{"id":7629,"date":"2023-04-27T10:05:47","date_gmt":"2023-04-27T07:05:47","guid":{"rendered":"https:\/\/www.turkishpost.net\/ar\/?p=7629"},"modified":"2023-04-27T14:15:34","modified_gmt":"2023-04-27T11:15:34","slug":"kurdaki-makas-kkm-yatirimcisini-zarar-ettirdi","status":"publish","type":"post","link":"https:\/\/www.turkishpost.net\/ar\/kurdaki-makas-kkm-yatirimcisini-zarar-ettirdi\/","title":{"rendered":"Kurdaki makas, KKM yat\u0131r\u0131mc\u0131s\u0131n\u0131 zarar ettirdi"},"content":{"rendered":"<p><strong>(The Turkish Post) &#8211;<\/strong> Bankalararas\u0131 piyasa ve Merkez Bankas\u0131 d\u00f6viz kuru fiyatlar\u0131 ile serbest piyasa ve bankalardan sat\u0131\u015f fiyatlar\u0131 aras\u0131nda a\u00e7\u0131lan makas kur korumal\u0131 mevduatta da yat\u0131r\u0131mc\u0131n\u0131n zarar etmesine neden oluyor. 3 ay \u00f6nce 10 bin dolarl\u0131k KKM hesab\u0131 yapan tasarruf sahibi d\u00fcn vade sonu eline ge\u00e7en TL ile serbest piyasadan 9533 dolar, bankadan ise ortalama 9468 dolar alabildi.<\/p>\n<p>Ekonomi gazetesinden \u015eebnem Turhan\u2019\u0131n haberine g\u00f6re, son d\u00f6nemde d\u00f6vize artan talebe kar\u015f\u0131l\u0131k bankalararas\u0131 piyasa ile banka ve serbest piyasa d\u00f6viz sat\u0131\u015f fiyatlar\u0131 makas\u0131 1 liray\u0131 a\u015ft\u0131. Y\u00fczde 5-6 seviyesinde olu\u015fan bu fark son haftalarda rekor \u00fcst\u00fcne rekor k\u0131ran kur korumal\u0131 mevduat\u0131 tercih eden mevduat sahiplerini de olumsuz etkiliyor. KKM mevduatlar\u0131n\u0131n vadesi doldu\u011funda TL \u00f6demeleri Merkez Bankas\u0131\u2019n\u0131n vade sonu g\u00fcn i\u00e7in ilan etti\u011fi d\u00f6viz kuru fiyat\u0131ndan ger\u00e7ekle\u015fiyor. Tasarruf sahibi vade sonunda ald\u0131\u011f\u0131 TL ile serbest piyasa ve bankalardan d\u00f6viz al\u0131m\u0131 yapmaya kalkt\u0131\u011f\u0131nda ise ayn\u0131 miktar d\u00f6vizi almas\u0131 m\u00fcmk\u00fcn de\u011fil. 3 ay \u00f6nce 10 bin dolar kar\u015f\u0131l\u0131\u011f\u0131 KKM hesab\u0131 a\u00e7an bir tasarruf sahibi d\u00fcn itibariyle KKM\u2019den Merkez Bankas\u0131\u2019n\u0131n ilan etti\u011fi kur ile 194 bin 300 lira kazan\u0131yor. Ancak serbest piyasada dolar\/TL 20.38\u2019den i\u015flem g\u00f6r\u00fcyor. Yani 3 ay sonra 10 bin dolar yerine mevduat sahibi sadece 9533 dolar alabiliyor. 3 ayl\u0131k zarar\u0131 467 dolar oluyor.<\/p>\n<h4><strong>Serbest piyasadaki rakamlar y\u00fckseldi<\/strong><\/h4>\n<p>Kur korumal\u0131 mevduat hesab\u0131 i\u00e7in bankalar Merkez Bankas\u0131\u2019n\u0131n ilan etti\u011fi d\u00f6viz kuru \u00fczerinden i\u015flem yap\u0131yor. 3, 6 ve 12 ay vadelerde kur korumal\u0131 mevduat hesaplar\u0131 a\u00e7\u0131labiliyor. Ve d\u00f6vizdeki fiyat de\u011fi\u015fimlerine g\u00f6re bankalar\u0131n faiz oran\u0131 d\u00fc\u015f\u00fck kal\u0131rsa Merkez Bankas\u0131 veya Hazine fark\u0131 kapat\u0131yor. KKM\u2019ye girdi\u011finiz g\u00fcn elinizdeki d\u00f6viz miktar\u0131 veya TL\u2019nizin o g\u00fcn alabildi\u011fi d\u00f6viz miktar\u0131n\u0131 vade sonunda size banka geri \u00f6demeyi taahh\u00fct ediyor. 10 bin dolar veya 10 bin dolar\u0131n o g\u00fcnk\u00fc TL kar\u015f\u0131l\u0131\u011f\u0131n\u0131 KKM hesab\u0131na yat\u0131rd\u0131\u011f\u0131n\u0131zda vade sonunda size banka yine 10 bin dolar\u0131n TL kar\u015f\u0131l\u0131\u011f\u0131n\u0131 \u00f6d\u00fcyor.<\/p>\n<p>Bankalar\u0131n d\u00f6viz kurunda hem al\u0131m sat\u0131m hem de bankalararas\u0131 piyasaya g\u00f6re daha y\u00fcksek fiyat uygulamas\u0131 sonras\u0131nda serbest piyasada da d\u00f6viz fiyatlar\u0131 y\u00fckseldi. Son haftalarda ise serbest piyasa ve bankalar ile Merkez Bankas\u0131 ve bankalararas\u0131 piyasa aras\u0131ndaki d\u00f6viz fiyatlar\u0131 aras\u0131ndaki makas ise \u00e7ok daha fazla a\u00e7\u0131ld\u0131. Bankalararas\u0131 piyasada d\u00fcn dolar\/TL 19.42 seviyelerinden i\u015flem g\u00f6r\u00fcrken, Merkez Bankas\u0131 taraf\u0131ndan ilan edilen ve KKM\u2019de baz al\u0131nan dolar\/TL seviyesi 19.43 oldu. Serbest piyasada dolar\/TL 20.38 