{"id":1578609,"date":"2022-03-01T16:48:01","date_gmt":"2022-03-01T13:48:01","guid":{"rendered":"https:\/\/www.erzurumflas.com\/?p=1578609"},"modified":"2022-03-01T16:48:01","modified_gmt":"2022-03-01T13:48:01","slug":"altin-tasarruf-sistemi-uygulamaya-girdi","status":"publish","type":"post","link":"https:\/\/www.erzhaber.com.tr\/?p=1578609","title":{"rendered":"Alt\u0131n tasarruf Sistemi uygulamaya girdi"},"content":{"rendered":"<header>\n<h3 class=\"summary\">Yast\u0131k alt\u0131 alt\u0131nlar\u0131n ekonomiye kazand\u0131r\u0131lmas\u0131 amac\u0131yla hayata ge\u00e7irilen &#8220;Alt\u0131n Tasarruf Sistemi&#8221;yle beraber ki\u015finin do\u011frudan \u00e7eyrek hesab\u0131 a\u00e7malar\u0131 bug\u00fcnden itibaren ba\u015flad\u0131.<\/h3>\n<\/header>\n<div class=\"content\">\n<p>Hazine ve Maliye Bakan\u0131 Nureddin Nebati&#8217;nin duyurdu\u011fu &#8216;Alt\u0131n Tasarruf Sistemi&#8217; ile vatanda\u015flar &#8216;Alt\u0131n Depo Hesaplar\u0131, Alt\u0131n Kat\u0131l\u0131m Hesaplar\u0131, \u00c7eyrek Hesap, \u00c7eyrek Kat\u0131l\u0131m Hesab\u0131, Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Mevduat, Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Kat\u0131lma Hesab\u0131&#8217; tercih edebilecek.<\/p>\n<p><strong>Alt\u0131n Tasarruf Sistemi&#8217;ne ili\u015fkin en \u00e7ok merak edilen soru ve yan\u0131tlar\u0131 \u015f\u00f6yle:<\/strong><\/p>\n<p>Ki\u015filer, finansal sistem d\u0131\u015f\u0131nda tuttuklar\u0131 alt\u0131nlar\u0131n\u0131 sisteme nas\u0131l dahil edecek, hangi kanallara teslimat\u0131 yapacak?<\/p>\n<p>Vatanda\u015flar, fiziki alt\u0131nlar\u0131n\u0131 (ziynet, meskuk alt\u0131nlar\u0131, i\u015flenmi\u015f ve hurda) rafineriler taraf\u0131ndan olu\u015fturulan kuyumcu a\u011flar\u0131 \u00fczerinden \u00f6zel yaz\u0131l\u0131m ve donan\u0131mlar arac\u0131l\u0131\u011f\u0131yla banka hesaplar\u0131na aktarabilecekleri gibi ayr\u0131ca banka \u015fubeleri kanal\u0131yla da fiziki alt\u0131n teslim edebilecek. Alt\u0131n toplama s\u00fcrecinde bug\u00fcne kadar uygulanandan farkl\u0131 olarak bankalar\u0131n baz\u0131 \u015fubeleri toplama i\u015flemlerine s\u00fcrekli arac\u0131l\u0131k yapacak.<\/p>\n<p><strong>Sisteme teslim edilen alt\u0131nlar\u0131n de\u011ferlemesi nas\u0131l yap\u0131lacak, ma\u011fduriyetler nas\u0131l \u00f6nlenecek?<\/strong><\/p>\n<p>Yast\u0131k alt\u0131 alt\u0131n tasarruflar\u0131n\u0131n ekonomiye kazand\u0131r\u0131lmas\u0131 i\u00e7in \u00f6nem arz eden hurda alt\u0131n de\u011ferleme sisteminin i\u015flerli\u011finin ve s\u00fcrd\u00fcr\u00fclebilirli\u011finin sa\u011flanabilmesi amac\u0131yla sistem dahilinde BDDK taraf\u0131ndan belirlenmi\u015f &#8216;Hurda Alt\u0131n De\u011ferlemesinde Kullan\u0131lacak Asgari Milyem De\u011ferleri&#8217; esas al\u0131nacak. Vatanda\u015flar, bu asgari de\u011ferler \u00fczerinde kendilerine en uygun de\u011ferlemeyi veren kuyumcular \u00fczerinden i\u015flemlerini ger\u00e7ekle\u015ftirecek. Kuyumcular, rafineriler ve bankalar aras\u0131nda kurulacak teyit mekanizmas\u0131 \u00e7er\u00e7evesinde vatanda\u015f i\u015flemini ger\u00e7ekle\u015ftirip kuyumcuyu terk etmeden \u00f6nce hesab\u0131na ne kadar alt\u0131n veya TL aktar\u0131ld\u0131\u011f\u0131na ili\u015fkin teyidi alacak.