{"id":18241,"date":"2022-02-14T19:05:26","date_gmt":"2022-02-14T19:05:26","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/yuvam-hesabi-basvuru-sartlari-nedir-ve-nasil-acilir"},"modified":"2024-12-03T13:59:42","modified_gmt":"2024-12-03T13:59:42","slug":"yuvam-hesabi-basvuru-sartlari-nedir-ve-nasil-acilir","status":"publish","type":"post","link":"https:\/\/develop.wpvip.tgalpha.com\/tr\/yuvam-hesabi-basvuru-sartlari-nedir-ve-nasil-acilir","title":{"rendered":"YUVAM Hesab\u0131 Ba\u015fvuru \u015eartlar\u0131 Nedir ve Nas\u0131l A\u00e7\u0131l\u0131r?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">2021 y\u0131l\u0131n\u0131n Aral\u0131k ay\u0131nda TCMB taraf\u0131ndan yap\u0131lan bas\u0131n a\u00e7\u0131klamas\u0131nda d\u00f6viz hesab\u0131 ve kat\u0131l\u0131m fonlar\u0131n\u0131 vadeli T\u00fcrk liras\u0131 hesab\u0131na d\u00f6n\u00fc\u015ft\u00fcren ki\u015filere kur fark\u0131 deste\u011fi verilece\u011fi bildirildi. \u201cKur Korumal\u0131 TL Vadeli Mevduat Hesab\u0131\u201d olarak adland\u0131r\u0131lan bu sistemin kapsam\u0131 2022 y\u0131l\u0131nda geni\u015fletildi. Yurt d\u0131\u015f\u0131nda ikamet eden T\u00fcrk vatanda\u015flar\u0131n\u0131n da \u201cKur Korumal\u0131 TL Vadeli Mevduat Hesab\u0131\u201d uygulamas\u0131ndan faydalanabilece\u011fi \u015fekilde kapsam\u0131 art\u0131r\u0131ld\u0131. Bu sisteme \u201cYurt D\u0131\u015f\u0131nda Yerle\u015fik Vatanda\u015flar Mevduat ve Kat\u0131l\u0131m\u201d kelimelerinin k\u0131saltmas\u0131 olan \u201cYUVAM\u201d ad\u0131 verildi. Bu hesapla farkl\u0131 \u00fclkelerde ikamet eden T\u00fcrk vatanda\u015flar\u0131n\u0131n her ko\u015fulda korunan tasarruflar\u0131 ile T\u00fcrkiye\u2019nin ekonomisinin b\u00fcy\u00fcmesine katk\u0131 sa\u011flanmas\u0131n\u0131n ama\u00e7land\u0131\u011f\u0131 belirtildi.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">YUVAM Hesab\u0131 Ba\u015fvuru \u015eartlar\u0131 Nedir ve Nas\u0131l A\u00e7\u0131l\u0131r?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">T\u00fcrkiye\u2019deki bankalardan a\u00e7\u0131labilen YUVAM hesab\u0131na ba\u015fvurabilmek i\u00e7in baz\u0131 temel \u015fartlar\u0131 sa\u011flaman\u0131z gerekir. Bu \u015fartlar \u015fu \u015fekildedir;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">18 ya\u015f\u0131n\u0131 doldurmak<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">T\u00fcrk vatanda\u015fl\u0131\u011f\u0131na veya Mavi Kart\u2019a kay\u0131tl\u0131 bulunmak\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Yurt d\u0131\u015f\u0131nda oturma veya \u00e7al\u0131\u015fma izni belgesine sahip olmak<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Ba\u015fvuru i\u00e7in gerekli niteliklere sahipseniz \u00fc\u00e7 basit ad\u0131mda YUVAM hesab\u0131 a\u00e7ma i\u015flemini tamamlayabilirsiniz.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u0130lk olarak kat\u0131l\u0131m bankalar\u0131 da dahil olmak \u00fczere T\u00fcrkiye\u2019deki bir bankadan ABD Dolar\u0131, Euro ve \u0130ngiliz Sterlini cinsinde d\u00f6viz hesab\u0131 a\u00e7man\u0131z gerekir.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u0130kinci ad\u0131mda a\u00e7t\u0131\u011f\u0131n\u0131z veya sahip oldu\u011funuz T\u00fcrkiye\u2019deki d\u00f6viz hesab\u0131na yurt d\u0131\u015f\u0131ndaki tasarruflar\u0131n\u0131z\u0131 transfer etmelisiniz. Bunun i\u00e7in TransferGo uygulamas\u0131 ile uluslararas\u0131 para transferi i\u015flemlerinizi h\u0131zl\u0131 bir \u015fekilde ger\u00e7ekle\u015ftirebilirsiniz.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Yurt d\u0131\u015f\u0131ndaki tasarruflar\u0131n\u0131z\u0131 T\u00fcrkiye\u2019deki hesab\u0131n\u0131za aktard\u0131ktan sonra bankan\u0131zla ileti\u015fime ge\u00e7erek YUVAM hesab\u0131 a\u00e7ma i\u015flemini tamamlayabilirsiniz.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-weight: 400\">Nas\u0131l \u0130\u015fer?