Publication: Mortgage sistemi ve hayat sigortalarına etkileri
Abstract
i ÖZET Gelişmekte olan ülkeler arasında yer alan Türkiye’de hızlı nüfus artışı ve hızlı kentleşmeye bağlı olarak konut ihtiyacı her yıl katlanarak büyümektedir. Özellikle son yıllarda ekonomik ve mali alanlarda yaşanan olumlu gelişmelerle birlikte kurumsallaşma sürecine önem verilmiş ve yeni bir konut finansmanı sistemi uygulanması için bazı adımlar atılmıştır. Mortgage sistemi, gelişmiş konut ve sermaye piyasalarında oluşan ve uzun süredir uygulanan bir sistemdir. Bu çalışmada sistemin işleyişinden, sisteme has kavramlardan, sistemi oluşturan unsurlardan bahsedilmiştir. Bunun yanında hayat sigortacılığının da bu sistem için önemi vurgulanmıştır. Bu çalışmanın amacı finans sektörü gelişmiş ülkelerde uzun zamandan beri başarılı örnekleri gösterilen mortgage’ı ayrıntıları ile incelemek ve hızla gelişmekte olan ülkemiz için hayat sigortaları ile birlikte risklerinin nasıl azaltılacağını tespit etmektir. ii
Rapid population growth and because of this urbanization occured in our country increase the prombem of housing has been continuing at the top level. Especially in recent years, with the economic and public finance developments, the goverment has paid attention to the institutional process of house finance and they have decided to apply a new housing finance system. Mortgage system is, where occurs in developed residence and capital markets, carried out for a long time. The process of the system, the consepts, which are unique to the system and the components that constitute are researched in this study. And instead of this system the study are researched that how life insurance is important. The aim of this work is to examine in detail long term Housing credits that is mortgage that successful examples can be seen in countries that have developed financial systems and to determine the life insurance how to minimize of this system in Turkey where the population increases rapidly.
Rapid population growth and because of this urbanization occured in our country increase the prombem of housing has been continuing at the top level. Especially in recent years, with the economic and public finance developments, the goverment has paid attention to the institutional process of house finance and they have decided to apply a new housing finance system. Mortgage system is, where occurs in developed residence and capital markets, carried out for a long time. The process of the system, the consepts, which are unique to the system and the components that constitute are researched in this study. And instead of this system the study are researched that how life insurance is important. The aim of this work is to examine in detail long term Housing credits that is mortgage that successful examples can be seen in countries that have developed financial systems and to determine the life insurance how to minimize of this system in Turkey where the population increases rapidly.