{"id":20994,"date":"2016-05-21T12:06:50","date_gmt":"2016-05-21T09:06:50","guid":{"rendered":"http:\/\/politeknik.org.tr\/\/?p=20994"},"modified":"2019-01-28T20:40:26","modified_gmt":"2019-01-28T17:40:26","slug":"yukselen-insaat-finans-kompleks-haussmannin-ruhu-ve-santiyelesen-kentler-umit-akcay-kriz-notlari","status":"publish","type":"post","link":"https:\/\/eonmeet.com\/pol\/yukselen-insaat-finans-kompleks-haussmannin-ruhu-ve-santiyelesen-kentler-umit-akcay-kriz-notlari\/","title":{"rendered":"Y\u00fckselen in\u015faat-finans kompleks, Haussmann\u2019\u0131n ruhu ve \u015fantiyele\u015fen kentler \u2013 \u00dcmit Ak\u00e7ay (Kriz Notlar\u0131)"},"content":{"rendered":"<p>Express\u2019in ge\u00e7en say\u0131s\u0131nda 2016 y\u0131l\u0131 i\u00e7in ana hatlar\u0131yla ortaya koymaya \u00e7al\u0131\u015ft\u0131\u011f\u0131m \u201cakt\u00fcel kriz konjonkt\u00fcr\u00fc\u201d dinamiklerini[1], bu yaz\u0131da T\u00fcrkiye\u2019de in\u015faat sekt\u00f6r\u00fcndeki geli\u015fmeler \u00e7er\u00e7evesinde (kar\u015f\u0131 dinamiklerle birlikte) somutla\u015ft\u0131rmaya \u00e7al\u0131\u015faca\u011f\u0131m. Zira 2015\u2019te T\u00fcrkiye\u2019de konut fiyatlar\u0131 art\u0131\u015f\u0131 s\u00fcrse de in\u015faat sekt\u00f6r\u00fcndeki b\u00fcy\u00fcme durdu! A\u015fa\u011f\u0131da, ilk olarak T\u00fcrkiye\u2019deki yap\u0131 sekt\u00f6r\u00fcnde ya\u015fanan g\u00fcncel geli\u015fmeleri de\u011ferlendirmek i\u00e7in \u201ctemellere d\u00f6nerek\u201d s\u00fcrece nas\u0131l bakmak gerekti\u011fi \u00fczerine baz\u0131 hat\u0131rlatmalarda bulunaca\u011f\u0131m. Ard\u0131ndan 2000\u2019lerde y\u00fckselen in\u015faat-finans komplekse ve \u00f6zelliklerine de\u011finece\u011fim. Son olarak T\u00fcrkiye\u2019deki yap\u0131 sekt\u00f6r\u00fcn\u00fcn 2015\u2019teki geli\u015fimini ortaya koyup ve 2016 i\u00e7in olas\u0131 geli\u015fmelere i\u015faret edece\u011fim.<\/p>\n<p><strong>Temellere d\u00f6nmek: Ev\u2019den &#8216;konut\u2019a<\/strong><br \/>\nHer ge\u00e7en g\u00fcn say\u0131s\u0131 daha da artan in\u015faatlarla geni\u015f bir \u015fantiyeye d\u00f6nen kentler, art\u0131k hepimizin ortak deneyimi haline geldi. \u00d6zellikle b\u00fcy\u00fck\u015fehirlerde olanlar\u0131m\u0131z\u0131n. Bu geni\u015f \u015fantiyelerde \u00fcretilen \u00fcr\u00fcn ise hanehalk\u0131 b\u00fct\u00e7esinin en b\u00fcy\u00fck harcama kalemlerinden birini olu\u015fturan konut. Peki son y\u0131llarda gerek iktisadi, gerekse siyasi g\u00fcndemin \u00f6nemli maddelerinden biri haline gelen yap\u0131 sekt\u00f6r\u00fcndeki geli\u015fmelere nas\u0131l bakmal\u0131? Bu alandaki g\u00fcncel geli\u015fmeleri de\u011ferlendirmeden, \u00f6ncelikle \u201ctemellere d\u00f6nerek\u201d kulland\u0131\u011f\u0131m\u0131z kavramsal alet-edevat setini biraz parlatmak gerekiyor. Temellere d\u00f6nd\u00fc\u011f\u00fcm\u00fczde ilk kar\u015f\u0131m\u0131za \u00e7\u0131kan, bu geni\u015fletilmi\u015f \u015fantiyelerde \u00fcretilen \u00fcr\u00fcn\u00fcn, kapitalist toplumsal \u00fcretim ili\u015fkilerinin hakim oldu\u011fu bir yap\u0131da t\u0131pk\u0131 di\u011fer \u00fcr\u00fcnler gibi meta oldu\u011fudur.<\/p>\n<p>E\u011fer konut da di\u011ferleri gibi bir meta ise, her meta gibi konutun da bir kullan\u0131m ve de\u011fi\u015fim de\u011feri vard\u0131r. Dolay\u0131s\u0131yla K. Marks\u2019\u0131n kapitalizm analizinde \u00f6nemli bir yer tutan meta ve kullan\u0131m de\u011feri-de\u011fi\u015fim de\u011feri kavramlar\u0131,[2] \u015fantiyele\u015fmi\u015f kentlerde \u00fcretilen metalar\u0131n anla\u015f\u0131lmas\u0131 i\u00e7in de kullan\u0131labilir. Metalar\u0131n kullan\u0131m de\u011ferleri, onlar\u0131n spesifik olarak belirli bir ihtiyac\u0131 kar\u015f\u0131lama \u00f6zelli\u011fi olmas\u0131 anlam\u0131na gelir. De\u011fi\u015fim de\u011feri ise metan\u0131n kar\u015f\u0131lad\u0131\u011f\u0131 spesifik ihtiya\u00e7tan ba\u011f\u0131ms\u0131z olarak, onlar\u0131n emek g\u00fcc\u00fcn\u00fc ihtiva etmelerinden kaynaklan\u0131r ve de\u011fi\u015fim s\u00fcrecinde a\u00e7\u0131\u011fa \u00e7\u0131kar. Bu anlamda meta, tan\u0131m gere\u011fi kullan\u0131m de\u011feri olmadan var olamaz. Kullan\u0131m de\u011feri, de\u011fi\u015fim de\u011ferinin ta\u015f\u0131y\u0131c\u0131s\u0131d\u0131r. Bir ba\u015fka ifadeyle, bir \u00fcr\u00fcn\u00fcn sat\u0131labilmesi i\u00e7in belirli bir ihtiyac\u0131 kar\u015f\u0131lamas\u0131 gerekir. Ancak kapitalist \u00fcretimin amac\u0131 ihtiya\u00e7lar\u0131n kar\u015f\u0131lanmas\u0131 de\u011fil, ihtiya\u00e7lar\u0131n kar\u015f\u0131lanmas\u0131 sonucunda elde edilecek olan art\u0131 de\u011fere ula\u015fmakt\u0131r. Bir giri\u015fimci i\u00e7in, otomobil, kalem, bardak ya da konut \u00fcretmek aras\u0131nda bir fark yoktur, hepsinde ama\u00e7 art\u0131 de\u011fere \u2013ve onun bir par\u00e7as\u0131 olan k\u00e2ra- ula\u015fmakt\u0131r.