{"id":4826,"date":"2022-02-11T12:05:53","date_gmt":"2022-02-11T12:05:53","guid":{"rendered":"https:\/\/yurtdisindayiz.com\/?p=4826"},"modified":"2022-07-29T14:32:59","modified_gmt":"2022-07-29T14:32:59","slug":"yuvam-hesabi-nedir-nasil-acilir","status":"publish","type":"post","link":"https:\/\/yurtdisindayiz.com\/yuvam-hesabi-nedir-nasil-acilir\/","title":{"rendered":"YUVAM Hesab\u0131 Nedir? Nas\u0131l A\u00e7\u0131l\u0131r?"},"content":{"rendered":"\n
YUVAM yani Yurtd\u0131\u015f\u0131nda Yerle\u015fik Vatanda\u015flar i\u00e7in Mevduat Hesab\u0131 yurtd\u0131\u015f\u0131nda ya\u015fayan T\u00fcrklerin birikimlerini T\u00fcrkiye’de de\u011ferlendirmek i\u00e7in a\u00e7abilecekleri bir hesap tipidir. <\/strong><\/p>\n\n\n\n 2022 y\u0131l\u0131nda T\u00fcrkiye’de ya\u015fayan ki\u015filerin a\u00e7abilece\u011fi d\u00f6viz korumal\u0131 mevduat hesaplar\u0131n\u0131n yurtd\u0131\u015f\u0131nda ya\u015fayan vatanda\u015flar\u0131m\u0131za uyarlanm\u0131\u015f halidir.<\/p>\n\n\n\n Bu hesap tipi hakk\u0131nda akl\u0131n\u0131za tak\u0131labilecek sorular\u0131, nas\u0131l a\u00e7abilece\u011finizi ve hangi bankalar\u0131 kullanabilece\u011finizi bu yaz\u0131da bulabilirsiniz.<\/p>\n\n\n\n YUVAM hesab\u0131ndan yararlanabilmek i\u00e7in ikametinizin yurtd\u0131\u015f\u0131nda olmas\u0131 ve yurtd\u0131\u015f\u0131nda ya\u015f\u0131yor olman\u0131z gerekir. T\u00fcrkiye’de ya\u015fayanlar ise do\u011frudan d\u00f6viz korumal\u0131 mevduat hesaplar\u0131ndan yararlanabilir.<\/p>\n\n\n\n YUVAM hesab\u0131 3, 6, 12 ve 24 ay vade ile a\u00e7\u0131labilir. Hesab\u0131 a\u00e7acak ki\u015finin bu vadelerden birini se\u00e7mesi gerekir.<\/p>\n\n\n\n YUVAM hesab\u0131 a\u00e7mak i\u00e7in yurtd\u0131\u015f\u0131ndan Dolar Euro Sterlin cinsinden T\u00fcrkiye’deki m\u00fc\u015fterisi oldu\u011funuz ve YUVAM hesab\u0131 a\u00e7abilece\u011finiz bankan\u0131za yurtd\u0131\u015f\u0131ndan para g\u00f6ndermelisiniz<\/a>. <\/p>\n\n\n\n Ard\u0131ndan hesab\u0131 a\u00e7mak istedi\u011finizi bankan\u0131zla g\u00f6r\u00fc\u015fmeniz gerekir. TCMB’nin g\u00fcnl\u00fck kuru \u00fczerinden paran\u0131z TL’ye \u00e7evrilir ve hesab\u0131n\u0131z a\u00e7\u0131lm\u0131\u015f olur. Bankan\u0131z\u0131n internet \u015fubesi arac\u0131l\u0131\u011f\u0131yla i\u015flemleri ger\u00e7ekle\u015ftirebilirsiniz.