{"id":869,"date":"2026-08-19T10:53:08","date_gmt":"2026-08-19T07:53:08","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=869"},"modified":"2026-08-19T10:53:08","modified_gmt":"2026-08-19T07:53:08","slug":"bina-tamamlama-sigortasinda-prim-uretimi-artiyor","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=869","title":{"rendered":"Bina tamamlama sigortas\u0131nda prim \u00fcretimi art\u0131yor"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>M\u00fcteahhidin projeyi tamamlayamamas\u0131 riskine kar\u015f\u0131 t\u00fcketici ve arsa sahiplerine g\u00fcvence sa\u011flayan bina tamamlama sigortas\u0131 (BTS), \u00f6zellikle kentsel d\u00f6n\u00fc\u015f\u00fcmde \u00f6nemli bir finansal g\u00fcvence sunuyor. Giderek yayg\u0131nla\u015fan bran\u015f kapsam\u0131nda prim \u00fcretimi 2023\u2019te 980 bin lira iken 2024\u2019te 9,7 milyon liraya, 2025\u2019te 17,9 milyon liraya y\u00fckseldi. Bu y\u0131l\u0131n ilk yar\u0131s\u0131nda ise 11,2 milyon lira prim \u00fcretimi ger\u00e7ekle\u015fti.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Bina tamamlama sigortas\u0131, kentsel d\u00f6n\u00fc\u015f\u00fcmde \u00f6nemli bir finansal g\u00fcvence sunuyor. Projelerin tamamlanamamas\u0131 durumunda t\u00fcketici ve arsa sahiplerini koruyan yap\u0131s\u0131n\u0131n yan\u0131 s\u0131ra m\u00fcteahhitler ve finans kurulu\u015flar\u0131 a\u00e7\u0131s\u0131ndan da \u00e7e\u015fitli g\u00fcvenceler sunan bina tamamlama sigortas\u0131, giderek yayg\u0131nla\u015f\u0131yor.<\/p>\n<p class=\"wp-block-paragraph\">2015\u2019te y\u00fcr\u00fcrl\u00fc\u011fe giren ve 29 Aral\u0131k 2017\u2019de ilk poli\u00e7enin d\u00fczenlendi\u011fi bina tamamlama sigortas\u0131na ili\u015fkin rakamlar da geli\u015fimi ortaya koyuyor. Bina tamamlama sigortas\u0131 bran\u015f\u0131nda direkt prim \u00fcretimi 2023\u2019te 980 bin lira iken 2024\u2019te 9,7 milyon liraya, 2025\u2019te 17,9 milyon liraya y\u00fckseldi. Bu y\u0131l\u0131n ilk yar\u0131s\u0131nda ise 11,2 milyon lira prim \u00fcretimi ger\u00e7ekle\u015fti.<\/p>\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"855\" height=\"481\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/07\/Adsiz-tasarim-1447-855x481.jpg\" alt=\"\" class=\"wp-image-130921\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>\u2018Geli\u015fme potansiyeli y\u00fcksek<\/strong> <strong>bir pazar\u0131n erken d\u00f6nemi\u2019<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>T\u00fcrkiye Sigorta Birli\u011fi (TSB) Ba\u015fkan\u0131 Ahmet Ya\u015far<\/strong>, bina tamamlama sigortas\u0131n\u0131n m\u00fcteahhidin mali yeterlili\u011fini ve projeyi s\u00f6zle\u015fmeye uygun tamamlama kabiliyetini g\u00fcvence alt\u0131na ald\u0131\u011f\u0131n\u0131 belirtti. Bina tamamlama sigortas\u0131n\u0131n hen\u00fcz geli\u015fme a\u015famas\u0131nda oldu\u011funa dikkat \u00e7eken Ya\u015far, \u201c\u00dcretim rakamlar\u0131nda son y\u0131llarda belirgin geli\u015fim g\u00f6r\u00fcyoruz. Direkt prim \u00fcretimi 2023\u2019te 980 bin lira iken 2024\u2019te 9,7 milyon liraya, 2025\u2019te 17,9 milyon liraya y\u00fckseldi. Bu y\u0131l\u0131n ilk yar\u0131s\u0131nda ise 11,2 milyon lira prim \u00fcretimi ger\u00e7ekle\u015fti. Bug\u00fcnk\u00fc tabloyu \u2018geli\u015fme potansiyeli y\u00fcksek bir pazar\u0131n erken d\u00f6nemi\u2019 olarak de\u011ferlendiriyoruz. Uygulama tecr\u00fcbesi, veri havuzu ve reas\u00fcrans kapasitesi geli\u015ftik\u00e7e daha fazla sigorta \u015firketinin bu alana ilgi g\u00f6stermesini bekliyoruz.