{"id":302,"date":"2020-09-01T21:53:25","date_gmt":"2020-09-01T18:53:25","guid":{"rendered":"http:\/\/tasarrufdelileri.com\/?p=302"},"modified":"2026-03-07T18:50:57","modified_gmt":"2026-03-07T15:50:57","slug":"borclanma-da-bir-tasarruf-turu-olabilir-mi","status":"publish","type":"post","link":"https:\/\/fonanalizi.com\/?p=302","title":{"rendered":"Bor\u00e7lanma, bir tasarruf t\u00fcr\u00fc de olabilir mi?"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\">Hangi \u015fartlarda bor\u00e7lanma?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Hayat\u0131n finansal ger\u00e7ekleri etkisini, kimimiz i\u00e7in bazen, kimimiz i\u00e7in \u00e7o\u011fu zaman, kimimiz i\u00e7in ise her zaman hissettirir. Bu zorlay\u0131c\u0131 etkiyi, hayat\u0131 s\u00fcrd\u00fcrebilmek i\u00e7in bor\u00e7lanmak zorunda kald\u0131\u011f\u0131m\u0131zda da hissederiz. Bazen eme\u011fimizle yaratt\u0131\u011f\u0131m\u0131z maddi de\u011fer yetersiz kal\u0131r, bor\u00e7lan\u0131r\u0131z&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Son 20 y\u0131ll\u0131k d\u00f6nem ; \u00f6zellikle bireylerin artan \u00f6l\u00e7\u00fcde bor\u00e7lanmas\u0131yla, bor\u00e7lanarak ev, araba gibi de\u011ferlere ula\u015fabilir hale gelmesiyle ge\u00e7ti. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Haf\u0131zalarda halen taze, pandeminin y\u0131k\u0131c\u0131 ekonomik etkisini hafifletebilmek amac\u0131yla \u00fclkemiz ekonomi y\u00f6netiminin kriz \u00f6nleme se\u00e7eneklerinden biri de, ucuz maliyetle kredi imkan\u0131 tan\u0131yarak, vatanda\u015f\u0131n \u00fczerindeki ekonomik \u015foku azaltmaya y\u00f6nelik bir di\u011fer bor\u00e7lanma modeliydi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hepimiz biliriz, Amerikan ya\u015fam bi\u00e7iminin film ve dizilere yans\u0131yan sert ger\u00e7ekliklerinden biri, kahramanlar\u0131n\u0131n y\u0131llar boyu hay\u0131flanarak \u00f6dedi\u011fi mortgage taksitleridir. Amerikan alt\/orta s\u0131n\u0131f\u0131, sorumluluklar\u0131ndan ve hayatlar\u0131ndaki bask\u0131lardan bahsederken ilk bu \u00f6rne\u011fi verirler filmlerde; mortgage sahibi olmay\u0131&#8230;Ki oradaki faizlerin seviyesi bizimkilerin yan\u0131nda gayet d\u00fc\u015f\u00fckt\u00fcr ve vadeler de 30 y\u0131llara kadar yay\u0131l\u0131r. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"468\" height=\"371\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-7.png?w=468\" alt=\"\" class=\"wp-image-317\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-7.png 468w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-7-300x238.png 300w\" sizes=\"auto, (max-width: 468px) 100vw, 468px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bizde de \u00f6zellikle 2005\u2019li y\u0131llarda, d\u00fcnyan\u0131n \u015fimdikine benzer parasal bir  bolla\u015fma i\u00e7inde oldu\u011fu d\u00f6nemde %1 psikolojik s\u0131n\u0131r\u0131n\u0131n alt\u0131na inen mortgage faizleriyle ya\u015fad\u0131\u011f\u0131m\u0131z d\u00f6nemi d\u00fc\u015f\u00fcn\u00fcn. Para, o kadar \u00e7oktu ki d\u00fcnyada; ucuzlayan kredi maliyetleri, d\u00fcnyadaki trende benzer \u015fekilde \u00fclkemizde de bor\u00e7lanmayla bir \u015feylere sahip olma d\u00f6neminin kap\u0131lar\u0131n\u0131 a\u00e7t\u0131. \u0130nsanlar mortgage kredileriyle evler, ta\u015f\u0131t kredileriyle otomobiller ve t\u00fcketici kredileriyle t\u00fcrl\u00fc t\u00fcrl\u00fc teknolojik \u00fcr\u00fcnler, tatiller ald\u0131lar. