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Bu çalışmada, faizsiz bir gayrimenkul finansman yöntemi olan ipoteğe dayalı paylaşımlı faizsiz finansman modeli (İP2FM) ayrıntılı bir şekilde incelenmiştir. Türkiye’de katılım bankaları, gayrimenkul finansman sektöründe yeterli paya sahip değildir. Artan maliyetler ve rekabet güçlüğü katılım bankaları için gayrimenkul finansmanını cazip kılmamaktadır. Çalışmanın uygulama bölümde, katılım bankalarının genel olarak uyguladıkları konut finansman yönteminden elde edilen gelir ile İP2FM’nin versiyonlarının uygulanması halinde elde edilecek gelir karşılaştırılmıştır. Nihayetinde söz konusu modelin katılım bankaları tarafından uygulanabilir olduğu ve uygulanması durumunda konut finansmanı için önemli bir alternatif yaratabileceği sonucuna varılmıştır.
In this research, Mortgage-backed non-interest shared finance model (Mn-iSFM), which is an interest-free real-estate financing method, is examined in detail. In Turkey, the share of participation banks in real-estate financing is very limited. Increasing costs and competitive disadvantages makes real-estate financing market unwanted for participation banks. However, alternative methods could increase their share in housing finance. In the application part of the study, the real-estate financing method of participation banks is compared with the versions of the offered model. As a result, it is concluded that providing of real estate financing with Mn-iSFM could even be a feasible alternative for participation banks and a serious alternative for the real estate financing.
In this research, Mortgage-backed non-interest shared finance model (Mn-iSFM), which is an interest-free real-estate financing method, is examined in detail. In Turkey, the share of participation banks in real-estate financing is very limited. Increasing costs and competitive disadvantages makes real-estate financing market undesirable for participation banks. However, alternative methods could increase their share in housing finance. In the application part of the study, the real-estate financing method of participation banks is compared with the versions of the offered model. As a result, it is concluded that providing of real estate financing with Mn-iSFM could be even a feasible alternative for participation banks and a serious alternative for the real-estate financing.
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