Mortgages housing finance system and evaluation in terms of Turkey

Rapid population growth and because of this urbanization occured in our country increase the prombem of housing has been continuing at the top level The building diverging against the housing and residential lead to unplanned and unhealty urbanization that this situation is located among the most important problems of our big cities.Especially in recent years, with the economic and public finance developments, the goverment has paid attention to the institutional process of house finance and they have decided to apply a new housing finance system.In order to solve the problems of a housing finance system of a country by taking into consideration the current economic conditions, it should be developed a housing finance system which could provide adaptation to both national growths and intertational growths.The industry of real estate is very important for a country economics. The development of real estate industry is deal with other industries development directly. Therefore, the growth of this industry affects the whole economy in a country.The aim of this work is to examine in detail ?long-term housing credits? that is mortgage that successful examples can be seen in countries that have developed financial systems and to determine the applicability of this system in Turkey where the population increases rapidly.The proceus of the system, the concepts which are unique to the system and the components that constitute are researched in this study. In this study, we investigate the approval of the mortgage system to the structure of Turkey