{"id":1364,"date":"2023-02-17T09:54:31","date_gmt":"2023-02-17T09:54:31","guid":{"rendered":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/2023\/02\/17\/tasarruf-sahibi-yeniden-kkmye-yoneldi\/"},"modified":"2023-02-17T09:54:31","modified_gmt":"2023-02-17T09:54:31","slug":"tasarruf-sahibi-yeniden-kkmye-yoneldi","status":"publish","type":"post","link":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/2023\/02\/17\/tasarruf-sahibi-yeniden-kkmye-yoneldi\/","title":{"rendered":"Tasarruf sahibi yeniden KKM\u2019ye y\u00f6neldi"},"content":{"rendered":"

Ekonomim.com\u2019dan Alaattin Akta\u015f\u2019\u0131n haberine g\u00f6re \u00a0Kur Korumal\u0131 Mevduat Sistemi, 6 Ocak-10 \u015eubat aras\u0131nda 114 milyar lira art\u0131\u015f g\u00f6sterdi. Bu art\u0131\u015f\u0131n devam\u0131 bekleniyor.<\/p>\n

\u201d<\/p>\n

Kur korumal\u0131 mevduatta DTH\u2019den d\u00f6n\u00fc\u015f\u00fcml\u00fc hesaplarda\u00a0faiz<\/a>\u00a0tavan\u0131n\u0131n kald\u0131r\u0131lmas\u0131 i\u015fe yarad\u0131. Tasarruf sahibi yeniden KKM\u2019ye d\u00f6nmeye ba\u015flad\u0131. Bu arada bankalar\u0131n yeni geli\u015ftirdikleri bir tak\u0131m uygulamalar da bu geri d\u00f6n\u00fc\u015f\u00fc daha cazip hale getirdi. D\u00f6viz kuru aylard\u0131r artmay\u0131nca ve politika faizi y\u00fczde 9\u2019a indirildikten sonra tavan faiz de y\u00fczde 12\u2019ye d\u00fc\u015f\u00fcnce vatanda\u015f h\u0131zl\u0131 bir \u015fekilde kur korumal\u0131 mevduattan \u00e7\u0131kmaya ba\u015flam\u0131\u015ft\u0131. \u00d6zellikle aral\u0131k ay\u0131n\u0131n son haftas\u0131 ile ocak ay\u0131n\u0131n ilk haftas\u0131nda s\u0131ras\u0131yla 48 ve 45 milyar liral\u0131k d\u00fc\u015f\u00fc\u015fler olmu\u015ftu.<\/p>\n

\n
<\/div>\n<\/div>\n

Bu gerileme ekonomi y\u00f6netimini harekete ge\u00e7irdi ve\u00a0d\u00f6viz<\/a>\u00a0tevdiat hesab\u0131 d\u00f6n\u00fc\u015f\u00fcml\u00fc kur korumal\u0131 mevduat hesaplar\u0131 i\u00e7in faiz tavan\u0131 Merkez Bankas\u0131\u2019n\u0131n bankalara 25 Ocak\u2019ta g\u00f6nderdi\u011fi yaz\u0131 ile kald\u0131r\u0131ld\u0131.<\/p>\n

Bu tavan\u0131n kald\u0131r\u0131lmas\u0131yla bir yandan faiz konusunda tasarruf sahibine daha cazip oranlar sunma olana\u011f\u0131 elde eden bankalar, bir yandan da adeta yeni yeni enstr\u00fcmanlar olu\u015fturdu.<\/p>\n

KKM rekor d\u00fczeyde<\/strong><\/p>\n

Kur korumal\u0131 mevduat hesab\u0131nda aral\u0131k ay\u0131n\u0131n son haftas\u0131yla ocak ay\u0131n\u0131n ilk haftas\u0131nda ya\u015fanan 93 milyar liral\u0131k h\u0131zl\u0131 d\u00fc\u015f\u00fc\u015ften sonra DTH d\u00f6n\u00fc\u015f\u00fcml\u00fclerde faiz s\u0131n\u0131rlamas\u0131n\u0131n kald\u0131r\u0131lmas\u0131 \u00f6zellikle son iki haftada h\u0131zl\u0131 bir art\u0131\u015f ba\u015flatt\u0131.<\/p>\n

