Türkiye’de Yurtdışından Ev Alırken Düşünülmesi Gerekenler?
Türkiye’de Yurtdışından Ev Alırken Düşünülmesi Gereken Noktalar Nelerdir?
Yabancı ülkelerde çalışan ve ikamet eden Türk Vatandaşları’nın Türkiye’de yapacakları yatırımlarda bazı önemli hususları göz önünde bulundurmaları gerekir. Türkiye’de ev alırken nelere dikkat edilmesi gerektiği ile ilgili olarak tüm bilgileri sizler için araştırdık.
Öncelikle yapılması gereken iyi bir fizibilite çalışması yapmaktır. Ev, arsa ya da benzer gayrimenkulleri satın alırken piyasa değeri, konumu ve kredi koşulları incelenmelidir. Yapılacak olan yatırımın orta ve uzun vadede getirisi hesaplanmalıdır. Ev alacak olanların krediye uygun olup olmadığını net bir şekilde anlaması şart. Krediye konu olan gayrimenkulün gerçek piyasa değerini araştırmalı ve tespit etmeniz dikkat etmeniz gereken en önemli konudur. Daha sonrasında ise bankalarla görüşmeli ve en uygun kredi imkanını sunan bankadan kredinizi kullanmalısınız.
Krediye uygun olmayan evler için bankalar mortgage kredisi vermemektedir. Özellikle hisseli ve iskansız evlerde kredi sorunu yaşanabilmektedir. Türkiye emlak fiyatları son zamanlarda ciddi şekilde yükselişe geçmiştir. Özellikle İstanbul gibi büyük şehirlerde fiyatlar çok ciddi noktalara gelmiştir. Düşük, orta ve yüksek gelir gruplarına göre farklı konut alternatifleri sunulmaktadır. Yurtdışında çalışan ve ikamet eden Türk Vatandaşlarımızın konut fiyatlarını da titiz bir şekilde araştırmaları gerekiyor. Yabancıları Mortgage kresi veren Türk bankaları mevcut. Mortgage kredisi veren bankalar ve şartlar hakkında detaylı bilgilere yazımızın son kısmından ulaşabilirsiniz.
Yurtdışı Mortgage’ı Veren Bankalar
Yurtdışında yaşayan Türk Vatandaşları’nın ülkemizde gerek oturmak, gerekse de yatırım için aldıkları evlere bazı Türk bankaları konut kredisi imkanı sunmaktadır. Bu bankalar arasında Garanti, İş Bankası, Yapıkredi ve İNG gibi bankalar bulunuyor. Yurtdışında yaşayan Türk Vatandaşları TL, USD ve EURO para birimleri üzerinden dilediğini tercih edebilir ve konut finansman kredisi kullanabilirler.
https://www.isbank.com.tr/TR/bireysel/krediler/ev-kredisi/Sayfalar/ev-kredisi.aspx
http://www.evinziraatten.com.tr/urunlerimiz/Sayfalar/yurt-disi-yerlesiklere-konut-kredisi.aspx
https://www.garantimortgage.com/yurtdisinda-yerlesiklere-mortgage-ozellikler.aspx
Kredi kullanım şartları bulunduğunuz ülke ve bankaya göre değişebilmektedir. Alacak olduğunuz evin %80’inine kadar kredi kullanma imkanınız bulunuyor. Kredi kullanımı için krediye konu olan gayrimenkulun expertizi, pasaport ve nüfus cüzdanı, yaşadığınız ülkedeki gelir belgesi, son 3 aya iat banka hesap özetleriniz, kredi kayıtlarınız, söz konusu gayrimenkulun tapusu gibi evraklar gerekmektedir.
Yurt Dışından Türkiye’de Kredi Kullanacaklardan İstenilen Belgeler nelerdir?
İhtiyaç Kredileri İçin Başlıca Gereken Belgeler:
- TCKN olma zorunluluğu vardır.
- Nüfus Cüzdanı fotokopisi
- Adınıza ait fatura
- Aylık Gelir Belgesi
- Türkiye’de bulunan ikamet adresi şartı
- Vekalet ve Kefil (Türkiye’de yaşama zorunluluğu vardır.)
- İpotek edilecek taşınmaza ait tapu belgesi ( Yurtdışında yaşayan Türk vatandaşlarına ihtiyaç kredileri ipotekle verilmektedir.
Gurbetçi Mortgage (Konut Kredileri İçin) Başlıca Gerekli Belgeler:
- BaÅŸvuru Formu
- Vergi Kimlik Numarası
- Krediye Konu Olan Gayrimenkule Ait Ekspertiz Raporu
- T.C.Pasaportu veya T.C. Nüfus Cüzdanı Aslı ve Fotokopisi
- Yaşanılan Ülkedeki Gelir Belgesi,
- 3 Aylık Banka Hesap Ekstresi ve Kredi Kartı Ekstresi
- YaÅŸanılan Ãœlkedeki Kredi Kayıt Bürosu Kaydı (ÖrneÄŸin Almanya – SCHUFA, Hollanda – BKR)
- Yurtdışındaki İkamet Adresine Ait Faturaların Fotokopisi (Elektrik, Telefon vb)
- Satın Alınacak Konuta Ait Tapu Fotokopisi
- Evli ise EÅŸ Muvafakatnamesi,
Size Kefil Olacak Kişi İçin Aşağıdaki Bilgilere Özellikle Dikkat Edilmesi Gerekmektedir:
- KKB notu ve gelirin en az krediyi kullanacak kişinin geliri kadar olması (kredinin borçlu tarafından ödenmemesi durumunda kefil olan kişinin ödeyebilir gücünün olması gerekmektedir)
- Gelir belgesi beyan edebilmesi,
- Türkiye’de ikamet etmesi
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