<\/p>\n<p><a href=\"\/wp-content\/uploads\/2016\/05\/kentlesme_1-744x1024.jpg\"><img decoding=\"async\" class=\"alignnone wp-image-20995\" src=\"\/wp-content\/uploads\/2016\/05\/kentlesme_1-744x1024.jpg\" alt=\"kentlesme_1-744x1024\" width=\"630\" height=\"867\" srcset=\"https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_1-744x1024.jpg 744w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_1-744x1024-218x300.jpg 218w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_1-744x1024-109x150.jpg 109w\" sizes=\"(max-width: 630px) 100vw, 630px\" \/><\/a><\/p>\n<p>Bu \u00e7er\u00e7eveyi kentsel alana uygulad\u0131\u011f\u0131m\u0131zda, kullan\u0131m de\u011feri anlam\u0131nda \u201cev\u201d olan, yani bar\u0131nma ihtiyac\u0131m\u0131z\u0131 kar\u015f\u0131layan metan\u0131n, ayn\u0131 zamanda de\u011fi\u015fim de\u011feri anlam\u0131nda bir \u201ckonut\u201d oldu\u011fu, yani ihtiya\u00e7 kar\u015f\u0131lama \u00f6zelli\u011finin yan\u0131 s\u0131ra \u2013 hatta yer yer bundan ba\u011f\u0131ms\u0131z olarak- bir yat\u0131r\u0131m arac\u0131 haline geldi\u011fini g\u00f6rebiliriz. Ancak bir metan\u0131n kullan\u0131m ve de\u011fi\u015fim de\u011feri, s\u00fcrece kimin g\u00f6z\u00fcnden bakt\u0131\u011f\u0131n\u0131za, yani sermayenin sosyal d\u00f6ng\u00fcs\u00fcndeki faillere g\u00f6re de\u011fi\u015fir. Bu \u00e7er\u00e7eve, elbette yeni de\u011fil. 1973\u2019te yay\u0131mlanan Kentsel Adalet ve \u015eehir kitab\u0131nda D. Harvey bu meseleyi etrafl\u0131ca ele alm\u0131\u015ft\u0131. Harvey erken d\u00f6nemli bu \u00e7al\u0131\u015fmas\u0131nda, kentsel alanda alt\u0131 temel fail ve bunlara g\u00f6re bi\u00e7imlenen kullan\u0131m ve de\u011fi\u015fim de\u011feri \u015femas\u0131n\u0131 tan\u0131mlar.[3]\n<p>Bunlardan ilki konutta oturanlard\u0131r. Konutta oturanlar\u0131n (\u00f6zellikle de kirac\u0131lar\u0131n) temel amac\u0131 kullan\u0131m de\u011feri elde etmektir. Onlar i\u00e7in, genellikle konut bir yat\u0131r\u0131m arac\u0131 olmaktan \u00e7ok, i\u00e7inde ya\u015fan\u0131lan bir evdir. \u0130kinci akt\u00f6r olan emlak\u00e7\u0131lar, konuttan oturanlar\u0131n tam aksine, tamam\u0131yla de\u011fi\u015fim de\u011feri odakl\u0131d\u0131r. Elbette bir konutun de\u011fi\u015fim de\u011ferinin y\u00fcksek olmas\u0131, onun ihtiya\u00e7 giderme kapasitesinin y\u00fcksek olmas\u0131yla ili\u015fkilidir. Ancak emlak\u00e7\u0131 i\u00e7in \u00f6nemli olan konutun de\u011fi\u015fim de\u011feridir.<\/p>\n<p>\u00dc\u00e7\u00fcnc\u00fc akt\u00f6r, ev sahipleridir. Ev sahipleri i\u00e7in kullan\u0131m de\u011ferinin mi de\u011fi\u015fim de\u011ferinin mi \u00f6nemli oldu\u011fu, ev sahibinin sahibi oldu\u011fu evde oturup oturmad\u0131\u011f\u0131na g\u00f6re de\u011fi\u015fir. \u0130lk durumda kullan\u0131m de\u011feri \u00f6ndeyken, ikinci durumda de\u011fi\u015fim de\u011feri \u00f6ne \u00e7\u0131kar. M\u00fcteahhitler ve in\u015faat \u015firketleri i\u00e7in de\u011fi\u015fim de\u011feri esast\u0131r. Herhangi bir kapitalist giri\u015fimci gibi amac\u0131 \u00fcretilen metan\u0131n sat\u0131lmas\u0131 sonucunda kar elde etmektir. Daha fazla de\u011fi\u015fim de\u011feri elde etmek i\u00e7in konutun kullan\u0131m de\u011ferinin y\u00fcksek olmas\u0131 \u00f6nemlidir ancak de\u011fi\u015fim de\u011feri i\u00e7in bu tek k\u0131stas de\u011fildir.<\/p>\n<p>Be\u015finci akt\u00f6r finans sistemidir. Finans sistemi, esas olarak ev sahibi olmak isteyen kirac\u0131lar ve in\u015faat \u015firketleri ile ili\u015fkilidir, bu iki kesim i\u00e7in finansman sa\u011flar. Finans sistemi i\u00e7in, konut sahibi olmak isteyenlere verilen kredilerin kullan\u0131m de\u011feri, bunlar\u0131n bankalar i\u00e7in d\u00fczenli bir gelir ak\u0131\u015f\u0131 yaratmas\u0131ndan kaynaklan\u0131r. Kredinin de\u011fi\u015fim de\u011feri ise, bu d\u00fczenli gelir ak\u0131\u015f\u0131na dayan\u0131larak \u00fcretilen t\u00fcrev \u00fcr\u00fcnler ile kurulur. Finans sistemi, \u00e7e\u015fitli yollarla bu t\u00fcrev \u00fcr\u00fcnlerin daha fazla m\u00fcdahale edilmesine \u00e7abalar. \u0130n\u015faat \u015firketlerine verilen kredinin kullan\u0131m de\u011feri in\u015faat \u015firketinin finansman\u0131n\u0131n sa\u011flanmas\u0131 iken de\u011fi\u015fim de\u011feri, bu firmalar\u0131n \u00fcretece\u011fi de\u011fi\u015fim de\u011ferinden pay anlam\u0131na gelen faiz geliridir.