{"id":1973,"date":"2018-05-08T16:48:44","date_gmt":"2018-05-08T13:48:44","guid":{"rendered":"http:\/\/mekanikelektriktesisat.com\/?p=1973"},"modified":"2018-05-08T16:48:44","modified_gmt":"2018-05-08T13:48:44","slug":"kiralamak-mi-satin-almak-mi","status":"publish","type":"post","link":"https:\/\/benga.pro\/index.php\/2018\/05\/08\/kiralamak-mi-satin-almak-mi\/","title":{"rendered":"Kiralamak m\u0131? Sat\u0131n almak m\u0131?"},"content":{"rendered":"

Firmalar son d\u00f6nemde kiral\u0131k ara\u00e7 uygulamas\u0131na y\u00f6neliyorlar. Kiral\u0131k ara\u00e7 uygulamas\u0131nda, yak\u0131t d\u0131\u015f\u0131nda t\u00fcm masraflar\u0131n (ara\u00e7 vergisi, sigortas\u0131, bak\u0131m\u0131, vs.) kiralayan firma taraf\u0131ndan kar\u015f\u0131lan\u0131yor olmas\u0131 b\u00fcy\u00fck avantaj. Aksi takdirde firma asli i\u015finin yan\u0131nda ara\u00e7lar\u0131n bu t\u00fcr i\u015fleri i\u00e7in de ya mesai harcayacak ya da personel istihdam edecektir. Yaz, k\u0131\u015f lastikleri de\u011fi\u015fimi, de\u011fi\u015fen lastiklerin saklanmas\u0131, bak\u0131mlarda otolardan \u00e7\u0131kan par\u00e7alar vs.. firmalar a\u00e7\u0131s\u0131ndan ilave i\u015f y\u00fck\u00fcd\u00fcr. Bu anlamda kiral\u0131k ara\u00e7lar b\u00fcy\u00fck avantaj sa\u011flamaktad\u0131r ama her\u015fey gelip maliyete dayanmaktad\u0131r. E\u011fer bir arac\u0131 sat\u0131n almak kiralamaktan daha avantajl\u0131 ise firma sat\u0131n almay\u0131 tercih edecektir.<\/p>\n

Kiralamak ve sat\u0131n almak mukayesesinde ara\u00e7lar\u0131n vergi avantaj\u0131 \u00f6nemli olabilmektedir. Mesela binek tip bir arac\u0131 al\u0131p 3 y\u0131l sonra sat\u0131nca\u00a0 kar edilmi\u015f olaca\u011f\u0131ndan vergi y\u00fck\u00fc gelecektir. Ayr\u0131ca\u00a0\u00a0sat\u0131n alma alternatifinde e\u011fer banka kredisi kullan\u0131lacaksa kredinin getirdi\u011fi y\u00fck\u00fcn de hesaba kat\u0131lmas\u0131 gerekir.<\/p>\n

Burada verilen ba\u011flant\u0131ya t\u0131klayarak excel format\u0131nda haz\u0131rlad\u0131\u011f\u0131m\u0131z mukayese tablosunu indirebilirsiniz<\/a>.<\/p>\n

Sat\u0131n alma alternatifini mukayeseye sokmadan \u00f6nce sat\u0131n alman\u0131n kendi \u00f6z kaynaklar\u0131m\u0131zla m\u0131 yoksa banka kredisi ile mi yap\u0131laca\u011f\u0131 belirlenmelidir. \u00c7\u00fcnk\u00fc kendi \u00f6z kaynaklar\u0131m\u0131zla al\u0131m yapacaksak kullan\u0131m s\u00fcremiz boyunca \u00f6z kayna\u011f\u0131m\u0131z\u0131n faiz gelirinden de vazge\u00e7mi\u015f olaca\u011f\u0131z. Yani, kasam\u0131zdaki toplu param\u0131z\u0131 araca de\u011fil de bankaya mevduat olarak yat\u0131rd\u0131\u011f\u0131m\u0131zda belli bir faiz geliri olacakt\u0131r mutlaka. E\u011fer ara\u00e7 al\u0131rsak b\u00f6yle bir gelir de olmayacakt\u0131r.<\/p>\n

