{"id":54815,"date":"2018-06-03T19:11:58","date_gmt":"2018-06-03T16:11:58","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=54815"},"modified":"2018-06-03T19:13:50","modified_gmt":"2018-06-03T16:13:50","slug":"cetin-unsalan-vergiye-kredi-karti-ne-anlatiyor","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-vergiye-kredi-karti-ne-anlatiyor\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Vergiye kredi kart\u0131 ne anlat\u0131yor?"},"content":{"rendered":"<p><em><strong>Hafta sonu haberlerinin i\u00e7erisinde Ankara Ticaret Odas\u0131\u2019n\u0131n Maliye Bakanl\u0131\u011f\u0131\u2019ndan bir talebi kaynad\u0131 gitti. Siyasetin g\u00fcndemine \u00e7ok tak\u0131lan T\u00fcrkiye, bu haberi \u00e7ok da \u00f6nemsemedi. Sanki reel sekt\u00f6r Maliye Bakanl\u0131\u011f\u0131\u2019ndan masum bir talepte bulunuyormu\u015f gibi alg\u0131land\u0131.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2131597929\"><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>Oysa meseleyi vergi ve prim yap\u0131land\u0131rmalar\u0131yla birlikte okudu\u011funuzda ortaya \u00e7\u0131kan sonu\u00e7, daha b\u00fcy\u00fck bir alarm veriyor. Defaten af ad\u0131 alt\u0131nda yap\u0131land\u0131rma yap\u0131lan vergi ve prim \u00f6demelerinde 2018 senesinde halen bir arpa boyu yol alamam\u0131\u015fsak sorun giderek b\u00fcy\u00fcyor demektir.<\/p>\n<p>Peki vergiye kredi kart\u0131 ne anlat\u0131yor? En basitinden reel sekt\u00f6r\u00fcn \u00f6deme g\u00fcc\u00fc olmad\u0131\u011f\u0131n\u0131 g\u00f6steriyor. Muhtemelen ilerleyen durumlarda kredi kart\u0131na taksit de talebe eklenecektir. D\u00fc\u015f\u00fcn\u00fcn ki, vergi ve primleri yap\u0131land\u0131r\u0131yorsunuz; takside ba\u011fl\u0131yorsunuz, ama bu bile \u00f6demek i\u00e7in yeterli g\u00f6r\u00fclm\u00fcyor. Ekstra bir \u00f6deme arac\u0131 talebiyle ortaya \u00e7\u0131k\u0131l\u0131yor.<\/p>\n<p>Hi\u00e7 kimse bunun bir kolayl\u0131k oldu\u011fu s\u00f6ylemesin. \u00c7\u00fcnk\u00fc daha \u00f6nce de su ve benzeri fatura \u00f6demelerinde vatanda\u015fa bu olanak sunulmu\u015ftu. Hi\u00e7 kimse, \u015fayet kredi kart\u0131 borcunu her \u00f6demesinde s\u0131f\u0131rlam\u0131yorsa, her ay yapaca\u011f\u0131 bir \u00f6demeyi kredi kart\u0131yla yapmay\u0131 tercih etmez. \u00c7\u00fcnk\u00fc sonu\u00e7ta ona kazand\u0131raca\u011f\u0131 sadece bir ayd\u0131r. Ama alt a\u00e7\u0131l\u0131mlar\u0131nda taksitlendirme olana\u011f\u0131 getirilirse, borcu \u00f6telemek ad\u0131na bir anlam ta\u015f\u0131r.<\/p>\n<p>Bu taleple ortaya \u00e7\u0131kan\u0131n da her ay kredi kart\u0131 borcunu s\u0131f\u0131rlad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnmek hayalcilik olur. Yani taksit miktarlar\u0131n\u0131 faizini g\u00f6ze alarak uzatman\u0131n, k\u00fc\u00e7\u00fcltmenin, biraz da bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fc riske ortak etmenin anlam\u0131 olu\u015fur.