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Emekliye yeni promosyon: Güncelleme nasıl olacak? Promosyonda yeni perde açıldı. Kamu bankalarının promosyonları 8-12 bin lira aralığına yükseldi. Gözler özellere çevrilirken, isteyen kalan sürenin tutarını iade ederek bankasını değiştirebilecek. İşte promosyonla ilgili merak edilen soruların yanıtları... Giriş Tarihi : 23 Mart 2024
Başkan Recep Tayyip Erdoğan'ın 2024'ü 'Emekliler Yılı' ilan etmesiyle birlikte emeklilere yönelik adımlar peş peşe atılıyor. Refah payı, taban aylık, ikramiye artışının ardından şimdi de promosyon güncellemesi müjdesi geldi. Kamu bankalarının aylığa göre 3 bin ile 5 bin lira arasında olan promosyon tutarları, 8 bin ile 12 bin lira aralığına çıkarıldı.
Aylıklarını kamu bankalarından alan emekliler güncellenen promosyon tutarlarından yararlanmak için pazartesi gününden itibaren başvuru yapmaya başlayacak. Süreci tamamlanan emekliler yeni promosyonlarını 28 Mart itibariyle de hesabında görecek. Kamu bankalarının yeni promosyonları özel bankaları da harekete geçirirken, merak edilen pek çok nokta bulunuyor. İşte sorularla yeni promosyon... PROMOSYONDA MAAŞ DİLİMLERİ DE DEĞİŞECEK Mİ? AYLIĞI 10 BİN LİRA OLANA NE ÖDENECEK? SGK ile bankalar arasında Kasım 2022'de imzalanan protokol kapsamında taban promosyon tutarları gelir/ aylıkları 3 bin 500 liraya kadar olanlar için 3 bin, 3 bin 500-7 bin 500 lira arası olanlar için 3 bin 500, 7 bin 500-10 bin lira arası olanlar için 4 bin 500, 10 bin liradan fazla olanlar için 5 bin lira olarak belirlenmişti. Şimdi en düşük promosyon 8 bin, en yükseği 12 bin lira oldu. Burada maaş dilimlerinin de değişmesi mümkün. Bununla ilgili detaylar Çalışma Bakanlığı tarafından duyurulacak. Eğer maaş dilimleri değişmezse maaşı 10 bin lira olan 12 bin lira promosyon alacak.
GÜNCELLEME İÇİN NASIL BAŞVURU YAPILACAK? Bunun için maaş alınan bankaya gidilebileceği gibi, bankaların mobil uygulamaları üzerinden de başvuru yapılması mümkün. Bankalar güncelleme işlemleri ile ilgili detayları önümüzdeki günlerde duyuracak. 3 YILLIK TAAHHÜT SÜRESİ HENÜZ DOLMAYANLAR YENİLEME İÇİN KALAN TUTARI BANKAYA GERİ Mİ ÖDEYECEK? Bankayla promosyon anlaşması yeniden yapılacağı için önceki anlaşma sona erecek. Bunun için önceki anlaşmadan kalan sürenin tutarı ya iade edilecek ya da yeni ödenecek promosyondan düşülecek. Kalan sürenin tutarını bulmak için alınmış olan promosyon tutarı 36'ya bölünecek. Çıkan rakam, taahhüdün bitimine kalan ay sayısıyla çarpılacak. Banka bu tutarı iade alarak yeni tutarı ödeyebileceği gibi, iade almayıp yeni yapacağı promosyon ödemesinden bu tutarı indirebilecek.
TAAHHÜT SÜRERKEN BANKAYI DEĞİŞTİRMEYE ENGEL VAR MI? Engel yok. 3 yıllık taahhüt süresi dolmadan da banka değiştirilebilir. Banka ödediği tüm promosyon miktarını değil, kalan sürenin promosyon tutarını talep edebilir.
CAYMA HAKKI NASIL KULLANILIR? EMEKLİ AYLIĞI BAŞKA BANKAYA NASIL TAŞINIR? Farklı bankaya geçilecekse öncelikle taahhüdün sürdüğü bankaya kalan sürenin tutarını iade etmek gerekiyor. Ardından da maaş taşıma işleminin yapılması gerekiyor. Kimlikle birlikte en yakın banka şubesine giderek ya da bankanın internet ve mobil şubesinden banka değişikliği işleminizi yapılabiliyor. E-Devlet'ten de banka güncellemesi yapılması mümkün. Ardından da yeni bankanıza mobil uygulamadan ya da şubeden promosyon başvurusu yaparak ödemenizi alabilirsiniz. GÜNCELLEME HEMEN Mİ YAPILMAK ZORUNDA? İsteyen emekliler diğer bankaların ne kadar vereceğini görmek için bekleyip ona göre karar verebilir. SIRA ÖZELLERDE Özel bankalar da promosyonu artıracak mı? Çalışma Bakanı Vedat Işıkhan, özel bankalarla promosyon ödemelerinde artış sağlanması yönündeki çalışmaları sürdürdüklerini belirterek, "Sonuca vardığında emeklilerimizle paylaşacağız" açıklamasını yaptı. SGK'yla imzalanacak protokol ile özel bankaların da promosyon tutarlarının kamu bankalarıyla aynı tutarlara yükseltilmesi söz konusu. Hatta emekli müşteri sayısını artırmak isteyen özel bankaların bugüne kadar olduğu gibi bundan sonra da daha yüksek promosyon ödemesi mümkün. Mevcut kampanyalara göre emeklilere 15 bin liraya varan ödeme yapılırken, bu tutarların da önümüzdeki dönemde aşılması bekleniyor.
NE KADAR İADE EDİLİR? ÖRNEK HESAPLAMA Kasım 2022'de 5 bin lira alan, şimdi 12 bin lira alabilecek emekli, bu ay güncelleme için başvurursa kalan sürenin tutarı şöyle hesaplanacak: Alınan promosyon: 5.000 TL Taahhüt süresi: 36 ay Tamamlanan süre: 16 ay Kalan süre: 20 ay Kalan sürenin tutarı: (5.000 /36) x 20 = 2.777,78 TL
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