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Emekliye yüksek promosyon fırsatı Hem promosyon kampanyaları hareketlendi hem de pek çok emekliye yeni maaşıyla daha fazla ödeme alma imkanı doğdu. Peki nasıl yüksek promosyondan alınacak? Nelere dikkat edilmeli? İşte detayları.. Giriş Tarihi : 25 Temmuz 2024
Emeklilere, dul ve yetimlere ek gelir yolunu açan promosyonda yeni perde açıldı. Kampanyalar hareketlendi, bankaların vadettiği ödemeler 24 bin liraya kadar çıktı. Zamlanan maaşlar da çok sayıda emekliye bir üst dilimdeki promosyondan yararlanma yolunu açtı. Bir taahhüdü olmayan emekliler seçtiği bankaya başvurup fırsatları değerlendirebilecek. Taahhüdü olanlar da ister aynı ister başka bankada daha yüksek ödeme alma imkanını kullanabilecek.
■ Bankalar ne veriyor? Yüksek promosyonun şartı var mı? Bankalar 3 yıllık dönem için 4 ayrı maaş dilimine göre en az 5 bin, 8 bin, 10 bin ya da 12 bin lira ödeme yapıyor. Kampanyalarla hiç şartsız tutarı artıranlar var. Bu şekilde 15 bin liraya varan ödeme alınabiliyor. Emekli yakınını getirme, kartla alışveriş yapma, otomatik fatura ödeme talimatı verme gibi şartlarla tutarı artıran bankalar da var. Bir banka, maaşını kendisine taşıyanlara 12 bin liraya varan promosyona ek olarak, bankamot ve kredi kartıyla yapacakları harcamalarda 12 bin liraya varan nakit ödeme fırsatı sunuyor. 2 banka da bazı şartlarla 18 bin liraya varan ödeme yapıyor.
■ Maaş zammı kimlerin promosyonunu artırdı? Promosyonda 4 maaş dilimine göre farklı promosyon ödeniyor. Bu maaş dilimleri '10 bin liranın altı', '10 bin-14 bin 999 lira arası', '15 bin-19 bin 999 lira arası' ve '20 bin lira ve üzeri' şeklinde bulunuyor. Temmuz zammıyla maaşı bir üst dilime çıkanlar daha fazla promosyon alabilecek.
■ Maaşa göre en az ve en çok ne kadar promosyon alınabiliyor? Mevcut kampanyalar kapsamında maaş dilimine göre alınabilecek promosyon aralığı şöyle: 10.000 TL'nin altı maaş: 5.000-17.000 TL promosyon 10.000-14.999 TL arası maaş: 8.000-20.000 TL promosyon 15.000-19.999 TL arası maaş: 10.000-22.000 TL promosyon 20.000 TL ve üzeri maaş: 12.000-24.000 TL promosyon
■ Banka tercihi yaparken nelere dikkat edilmeli? Öncelikle kampanyaların şartlarının detaylıca okunarak karar verilmesi önemli. İstediğiniz ödemeyi almak için pek çok şartla karşılaşabilirsiniz. Bazı bankalar şartsız olarak yüksek promosyon ödemesi yapıyor. Bazıları da ilk kez bankasına gelenlere ödemeyi yükseltiyor. Kimi bankalar da otomatik ödeme talimatı verene ya da kartıyla aylık belirli tutarlarda harcama yapanlara yüksek promosyon veriyor. Emekli yakınını getirenlere ilave ödeme yapanlar da var. Bunları incelemeden harekete geçmeyin.
■ Promosyonu birkaç ay önce güncellemiştim. Yine güncelleyebilir miyim? Evet. Bunun için bir sınırlama bulunmuyor. İsteyen kendi bankasındaki isteyen de başka bankadaki güncel tutarlardan yararlanabilir.
■ Güncelleme nasıl yapılacak? Bankanıza giderek, mobil uygulamadan ya da telefon bankacılığından promosyon yenileme başvurunuzu yapın. Banka iade tutarını hesaplayacak. Bu tutarı bulmak için daha önce alınmış olan promosyon tutarı 36'ya bölünecek. Çıkan rakam, taahhüdün bitimine kalan ay sayısıyla çarpılacak. Banka bu tutarı ya sizden iade alarak yeni promosyonu yatıracak ya da alacağınız yeni promosyondan düşerek ödemeyi yapacak.
■ Banka nasıl değiştirilecek? İsteyen emekliler maaş taşıma işlemi de yapabilecek. Farklı bankaya geçilecekse öncelikle taahhüdün sürdüğü bankaya kalan sürenin tutarını iade etmek gerekiyor. Ardından da banka değişikliği yapılmalı. Bu işlem e-Devlet'ten kolayca yapılıyor. Son olarak da yeni bankaya mobil uygulamadan ya da şubeden promosyon başvurusu yapılarak işlem tamamlanıyor.
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