{"id":25213,"date":"2026-10-31T00:37:53","date_gmt":"2026-10-30T23:37:53","guid":{"rendered":"https:\/\/yatirim.uk\/tr\/gayrimenkuller\/"},"modified":"2026-10-31T00:51:44","modified_gmt":"2026-10-30T23:51:44","slug":"ingilterede-ortak-ev-almak","status":"publish","type":"post","link":"https:\/\/yatirim.uk\/tr\/ingilterede-ortak-ev-almak\/","title":{"rendered":"\u0130ngiltere\u2019de Ortak Ev Almak: \u0130ki Ki\u015fi Birlikte Alabilir mi?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25213\" class=\"elementor elementor-25213 elementor-bc-flex-widget\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cwoauk1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cwoauk1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cwoauk2\" data-id=\"cwoauk2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cwoauk3 elementor-widget elementor-widget-text-editor\" data-id=\"cwoauk3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cw-wa-not\">Sol alttaki butona t\u0131klayarak Whatsapp&#8217;tan bize hemen ula\u015fabilirsiniz<\/p>\n<p>Bu yaz\u0131 ger\u00e7ek bir soruyla do\u011fdu: iki ki\u015fi \u0130ngiltere\u2019de birlikte ev alabilir mi? K\u0131sa cevap evet, alabilir. Uzun cevap, kimin hangi payla tapuda yazd\u0131\u011f\u0131n\u0131n damga vergisinden mirasa kadar her \u015feyi de\u011fi\u015ftirdi\u011fi.<\/p>\n<h2>Tapuda ka\u00e7 isim olabilir?<\/h2>\n<p>\u0130ngiltere Tapu Dairesi (Land Registry) bir m\u00fclk\u00fcn tapusuna en fazla d\u00f6rt isim yaz\u0131yor. Daha kalabal\u0131k bir grup alacaksa, m\u00fclk\u00fc bu d\u00f6rt ki\u015fi tr\u00f6st olarak di\u011ferleri ad\u0131na tutuyor ve ger\u00e7ek paylar ayr\u0131 bir belgede tan\u0131mlan\u0131yor.<\/p>\n<h2>\u0130ki ayr\u0131 m\u00fclkiyet bi\u00e7imi var ve se\u00e7im sonradan pahal\u0131ya mal oluyor<\/h2>\n<p><strong>Joint tenants.<\/strong> Paylar b\u00f6l\u00fcnm\u00fcyor, herkes m\u00fclk\u00fcn tamam\u0131na birlikte sahip. Maliklerden biri vefat etti\u011finde pay\u0131 vasiyete bak\u0131lmaks\u0131z\u0131n otomatik olarak di\u011ferine ge\u00e7iyor. Evli \u00e7iftlerin al\u0131\u015f\u0131ld\u0131k tercihi.<\/p>\n<p><strong>Tenants in common.<\/strong> Paylar tan\u0131ml\u0131: y\u00fczde 50 ile y\u00fczde 50 olabilir, y\u00fczde 70 ile y\u00fczde 30 da olabilir. Bir malik vefat etti\u011finde pay\u0131 otomatik olarak di\u011ferine ge\u00e7miyor, vasiyetine g\u00f6re miras\u00e7\u0131lar\u0131na gidiyor. Farkl\u0131 tutarlar koyan ortaklar, karde\u015fler ve arkada\u015flar i\u00e7in uygun olan yap\u0131 bu.<\/p>\n<p style=\"margin:18px 0;padding:12px 16px;background:#f2f6fa;border-inline-start:3px solid #004274;border-radius:4px;\">Bu se\u00e7im hukuki bir i\u015flem ve avukat\u0131n alan\u0131. Biz s\u00fcreci ve belge ak\u0131\u015f\u0131n\u0131 y\u00f6netiriz; tapudaki yap\u0131y\u0131 sizin avukat\u0131n\u0131z kurar.<\/p>\n<h2>As\u0131l tuzak damga vergisinde<\/h2>\n<p>Buras\u0131 ortak al\u0131mda en \u00e7ok ka\u00e7\u0131r\u0131lan yer, o y\u00fczden a\u00e7\u0131k\u00e7a yaz\u0131yorum. <strong>Ortak al\u0131c\u0131lardan herhangi biri d\u00fcnyan\u0131n herhangi bir yerinde konut sahibiyse, ek konut damga vergisi o ki\u015finin pay\u0131na de\u011fil, al\u0131m\u0131n tamam\u0131na uygulan\u0131yor.