{"id":406,"date":"2022-12-19T16:22:23","date_gmt":"2022-12-19T15:22:23","guid":{"rendered":"https:\/\/vakifbank.de\/?page_id=406"},"modified":"2023-11-02T09:55:39","modified_gmt":"2023-11-02T08:55:39","slug":"information-zum-festgeldkonto-fur-privatkunden","status":"publish","type":"page","link":"https:\/\/vakifbank.de\/tr\/privatkunden\/information-zum-festgeldkonto-fur-privatkunden\/","title":{"rendered":"\u00d6zel m\u00fc\u015fteriler i\u00e7in sabit vadeli mevduat hesab\u0131 hakk\u0131nda bilgi"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"406\" class=\"elementor elementor-406\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-13491b8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13491b8\" 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-0026323\" data-id=\"0026323\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c99b11 elementor-widget elementor-widget-heading\" data-id=\"2c99b11\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u00d6zel m\u00fc\u015fteriler i\u00e7in sabit vadeli mevduat hesab\u0131 hakk\u0131nda bilgi\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9c1d93 elementor-widget elementor-widget-text-editor\" data-id=\"e9c1d93\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>B<b>Gecelik para ve vadeli mevduatlar i\u00e7in \u00f6zel ko\u015fullar (A\u011fustos 2023 itibar\u0131yla) Terminoloji<\/b><\/p><p>\u00a0<\/p><p>V<b>akifBank Int. AG, Viyana, Almanya \u015eube Ofisi<\/b> Vak\u0131fBank olarak adland\u0131r\u0131lm\u0131\u015ft\u0131r.<\/p><p>\u00a0<\/p><p>T<b>erming paras\u0131 (veya sabit vadeli mevduat)<\/b> kararla\u015ft\u0131r\u0131lan bir faiz oran\u0131 ile belirli bir vade i\u00e7in yat\u0131r\u0131lan bir finansal yat\u0131r\u0131m \u015feklidir.<\/p><p>\u00a0<\/p><p>Ta<b>para<\/b> g\u00fcnl\u00fck kullan\u0131labilirli\u011fi ve de\u011fi\u015fken faiz oran\u0131 olan bir yat\u0131r\u0131m \u015feklidir.<\/p><p>\u00a0<\/p><p>T<b>erming para uzla\u015ft\u0131rma hesab\u0131 (veya uzla\u015ft\u0131rma hesab\u0131)<\/b> Vak\u0131fBank'ta vadeli mevduatlar\u0131n \u00f6denmesi i\u00e7in m\u00fc\u015fteri ad\u0131na a\u00e7\u0131lan bir hesapt\u0131r. Hesap \u00fccretsizdir.<\/p><p>\u00a0<\/p><p>R<b>referans hesap (veya kontra hesap)<\/b> hesap sahibinin ad\u0131na olan ve m\u00fc\u015fterinin ev bankas\u0131nda tutulan bir hesapt\u0131r.<\/p><p>\u00a0<\/p><p>P<b>rollover<\/b> vadeli bir mevduat\u0131n (veya vadeli mevduat\u0131n) vadesinin uzat\u0131lmas\u0131d\u0131r.<\/p><p>\u00a0<\/p><p>1<b>. Hesap a\u00e7\u0131l\u0131\u015flar\u0131<\/b><br \/>Vadesiz veya vadeli mevduat hesaplar\u0131 sadece \"tek hesap\" veya \"veya hesaplar\u0131\" olarak y\u00f6netilir. \"Ve-\" veya<br \/>\"Bak\u0131c\u0131 hesaplar\u0131\" tutulmamaktad\u0131r.<\/p><p>\u00a0<\/p><p>Hesaplar \u015fubelerde veya uzaktan sat\u0131\u015f yoluyla a\u00e7\u0131labilir. Ba\u015fvurunun al\u0131nmas\u0131ndan sonra, me\u015fruluk Postident\/Videoident taraf\u0131ndan do\u011frulan\u0131r. Me\u015fruiyetin onaylanmas\u0131ndan sonra, m\u00fc\u015fteri yat\u0131r\u0131m tutar\u0131n\u0131n transferi i\u00e7in yaz\u0131l\u0131 olarak \u00f6deme hesab\u0131n\u0131 alacakt\u0131r.