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Milyonlarca emekli gözlerini promosyon ödemelerine çevirmişti. Emekliler için ikinci promosyon ödemelerinin ne zam an ödeneceği merak konusu olmuştu. Dolayısıyla 2017 yılında yasa çıktıktan sonra banka lardan promosyon alan tüm emekliler bu yıl ikinci paralarını hem de daha yüksek miktardan alma hakkına kavuştu. Bunu ister aynı bankadan isterse bankasını değiştirerek yapabilecekler. Zaten bankalar son zamanlarda bu konuda çok fazla kampanya ve tanıtım yapıyor. ancak tabi içlerinin iyi incelenmesi gerekir. SSK ve Bağ-Kur emeklileri, 17-28 Temmuz 'da zamlı maaş ve ikramiyesini birlikte alacak. Memur emeklilerine ise 28-29 Temmuz 'da zam farkı, ikramiye ve erken maaş var. İşte son dakika haberi ve detaylar takvim.com.tr 'de
Takvim gazetesi yazarı Faruk Erdem promosyon ile ilgili soruları cevapladı.
SORU&CEVAPLAR Bu yaz yüzde 5.75 oranında yılın ikinci zam mını alan emekliler Cuma gününden itibaren 1000 TL'lik kurban bayramı ikramiyelerine de kavuşacak. Bu ödemelerin yanında yukarıda anlattığımız gibi birçok emekli izin de promosyon alma hakkı oluştu.
3 yılını tamamlayan herkes ikinci promosyonunu alacak. Promosyonla ilgili çok sayıda soru alıyorum. Bu konudaki bazı soruların cevaplarını hazırladım.
1- HANGİ EMEKLİLER PROMOSYON ALIYOR? Emekli maaşı bağlanan herkes bir banka seçerek promosyon almaya hak kazanıyor. Eski-yeni tüm emeklilerin hakkı var.
2- PARAYI ALMANIN BİR ŞARTI VAR MI? Emeklinin seçtiği bankaya '3 yıl maaşımı sizden alacağım' taahhüdünü vermesi yeterli. Fatura talimatı verme, kredili hesap, başka emekli müşteri getirme gibi şartlar yok. Bunları öne süren bankanın ekstra bir getirisi yoksa tercih etmeyin. Çünkü promosyon almak için bu tür şartlar bulunmuyor.
3- İKİNCİ PROMOSYON NE ZAMAN ÖDENECEK? Emekliler için promosyon 2017'nin Şubat ayı sonunda hayata geçti. Bu tarihte başvurup promosyonu alanların 3 yıllık taahhüt süresi bu yıl doluyor. İkinci ödemeler 3 yıl dolunca yapılacak.
4- 2017'DEN SONRA PROMOSYON ALANLAR NE YAPACAK? Onlar da 3 yıl bitince ikince ödeme alacak. Örneğin 2018 yılında alan bir emekli 2021'de ikinci promosyon u hak edecek. Bu yüzden 3 yılın tamamlanmasını beklemek gerekiyor.
5- AYNI BANKADA KALMAK MECBURİ Mİ? Süresi sona eren emekliler istedikleri banka yı seçip ikinci promosyonlarını oradan alabilirler. Ancak süre dolmadan da banka değiştiriliyor. Eğer kredi kullanmamışsanız kalan sürenin promosyonunu iade edip ayrılabilirsiniz. Kredi kullanan emekliler ise bu kredi bitene kadar banka değiştiremiyor.
6) MAAŞ ALDIĞIM BANKAYI NASIL DEĞİŞTİRİLİR? Maaşın yatırılması istenen bankanın herhangi bir şubesine başvurmak yetiyor. Bunun dışında e-Devlet'ten de banka ve şubesi kolayca seçilebiliyor. Herhangi bir ekstra işlem yapmaya gerek kalmıyor.
7- PROMOSYON TUTARLARI ARTACAK MI? SGK 'nın banka larla yaptığı protokol ile 3 yıllık dönem için promosyon tutarları belirlenmişti. Ancak şimdi bu tutarlar yükseldi. Maaşı bin 500 ile 2 bin 500 lira arasında olanlar en az 625 lira, 2 bin 500 liranın üstünde olanlar ise en az 750 lira alabilecek.
Bankalar yeni kampanyalarla promosyon miktarlarını 2 bin liralara kadar çekiyor. Tabi maaşa göre promosyon veriliyor. Herkes eşit promosyon alamıyor
8- YENİ EMEKLİ OLAN BİRİSİ NE YAPACAK? Yeni emekliler ilk maaşlarını aldıktan sonra seçimlerini yapıyorlar. Hangi bankadan maaşlarını almak istiyorlarsa ona göre karar veriyorlar. Bu noktada bankanızı seçerken promosyon verip vermediğine ve ne kadar verdiğine bakarak karar verebilirsiniz. Dolayısıyla yeni emeklilerin de promosyon alma hakkı bulunuyor.
