{"id":18211,"date":"2023-10-09T12:59:50","date_gmt":"2023-10-09T12:59:50","guid":{"rendered":"https:\/\/www.konaak.com\/?p=18211"},"modified":"2026-01-11T14:40:59","modified_gmt":"2026-01-11T14:40:59","slug":"ipotekli-ev","status":"publish","type":"post","link":"https:\/\/www.konaak.com\/blog\/ipotekli-ev\/","title":{"rendered":"\u0130potekli Ev Sat\u0131l\u0131r m\u0131?"},"content":{"rendered":"\n<p>\u0130potekli ev sat\u0131l\u0131r m\u0131 sorusunun cevab\u0131, evet. \u00dczerinde ipotek bulunan evlerin al\u0131m sat\u0131m\u0131 m\u00fcmk\u00fcn. Peki, nas\u0131l? Detaylar blog yaz\u0131m\u0131zda. <\/p>\n\n\n\n<p>Gayrimenkul alma ve satma i\u015flemleriyle ilgilenen \u00e7o\u011fu insan\u0131n en \u00e7ok sorun ya\u015fad\u0131klar\u0131 alanlardan biri ipotekli ev konusu. Herhangi bir borcunuz varsa bu borcun \u00f6denece\u011fine dair bir g\u00fcvence almak i\u00e7in konutunuzun tapu siciline i\u015flenen kayda ipotek deniyor ve bu ipotek borcunuzu \u00f6dedi\u011finizde kald\u0131r\u0131l\u0131yor. <\/p>\n\n\n\n<p>Yani bir nevi m\u00fclk\u00fcn\u00fcz\u00fc borcunuz olan bankaya veya ki\u015fiye rehin olarak b\u0131rakm\u0131\u015f say\u0131l\u0131yorsunuz. E\u011fer borcunuzu \u00f6deyemeyecekseniz banka veya alacakl\u0131n\u0131n bu m\u00fclk\u00fc sat\u0131\u015fa \u00e7\u0131karma hakk\u0131 do\u011fmu\u015f oluyor. Bu yaz\u0131m\u0131zda ipotekli ev almak veya satmak isteyenlerin bilmesi gereken \u00f6nemli hususlara de\u011finece\u011fiz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kiral\u0131k Eviniz Daha \u00c7ok Kazanabilir!<\/h2>\n\n\n\n<p>Orta ve k\u0131sa d\u00f6nem ev kiralama yaparak daha \u00e7ok kira getirisi sa\u011flayabilirsiniz. Detayl\u0131 bilgi almak i\u00e7in bug\u00fcn a\u015fa\u011f\u0131daki formu doldurmay\u0131 unutmay\u0131n!<\/p>\n\n\n\n<style>\n.overlay {\n  position: fixed;\n  top: 0;\n  bottom: 0;\n  left: 0;\n  right: 0;\n  background: rgba(0, 0, 0, 0.7);\n  transition: opacity 500ms;\n  visibility: hidden;\n  opacity: 0;\n}\n.overlay:target,\n.overlay.acik {\n  visibility: visible;\n  opacity: 1;\n}\n\n.popup {\n  display: table-cell;\n  margin: 70px auto;\n  padding: 0px;\n  background: #fff;\n  width: 50%;\n  height: 70%;\n  position: relative;\n  transition: all 5s ease-in-out;\n}\n\n.popup .close {\nposition: absolute;\ntop: 20px;\nright: 30px;\ntransition: all 200ms;\nfont-size: 30px;\nfont-weight: bold;\ntext-decoration: none;\ncolor: #333;\n}\n\n#popup1 {\nz-index:100000;\n}\n\n.popup .content {\nmax-height: 70%;\noverflow: auto;\n}\n.popup-header-container{\n  height: 80px;\n  background: #FFFFFF;\n  box-shadow: 0px 0px 24px rgba(0, 0, 0, 0.06);\n  width: 100%;\n  padding: 20px;\n}\n\n@media screen and (max-width: 768px) {\n  .btn-pink-popup{\n    margin-top: 60px;\n    margin-right: 70px !important;\n    display: block;\n  }\n\n}\n\n<\/style>\n\t<div>\n    <div class=\"row align-items-center orion_contents\">\n      <div id=\"evimi_kirala\" class=\"acik col-sm-12 col-md-12 col-lg-12 pt-3\">\n        <form action=\"\" class=\"form-inline\" method=\"\" id=\"evimiKirala\">\n          <div id=\"orion_form\" class=\"form-row mb-3\">\n\n\t\t\t<div class=\"form-group col-md-3 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputName\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">Ad<\/label>\n                <input type=\"text\" class=\"form-control w-100 p-0 border-0 m-0 ml-1\" required id=\"inputName\" name=\"inputName\" placeholder=\"Ad\">\n              <\/div>\n            <\/div>\n\n            <div class=\"form-group col-md-3 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputLastname\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">Soyad<\/label>\n                <input type=\"text\" class=\"form-control w-100 p-0 border-0 m-0 ml-1\" required id=\"inputLastname\" name=\"inputLastname\" placeholder=\"Soyad\">\n              <\/div>\n            <\/div>\n\n            <div class=\"form-group col-md-3 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputEmail\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">E-Posta<\/label>\n                <input type=\"email\" class=\"form-control w-100 p-0 border-0 m-0 ml-1\" required id=\"inputEmail\" name=\"inputEmail\" placeholder=\"E-Posta\">\n              <\/div>\n            <\/div>\n\n            <div class=\"form-group col-md-3 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputPhone\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">Telefon No<\/label>\n                <input type=\"tel\" class=\"form-control w-100 p-0 border-0 m-0 ml-1\" required id=\"inputPhone\" name=\"inputPhone\" placeholder=\"Telefon No\">\n              <\/div>\n            <\/div>\n\n            <div class=\"form-group col-md-4 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputCity\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">\u0130l<\/label>\n                <select id=\"inputCity\" name=\"inputCity\" required class=\"form-control w-100 p-0 border-0 m-0\">\n                  <option value=\"\">Se\u00e7iniz<\/option>\n                  <option value=\"Istanbul\">Istanbul<\/option><option value=\"Mu\u011fla\">Mu\u011fla<\/option><option value=\"\u0130zmir\">\u0130zmir<\/option><option value=\"Sakarya\">Sakarya<\/option><option value=\"Antalya\">Antalya<\/option><option value=\"Ayd\u0131n\">Ayd\u0131n<\/option><option value=\"Bursa\">Bursa<\/option><option value=\"K\u0131br\u0131s\">K\u0131br\u0131s<\/option><option value=\"\u00c7anakkale\">\u00c7anakkale<\/option>                <\/select>\n              <\/div>\n            <\/div>\n            <div class=\"form-group col-md-4 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputDistrict\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">\u0130l\u00e7e<\/label>\n                <select id=\"inputDistrict\" name=\"inputDistrict\" required class=\"form-control w-100 p-0 border-0 m-0\">\n                  <option value=\"\">Se\u00e7iniz<\/option>\n                  <option value=\"\">---\u00d6nce il se\u00e7iniz---<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n            <div class=\"form-group col-md-4 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputNeighborhood\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">Mahalle<\/label>\n                <select id=\"inputNeighborhood\" name=\"inputNeighborhood\" required class=\"form-control w-100 p-0 border-0 m-0\">\n                  <option value=\"\">Se\u00e7iniz<\/option>\n                  <option value=\"\">---\u00d6nce il\u00e7e se\u00e7iniz---<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n\t\t\t<div class=\"form-group col-md-6 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputBuildingType\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">Hangi tipte m\u00fclke sahipsiniz?<\/label>\n                <select id=\"inputBuildingType\" name=\"inputBuildingType\" class=\"form-control w-100 p-0 border-0 m-0\" required>\n                  <option value=\"\">Se\u00e7iniz<\/option>\n                  <option value=\"bina\">Bina sahibiyim.<\/option>\n                  <option value=\"apartman\">Apartman dairem\/dairelerim var.<\/option>\n                  <option value=\"rezidans\">Rezidans dairem\/dairelerim var.<\/option>\n                  <option value=\"villa\">Villa sahibiyim.<\/option>\n                  <option value=\"mustakil\">M\u00fcstakil evim var.<\/option>\n                  <option value=\"otel\">Otel, apart, pansiyon, bungalov sahibiyim.<\/option>\n                  <option value=\"insaat\">\u0130n\u015faat \u015firketiyiz.<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"form-group col-md-6 mb-4\">\n              <div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n                <label for=\"inputNumber\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">Binan\u0131zda ka\u00e7 daire bulunuyor?