{"id":24580,"date":"2026-10-04T20:11:46","date_gmt":"2026-10-04T19:11:46","guid":{"rendered":"https:\/\/yatirim.uk\/tr\/buy-to-let-mortgage\/"},"modified":"2026-10-04T20:30:30","modified_gmt":"2026-10-04T19:30:30","slug":"buy-to-let-mortgage","status":"publish","type":"page","link":"https:\/\/yatirim.uk\/tr\/buy-to-let-mortgage\/","title":{"rendered":"\u0130ngiltere\u2019de Buy to Let Mortgage: \u015eartlar, Kira Testi ve \u015eirket \u00dczerinden Al\u0131m"},"content":{"rendered":"\t\t
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Buy to let mortgage, kiraya vermek i\u00e7in al\u0131nan konutun kredisidir ve karar\u0131n dayana\u011f\u0131 oturdu\u011funuz evin kredisinden farkl\u0131d\u0131r: bir konut kredisinde bor\u00e7 veren sizin gelirinize bakar, buy to let\u2019te as\u0131l olarak evin \u00fcretti\u011fi kiraya bakar. Maa\u015f\u0131n\u0131z e\u015fikleri ge\u00e7meye yarar, krediyi belirleyen rakam kirad\u0131r. Bu sayfa karar\u0131n \u00fc\u00e7 aya\u011f\u0131n\u0131 s\u0131rayla \u00e7\u0131kar\u0131yor: kira testi, pe\u015finat ve al\u0131m\u0131 kendi ad\u0131n\u0131za m\u0131 yoksa \u015firket \u00fczerinden mi yapaca\u011f\u0131n\u0131z. capital.works\u00ae olarak \u0130ngiltere\u2019de finansmanda FCA\u2019ya kay\u0131tl\u0131y\u0131z ve NACFB \u00fcyesiyiz.<\/p>\n

Kira testi: krediyi belirleyen hesap<\/h2>\n

Bor\u00e7 veren, kiray\u0131 bug\u00fcnk\u00fc faizle de\u011fil stres faizi denen daha y\u00fcksek bir oranla test eder ve kiran\u0131n bu faizi belirli bir katsay\u0131yla a\u015fmas\u0131n\u0131 ister. Katsay\u0131n\u0131n ad\u0131 kira kar\u015f\u0131lama oran\u0131, piyasada ICR olarak ge\u00e7iyor. 2026 piyasas\u0131nda yayg\u0131n uygulama \u015f\u00f6yle: stres faizi be\u015f y\u0131l ve \u00fczeri sabit \u00fcr\u00fcnlerde %5,5 civar\u0131nda, daha k\u0131sa vadelerde \u00fcr\u00fcn faizinin iki puan \u00fcst\u00fc; katsay\u0131 temel orandan vergi \u00f6deyende %125, \u00fcst dilimde vergi \u00f6deyende %145, limited \u015firket \u00fczerinden al\u0131mda yine %125.<\/p>\n

Rakamla g\u00f6rmek hesab\u0131 anla\u015f\u0131l\u0131r k\u0131l\u0131yor. \u00a3250.000 de\u011ferinde bir daire, %75 kredi oran\u0131, %5,5 stres faizi:<\/p>\n

Kalem<\/th>Rakam<\/th><\/tr><\/thead>
Konut fiyat\u0131<\/td>\u00a3250.000<\/td><\/tr>
Pe\u015finat (%25)<\/td>\u00a362.500<\/td><\/tr>
Kredi tutar\u0131<\/td>\u00a3187.500<\/td><\/tr>
Stres faiziyle y\u0131ll\u0131k faiz<\/td>\u00a310.312<\/td><\/tr>
%125 oranda gereken ayl\u0131k kira<\/td>\u00a31.074<\/td><\/tr>
%145 oranda gereken ayl\u0131k kira<\/td>\u00a31.246<\/td><\/tr><\/tbody><\/table><\/div>\n

