u00e7\u0131k<\/th>Temel \u015fartlar<\/th><\/tr><\/thead>
Gatehouse Bank<\/strong><\/td>\u0130ngiltere\u2019de ya\u015fayanlar, yurt d\u0131\u015f\u0131nda ya\u015fayan \u0130ngilizler ve yurt d\u0131\u015f\u0131nda ya\u015fayan yabanc\u0131lar<\/td>\u0130ngiltere ve Galler\u2019de konut; asgari finansman 75.000 sterlin; yeni yap\u0131 dairede en fazla y\u00fczde 75; yurt d\u0131\u015f\u0131nda ya\u015fayan i\u00e7in y\u0131ll\u0131k gelir en az 25.000 sterlin<\/td><\/tr>
Al Rayan Bank<\/strong><\/td>Konut ve kiral\u0131k konut planlar\u0131; yurt d\u0131\u015f\u0131 ba\u015fvurularda \u015fartlar\u0131 bankayla teyit edin<\/td>Asgari finansman 200.000 sterlin; fiyat\u0131n en fazla y\u00fczde 75\u2019i<\/td><\/tr><\/tbody><\/table><\/div>\n

Kiral\u0131k (yat\u0131r\u0131m ama\u00e7l\u0131) al\u0131mda pe\u015finat genellikle y\u00fczde 25 ile 35 aras\u0131nda. \u00dcr\u00fcn \u015fartlar\u0131 s\u0131k de\u011fi\u015fiyor; ba\u015fvuru \u00f6ncesinde g\u00fcncel kriterleri kurumla ya da bir mortgage dan\u0131\u015fman\u0131yla teyit edin.<\/p>\n\n

Damga vergisi iki kez \u00f6denir mi<\/h2>\n

Hay\u0131r. Ortak m\u00fclkiyet modelinde teorik olarak iki devir oldu\u011fu h\u00e2lde (sat\u0131c\u0131dan bankaya, bankadan size), \u0130ngiltere\u2019nin alternatif finans d\u00fczenlemesi sayesinde damga vergisi yaln\u0131zca bir kez \u00f6denir. Oranlar faizli krediyle al\u0131mdakiyle ayn\u0131: yurt d\u0131\u015f\u0131nda ya\u015fayan ve ba\u015fka bir \u00fclkede evi olan al\u0131c\u0131, standart orana ek olarak y\u00fczde 5 ek konut oran\u0131 ve y\u00fczde 2 yurt d\u0131\u015f\u0131 al\u0131c\u0131 oran\u0131 \u00f6der. Kendi rakam\u0131n\u0131z i\u00e7in damga vergisi hesaplay\u0131c\u0131m\u0131z\u0131<\/a> kullanabilirsiniz.<\/p>\n\n

Kira gelirinin vergisi<\/h2>\n

Daireyi kiraya veriyorsan\u0131z bankaya \u00f6dedi\u011finiz kira pay\u0131 vergi a\u00e7\u0131s\u0131ndan faiz gibi i\u015flem g\u00f6r\u00fcr. Bireysel ev sahiplerinde finansman giderleri gelirden d\u00fc\u015f\u00fclmez, bunun yerine y\u00fczde 20 oran\u0131nda vergi indirimi uygulan\u0131r; bu kural faizsiz planlarda da ayn\u0131d\u0131r. Ayr\u0131nt\u0131 \u0130ngiltere\u2019de kira gelirinden ne kadar vergi \u00f6denir<\/a> sayfam\u0131zda.<\/p>\n\n

Caiz mi<\/h2>\n

Bu bir dini de\u011ferlendirme ve biz fetva vermiyoruz. \u0130ngiltere\u2019deki \u0130slami bankalar\u0131n \u00fcr\u00fcnleri kendi \u015fer\u2019i dan\u0131\u015fma kurullar\u0131n\u0131n onay\u0131yla sunuluyor ve Finansal Davran\u0131\u015f Otoritesi\u2019nin (FCA) d\u00fczenlemesine tabi. \u00dcr\u00fcn\u00fcn yap\u0131s\u0131n\u0131 ve s\u00f6zle\u015fmesini kendi din dan\u0131\u015fman\u0131n\u0131za g\u00f6stermenizi \u00f6neririz.<\/p>\n\n

Kimler i\u00e7in uygun<\/h2>\n