{"id":19679,"date":"2026-03-15T09:20:43","date_gmt":"2026-03-15T08:20:43","guid":{"rendered":"https:\/\/yatirim.uk\/?p=19679"},"modified":"2026-09-26T07:50:59","modified_gmt":"2026-09-26T06:50:59","slug":"yabancilar-icin-uk-mortgage-kredileri","status":"publish","type":"post","link":"https:\/\/yatirim.uk\/tr\/yabancilar-icin-uk-mortgage-kredileri\/","title":{"rendered":"Yabanc\u0131lar i\u00e7in UK Mortgage Kredileri"},"content":{"rendered":"

Bu sayfa, \u0130ngiltere\u2019de mortgage ba\u015fvurusunun nas\u0131l y\u00fcr\u00fcd\u00fc\u011f\u00fcn\u00fc anlat\u0131yor:<\/strong> hangi kredi yap\u0131s\u0131n\u0131n hangi amaca uydu\u011fu, istenen belgeler, maliyet kalemleri ve ba\u015fvuruyu geciktiren tipik hatalar. Yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131dan genellikle %25 ile %40 aras\u0131nda pe\u015finat<\/strong> isteniyor, yani kredi oran\u0131 (LTV) %60-%75 band\u0131nda kal\u0131yor.<\/p>\n

\u201cAlabilir miyim, ne kadar kredi \u00e7\u0131kar?\u201d sorusunun cevab\u0131 ayr\u0131 bir sayfada: T\u00fcrk vatanda\u015f\u0131 \u0130ngiltere\u2019de mortgage alabilir mi<\/a> sayfas\u0131nda uygunluk \u015fartlar\u0131n\u0131, kiral\u0131k ile oturmak i\u00e7in al\u0131m fark\u0131n\u0131 ve kredi tutar\u0131n\u0131 belirleyen ICR testini \u00f6rnekle anlatt\u0131k.<\/p>\n

capital.works\u00ae FCA\u2019ya kay\u0131tl\u0131d\u0131r ve NACFB \u00fcyesidir.<\/p>\n

Ba\u015fvurudan \u00f6nce: ikamet \u00fclkesi kontrol\u00fc<\/h2>\n

Uygunluk \u015fartlar\u0131n\u0131n tamam\u0131 alabilir miyim sayfas\u0131nda<\/a>. Burada yaln\u0131z ba\u015fvuru s\u0131ras\u0131n\u0131 de\u011fi\u015ftiren tek maddeye de\u011finiyoruz: kredi verenin ikamet \u00fclkenize bakmas\u0131.<\/p>\n

Baz\u0131 kurumlar belirli \u00fclkelerde ya\u015fayanlara kredi vermiyor. K\u0131s\u0131tlama uyru\u011fa de\u011fil ikamet \u00fclkesine bak\u0131yor, bu y\u00fczden hangi kurumun kap\u0131s\u0131n\u0131n a\u00e7\u0131k oldu\u011fu ba\u015fvurudan \u00f6nce kontrol edilmeli. Gelir, pe\u015finat kayna\u011f\u0131 ve kredi ge\u00e7mi\u015fi \u015fartlar\u0131n\u0131 alabilir miyim sayfas\u0131nda<\/a> tablola\u015ft\u0131rd\u0131k.<\/p>\n

Hangi yap\u0131: bireysel mi, \u015firket mi<\/h2>\n

Kiral\u0131k al\u0131mda iki yol var ve se\u00e7im vergiyle ilgili, faizle de\u011fil.<\/p>\n

\n\n\n\n\n\n\n\n\n\n
<\/th>\nBireysel buy-to-let<\/th>\nSPV (limited \u015firket) buy-to-let<\/th>\n<\/tr>\n<\/thead>\n
Pe\u015finat<\/td>\nGenellikle %25\u2019ten ba\u015fl\u0131yor<\/td>\nGenellikle %30\u2019dan ba\u015fl\u0131yor<\/td>\n<\/tr>\n
Faiz<\/td>\n\u00c7o\u011funlukla biraz daha d\u00fc\u015f\u00fck<\/td>\n\u00c7o\u011funlukla biraz daha y\u00fcksek<\/td>\n<\/tr>\n
Vergi<\/td>\nKira geliri ki\u015fisel gelir vergisine giriyor, faiz gideri s\u0131n\u0131rl\u0131 indiriliyor<\/td>\nKira k\u00e2r\u0131 kurumlar vergisine giriyor, faiz gideri tam gider yaz\u0131l\u0131yor<\/td>\n<\/tr>\n
Y\u00fck<\/td>\nYok<\/td>\n\u015eirket kurulu\u015fu, muhasebe ve y\u0131ll\u0131k beyan<\/td>\n<\/tr>\n
Kime uygun<\/td>\nTek m\u00fclk alan ya da kendi kullanacak al\u0131c\u0131<\/td>\nPortf\u00f6y kuran, k\u00e2r\u0131 \u015firkette tutmay\u0131 planlayan al\u0131c\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Kendi kullan\u0131m\u0131n\u0131z i\u00e7in al\u0131yorsan\u0131z SPV yolu kapal\u0131: \u015firket \u00fczerinden al\u0131nan konutta oturmak kredi \u015fartlar\u0131n\u0131 ihlal ediyor.<\/p>\n