Yani ayn\u0131 daire, ayn\u0131 kredi ve ayn\u0131 faizle, vergi diliminize g\u00f6re \u00a31.074 ile \u00a31.246 aras\u0131nda bir kira istiyor. Aradaki \u00a3172 fark, kiran\u0131n kendisi de\u011fi\u015fmedi\u011fi halde alabilece\u011finiz krediyi belirliyor: kira yetmezse bor\u00e7 veren kredi tutar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr, yani pe\u015finat\u0131 art\u0131rman\u0131z istenir. Bu y\u00fczden projeyi se\u00e7erken fiyat kadar o posta kodunda ger\u00e7ekle\u015fen kira seviyesi \u00f6nemlidir; geli\u015ftiricinin kira tahmini de\u011fil, o kodun g\u00fcncel kira ilanlar\u0131 esas al\u0131nmal\u0131.<\/p>\n

Kiray\u0131 ve masraf sonras\u0131 net getiriyi kendi rakamlar\u0131n\u0131zla denemek i\u00e7in kira geliri hesaplay\u0131c\u0131m\u0131z\u0131<\/a> kullanabilir, \u015fehir ve il\u00e7e baz\u0131nda ger\u00e7ekle\u015fen getiri bantlar\u0131na kira getirisi sayfam\u0131zdan<\/a> bakabilirsiniz.<\/p>\n

Pe\u015finat: hangi bant neyi a\u00e7ar<\/h2>\n

Buy to let\u2019te alt s\u0131n\u0131r genellikle %25 pe\u015finatt\u0131r, yani %75 kredi oran\u0131. Pe\u015finat\u0131 art\u0131rmak iki \u015feyi birden de\u011fi\u015ftirir: faiz band\u0131 d\u00fc\u015fer ve kira testi rahatlar, \u00e7\u00fcnk\u00fc daha k\u00fc\u00e7\u00fck kredinin stres faizi de daha k\u00fc\u00e7\u00fckt\u00fcr. Pratikte k\u0131r\u0131lma noktalar\u0131 %75, %70, %65 ve %60 kredi oranlar\u0131nda olur; ayn\u0131 daire i\u00e7in %60 band\u0131nda teklif edilen faiz ile %75 band\u0131ndaki faiz aras\u0131ndaki fark, \u00f6deyece\u011finiz toplam maliyette pe\u015finat fark\u0131n\u0131n bir k\u0131sm\u0131n\u0131 geri getirir.<\/p>\n

Pe\u015finat\u0131n yan\u0131na koyman\u0131z gereken kalemler ayr\u0131ca var: damga pulu vergisi (ikinci ve sonraki konutlarda ek oran, \u0130ngiltere\u2019de ya\u015fam\u0131yorsan\u0131z bunun \u00fcst\u00fcne bir ek daha), avukat \u00fccreti, de\u011ferleme, kredi kurulum \u00fccreti ve ilk kira gelene kadar iki \u00fc\u00e7 ayl\u0131k nakit tampon. Toplam\u0131 damga pulu hesaplay\u0131c\u0131m\u0131zda<\/a> ve al\u0131m maliyeti hesaplay\u0131c\u0131m\u0131zda<\/a> \u00e7\u0131karabilirsiniz.<\/p>\n

Kendi ad\u0131n\u0131za m\u0131, limited \u015firket \u00fczerinden mi<\/h2>\n

2020\u2019den bu yana kendi ad\u0131na kiraya veren bir ki\u015fi, \u00f6dedi\u011fi mortgage faizini kira gelirinden gider olarak tam d\u00fc\u015femiyor; faiz i\u00e7in temel orandan bir vergi indirimi uygulan\u0131yor. \u00dcst dilimde vergi \u00f6deyen bir kiraya veren i\u00e7in bu, ayn\u0131 kiradan eline kalan paran\u0131n belirgin bi\u00e7imde azalmas\u0131 demek. Limited \u015firket (yat\u0131r\u0131mc\u0131lar\u0131n kurdu\u011fu t\u00fcr\u00fcne SPV deniyor) \u00fczerinden al\u0131mda faiz \u015firketin gideri say\u0131l\u0131yor ve kalan k\u00e2r kurumlar vergisine tabi oluyor. Kira testinin de \u015firkette %125\u2019ten yap\u0131lmas\u0131, ayn\u0131 daireden daha y\u00fcksek kredi \u00e7\u0131kmas\u0131 anlam\u0131na gelir.<\/p>\n

