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Ortak Hesap Nedir? Ortak hesab\u0131n net olarak kelime kar\u015f\u0131l\u0131\u011f\u0131n\u0131 tan\u0131mlayacak olursak iki ya da daha fazla ki\u015finin ya da kurulu\u015fun tek bir banka hesab\u0131n\u0131 kullanmas\u0131d\u0131r. Ortak hesab\u0131 genellikle evli \u00e7iftler, \u015firket sahibi ortaklar kullanmaktad\u0131r. Durum b\u00f6yle olunca banka ortak olan b\u00fct\u00fcn m\u00fc\u015fterilerinin haklar\u0131n\u0131 korumak ad\u0131na baz\u0131 s\u0131n\u0131rlar \u00e7izmi\u015f ve kurallar koymu\u015ftur. \u00c7izilen bu s\u0131n\u0131rlar ve kurallar dahilinde ortak hesab\u0131 kullanmak \u015fahsi hesab\u0131 kullanmaya nazaran daha \u00e7ok b\u00fcrokrasi gerektirmektedir. Peki ortak hesap kullan\u0131c\u0131lar\u0131 nelerle kar\u015f\u0131lacaklard\u0131r?<\/p>\n

\u00d6ncelikle ortak hesap olu\u015fturmak i\u00e7in hesap a\u00e7aca\u011f\u0131n\u0131z bankada daha \u00f6ncesinde \u015fahsi bir hesab\u0131n\u0131z\u0131n olmas\u0131 gerekmektedir. Hesab\u0131n\u0131z olan bankaya gidip ortak hesap a\u00e7mak istedi\u011finizi belirtmeniz gerekmektedir. Hatta ortak hesap a\u00e7mak istedi\u011finizi belirtmeye giderken yan\u0131n\u0131zda hesaba ortak olacak ki\u015finin de bulunmas\u0131 sizin i\u00e7in i\u015fleri daha da h\u0131zl\u0131 k\u0131lar.\u00c7\u00fcnk\u00fc b\u00f6ylece hesab\u0131n\u0131za ortak olacak ki\u015fi getirmesi gereken gerekli belgeleri \u00f6\u011frenir. Ard\u0131ndan ortak olacak ki\u015fi gerekli belgeleri getirmesiyle bankada ortak hesap a\u00e7\u0131lm\u0131\u015f olacakt\u0131r.<\/p>\n

Ortak hesapta bilinmesi gereken durum hesaba ortak olacak ki\u015finin vergi vermesi gerekti\u011fidir.E\u011fer ortak olan ki\u015fi hesap sahibinin e\u015fi ya da birinci dereceden akrabas\u0131 ise \u00f6deyece\u011fi vergi oran\u0131 %5 ila %15 aras\u0131nda bir miktarken, akraba olmayan hesap ortaklar\u0131n\u0131n \u00f6deyece\u011fi vergi oran\u0131 ise %10 ila %30 aras\u0131nda bir miktar olarak de\u011fi\u015fiklik g\u00f6stermektedir.<\/p>\n

Ortak hesap a\u00e7\u0131ld\u0131\u011f\u0131 takdirde m\u00fc\u015fterilerin hesaba ne kadar miktarlarda para yat\u0131rd\u0131\u011f\u0131na bak\u0131lmaks\u0131z\u0131n hesaptaki banka otomatik olarak ki\u015fi say\u0131s\u0131na g\u00f6re e\u015fit par\u00e7alara b\u00f6l\u00fcn\u00fcr. \u00d6rne\u011fin siz her ay ortak hesaba 10 bin tl yat\u0131r\u0131yorsunuz ama orta\u011f\u0131n\u0131z 5 bin tl yat\u0131r\u0131yor ise banka buna bakmaks\u0131n\u0131z bankadaki 15 bin tl yi direk olarak ikiye b\u00f6ler ve her bir orta\u011fa 7,5 bin tl \u015feklinde para miktar\u0131 sunar.<\/p>\n","protected":false},"excerpt":{"rendered":"