<\/p>\n<p><strong>Ki\u015filer teslim ettikleri alt\u0131nlar\u0131 sistemde nas\u0131l de\u011ferlendirecek, hangi yat\u0131r\u0131m ara\u00e7lar\u0131n\u0131 tercih edebilecek ve getirisi nas\u0131l hesaplanacak?<\/strong><\/p>\n<p>Vatanda\u015flar sisteme girmeleri halinde Alt\u0131n Depo Hesaplar\u0131, Alt\u0131n Kat\u0131l\u0131m Hesaplar\u0131, \u00c7eyrek Hesap, \u00c7eyrek Kat\u0131l\u0131m Hesab\u0131, Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Mevduat, Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Kat\u0131lma Hesab\u0131 t\u00fcrlerini tercih edebilecek. Vatanda\u015f\u0131n elde edece\u011fi getiriler, sistem dahilinde se\u00e7tikleri yat\u0131r\u0131m arac\u0131 ve bankaya ba\u011fl\u0131 olarak de\u011fi\u015fkenlik g\u00f6sterebilecek. Sa\u011flanacak ek avantajlar, ilgili bankalarca ve olu\u015fturulacak platformlarda vatanda\u015flara duyurulacak. Ayr\u0131ca Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Mevduat veya Kat\u0131lma Hesaplar\u0131nda TCMB d\u00fczenlemesi uyar\u0131nca hesaplanan getiriler elde edilecek.<\/p>\n<p><strong>Yat\u0131r\u0131m geri \u00e7ekilirken fiziki alt\u0131n ya da mevduat olarak al\u0131nabilecek mi?<\/strong><\/p>\n<p>Vatanda\u015flar sistem dahilinde fiziki alt\u0131nlar\u0131n\u0131 teslim ettikten sonra istedikleri zaman, 24 ayar gram, k\u00fcl\u00e7e veya \u00e7eyrek, meskuk fiziki alt\u0131n ya da TL olarak geri alabilecek ancak vade ve hesap t\u00fcr\u00fcne bankalar taraf\u0131ndan farkl\u0131 uygulamalar m\u00fcmk\u00fcn olabilecek.<\/p>\n<p>Alt\u0131n\u0131 teslim etmek istedi\u011finde yat\u0131r\u0131mc\u0131n\u0131n herhangi bir bankada hesab\u0131 olmas\u0131 gerekecek mi, yoksa yap\u0131lacak sistemde o an banka hesab\u0131n\u0131n a\u00e7\u0131lmas\u0131 da m\u00fcmk\u00fcn olabilecek mi? Alt\u0131n\u0131n\u0131 teslim etti\u011fi anda sistemden nema sa\u011flama aktif hale gelecek mi?<\/p>\n<p>Vatanda\u015flar\u0131n fiziki alt\u0131nlar\u0131n\u0131 teslim etmeleri s\u0131ras\u0131nda sistem dahilindeki anla\u015fmal\u0131 bir bankada hesaplar\u0131n\u0131n bulunmas\u0131 gerekecek. Fiziki alt\u0131nlar anla\u015fmal\u0131 kuyumcular ve bankalara tesliminden sonra vatanda\u015f\u0131n banka hesab\u0131na havale yap\u0131lacak. Alt\u0131n\u0131n fiziken de\u011ferlemesi yap\u0131l\u0131p bankaya aktar\u0131ld\u0131ktan sonra ise hak edece\u011fi getiriler aktif hale gelecek.<\/p>\n<p><strong>Uygulama ne zaman ba\u015flayacak ve bir s\u00fcre s\u0131n\u0131r\u0131 olacak m\u0131?<\/strong><\/p>\n<p>\u015eu anda fiziki alt\u0131nlar\u0131n tesliminde anla\u015fmal\u0131 kuyumcu noktalar\u0131 bulunuyor. S\u00f6z konusu yat\u0131r\u0131mlar\u0131n fiziki alt\u0131n olarak \u00e7ekimine ve farkl\u0131 hesap t\u00fcrlerinde de\u011ferlendirilmesine ise 1 Mart itibar\u0131yla ba\u015flanacak. K\u0131sa s\u00fcre i\u00e7inde 81 ilde en az bir kuyumcu noktas\u0131 olacak \u015fekilde daha geni\u015f say\u0131da kuyumcu a\u011f\u0131 \u00fczerinden aktar\u0131m yap\u0131lmas\u0131 m\u00fcmk\u00fcn olacak. Vatanda\u015flar\u0131n darphane \u00fcretimi ziynet alt\u0131n tasarruflar\u0131na \u00f6zel olarak kat\u0131l\u0131m bankalar\u0131nda ve kamu bankalar\u0131nda do\u011frudan \u00e7eyrek hesab\u0131 a\u00e7malar\u0131na da 1 Mart&#8217;tan itibaren ba\u015flanacak.