<\/p><p>\u00a0<\/p><p>Vadeli mevduatlar i\u00e7in asgari yat\u0131r\u0131m tutar\u0131 5.000 Avro'dur ve hesap \u00f6zetleri ciro \u00fczerine d\u00fczenlenir.<\/p><p>\u00a0<\/p><p>2<b>. Gecelik mevduatlar<\/b><br \/>Gecelik mevduatlar sadece \u00f6zel m\u00fc\u015fteriler i\u00e7in tutulmaktad\u0131r. Faiz, paran\u0131n al\u0131nmas\u0131ndan sonra ge\u00e7erli faiz oran\u0131 \u00fczerinden yat\u0131r\u0131ma \u00f6denir. Ek \u00f6demeler her zaman m\u00fcmk\u00fcnd\u00fcr. Para \u00e7a\u011fr\u0131lar\u0131 telefonla, yaz\u0131l\u0131 olarak veya yaz\u0131l\u0131 olarak yap\u0131l\u0131r. \u00c7ekilen tutarlar ayn\u0131 g\u00fcn sadece bilinen referans hesab\u0131na aktar\u0131l\u0131r. Havale veya otomatik \u00f6deme ile \u00f6deme i\u015flemleri m\u00fcmk\u00fcn de\u011fildir. Paran\u0131n tamamen \u00e7ekilmesi durumunda, vadesiz para hesab\u0131 kapat\u0131l\u0131r ve referans hesaba aktar\u0131l\u0131r. Faiz ekstreleri her \u00e7eyrekte \u00e7a\u011fr\u0131 hesab\u0131na yat\u0131r\u0131lan faiz ile haz\u0131rlan\u0131r.<\/p><p>\u00a0<\/p><p>Azami yat\u0131r\u0131m tutar\u0131 Banka taraf\u0131ndan belirlenir ve Vak\u0131fBank internet sitesinde yay\u0131nlan\u0131r. Azami tutar\u0131n a\u015f\u0131lmas\u0131 durumunda, yay\u0131nlanan faiz oran\u0131 uygulanmaz.<\/p><p>\u00a0<\/p><p>3.<b> Vadeli Mevduatlar<\/b><br \/>Para al\u0131nd\u0131\u011f\u0131nda ve rezerve edildi\u011finde, m\u00fc\u015fteri s\u00f6zle\u015fme verilerini i\u00e7eren bir hesap \u00f6zeti al\u0131r.<\/p><p>\u00a0<\/p><p>Vade boyunca ek \u00f6demeler, para \u00e7ekme ve iptaller hari\u00e7tir. Yat\u0131r\u0131m\u0131n faizi kararla\u015ft\u0131r\u0131lan vade i\u00e7in sabittir. Alman Medeni Kanunu'nun (BGB) 314. maddesi uyar\u0131nca ola\u011fan\u00fcst\u00fc iptal durumunda, bunun i\u00e7in tahakkuk eden \u00fccretlerin ve avans faizinin Vak\u0131fBank'a \u00f6denmesi ve gerekli kan\u0131tlar\u0131n sa\u011flanmas\u0131 ko\u015fuluyla erken iptal izni verilebilir. \u00dccretler ve avans faizi ile ilgili daha ayr\u0131nt\u0131l\u0131 bilgi Fiyat ve Hizmetler Listesinde bulunabilir.<\/p><p>\u00a0<\/p><p>Vak\u0131fBank'\u0131n faiz teklifleri, takas hesab\u0131n\u0131n g\u00f6nderilmesinden sonraki 7 i\u015f g\u00fcn\u00fcne kadar garantilidir.<\/p><p>\u00a0<\/p><p>M\u00fc\u015fteri, s\u00f6zle\u015fmenin sona ermesinden 2 hafta \u00f6nce vade tarihi hakk\u0131nda bilgilendirilecektir. S\u00f6zle\u015fmenin bitiminden 2 i\u015f g\u00fcn\u00fc \u00f6ncesine kadar aksi y\u00f6nde bir talimat almazsak, yat\u0131r\u0131m ayn\u0131 vade i\u00e7in ve o zaman ge\u00e7erli olan faiz oran\u0131 \u00fczerinden uzat\u0131lacakt\u0131r.<\/p><p>\u00a0<\/p><p>Faiz \u00f6demeleri, bir y\u0131la kadar vadeli mevduatlarda s\u00f6zle\u015fme sonunda, birka\u00e7 y\u0131l vadeli mevduatlarda ise hesap a\u00e7\u0131l\u0131\u015f tarihinden sonra y\u0131ll\u0131k olarak de\u011fer kazan\u0131r. Banka, \u00f6zel bir m\u00fc\u015fteri talimat\u0131 olmaks\u0131z\u0131n faizi referans hesaba \u00f6der. Vadesi gelen faiz ve anapara \u00f6demeleri sadece referans hesaba yap\u0131l\u0131r.