<\/label>\n                <select id=\"inputNumber\" name=\"inputNumber\" class=\"form-control w-100 p-0 border-0 m-0\" required>\n                  <option value=\"\">Se\u00e7iniz<\/option>\n                  <option value=\"1\">1<\/option>\n                  <option value=\"23\">2-3<\/option>\n                  <option value=\"45\">4-5<\/option>\n                  <option value=\"6\">6 ve \u00fczeri<\/option>\n                <\/select>\n              <\/div>\n            <\/div>\n\n            <div class=\"form-group col-md-12 mb-4\">\n\t\t\t\t<div class=\"input-cont-border py-2 px-2 w-100 mr-2\">\n\t\t\t\t\t<label for=\"inputLicense\" class=\"justify-content-left font-weight-bold pb-0 pl-1\">\n\t\t\t\t\tM\u00fclk\u00fcn\u00fcz\u00fcn turizm i\u015fletme ruhsat\u0131 veya turizm konutu izin belgesi var m\u0131?\t\t\t\t\t<\/label>\n\t\t\t\t\t<select id=\"inputLicense\" name=\"inputLicense\" class=\"form-control w-100 p-0 border-0 m-0\" required=\"\">\n\t\t\t\t\t<option value=\"\">Se\u00e7iniz<\/option>\n\t\t\t\t\t<option value=\"Hay\u0131r\">Hay\u0131r<\/option>\n\t\t\t\t\t<option value=\"Evet\">Evet<\/option>\n\t\t\t\t\t<\/select>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n            <div class=\"form-group col-md-12\">\n            <button type=\"submit\" id=\"evimiKiralaBtn\" name=\"orion_evimi_kirala_gonder\" class=\"btn btn-pink w-100 font-weight-bolder border-radius-16 py-2\">\n            Evimi Kirala            <\/button>\n            <\/div>\n          <\/div>\n        <\/form>\n\n      <\/div>\n    <\/div>\n\n<div id=\"popup1\" class=\"overlay\">\n<div class=\"container-fluid px-0\">\n\t<div class=\"popup\">\n\n\t     <div class=\"popup-header-container\" style=\"margin-bottom:2%;\">\n          <a href=\"\/\" class=\"float-left pt-1\">\n            <img decoding=\"async\" src=\"\/blog\/wp-content\/uploads\/2026\/01\/logo-2.svg\" height=\"26px\" width=\"167px\" alt=\"logo\">\n        <\/a>\n        <a class=\"btn-pink btn-pink-popup border-radius-16 float-right mr-5 px-3 py-2 teklif-btn\" href=\"https:\/\/www.konaak.com\/konaak-ile-tanisin\">Evimi Kirala<\/a>\n    <\/div>\n    <div class=\"clearfix\"><\/div>\n    <div class=\"p-3\">\n        <p style=\"font-size:20px;text-align:center;\" class=\"pt-3\">Te\u015fekk\u00fcrler!...<\/p>\n        <p id=\"popupHeader\" style=\"text-align:center; line-height: 48px; font-size: 24px;\">\n          Bilgileriniz ba\u015far\u0131yla iletildi! Ba\u015fvurunuz i\u00e7in sizi 48 saat i\u00e7inde arayaca\u011f\u0131z.        <\/p>\n        <a class=\"close\" href=\"#\">&times;<\/a>\n        <p class=\"text-center font-weight-bold\" style=\"text-align:center\"><a href=\"\/\">Kapat<\/a><\/p>\n\n\t  <\/div>\n\n<\/div>\n<\/div>\n<style>\n.teklif-btn {float:right;padding:10px 10px;margin:0 50px 0 10px;text-decoration:none;}\n.teklif-btn:hover {color:#fff}\n#evimi_kirala select, #evimi_kirala input[type=\"text\"], #evimi_kirala input[type=\"tel\"]{padding: 6px 0;}\n#evimi_kirala .btn{padding-bottom: 6px;}\n.mb-3,.my-3{margin-bottom:1rem!important}.form-row{display:-ms-flexbox;display:flex;-ms-flex-wrap:wrap;flex-wrap:wrap;margin-right:-5px;margin-left:-5px}.form-inline .form-group{display:-ms-flexbox;-ms-flex:0 0 auto;-ms-flex-flow:row wrap;-ms-flex-align:center}.col-md-12{-ms-flex:0 0 100%;flex:0 0 100%;max-width:100%}.form-row>.col,.form-row>[class*=col-]{padding-right:5px;padding-left:5px}.mb-4,.my-4{margin-bottom:1.5rem!important}.form-group{margin-bottom:1rem}.input-cont-border{border:1px solid #e3e3e3;border-radius:6px}.pl-1,.px-1{padding-left:.25rem!important}.pl-2,.px-2{padding-left:.5rem!important}.pr-2,.px-2{padding-right:.5rem!important}.pt-2,.py-2{padding-top:.5rem!important}.m-0{margin:0!important}.ml-1,.mx-1{margin-left:.25rem!important}.mr-2,.mx-2{margin-right:.5rem!important}.w-100{width:100%!important}.border-0{border:0!important}input[type=email],input[type=text],select,textarea{box-shadow:0;padding:0}.btn-pink{font-weight:700;color:#fff;background-color:#4B2E2B;border-color:#4B2E2B}.btn{padding:0 