\u00c7eyiz Hesab\u0131 A\u00e7an Bankalar 2017-Devlet gen\u00e7 ya\u015fta birikimi te\u015fvik etmek amac\u0131yla ve evlenecek olan ki\u015filere birikim yaparak d\u00fc\u011f\u00fcn masraflar\u0131n\u0131 kar\u015f\u0131lamalar\u0131 i\u00e7in devlet destekli \u00e7eyiz hesab\u0131n\u0131 y\u00fcr\u00fcrl\u00fc\u011fe girdi. \u00c7eyiz hesab\u0131 uygulamas\u0131 18.04.2016 tarihinden itibaren y\u00fcr\u00fcrl\u00fc\u011fe girdi. \u00c7eyiz hesab\u0131<\/strong> bankalarda (\u00c7eyiz hesab\u0131) olarak a\u00e7\u0131lacak en az 3 y\u0131l\u0131 birikim yapan vatanda\u015flara devlet katk\u0131s\u0131 verecektir. \u00a0Devlet katk\u0131s\u0131 oranlar\u0131 a\u015fa\u011f\u0131da verilmi\u015ftir.<\/p>\n

\u00c7eyiz hesab\u0131 a\u00e7\u0131ld\u0131\u011f\u0131ndan 27 ya\u015ftan \u00f6nce evlenmesi gerekmektedir. Yani 18 ya\u015ftan itibaren b\u00f6yle bir hesap a\u00e7\u0131lmas\u0131 ve 27 ya\u015f\u0131nda evlenmesi durumunda devlet katk\u0131s\u0131 verilmektedir. \u00a0Devlet katk\u0131s\u0131 hesaplama<\/strong> i\u015flemi anapara \u00fczerinden yap\u0131lacakt\u0131r.<\/p>\n

\u00c7eyiz Hesab\u0131 Devlet Katk\u0131 Pay\u0131 Ne Kadar<\/h2>\n

 <\/p>\n

Devlet katk\u0131 pay\u0131 asl\u0131nda %20 denilmesine ra\u011fmen asl\u0131nda en \u00fcst limit %20 oran\u0131ndad\u0131r. Devlet katk\u0131 pay\u0131 hesapta kalma s\u00fcrenize ve hesapta bulunan para miktar\u0131na g\u00f6re de\u011fi\u015fmektedir. A\u015fa\u011f\u0131da ki tabloda b\u00fct\u00fcn ayr\u0131nt\u0131lar\u0131 ile devlet katk\u0131 pay\u0131 oranlar\u0131 ve miktarlar\u0131 verilmi\u015ftir.<\/p>\n\n\n\n\n\n\n\n\n