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"520\" height=\"315\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-3.png?w=520\" alt=\"\" class=\"wp-image-311\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-3.png 520w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-3-300x182.png 300w\" sizes=\"auto, (max-width: 520px) 100vw, 520px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Asl\u0131na bakarsan\u0131z hayat t\u00fcketmekten de\u011fil, tasarruftan ibaret, hepimiz tasarrufla ilgili ayd\u0131nlanmaya var\u0131yoruz g\u00fcn\u00fcn birinde&#8230; \u00d6yle ya da b\u00f6yle&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu ayd\u0131nlanmaya hayatlar\u0131n\u0131n erken d\u00f6nemlerinde varanlar ya zengin, ya &#8216;finansal \u00f6zg\u00fcr&#8217; oluyor.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"521\" height=\"315\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-5.png?w=521\" alt=\"\" class=\"wp-image-315\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-5.png 521w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-5-300x181.png 300w\" sizes=\"auto, (max-width: 521px) 100vw, 521px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8216;Ke\u015fke tasarruf etseydim&#8217; pi\u015fmanl\u0131\u011f\u0131n\u0131n arka plan\u0131nda, d\u00fcnyadaki parasal bolla\u015fman\u0131n pompalad\u0131\u011f\u0131 t\u00fcketim \u00e7\u0131lg\u0131nl\u0131\u011f\u0131 yer al\u0131yor ve bunun finans sistemiyle desteklenen sihirli s\u00f6zc\u00fc\u011f\u00fc ise \u015fu oluyor, ucuz para&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130\u015fim gere\u011fi, insanlar\u0131n bor\u00e7lanma taleplerini de\u011ferlendiren sacayaklar\u0131ndan biriyim. Finansal okuryazarl\u0131kla ilgili olarak finans profesyonellerinin ba\u015flatt\u0131\u011f\u0131 g\u00f6n\u00fcll\u00fc organizasyonlar, bilin\u00e7lendirme faaliyetleri, kamu spotlar\u0131 vb bir\u00e7ok bilgi ak\u0131\u015f\u0131na ra\u011fmen, insanlar\u0131n d\u0131\u015f finans kayna\u011f\u0131na, yani al\u0131\u015f\u0131lm\u0131\u015f dille <strong>borca<\/strong> ula\u015fma \u00e7abas\u0131, rasyonellikten y\u0131llard\u0131r uzakla\u015fm\u0131\u015ft\u0131 ve bu g\u00fc\u00e7l\u00fc e\u011filim maalesef her ge\u00e7en g\u00fcn daha da derinle\u015ferek devam ediyor&#8230; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Findeks giri\u015fimi, t\u00fcketici kanununda yap\u0131lan de\u011fi\u015fiklikler ve finansal okuryazarl\u0131kla ilgili t\u00fcm \u00e7abalara ra\u011fmen halen insanlar\u0131m\u0131zda kontrols\u00fcz ve <strong>ihtiyaca de\u011fil, &#8216;isteklere&#8217; y\u00f6nelik <\/strong>anlams\u0131z t\u00fcketim \u00e7abalar\u0131 g\u00f6zlemliyorum&#8230;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"329\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/img_6143.jpg?w=750\" alt=\"\" class=\"wp-image-325\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/img_6143.jpg 750w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/img_6143-300x132.jpg 300w\" sizes=\"auto, (max-width: 750px) 100vw, 750px\" \/><figcaption class=\"wp-element-caption\">Sms ile kredi ba\u015fvurusu \u00e7ok \u2018ula\u015f\u0131labilir\u2019 bir y\u00f6ntem art\u0131k&#8230;<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Krediye ba\u015fvuran insanlar\u0131n bir hafta gibi k\u0131sa bir s\u00fcre i\u00e7inde on tane bankaya ayr\u0131 ayr\u0131 ba\u015fvuru yapt\u0131\u011f\u0131n\u0131, hepsinin reddoldu\u011funu bile bile onbirinci bankaya ba\u015fvurmaktan geri durmad\u0131\u011f\u0131n\u0131 izliyorum. Ve bu durum beni a\u015fa\u011f\u0131daki soruya g\u00f6t\u00fcr\u00fcyor.