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Geri Ödemelerin ve Kira Ödemelerinin Parçalı Aritmetik Değişimli Olduğu Ortaklığa Dayalı Konut Finansmanı Modeli

A Home Financing Model Based On Partnership with Repayments and Rent Payments with Piecewise Arithmetic Gradient Series

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Abstract (2. Language): 
In today’s world, the applications of home financing models are widely used. In particular, the difficulties encountered in cases of dept payment and home ownership has resulted the development of different payment methods in the home financing models. A home financing model based on partnership is a financing model that while customer’s share is increasing with repayments and rent incomes, the share of financier is reducing. In the Home Financing Model based on partnership, repayments consist of quantity or proportional differences for each term according to person’s level of income and economic structure. General formulae obtained from a variety of models are in the literature. However, the formulas are inadequate to solve some problems. In this study, new formulas are proposed in the case of repayments and especially rent payments are piecewise arithmetic gradient series by developing some of the assumptions of the home financing model. Furthermore, numerical examples and solutions are given for the developed models.
Abstract (Original Language): 
Günümüzde konut finansman modeli uygulamaları oldukça yaygın olarak kullanılmaktadır. Özellikle konut sahibi olma ve borcunu ödeme durumlarında karşılaşılan zorluklar, konut finansmanı modellerinde farklı ödeme yöntemlerini geliştirme sonucunu doğurmaktadır. Ortaklığa Dayalı Konut Finansmanı Modeli, geri ödemeler ve kira gelirleri ile müşterinin hissesinin arttığı, finansörün hissesinin azaldığı bir finansman modelidir. Ortaklığa Dayalı Konut Finansmanı Modeli’nde, geri ödemeler kişinin gelir düzeyine ve ekonomik yapısına göre her bir dönem için miktarsal ya da oransal farklılıklar göstermektedir. Çeşitli modeller ile elde edilen genel formüller literatürde yer almaktadır. Ancak bazı problemlerin çözümünde bu formüller yetersiz kalmaktadır. Bu çalışmada, Ortaklığa Dayalı Konut Finansmanı Modeli’ndeki bazı varsayımlar genişletilerek geri ödemelerin ve özellikle de kira ödemelerinin parçalı aritmetik eğilimli seri olduğu durumlar için yeni formüller türetilmiştir ve geliştirilen model için sayısal örnek verilmiştir.
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In today’s world, the applications of home financing models are widely used. In particular, the difficulties encountered in cases of dept payment and home ownership has resulted the development of different payment methods in the home financing models. A home financing model based on partnership is a financing model that while customer’s share is increasing with repayments and rent incomes, the share of financier is reducing. In the Home Financing Model based on partnership, repayments consist of quantity or proportional differences for each term according to person’s level of income and economic structure. General formulae obtained from a variety of models are in the literature. However, the formulas are inadequate to solve some problems. In this study, new formulas are proposed in the case of repayments and especially rent payments are piecewise arithmetic gradient series by developing some of the assumptions of the home financing model. Furthermore, numerical examples and solutions are given for the developed models.

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