{"id":25705,"date":"2024-06-08T08:00:06","date_gmt":"2024-06-08T08:00:06","guid":{"rendered":"https:\/\/ekamu.net\/?p=25705"},"modified":"2024-06-08T08:00:06","modified_gmt":"2024-06-08T08:00:06","slug":"bina-tamamlama-sigortasinda-yeni-donem","status":"publish","type":"post","link":"https:\/\/ekamu.net\/index.php\/2024\/06\/08\/bina-tamamlama-sigortasinda-yeni-donem\/","title":{"rendered":"Bina tamamlama sigortas\u0131nda yeni d\u00f6nem"},"content":{"rendered":"<p><p><span>Yeni d\u00f6nemde \u00f6<\/span><span>n \u00f6demeli konut sat\u0131\u015f s\u00f6zle\u015fmelerine <\/span><span>ilave olarak <\/span><span>6 \u015eubat depremi sonras\u0131 h\u0131z kazanan <\/span><span>kentsel d\u00f6n\u00fc\u015f\u00fcm projeleri<\/span><span> ile <\/span><span>di\u011fer t\u00fcm in\u015faat projeleri <\/span><span>Bina Tamamlama Sigor<\/span><span>tas\u0131 <\/span><span>kapsam<\/span><span>\u0131n<\/span><span>a al\u0131nd\u0131.<\/span> <span>B\u00f6ylelikle, t<\/span><span>\u00fcketicilerin yan\u0131 s\u0131ra arsa sahipleri<\/span><span> de m\u00fcteahhitlerinden<\/span><span> bu s<\/span><span>igortay\u0131 talep <\/span><span>edebilecekler.<\/span><\/p>\n<p><span>B<\/span><span>ina tamamlama sigortas\u0131 ile <\/span><span>sat\u0131c\u0131<\/span><span>\/<\/span><span>m\u00fcteahhitin<\/span><span>;<\/span> <span>iflas<\/span><span>\u0131<\/span><span>, <\/span><span>\u00f6l\u00fcm<\/span><span>\u00fc<\/span><span> ve<\/span><span> teslim tarihini m\u00fcteakip 12 ay i\u00e7inde <\/span><span>konutu <\/span><span>teslim edememesi<\/span><span> teminat alt\u0131na al\u0131nd\u0131.<\/span> <span>T<\/span><span>eslim tarihini m\u00fcteakip 12 ay i\u00e7inde <\/span><span>konutu<\/span><span>n<\/span> <span>teslim edile<\/span><span>meme<\/span><span>si halin<\/span><span>de<\/span><span>,<\/span> <span>mevzua<\/span><span>ta veya ruhsatl\u0131 projeye ayk\u0131r\u0131 i\u015flemler<\/span><span> de <\/span><span>teminat kapsam\u0131na <\/span><span>d\u00e2hil edilerek arsa sahipleri<\/span><span>\/<\/span><span>t\u00fcketicilere<\/span> <span>sa\u011flanan k<\/span><span>oruma<\/span><span> g\u00fc\u00e7lendirildi.<\/span><\/p>\n<p><span>Ayr\u0131ca, <\/span><span>konutun <\/span><span>sigorta \u015firketince tamamlanacak olmas\u0131 durumda, <\/span><span>sigorta \u015firketi<\/span><span>nce<\/span> <span>gecikme s\u00fcresince <\/span><span>hak sahiplerine <\/span><span>emsale g\u00f6re <\/span><span>hesaplanacak <\/span><span>kira <\/span><span>\u00f6demesi yap<\/span><span>\u0131lmas\u0131na<\/span> <span>ili\u015fkin d\u00fczenleme ile hak sahiplerinin <\/span><span>olas\u0131 <\/span><span>ma\u011fduriyetleri<\/span><span>nin \u00f6n\u00fcne ge\u00e7ildi.<\/span><\/p>\n<p><span>\u0130lave olarak<\/span><span>, <\/span><span>hem <\/span><span>sat\u0131c\u0131n\u0131n<\/span><span>\/<\/span><span>m\u00fcteahhittin hem de hak sahiplerinin ihtiya\u00e7lar\u0131na cevap verecek \u015fekilde bir i\u015fleyi\u015f kurguland\u0131. Bu anlamda, hak sahiplerinin<\/span><span> birikimlerinin teminat alt\u0131na al\u0131nmas\u0131<\/span><span>n\u0131n yan\u0131 s\u0131ra sat\u0131c\u0131\/<\/span><span>m\u00fcteahhitlerin yasal olarak sunmakla sorumlu olduklar\u0131 teminata, banka kredilerini t\u00fcketmeden ve teminat mektubuna ba\u015fvurm<\/span><span>a<\/span><span>dan ula\u015fabilme imk\u00e2n\u0131 sa\u011flanarak<\/span> <span>finansal alternatif yarat\u0131ld\u0131.<\/span><\/p>\n<p><span>Son <\/span><span>olarak<\/span><span>, s<\/span><span>igorta \u015firketlerinin, sat\u0131c\u0131\/m\u00fcteahhit \u00fczerinde yapaca\u011f\u0131 risk de\u011ferlendirmesi ile projeye idari, teknik ve finansal risk denetimi sa\u011flan<\/span><span>mas\u0131<\/span> <span>sonucu <\/span><span>sigortan\u0131n risk y\u00f6net<\/span><span>im fonksiyonu da devreye sokularak,<\/span> <span>in\u015faat sekt\u00f6r\u00fcnde ikincil bir denetim mekanizmas\u0131 yarat\u0131ld\u0131<\/span><span>. <\/span><span>B\u00f6ylece, kentsel d\u00f6n\u00fc\u015f\u00fcm ve \u00f6<\/span><span>n \u00f6demeli konut sat\u0131\u015f projeleri ba\u015fta olmak \u00fczere t\u00fcm in\u015faat projelerin<\/span><span>de<\/span><span> ya\u015fanan ma\u011fduriyetlerin \u00f6n\u00fcne ge\u00e7ilmesi <\/span><span>konusunda \u00f6nemli bir ad\u0131m at\u0131ld\u0131. <\/span><\/p>\n\n<p><\/p>\n<p>Kaynak :\u00a0<span style=\"background-color: rgb(255, 249, 236); color: rgb(55, 58, 60); font-size: 14px;\">Bloomberg HT<\/span><\/p>\n<p><span style=\"display: block; width: 343.125px; color: rgb(55, 58, 60); font-size: 14px; background-color: rgb(255, 249, 236);\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2015 y\u0131l\u0131ndan bu yana uygulanmakta olan bina tamamlama sigortas\u0131n\u0131n kapsam\u0131 geni\u015fletildi ve i\u015fleyi\u015finde \u00f6nemli de\u011fi\u015fikliklere gidildi.<\/p>\n","protected":false},"author":1,"featured_media":25706,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[393,1634,1610],"class_list":["post-25705","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-konut","tag-sahipleri","tag-teminat"],"_links":{"self":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/25705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/comments?post=25705"}],"version-history":[{"count":1,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/25705\/revisions"}],"predecessor-version":[{"id":25707,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/posts\/25705\/revisions\/25707"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media\/25706"}],"wp:attachment":[{"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/media?parent=25705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/categories?post=25705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ekamu.net\/index.php\/wp-json\/wp\/v2\/tags?post=25705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}