15px;font-weight:500;line-height:40px;white-space:nowrap}select{padding:0}.col-md-3{width:25%}.col-md-4{width:33.333333%}.col-md-6{width:50%}@media screen and (max-width:768px){.col-md-3,.col-md-4,.col-md-6{width:100%}}\n<\/style>\n<\/div>\n\n\n\t<script>\n\t(function($) {\n\t\tvar ajaxUrl = 'https:\/\/www.konaak.com\/blog\/wp-admin\/admin-ajax.php';\n\n\t    $(document).on('change', '#inputCity', function(){\n\n\t\t\tvar parentt = $(this).parent();\n\n\t\t\t$('select#inputDistrict').prop('disabled', 'disabled');\n            $('select#inputDistrict')\n            .find('option')\n            .remove()\n            .end()\n            .append('<option value=\"\">...<\/option>');\n\n\t\t\tvar sehir = $(this).val();\n            var lang = $('input[name=\"orion_lang\"]').val();\n\t\t\tif(sehir!=''){\n\n\t\t\t\tvar data = {\n\t\t\t\t\taction : 'sehire_gore_ilceleri_getir',\n\t\t\t\t\tsehir: sehir,\n                    lang: lang\n\t\t\t\t};\n\t\t\t\t$.post( ajaxUrl, data, function(response){\n\t\t\t\t\tif( response && response!='' ){\n\t\t\t\t\t\t$('select#inputDistrict').prop('disabled', false);\n\t\t\t\t\t\t$('select#inputDistrict').html(response);\n\t\t\t\t\t\t$('select#inputNeighborhood').html('<option value=\"\">Mahalle<\/option>');\n\t\t\t\t\t}\n\t\t\t\t});\n\t\t\t}\n        });\n\n\t\t$(document).on('change', '#inputDistrict', function(){\n\t\t\tvar lang = $('input[name=\"orion_lang\"]').val();\n\t\t\tvar ilce = $(this).val();\n\t\t\t$('select#inputNeighborhood').prop('disabled', 'disabled');\n            $('select#inputNeighborhood')\n            .find('option')\n            .remove()\n            .end()\n            .append('<option value=\"\">...<\/option>');\n\n\t\t\tif(ilce!=''){\n\t\t\t\tvar data = {\n\t\t\t\t\taction : 'ilceye_gore_mahalleleri_getir',\n\t\t\t\t\tilce: ilce,\n                    lang: lang\n\t\t\t\t};\n\t\t\t\t$.post( ajaxUrl, data, function(response){\n\t\t\t\t\tif( response && response!='' ){\n\t\t\t\t\t\t$('select#inputNeighborhood').prop('disabled', false);\n\t\t\t\t\t\t$('select#inputNeighborhood').html(response);\n\n\t\t\t\t\t}\n\t\t\t\t});\n\t\t\t}\n\t\t});\n\n\n\t})(jQuery);\n\n    document.addEventListener(\"DOMContentLoaded\", function(event) {\n        var $ = jQuery;\n        var date = new Date();\n        date.setDate(date.getDate()-1);\n\n        var ageInput = document.getElementById(\"inputPhone\")\n\n        ageInput.addEventListener(\"keydown\", function(e) {\n          \/\/ prevent: \"e\", \"=\", \",\", \"-\", \".\"\n          if ([69, 187, 188, 189, 190].includes(e.keyCode)) {\n            e.preventDefault();\n          }\n        });\n\n         $(\"form#evimiKirala\").submit(function (e) {\n             e.preventDefault();\n            let first_name = $('#inputName').val();\n            let last_name = $('#inputLastname').val();\n            let email = $('#inputEmail').val();\n            let phone = $('#inputPhone').val();\n            let city = $('#inputCity option:selected').val();\n            let district = $('#inputDistrict option:selected').val();\n            let neighborhood = $('#inputNeighborhood option:selected').val();\n            let property_type = $('#inputBuildingType option:selected').val();\n            let build_count = $('#inputNumber option:selected').val();\n            let license = $('#inputLicense option:selected').val();\n\n            let data = {\n                'first_name': first_name,\n                'last_name': last_name,\n                'email': email,\n                'city': city,\n                'district': district,\n                'neighborhood': neighborhood,\n                'property_type': property_type,\n                'phone': phone,\n                