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Bireysel Emeklilik Sistemi (BES) ile ilgili olarak yeni bir de\u011fi\u015fiklik haz\u0131rl\u0131\u011f\u0131 var. \u015eu an iste\u011fe ba\u011fl\u0131 olarak girilen sisteme, bundan sonra \u00e7al\u0131\u015fanlar\u0131n zorunlu olarak kat\u0131l\u0131m\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n
1 –\u00a0Neden zorunlu BES?\u00a0<\/strong>Ad\u0131ndan da anla\u015f\u0131laca\u011f\u0131 \u00fczere zorunlu BES uygulamas\u0131, ki\u015filerin iste\u011fine b\u0131rak\u0131lmaks\u0131z\u0131n, BES\u2019e prim \u00f6demeyi mecburi hale getiriyor. Yap\u0131lacak d\u00fczenlemenin birka\u00e7 amac\u0131 bulunuyor; Yetersiz i\u00e7 tasarruf miktar\u0131n\u0131 art\u0131rmak, bankalar i\u00e7in yeni bir kazan\u00e7 kalemi olu\u015fturmak, kamu emekli ayl\u0131klar\u0131 y\u0131ldan y\u0131la eridi\u011fi i\u00e7in, emeklilikte ilave bir gelir kalemi olu\u015fturmak. Bu ama\u00e7lar\u0131n ne \u00f6l\u00e7\u00fcde ger\u00e7ekle\u015fece\u011fi, d\u00fczenlemenin son \u015feklini almas\u0131yla biraz daha netle\u015fmi\u015f olacak.<\/span><\/p>\n 2 – Kimler zorunlu BES\u2019lenecek?<\/strong>\u00a0Bireysel Emeklilik Sistemine prim \u00f6deme, kamu \u00e7al\u0131\u015fanlar\u0131 d\u0131\u015f\u0131ndaki t\u00fcm \u00f6zel sekt\u00f6r \u00e7al\u0131\u015fanlar\u0131 i\u00e7in zorunlu olacak. Fakat tasla\u011fa g\u00f6re 45 ya\u015f \u00fcst\u00fc \u00e7al\u0131\u015fanlar ile 50\u2019den az i\u015f\u00e7i \u00e7al\u0131\u015ft\u0131ran i\u015f yerlerinde \u00e7al\u0131\u015fanlar zorunlu BES d\u0131\u015f\u0131nda tutulacak.<\/span> Dolay\u0131s\u0131yla 45 ya\u015f\u0131ndan k\u00fc\u00e7\u00fck olup, 50\u2019den fazla \u00e7al\u0131\u015fan\u0131 olan i\u015fyerlerinde \u00e7al\u0131\u015fanlar\u0131n tamam\u0131 zorunlu BES\u2019e dahil olacak. Bu kapsama girenlerden belirli bir s\u00fcre \u00fccretinden BES primi kesilecek.<\/p>\n 3- Ne kadar \u00f6deme yap\u0131lacak?<\/strong>\u00a0Zorunlu olarak BES\u2019e giri\u015fi yap\u0131lan sistemde prim i\u015f\u00e7iden kesilecek. Kesilecek prim ayl\u0131k 50 veya 100 lira telaffuz edildi ancak prime esas \u00fccretin y\u00fczde 3\u2019\u00fc olacak, bu oran Bakanlar Kurulu karar\u0131 ile de\u011fi\u015ftirilebilecek. Bu da asgari \u00fccretli i\u00e7in 49 lira demek. \u00dccreti daha y\u00fcksek olandan daha fazla kesilecek.<\/p>\n 4-\u00a0\u0130\u015fveren prim \u00f6deyecek mi?\u00a0<\/strong>Hay\u0131r, mevcut tasla\u011fa g\u00f6re i\u015fverenler zorunlu BES\u2019e prim \u00f6demeyecek. Prim kesintisi sadece i\u015f\u00e7inin \u00fccretinden yap\u0131lacak.<\/p>\n 5-\u00a0Devlet katk\u0131s\u0131 olacak m\u0131?