Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber<\/title><meta name=\"description\" content=\"Ev al\u0131rken tapu, iskan, deprem riski, ekspertiz, kredi, masraflar, pazarl\u0131k ve teslim a\u015famalar\u0131nda dikkat edilmesi gerekenleri \u00f6\u011frenin.\"><\/head><body><\/p>\n<article class=\"sarisayfalar-rehber\">\n<\/p>\n<h1>Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber<\/h1>\n<p><strong>Son g\u00fcncelleme:<\/strong> 17 Temmuz 2026<\/p>\n<div style=\"background:#f5f8fb;border-left:5px solid #f2c300;padding:18px;margin:20px 0;border-radius:6px;\"><strong>K\u0131sa cevap:<\/strong> Ev al\u0131rken yaln\u0131zca fiyat ve oda say\u0131s\u0131na bak\u0131lmamal\u0131d\u0131r. Tapu sahibi, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, ipotek ve haciz kay\u0131tlar\u0131, kat m\u00fclkiyeti, ruhsat, iskan, deprem g\u00fcvenli\u011fi, ekspertiz de\u011feri, aidat bor\u00e7lar\u0131, kredi maliyeti ve toplam giderler ayr\u0131 ayr\u0131 kontrol edilmelidir.<\/div>\n<p>Ev sat\u0131n almak, \u00e7o\u011fu ki\u015finin hayat\u0131nda verdi\u011fi en y\u00fcksek tutarl\u0131 finansal kararlardan biridir. G\u00fczel g\u00f6r\u00fcnen bir daire do\u011fru yat\u0131r\u0131m anlam\u0131na gelmez. Yeni boya nemi gizleyebilir; ilandaki metrekare ger\u00e7e\u011fi yans\u0131tmayabilir; tapuda ipotek, haciz veya farkl\u0131 ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm bulunabilir.<\/p>\n<p>Bu rehber, sat\u0131l\u0131k ilan\u0131n\u0131 ilk g\u00f6rd\u00fc\u011f\u00fcn\u00fcz andan anahtar teslimine kadar izlenebilecek kapsaml\u0131 bir kontrol sistemi sunar. \u0130\u00e7erik genel bilgilendirme ama\u00e7l\u0131d\u0131r; somut ta\u015f\u0131nmaz i\u00e7in resmi kurumlar ve yetkili uzmanlardan do\u011frulama yap\u0131lmal\u0131d\u0131r.<\/p>\n<div id=\"icindekiler\" style=\"border:1px solid #ddd;padding:20px;margin:28px 0;border-radius:8px;background:#fff;\">\n<h2>\u0130\u00e7indekiler<\/h2>\n<ol>\n<li><a href=\"#amac\">1. Ev Alma Amac\u0131n\u0131z\u0131 Belirleyin<\/a><\/li>\n<li><a href=\"#butce\">2. Toplam B\u00fct\u00e7eyi Do\u011fru Hesaplay\u0131n<\/a><\/li>\n<li><a href=\"#kredi\">3. Konut Kredisi Haz\u0131rl\u0131\u011f\u0131 Yap\u0131n<\/a><\/li>\n<li><a href=\"#ilan\">4. \u0130lan\u0131 ve Sat\u0131c\u0131y\u0131 Do\u011frulay\u0131n<\/a><\/li>\n<li><a href=\"#lokasyon\">5. Lokasyon ve Mahalleyi \u0130nceleyin<\/a><\/li>\n<li><a href=\"#piyasa\">6. Piyasa De\u011ferini Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/a><\/li>\n<li><a href=\"#fiziksel\">7. Konutun Fiziksel Durumunu Kontrol Edin<\/a><\/li>\n<li><a href=\"#bina\">8. Bina ve Ortak Alanlar\u0131 \u0130nceleyin<\/a><\/li>\n<li><a href=\"#deprem\">9. Deprem ve Zemin Riskini Ara\u015ft\u0131r\u0131n<\/a><\/li>\n<li><a href=\"#tapu\">10. Tapu Kayd\u0131n\u0131 Ayr\u0131nt\u0131l\u0131 Kontrol Edin<\/a><\/li>\n<li><a href=\"#katmulkiyeti\">11. Kat M\u00fclkiyeti, Kat \u0130rtifak\u0131 ve Arsa Tapusu<\/a><\/li>\n<li><a href=\"#ruhsat-iskan\">12. Yap\u0131 Ruhsat\u0131 ve \u0130skan Belgesi<\/a><\/li>\n<li><a href=\"#imar\">13. \u0130mar ve Projeye Ayk\u0131r\u0131l\u0131k Kontrolleri<\/a><\/li>\n<li><a href=\"#metrekare\">14. Net ve Br\u00fct Metrekare Fark\u0131n\u0131 Do\u011frulay\u0131n<\/a><\/li>\n<li><a href=\"#ekspertiz\">15. Ekspertiz Raporunu Do\u011fru Okuyun<\/a><\/li>\n<li><a href=\"#borclar\">16. Aidat, Vergi ve Abonelik Bor\u00e7lar\u0131n\u0131 Kontrol Edin<\/a><\/li>\n<li><a href=\"#kiraci\">17. Kirac\u0131l\u0131 Ev Al\u0131rken Dikkat Edilecekler<\/a><\/li>\n<li><a href=\"#kapora\">18. Kapora Vermeden \u00d6nce Yap\u0131lacaklar<\/a><\/li>\n<li><a href=\"#pazarlik\">19. Pazarl\u0131k Stratejisi<\/a><\/li>\n<li><a href=\"#masraflar\">20. 2026 Ev Sat\u0131n Alma Masraflar\u0131<\/a><\/li>\n<li><a href=\"#tapu-islemi\">21. Tapu Devri G\u00fcn\u00fc Yap\u0131lacaklar<\/a><\/li>\n<li><a href=\"#teslim\">22. Anahtar Teslimi ve Sat\u0131n Alma Sonras\u0131<\/a><\/li>\n<li><a href=\"#yatirim\">23. Yat\u0131r\u0131m \u0130\u00e7in Ev Al\u0131rken Ek Kontroller<\/a><\/li>\n<li><a href=\"#yeni-konut\">24. S\u0131f\u0131r ve Projeden Konut Al\u0131rken Dikkat Edilecekler<\/a><\/li>\n<li><a href=\"#ikinci-el\">25. \u0130kinci El Ev Al\u0131rken Dikkat Edilecekler<\/a><\/li>\n<li><a href=\"#kontrol-listesi\">26. Ev Sat\u0131n Alma Kontrol Listesi<\/a><\/li>\n<li><a href=\"#hatalar\">27. Ev Al\u0131rken En S\u0131k Yap\u0131lan Hatalar<\/a><\/li>\n<li><a href=\"#sss\">28. S\u0131k Sorulan Sorular<\/a><\/li>\n<li><a href=\"#sonuc\">29. Sonu\u00e7<\/a><\/li>\n<\/ol>\n<\/div>\n<h2 id=\"amac\">1. Ev Alma Amac\u0131n\u0131z\u0131 Belirleyin<\/h2>\n<p>Do\u011fru ev, sat\u0131n alma amac\u0131na g\u00f6re de\u011fi\u015fir. Kendi ya\u015fayaca\u011f\u0131n\u0131z evde i\u015f yerine ula\u015f\u0131m, okul, hastane, sosyal \u00e7evre, g\u00fcvenlik, otopark ve g\u00fcnl\u00fck ya\u015fam kolayl\u0131\u011f\u0131 \u00f6ne \u00e7\u0131kabilir. Yat\u0131r\u0131m i\u00e7in al\u0131nan konutta ise kira talebi, bo\u015f kalma s\u00fcresi, kirac\u0131 profili, bak\u0131m gideri ve sat\u0131\u015f likiditesi daha \u00f6nemlidir.<\/p>\n<p>Oturmak i\u00e7in ev al\u0131yorsan\u0131z evi yaln\u0131zca g\u00fcnd\u00fcz saatlerinde g\u00f6rmeyin. Sabah i\u015fe gidi\u015f trafi\u011fini, ak\u015fam park durumunu ve hafta sonu g\u00fcr\u00fclt\u00fcs\u00fcn\u00fc g\u00f6zlemleyin. \u00c7ocuklu ailelerde okul g\u00fczerg\u00e2h\u0131 ve parklar; ileri ya\u015ftaki ki\u015filerde asans\u00f6r, bina giri\u015fi ve toplu ta\u015f\u0131maya y\u00fcr\u00fcme mesafesi \u00f6nem kazan\u0131r.<\/p>\n<p>Yat\u0131r\u0131m i\u00e7in ev al\u0131yorsan\u0131z yaln\u0131zca \u201cfiyat\u0131 artar\u201d beklentisine g\u00fcvenmeyin. B\u00f6lgedeki ger\u00e7ek kira bedellerini, benzer dairelerin ne kadar s\u00fcrede kiraland\u0131\u011f\u0131n\u0131, aidat\u0131n kira gelirine oran\u0131n\u0131, olas\u0131 tadilat maliyetini ve sat\u0131\u015f\u0131n ne kadar h\u0131zl\u0131 yap\u0131labildi\u011fini birlikte de\u011ferlendirin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Oturum amac\u0131 m\u0131, yat\u0131r\u0131m amac\u0131 m\u0131?<\/li>\n<li>K\u0131sa vadeli mi, uzun vadeli mi?<\/li>\n<li>Ailenin bug\u00fcnk\u00fc ve be\u015f y\u0131l sonraki ihtiyac\u0131 ne?<\/li>\n<li>Likidite ve kira getirisi ne kadar \u00f6nemli?<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"butce\">2. Toplam B\u00fct\u00e7eyi Do\u011fru Hesaplay\u0131n<\/h2>\n<p>\u0130lan fiyat\u0131 evin toplam maliyeti de\u011fildir. Tapu harc\u0131, d\u00f6ner sermaye bedeli, emlak hizmet bedeli, krediye ba\u011fl\u0131 ekspertiz ve ipotek giderleri, DASK, konut sigortas\u0131, tadilat, ta\u015f\u0131nma, abonelik ve e\u015fya giderleri ayr\u0131ca hesaplanmal\u0131d\u0131r.<\/p>\n<p>\u00dc\u00e7 ayr\u0131 rakam belirlemek yararl\u0131d\u0131r: rahat\u00e7a kar\u015f\u0131layabilece\u011finiz ideal fiyat, hi\u00e7bir ko\u015fulda ge\u00e7meyece\u011finiz kesin \u00fcst s\u0131n\u0131r ve sat\u0131n alma sonras\u0131nda dokunmayaca\u011f\u0131n\u0131z acil durum rezervi. Pe\u015finat\u0131n tamam\u0131n\u0131 sat\u0131\u015f bedeline ba\u011flamak, tapudan hemen sonra nakit s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131 yaratabilir.<\/p>\n<p>Kredi taksidini yaln\u0131zca bug\u00fcnk\u00fc gelirinizle de\u011fil, gelir kayb\u0131 veya gider art\u0131\u015f\u0131 senaryosuyla da de\u011ferlendirin. Bankan\u0131n kredi vermesi, taksidin sizin b\u00fct\u00e7eniz i\u00e7in mutlaka g\u00fcvenli oldu\u011fu anlam\u0131na gelmez.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Sat\u0131\u015f bedeli<\/li>\n<li>Tapu ve i\u015flem masraflar\u0131<\/li>\n<li>Tadilat ve ta\u015f\u0131nma<\/li>\n<li>Acil durum rezervi<\/li>\n<li>\u0130lk y\u0131l aidat ve sigorta giderleri<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kredi\">3. Konut Kredisi Haz\u0131rl\u0131\u011f\u0131 Yap\u0131n<\/h2>\n<p>Ev aramaya ba\u015flamadan \u00f6nce bankalardan \u00f6n bilgi almak ger\u00e7ek sat\u0131n alma g\u00fcc\u00fcn\u00fcz\u00fc g\u00f6rmenizi sa\u011flar. Kredi tutar\u0131 yaln\u0131zca ilan fiyat\u0131na g\u00f6re de\u011fil; bankan\u0131n kabul etti\u011fi ekspertiz de\u011ferine, konutun niteli\u011fine, al\u0131c\u0131n\u0131n gelir ve kredi ge\u00e7mi\u015fine ve g\u00fcncel d\u00fczenlemelere g\u00f6re belirlenebilir.<\/p>\n<p>Bankalar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken yaln\u0131zca ayl\u0131k oran\u0131 de\u011fil y\u0131ll\u0131k maliyet oran\u0131n\u0131, toplam geri \u00f6demeyi, ekspertiz ve tahsis giderlerini, sigortalar\u0131, erken \u00f6deme ko\u015fullar\u0131n\u0131 ve ipotek kald\u0131rma s\u00fcrecini inceleyin.<\/p>\n<p>Ekspertiz de\u011feri sat\u0131\u015f fiyat\u0131ndan d\u00fc\u015f\u00fck \u00e7\u0131karsa aradaki fark\u0131 \u00f6z kaynakla tamamlaman\u0131z gerekebilir. Kapora s\u00f6zle\u015fmesinde kredinin onaylanmamas\u0131 veya ekspertizin yetersiz kalmas\u0131 halinde ne olaca\u011f\u0131 a\u00e7\u0131k\u00e7a yaz\u0131lmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Toplam geri \u00f6deme<\/li>\n<li>Y\u0131ll\u0131k maliyet oran\u0131<\/li>\n<li>Ekspertiz gideri<\/li>\n<li>Sigorta \u015fartlar\u0131<\/li>\n<li>Erken \u00f6deme ko\u015fullar\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ilan\">4. \u0130lan\u0131 ve Sat\u0131c\u0131y\u0131 Do\u011frulay\u0131n<\/h2>\n<p>\u201cKrediye uygun\u201d, \u201ciskanl\u0131\u201d, \u201ckat m\u00fclkiyetli\u201d, \u201cnet 120 m\u00b2\u201d veya \u201cmasrafs\u0131z\u201d gibi ilan ifadelerini belge g\u00f6rmeden do\u011fru kabul etmeyin. \u0130lan metni pazarlama a\u00e7\u0131klamas\u0131d\u0131r; resmi kay\u0131t yerine ge\u00e7mez.<\/p>\n<p>Tapudaki malikin kim oldu\u011funu, sat\u0131\u015f\u0131 kimin yapaca\u011f\u0131n\u0131, varsa vek\u00e2letnamenin kapsam\u0131n\u0131, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm bilgisini ve k\u0131s\u0131tlamalar\u0131 do\u011frulay\u0131n. Yaln\u0131zca ilan sahibi veya arac\u0131 oldu\u011funu s\u00f6yleyen ki\u015fiye, malik ve yetki kontrol edilmeden para g\u00f6ndermeyin.<\/p>\n<p>Sat\u0131\u015f nedeni, aidat, kirac\u0131, planlanan bina masraf\u0131 ve son tadilat tarihi gibi sorular\u0131 ilk g\u00f6r\u00fc\u015fmede sormak gereksiz ziyaretleri azalt\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Malik kim?<\/li>\n<li>Tapu t\u00fcr\u00fc ne?<\/li>\n<li>\u0130skan var m\u0131?<\/li>\n<li>\u0130potek veya haciz var m\u0131?<\/li>\n<li>Kirac\u0131 var m\u0131?<\/li>\n<li>Aidat ne kadar?<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"lokasyon\">5. Lokasyon ve Mahalleyi \u0130nceleyin<\/h2>\n<p>Bir evin i\u00e7i de\u011fi\u015ftirilebilir, konumu de\u011fi\u015ftirilemez. Ayn\u0131 mahallede birka\u00e7 sokak aras\u0131nda bile ula\u015f\u0131m, g\u00fcr\u00fclt\u00fc, g\u00fcvenlik, zemin, otopark ve fiyat fark\u0131 olu\u015fabilir.<\/p>\n<p>Soka\u011f\u0131 i\u015f g\u00fcn\u00fc sabah\u0131, ak\u015fam yo\u011funlu\u011funda ve hafta sonunda g\u00f6r\u00fcn. Toplu ta\u015f\u0131ma dura\u011f\u0131na ger\u00e7ek y\u00fcr\u00fcme s\u00fcresini \u00f6l\u00e7\u00fcn; haritadaki mesafe yoku\u015f, \u00fcst ge\u00e7it veya g\u00fcvenli olmayan g\u00fczerg\u00e2h nedeniyle yan\u0131lt\u0131c\u0131 olabilir.