Birikim S\u00fcresi<\/strong><\/td>\n	Devlet Katk\u0131s\u0131<\/strong><\/td>\n	Max \u00d6deme Tutar\u0131<\/strong><\/td>\n<\/tr>\n<\/thead>\n
36 aydan az<\/td>\n	\u00d6denmez<\/td>\n	\u00d6denmez<\/td>\n<\/tr>\n
36-47 ay<\/td>\n	Birikim Tutar\u0131 *%10<\/td>\n	4.232.20 TL<\/td>\n<\/tr>\n
48-59 ay<\/td>\n	Birikim Tutar\u0131 *%15<\/td>\n	4.751.10 TL<\/td>\n<\/tr>\n
60 ay ve \u00fczeri<\/td>\n	Birikim Tutar\u0131 *%20<\/td>\n	5.279 TL<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n  <\/p>\n \u00c7eyiz Hesab\u0131 A\u00e7ma \u015eartlar\u0131<\/h2>\n \u00d6ncelikle \u00e7eyiz hesab\u0131 a\u00e7man\u0131z i\u00e7in 24 ya\u015f\u0131n\u0131z\u0131 doldurmam\u0131\u015f olman\u0131z ve daha \u00f6nce hi\u00e7bir evlilik yapm\u0131\u015f olman\u0131z gerekmektedir.\u00a0 Evlilik tarihinden \u00f6nce yani 24 ya\u015f\u0131ndan \u00f6nce 3 y\u0131l olarak d\u00fczenli \u00f6deme yapman\u0131z gerekmekte \u00c7eyiz hesab\u0131nda, Burada ki 24 ya\u015f asl\u0131nda en \u00fcst s\u0131n\u0131r olan 27 ya\u015f \u00f6ncesinden \u00f6nceki 3 y\u0131ld\u0131r. E\u011fer \u00e7eyiz hesab\u0131nda 3 y\u0131l kalmayacak iseniz devlet katk\u0131s\u0131 olan devlet katk\u0131 oran\u0131n\u0131 alamazs\u0131n\u0131z.<\/p>\n Devlet katk\u0131s\u0131nda ki alt\/\u00fcst limitileri\u00a0 her y\u0131l devlet taraf\u0131ndan belirlenecek, ve devlet katk\u0131s\u0131 toplam birikimin %20\u2019sinden fazla olmayacakt\u0131r. \u00a0Hesaplarda devlet katk\u0131s\u0131 olaca\u011f\u0131ndan, her bir ki\u015fi sadece 2 hesap a\u00e7abilecektir.<\/p>\n Ayr\u0131ca y\u0131ll\u0131k olarak asgari \u00f6deme tutar\u0131n\u0131z\u0131 ge\u00e7memek kayd\u0131yla 2 defa nakit \u00e7ekimi yapabilirsiniz.<\/p>\n \u00c7eyiz Hesab\u0131n\u0131 Kimler A\u00e7abilir<\/h2>\n \u00c7eyiz hesab\u0131nda kad\u0131n erkek ayr\u0131m\u0131 yap\u0131lmam\u0131\u015f olup T.C vatanda\u015f\u0131 olan herkes \u015fartlar\u0131 kar\u015f\u0131lamalar\u0131 durumunda hesap a\u00e7abilir, Hesaplarda ki asgari ve en \u00fcst limit s\u0131n\u0131r\u0131n\u0131 devlet y\u0131ll\u0131k olarak \u00e7ekecektir. %20 Devlet katk\u0131s\u0131 sadece 27 ya\u015f\u0131n\u0131 doldurmadan evlenenler yararlan\u0131r. E\u011fer \u00e7eyiz hesab\u0131 bulunuyor fakat 27 ya\u015f\u0131nda evlenmezse birikiminiz size kal\u0131r, ancak devlet katk\u0131s\u0131 verilmeyecektir.<\/p>\n \u00c7eyiz hesab\u0131 bireysel emeklilik hesab\u0131 gibi paran\u0131z bankalarda fonlarla \u00e7al\u0131\u015ft\u0131r\u0131lmaktad\u0131r.<\/p>\n \u00c7eyiz Hesab\u0131 A\u00e7an Bankalar<\/h2>\n  <\/p>\n Ziraat Bankas\u0131 \u00c7eyiz Hesab\u0131 A\u00e7ma<\/h3>\n  <\/p>\n Ziraat Bankas\u0131<\/a> devlet bankas\u0131 olup T\u00fcrkiye\u2019nin en b\u00fcy\u00fck bankalar\u0131ndan biridir. \u00c7eyiz hesab\u0131 uygulamas\u0131na ge\u00e7en ilk bankalardand\u0131r. E\u011fer yukar\u0131da ki \u015fartlar\u0131 kar\u015f\u0131l\u0131yorsan\u0131z Herhangi bir Ziraat Bankas\u0131 \u015eubesine giderek hesab\u0131n\u0131z\u0131 a\u00e7t\u0131rabilirsiniz.