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Çeyiz parası ne kadar 2022? Evlenenlere çeyiz desteği ne? Çeyiz hesabında devlet desteği Ocak’ta artıyor Giriş Tarihi: 15 Kasım 2022 10:27 Güncelleme Tarihi: 15 Kasım 2022 10:27
Çeyiz hesabında devlet desteği Ocak’ta artıyor. Yüzde 122,93 çıkan yeniden değerleme oranı yansıtılırsa gençlerin alacağı tutar 16 bin 394 liradan 36 bin 548 liraya çıkacak. Çiftler iki ayrı hesapla tutarı katlayabilecek.
Bankada açtığı çeyiz hesabında 3-5 yıl birikim yapıp 27 yaşından önce ilk evliliklerini yapanlara, devlet de nakdi destekte bulunuyor. Çeyiz hesabında düzenli ödeme tutarları ve desteğin üst sınırı her yıl Ocak ayında yeniden değerleme oranı kadar yükseliyor. Yeni tutarların sinyali geldi. Halen 16 bin 394 lira 72 kuruş olan devlet katkısı üst sınırı, yeniden değerleme oranının yüzde 122,93 olarak ilan edilmesi halinde 36 bin 548 lira 75 kuruşa çıkacak. Çiftler bu destekten ayrı ayrı yararlanıp 73 bin 97 lira 50 kuruş katkı alabilecek. İşte çeyiz hesabı uygulamasında yeni yılda hayata geçirilmesi beklenen yeni tutarlar:
İŞTE YENİ TUTARLAR Aylık ödemede alt sınır 282,83 liradan 630,51 liraya, üst sınır 2 bin 828 lira 34 kuruştan 6 bin 305 lira 22 kuruşa çıkacak. 3 aylık ödemeyi tercih edenlerde ise halen 848,50 lira olan alt sınır bin 891 lira 56 kuruşa, üst sınır 2 bin 828 lira 34 kuruştan 6 bin 305 lira 22 kuruşa yükselecek.
Katılımcı, hesabın açılış tarihinde 2022 yılı için azami 42 bin 425 lira 20 kuruş para yatırabiliyordu. 2023'te hesap açanlar bir defada en çok 94 bin 578 lira 50 kuruş yatırabilecek.
Devlet katkısında üst sınır tutarları da Ocak'ta artacak. Düzenli ödeme süresi 36 ile 47 ay olanlar için hesaptaki birikim tutarının yüzde 20'si 48 ile 59 ay olanlar birikim tutarının yüzde 22'si, 60 ay ve üzeri olanlar hesaptaki birikim tutarının yüzde 25'i kadar devlet katkısı alabiliyor. Ancak ödenecek tutar düzenli ödeme süresi 36-47 ay olanlarda 11 bin 840 lira 63 kuruşu, 48-59 ay arası olanlarda 13 bin 662 lira 26 kuruşu, 60 ay ve üzeri olanlarda 16 bin 394 lira 72 kuruşu geçemiyor. Yüzde 122.93'lük yeniden değerleme oranı yansıtılırsa devlet katkısı üst limiti düzenli ödeme süresi 36-47 ay olanlarda 26 bin 396 lira 32 kuruşa, 48-59 ay arası olanlarda 30 bin 457 lira 28 kuruşa, 60 ay ve üzeri olanlarda 36 bin 548 lira 75 kuruşa çıkacak. 5 yılda 146 bin 195 lira ve üzerinde birikim yapan, 36 bin 548 lira devlet katkısı alabilecek.
BUNLARA DİKKAT Çeyiz hesabı desteğinden yararlanmak isteyenlerin şu noktalara dikkat etmesi gerekiyor:
Hesap 24 yaşını doldurmadan önce açılmalı.
18 yaşından küçükler adına da veli veya vasisi tarafından çeyiz hesabı açılabilir.
Hesaptan bir dönem içerisinde en fazla 2 defa çekim hakkı var. Ancak çekim hakkının kullanılması halinde hesapta kalan bakiye, çeyiz hesabının açılış tarihinden itibaren yatırılması gereken asgari tutarlar toplamından az olmamalı.
Düzenli ödemelerini minimum 36 ay aksatmadan tamamlayan katılımcı, 27 yaşını doldurmadan ilk evliliği yaptığı zaman devlet katkısını hak eder.
Devlet katkısının hesaplanmasında evlilik tarihindeki birikim esas alınır.
Devlet katkısını almak için evlilik tarihinden itibaren 6 ay içerisinde evlilik cüzdanı ile çeyiz hesabının bulunduğu banka şubesine başvurulması gerekir.