{"id":10645,"date":"2026-01-14T06:20:58","date_gmt":"2026-01-14T06:20:58","guid":{"rendered":"https:\/\/www.mapfre.com.tr\/blog\/?p=10645"},"modified":"2026-01-14T06:22:19","modified_gmt":"2026-01-14T06:22:19","slug":"iskani-olmayan-ev-alinir-mi","status":"publish","type":"post","link":"https:\/\/www.mapfre.com.tr\/blog\/yasa\/iskani-olmayan-ev-alinir-mi\/","title":{"rendered":"\u0130skan\u0131 Olmayan Ev Al\u0131n\u0131r m\u0131?"},"content":{"rendered":"\n<p>Ev sat\u0131n almak \u00e7o\u011fu ki\u015fi i\u00e7in hayat\u0131n en \u00f6nemli kararlar\u0131ndan biridir. Bu s\u00fcre\u00e7te konum, fiyat, bina ya\u015f\u0131, daire plan\u0131 gibi bir\u00e7ok kriteri de\u011ferlendirmeniz m\u00fcmk\u00fcn. Ancak t\u00fcm bu ba\u015fl\u0131klar\u0131n yan\u0131nda g\u00f6zden ka\u00e7mamas\u0131 gereken kritik bir konu daha var. Bu da iskan belgesi. Peki, iskans\u0131z bir ev al\u0131n\u0131r m\u0131? \u0130skan ne anlama gelir? \u0130skans\u0131z ev alman\u0131n riskleri nelerdir?&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Gelin, t\u00fcm bu sorular\u0131n cevaplar\u0131n\u0131 birlikte ke\u015ffedelim.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130skan Ne Demek?&nbsp;<\/strong><\/h2>\n\n\n\n<p>\u0130skan, bir binan\u0131n yap\u0131m\u0131n\u0131n tamamland\u0131\u011f\u0131n\u0131 ve ilgili t\u00fcm teknik \u015fartlara uygun \u015fekilde in\u015fa edildi\u011fini g\u00f6steren resmi bir belgedir. Di\u011fer ad\u0131yla \u201cYap\u0131 Kullanma \u0130zin Belgesi\u201d olarak da bilinir. Belediyeler taraf\u0131ndan verilen bu belge, binan\u0131n art\u0131k ya\u015famaya uygun oldu\u011funu ve ruhsat\u0131na uygun \u015fekilde yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/p>\n\n\n\n<p>Yani bir binan\u0131n iskana sahip olmas\u0131;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proje ile fiili durumun \u00f6rt\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc,<\/li>\n\n\n\n<li>Elektrik, su, kanalizasyon gibi altyap\u0131 ba\u011flant\u0131lar\u0131n\u0131n uygun oldu\u011funu,<\/li>\n\n\n\n<li>Binan\u0131n g\u00fcvenlik ve kullan\u0131m standartlar\u0131n\u0131 kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 resmi olarak do\u011frular.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130skan Belgesi Neden \u00d6nemli?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Bir binan\u0131n iskana sahip olmas\u0131 hem hukuki hem de ekonomik a\u00e7\u0131dan olduk\u00e7a \u00f6nemlidir. \u00c7\u00fcnk\u00fc bu belge, asl\u0131nda oturdu\u011funuz evin resmen oturmaya uygun oldu\u011funu ispatlar.<\/p>\n\n\n\n<p>\u0130skan\u0131n \u00f6nemini daha iyi anlayabilmek i\u00e7in bu belgeye ihtiya\u00e7 duyulan birka\u00e7 alan\u0131 \u015fu \u015fekilde s\u0131ralayabiliriz:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Elektrik ve Su Abonelikleri: <\/strong>\u0130skan\u0131 olmayan binalar genellikle ge\u00e7ici \u015fantiye aboneli\u011fi kullan\u0131r. Bu da daha y\u00fcksek faturalara yol a\u00e7abilir ve ileride bireysel abonelik almakta sorun ya\u015fanabilir.<\/li>\n<\/ol>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Kredi \u00c7ekme S\u00fcreci:<\/strong> Bankalar\u0131n iskans\u0131z binalar i\u00e7in kredi onay\u0131 vermesi daha zor olabilir. Bu nedenle finansman deste\u011fine ihtiya\u00e7 duyuyorsan\u0131z iskans\u0131z bir ev almak s\u00fcreci zorla\u015ft\u0131rabilir.<\/li>\n<\/ol>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Hukuki G\u00fcvence:<\/strong> \u0130skan, binan\u0131n ruhsata uygun \u015fekilde yap\u0131ld\u0131\u011f\u0131n\u0131 tescil eder. Bu belge olmadan ileride hukuki sorunlar \u00e7\u0131kabilir ve baz\u0131 y\u00fck\u00fcml\u00fcl\u00fckler tamamen ev sahibine kalabilir.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Binan\u0131n \u0130skan Belgesinin Olmamas\u0131n\u0131n Nedeni Ne Olabilir?