{"id":32299,"date":"2011-05-08T10:38:51","date_gmt":"2011-05-08T07:38:51","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=32299"},"modified":"2011-05-08T10:38:51","modified_gmt":"2011-05-08T07:38:51","slug":"bankalardan-yeni-tuzak","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=32299","title":{"rendered":"Bankalardan yeni tuzak!"},"content":{"rendered":"

\"\"<\/a><\/p>\n

Faiz gelirleri azalan bankalar, m\u00fc\u015fterilerine verdikleri her hizmeti ayr\u0131 \u00fccretlendirmeye ba\u015flad\u0131.<\/p>\n

Art\u0131k para bozduran ve gi\u015feden dekont isteyen m\u00fc\u015fteriden bile para al\u0131n\u0131yor. Bankalar\u0131n havale, EFT ve komisyon ba\u015fta olmak \u00fczere vatanda\u015fa sunduklar\u0131 hizmetlerin kar\u015f\u0131l\u0131\u011f\u0131nda talep ettikleri birbirinden ilgin\u00e7 \u00fccretler “Deli Dumrul” vergilerine d\u00f6n\u00fc\u015ft\u00fc. <\/p>\n

Bankalar \u015fubeye girenm\u00fc\u015fteriye de girmeyen m\u00fc\u015fteriye de \u00e7e\u015fitli isimler alt\u0131nda ilgin\u00e7 faturalar \u00e7\u0131kar\u0131yor. \u015eubeden yap\u0131lan i\u015flemlerde dekont istemek bile ayr\u0131 para. \u00dccret ve komisyonlar\u0131n bir k\u0131sm\u0131 bankadaki hesaptan kesildi\u011fi i\u00e7in \u00e7o\u011fu vatanda\u015f \u00f6dedi\u011fi paradan dahi haberdar olam\u0131yor. Bankalar \u00fccret ve komisyonlar sayesinde ge\u00e7en y\u0131l 10,7milyar lira gelir elde etti.<\/p>\n

BDDK ‘TEST’\u0130 YAYINLADI<\/strong><\/p>\n

Bankac\u0131l\u0131k D\u00fczenleme ve Denetleme Kurumu (BDDK) T\u00fcrkiye’deki t\u00fcmbankalardan bankac\u0131l\u0131k \u00fcr\u00fcn ve hizmet \u00fccretlerini toplay\u0131p yay\u0131nlamaya ba\u015flad\u0131. Halen test ama\u00e7l\u0131 yay\u0131nlanan veriler 30 Haziran’a kadar BDDK’n\u0131n internet sitesinde test ama\u00e7l\u0131 yer alacak. BDDK bankalardan gelen verileri benzer bir formata oturtarak vatanda\u015f\u0131 bilgilendirmeye \u00e7al\u0131\u015f\u0131yor. Ancak, siteyi inceleyerek en ucuz hizmeti sunan bankay\u0131 bulmak son derece zor. \u00c7\u00fcnk\u00fc bankalar\u0131n hizmet tan\u0131mlamas\u0131 bile birbirinden farkl\u0131 isimlerle ifade ediliyor. Bankalar\u0131n vatanda\u015ftan ald\u0131\u011f\u0131 \u00fccret ve komisyonlardan baz\u0131lar\u0131 \u015f\u00f6yle:<\/p>\n

PARA T\u00dcMLETME 10 TL<\/strong><\/p>\n

* TL para bozdurma ya da t\u00fcmletme 10 TL,mektup yazd\u0131rma 15 TL,<\/p>\n

* Gi\u015feden fatura \u00f6deme 1 ila 8 TL, kredi kart\u0131 \u00fccreti 0 ila 150 TL, gecikme bildirimi 2 TL.<\/p>\n

* Otomatik kredi kart\u0131 \u00f6deme 30 kuru\u015f ila 1 TL, hesap i\u015fletim \u00fccreti 4 ila 15 TL<\/p>\n

* Kredide vade de\u011fi\u015fikli\u011fi i\u015fletim\u00fccreti 500 TL, ihtiya\u00e7 kredisi esnek \u00f6deme sistemine ge\u00e7me 25 TL, Hesap bak\u0131m\u0131 1.5 TL<\/p>\n

* \u00d6demesiz d\u00f6nemopsiyon koruyucu 50 TL, istihbarat \u00fccreti 10 TL,<\/p>\n

* Vadesiz hesap a\u00e7ma 5,5 TL, hesap bak\u0131m\u00fccreti 1.5 TL, s\u0131f\u0131r bakiyeli hesap a\u00e7ma 10 TL, \u015fube ekran\u0131ndan ekstre yazd\u0131rma 1.5 TL.<\/p>\n

MASRAFLARI A\u00c7IKLAMAK ZORUNLU<\/strong><\/p>\n

BDDK, 6 Ocak 2011 tarihinde yay\u0131nlad\u0131\u011f\u0131 genelgeyle bankalar\u0131n gelen \u00fccret ve komisyon tarifelerini sitesinden yay\u0131nlama karar\u0131 ald\u0131. BDDK’n\u0131n yay\u0131nlad\u0131\u011f\u0131 liste i\u00e7erisinde; para aktarma, bireysel krediler, kredi kartlar\u0131 ve banka kartlar\u0131, mevduat hesaplar\u0131, ATM kullan\u0131m\u0131, kiral\u0131k kasa \u00fccretleri, menkul k\u0131ymet i\u015flemleri, \u00e7ekler ve senetler ile di\u011fer i\u015flemler kar\u015f\u0131l\u0131\u011f\u0131 tahsil ettikleri masraf, \u00fccret, komisyon gibi her t\u00fcrl\u00fc faiz d\u0131\u015f\u0131 unsur ve yasal kesintinin yan\u0131 s\u0131ra baz\u0131 bankac\u0131l\u0131k \u00fcr\u00fcnleri i\u00e7in uygulanan \u00f6zel faiz oranlar\u0131 bilgileri yer al\u0131yor.<\/p>\n

Kaynak : VATAN Gazetesi<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\n

Faiz gelirleri azalan bankalar, m\u00fc\u015fterilerine verdikleri her hizmeti ayr\u0131 \u00fccretlendirmeye ba\u015flad\u0131.<\/p>\n

Art\u0131k para bozduran ve gi\u015feden dekont isteyen m\u00fc\u015fteriden bile para al\u0131n\u0131yor. Bankalar\u0131n havale, EFT ve komisyon ba\u015fta olmak \u00fczere vatanda\u015fa sunduklar\u0131 hizmetlerin kar\u015f\u0131l\u0131\u011f\u0131nda talep ettikleri birbirinden ilgin\u00e7 \u00fccretler “Deli Dumrul” vergilerine d\u00f6n\u00fc\u015ft\u00fc. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-32299","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/32299","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32299"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/32299\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32299"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32299"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}