Faiz \u00f6demeli mi, geri \u00f6demeli mi<\/h2>\n

Faiz \u00f6demeli (interest-only):<\/strong> ayl\u0131k \u00f6deme yaln\u0131z faizi kar\u015f\u0131l\u0131yor, anapara vade sonunda toplu \u00f6deniyor. Ayl\u0131k y\u00fck d\u00fc\u015f\u00fck, nakit ak\u0131\u015f\u0131 rahat; kiral\u0131k m\u00fclklerde yayg\u0131n. Vade sonunda anaparay\u0131 nas\u0131l kapataca\u011f\u0131n\u0131z\u0131 ba\u015ftan planlaman\u0131z gerekiyor.<\/p>\n

Geri \u00f6demeli (repayment):<\/strong> her ay faiz ve anapara birlikte \u00f6deniyor, vade sonunda m\u00fclkte bor\u00e7 kalm\u0131yor. Ayl\u0131k y\u00fck y\u00fcksek, risk d\u00fc\u015f\u00fck; kendi kullan\u0131m\u0131nda mant\u0131kl\u0131 olan bu.<\/p>\n

\u0130stenen belgeler<\/h2>\n
\n\n\n\n\n\n\n\n\n\n
Belge<\/th>\nNe i\u00e7in isteniyor<\/th>\n<\/tr>\n<\/thead>\n
Pasaport ve adres belgesi<\/td>\nKimlik do\u011frulamas\u0131; adres belgesi genellikle son \u00fc\u00e7 aya ait fatura ya da banka ekstresi.<\/td>\n<\/tr>\n
Gelir belgesi<\/td>\nMaa\u015fl\u0131ysan\u0131z bordro ve i\u015fveren yaz\u0131s\u0131; \u015firket sahibiyseniz onayl\u0131 mali tablolar ve vergi beyannamesi.<\/td>\n<\/tr>\n
Banka hesap \u00f6zeti<\/td>\nGenellikle son alt\u0131 ay. D\u00fczensiz b\u00fcy\u00fck giri\u015fler a\u00e7\u0131klanmak zorunda.<\/td>\n<\/tr>\n
Fon kayna\u011f\u0131 belgesi<\/td>\nPe\u015finat art\u0131 birka\u00e7 ayl\u0131k taksit tutar\u0131nda rezervin g\u00f6r\u00fclmesi isteniyor.<\/td>\n<\/tr>\n
Kira geliri projeksiyonu<\/td>\nKiral\u0131k al\u0131mda, kiran\u0131n taksiti kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 g\u00f6stermek i\u00e7in.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Belgeler \u0130ngilizce de\u011filse yeminli terc\u00fcme isteniyor. En s\u0131k gecikme sebebi eksik belge de\u011fil, birbirini tutmayan belge: hesap \u00f6zetindeki tutarla gelir belgesindeki tutar\u0131n \u00f6rt\u00fc\u015fmemesi ba\u015fvuruyu ba\u015ftan ba\u015flat\u0131yor.<\/p>\n

Maliyet kalemleri<\/h2>\n

Kredinin kendi maliyeti faizden ibaret de\u011fil. Tipik kalemler: kurum dosya \u00fccreti (arrangement fee, genellikle kredi tutar\u0131n\u0131n bir y\u00fczdesi ya da sabit bir tutar), ekspertiz \u00fccreti, avukatl\u0131k ve tapu har\u00e7lar\u0131, yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131da ek kimlik do\u011frulama \u00fccreti. Bunlar al\u0131m\u0131n toplam maliyetine giriyor; hesab\u0131 capital.works al\u0131m maliyeti hesaplay\u0131c\u0131s\u0131nda<\/a> yapabilirsiniz.<\/p>\n

Oranlar ve faizsiz alternatif<\/h2>\n

Yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131ya sunulan oran, \u0130ngiltere\u2019de ya\u015fayan al\u0131c\u0131ya g\u00f6re genellikle daha y\u00fcksek oluyor. Oran\u0131 neyin belirledi\u011fini ve g\u00fcncel politika faizini mortgage faiz oranlar\u0131 sayfam\u0131zda<\/a> tutuyoruz. Faiz \u00f6demek istemiyorsan\u0131z, \u0130slami bankalar\u0131n konut sat\u0131n alma planlar\u0131 yurt d\u0131\u015f\u0131nda ya\u015fayanlara da a\u00e7\u0131k; \u015fartlar\u0131 faizsiz mortgage sayfam\u0131zda<\/a> kar\u015f\u0131la\u015ft\u0131rd\u0131k.<\/p>\n