\u0130nternette yayg\u0131n \u015fekilde bulunan “kiralayal\u0131m m\u0131 sat\u0131n m\u0131 alalal\u0131m?” fizibilitelerinde faiz hesab\u0131n\u0131n g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131na rastlamad\u0131m. Halbuki\u00a0 bir al\u0131c\u0131n\u0131n elinde arac\u0131 nakit alabilecek kadar bir para olabilir. Ya da her ay belli bir tutarda banka kredisi taksiti \u00f6deyecek geliri olabilir. Bu durumda mukayese hesab\u0131na nakit paras\u0131n\u0131n ve araba taksiti i\u00e7in ay\u0131rd\u0131\u011f\u0131 nakit gelirinin banka mevduat faizi de hesaba kat\u0131lmal\u0131d\u0131r. Kiralad\u0131\u011f\u0131nda ise ya toplu paras\u0131ndan kira bedelini \u00f6dedi\u011fini ya da ayl\u0131k gelirinden (ki bu geliri kredi taksiti kadar d\u00fc\u015f\u00fcnelim) kira bedelini \u00f6dedi\u011fini varsayal\u0131m.<\/p>\n

Bu y\u00f6ntemle, sat\u0131\u015f fiyat\u0131 75.000 TL(KDV dahil)\u00a0olan Renault Clio marka bir arac\u0131 280EURO+KDV bedel ile 36 ayl\u0131\u011f\u0131na kiralad\u0131\u011f\u0131m\u0131zda olu\u015fan durum g\u00f6sterilmi\u015ftir. (Bu hesab\u0131n ayr\u0131nt\u0131lar\u0131 yukar\u0131da linki verilmi\u015f excel tablosunda mevcuttur)<\/em><\/p>\n\n\n\n\n\n
\u00a0<\/strong><\/td>\n%100 kredi<\/strong><\/td>\n%50 kredi<\/strong><\/td>\n%0 kredi<\/strong><\/td>\n<\/tr>\n
Sat\u0131nalma<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 59.851\u00a0TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 59.851\u00a0TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 59.851 TL<\/td>\n<\/tr>\n
Kiralama<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 63.271\u00a0TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 60.111\u00a0TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 56.997\u00a0TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

G\u00f6r\u00fcld\u00fc\u011f\u00fc gibi %100 ve %50 kredi ile alma durumuna nazaran ara\u00e7 kiralamak daha uygun g\u00f6r\u00fcn\u00fcyor. Ama elimizdeki toplu para varken ara\u00e7 kiralamak daha uygun g\u00f6r\u00fcnm\u00fcyor. Ger\u00e7i aradaki far k\u00fc\u00e7\u00fck oldu\u011fundan ve kiralaman\u0131n sat\u0131n almaya g\u00f6re g\u00f6r\u00fcnmeyen ve yaz\u0131n\u0131n ba\u015f\u0131nda de\u011findi\u011fimiz avantajlar\u0131ndan dolay\u0131 kiralamak tercih edilebilir.<\/p>\n

Ayn\u0131 hesab\u0131 hi\u00e7 faiz gelirini dikkate almadan yapsayd\u0131k:<\/p>\n\n\n\n\n\n
<\/td>\n%100 kredi<\/strong><\/td>\n%50 kredi<\/strong><\/td>\n%0 kredi<\/strong><\/td>\n<\/tr>\n
Sat\u0131nalma<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 59.851 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 59.851 TL<\/td>\n\u00a0\u00a0\u00a0 59.851 TL<\/td>\n<\/tr>\n
Kiralama<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 52.358 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 42.821 TL<\/td>\n\u00a0\u00a0\u00a0 33.285 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Her durum i\u00e7in sat\u0131n almak daha uygun \u00e7\u0131kacakt\u0131 ki pek ger\u00e7ek\u00e7i olmazd\u0131.<\/p>\n