<\/p>\n<p>Harvey\u2019in s\u0131ralad\u0131\u011f\u0131 akt\u00f6rlerden sonuncusu devlettir. Devlet m\u00fcdahalesi iki t\u00fcrl\u00fc i\u015fler. Bir yandan m\u00fcmk\u00fcn oldu\u011fu kadar fazla insan\u0131n bar\u0131nma ihtiyac\u0131n\u0131n kar\u015f\u0131lanmas\u0131n\u0131 g\u00f6zetece\u011fi i\u00e7in kullan\u0131m de\u011feri odakl\u0131d\u0131r. Di\u011fer yandan da in\u015faat sekt\u00f6r\u00fcn\u00fcn geli\u015fmesinin ekonomik b\u00fcy\u00fcmeye sa\u011flad\u0131\u011f\u0131 katk\u0131 nedeniyle daha fazla de\u011fi\u015fim de\u011feri yaratacak d\u00fczenlemeleri yapmaktan geri durmaz. Yapt\u0131\u011f\u0131 altyap\u0131 yat\u0131r\u0131mlar\u0131 ile hem konutlar\u0131n kullan\u0131m de\u011ferlerini, hem de de\u011fi\u015fim de\u011ferlerini art\u0131r\u0131c\u0131 etkide bulunur.<\/p>\n<p>Yukar\u0131da s\u0131ralanan akt\u00f6rlerin birbiriyle ili\u015fkisi, sermaye birikim s\u00fcrecinin farkl\u0131 d\u00f6nemleri boyunca ayn\u0131 kalm\u0131yor. Akt\u00f6rler, her d\u00f6nemde konutun kullan\u0131m ve de\u011fi\u015fim de\u011ferini \u00f6ne \u00e7\u0131karan stratejiler izleyerek kendi pozisyonlar\u0131n\u0131 g\u00fc\u00e7lendirmeye \u00e7al\u0131\u015f\u0131rken, bu stratejiler sermaye birikiminin geni\u015fleme ve daralma a\u015famalar\u0131na g\u00f6re de\u011fi\u015febiliyor. Yine farkl\u0131 birikim d\u00f6nemleri s\u0131ras\u0131nda akt\u00f6rler aras\u0131nda farkl\u0131 ittifaklar ya da \u00e7at\u0131\u015fmalar ortaya \u00e7\u0131kabiliyor. Bir sonraki b\u00f6l\u00fcmde, bu ittifaklardan g\u00fcn\u00fcm\u00fczde giderek y\u00fckselen in\u015faat-finans kompleksi ele alaca\u011f\u0131m.<\/p>\n<p><a href=\"\/wp-content\/uploads\/2016\/05\/kentlesme_2.jpg\"><img decoding=\"async\" class=\"alignnone wp-image-20996\" src=\"\/wp-content\/uploads\/2016\/05\/kentlesme_2.jpg\" alt=\"kentlesme_2\" width=\"630\" height=\"334\" srcset=\"https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_2.jpg 660w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_2-300x159.jpg 300w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_2-150x80.jpg 150w\" sizes=\"(max-width: 630px) 100vw, 630px\" \/><\/a><\/p>\n<p><strong>Y\u00fckselen in\u015faat-finans kompleks<\/strong><\/p>\n<p>Yukar\u0131da s\u0131ralanan akt\u00f6rlerden m\u00fcteahhitler ve in\u015faat \u015firketleri ile devlet, sermaye birikim s\u00fcrecinin farkl\u0131 a\u015famalar\u0131nda hep ili\u015fkili olmu\u015ftur. \u00d6rne\u011fin, 1960\u2019larda T\u00fcrkiye\u2019de kalk\u0131nma planlamas\u0131 sistemi uygulamaya ge\u00e7ti\u011finde, temel tart\u0131\u015fma konular\u0131ndan biri, yat\u0131r\u0131mlar\u0131n \u00fcretken olmayan alanlardan \u00fcretken olan alanlara nas\u0131l y\u00f6nlendirilece\u011fidir. Daha basit\u00e7e \u00f6zel sekt\u00f6r\u00fcn yat\u0131r\u0131mlar\u0131n\u0131 in\u015faattan sanayiye nas\u0131l kayd\u0131r\u0131laca\u011f\u0131 ilk planc\u0131lar\u0131n kar\u015f\u0131la\u015ft\u0131klar\u0131 en \u00f6nemli sorunlardand\u0131r.[4] Planc\u0131lar\u0131n in\u015faat yat\u0131r\u0131mlar\u0131n\u0131 cayd\u0131r\u0131c\u0131, sanayi yat\u0131r\u0131mlar\u0131n\u0131 \u00f6zendirici \u00f6nerileri, ilkinin reddedilmesiyle sonu\u00e7lanm\u0131\u015f, 1967\u2019de Turgut \u00d6zal\u2019\u0131n DPT m\u00fcste\u015farl\u0131\u011f\u0131ndan sonra planlama, herhangi bir cayd\u0131r\u0131c\u0131 yan\u0131 olmadan, \u00f6zel sekt\u00f6re kaynak aktarman\u0131n bir arac\u0131 olarak i\u015flev g\u00f6rm\u00fc\u015ft\u00fcr.<\/p>\n<p>\u0130n\u015faat\u00e7\u0131lar ve devlet aras\u0131ndaki ili\u015fki, 1980 sonras\u0131, bu sefer \u00d6zal\u2019\u0131n ba\u015fbakanl\u0131\u011f\u0131 d\u00f6neminde daha da derinle\u015ferek s\u00fcrm\u00fc\u015ft\u00fcr. \u00d6zellikle imar yasas\u0131nda yap\u0131lan de\u011fi\u015fiklikler, gecekondu aflar\u0131 ve di\u011fer d\u00fczenlemelerle in\u015faat firmalar\u0131 ve devlet aras\u0131ndaki ili\u015fkiler yo\u011funla\u015farak artm\u0131\u015ft\u0131r. Bu d\u00f6nem ayn\u0131 zamanda 2001 krizi sonras\u0131na benzer \u015fekilde bina stokunda g\u00fc\u00e7l\u00fc s\u0131\u00e7ramalar\u0131n ya\u015fanmas\u0131yla sonu\u00e7lanm\u0131\u015ft\u0131r.[5]\n<p><a href=\"\/wp-content\/uploads\/2016\/05\/turgut_ozal.jpg\"><img decoding=\"async\" width=\"343\" height=\"257\" class=\"size-full wp-image-20997 alignright\" src=\"\/wp-content\/uploads\/2016\/05\/turgut_ozal.jpg\" alt=\"turgut_ozal\" srcset=\"https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/turgut_ozal.jpg 343w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/turgut_ozal-300x225.jpg 300w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/turgut_ozal-150x112.jpg 150w\" sizes=\"(max-width: 343px) 100vw, 343px\" \/><\/a>Finans sistemi, 2000\u2019lere kadar s\u00fcren devlet ile m\u00fcteahhitler ve in\u015faat firmalar\u0131 aras\u0131ndaki ili\u015fkiye yeni boyutlar getirmi\u015ftir. Ger\u00e7ekten de ge\u00e7ti\u011fimiz 15 y\u0131lda finans sisteminde ya\u015fanan de\u011fi\u015fimleri anlamadan, kent mekan\u0131ndaki de\u011fi\u015fim dinamiklerini tam olarak anlamland\u0131rmak zordur. 