{"id":1077,"date":"2026-10-06T20:30:00","date_gmt":"2026-10-06T17:30:00","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1077"},"modified":"2026-10-06T20:30:00","modified_gmt":"2026-10-06T17:30:00","slug":"kentsel-donusumun-guvencesi-sigorta","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1077","title":{"rendered":"\u201cKentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn g\u00fcvencesi sigorta\u201d"},"content":{"rendered":"

Sigorta Haftas\u0131 kapsam\u0131nda Quick Sigorta\u2019n\u0131n ev sahipli\u011finde d\u00fczenlenen \u201cOVP\u2019nin Dayan\u0131kl\u0131l\u0131k Vizyonu: Riskten Diren\u00e7lili\u011fe Kentsel D\u00f6n\u00fc\u015f\u00fcm ve Sigorta\u201d ba\u015fl\u0131kl\u0131 toplant\u0131da, d\u00f6n\u00fc\u015f\u00fcm\u00fcn finansman\u0131nda ve hak sahiplerinin korunmas\u0131nda sigortan\u0131n rol\u00fc ele al\u0131nd\u0131. M\u00fcteahhit se\u00e7iminden projelerin tamamlanmas\u0131na kadar uzanan s\u00fcre\u00e7te sigortan\u0131n denetim ve g\u00fcvence i\u015flevi ile diren\u00e7li \u015fehirler i\u00e7in b\u00fct\u00fcnc\u00fcl planlaman\u0131n \u00f6nemi vurguland\u0131.<\/strong><\/h4>\n

S\u0130GORTAMEDYA \u00d6ZEL<\/strong><\/p>\n

15.Sigorta Haftas\u0131 kapsam\u0131nda Quick Sigorta\u2019n\u0131n ev sahipli\u011finde, bug\u00fcn \u0130stanbul\u2019daki Quick Tower\u2019da d\u00fczenlenen \u201cOVP\u2019nin Dayan\u0131kl\u0131l\u0131k Vizyonu: Riskten Diren\u00e7lili\u011fe Kentsel D\u00f6n\u00fc\u015f\u00fcm ve Sigorta\u201d ba\u015fl\u0131kl\u0131 toplant\u0131da kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn finansman\u0131, afetlere kar\u015f\u0131 diren\u00e7li \u015fehirler ve sigortac\u0131l\u0131\u011f\u0131n bu s\u00fcre\u00e7teki rol\u00fcn\u00fcn ele al\u0131nd\u0131.\u00a0\u00a0<\/p>\n

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Gazeteci Noyan Do\u011fan<\/strong>\u2019\u0131n moderat\u00f6rl\u00fc\u011f\u00fcndeki panelde \u0130stanbul Planlama Ajans\u0131 Y\u00fcksek \u015eehir Planc\u0131s\u0131 \u00d6zcan Bi\u00e7er, Kentsel D\u00f6n\u00fc\u015f\u00fcm Uzman\u0131 Dr. Mimar Nihat \u015een, \u0130NDER Y\u00f6netim Kurulu \u00dcyesi Kemal Sevgili, MUAD Y\u00f6netim Kurulu Ba\u015fkan\u0131 Mikail Aydemir, SEDDK Sigorta Uzman Yard\u0131mc\u0131s\u0131 Hasan Mert Tokg\u00f6z ve Quick Sigorta Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Soner Tekba\u015f<\/strong> konu\u015fmac\u0131 olarak yer ald\u0131.<\/p>\n

T\u00fcrkiye Sigorta Birli\u011fi (TSB) Ba\u015fkan\u0131 Ahmet Ya\u015far<\/strong>, toplant\u0131n\u0131n a\u00e7\u0131l\u0131\u015f\u0131nda yapt\u0131\u011f\u0131 konu\u015fmada, ekonomik dayan\u0131kl\u0131l\u0131\u011f\u0131n g\u00fc\u00e7lendirilmesi ve diren\u00e7li \u015fehirlerin olu\u015fturulmas\u0131nda sigortac\u0131l\u0131\u011f\u0131n rol\u00fcne dikkat \u00e7ekti. Bina tamamlama sigortas\u0131n\u0131n yayg\u0131nla\u015fmas\u0131 i\u00e7in vergi ve rekabet ko\u015fullar\u0131ndan kaynaklanan engellerin kald\u0131r\u0131lmas\u0131 gerekti\u011fini s\u00f6yledi.<\/p>\n