<\/p>\n\n\n\n A\u00e7t\u0131\u011f\u0131n\u0131z hesap kur korumal\u0131 \u015fekilde hesaplanacak ve kur bankan\u0131n belirledi\u011fi faiz oran\u0131n\u0131n \u00fczerinde de\u011filse banka faizi TL olarak hesab\u0131n\u0131z\u0131n \u00fczerine eklenecek. En d\u00fc\u015f\u00fck banka faizi ise %14 oran\u0131n\u0131n alt\u0131nda olmayacak.<\/strong><\/p>\n\n\n\n Vade sonunda YUVAM hesap sahibinin d\u00f6viz baz\u0131nda anaparas\u0131n\u0131 her ko\u015fulda korumas\u0131 esas olacak. Vade sonuna kadar beklendi\u011finde, hesaba banka taraf\u0131ndan faiz i\u015fletilecek.<\/p>\n\n\n\n Vadede d\u00f6n\u00fc\u015f\u00fcm kuru vade ba\u015f\u0131na g\u00f6re daha y\u00fcksek ger\u00e7ekle\u015firse, Merkez Bankas\u0131nca hesap sahibine kur fark\u0131 \u00f6denecek.<\/p>\n\n\n\n Vadede d\u00f6n\u00fc\u015f\u00fcm kuru vade ba\u015f\u0131na g\u00f6re d\u00fc\u015f\u00fck ger\u00e7ekle\u015firse, hesap sahibi bankan\u0131n verdi\u011fi faiz gelirini elde etmi\u015f olacak.<\/p>\n\n\n\n Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131nda ise vade sonunda hesap sahibinin kat\u0131lma hesab\u0131na kar pay\u0131 ilave edilecek. B\u00f6ylelikle kat\u0131lma hesab\u0131 sahipleri d\u00f6viz kurundaki d\u00fc\u015f\u00fc\u015ften etkilenmeyecek, d\u00f6viz kurunda art\u0131\u015f olmas\u0131 halinde bu art\u0131\u015ftan kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 esaslar\u0131 \u00e7er\u00e7evesinde getiri elde edebilecek.<\/p>\n\n\n\n Ayn\u0131 zamanda bu hesaplar i\u00e7in ilave getiri de olacak. YUVAM hesaplar\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fclen d\u00f6viz tutarlar\u0131 \u00fczerinden hesaplanan ilave getiri Merkez Bankas\u0131nca T\u00fcrk liras\u0131 olarak \u00f6denecek. <\/p>\n\n\n\n \u0130lave getiri oran\u0131:<\/p>\n\n\n\n 1.000.000 TL bakiye ile USD endeksli olarak %14,00 faiz oran\u0131ndan, 181 g\u00fcn vadeli, saat 11.10\u2019 da hesap a\u00e7\u0131ld\u0131\u011f\u0131 ve hesab\u0131n a\u00e7\u0131ld\u0131\u011f\u0131 g\u00fcn saat 11.00\u2019de TCMB\u2019nin a\u00e7\u0131klad\u0131\u011f\u0131 kurun 12,50 TL oldu\u011funu varsayal\u0131m. TCMB ilave getiri tutar\u0131:<\/strong> 5.355 TL A. Vade sonu tarihinde TCMB\u2019nin saat 11.00\u2019de a\u00e7\u0131klad\u0131\u011f\u0131 USD kuru 10,00<\/strong> olur ise m\u00fc\u015fterinin kur kayb\u0131 200.000 TL olacakt\u0131r. Bu durumda M\u00fc\u015fteri kur kayb\u0131na kar\u015f\u0131 korumaya al\u0131nm\u0131\u015f olacak ve m\u00fc\u015fterinin faiz getirisi d\u00f6nem sonunda hesaba yans\u0131t\u0131larak hesab\u0131n g\u00fcncel bakiyesi 1.069.424,66 TL<\/strong> olacakt\u0131r.