{"id":29772,"date":"2014-01-05T17:01:44","date_gmt":"2014-01-05T15:01:44","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=29772"},"modified":"2014-01-05T23:41:55","modified_gmt":"2014-01-05T21:41:55","slug":"mevduatta-erozyon","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/mevduatta-erozyon\/","title":{"rendered":"Kaz\u0131m \u00c7ilo\u011flu &#8211; Mevduatta erozyon!"},"content":{"rendered":"<p><em><b>Mevduatta erozyon!<\/b><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-109533681\"><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>Enflasyon ve mevduat faizleri b\u00f6yle giderse, mevduatlardaki erozyon da,do\u011fada ki erozyonu solda s\u0131f\u0131r b\u0131rakacak gibi g\u00f6r\u00fcn\u00fcyor\u2026<\/p>\n<p>Bu y\u0131l\u0131n enflasyon oran\u0131 da nihayet belli oldu.<\/p>\n<p>Y\u00fczde <strong>7.4<\/strong> hay\u0131rlara vesile olsun da, kim i\u00e7in?<\/p>\n<p><strong>Bankalar\u0131n i\u015fi t\u0131k\u0131r\u0131nda, maliyede y\u00fczde on be\u015f stopaj vergisini an\u0131nda tahakkuk eden faiz gelirinden kesip al\u0131yor. Olan gene paras\u0131n\u0131 tasarruf etme ve bu tasarruflar\u0131n\u0131 bankalar arac\u0131l\u0131\u011f\u0131 ile milli ekonomiye kazand\u0131ran mudilere oluyor de\u011fil mi?<\/strong><\/p>\n<p>Hemen, hemen her y\u0131l b\u00f6yle faiz ters d\u00f6ng\u00fcleri, ya\u015fan\u0131p duruyor. Gelin y\u0131ll\u0131k enflasyonu, bin liral\u0131k bir mevduatla k\u0131yaslayarak de\u011ferlendirelim.<\/p>\n<p>\u015eimdi bu mevduat\u0131 <b>2013 <\/b>y\u0131l\u0131 i\u00e7ersinde enflasyonla ba\u015fa ba\u015f g\u00f6t\u00fcrmemiz i\u00e7in, ne gerekir?<\/p>\n<p>Y\u0131lba\u015f\u0131ndan bu yana mevduat\u0131m\u0131za en az <strong>%7.40<\/strong> faiz almal\u0131y\u0131z de\u011fil mi?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3481937747\"><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>\u0130\u015fte orada yan\u0131ld\u0131n\u0131z!<\/p>\n<p>Zira bu gelirden, en az\u0131ndan <strong>%15<\/strong> stopaj vergisi kesilece\u011finden, siz bu oranda faizle, mevduat\u0131n\u0131z\u0131 bankada tutarsan\u0131z asl\u0131nda siz, <strong>7,4&#215;0.85=6,29<\/strong> net bir faiz alm\u0131\u015f ve ayn\u0131 zamanda <strong>%1,11 ve 11,1<\/strong>TL bir de\u011feri de anaparan\u0131zdan kaybetmi\u015f oluyorsunuz\u2026<\/p>\n<p>E\u011fer bu y\u0131lsonu enflasyonu esas al\u0131r, bu de\u011fere <strong>%15<\/strong> stopaj vergisini de eklersek, y\u0131ll\u0131k<strong> %8,71<\/strong> bir faiz ortalamas\u0131, mevduat\u0131m\u0131za art\u0131 bir de\u011fer getirmesi bir yana, ucu ucuna enflasyona kar\u015f\u0131 anca korumu\u015f olacakt\u0131r.<\/p>\n<p>\u015eimdi geriye d\u00f6n\u00fcp bakt\u0131\u011f\u0131m\u0131zda, mevduat ve hazine ka\u011f\u0131tlar\u0131nda b\u00f6yle d\u00fczenli bir mevduat faizine hi\u00e7 rastlad\u0131k m\u0131?