Ayn\u0131 tablolar\u0131, sat\u0131\u015f fiyat\u0131 190.000 TL(KDV dahil)\u00a0olan Peugeot 3008 marka bir arac\u0131 500EURO+KDV bedel ile 36 ayl\u0131\u011f\u0131na kiralad\u0131\u011f\u0131m\u0131zda olu\u015fan durum i\u00e7in yaparsak:<\/p>\n\n\n\n\n\n
<\/td>\n%100 kredi<\/strong><\/td>\n%50 kredi<\/strong><\/td>\n%0 kredi<\/strong><\/td>\n<\/tr>\n
Sat\u0131nalma<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 150.644\u00a0 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 150.644 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 150.644 TL<\/td>\n<\/tr>\n
Kiralama<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 178.571 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 169.782 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 172.940 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Faizi hesaba katarak yapt\u0131\u011f\u0131m\u0131z mukayesede kiralamak her durumda avantajl\u0131 oluyor.<\/p>\n\n\n\n\n\n
<\/td>\n%100 kredi<\/strong><\/td>\n%50 kredi<\/strong><\/td>\n%0 kredi<\/strong><\/td>\n<\/tr>\n
Sat\u0131nalma<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 150.644 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 150.644 TL<\/td>\n\u00a0\u00a0 150.644 TL<\/td>\n<\/tr>\n
Kiralama<\/strong><\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 148.784 TL<\/td>\n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 122.082 TL<\/td>\n\u00a0\u00a0 109.144 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Ancak faizi hesaba katmadan yapt\u0131\u011f\u0131m\u0131z \u00e7al\u0131\u015fmada ise sat\u0131n almak daha cazip g\u00f6r\u00fcn\u00fcyor. Bence faiz hesaba katarak yap\u0131lan \u00e7al\u0131\u015fma daha ger\u00e7ek\u00e7idir.<\/p>\n

Bu \u00e7al\u0131\u015fmalardan da anla\u015f\u0131laca\u011f\u0131 \u00fczere sat\u0131n almak her zaman avantajl\u0131d\u0131r diyemeyece\u011fimiz gibi kiralamak da her zaman avantajl\u0131d\u0131r diyemeyiz. Firmalar, ara\u00e7 kiralama yada sat\u0131n alma i\u015fine karar vermeden \u00f6nce bir mukayese yapmalar\u0131 iyi olur.<\/p>\n","protected":false},"excerpt":{"rendered":"

Firmalar son d\u00f6nemde kiral\u0131k ara\u00e7 uygulamas\u0131na y\u00f6neliyorlar. Kiral\u0131k ara\u00e7 uygulamas\u0131nda, yak\u0131t d\u0131\u015f\u0131nda t\u00fcm masraflar\u0131n (ara\u00e7 vergisi, sigortas\u0131, bak\u0131m\u0131, vs.) kiralayan firma taraf\u0131ndan kar\u015f\u0131lan\u0131yor olmas\u0131 b\u00fcy\u00fck avantaj. Aksi takdirde firma asli i\u015finin yan\u0131nda ara\u00e7lar\u0131n bu t\u00fcr i\u015fleri i\u00e7in de ya mesai harcayacak ya da personel istihdam edecektir. Yaz, k\u0131\u015f lastikleri de\u011fi\u015fimi, de\u011fi\u015fen lastiklerin saklanmas\u0131, bak\u0131mlarda otolardan… Kiralamak m\u0131? Sat\u0131n almak m\u0131?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":3575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[1,6],"tags":[163,164,165,166],"class_list":["post-1973","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","category-idari-konular","tag-arac-kiralama","tag-banka-faizi","tag-kiralamk-mi","tag-satin-almak-mi"],"_links":{"self":[{"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/posts\/1973","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/comments?post=1973"}],"version-history":[{"count":0,"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/posts\/1973\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/benga.pro\/index.php\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/media?parent=1973"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/categories?post=1973"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/benga.pro\/index.php\/wp-json\/wp\/v2\/tags?post=1973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}