\n\nEvlilik hayali kuranlara devlet kolayl\u0131k sa\u011flamaya devam ediyor. Aile ve Sosyal Politikalar Bakanl\u0131\u011f\u0131’nca ailelerin ev sahibi olabilmesi i\u00e7in May\u0131s 2016’da ba\u015flat\u0131lan ‘Konut Hesab\u0131 ve Devlet Katk\u0131s\u0131’ uygulamas\u0131, yap\u0131lan son d\u00fczenlemeyle daha da cazip hale geliyor.
AYRI AYRI YARARLANILIYOR
Konut alacak gen\u00e7lere devlet katk\u0131s\u0131nda \u00fcst limit 25 bin liraya \u00e7\u0131kar\u0131ld\u0131. B\u00f6ylece 5 y\u0131l boyunca 80 bin lira biriktiren ev al\u0131rken, devlet de 25 bin lira kar\u015f\u0131l\u0131ks\u0131z para verecek. S\u00f6z konusu d\u00fczenlemeden \u00e7iftler ayr\u0131 ayr\u0131 faydalanarak, 25’er bin lira alabilecek. ‘Konut Hesab\u0131 ve Devlet Katk\u0131s\u0131’ uygulamas\u0131nda sistemde en az 3 y\u0131l kalma \u015fart\u0131 bulunuyor.
Y\u00dcZDE 25 DESTEK
Eski y\u00f6netmelikte 3 y\u0131l kalanlar yat\u0131rd\u0131\u011f\u0131 paran\u0131n y\u00fczde 15’ini, 4 y\u0131l kalanlar y\u00fczde 18’ini ve 5 y\u0131l kalan da y\u00fczde 20’sini alabiliyordu. Yeni d\u00fczenlemeyle, 5 y\u0131l ve daha uzun s\u00fcre kalanlara en fazla y\u00fczde 25’i kadar destek sa\u011flanacak.
9 B\u0130N 279 L\u0130RAYA \u00c7IKTI
\u00c7eyiz deste\u011fi de 7 bin 500 liradan 9 bin 279 liraya \u00e7\u0131kar\u0131ld\u0131. \u00c7iftler bundan ayr\u0131 ayr\u0131 yararlan\u0131p tutar\u0131 ikiye katlayabilecek. B\u00f6ylece toplamda 68 bin lira devlet deste\u011fi elde edilebilecek.
BA\u015eVURURKEN BUNLARA D\u0130KKAT
Banka hesab\u0131n\u0131n 24 ya\u015f\u0131n\u0131 doldurmadan a\u00e7\u0131lmas\u0131 gerekiyor. \u00d6demelerin 3 defadan fazla aksat\u0131lmamas\u0131 \u015fart. Devlet katk\u0131s\u0131 hesab\u0131nda, birikim esas al\u0131n\u0131yor. Devlet katk\u0131s\u0131 alabilmek i\u00e7in evlilik tarihinden itibaren 6 ay i\u00e7inde belgelerle bankaya ba\u015fvurmak gerekiyor.
– \u00c7eyiz hesab\u0131nda ayl\u0131k \u00f6deme alt s\u0131n\u0131r\u0131 155, \u00fcst s\u0131n\u0131r 1.552 lira.
– Konut hesab\u0131nda ayl\u0131k \u00f6deme alt s\u0131n\u0131r\u0131 388, \u00fcst s\u0131n\u0131r 3 bin 881 lira.
– Konutta kat\u0131l\u0131mc\u0131, hesab\u0131n a\u00e7\u0131l\u0131\u015f tarihinde azami 46 bin 579 lira 23 kuru\u015f yat\u0131rabilecek.
YET\u0130ME 24 MAA\u015eLIK \u00c7EY\u0130Z DESTE\u011e\u0130
Vefat eden sigortal\u0131lar\u0131n ailelerini koruyan bir\u00e7ok d\u00fczenleme mevcut. Bunlardan en \u00f6nemlisi \u00f6l\u00fcm ve yetim maa\u015f\u0131. Bu \u00f6demeleri alan e\u015f ve k\u0131z \u00e7ocuklar\u0131 i\u00e7in ayr\u0131ca evlenme \u00f6dene\u011fi de bulunuyor.
NASIL HESAPLANIR?
\u00c7eyiz paras\u0131 hesaplan\u0131rken, k\u0131z \u00e7ocu\u011funa \u00f6denen \u00f6l\u00fcm ayl\u0131\u011f\u0131n\u0131n ek \u00f6demeler hari\u00e7 tutar\u0131 dikkate al\u0131n\u0131r. Dolay\u0131s\u0131yla \u00f6l\u00fcm ayl\u0131\u011f\u0131n\u0131n 2 y\u0131ll\u0131k tutar\u0131 hesaplan\u0131rken ek \u00f6deme niteli\u011findeki tutar hari\u00e7 olmak \u00fczere, ayl\u0131\u011f\u0131n 2 y\u0131ll\u0131k tutar\u0131 k\u0131z \u00e7ocu\u011funa \u00f6denir. Bu detay bilinmedi\u011fi i\u00e7in \u00e7o\u011fu kez \u00e7eyiz paras\u0131n\u0131n eksik \u00f6dendi\u011fi d\u00fc\u015f\u00fcn\u00fcl\u00fcr, ancak ek \u00f6deme niteli\u011findeki tutarlar hesapta dikkate al\u0131nmaz.