2000\u2019lerde bu ili\u015fkiyi de\u011fi\u015ftiren iki temel unsur vard\u0131r. Bunlardan ilki 2001 krizi sonras\u0131nda bankac\u0131l\u0131k sisteminin yeniden yap\u0131land\u0131r\u0131lmas\u0131, ikincisi de kriz sonras\u0131 uygulanan ekonomi program\u0131 sonucunda enflasyondaki sert d\u00fc\u015f\u00fc\u015ft\u00fcr. Bu iki fakt\u00f6r\u00fcn sonucunda faizlerin g\u00f6reli d\u00fc\u015f\u00fc\u015f\u00fc uzun vadeli konut kredileri i\u00e7in uygun bir ortam yaratm\u0131\u015f ve b\u00f6ylece 2000\u2019lerle birlikte bireysel bor\u00e7lanman\u0131n h\u0131zla artmas\u0131 i\u00e7in gerekli ekonomik yap\u0131 kurulmu\u015ftur. Bireysel bor\u00e7lanman\u0131n \u00f6nemli bir k\u0131sm\u0131n\u0131 ise konut kredileri olu\u015fturmaktad\u0131r. K\u0131sacas\u0131, 2000\u2019li y\u0131llarda m\u00fcteahhitler ve in\u015faat firmalar\u0131n\u0131n devletle kurdu\u011fu ili\u015fki, \u00f6nceki d\u00f6nemlere g\u00f6re niteliksel olarak farkl\u0131la\u015fm\u0131\u015ft\u0131r. \u0130n\u015faat-finans kompleksin y\u00fckseli\u015fi olarak adland\u0131r\u0131labilecek olan bu yeni s\u00fcrecin ay\u0131rt edici unsuru finansal i\u00e7erilme mekanizmalar\u0131 ile farkl\u0131 gelir seviyesine sahip toplum kesimlerinin bor\u00e7land\u0131r\u0131larak konut piyasas\u0131na \u00e7ekilebilmesidir.<\/p>\n<p>\u0130n\u015faat-finans kompleksin y\u00fckseli\u015fi, devletin aktif deste\u011fi ile ger\u00e7ekle\u015fmi\u015ftir. Devletin bu yap\u0131y\u0131 desteklemesinin farkl\u0131 nedenleri vard\u0131r. Bunlardan ilki, in\u015faat sekt\u00f6r\u00fcn\u00fcn farkl\u0131 sekt\u00f6rler i\u00e7in talep yaratmas\u0131 \u00f6zelli\u011fidir. B\u00f6ylelikle y\u00fckselen in\u015faat-finans kompleks ekonominin canl\u0131 tutulmas\u0131 i\u00e7in \u00f6nemli bir unsur olarak g\u00f6r\u00fclmektedir. \u0130kincisi, bu sekt\u00f6rde genellikle kalifiye olmayan eme\u011fin istihdam edilmesi, sekt\u00f6r\u00fc bu tip emek arz\u0131n\u0131n emilmesinde \u00f6nemli hale getirmektedir. Sonuncusu da, sekt\u00f6r\u00fcn geli\u015fimi sonucunda olu\u015fan rant\u0131n payla\u015f\u0131m\u0131n\u0131n siyasi mekanizmalarla yak\u0131ndan ili\u015fkili olmas\u0131 nedeniyle, bu alandaki geli\u015fmelerin siyasete tahvil edilmesinin m\u00fcmk\u00fcn olmas\u0131d\u0131r.<\/p>\n<p>Bu saiklerle hareket eden devlet d\u00f6rt temel mekanizmayla in\u015faat-finans kompleksin y\u00fckseli\u015fine destek sunmaktad\u0131r. Bunlardan ilki uygun makro ekonomik ortam\u0131n yarat\u0131lmas\u0131d\u0131r. Bunun anlam\u0131, uygulanan para politikas\u0131n\u0131n bir sonucu olarak reel faizlerin olduk\u00e7a d\u00fc\u015f\u00fck seyretmesi, mevcut yat\u0131r\u0131m ara\u00e7lar\u0131 aras\u0131nda mevduat faizinin y\u0131ll\u0131k olarak enflasyon kar\u015f\u0131s\u0131nda tasarruflar\u0131 cezbedecek d\u00fczeyde olmamas\u0131yla sonu\u00e7lanmaktad\u0131r. Bu ise, s\u00fcrekli artan konut fiyatlar\u0131 ile birle\u015fti\u011finde, giderek artan bir \u015fekilde konutun bir yat\u0131r\u0131m arac\u0131na d\u00f6n\u00fc\u015fmesini, yani kullan\u0131m de\u011ferinden ziyade de\u011fi\u015fim de\u011ferinin \u00f6ne \u00e7\u0131kmas\u0131n\u0131 beraberinde getirmi\u015ftir.<\/p>\n<p>\u0130kinci olarak 1999 depreminden sonra kentsel d\u00f6n\u00fc\u015f\u00fcm projelerine ba\u015flanmas\u0131 ve buna y\u00f6nelik yap\u0131lan yasal d\u00fczenlemelerle in\u015faat tekelleri i\u00e7in istikrarl\u0131 bir konut talebinin yarat\u0131lmas\u0131 sa\u011flanm\u0131\u015ft\u0131r. \u00dc\u00e7\u00fcnc\u00fcs\u00fc, kentsel altyap\u0131 projeleri ile bu projelerin yap\u0131ld\u0131\u011f\u0131 yerlerde muazzam rantlar\u0131n yarat\u0131lmas\u0131 sa\u011flanm\u0131\u015f, bu ise konut fiyatlar\u0131ndaki art\u0131\u015f trendini destekleyen bir fakt\u00f6r olarak i\u015flev g\u00f6rm\u00fc\u015ft\u00fcr. Son olarak TOK\u0130\u2019nin dev bir kamu giri\u015fimi olarak konut piyasas\u0131ndaki varl\u0131\u011f\u0131, hem piyasadaki fiyat olu\u015fumuna, hem konut arz\u0131n\u0131n art\u0131r\u0131lmas\u0131na hem de finans sistemiyle kurdu\u011fu ba\u011flant\u0131lar sayesinde farkl\u0131 finansman se\u00e7eneklerini devreye sokmas\u0131yla sekt\u00f6r\u00fcn geli\u015fimine katk\u0131da bulunmaktad\u0131r.