<\/p>\n<p>Apartman y\u00f6neticisi, kom\u015fular ve yak\u0131n esnaf; asans\u00f6r ar\u0131zas\u0131, \u00e7at\u0131 sorunu, su bask\u0131n\u0131, g\u00fcr\u00fclt\u00fc, y\u00fcksek aidat veya devam eden uyu\u015fmazl\u0131klar hakk\u0131nda ilanda bulunmayan bilgiler verebilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>G\u00fcnd\u00fcz ve gece g\u00fcvenli\u011fi<\/li>\n<li>Trafik ve toplu ta\u015f\u0131ma<\/li>\n<li>Otopark<\/li>\n<li>Okul ve sa\u011fl\u0131k hizmetleri<\/li>\n<li>\u0130nternet altyap\u0131s\u0131<\/li>\n<li>Su bask\u0131n\u0131 ve \u00e7evresel riskler<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"piyasa\">6. Piyasa De\u011ferini Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2>\n<p>Yaln\u0131zca ayn\u0131 mahalledeki ilanlara bakmak yeterli de\u011fildir. Kar\u015f\u0131la\u015ft\u0131r\u0131lan konutlar\u0131n net alan\u0131, bina ya\u015f\u0131, kat\u0131, cephesi, manzaras\u0131, otopark\u0131, asans\u00f6r\u00fc, tapu niteli\u011fi ve tadilat durumu benzer olmal\u0131d\u0131r.<\/p>\n<p>\u0130lan fiyat\u0131 ger\u00e7ekle\u015fmi\u015f sat\u0131\u015f fiyat\u0131 de\u011fildir. \u00c7ok d\u00fc\u015f\u00fck fiyat bir f\u0131rsat olabilece\u011fi gibi hisseli tapu, kirac\u0131, a\u011f\u0131r tadilat, hukuki sorun veya yanl\u0131\u015f ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm riski de ta\u015f\u0131yabilir.<\/p>\n<p>Metrekare fiyat\u0131 hesaplan\u0131rken t\u00fcm emsallerde ayn\u0131 alan tan\u0131m\u0131 kullan\u0131lmal\u0131d\u0131r. Bir ilanda br\u00fct, di\u011ferinde net alan \u00fczerinden hesap yapmak yanl\u0131\u015f sonuca g\u00f6t\u00fcr\u00fcr.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Net alan\u0131 e\u015fle\u015ftirin<\/li>\n<li>Bina ya\u015f\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n<\/li>\n<li>Kat ve cephe fark\u0131n\u0131 dikkate al\u0131n<\/li>\n<li>Tadilat maliyetini d\u00fc\u015ferek de\u011ferlendirin<\/li>\n<li>\u0130lan s\u00fcresini takip edin<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"fiziksel\">7. Konutun Fiziksel Durumunu Kontrol Edin<\/h2>\n<p>Evi do\u011fal \u0131\u015f\u0131kta ve m\u00fcmk\u00fcnse ya\u011f\u0131\u015f sonras\u0131nda g\u00f6r\u00fcn. Yeni boya; nem, \u00e7atlak veya su izlerini ge\u00e7ici olarak gizleyebilir. Teknik deneyiminiz yoksa m\u00fchendis veya mimardan destek al\u0131n.<\/p>\n<p>Duvar ve tavanda nem, pencere \u00e7evresinde su izi, zeminde e\u011fim, tesisatta koku, d\u00fc\u015f\u00fck su bas\u0131nc\u0131, elektrik panosunda eski veya uygunsuz ekipman, kombi ve peteklerde ar\u0131za olup olmad\u0131\u011f\u0131n\u0131 kontrol edin.<\/p>\n<p>Her \u00e7atlak ta\u015f\u0131y\u0131c\u0131 sistem sorunu de\u011fildir; fakat kolon, kiri\u015f, perde veya birle\u015fim noktalar\u0131ndaki \u00e7atlaklar uzman taraf\u0131ndan de\u011ferlendirilmelidir. Kolon veya kiri\u015fe sonradan m\u00fcdahale edildi\u011fi \u015f\u00fcphesi varsa sat\u0131n alma karar\u0131 teknik inceleme tamamlanmadan verilmemelidir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Nem ve su s\u0131z\u0131nt\u0131s\u0131<\/li>\n<li>Elektrik sistemi<\/li>\n<li>Su ve gider tesisat\u0131<\/li>\n<li>Is\u0131tma sistemi<\/li>\n<li>Pencere ve yal\u0131t\u0131m<\/li>\n<li>Kolon-kiri\u015f m\u00fcdahalesi<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"bina\">8. Bina ve Ortak Alanlar\u0131 \u0130nceleyin<\/h2>\n<p>Daire iyi durumda olsa bile binan\u0131n ortak sorunlar\u0131 y\u00fcksek maliyet do\u011furabilir. \u00c7at\u0131, bodrum, d\u0131\u015f cephe, asans\u00f6r, otopark, su deposu, hidrofor ve yang\u0131n ekipmanlar\u0131n\u0131 inceleyin.<\/p>\n<p>Apartman y\u00f6netiminden g\u00fcncel aidat\u0131, ge\u00e7mi\u015f bor\u00e7lar\u0131, planlanan \u00e7at\u0131 veya asans\u00f6r yenilemesini, y\u00f6netim plan\u0131n\u0131 ve son toplant\u0131 kararlar\u0131n\u0131 sorun. Yakla\u015fan b\u00fcy\u00fck giderler sat\u0131n alma b\u00fct\u00e7enizi etkileyebilir.<\/p>\n<p>D\u00fc\u015f\u00fck aidat her zaman avantaj de\u011fildir. Bak\u0131m\u0131 ertelenen asans\u00f6r, \u00e7at\u0131 veya d\u0131\u015f cephe daha sonra y\u00fcksek toplu \u00f6deme gerektirebilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>\u00c7at\u0131 ve bodrum<\/li>\n<li>Asans\u00f6r ve bak\u0131m kay\u0131tlar\u0131<\/li>\n<li>Yang\u0131n g\u00fcvenli\u011fi<\/li>\n<li>Otopark d\u00fczeni<\/li>\n<li>Yakla\u015fan ortak giderler<\/li>\n<li>Y\u00f6netim plan\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"deprem\">9. Deprem ve Zemin Riskini Ara\u015ft\u0131r\u0131n<\/h2>\n<p>Deprem riski yaln\u0131zca bina ya\u015f\u0131yla \u00f6l\u00e7\u00fclemez. Zemin, ta\u015f\u0131y\u0131c\u0131 sistem, proje uygunlu\u011fu, malzeme kalitesi, sonradan yap\u0131lan m\u00fcdahaleler ve bak\u0131m durumu birlikte de\u011ferlendirilmelidir.<\/p>\n<p>Yap\u0131m ve ruhsat tarihini, zemin et\u00fcd\u00fcn\u00fc, ta\u015f\u0131y\u0131c\u0131 sistem t\u00fcr\u00fcn\u00fc, bodrumdaki su ve korozyon izlerini, riskli yap\u0131 tespiti veya d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecini ara\u015ft\u0131r\u0131n.<\/p>\n<p>DASK poli\u00e7esi binan\u0131n teknik olarak g\u00fcvenli oldu\u011funu g\u00f6stermez; belirli deprem zararlar\u0131na kar\u015f\u0131 sigorta korumas\u0131d\u0131r. Genel risk haritalar\u0131 da belirli bir binaya ili\u015fkin m\u00fchendislik raporu yerine ge\u00e7mez.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Ruhsat ve yap\u0131m y\u0131l\u0131<\/li>\n<li>Zemin et\u00fcd\u00fc<\/li>\n<li>Ta\u015f\u0131y\u0131c\u0131 sistem<\/li>\n<li>Bodrum ve korozyon<\/li>\n<li>Riskli yap\u0131 kayd\u0131<\/li>\n<li>Ba\u011f\u0131ms\u0131z m\u00fchendislik incelemesi<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"tapu\">10. Tapu Kayd\u0131n\u0131 Ayr\u0131nt\u0131l\u0131 Kontrol Edin<\/h2>\n<p>G\u00f6sterilen daire ile tapudaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm\u00fcn ayn\u0131 oldu\u011fundan emin olun. Ada, parsel, blok, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, kat, arsa pay\u0131, nitelik ve malik bilgilerini kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<p>\u0130potek, haciz, ihtiyati tedbir, intifa, oturma hakk\u0131, aile konutu \u015ferhi, sat\u0131\u015f vaadi ve kamula\u015ft\u0131rma gibi kay\u0131tlar\u0131n hukuki etkisi anla\u015f\u0131lmadan \u00f6deme yap\u0131lmamal\u0131d\u0131r.<\/p>\n<p>Kap\u0131 numaras\u0131 ile tapudaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm numaras\u0131 farkl\u0131 kavramlar olabilir. \u00d6zellikle eski binalarda ve b\u00f6l\u00fcnm\u00fc\u015f dairelerde mimari proje \u00fczerinden konum do\u011frulanmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Malik bilgisi<\/li>\n<li>Ada-parsel<\/li>\n<li>Ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm<\/li>\n<li>Arsa pay\u0131<\/li>\n<li>\u0130potek ve haciz<\/li>\n<li>\u015eerh ve beyanlar<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"katmulkiyeti\">11. Kat M\u00fclkiyeti, Kat \u0130rtifak\u0131 ve Arsa Tapusu<\/h2>\n<p>Kat m\u00fclkiyeti, tamamlanm\u0131\u015f yap\u0131da ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm m\u00fclkiyetidir. Kat irtifak\u0131, yap\u0131lmakta veya ileride yap\u0131lacak yap\u0131n\u0131n ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmleri i\u00e7in arsa pay\u0131na ba\u011fl\u0131 hakt\u0131r.<\/p>\n<p>Bina tamamlanm\u0131\u015f halde h\u00e2l\u00e2 kat irtifakl\u0131ysa iskan ve projeye uygunluk ayr\u0131ca ara\u015ft\u0131r\u0131lmal\u0131d\u0131r. Kat m\u00fclkiyeti bulunmas\u0131 da ta\u015f\u0131nmaz\u0131n t\u00fcm hukuki ve teknik risklerden ar\u0131nm\u0131\u015f oldu\u011fu anlam\u0131na gelmez.<\/p>\n<p>Arsa hisseli sat\u0131\u015fta belirli bir dairenin ba\u011f\u0131ms\u0131z tapusu yerine arsadaki pay devrediliyor olabilir. Hissedar ili\u015fkileri, fiili kullan\u0131m, \u00f6nal\u0131m ve krediye uygunluk gibi riskler uzman incelemesi gerektirir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Kat m\u00fclkiyeti<\/li>\n<li>Kat irtifak\u0131<\/li>\n<li>Arsa hissesi<\/li>\n<li>Fiili kullan\u0131m<\/li>\n<li>Krediye uygunluk<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ruhsat-iskan\">12. Yap\u0131 Ruhsat\u0131 ve \u0130skan Belgesi<\/h2>\n<p>Yap\u0131 ruhsat\u0131, yap\u0131n\u0131n onayl\u0131 proje ve mevzuat \u00e7er\u00e7evesinde in\u015fa edilmesine izin veren belgedir. Yap\u0131 kullanma izin belgesi, yayg\u0131n ad\u0131yla iskan, tamamlanan yap\u0131n\u0131n resmi kullan\u0131m durumuyla ilgilidir.<\/p>\n<p>Sat\u0131c\u0131n\u0131n \u201ciskan ba\u015fvurusu yap\u0131ld\u0131\u201d demesi, iskan al\u0131nd\u0131\u011f\u0131 anlam\u0131na gelmez. Belgenin tarihini, kapsad\u0131\u011f\u0131 blok ve yap\u0131y\u0131 ilgili belediyeden do\u011frulay\u0131n. Yap\u0131 kay\u0131t belgesi ile iskan ayn\u0131 belge de\u011fildir.<\/p>\n<p>\u0130skans\u0131z evin riski; iskan al\u0131nmama nedeni, ruhsat, projeye uygunluk, belediye kay\u0131tlar\u0131 ve kredi durumu birlikte de\u011ferlendirilerek anla\u015f\u0131labilir. Fiyat avantaj\u0131 belge eksikli\u011fini otomatik olarak telafi etmez.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Ruhsat tarihi<\/li>\n<li>\u0130skan\u0131n kapsam\u0131<\/li>\n<li>Projeye uygunluk<\/li>\n<li>Kat m\u00fclkiyetine ge\u00e7i\u015f<\/li>\n<li>Abonelik durumu<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"imar\">13. \u0130mar ve Projeye Ayk\u0131r\u0131l\u0131k Kontrolleri<\/h2>\n<p>Parselin imar plan\u0131ndaki kullan\u0131m t\u00fcr\u00fc, yap\u0131la\u015fma ko\u015fullar\u0131 ve gelecekteki kamu projeleri ta\u015f\u0131nmaz\u0131n de\u011ferini etkileyebilir. Yol geni\u015fletme, ye\u015fil alan veya kamula\u015ft\u0131rma ihtimali ilgili idareden ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<p>Balkonun odaya kat\u0131lmas\u0131, ortak alan\u0131n daireye eklenmesi, \u00e7at\u0131 aras\u0131n\u0131n kullan\u0131ma a\u00e7\u0131lmas\u0131, dairenin b\u00f6l\u00fcnmesi veya ta\u015f\u0131y\u0131c\u0131 elemana m\u00fcdahale edilmesi projeye ayk\u0131r\u0131l\u0131k olu\u015fturabilir.<\/p>\n<p>\u201cBinadaki herkes yapt\u0131\u201d ifadesi hukuki uygunluk sa\u011flamaz. Fiili kullan\u0131m ile onayl\u0131 mimari proje aras\u0131ndaki farklar kredi, sigorta, belediye ve ileride sat\u0131\u015f s\u00fcre\u00e7lerinde sorun yaratabilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Mimari projeyi g\u00f6r\u00fcn<\/li>\n<li>Balkon ve eklentileri kontrol edin<\/li>\n<li>Ortak alan i\u015fgalini ara\u015ft\u0131r\u0131n<\/li>\n<li>Ta\u015f\u0131y\u0131c\u0131 m\u00fcdahalesini inceletin<\/li>\n<li>\u0130mar plan\u0131n\u0131 do\u011frulay\u0131n<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"metrekare\">14. Net ve Br\u00fct Metrekare Fark\u0131n\u0131 Do\u011frulay\u0131n<\/h2>\n<p>\u0130lanlarda br\u00fct alana ortak alanlar\u0131n hangi \u00f6l\u00e7\u00fcde dahil edildi\u011fi de\u011fi\u015febilir. G\u00fcnl\u00fck kullan\u0131m a\u00e7\u0131s\u0131ndan net alan daha a\u00e7\u0131klay\u0131c\u0131d\u0131r; fakat net ve br\u00fct tan\u0131mlar\u0131n\u0131n hangi belgeye dayand\u0131\u011f\u0131 sorulmal\u0131d\u0131r.<\/p>\n<p>Onayl\u0131 mimari proje, ekspertiz \u00f6l\u00e7\u00fcm\u00fc ve yerinde \u00f6l\u00e7\u00fcm kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r. Salon ve odalar\u0131n en-boy \u00f6l\u00e7\u00fclerini almak, kullan\u0131\u015fl\u0131l\u0131k a\u00e7\u0131s\u0131ndan toplam metrekareden daha anlaml\u0131 olabilir.<\/p>\n<p>Ayn\u0131 \u201c120 m\u00b2\u201d ifadesine sahip iki dairenin kullan\u0131labilir alan\u0131 ciddi bi\u00e7imde farkl\u0131 olabilir. Koridor, duvar, balkon, depo ve ortak alanlar\u0131n hesaba nas\u0131l kat\u0131ld\u0131\u011f\u0131n\u0131 \u00f6\u011frenin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Projedeki alan<\/li>\n<li>Ekspertiz alan\u0131<\/li>\n<li>Yerinde \u00f6l\u00e7\u00fcm<\/li>\n<li>Balkon ve depo<\/li>\n<li>Ortak alan pay\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ekspertiz\">15. Ekspertiz Raporunu Do\u011fru Okuyun<\/h2>\n<p>Ekspertiz raporu yaln\u0131zca fiyat belgesi de\u011fildir. Tapu, imar, proje, mevcut kullan\u0131m, emsaller ve piyasa de\u011feri hakk\u0131nda \u00f6nemli bilgiler i\u00e7erebilir; ancak kapsaml\u0131 statik analiz veya hukuki g\u00f6r\u00fc\u015f yerine ge\u00e7mez.