<\/strong><\/p>\n<p>HMRC\u2019nin kendi el kitab\u0131 bunu \u015f\u00f6yle ifade ediyor: ortak al\u0131mda, al\u0131c\u0131lardan herhangi biri tek ba\u015f\u0131na de\u011ferlendirildi\u011finde y\u00fcksek oran kapsam\u0131na giriyorsa, i\u015flemin tamam\u0131 y\u00fcksek oran kapsam\u0131na giriyor. Pay\u0131n ne kadar k\u00fc\u00e7\u00fck oldu\u011fu da fark etmiyor.<\/p>\n<p>Somutla\u015ft\u0131ral\u0131m. \u0130lk evini alan biri, \u0130stanbul\u2019da bir dairesi olan karde\u015fiyle birlikte Londra\u2019dan ev al\u0131yor. Karde\u015fin pay\u0131 y\u00fczde 10 bile olsa, ek konut oran\u0131 al\u0131m\u0131n tamam\u0131 \u00fczerinden hesaplan\u0131yor.<\/p>\n<p>Ayn\u0131 mant\u0131k yerle\u015fik olmama s\u00fcr\u015farj\u0131nda da i\u015fliyor: al\u0131c\u0131lardan biri \u0130ngiltere yerle\u015fi\u011fi say\u0131lm\u0131yorsa, s\u00fcr\u015farj i\u015flemin tamam\u0131na uygulan\u0131yor.<\/p>\n<p>Oranlar d\u00f6nem d\u00f6nem de\u011fi\u015fiyor; g\u00fcncel rakam ve kendi senaryonuz i\u00e7in <a href=\"https:\/\/yatirim.uk\/tr\/sdlt-hesaplayici\/\">damga pulu vergisi hesaplay\u0131c\u0131m\u0131z\u0131<\/a> kullan\u0131n. Dilim tablosu ve s\u00fcr\u015farjlar\u0131n ayr\u0131nt\u0131s\u0131 <a href=\"https:\/\/yatirim.uk\/tr\/ingilterede-ev-almak\/\">\u0130ngiltere\u2019de ev almak rehberimizde<\/a>.<\/p>\n<h3>Bir istisna var<\/h3>\n<p>Di\u011fer m\u00fclkte hi\u00e7bir intifa hakk\u0131 bulunmayan bir ki\u015fi ortak al\u0131c\u0131 say\u0131lm\u0131yor. Ama bunun yaz\u0131l\u0131 olarak belgelenmesi gerekiyor; s\u00f6zl\u00fc beyan yeterli de\u011fil.<\/p>\n<h2>Mortgage taraf\u0131nda ne de\u011fi\u015fiyor?<\/h2>\n<ul>\n<li>Banka b\u00fct\u00fcn ba\u015fvuranlar\u0131 birlikte de\u011ferlendiriyor: gelirler toplan\u0131yor, ama kredi kart\u0131 borcundan nafakaya kadar y\u00fck\u00fcml\u00fcl\u00fckler de toplan\u0131yor.<\/li>\n<li>Tapuda ad\u0131 olan herkesin genellikle mortgage\u2019da da ad\u0131 oluyor. Tapuda olup kredide olmayan bir malik bankan\u0131n teminat\u0131n\u0131 zorla\u015ft\u0131rd\u0131\u011f\u0131 i\u00e7in kabul edilmiyor.<\/li>\n<li>Geri \u00f6deme sorumlulu\u011fu m\u00fc\u015fterek ve m\u00fcteselsil: ortaklardan biri \u00f6demezse banka tamam\u0131n\u0131 di\u011ferinden isteyebiliyor.<\/li>\n<li>Ba\u015fvuranlardan birinin kredi ge\u00e7mi\u015fi di\u011ferini de etkiliyor.<\/li>\n<\/ul>\n<p>Yurt d\u0131\u015f\u0131nda ya\u015fayan al\u0131c\u0131lar i\u00e7in \u015fartlar ayr\u0131ca de\u011fi\u015fiyor; se\u00e7enekleri <a href=\"https:\/\/yatirim.uk\/tr\/buy-to-let-mortgage\/\">buy to let mortgage sayfam\u0131zda<\/a> toplad\u0131k.<\/p>\n<h2>Biri satmak isterse ne olacak?<\/h2>\n<p>Ortak al\u0131mda en \u00e7ok atlanan \u015fey bu ve cevab\u0131 al\u0131mdan \u00f6nce yaz\u0131l\u0131yor. <strong>Declaration of trust<\/strong>, yani bir m\u00fclkiyet beyan\u0131, \u015funlar\u0131 kayda ge\u00e7iriyor: kim ne kadar para koydu, ayl\u0131k \u00f6demeleri kim yap\u0131yor, biri \u00e7\u0131kmak isterse di\u011ferinin \u00f6nal\u0131m hakk\u0131 var m\u0131, sat\u0131\u015f karar\u0131 nas\u0131l al\u0131n\u0131yor, tadilat harcamas\u0131 paylara nas\u0131l yans\u0131yor.