TSB\u2019nin uzun s\u00fcredir dayan\u0131kl\u0131l\u0131k, kentsel d\u00f6n\u00fc\u015f\u00fcm ve diren\u00e7li \u015fehirler \u00fczerinde \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 hat\u0131rlatan Ya\u015far, \u201cDiren\u00e7li \u015fehirlerin sigortas\u0131 kentsel d\u00f6n\u00fc\u015f\u00fcmse, kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn sigortas\u0131 da bina tamamlama sigortas\u0131\u201d dedi. Toplant\u0131da bu \u00fcr\u00fcn\u00fcn \u00f6n\u00fcndeki engellerin d\u00fczenleyici kurum ve ilgili sekt\u00f6rlerin uzmanlar\u0131yla birlikte de\u011ferlendirilece\u011fini belirtti.<\/p>\n

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\u201cDo\u011fmam\u0131\u015f bir verginin istisnas\u0131n\u0131 istiyoruz\u201d<\/strong><\/h4>\n

Bina tamamlama sigortas\u0131nda bankalar kar\u015f\u0131s\u0131nda kar\u015f\u0131la\u015ft\u0131klar\u0131 rekabet ko\u015fullar\u0131na de\u011finen Ya\u015far, vergi uygulamalar\u0131n\u0131n \u00fcr\u00fcn\u00fcn kullan\u0131m\u0131n\u0131 zorla\u015ft\u0131rd\u0131\u011f\u0131n\u0131 s\u00f6yledi. TSB ve Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumunun (SEDDK) konuya ili\u015fkin \u00e7al\u0131\u015fmalar\u0131n\u0131 tamamlayarak Hazine ve Maliye Bakanl\u0131\u011f\u0131na sundu\u011funu a\u00e7\u0131klad\u0131.<\/p>\n

Teminat sa\u011flan\u0131rken ortaya \u00e7\u0131kan vergi maliyetinin m\u00fcteahhitleri ba\u015fka y\u00f6ntemlere y\u00f6nlendirdi\u011fini belirten Ya\u015far, \u201cMaliyet art\u0131\u015flar\u0131 sebebiyle m\u00fcteahhitlerin teminat verilirken bu vergiyi \u00f6demek zorunda kalmalar\u0131, onlar\u0131n ba\u015fka alternatifler bulmalar\u0131na, ba\u015fka teminat y\u00f6ntemleri bulmalar\u0131na sebep oluyor. Dolay\u0131s\u0131yla vergi do\u011fmuyor. Ad\u0131 vergi istisnas\u0131 bekledi\u011fimiz \u015fey ama do\u011fmam\u0131\u015f bir verginin istisnas\u0131n\u0131 istiyoruz\u201d dedi.<\/p>\n

Vergi istisnas\u0131 talebinin mevcut mali ko\u015fullarda farkl\u0131 de\u011ferlendirilebildi\u011fini ifade eden Ya\u015far, d\u00fczenlemenin faaliyet hacmini art\u0131rarak yeni vergi gelirleri yaratabilece\u011fini savundu. Artan faaliyetlerin Banka ve Sigorta Muameleleri Vergisi, kurumlar vergisi ve di\u011fer vergi gelirlerine katk\u0131 sa\u011flayabilece\u011fini belirterek \u201cBu yerine geldi\u011finde biz inan\u0131yoruz ki \u015fimdikinden \u00e7ok daha fazla vergi do\u011furacak\u201d dedi.<\/p>\n

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OVP\u2019de g\u00fc\u00e7lenen sigorta vurgusu<\/strong><\/h4>\n

Orta Vadeli Program\u2019\u0131n (OVP) sigortac\u0131l\u0131\u011fa yakla\u015f\u0131m\u0131n\u0131 de\u011ferlendiren Ya\u015far, \u00f6nceki programlarda bina tamamlama sigortas\u0131, tamamlay\u0131c\u0131 emeklilik ve farkl\u0131 sigorta bran\u015flar\u0131n\u0131n ayr\u0131 ayr\u0131 say\u0131ld\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131. Yeni programda ise \u201cEkonomik G\u00fcvenlik ve Dayan\u0131kl\u0131l\u0131\u011f\u0131n G\u00fc\u00e7lendirilmesi\u201d ba\u015fl\u0131\u011f\u0131n\u0131n b\u00fct\u00fcnc\u00fcl bir \u00e7er\u00e7eve sundu\u011funu s\u00f6yledi.<\/p>\n