<\/p>\n Denizbank \u00c7eyiz Hesab\u0131 A\u00e7ma<\/h3>\n  <\/p>\n Denizbank \u00e7eyiz hesab\u0131 a\u00e7t\u0131rarak %20 devlet katk\u0131s\u0131n\u0131n yan\u0131nda %12.50 faiz oran\u0131 avantaj\u0131 da sa\u011flamaktad\u0131r.\u00a0 Yani anaparan\u0131z \u00fczerinden %20 devlet katk\u0131s\u0131n\u0131n yan\u0131nda hesap kapatman\u0131zda %12.5 faiz oran\u0131yla banka size veriyor. \u00a0Ayl\u0131k ve 3 ayl\u0131k d\u00fczenli \u00f6deme se\u00e7eneklerine sahip e\u011fer ayl\u0131k olarak \u00f6deme isterseniz 2016 y\u0131l\u0131 i\u00e7in 105.58-1.055.80 TL, 3 ayl\u0131k se\u00e7erseniz 316.74 -3.167.40 TL aras\u0131nda bir \u00f6deme yapman\u0131z gerekmektedir. Asgari ev en \u00fcst limit her y\u0131l devlet taraf\u0131ndan belirlenecektir.\u00a0 Hesab\u0131n\u0131z\u0131 a\u00e7t\u0131\u011f\u0131n\u0131zda istemeniz halinde bir kereden 15 bin tl \u00f6deme yapabilirsiniz. Denizbank<\/a>\u2019tan \u00c7eyiz hesab\u0131 a\u00e7t\u0131rmak i\u00e7in \u015fubeye gitmeniz gerekmektedir.<\/p>\n Yap\u0131 Kredi bankas\u0131 \u00c7eyiz hesab\u0131 A\u00e7ma<\/h3>\n  <\/p>\n Yap\u0131 kredi<\/a> bankas\u0131 da \u00c7eyiz hesab\u0131 a\u00e7maktad\u0131r. Devlet katk\u0131s\u0131n\u0131n yan\u0131nda y\u0131ll\u0131k olarak %10,90 faiz getirisi de vermektedir. Ancak dikkat etmeniz gereken husus, Devlet katk\u0131s\u0131 kazan\u00e7 \u00fczerinden de\u011fil ana para \u00fczerinden verilecektir.<\/p>\n  <\/p>\n \u00c7eyiz hesab\u0131 a\u00e7arken bankalar faiz getirisi imk\u00e2nlar\u0131 size sunmaktad\u0131r. E\u011fer \u0130slami hassasiyetleriniz varsa Kat\u0131l\u0131m bankalar\u0131ndan \u00e7eyiz hesab\u0131 a\u00e7t\u0131rman\u0131z\u0131 tavsiye ederiz.\u00a0 \u00c7eyiz hesab\u0131 y\u00f6netmeli\u011fi y\u00fcr\u00fcrl\u00fc\u011fe girdikten sonra b\u00fcr\u00fcn bankalar \u00e7eyiz hesab\u0131 a\u00e7t\u0131rmaktad\u0131r. Siz \u00e7eyiz hesab\u0131 a\u00e7t\u0131r\u0131rken en fazla kazanaca\u011f\u0131n\u0131z bankaya se\u00e7meniz gerekiyor. Onun i\u00e7in bankalar\u0131 \u00e7ok iyi ara\u015ft\u0131rmal\u0131s\u0131n\u0131z.<\/p>\n \u00c7eyiz hesab\u0131 A\u00e7t\u0131rmak \u00dccretli mi?<\/h3>\n  <\/p>\n \u00c7eyiz hesab\u0131 bir birikim hesab\u0131 oldu\u011fundan ve hesab\u0131n\u0131zda biriktirdi\u011finiz paralar\u0131 bankalar \u00e7al\u0131\u015ft\u0131racaklar\u0131 i\u00e7in \u00e7eyiz hesab\u0131 a\u00e7t\u0131rmak \u00fccretsizdir.<\/p>\n","protected":false},"excerpt":{"rendered":" \u00c7eyiz Hesab\u0131 A\u00e7an Bankalar 2017-Devlet gen\u00e7 ya\u015fta birikimi te\u015fvik etmek amac\u0131yla ve evlenecek olan ki\u015filere birikim yaparak d\u00fc\u011f\u00fcn masraflar\u0131n\u0131 kar\u015f\u0131lamalar\u0131 i\u00e7in devlet destekli \u00e7eyiz hesab\u0131n\u0131 Devam\u0131n\u0131 Okuyun…<\/span><\/a><\/p>\n<\/div>","protected":false},"author":9,"featured_media":2039,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[57,249,93,196],"tags":[496,497],"yoast_head":"\n