<\/p>\n<p><a href=\"\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576.jpg\"><img decoding=\"async\" class=\"alignnone wp-image-20998\" src=\"\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576.jpg\" alt=\"kentlesme_3-1024x576\" width=\"630\" height=\"354\" srcset=\"https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576.jpg 1024w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576-300x169.jpg 300w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576-768x432.jpg 768w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576-150x84.jpg 150w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576-754x424.jpg 754w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/kentlesme_3-1024x576-354x200.jpg 354w\" sizes=\"(max-width: 630px) 100vw, 630px\" \/><\/a><\/p>\n<p><strong>\u0130mar hakk\u0131 transferi<\/strong><\/p>\n<p>\u0130n\u015faat-finans kompleksin geli\u015fimi i\u00e7in kritik geli\u015fmelerden biri, ge\u00e7ti\u011fimiz y\u0131l g\u00fcndeme gelen \u0130mar Hakk\u0131 Transferi (\u0130HT) sisteminin devreye sokulacak olmas\u0131d\u0131r. \u00d6nceki y\u0131llarda in\u015faat firmalar\u0131 taraf\u0131ndan \u00f6nerilen bu sistem, 2014 sonunda \u00c7evre ve \u015eehircilik Bakanl\u0131\u011f\u0131 taraf\u0131ndan bir yasa tasla\u011f\u0131 haline d\u00f6n\u00fc\u015ft\u00fcr\u00fclm\u00fc\u015ft\u00fcr. Sistem, bakanl\u0131\u011f\u0131n sayfas\u0131nda \u015f\u00f6yle tan\u0131mlanm\u0131\u015f: \u201cBir parsel \u00fczerindeki imar hakk\u0131n\u0131n tamamen ya da k\u0131smi olarak yasaklanmas\u0131 durumunda bu parsel \u00fczerindeki imar hakk\u0131n\u0131n bir k\u0131sm\u0131n\u0131n veya tamam\u0131n\u0131n menkulle\u015ftirme y\u00f6ntemi ile ba\u015fka alanlara transfer edilmesidir.\u201d \u0130HT sistemi ile gayr\u0131 menkullerin menkul k\u0131ymetle\u015ftirilmesi s\u00fcreci hayata ge\u00e7mi\u015f olacak ve kentsel d\u00f6n\u00fc\u015f\u00fcm projelerinde sorun \u00e7\u0131karan direni\u015f odaklar\u0131 piyasa temelli \u00e7\u00f6z\u00fcmlerle bertaraf edilmeye \u00e7al\u0131\u015f\u0131lacakt\u0131r. Bu uygulama ayn\u0131 zamanda yeni bir emlak sertifikas\u0131 borsas\u0131n\u0131n kurulmas\u0131yla finans piyasalar\u0131n\u0131n daha da derinle\u015fmesine hizmet edecektir. Uygulamaya ge\u00e7ildi\u011fi takdirde \u0130HT sisteminin iki temel sonucunun olmas\u0131 beklenebilir: (i) kentsel mekan\u0131n metala\u015fmas\u0131 s\u00fcrecinin derinle\u015fmesi ve de\u011fi\u015fim de\u011ferinin hakimiyetinin peki\u015ftirilmesi, (ii) konut sekt\u00f6r\u00fc ile finans sisteminin b\u00fct\u00fcnle\u015fmesinin h\u0131zlanmas\u0131.[6] Her ne kadar hen\u00fcz uygulamaya ge\u00e7ilmese de \u0130HT sistemi, 64. H\u00fck\u00fcmetin ilk bir y\u0131l i\u00e7inde hayat ge\u00e7irmeyi taahh\u00fct etti\u011fi d\u00fczenlemeler aras\u0131ndad\u0131r.<\/p>\n<p><strong>Bina tamamlama sigortas\u0131<\/strong><\/p>\n<p>Son olarak yine ge\u00e7ti\u011fimiz y\u0131l hayata ge\u00e7irilen Bina Tamamlama Sigortas\u0131 ile in\u015faat firmalar\u0131n projelerini tamamlayamadan iflas etmeleri durumunda olu\u015facak riskin, in\u015faat-finans kompleksi olu\u015fturan unsurlara yay\u0131lmas\u0131n\u0131 engellemek ama\u00e7lan\u0131yor. Bunun i\u00e7in in\u015faat firmalar\u0131na bina tamamlama sigortas\u0131 yapt\u0131rma zorunlulu\u011fu getiriliyor. B\u00f6ylelikle, maketten sat\u0131\u015f yapan bir in\u015faat firmas\u0131n\u0131n iflas etmesi ya da belirtilen tarihte konutlar\u0131n teslim edilememesi durumunda, sigorta yapan kurulu\u015f devreye giriyor. Ge\u00e7ti\u011fimiz y\u0131l yap\u0131lan bu d\u00fczenleme k\u0131sa d\u00f6nemde ekonomideki k\u00f6t\u00fcle\u015fme olas\u0131l\u0131\u011f\u0131na kar\u015f\u0131 in\u015faat sekt\u00f6r\u00fc kaynakl\u0131 bir riskin ortaya \u00e7\u0131kmas\u0131n\u0131 \u00f6nleme amac\u0131 ta\u015f\u0131yor. Buna ek olarak d\u00fczenleme ile in\u015faat tekelleri ve finans sistemi aras\u0131ndaki ili\u015fkinin daha da sa\u011flamla\u015fmas\u0131n\u0131 sa\u011flamak \u00fczere sigorta \u015firketlerinin devreye sokulmas\u0131 ile orta ve uzun d\u00f6nemde T\u00fcrkiye\u2019deki in\u015faat-finans kompleksin daha da kurumsalla\u015ft\u0131r\u0131lmas\u0131 hedefleniyor.