\u201d<\/p>\n<h4 class=\"wp-block-heading\"><strong>Proje tamamlanmad\u0131\u011f\u0131nda<\/strong> <strong>sigorta g\u00fcvencesi devreye giriyor<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">TSB Ba\u015fkan\u0131 Ya\u015far, sekt\u00f6rde sabit tarife veya standart prim oran\u0131 bulunmad\u0131\u011f\u0131n\u0131 belirterek, projenin b\u00fcy\u00fckl\u00fc\u011f\u00fc ve tamamlanma oran\u0131, m\u00fcteahhidin mali g\u00fcc\u00fc ve \u00f6z kaynak katk\u0131s\u0131, i\u015f program\u0131, kalan in\u015faat maliyeti ve kar\u015f\u0131 teminatlar\u0131n primin belirlenmesinde etkili oldu\u011funu anlatt\u0131. Ya\u015far, sigortac\u0131n\u0131n proje tamamlanamad\u0131\u011f\u0131nda nakdi tazminat \u00f6deyebilece\u011fi gibi, projeyi devralarak yeni bir m\u00fcteahhit arac\u0131l\u0131\u011f\u0131yla tamamlanmas\u0131n\u0131 da sa\u011flayabildi\u011fini kaydederek, baz\u0131 ko\u015fullarda kira \u00f6demeleri ile nakdi tazminatta faiz veya endeksleme y\u00fck\u00fcml\u00fcl\u00fcklerinin de s\u00f6z konusu olabilece\u011fini vurgulad\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Primi de\u011ferlendirirken yaln\u0131zca \u00f6denen bedele de\u011fil, t\u00fcketici ve arsa sahibine sa\u011flanan g\u00fcvenceye, projenin izlenmesine ve gerekti\u011finde tamamlama sorumlulu\u011funun sigorta sekt\u00f6r\u00fc taraf\u0131ndan \u00fcstlenilmesine bak\u0131lmas\u0131 gerekti\u011fini vurgulayan Ya\u015far, sigorta maliyetlerinin azalt\u0131lmas\u0131 i\u00e7in vergi ve har\u00e7 e\u015fitli\u011finin sa\u011flanmas\u0131n\u0131 \u00f6nerdiklerini bildirdi.<\/p>\n<p class=\"wp-block-paragraph\">TSB Ba\u015fkan\u0131 Ya\u015far, \u00fcr\u00fcn\u00fcn \u00f6zellikle kentsel d\u00f6n\u00fc\u015f\u00fcmde \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131n\u0131 s\u00f6yledi. Ya\u015far, \u201cKentsel d\u00f6n\u00fc\u015f\u00fcm\u00fcn sigortas\u0131 da bina tamamlama sigortas\u0131d\u0131r\u201d dedi.<\/p>\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"730\" height=\"420\" src=\"https:\/\/sigortamedya.com.tr\/wp-content\/uploads\/2026\/08\/bts-sisik.jpg.jpeg\" alt=\"\" class=\"wp-image-131302\" \/><\/figure>\n<h4 class=\"wp-block-heading\"><strong>\u201cT\u00fcm taraflar\u0131 koruyan yeni bir finansal sistem\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Anadolu Yakas\u0131 \u0130n\u015faat M\u00fcteahhitleri Derne\u011fi (AY\u0130DER) Ba\u015fkan\u0131 Hakan \u015ei\u015fik <\/strong>ise T\u00fcrkiye\u2019de BTS\u2019lerin hen\u00fcz sekt\u00f6r ve toplum taraf\u0131ndan yeteri kadar bilinmedi\u011fini belirterek, \u015fu de\u011ferlendirmelerde bulundu: \u201cBu enstr\u00fcman do\u011fru bir \u00e7\u00f6z\u00fcm olmakla beraber t\u00fcm taraflar\u0131 koruyan yeni bir finansal sistem. Bu sistem, mal sahiplerini korudu\u011fu kadar m\u00fcteahhidin de haklar\u0131n\u0131 ve kontrat s\u00fcrelerini garanti alt\u0131na al\u0131yor.\u201d<\/p>\n<p class=\"wp-block-paragraph\">\u015ei\u015fik, BTS\u2019nin in\u015faat maliyetini y\u00fczde 2 ila y\u00fczde 4 art\u0131rd\u0131\u011f\u0131n\u0131 belirterek, \u201cSigorta \u015firketlerinin m\u00fcteahhitlerin i\u015f bitirme kapasitesini ve sekt\u00f6re katk\u0131s\u0131n\u0131 do\u011fru de\u011ferlendirecek uzmanl\u0131\u011fa sahip olmas\u0131 gerekiyor. Sekt\u00f6r\u00fcn y\u00fczde 90\u2019\u0131n\u0131 olu\u015fturan k\u00fc\u00e7\u00fck m\u00fcteahhitlerin finansal yap\u0131lar\u0131 sigorta \u015firketlerinin kriterlerini kar\u015f\u0131lamayabilir. Bu sorunun \u00e7\u00f6z\u00fcm\u00fc i\u00e7in yeni y\u00f6ntemler geli\u015ftirilmeli, ye\u015fil bina \u00fcreten m\u00fcteahhitlere de daha uygun fiyatl\u0131 sigorta imkan\u0131 sa\u011flanmal\u0131\u201d dedi.<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fbina-tamamlama-sigortasinda-prim-uretimi-artiyor%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>M\u00fcteahhidin projeyi tamamlayamamas\u0131 riskine kar\u015f\u0131 t\u00fcketici ve arsa sahiplerine g\u00fcvence sa\u011flayan bina tamamlama sigortas\u0131 (BTS), \u00f6zellikle kentsel d\u00f6n\u00fc\u015f\u00fcmde \u00f6nemli bir finansal g\u00fcvence sunuyor. Giderek yayg\u0131nla\u015fan bran\u015f kapsam\u0131nda prim \u00fcretimi 2023\u2019te 980 bin lira iken 2024\u2019te 9,7 milyon liraya, 2025\u2019te 17,9<\/p>\n","protected":false},"author":1,"featured_media":870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-869","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\/869","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=869"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/869\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/media\/870"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}