<\/p>\n\n\n\n B. Vade sonu tarihinde TCMB\u2019nin saat 11.00\u2019de a\u00e7\u0131klad\u0131\u011f\u0131 USD kuru 12,60<\/strong> olur ise m\u00fc\u015fterinin kur getirisi 8.000 TL olacakt\u0131r. Bu durumda M\u00fc\u015fterinin faiz getirisi kur getirisinden b\u00fcy\u00fck oldu\u011fu i\u00e7in faiz tahakkuk d\u00f6neminde hesab\u0131n g\u00fcncel bakiyesi 1.069.424,66 TL<\/strong> olacakt\u0131r.<\/p>\n\n\n\n C. Vade sonu tarihinde TCMB\u2019nin saat 11.00\u2019de a\u00e7\u0131klad\u0131\u011f\u0131 USD kuru 13,50 <\/strong>olur ise m\u00fc\u015fterinin kur getirisi 80.000 TL olacakt\u0131r. Bu durumda M\u00fc\u015fterinin kur getirisi faiz getirisinden b\u00fcy\u00fck oldu\u011fu i\u00e7in faiz tahakkuk d\u00f6neminde hesab\u0131n g\u00fcncel bakiyesi 1.085.355,62 TL<\/strong> olacakt\u0131r.<\/p>\n\n\n\n D. Vade sonu tarihinde TCMB\u2019nin saat 11.00\u2019de a\u00e7\u0131klad\u0131\u011f\u0131 USD kuru 13,36<\/strong> olur ise m\u00fc\u015fterinin kur getirisi + Merkez bankas\u0131n\u0131n ilave getirisi banka faiz getirisini ge\u00e7ektir. Bu durumda g\u00fcncel bakiyesi 1.074.100 TL <\/strong>olacakt\u0131r.<\/p>\n\n\n\n Dolar, Euro veya Sterlin para birimlerinden d\u00f6n\u00fc\u015ft\u00fcr\u00fclerek TL olarak hesaplar a\u00e7\u0131lacak.<\/p>\n\n\n\n TCMB’nin saat 10:00 – 15:00 aras\u0131nda ilan etti\u011fi d\u00f6viz al\u0131\u015f kuru Dolar, Euro ve Sterlin i\u00e7in baz al\u0131nacak.<\/p>\n\n\n\n 01.02.2022 tarihinden itibaren yurt d\u0131\u015f\u0131 bankalardan transfer etti\u011finiz d\u00f6viz tutarlar\u0131 i\u015flem g\u00fcn\u00fcndeki TCMB d\u00f6n\u00fc\u015f\u00fcm kuru \u00fczerinden T\u00fcrk Liras\u0131na \u00e7evrilerek “YUVAM” hesab\u0131 a\u00e7\u0131labilecektir.<\/p>\n\n\n\n Vadeli hesap a\u00e7\u0131l\u0131\u015f i\u015fleminin d\u00f6vizin bozuldu\u011fu g\u00fcn yap\u0131lmas\u0131 gerekmektedir. Her hesap i\u00e7in tek bir i\u015flem referans\u0131 ge\u00e7erli olacak olup, d\u00f6n\u00fc\u015f\u00fcm i\u015flem tutar\u0131 ile hesap a\u00e7\u0131l\u0131\u015f i\u015flem tutarlar\u0131n\u0131n kar\u015f\u0131l\u0131kl\u0131 e\u015fle\u015fmesi beklenmektedir. <\/p>\n\n\n\n YUVAM hesab\u0131 kat\u0131l\u0131m bankalar\u0131 da dahil olmak \u00fczere sisteme kat\u0131lan t\u00fcm bankalar \u00fczerinden a\u00e7\u0131labilir.