Bina tasarruf sözleÅŸmesi (tanım / anlam) – Bina tasarruf sözleÅŸmesi, gayrimenkul finansmanının bir yoludur. Bu sözleÅŸme yapı derneÄŸine yatırılır ve tasarruf sahibini belirli bir süre içinde sabit bir miktar tasarruf etmekle yükümlü kılar. Üzerinde mutabık kalınan yapı kuruluÅŸu tarifesi, diÄŸer hususların yanı sıra faiz oranlarını, tasarruf ve itfa süresini ve ayrıca kapatma ücretini belirler. SözleÅŸmeyle belirlenen meblaÄŸ biriktirilir biriktirilmez, tasarruf sahibi meblağın geri kalanı için kredi alma hakkına sahip olur. Bir bauspar tarifesi genellikle 18 ila 20 yıl arasında sürer ve bunun 7 yılı sadece tasarruf süresidir.
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