Bedava de\u011fil: \u015firket \u00fczerinden al\u0131mda faiz genelde ki\u015fisel al\u0131mdan bir miktar y\u00fcksek, bor\u00e7 veren se\u00e7ene\u011fi daha dar, ki\u015fisel kefalet isteniyor, her y\u0131l \u015firket hesab\u0131 ve beyan\u0131 tutmak gerekiyor, paray\u0131 \u015firketten kendinize aktar\u0131rken ikinci bir vergi katman\u0131 \u00e7\u0131k\u0131yor. Hangisinin size uydu\u011fu vergi diliminize, ka\u00e7 konut alaca\u011f\u0131n\u0131za ve paray\u0131 ne zaman kullanmak istedi\u011finize ba\u011fl\u0131; bu bir muhasebe karar\u0131d\u0131r ve muhasebecinizle birlikte verilmelidir. Biz finansman taraf\u0131nda iki yap\u0131n\u0131n da hangi \u015fartlarla fonlanabilece\u011fini \u00f6nceden \u00e7\u0131kar\u0131r, say\u0131lar\u0131 yan yana koyar\u0131z.<\/p>\n

<\/th>Kendi ad\u0131na<\/th>Limited \u015firket (SPV)<\/th><\/tr><\/thead>
Faizin gider yaz\u0131lmas\u0131<\/td>K\u0131s\u0131tl\u0131, temel oranda indirim<\/td>\u015eirket gideri<\/td><\/tr>
Kira testi katsay\u0131s\u0131<\/td>%125 temel oran, %145 \u00fcst dilim<\/td>Genellikle %125<\/td><\/tr>
Faiz band\u0131<\/td>Daha d\u00fc\u015f\u00fck<\/td>Bir miktar daha y\u00fcksek<\/td><\/tr>
Bor\u00e7 veren say\u0131s\u0131<\/td>Geni\u015f<\/td>Daha dar<\/td><\/tr>
Y\u0131ll\u0131k y\u00fck\u00fcml\u00fcl\u00fck<\/td>Ki\u015fisel beyan<\/td>\u015eirket hesab\u0131 ve beyan\u0131<\/td><\/tr>
K\u00e2r\u0131n size ge\u00e7i\u015fi<\/td>Do\u011frudan<\/td>\u0130kinci bir vergi katman\u0131<\/td><\/tr><\/tbody><\/table><\/div>\n

D\u00f6rt konuttan sonra: portf\u00f6y sahibi incelemesi<\/h2>\n

Mortgage\u2019l\u0131 d\u00f6rt ya da daha fazla kiral\u0131k konutu olan bir ki\u015fi, bor\u00e7 verenin g\u00f6z\u00fcnde portf\u00f6y sahibi say\u0131l\u0131r ve inceleme de\u011fi\u015fir: yaln\u0131z alaca\u011f\u0131n\u0131z dairenin kiras\u0131 de\u011fil, b\u00fct\u00fcn portf\u00f6y\u00fcn kira ve bor\u00e7 dengesi, portf\u00f6y\u00fcn toplam kredi oran\u0131, bo\u015fluk oran\u0131 ve genelde bir i\u015f plan\u0131 istenir. Bu a\u015famada dosyan\u0131n haz\u0131rlan\u0131\u015f bi\u00e7imi sonucun kendisini belirleyebiliyor; ayn\u0131 portf\u00f6y, iyi d\u00fczenlenmi\u015f bir tabloyla onay al\u0131rken da\u011f\u0131n\u0131k bir dosyayla reddedilebiliyor.<\/p>\n

\u0130ngiltere d\u0131\u015f\u0131nda ya\u015f\u0131yorsan\u0131z<\/h2>\n

Yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131 i\u00e7in buy to let kap\u0131s\u0131 kapal\u0131 de\u011fil, ama daha dar: daha y\u00fcksek pe\u015finat, daha az say\u0131da bor\u00e7 veren, gelirin yurt d\u0131\u015f\u0131 kaynakl\u0131 olmas\u0131 halinde ek belge ve \u00e7o\u011fu zaman kimlik ile adres do\u011frulamas\u0131n\u0131n noter onayl\u0131 istenmesi. \u0130ngiliz pasaportu olup yurt d\u0131\u015f\u0131nda ya\u015fayanlar (expat) ile hi\u00e7 \u0130ngiltere ba\u011f\u0131 olmayan al\u0131c\u0131lar farkl\u0131 de\u011ferlendiriliyor, T\u00fcrkiye gibi \u00fclkelerden gelen gelir belgelerinin kabul edilme bi\u00e7imi bor\u00e7 verene g\u00f6re de\u011fi\u015fiyor. S\u00fcreci ba\u015ftan buna g\u00f6re kurmak, yanl\u0131\u015f kap\u0131ya ba\u015fvurup reddedilmekten \u00e7ok daha h\u0131zl\u0131d\u0131r.<\/p>\n