Bu de\u011fi\u015fimin ilk bak\u0131\u015fta baz\u0131 \u00fcr\u00fcnlerden vazge\u00e7ildi\u011fi izlenimi yaratabilece\u011fini belirten Ya\u015far, \u201cHalbuki \u00f6yle de\u011fil. Plan\u0131n b\u00fct\u00fcn\u00fcne bakt\u0131\u011f\u0131m\u0131zda, tamam\u0131na bakt\u0131\u011f\u0131m\u0131zda asl\u0131nda sigorta vurgusunun bir b\u00fct\u00fcn olarak artt\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz\u201d diye konu\u015ftu.<\/p>\n

\u201cN\u00fcfus 10 Y\u0131l\u0131\u201d kapsam\u0131nda haz\u0131rlanan metinlerde de sigortac\u0131l\u0131\u011f\u0131n rol\u00fcne i\u015faret eden ba\u015fl\u0131klar g\u00f6rd\u00fcklerini ifade eden Ya\u015far, politika yap\u0131c\u0131lar ve di\u011fer ilgili kesimlerin bu konudaki fark\u0131ndal\u0131\u011f\u0131n\u0131 g\u00fc\u00e7lendirmeye \u00e7al\u0131\u015ft\u0131klar\u0131n\u0131 belirtti. TSB\u2019nin di\u011fer payda\u015flarla y\u00fcr\u00fctt\u00fc\u011f\u00fc \u00e7al\u0131\u015fmalar\u0131n SEDDK\u2019n\u0131n liderli\u011finde s\u00fcrd\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n

Sigortac\u0131l\u0131\u011f\u0131n di\u011fer sekt\u00f6rlerin faaliyetlerini ve b\u00fcy\u00fck yat\u0131r\u0131mlar\u0131 m\u00fcmk\u00fcn k\u0131lan i\u015flevine dikkat \u00e7eken Ya\u015far, bankac\u0131l\u0131\u011f\u0131n finansal sistemden daha b\u00fcy\u00fck pay almas\u0131na ra\u011fmen sigorta g\u00fcvencesine ihtiya\u00e7 duydu\u011funu vurgulad\u0131. Osmangazi K\u00f6pr\u00fcs\u00fc\u2019n\u00fc \u00f6rnek g\u00f6stererek \u201cOsmangazi K\u00f6pr\u00fcs\u00fc yap\u0131l\u0131yor, kredilendiriliyor ama buna sigorta yap\u0131lmazsa buna kredi verebilecek hi\u00e7bir banka yok\u201d dedi. Benzer durumun di\u011fer b\u00fcy\u00fck yat\u0131r\u0131mlar i\u00e7in de ge\u00e7erli oldu\u011funu belirtti.<\/p>\n

104 milyar dolarl\u0131k kayb\u0131n 6 milyar\u0131 sigortal\u0131<\/strong><\/h4>\n

T\u00fcrkiye\u2019deki koruma a\u00e7\u0131\u011f\u0131n\u0131 6 \u015eubat depremleri \u00fczerinden anlatan Ya\u015far, Cumhurba\u015fkan\u0131 Yard\u0131mc\u0131s\u0131n\u0131n OVP\u2019ye ili\u015fkin a\u00e7\u0131klamas\u0131nda depremlerin ekonomik hasar\u0131n\u0131 104 milyar dolar olarak aktard\u0131\u011f\u0131n\u0131 hat\u0131rlatt\u0131. 2027\u2019ye kadar b\u00fct\u00e7elenecek tutarlarla birlikte toplam\u0131n 116 milyar dolara ula\u015fmas\u0131n\u0131n \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n

Depremden bu yana yapt\u0131klar\u0131 de\u011ferlendirmelerde ayn\u0131 b\u00fcy\u00fckl\u00fcklere dikkat \u00e7ektiklerini belirten Ya\u015far, \u201cBu rakamlar\u0131n sadece 6 milyar dolarl\u0131k k\u0131sm\u0131 sigortal\u0131 demi\u015ftik. Maalesef de ger\u00e7ek bu\u201d dedi.<\/p>\n

