{"id":182,"date":"2025-07-21T12:00:00","date_gmt":"2025-07-21T09:00:00","guid":{"rendered":"https:\/\/mulktakibi.com\/blog\/?p=182"},"modified":"2025-07-21T10:42:10","modified_gmt":"2025-07-21T07:42:10","slug":"konut-satin-alirken-karsilasabileceginiz-maliyetler","status":"publish","type":"post","link":"https:\/\/mulktakibi.com\/blog\/konut-satin-alirken-karsilasabileceginiz-maliyetler\/","title":{"rendered":"Konut Sat\u0131n Al\u0131rken Kar\u015f\u0131la\u015fabilece\u011finiz Maliyetler"},"content":{"rendered":"\n

Konut sat\u0131n al\u0131rken<\/strong>, sat\u0131n alma i\u015fleminin her a\u015famas\u0131nda kar\u015f\u0131n\u0131za pek \u00e7ok farkl\u0131 ek maliyet \u00e7\u0131kabilir. Hayalinizdeki evi sat\u0131n alma s\u00fcreci hayat\u0131n\u0131z\u0131n en \u00f6nemli yat\u0131r\u0131mlar\u0131ndan birisi olarak g\u00f6r\u00fclebilir. Konu sat\u0131n alma s\u00fcreci yaln\u0131zca evin sat\u0131\u015f fiyat\u0131ndan ibaret olmamaktad\u0131r.<\/p>\n\n\n\n

Kar\u015f\u0131n\u0131za \u00e7\u0131kmas\u0131 muhtemel olan ek maliyetleri \u00f6nceden bilmek, b\u00fct\u00e7enizi daha do\u011fru planlaman\u0131za ve beklenmedik s\u00fcrprizlerle kar\u015f\u0131la\u015fman\u0131z\u0131n \u00f6n\u00fcne ge\u00e7ebilmektedir. Konut sat\u0131n al\u0131rken<\/strong> kar\u015f\u0131la\u015fabilece\u011finiz masraflar\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz:<\/p>\n\n\n\n

1- Emlak\u00e7\u0131 Komisyonu<\/h2>\n\n\n\n

Konutunuzu bir emlak\u00e7\u0131 vas\u0131tas\u0131yla ald\u0131ysan\u0131z, sat\u0131\u015f\u0131n tamamlanmas\u0131n\u0131n ard\u0131ndan emlak\u00e7\u0131ya ek bir \u00fccret \u00f6demeniz gerekir. \u00dclkemizde emlak\u00e7\u0131 komisyonu sat\u0131\u015f bedelinin %2’si + KDV olarak belirlenmi\u015ftir.<\/p>\n\n\n\n

2- Konut Kredisi Masraflar\u0131<\/h2>\n\n\n\n

Bu ek maliyet yaln\u0131zca belli bir kesim i\u00e7in ge\u00e7erlidir. Bir\u00e7ok insan konut al\u0131m\u0131 yapaca\u011f\u0131nda banka kredisine ba\u015fvurmaktad\u0131r. Konut kredisi \u00e7ekme esnas\u0131nda yaln\u0131zca faiz oran\u0131 de\u011fil, banka taraf\u0131ndan da talep edilen ek masraflar g\u00f6z \u00f6n\u00fcnde bulundurulmas\u0131 gerekmektedir. Kredi ile gelen ek maliyetler; DASK, konut sigortas\u0131, ekspertiz \u00fccreti, hayat sigortas\u0131 ve kredi tahsis \u00fccreti \u015feklindedir. Konut sigortas\u0131 DASK’a ek olarak bankalar taraf\u0131ndan istenen bir sigorta ko\u015fuludur.<\/p>\n\n\n\n

Kredi \u00e7ekmek i\u00e7in zorunlu deprem sigortas\u0131 yani DASK zorunlu tutulmaktad\u0131r. Bu maliyet yakla\u015f\u0131k 1000 TL ile 2500 TL aras\u0131nda de\u011fi\u015fiklik g\u00f6sterebilir. Banka, evin ger\u00e7ek de\u011ferini belirleme konusunda sizlerden ekspertiz raporu istemektedir. Bu raporun bedeli ise ortalama 3.500 TL ile 7.000 TL aras\u0131nda de\u011fi\u015fiklik g\u00f6stermektedir. Kredi tahsis \u00fccretinde ise \u00e7ekilen kredi miktar\u0131n\u0131n %0.5’i oran\u0131nda al\u0131nmaktad\u0131r.<\/p>\n\n\n\n

3- Tapu Harc\u0131 ve Di\u011fer Tapu \u0130\u015flemleri Gibi Maliyetler<\/h2>\n\n\n\n

Konut sat\u0131n al\u0131rken<\/strong> kar\u015f\u0131la\u015fmas\u0131 muhtemel olan masraflardan birisi de tapu harc\u0131d\u0131r. \u00dclkemizde tapu harc\u0131, konutun sat\u0131\u015f bedelinin %4’\u00fc oran\u0131nda hesaplanmakta ve genel olarak al\u0131c\u0131 ile sat\u0131c\u0131 aras\u0131nda %2 + %2 \u015feklinde da\u011f\u0131l\u0131m\u0131 yap\u0131lmaktad\u0131r. Taraflar\u0131n aras\u0131nda farkl\u0131 bir anla\u015fma mevcut de\u011filse bu oranlar tamamen al\u0131c\u0131 taraf\u0131ndan \u00f6denmektedir.<\/p>\n\n\n\n