[7]\n<p><strong>Haussmann\u2019\u0131n ruhu ve yap\u0131 sekt\u00f6r\u00fcnde g\u00fcncel geli\u015fmeler<\/strong><\/p>\n<p>1. Engels, 1876\u2019da yay\u0131mlanan Konut Sorunu\u2019nda Avrupa\u2019da kapitalizmin geli\u015fimi ile birlikte kentlerde ortaya \u00e7\u0131kan bar\u0131nma, imar ve kentle\u015fme sorunlar\u0131na de\u011finir. O d\u00f6nemde de d\u00fc\u015f\u00fck gelirlilerin ya\u015fad\u0131\u011f\u0131 i\u015f\u00e7i mahallelerinin kentin d\u0131\u015f\u0131na s\u00fcr\u00fclmesi, konut sorununa sermayenin verdi\u011fi yan\u0131tt\u0131r. Yoksullar\u0131n d\u0131\u015f mahallere s\u00fcr\u00fclmesini Engels, \u0130mparatorluk Fransas\u0131ndaki s\u00fcrece de\u011finerek a\u00e7\u0131klar: \u201cBonapart\u00e7\u0131l\u0131k, bu e\u011filimi, Haussmann kanal\u0131yla, Pariste dalavere ve bireysel zenginle\u015fme u\u011fruna b\u00fcy\u00fck \u00f6l\u00e7\u00fcde s\u00f6m\u00fcrm\u00fc\u015ft\u00fcr. Ancak Haussmann\u2019\u0131n ruhu yurtd\u0131\u015f\u0131na ta\u015fm\u0131\u015f, Londra, Manchester ve Liverpool\u2019da da bulunmu\u015ftur ve kendisini Berlin ve Viyana\u2019da da evinde hissetmi\u015ftir\u201d.[8] Engels\u2019in Haussmann\u2019\u0131n ruhu olarak adland\u0131rd\u0131\u011f\u0131 s\u00fcrecin \u00fc\u00e7 temel \u00f6zelli\u011fi vard\u0131r.<\/p>\n<p><span style=\"line-height: 1.5;\"><a href=\"\/wp-content\/uploads\/2016\/05\/haussman-792x1024.jpg\"><img decoding=\"async\" class=\"alignnone wp-image-20999\" src=\"\/wp-content\/uploads\/2016\/05\/haussman-792x1024.jpg\" alt=\"haussman-792x1024\" width=\"630\" height=\"815\" srcset=\"https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/haussman-792x1024.jpg 792w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/haussman-792x1024-232x300.jpg 232w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/haussman-792x1024-768x993.jpg 768w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/haussman-792x1024-116x150.jpg 116w, https:\/\/eonmeet.com\/pol\/wp-content\/uploads\/2016\/05\/haussman-792x1024-754x975.jpg 754w\" sizes=\"(max-width: 630px) 100vw, 630px\" \/><\/a>Bunlardan ilki, kent mekan\u0131n\u0131n sermaye lehine d\u00fczenlemesi, ikincisi siyasal iktidarlar\u0131n kent mekan\u0131n\u0131 isyan bast\u0131rma teknolojilerinin bir uzant\u0131s\u0131 olarak g\u00f6rmeleri, \u00fc\u00e7\u00fcnc\u00fcs\u00fc ise kent mekan\u0131n\u0131n yeniden d\u00fczenlenmesinde rol alan kapitalistlerin siyasal iktidarla yak\u0131nl\u0131klar\u0131 oran\u0131nda zenginle\u015fmeleri. 19. y\u00fczy\u0131l\u0131n sonlar\u0131nda Fransa\u2019n\u0131n ba\u015fkenti Paris\u2019te yap\u0131lan muazzam kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn mimar\u0131 olan Haussmann\u2019\u0131n ruhu \u015fimdi t\u00fcm T\u00fcrkiye \u015fehirlerinde dola\u015f\u0131yor. Y\u00fckselen in\u015faat-finans kompleks, Haussmann\u2019\u0131n ruhu ile birle\u015fti\u011finde kar\u015f\u0131m\u0131za \u00e7\u0131kan \u015fantiyele\u015fen kentler, HES projeleriyle kurutulan dereler, madenler nedeniyle kesilen a\u011fa\u00e7lar, iktidara yak\u0131nl\u0131klar\u0131 oran\u0131nda zenginle\u015fen in\u015faat tekelleri ve kent mekan\u0131n\u0131n devletin g\u00fcvenlik alg\u0131s\u0131na g\u00f6re yeniden d\u00fczenlenmesidir.<\/span><\/p>\n<p>Ancak 2000\u2019li y\u0131llarda y\u00fckselen in\u015faat-finans kompleksi g\u00fc\u00e7l\u00fc k\u0131lan unsurlar, ayn\u0131 zamanda sistemin zay\u0131f yan\u0131n\u0131 da olu\u015fturur. Yukar\u0131da, in\u015faat-finans kompleks ile \u00f6nceki d\u00f6nemlerde in\u015faat firmalar\u0131 ile devlet aras\u0131ndaki ili\u015fkileri ay\u0131ran\u0131n 2000\u2019li y\u0131llarda finans sisteminin bu s\u00fcrece dahil olmas\u0131 oldu\u011funa i\u015faret etmi\u015ftim. Ger\u00e7ekten de, 2000\u2019li y\u0131llarda hem bireysel bor\u00e7lanman\u0131n katlanarak artmas\u0131, hem de firma bor\u00e7lulu\u011fundaki m\u00fcthi\u015f art\u0131\u015f, \u00f6nceki d\u00f6nemlere g\u00f6re net bir ayr\u0131m olu\u015fturuyor. Yine ayn\u0131 d\u00f6nemde d\u0131\u015f bor\u00e7lar\u0131n \u201c\u00f6zelle\u015ftirilmesi\u201d s\u00fcreci de s\u00f6z konusu, yani kamu bor\u00e7lanma piyasas\u0131ndaki a\u011f\u0131rl\u0131\u011f\u0131n\u0131 g\u00f6reli olarak azalt\u0131yor. Bunun sonucunda, k\u00fcresel ekonomik krizin T\u00fcrkiye\u2019ye olas\u0131 yans\u0131ma kanallar\u0131 aras\u0131nda firma bor\u00e7lulu\u011fu giderek \u00f6ne \u00e7\u0131k\u0131yor. Firmalar\u0131n yurt d\u0131\u015f\u0131 bor\u00e7lanmalar\u0131 bankalar arac\u0131l\u0131\u011f\u0131yla olabildi\u011fi gibi do\u011frudan bor\u00e7lanma ile de ger\u00e7ekle\u015febiliyor. Bu durumda krizin olas\u0131 yans\u0131malar\u0131 hem d\u00f6viz bi\u00e7iminde bor\u00e7lanm\u0131\u015f firmalar\u0131n ya\u015fayabilece\u011fi sorunlar hem de bankac\u0131l\u0131k sistemi arac\u0131l\u0131\u011f\u0131yla g\u00f6r\u00fclebilir.<\/p>\n<p>\u0130\u015f Bankas\u0131 Y\u00f6netin Kurulu Ba\u015fkan\u0131 E. \u00d6zince, ge\u00e7ti\u011fimiz sonbaharda bu durumu \u015f\u00f6yle \u00f6zetlemi\u015fti: T\u00fcrkiye, son 10 y\u0131ldaki o \u015fahlanan bankac\u0131l\u0131k d\u00f6nemini geride b\u0131rakt\u0131.