{"id":3306,"date":"2019-05-07T10:45:55","date_gmt":"2019-05-07T10:45:55","guid":{"rendered":"https:\/\/www.investaz.com.tr\/blog\/?p=3306"},"modified":"2023-08-16T12:07:16","modified_gmt":"2023-08-16T12:07:16","slug":"gayrimenkul-mu-mevduat-mi-finans-piyasalari-mi","status":"publish","type":"post","link":"https:\/\/www.investaz.com.tr\/blog\/gayrimenkul-mu-mevduat-mi-finans-piyasalari-mi\/","title":{"rendered":"Gayrimenkul m\u00fc? Mevduat m\u0131? Finans Piyasalar\u0131 m\u0131?"},"content":{"rendered":"\n

\u0130nsanlar kazan\u00e7lar\u0131n\u0131 korumak ve kendilerine ek gelir sa\u011flamak i\u00e7in bir\u00e7ok yat\u0131r\u0131m arac\u0131n\u0131 kullan\u0131rlar. \u00dclkemizde en \u00e7ok ra\u011fbet g\u00f6ren yat\u0131r\u0131m ise genellikle gayrimenkul veya bir bankada vadeli mevduat hesap se\u00e7ene\u011fidir. Borsa , forex ve viop taraf\u0131nda yat\u0131r\u0131m yapmak risk unsurlar\u0131 i\u00e7erdi\u011fi i\u00e7in ve i\u015flemlerin nas\u0131l yap\u0131ld\u0131\u011f\u0131n\u0131 konusunda \u00e7ok bilgi sahip olunmad\u0131\u011f\u0131 i\u00e7in yat\u0131r\u0131mc\u0131lar bu yat\u0131r\u0131m kolunu genelde en son s\u0131rada tutar.
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Yat\u0131r\u0131m\u0131n amac\u0131 paran\u0131za de\u011fer kazand\u0131rmak , kendinize bir ek gelir getirmek ve en \u00f6nemlisi de istedi\u011finiz anda nakit ihtiyac\u0131n\u0131z\u0131 kar\u015f\u0131layabilmektir. Yat\u0131r\u0131m yaparken bu \u00fc\u00e7 temel unsurun kesi\u015fti\u011fine dikkat etmelisiniz.
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Gayrimenkul<\/strong>
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Gayrimenkul<\/strong><\/figcaption><\/figure>\n\n\n\n

Geleneksel yat\u0131r\u0131m ara\u00e7lar\u0131ndan biri olan gayrimenkulde son y\u0131llarda in\u015faat sekt\u00f6r\u00fcndeki h\u0131zl\u0131 b\u00fcy\u00fcme ve bankalar\u0131n kredi olanaklar\u0131n\u0131 kolayla\u015ft\u0131rmas\u0131 sonras\u0131nda b\u00fcy\u00fck bir  art\u0131\u015f oldu. Ancak kazanc\u0131n\u0131z\u0131 korumak ya da ek gelir sa\u011flamak i\u00e7in gayrimenkule yat\u0131r\u0131m yaparsan\u0131z bazen istedi\u011finiz verimi alamazs\u0131n\u0131z. Bir gayrimenkul almak i\u00e7in belli bir miktar para biriktirmeniz gerekebilir. Bu paray\u0131 kenara koydu\u011funuz s\u00fcre i\u00e7erisinde paran\u0131z enflasyon kar\u015f\u0131s\u0131nda s\u00fcrekli de\u011fer kaybedecek ve sizin hedefinizdeki miktara ula\u015fma yolunuzu uzatacakt\u0131r. Birikiminizi yapt\u0131n\u0131z ve diyelim ki bir gayrimenkul almaya karar verdiniz. E\u011fer siz ayl\u0131k gelirinizin yan\u0131nda ihtiya\u00e7lar\u0131n\u0131z\u0131 kar\u015f\u0131lamak i\u00e7in ek gelir elde etmek istiyorsan\u0131z gayrimenkul yat\u0131r\u0131m\u0131 sizin i\u00e7in \u00e7ok uygun olmayabilir. Di\u011fer taraftan yat\u0131r\u0131mc\u0131 oldu\u011funuzu d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z piyasada f\u0131rsatlar\u0131 elinizden ka\u00e7\u0131rmak istemezsiniz. Bu y\u00fczden elinizdeki yat\u0131r\u0131m arac\u0131n\u0131n siz istedi\u011finiz an nakit kar\u015f\u0131l\u0131\u011f\u0131n\u0131 bulmak zorundas\u0131n\u0131zd\u0131r. Gayrimenkul yat\u0131r\u0131mlar\u0131 nakit kar\u015f\u0131l\u0131\u011fa \u00e7evrilmesi en uzun s\u00fcren yat\u0131r\u0131m kollar\u0131ndan oldu\u011fu i\u00e7in f\u0131rsatlar\u0131 de\u011ferlendirmek isteyen yat\u0131r\u0131mc\u0131lar taraf\u0131ndan tercih edilmez.