Yeni projede (off-plan) kredi ne zaman al\u0131n\u0131r<\/h2>\n

Yeni projede en s\u0131k yap\u0131lan hata, krediyi s\u00f6zle\u015fme a\u015famas\u0131nda almaya \u00e7al\u0131\u015fmakt\u0131r. Mortgage teklifleri belirli bir s\u00fcre ge\u00e7erlidir, teslim ise iki \u00fc\u00e7 y\u0131l sonra olabilir; bu y\u00fczden kredi, tamamlanmaya yakla\u015f\u0131ld\u0131\u011f\u0131nda al\u0131n\u0131r. S\u00f6zle\u015fme a\u015famas\u0131nda yap\u0131lmas\u0131 gereken \u015fey, o tarihte kredinin \u00e7\u0131kaca\u011f\u0131ndan emin olmakt\u0131r: bug\u00fcnk\u00fc kira seviyesiyle testin ge\u00e7ti\u011fini, dairenin kredi verilebilir nitelikte oldu\u011funu ve geli\u015ftiricinin verdi\u011fi te\u015fviklerin de\u011ferlemeye nas\u0131l yans\u0131yaca\u011f\u0131n\u0131 \u00f6nceden g\u00f6rmek. Geli\u015ftirici katk\u0131s\u0131 (\u00f6denen aidat, mobilya paketi, pe\u015finat deste\u011fi) bor\u00e7 verene bildirilmek zorundad\u0131r ve de\u011ferlemeyi a\u015fa\u011f\u0131 \u00e7ekebilir.<\/p>\n

Portf\u00f6y\u00fcm\u00fczdeki projelerin teslim tarihleri, aidatlar\u0131 ve giri\u015f fiyatlar\u0131 ilan sayfalar\u0131nda yaz\u0131l\u0131; ayn\u0131 listeye geli\u015ftiriciye g\u00f6re<\/a> ya da posta koduna g\u00f6re<\/a> g\u00f6z atabilirsiniz.<\/p>\n

Biz ne yap\u0131yoruz<\/h2>\n

capital.works\u00ae olarak finansmanda FCA\u2019ya kay\u0131tl\u0131y\u0131z ve NACFB \u00fcyesiyiz. \u00c7al\u0131\u015fma bi\u00e7imimiz \u015fu: \u00f6nce alaca\u011f\u0131n\u0131z dairenin kiras\u0131yla testin hangi katsay\u0131da ge\u00e7ti\u011fini hesaplar\u0131z, sonra kendi ad\u0131n\u0131za ve \u015firket \u00fczerinden iki senaryoyu yan yana koyar\u0131z, ard\u0131ndan dosyay\u0131 sizin profilinize uygun kaynaklara g\u00f6t\u00fcr\u00fcr\u00fcz. Kurum ad\u0131 payla\u015fm\u0131yoruz, \u00e7\u00fcnk\u00fc hangi kayna\u011f\u0131n uygun oldu\u011fu al\u0131c\u0131n\u0131n profiline g\u00f6re de\u011fi\u015fir ve isim \u00fczerinden kurulan beklenti \u00e7o\u011fu zaman yanl\u0131\u015f \u00e7\u0131kar. Vergi taraf\u0131nda karar\u0131 muhasebecinizle verirsiniz; biz finansman taraf\u0131n\u0131n rakamlar\u0131n\u0131 \u00e7\u0131kar\u0131r\u0131z.<\/p>\n