[9] \u00d6zince, daha sonra yapt\u0131\u011f\u0131 a\u00e7\u0131klamada ise, in\u015faat-finans kompleksin k\u0131r\u0131lgan yan\u0131na de\u011findi: \u201c\u0130ki bu\u00e7uk ay bizim mevduat\u0131m\u0131z\u0131n vadesi. 7 sene ortalama vadede konut kredisini nereye kadar verebiliriz zannediyorsunuz? Aferin verin derseniz g\u00fcn\u00fcn birinde cezas\u0131n\u0131 siz \u00f6deyeceksiniz, 2001\u2019de oldu\u011fu gibi. Ya da hep beraber \u00f6deyece\u011fiz vergi m\u00fckellefleri olarak\u201d.[10]\n<p>\u0130n\u015faat sekt\u00f6r\u00fcn\u00fcn de i\u00e7inde oldu\u011fu yap\u0131 sekt\u00f6r\u00fcndeki g\u00fcncel geli\u015fmelere bakt\u0131\u011f\u0131m\u0131zda in\u015faat-finans kompleksin geli\u015fimi hakk\u0131nda daha somut bilgilere ula\u015fabiliriz. Ge\u00e7ti\u011fimiz ay Yap\u0131-End\u00fcstri Merkezi taraf\u0131ndan yay\u0131mlanan rapora g\u00f6re[11] 2015\u2019te in\u015faat sekt\u00f6r\u00fcndeki b\u00fcy\u00fcme y\u00fczde 0.4 olarak ger\u00e7ekle\u015fti, yani in\u015faat sekt\u00f6r\u00fc fiilen durdu.[12] Yine 2015\u2019te toplam yap\u0131 ruhsatlar\u0131nda y\u00fczde 24.8, konut yap\u0131 ruhsatlar\u0131nda y\u00fczde 25.2 gerileme ya\u015fanm\u0131\u015ft\u0131r.[13] Bu gerilemelere ra\u011fmen konut fiyatlar\u0131 artmay\u0131 s\u00fcrd\u00fcr\u00fcyor: art\u0131\u015f y\u00fczde 10.6.[14] \u0130n\u015faat sekt\u00f6r\u00fcn\u00fcn d\u0131\u015f pazarlarla ili\u015fkisinde ise tam bir \u00e7\u00f6k\u00fc\u015f ya\u015fan\u0131yor. Bu \u00e7\u00f6k\u00fc\u015fte bir yandan k\u00fcresel krizin etkileri, di\u011fer yandan da h\u00fck\u00fcmetin d\u0131\u015f politika tercihleri etkili. \u0130hracatta 2015 y\u0131l\u0131nda in\u015faat malzemeleri sanayi y\u00fczde 19.8, yurt d\u0131\u015f\u0131 m\u00fcteahhitlik i\u015fleri ise proje say\u0131s\u0131 baz\u0131nda y\u00fczde 49.4 oran\u0131nda geriledi.[15] \u0130n\u015faat malzemeleri ihracat\u0131nda ilk 20 pazara bak\u0131ld\u0131\u011f\u0131nda izlenen d\u0131\u015f politikan\u0131n bu \u00e7\u00f6k\u00fc\u015fteki etkileri daha net olarak g\u00f6r\u00fclebiliyor. 2015\u2019te in\u015faat malzemeleri ihracat\u0131ndaki gerileme y\u00fczde Irak\u2019ta 34.7, \u0130ran\u2019da y\u00fczde 28.3, Rusya\u2019da y\u00fczde 46.8 ve Libya\u2019da y\u00fczde 56.9 seviyesinde.[16]\n<p>Ancak t\u00fcm bu olumsuz geli\u015fmeler, in\u015faat-finans komleksin y\u00fckseli\u015f evresinin sonland\u0131\u011f\u0131 anlam\u0131na gelmiyor. Fiiliyatta rantsal d\u00f6n\u00fc\u015f\u00fcm olarak ya\u015fanan kentsel d\u00f6n\u00fc\u015f\u00fcm s\u00fcre\u00e7lerinin 2015\u2019te h\u0131z kesti\u011fi, buna kar\u015f\u0131n bina yenilemesi i\u015flemlerinin h\u0131zla artt\u0131\u011f\u0131 g\u00f6r\u00fcl\u00fcyor. Buna ra\u011fmen 3. K\u00f6pr\u00fc ya da 3. Havaalan\u0131 gibi dev projeler sa\u011flanan Hazine garantisi sayesinde \u015fimdilik sorunsuz devam ediyor. \u0130n\u015faat-finans kompleksin gelece\u011fini belirleyecek temel fakt\u00f6r ise konut fiyatlar\u0131ndaki art\u0131\u015f\u0131n s\u00fcr\u00fcp s\u00fcrmeyece\u011fi. 2015\u2019te t\u00fcm olumsuzluklara kar\u015f\u0131n enflasyon oran\u0131n\u0131n \u00fczerinde artan konut fiyatlar\u0131, de\u011fi\u015fim de\u011ferinin kent mekan\u0131ndaki hakimiyetinin a\u00e7\u0131k bir g\u00f6stergesi. Gerek n\u00fcfus art\u0131\u015f\u0131 gerekse kentsel d\u00f6n\u00fc\u015f\u00fcm projeleri nedeniyle istikrarl\u0131 bir konut talebinin yarat\u0131ld\u0131\u011f\u0131 d\u00fc\u015f\u00fcn\u00fcl\u00fcrse bu art\u0131\u015f\u0131n 2016 i\u00e7in de s\u00fcrmesi beklenebilir. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde, d\u00fc\u015f\u00fck faizin bir yat\u0131r\u0131m arac\u0131 olarak konut al\u0131m\u0131n\u0131 te\u015fvik eden seviyesi de\u011fi\u015fmezse in\u015faat-finans kompleks \u015fehirlerimizi \u015fantiyeye \u00e7evirmeye devam edecek!<\/p>\n<p>2016 y\u0131l\u0131 i\u00e7inde, 64. H\u00fck\u00fcmet\u2019in ekonomik durgunlu\u011fa kar\u015f\u0131 uygulamaya koydu\u011fu \u00fc\u00e7 ayakl\u0131 program\u0131n sonu\u00e7lar\u0131n\u0131 g\u00f6rece\u011fiz. Kamu harcamalar\u0131ndaki art\u0131\u015f, asgari \u00fccretin y\u00fckseltilmesi ve kredi musluklar\u0131n\u0131n a\u00e7\u0131lmas\u0131na dayanan bu program, ihracat\u0131n \u00e7\u00f6kt\u00fc\u011f\u00fc bir ortamda ekonomik b\u00fcy\u00fcmenin i\u00e7 pazar olanaklar\u0131n\u0131n kullan\u0131larak desteklenmesine dayan\u0131yor.[17] \u0130n\u015faat-finans kompeks a\u00e7\u0131s\u0131ndan program\u0131n kamu harcamalar\u0131 art\u0131\u015f\u0131 ve \u00f6zellikle de kredi geni\u015flemesi maddeleri \u00f6nemli.