<\/p>\n<p>Rapordaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, adres ve tapu bilgilerinin do\u011fru oldu\u011funu; yasal alan ile mevcut alan aras\u0131nda fark bulunup bulunmad\u0131\u011f\u0131n\u0131; projeye ayk\u0131r\u0131 eklentilerin belirtilip belirtilmedi\u011fini kontrol edin.<\/p>\n<p>Bankan\u0131n yapt\u0131rd\u0131\u011f\u0131 rapor bankan\u0131n teminat karar\u0131na y\u00f6neliktir. Al\u0131c\u0131n\u0131n \u00f6zel risklerini b\u00fct\u00fcn\u00fcyle ara\u015ft\u0131rmayabilir. Y\u00fcksek bedelli i\u015flemlerde ba\u011f\u0131ms\u0131z teknik ve hukuki inceleme ek g\u00fcvence sa\u011flar.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Tapu bilgileri<\/li>\n<li>Yasal ve mevcut alan<\/li>\n<li>Emsaller<\/li>\n<li>Piyasa de\u011feri<\/li>\n<li>Projeye ayk\u0131r\u0131l\u0131k<\/li>\n<li>Krediye uygunluk<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"borclar\">16. Aidat, Vergi ve Abonelik Bor\u00e7lar\u0131n\u0131 Kontrol Edin<\/h2>\n<p>Apartman veya site y\u00f6netiminden yaz\u0131l\u0131 bor\u00e7 durumu al\u0131n. Aidat d\u0131\u015f\u0131nda ortak gider avans\u0131, ge\u00e7mi\u015f d\u00f6nem bak\u0131m borcu veya kararla\u015ft\u0131r\u0131lm\u0131\u015f ek \u00f6deme bulunabilir.<\/p>\n<p>Emlak vergisi, belediye kaynakl\u0131 bor\u00e7lar, elektrik, su ve do\u011falgaz abonelik durumu ile saya\u00e7 de\u011ferlerini teslim \u00f6ncesinde kontrol edin.<\/p>\n<p>Hangi borcun kime ait oldu\u011fu borcun t\u00fcr\u00fcne ve d\u00f6neme g\u00f6re de\u011fi\u015febilir. En g\u00fcvenli y\u00f6ntem, sat\u0131\u015f \u00f6ncesi bor\u00e7lar\u0131n kapat\u0131lmas\u0131 ve teslim tutana\u011f\u0131nda saya\u00e7larla birlikte a\u00e7\u0131k\u00e7a yaz\u0131lmas\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Aidat<\/li>\n<li>Ortak gider avans\u0131<\/li>\n<li>Emlak vergisi<\/li>\n<li>Elektrik-su-do\u011falgaz<\/li>\n<li>Saya\u00e7 de\u011ferleri<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kiraci\">17. Kirac\u0131l\u0131 Ev Al\u0131rken Dikkat Edilecekler<\/h2>\n<p>Kirac\u0131l\u0131 bir konut sat\u0131n al\u0131nd\u0131\u011f\u0131nda mevcut kira ili\u015fkisi kendili\u011finden yok olmaz. Kira s\u00f6zle\u015fmesi, depozito, \u00f6deme d\u00fczeni, tahliye taahh\u00fcd\u00fc iddias\u0131 ve devam eden uyu\u015fmazl\u0131klar incelenmelidir.<\/p>\n<p>\u201cKirac\u0131 hemen \u00e7\u0131kar\u201d \u015feklindeki s\u00f6zl\u00fc beyanla oturum plan\u0131 yapmay\u0131n. Tahliye ko\u015fullar\u0131 somut olaya g\u00f6re de\u011fi\u015fir ve hukuki s\u00fcre\u00e7 zaman alabilir.<\/p>\n<p>Sat\u0131c\u0131dan yaz\u0131l\u0131 kira s\u00f6zle\u015fmesini, \u00f6deme kay\u0131tlar\u0131n\u0131, depozito tutar\u0131n\u0131, ek protokolleri ve varsa ihtar veya dava bilgilerini isteyin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Kira s\u00f6zle\u015fmesi<\/li>\n<li>Depozito<\/li>\n<li>Tahliye taahh\u00fcd\u00fc<\/li>\n<li>\u00d6deme kay\u0131tlar\u0131<\/li>\n<li>Devam eden dava<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kapora\">18. Kapora Vermeden \u00d6nce Yap\u0131lacaklar<\/h2>\n<p>Kapora, aceleyle ve belgesiz verildi\u011finde ciddi uyu\u015fmazl\u0131k do\u011furabilir. Malik, tapu, ta\u015f\u0131nmaz ve sat\u0131\u015f ko\u015fullar\u0131 do\u011frulanmadan \u00f6deme yap\u0131lmamal\u0131d\u0131r.<\/p>\n<p>\u00d6deme m\u00fcmk\u00fcnse a\u00e7\u0131klamal\u0131 banka transferiyle g\u00f6nderilmeli; belgede taraflar\u0131n kimlikleri, ta\u015f\u0131nmaz bilgileri, sat\u0131\u015f bedeli, tapu tarihi, kredi ve ekspertiz \u015fartlar\u0131 ile vazge\u00e7me halinde sonu\u00e7lar yaz\u0131lmal\u0131d\u0131r.<\/p>\n<p>\u201cBa\u015fka al\u0131c\u0131 var, hemen \u00f6deme yap\u0131n\u201d bask\u0131s\u0131 doland\u0131r\u0131c\u0131l\u0131k veya hatal\u0131 karar riskini art\u0131r\u0131r. Tapu sahibini ve yetkiyi do\u011frulamadan arac\u0131ya ya da \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye para g\u00f6ndermeyin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Taraflar\u0131n kimli\u011fi<\/li>\n<li>Ta\u015f\u0131nmaz\u0131n tam bilgisi<\/li>\n<li>Toplam sat\u0131\u015f bedeli<\/li>\n<li>Kredi ko\u015fulu<\/li>\n<li>Tapu tarihi<\/li>\n<li>Vazge\u00e7me halinde sonu\u00e7<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"pazarlik\">19. Pazarl\u0131k Stratejisi<\/h2>\n<p>Pazarl\u0131k rastgele d\u00fc\u015f\u00fck teklif vermek de\u011fil, veriye dayal\u0131 fiyat g\u00f6r\u00fc\u015fmesidir. Emsal ilanlar, ekspertiz, tadilat ihtiyac\u0131, tapu niteli\u011fi, aidat, kirac\u0131 durumu ve ilan s\u00fcresi pazarl\u0131k zemini olu\u015fturur.<\/p>\n<p>Tadilat ihtiya\u00e7lar\u0131 i\u00e7in yaz\u0131l\u0131 maliyet tahmini al\u0131n. Eksik belge veya hukuki risk varsa yaln\u0131zca indirim almak yerine riskin tamamen giderilmesini talep etmek daha do\u011fru olabilir.<\/p>\n<p>Fiyat \u00fczerinde anla\u015f\u0131nca tapu masraf\u0131 payla\u015f\u0131m\u0131, teslim tarihi, ta\u015f\u0131nacak e\u015fyalar, bor\u00e7lar\u0131n kapat\u0131lmas\u0131 ve \u00f6deme y\u00f6ntemi de yaz\u0131l\u0131 hale getirilmelidir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Emsal fiyatlar<\/li>\n<li>Ekspertiz de\u011feri<\/li>\n<li>Tadilat maliyeti<\/li>\n<li>\u0130lan s\u00fcresi<\/li>\n<li>Teslim ko\u015fullar\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"masraflar\">20. 2026 Ev Sat\u0131n Alma Masraflar\u0131<\/h2>\n<p>Tapu ve Kadastro Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fcn\u00fcn g\u00fcncel a\u00e7\u0131klamas\u0131na g\u00f6re sat\u0131\u015f bedeli \u00fczerinden al\u0131c\u0131 ve sat\u0131c\u0131 i\u00e7in ayr\u0131 ayr\u0131 binde 20 tapu harc\u0131 hesaplan\u0131r; toplam oran binde 40, yani y\u00fczde 4 olur. Beyan edilen bedelin ilgili belediye emlak vergisi de\u011ferinden d\u00fc\u015f\u00fck olmamas\u0131 gerekir.<\/p>\n<p>D\u00f6ner sermaye \u00fccreti tapu harc\u0131ndan ayr\u0131 bir kalemdir ve TKGM taraf\u0131ndan yay\u0131mlanan y\u0131ll\u0131k tarifeye ve i\u015flem \u00f6zelliklerine g\u00f6re belirlenir. 2026 tarifesi 1 Ocak 2026 itibar\u0131yla y\u00fcr\u00fcrl\u00fcktedir.<\/p>\n<p>Emlak hizmet bedeli, ekspertiz, kredi, sigorta, tadilat ve ta\u015f\u0131nma giderleri toplam b\u00fct\u00e7eye eklenmelidir. Resmi tutarlar i\u015flem g\u00fcn\u00fcnde do\u011frulanmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Tapu harc\u0131<\/li>\n<li>D\u00f6ner sermaye<\/li>\n<li>Emlak hizmet bedeli<\/li>\n<li>Ekspertiz<\/li>\n<li>Kredi giderleri<\/li>\n<li>DASK ve sigortalar<\/li>\n<li>Tadilat ve ta\u015f\u0131nma<\/li>\n<\/ul>\n<table border=\"1\" cellpadding=\"9\" cellspacing=\"0\" width=\"100%\">\n<tr>\n<th>Masraf<\/th>\n<th>A\u00e7\u0131klama<\/th>\n<\/tr>\n<tr>\n<td>Tapu harc\u0131<\/td>\n<td>Sat\u0131\u015f bedeli \u00fczerinden al\u0131c\u0131 ve sat\u0131c\u0131 i\u00e7in ayr\u0131 ayr\u0131 binde 20.<\/td>\n<\/tr>\n<tr>\n<td>D\u00f6ner sermaye<\/td>\n<td>TKGM y\u0131ll\u0131k tarifesine ve i\u015flem \u00f6zelliklerine g\u00f6re.<\/td>\n<\/tr>\n<tr>\n<td>Emlak hizmet bedeli<\/td>\n<td>S\u00f6zle\u015fme ve g\u00fcncel yasal s\u0131n\u0131rlar \u00e7er\u00e7evesinde.<\/td>\n<\/tr>\n<tr>\n<td>Ekspertiz ve kredi<\/td>\n<td>Banka ve ta\u015f\u0131nmaz \u00f6zelliklerine g\u00f6re.<\/td>\n<\/tr>\n<tr>\n<td>DASK ve sigortalar<\/td>\n<td>Yap\u0131, konum ve teminatlara g\u00f6re.<\/td>\n<\/tr>\n<tr>\n<td>Tadilat-ta\u015f\u0131nma<\/td>\n<td>Konutun durumuna g\u00f6re ayr\u0131ca b\u00fct\u00e7elenir.<\/td>\n<\/tr>\n<\/table>\n<p><strong>\u00d6rnek:<\/strong> 5.000.000 TL ger\u00e7ek sat\u0131\u015f bedelinde toplam y\u00fczde 4 tapu harc\u0131 200.000 TL olur; kanuni da\u011f\u0131l\u0131m esas al\u0131nd\u0131\u011f\u0131nda al\u0131c\u0131 ve sat\u0131c\u0131 pay\u0131 ayr\u0131 ayr\u0131 100.000 TL’dir. D\u00f6ner sermaye ve di\u011fer giderler bu \u00f6rne\u011fe dahil de\u011fildir.<\/p>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"tapu-islemi\">21. Tapu Devri G\u00fcn\u00fc Yap\u0131lacaklar<\/h2>\n<p>Randevu \u00f6ncesinde kimlik, temsil, DASK, vergi ve i\u015flem belgelerinin tamamland\u0131\u011f\u0131n\u0131 teyit edin. Resmi bildirimlerdeki ba\u015fvuru ve \u00f6deme bilgilerini kurumun g\u00fcvenli kanallar\u0131ndan do\u011frulay\u0131n.<\/p>\n<p>Tapu senedindeki ta\u015f\u0131nmaz, malik, al\u0131c\u0131, sat\u0131\u015f bedeli ve ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm bilgilerini imzadan \u00f6nce tekrar okuyun. Yanl\u0131\u015fl\u0131k g\u00f6r\u00fcrseniz i\u015flem tamamlanmadan d\u00fczeltme isteyin.<\/p>\n<p>\u00d6deme ak\u0131\u015f\u0131 \u00f6nceden planlanmal\u0131d\u0131r. Y\u00fcksek tutarl\u0131 nakit ta\u015f\u0131mak yerine bankac\u0131l\u0131k sistemi ve g\u00fcvenli \u00f6deme y\u00f6ntemleri kullan\u0131lmal\u0131; transfer a\u00e7\u0131klamas\u0131 a\u00e7\u0131k yaz\u0131lmal\u0131 ve dekont saklanmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Kimlik ve yetki<\/li>\n<li>DASK<\/li>\n<li>Tapu bilgileri<\/li>\n<li>Resmi har\u00e7 \u00f6demesi<\/li>\n<li>G\u00fcvenli para transferi<\/li>\n<li>Dekont ve belgeler<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"teslim\">22. Anahtar Teslimi ve Sat\u0131n Alma Sonras\u0131<\/h2>\n<p>Tapu devri ile fiili teslim ayn\u0131 anda olmayabilir. Teslim tarihi, anahtar say\u0131s\u0131, saya\u00e7 de\u011ferleri, ta\u015f\u0131nmazda kalacak e\u015fyalar, hasarlar ve bor\u00e7 durumu yaz\u0131l\u0131 tutanakla belirlenmelidir.<\/p>\n<p>Elektrik, su, do\u011falgaz ve internet aboneliklerini kendi ad\u0131n\u0131za al\u0131n. DASK ve ihtiyaca uygun konut sigortas\u0131n\u0131 g\u00fcncelleyin. Apartman y\u00f6netimine malik de\u011fi\u015fikli\u011fini bildirin.<\/p>\n<p>Sat\u0131n alma sonras\u0131nda tapu, dekont, s\u00f6zle\u015fme, ekspertiz, sigorta ve teslim tutana\u011f\u0131n\u0131 g\u00fcvenli bi\u00e7imde saklay\u0131n. \u0130lk g\u00fcnlerde kilit de\u011fi\u015fimi ve temel g\u00fcvenlik kontrolleri yap\u0131labilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Teslim tutana\u011f\u0131<\/li>\n<li>Saya\u00e7 de\u011ferleri<\/li>\n<li>Anahtarlar<\/li>\n<li>Abonelikler<\/li>\n<li>Sigortalar<\/li>\n<li>Y\u00f6netim bildirimi<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"yatirim\">23. Yat\u0131r\u0131m \u0130\u00e7in Ev Al\u0131rken Ek Kontroller<\/h2>\n<p>Yat\u0131r\u0131m konutunda br\u00fct kira de\u011fil net kira getirisi \u00f6nemlidir. Aidat, bak\u0131m, bo\u015f kalma, vergi, sigorta ve tadilat giderleri gelirden d\u00fc\u015f\u00fclmelidir.<\/p>\n<p>Kira talebi g\u00fc\u00e7l\u00fc daire tipi, b\u00f6lgedeki kirac\u0131 profili, ortalama kiralanma s\u00fcresi ve benzer konutlar\u0131n sat\u0131\u015f likiditesi ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<p>Gelecekteki de\u011fer art\u0131\u015f\u0131 tahmindir. Resmi plan ve projeleri do\u011frulamadan yaln\u0131zca s\u00f6ylentiye dayal\u0131 yat\u0131r\u0131m yap\u0131lmamal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Net kira getirisi<\/li>\n<li>Bo\u015f kalma riski<\/li>\n<li>Aidat oran\u0131<\/li>\n<li>Kirac\u0131 talebi<\/li>\n<li>Sat\u0131\u015f likiditesi<\/li>\n<li>B\u00f6lgesel geli\u015fim<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"yeni-konut\">24. S\u0131f\u0131r ve Projeden Konut Al\u0131rken Dikkat Edilecekler<\/h2>\n<p>Projeden sat\u0131\u015fta yaln\u0131zca \u00f6rnek daireye ve bro\u015f\u00fcre g\u00fcvenmeyin. Arsa tapusu, ruhsat, proje, teslim tarihi, teknik \u015fartname, ortak alanlar ve sat\u0131c\u0131n\u0131n mali ve hukuki durumu ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<p>S\u00f6zle\u015fmede ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm\u00fcn konumu, net alan\u0131, malzeme markalar\u0131 veya kalite standard\u0131, teslim tarihi, gecikme halinde sonu\u00e7lar, aidat tahmini ve cayma ko\u015fullar\u0131 a\u00e7\u0131k\u00e7a yaz\u0131lmal\u0131d\u0131r.