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bor\u00e7lanma eylemi, hangi noktada rasyonellikten uzakla\u015f\u0131r? <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Kendi halinde bir ya\u015fam\u0131, orta halli bir \u00e7evresi, yine orta halli bir evde kirac\u0131, evli &amp; \u00e7ocuklu bir aile d\u00fc\u015f\u00fcn\u00fcn. Vergisini \u00f6d\u00fcyor, kanunlara uyuyor, toplumla uyumlu ve toplumu daha ya\u015fan\u0131r k\u0131lan davran\u0131\u015flar sergileyen iyi bir aile&#8230; Parasal maliyetlerin ucuzlamas\u0131 sayesinde bor\u00e7lanarak ev almak istiyorlar&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fakat bu b\u00fcy\u00fck karar\u0131n sonu\u00e7lar\u0131na maruz kalmadan \u00f6nce, kendi hayat anlay\u0131\u015f\u0131ylar\u0131yla ilgili olarak ortak bir almak zorundalar. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On y\u0131l boyunca taksit \u00f6deyebilmek i\u00e7in nas\u0131l bir zihinsel haz\u0131rl\u0131k yapmal\u0131? Bu haz\u0131rl\u0131ktan aileye d\u00fc\u015fen pay ne? Bu uzun vadeli bor\u00e7lanma, \u00f6deme s\u00fcresince onlar\u0131 madden k\u00f6\u015feye s\u0131k\u0131\u015ft\u0131racak bir pranga m\u0131 olacak, yoksa ilk bir ka\u00e7 y\u0131l ge\u00e7tikten sonra &#8216;nas\u0131l \u00f6dediklerini anlamadan&#8217; bitip gidecek bir yat\u0131r\u0131m f\u0131rsat\u0131 m\u0131?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bor\u00e7lanma da t\u0131pk\u0131 tasarruf gibi planl\u0131 ya\u015famay\u0131, ihtiya\u00e7lar\u0131 isteklerin \u00f6n\u00fcne almay\u0131 gerektiren bir ya\u015fam bi\u00e7imidir bana sorarsan\u0131z&#8230; Bor\u00e7lanma ile tasarruf kavramlar\u0131n\u0131n davran\u0131\u015f kal\u0131plar\u0131, \u015fa\u015f\u0131rt\u0131c\u0131 bi\u00e7imde birbirine benziyor. Bor\u00e7lanma da t\u0131pk\u0131 tasarruf gibi disiplin, planlama ve sab\u0131r gerektirir, zordur&#8230;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"530\" height=\"394\" src=\"https:\/\/tasarrufdelileri.wordpress.com\/wp-content\/uploads\/2020\/09\/image-9.png?w=530\" alt=\"\" class=\"wp-image-322\" srcset=\"https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-9.png 530w, https:\/\/fonanalizi.com\/wp-content\/uploads\/2020\/09\/image-9-300x223.png 300w\" sizes=\"auto, (max-width: 530px) 100vw, 530px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bir bor\u00e7lanmaya girdi\u011finizde, her ay b\u00fct\u00e7enizden ay\u0131rmak zorunda oldu\u011funuz taksitten artakalanla ge\u00e7inmek zorunda oldu\u011funuz i\u00e7in, hesaplama yapmak zorundas\u0131n\u0131z. Kredi taksitlerinizi geciktiremezsiniz, sorumlu ya\u015famay\u0131 ve davranmay\u0131 \u00f6\u011frenmeniz ve b\u0131kmadan bunu uygulaman\u0131z gerekecektir. Zaten bir s\u00fcre sonra bunlar, bir al\u0131\u015fkanl\u0131k setine d\u00f6n\u00fc\u015fecek, hayat felsefenizin merkezinde yer edecektir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bor\u00e7lanma ile bir \u015feyler edinmek, d\u00fczenli geliri en kritik konu haline getirece\u011fi i\u00e7in, i\u015finize daha s\u0131k\u0131 sar\u0131lman\u0131z\u0131 sa\u011flayabilir, baz\u0131 durumlarda i\u015f performans\u0131n\u0131z\u0131n artmas\u0131na yol a\u00e7acak olumlu ekstralar bile ya\u015fatabilir. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Bor\u00e7lanma ve tasarrufun \u015fa\u015f\u0131rt\u0131c\u0131 ortakl\u0131\u011f\u0131<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Hayat\u0131m\u0131z\u0131n d\u00f6ng\u00fcs\u00fcnde bir bi\u00e7imde bor\u00e7lanmaya giriyoruz. \u00d6nemli olan bunu verimsiz bir sarmalda ya\u015famak i\u00e7in de\u011fil, sonucunda somut maddi de\u011ferlere ula\u015ft\u0131ran s\u00fcre\u00e7lerde kullanabilmek&#8230; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Geli\u015fmi\u015f \u00fclkelerde alt\/orta s\u0131n\u0131f\u0131n tasarruf yapabilme yollar\u0131ndan en \u00f6nemlisi bor\u00e7lanma&#8230; Ayl\u0131k \u00fccretlerle ula\u015f\u0131lamayacak varl\u0131klar\u0131 uzun vadeli bor\u00e7lanmayla alabiliyor insanlar&#8230;\u00dclkemizde de durum farkl\u0131 de\u011fil. \u00dcstelik bizde baz \u00fccretler Avrupa&#8217;daki e\u015fde\u011ferlerinin \u00e7ok daha alt\u0131nda. Konut &amp; ta\u015f\u0131t gibi varl\u0131klar\u0131n fiyatlar\u0131 d\u00f6viz kuruna \u00e7ok ba\u011f\u0131ml\u0131 ve \u00fclke olarak kur riskini her daim ya\u015f\u0131yoruz. \u00d6zetle bizim i\u015fimiz her zaman daha zor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak planl\u0131, sab\u0131rl\u0131 ve ihtiya\u00e7lara \u00f6ncelik veren rasyonel bir \u00e7izgide olursan\u0131z, her \u015fey m\u00fcmk\u00fcn.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tasarruf kavram\u0131n\u0131 hayat\u0131n\u0131z\u0131n merkezine yerle\u015ftirdi\u011finizde, bor\u00e7lanma ehliyeti denen ve modern d\u00fcnyada de\u011fer verilen \u00e7ok \u00f6nemli bir kazan\u0131m\u0131 beraberinizde ta\u015f\u0131m\u0131\u015f oluyorsunuz ve bu kazan\u0131m, ev sahibi olmak gibi, belki de on y\u0131l sonra ula\u015fabilece\u011finiz bir refah seviyesini getirip kredi mekanizmas\u0131yla bug\u00fcnden \u00f6n\u00fcn\u00fcze koyuyor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evet, bor\u00e7lanarak da tasarruf yap\u0131labilir, yeter ki planlaman\u0131z\u0131 do\u011fru yap\u0131n, ad\u0131mlar\u0131n\u0131z\u0131 do\u011fru at\u0131n&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sa\u011fl\u0131kla kal\u0131n&#8230;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hangi \u015fartlarda bor\u00e7lanma? Hayat\u0131n finansal ger\u00e7ekleri etkisini, kimimiz i\u00e7in bazen, kimimiz i\u00e7in \u00e7o\u011fu zaman, kimimiz i\u00e7in ise her zaman hissettirir. Bu zorlay\u0131c\u0131 etkiyi, hayat\u0131 s\u00fcrd\u00fcrebilmek i\u00e7in bor\u00e7lanmak zorunda kald\u0131\u011f\u0131m\u0131zda da&hellip;<\/p>\n","protected":false},"author":1,"featured_media":306,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[16,34],"class_list":["post-302","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-borclanma","tag-tasarruf"],"_links":{"self":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/302","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=302"}],"version-history":[{"count":1,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/302\/revisions"}],"predecessor-version":[{"id":4175,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/posts\/302\/revisions\/4175"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=\/wp\/v2\/media\/306"}],"wp:attachment":[{"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=302"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=302"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fonanalizi.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=302"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}