DUYGU ERDO\u011eAN – <\/strong><\/span>Bireysel Emeklilik Sistemi\u2019nde (BES) en y\u00fcksek devlet katk\u0131s\u0131ndan yararlanmak i\u00e7in geri say\u0131m ba\u015flad\u0131.\u00a0Aral\u0131k ay\u0131 sonuna kadar BES\u2019te devlet katk\u0131s\u0131n\u0131n \u00fcst limitinden yararlanma s\u00fcresi doluyor. BES i\u00e7in bu y\u0131l ayl\u0131k 26 bin lira yat\u0131rarak y\u0131ll\u0131k 312 bin lira \u00f6demeye ula\u015fan bir ki\u015fi en y\u00fcksek devlet katk\u0131s\u0131 tutar\u0131 olan 93 bin 618 liray\u0131 da devlet katk\u0131s\u0131 olarak alacak.\u00a0Yeni y\u0131la kalan 1 ayl\u0131k s\u00fcrede\u00a0 bu y\u0131la ait devlet katk\u0131s\u0131 hakk\u0131n\u0131n tamam\u0131n\u0131 almak isteyen kat\u0131l\u0131mc\u0131lar\u0131n b\u00fct\u00e7eleri elverdi\u011fince ek katk\u0131 pay\u0131 yat\u0131rmalar\u0131n\u0131n \u00f6nemine dikkat \u00e7eken t\u00fcketici birlikleri,\u00a0devlet katk\u0131s\u0131n\u0131n sistemi b\u00fcy\u00fcten en temel arg\u00fcman oldu\u011funa vurgu yap\u0131yor.<\/p>\n BES i\u00e7in \u00f6denen her ayl\u0131k\u00a0katk\u0131 pay\u0131na devletin de y\u00fczde 30 katk\u0131 \u00f6demesi oluyor. \u00d6rne\u011fin ayl\u0131k 3 bin lira yat\u0131ran bir ki\u015fi, bin lira da devlet taraf\u0131ndan katk\u0131 olarak al\u0131yor.\u00a0Y\u0131l\u0131n son ay\u0131nda bu imkandan faydalanmak i\u00e7in neler yapmal\u0131,\u00a0hesaplama nas\u0131l yap\u0131l\u0131yor; sistem nas\u0131l i\u015fliyor? \u0130\u015fte merak edilen sorular\u0131n yan\u0131tlar\u0131\u2026<\/p>\n 1-\u00a0BES\u2019te en \u00fcst limitten faydalanabilmek i\u00e7in y\u0131l\u0131n son g\u00fcnleri neden \u00f6nemli?<\/strong><\/p>\n Her y\u0131l br\u00fct asgari \u00fccret \u00fcst s\u0131n\u0131r olmak \u00fczere ayl\u0131k yat\u0131r\u0131lan tutar kadar devlet de \u00fcst limit katk\u0131 veriyor. Bu y\u0131l i\u00e7in ayl\u0131k 26 bin lira, y\u0131ll\u0131k 312 bin lira \u00f6demeye ula\u015fan bir ki\u015fiye devlet de 93 bin lira katk\u0131 veriyor. Bu miktara ula\u015fmak isteyenler i\u00e7in son ay yapacaklar\u0131 \u00f6deme oran\u0131 belirleyici oluyor.<\/p>\n 2-\u00a0Y\u0131ll\u0131k \u00fcst limit nas\u0131l belirleniyor?<\/strong><\/p>\n Devlet katk\u0131s\u0131n\u0131n \u00fcst limiti y\u0131ll\u0131k br\u00fct asgari \u00fccrete g\u00f6re belirleniyor; bu kapsamda \u00fcst limit devlet katk\u0131s\u0131 tutar\u0131 da bunun y\u00fczde 30\u2019u ile s\u0131n\u0131rl\u0131 oluyor. Y\u0131ll\u0131k olarak artan asgari \u00fccrete paralel olarak \u00f6denen katk\u0131 pay\u0131 ve destek katk\u0131 pay\u0131 miktar\u0131 da art\u0131yor.<\/p>\n 3-En \u00fcst limit d\u0131\u015f\u0131nda yap\u0131lan y\u00fcksek \u00f6demeye y\u00fcksek katk\u0131 alabilir miyim?<\/strong><\/p>\n Y\u0131l boyunca daha d\u00fc\u015f\u00fck \u00f6deme yapanlar da y\u0131l\u0131n son ay\u0131n\u0131 de\u011ferlendirebilir. Toplam katk\u0131 pay\u0131 \u00f6demesi \u00fcst s\u0131n\u0131ra ula\u015fmasa bile \u00f6rne\u011fin aral\u0131kta 100 bin lira \u00f6deme yapan biri bunun y\u00fczde 30\u2019unu da y\u00fcksek devlet katk\u0131s\u0131 olarak al\u0131yor.<\/p>\n 4- \u0130ki farkl\u0131 s\u00f6zle\u015fme varsa ikisinden de yararlanmak m\u00fcmk\u00fcn m\u00fc?<\/strong><\/p>\n Baz\u0131 t\u00fcketicilerin devam eden Otomatik Kat\u0131l\u0131m Sistemi (OKS) taraf\u0131ndaki kat\u0131l\u0131mlar\u0131 ve ayr\u0131ca BES \u00f6demeleri olabiliyor. Y\u0131l boyunca hem Otomatik Kat\u0131l\u0131m S\u00f6zle\u015fmesi\u2019ne hem de Bireysel Emeklilik S\u00f6zle\u015fmesi\u2019ne sahip ise ki\u015fi, 2025 y\u0131l\u0131 i\u00e7in ayr\u0131 ayr\u0131 93 bin lira devlet katk\u0131s\u0131 alabilecek.<\/p>\n 5- E\u015f ve \u00e7ocuk\/\u00e7ocuklar i\u00e7in yapt\u0131r\u0131lan BES i\u00e7in de ayn\u0131 \u015fekilde katk\u0131 al\u0131nabilir mi?