{"id":2859,"date":"2023-04-04T21:55:55","date_gmt":"2023-04-04T19:55:55","guid":{"rendered":"https:\/\/vakifbankde.esme-it.at\/?page_id=2859"},"modified":"2023-06-29T07:20:23","modified_gmt":"2023-06-29T05:20:23","slug":"glossar-und-bedingungen","status":"publish","type":"page","link":"https:\/\/vakifbankde.esme-it.at\/tr\/glossar-und-bedingungen\/","title":{"rendered":"Glossar und Bedingungen"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2859\" class=\"elementor elementor-2859\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ed372e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ed372e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70f8d45\" data-id=\"70f8d45\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bad07ed elementor-widget elementor-widget-heading\" data-id=\"bad07ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Vadeli mevduat ve vadesiz para i\u00e7in h\u00fck\u00fcm ve ko\u015fullar<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75d21ea8 elementor-widget elementor-widget-text-editor\" data-id=\"75d21ea8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><!-- wp:heading --><\/p>\n<h3>Hesap a\u00e7\u0131l\u0131\u015flar\u0131<\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Gecelik veya vadeli mevduat hesaplar\u0131 \"bireysel hesap\" veya \"veya hesap\" olarak y\u00f6netilir. Asgari yat\u0131r\u0131m tutar\u0131 her biri i\u00e7in 5.000,00 EUR'dur. \"Ve\" veya \"vasi\" hesaplar\u0131 y\u00f6netilmez. Hesaplar \u015fubelerde veya a\u00e7\u0131l\u0131\u015f belgeleri g\u00f6nderilerek a\u00e7\u0131labilir. Ba\u015fvurunun al\u0131nmas\u0131ndan ve Postident taraf\u0131ndan me\u015frula\u015ft\u0131r\u0131lmas\u0131ndan sonra, m\u00fc\u015fteri yat\u0131r\u0131m tutar\u0131n\u0131n transferi i\u00e7in yaz\u0131l\u0131 olarak bir takas hesab\u0131 alacakt\u0131r. Hesap \u00f6zetleri ciro \u00fczerine d\u00fczenlenir. Hesap y\u00f6netimi \u00fccretsizdir. Vadesi gelen faiz ve anapara \u00f6demeleri sadece m\u00fc\u015fteri referans hesab\u0131na yap\u0131l\u0131r.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Gecelik mevduatlar<\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>\u00d6zel m\u00fc\u015fteriler i\u00e7in yaln\u0131zca gecelik mevduat sunuyoruz. Yat\u0131r\u0131m, paran\u0131n al\u0131nmas\u0131ndan sonra ge\u00e7erli faiz oran\u0131 \u00fczerinden faiz kazan\u0131r. Ek \u00f6demeler her zaman m\u00fcmk\u00fcnd\u00fcr. Nakit para yat\u0131rma i\u015flemleri sadece sermayenin kayna\u011f\u0131n\u0131n kan\u0131tlanmas\u0131 ile m\u00fcmk\u00fcnd\u00fcr. Nakit para \u00e7ekme i\u015flemleri telefonla veya yaz\u0131l\u0131 olarak yap\u0131l\u0131r. \u00c7a\u011fr\u0131lan tutarlar ayn\u0131 g\u00fcn referans hesaba aktar\u0131l\u0131r. Havale veya otomatik \u00f6deme ile \u00f6deme i\u015flemleri m\u00fcmk\u00fcn de\u011fildir. \u00c7a\u011fr\u0131 hesab\u0131na yat\u0131r\u0131lan faiz ile her \u00fc\u00e7 ayda bir faiz ekstreleri haz\u0131rl\u0131yoruz.<\/p>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Vadeli mevduatlar<\/h3>\n<p><!-- \/wp:heading --><!