BibTex RIS Cite

Konut Finansmanı Sistemi ve Türkiye’de TOKİ Uygulamalarının Analizi

Year 2011, Issue: 51, 139 - 156, 01.07.2011

Abstract

Konut finansmanı, gelismekte olan ülkelerin en önemli sorunlarından biridir. Gelismis ülkelerde, konut finansmanı sisteminin temelini konut kredisi portföyüne dayalı olarak türetilen uzun vadeli menkul kıymet ihracı olusturmaktadır. Kuskusuz bu sistemin etkin bir biçimde islemesi, sistemin altyapısını olusturacak çesitli kurumlara ve uzun vadeli ekonomik istikrara bağlıdır. Bir kamu kurulusu olması dolayısıyla, Toplu Konut İdaresi’nin, Türkiye’de kısa vadede konut finansmanı sorununun çözümüne katkı sağlayabilecek en önemli unsurlardan biri olduğu düsünülmektedir. Ancak Toplu Konut İdaresi’nin mevcut isleyis biçimi, söz konusu sorunun çözümüne katkı sağlamaktan son derece uzaktır. Toplu Konut İdaresi, konut sorununa iliskin köklü çözümler getirmek yerine, sadece konut sayısının arttırılmasını hedefleyen sağlıksız ve sürekli yeni sorunlar üreten bir finansman anlayısını esas almaktadır. Toplu Konut İdaresi tarafından gerçeklestirilen vadeli konut satısları sonucu olusan kredi portföyüne dayalı olarak menkul kıymet ihraç edilmesi, söz konusu finansman sorununun çözümüne önemli katkı sağlayacaktır.

Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey

Year 2011, Issue: 51, 139 - 156, 01.07.2011

Abstract

Housing finance is one of the most important problems of the developing countries. In the developed countries, long termed mortgage backed securities are the base of the housing finance system. Certainly, to be able to work the system effectively, it is essential to having some complementary financial institutions and long termed economic stability. Because it is a governmental institution, in short term, Housing Development Administration could play an essential role and could provide very significant contributions to housing finance in Turkey. But Housing Development Administration’s existing policies is far away from that point. Housing Development Administration’s existing finance policies, ignoring the other factors, only aim to increase the house reserves. That’s why, constantly it cause new problems, in contrary to bringing efficient solutions. It is considered that, issuing the mortgage backed securities derived from mortgage credits portfolio of the Housing Development Administration will provide a great contribution to housing finance problem in Turkey.

There are 0 citations in total.

Details

Other ID JA52ZY33JK
Journal Section Research Article
Authors

Ebubekir Ayan This is me

Publication Date July 1, 2011
Submission Date July 1, 2011
Published in Issue Year 2011 Issue: 51

Cite

APA Ayan, E. (2011). Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey. The Journal of Accounting and Finance(51), 139-156.
AMA Ayan E. Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey. The Journal of Accounting and Finance. July 2011;(51):139-156.
Chicago Ayan, Ebubekir. “Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey”. The Journal of Accounting and Finance, no. 51 (July 2011): 139-56.
EndNote Ayan E (July 1, 2011) Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey. The Journal of Accounting and Finance 51 139–156.
IEEE E. Ayan, “Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey”, The Journal of Accounting and Finance, no. 51, pp. 139–156, July 2011.
ISNAD Ayan, Ebubekir. “Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey”. The Journal of Accounting and Finance 51 (July 2011), 139-156.
JAMA Ayan E. Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey. The Journal of Accounting and Finance. 2011;:139–156.
MLA Ayan, Ebubekir. “Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey”. The Journal of Accounting and Finance, no. 51, 2011, pp. 139-56.
Vancouver Ayan E. Housing Finance System and Analysis of The Applications of Housing Development Administration of Turkey. The Journal of Accounting and Finance. 2011(51):139-56.