Türkiye’de Finansallaşma Perspektifinden Gayrimenkul Tercihi

Yıl 2025, Sayı: 124, 213 - 232, 01.10.2025

Behice Canatan

Öz

Son yıllarda sermayenin yeniden üretiminin bir kısmı mekânın finansallaşması üzerinden gerçekleştiği için gayrimenkuller, geleneksel kullanım amacının yanında finansal bir varlık aracı olarak da ön plana çıkmıştır. Bu doğrultuda çalışmanın temel amacı, hanehalkı finansallaşmasının gayrimenkul tercihleri üzerine olan etkilerini araştırmaktır. Bu temel amaç ekseninde, tasarruf ve borçlanma davranışları, yatırımcı ufku, riske karşı tutum ve sosyodemografik faktörlerin de incelenmesiyle etki alanını genişletmektedir. Cumhurbaşkanlığı Finans Ofisi tarafından yayımlanan 2019 Hanehalkı Finansal Algı ve Tutum Araştırması’ndan logit model aracılığıyla elde edilen tahmin bulguları, erkeklerin, evli bireylerin, yaşın ilerlemesinin, hanehalkı büyüklüğünün artmasının, tasarruf edenlerin ve finansallaşmış hanehalklarının gayrimenkul tercihi üzerindeki önemini vurgulamaktadır.

Anahtar Kelimeler

Finansallaşma , Gayrimenkul , Riske Karşı Tutum , Yatırımcı Ufku

Real Estate Preference From the Perspective of Financialisation in Türkiye

Öz

In recent years, as part of capital reproduction has been realized through the financialization of space, real estate has emerged as a financial asset instrument, in addition to its traditional use. Consequently, the main objective of this study is to investigate the effects of household financialization on real estate preferences. To this end, the study broadens its scope by examining factors such as savings and borrowing behavior, investor horizon, attitudes towards risk, and sociodemographic characteristics. The estimation findings, derived from the 2019 Household Financial Perception and Attitude Survey published by the Presidential Finance Office and analyzed using the logit model, highlight the importance of factors such as gender, marital status, age, household size, saving behavior, and household financialization in shaping real estate preferences.

Anahtar Kelimeler

Financialisation , Real Estate , Attitude towards Risk , Investor Horizon.

Kaynakça

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