9- BANKA SEÇERKEN NEYE DİKKAT ETMELİ? Bazı bankalar, ek ürünler kullanılması ya da bazı şartlara uyulması halinde promosyon tutarını artırıyor. Ancak burada sunulan rakamlar çok şartlara iyi bakmak gerekiyor. Yüksek rakamlar sanki herkese verilecekmiş gibi sunuluyor. Emeklilerin kampanyaların şartlarını detaylıca okuyarak kararını vermesi önem taşıyor.
Kelime oyunlarıyla bazı yüksek rakamlar söylense de bunu almak için çok sayıda şart koşuluyor. O yüzden öncelikle kendi bankanızla konuşup daha sonra diğer alternatifleri değerlendirebilirsiniz.
MAAŞ ERKENE ÇEKİLDİ
Bakan Selçuk , şu bilgileri verdi: "Emekli Sandığı kapsamında olanların Ağustos'a ilişkin aylıklarının Kurban Bayramı 'na denk gelmesi nedeniyle Temmuz aylık farkı, Ağustos aylıkları ve bayram ikramiyeleri birlikte ödenecek. Ziraat Banka sı'ndan her ayın 1. ve 2. gününde aylıklarını alanlara 28 Temmuz 'da, 3. 4. ve 5. gününde aylıklarını alanlara da 29 Temmuz'da ödemeler gerçekleştirilecek. Aylıklarını diğer bankalardan alanlara 28 Temmuz' da ödeme yapılacak."
EMEKLİLİKLE İLGİLİ MERAK EDİLENLER
01.10.1985 sigorta girişliyim. 3600 günüm var. Sigortam devam etmekte. 5...889733 Nolu SMS
İşe başlama tarihinize göre 25 yıl, 49 yaş ve 5300 prim gün şartlarına tabisiniz. İşe giriş askerden sonra ise 4.5 aylık askerlik borçlanıp 25 yıl, 48 yaş ve 5225 prim gün şartlarına tabi olabilirsiniz. 3600 günden hangi yaşta emekli olabileceğinizi hesaplamamız için doğum tarihinizi bilmeliyiz. 55 yaşınızı hangi tarihte tamamladığınızı bilmeliyiz ki yaşkademe hesabını ona göre yapalım. 1993 Temmuz SGK girişliyim. 11.12.1977 doğumluyum. Askerliği 6 ay yaptım. 5...181067 Nolu SMS
İşe başlangıcınıza göre 54 yaş ve 5675 prim gün şartlarına tabisiniz. Bu ay 25 yıl şartınız, 2031 yılında da yaşınız dolacak. Emekli olabileceğiniz tarih 11.12.2031 olacaktır.
26.09.1974 doğum tarihim. SSK girişim Ocak 1996. Bağ-Kur 12 yıl 1 ay 10 gün. Askerlik 1994-1996 arası yapıldı. 5..636699 Nolu SMS
Prim ödemelerinizin son 1260 günü SSK kapsamında geçmek şartı ile 25 yıl, 56 yaş ve 5825 prim gün şartlarına tabisiniz. Askerlik işe başlangıçtan önce ise 55 yaş ve 5750 prim gün şartlarına tabi olabilirsiniz. Bu durumda 55 yaşınızın dolacağı 26.09.2029'da emekli olabilirsiniz.
01.01.1968 doğumluyum. 03.07.1993 sigorta girişim. Sigorta başlangıcından önce 15 ay, 10 gün askerlik yaptım. İşe girdikten sonra askerlik borçlanmamı ödedim. 8000 gün primim var. 5...614116 Nolu SMS
İşe girişinize göre 25 yıl, 54 yaş ve 5675 prim gün şartlarına tabisiniz. Askerliği ödediğinizden dolayı 25 yıl, 53 yaş ve 5600 prim gün şartlarından emekli olabilirsiniz. Prim gün sayınız tamamlanmış ancak 53 yaşınız 2021 yılında dolacak. Bu durumda emekli olacağınız tarih 01.01.2021 olacaktır. 03.05.1974 doğum tarihim, SSK girişim 01.05.1996, 5092 gün primim var. Askerliğimi 1994 yılında 18 ay olarak yaptım. 5...554876 Nolu SMS
SSK girişinize göre, 25 yıl, 56 yaş ve 5825 prim gün şartlarına tabisiniz. 6 aylık askerlik borçlanması yaparak 25 yıl, 55 yaş, 5750 prim gün şartlarına tabi olabilirsiniz. Buna göre de 478 gün daha prim ödeyerek 55 yaşınızın dolacağı 04.05.2029 tarihinde emekli olabilirsiniz. 1979 doğumluyum. 07.07.1995 girişliyim. 2500 günüm var. 5...780126 Nolu SMS
İşe başlangıcınıza göre 25 yıl, 55 yaş ve 5750 prim gün şartlarına tabisiniz. 55 yaşınızın dolacağı 07.07.2034 tarihine kadar 5750 günü tamamlayıp emekli olursunuz.