In the economic growth perspective, the developments and analyze in the housing loan in Turkey

Possessing a house is one of the basic needs of human beings. Upsurge of population in our country, makes housing problem a top issue. It?s known that, changes occurring in our economy in recent years affect all sectors deeply. Downward trend in the rate of inflation that initiated by 2002 and economic reforms performed, gave rise to a decline in economic fluctuation and regression of nominal and reel interest rates.And aided, realization of the delayed consumption after the November 2000 and February 2001 crisis and as a result of this housing credits showed an upward trend. By this means, volume of housing credits showed an increase of 50 fold by December 2006 as compared to year-end 2002.The importance of this thesis is rapid growth of housing sector in recent years and fewness of studies and analysis in this field. In the view of economic developments, economic effects of upsurge in housing credits and the importance of housing credits in economic rehabilitation is going to be investigated in order to have a reliable housing finance system.The aim of this study is to investigate economic factors that affects housing credits, banking sector credits and Mortgage Housing Finance System in the view of economic improvements that effects world economy and our country, and to analyze and investigate the progress of housing credits in latest five year.