Ekonomik kayb\u0131n sigortayla kar\u015f\u0131lanan b\u00f6l\u00fcm\u00fcn\u00fcn yakla\u015f\u0131k y\u00fczde 6 d\u00fczeyinde kald\u0131\u011f\u0131na i\u015faret eden Ya\u015far, ayn\u0131 y\u0131l d\u00fcnyadaki do\u011fal afet kay\u0131plar\u0131n\u0131n sigortal\u0131l\u0131k oran\u0131n\u0131n, T\u00fcrkiye hari\u00e7 tutuldu\u011funda yakla\u015f\u0131k y\u00fczde 40 oldu\u011funu s\u00f6yledi. T\u00fcrkiye\u2019deki kay\u0131plar\u0131n hesaba kat\u0131lmas\u0131yla bu oran\u0131n y\u00fczde 30\u2019a geriledi\u011fini ifade etti.<\/p>\n

\u201cBiz d\u00fcnya sigortal\u0131 hasar\u0131n ekonomik hasar\u0131 kar\u015f\u0131lama oran\u0131n\u0131 10 puan a\u015fa\u011f\u0131ya \u00e7ekiyoruz\u201d diyen Ya\u015far, T\u00fcrkiye\u2019de sigortayla kar\u015f\u0131lanan kay\u0131plar\u0131n pay\u0131n\u0131n d\u00fcnya ortalamas\u0131na g\u00f6re d\u00fc\u015f\u00fck kald\u0131\u011f\u0131n\u0131 vurgulad\u0131.<\/p>\n

T\u00fcrkiye\u2019nin deprem riskinin devam etti\u011fini hat\u0131rlatan Ya\u015far, Marmara\u2019da beklenen depremle birlikte Adana ve Osmaniye \u00e7evresindeki son sars\u0131nt\u0131lara da de\u011findi. Deprem tehlikesine iklim, finansal, siber ve mobilite kaynakl\u0131 yeni risklerin eklendi\u011fini s\u00f6yledi.<\/p>\n

Sel, yer kaymas\u0131 ve yerle\u015fim alanlar\u0131na yay\u0131lan orman yang\u0131nlar\u0131n\u0131n yaratt\u0131\u011f\u0131 tehditlere dikkat \u00e7eken Ya\u015far, \u201cArt\u0131k \u015fehir yang\u0131nlar\u0131na d\u00f6n\u00fc\u015fen orman yang\u0131nlar\u0131 ve di\u011fer birtak\u0131m riskler giderek art\u0131yor\u201d diye konu\u015ftu. De\u011fi\u015fen riskler kar\u015f\u0131s\u0131nda dayan\u0131kl\u0131l\u0131\u011f\u0131n ortak bir \u00f6ncelik haline geldi\u011fini belirtti.<\/p>\n

TSB ve SEDDK\u2019n\u0131n koruma a\u00e7\u0131klar\u0131n\u0131 makro d\u00fczeyde kapatmak ve fark\u0131ndal\u0131k olu\u015fturmak i\u00e7in \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yleyen Ya\u015far, Sigorta Haftas\u0131\u2019n\u0131n bu \u00e7abalar a\u00e7\u0131s\u0131ndan \u00f6nemli bir f\u0131rsat sundu\u011funu ifade etti.<\/p>\n

Hafta boyunca iklim risklerinin farkl\u0131 toplant\u0131larda ele al\u0131naca\u011f\u0131n\u0131 belirten Ya\u015far, 7 Ekim\u2019de Sigorta Tatbikat\u00e7\u0131lar\u0131 Derne\u011finin 18. Uluslararas\u0131 \u0130stanbul Sigortac\u0131l\u0131k Konferans\u0131\u2019n\u0131n, 8 Ekim\u2019de ise TSB\u2019nin 5. Uluslararas\u0131 Sigortac\u0131l\u0131k Zirvesi\u2019nin d\u00fczenlenece\u011fini hat\u0131rlatt\u0131. Kas\u0131m ay\u0131nda Antalya\u2019da yap\u0131lacak COP31\u2019de sekt\u00f6r\u00fcn Sigorta Evi ile temsil edilece\u011fini ve d\u00fcnya sigorta birlikleriyle temaslar\u0131n s\u00fcrd\u00fc\u011f\u00fcn\u00fc aktard\u0131.<\/p>\n