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Ba\u015fvuru i\u00e7in herhangi bir zaman s\u0131n\u0131r\u0131 olmayan YUVAM hesab\u0131nda kur fark\u0131 hesaplan\u0131rken T\u00fcrk liras\u0131na ge\u00e7i\u015fin ger\u00e7ekle\u015fti\u011fi tarih ile vade biti\u015f tarihi esas al\u0131n\u0131r. D\u00f6n\u00fc\u015f\u00fcm kuru ve vade sonu kuru olarak adland\u0131r\u0131lan bu kur de\u011ferleri aras\u0131ndaki fark hesaplan\u0131r. Bu fark YUVAM hesab\u0131 sahibi i\u00e7in kay\u0131p olu\u015fturacak bir durum olu\u015fturursa kur farkl\u0131 kendisine \u00f6denerek yat\u0131r\u0131mlar\u0131n\u0131n kayba u\u011framas\u0131 \u00f6nlenir. \u0130lave getiri ad\u0131 alt\u0131nda ger\u00e7ekle\u015ftirilen bu i\u015flemde ama\u00e7 yat\u0131r\u0131mc\u0131lar\u0131n d\u00f6viz cinsinden olan ana paras\u0131n\u0131 korumakt\u0131r.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u0130lave getiri vade s\u00fcresine g\u00f6re belirlenen oranlarda T\u00fcrk liras\u0131 cinsinden \u00f6denir. 3, 6, 12 ve 24 ay vade se\u00e7enekleri bulunan YUVAM hesab\u0131n\u0131n ilave getiri oranlar\u0131 vade s\u00fcresiyle birlikte art\u0131\u015f g\u00f6sterir ve \u015f\u00f6yledir:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">3 ay vade i\u00e7in %0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">6 ay vade i\u00e7in %1\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">12 ay vade i\u00e7in %1.5\u00a0<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">24 ay vade i\u00e7in %2\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">\u0130stedi\u011finiz say\u0131da ve tutarda a\u00e7abilece\u011finiz YUVAM hesab\u0131 ile vade bitiminde elde edebilece\u011finiz kazan\u0131mlar kur seviyesine g\u00f6re \u015fu \u015fekildedir:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400\">Anapara + faiz\/kar pay\u0131<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Anapara + faiz\/kar pay\u0131 + ilave getiri<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400\">Anapara + faiz\/kar pay\u0131 + ilave getiri + kur fark\u0131<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400\">Bankan\u0131z taraf\u0131ndan \u00f6denen bu kazan\u0131mlar\u0131 dilerseniz TransferGo arac\u0131l\u0131\u011f\u0131yla h\u0131zl\u0131ca, dijital bir \u015fekilde farkl\u0131 bir \u00fclkeye transfer edebilirsiniz. Talimat verdi\u011finiz g\u00fcn i\u00e7erisinde tamamlanabilen transfer i\u015flemlerini evden \u00e7\u0131kmadan TransferGo uygulamas\u0131 \u00fczerinden kolayca yapabilirsiniz.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2021 y\u0131l\u0131n\u0131n Aral\u0131k ay\u0131nda TCMB taraf\u0131ndan yap\u0131lan bas\u0131n a\u00e7\u0131klamas\u0131nda d\u00f6viz hesab\u0131 ve kat\u0131l\u0131m fonlar\u0131n\u0131 vadeli T\u00fcrk liras\u0131 hesab\u0131na d\u00f6n\u00fc\u015ft\u00fcren ki\u015filere kur fark\u0131 deste\u011fi verilece\u011fi bildirildi. \u201cKur Korumal\u0131 TL Vadeli Mevduat Hesab\u0131\u201d olarak adland\u0131r\u0131lan bu sistemin kapsam\u0131 2022 y\u0131l\u0131nda geni\u015fletildi. Yurt d\u0131\u015f\u0131nda ikamet eden T\u00fcrk vatanda\u015flar\u0131n\u0131n da \u201cKur Korumal\u0131 TL Vadeli Mevduat Hesab\u0131\u201d uygulamas\u0131ndan faydalanabilece\u011fi \u015fekilde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18242,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1400,1403],"tags":[],"business_case_studies_tags":[],"class_list":["post-18241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bireysel-finans","category-kisisel-finans-ipuclari"],"jetpack_featured_media_url":"https:\/\/develop.wpvip.tgalpha.com\/wp-content\/uploads\/2022\/11\/Untitled-design-10-1.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/posts\/18241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/comments?post=18241"}],"version-history":[{"count":0,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/posts\/18241\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/media\/18242"}],"wp:attachment":[{"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/media?parent=18241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/categories?post=18241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/tags?post=18241"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/develop.wpvip.tgalpha.com\/tr\/wp-json\/wp\/v2\/business_case_studies_tags?post=18241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}