<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3566601033\"><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><b>\u00dc\u015fenmezseniz geriye d\u00f6n\u00fcp, mevduat vadelerinize g\u00f6re uygulanan faiz ortalamalar\u0131n\u0131z\u0131 bir g\u00f6zden ge\u00e7irin derim.<\/b><\/p>\n<p><b>E\u011fer at ba\u015f\u0131 kurtard\u0131n\u0131zsa, halinize \u015f\u00fckredin. Negatife d\u00f6nd\u00fc\u011f\u00fcn\u00fcz\u00fc g\u00f6rd\u00fc\u011f\u00fcn\u00fczde ise yapacak bir \u015fey yok elbette, ancak enflasyon art\u0131\u015f\u0131n\u0131 dikkate almadan, sanal miktar art\u0131\u015f\u0131 ile de avunabilirsiniz!<\/b><\/p>\n<p>Di\u011fer yandan, kredilerde uygulanan faizlerle, bu mevduatlar\u0131n\u0131z\u0131 k\u0131yaslad\u0131\u011f\u0131n\u0131z da ve onlar\u0131n y\u0131ll\u0131k ortalamalar\u0131n\u0131 g\u00f6rd\u00fc\u011f\u00fcn\u00fczde ise eminin \u00e7ok daha \u015fa\u015f\u0131racaks\u0131n\u0131z?<\/p>\n<p>Bence hi\u00e7 \u015fa\u015f\u0131rmamak gerekir.<\/p>\n<p>Neden mi?<\/p>\n<p>B\u00f6yle ball\u0131 b\u00f6rek kazan\u0131mlar olmasayd\u0131, onca yabanc\u0131(!) bunca T\u00fcrk bankas\u0131n\u0131 be\u015f on y\u0131l \u00f6nce g\u00f6z\u00fc kapal\u0131 al\u0131r m\u0131yd\u0131?<\/p>\n<p>Kredilrde en ehveni\u015fer faiz ise araba ve ev bor\u00e7lanmalar\u0131nda oluyor. Nedeni de, elde g\u00fcvenilir bir mal ve bu mal\u0131n al\u0131nan kredinin \u00e7ok alt\u0131nda ve acil sat\u0131\u015f durumunda, verilen krediyi kar\u015f\u0131layacak de\u011ferde ve banka eksperlerince \u00e7ok iyi fiyatland\u0131rmas\u0131nda yat\u0131yor.<\/p>\n<p>Yani risk yok\u2026<\/p>\n<p>Diyelim ki kredi \u00f6denmedi?<\/p>\n<p>\u0130potekli mal, e\u015fya ve ara\u00e7, \u00f6ld\u00fcm e\u015fek fiyat\u0131na da sat\u0131lsa? Banka a\u00e7\u0131s\u0131ndan ortada bir risk olu\u015fmuyor. Bu kredi faizleri de ayl\u0131k 0,85 ten a\u015fa\u011f\u0131 hi\u00e7 inmedi say\u0131l\u0131r y\u0131ll\u0131k ortalamas\u0131 ise elbette % 10-12.<\/p>\n<p>\u0130\u015fte t\u00fcm bu rakamsal de\u011ferlere, yabanc\u0131lara tan\u0131nan vergi ayr\u0131cal\u0131klar\u0131n\u0131, birde \u00fczerine nerede ise \u00e7o\u011fu yabanc\u0131lar\u0131n elinde olan AVM ile t\u00fcketimi te\u015fvik kredi kart\u0131 cazibesini koydunuz mu?<\/p>\n<p>T\u00fcrkiye\u2019den daha iyi bir \u00fclke bulunabilir miydi?<\/p>\n<p>Bir keresinde bir ekonomi kanal\u0131na konuk olan Alman dan\u0131\u015fmanla yap\u0131lan sohbeti izliyordum. Alman ekonomist \u00fclkemizi yere, g\u00f6\u011fe s\u0131\u011fd\u0131ram\u0131yor ve methiyeler d\u00fczd\u00fck\u00e7e, sunucumuz da a\u011fz\u0131 kulaklar\u0131nda dinliyordu.<\/p>\n<p>En dikkatini \u00e7eken de, g\u00fcnd\u00fcz g\u00f6z\u00fcne \u00e7ar\u015f\u0131 pazarlarda ki insan, \u00f6zelliklede gen\u00e7 insan yo\u011funlu\u011fu olmu\u015f!