{"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":"2026-09-29T11:47:38","modified_gmt":"2026-09-29T10:47:38","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
\n\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

\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\u0131ya a\u00e7\u0131k kurumlar var: kimi yurt d\u0131\u015f\u0131nda ya\u015fayan yabanc\u0131lara, kimi yaln\u0131zca yurt d\u0131\u015f\u0131nda ya\u015fayan \u0130ngiliz vatanda\u015flar\u0131na ya da K\u00f6rfez \u00fclkelerinde ya\u015fayanlara finansman veriyor.<\/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>
Murabaha<\/strong><\/td>Kurum evi al\u0131r ve size maliyetin \u00fczerine \u00f6nceden belirlenmi\u015f bir k\u00e2rla, taksitli olarak satar.<\/td>Sat\u0131\u015fla birlikte sizin<\/td><\/tr><\/tbody><\/table><\/div>\n

\u00dc\u00e7 modelde de \u00f6demeniz faiz de\u011fil, kira ya da sat\u0131\u015f k\u00e2r\u0131 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
Al\u0131c\u0131 profili<\/th>Temel \u015fartlar<\/th><\/tr><\/thead>
Yurt d\u0131\u015f\u0131nda ya\u015fayan yabanc\u0131<\/strong><\/td>\u0130ngiltere ve Galler\u2019de konut. Fiyat\u0131n en fazla y\u00fczde 80\u2019i (2 milyon sterline kadar), 3 milyon sterline kadar y\u00fczde 75, 5 milyon sterline kadar y\u00fczde 70; yeni yap\u0131 dairede en fazla y\u00fczde 75. Finansman 75.000 sterlinden ba\u015fl\u0131yor, y\u0131ll\u0131k gelir en az 25.000 sterlin.<\/td><\/tr>
Yurt d\u0131\u015f\u0131nda ya\u015fayan \u0130ngiliz vatanda\u015f\u0131<\/strong><\/td>\u0130ngiltere ve Galler\u2019de konut. Fiyat\u0131n en fazla y\u00fczde 80\u2019i; asgari finansman kuruma g\u00f6re 60.000 sterlinden ba\u015fl\u0131yor. 2026\u2019da bu gruba konut plan\u0131 sunan yeni bir kurum eklendi.<\/td><\/tr>
K\u00f6rfez \u00fclkelerinde ya\u015fayan<\/strong><\/td>\u0130ngiltere ve Galler\u2019de konut. Fiyat\u0131n en fazla y\u00fczde 75\u2019i; finansman 100.000 ile 2,5 milyon sterlin aras\u0131nda.<\/td><\/tr>
\u0130ngiltere\u2019de en az iki y\u0131ld\u0131r ya\u015fayan<\/strong><\/td>Fiyat\u0131n en fazla y\u00fczde 90\u2019\u0131. Bu se\u00e7enek yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131ya kapal\u0131.<\/td><\/tr><\/tbody><\/table><\/div>\n

Baz\u0131 kurumlar oran, tutar ve pe\u015finat \u015fartlar\u0131n\u0131 yay\u0131mlam\u0131yor, do\u011frudan g\u00f6r\u00fc\u015fme istiyor. Kiral\u0131k (yat\u0131r\u0131m ama\u00e7l\u0131) planlarda pe\u015finat daha y\u00fcksek oluyor ve bu planlar \u00e7o\u011fu kurumda FCA d\u00fczenlemesinin d\u0131\u015f\u0131nda kal\u0131yor. \u00dcr\u00fcn \u015fartlar\u0131 s\u0131k de\u011fi\u015fiyor; ba\u015fvurudan \u00f6nce g\u00fcncel kriterleri teyit edin.<\/p>\n

FCA d\u00fczenlemesi kapsam\u0131nda m\u0131? Konut ama\u00e7l\u0131 ortak m\u00fclkiyet planlar\u0131 6 Nisan 2007\u2019den beri FCA d\u00fczenlemesine tabi; \u015fik\u00e2yetinizi Finansal Ombudsman\u2019a ta\u015f\u0131yabilir, arac\u0131n\u0131n tavsiyesi i\u00e7in FSCS g\u00fcvencesinden yararlanabilirsiniz. Kiral\u0131k ama\u00e7l\u0131 planlar ise genellikle bu kapsam\u0131n d\u0131\u015f\u0131nda. D\u00fczenlemeye tabi olmad\u0131\u011f\u0131n\u0131 kendi sitesinde belirten kurumlar da var; s\u00f6zle\u015fmeden \u00f6nce bunu mutlaka kontrol 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