Ya\u015far, konu\u015fmas\u0131n\u0131n sonunda kat\u0131l\u0131mc\u0131lar\u0131n Sigorta Haftas\u0131\u2019n\u0131 kutlayarak, bina tamamlama sigortas\u0131n\u0131n \u00f6n\u00fcndeki engellerin ele al\u0131naca\u011f\u0131 toplant\u0131n\u0131n somut sonu\u00e7lar \u00fcretmesini temenni etti.<\/p>\n

Hak sahibine do\u011frudan g\u00fcvence<\/strong><\/h4>\n

Panelde konu\u015fan SEDDK Sigorta Uzman Yard\u0131mc\u0131s\u0131 Hasan Mert Tokg\u00f6z<\/strong>, kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn uzun bir s\u00fcre\u00e7 olarak de\u011ferlendirilmesi gerekti\u011fini belirtti. Projenin her a\u015famas\u0131nda risklerin ve bu risklerden etkilenen taraflar\u0131n farkl\u0131la\u015ft\u0131\u011f\u0131n\u0131 s\u00f6yleyen Tokg\u00f6z, y\u0131k\u0131mdan yeni yap\u0131n\u0131n teslimine kadar kullan\u0131labilecek sigorta \u00fcr\u00fcnlerini anlatt\u0131.<\/p>\n

Hak sahibinin evini bo\u015faltmas\u0131yla ba\u015flayan s\u00fcre\u00e7te, y\u0131k\u0131mla birlikte mevcut yap\u0131n\u0131n Zorunlu Deprem Sigortas\u0131 teminat\u0131n\u0131n sona erdi\u011fini belirten Tokg\u00f6z, y\u0131k\u0131m s\u0131ras\u0131nda kom\u015fu yap\u0131lara, \u00e7evreye ve \u00e7al\u0131\u015fanlara verilebilecek zararlar\u0131n ihtiyari sorumluluk sigortalar\u0131yla g\u00fcvence alt\u0131na al\u0131nabildi\u011fini s\u00f6yledi. \u0130n\u015faat d\u00f6neminde yap\u0131da olu\u015fabilecek fiziki hasarlar i\u00e7in \u0130n\u015faat All Risk Sigortas\u0131\u2019n\u0131n, projenin tamamlanamamas\u0131 riskine kar\u015f\u0131 ise Bina Tamamlama Sigortas\u0131\u2019n\u0131n devreye girdi\u011fini aktard\u0131. Yeni yap\u0131n\u0131n tesliminden sonra da deprem teminat\u0131n\u0131n yeniden sa\u011flanabildi\u011fini belirtti.<\/p>\n

Tokg\u00f6z, \u201cSigorta sekt\u00f6r\u00fc taraf\u0131ndan kentsel d\u00f6n\u00fc\u015f\u00fcm projesinde her a\u015famada \u00e7e\u015fitli \u00fcr\u00fcnler sa\u011flanmakta\u201d diyerek koruma a\u00e7\u0131\u011f\u0131n\u0131n nedenleri aras\u0131nda \u00fcr\u00fcnlerin b\u00fcy\u00fck \u00f6l\u00e7\u00fcde ihtiyari olmas\u0131n\u0131 ve hak sahiplerinin bina tamamlama sigortas\u0131n\u0131 yeterince tan\u0131mamas\u0131n\u0131 g\u00f6sterdi.<\/p>\n

6306 say\u0131l\u0131 Kanun kapsam\u0131nda kullan\u0131labilen banka teminat mektubu ve kefalet senedi gibi alternatiflerin maliyet a\u00e7\u0131s\u0131ndan daha avantajl\u0131 bulunabildi\u011fini s\u00f6yleyen Tokg\u00f6z, bina tamamlama sigortas\u0131n\u0131n hak sahiplerine sundu\u011fu koruman\u0131n kapsam\u0131na da dikkat \u00e7ekerek \u201cKefalet senedi veya banka teminat mektubunda y\u00fczde 6\u2019dan y\u00fczde 10\u2019a kadar de\u011fi\u015fen oranlardayken Bina Tamamlama Sigortas\u0131\u2019nda y\u00fczde 100\u2019e kadar \u00e7\u0131k\u0131yor. Bina Tamamlama Sigortas\u0131 her bir hak sahibi ad\u0131na teminat senedi d\u00fczenledi\u011fi i\u00e7in do\u011frudan sigorta \u015firketine ba\u015fvurarak haklar\u0131n\u0131 talep edebiliyor\u201d dedi.<\/p>\n