\u00a0<\/strong>\u015eu an iste\u011fe ba\u011fl\u0131 BES\u2019te y\u00fczde 25 devlet katk\u0131s\u0131 var. Zorunlu BES\u2019te de yine devlet katk\u0131s\u0131 olacak. Devlet ilk girenlere bir kereye mahsus olmak \u00fczere bin lira da katk\u0131 verecek.<\/p>\n Sistemden 3 y\u0131lda \u00e7\u0131k\u0131l\u0131rsa kesinlikle devlet katk\u0131s\u0131 al\u0131nam\u0131yor. 3 ila 6 y\u0131l aras\u0131nda \u00e7\u0131kanlar devlet katk\u0131s\u0131ndaki birikimlerinin y\u00fczde 15\u2019ini, 6 ila 10 y\u0131l aras\u0131nda \u00e7\u0131kanlar y\u00fczde 35\u2019ini, 10 y\u0131l\u0131 tamamlayanlar y\u00fczde 60\u2019\u0131n\u0131 al\u0131yor.<\/p>\n 6- \u00c7\u0131kmak m\u00fcmk\u00fcn m\u00fc?\u00a0<\/strong>Bireysel emeklili\u011fin zorunlu olmas\u0131, ya\u015f ve i\u015f yeri a\u00e7\u0131s\u0131ndan kapsama giren herkesin zorunlu olarak sisteme kat\u0131lmas\u0131 anlam\u0131na geliyor. Ancak \u00f6nce 6 ay kat\u0131l\u0131mla \u00e7\u0131k\u0131\u015f hakk\u0131 tan\u0131nan sistemde sonra cayma hakk\u0131 iki ay ile s\u0131n\u0131rland\u0131r\u0131ld\u0131. Yani kat\u0131l\u0131mc\u0131 iki ay sonra sistemden isterse \u00e7\u0131kacak ancak bin liral\u0131k devlet katk\u0131s\u0131n\u0131 ve di\u011fer katk\u0131lar\u0131 alamayacak.<\/p>\n 7- Ne zaman ba\u015flayacak?\u00a0<\/strong>Zorunlu BES\u2019le ilgili taslak \u015fu an ilgili taraflar\u0131n g\u00f6r\u00fc\u015f\u00fcne sunulmu\u015f durumda. Ancak sonradan \u00f6\u011frenildik ki, sendikalar g\u00f6r\u00fc\u015flerini sosyal medyadan duyurdu\u011fu gerek\u00e7esiyle h\u00fck\u00fcmet sendikalar\u0131 dinlemedi. Uygulaman\u0131n 1 Ocak 2017\u2019de ba\u015flamas\u0131 planlan\u0131yor.<\/p>\n 8- \u00c7al\u0131\u015fana ne sa\u011flayacak?<\/strong>\u00a0Zorunlu BES uygulamas\u0131na \u00e7al\u0131\u015fanlar\u0131n nas\u0131l bakaca\u011f\u0131 merak konusu. Zorunlu BES kesintilerinin i\u015fveren yerine sadece i\u015f\u00e7iden kesilecek olmas\u0131 en \u00f6nemli sorun. Kesintiyle birlikte net \u00fccretlerde d\u00fc\u015f\u00fc\u015f ya\u015fanacak olmas\u0131 da ayr\u0131 bir problem.<\/p>\n 9-\u00a0\u0130\u015fverende \u201c50 \u00e7al\u0131\u015fan\u201d fobisi olu\u015fur mu?<\/strong>\u00a0Di\u011fer taraftan, zorunlu BES uygulamas\u0131n\u0131n 50 ve \u00fczeri i\u015f\u00e7i \u00e7al\u0131\u015ft\u0131ran i\u015fyerlerinde uygulanacak olmas\u0131, belirli i\u015fverenlerde, \u00e7al\u0131\u015fan say\u0131s\u0131n\u0131 49\u2019da tutma g\u00fcd\u00fcs\u00fc olu\u015fturabilir. Nitekim 50 ve \u00fczeri i\u015f\u00e7i \u00e7al\u0131\u015ft\u0131ran i\u015fyerlerinde engelli personel \u00e7al\u0131\u015ft\u0131rma zorunlulu\u011fu bile i\u015fverenlerde diren\u00e7 olu\u015fturabilmektedir. Dolay\u0131s\u0131yla d\u00fczenlemenin i\u015fg\u00fcc\u00fc piyasas\u0131 ve istihdama etkileri a\u00e7\u0131s\u0131ndan da de\u011ferlendirilmesi yerinde olacakt\u0131r.