Devam\u0131 i\u00e7in finansman \u00e7\u00f6z\u00fcmleri<\/a> sayfam\u0131za, faizlerin neye g\u00f6re belirlendi\u011fi i\u00e7in mortgage faiz oranlar\u0131<\/a> sayfam\u0131za, faizsiz yap\u0131 ar\u0131yorsan\u0131z \u0130slami mortgage<\/a> sayfam\u0131za, al\u0131m s\u00fcrecinin tamam\u0131 i\u00e7in \u0130ngiltere\u2019de ev almak<\/a> sayfam\u0131za bakabilirsiniz.<\/p>\n

S\u0131k Sorulan Sorular<\/h2>\n

Buy to let mortgage i\u00e7in ne kadar pe\u015finat gerekiyor?<\/strong> Yayg\u0131n alt s\u0131n\u0131r %25, yani \u00a3250.000 de\u011ferinde bir dairede \u00a362.500. Pe\u015finat\u0131 %30 ya da %35\u2019e \u00e7\u0131karmak hem faiz band\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr hem kira testini rahatlat\u0131r.<\/p>\n

Kira ne kadar olmal\u0131?<\/strong> Kiran\u0131n, stres faiziyle hesaplanan y\u0131ll\u0131k faizi %125 ile %145 aras\u0131nda bir katsay\u0131yla a\u015fmas\u0131 isteniyor. \u00a3250.000 de\u011ferinde, %75 kredili bir dairede bu ayl\u0131k \u00a31.074 ile \u00a31.246 aras\u0131nda bir kira demek.<\/p>\n

Maa\u015f\u0131m olmadan buy to let mortgage alabilir miyim?<\/strong> Krediyi belirleyen kirad\u0131r, ama bor\u00e7 verenler \u00e7o\u011funlukla bir asgari gelir ve kira d\u0131\u015f\u0131 bir gelir kayna\u011f\u0131 arar. Emeklilik, kira ve temett\u00fc gelirleri kabul edilebiliyor; hangisinin say\u0131ld\u0131\u011f\u0131 kayna\u011fa g\u00f6re de\u011fi\u015fir.<\/p>\n

Limited \u015firket \u00fczerinden almak her zaman daha avantajl\u0131 m\u0131?<\/strong> Hay\u0131r. \u00dcst dilimde vergi \u00f6deyen ve birka\u00e7 konut alacak bir kiraya veren i\u00e7in genelde \u00f6ne ge\u00e7er, tek konut alacak ve temel orandan vergi \u00f6deyen biri i\u00e7in \u015firketin y\u0131ll\u0131k maliyeti kazanc\u0131 yiyebilir. Karar vergi diliminize ve konut say\u0131s\u0131na ba\u011fl\u0131.<\/p>\n

\u0130ngiltere\u2019de ya\u015fam\u0131yorum, kredi alabilir miyim?<\/strong> Alabilirsiniz, \u015fartlar daha dar: daha y\u00fcksek pe\u015finat, daha az bor\u00e7 veren ve yurt d\u0131\u015f\u0131 gelir i\u00e7in ek belge. Ba\u015fvuruyu ba\u015ftan bu profile uygun kayna\u011fa g\u00f6t\u00fcrmek gerekiyor.<\/p>\n

Yeni projede krediyi ne zaman almal\u0131y\u0131m?<\/strong> Teslime yakla\u015f\u0131nca, \u00e7\u00fcnk\u00fc teklifler s\u0131n\u0131rl\u0131 s\u00fcre ge\u00e7erlidir. S\u00f6zle\u015fme a\u015famas\u0131nda yap\u0131lmas\u0131 gereken, o tarihte kredinin \u00e7\u0131kaca\u011f\u0131n\u0131 ve geli\u015ftirici te\u015fviklerinin de\u011ferlemeyi nas\u0131l etkileyece\u011fini \u00f6nceden g\u00f6rmektir.<\/p>\n

Bu sayfadaki oran ve katsay\u0131lar 2026 piyasas\u0131nda yayg\u0131n uygulamay\u0131 anlat\u0131r, bir teklif ya da ki\u015fiye \u00f6zel tavsiye de\u011fildir. Rakamlar bor\u00e7 verene, dairenin niteli\u011fine ve al\u0131c\u0131n\u0131n profiline g\u00f6re de\u011fi\u015fir.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":"","_cw_page_css":""},"class_list":["post-24580","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t