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Hükümet sağlıksız yapı stokunu yenilemek için yüzyılın kentsel dönüşüm hareketini başlattı. Geçen yılın sonunda Başkan Recep Tayyip Erdoğan 'ın müjdesini verdiği "Yarısı Bizden" kampanyası kapsamında verilecek destek paketinin esaslarını belirleyen karar ise dün Resmi Gazete 'de yayımlanarak yürürlüğe girdi.
Böylece, İstanbul'da 'Yarısı Bizden' kampanyası kapsamında vatandaşlara her bir bağımsız bölüm için 700 bin lirası hibe, 700 bin lirası kredi, 100 bin lirası da kira yardımı olmak üzere 1.5 milyon lira destek sağlanacak. Ayrıca ruhsat tarihinden itibaren 24 ay geri ödemesiz dönem uygulanacak.
Kredi geri ödemeleri, geri ödemesiz dönemden sonraki ilk aydan itibaren başlayacak ve ilk 12 taksit faizsiz olmak üzere en fazla 120 ayda tamamlanacak. Kampanyaya başvuru yapmayan vatandaşlar için yeni bir fırsat sunulacak.
HANGİ ŞARTLARDA VERİLECEK? 6306 Sayılı Kanun kapsamındaki riskli yapının bulunduğu parselde ruhsat alınması ve kat irtifakı kurulması sonrası gerçek veya tüzel kişilere, talep etmeleri halinde, aynı kanun kapsamında yapacakları yeni yapılar için mevcut yapıda sahip oldukları ve idarece tespiti yapılacak konut ve iş yerlerinde yapım için yardım verilebilecek.
KİMLER FAYDALANAMAYACAK? Riskli yapının bulunduğu parsellerde üretilecek projedeki bağımsız bölüm sayısı veya inşaat alanının, mevcut bağımsız bölüm sayısı veya inşaat alanının 1.5 katını geçmesi halinde hibe ve kredi desteğinden yararlanılamayacak. Ayrıca riskli yapının bulunduğu parsellerde 1 Nisan 2023 tarihinden önce yeni yapıya ait yapı ruhsatı düzenlenmiş olması halinde yardımdan faydalanılamayacak.
KİRACIYA TAHLİYE YARDIMI VAR MI? Hak sahibine bir konut için 700 bin TL'ye kadar hibe, 700 bin TL'ye kadar kredi verilecek. İşyerini dönüştüreceklere ise 350 bin TL'ye kadar hibe, 350 bin TL'ye kadar kredi verilecek. Toplam her bir konut için 1 milyon 400 bin, her bir işyeri için 700 bin liraya kadar kredi verilebilecek. Birden fazla konut için verilecek kredide herhangi bir sınır koyulmadı. Hak sahibi, satış veya pay satışı işlemiyle edineceği taşınmaz için payı satılan hak sahibinin kullanacağı hibe ve krediyi kullanabilecek. Kiracılara da bir kerelik karşılıksız 100 bin lira destek verilecek.
ÖDEMELER KİME YAPILACAK? Hibe ve kredi desteği, inşaattaki ilerleme seviyesine göre yapılacak. Destek üç aşamada verilecek. İdarenin yapacağı yerinde inceleme esas alınarak, subasman seviyesinde, taşıyıcı sistemin bitiminde ve inşaat bitiminde olmak üzere Kentsel Dönüşüm Başkanlığı'nca üç eşit taksitle dönüşüm için destekler verilecek. Destek, yapıdaki hak sahipleri adına hak sahiplerinin anlaştığı yüklenicinin bankada açılan vadesiz hesabına yatırılacak.
GERİ ÖDEMELER NASIL OLACAK? Ruhsat tarihinden itibaren 24 ay geri ödemesiz dönem uygulanacak. Kredi geri ödemeleri, geri ödemesiz dönemden sonraki ilk aydan itibaren başlayacak ve ilk 12 taksit faizsiz olmak üzere en fazla 120 ayda tamamlanacak. Geri ödemesiz ve faizsiz dönem sonunda ilk taksit ödemesinden önce başlangıç güncellemesi yapılacak. Borç, her güncelleme döneminde güncelleme oranıyla güncellenecek.