<\/p>\n 10- Maa\u015f verilecek mi?\u00a0<\/strong>Zorunlu Bireysel Emeklilik Sisteminde \u00f6dedi\u011finiz primlerin kar\u015f\u0131l\u0131\u011f\u0131 olarak ileride taksitler halinde geri \u00f6deme veya tek seferde toplu \u00f6deme yap\u0131lacak. Fakat bunun i\u00e7in belirli bir s\u00fcreyi ve ya\u015f\u0131 doldurmak gerekiyor. \u015eu an en az 10 y\u0131l prim \u00f6demek ve 56 ya\u015f\u0131 doldurmak suretiyle BES\u2019ten emekli olunabiliyor. Fakat zorunlu BES uygulamas\u0131nda bu parametrelerde esneme olup olmayaca\u011f\u0131 d\u00fczenlemenin son halinde netle\u015fmi\u015f olacak.<\/p>\n Bu arada BES\u2019ten al\u0131nan emekli maa\u015f\u0131n\u0131 kamu emekli ayl\u0131\u011f\u0131 ile kar\u0131\u015ft\u0131rmamakta fayda var. Kamu emekli ayl\u0131\u011f\u0131 \u00f6m\u00fcr boyu verilirken BES ayl\u0131\u011f\u0131 belirli s\u00fcre verilir. <\/span>Ayr\u0131ca kamu emekli ayl\u0131\u011f\u0131 ki\u015finin vefat\u0131 halinde e\u015f ve \u00e7ocuklara kal\u0131rken, BES\u2019te sadece \u00f6denmeyen k\u0131s\u0131m varislere verilir.<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":" Bireysel emeklilikte iste\u011fe ba\u011fl\u0131 sistemden zorunlu kat\u0131l\u0131ma ge\u00e7iliyor Bireysel Emeklilik Sistemi (BES) ile ilgili olarak yeni bir de\u011fi\u015fiklik haz\u0131rl\u0131\u011f\u0131 var. \u015eu an iste\u011fe ba\u011fl\u0131 olarak girilen sisteme, bundan sonra \u00e7al\u0131\u015fanlar\u0131n zorunlu olarak kat\u0131l\u0131m\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. 1 –\u00a0Neden zorunlu BES?\u00a0Ad\u0131ndan da anla\u015f\u0131laca\u011f\u0131 \u00fczere zorunlu BES uygulamas\u0131, ki\u015filerin iste\u011fine b\u0131rak\u0131lmaks\u0131z\u0131n, BES\u2019e prim \u00f6demeyi mecburi hale getiriyor. Yap\u0131lacak d\u00fczenlemenin […]<\/p>\n","protected":false},"author":4,"featured_media":1588,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-1865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-edevlet"],"_links":{"self":[{"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/posts\/1865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/comments?post=1865"}],"version-history":[{"count":4,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/posts\/1865\/revisions"}],"predecessor-version":[{"id":1869,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/posts\/1865\/revisions\/1869"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/media\/1588"}],"wp:attachment":[{"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/media?parent=1865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/categories?post=1865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ozgurguler.net\/blog\/wp-json\/wp\/v2\/tags?post=1865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}