<\/p>\n<p>Maket ve reklam g\u00f6rselleri ba\u011flay\u0131c\u0131 teknik \u015fartname yerine ge\u00e7mez. S\u00f6zle\u015fmedeki de\u011fi\u015fiklik yetkilerinin kapsam\u0131n\u0131 dikkatle okuyun.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Arsa ve ruhsat<\/li>\n<li>Teknik \u015fartname<\/li>\n<li>Net alan<\/li>\n<li>Teslim tarihi<\/li>\n<li>Gecikme cezas\u0131<\/li>\n<li>Ortak alanlar<\/li>\n<li>Sat\u0131c\u0131 ara\u015ft\u0131rmas\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ikinci-el\">25. \u0130kinci El Ev Al\u0131rken Dikkat Edilecekler<\/h2>\n<p>\u0130kinci el konutta ge\u00e7mi\u015f kullan\u0131m, tadilat, tesisat \u00f6mr\u00fc, kirac\u0131, aidat borcu ve bina bak\u0131m ge\u00e7mi\u015fi daha fazla \u00f6nem ta\u015f\u0131r.<\/p>\n<p>Sat\u0131c\u0131dan b\u00fcy\u00fck tadilat faturalar\u0131n\u0131 ve m\u00fcmk\u00fcnse cihaz bak\u0131m kay\u0131tlar\u0131n\u0131 isteyin. Kombi, klima, ankastre ve sabit e\u015fyalar\u0131n sat\u0131\u015fa dahil olup olmad\u0131\u011f\u0131n\u0131 yaz\u0131l\u0131la\u015ft\u0131r\u0131n.<\/p>\n<p>Eski binalarda elektrik ve su tesisat\u0131n\u0131n yenilenme durumunu, \u00e7at\u0131 ve d\u0131\u015f cephe masraflar\u0131n\u0131, asans\u00f6r uygunlu\u011funu ve deprem a\u00e7\u0131s\u0131ndan teknik inceleme ihtiyac\u0131n\u0131 ayr\u0131ca de\u011ferlendirin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Tesisat ya\u015f\u0131<\/li>\n<li>Tadilat ge\u00e7mi\u015fi<\/li>\n<li>Sabit e\u015fyalar<\/li>\n<li>Bina bak\u0131m\u0131<\/li>\n<li>Bor\u00e7lar<\/li>\n<li>Teknik inceleme<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kontrol-listesi\">26. Ev Sat\u0131n Alma Kontrol Listesi<\/h2>\n<p>A\u015fa\u011f\u0131daki liste, kapora ve tapu \u00f6ncesinde temel kontrolleri tek sayfada g\u00f6rmenizi sa\u011flar. Her madde t\u00fcm ta\u015f\u0131nmazlar i\u00e7in yeterli olmayabilir; somut duruma g\u00f6re uzman kontrol\u00fc eklenmelidir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Sat\u0131c\u0131 ve malik do\u011fruland\u0131<\/li>\n<li>Tapu ve ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm e\u015fle\u015fti<\/li>\n<li>Takyidatlar incelendi<\/li>\n<li>Kat m\u00fclkiyeti\/irtifak\u0131 \u00f6\u011frenildi<\/li>\n<li>Ruhsat ve iskan do\u011fruland\u0131<\/li>\n<li>Mimari proje ile fiili durum kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131<\/li>\n<li>Net alan \u00f6l\u00e7\u00fcld\u00fc<\/li>\n<li>Teknik inceleme yap\u0131ld\u0131<\/li>\n<li>Deprem ve zemin riski ara\u015ft\u0131r\u0131ld\u0131<\/li>\n<li>Ekspertiz okundu<\/li>\n<li>Aidat ve bor\u00e7lar kontrol edildi<\/li>\n<li>Kirac\u0131 durumu incelendi<\/li>\n<li>Toplam masraf hesapland\u0131<\/li>\n<li>Kapora s\u00f6zle\u015fmesi yaz\u0131l\u0131 haz\u0131rland\u0131<\/li>\n<li>\u00d6deme ve teslim plan\u0131 olu\u015fturuldu<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"hatalar\">27. Ev Al\u0131rken En S\u0131k Yap\u0131lan Hatalar<\/h2>\n<p>En yayg\u0131n hata, dekorasyonun etkisiyle hukuki ve teknik kontrolleri ikinci plana atmakt\u0131r. Yeni mutfak veya boya, tapu ve ta\u015f\u0131y\u0131c\u0131 sistem sorununu ortadan kald\u0131rmaz.<\/p>\n<p>Sadece bir kez ve g\u00fcnd\u00fcz g\u00f6r\u00fclen ev hakk\u0131nda acele karar vermek; \u00e7evre g\u00fcr\u00fclt\u00fcs\u00fc, otopark, kom\u015fuluk ve ula\u015f\u0131m sorunlar\u0131n\u0131n g\u00f6zden ka\u00e7mas\u0131na neden olabilir.<\/p>\n<p>Belgesiz kapora vermek, d\u00fc\u015f\u00fck tapu bedeli beyan etmek, ekspertizi teknik g\u00fcvenlik raporu sanmak, kirac\u0131n\u0131n hemen \u00e7\u0131kaca\u011f\u0131n\u0131 varsaymak ve t\u00fcm nakdi sat\u0131\u015f bedeline ay\u0131rmak di\u011fer s\u0131k hatalard\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Acele karar vermek<\/li>\n<li>Belgesiz kapora<\/li>\n<li>Tapuyu y\u00fczeysel kontrol etmek<\/li>\n<li>Sadece ilan metnine g\u00fcvenmek<\/li>\n<li>Toplam maliyeti hesaplamamak<\/li>\n<li>Teknik incelemeyi atlamak<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"sss\">28. S\u0131k Sorulan Sorular<\/h2>\n<h3>Ev al\u0131rken ilk olarak neye bak\u0131lmal\u0131?<\/h3>\n<p>\u00d6nce ihtiya\u00e7 ve b\u00fct\u00e7e belirlenmeli; ard\u0131ndan malik, tapu, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, iskan, proje, teknik durum ve toplam maliyet birlikte kontrol edilmelidir.<\/p>\n<h3>Kapora ne zaman verilmelidir?<\/h3>\n<p>Malik ve yetki do\u011fruland\u0131ktan, temel tapu belgeleri g\u00f6r\u00fcld\u00fckten ve \u015fartlar\u0131 a\u00e7\u0131k yaz\u0131l\u0131 bir belge haz\u0131rland\u0131ktan sonra verilmelidir.<\/p>\n<h3>Kat irtifakl\u0131 ev al\u0131n\u0131r m\u0131?<\/h3>\n<p>Al\u0131nabilir; ancak bina tamamlanm\u0131\u015fsa iskan, projeye uygunluk ve kat m\u00fclkiyetine ge\u00e7ilmeme nedeni ayr\u0131ca ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<h3>\u0130skans\u0131z ev al\u0131n\u0131r m\u0131?<\/h3>\n<p>Tek bir cevap yoktur. \u0130skan al\u0131nmama nedeni, ruhsat, proje, belediye kay\u0131tlar\u0131 ve kredi durumu uzmanlarla incelenmeden karar verilmemelidir.<\/p>\n<h3>Ekspertiz raporu yeterli midir?<\/h3>\n<p>Hay\u0131r. Ekspertiz de\u011ferleme amac\u0131 ta\u015f\u0131r; kapsaml\u0131 statik analiz ve hukuki inceleme yerine ge\u00e7mez.<\/p>\n<h3>DASK binan\u0131n depreme dayan\u0131kl\u0131 oldu\u011funu g\u00f6sterir mi?<\/h3>\n<p>Hay\u0131r. DASK sigorta korumas\u0131d\u0131r; binan\u0131n ta\u015f\u0131y\u0131c\u0131 g\u00fcvenli\u011fini onaylayan m\u00fchendislik raporu de\u011fildir.<\/p>\n<h3>Tapu harc\u0131n\u0131 kim \u00f6der?<\/h3>\n<p>Kanuni hesap al\u0131c\u0131 ve sat\u0131c\u0131 i\u00e7in ayr\u0131 ayr\u0131 binde 20 \u015feklindedir. Taraflar\u0131n fiili \u00f6deme payla\u015f\u0131m\u0131 anla\u015fmaya konu olabilir; resmi tahakkuk ve sorumluluk i\u015flem \u00f6ncesinde do\u011frulanmal\u0131d\u0131r.<\/p>\n<h3>Evde kirac\u0131 varsa sat\u0131n al\u0131nabilir mi?<\/h3>\n<p>Evet; ancak mevcut kira ili\u015fkisi, depozito, tahliye ko\u015fullar\u0131 ve varsa dava dosyalar\u0131 incelenmelidir.<\/p>\n<h3>Net metrekare nas\u0131l do\u011frulan\u0131r?<\/h3>\n<p>Onayl\u0131 mimari proje, ekspertiz raporu ve yerinde \u00f6l\u00e7\u00fcm kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<h3>Ev ka\u00e7 kez g\u00f6r\u00fclmeli?<\/h3>\n<p>M\u00fcmk\u00fcnse farkl\u0131 g\u00fcn ve saatlerde en az iki kez g\u00f6r\u00fclmeli; son ziyarette teknik kontrol ve teslim edilecek e\u015fyalar ayr\u0131nt\u0131l\u0131 incelenmelidir.<\/p>\n<h3>Sat\u0131\u015f bedeli tapuda d\u00fc\u015f\u00fck g\u00f6sterilebilir mi?<\/h3>\n<p>Ger\u00e7ek sat\u0131\u015f bedelinden d\u00fc\u015f\u00fck beyan vergi, har\u00e7 ve ispat sorunlar\u0131 do\u011furabilir. Resmi kurallara uygun ger\u00e7ek bedel esas al\u0131nmal\u0131d\u0131r.<\/p>\n<h3>Ev al\u0131rken avukat gerekli mi?<\/h3>\n<p>Her i\u015flemde zorunlu de\u011fildir; ancak y\u00fcksek bedel, vek\u00e2let, miras, hisseli tapu, ipotek, kirac\u0131 veya proje sorunu varsa uzman hukuki destek g\u00fc\u00e7l\u00fc bi\u00e7imde \u00f6nerilir.<\/p>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"sonuc\">29. Sonu\u00e7: Ev Al\u0131rken Acele De\u011fil, Do\u011frulama Kazand\u0131r\u0131r<\/h2>\n<p>Ev al\u0131rken en do\u011fru yakla\u015f\u0131m; be\u011feni, fiyat, hukuk, teknik g\u00fcvenlik ve finansman\u0131 ayn\u0131 anda de\u011ferlendirmektir. \u0130yi g\u00f6r\u00fcnen fakat tapusu, projesi veya ta\u015f\u0131y\u0131c\u0131 sistemi sorunlu bir konut uzun y\u0131llar s\u00fcren maliyet ve uyu\u015fmazl\u0131k do\u011furabilir. Buna kar\u015f\u0131l\u0131k belgeleri do\u011frulanm\u0131\u015f, ger\u00e7ek piyasa de\u011feri ara\u015ft\u0131r\u0131lm\u0131\u015f ve toplam maliyeti hesaplanm\u0131\u015f bir konut daha g\u00fcvenli karar zemini sa\u011flar.<\/p>\n<p>Kapora vermeden \u00f6nce malik ve tapu kontrol\u00fc yap\u0131n; iskan ve proje bilgilerini do\u011frulay\u0131n; evi farkl\u0131 saatlerde g\u00f6r\u00fcn; teknik \u015f\u00fcpheleri uzman incelemesine b\u0131rak\u0131n; kredi ve t\u00fcm yan giderleri ayn\u0131 b\u00fct\u00e7ede hesaplay\u0131n; \u00f6deme ve teslim ko\u015fullar\u0131n\u0131 yaz\u0131l\u0131la\u015ft\u0131r\u0131n.<\/p>\n<div style=\"background:#fff8e1;border:1px solid #f2c300;padding:20px;margin:28px 0;border-radius:8px;\">\n<h3>Sar\u0131Sayfalar.com’da Sat\u0131l\u0131k Ev \u0130lanlar\u0131n\u0131 \u0130nceleyin<\/h3>\n<p>Sar\u0131Sayfalar.com, emlak, ara\u00e7, i\u015f ve ikinci el kategorilerinde kullan\u0131c\u0131lar\u0131 ilanlarla bulu\u015fturan yeni nesil ilan platformudur. B\u00fct\u00e7enize ve arad\u0131\u011f\u0131n\u0131z b\u00f6lgeye uygun sat\u0131l\u0131k konut ilanlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rabilir, kendi ilan\u0131n\u0131z\u0131 yay\u0131nlayabilirsiniz.<\/p>\n<p><strong>\u0130lanlar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken bu rehberdeki kontrol listesini kullanmay\u0131 unutmay\u0131n.<\/strong><\/p>\n<\/div>\n<h2>Resmi Kaynaklar ve G\u00fcncelleme Notu<\/h2>\n<ul>\n<li>Tapu ve Kadastro Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc: Tapu sat\u0131\u015f harc\u0131 ve tapu i\u015flemleri hakk\u0131nda g\u00fcncel resmi a\u00e7\u0131klamalar.<\/li>\n<li>TKGM 2026 D\u00f6ner Sermaye Tarifesi: 1 Ocak 2026 itibar\u0131yla y\u00fcr\u00fcrl\u00fckteki tarife.<\/li>\n<li>e-Devlet \/ Web Tapu: Tapu bilgileri ve Web Tapu i\u015flemleri.<\/li>\n<li>Do\u011fal Afet Sigortalar\u0131 Kurumu: DASK kapsam\u0131, tarife ve genel \u015fartlar.<\/li>\n<\/ul>\n<p><em>Resmi \u00fccretler, sigorta limitleri ve i\u015flem uygulamalar\u0131 de\u011fi\u015febilir. Yay\u0131nlamadan ve i\u015flem yapmadan \u00f6nce g\u00fcncel resmi kaynaklar yeniden kontrol edilmelidir.<\/em><\/p>\n<\/article>\n<p><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve…","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[326],"tags":[484,482,363,406,485,480,481,403,401,405,397,243,399,400,483],"class_list":["post-1163","post","type-post","status-publish","format-standard","category-emlak-rehberi","tag-dask","tag-deprem-riski","tag-ekspertiz-raporu","tag-emlak-rehberi","tag-emlak-vergisi","tag-ev-alirken-dikkat-edilmesi-gerekenler","tag-ev-satin-alma-rehberi","tag-iskan-belgesi","tag-kat-mulkiyeti","tag-konut-kredisi","tag-konut-satin-alma","tag-sarisayfalar","tag-satilik-daire","tag-tapu-islemleri","tag-tapu-masrafi","cs-entry"],"_links":{"self":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts\/1163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/comments?post=1163"}],"version-history":[{"count":3,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts\/1163\/revisions"}],"predecessor-version":[{"id":1166,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts\/1163\/revisions\/1166"}],"wp:attachment":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/media?parent=1163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/categories?post=1163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/tags?post=1163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":1163,"date":"2026-07-17T21:26:49","date_gmt":"2026-07-17T18:26:49","guid":{"rendered":"https:\/\/www.sarisayfalar.com\/blog\/?p=1163"},"modified":"2026-07-17T21:28:33","modified_gmt":"2026-07-17T18:28:33","slug":"ev-alirken-nelere-dikkat-edilmeli-2026-guncel-ve-kapsamli-rehber","status":"publish","type":"post","link":"https:\/\/www.sarisayfalar.com\/blog\/ev-alirken-nelere-dikkat-edilmeli-2026-guncel-ve-kapsamli-rehber\/","title":{"rendered":"Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber"},"content":{"rendered":"