'build_count': build_count,\n                'permission': license,\n                'utm_source': getCookie('utm_source'),\n                'utm_term': getCookie('utm_term'),\n                'utm_campaign': getCookie('utm_campaign'),\n                'utm_medium': getCookie('utm_medium'),\n                'first_page_url': getCookie('first_page_url'),\n                'url': window.location.href,\n                'referral_url': getCookie('referrer_url'),\n            };\n\n\n            $.post(\"https:\/\/pms.konaak.com\/webhook\/missafir\/deal-lead\", data, function(response) {\n                if (response.status) {\n                    $('#popup1').addClass('acik');\n                    dataLayer.push({\n                        'event': 'rent_my_house',\n                        'country': 'T\u00fcrkiye',\n                        'city': city,\n                        'district': district,\n                        'neighborhood': neighborhood,\n                        'number_of_flats': build_count,\n                        'type_of_property': property_type,\n                        'license': license\n                    });\n                }else {\n                    alert('Teknik bir sorun olu\u015ftu l\u00fctfen daha sonra tekrar deneyiniz.');\n                }\n            });\n            return false;\n        });\n\n         $(document).on('click', '.popup .close', function(e){\n            e.preventDefault();\n            $('.overlay').removeClass('acik');\n            return false;\n         });\n    });\n\n\n\t<\/script>\n\t\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potekli Ev Nas\u0131l Sat\u0131l\u0131r?<\/h2>\n\n\n\n<p>\u0130potekli ev sat\u0131\u015flar\u0131nda \u00f6ncelikle al\u0131c\u0131yla anla\u015fmaya var\u0131l\u0131r. Daha sonras\u0131nda ipote\u011fin bulundu\u011fu banka ile ileti\u015fime ge\u00e7ilir ve kredi devri ger\u00e7ekle\u015fir. Yani evin \u00fczerinde bulunan bor\u00e7 yeni al\u0131c\u0131ya ge\u00e7er. Daha sonras\u0131nda al\u0131c\u0131 t\u00fcm taksitleri kapatarak tapu devrini tamamlayabilir. Bunun i\u00e7in bankadan <a href=\"https:\/\/www.konaak.com\/blog\/fek-yazisi\/\" target=\"_blank\" rel=\"noreferrer noopener\">fek yaz\u0131s\u0131<\/a> almas\u0131 gerekir. <\/p>\n\n\n\n<p>Konut kredisi \u00e7ekerek ev sat\u0131n alman\u0131z durumunda krediyi ald\u0131\u011f\u0131n\u0131z bankaya borcunuzu tamamen \u00f6deyene kadar eviniz ipotekli ev say\u0131l\u0131yor. 10 y\u0131l kadar s\u00fcrebilen uzun kredi vadelerini \u00f6demekte s\u0131k\u0131nt\u0131 ya\u015faman\u0131z durumunda evi satma hakk\u0131n\u0131z do\u011fuyor. Bu sat\u0131\u015f i\u015flemini ger\u00e7ekle\u015ftirmenin birka\u00e7 farkl\u0131 yolu var:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.konaak.com\/blog\/wp-content\/uploads\/2023\/10\/Is-a-Mortgage-Backed-House-for-Sale-How-to-Sell-a-Mortgage-Backed-House.jpg\" alt=\"ipotekli ev nas\u0131l sat\u0131l\u0131r? \" class=\"wp-image-80386\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Krediyi Pe\u015fin Parayla Kapatarak Evi Satmak<\/h3>\n\n\n\n<p>\u00d6ncelikle konut kredinizi kalan vadelerini ayl\u0131k olarak \u00f6demek yerine konutu sat\u0131n alan ki\u015finin verece\u011fi pe\u015fin tutarla erkenden kapatma se\u00e7ene\u011fine sahipsiniz. <\/p>\n\n\n\n<p>Al\u0131c\u0131 kalan kredi borcu ve kalan sat\u0131\u015f tutar\u0131n\u0131 bankaya teslim ederken kar\u015f\u0131l\u0131\u011f\u0131nda alaca\u011f\u0131 bloke \u00e7eki size veriyor. Ard\u0131ndan siz borcunuzu kapatt\u0131ktan ve ipote\u011fin kald\u0131r\u0131lmas\u0131 i\u00e7in gereken i\u015flemler yap\u0131ld\u0131ktan sonra sat\u0131\u015f ger\u00e7ekle\u015ftirilmi\u015f oluyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Al\u0131c\u0131n\u0131n Konut Kredisi \u00c7ekmesi<\/h3>\n\n\n\n<p>Bir di\u011fer se\u00e7enekse evin yeni sahibinin de konut kredisi \u00e7ekerek m\u00fclk\u00fc sat\u0131n almas\u0131. Bu durumda bankada kredi devri ve ipotek devri i\u015flemleri yap\u0131l\u0131yor. Evi satan ki\u015finin kredi borcu evi alan ki\u015finin \u00fczerine ge\u00e7iyor ve eski ev sahibinin mevcut bir kredi borcu kalmam\u0131\u015f oluyor. <\/p>\n\n\n\n<p>E\u011fer al\u0131c\u0131 konut kredisini ayn\u0131 bankadan almayacaksa iki banka aras\u0131 devir yap\u0131l\u0131yor. Fakat evin \u00fczerindeki ipotek durumu devam etmi\u015f oluyor.