-- wp:list --><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p class=\"bodytext\">Para al\u0131nd\u0131\u011f\u0131nda ve rezerve edildi\u011finde, m\u00fc\u015fteri s\u00f6zle\u015fme verilerini i\u00e7eren bir hesap \u00f6zeti al\u0131r. Vade boyunca ek \u00f6demeler veya para \u00e7ekme i\u015flemleri hari\u00e7 tutulur. Yat\u0131r\u0131m\u0131n faizi kararla\u015ft\u0131r\u0131lan vade i\u00e7in sabittir. BGB \u00a7 314 uyar\u0131nca ola\u011fan\u00fcst\u00fc fesih durumunda, kararla\u015ft\u0131r\u0131lan faiz oran\u0131 yerine halihaz\u0131rda yat\u0131r\u0131m yap\u0131lan vade i\u00e7in minimum 0,01% (ger\u00e7ek ki\u015filer i\u00e7in) ve 0,01% (t\u00fczel ki\u015filer i\u00e7in) faiz oran\u0131 \u00f6denir. ola\u011fan\u00fcst\u00fc fesih sonras\u0131nda yat\u0131r\u0131m tutar\u0131n\u0131n geri \u00f6denmesi \u00fczerine \u00f6nceden \u00f6denmi\u015f sabit faiz d\u00fc\u015f\u00fclebilir.<\/p>\n<p class=\"bodytext\">Faiz tekliflerimizi takas hesab\u0131n\u0131 g\u00f6nderdikten 7 g\u00fcn sonras\u0131na kadar garanti ediyoruz. M\u00fc\u015fteri, s\u00f6zle\u015fmenin sona ermesinden 2 hafta \u00f6nce vade hakk\u0131nda yaz\u0131l\u0131 olarak bilgilendirilecektir. S\u00f6zle\u015fmenin bitiminden 2 g\u00fcn \u00f6ncesine kadar herhangi bir talimat almazsak, nakit yat\u0131r\u0131m ayn\u0131 vade ve o zaman ge\u00e7erli olan faiz oran\u0131 ile uzat\u0131lacakt\u0131r.<\/p>\n<h3>Online Bankac\u0131l\u0131k \/ Faiz \/ Krediler \/ Veri Koruma<\/h3>\n<p>Gecelik ve vadeli mevduat hesaplar\u0131 ONLINE Bankac\u0131l\u0131k \u00fczerinden y\u00f6netilmez; telefonla veya yaz\u0131l\u0131 olarak y\u00f6netilir. Faiz \u00f6demeleri, s\u00f6zle\u015fmenin sona ermesiyle birlikte bir y\u0131la kadar veya yat\u0131r\u0131mlar s\u00f6z konusu oldu\u011funda y\u0131ll\u0131k olarak ve vade ile birlikte de\u011ferlenir. Banka, \u00f6zel bir m\u00fc\u015fteri talimat\u0131 olmaks\u0131z\u0131n faizi referans hesaba \u00f6der. M\u00fc\u015fteri verilerinde, banka bilgilerinde ve muafiyet emrinde de\u011fi\u015fiklikler yaln\u0131zca yaz\u0131l\u0131 olarak yap\u0131labilir. M\u00fc\u015fteri veya hesap verileri hakk\u0131nda telefonla bilgi vermiyoruz. Hesap belgelerinin ve sertifikalar\u0131n kopyalar\u0131 i\u00e7in \u00fccret al\u0131yoruz.<\/p>\n<h3>Yat\u0131r\u0131m geliri \/ muafiyeti<\/h3>\n<p class=\"bodytext\">Sermaye geliri, sermaye kazanc\u0131 vergisi ve dayan\u0131\u015fma ek vergisi ile birlikte sabit bir oranda vergilendirilir. G\u00fcncel:<\/p>\n<p class=\"bodytext\">(25 % \/ 5,5 %) 1 Ocak 2015 tarihinden itibaren kilise vergisi de otomatik olarak kesilecek ve dini cemaat \u00fcyeleri taraf\u0131ndan \u00f6denecektir (daha \u00f6nce ba\u015fvuru \u00fczerine). Faiz gelirleri 1000,00 EUR veya 2000,00 EUR'ya kadar muaf tutulabilir. Tahakkuk etmeyen bir belge mevcutsa, faiz geliri kesinti olmaks\u0131z\u0131n vergiden muaft\u0131r. Y\u0131l sonundan sonra m\u00fc\u015fteri, vergilendirilmi\u015f\/muaf tutulmu\u015f yat\u0131r\u0131m geliri i\u00e7in otomatik olarak y\u0131ll\u0131k vergi sertifikas\u0131\/gelir beyannamesi al\u0131r.<\/p>\n<h3>Emlak Hesaplar\u0131 \/ Vekaletname \/ Vasiyetname<\/h3>\n<p class=\"bodytext\">Bir hesap sahibinin \u00f6l\u00fcm\u00fc, \u00f6l\u00fcm belgesi ibraz edilerek zaman\u0131nda Banka'ya bildirilmelidir.