<\/p>\n<p>Ve diyor ki uzaman(!) Almanya da ya da Avrupa\u2019n\u0131n her hangi bir yerinde b\u00f6yle bir manzaray\u0131 asla g\u00f6remezsiniz\u2026<\/p>\n<p>Hani bir zamanlar yabanc\u0131lar \u00fclkemize geldi mi? Bize \u015fi\u015fkebap, lokum, \u00fclke insan\u0131n\u0131z \u00e7ok misafirperver diye ara gaz\u0131 verirlerdi ya? \u0130\u015fte bu da \u00f6zelle\u015ftirmeler ve yabac\u0131 mal\u0131 g\u00f6t\u00fcrme d\u00f6nemleri ba\u015flad\u0131\u011f\u0131nda, devreye giren ekonominiz \u00e7ok iyi canl\u0131 bir n\u00fcfusa sahipsiniz, ara gazlar\u0131n\u0131n yeni versiyonu olarak ortaya at\u0131ld\u0131!<\/p>\n<p>Dedim ya hep ekonomik akl\u0131m\u0131z(!) rakamlara ve bilimsel verilere g\u00f6re de\u011fil, hamaset ve pof, pof lama s\u00f6zc\u00fckleri ile \u00e7al\u0131\u015f\u0131yor.<\/p>\n<p><b>Asl\u0131nda bu uzmana, kar\u015f\u0131s\u0131ndakinin ekonomik akl\u0131 olsa? Sorulacak en g\u00fczel soru \u015fu olmal\u0131yd\u0131?<\/b><\/p>\n<p>\u2018\u2019Pek muhterem uzman\u0131m;<\/p>\n<p>Herkesin i\u015fte, okulda olmas\u0131 gerekirken, bunca hem de \u00e7o\u011funlu\u011fu gen\u00e7 insanlar\u0131n sokaklarda dola\u015fmas\u0131n\u0131n neresi g\u00fczel?<\/p>\n<p>Bu i\u015fsizli\u011fin, \u00fcretmeyi\u015fin bir g\u00f6stergesi de\u011fimlidir?\u2019\u2019<\/p>\n<p>\u2026..!<\/p>\n<p>S\u00f6z\u00fcn \u00f6z\u00fc;<\/p>\n<p><b>Matemati\u011fi ve pozitif bilimleri, okulda not almak i\u00e7in \u00f6\u011frenen ve ya\u015fama aktarmayan toplumlar, ba\u015fka \u00fclkelerin \u2018\u2019ekonomik uyan\u0131klar\u0131n\u0131n\u2019\u2019 d\u00f6rt i\u015fleminde, rakamsal \u00e7arpan, b\u00f6len olarak yer almaktan ve birikimlerini ve kazan\u0131mlar\u0131n\u0131 heba etmekten \u00f6te gidemezler..<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mevduatta erozyon! Enflasyon ve mevduat faizleri b\u00f6yle giderse, mevduatlardaki erozyon da,do\u011fada ki erozyonu solda s\u0131f\u0131r b\u0131rakacak gibi g\u00f6r\u00fcn\u00fcyor\u2026 Bu y\u0131l\u0131n enflasyon oran\u0131 da nihayet belli&hellip;<\/p>\n","protected":false},"author":10,"featured_media":23415,"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":[808,801,912],"class_list":["post-29772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-kazim-ciloglu-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/29772","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=29772"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/29772\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media\/23415"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=29772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=29772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=29772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}