Say\u0131labilecek di\u011fer tapu i\u015flemleri masraflar\u0131 ise d\u00f6ner sermaye bedeli ve tapu m\u00fcd\u00fcrl\u00fcklerinde yap\u0131lan ek hizmet bedelleri \u015feklindedir. D\u00f6ner sermaye bedeli yakla\u015f\u0131k olarak birka\u00e7 y\u00fcz TL civar\u0131nda olabilmektedir. \u0130lk etapta bu masraflar k\u00fc\u00e7\u00fck gibi g\u00f6r\u00fcnse de topland\u0131\u011f\u0131nda ciddi rakamlara ula\u015f\u0131labilmektedir.<\/p>\n\n\n\n

\"konut
konut sat\u0131n al\u0131rken kar\u015f\u0131lanan maliyetler<\/figcaption><\/figure>\n\n\n\n

4- Tapu Kay\u0131t \u00dccreti<\/h2>\n\n\n\n

Konutunuzu kredi ile sat\u0131n ald\u0131ysan\u0131z, banka taraf\u0131ndan konut \u00fczerine konulan ipote\u011fin tapu kayd\u0131na i\u015flenebilmesi ad\u0131na ipotek tesis \u00fccreti \u00f6demeniz gerekmektedir. Bunun yan\u0131 s\u0131ra site i\u00e7erisinde bir konut ald\u0131ysan\u0131z her ay \u00f6demeniz gereken bir aidat bulunabilir. Ayda tutarlar\u0131 genel olarak site taraf\u0131ndan apartman sakinlerine sunmu\u015f oldu\u011fu hizmetlere g\u00f6re de\u011fi\u015fiklik g\u00f6stermektedir.<\/p>\n\n\n\n

\u0130nternet ve TV abonelikleri i\u00e7in kurulum ve aktivasyon \u00fccretleri de bu \u00fccrete tabii tutulabilir. Elektrik, su ve do\u011falgaz gibi abonelikleri \u00fczerinize alaca\u011f\u0131n\u0131z da g\u00fcvence bedeli de \u00f6demeniz gerekebilmektedir.<\/p>\n\n\n\n

5- Ta\u015f\u0131nma ve Yerle\u015fme Giderleri<\/h2>\n\n\n\n

En sat\u0131n al\u0131m\u0131n\u0131 ger\u00e7ekle\u015ftirdikten sonra baz\u0131 ek masraflar g\u00fcn y\u00fcz\u00fcne \u00e7\u0131kabilmektedir. Bu masraflar genel hatlar\u0131yla ta\u015f\u0131nma, dekorasyon ve tadilat giderleri olarak s\u00f6ylenebilir. \u015eehir i\u00e7i ta\u015f\u0131ma firmas\u0131n\u0131n \u00fccreti yakla\u015f\u0131k 15.000 TL ile 30.000 TL aral\u0131\u011f\u0131ndad\u0131r. Tadilat ve boya masraflar\u0131, yeni mobilya ya da beyaz e\u015fya al\u0131m\u0131 ve apartman aidat\u0131 da say\u0131labilecek gider kalemleri i\u00e7erisindedir.<\/p>\n\n\n\n

6- Belediye Har\u00e7lar\u0131 ve Vergiler<\/h2>\n\n\n\n

Konut al\u0131m\u0131 esnas\u0131nda kar\u015f\u0131la\u015fmas\u0131 muhtemel olan vergiler aras\u0131nda emlak vergisi de bulunmaktad\u0131r. Konut sat\u0131n ald\u0131ktan sonra belediyeye bildirimde bulunarak, bu bildirimin ard\u0131ndan y\u0131ll\u0131k emlak vergisi \u00f6demeniz gerekmektedir. B\u00fcy\u00fck\u015fehirlerdeki emlak vergisi oranlar\u0131 binde 2 ve di\u011fer \u015fehirlerde binde bir oran\u0131nda olacak \u015fekilde belirtilmi\u015ftir.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"

Konut sat\u0131n al\u0131rken, sat\u0131n alma i\u015fleminin her a\u015famas\u0131nda kar\u015f\u0131n\u0131za pek \u00e7ok farkl\u0131 ek maliyet \u00e7\u0131kabilir. Hayalinizdeki evi sat\u0131n alma s\u00fcreci hayat\u0131n\u0131z\u0131n en \u00f6nemli yat\u0131r\u0131mlar\u0131ndan birisi olarak g\u00f6r\u00fclebilir. Konu sat\u0131n alma s\u00fcreci yaln\u0131zca evin sat\u0131\u015f fiyat\u0131ndan ibaret olmamaktad\u0131r. Kar\u015f\u0131n\u0131za \u00e7\u0131kmas\u0131 muhtemel olan ek maliyetleri \u00f6nceden bilmek, b\u00fct\u00e7enizi daha do\u011fru planlaman\u0131za ve beklenmedik s\u00fcrprizlerle kar\u015f\u0131la\u015fman\u0131z\u0131n \u00f6n\u00fcne ge\u00e7ebilmektedir. […]\n","protected":false},"author":2,"featured_media":184,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"yoast_head":"\nKonut Sat\u0131n Al\u0131rken Kar\u015f\u0131la\u015fabilece\u011finiz Maliyetler - M\u00fclk Takibi<\/title>\n<meta name=\"description\" content=\"Konut al\u0131m\u0131nda sadece sat\u0131\u015f bedeli de\u011fil; tapu harc\u0131, ekspertiz, DASK ve noter gibi bir\u00e7ok gizli maliyet sizi bekliyor. 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