Di\u011fer teminat y\u00f6ntemlerinde lehtar\u0131n idare oldu\u011funu belirten Tokg\u00f6z, bina tamamlama sigortas\u0131nda hak sahibinin do\u011frudan ba\u015fvuru imk\u00e2n\u0131n\u0131n \u00f6nemli bir fark yaratt\u0131\u011f\u0131n\u0131 ifade etti.<\/p>\n

Teslimden sonra g\u00fcvence bo\u015flu\u011fu<\/strong><\/h4>\n

Tokg\u00f6z, yap\u0131n\u0131n tesliminden sonraki sorumluluklar a\u00e7\u0131s\u0131ndan da bir g\u00fcvence bo\u015flu\u011fu bulundu\u011funu vurgulad\u0131. Bor\u00e7lar Kanunu ve Yap\u0131 Denetim Kanunu\u2019nda sorumluluklar\u0131n tan\u0131mland\u0131\u011f\u0131n\u0131 ancak bunlar\u0131 g\u00fcvence alt\u0131na alacak sigorta \u00fcr\u00fcn\u00fcn\u00fcn bulunmad\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

Kentsel d\u00f6n\u00fc\u015f\u00fcmde koruma a\u00e7\u0131\u011f\u0131n\u0131 azaltmak i\u00e7in bina tamamlama sigortas\u0131n\u0131n reas\u00fcrans imk\u00e2nlar\u0131n\u0131n geni\u015fletilmesi ve kapasitesinin art\u0131r\u0131lmas\u0131 gerekti\u011fini belirten Tokg\u00f6z, bu ad\u0131mlar\u0131n projelerin finansman\u0131na da katk\u0131 sa\u011flayaca\u011f\u0131n\u0131 ifade etti.<\/p>\n

\u00dcr\u00fcn\u00fcn tan\u0131t\u0131m\u0131n\u0131n g\u00fc\u00e7lendirilmesini isteyen Tokg\u00f6z, kamu spotlar\u0131 ve reklam \u00e7al\u0131\u015fmalar\u0131n\u0131n hak sahiplerinin bilgi d\u00fczeyini art\u0131rabilece\u011fini s\u00f6yledi. Hak sahiplerinin sigorta g\u00fcvencesini m\u00fcteahhit se\u00e7iminde bir \u00f6l\u00e7\u00fct olarak kullanmas\u0131n\u0131n, \u00fcr\u00fcn\u00fcn yayg\u0131nla\u015fmas\u0131n\u0131 sa\u011flayabilece\u011fini belirterek \u015fu \u201cHak sahipleri \u2018B\u00f6yle bir \u00fcr\u00fcn varm\u0131\u015f, ben bu \u00fcr\u00fcnle daha fazla koruma alt\u0131na al\u0131nabilirim\u2019 deyip m\u00fcteahhitlerden \u2018Bu \u00fcr\u00fcn\u00fc yaparsan\u0131z ben sizi tercih ederim\u2019 gibi piyasa temelli olan bir \u00fcr\u00fcne d\u00f6n\u00fc\u015fmesi, kentsel d\u00f6n\u00fc\u015f\u00fcm s\u00fcre\u00e7lerinin daha g\u00fcvenli bir \u015fekilde tamamlanmas\u0131n\u0131 sa\u011flayabilir\u201d diye konu\u015ftu.<\/p>\n

Tokg\u00f6z, idarelerin, m\u00fcteahhitlerin ve hak sahiplerinin bilgilendirilmesi amac\u0131yla SEDDK\u2019n\u0131n internet sitesinde Bina Tamamlama Sigortas\u0131 Bilgilendirme Rehberi\u2019nin bulundu\u011funu da hat\u0131rlatt\u0131.<\/p>\n

\u201cDo\u011fru m\u00fcteahhidi se\u00e7ene kadar bekliyoruz\u201d<\/strong><\/h4>\n