<\/p><p>\u00a0<\/p><p>4<b>. Y\u00f6netim<\/b><br \/>Vadesiz para ve vadeli mevduat hesaplar\u0131 ile ilgili tasarruflar telefonla, yaz\u0131l\u0131 veya yaz\u0131l\u0131 olarak ger\u00e7ekle\u015ftirilir.<\/p><p>\u00a0<\/p><p>M\u00fc\u015fteri bilgilerinde ve referans hesapta yap\u0131lacak de\u011fi\u015fiklikler yaln\u0131zca yaz\u0131l\u0131 olarak ve t\u00fcm hesap sahipleri taraf\u0131ndan imzalanarak yap\u0131lacakt\u0131r. Bankac\u0131l\u0131k i\u015flemlerinin internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilmesi m\u00fc\u015fteri ile kararla\u015ft\u0131r\u0131lm\u0131\u015fsa, adres de\u011fi\u015fiklikleri, ileti\u015fim bilgilerindeki de\u011fi\u015fiklikler, muafiyet talimatlar\u0131ndaki de\u011fi\u015fiklikler ve referans hesab\u0131ndaki de\u011fi\u015fiklikler internet bankac\u0131l\u0131\u011f\u0131 \u00fczerinden ger\u00e7ekle\u015ftirilebilir.<\/p><p>\u00a0<\/p><p>Hesap y\u00f6netimi \u00fccretsizdir. \u00d6zel hizmetler i\u00e7in \u00fccretler Banka'n\u0131n Fiyat ve Hizmetler Listesi'nde listelenmi\u015ftir.<\/p><p>\u00a0<\/p><p>5<b>. Hesap kapatma \u00e7a\u011fr\u0131 paras\u0131 hesab\u0131 ve mutabakat hesab\u0131<\/b><br \/>Takas hesab\u0131n\u0131n bir y\u0131l s\u00fcreyle ciro g\u00f6stermemesi ve cari vadeli mevduat bulunmamas\u0131 halinde, takas hesab\u0131 Vak\u0131fBank taraf\u0131ndan kapat\u0131lacak ve mevcut bakiyeler referans hesaba aktar\u0131lacakt\u0131r.<\/p><p>\u00a0<\/p><p>6<b>. Emlak hesaplar\u0131 \/ vasiyetname \/ vekaletname<\/b><br \/>Bir hesap sahibinin \u00f6l\u00fcm\u00fc, \u00f6l\u00fcm belgesi ibraz edilerek derhal bankaya bildirilmelidir. Banka, \u00f6l\u00fcm tarihi itibariyle kredi bakiyelerini (yasal olarak \u00f6ng\u00f6r\u00fclen tutardan) ve kiral\u0131k kasalar\u0131 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 \u00f6l\u00fcmden sonra da ge\u00e7erlidir; ilgili miras kan\u0131t\u0131 sunulana kadar. Hesab\u0131 devralma ve tasarruf etme hakk\u0131na sahip bir veya daha fazla ki\u015fi, a\u00e7\u0131l\u0131\u015f belgeli bir vasiyetname veya miras\u00e7\u0131l\u0131k belgesi ile kendilerini me\u015frula\u015ft\u0131rmal\u0131d\u0131r. Emanet hesaplar, tereke hesaplar\u0131 ve m\u00fc\u015fterek varislerin hesaplar\u0131ndaki bakiyeler k\u0131smen veya tamamen devir ve rehin edilemez. Vak\u0131fBank, teredd\u00fct halinde miras\u00e7\u0131lardan ek belge talep etme hakk\u0131n\u0131 sakl\u0131 tutar.<\/p><p>\u00a0<\/p><p>Vekaletnameler yaln\u0131zca bir ger\u00e7ek ki\u015fiye verilebilir. M\u00fc\u015fterek hesaplar i\u00e7in her iki hesap sahibinin de imzas\u0131 gereklidir. Yetkili ki\u015fi bankaya vergi kimlik numaras\u0131n\u0131 bildirmekle y\u00fck\u00fcml\u00fcd\u00fcr. Yetkiler vekaletname belgesinden kaynaklan\u0131r.