&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"724\" height=\"483\" src=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/01\/iskan-belgesinin-olmama-nedenleri.jpg\" alt=\"Binan\u0131n \u0130skan Belgesinin Olmamas\u0131n\u0131n Nedenleri\" class=\"wp-image-10646\" style=\"width:780px;height:auto\" srcset=\"https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/01\/iskan-belgesinin-olmama-nedenleri.jpg 724w, https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/01\/iskan-belgesinin-olmama-nedenleri-300x200.jpg 300w, https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/01\/iskan-belgesinin-olmama-nedenleri-585x390.jpg 585w, https:\/\/www.mapfre.com.tr\/blog\/media\/2026\/01\/iskan-belgesinin-olmama-nedenleri-263x175.jpg 263w\" sizes=\"auto, (max-width: 724px) 100vw, 724px\" \/><\/figure>\n\n\n\n<p>Bir binan\u0131n iskans\u0131z olmas\u0131n\u0131n bir\u00e7ok sebebi olabilir. Bunlar\u0131n baz\u0131lar\u0131 kolayca \u00e7\u00f6z\u00fclebilirken baz\u0131lar\u0131 ciddi sorunlara i\u015faret eder. \u201cPeki, bu nedenler nelerdir?\u201d diyorsan\u0131z iskan belgesi al\u0131nmas\u0131n\u0131n ba\u015fl\u0131ca nedenlerini \u015fu \u015fekilde s\u0131ralayabiliriz:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bina, ruhsatl\u0131 projeye uygun yap\u0131lmam\u0131\u015fsa belediye iskan vermeyebilir. \u00d6rne\u011fin fazladan kat \u00e7\u0131k\u0131lmas\u0131, ruhsat d\u0131\u015f\u0131 ek alanlar veya projede g\u00f6sterilmeyen ba\u011f\u0131ms\u0131z b\u00f6l\u00fcmler gibi ayk\u0131r\u0131l\u0131klar bulunmas\u0131 iskan\u0131 engeller.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00fcteahhidin binay\u0131 eksik teslim etmesi, projedeki baz\u0131 yap\u0131lar\u0131n yap\u0131lmam\u0131\u015f olmas\u0131 veya gerekli belgeleri sunmamas\u0131 iskan s\u00fcrecini kilitleyebilir.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Yang\u0131n merdiveni, otopark, asans\u00f6r uygunlu\u011fu gibi ortak alanlarda eksiklik varsa belediye iskan vermeyebilir.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Binan\u0131n altyap\u0131 hizmetleri i\u00e7in \u00f6denmesi gereken baz\u0131 har\u00e7 ve katk\u0131 paylar\u0131 tamamlanmam\u0131\u015f olabilir.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kat irtifak\u0131 ya da kat m\u00fclkiyetiyle ilgili durumlar iskan belgesinin al\u0131nmas\u0131n\u0131 geciktirebilir.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0130skans\u0131z Evlerde Ne Gibi Durumlarla Kar\u015f\u0131la\u015f\u0131labilir?&nbsp;<\/strong><\/h2>\n\n\n\n<p>\u0130skan\u0131 olmayan bir ev sat\u0131n ald\u0131\u011f\u0131n\u0131zda kar\u015f\u0131la\u015fabilece\u011finiz baz\u0131 riskler bulunur. Bu riskleri bilmek ise sat\u0131n alma i\u015flemini tamamlamadan daha net karar vermenize yard\u0131mc\u0131 olabilir. \u0130skan\u0131 olmayan binalardan kar\u015f\u0131la\u015fabilece\u011finiz riskleri ise \u015fu \u015fekilde s\u0131ralamak m\u00fcmk\u00fcn:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130skan\u0131 olmayan binalar, teknik olarak \u201ctamamlanmam\u0131\u015f\u201d kabul edildi\u011fi i\u00e7in ilerleyen s\u00fcre\u00e7te belediye taraf\u0131ndan \u00e7e\u015fitli yapt\u0131r\u0131mlarla kar\u015f\u0131la\u015fabilirsiniz.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130skans\u0131z binalarda \u015fantiye elektri\u011fi veya suyu kullan\u0131ld\u0131\u011f\u0131 i\u00e7in faturalar normalin \u00fczerinde gelir.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130skan\u0131 olmayan evler, ayn\u0131 b\u00f6lgedeki isk\u00e2nl\u0131 evlere g\u00f6re daha d\u00fc\u015f\u00fck fiyata sat\u0131l\u0131r. Bu durum sat\u0131n alma a\u00e7\u0131s\u0131ndan anl\u0131k olarak avantaj sa\u011flasa da uzun vadede yat\u0131r\u0131m de\u011ferini d\u00fc\u015f\u00fcrebilir.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bankalar\u0131n teminat olarak iskans\u0131z binalar\u0131 kabul etmemesi nedeniyle kredi s\u00fcreci olduk\u00e7a zor hale gelebilir.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sonradan \u0130skan Belgesi Almak M\u00fcmk\u00fcn m\u00fc?