{"id":18223,"date":"2022-12-23T20:35:55","date_gmt":"2022-12-23T20:35:55","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=18223"},"modified":"2024-09-09T02:26:06","modified_gmt":"2024-09-09T01:26:06","slug":"mortgage-garanti-programi-aralik-2023un-sonuna-kadar-bir-yil-uzatilacak","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/mortgage-garanti-programi-aralik-2023un-sonuna-kadar-bir-yil-uzatilacak\/","title":{"rendered":"Mortgage Garanti Program\u0131, Aral\u0131k 2023’\u00fcn sonuna kadar bir y\u0131l uzat\u0131lacak"},"content":{"rendered":"

\u0130ngiltere h\u00fck\u00fcmeti, az depozitoyla ev almak isteyenlere yard\u0131mc\u0131 olmak i\u00e7in ba\u015flat\u0131lan mortgage garantisi uygulamas\u0131n\u0131n, gelecek y\u0131l\u0131n sonuna kadar uzat\u0131ld\u0131\u011f\u0131n\u0131 duyurdu.<\/p>\n

Kirac\u0131lar\u0131 ev sahibine d\u00f6n\u00fc\u015ft\u00fcrme hedefiyle Nisan 2021\u2019de ba\u015flat\u0131lan uygulaman\u0131n bu ay sona ermesi planlan\u0131yordu.<\/p>\n

\u0130ngiltere Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, garanti uygulamas\u0131ndan Birle\u015fik Krall\u0131k genelinde \u015fimdiye kadar 24 binden fazla hane halk\u0131 faydaland\u0131 ve bunlar\u0131n y\u00fczde 85\u2019ini ilk evini alanlar olu\u015fturuyor.<\/p>

\"\"<\/a><\/div>\n

Garanti uygulamas\u0131<\/a>, de\u011feri 600 bin sterline kadar \u00e7\u0131kabilen evler i\u00e7in y\u00fczde 95 oran\u0131nda mortgage sunan bankalara destek veriyor ve b\u00f6ylelikle m\u00fc\u015fteriler yaln\u0131zca y\u00fczde 5 depozito \u00f6deyerek ev sahibi olabiliyor. Bu anla\u015fmalar da genellikle son y\u0131llarda b\u00fcy\u00fck oranda artan ev fiyatlar\u0131 nedeniyle depozito biriktirme konusunda zorlanan ki\u015filer taraf\u0131ndan kullan\u0131l\u0131yor.<\/p>\n

Maliye Bakanl\u0131\u011f\u0131\u2019ndan John Glen, zorlay\u0131c\u0131 ekonomik ko\u015fullarda ilk evini almak isteyenlere ya da hayalindeki eve ta\u015f\u0131nmak isteyenlere yard\u0131mc\u0131 olmaya devam ettiklerini s\u00f6yledi. Glen, uygulaman\u0131n uzat\u0131lmas\u0131n\u0131n, binlerce insan\u0131n daha uygulamadan faydalanmas\u0131na olanak tan\u0131yaca\u011f\u0131n\u0131 ve zor zamanlarda piyasay\u0131 destekleyece\u011fini ifade etti.<\/p>\n

Uygulama kapsam\u0131nda, anla\u015fmalar\u0131 sunan bankalar, mortgage anla\u015fmalar\u0131n\u0131n y\u00fczde 80 ve 95\u2019i aras\u0131nda bir miktar\u0131 i\u00e7in garanti sat\u0131n alabiliyor. Mortgage alan ki\u015fi finansal olarak zor duruma d\u00fc\u015ferse ve m\u00fclklerine el konulursa bu durumda h\u00fck\u00fcmet, bankan\u0131n kayb\u0131n\u0131 \u00f6d\u00fcyor.<\/p>\n