\nEv Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber<\/title><meta name=\"description\" content=\"Ev al\u0131rken tapu, iskan, deprem riski, ekspertiz, kredi, masraflar, pazarl\u0131k ve teslim a\u015famalar\u0131nda dikkat edilmesi gerekenleri \u00f6\u011frenin.\"><\/head><body><\/p>\n<article class=\"sarisayfalar-rehber\">\n<\/p>\n<h1>Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber<\/h1>\n<p><strong>Son g\u00fcncelleme:<\/strong> 17 Temmuz 2026<\/p>\n<div style=\"background:#f5f8fb;border-left:5px solid #f2c300;padding:18px;margin:20px 0;border-radius:6px;\"><strong>K\u0131sa cevap:<\/strong> Ev al\u0131rken yaln\u0131zca fiyat ve oda say\u0131s\u0131na bak\u0131lmamal\u0131d\u0131r. Tapu sahibi, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, ipotek ve haciz kay\u0131tlar\u0131, kat m\u00fclkiyeti, ruhsat, iskan, deprem g\u00fcvenli\u011fi, ekspertiz de\u011feri, aidat bor\u00e7lar\u0131, kredi maliyeti ve toplam giderler ayr\u0131 ayr\u0131 kontrol edilmelidir.<\/div>\n<p>Ev sat\u0131n almak, \u00e7o\u011fu ki\u015finin hayat\u0131nda verdi\u011fi en y\u00fcksek tutarl\u0131 finansal kararlardan biridir. G\u00fczel g\u00f6r\u00fcnen bir daire do\u011fru yat\u0131r\u0131m anlam\u0131na gelmez. Yeni boya nemi gizleyebilir; ilandaki metrekare ger\u00e7e\u011fi yans\u0131tmayabilir; tapuda ipotek, haciz veya farkl\u0131 ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm bulunabilir.<\/p>\n<p>Bu rehber, sat\u0131l\u0131k ilan\u0131n\u0131 ilk g\u00f6rd\u00fc\u011f\u00fcn\u00fcz andan anahtar teslimine kadar izlenebilecek kapsaml\u0131 bir kontrol sistemi sunar. \u0130\u00e7erik genel bilgilendirme ama\u00e7l\u0131d\u0131r; somut ta\u015f\u0131nmaz i\u00e7in resmi kurumlar ve yetkili uzmanlardan do\u011frulama yap\u0131lmal\u0131d\u0131r.<\/p>\n<div id=\"icindekiler\" style=\"border:1px solid #ddd;padding:20px;margin:28px 0;border-radius:8px;background:#fff;\">\n<h2>\u0130\u00e7indekiler<\/h2>\n<ol>\n<li><a href=\"#amac\">1. Ev Alma Amac\u0131n\u0131z\u0131 Belirleyin<\/a><\/li>\n<li><a href=\"#butce\">2. Toplam B\u00fct\u00e7eyi Do\u011fru Hesaplay\u0131n<\/a><\/li>\n<li><a href=\"#kredi\">3. Konut Kredisi Haz\u0131rl\u0131\u011f\u0131 Yap\u0131n<\/a><\/li>\n<li><a href=\"#ilan\">4. \u0130lan\u0131 ve Sat\u0131c\u0131y\u0131 Do\u011frulay\u0131n<\/a><\/li>\n<li><a href=\"#lokasyon\">5. Lokasyon ve Mahalleyi \u0130nceleyin<\/a><\/li>\n<li><a href=\"#piyasa\">6. Piyasa De\u011ferini Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/a><\/li>\n<li><a href=\"#fiziksel\">7. Konutun Fiziksel Durumunu Kontrol Edin<\/a><\/li>\n<li><a href=\"#bina\">8. Bina ve Ortak Alanlar\u0131 \u0130nceleyin<\/a><\/li>\n<li><a href=\"#deprem\">9. Deprem ve Zemin Riskini Ara\u015ft\u0131r\u0131n<\/a><\/li>\n<li><a href=\"#tapu\">10. Tapu Kayd\u0131n\u0131 Ayr\u0131nt\u0131l\u0131 Kontrol Edin<\/a><\/li>\n<li><a href=\"#katmulkiyeti\">11. Kat M\u00fclkiyeti, Kat \u0130rtifak\u0131 ve Arsa Tapusu<\/a><\/li>\n<li><a href=\"#ruhsat-iskan\">12. Yap\u0131 Ruhsat\u0131 ve \u0130skan Belgesi<\/a><\/li>\n<li><a href=\"#imar\">13. \u0130mar ve Projeye Ayk\u0131r\u0131l\u0131k Kontrolleri<\/a><\/li>\n<li><a href=\"#metrekare\">14. Net ve Br\u00fct Metrekare Fark\u0131n\u0131 Do\u011frulay\u0131n<\/a><\/li>\n<li><a href=\"#ekspertiz\">15. Ekspertiz Raporunu Do\u011fru Okuyun<\/a><\/li>\n<li><a href=\"#borclar\">16. Aidat, Vergi ve Abonelik Bor\u00e7lar\u0131n\u0131 Kontrol Edin<\/a><\/li>\n<li><a href=\"#kiraci\">17. Kirac\u0131l\u0131 Ev Al\u0131rken Dikkat Edilecekler<\/a><\/li>\n<li><a href=\"#kapora\">18. Kapora Vermeden \u00d6nce Yap\u0131lacaklar<\/a><\/li>\n<li><a href=\"#pazarlik\">19. Pazarl\u0131k Stratejisi<\/a><\/li>\n<li><a href=\"#masraflar\">20. 2026 Ev Sat\u0131n Alma Masraflar\u0131<\/a><\/li>\n<li><a href=\"#tapu-islemi\">21. Tapu Devri G\u00fcn\u00fc Yap\u0131lacaklar<\/a><\/li>\n<li><a href=\"#teslim\">22. Anahtar Teslimi ve Sat\u0131n Alma Sonras\u0131<\/a><\/li>\n<li><a href=\"#yatirim\">23. Yat\u0131r\u0131m \u0130\u00e7in Ev Al\u0131rken Ek Kontroller<\/a><\/li>\n<li><a href=\"#yeni-konut\">24. S\u0131f\u0131r ve Projeden Konut Al\u0131rken Dikkat Edilecekler<\/a><\/li>\n<li><a href=\"#ikinci-el\">25. \u0130kinci El Ev Al\u0131rken Dikkat Edilecekler<\/a><\/li>\n<li><a href=\"#kontrol-listesi\">26. Ev Sat\u0131n Alma Kontrol Listesi<\/a><\/li>\n<li><a href=\"#hatalar\">27. Ev Al\u0131rken En S\u0131k Yap\u0131lan Hatalar<\/a><\/li>\n<li><a href=\"#sss\">28. S\u0131k Sorulan Sorular<\/a><\/li>\n<li><a href=\"#sonuc\">29. Sonu\u00e7<\/a><\/li>\n<\/ol>\n<\/div>\n<h2 id=\"amac\">1. Ev Alma Amac\u0131n\u0131z\u0131 Belirleyin<\/h2>\n<p>Do\u011fru ev, sat\u0131n alma amac\u0131na g\u00f6re de\u011fi\u015fir. Kendi ya\u015fayaca\u011f\u0131n\u0131z evde i\u015f yerine ula\u015f\u0131m, okul, hastane, sosyal \u00e7evre, g\u00fcvenlik, otopark ve g\u00fcnl\u00fck ya\u015fam kolayl\u0131\u011f\u0131 \u00f6ne \u00e7\u0131kabilir. Yat\u0131r\u0131m i\u00e7in al\u0131nan konutta ise kira talebi, bo\u015f kalma s\u00fcresi, kirac\u0131 profili, bak\u0131m gideri ve sat\u0131\u015f likiditesi daha \u00f6nemlidir.<\/p>\n<p>Oturmak i\u00e7in ev al\u0131yorsan\u0131z evi yaln\u0131zca g\u00fcnd\u00fcz saatlerinde g\u00f6rmeyin. Sabah i\u015fe gidi\u015f trafi\u011fini, ak\u015fam park durumunu ve hafta sonu g\u00fcr\u00fclt\u00fcs\u00fcn\u00fc g\u00f6zlemleyin. \u00c7ocuklu ailelerde okul g\u00fczerg\u00e2h\u0131 ve parklar; ileri ya\u015ftaki ki\u015filerde asans\u00f6r, bina giri\u015fi ve toplu ta\u015f\u0131maya y\u00fcr\u00fcme mesafesi \u00f6nem kazan\u0131r.<\/p>\n<p>Yat\u0131r\u0131m i\u00e7in ev al\u0131yorsan\u0131z yaln\u0131zca \u201cfiyat\u0131 artar\u201d beklentisine g\u00fcvenmeyin. B\u00f6lgedeki ger\u00e7ek kira bedellerini, benzer dairelerin ne kadar s\u00fcrede kiraland\u0131\u011f\u0131n\u0131, aidat\u0131n kira gelirine oran\u0131n\u0131, olas\u0131 tadilat maliyetini ve sat\u0131\u015f\u0131n ne kadar h\u0131zl\u0131 yap\u0131labildi\u011fini birlikte de\u011ferlendirin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Oturum amac\u0131 m\u0131, yat\u0131r\u0131m amac\u0131 m\u0131?<\/li>\n<li>K\u0131sa vadeli mi, uzun vadeli mi?<\/li>\n<li>Ailenin bug\u00fcnk\u00fc ve be\u015f y\u0131l sonraki ihtiyac\u0131 ne?<\/li>\n<li>Likidite ve kira getirisi ne kadar \u00f6nemli?<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"butce\">2. Toplam B\u00fct\u00e7eyi Do\u011fru Hesaplay\u0131n<\/h2>\n<p>\u0130lan fiyat\u0131 evin toplam maliyeti de\u011fildir. Tapu harc\u0131, d\u00f6ner sermaye bedeli, emlak hizmet bedeli, krediye ba\u011fl\u0131 ekspertiz ve ipotek giderleri, DASK, konut sigortas\u0131, tadilat, ta\u015f\u0131nma, abonelik ve e\u015fya giderleri ayr\u0131ca hesaplanmal\u0131d\u0131r.<\/p>\n<p>\u00dc\u00e7 ayr\u0131 rakam belirlemek yararl\u0131d\u0131r: rahat\u00e7a kar\u015f\u0131layabilece\u011finiz ideal fiyat, hi\u00e7bir ko\u015fulda ge\u00e7meyece\u011finiz kesin \u00fcst s\u0131n\u0131r ve sat\u0131n alma sonras\u0131nda dokunmayaca\u011f\u0131n\u0131z acil durum rezervi. Pe\u015finat\u0131n tamam\u0131n\u0131 sat\u0131\u015f bedeline ba\u011flamak, tapudan hemen sonra nakit s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131 yaratabilir.<\/p>\n<p>Kredi taksidini yaln\u0131zca bug\u00fcnk\u00fc gelirinizle de\u011fil, gelir kayb\u0131 veya gider art\u0131\u015f\u0131 senaryosuyla da de\u011ferlendirin. Bankan\u0131n kredi vermesi, taksidin sizin b\u00fct\u00e7eniz i\u00e7in mutlaka g\u00fcvenli oldu\u011fu anlam\u0131na gelmez.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Sat\u0131\u015f bedeli<\/li>\n<li>Tapu ve i\u015flem masraflar\u0131<\/li>\n<li>Tadilat ve ta\u015f\u0131nma<\/li>\n<li>Acil durum rezervi<\/li>\n<li>\u0130lk y\u0131l aidat ve sigorta giderleri<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kredi\">3. Konut Kredisi Haz\u0131rl\u0131\u011f\u0131 Yap\u0131n<\/h2>\n<p>Ev aramaya ba\u015flamadan \u00f6nce bankalardan \u00f6n bilgi almak ger\u00e7ek sat\u0131n alma g\u00fcc\u00fcn\u00fcz\u00fc g\u00f6rmenizi sa\u011flar. Kredi tutar\u0131 yaln\u0131zca ilan fiyat\u0131na g\u00f6re de\u011fil; bankan\u0131n kabul etti\u011fi ekspertiz de\u011ferine, konutun niteli\u011fine, al\u0131c\u0131n\u0131n gelir ve kredi ge\u00e7mi\u015fine ve g\u00fcncel d\u00fczenlemelere g\u00f6re belirlenebilir.<\/p>\n<p>Bankalar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken yaln\u0131zca ayl\u0131k oran\u0131 de\u011fil y\u0131ll\u0131k maliyet oran\u0131n\u0131, toplam geri \u00f6demeyi, ekspertiz ve tahsis giderlerini, sigortalar\u0131, erken \u00f6deme ko\u015fullar\u0131n\u0131 ve ipotek kald\u0131rma s\u00fcrecini inceleyin.<\/p>\n<p>Ekspertiz de\u011feri sat\u0131\u015f fiyat\u0131ndan d\u00fc\u015f\u00fck \u00e7\u0131karsa aradaki fark\u0131 \u00f6z kaynakla tamamlaman\u0131z gerekebilir. Kapora s\u00f6zle\u015fmesinde kredinin onaylanmamas\u0131 veya ekspertizin yetersiz kalmas\u0131 halinde ne olaca\u011f\u0131 a\u00e7\u0131k\u00e7a yaz\u0131lmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Toplam geri \u00f6deme<\/li>\n<li>Y\u0131ll\u0131k maliyet oran\u0131<\/li>\n<li>Ekspertiz gideri<\/li>\n<li>Sigorta \u015fartlar\u0131<\/li>\n<li>Erken \u00f6deme ko\u015fullar\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ilan\">4. \u0130lan\u0131 ve Sat\u0131c\u0131y\u0131 Do\u011frulay\u0131n<\/h2>\n<p>\u201cKrediye uygun\u201d, \u201ciskanl\u0131\u201d, \u201ckat m\u00fclkiyetli\u201d, \u201cnet 120 m\u00b2\u201d veya \u201cmasrafs\u0131z\u201d gibi ilan ifadelerini belge g\u00f6rmeden do\u011fru kabul etmeyin. \u0130lan metni pazarlama a\u00e7\u0131klamas\u0131d\u0131r; resmi kay\u0131t yerine ge\u00e7mez.<\/p>\n<p>Tapudaki malikin kim oldu\u011funu, sat\u0131\u015f\u0131 kimin yapaca\u011f\u0131n\u0131, varsa vek\u00e2letnamenin kapsam\u0131n\u0131, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm bilgisini ve k\u0131s\u0131tlamalar\u0131 do\u011frulay\u0131n. Yaln\u0131zca ilan sahibi veya arac\u0131 oldu\u011funu s\u00f6yleyen ki\u015fiye, malik ve yetki kontrol edilmeden para g\u00f6ndermeyin.<\/p>\n<p>Sat\u0131\u015f nedeni, aidat, kirac\u0131, planlanan bina masraf\u0131 ve son tadilat tarihi gibi sorular\u0131 ilk g\u00f6r\u00fc\u015fmede sormak gereksiz ziyaretleri azalt\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Malik kim?<\/li>\n<li>Tapu t\u00fcr\u00fc ne?<\/li>\n<li>\u0130skan var m\u0131?<\/li>\n<li>\u0130potek veya haciz var m\u0131?<\/li>\n<li>Kirac\u0131 var m\u0131?<\/li>\n<li>Aidat ne kadar?<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"lokasyon\">5. Lokasyon ve Mahalleyi \u0130nceleyin<\/h2>\n<p>Bir evin i\u00e7i de\u011fi\u015ftirilebilir, konumu de\u011fi\u015ftirilemez. Ayn\u0131 mahallede birka\u00e7 sokak aras\u0131nda bile ula\u015f\u0131m, g\u00fcr\u00fclt\u00fc, g\u00fcvenlik, zemin, otopark ve fiyat fark\u0131 olu\u015fabilir.<\/p>\n<p>Soka\u011f\u0131 i\u015f g\u00fcn\u00fc sabah\u0131, ak\u015fam yo\u011funlu\u011funda ve hafta sonunda g\u00f6r\u00fcn. Toplu ta\u015f\u0131ma dura\u011f\u0131na ger\u00e7ek y\u00fcr\u00fcme s\u00fcresini \u00f6l\u00e7\u00fcn; haritadaki mesafe yoku\u015f, \u00fcst ge\u00e7it veya g\u00fcvenli olmayan g\u00fczerg\u00e2h nedeniyle yan\u0131lt\u0131c\u0131 olabilir.