{"id":54955,"date":"2018-06-16T22:50:41","date_gmt":"2018-06-16T19:50:41","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=54955"},"modified":"2018-06-16T22:50:41","modified_gmt":"2018-06-16T19:50:41","slug":"mahfi-egilmez-faiz-deyince","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/mahfi-egilmez-faiz-deyince\/","title":{"rendered":"Mahfi E\u011filmez &#8211; Faiz Deyince"},"content":{"rendered":"<h2>Mahfi E\u011filmez&#8217;in bug\u00fcnk\u00fc yaz\u0131s\u0131<\/h2>\n<p><strong>Faiz Nas\u0131l Hesaplan\u0131r?<\/strong><br \/>\nPiyasa a\u00e7\u0131s\u0131ndan bakarsak faizi, tasarruf sahibinin, tasarrufunu, ihtiyac\u0131 olana belirli s\u00fcre i\u00e7in kulland\u0131rmas\u0131n\u0131n kar\u015f\u0131l\u0131\u011f\u0131 olarak ald\u0131\u011f\u0131 bedel olarak tan\u0131mlayabiliriz. Ekonomi bilimi a\u00e7\u0131s\u0131ndan faiz iki farkl\u0131 bi\u00e7imde tan\u0131mlan\u0131r: (1) Bir bor\u00e7 anla\u015fmas\u0131n\u0131n sat\u0131\u015f\u0131 sonras\u0131nda elde edilen getiri miktar\u0131, (2) \u00dcretim ama\u00e7l\u0131 olarak kullan\u0131lan sermayenin getiri oran\u0131.<\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2512220626\"><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>Basit Faiz: Belirli bir d\u00f6nem i\u00e7in yat\u0131r\u0131lan mevduat\u0131n o d\u00f6nem sonunda kazand\u0131\u011f\u0131 faiz getirisine basit faiz deniyor.<\/p>\n<p>Nominal Faiz: Bankalar\u0131n mevduata uygulayacaklar\u0131n\u0131 a\u00e7\u0131klad\u0131klar\u0131 faiz nominal faizdir. \u00d6rne\u011fin bir banka 1 y\u0131l vadeli mevduata % 17 faiz verece\u011fini a\u00e7\u0131klam\u0131\u015fsa bu nominal faizdir.<\/p>\n<p>Net Nominal Faiz: Bankalar\u0131n a\u00e7\u0131klad\u0131klar\u0131 nominal faizden vade sonunda gelir vergisi stopaj\u0131 yap\u0131l\u0131yor. TL mevduatta elde edilen faiz gelirinden, 6 aya kadar vadeliler i\u00e7in % 15, 6 aydan 1 y\u0131la kadar vadeliler i\u00e7in % 12 gelir vergisi stopaj\u0131 s\u00f6z konusu. Mevduat sahibinin eline ge\u00e7en faiz getirisi bu kesintiden sonraki tutard\u0131r. Buna net nominal faiz diyoruz (1 y\u0131l vadeli % 17 nominal faizli mevduatta vergi sonras\u0131 net nominal faiz oran\u0131 yakla\u015f\u0131k % 15 ediyor.)<\/p>\n<p>Bile\u015fik Faiz: Ge\u00e7mi\u015f d\u00f6nem faizinin de anaparaya eklenmesiyle yeni d\u00f6nemde elde edilen faiz getirisine bile\u015fik faiz deniyor.<\/p>\n<p>Bile\u015fik Faizli Getiri = Anapara (1 + Ayl\u0131k faiz)^ d\u00f6nem say\u0131s\u0131<\/p>\n<p>Bile\u015fik Faiz = (Bile\u015fik Faizli Getiri \u2013 Anapara) \/ Anapara<\/p>\n<p>Net nominal faizin yukardaki gibi ayl\u0131k vadede % 1,25 oldu\u011funu kabul edersek 1 ay vadeli yat\u0131r\u0131larak her ay vadesi yenilenen bir hesab\u0131n y\u0131ll\u0131k bile\u015fik faizi yakla\u015f\u0131k olarak % 16\u2019ya denk gelir.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-456822705\"><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>Reel Faiz: Nominal faizden enflasyonun etkisinin giderilmesi yoluyla hesaplanan faizdir. Bir anlamda d\u00f6nem sonunda ele ge\u00e7ecek olan faizin sat\u0131n alma g\u00fcc\u00fcndeki de\u011fi\u015fimden ar\u0131nd\u0131r\u0131lmas\u0131yla hesaplanm\u0131\u015f faiz demektir. Burada hesaba kat\u0131lmas\u0131 gereken enflasyon oran\u0131 paran\u0131n yat\u0131r\u0131ld\u0131\u011f\u0131 anda ge\u00e7erli olan enflasyon oran\u0131 de\u011fil d\u00f6nem sonunda ge\u00e7erli olmas\u0131 beklenen enflasyon oran\u0131d\u0131r. Buna \u201cbeklenen enflasyon\u201d deniyor.<\/p>\n<p>Bu hesaplama piyasada genellikle nominal faizden enflasyon etkisi ar\u0131nd\u0131r\u0131larak yap\u0131l\u0131yor. Oysa do\u011frusu net nominal faizden enflasyonu ar\u0131nd\u0131rarak hesaplanmas\u0131d\u0131r.<\/p>\n<h6>Yaz\u0131n\u0131n devam\u0131 i\u00e7in <a href=\"https:\/\/www.mahfiegilmez.com\/2018\/06\/faiz-deyince.html\" target=\"_blank\" rel=\"noopener nofollow external\" data-wpel-link=\"external\">TIKLAYINIZ<\/a>.<\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Mahfi E\u011filmez&#8217;in bug\u00fcnk\u00fc yaz\u0131s\u0131 Faiz Nas\u0131l Hesaplan\u0131r? Piyasa a\u00e7\u0131s\u0131ndan bakarsak faizi, tasarruf sahibinin, tasarrufunu, ihtiyac\u0131 olana belirli s\u00fcre i\u00e7in kulland\u0131rmas\u0131n\u0131n kar\u015f\u0131l\u0131\u011f\u0131 olarak ald\u0131\u011f\u0131 bedel olarak&hellip;<\/p>\n","protected":false},"author":12,"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":[808,801,847],"class_list":["post-54955","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi","tag-mahfi-egilmez-yazilari"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/54955","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=54955"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/54955\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=54955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=54955"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=54955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}