<\/p>\n<p class=\"bodytext\">Banka, kredi bakiyelerini (5.000,00 EUR'dan itibaren) ve kiral\u0131k kasalar\u0131 \u00f6l\u00fcm tarihi itibariyle yetkili veraset vergisi dairesine bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Hesap sahibinin \u00f6l\u00fcm\u00fc \u00fczerine hesaplar \"tereke\" olarak devam eder. Hesaplar i\u00e7in vekaletnameler, ilgili miras kan\u0131t\u0131 sunulana kadar \u00f6l\u00fcmden sonra da ge\u00e7erlidir. Hesab\u0131 devralma ve tasarruf etme hakk\u0131na sahip bir veya daha fazla ki\u015fi, bir a\u00e7\u0131l\u0131\u015f belgesi ile bir vasiyetname veya bir miras\u00e7\u0131l\u0131k belgesi ile kendilerini me\u015frula\u015ft\u0131rmal\u0131d\u0131r. Emanet hesaplar\u0131, tereke hesaplar\u0131 ve miras\u00e7\u0131 topluluklar\u0131 hesaplar\u0131ndaki alacak bakiyeleri tamamen veya k\u0131smen ne devredilebilir ne de rehin verilebilir.<\/p>\n<h3>\u015eartlar ve ko\u015fullar<\/h3>\n<p>M\u00fc\u015fteri bir hesap a\u00e7arak mevcut \"Genel H\u00fck\u00fcm ve Ko\u015fullar\u0131m\u0131z\u0131\" ve \"Gecelik ve Vadeli Mevduatlar i\u00e7in \u00d6zel H\u00fck\u00fcm ve Ko\u015fullar\u0131m\u0131z\u0131\" kabul eder. M\u00fc\u015fteri bu ko\u015fullar\u0131 hesap a\u00e7ma ba\u015fvurusu ile birlikte al\u0131r. Ayr\u0131ca bankada incelenebilir veya m\u00fc\u015fteriye g\u00f6nderilebilir. Yarg\u0131 yeri Frankfurt am Main'dir.<\/p>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<ol><!-- \/wp:list-item --><\/ol>\n<p><!-- \/wp:list --><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Bedingungen f\u00fcr Termin- und Tagesgeld Kontoer\u00f6ffnungen Tages- oder Termingeldkonten f\u00fchren wir als &#8222;Einzel-Konto&#8220; bzw. &#8222;Oder-Konto&#8220;. Die Mindestanlage betr\u00e4gt je EUR 5.000,00 &#8222;Und&#8220;- bzw. &#8222;Betreuer-Konten&#8220; werden nicht gef\u00fchrt. Kontoer\u00f6ffnungen erfolgen in den&nbsp;Gesch\u00e4ftsstellen, oder durch Zusendung der Er\u00f6ffnungsunterlagen. Nach Eingang des Antrags und der Legitimation durch Postident erh\u00e4lt der Kunde schriftlich ein Verrechnungskonto zur Anweisung&nbsp;des Anlagebetrags. Kontoausz\u00fcge [&hellip;]<\/p>","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-2859","page","type-page","status-publish","hentry"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"Huda Sabagh","author_link":"https:\/\/vakifbankde.esme-it.at\/tr\/author\/huda\/"},"uagb_comment_info":0,"uagb_excerpt":"Bedingungen f\u00fcr Termin- und Tagesgeld Kontoer\u00f6ffnungen Tages- oder Termingeldkonten f\u00fchren wir als &#8222;Einzel-Konto&#8220; bzw. &#8222;Oder-Konto&#8220;. Die Mindestanlage betr\u00e4gt je EUR 5.000,00 &#8222;Und&#8220;- bzw. &#8222;Betreuer-Konten&#8220; werden nicht gef\u00fchrt. Kontoer\u00f6ffnungen erfolgen in den&nbsp;Gesch\u00e4ftsstellen, oder durch Zusendung der Er\u00f6ffnungsunterlagen. Nach Eingang des Antrags und der Legitimation durch Postident erh\u00e4lt der Kunde schriftlich ein Verrechnungskonto zur Anweisung&nbsp;des Anlagebetrags. Kontoausz\u00fcge&hellip;","_links":{"self":[{"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/pages\/2859","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/comments?post=2859"}],"version-history":[{"count":6,"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/pages\/2859\/revisions"}],"predecessor-version":[{"id":3330,"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/pages\/2859\/revisions\/3330"}],"wp:attachment":[{"href":"https:\/\/vakifbankde.esme-it.at\/tr\/wp-json\/wp\/v2\/media?parent=2859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}