Ekonomi y\u00f6netiminin kur art\u0131\u015f\u0131n\u0131 \u00f6nlemeye y\u00f6nelik \u00e7abalar\u0131yla, hacmi 1.5 trilyon TL\u2019ye dayanan KKM\u2019nin cazibesi kalmad\u0131. Tasarruf sahipleri alternatif ar\u0131yor.<\/b><\/p>\n
Dolar\u0131n bir s\u00fcredir 18.60 lira seviyelerinde stabil bir seyir izlemesi Kur Korumal\u0131 Mevduat (KKM) sahiplerini olumsuz etkiledi. Hacmi 1.5 trilyon TL’ye yakla\u015fan KKM, son birka\u00e7 aya kadar TL’nin d\u00f6viz kar\u015f\u0131s\u0131nda de\u011fer kayb\u0131 fazla oldu\u011fu i\u00e7in yat\u0131r\u0131mc\u0131lara belirli bir d\u00fczeyde getiri sa\u011fl\u0131yordu. Ancak, kamu kontrol\u00fc ile son birka\u00e7 ayd\u0131r geli\u015fmelere tepkisiz kalan d\u00f6viz kurlar\u0131 bu durumu de\u011fi\u015ftirdi. Temmuzda tasarrufunu KKM’ye ge\u00e7iren yat\u0131r\u0131mc\u0131lar kur fark\u0131 geliri elde edemedi. Enflasyona kar\u015f\u0131 koruyan bir enstr\u00fcman olmaktan uzakla\u015fan KKM’de vadesi gelen yat\u0131r\u0131mc\u0131lar hesaplar\u0131n\u0131 yenilemeleri halinde 3 ay sonra kurda g\u00f6zetecekleri seviye 19.25 lira olarak hesaplan\u0131yor.<\/p>\n
KKM’ye verilen faiz bug\u00fcnlerde a\u00e7\u0131lacak hesaplar i\u00e7in y\u0131ll\u0131k y\u00fczde 13.50. Dolay\u0131s\u0131yla dolar gelecek y\u0131l \u015fubat ay\u0131 ba\u015f\u0131nda 19.25 liran\u0131n alt\u0131nda kal\u0131rsa tasarruf sahipleri \u00fc\u00e7 ayl\u0131k y\u00fczde 3.37 oran\u0131nda mevduat faizi elde edebilecekler.<\/p>\n
BANKALAR YARI\u015eA G\u0130RD\u0130<\/strong><\/p>\n Ayn\u0131 hesab\u0131 \u015firketler i\u00e7in yap\u0131ld\u0131\u011f\u0131nda, 6 ayl\u0131k vade s\u00f6z konusu oldu\u011fu i\u00e7in dolar en az 19.88 lira seviyesine y\u00fckselirse kur fark\u0131 elde edilebilecek. Aksi durumda \u015firketlerin elde edece\u011fi mevduat faizi oran\u0131 y\u00fczde 6.75’te kalacak. Oysa \u015fimdi adeta yar\u0131\u015fa giren bankalar mevduata \u00e7ok daha y\u00fcksek faiz veriyor. Kamu bankalar\u0131 TL mevduata y\u00fczde 26 faiz vermeye ba\u015flad\u0131. \u00d6zel bankalarda ise y\u00fczde 27-28 oranlar\u0131 s\u00f6z konusu. Bu faiz oranlar\u0131 da her ne kadar enflasyonun \u00e7ok alt\u0131nda olsa da kur fark\u0131 olmad\u0131\u011f\u0131 takdirde KKM’den elde edilen faize g\u00f6re d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde daha cazip g\u00f6z\u00fck\u00fcyor. Dolay\u0131s\u0131yla \u00f6n\u00fcm\u00fczdeki d\u00f6nemde KKM’de \u00e7\u00f6z\u00fclmelerin ba\u015flayabilece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n Tasarrufa de\u011fil harcamaya te\u015fvik<\/b><\/p>\n \u2013 Yat\u0131r\u0131mc\u0131n\u0131n kur art\u0131\u015flar\u0131n\u0131n d\u00fc\u015f\u00fck olmas\u0131 nedeniyle d\u00f6vize d\u00f6nme olas\u0131l\u0131\u011f\u0131n\u0131n d\u00fc\u015f\u00fck oldu\u011funu, bir miktar tasarrufun borsaya gidebilece\u011fini dile getiren Ba\u015fkent \u00dcniversitesi \u00d6\u011fretim \u00dcyesi Prof. Dr. \u015eenol Babu\u015fcu, yeterli kayna\u011fa sahip olanlar\u0131n gayrimenkul ve otomobile, daha d\u00fc\u015f\u00fck tasarruf sahiplerinin ise y\u00fcksek enflasyon beklentisi devam etti\u011fi d\u00fc\u015f\u00fcn\u00fcld\u00fc\u011f\u00fcnde harcamaya y\u00f6nelmelerinin m\u00fcmk\u00fcn oldu\u011funu belirtti. Babu\u015fcu, \u201cSonu\u00e7ta, uygulanan sistem tasarruf sahibinin paras\u0131n\u0131n de\u011ferini reel anlamda d\u00fc\u015f\u00fcren ve tasarruf yerine harcamay\u0131 te\u015fvik eden bir sistem\u201d dedi.<\/p>\n","protected":false},"excerpt":{"rendered":" Ekonomi y\u00f6netiminin kur art\u0131\u015f\u0131n\u0131 \u00f6nlemeye y\u00f6nelik \u00e7abalar\u0131yla, hacmi 1.5 trilyon TL\u2019ye dayanan KKM\u2019nin cazibesi kalmad\u0131. Tasarruf sahipleri …<\/p>\n","protected":false},"author":1,"featured_media":51984,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[758,731,1329,4821,5232],"class_list":["post-51983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-elde","tag-faiz","tag-kur","tag-mevduat","tag-tasarruf"],"_links":{"self":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/51983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51983"}],"version-history":[{"count":1,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/51983\/revisions"}],"predecessor-version":[{"id":51985,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/posts\/51983\/revisions\/51985"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=\/wp\/v2\/media\/51984"}],"wp:attachment":[{"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberulus.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}