<\/p><p>\u00a0<\/p><p>7<b>. Yat\u0131r\u0131m geliri \/ muafiyeti<\/b><br \/>Yat\u0131r\u0131m gelirleri, sermaye kazanc\u0131 vergisi ve dayan\u0131\u015fma ek vergisi ile birlikte sabit bir oranda vergilendirilir. Bankalar m\u00fc\u015fterileri i\u00e7in bu kesintiyi yapmakla y\u00fck\u00fcml\u00fcd\u00fcr. 1 Ocak 2015 tarihinden itibaren kilise vergisi de otomatik olarak kesilecek ve dini cemaat \u00fcyeleri taraf\u0131ndan \u00f6denecektir. Faiz gelirleri yasada \u00f6ng\u00f6r\u00fclen miktara kadar muaf tutulabilir. Tahakkuk etmeyen bir belge mevcutsa, faiz geliri kesinti olmaks\u0131z\u0131n vergiden muaft\u0131r. Takvim y\u0131l\u0131n\u0131n sonunda m\u00fc\u015fteri, vergilendirilmi\u015f\/muaf yat\u0131r\u0131m geliri i\u00e7in otomatik olarak y\u0131ll\u0131k bir vergi sertifikas\u0131 veya gelir beyan\u0131 al\u0131r.<\/p><p>\u00a0<\/p><p>8<b>. GWG'ye g\u00f6re ger\u00e7ek hak sahibi<\/b><br \/>Hesaplar yaln\u0131zca s\u00f6zle\u015fme orta\u011f\u0131n\u0131n veya hesap sahibinin kendi hesab\u0131 i\u00e7in a\u00e7\u0131l\u0131r. Sonu\u00e7 olarak, s\u00f6zle\u015fme taraf\u0131 veya hesap sahibi her zaman mevduat\u0131n ger\u00e7ek sahibidir.<\/p><p>\u00a0<\/p><p>9<b>. \u015eartlar ve ko\u015fullar<\/b><br \/>Bir hesap a\u00e7arak, m\u00fc\u015fteri 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, hesap a\u00e7ma ba\u015fvurusuyla birlikte h\u00fck\u00fcm ve ko\u015fullar\u0131 al\u0131r. Bunlar ayr\u0131ca bankada g\u00f6r\u00fclebilir veya m\u00fc\u015fteriye g\u00f6nderilebilir.<br \/>Yetki alan\u0131 K\u00f6ln'd\u00fcr.<\/p>\t\t\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00d6zel m\u00fc\u015fteriler i\u00e7in vadeli mevduat hesab\u0131 hakk\u0131nda bilgi Gecelik para ve vadeli mevduat i\u00e7in \u00f6zel ko\u015fullar (A\u011fustos 2023 itibar\u0131yla) Terminoloji VakifBank Int. AG, Viyana, Almanya \u015fubesi VakifBank olarak an\u0131lmaktad\u0131r.   Vadeli para (veya vadeli mevduat), kararla\u015ft\u0131r\u0131lan bir faiz oran\u0131 \u00fczerinden belirli bir vade i\u00e7in yat\u0131r\u0131lan bir finansal yat\u0131r\u0131m \u015feklidir.   Vadesiz para, g\u00fcnl\u00fck [...] ile bir yat\u0131r\u0131m \u015feklidir.<\/p>","protected":false},"author":1,"featured_media":0,"parent":544,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-406","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":"meisterkoch840","author_link":"https:\/\/vakifbank.de\/tr\/author\/meisterkoch840\/"},"uagb_comment_info":0,"uagb_excerpt":"Information zum Festgeldkonto f\u00fcr Privatkunden Besondere Bedingungen f\u00fcr Tagesgeld- und Termingeldanlagen (Stand August 2023) Terminologie \u00a0 VakifBank Int. AG, Wien, Zweigniederlassung Deutschland wird als VakifBank genannt. \u00a0 Termingeld (oder Festgeld) ist eine Form von Geldanlage, die f\u00fcr eine bestimmte Laufzeit mit einem vereinbarten Zinssatz angelegt wird. \u00a0 Tagesgeld ist eine Form von Geldanlage mit t\u00e4glicher&hellip;","_links":{"self":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/406","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/comments?post=406"}],"version-history":[{"count":39,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/406\/revisions"}],"predecessor-version":[{"id":3958,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/406\/revisions\/3958"}],"up":[{"embeddable":true,"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/pages\/544"}],"wp:attachment":[{"href":"https:\/\/vakifbank.de\/tr\/wp-json\/wp\/v2\/media?parent=406"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}