KKM bakiyesi 6 Ocak\u2019tan bu yana art\u0131yor. Son be\u015f haftadaki art\u0131\u015f 114 milyar liray\u0131 buldu.<\/p>\n

\"|<\/figure>\n

KKM, 10 \u015eubat\u2019ta 1 trilyon 484 milyar liraya ula\u015ft\u0131. Bu, KKM\u2019nin \u015fimdiye kadar \u00e7\u0131kt\u0131\u011f\u0131 en y\u00fcksek d\u00fczey.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n

Elindeki birikimini enflasyondan korumak isteyen ve adeta ne yapaca\u011f\u0131n\u0131 bilemez hale gelen tasarruf sahibi hem d\u00f6vizde ya\u015fanabilecek art\u0131\u015ftan korunmak, hem de d\u00f6viz artmad\u0131\u011f\u0131 takdirde g\u00f6rece y\u00fcksek faiz alabilmek i\u00e7in KKM\u2019ye h\u00fccum etti. \u00d6yle g\u00f6r\u00fcn\u00fcyor ki \u00f6n\u00fcm\u00fczdeki d\u00f6nemde bu art\u0131\u015f s\u00fcrecek.<\/p>\n

\"|<\/figure>\n

Bankalar neler yap\u0131yor neler\u2026<\/h2>\n

Bankalar d\u00f6viz tevdiat hesaplar\u0131n\u0131 azaltabilmek i\u00e7in KKM\u2019de yeni yeni uygulamalara y\u00f6neliyor.<\/p>\n

Bankalar\u0131n \u00e7o\u011fu y\u00fczde 9\u2019luk politika faizinin \u00fcst\u00fcne, art\u0131k s\u0131n\u0131r kald\u0131r\u0131ld\u0131\u011f\u0131 i\u00e7in 3 puan de\u011fil, \u00e7ok daha fazla faiz ekliyor. Genel oran tutara da ba\u011fl\u0131 olarak y\u00fczde 20\u2019leri bulmu\u015f durumda. Ancak bankadan bankaya \u00e7ok farkl\u0131 uygulamalar var. Baz\u0131 bankalar, DTH\u2019yi KKM\u2019ye d\u00f6n\u00fc\u015ft\u00fcr\u00fcrken adeta \u00f6n \u00f6deme gibi bir \u00f6deme yap\u0131p o tutar\u0131 hesap sahibine pe\u015fin veriyor. Bu tutar genellikle \u00fc\u00e7 ay i\u00e7in y\u00fczde 2 dolay\u0131nda bir \u00f6deme. Ancak KKM faizi olarak y\u00fczde 12 de\u011fil, y\u00fczde 9 uygulan\u0131yor. Bankalar\u0131n KKM faizini y\u00fczde 9\u2019dan az olmamak \u00fczere belirleme hakk\u0131 var. \u0130steyen daha y\u00fcksek faiz de verebiliyor ku\u015fkusuz. \u00dc\u00e7 ay i\u00e7in y\u00fczde 2 faizin y\u0131ll\u0131k bile\u015fi\u011fi y\u00fczde 8\u2019i a\u015f\u0131yor. Bu da DTH d\u00f6n\u00fc\u015f\u00fcml\u00fc KKM\u2019ye y\u00fczde 17-18 faiz uygulanmas\u0131 demek.<\/p>\n

Baz\u0131 kamu bankalar\u0131nda ise \u00e7ok farkl\u0131 bir uygulama s\u00f6z konusu. Genellikle 15-20 bin dolar\u0131n \u00fcst\u00fcndeki birikimler i\u00e7in uygulanan bir y\u00f6ntem\u2026 Sistem \u015f\u00f6yle i\u015fliyor:<\/p>\n