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130pote\u011fi Ba\u015fka Bir Kredi \u00c7ekerek Kald\u0131rmak<\/h3>\n\n\n\n<p>Son olarak al\u0131c\u0131 evi ipotekli haldeyken sat\u0131n almay\u0131 kabul etmiyorsa sat\u0131c\u0131n\u0131n ba\u015fka bir kredi \u00e7ekerek (genellikle t\u00fcketici kredisi) as\u0131l konut kredisi borcunu kapatmas\u0131 gerekiyor. <\/p>\n\n\n\n<p>Evin \u00fczerindeki ipotek kalkt\u0131ktan sonra evin sat\u0131\u015f\u0131 yap\u0131l\u0131yor ve buradan gelen parayla sat\u0131c\u0131 di\u011fer kredisinin borcunu da kapatabiliyor. Bu durumda kredilerin erken kapatma \u015fartlar\u0131 ve ceza tutarlar\u0131n\u0131 da g\u00f6z \u00f6n\u00fcnde bulundurmak gerekiyor.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.konaak.com\/blog\/wp-content\/uploads\/2023\/10\/Is-a-Mortgage-Backed-House-for-Sale-Can-You-Remove-the-Mortgage-by-Taking-Out-Another-Credit.jpg\" alt=\"ipotekli ev sat\u0131l almak\" class=\"wp-image-80389\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potekle Ev Nas\u0131l Al\u0131n\u0131r?<\/h2>\n\n\n\n<p>\u0130potekle ev almak, konut kredisi kullanarak bir ev sat\u0131n almay\u0131 ifade eder. Bu s\u00fcre\u00e7te bankalar, kredi tutar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in sat\u0131n al\u0131nacak ev \u00fczerine ipotek koyarlar. \u0130\u015fte ipotekle ev alma s\u00fcrecinin ad\u0131mlar\u0131:<\/p>\n\n\n\n<ol>\n<li><strong>B\u00fct\u00e7enizi Belirleyin<\/strong>: Ne kadarl\u0131k bir krediye ihtiyac\u0131n\u0131z oldu\u011funu ve ayl\u0131k ne kadar taksit \u00f6deyebilece\u011finizi belirleyin.<\/li>\n\n\n\n<li><strong>Bankalar\u0131 Ara\u015ft\u0131r\u0131n<\/strong>: Farkl\u0131 bankalar\u0131n konut kredisi faiz oranlar\u0131n\u0131, masraflar\u0131n\u0131 ve \u00f6deme \u015fartlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n\n\n\n<li><strong>\u00d6n Onay Al\u0131n<\/strong>: Se\u00e7ti\u011finiz bankadan \u00f6n onayl\u0131 kredi ba\u015fvurusu yap\u0131n. Bu, bankan\u0131n size ne kadar kredi verebilece\u011fini g\u00f6sterir.<\/li>\n\n\n\n<li><strong>Evi Se\u00e7in<\/strong>: B\u00fct\u00e7enize uygun ve be\u011fendi\u011finiz evi se\u00e7in.<\/li>\n\n\n\n<li><strong>Ekspertiz De\u011ferlendirmesi<\/strong>: Banka, se\u00e7ti\u011finiz ev i\u00e7in bir ekspertiz de\u011ferlendirmesi yapar. Bu de\u011ferlendirme, evin piyasa de\u011ferini belirler.<\/li>\n\n\n\n<li><strong>Kredi Onay\u0131<\/strong>: Ekspertiz de\u011ferlendirmesi sonras\u0131nda, banka kredi miktar\u0131n\u0131 onaylar.<\/li>\n\n\n\n<li><strong>\u0130potek \u0130\u015flemleri<\/strong>: Sat\u0131n alaca\u011f\u0131n\u0131z ev \u00fczerine banka taraf\u0131ndan ipotek tesis edilir. Bu, bankan\u0131n alacaklar\u0131n\u0131 g\u00fcvence alt\u0131na almas\u0131 i\u00e7in yap\u0131l\u0131r.<\/li>\n\n\n\n<li><strong>Kredi Kullan\u0131m\u0131<\/strong>: Banka, kredi miktar\u0131n\u0131 sat\u0131c\u0131ya \u00f6der. B\u00f6ylece, evin m\u00fclkiyeti size ge\u00e7er ancak ev \u00fczerindeki ipotek devam eder.<\/li>\n\n\n\n<li><strong>Ayl\u0131k Taksitler<\/strong>: Krediyi belirlenen s\u00fcre ve faiz oran\u0131 \u00fczerinden ayl\u0131k taksitlerle geri \u00f6demeniz gerekir.<\/li>\n\n\n\n<li><strong>\u0130potek Kald\u0131rma<\/strong>: Kredi borcunuz tamamland\u0131\u011f\u0131nda, bankadan alaca\u011f\u0131n\u0131z fek yaz\u0131s\u0131 ile tapu dairesine ba\u015fvurarak ipote\u011fi kald\u0131rabilirsiniz.