<\/p>\n<p>Apartman y\u00f6neticisi, kom\u015fular ve yak\u0131n esnaf; asans\u00f6r ar\u0131zas\u0131, \u00e7at\u0131 sorunu, su bask\u0131n\u0131, g\u00fcr\u00fclt\u00fc, y\u00fcksek aidat veya devam eden uyu\u015fmazl\u0131klar hakk\u0131nda ilanda bulunmayan bilgiler verebilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>G\u00fcnd\u00fcz ve gece g\u00fcvenli\u011fi<\/li>\n<li>Trafik ve toplu ta\u015f\u0131ma<\/li>\n<li>Otopark<\/li>\n<li>Okul ve sa\u011fl\u0131k hizmetleri<\/li>\n<li>\u0130nternet altyap\u0131s\u0131<\/li>\n<li>Su bask\u0131n\u0131 ve \u00e7evresel riskler<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"piyasa\">6. Piyasa De\u011ferini Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2>\n<p>Yaln\u0131zca ayn\u0131 mahalledeki ilanlara bakmak yeterli de\u011fildir. Kar\u015f\u0131la\u015ft\u0131r\u0131lan konutlar\u0131n net alan\u0131, bina ya\u015f\u0131, kat\u0131, cephesi, manzaras\u0131, otopark\u0131, asans\u00f6r\u00fc, tapu niteli\u011fi ve tadilat durumu benzer olmal\u0131d\u0131r.<\/p>\n<p>\u0130lan fiyat\u0131 ger\u00e7ekle\u015fmi\u015f sat\u0131\u015f fiyat\u0131 de\u011fildir. \u00c7ok d\u00fc\u015f\u00fck fiyat bir f\u0131rsat olabilece\u011fi gibi hisseli tapu, kirac\u0131, a\u011f\u0131r tadilat, hukuki sorun veya yanl\u0131\u015f ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm riski de ta\u015f\u0131yabilir.<\/p>\n<p>Metrekare fiyat\u0131 hesaplan\u0131rken t\u00fcm emsallerde ayn\u0131 alan tan\u0131m\u0131 kullan\u0131lmal\u0131d\u0131r. Bir ilanda br\u00fct, di\u011ferinde net alan \u00fczerinden hesap yapmak yanl\u0131\u015f sonuca g\u00f6t\u00fcr\u00fcr.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Net alan\u0131 e\u015fle\u015ftirin<\/li>\n<li>Bina ya\u015f\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n<\/li>\n<li>Kat ve cephe fark\u0131n\u0131 dikkate al\u0131n<\/li>\n<li>Tadilat maliyetini d\u00fc\u015ferek de\u011ferlendirin<\/li>\n<li>\u0130lan s\u00fcresini takip edin<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"fiziksel\">7. Konutun Fiziksel Durumunu Kontrol Edin<\/h2>\n<p>Evi do\u011fal \u0131\u015f\u0131kta ve m\u00fcmk\u00fcnse ya\u011f\u0131\u015f sonras\u0131nda g\u00f6r\u00fcn. Yeni boya; nem, \u00e7atlak veya su izlerini ge\u00e7ici olarak gizleyebilir. Teknik deneyiminiz yoksa m\u00fchendis veya mimardan destek al\u0131n.<\/p>\n<p>Duvar ve tavanda nem, pencere \u00e7evresinde su izi, zeminde e\u011fim, tesisatta koku, d\u00fc\u015f\u00fck su bas\u0131nc\u0131, elektrik panosunda eski veya uygunsuz ekipman, kombi ve peteklerde ar\u0131za olup olmad\u0131\u011f\u0131n\u0131 kontrol edin.<\/p>\n<p>Her \u00e7atlak ta\u015f\u0131y\u0131c\u0131 sistem sorunu de\u011fildir; fakat kolon, kiri\u015f, perde veya birle\u015fim noktalar\u0131ndaki \u00e7atlaklar uzman taraf\u0131ndan de\u011ferlendirilmelidir. Kolon veya kiri\u015fe sonradan m\u00fcdahale edildi\u011fi \u015f\u00fcphesi varsa sat\u0131n alma karar\u0131 teknik inceleme tamamlanmadan verilmemelidir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Nem ve su s\u0131z\u0131nt\u0131s\u0131<\/li>\n<li>Elektrik sistemi<\/li>\n<li>Su ve gider tesisat\u0131<\/li>\n<li>Is\u0131tma sistemi<\/li>\n<li>Pencere ve yal\u0131t\u0131m<\/li>\n<li>Kolon-kiri\u015f m\u00fcdahalesi<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"bina\">8. Bina ve Ortak Alanlar\u0131 \u0130nceleyin<\/h2>\n<p>Daire iyi durumda olsa bile binan\u0131n ortak sorunlar\u0131 y\u00fcksek maliyet do\u011furabilir. \u00c7at\u0131, bodrum, d\u0131\u015f cephe, asans\u00f6r, otopark, su deposu, hidrofor ve yang\u0131n ekipmanlar\u0131n\u0131 inceleyin.<\/p>\n<p>Apartman y\u00f6netiminden g\u00fcncel aidat\u0131, ge\u00e7mi\u015f bor\u00e7lar\u0131, planlanan \u00e7at\u0131 veya asans\u00f6r yenilemesini, y\u00f6netim plan\u0131n\u0131 ve son toplant\u0131 kararlar\u0131n\u0131 sorun. Yakla\u015fan b\u00fcy\u00fck giderler sat\u0131n alma b\u00fct\u00e7enizi etkileyebilir.<\/p>\n<p>D\u00fc\u015f\u00fck aidat her zaman avantaj de\u011fildir. Bak\u0131m\u0131 ertelenen asans\u00f6r, \u00e7at\u0131 veya d\u0131\u015f cephe daha sonra y\u00fcksek toplu \u00f6deme gerektirebilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>\u00c7at\u0131 ve bodrum<\/li>\n<li>Asans\u00f6r ve bak\u0131m kay\u0131tlar\u0131<\/li>\n<li>Yang\u0131n g\u00fcvenli\u011fi<\/li>\n<li>Otopark d\u00fczeni<\/li>\n<li>Yakla\u015fan ortak giderler<\/li>\n<li>Y\u00f6netim plan\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"deprem\">9. Deprem ve Zemin Riskini Ara\u015ft\u0131r\u0131n<\/h2>\n<p>Deprem riski yaln\u0131zca bina ya\u015f\u0131yla \u00f6l\u00e7\u00fclemez. Zemin, ta\u015f\u0131y\u0131c\u0131 sistem, proje uygunlu\u011fu, malzeme kalitesi, sonradan yap\u0131lan m\u00fcdahaleler ve bak\u0131m durumu birlikte de\u011ferlendirilmelidir.<\/p>\n<p>Yap\u0131m ve ruhsat tarihini, zemin et\u00fcd\u00fcn\u00fc, ta\u015f\u0131y\u0131c\u0131 sistem t\u00fcr\u00fcn\u00fc, bodrumdaki su ve korozyon izlerini, riskli yap\u0131 tespiti veya d\u00f6n\u00fc\u015f\u00fcm s\u00fcrecini ara\u015ft\u0131r\u0131n.<\/p>\n<p>DASK poli\u00e7esi binan\u0131n teknik olarak g\u00fcvenli oldu\u011funu g\u00f6stermez; belirli deprem zararlar\u0131na kar\u015f\u0131 sigorta korumas\u0131d\u0131r. Genel risk haritalar\u0131 da belirli bir binaya ili\u015fkin m\u00fchendislik raporu yerine ge\u00e7mez.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Ruhsat ve yap\u0131m y\u0131l\u0131<\/li>\n<li>Zemin et\u00fcd\u00fc<\/li>\n<li>Ta\u015f\u0131y\u0131c\u0131 sistem<\/li>\n<li>Bodrum ve korozyon<\/li>\n<li>Riskli yap\u0131 kayd\u0131<\/li>\n<li>Ba\u011f\u0131ms\u0131z m\u00fchendislik incelemesi<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"tapu\">10. Tapu Kayd\u0131n\u0131 Ayr\u0131nt\u0131l\u0131 Kontrol Edin<\/h2>\n<p>G\u00f6sterilen daire ile tapudaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm\u00fcn ayn\u0131 oldu\u011fundan emin olun. Ada, parsel, blok, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, kat, arsa pay\u0131, nitelik ve malik bilgilerini kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<p>\u0130potek, haciz, ihtiyati tedbir, intifa, oturma hakk\u0131, aile konutu \u015ferhi, sat\u0131\u015f vaadi ve kamula\u015ft\u0131rma gibi kay\u0131tlar\u0131n hukuki etkisi anla\u015f\u0131lmadan \u00f6deme yap\u0131lmamal\u0131d\u0131r.<\/p>\n<p>Kap\u0131 numaras\u0131 ile tapudaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm numaras\u0131 farkl\u0131 kavramlar olabilir. \u00d6zellikle eski binalarda ve b\u00f6l\u00fcnm\u00fc\u015f dairelerde mimari proje \u00fczerinden konum do\u011frulanmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Malik bilgisi<\/li>\n<li>Ada-parsel<\/li>\n<li>Ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm<\/li>\n<li>Arsa pay\u0131<\/li>\n<li>\u0130potek ve haciz<\/li>\n<li>\u015eerh ve beyanlar<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"katmulkiyeti\">11. Kat M\u00fclkiyeti, Kat \u0130rtifak\u0131 ve Arsa Tapusu<\/h2>\n<p>Kat m\u00fclkiyeti, tamamlanm\u0131\u015f yap\u0131da ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm m\u00fclkiyetidir. Kat irtifak\u0131, yap\u0131lmakta veya ileride yap\u0131lacak yap\u0131n\u0131n ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmleri i\u00e7in arsa pay\u0131na ba\u011fl\u0131 hakt\u0131r.<\/p>\n<p>Bina tamamlanm\u0131\u015f halde h\u00e2l\u00e2 kat irtifakl\u0131ysa iskan ve projeye uygunluk ayr\u0131ca ara\u015ft\u0131r\u0131lmal\u0131d\u0131r. Kat m\u00fclkiyeti bulunmas\u0131 da ta\u015f\u0131nmaz\u0131n t\u00fcm hukuki ve teknik risklerden ar\u0131nm\u0131\u015f oldu\u011fu anlam\u0131na gelmez.<\/p>\n<p>Arsa hisseli sat\u0131\u015fta belirli bir dairenin ba\u011f\u0131ms\u0131z tapusu yerine arsadaki pay devrediliyor olabilir. Hissedar ili\u015fkileri, fiili kullan\u0131m, \u00f6nal\u0131m ve krediye uygunluk gibi riskler uzman incelemesi gerektirir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Kat m\u00fclkiyeti<\/li>\n<li>Kat irtifak\u0131<\/li>\n<li>Arsa hissesi<\/li>\n<li>Fiili kullan\u0131m<\/li>\n<li>Krediye uygunluk<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ruhsat-iskan\">12. Yap\u0131 Ruhsat\u0131 ve \u0130skan Belgesi<\/h2>\n<p>Yap\u0131 ruhsat\u0131, yap\u0131n\u0131n onayl\u0131 proje ve mevzuat \u00e7er\u00e7evesinde in\u015fa edilmesine izin veren belgedir. Yap\u0131 kullanma izin belgesi, yayg\u0131n ad\u0131yla iskan, tamamlanan yap\u0131n\u0131n resmi kullan\u0131m durumuyla ilgilidir.<\/p>\n<p>Sat\u0131c\u0131n\u0131n \u201ciskan ba\u015fvurusu yap\u0131ld\u0131\u201d demesi, iskan al\u0131nd\u0131\u011f\u0131 anlam\u0131na gelmez. Belgenin tarihini, kapsad\u0131\u011f\u0131 blok ve yap\u0131y\u0131 ilgili belediyeden do\u011frulay\u0131n. Yap\u0131 kay\u0131t belgesi ile iskan ayn\u0131 belge de\u011fildir.<\/p>\n<p>\u0130skans\u0131z evin riski; iskan al\u0131nmama nedeni, ruhsat, projeye uygunluk, belediye kay\u0131tlar\u0131 ve kredi durumu birlikte de\u011ferlendirilerek anla\u015f\u0131labilir. Fiyat avantaj\u0131 belge eksikli\u011fini otomatik olarak telafi etmez.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Ruhsat tarihi<\/li>\n<li>\u0130skan\u0131n kapsam\u0131<\/li>\n<li>Projeye uygunluk<\/li>\n<li>Kat m\u00fclkiyetine ge\u00e7i\u015f<\/li>\n<li>Abonelik durumu<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"imar\">13. \u0130mar ve Projeye Ayk\u0131r\u0131l\u0131k Kontrolleri<\/h2>\n<p>Parselin imar plan\u0131ndaki kullan\u0131m t\u00fcr\u00fc, yap\u0131la\u015fma ko\u015fullar\u0131 ve gelecekteki kamu projeleri ta\u015f\u0131nmaz\u0131n de\u011ferini etkileyebilir. Yol geni\u015fletme, ye\u015fil alan veya kamula\u015ft\u0131rma ihtimali ilgili idareden ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<p>Balkonun odaya kat\u0131lmas\u0131, ortak alan\u0131n daireye eklenmesi, \u00e7at\u0131 aras\u0131n\u0131n kullan\u0131ma a\u00e7\u0131lmas\u0131, dairenin b\u00f6l\u00fcnmesi veya ta\u015f\u0131y\u0131c\u0131 elemana m\u00fcdahale edilmesi projeye ayk\u0131r\u0131l\u0131k olu\u015fturabilir.<\/p>\n<p>\u201cBinadaki herkes yapt\u0131\u201d ifadesi hukuki uygunluk sa\u011flamaz. Fiili kullan\u0131m ile onayl\u0131 mimari proje aras\u0131ndaki farklar kredi, sigorta, belediye ve ileride sat\u0131\u015f s\u00fcre\u00e7lerinde sorun yaratabilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Mimari projeyi g\u00f6r\u00fcn<\/li>\n<li>Balkon ve eklentileri kontrol edin<\/li>\n<li>Ortak alan i\u015fgalini ara\u015ft\u0131r\u0131n<\/li>\n<li>Ta\u015f\u0131y\u0131c\u0131 m\u00fcdahalesini inceletin<\/li>\n<li>\u0130mar plan\u0131n\u0131 do\u011frulay\u0131n<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"metrekare\">14. Net ve Br\u00fct Metrekare Fark\u0131n\u0131 Do\u011frulay\u0131n<\/h2>\n<p>\u0130lanlarda br\u00fct alana ortak alanlar\u0131n hangi \u00f6l\u00e7\u00fcde dahil edildi\u011fi de\u011fi\u015febilir. G\u00fcnl\u00fck kullan\u0131m a\u00e7\u0131s\u0131ndan net alan daha a\u00e7\u0131klay\u0131c\u0131d\u0131r; fakat net ve br\u00fct tan\u0131mlar\u0131n\u0131n hangi belgeye dayand\u0131\u011f\u0131 sorulmal\u0131d\u0131r.<\/p>\n<p>Onayl\u0131 mimari proje, ekspertiz \u00f6l\u00e7\u00fcm\u00fc ve yerinde \u00f6l\u00e7\u00fcm kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r. Salon ve odalar\u0131n en-boy \u00f6l\u00e7\u00fclerini almak, kullan\u0131\u015fl\u0131l\u0131k a\u00e7\u0131s\u0131ndan toplam metrekareden daha anlaml\u0131 olabilir.<\/p>\n<p>Ayn\u0131 \u201c120 m\u00b2\u201d ifadesine sahip iki dairenin kullan\u0131labilir alan\u0131 ciddi bi\u00e7imde farkl\u0131 olabilir. Koridor, duvar, balkon, depo ve ortak alanlar\u0131n hesaba nas\u0131l kat\u0131ld\u0131\u011f\u0131n\u0131 \u00f6\u011frenin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Projedeki alan<\/li>\n<li>Ekspertiz alan\u0131<\/li>\n<li>Yerinde \u00f6l\u00e7\u00fcm<\/li>\n<li>Balkon ve depo<\/li>\n<li>Ortak alan pay\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ekspertiz\">15. Ekspertiz Raporunu Do\u011fru Okuyun<\/h2>\n<p>Ekspertiz raporu yaln\u0131zca fiyat belgesi de\u011fildir. Tapu, imar, proje, mevcut kullan\u0131m, emsaller ve piyasa de\u011feri hakk\u0131nda \u00f6nemli bilgiler i\u00e7erebilir; ancak kapsaml\u0131 statik analiz veya hukuki g\u00f6r\u00fc\u015f yerine ge\u00e7mez.