Bu yat\u0131r\u0131m modeli do\u011fru kurulursa i\u015fe yarar, ama yanl\u0131\u015f anla\u015f\u0131l\u0131rsa ciddi zarar ettirebilir.
\nA\u015fa\u011f\u0131da yat\u0131r\u0131mc\u0131lar\u0131n en \u00e7ok yan\u0131ld\u0131\u011f\u0131 noktalar\u0131 a\u00e7\u0131k \u015fekilde anlat\u0131yorum.<\/p>\n
![\"Apartman](\"https:\/\/yatirim.uk\/wp-content\/uploads\/2026\/04\/full-shot-friends-sitting-together-suburbs-1536x1024.jpg\")
<\/p>\n
1. \u201cDevlet kiray\u0131 \u00f6d\u00fcyor\u201d do\u011fru de\u011fil<\/h3>\n
En b\u00fcy\u00fck yanl\u0131\u015f anlama budur.<\/p>\n
\u00c7o\u011fu projede kiray\u0131 \u00f6deyen \u0130ngiliz devleti de\u011fil, arada bulunan bir \u015firkettir.
\nBu \u015firket bir housing provider veya i\u015fletmeci olur.<\/p>\n
E\u011fer bu \u015firket batarsa veya \u00f6deme yapamazsa:<\/p>\n
\u2192 kira kesilir<\/p>\n
\u2192 ev bo\u015f kal\u0131r<\/p>\n
\u2192 yat\u0131r\u0131mc\u0131 tek ba\u015f\u0131na kal\u0131r<\/p>\n
2. \u201cGuaranteed rent\u201d her zaman garanti de\u011fildir<\/h3>\n
Sat\u0131\u015f s\u0131ras\u0131nda \u201c10 y\u0131l garanti kira\u201d gibi ifadeler kullan\u0131l\u0131r.
\nAma s\u00f6zle\u015fmeye bak\u0131ld\u0131\u011f\u0131nda:<\/p>\n
- \n
- Erken \u00e7\u0131k\u0131\u015f maddesi olabilir<\/li>\n
- \u015eirket istedi\u011finde anla\u015fmay\u0131 bozabilir<\/li>\n
- Garanti s\u00fcresi s\u0131n\u0131rl\u0131 olabilir<\/li>\n<\/ul>\n
Yani bu garanti \u00e7o\u011fu zaman bankadaki faiz gibi garanti de\u011fildir.<\/p>\n
3. Y\u00fcksek kira = y\u00fcksek de\u011fer demek de\u011fil<\/h3>\n
Al\u0131\u015f\u0131k oldu\u011fumuz mant\u0131k:<\/p>\n
\u201cKira y\u00fcksekse ev de\u011ferlidir\u201d<\/strong><\/p>\n
\u0130ngiltere\u2019de bu her zaman ge\u00e7erli de\u011fil.<\/p>\n
Banka ve ekspertiz \u00e7o\u011fu zaman \u015f\u00f6yle bakar:<\/p>\n
\u2192 Bu ev normal kiraya verilse ne eder?<\/p>\n
Bu da \u015fu riski yarat\u0131r:<\/p>\n
\u2192 Ka\u011f\u0131t \u00fczerinde %8 getiri var<\/p>\n
\u2192 Ama banka %5\u2019e g\u00f6re de\u011fer bi\u00e7iyor<\/p>\n
4. Satmas\u0131 zor olabilir<\/h3>\n
Social housing m\u00fclkleri herkese sat\u0131lamaz.<\/p>\n
\u00c7\u00fcnk\u00fc:<\/p>\n
- \n
- Uzun kira s\u00f6zle\u015fmesi vard\u0131r<\/li>\n
- Al\u0131c\u0131 ayn\u0131 riskleri almak zorundad\u0131r<\/li>\n
- Mortgage almak zor olabilir<\/li>\n<\/ul>\n
Bu nedenle \u00e7\u0131k\u0131\u015f (exit) her zaman kolay de\u011fildir.<\/p>\n
5. Ev daha h\u0131zl\u0131 y\u0131pran\u0131r<\/h3>\n
Social housing\u2019da ya\u015fayan profil genelde:<\/p>\n
- \n
- Daha yo\u011fun kullan\u0131m yapar<\/li>\n
- Daha az \u00f6zen g\u00f6sterebilir<\/li>\n<\/ul>\n
Sonu\u00e7:<\/p>\n
\u2192 Daha fazla bak\u0131m masraf\u0131<\/p>\n
\u2192 Daha s\u0131k tadilat<\/p>\n
6. S\u00f6zle\u015fme en kritik konu<\/h3>\n
\u00c7o\u011fu yat\u0131r\u0131mc\u0131 s\u00f6zle\u015fmeye bakmaz, sadece getiriye bakar.
\n\u0130ngiltere\u2019de ise tam tersi olmal\u0131.<\/p>\n\u015eu sorular net olmal\u0131:<\/p>\n
- \n
- Bak\u0131m\u0131 kim yapacak?<\/li>\n
- Ev hangi durumda geri teslim edilecek?<\/li>\n
- \u015eirket \u00e7\u0131karsa ne olur?<\/li>\n<\/ul>\n
7. Mortgage almak zor olabilir<\/h3>\n
Her banka bu modeli finanse etmez.<\/p>\n
Sonu\u00e7:<\/p>\n
\u2192 Daha az banka se\u00e7ene\u011fi<\/p>\n
\u2192 Daha y\u00fcksek faiz<\/p>\n
\u2192 Daha d\u00fc\u015f\u00fck kredi oran\u0131<\/p>\n
Net \u00d6zet<\/h3>\n
Social housing yat\u0131r\u0131m\u0131:<\/p>\n
- \n
- D\u00fczenli gelir sa\u011flayabilir<\/li>\n
- Bo\u015f kalma riski d\u00fc\u015f\u00fckt\u00fcr<\/li>\n
- Ama kontrol d\u00fc\u015f\u00fckt\u00fcr<\/li>\n
- \u00c7\u0131k\u0131\u015f zor olabilir<\/li>\n
- Yanl\u0131\u015f operat\u00f6r se\u00e7ilirse risk b\u00fcy\u00fckt\u00fcr<\/li>\n<\/ul>\n
En kritik konu \u015fudur:<\/p>\n