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potekli Ev Nas\u0131l Al\u0131n\u0131r?<\/h2>\n\n\n\n<ol>\n<li><strong>Bilgi Edinme<\/strong>: Sat\u0131c\u0131n\u0131n bankas\u0131yla olan bor\u00e7 miktar\u0131 ve \u015fartlar\u0131n\u0131 \u00f6\u011frenin.<\/li>\n\n\n\n<li><strong>Banka \u0130le \u0130leti\u015fim<\/strong>: \u0130potekli kredinin yeni al\u0131c\u0131ya transfer edilip edilemeyece\u011fini \u00f6\u011frenin.<\/li>\n\n\n\n<li><strong>\u00d6deme<\/strong>: Kredi devri kabul edilmezse, yeni bir kredi kullanarak sat\u0131c\u0131n\u0131n borcunu kapat\u0131n*.<\/li>\n\n\n\n<li><strong>S\u00f6zle\u015fme<\/strong>: Sat\u0131\u015f s\u00f6zle\u015fmesini haz\u0131rlay\u0131n ve imzalay\u0131n.<\/li>\n\n\n\n<li><strong>\u0130potek<\/strong>: Eski ipotek kald\u0131r\u0131l\u0131r ve gerekirse yeni bir ipotek olu\u015fturulur.<\/li>\n\n\n\n<li><strong>Tapu Transferi<\/strong>: \u00d6deme tamamland\u0131\u011f\u0131nda tapu devri ger\u00e7ekle\u015ftirilir.<\/li>\n<\/ol>\n\n\n\n<p><strong>Not*: <\/strong>\u0130potekli ev al\u0131m s\u00fcre\u00e7lerinde dikkatli hareket edin ve gerekti\u011finde profesyonel dan\u0131\u015fmanl\u0131k al\u0131n. Bu t\u00fcr i\u015flemlerin risk bar\u0131nd\u0131rd\u0131\u011f\u0131n\u0131 unutmay\u0131n. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potekli Ev Sat\u0131n Alman\u0131n Riskleri Nelerdir? <\/h2>\n\n\n\n<p>\u0130potekli ev sat\u0131n alman\u0131n b\u00fcy\u00fck bir riski bulunmaz. Yetkili kurumlar\u0131n (noter, banka) nezdinde yaz\u0131l\u0131 olarak ger\u00e7ekle\u015ftirilen kay\u0131tl\u0131 i\u015flemler risk te\u015fkil etmez. Fakat s\u00f6zl\u00fc olarak yap\u0131lan ve kayda ge\u00e7meyen i\u015flemler b\u00fcy\u00fck risk te\u015fkil eder. <\/p>\n\n\n\n<ul>\n<li><strong>Ek masraflar: <\/strong>\u0130potekli ev sat\u0131n al\u0131mlar\u0131 banka borcu, ekspertiz, dosya masraf\u0131 vb.) ek masraflara neden olabilir. <\/li>\n\n\n\n<li><strong>Tapu devri sorunlar\u0131:<\/strong> \u0130potekli evlerin sat\u0131\u015flar\u0131nda tapu devri sorunlar\u0131 ya\u015fanabilir. <\/li>\n\n\n\n<li><strong>Bankan\u0131n eve el koymas\u0131:<\/strong> \u0130pote\u011fin kald\u0131r\u0131lmad\u0131\u011f\u0131 durumlarda kredi sa\u011flay\u0131c\u0131s\u0131 bankan\u0131n eve el koyma hakk\u0131 bulunmaktad\u0131r. <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tapuda \u0130potekli Ev Alma Riskleri Nelerdir? <\/h3>\n\n\n\n<p>Evin \u00fczerinde ipotek oldu\u011fu tapuda \u00f6\u011freniliyorsa bu durum risklere neden olur. \u00d6ncelikle bilgi ak\u0131\u015f\u0131 \u015feffaf olmad\u0131\u011f\u0131 i\u00e7in ilk dezavantajl\u0131 durum budur. \u00c7\u00fcnk\u00fc ipotek bilgi verilmemesi g\u00fcvensizlik sorununa yol a\u00e7ar. <\/p>\n\n\n\n<ol>\n<li><strong>Bor\u00e7 Miktar\u0131n\u0131n Belirsizli\u011fi<\/strong>: Sat\u0131c\u0131n\u0131n ne kadar borcu kald\u0131\u011f\u0131n\u0131 tam olarak bilmemek, al\u0131c\u0131 i\u00e7in mali bir risk olu\u015fturabilir.<\/li>\n\n\n\n<li><strong>Banka Onay\u0131<\/strong>: \u0130potekli kredinin al\u0131c\u0131ya devredilip devredilemeyece\u011fi bankan\u0131n onay\u0131na ba\u011fl\u0131d\u0131r. Banka, devri kabul etmeyebilir.<\/li>\n\n\n\n<li><strong>Ek Maliyetler<\/strong>: \u0130potek devri ya da yeni bir kredi \u00e7ekilmesi durumunda ek masraflar (ekspertiz, dosya masraflar\u0131 vb.) olu\u015fabilir.<\/li>\n\n\n\n<li><strong>Tapu Devri Gecikmesi<\/strong>: E\u011fer ipotek kald\u0131r\u0131lmadan sat\u0131\u015f ger\u00e7ekle\u015firse, kredi borcu tamamen \u00f6denene kadar tapunun al\u0131c\u0131 ad\u0131na ge\u00e7mesi gecikebilir.<\/li>\n\n\n\n<li><strong>Hukuki Sorunlar<\/strong>: Sat\u0131c\u0131n\u0131n kredi borcunu \u00f6dememesi durumunda, bankan\u0131n m\u00fclke el koyma riski bulunmaktad\u0131r.