seviyesinde olurken bankalarda ise dolar 20.47 ile 20.70 lira aras\u0131nda i\u015flem g\u00f6rd\u00fc. D\u00fcn itibariyle 3,6 ve 12 ayl\u0131k KKM vadesi biten bir mevduat sahibi ise t\u00fcm bu kur enflasyonu aras\u0131nda zarar etti. 3 ay \u00f6nce 10 bin dolar ile KKM hesab\u0131 a\u00e7an mevduat sahibi d\u00fcn 194.300 lira ald\u0131. Bu paras\u0131n\u0131 yeniden serbest piyasa veya bankalarda dolar alarak de\u011ferlendirmek istedi\u011finde ise serbest piyasadan 9533 dolar, en y\u00fcksek kur fiyat\u0131 veren bankadan ald\u0131\u011f\u0131nda ise 9386 dolar alabildi. En d\u00fc\u015f\u00fck dolar kurunu veren bankadan ise alabildi\u011fi 9491 dolar olarak hesapland\u0131. Yani vade boyunca 10 bin dolar\u0131 erimi\u015f oldu.<\/p>\n<p>Hesaplama yap\u0131ld\u0131\u011f\u0131nda serbest piyasada 3 ayda y\u00fczde 7,38 getiri elde edecekken 10 bin dolar\u0131n\u0131n TL kar\u015f\u0131l\u0131\u011f\u0131, Merkez Bankas\u0131 kuruyla y\u00fczde 3,30 kazand\u0131rd\u0131. KKM yat\u0131r\u0131mc\u0131lar\u0131, yine 6 ayda serbest piyasada y\u00fczde 9,45 kazanacakken TL kar\u015f\u0131l\u0131\u011f\u0131 olarak, Merkez Bankas\u0131 kuruyla y\u00fczde 4,57, 12 ayda ise y\u00fczde 37,61 kazanacakken y\u00fczde 31,64 ile yetinmek zorunda kald\u0131.<\/p>\n<h4><strong>KKM, 1.9 trilyon liraya ula\u015ft\u0131<br \/>\n<\/strong><\/h4>\n<p>Kur korumal\u0131 mevduat hesaplar\u0131n\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fc 14 Nisan haftas\u0131 itibariyle 1.9 trilyon liraya ula\u015ft\u0131. Bug\u00fcn Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) 21 Nisan haftas\u0131 itibariyle yeni veriyi a\u00e7\u0131klayacak. Her ne kadar bayram tatili nedeniyle k\u0131sa bir hafta olsa da KKM hesaplar\u0131ndaki y\u00fckseli\u015fin s\u00fcrmesi bekleniyor.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(The Turkish Post) &#8211; Bankalararas\u0131 piyasa ve Merkez Bankas\u0131 d\u00f6viz kuru fiyatlar\u0131 ile serbest piyasa ve bankalardan sat\u0131\u015f fiyatlar\u0131 aras\u0131nda a\u00e7\u0131lan makas kur korumal\u0131 mevduatta da yat\u0131r\u0131mc\u0131n\u0131n zarar etmesine neden oluyor. 3 ay \u00f6nce 10 bin dolarl\u0131k KKM hesab\u0131 yapan tasarruf sahibi d\u00fcn vade sonu eline ge\u00e7en TL ile serbest piyasadan 9533 dolar, bankadan ise [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7630,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"Gazete Duvar","source_url":"https:\/\/www.gazeteduvar.com.tr\/kkm-sahibi-zarar-ediyor-haber-1615361","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"topbottom","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"0","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"0","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"1","zoom_button_out_step":"4","zoom_button_in_step":"4","show_post_tag":"1","show_prev_next_post":"0","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-715","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"2","hide":""},"jnews_override_bookmark_settings":{"override_bookmark_button":"0","override_show_bookmark_button":"0"},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[2,1],"tags":[305,245,1981,946,78,1982,1422],"class_list":["post-7629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-son-haberler","tag-dolar","tag-doviz","tag-kkm","tag-kur-korumali-mevduat","tag-merkez-bankasi","tag-serbest-piyasa","tag-slider-manset"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/7629","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/comments?post=7629"}],"version-history":[{"count":0,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/posts\/7629\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media\/7630"}],"wp:attachment":[{"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/media?parent=7629"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/categories?post=7629"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.turkishpost.net\/ar\/wp-json\/wp\/v2\/tags?post=7629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}