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

Yener Coskun () and Kürşat Yalçiner

Sosyoekonomi Journal, 2014, issue 21(21)

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.

Keywords: Housing Finance; Mortgage; TOKI; Poverty; Shanties. (search for similar items in EconPapers)
JEL-codes: G21 I38 R31 (search for similar items in EconPapers)
Date: 2014
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Persistent link: https://EconPapers.repec.org/RePEc:sos:sosjrn:140112

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