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Gayrimenkul avantajlar\u0131ndan olan kira getirisi ve s\u00fcrekli de\u011fer kazanmas\u0131 gibi \u00f6nemli fakt\u00f6rler de bir yat\u0131r\u0131mc\u0131 i\u00e7in her zaman istenileni vermeyebilir. Bazen bir gayrimenkul\u00fc nakit s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131n\u0131z\u0131 hemen gidermek i\u00e7in fiyat de\u011ferinin \u00e7ok alt\u0131nda  satabilirsiniz. Bu el etti\u011finiz kira geliri ve de\u011fer kazanma avantajlar\u0131n\u0131 bir anda elinizden alabilir. Gayrimenkul al\u0131m\u0131n\u0131n pahal\u0131 oldu\u011fu ve kredi maliyetlerinin \u015fu an i\u00e7in y\u00fcksek oldu\u011fu \u00fclkemizde ana paran\u0131z ile yat\u0131r\u0131m\u0131n di\u011fer ara\u00e7lar\u0131n\u0131 kullanarak daha fazla kazan\u00e7 elde edebilirsiniz.
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Banka Vadeli Mevduat Hesab\u0131<\/strong>
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\"\"
Banka Vadeli Mevduat Hesab\u0131<\/strong><\/figcaption><\/figure>\n\n\n\n

\u00dclkemizde insanlar\u0131n birikimlerini koruyabilece\u011fini ve ek kazan\u00e7 elde edebilece\u011fini d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fc bir di\u011fer yat\u0131r\u0131m kolu da Vadeli Mevduat Hesaplar\u0131d\u0131r. Vadeli Mevduat Hesab\u0131, bankalara belirli bir s\u00fcre kar\u015f\u0131l\u0131\u011f\u0131nda paran\u0131z\u0131 yine bankan\u0131n belirledi\u011fi faiz kar\u015f\u0131l\u0131\u011f\u0131nda yani vade sonunda anapara+faiz \u015feklinde alma s\u00f6z\u00fcyle bankaya teslim etmektir. \u00dclkemizdeki banka vadeli mevduat s\u00fcreleri ortalama 40 g\u00fcn \u015feklindedir. Yani siz bankaya paran\u0131z\u0131 minimum 40 g\u00fcn boyunca almama s\u00f6z\u00fcyle teslim edersiniz. Bankada yat\u0131r\u0131mc\u0131lardan toplad\u0131\u011f\u0131 bu miktarlar ile piyasada i\u015flemler yaparak paran\u0131z\u0131 i\u015fletmi\u015f olur. 40. G\u00fcn\u00fcn sonunda ise anapara ve anapara \u00fczerinden kazand\u0131\u011f\u0131n\u0131z faiz ile hesab\u0131n\u0131za paray\u0131 yat\u0131r\u0131r. Bak\u0131ld\u0131\u011f\u0131nda \u015fartlar\u0131n gayet g\u00fczel gibi g\u00f6z\u00fckt\u00fc\u011f\u00fc bu yat\u0131r\u0131m kolunda gayrimenkulde oldu\u011fu gibi istedi\u011finiz verimi alamayabilirsiniz.E\u011fer yat\u0131r\u0131m amac\u0131n\u0131z paran\u0131za de\u011fer kazand\u0131rmak ise vadeli mevduat hesab\u0131nda bu \u00e7ok m\u00fcmk\u00fcn olmayabilir. \u00c7\u00fcnk\u00fc bankalar\u0131n size verdi\u011fi faiz oran\u0131 genellikle \u00fclke enflasyonu ile yak\u0131ndan ili\u015fkilidir. Para politikas\u0131 gere\u011fi \u00fclkede enflasyon