<\/strong><\/h2>\n\n\n\n<p>Yukar\u0131daki sorunlarla kar\u015f\u0131la\u015fmamak i\u00e7in iskans\u0131z bir binaya sonradan iskan almak m\u00fcmk\u00fcn. Ancak bunun i\u00e7in baz\u0131 \u015fartlar\u0131n yerine getirilmesi gerekir. Bu \u015fartlar ise \u015funlard\u0131r:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Binan\u0131n projeye uygun hale getirilmesi<\/li>\n\n\n\n<li>Eksik yap\u0131lar\u0131n tamamlanmas\u0131<\/li>\n\n\n\n<li>Yang\u0131n, asans\u00f6r, otopark gibi yap\u0131 kontrollerinden ge\u00e7mesi<\/li>\n\n\n\n<li>Belediyeye gerekli evraklar\u0131n ve har\u00e7lar\u0131n sunulmas\u0131<\/li>\n<\/ul>\n\n\n\n<p>Ancak iskan alma s\u00fcrecinde dikkat edilmesi gereken nokta, b\u00fct\u00fcn bu i\u015flemlerin bina y\u00f6netimi veya m\u00fcteahhit taraf\u0131ndan yap\u0131lmas\u0131 gerekti\u011fidir. Yani bireysel olarak iskan alman\u0131z m\u00fcmk\u00fcn de\u011fildir.&nbsp;<\/p>\n\n\n\n<p>K\u0131sacas\u0131 sonradan iskan al\u0131nabilse de s\u00fcre\u00e7 maliyetli ve zaman al\u0131c\u0131 olabilir. Bu nedenle ev sat\u0131n almadan \u00f6nce binan\u0131n iskan durumunu mutlaka sorgulaman\u0131z gerekir. \u00c7\u00fcnk\u00fc yukar\u0131daki riskleri g\u00f6z \u00f6n\u00fcne ald\u0131\u011f\u0131m\u0131zda iskan\u0131 olmayan bir ev almak m\u00fcmk\u00fcn olsa da risklidir. Hem hukuki hem de ekonomik a\u00e7\u0131dan bir\u00e7ok dezavantaj\u0131 beraberinde getirebilir. Bu nedenle ev sat\u0131n alma s\u00fcrecinde binan\u0131n iskan durumunu \u00f6\u011frenmeniz ve gerekirse uzman bir ki\u015fiden g\u00f6r\u00fc\u015f alman\u0131z olduk\u00e7a \u00f6nemlidir.&nbsp;<\/p>\n\n\n\n<p>Ayr\u0131ca alaca\u011f\u0131n\u0131z ev i\u00e7in iskan gibi yasal y\u00fck\u00fcml\u00fcl\u00fcklerin yan\u0131 s\u0131ra farkl\u0131 risklere kar\u015f\u0131 haz\u0131rl\u0131kl\u0131 olman\u0131z da olduk\u00e7a \u00f6nemli. Bunun i\u00e7in de MAPFRE Sigorta her zaman yan\u0131n\u0131zda.&nbsp;<\/p>\n\n\n\n<p>Evinizde olu\u015fabilecek h\u0131rs\u0131zl\u0131k, yang\u0131n gibi beklenmedik durumlara kar\u015f\u0131 \u00f6nlem almak i\u00e7in MAPFRE Sigorta <a href=\"https:\/\/www.mapfre.com.tr\/sigorta-tr\/bireysel\/konutlar-icin-cagdas-guvence-sigortasi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Konutlar \u0130\u00e7in \u00c7a\u011fda\u015f G\u00fcvence Sigortas\u0131<\/a> yapt\u0131rabilirsiniz. Detayl\u0131 bilgi i\u00e7in de <a href=\"https:\/\/form.mapfre.com.tr\/iletisim\/formlar\/#\/acenteler\" target=\"_blank\" rel=\"noreferrer noopener\">sat\u0131\u015f kanallar\u0131m\u0131zla<\/a> ileti\u015fime ge\u00e7ebilirsiniz.\u00a0<\/p>\n\n\n\n<p>MAPFRE Sigorta<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130skan belgesi nedir, iskans\u0131z ev al\u0131rken hangi risklerle kar\u015f\u0131la\u015f\u0131l\u0131r ve sonradan iskan almak m\u00fcmk\u00fcn m\u00fcd\u00fcr? \u0130skan\u0131 olmayan evlerle ilgili t\u00fcm detaylar\u0131 \u00f6\u011frenmek i\u00e7in t\u0131klay\u0131n. <\/p>\n","protected":false},"author":19,"featured_media":10647,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[887,1970],"tags":[],"class_list":["post-10645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yasa","category-yasam-alani-yasa"],"_links":{"self":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10645","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/comments?post=10645"}],"version-history":[{"count":1,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10645\/revisions"}],"predecessor-version":[{"id":10648,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/posts\/10645\/revisions\/10648"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media\/10647"}],"wp:attachment":[{"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/media?parent=10645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/categories?post=10645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mapfre.com.tr\/blog\/wp-json\/wp\/v2\/tags?post=10645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}