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PARÇALI GEOMETRİK DEĞİŞİMLİ GERİ ÖDEMELER İLE ORTAKLIĞA DAYALI KONUT FİNANSMAN MODELİ

A HOME FINANCING MODEL BASED ON PARTNERSHIP WITH PIECEWISE GEOMETRIC GRADIENT SERIES REPAYMENTS

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Abstract (2. Language): 
One of the ways of being a homeowner is to make a deal with a financial institution based on making the loan payments with a specific interest rate over a certain period of time. The parties are being partners with financing the cost of the home with certain amounts in a home financing model based on partnership. The shares of the financial institution decrease steadily with periodic repayments of the customer to the financial institution and eventually the customer becomes the sole owner of the entire home. Meanwhile, the parties share the rental income according to their shares on the agreement during the period of contract. In this study, general formulae are derived for a home financing model based on partnership with piecewise geometric gradient series repayments.
Abstract (Original Language): 
Kredi ile ev sahibi olmanın bir yolu, finans kurumu ile anlaşma yapılarak, alınan kredinin belli bir faiz oranı üzerinden belli bir sürede geri ödenmesidir. Ortaklığa dayalı konut finansmanı modelinde ise taraflar konutun bedelini belli oranlarda finanse ederek alınan konuta ortak olmaktadırlar. Müşteri finans kurumuna periyodik geri ödemeler yapmak suretiyle, finans kurumunun hissesi giderek azalmakta ve nihayetinde konutun tamamı müşterinin olmaktadır. Bu arada taraflar anlaşma süreci boyunca hisseleri oranında konutun kira gelirini paylaşmaktadırlar. Bu çalışmada; geri ödemelerin parçalı geometrik değişimli seri olması durumunda, ortaklığa dayalı konut finansman modelinin genel formülleri türetilmiştir.

REFERENCES

References: 

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