<\/p>\n<p>Rapordaki ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, adres ve tapu bilgilerinin do\u011fru oldu\u011funu; yasal alan ile mevcut alan aras\u0131nda fark bulunup bulunmad\u0131\u011f\u0131n\u0131; projeye ayk\u0131r\u0131 eklentilerin belirtilip belirtilmedi\u011fini kontrol edin.<\/p>\n<p>Bankan\u0131n yapt\u0131rd\u0131\u011f\u0131 rapor bankan\u0131n teminat karar\u0131na y\u00f6neliktir. Al\u0131c\u0131n\u0131n \u00f6zel risklerini b\u00fct\u00fcn\u00fcyle ara\u015ft\u0131rmayabilir. Y\u00fcksek bedelli i\u015flemlerde ba\u011f\u0131ms\u0131z teknik ve hukuki inceleme ek g\u00fcvence sa\u011flar.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Tapu bilgileri<\/li>\n<li>Yasal ve mevcut alan<\/li>\n<li>Emsaller<\/li>\n<li>Piyasa de\u011feri<\/li>\n<li>Projeye ayk\u0131r\u0131l\u0131k<\/li>\n<li>Krediye uygunluk<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"borclar\">16. Aidat, Vergi ve Abonelik Bor\u00e7lar\u0131n\u0131 Kontrol Edin<\/h2>\n<p>Apartman veya site y\u00f6netiminden yaz\u0131l\u0131 bor\u00e7 durumu al\u0131n. Aidat d\u0131\u015f\u0131nda ortak gider avans\u0131, ge\u00e7mi\u015f d\u00f6nem bak\u0131m borcu veya kararla\u015ft\u0131r\u0131lm\u0131\u015f ek \u00f6deme bulunabilir.<\/p>\n<p>Emlak vergisi, belediye kaynakl\u0131 bor\u00e7lar, elektrik, su ve do\u011falgaz abonelik durumu ile saya\u00e7 de\u011ferlerini teslim \u00f6ncesinde kontrol edin.<\/p>\n<p>Hangi borcun kime ait oldu\u011fu borcun t\u00fcr\u00fcne ve d\u00f6neme g\u00f6re de\u011fi\u015febilir. En g\u00fcvenli y\u00f6ntem, sat\u0131\u015f \u00f6ncesi bor\u00e7lar\u0131n kapat\u0131lmas\u0131 ve teslim tutana\u011f\u0131nda saya\u00e7larla birlikte a\u00e7\u0131k\u00e7a yaz\u0131lmas\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Aidat<\/li>\n<li>Ortak gider avans\u0131<\/li>\n<li>Emlak vergisi<\/li>\n<li>Elektrik-su-do\u011falgaz<\/li>\n<li>Saya\u00e7 de\u011ferleri<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kiraci\">17. Kirac\u0131l\u0131 Ev Al\u0131rken Dikkat Edilecekler<\/h2>\n<p>Kirac\u0131l\u0131 bir konut sat\u0131n al\u0131nd\u0131\u011f\u0131nda mevcut kira ili\u015fkisi kendili\u011finden yok olmaz. Kira s\u00f6zle\u015fmesi, depozito, \u00f6deme d\u00fczeni, tahliye taahh\u00fcd\u00fc iddias\u0131 ve devam eden uyu\u015fmazl\u0131klar incelenmelidir.<\/p>\n<p>\u201cKirac\u0131 hemen \u00e7\u0131kar\u201d \u015feklindeki s\u00f6zl\u00fc beyanla oturum plan\u0131 yapmay\u0131n. Tahliye ko\u015fullar\u0131 somut olaya g\u00f6re de\u011fi\u015fir ve hukuki s\u00fcre\u00e7 zaman alabilir.<\/p>\n<p>Sat\u0131c\u0131dan yaz\u0131l\u0131 kira s\u00f6zle\u015fmesini, \u00f6deme kay\u0131tlar\u0131n\u0131, depozito tutar\u0131n\u0131, ek protokolleri ve varsa ihtar veya dava bilgilerini isteyin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Kira s\u00f6zle\u015fmesi<\/li>\n<li>Depozito<\/li>\n<li>Tahliye taahh\u00fcd\u00fc<\/li>\n<li>\u00d6deme kay\u0131tlar\u0131<\/li>\n<li>Devam eden dava<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kapora\">18. Kapora Vermeden \u00d6nce Yap\u0131lacaklar<\/h2>\n<p>Kapora, aceleyle ve belgesiz verildi\u011finde ciddi uyu\u015fmazl\u0131k do\u011furabilir. Malik, tapu, ta\u015f\u0131nmaz ve sat\u0131\u015f ko\u015fullar\u0131 do\u011frulanmadan \u00f6deme yap\u0131lmamal\u0131d\u0131r.<\/p>\n<p>\u00d6deme m\u00fcmk\u00fcnse a\u00e7\u0131klamal\u0131 banka transferiyle g\u00f6nderilmeli; belgede taraflar\u0131n kimlikleri, ta\u015f\u0131nmaz bilgileri, sat\u0131\u015f bedeli, tapu tarihi, kredi ve ekspertiz \u015fartlar\u0131 ile vazge\u00e7me halinde sonu\u00e7lar yaz\u0131lmal\u0131d\u0131r.<\/p>\n<p>\u201cBa\u015fka al\u0131c\u0131 var, hemen \u00f6deme yap\u0131n\u201d bask\u0131s\u0131 doland\u0131r\u0131c\u0131l\u0131k veya hatal\u0131 karar riskini art\u0131r\u0131r. Tapu sahibini ve yetkiyi do\u011frulamadan arac\u0131ya ya da \u00fc\u00e7\u00fcnc\u00fc ki\u015fiye para g\u00f6ndermeyin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Taraflar\u0131n kimli\u011fi<\/li>\n<li>Ta\u015f\u0131nmaz\u0131n tam bilgisi<\/li>\n<li>Toplam sat\u0131\u015f bedeli<\/li>\n<li>Kredi ko\u015fulu<\/li>\n<li>Tapu tarihi<\/li>\n<li>Vazge\u00e7me halinde sonu\u00e7<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"pazarlik\">19. Pazarl\u0131k Stratejisi<\/h2>\n<p>Pazarl\u0131k rastgele d\u00fc\u015f\u00fck teklif vermek de\u011fil, veriye dayal\u0131 fiyat g\u00f6r\u00fc\u015fmesidir. Emsal ilanlar, ekspertiz, tadilat ihtiyac\u0131, tapu niteli\u011fi, aidat, kirac\u0131 durumu ve ilan s\u00fcresi pazarl\u0131k zemini olu\u015fturur.<\/p>\n<p>Tadilat ihtiya\u00e7lar\u0131 i\u00e7in yaz\u0131l\u0131 maliyet tahmini al\u0131n. Eksik belge veya hukuki risk varsa yaln\u0131zca indirim almak yerine riskin tamamen giderilmesini talep etmek daha do\u011fru olabilir.<\/p>\n<p>Fiyat \u00fczerinde anla\u015f\u0131nca tapu masraf\u0131 payla\u015f\u0131m\u0131, teslim tarihi, ta\u015f\u0131nacak e\u015fyalar, bor\u00e7lar\u0131n kapat\u0131lmas\u0131 ve \u00f6deme y\u00f6ntemi de yaz\u0131l\u0131 hale getirilmelidir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Emsal fiyatlar<\/li>\n<li>Ekspertiz de\u011feri<\/li>\n<li>Tadilat maliyeti<\/li>\n<li>\u0130lan s\u00fcresi<\/li>\n<li>Teslim ko\u015fullar\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"masraflar\">20. 2026 Ev Sat\u0131n Alma Masraflar\u0131<\/h2>\n<p>Tapu ve Kadastro Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fcn\u00fcn g\u00fcncel a\u00e7\u0131klamas\u0131na g\u00f6re sat\u0131\u015f bedeli \u00fczerinden al\u0131c\u0131 ve sat\u0131c\u0131 i\u00e7in ayr\u0131 ayr\u0131 binde 20 tapu harc\u0131 hesaplan\u0131r; toplam oran binde 40, yani y\u00fczde 4 olur. Beyan edilen bedelin ilgili belediye emlak vergisi de\u011ferinden d\u00fc\u015f\u00fck olmamas\u0131 gerekir.<\/p>\n<p>D\u00f6ner sermaye \u00fccreti tapu harc\u0131ndan ayr\u0131 bir kalemdir ve TKGM taraf\u0131ndan yay\u0131mlanan y\u0131ll\u0131k tarifeye ve i\u015flem \u00f6zelliklerine g\u00f6re belirlenir. 2026 tarifesi 1 Ocak 2026 itibar\u0131yla y\u00fcr\u00fcrl\u00fcktedir.<\/p>\n<p>Emlak hizmet bedeli, ekspertiz, kredi, sigorta, tadilat ve ta\u015f\u0131nma giderleri toplam b\u00fct\u00e7eye eklenmelidir. Resmi tutarlar i\u015flem g\u00fcn\u00fcnde do\u011frulanmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Tapu harc\u0131<\/li>\n<li>D\u00f6ner sermaye<\/li>\n<li>Emlak hizmet bedeli<\/li>\n<li>Ekspertiz<\/li>\n<li>Kredi giderleri<\/li>\n<li>DASK ve sigortalar<\/li>\n<li>Tadilat ve ta\u015f\u0131nma<\/li>\n<\/ul>\n<table border=\"1\" cellpadding=\"9\" cellspacing=\"0\" width=\"100%\">\n<tr>\n<th>Masraf<\/th>\n<th>A\u00e7\u0131klama<\/th>\n<\/tr>\n<tr>\n<td>Tapu harc\u0131<\/td>\n<td>Sat\u0131\u015f bedeli \u00fczerinden al\u0131c\u0131 ve sat\u0131c\u0131 i\u00e7in ayr\u0131 ayr\u0131 binde 20.<\/td>\n<\/tr>\n<tr>\n<td>D\u00f6ner sermaye<\/td>\n<td>TKGM y\u0131ll\u0131k tarifesine ve i\u015flem \u00f6zelliklerine g\u00f6re.<\/td>\n<\/tr>\n<tr>\n<td>Emlak hizmet bedeli<\/td>\n<td>S\u00f6zle\u015fme ve g\u00fcncel yasal s\u0131n\u0131rlar \u00e7er\u00e7evesinde.<\/td>\n<\/tr>\n<tr>\n<td>Ekspertiz ve kredi<\/td>\n<td>Banka ve ta\u015f\u0131nmaz \u00f6zelliklerine g\u00f6re.<\/td>\n<\/tr>\n<tr>\n<td>DASK ve sigortalar<\/td>\n<td>Yap\u0131, konum ve teminatlara g\u00f6re.<\/td>\n<\/tr>\n<tr>\n<td>Tadilat-ta\u015f\u0131nma<\/td>\n<td>Konutun durumuna g\u00f6re ayr\u0131ca b\u00fct\u00e7elenir.<\/td>\n<\/tr>\n<\/table>\n<p><strong>\u00d6rnek:<\/strong> 5.000.000 TL ger\u00e7ek sat\u0131\u015f bedelinde toplam y\u00fczde 4 tapu harc\u0131 200.000 TL olur; kanuni da\u011f\u0131l\u0131m esas al\u0131nd\u0131\u011f\u0131nda al\u0131c\u0131 ve sat\u0131c\u0131 pay\u0131 ayr\u0131 ayr\u0131 100.000 TL’dir. D\u00f6ner sermaye ve di\u011fer giderler bu \u00f6rne\u011fe dahil de\u011fildir.<\/p>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"tapu-islemi\">21. Tapu Devri G\u00fcn\u00fc Yap\u0131lacaklar<\/h2>\n<p>Randevu \u00f6ncesinde kimlik, temsil, DASK, vergi ve i\u015flem belgelerinin tamamland\u0131\u011f\u0131n\u0131 teyit edin. Resmi bildirimlerdeki ba\u015fvuru ve \u00f6deme bilgilerini kurumun g\u00fcvenli kanallar\u0131ndan do\u011frulay\u0131n.<\/p>\n<p>Tapu senedindeki ta\u015f\u0131nmaz, malik, al\u0131c\u0131, sat\u0131\u015f bedeli ve ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm bilgilerini imzadan \u00f6nce tekrar okuyun. Yanl\u0131\u015fl\u0131k g\u00f6r\u00fcrseniz i\u015flem tamamlanmadan d\u00fczeltme isteyin.<\/p>\n<p>\u00d6deme ak\u0131\u015f\u0131 \u00f6nceden planlanmal\u0131d\u0131r. Y\u00fcksek tutarl\u0131 nakit ta\u015f\u0131mak yerine bankac\u0131l\u0131k sistemi ve g\u00fcvenli \u00f6deme y\u00f6ntemleri kullan\u0131lmal\u0131; transfer a\u00e7\u0131klamas\u0131 a\u00e7\u0131k yaz\u0131lmal\u0131 ve dekont saklanmal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Kimlik ve yetki<\/li>\n<li>DASK<\/li>\n<li>Tapu bilgileri<\/li>\n<li>Resmi har\u00e7 \u00f6demesi<\/li>\n<li>G\u00fcvenli para transferi<\/li>\n<li>Dekont ve belgeler<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"teslim\">22. Anahtar Teslimi ve Sat\u0131n Alma Sonras\u0131<\/h2>\n<p>Tapu devri ile fiili teslim ayn\u0131 anda olmayabilir. Teslim tarihi, anahtar say\u0131s\u0131, saya\u00e7 de\u011ferleri, ta\u015f\u0131nmazda kalacak e\u015fyalar, hasarlar ve bor\u00e7 durumu yaz\u0131l\u0131 tutanakla belirlenmelidir.<\/p>\n<p>Elektrik, su, do\u011falgaz ve internet aboneliklerini kendi ad\u0131n\u0131za al\u0131n. DASK ve ihtiyaca uygun konut sigortas\u0131n\u0131 g\u00fcncelleyin. Apartman y\u00f6netimine malik de\u011fi\u015fikli\u011fini bildirin.<\/p>\n<p>Sat\u0131n alma sonras\u0131nda tapu, dekont, s\u00f6zle\u015fme, ekspertiz, sigorta ve teslim tutana\u011f\u0131n\u0131 g\u00fcvenli bi\u00e7imde saklay\u0131n. \u0130lk g\u00fcnlerde kilit de\u011fi\u015fimi ve temel g\u00fcvenlik kontrolleri yap\u0131labilir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Teslim tutana\u011f\u0131<\/li>\n<li>Saya\u00e7 de\u011ferleri<\/li>\n<li>Anahtarlar<\/li>\n<li>Abonelikler<\/li>\n<li>Sigortalar<\/li>\n<li>Y\u00f6netim bildirimi<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"yatirim\">23. Yat\u0131r\u0131m \u0130\u00e7in Ev Al\u0131rken Ek Kontroller<\/h2>\n<p>Yat\u0131r\u0131m konutunda br\u00fct kira de\u011fil net kira getirisi \u00f6nemlidir. Aidat, bak\u0131m, bo\u015f kalma, vergi, sigorta ve tadilat giderleri gelirden d\u00fc\u015f\u00fclmelidir.<\/p>\n<p>Kira talebi g\u00fc\u00e7l\u00fc daire tipi, b\u00f6lgedeki kirac\u0131 profili, ortalama kiralanma s\u00fcresi ve benzer konutlar\u0131n sat\u0131\u015f likiditesi ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<p>Gelecekteki de\u011fer art\u0131\u015f\u0131 tahmindir. Resmi plan ve projeleri do\u011frulamadan yaln\u0131zca s\u00f6ylentiye dayal\u0131 yat\u0131r\u0131m yap\u0131lmamal\u0131d\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Net kira getirisi<\/li>\n<li>Bo\u015f kalma riski<\/li>\n<li>Aidat oran\u0131<\/li>\n<li>Kirac\u0131 talebi<\/li>\n<li>Sat\u0131\u015f likiditesi<\/li>\n<li>B\u00f6lgesel geli\u015fim<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"yeni-konut\">24. S\u0131f\u0131r ve Projeden Konut Al\u0131rken Dikkat Edilecekler<\/h2>\n<p>Projeden sat\u0131\u015fta yaln\u0131zca \u00f6rnek daireye ve bro\u015f\u00fcre g\u00fcvenmeyin. Arsa tapusu, ruhsat, proje, teslim tarihi, teknik \u015fartname, ortak alanlar ve sat\u0131c\u0131n\u0131n mali ve hukuki durumu ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<p>S\u00f6zle\u015fmede ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm\u00fcn konumu, net alan\u0131, malzeme markalar\u0131 veya kalite standard\u0131, teslim tarihi, gecikme halinde sonu\u00e7lar, aidat tahmini ve cayma ko\u015fullar\u0131 a\u00e7\u0131k\u00e7a yaz\u0131lmal\u0131d\u0131r.