{"id":36777,"date":"2014-11-04T21:27:59","date_gmt":"2014-11-04T19:27:59","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=36777"},"modified":"2014-11-05T08:29:28","modified_gmt":"2014-11-05T06:29:28","slug":"mahfi-egilmez-reel-faiz-kac","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/mahfi-egilmez-reel-faiz-kac\/","title":{"rendered":"Mahfi E\u011filmez &#8211; Reel Faiz Ka\u00e7?"},"content":{"rendered":"<p><strong><em>Tasarruflar\u0131n\u0131za y\u00f6n verirken ya da bir yat\u0131r\u0131ma karar verirken bilmeniz gereken \u00f6nemli unsurlar\u0131n ba\u015f\u0131nda reel faiz geliyor. <\/em><\/strong><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2542871394\"><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>Reel faiz, enflasyon etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f faizdir. Net nominal faizden beklenen enflasyonu d\u00fc\u015ferek hesaplan\u0131r. Enflasyonun y\u00fcksek oldu\u011fu d\u00f6nemlerde bu hesaplamay\u0131 yaparken \u00f6zel bir form\u00fcl kullanmak gerekir. \u00d6ncelikle bu form\u00fcl\u00fc yazal\u0131m ve a\u00e7\u0131klayal\u0131m.<\/p>\n<p><strong>Reel Faiz = (1 + Net Nominal Faiz) \/ (1 + Beklenen Enflasyon) \u2013 1<\/strong><\/p>\n<p>Bu form\u00fclde a\u00e7\u0131klanmas\u0131 gereken iki kavram var: Net nominal faiz ve beklenen enflasyon. Nominal faiz g\u00f6r\u00fcn\u00fcrdeki faiz demektir. \u00d6rne\u011fin bir banka bir ay vadeli hesab\u0131n\u0131za y\u0131ll\u0131k y\u00fczde 9 faiz veriyorsa buradaki y\u00fczde 9 nominal faizdir. Bu sizin elinize ge\u00e7ecek faiz gelirini hesaplaman\u0131za yard\u0131m etmez. \u00c7\u00fcnk\u00fc bu faiz gelirinden y\u00fczde 12 gelir vergisi stopaj\u0131 yap\u0131l\u0131r (mevduat\u0131n 1 y\u0131l vadeli oldu\u011fu varsay\u0131m\u0131yla.) O halde buradan sa\u011flanacak faiz gelirinin net miktar\u0131n\u0131 bulabilmek i\u00e7in gelir vergisi stopaj\u0131n\u0131 d\u00fc\u015fmek gerekir. Buna g\u00f6re net nominal faiz \u015f\u00f6yle hesaplan\u0131r: Net Nominal Faiz = Nominal Faiz \u2013 (Nominal Faiz x GV stopaj oran\u0131.) Beklenen enflasyon ise 12 ay sonra ger\u00e7ekle\u015fece\u011fi tahmin edilen enflasyon oran\u0131n\u0131 g\u00f6sterir.<\/p>\n<p>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"http:\/\/www.mahfiegilmez.com\/2014\/11\/reel-faiz-kac.html\" target=\"_blank\" data-wpel-link=\"external\" rel=\"nofollow external noopener\">TIKLAYINIZ<\/a>. (Mahfiegilmez.Com)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tasarruflar\u0131n\u0131za y\u00f6n verirken ya da bir yat\u0131r\u0131ma karar verirken bilmeniz gereken \u00f6nemli unsurlar\u0131n ba\u015f\u0131nda reel faiz geliyor. Reel faiz, enflasyon etkisinden ar\u0131nd\u0131r\u0131lm\u0131\u015f faizdir. Net nominal&hellip;<\/p>\n","protected":false},"author":12,"featured_media":0,"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":[808,801,847,1412,1413,1414,1415,1416],"class_list":["post-36777","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-mahfi-egilmez-yazilari","tag-net-nominal-faiz-nedir","tag-reel-faiz-nasil-hesaplanir","tag-reel-faiz-nedir-nasil-hesaplanir","tag-reel-faiz-orani-hesaplama","tag-reel-faiz-orani-nasil-hesaplanir"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/36777","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=36777"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/36777\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=36777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=36777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=36777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}