<\/p>\n<p>K\u0131sa bir s\u00fcre i\u00e7inde 1500 kuyumcu say\u0131s\u0131na ula\u015f\u0131lacak. Sisteme dahil olan kuyumcular i\u00e7in herhangi bir kriter belirlendi mi?<\/p>\n<p>Kuyumcular i\u00e7in herhangi bir kriter belirlenmemekle birlikte Ticaret Bakanl\u0131\u011f\u0131 taraf\u0131ndan yetkilendirilen kuyum i\u015fletmesi olmas\u0131 ve dahil olduklar\u0131 rafineri taraf\u0131ndan sa\u011flanan teyit sistemini kurmalar\u0131 gerekiyor.<\/p>\n<p>Sisteme her banka ve t\u00fcm \u015fubeleri dahil olacak m\u0131? Yetkili banka ya da kuyumcular nas\u0131l duyurulacak?<br \/>\nFiziki alt\u0131n teslim s\u00fcrecinde bankalar haricinde rafinerilerin kuyumcu a\u011flar\u0131 \u00f6ng\u00f6r\u00fcld\u00fc\u011f\u00fc i\u00e7in her bankan\u0131n t\u00fcm \u015fubesinin sisteme dahil olmas\u0131 zorunlu de\u011fil ancak rafineriler ile bankalar aras\u0131nda anla\u015fma yap\u0131lmas\u0131 gerekecek. Bu anla\u015fmay\u0131 yapan, kendi a\u011f\u0131n\u0131 olu\u015fturan her banka veya \u015fubeleri sisteme dahil olacak. Yetkili banka ve kuyumcu bilgilerinin, haz\u0131rlanacak web sitesi \u00fczerinden vatanda\u015flara duyurulmas\u0131 planlan\u0131yor.<\/p>\n<p>Yararlan\u0131c\u0131 yast\u0131k alt\u0131 alt\u0131n\u0131n\u0131 bankada TL mevduata d\u00f6n\u00fc\u015ft\u00fcrd\u00fckten sonra vadesinden \u00f6nce paras\u0131n\u0131 \u00e7ekmesi durumunda getiri miktar\u0131 de\u011fi\u015febilecek mi?<\/p>\n<p>Burada Alt\u0131n Hesaplar\u0131ndan T\u00fcrk Liras\u0131 Mevduat ve Kat\u0131lma Hesaplar\u0131na D\u00f6n\u00fc\u015f\u00fcm\u00fcn Desteklenmesi Hakk\u0131nda Tebli\u011f h\u00fck\u00fcmleri uygulanacak. Di\u011fer hesap t\u00fcrlerinde ise alt\u0131n mevduat\u0131 ve kat\u0131l\u0131m hesab\u0131 kabul eden bankalar\u0131n o hesaplarla ilgili d\u00fczenlemeleri esas olacak.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Yast\u0131k alt\u0131 alt\u0131nlar\u0131n ekonomiye kazand\u0131r\u0131lmas\u0131 amac\u0131yla hayata ge\u00e7irilen &#8220;Alt\u0131n Tasarruf Sistemi&#8221;yle beraber ki\u015finin do\u011frudan \u00e7eyrek hesab\u0131 a\u00e7malar\u0131 bug\u00fcnden itibaren ba\u015flad\u0131. Hazine ve Maliye Bakan\u0131 Nureddin Nebati&#8217;nin duyurdu\u011fu &#8216;Alt\u0131n Tasarruf Sistemi&#8217; ile vatanda\u015flar &#8216;Alt\u0131n Depo Hesaplar\u0131, Alt\u0131n Kat\u0131l\u0131m Hesaplar\u0131, \u00c7eyrek Hesap, \u00c7eyrek Kat\u0131l\u0131m Hesab\u0131, Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Mevduat, Alt\u0131n D\u00f6n\u00fc\u015f\u00fcml\u00fc TL Kat\u0131lma Hesab\u0131&#8217; tercih edebilecek. Alt\u0131n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1578611,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1578609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/1578609","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1578609"}],"version-history":[{"count":0,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/posts\/1578609\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=\/wp\/v2\/media\/1578611"}],"wp:attachment":[{"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1578609"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1578609"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.erzhaber.com.tr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1578609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}