A research on the process of crediting and credit allocation models on the firms operating on build and sell sector, in Trabzon province

In developing economies, it is known that the build-and-sales sector's contribution to development and growth is very important. The built-and-sale sector has the ability to prompt hundreds of professions and many sub-sectors that it funds. When the construction-sales industry is stationary, it is inevitable that the crisis will begin in many sectors such as banking, insurance, technical consultancy, the suppliers of iron and steel, cement, glass, wood products and furniture, chemicals, plastics, machinery, engines and etc. In our work which aims to provide credit for the construction and sales sector which has the locomotive feature in the economic development process and to contribute to the effective and efficient management of the fund management; The project financing model, which considers the trust and financial facilities of the individuals who have the funding source at the lowest cost to the construction-and-sales sector at the same time and which has the potential to purchase the housing at the same time, was searched. In the first part of our work, it is included the definition, functions, elements, credit process and classification of bank credits, which are frequently used by construction companies. In the second part, construction contractors are classified, SWOT analysis of the sector is made; the formation of credit needs in build-sell companies, points that banks pay attention to when allocating credit to construction companies , and the difficulties faced are mentioned. The third section presents the risks faced by firms operating in the construction-and-building sector, banks funding the sector, and consumers having the residential buying potential. In this section, the credit models offered by the banks to the builders and contractors, the municipalities in which the builders are related and the relations with the construction supervisors are also reported. The characteristics of the project financing model are transferred within the financing models presented by the banks to the builders, and the advantages provided to the build-sell sector and the positive reflection on the consumer are also included. In the fourth part of our study, the capital structures of construction companies operating in Trabzon, their educational levels and vocational sufficiency, the importance that they give to costumer satisfaction, their sale power, their responsibilities and the problems they are experiencing were researched. Considering the housing needs and the urban transformation projects aimed at solving the problem of skewed urbanization, which are increasing in proportion to the population increase, it is seen that the work volume in the build-and-sale sector is increased. As a result of our study, it has been found that the companies operating in the build-and-sales sector are funded with the project financing model, that firms minimize financial costs, build confidence in the consumers and increase the sales power of the companies. Key Words: Bank, Buy Doing Construction, Credit, SWOT Analysis, Project Financing