{"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 Kimler Yararlanabilir?<\/h3>\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\u0131n\u0131n Vadesi Nedir?<\/h3>\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 Nas\u0131l A\u00e7\u0131l\u0131r?<\/h3>\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

YUVAM Hesab\u0131 ile Getiri Oranlar\u0131 Nedir?<\/h3>\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