<\/p>\n<p>Maket ve reklam g\u00f6rselleri ba\u011flay\u0131c\u0131 teknik \u015fartname yerine ge\u00e7mez. S\u00f6zle\u015fmedeki de\u011fi\u015fiklik yetkilerinin kapsam\u0131n\u0131 dikkatle okuyun.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Arsa ve ruhsat<\/li>\n<li>Teknik \u015fartname<\/li>\n<li>Net alan<\/li>\n<li>Teslim tarihi<\/li>\n<li>Gecikme cezas\u0131<\/li>\n<li>Ortak alanlar<\/li>\n<li>Sat\u0131c\u0131 ara\u015ft\u0131rmas\u0131<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"ikinci-el\">25. \u0130kinci El Ev Al\u0131rken Dikkat Edilecekler<\/h2>\n<p>\u0130kinci el konutta ge\u00e7mi\u015f kullan\u0131m, tadilat, tesisat \u00f6mr\u00fc, kirac\u0131, aidat borcu ve bina bak\u0131m ge\u00e7mi\u015fi daha fazla \u00f6nem ta\u015f\u0131r.<\/p>\n<p>Sat\u0131c\u0131dan b\u00fcy\u00fck tadilat faturalar\u0131n\u0131 ve m\u00fcmk\u00fcnse cihaz bak\u0131m kay\u0131tlar\u0131n\u0131 isteyin. Kombi, klima, ankastre ve sabit e\u015fyalar\u0131n sat\u0131\u015fa dahil olup olmad\u0131\u011f\u0131n\u0131 yaz\u0131l\u0131la\u015ft\u0131r\u0131n.<\/p>\n<p>Eski binalarda elektrik ve su tesisat\u0131n\u0131n yenilenme durumunu, \u00e7at\u0131 ve d\u0131\u015f cephe masraflar\u0131n\u0131, asans\u00f6r uygunlu\u011funu ve deprem a\u00e7\u0131s\u0131ndan teknik inceleme ihtiyac\u0131n\u0131 ayr\u0131ca de\u011ferlendirin.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Tesisat ya\u015f\u0131<\/li>\n<li>Tadilat ge\u00e7mi\u015fi<\/li>\n<li>Sabit e\u015fyalar<\/li>\n<li>Bina bak\u0131m\u0131<\/li>\n<li>Bor\u00e7lar<\/li>\n<li>Teknik inceleme<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"kontrol-listesi\">26. Ev Sat\u0131n Alma Kontrol Listesi<\/h2>\n<p>A\u015fa\u011f\u0131daki liste, kapora ve tapu \u00f6ncesinde temel kontrolleri tek sayfada g\u00f6rmenizi sa\u011flar. Her madde t\u00fcm ta\u015f\u0131nmazlar i\u00e7in yeterli olmayabilir; somut duruma g\u00f6re uzman kontrol\u00fc eklenmelidir.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Sat\u0131c\u0131 ve malik do\u011fruland\u0131<\/li>\n<li>Tapu ve ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm e\u015fle\u015fti<\/li>\n<li>Takyidatlar incelendi<\/li>\n<li>Kat m\u00fclkiyeti\/irtifak\u0131 \u00f6\u011frenildi<\/li>\n<li>Ruhsat ve iskan do\u011fruland\u0131<\/li>\n<li>Mimari proje ile fiili durum kar\u015f\u0131la\u015ft\u0131r\u0131ld\u0131<\/li>\n<li>Net alan \u00f6l\u00e7\u00fcld\u00fc<\/li>\n<li>Teknik inceleme yap\u0131ld\u0131<\/li>\n<li>Deprem ve zemin riski ara\u015ft\u0131r\u0131ld\u0131<\/li>\n<li>Ekspertiz okundu<\/li>\n<li>Aidat ve bor\u00e7lar kontrol edildi<\/li>\n<li>Kirac\u0131 durumu incelendi<\/li>\n<li>Toplam masraf hesapland\u0131<\/li>\n<li>Kapora s\u00f6zle\u015fmesi yaz\u0131l\u0131 haz\u0131rland\u0131<\/li>\n<li>\u00d6deme ve teslim plan\u0131 olu\u015fturuldu<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"hatalar\">27. Ev Al\u0131rken En S\u0131k Yap\u0131lan Hatalar<\/h2>\n<p>En yayg\u0131n hata, dekorasyonun etkisiyle hukuki ve teknik kontrolleri ikinci plana atmakt\u0131r. Yeni mutfak veya boya, tapu ve ta\u015f\u0131y\u0131c\u0131 sistem sorununu ortadan kald\u0131rmaz.<\/p>\n<p>Sadece bir kez ve g\u00fcnd\u00fcz g\u00f6r\u00fclen ev hakk\u0131nda acele karar vermek; \u00e7evre g\u00fcr\u00fclt\u00fcs\u00fc, otopark, kom\u015fuluk ve ula\u015f\u0131m sorunlar\u0131n\u0131n g\u00f6zden ka\u00e7mas\u0131na neden olabilir.<\/p>\n<p>Belgesiz kapora vermek, d\u00fc\u015f\u00fck tapu bedeli beyan etmek, ekspertizi teknik g\u00fcvenlik raporu sanmak, kirac\u0131n\u0131n hemen \u00e7\u0131kaca\u011f\u0131n\u0131 varsaymak ve t\u00fcm nakdi sat\u0131\u015f bedeline ay\u0131rmak di\u011fer s\u0131k hatalard\u0131r.<\/p>\n<h3>Kontrol noktalar\u0131<\/h3>\n<ul>\n<li>Acele karar vermek<\/li>\n<li>Belgesiz kapora<\/li>\n<li>Tapuyu y\u00fczeysel kontrol etmek<\/li>\n<li>Sadece ilan metnine g\u00fcvenmek<\/li>\n<li>Toplam maliyeti hesaplamamak<\/li>\n<li>Teknik incelemeyi atlamak<\/li>\n<\/ul>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"sss\">28. S\u0131k Sorulan Sorular<\/h2>\n<h3>Ev al\u0131rken ilk olarak neye bak\u0131lmal\u0131?<\/h3>\n<p>\u00d6nce ihtiya\u00e7 ve b\u00fct\u00e7e belirlenmeli; ard\u0131ndan malik, tapu, ba\u011f\u0131ms\u0131z b\u00f6l\u00fcm, iskan, proje, teknik durum ve toplam maliyet birlikte kontrol edilmelidir.<\/p>\n<h3>Kapora ne zaman verilmelidir?<\/h3>\n<p>Malik ve yetki do\u011fruland\u0131ktan, temel tapu belgeleri g\u00f6r\u00fcld\u00fckten ve \u015fartlar\u0131 a\u00e7\u0131k yaz\u0131l\u0131 bir belge haz\u0131rland\u0131ktan sonra verilmelidir.<\/p>\n<h3>Kat irtifakl\u0131 ev al\u0131n\u0131r m\u0131?<\/h3>\n<p>Al\u0131nabilir; ancak bina tamamlanm\u0131\u015fsa iskan, projeye uygunluk ve kat m\u00fclkiyetine ge\u00e7ilmeme nedeni ayr\u0131ca ara\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<h3>\u0130skans\u0131z ev al\u0131n\u0131r m\u0131?<\/h3>\n<p>Tek bir cevap yoktur. \u0130skan al\u0131nmama nedeni, ruhsat, proje, belediye kay\u0131tlar\u0131 ve kredi durumu uzmanlarla incelenmeden karar verilmemelidir.<\/p>\n<h3>Ekspertiz raporu yeterli midir?<\/h3>\n<p>Hay\u0131r. Ekspertiz de\u011ferleme amac\u0131 ta\u015f\u0131r; kapsaml\u0131 statik analiz ve hukuki inceleme yerine ge\u00e7mez.<\/p>\n<h3>DASK binan\u0131n depreme dayan\u0131kl\u0131 oldu\u011funu g\u00f6sterir mi?<\/h3>\n<p>Hay\u0131r. DASK sigorta korumas\u0131d\u0131r; binan\u0131n ta\u015f\u0131y\u0131c\u0131 g\u00fcvenli\u011fini onaylayan m\u00fchendislik raporu de\u011fildir.<\/p>\n<h3>Tapu harc\u0131n\u0131 kim \u00f6der?<\/h3>\n<p>Kanuni hesap al\u0131c\u0131 ve sat\u0131c\u0131 i\u00e7in ayr\u0131 ayr\u0131 binde 20 \u015feklindedir. Taraflar\u0131n fiili \u00f6deme payla\u015f\u0131m\u0131 anla\u015fmaya konu olabilir; resmi tahakkuk ve sorumluluk i\u015flem \u00f6ncesinde do\u011frulanmal\u0131d\u0131r.<\/p>\n<h3>Evde kirac\u0131 varsa sat\u0131n al\u0131nabilir mi?<\/h3>\n<p>Evet; ancak mevcut kira ili\u015fkisi, depozito, tahliye ko\u015fullar\u0131 ve varsa dava dosyalar\u0131 incelenmelidir.<\/p>\n<h3>Net metrekare nas\u0131l do\u011frulan\u0131r?<\/h3>\n<p>Onayl\u0131 mimari proje, ekspertiz raporu ve yerinde \u00f6l\u00e7\u00fcm kar\u015f\u0131la\u015ft\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n<h3>Ev ka\u00e7 kez g\u00f6r\u00fclmeli?<\/h3>\n<p>M\u00fcmk\u00fcnse farkl\u0131 g\u00fcn ve saatlerde en az iki kez g\u00f6r\u00fclmeli; son ziyarette teknik kontrol ve teslim edilecek e\u015fyalar ayr\u0131nt\u0131l\u0131 incelenmelidir.<\/p>\n<h3>Sat\u0131\u015f bedeli tapuda d\u00fc\u015f\u00fck g\u00f6sterilebilir mi?<\/h3>\n<p>Ger\u00e7ek sat\u0131\u015f bedelinden d\u00fc\u015f\u00fck beyan vergi, har\u00e7 ve ispat sorunlar\u0131 do\u011furabilir. Resmi kurallara uygun ger\u00e7ek bedel esas al\u0131nmal\u0131d\u0131r.<\/p>\n<h3>Ev al\u0131rken avukat gerekli mi?<\/h3>\n<p>Her i\u015flemde zorunlu de\u011fildir; ancak y\u00fcksek bedel, vek\u00e2let, miras, hisseli tapu, ipotek, kirac\u0131 veya proje sorunu varsa uzman hukuki destek g\u00fc\u00e7l\u00fc bi\u00e7imde \u00f6nerilir.<\/p>\n<p style=\"text-align:right;\"><a href=\"#icindekiler\">\u0130\u00e7indekilere d\u00f6n \u2191<\/a><\/p>\n<h2 id=\"sonuc\">29. Sonu\u00e7: Ev Al\u0131rken Acele De\u011fil, Do\u011frulama Kazand\u0131r\u0131r<\/h2>\n<p>Ev al\u0131rken en do\u011fru yakla\u015f\u0131m; be\u011feni, fiyat, hukuk, teknik g\u00fcvenlik ve finansman\u0131 ayn\u0131 anda de\u011ferlendirmektir. \u0130yi g\u00f6r\u00fcnen fakat tapusu, projesi veya ta\u015f\u0131y\u0131c\u0131 sistemi sorunlu bir konut uzun y\u0131llar s\u00fcren maliyet ve uyu\u015fmazl\u0131k do\u011furabilir. Buna kar\u015f\u0131l\u0131k belgeleri do\u011frulanm\u0131\u015f, ger\u00e7ek piyasa de\u011feri ara\u015ft\u0131r\u0131lm\u0131\u015f ve toplam maliyeti hesaplanm\u0131\u015f bir konut daha g\u00fcvenli karar zemini sa\u011flar.<\/p>\n<p>Kapora vermeden \u00f6nce malik ve tapu kontrol\u00fc yap\u0131n; iskan ve proje bilgilerini do\u011frulay\u0131n; evi farkl\u0131 saatlerde g\u00f6r\u00fcn; teknik \u015f\u00fcpheleri uzman incelemesine b\u0131rak\u0131n; kredi ve t\u00fcm yan giderleri ayn\u0131 b\u00fct\u00e7ede hesaplay\u0131n; \u00f6deme ve teslim ko\u015fullar\u0131n\u0131 yaz\u0131l\u0131la\u015ft\u0131r\u0131n.<\/p>\n<div style=\"background:#fff8e1;border:1px solid #f2c300;padding:20px;margin:28px 0;border-radius:8px;\">\n<h3>Sar\u0131Sayfalar.com’da Sat\u0131l\u0131k Ev \u0130lanlar\u0131n\u0131 \u0130nceleyin<\/h3>\n<p>Sar\u0131Sayfalar.com, emlak, ara\u00e7, i\u015f ve ikinci el kategorilerinde kullan\u0131c\u0131lar\u0131 ilanlarla bulu\u015fturan yeni nesil ilan platformudur. B\u00fct\u00e7enize ve arad\u0131\u011f\u0131n\u0131z b\u00f6lgeye uygun sat\u0131l\u0131k konut ilanlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rabilir, kendi ilan\u0131n\u0131z\u0131 yay\u0131nlayabilirsiniz.<\/p>\n<p><strong>\u0130lanlar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken bu rehberdeki kontrol listesini kullanmay\u0131 unutmay\u0131n.<\/strong><\/p>\n<\/div>\n<h2>Resmi Kaynaklar ve G\u00fcncelleme Notu<\/h2>\n<ul>\n<li>Tapu ve Kadastro Genel M\u00fcd\u00fcrl\u00fc\u011f\u00fc: Tapu sat\u0131\u015f harc\u0131 ve tapu i\u015flemleri hakk\u0131nda g\u00fcncel resmi a\u00e7\u0131klamalar.<\/li>\n<li>TKGM 2026 D\u00f6ner Sermaye Tarifesi: 1 Ocak 2026 itibar\u0131yla y\u00fcr\u00fcrl\u00fckteki tarife.<\/li>\n<li>e-Devlet \/ Web Tapu: Tapu bilgileri ve Web Tapu i\u015flemleri.<\/li>\n<li>Do\u011fal Afet Sigortalar\u0131 Kurumu: DASK kapsam\u0131, tarife ve genel \u015fartlar.<\/li>\n<\/ul>\n<p><em>Resmi \u00fccretler, sigorta limitleri ve i\u015flem uygulamalar\u0131 de\u011fi\u015febilir. Yay\u0131nlamadan ve i\u015flem yapmadan \u00f6nce g\u00fcncel resmi kaynaklar yeniden kontrol edilmelidir.<\/em><\/p>\n<\/article>\n<p><\/body><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve Kapsaml\u0131 Rehber Ev Al\u0131rken Nelere Dikkat Edilmeli? 2026 G\u00fcncel ve…","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[326],"tags":[484,482,363,406,485,480,481,403,401,405,397,243,399,400,483],"class_list":["post-1163","post","type-post","status-publish","format-standard","category-emlak-rehberi","tag-dask","tag-deprem-riski","tag-ekspertiz-raporu","tag-emlak-rehberi","tag-emlak-vergisi","tag-ev-alirken-dikkat-edilmesi-gerekenler","tag-ev-satin-alma-rehberi","tag-iskan-belgesi","tag-kat-mulkiyeti","tag-konut-kredisi","tag-konut-satin-alma","tag-sarisayfalar","tag-satilik-daire","tag-tapu-islemleri","tag-tapu-masrafi","cs-entry"],"_links":{"self":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts\/1163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/comments?post=1163"}],"version-history":[{"count":3,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts\/1163\/revisions"}],"predecessor-version":[{"id":1166,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/posts\/1163\/revisions\/1166"}],"wp:attachment":[{"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/media?parent=1163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/categories?post=1163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sarisayfalar.com\/blog\/wp-json\/wp\/v2\/tags?post=1163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}