{"id":22003,"date":"2012-12-23T19:18:50","date_gmt":"2012-12-23T17:18:50","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=22003"},"modified":"2013-04-09T20:08:27","modified_gmt":"2013-04-09T18:08:27","slug":"dogal-afetler-sigortasi-dask","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/dogal-afetler-sigortasi-dask\/","title":{"rendered":"Do\u011fal Afetler Sigortas\u0131 DASK!"},"content":{"rendered":"<p>\u00a0Do\u011fal Afetler Sigortas\u0131 DASK!<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1203630259\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Belki bir\u00e7o\u011fumuzun ne ama\u00e7la kuruldu\u011funu hat\u0131rlamad\u0131\u011f\u0131 ilk \u00f6nceleri iste\u011fe ba\u011fl\u0131 sonra zorunlu hale, bununla da yetinilmeyip su, elektrik ve bir\u00e7ok kamu hizmetinin bu sigortay\u0131 yapt\u0131rmayanlara verilmeyece\u011fi bile g\u00fcndemde getirilirken, bu sigorta sistemini sorgulamada toplum olarak neden suskun kald\u0131\u011f\u0131m\u0131z\u0131 ise tam bir duyars\u0131zl\u0131k \u00f6rne\u011fidir.<\/p>\n<p>Bu sigorta sistemi, 1999 deprem sonras\u0131 \u00e7\u0131kan maddi sorunlar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fc kar\u015f\u0131s\u0131nda, ge\u00e7mi\u015f yap\u0131lar\u0131n, ne kadar denetimsiz yap\u0131ld\u0131\u011f\u0131n\u0131 ortaya koymu\u015f ve bu eski yap\u0131lar\u0131n maddi kay\u0131plar\u0131n\u0131n, ileriki depremler de, devlete y\u00fck olmadan kar\u015f\u0131lanmas\u0131 i\u00e7in bir \u00f6nlem olarak yasala\u015ft\u0131r\u0131lm\u0131\u015ft\u0131.<\/p>\n<p>Bununla da yetinilmeyip, gelecekte yap\u0131lacak yap\u0131lar\u0131n depreme tam dayan\u0131kl\u0131 yap\u0131lmas\u0131 i\u00e7in de zemin, bina in\u015faat denetimi i\u00e7in, ba\u011f\u0131ms\u0131z \u015firketlerin kurulmas\u0131 sa\u011flanm\u0131\u015ft\u0131.\u00a0<\/p>\n<p>Yani?<\/p>\n<p><strong>O tarihten itibaren, yap\u0131lmakta ve yap\u0131lacak t\u00fcm in\u015faatlar, depreme dayan\u0131kl\u0131 olacakt\u0131 ve bu yasa ile de g\u00fcvenceye al\u0131nm\u0131\u015ft\u0131! <\/strong><\/p>\n<p>\u00d6ylemi oldu?<\/p>\n<p>Pek \u00f6yle olmad\u0131\u011f\u0131 anla\u015f\u0131l\u0131yor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-955841078\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Bunu anlamak hi\u00e7te zor de\u011fil elbette.<\/p>\n<p><strong>Madem yeni yap\u0131lanlar depreme dayan\u0131kl\u0131, o halde neden DASK sigortas\u0131 yapt\u0131rma zorunlulu\u011fu var<\/strong>?<\/p>\n<p>Gene diyelim ki bir bankadan kredi al\u0131p, ald\u0131\u011f\u0131n\u0131z m\u00fclk\u00fcn\u00fcz\u00fc ipotek ettiriyorsunuz ama bankan\u0131n ekspertizi ile kontrol ettirdi\u011fi(<strong>buda ne kadar ger\u00e7ek\u00e7idir tart\u0131\u015f\u0131labilinir<\/strong>) gayrimenkule, yang\u0131n ve DASK sigortas\u0131 yapt\u0131rman\u0131z \u015fart ko\u015fuluyor!<\/p>\n<p><strong>Yang\u0131n\u0131 anlar\u0131z, yang\u0131n \u00f6nlemi her an gerekebilir ama al\u0131nan yeni in\u015fa binan\u0131n depreme dayan\u0131kl\u0131l\u0131\u011f\u0131 varken, b\u00f6yle bir sigorta neden yapt\u0131r\u0131l\u0131yor? <\/strong><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-376694400\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Eski ev al\u0131\u015f sat\u0131\u015flar\u0131nda bu zorunlu olabilir elbette, ama 1999 sonras\u0131 gayrimenkullerin buna zorlanmas\u0131 akla \u015fu soruyu getiriyor.