NASIL HESAPLANACAK? Kredi geri ödemeleri, geri ödemesiz dönemden sonraki ilk aydan itibaren başlayacak. İlk 12 taksit faizsiz olmak üzere en fazla 120 ayda tamamlanacak. İlk taksit ödemesinden önce başlangıç güncellemesi yapılacak. Bu güncelleme ocakta gerçekleşecek ve TÜİK'in yayınladığı yıllık TÜFE artışının yarısı dikkate alınacak. Güncellenmiş kredi borcu belirlenirken, kredi borcundan yapılan geri ödemeler düşülecek, kalan borç güncelleme oranıyla artırılarak yeni borç bulunacak. Güncellenen borç kalan taksit sayısına bölünerek, aylık tutarı belirlenecek.
SON TARİH NE? Yapım için yardıma ilişkin hibe taahhütnamesi ve kredi sözleşmesi, Kentsel Dönüşüm Başkanlığı'na ayrılan İstanbul Dönüşüm Kampanyası Finansmanı bütçe imkânları doğrultusunda 31 Aralık 2026 tarihine kadar yapılabilecek. YENİDEN BAŞVURU FIRSATI Sabah'ta yer alan habere göre, Yarısı Bizden kampanyası için başvurular geçen yıl yapılmış ve 1.2 milyonu aşkın müracaat olmuştu. Başvuru yapmayan ancak bugün pişman olanlar için de fırsat sunulmasına karar verildi. Gürgen, "Vatandaşımız bu şartları bilmiyordum, o yüzden fırsatı kaçırdım diyebilir. Bu nedenle müracaat yapmamış olsalar dahi, kendi aralarında uzlaşı sağlarlarsa onları da kapsama alacağız. Öncelik başvuru sahibinde, sonra diğer taleplerinde" dedi.
ZEMİN UYGUN DEĞİLSE İSTANBUL DIŞINA DA ÇIKABİLİR Çevre, Şehircilik ve İklim Değişikliği Bakan Yardımcısı Vedad Gürgen, kredilerde 24 aylık geri ödemesiz dönemin ruhsat alınmasıyla başladığını belirterek, "24 ayın sonunda 12 aylık faizsiz taksit dönemi başlıyor. İnşaat 24 aydan daha kısa sürede biterse de geri ödemesiz dönem devam ediyor. Örneğin 18'inci ayda inşaat biterse 6 ay geri ödemesiz oturabiliyor. 24 ayın sonunda 12 aylık faizsiz taksit dönemi başlıyor" dedi. Gürgen, parselin zemin ve plan durumunun yeniden inşaat yapımına uygun olmaması durumunda isteyenlerin İstanbul dışına çıkabilmesinin de önünün açıldığını belirtti.
'DURUM CİDDİYE ALINMALI' Kentsel dönüşüm ün ülkedeki en kritik konu olduğunu söyleyen GYODER Başkanı Neşecan Çekici, "İstanbul'da 1.5 milyon riskli konut var, bunun 600 bini önceliklendirilmeli. Mevcut düzenleme bu anlamda oldukça değerli. Nitekim deprem değil, çürük, sağlıksız, dayanıksız binalar insan hayatını riske atıyor. Ülkemize yapılacak en büyük iyilik bu yapı stoğunun güçlendirilmesi olacak.Kentsel dönüşümler, kamuyu, özel sektörü ve sivil oluşumları bir araya getiren kapsamlı projeler. Her tarafın durumu ciddiye alması gerekiyor. Kentsel dönüşümün 'olmazsa olmazı' , tarafların sadece kendi çıkarına odaklandığı rant ve oran pazarlıklarına kurban edilmemesi gerekliliğidir" diye konuştu.
5 BİN 833 LİRA TAKSİTLE - 4'üncü yıl itibarıyla TÜFE'nin yarısı yüzde 5 olarak öngörülerek hesaplanmıştır. Enflasyonun daha düşük ya da daha yüksek çıkması durumunda taksit rakamları değişkenlik gösterebilir.