by Melih Alsaç
At different stages of life, the idea of acquiring assets is an important part of the journey to ensure our financial security. Buying real estate is a big step in this journey. However, managing this process properly is critical to strike a proper balance with your income and secure your financial future. In this article, we will examine the balance of income and expenditure that should be considered when buying a home and the strategies that should be followed to achieve this balance.
Income and Savings Balance: First Step
Gayrimenkul satın alırken ilk olarak yapılması gereken, toplam yatırım miktarını belirlemek ve bu yatırımın ne kadarını tasarruflarınızla karşılayabileceğinizi analiz etmektir. Örneğin, 3.000.000 TL değerinde bir ev satın almayı planlıyorsanız, bu tutarın en az %30’unu, yani 900.000 TL’yi tasarruflarınızdan karşılamanız önerilir. Geri kalan 2.100.000 TL’lik kısmı ise kredi veya borçlanma modelleriyle finanse edebilirsiniz.
Highlights:
- Savings Rate: Yatırımın en az %30’unu tasarruflarla karşılamak, finansal esnekliği artırır.
- Amount Remaining Financing the remaining amount with a loan makes the debt burden more manageable.
Loan Repayment Capacity: Income and Installment Balance
Bir ev almak için kredi kullanmayı planlıyorsanız, aylık gelirinizle kredi taksitleri arasındaki dengeyi doğru kurmak çok önemlidir. Uzmanlar, kredi taksitlerinin aylık gelirinizin %30’unu geçmemesini önerir. Örneğin, aylık 10.000 TL geliriniz varsa, kredi taksitlerinizin en fazla 3.000 TL olması idealdir. Bu oran, bütçenizi zorlamadan, finansal sürdürülebilirliği sağlar.
Loan Repayment Strategy:
- Income-Tax Ratio: Gelirinizin %30’undan fazlasını kredi taksitine ayırmamak uzun vadeli finansal denge için kritik önem taşır.
- Risk Management: High installments can create financial risk in the face of unforeseen circumstances.
Risks and Economic Volatility: Being Prepared
Many investors in Turkey invest in real estate with large borrowings. However, economic fluctuations, personal financial difficulties or unexpected events can make it difficult to repay these loans. In this case, banks may seize the properties of people who cannot repay their loans, and these properties may then be sold below market value. Such risks can lead to serious financial losses for investors.
Risk Management:
- Economic Fluctuations: It is important to be prepared for economic uncertainties and build financial reserves.
- Risk of Property Loss: Failure to make loan payments could result in the loss of the property.
A Sustainable and Balanced Approach
Success in real estate investments depends on adopting a sustainable and balanced financial approach. Investors should take steps in line with their financial situation and be resilient against unexpected situations by making long-term plans. It is of utmost importance that investments made with the aim of making a profit are supported by careful analysis and sound financial planning.
Strategic Approach:
- Long Term Planning: When making investment decisions, it is necessary to assess the long-term impacts.
- Financial Assurance: It is important to build financial buffers for sudden revenue losses or economic crises.
Conclusion:
When buying real estate, getting the balance of income and expenditure right is vital for financial sustainability and quality of life. Every individual's financial situation is different; therefore, thinking carefully and making long-term plans is a critical step when making investment decisions. Striking the right balance means securing not only the present, but also the future.
Frequently Asked Questions (FAQs)
1. What should be the savings rate when buying a house?
Genellikle, evin toplam değerinin %30’unu tasarruflarla karşılamak önerilir. Bu, finansal riskleri azaltır ve kredi yükünü hafifletir.
2. What is the ideal ratio between loan installments and income?
Kredi taksitlerinin, aylık gelirinizin %30’unu geçmemesi önerilir. Bu oran, bütçenizin sürdürülebilirliğini sağlar.
3. What are the biggest risks in real estate investments?
Economic fluctuations, unexpected personal financial problems and high debt are among the biggest risks in real estate investments.