<\/p>\n\n\n\n YUVAM hesab\u0131 a\u00e7mak i\u00e7in T\u00fcrkiye’ye paran\u0131z\u0131 d\u00f6viz cinsinden g\u00f6ndermeniz gerekir. Yurtd\u0131\u015f\u0131ndan T\u00fcrkiye’ye para g\u00f6ndermek i\u00e7in daha ucuz ve h\u0131zl\u0131 bir\u00e7ok yol bulunsa da bu i\u015flem i\u00e7in SWIFT yapmak ve T\u00fcrkiye’deki bankan\u0131zdaki d\u00f6viz hesab\u0131na para g\u00f6ndermek en iyi \u00e7\u00f6z\u00fcm olacakt\u0131r. Yani yurtd\u0131\u015f\u0131nda banka hesab\u0131<\/a> sahibi olmal\u0131s\u0131n\u0131z.<\/p>\n\n\n\n YUVAM hesab\u0131 yurtd\u0131\u015f\u0131nda ya\u015fayan ve birikimlerini T\u00fcrkiye’de de\u011ferlendirmek isteyen ki\u015filer i\u00e7in yeni ve farkl\u0131 bir y\u00f6ntemdir. \u00d6zetle vade sonunda yat\u0131rd\u0131\u011f\u0131n\u0131z d\u00f6viz kar\u015f\u0131l\u0131\u011f\u0131n\u0131 TL olarak elinizde bulunduracaks\u0131n\u0131z ve d\u00f6viz kuru art\u0131\u015f\u0131 faiz oran\u0131ndan d\u00fc\u015f\u00fck kal\u0131rsa da elinizdeki TL miktar\u0131 d\u00f6viz cinsinden de artm\u0131\u015f olacak.<\/p>\n","protected":false},"excerpt":{"rendered":" YUVAM yani Yurtd\u0131\u015f\u0131nda Yerle\u015fik Vatanda\u015flar i\u00e7in Mevduat Hesab\u0131 yurtd\u0131\u015f\u0131nda ya\u015fayan T\u00fcrklerin birikimlerini T\u00fcrkiye’de de\u011ferlendirmek i\u00e7in a\u00e7abilecekleri bir hesap tipidir. 2022 … Devam\u0131 \u0130\u00e7in<\/a><\/p>\n","protected":false},"author":1,"featured_media":4827,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-4826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uluslararasi-para-transferi","resize-featured-image"],"yoast_head":"\nYUVAM Hesab\u0131ndan Kimler Yararlanabilir?<\/h3>\n\n\n\n
YUVAM Hesab\u0131n\u0131n Vadesi Nedir?<\/h3>\n\n\n\n
YUVAM Hesab\u0131 Nas\u0131l A\u00e7\u0131l\u0131r?<\/h3>\n\n\n\n
YUVAM Hesab\u0131 ile Getiri Oranlar\u0131 Nedir?<\/h3>\n\n\n\n
\u00d6rnek Gelir Hesaplamas\u0131<\/h3>\n\n\n\n
M\u00fc\u015fterinin 1.000.000 TL bakiyesinin USD kar\u015f\u0131l\u0131\u011f\u0131 80.000 USD olacakt\u0131r.<\/p>\n\n\n\n
Hesab\u0131n vade sonu tarihinde m\u00fc\u015fterinin faiz getirisi %14,00 faiz oran\u0131ndan hesapland\u0131\u011f\u0131nda 69.424,66 TL olacakt\u0131r. (Stopaj oran\u0131 \u201c0\u201d)<\/p>\n\n\n\nHangi Para Birimlerinde A\u00e7\u0131labilir?<\/h3>\n\n\n\n
D\u00f6viz Kurundan TL’ye D\u00f6n\u00fc\u015f\u00fcm Kuru Nas\u0131l Hesaplanacak?<\/h3>\n\n\n\n
D\u00f6vizin Ne Zaman Transfer Edilmesi Gerekli?<\/h3>\n\n\n\n
YUVAM Hesab\u0131 Hangi Bankalardan A\u00e7\u0131labilir?<\/h2>\n\n\n\n
YUVAM Hesab\u0131 i\u00e7in T\u00fcrkiye’ye Nas\u0131l Para G\u00f6nderilir?<\/h2>\n\n\n\n
\u00d6zet Bilgi<\/h3>\n\n\n\n