The Guardian gazetesi taraf\u0131ndan yay\u0131nlanan habere g\u00f6re, sat\u0131\u015fta olan d\u00fc\u015f\u00fck depozitolu y\u00fczde 95\u2019lik mortgage anla\u015fmalar\u0131, eski h\u00fck\u00fcmetin mini b\u00fct\u00e7esinin yaratt\u0131\u011f\u0131 ekonomik kar\u0131\u015f\u0131kl\u0131klar sonras\u0131nda azalm\u0131\u015ft\u0131.<\/p>\n

Daha sonra sonbahar aylar\u0131nda da h\u00fck\u00fcmetin garanti anla\u015fmas\u0131n\u0131 uzatmay\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fc ortaya \u00e7\u0131km\u0131\u015ft\u0131. Mortgage garanti uygulamas\u0131, h\u00fck\u00fcmetin \u201chelp-to-buy\u201d uygulamas\u0131ndan daha farkl\u0131.<\/p>\n

\u201cHelp-to-buy\u201d uygulamas\u0131 kapsam\u0131nda, h\u00fck\u00fcmet al\u0131c\u0131ya \u0130ngiltere\u2019de alacaklar\u0131 evin tam fiyat\u0131n\u0131n y\u00fczde 5\u2019i ve y\u00fczde 20\u2019si kadar\u0131nda bor\u00e7 sa\u011flayabiliyor.<\/p>\n

Ba\u015fkent Londra\u2019da ev almak isteyenler i\u00e7in bu oran y\u00fczde 40\u2019a kadar \u00e7\u0131kabiliyor. Al\u0131c\u0131lar\u0131n yine y\u00fczde 5 oran\u0131nda depozito bulmas\u0131 gerekiyor ama h\u00fck\u00fcmetin sa\u011flad\u0131\u011f\u0131 bor\u00e7 sayesinde al\u0131nacak mortgage miktar\u0131 azalabiliyor.<\/p>\n

Buna ra\u011fmen, \u201chelp-to-buy\u201d uygulamas\u0131na ba\u015fvurmak i\u00e7in son tarih 31 Ekim\u2019di ve al\u0131c\u0131lar\u0131n yasal i\u015flemleri 31 Mart\u2019a kadar tamamlamas\u0131 gerekiyor. \u201cHelpto- buy\u201d uygulamas\u0131, 31 Mart tarihinde resmi olarak sona erecek.<\/p>\n

\"\"<\/a><\/div>","protected":false},"excerpt":{"rendered":"

\u0130ngiltere h\u00fck\u00fcmeti, az depozitoyla ev almak isteyenlere yard\u0131mc\u0131 olmak i\u00e7in ba\u015flat\u0131lan mortgage garantisi uygulamas\u0131n\u0131n, gelecek y\u0131l\u0131n sonuna kadar uzat\u0131ld\u0131\u011f\u0131n\u0131 duyurdu. Kirac\u0131lar\u0131 ev sahibine d\u00f6n\u00fc\u015ft\u00fcrme hedefiyle Nisan 2021\u2019de ba\u015flat\u0131lan uygulaman\u0131n bu ay sona ermesi planlan\u0131yordu. \u0130ngiltere Maliye Bakanl\u0131\u011f\u0131 taraf\u0131ndan yap\u0131lan a\u00e7\u0131klamaya g\u00f6re, garanti uygulamas\u0131ndan Birle\u015fik Krall\u0131k genelinde \u015fimdiye kadar 24 binden fazla hane halk\u0131 faydaland\u0131 ve bunlar\u0131n y\u00fczde 85\u2019ini ilk evini alanlar olu\u015fturuyor. Garanti uygulamas\u0131, de\u011feri 600 bin sterline kadar \u00e7\u0131kabilen evler i\u00e7in y\u00fczde 95 oran\u0131nda mortgage sunan bankalara destek veriyor ve b\u00f6ylelikle m\u00fc\u015fteriler yaln\u0131zca y\u00fczde 5 depozito \u00f6deyerek ev sahibi olabiliyor. Bu anla\u015fmalar da genellikle son y\u0131llarda b\u00fcy\u00fck oranda artan […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18223","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/18223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=18223"}],"version-history":[{"count":0,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/18223\/revisions"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=18223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=18223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=18223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}