y\u00fckseldik\u00e7e faiz oranlar\u0131nda da y\u00fckselme g\u00f6r\u00fcl\u00fcr. Bu durumda bankaya yat\u0131rd\u0131\u011f\u0131n\u0131z paran\u0131zla o an alabilece\u011finiz mal ve hizmeti vade sonunda da ayn\u0131 kar\u015f\u0131l\u0131\u011f\u0131 \u00f6deyerek alabilirsiniz. Kazan\u00e7 gibi g\u00f6r\u00fcnm\u00fc\u015f olan bu yat\u0131r\u0131m da sadece nominal bir de\u011fi\u015fim s\u00f6z konusu olacakt\u0131r. \u015eu an bankalarda vadeli hesaplarda faiz oranlar\u0131 %20 ile %23 aras\u0131 de\u011fi\u015firken enflasyon oran\u0131 ise %19,50 civar\u0131ndad\u0131r. Yani yat\u0131r\u0131mdan kazanaca\u011f\u0131n\u0131z % 0,50 ve % 3,50 \u015feklinde de\u011fi\u015fim g\u00f6sterecektir. Bir di\u011fer dezavantaj ise vade sonuna kadar beklemeden paran\u0131z\u0131 almak istedi\u011finizde vade bozulaca\u011f\u0131 i\u00e7in faiz getirisinden mahrum kalm\u0131\u015f olacaks\u0131n\u0131z. Yani nakit paran\u0131z\u0131 istedi\u011finiz zaman kullanamam\u0131\u015f , kullanmak istedi\u011finiz takdirde ise ge\u00e7en s\u00fcrede kazand\u0131\u011f\u0131n\u0131z\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz geliri elde edememi\u015f olacaks\u0131n\u0131z.
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Yat\u0131r\u0131m Ara\u00e7lar\u0131: Borsa, Viop, Fx <\/strong>
<\/h3>\n\n\n\n
\"\"
Borsa, Viop, Fx <\/strong><\/figcaption><\/figure>\n\n\n\n

Yat\u0131r\u0131m kollar\u0131 aras\u0131nda olan bu yat\u0131r\u0131m ara\u00e7lar\u0131 asl\u0131nda en \u00e7ok getiri sa\u011flayan ve yat\u0131r\u0131m amac\u0131n\u0131n \u00fc\u00e7 temel unsurunu i\u00e7inde bar\u0131nd\u0131ran tek se\u00e7enektir. Biraz u\u011fra\u015f ve bilgi isteyen bu yat\u0131r\u0131m kolu di\u011fer yat\u0131r\u0131m ara\u00e7lar\u0131na g\u00f6re daha fazla kazand\u0131rmaktad\u0131r. Ancak yat\u0131r\u0131mc\u0131lar hem piyasa i\u015fleyi\u015finden \u00e7ekindi\u011fi i\u00e7in hem de kazan\u00e7 miktarlar\u0131n\u0131n o kadar y\u00fcksek olaca\u011f\u0131na ihtimal vermedi\u011fi i\u00e7in bu se\u00e7ene\u011fi \u00e7ok fazla de\u011ferlendirmezler.Borsa taraf\u0131nda yat\u0131r\u0131m yapt\u0131\u011f\u0131n\u0131zda biraz \u00f6nce yukar\u0131da bahsetti\u011fimiz %0,50-3,50 oran\u0131ndaki de\u011fi\u015fimi g\u00fcn i\u00e7erisinde hisse senedi i\u015flemlerinde yakalayabilirsiniz.Ayl\u0131k bazda bak\u0131ld\u0131\u011f\u0131nda ise banka vadeli mevduat\u0131na g\u00f6re getiri olduk\u00e7a y\u00fcksek olacakt\u0131r. Viop-Fx taraf\u0131nda iki y\u00f6nl\u00fc i\u015flem se\u00e7ene\u011fini ve kald\u0131ra\u00e7 \u00f6zelli\u011finden yararlanarak da di\u011fer yat\u0131r\u0131m kollar\u0131ndan daha fazla kazan\u00e7  sa\u011flamak