Bina tasarruf sözleÅmesi (tanım / anlam) – Bina tasarruf sözleÅmesi, gayrimenkul finansmanının bir yoludur. Bu sözleÅme yapı derneÄine yatırılır ve tasarruf sahibini belirli bir süre içinde sabit bir miktar tasarruf etmekle yükümlü kılar. Üzerinde mutabık kalınan yapı kuruluÅu tarifesi, diÄer hususların yanı sıra faiz oranlarını, tasarruf ve itfa süresini ve ayrıca kapatma ücretini belirler. SözleÅmeyle belirlenen meblaÄ biriktirilir biriktirilmez, tasarruf sahibi meblaÄın 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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