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İpotekli Konut Finansmanı Sisteminde Gelir/Servet Kısıtı ve Sonuçları: Yoksulluk, Gecekondu Olgusu ve TOKİ İçin Bazı Öneriler

Author

Listed:
  • Yener COŞKUN
  • Kürşat YALÇINER

Abstract

However mortgage finance would support housing ownership, the system is mostly dsyfunctional in Turkey. Based on literature and comparative data analysis, we search the components of income/wealth constraint and its consequences in housing finance, as the essential constraint of the development of mortgage system and housing ownership. We first conclude that income/wealth constraint and shanty problems are fundamental socio-economic limits of the development of mortgage finance. Secondly, TOKI system, emerged also because of the above problems, has important risks. We suggest that optimal housing subsidy system may minimize current problems and support further development in mortgage system in Turkey.

Suggested Citation

  • Yener COŞKUN & Kürşat YALÇINER, 2014. "İpotekli Konut Finansmanı Sisteminde Gelir/Servet Kısıtı ve Sonuçları: Yoksulluk, Gecekondu Olgusu ve TOKİ İçin Bazı Öneriler," Sosyoekonomi Journal, Sosyoekonomi Society, issue 21(21).
    • Handle: RePEc:sos:sosjrn:140112
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    More about this item

    Keywords

    Housing Finance; Mortgage; TOKI; Poverty; Shanties.;
    All these keywords.

    JEL classification:

    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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