Bankalar zaten yeni DTH hesab\u0131 a\u00e7ma konusunda pek g\u00f6n\u00fcll\u00fc de\u011fil, \u00e7\u00fcnk\u00fc toplam mevduattaki\u00a0\u201cTL-d\u00f6viz\u201d<\/strong>\u00a0dengesi bozuluyor. D\u00f6viz hesab\u0131 a\u00e7t\u0131rmak isteyenlere ya da bankada d\u00f6viz hesab\u0131 olanlara \u015fu \u00f6neriliyor. Diyelim bir tasarruf sahibinin 20 bin dolar\u0131 var. Banka bu 20 bin dolar\u0131 TL\u2019ye \u00e7evirip KKM yap\u0131yor. Bu hesaplar\u0131n faizinde tavan yok ama oran y\u00fczde 9 olarak uygulan\u0131yor, avantaj ise ba\u015fka t\u00fcrl\u00fc sa\u011flan\u0131yor.<\/p>\n

Banka tasarruf sahibine 20 bin dolar\u0131n TL kar\u015f\u0131l\u0131\u011f\u0131 kadar kredili mevduat hesab\u0131 a\u00e7\u0131yor ve bu hesaba y\u00fczde 10-12 dolay\u0131nda faiz uyguluyor. Kredili mevduat hesab\u0131 olarak olu\u015fturulan tutar, bu sefer mevduat olarak i\u015fleme konuluyor. Banka bu mevduata y\u00fczde 20 dolay\u0131nda faiz veriyor.<\/p>\n

Tasarruf sahibi b\u00f6ylece hem 20 bin dolar\u0131n\u0131 d\u00f6viz olarak tutmu\u015f oluyor, hem de kredili mevduat hesab\u0131yla olu\u015fturulan 20 bin\u00a0dolar<\/a>\u00a0kar\u015f\u0131l\u0131\u011f\u0131 TL mevduat\u0131n faizini al\u0131p kredili mevduat faizini \u00f6demi\u015f say\u0131l\u0131yor ve aradaki fark da cebine kal\u0131yor. Tabii ki bu faiz i\u015flemlerinin hepsi mahsup yoluyla yap\u0131l\u0131yor. Sonu\u00e7ta tasarruf sahibi d\u00f6vizi i\u00e7in y\u00fczde 6-7 faiz alm\u0131\u015f oluyor.<\/p>\n

Bu i\u015flemin banka a\u00e7\u0131s\u0131ndan getirisi de tabii ki olmayan kredili mevduat hesab\u0131ndan olmayan mevduat yaratmak ve bir yandan DTH s\u0131f\u0131rlan\u0131rken, bir yandan da DTH kar\u015f\u0131l\u0131\u011f\u0131 kadar TL mevduat yaratarak toplam mevduattaki\u00a0\u201cTL-d\u00f6viz\u201d<\/strong>\u00a0dengesini iyice lehine olu\u015fturmak.<\/p>\n

Yani tam bir\u00a0\u201ckazan kazan\u201d<\/strong>\u00a0durumu\u2026\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"

Ekonomim.com\u2019dan Alaattin Akta\u015f\u2019\u0131n haberine g\u00f6re \u00a0Kur Korumal\u0131 Mevduat Sistemi, 6 Ocak-10 \u015eubat aras\u0131nda 114 milyar lira art\u0131\u015f g\u00f6sterdi. Bu art\u0131\u015f\u0131n devam\u0131 bekleniyor. \u201d Kur korumal\u0131 mevduatta DTH\u2019den d\u00f6n\u00fc\u015f\u00fcml\u00fc hesaplarda\u00a0faiz\u00a0tavan\u0131n\u0131n kald\u0131r\u0131lmas\u0131 i\u015fe yarad\u0131. Tasarruf sahibi yeniden KKM\u2019ye d\u00f6nmeye ba\u015flad\u0131. Bu arada bankalar\u0131n yeni geli\u015ftirdikleri bir tak\u0131m uygulamalar da bu geri d\u00f6n\u00fc\u015f\u00fc daha cazip hale getirdi. D\u00f6viz […]<\/p>\n","protected":false},"author":1,"featured_media":1365,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1364","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-borsa-haberleri"],"_links":{"self":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/1364","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/comments?post=1364"}],"version-history":[{"count":0,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/posts\/1364\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/media\/1365"}],"wp:attachment":[{"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/media?parent=1364"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/categories?post=1364"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amazing-banzai.188-132-230-163.plesk.page\/index.php\/wp-json\/wp\/v2\/tags?post=1364"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}