{"id":3529,"date":"2026-10-28T19:03:06","date_gmt":"2026-10-28T17:03:06","guid":{"rendered":"https:\/\/www.praksis.org\/makale\/2000li-yillarda-turkiyede-hanehalki-borclanmasi-konut-kredileri-ve-toplumsal-refah\/"},"modified":"2026-10-28T21:11:58","modified_gmt":"2026-10-28T19:11:58","slug":"2000li-yillarda-turkiyede-hanehalki-borclanmasi-konut-kredileri-ve-toplumsal-refah","status":"publish","type":"praksis_makale","link":"https:\/\/www.praksis.org\/en\/makale\/2000li-yillarda-turkiyede-hanehalki-borclanmasi-konut-kredileri-ve-toplumsal-refah\/","title":{"rendered":"2000&#8217;li Y\u0131llarda T\u00fcrkiye&#8217;de Hanehalk\u0131 Bor\u00e7lanmas\u0131: Konut Kredileri ve Toplumsal Refah"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>2000&#8217;li y\u0131larda T\u00fcrkiye ekonomisindeki b\u00fcy\u00fcme hedefi, k\u0131sa vadeli bor\u00e7lanmaya bag\u0131ml\u0131 bir yap\u0131ya b\u00fcr\u00fcnd\u00fck\u00e7e, faiz oranlar\u0131 kars\u0131s\u0131nda artan k\u0131r\u0131lganl\u0131k, cari a\u00e7\u0131g\u0131n y\u00fckselmesi ile bor\u00e7lanma d\u00f6ng\u00fcs\u00fc i\u00e7ine \u00e7ekilen bir bor\u00e7lanma ekonomisinden bahsetmeyi olanakl\u0131 k\u0131lmaktad\u0131r. T\u00fcrkiye&#8217;nin b\u00fcy\u00fcme dinamikleri i\u00e7inde \u00f6nemli pay\u0131 olan konut sekt\u00f6r\u00fcn\u00fcn bor\u00e7lanma i\u00e7indeki pay\u0131nda art\u0131s yasanmaktad\u0131r. T\u00fcrkiye&#8217;de uygulanan s\u0131k\u0131 maliye politikas\u0131 uygulamalar\u0131 ile kontrol alt\u0131na al\u0131nan faiz oran\u0131, \u00f6zellikle konut sekt\u00f6r\u00fcne y\u00f6nelen yat\u0131r\u0131mlarda art\u0131s yaratmaktad\u0131r. Konut sekt\u00f6r\u00fcndeki bor\u00e7lanma mekanizmas\u0131nda yasanan degisim, gelir dag\u0131l\u0131m\u0131 \u00fczerinde \u00f6nemli etkilere sahip olmakta ve hanehalk\u0131 bor\u00e7lar\u0131n\u0131n artan oranlar\u0131, T\u00fcrkiye&#8217;de kapitalizmin ekonomik b\u00fcy\u00fcme hedefinin bor\u00e7lanma iliskisine dayal\u0131 yap\u0131s\u0131n\u0131 analiz edebilmek a\u00e7\u0131s\u0131ndan \u00f6nemli ipu\u00e7lar\u0131n\u0131 i\u00e7inde bar\u0131nd\u0131rmaktad\u0131r.Bu \u00e7al\u0131smada hedeflenen, T\u00fcrkiye&#8217;de 2000&#8217;li y\u0131llar boyunca konut sekt\u00f6r\u00fcnde hanehalk\u0131n\u0131n kredi mekanizmas\u0131 ile bor\u00e7lanmas\u0131n\u0131n gelir dag\u0131l\u0131m\u0131 a\u00e7\u0131s\u0131ndan yaratt\u0131g\u0131 sonu\u00e7lar\u0131n ortaya konulmas\u0131d\u0131r. Bor\u00e7lanma olgusu kamu a\u00e7\u0131s\u0131ndan b\u00fcy\u00fcmenin temel dinamigi oldugu oranda hanehalklar\u0131 a\u00e7\u0131s\u0131ndan konut piyasas\u0131nda artan bor\u00e7land\u0131r\u0131lma egilimi ile gelir dag\u0131l\u0131m\u0131n\u0131 yeniden d\u00fczenleyen bir mekanizma haline de gelmektedir. \u00d6zellikle finansallasma, yaratt\u0131g\u0131 bor\u00e7 ekonomileri ile toplumsal refah a\u00e7\u0131s\u0131ndan \u00e7ok daha dogrudan ve \u00f6nemli sonu\u00e7lar yaratmaktad\u0131r.<\/p>\n","protected":false},"template":"","praksis_konu":[81,453],"praksis_yazar":[651],"praksis_anahtar":[],"class_list":["post-3529","praksis_makale","type-praksis_makale","status-publish","hentry","praksis_konu-iktisat","praksis_konu-saglik","praksis_yazar-basak-erguder"],"_links":{"self":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale\/3529","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale"}],"about":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/types\/praksis_makale"}],"version-history":[{"count":1,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale\/3529\/revisions"}],"predecessor-version":[{"id":4340,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale\/3529\/revisions\/4340"}],"wp:attachment":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/media?parent=3529"}],"wp:term":[{"taxonomy":"praksis_konu","embeddable":true,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_konu?post=3529"},{"taxonomy":"praksis_yazar","embeddable":true,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_yazar?post=3529"},{"taxonomy":"praksis_anahtar","embeddable":true,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_anahtar?post=3529"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}