{"id":28777,"date":"2013-11-16T12:12:42","date_gmt":"2013-11-16T10:12:42","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=28777"},"modified":"2013-11-16T12:12:57","modified_gmt":"2013-11-16T10:12:57","slug":"turkler-kazandi-yabancilar-kaybetti","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/turkler-kazandi-yabancilar-kaybetti\/","title":{"rendered":"T\u00fcrkler Kazand\u0131, Yabanc\u0131lar Kaybetti"},"content":{"rendered":"<div>Bankalar\u0131n bir y\u0131ll\u0131k mevduata verdi\u011fi y\u00fczde 10 dolay\u0131ndaki faiz nominal (g\u00f6r\u00fcn\u00fcrdeki, \u00fcst\u00fcnde yaz\u0131l\u0131 olan) faizdir. Nominal faizden T\u00fcrkiye\u2019de y\u0131ll\u0131k olarak yat\u0131r\u0131lan mevduatta TL kazan\u00e7lar\u0131 \u00fczerinden y\u00fczde 12 gelir vergisi kesintisi (stopaj) yap\u0131l\u0131r. Bu durumda ki\u015finin eline ge\u00e7ecek faiz y\u00fczde 8,8\u2019e iner. Buna da net nominal faiz denir. Yani y\u0131lba\u015f\u0131nda bankaya 100 TL yat\u0131ran bir ki\u015fi y\u0131lsonunda paras\u0131n\u0131 108,8 TL olarak geri alacak demektir.<\/p>\n<\/div>\n<div>Reel faiz, nominal faizden enflasyonun ar\u0131nd\u0131r\u0131lmas\u0131yla bulunan faizdir. \u015e\u00f6yle bir form\u00fclle hesaplan\u0131r: Reel faiz = (1 + nominal faiz) \/ (1 + beklenen enflasyon) \u2013 1. Buradan \u00e7\u0131kan sonucu 100 ile \u00e7arparsak reel faizi y\u00fczde cinsinden g\u00f6rm\u00fc\u015f oluruz. Yukar\u0131daki \u00f6rnekten gidersek, o y\u0131l ger\u00e7ekle\u015fen enflasyon y\u00fczde 7,5 ise, bu ki\u015finin elde etti\u011fi reel faiz y\u00fczde 1,2 dolay\u0131nda \u00e7\u0131kacak demektir. Beklenen enflasyonun ger\u00e7ekle\u015fme sonucuna g\u00f6re bu faiz s\u0131f\u0131rdan b\u00fcy\u00fck \u00e7\u0131kabilece\u011fi gibi s\u0131f\u0131r ya da s\u0131f\u0131rdan k\u00fc\u00e7\u00fck de \u00e7\u0131kabilir.<\/div>\n<div><\/div>\n<div>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.mahfiegilmez.com\/2013\/11\/turkler-kazand-yabanclar-kaybetti.html\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\"><strong>TIKLAYINIZ.<\/strong><\/a> (Mahfiegilmez.com)<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bankalar\u0131n bir y\u0131ll\u0131k mevduata verdi\u011fi y\u00fczde 10 dolay\u0131ndaki faiz nominal (g\u00f6r\u00fcn\u00fcrdeki, \u00fcst\u00fcnde yaz\u0131l\u0131 olan) faizdir. Nominal faizden T\u00fcrkiye\u2019de y\u0131ll\u0131k olarak yat\u0131r\u0131lan mevduatta TL kazan\u00e7lar\u0131 \u00fczerinden&hellip;<\/p>\n","protected":false},"author":12,"featured_media":13098,"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-28777","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\/28777","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\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=28777"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/28777\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/13098"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=28777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=28777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=28777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}