{"id":32996,"date":"2024-06-05T13:04:15","date_gmt":"2024-06-05T10:04:15","guid":{"rendered":"https:\/\/simplytr.net\/?p=32996"},"modified":"2024-06-05T16:59:15","modified_gmt":"2024-06-05T13:59:15","slug":"yuvam-hesap-nedi%cc%87r-ve-nasil-yararlanabi%cc%87li%cc%87ri%cc%87m","status":"publish","type":"post","link":"https:\/\/simplytr.net\/tr\/yuvam-hesap-nedi%cc%87r-ve-nasil-yararlanabi%cc%87li%cc%87ri%cc%87m\/","title":{"rendered":"YUVAM Hesap Nedir ve Nas\u0131l Yararlanabilirim?"},"content":{"rendered":"<h2><strong>YUVAM Hesap Nedir ve Nas\u0131l Yararlanabilirim?<\/strong><\/h2>\n<p>YUVAM hesab\u0131, yurt d\u0131\u015f\u0131nda ya\u015fayan T\u00fcrk vatanda\u015flar\u0131 i\u00e7in \u00f6zel bir tasarruf hesab\u0131d\u0131r. D\u00f6viz kuru dalgalanmalar\u0131na kar\u015f\u0131 koruma sa\u011flar ve birikimlerinize ekstra getiri sunar. \u0130\u015fte daha iyi anlaman\u0131za yard\u0131mc\u0131 olacak basit bir rehber:<\/p>\n<h3><strong>Kimler YUVAM Hesab\u0131 A\u00e7abilir?<\/strong><\/h3>\n<p>Yurt d\u0131\u015f\u0131nda ya\u015fayan, oturma izni olan, T\u00fcrkiye'de kay\u0131tl\u0131 yabanc\u0131 adresi bulunan veya Mavi Kart sahibi T\u00fcrk vatanda\u015flar\u0131 YUVAM hesab\u0131 a\u00e7t\u0131rabilir. Yabanc\u0131lar ve yabanc\u0131 \u015firketler de gerekli ko\u015fullar\u0131 sa\u011flamalar\u0131 halinde hesap a\u00e7abilirler.<\/p>\n<h3><strong>Vade Se\u00e7enekleri<\/strong><\/h3>\n<p>YUVAM hesab\u0131n\u0131z i\u00e7in 3, 6, 12 veya 24 ay aras\u0131nda se\u00e7im yapabilirsiniz. 24 ayl\u0131k se\u00e7enek i\u00e7in faiz y\u0131ll\u0131k olarak \u00f6denir.<\/p>\n<h3><strong>Hesap A\u00e7mak<\/strong><\/h3>\n<p>Herhangi bir T\u00fcrk bankas\u0131nda veya kat\u0131l\u0131m finans kurulu\u015funda YUVAM hesab\u0131 a\u00e7abilirsiniz. T\u00fcrkiye'de bir hesab\u0131n\u0131z yoksa, d\u00fcnyan\u0131n herhangi bir yerinden \u00e7evrimi\u00e7i olarak bir hesap a\u00e7abilirsiniz.<\/p>\n<h3><strong>Avantajlar<\/strong><\/h3>\n<ul>\n<li>D\u00f6viz kuru riskine kar\u015f\u0131 korur<\/li>\n<li>Garantili bir anapara ve vade sonunda ekstra getiri sa\u011flar<\/li>\n<li>YUVAM hesaplar\u0131ndan elde edilen kazan\u00e7lar T\u00fcrkiye'de vergilendirilmemektedir.<\/li>\n<li>Herhangi bir s\u0131n\u0131rlama olmaks\u0131z\u0131n diledi\u011finiz kadar YUVAM hesab\u0131 a\u00e7abilir ve yenileyebilirsiniz.<\/li>\n<\/ul>\n<h3><strong>Ekstra \u0130adeler<\/strong><\/h3>\n<p>T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131, hesab\u0131n\u0131z\u0131n vadesine ba\u011fl\u0131 olarak ek getiriler sunar:<br \/>\n- 3 ay boyunca 3%<br \/>\n- 6 ay boyunca 4%<br \/>\n- 12 ay boyunca 5%<br \/>\n- 24 ay boyunca 6%<\/p>\n<h3><strong>YUVAM hesab\u0131 a\u00e7arsam ne kazanaca\u011f\u0131m?<\/strong><\/h3>\n<p>Bir YUVAM hesab\u0131n\u0131n 12 ay vade i\u00e7in 1.000 Avro kar\u015f\u0131l\u0131\u011f\u0131nda a\u00e7\u0131ld\u0131\u011f\u0131n\u0131 varsayal\u0131m. TCMB 12 ay vade i\u00e7in 5% ek getiri sunuyor. Bu durumda vade sonunda hesap sahibine vade sonundaki kur \u00fczerinden 1.050 Avro'nun TL kar\u015f\u0131l\u0131\u011f\u0131 garanti edilmi\u015f olacakt\u0131r. Hesap sahibi ayr\u0131ca banka taraf\u0131ndan verilen faiz\/k\u00e2r pay\u0131 tutar\u0131n\u0131 da alacakt\u0131r. Ayr\u0131ca kur fark\u0131 olu\u015fmas\u0131 halinde bu fark da TCMB taraf\u0131ndan kar\u015f\u0131lanacakt\u0131r. Vade sonunda kurun vade ba\u015f\u0131na g\u00f6re daha d\u00fc\u015f\u00fck olmas\u0131 durumunda d\u00f6viz cinsinden bakiye daha y\u00fcksek olacakt\u0131r.