ZAMAN A\u015eIMI VAR MI?
\u00c7eyiz paras\u0131n\u0131n talep edilmesi i\u00e7in 5 y\u0131ll\u0131k hak d\u00fc\u015f\u00fcr\u00fcc\u00fc s\u00fcre s\u00f6z konusu. Y\u00f6netmeli\u011fe g\u00f6re, evlendikten sonra 5 y\u0131l i\u00e7inde \u00e7eyiz paras\u0131n\u0131 talep etmeyen k\u0131z \u00e7ocu\u011fu, bir daha talep edemiyor. Yani, 1 Ocak 2019\u2019da evlenen k\u0131z \u00e7ocu\u011fu, 1 Ocak 2024\u2019e kadar talep dilek\u00e7esini SGK\u2019ya vermezse hakk\u0131 yanar.
K\u0130MLER FAYDALANAB\u0130L\u0130R
Anne veya babas\u0131ndan dolay\u0131 \u00f6l\u00fcm ayl\u0131\u011f\u0131 alan k\u0131z \u00e7ocuklar\u0131n\u0131n ayl\u0131klar\u0131, erkek \u00e7ocuklardaki gibi belirli bir ya\u015fa gelince kesilmiyor. Bu ki\u015filer, evlendi\u011fi tarihte yaz\u0131l\u0131 olarak talep ederse \u00f6l\u00fcm ayl\u0131\u011f\u0131n\u0131n 2 y\u0131ll\u0131k tutar\u0131, \u00e7eyiz paras\u0131 olarak kendisine \u00f6denir. Bu noktada \u00f6nemli olan, SGK\u2019dan yaz\u0131l\u0131 olarak \u00e7eyiz paras\u0131n\u0131n talep edilmesidir. K\u0131z \u00e7ocu\u011fu yaz\u0131l\u0131 olarak talep etmezse SGK otomatik olarak \u00e7eyiz paras\u0131 vermiyor.
DUL E\u015eE DE \u00d6DEN\u0130R M\u0130?
\u00c7eyiz paras\u0131, yaln\u0131zca \u00f6l\u00fcm ayl\u0131\u011f\u0131 almakta olan k\u0131z \u00e7ocuklar\u0131na \u00f6denir. Vefat eden e\u015finden dolay\u0131 ayl\u0131k alan, dul e\u015fin yeniden evlenmesi halinde, kendisine \u00e7eyiz paras\u0131 \u00f6denmez. Dolay\u0131s\u0131yla dul ayl\u0131\u011f\u0131 alan ki\u015filer, evlendiklerinde ayl\u0131klar\u0131 kesilir ve \u00e7eyiz paras\u0131 alamazlar.
YARDIM KA\u00c7 L\u0130RA
K\u0131z \u00e7ocuklar\u0131na \u00f6denen \u00e7eyiz paras\u0131n\u0131n miktar\u0131, kendilerine \u00f6denen \u00f6l\u00fcm ayl\u0131\u011f\u0131n\u0131n 2 y\u0131ll\u0131k tutar\u0131 kadard\u0131r. \u00d6rne\u011fin 500 TL \u00f6l\u00fcm ayl\u0131\u011f\u0131 alan k\u0131z \u00e7ocu\u011funa, \u00f6l\u00fcm ayl\u0131\u011f\u0131n\u0131n 2 y\u0131ll\u0131k tutar\u0131 olan 12 bin TL \u00e7eyiz paras\u0131 \u00f6denir. \u00c7eyiz paras\u0131, evlendi\u011fi i\u00e7in ayl\u0131\u011f\u0131 kesilen k\u0131z \u00e7ocu\u011funa pe\u015fin olarak \u00f6denir. Bu parayla evlilik s\u00fcrecindeki masraflar\u0131n kar\u015f\u0131lanmas\u0131 hedeflenir. \n\n<\/p>\n\n\n\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Devlet evleneceklere bir\u00e7ok destek sa\u011fl\u0131yor. \u00c7eyiz ve konut hesab\u0131nda birikim yapan \u00e7iftler, 68 bin liral\u0131k hibeden faydalanabiliyor. Anne veya babas\u0131n\u0131n vefat\u0131 nedeniyle \u00f6l\u00fcm ayl\u0131\u011f\u0131 alan kad\u0131nlara da yetim maa\u015f\u0131n\u0131n 2 y\u0131ll\u0131k tutar\u0131 kadar ‘\u00e7eyiz paras\u0131\u2019 \u00f6deniyor. Evlilik hayali kuranlara devlet kolayl\u0131k sa\u011flamaya devam ediyor. Aile ve Sosyal Politikalar Bakanl\u0131\u011f\u0131’nca ailelerin ev sahibi olabilmesi i\u00e7in May\u0131s […]<\/p>\n","protected":false},"author":3,"featured_media":9427,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,16,17,18,19,2,1],"tags":[],"class_list":["post-9426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avrupa","category-belcika","category-ekonomi","category-kultur-sanat","category-tanitim","category-turkiye","category-uncategorized"],"yoast_head":"\n