m\u00fcmk\u00fcn.B\u00f6ylece yat\u0131r\u0131m\u0131n ilk amac\u0131 olan paran\u0131za de\u011fer kazand\u0131rma hedefini ger\u00e7ekle\u015ftirmi\u015f olursunuz. G\u00fcnl\u00fck al\u0131m-sat\u0131mlar ile elde etti\u011finiz kazan\u00e7lar ikinci hedef olan ek gelir konusunda size yard\u0131mc\u0131 olacakt\u0131r. S\u00fcrekli dinamik olan bu piyasa nakit ihtiyac\u0131n\u0131z oldu\u011funda elinizdeki yat\u0131r\u0131m \u00fcr\u00fcn\u00fcn\u00fc o anda ki sahip oldu\u011fu de\u011fer kar\u015f\u0131s\u0131nda nakite \u00e7evirebilir ba\u015fka bir yat\u0131r\u0131m i\u00e7in kullanabilirsiniz.
<\/p>\n\n\n\n

\u00d6zetle yat\u0131r\u0131m ara\u00e7lar\u0131, yat\u0131r\u0131m amac\u0131 olan \u00fc\u00e7 temel unsuru olan paran\u0131z\u0131n de\u011fer kazanmas\u0131, ek kazan\u00e7 ve nakit ihtiyac\u0131n\u0131za an\u0131nda kar\u015f\u0131l\u0131\u011f\u0131 hedeflerini do\u011frudan ger\u00e7ekle\u015ftirebilir.

Gayrimenkulde Sertifika Nedir?<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130nsanlar kazan\u00e7lar\u0131n\u0131 korumak ve kendilerine ek gelir sa\u011flamak i\u00e7in bir\u00e7ok yat\u0131r\u0131m arac\u0131n\u0131 kullan\u0131rlar. \u00dclkemizde en \u00e7ok ra\u011fbet g\u00f6ren yat\u0131r\u0131m ise genellikle gayrimenkul veya bir bankada vadeli mevduat hesap se\u00e7ene\u011fidir. Borsa , forex ve viop taraf\u0131nda yat\u0131r\u0131m yapmak risk unsurlar\u0131 i\u00e7erdi\u011fi i\u00e7in ve i\u015flemlerin nas\u0131l yap\u0131ld\u0131\u011f\u0131n\u0131 konusunda \u00e7ok bilgi sahip olunmad\u0131\u011f\u0131 i\u00e7in yat\u0131r\u0131mc\u0131lar bu yat\u0131r\u0131m kolunu…<\/p>\n","protected":false},"author":1,"featured_media":3310,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[49,195,200,197,196,45,194,198,199,17],"class_list":["post-3306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-makaleler","tag-borsa","tag-faiz","tag-finans","tag-gayrimenkul","tag-gelir","tag-hisse","tag-insaat-sektoru","tag-mevudat","tag-viop","tag-yatirim"],"_links":{"self":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=3306"}],"version-history":[{"count":4,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3306\/revisions"}],"predecessor-version":[{"id":4561,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/posts\/3306\/revisions\/4561"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/media\/3310"}],"wp:attachment":[{"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=3306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=3306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investaz.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=3306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}