<\/p>\n<h3><strong>Erken Para \u00c7ekme<\/strong><\/h3>\n<p>YUVAM hesaplar\u0131ndan vadesinden \u00f6nce para \u00e7ekilebilir. Ancak vadeli mevduat ve k\u00e2r pay\u0131 hesaplar\u0131nda oldu\u011fu gibi vade sonunda elde edilecek getiriden vazge\u00e7ilmi\u015f olacakt\u0131r. Dolay\u0131s\u0131yla TCMB bu durumda kur fark\u0131 ve ek getiri \u00f6demeyecektir.<\/p>\n<h3>24 ayl\u0131k YUVAM hesap s\u00fcresi bittikten sonra ne olur?<\/h3>\n<p>Hesab\u0131n\u0131z\u0131 bir d\u00f6nem daha uzatmak i\u00e7in bankaya ba\u015fvurabilirsiniz.<\/p>\n<h3>Yat\u0131r\u0131m Yoluyla T\u00fcrk Vatanda\u015fl\u0131\u011f\u0131 i\u00e7in YUVAM Hesab\u0131<\/h3>\n<p><strong>Soru:<\/strong> Banka yat\u0131r\u0131m\u0131 yoluyla vatanda\u015fl\u0131k i\u00e7in ba\u015fvurdum ve bir YUVAM hesab\u0131 a\u00e7t\u0131m. Banka yat\u0131r\u0131m\u0131 \u015fart\u0131 i\u00e7in paray\u0131 3 y\u0131l hesab\u0131mda tutmam gerekiyor ancak YUVAM hesab\u0131n\u0131n maksimum 24 ay vadesi var. Kalan 12 ay i\u00e7in ne yapabilirim?<\/p>\n<p><strong>Cevap:<\/strong> 24 ayl\u0131k d\u00f6nem sona erdikten ve iadelerinizi ald\u0131ktan sonra, mevcut YUVAM hesab\u0131n\u0131z\u0131 12 ay daha uzatabilirsiniz. Bu konuda herhangi bir k\u0131s\u0131tlama yoktur. 36 ayl\u0131k s\u00fcreyi tamamlad\u0131\u011f\u0131n\u0131zda, paran\u0131z\u0131 getirileriyle birlikte \u00e7ekebilirsiniz.<\/p>\n<hr \/>\n<p><strong>Daha fazla:<\/strong><\/p>\n<p><a href=\"https:\/\/simplytr.net\/tr\/banka-hesabi-acmak\/\">Banka Hesab\u0131 A\u00e7ma (yerle\u015fik olmayanlar i\u00e7in bile)<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>YUVAM hesab\u0131, yurt d\u0131\u015f\u0131nda ya\u015fayan T\u00fcrk vatanda\u015flar\u0131 i\u00e7in \u00f6zel bir tasarruf hesab\u0131d\u0131r. D\u00f6viz kuru dalgalanmalar\u0131na kar\u015f\u0131 koruma sa\u011flar ve birikimlerinize ekstra getiri sunar.<\/p>","protected":false},"author":1,"featured_media":32998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1083,205,410,166,509],"tags":[1214,1212,1219,1224,1213,1218,1217,1221,1223,1220,1216,1211,1210,1222,1215],"class_list":["post-32996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-business","category-guide","category-investment-in-turkey","category-turkish-citizenship","tag-24-month-yuvam-account","tag-bank-investment-for-citizenship","tag-cbrt-yuvam-account","tag-extend-investment-period","tag-extend-yuvam-account","tag-foreign-currency-protection","tag-non-resident-turkish-account","tag-opening-yuvam-account","tag-participation-finance-institutions","tag-tax-free-yuvam-account","tag-turkish-bank-account-abroad","tag-turkish-citizenship-investment","tag-yuvam-account","tag-yuvam-account-advantages","tag-yuvam-account-returns"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/simplytr.net\/wp-content\/uploads\/2024\/06\/IMG_0784.jpeg?fit=1140%2C530&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/posts\/32996","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/comments?post=32996"}],"version-history":[{"count":0,"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/posts\/32996\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/media\/32998"}],"wp:attachment":[{"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/media?parent=32996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/categories?post=32996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/simplytr.net\/tr\/wp-json\/wp\/v2\/tags?post=32996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}