<\/strong><\/p>\n E\u015f, \u00e7ocuk ve \u00e7ocuklar ad\u0131na \u00f6denen BES varsa, bunlar ayr\u0131 ayr\u0131 ki\u015filer i\u00e7in \u00f6demeler oldu\u011fu i\u00e7in, onlar i\u00e7in de ayr\u0131 ayr\u0131 y\u00fcksek devlet katk\u0131s\u0131ndan yararlan\u0131labiliyor.<\/p>\n Sistem nas\u0131l i\u015fliyor?<\/strong><\/p>\n Bireysel Emeklilik Sistemi\u2019ndeki (BES) g\u00f6n\u00fcll\u00fc kat\u0131l\u0131mc\u0131 say\u0131s\u0131 22 y\u0131lda 10 milyonu a\u015ft\u0131.<\/p>\n Bireysel emeklilik fonlar\u0131, otomatik kat\u0131l\u0131m sistemiyle bug\u00fcn 2 trilyon liraya yakla\u015fan b\u00fcy\u00fckl\u00fc\u011f\u00fcyle T\u00fcrkiye\u2019nin en \u00f6nemli uzun vadeli yat\u0131r\u0131m kaynaklar\u0131ndan birini olu\u015fturuyor.<\/p>\n Sisteme ayl\u0131k \u00f6deme yapan bireysel ya da gruba ba\u011fl\u0131 bireysel s\u00f6zle\u015fmelerde \u00f6denen katk\u0131 paylar\u0131n\u0131n y\u00fczde 30\u2019u oran\u0131nda devlet katk\u0131s\u0131 yat\u0131r\u0131l\u0131r. Devlet katk\u0131s\u0131, s\u00f6zle\u015fmeye\u00a0tutar intikal ettikten bir sonraki ay\u0131n son i\u015f g\u00fcn\u00fc yans\u0131r. Devlet katk\u0131s\u0131n\u0131n tamam\u0131n\u0131n hak edilmesi sistemde bulunan y\u0131l ve ya\u015f ile ilgilidir.<\/p>\n Devlet katk\u0131s\u0131 hesaplamas\u0131 emeklilik \u015firketleri taraf\u0131ndan iletilen veriler \u00fczerinden Emeklilik G\u00f6zetim Merkezi (EGM) taraf\u0131ndan yap\u0131l\u0131r.\u00a0Bireysel emeklilik Devlet katk\u0131s\u0131 hesab\u0131n\u0131zda kay\u0131tl\u0131 bu tutarlar\u0131n; Sistemde en az 3 y\u0131l kal\u0131rsan\u0131z y\u00fczde 15\u2019ine, en az 6 y\u0131l kal\u0131rsan\u0131z y\u00fczde 35\u2019ine, en az 10 y\u0131l kal\u0131rsan\u0131z y\u00fczde 60\u2019\u0131na;\u00a0emekli olunmas\u0131, vefat, ya da maluliyet\u00a0halinde 100\u2019\u00fcne sahip olunur.\u00a0Sistemden erken \u00e7\u0131k\u0131lmas\u0131 durumunda kesinti (stopaj), birikim toplam\u0131 \u00fczerinden de\u011fil, sadece getiri \u00fczerinden yap\u0131l\u0131yor. Bu getiri; \u00e7\u0131k\u0131\u015f tarihindeki toplam birikimden, sisteme yat\u0131r\u0131lan\u00a0toplam katk\u0131 pay\u0131 ve BES devlet katk\u0131s\u0131 ana paras\u0131n\u0131n\u00a0\u00e7\u0131kar\u0131lmas\u0131yla hesaplan\u0131yor ve bu tutar \u00fczerinden stopaj kesintisi uygulan\u0131yor.<\/p>\n\n <\/p>\n Kaynak :\u00a0http:\/\/www.milliyet.com.tr\/ekonomi\/yuksek-odemeye-ust-limit-katki-7490910<\/span><\/p>\n","protected":false},"excerpt":{"rendered":" BES \u00f6demelerinde \u00fcst limit devlet katk\u0131 pay\u0131ndan yararlanmak i\u00e7in son 1 ay kald\u0131. Y\u0131ll\u0131k \u00f6deme oran\u0131 312 bin liraya ula\u015fan bir ki\u015fi\u00a093 bin lira da devlet katk\u0131s\u0131 olarak al\u0131yor. Hesaplama nas\u0131l yap\u0131l\u0131r, sistem nas\u0131l i\u015fler…<\/p>\n","protected":false},"author":1,"featured_media":144924,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[2080,255,9720,367,9721],"class_list":["post-144923","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-bes","tag-bin-lira","tag-devlet-katkisi","tag-odeme","tag-ust-limit"],"_links":{"self":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/144923","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/comments?post=144923"}],"version-history":[{"count":1,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/144923\/revisions"}],"predecessor-version":[{"id":144925,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/posts\/144923\/revisions\/144925"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media\/144924"}],"wp:attachment":[{"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/media?parent=144923"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/categories?post=144923"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kamucalisani.net\/index.php\/wp-json\/wp\/v2\/tags?post=144923"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}