?potekli konut finansman? ve T?rkiye de?erlendirmesi
Bibliographic record
Abstract
Etkili bir konut finansman sistemi, hem t?keticilerin konut talebinin kar??lanmas? hem de in?aat ve finans sekt?rlerinin geli?imi a??s?ndan b?y?k ?neme sahiptir. Sistem, konut kredilerinden olu?an alacaklara dayal? sermaye piyasas? ara?lar?n?n ihrac? suretiyle i?lerlik kazanmaktad?r. K?saca "menkul k?ymetle?tirme" denilen bu sistem tezin ana konusunu olu?turmaktad?r. 2007 y?l?n?n ilk ?eyre?inde ipotekli konut finansman kanunu T?rkiye'de yasala?m??t?r. 2007 y?l?n?n ikinci yar?s?nda ise ABD'de ba?layan "mortgage" kaynakl? k?resel mali kriz t?m d?nyay? etkisi alt?na alm??t?r. Bu gerek?eler konuya olan ilgiyi art?rm??t?r. Bu geli?meler ?er?evesinde ipotekli konut finansman sisteminin ?lkemiz uygulamalar?nda daha s?k tart???laca?? ve geli?meye a??k oldu?u ifade edilebilir. Bu tezde ipotekli konut finansman sisteminin ?nemi ve T?rkiye'de uygulanabilirli?i ele al?nmaktad?r. Bu ?er?evede ilk b?l?mde ipotekli konut finansman sisteminin genel ?zellikleri, taraflar? ve ara?lar? ile ilgili bilgiler verilmektedir. ?kinci b?l?mde d?nyada ipotekli konut finansman sisteminin uygulamalar? anlat?lm??t?r. Son b?l?mde ise T?rkiye'de yak?n ge?mi?te yasala?an ipotekli konut finansman kanununun getirdi?i yeniliklere ve sistemine yer verilmi?tir. Anahtar Kelimeler: ?potekli konut finansman sistemi, menkul k?ymetle?tirme, konut finansman?, konut kredileri. An efficient housing finance system has a big role in both meeting housing demands for the consumers and in the development of the construction and finance sectors in the economy. The housing finance system begins to function thereby the capital markets instruments issue provided by securitization of the receivables which arises from housing loan. Shortly system of the name "securitization" is the main subject of thesis. In the first quarter of 2007 mortgage law has been legislated. In the second half of the 2007, financial crisis originated from mortgage has started in USA which causes global effects. All these reasons increase our interest in this subject. Therefore?? it can be stated that in our country's applications mortgage will be argued more often and tend to progression. In this thesis, the importance of housing finance system and applicability in Turkey has been studied. In the first section of this study, general characteristics, institutions and instruments of housing finance system are explained. Applications of the housing finance system in the world take place in the second section of the thesis. In the last section, recently innovations brought by the mortgage law were legislated and its system in Turkey is examined. Keywords: Mortgage, securitization, housing finance, housing loans.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.004 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.001 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.002 | 0.002 |
| Scholarly communication | 0.007 | 0.003 |
| Open science | 0.001 | 0.003 |
| Research integrity | 0.002 | 0.003 |
| Insufficient payload (model declined to judge) | 0.073 | 0.021 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".