S\u00fcre\u00e7<\/h2>\n
    \n
  1. \u00d6n onay (decision in principle).<\/strong> Gelir ve pe\u015finat bilgisiyle al\u0131n\u0131yor, birka\u00e7 g\u00fcn s\u00fcr\u00fcyor. Ba\u011flay\u0131c\u0131 de\u011fil ama sat\u0131c\u0131ya ciddiyet g\u00f6steriyor.<\/li>\n
  2. M\u00fclk se\u00e7imi ve rezervasyon.<\/strong> Yeni projede rezervasyon bedeli \u00f6deniyor.<\/li>\n
  3. Tam ba\u015fvuru ve ekspertiz.<\/strong> Kurum m\u00fclk\u00fc de\u011ferliyor; de\u011fer beklenenin alt\u0131nda \u00e7\u0131karsa kredi tutar\u0131 d\u00fc\u015f\u00fcyor.<\/li>\n
  4. Kredi teklifi (mortgage offer).<\/strong> Genellikle \u00fc\u00e7 ila alt\u0131 ay ge\u00e7erli. Maketten al\u0131mda teslim bu s\u00fcreyi a\u015f\u0131yorsa teklifin yenilenmesi gerekiyor, bunu ba\u015ftan hesaba kat\u0131n.<\/li>\n
  5. S\u00f6zle\u015fme de\u011fi\u015fimi ve tapu.<\/strong> Avukat paran\u0131n kayna\u011f\u0131n\u0131 ayr\u0131ca denetliyor.<\/li>\n<\/ol>\n

    S\u0131k yap\u0131lan hatalar<\/h2>\n
      \n
    • Pe\u015finat\u0131 ba\u015fvurudan hemen \u00f6nce hesaba ge\u00e7irmek. Paran\u0131n hesapta bir s\u00fcre durmu\u015f olmas\u0131 ve kayna\u011f\u0131n\u0131n belgelenmesi isteniyor.<\/li>\n
    • Maketten al\u0131mda kredi teklifinin s\u00fcresini teslim tarihine g\u00f6re planlamamak.<\/li>\n
    • Kiran\u0131n taksiti kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 varsaymak. Kurumlar kiray\u0131 belirli bir katsay\u0131yla ve kendi varsayd\u0131klar\u0131 faizle test ediyor; ger\u00e7ek kira yetse bile test kalabiliyor.<\/li>\n
    • \u015eirket \u00fczerinden al\u0131nan konutta oturmay\u0131 planlamak.<\/li>\n<\/ul>\n

      Pe\u015finat ve kredi oran\u0131 bantlar\u0131 kurumlar\u0131n \u00fcr\u00fcn k\u0131lavuzlar\u0131ndan derlenmi\u015ftir ve s\u0131k de\u011fi\u015fiyor; ba\u011flay\u0131c\u0131 olan ba\u015fvuru an\u0131nda ge\u00e7erli olan \u015fartlard\u0131r. Kaynak: capital.works\u00ae mortgage derlemesi, Eyl\u00fcl 2026.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

      Bu sayfa, \u0130ngiltere\u2019de mortgage ba\u015fvurusunun nas\u0131l y\u00fcr\u00fcd\u00fc\u011f\u00fcn\u00fc anlat\u0131yor: hangi kredi yap\u0131s\u0131n\u0131n hangi amaca uydu\u011fu, istenen belgeler, maliyet kalemleri ve ba\u015fvuruyu geciktiren tipik hatalar. Yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131dan genellikle %25 ile %40 aras\u0131nda pe\u015finat isteniyor, yani kredi oran\u0131 (LTV) %60-%75 band\u0131nda kal\u0131yor. \u201cAlabilir miyim, ne kadar kredi \u00e7\u0131kar?\u201d sorusunun cevab\u0131 ayr\u0131 bir sayfada: T\u00fcrk vatanda\u015f\u0131 \u0130ngiltere\u2019de […]<\/p>\n","protected":false},"author":1,"featured_media":19683,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_cw_page_css":"\/* cw-kapak-oran *\/\n.post-thumbnail-wrap{max-height:440px;overflow:hidden;border-radius:6px}\n.post-thumbnail-wrap img.wp-post-image{width:100%;height:440px;object-fit:cover;object-position:center}\n@media (max-width:767px){.post-thumbnail-wrap{max-height:220px}\n.post-thumbnail-wrap img.wp-post-image{height:220px}}"},"categories":[8],"tags":[],"class_list":["post-19679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gayrimenkul"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\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