<\/li>\n\n\n\n<li><strong>Fek Yaz\u0131s\u0131<\/strong>: Kredi borcu tamamland\u0131\u011f\u0131nda, bankadan fek yaz\u0131s\u0131 al\u0131nmazsa ipote\u011fin kald\u0131r\u0131lmas\u0131 m\u00fcmk\u00fcn olmayabilir.<\/li>\n\n\n\n<li><strong>De\u011fer Kayb\u0131<\/strong>: Sat\u0131n al\u0131nan ipotekli evin, \u00f6ng\u00f6r\u00fclen s\u00fcrede de\u011fer kaybetmesi durumunda, al\u0131c\u0131 mali bir zarara u\u011frayabilir.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">\u0130potekli eve aile konutu \u015ferhi nedir? <\/h2>\n\n\n\n<p>Aile konutu ile ilgili T\u00fcrk Medeni Kanunu&#8217;nda belirtilen h\u00fck\u00fcmler gere\u011fi, aile konutu niteli\u011findeki bir ta\u015f\u0131nmaz\u0131n \u00fczerine ipotek konulabilmesi i\u00e7in di\u011fer e\u015fin a\u00e7\u0131k r\u0131zas\u0131 gerekmektedir. E\u015flerden biri, di\u011fer e\u015fin r\u0131zas\u0131 bulunmad\u0131k\u00e7a aile konutu \u00fczerine ipotek tesis edemez. Bu durumun resmi olarak belgelenmesi amac\u0131yla tapuda &#8220;aile konutudur \u015ferhi&#8221; konulabilir. Bu \u015ferh, malik olan e\u015fin, e\u015finin a\u00e7\u0131k r\u0131zas\u0131 bulunmad\u0131k\u00e7a, bu konutta herhangi bir ayni hak tesis edemeyece\u011fini belirtir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ev ipotek kald\u0131rma nas\u0131l yap\u0131l\u0131r?<\/h2>\n\n\n\n<p>Eve ipotek koydurulduktan sonra, ilgili borcun tamamen \u00f6denmesi durumunda ipotek kald\u0131rma i\u015flemi ger\u00e7ekle\u015ftirilir. \u0130potek kald\u0131rmak i\u00e7in borcun tamam\u0131 \u00f6dendikten sonra kredi sa\u011flay\u0131c\u0131s\u0131 banka \u00fczerinden i\u015flemler tamamlan\u0131r. <\/p>\n\n\n\n<p>Bu i\u015flem i\u00e7in \u00f6ncelikle borcu veren kurumdan &#8220;ipotek kald\u0131rma yaz\u0131s\u0131&#8221;- fek yaz\u0131s\u0131 al\u0131nmal\u0131d\u0131r. Ard\u0131ndan bu belge ile tapu dairesine ba\u015fvurularak ipotek kald\u0131r\u0131lmadan gerekli i\u015flemler yap\u0131l\u0131r.<a href=\"https:\/\/www.semrush.com\/on-page-seo-checker\/9886457\/ideas\/density\/65016466bae002766c0d8071\/details\/\"><\/a><\/p>\n\n\n\n<p>\u0130potekli ev sat\u0131\u015flar\u0131 hakk\u0131nda s\u00f6yleyebileceklerimiz bu kadar. Bu konuyla ilgili t\u00fcm hukuki s\u00fcre\u00e7leri <a href=\"https:\/\/www.mevzuat.gov.tr\/mevzuatmetin\/1.5.4721.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">T\u00fcrk Medeni Kanunu<\/a> \u00fczerinden inceleyebilirsiniz. Gayrimenkul ve emlak yat\u0131r\u0131m\u0131 hakk\u0131nda daha fazla bilgi almak isterseniz <a href=\"https:\/\/www.konaak.com\/blog\/devremulk-nedir\/\" target=\"_blank\" rel=\"noreferrer noopener\">Devrem\u00fclk Nedir? Devrem\u00fclk Almak Mant\u0131kl\u0131 m\u0131?<\/a> adl\u0131 blog yaz\u0131m\u0131za da g\u00f6z atman\u0131z\u0131 \u00f6neririz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130potekli ev sat\u0131l\u0131r m\u0131 sorusunun cevab\u0131, evet. \u00dczerinde ipotek bulunan evlerin al\u0131m sat\u0131m\u0131 m\u00fcmk\u00fcn. Peki, nas\u0131l? Detaylar blog yaz\u0131m\u0131zda. Gayrimenkul [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":89686,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[647,646],"tags":[],"_links":{"self":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts\/18211"}],"collection":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/comments?post=18211"}],"version-history":[{"count":4,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts\/18211\/revisions"}],"predecessor-version":[{"id":89692,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/posts\/18211\/revisions\/89692"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/media\/89686"}],"wp:attachment":[{"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/media?parent=18211"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/categories?post=18211"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.konaak.com\/blog\/wp-json\/wp\/v2\/tags?post=18211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}