Quick Sigorta Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 Soner Tekba\u015f<\/strong> ise bina tamamlama sigortas\u0131nda s\u00f6zle\u015fme, finansal yeterlilik ve teknik uygunlu\u011fu birlikte de\u011ferlendirdiklerini s\u00f6yledi. S\u00fcreci hak sahiplerinin ihtiya\u00e7lar\u0131ndan hareketle kurgulad\u0131klar\u0131n\u0131 belirten Tekba\u015f, \u201cBiz yola \u00e7\u0131karken, \u2018Ay\u015fe teyzenin, Ali amcan\u0131n neye ihtiyac\u0131 var?\u2019 diye d\u00fc\u015f\u00fcnd\u00fck\u201d dedi.<\/p>\n

\u0130lk a\u015famada kat kar\u015f\u0131l\u0131\u011f\u0131 yap\u0131 s\u00f6zle\u015fmesinin hak sahiplerini g\u00fcvence alt\u0131na al\u0131p almad\u0131\u011f\u0131n\u0131 incelediklerini anlatan Tekba\u015f, hukuk ekibinin d\u00fczenledi\u011fi \u00e7al\u0131\u015ftaylarla sigorta maddelerinin s\u00f6zle\u015fmelere dahil edilmesi ve taraflar\u0131n uygun bir zeminde bulu\u015fturulmas\u0131 i\u00e7in \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131 aktard\u0131.<\/p>\n

Ard\u0131ndan m\u00fcteahhidin finansal durumunu ve projenin teknik \u00f6zelliklerini de\u011ferlendirdiklerini belirten Tekba\u015f, bu incelemelerde \u201cM\u00fcteahhidin uygulayaca\u011f\u0131 projenin ayaklar\u0131 yere bas\u0131yor mu? Bitti\u011finde m\u00fcteahhit k\u00e2r edebilir mi? Bu proje ger\u00e7ekten kentsel d\u00f6n\u00fc\u015f\u00fcme uygun mu?\u201d gibi sorulara yan\u0131t arad\u0131klar\u0131n\u0131 s\u00f6yledi.<\/p>\n

Denetimin poli\u00e7e d\u00fczenlenmesiyle sona ermedi\u011fini vurgulayan Tekba\u015f, isk\u00e2n al\u0131nana kadar projeyi yerinde takip ettiklerini s\u00f6yledi. Bu s\u00fcre\u00e7te m\u00fcteahhidin i\u015f takvimine uyumunun ve ruhsata ayk\u0131r\u0131 uygulama yap\u0131p yapmad\u0131\u011f\u0131n\u0131n denetlendi\u011fini belirtti.<\/p>\n

Do\u011fru m\u00fcteahhit se\u00e7iminin belirleyici oldu\u011funu ifade eden Tekba\u015f, de\u011ferlendirmeler sonucunda uygun bulmad\u0131klar\u0131 m\u00fcteahhitlerin yerine hak sahiplerinin ba\u015fka bir firma se\u00e7mesi gerekti\u011fini kaydetti. Kad\u0131k\u00f6y\u2019de dokuz, Bak\u0131rk\u00f6y\u2019de sekiz kez m\u00fcteahhit de\u011fi\u015ftirilen projeler bulundu\u011funu aktararak \u201cDo\u011fru m\u00fcteahhidi se\u00e7ene kadar bekliyoruz. Buldu\u011fumuz zaman da bina tamamlama sigortas\u0131 yap\u0131yoruz\u201d diye konu\u015ftu.<\/p>\n

\u201c\u0130\u015fini iyi yapabilen kals\u0131n\u201d<\/strong><\/h4>\n

Ayr\u0131nt\u0131l\u0131 incelemelerin hasar riskini azaltmadaki rol\u00fcne dikkat \u00e7eken Tekba\u015f, buna ra\u011fmen ekonomik ko\u015fullar\u0131n, m\u00fcteahhidin finansal yap\u0131s\u0131ndaki de\u011fi\u015fimlerin veya demir ve beton fiyatlar\u0131ndaki beklenmedik art\u0131\u015flar\u0131n hasara yol a\u00e7abilece\u011fini belirtti.<\/p>\n

Yakla\u015f\u0131mlar\u0131nda koruyucu ve \u00f6nleyici sigortac\u0131l\u0131\u011f\u0131n \u00f6ne \u00e7\u0131kt\u0131\u011f\u0131n\u0131 s\u00f6yleyen Tekba\u015f, ama\u00e7lar\u0131n\u0131n yeterli ko\u015fullar\u0131 sa\u011flayan m\u00fcteahhitlerle projelerin ilerlemesine katk\u0131da bulunmak oldu\u011funu ifade etti. \u201c\u0130\u015fini iyi yapamayan elensin, i\u015fini iyi yapabilen kals\u0131n istiyoruz\u201d dedi.<\/p>\n

