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Bir bankaya gidip Vadeli Mevduat Hesabı açtırmak istediğiniz takdirde kabul ettiğiniz faiz oranından vade sonuna dek paranızın banka taraf��ndan değerlendirilmesini kabul etmiş olursunuz. Dilerseniz vade sonunda paranızı anapara ve faiz getirisiyle çekebilir ya da üzerinde anlaştığınız yeni faiz oranından bu paranızın vadesini yeni bir tarihe dek uzatabilirsiniz. Vadeli mevduata yatırdığınız paranın faiz getirisinden yararlanabilmeniz için mevduat vadesinin sonunu beklemeniz gereklidir. Son dakika faiz depremi haberleri!
EN YÜKSEK KAZANÇ ORANI VEREN BANKALAR
Bankada parası olanların ilk tercihi 32 günlük vadeli mevduat hesabı oluyor. Birikimlerini 32 günlük sürelerde bankaların vadeli mevduat hesaplarında değerlendirmek isteyenler için çok sayıda banka özel olanaklar sunuyorlar. Ocak 2021 itibariyle bankalar bu alanda bir yarışa girerken kazanç oranları son dönemlerde yükseldi.
10.000 TL için 32 Gün Mevduat Kazançları
Bankalar arasıdna 32 günlük vadeli mevduat hesabı faiz oranlarında en yüksek rakam ING Bank 'ta bulunuyor. ING müşterilerine yüzde 18.00 faiz oranıyla 32 günlük vadeli mevduat kazancı sağlıyor.
10.000 TL için 32 Gün Mevduat Kazançları
10.000 TL için 46 Gün Mevduat Kazançları
10.000 TL için 46 Gün Mevduat Kazançları
32 Günlük Vadeli Mevduat Hesabı Nasıl Açılır?
Yatırımlarını değerlendirmek isteyenler 32 günlük vadeli mevduat hesap açma yolunu tercih edebilmektedir. Vadenin kısa süreli olarak ayarlanması acil nakit ihtiyacı olanlar açısından olumlu yanıtlar vermektedir. Zira bazı bankalar 10 bin TL'lik yatırımını 32 günde 500 TL'ye kadar nakit kazandırabilmektedir. Tabi yatırımlar için hangi bankanın tercih edildiği bu alanda çok önemlidir.
Şubelerde yatırımcılarla ilgilenen bireysel müşteri temsilcileri bulunmaktadır. 32 günden ya da daha uzun günden oluşan vadeli hesap ların açılabilmesi için herhangi bir banka şubesine gitmek yeterlidir. Bireysel müşteri temsilcileri gerekli olan evrakları burada talep edeceklerdir. Genellikle hesap açma işlemi için kimlik yeterli gelmektedir. Şubelere giderek mevduat hesabı açmanın bir diğer artısı ek bilgi edinimi olarak gösterilmektedir.
Vadeli Mevduat Hesabı Nedir?
Vadeli mevduat hesabı ile kazanç elde etmenin en büyük avantajı risksiz oluşu. Paranızı vadeye koyarken vade bitiminde elinize ne kadar para geçeceğini bilirsiniz. Riskten hoşlanmayan bir yatırımcı iseniz vadeli mevduat hesabı sizin için en ideal yatırım aracı olacaktır.
Vadeli Hesap Çeşitleri Nelerdir? Tanımlarına bağlı olarak birbirinden değişik vadeli hesap çeşitleri bulunmaktadır. -Döviz ve altın üzerinden vadeli hesap - E-vadeli hesap - Çeyiz hesabı - Hoş geldin vadeli hesabı - Birikim hesabı Bütün bu hesap çeşitleri üzerinden sağlanan faiz getirisi ile beraber, verdiği kazanç farklılık yaratmaktadır.
Vadeli Hesapta Stopaj Ne Anlama Gelir? Vadeli hesap ta stopaj kesinti anlamına gelmektedir. Vadeli hesap üzerinden yatırılmış olan miktar kapsamında, yapılmış süre ile beraber faiz getirisi üzerinden gerçekleştirilen kesintidir. Bu stopaj kesintisi devlete ödenmiş bir vergi olarak adlandırılabilir. Vadenin uzunluğuna bağlı olarak stopaj kesintisi değişkenlik göstermektedir. Bunlar genel olarak ve ya da gibi miktarlar kapsamında ele alınır. Bu kesinti tamamlandıktan sonra miktar kişinin banka hesabına net olarak yansır ve vade süresinin bitmesi ile kişi hesabından çekim yapabilir.