<\/p>\n<p>2008 krizi sonras\u0131nda ortaya \u00e7\u0131kan finansal istikrars\u0131zl\u0131klar\u0131n azalt\u0131lmas\u0131 ve sistemik risk fakt\u00f6rlerinin kontrol alt\u0131na al\u0131nmas\u0131 amac\u0131yla uygulamaya ge\u00e7irilen makroihtiyati tedbirler paketinin en \u00f6nemli bile\u015feni, kredi geni\u015flemesinin kontrol alt\u0131na al\u0131nmas\u0131yd\u0131. BDDK arac\u0131l\u0131\u011f\u0131yla yap\u0131lan d\u00fczenlemelerle bireysel bor\u00e7lanmadaki art\u0131\u015f h\u0131z\u0131 bir miktar yava\u015flad\u0131. Ancak ekonomik b\u00fcy\u00fcmedeki tempo d\u00fc\u015f\u00fckl\u00fc\u011f\u00fc, al\u0131nan bu \u00f6nlemlerden geri d\u00f6n\u00fclmesiyle sonu\u00e7lanacak gibi g\u00f6r\u00fcn\u00fcyor. Zira kredi geni\u015flemesi olmadan ne ekonomik b\u00fcy\u00fcmeyi s\u00fcrd\u00fcrmek ne de in\u015faat-finans kompleksi ayakta tutmak m\u00fcmk\u00fcn. Gelecekte kazan\u0131lacak gelirin bug\u00fcnden harcanmas\u0131 ya da \u201cgelece\u011fe ka\u00e7\u0131\u015f\u201d olarak bor\u00e7lanma art\u0131\u015f\u0131na dayanan ekonomik yap\u0131 varl\u0131\u011f\u0131n\u0131 s\u00fcrd\u00fcrd\u00fck\u00e7e in\u015faat-finans kompleksteki k\u0131r\u0131lganl\u0131klar var olmaya devam edecek.<\/p>\n[1] \u00dc. Ak\u00e7ay, (2015) \u201c2016\u2019da D\u00fcnya ve T\u00fcrkiye: \u0130stikrars\u0131zl\u0131kta \u0130stikrar\u201d, Express, (141): 38-40.<\/p>\n[2] K. Marks, (2004 [1867]) Kapital, Birinci Cilt, \u00c7ev. Alaattin Bilgi, Ankara: Sol Yay\u0131nlar\u0131.<\/p>\n[3] Burada akt\u00f6rler i\u00e7in Harvey\u2019in kitapta belirtti\u011fi kesimlere sad\u0131k kald\u0131m. Ancak akt\u00f6rlere g\u00f6re de\u011fi\u015fen kullan\u0131m ve de\u011fi\u015fim de\u011feri \u015femalar\u0131n\u0131 g\u00fcncel eklemelerle geni\u015flettim.<\/p>\n[4] \u00dc. Ak\u00e7ay, (2007) Kapitalizmi Planlamak: T\u00fcrkiye\u2019de Planlaman\u0131n ve DPT\u2019nin d\u00f6n\u00fc\u015f\u00fcm\u00fc, \u0130stanbul: Sav Yay\u0131nlar\u0131.<\/p>\n[5] M. Penbecio\u011flu (2011) \u201cYap\u0131l\u0131 \u00c7evre \u00dcretimi, Devlet ve B\u00fcy\u00fck \u00d6l\u00e7ekli Kentsel Projeler\u201d, Birikim, (270): 62-73.<\/p>\n[6] \u00dc. Ak\u00e7ay, (2014) \u201c\u0130mar Hakk\u0131 Transferi: Kentsel Mekan\u0131n Finansalla\u015ft\u0131r\u0131lmas\u0131\u201d, Ba\u015flang\u0131\u00e7 Dergi, 24.12.2014, eri\u015fim: http:\/\/goo.gl\/n8fmeJ<\/p>\n[7] \u00dc. Ak\u00e7ay, (2015) \u201c\u0130n\u015faat Sekt\u00f6r\u00fc \u0130\u00e7in Yeni \u00d6nlem: Bina Tamamlama Sigortas\u0131\u201d, Kriz Notlar\u0131, 16.03.2015, eri\u015fim: http:\/\/goo.gl\/TvvXL5<\/p>\n[8] F. Engels (1992 [1876]) Konut Sorunu, \u00c7ev. G\u00fcne\u015f \u00d6zdural, Sol Yay\u0131nlar\u0131, s. 22.<\/p>\n[9] E. \u00d6zince, (2015) \u201c\u00d6zince: G\u00fczel G\u00fcnler Ge\u00e7ti\u201d, Business HT, 01.10.2015, eri\u015fim: http:\/\/goo.gl\/XYnqOR<\/p>\n[10] E. \u00d6zince, (2016) \u201cErsin \u00d6zince\u2019den konut kredilerine kriz uyar\u0131s\u0131\u201d, Cumhuriyet, 02.03.2016, eri\u015fim:http:\/\/goo.gl\/o4mqLz<\/p>\n[11] YEM (2016) T\u00fcrk Yap\u0131 Sekt\u00f6r\u00fc Raporu 2015, \u0130stanbul: YEM Yay\u0131nlar\u0131<\/p>\n[12] Age. s. 7.<\/p>\n[13] Age. s. 7.<\/p>\n[14] Age. s. 8.<\/p>\n[15] Age. s. 9.<\/p>\n[16] Age. s. 106.<\/p>\n[17] \u00dc. Ak\u00e7ay, (2016) \u201cH\u00fck\u00fcmetin 2016 Plan\u0131 Netle\u015fiyor: Kriz Kar\u015f\u0131t\u0131 \u00d6nlemler Devrede\u201d, Kriz Notlar\u0131, 10.01.2016, eri\u015fim: http:\/\/goo.gl\/muC6at<\/p>\n<p><em>* Referans vermek i\u00e7in: Ak\u00e7ay, \u00dc. (2016) \u201c\u015eantiyele\u015fen Kentler\u201d, Express Dergi, (142): 40-43.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Express\u2019in ge\u00e7en say\u0131s\u0131nda 2016 y\u0131l\u0131 i\u00e7in ana hatlar\u0131yla ortaya koymaya \u00e7al\u0131\u015ft\u0131\u011f\u0131m \u201cakt\u00fcel&hellip;\n","protected":false},"author":2,"featured_media":40571,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4689],"tags":[3092],"class_list":{"0":"post-20994","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-secki","8":"tag-insaat-krizi"},"acf":[],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts\/20994","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/comments?post=20994"}],"version-history":[{"count":0,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/posts\/20994\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/media\/40571"}],"wp:attachment":[{"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/media?parent=20994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/categories?post=20994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/eonmeet.com\/pol\/wp-json\/wp\/v2\/tags?post=20994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}