<\/p>\n<p>Bu belge olmadan anla\u015fmazl\u0131k mahkemeye gidiyor ve mahkeme paraya de\u011fil tapudaki yap\u0131ya bak\u0131yor. Joint tenants se\u00e7ilmi\u015fse, biri y\u00fczde 80 \u00f6demi\u015f olsa bile pay e\u015fit kabul ediliyor.<\/p>\n<h2>Kira geliri ve vergi<\/h2>\n<p>Kira geliri paylara g\u00f6re b\u00f6l\u00fcn\u00fcyor ve her malik kendi pay\u0131n\u0131 ayr\u0131 beyan ediyor; herkes kendi vergisiz tutar\u0131n\u0131 ve kendi dilimini kullan\u0131yor. Yurt d\u0131\u015f\u0131nda ya\u015fayan malikler i\u00e7in yerle\u015fik olmayan ev sahibi kayd\u0131nda (NRL) her malik ayr\u0131 ba\u015fvuruyor. Ayr\u0131nt\u0131s\u0131 <a href=\"https:\/\/yatirim.uk\/tr\/ingilterede-kira-geliri-vergisi\/\">kira geliri vergisi sayfam\u0131zda<\/a>.<\/p>\n<h2>Karar Verirken Nelere Bakmal\u0131<\/h2>\n<ul>\n<li><strong>Damga vergisini birlikte hesaplay\u0131n.<\/strong> Ortaklardan birinin ba\u015fka bir konutu varsa maliyet tahmininizin tamam\u0131 de\u011fi\u015fir.<\/li>\n<li><strong>Yap\u0131y\u0131 ba\u015ftan se\u00e7in.<\/strong> Joint tenants ile tenants in common aras\u0131ndaki fark, sonradan d\u00fczeltmesi masrafl\u0131 bir fark.<\/li>\n<li><strong>Declaration of trust\u2019u al\u0131mla birlikte yapt\u0131r\u0131n.<\/strong> Sonradan, anla\u015fmazl\u0131k \u00e7\u0131k\u0131nca yap\u0131lm\u0131yor.<\/li>\n<li><strong>Mortgage kapasitesini ortak hesaplay\u0131n.<\/strong> Gelirler topland\u0131\u011f\u0131 gibi bor\u00e7lar da toplan\u0131yor.<\/li>\n<li><strong>\u00c7\u0131k\u0131\u015f senaryosunu konu\u015fun.<\/strong> Biri evlenip ta\u015f\u0131nmak, biri nakde ge\u00e7mek isteyebilir; bunun cevab\u0131 s\u00f6zle\u015fmede olmal\u0131.<\/li>\n<\/ul>\n<p style=\"margin:18px 0;padding:12px 16px;background:#f2f6fa;border-inline-start:3px solid #409fff;border-radius:4px;\">Ortak al\u0131m senaryonuzu birlikte \u00e7\u0131karal\u0131m: kim hangi payla girecek, damga vergisi ne olacak, mortgage kapasitesi ne kadar. <a href=\"https:\/\/yatirim.uk\/tr\/iletisim\/\"><strong>Bize ula\u015f\u0131n<\/strong><\/a><\/p>\n<style>\n  h2 { font-size:24px; margin-top:20px; }\n  h3 { font-size:20px; margin-top:18px; }\n  p, ul, li { font-size:16px; line-height:1.6; }\n  ul { margin:10px 0; }\n  table { width:100%; border-collapse:collapse; margin:14px 0; }\n  th, td { border:1px solid #d7dee6; padding:8px 10px; text-align:start; font-size:15px; }\n  th { background:#f2f6fa; }\n<\/style>\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":"<p>Tapuda en fazla d\u00f6rt isim olabiliyor. As\u0131l tuzak damga vergisinde: al\u0131c\u0131lardan birinin ba\u015fka bir konutu varsa ek oran al\u0131m\u0131n tamam\u0131na uygulan\u0131yor.<\/p>\n","protected":false},"author":1,"featured_media":25221,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_cw_page_css":""},"categories":[8],"tags":[],"class_list":["post-25213","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gayrimenkul"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u0130ki ki\u015fi \u0130ngiltere\u2019de birlikte ev alabilir. Tapuda en fazla d\u00f6rt isim, joint tenants ile tenants in common fark\u0131 ve ortak al\u0131mda damga vergisi tuza\u011f\u0131.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Marcus M. 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