Bina yenilemenin \u00f6tesinde d\u00f6n\u00fc\u015f\u00fcm<\/strong><\/h4>\n

Panelde, \u0130stanbul\u2019daki risklerin farkl\u0131 boyutlar\u0131yla de\u011ferlendirilmesi ve kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn b\u00fct\u00fcnc\u00fcl bir planlama anlay\u0131\u015f\u0131yla y\u00fcr\u00fct\u00fclmesi gerekti\u011fi vurguland\u0131. Payla\u015f\u0131lan risk \u00e7al\u0131\u015fmas\u0131n\u0131n yap\u0131sal tehlikelerin yan\u0131nda ta\u015fk\u0131n, iklim kaynakl\u0131 olaylar ve parlay\u0131c\u0131-patlay\u0131c\u0131 maddeler gibi insan faaliyetlerinden do\u011fan riskleri de kapsad\u0131\u011f\u0131 belirtildi. Olu\u015fturulan veri taban\u0131n\u0131n kamu taraf\u0131ndan payla\u015f\u0131ma sunuldu\u011fu aktar\u0131ld\u0131.<\/p>\n

Panelistler, kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn eski binan\u0131n yerine yeni bir bina yap\u0131lmas\u0131na indirgenmesini ele\u015ftirdi. S\u00fcrecin m\u00fclkiyet, hukuk, finansman, mimari, \u015fehir planlamas\u0131 ve kamu y\u00f6netimini ortak bir hedef do\u011frultusunda bulu\u015fturmas\u0131 gerekti\u011fine dikkat \u00e7ekildi. M\u00fcteahhit se\u00e7iminde kat kar\u015f\u0131l\u0131\u011f\u0131 payla\u015f\u0131m oranlar\u0131n\u0131n belirleyici olmas\u0131n\u0131n, d\u00f6n\u00fc\u015f\u00fcm\u00fcn can ve mal g\u00fcvenli\u011fi boyutunu geri plana itebildi\u011fi ifade edildi.<\/p>\n

Kentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn siyaset \u00fcst\u00fc ele al\u0131nmas\u0131 gerekti\u011finin vurguland\u0131\u011f\u0131 b\u00f6l\u00fcmde, yerel y\u00f6netimlerin se\u00e7im kayg\u0131s\u0131ndan ba\u011f\u0131ms\u0131z hareket etmesi \u00e7a\u011fr\u0131s\u0131 yap\u0131ld\u0131. Merkezi y\u00f6netimden kaynak beklemekle s\u0131n\u0131rl\u0131 bir yakla\u015f\u0131m yerine, yerel idarelerin kendi sorumluluk alanlar\u0131nda harekete ge\u00e7mesi ve vatanda\u015f\u0131n can ve mal g\u00fcvenli\u011fini \u00f6nceleyen b\u00fct\u00fcnc\u00fcl planlamay\u0131 benimsemesi gerekti\u011fi belirtildi.<\/p>\n

\n

Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"

Sigorta Haftas\u0131 kapsam\u0131nda Quick Sigorta\u2019n\u0131n ev sahipli\u011finde d\u00fczenlenen \u201cOVP\u2019nin Dayan\u0131kl\u0131l\u0131k Vizyonu: Riskten Diren\u00e7lili\u011fe Kentsel D\u00f6n\u00fc\u015f\u00fcm ve Sigorta\u201d ba\u015fl\u0131kl\u0131 toplant\u0131da, d\u00f6n\u00fc\u015f\u00fcm\u00fcn finansman\u0131nda ve hak sahiplerinin korunmas\u0131nda sigortan\u0131n rol\u00fc ele al\u0131nd\u0131. M\u00fcteahhit se\u00e7iminden projelerin tamamlanmas\u0131na kadar uzanan s\u00fcre\u00e7te sigortan\u0131n denetim ve g\u00fcvence<\/p>\n","protected":false},"author":1,"featured_media":1078,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1077","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1077"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1077\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/1078"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1077"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1077"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1077"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}