<\/p>\n<p><strong>Ya yeni yap\u0131larda tam denetlenemiyor ya da bu sigorta ile yeni bir gayrimenkul vergisi olu\u015fturuluyor? <\/strong><\/p>\n<p>Daha da ilgin\u00e7 bir y\u00f6n\u00fc var bu sigorta sisteminin, diyelim ki y\u0131llard\u0131r \u00f6d\u00fcyorsunuz ancak bir \u015fekilde yenilemeyi unuttunuz ve de o bir iki g\u00fcnl\u00fck s\u00fcre\u00e7te, maazallah deprem oldu(!) ayn\u0131 \u015fekilde bir di\u011fer ki\u015fide, o ana kadar hi\u00e7 sigorta yapt\u0131rmam\u0131\u015f, pirim \u00f6dememi\u015f ama bir iki g\u00fcn \u00f6nce yeni sigorta yapt\u0131rm\u0131\u015f olsun. \u00a0<\/p>\n<p><strong>Siz onca y\u0131ll\u0131k prim \u00f6demenize kar\u015f\u0131n, hi\u00e7bir yard\u0131m alamazken, yeni sigortal\u0131, sigorta havuzunda biriken paradan t\u00fcm hakk\u0131n\u0131, sadece poli\u00e7e ilk taksit bedeli ile alabilmektedir! <\/strong><\/p>\n<p>Hadi bunu da bir yana b\u0131rakal\u0131m, 1999 dan beri 13 y\u0131l prim \u00f6dediniz ve bu y\u0131l, sizle birlikte ilk defa sigorta sistemine girenlerle, ayn\u0131 primi \u00f6d\u00fcyorsunuz ve yeni \u00fcyelerle aran\u0131zda hi\u00e7bir indirim avantaj\u0131n\u0131z ve fark\u0131n\u0131z olmuyor.<\/p>\n<p>En basit ve her g\u00fcn trafikte risk alt\u0131nda olan bir araba kasko sigortas\u0131nda bile, y\u0131llara g\u00f6re, y\u00fczde k\u0131rk, elliye varan prim indirimleri uygulan\u0131rken, b\u00f6yle bir duruma \u015fa\u015fmamak elde de\u011fildir.<\/p>\n<p>Y\u00fcz metre karelik bir evin emlak vergisi ile at ba\u015f\u0131 hale gelmi\u015f bu sistemi tekrar g\u00f6zden ge\u00e7irmek, en do\u011fru yol olsa gerek.<\/p>\n<p>\u0130leti\u015fim gelirlerinden kesilen ve o y\u0131llara mahsus deprem vergilerinin, bu g\u00fcnlere kadar devam etti\u011fini ve burada biriken paralar\u0131nda, duble yollara gitti\u011fini maliye bakan\u0131n a\u00e7\u0131klamalar\u0131nda duyunca, \u015fa\u015f\u0131r\u0131p kalm\u0131\u015ft\u0131k, ancak el anda, ayn\u0131 vergi sistemin devam etti\u011fini biliyor musunuz?<\/p>\n<p>Deprem \u00f6ld\u00fcrmez, bina \u00f6ld\u00fcr\u00fcr deniyor ama vergi halini alm\u0131\u015f bu giderler sayesinde, dar gelirlinin ve emeklilerin depremden \u00f6nce, fatural\u0131 giderlerin devaml\u0131 artmas\u0131 sonucu, a\u00e7l\u0131ktan \u00f6lece\u011fi de a\u015fik\u00e2rd\u0131r!<\/p>\n<p><strong>E\u011fer bu sigorta sisteminde \u00fcyelerin daha artmas\u0131 ve de artan bu \u00fcyelerin, devaml\u0131l\u0131\u011f\u0131n\u0131 sa\u011flamak istiyorsak, zorlama yerine, uzun s\u00fcre i\u00e7ersinde sad\u0131k sigortal\u0131 yaratmak ve bu sad\u0131k sigortal\u0131lar\u0131n primlerini, s\u00fcreye ba\u011fl\u0131 olarak, yeni \u00fcyelerden daha d\u00fc\u015f\u00fck ve cazip hale getirmekten ge\u00e7mektedir.<\/strong><\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc;<\/p>\n<p>Sosyal devlet anlay\u0131\u015f\u0131nda, devletin denetim ve g\u00f6rev ihmallerini, yurtta\u015f\u0131n geliri ile kapama ve \u00e7\u00f6z\u00fcme ula\u015ft\u0131rmaya \u00e7al\u0131\u015fma kolayc\u0131l\u0131\u011f\u0131 ho\u015f g\u00f6r\u00fclemez.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Do\u011fal Afetler Sigortas\u0131 DASK! Belki bir\u00e7o\u011fumuzun ne ama\u00e7la kuruldu\u011funu hat\u0131rlamad\u0131\u011f\u0131 ilk \u00f6nceleri iste\u011fe ba\u011fl\u0131 sonra zorunlu hale, bununla da yetinilmeyip su, elektrik ve bir\u00e7ok kamu&hellip;<\/p>\n","protected":false},"author":10,"featured_media":21644,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/22003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=22003"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/22003\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/21644"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=22003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=22003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=22003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}