<\/p>\n<p>Meselenin anlatt\u0131\u011f\u0131 ikinci ba\u015fl\u0131k ise, reel sekt\u00f6r\u00fcn \u00e7ok b\u00fcy\u00fck bir nakit s\u0131k\u0131nt\u0131s\u0131 i\u00e7inde oldu\u011fudur. Kredi kart\u0131yla \u00f6deme talebi, piyasadan tahsil edilemeyen alacaklara kar\u015f\u0131, bankac\u0131l\u0131\u011f\u0131 kullanarak vergi ve prim bor\u00e7lar\u0131n\u0131 \u00f6deme kabiliyetine eri\u015fme aray\u0131\u015f\u0131d\u0131r.<\/p>\n<p>Kredi kart\u0131 alternatifinin anlatt\u0131\u011f\u0131 \u00fc\u00e7\u00fcnc\u00fc ba\u015fl\u0131k ise, T\u00fcrkiye\u2019nin k\u00f6kl\u00fc bir reform yapmadan, vergi ve primleri \u00f6denebilir hale sokmadan, bu problemi a\u015fmas\u0131n\u0131n olanaks\u0131z oldu\u011funu g\u00f6stermektedir.<\/p>\n<p>Bu durum da se\u00e7im nedeniyle b\u00fct\u00e7e giderlerinde ortaya \u00e7\u0131kmas\u0131 muhtemel b\u00fcy\u00fck sapman\u0131n, b\u00fct\u00e7e gelirlerinde ya\u015fanaca\u011f\u0131n\u0131 ve a\u00e7\u0131lan makas\u0131n T\u00fcrkiye ekonomisinin k\u0131r\u0131lganl\u0131\u011f\u0131n\u0131 daha da y\u00fckseltece\u011fini ifade etmektedir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-959429221\"><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>S\u00f6z\u00fcn \u00f6z\u00fc asl\u0131nda \u015fu: Reel sekt\u00f6r \u00fcretimden ticaret aya\u011f\u0131na, i\u015fverenden \u00e7al\u0131\u015fan kesime kadar \u00e7ok b\u00fcy\u00fck a\u00e7mazlar\u0131n i\u00e7inde ya\u015fam m\u00fccadelesi veriyor. Sorunlar\u0131n\u0131 g\u00f6rmezden gelir, se\u00e7im \u00f6ncesinde g\u00f6stermelik hareketler yaparsak bunun sonu\u00e7lar\u0131 umdu\u011fumuzdan k\u00f6t\u00fc olur.<\/p>\n<p>T\u00fcrkiye\u2019nin acilen Maliye sisteminden \u00fcretim yap\u0131s\u0131na, piyasa denetiminden \u00e7al\u0131\u015fma bar\u0131\u015f\u0131na kadar yap\u0131lanmas\u0131n\u0131 tamamlay\u0131p, planl\u0131 ekonomiye ge\u00e7mesi ve Mehmet \u015eim\u015fek arac\u0131l\u0131\u011f\u0131yla IMF dayatmal\u0131 yap\u0131sal reformlara de\u011fil, ger\u00e7ekten yap\u0131sal d\u00f6n\u00fc\u015f\u00fcme yelken a\u00e7mas\u0131 gerekiyor. Yoksa bu filmin sonu hi\u00e7 ho\u015f g\u00f6z\u00fckm\u00fcyor. Faturay\u0131 \u00f6demek ka\u00e7\u0131n\u0131lmaz, bari yar\u0131n\u0131 kurtaral\u0131m.<\/p>\n<p><u><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/u><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hafta sonu haberlerinin i\u00e7erisinde Ankara Ticaret Odas\u0131\u2019n\u0131n Maliye Bakanl\u0131\u011f\u0131\u2019ndan bir talebi kaynad\u0131 gitti. Siyasetin g\u00fcndemine \u00e7ok tak\u0131lan T\u00fcrkiye, bu haberi \u00e7ok da \u00f6nemsemedi. Sanki reel&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","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":[904,808,801],"class_list":["post-54815","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/54815","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=54815"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/54815\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=54815"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=54815"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=54815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}