{"id":20637,"date":"2021-10-16T11:52:00","date_gmt":"2021-10-16T11:52:00","guid":{"rendered":"https:\/\/haberglobal.com.tr\/ekonomi\/almanlar-bankada-unuttuklari-paranin-pesinde-138600"},"modified":"2021-10-16T11:52:00","modified_gmt":"2021-10-16T11:52:00","slug":"almanlar-bankada-unuttuklari-paranin-pesinde","status":"publish","type":"post","link":"https:\/\/istanbulchannel.net\/index.php\/2021\/10\/16\/almanlar-bankada-unuttuklari-paranin-pesinde\/","title":{"rendered":"Almanlar bankada unuttuklar\u0131 paran\u0131n pe\u015finde"},"content":{"rendered":"

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\u015eu an cebinizde ka\u00e7 para var? En dalg\u0131n olan\u0131m\u0131z bile a\u015fa\u011f\u0131 yukar\u0131 cebindeki miktar\u0131 bilir. Baz\u0131 insanlar ise ceplerindeki para d\u0131\u015f\u0131nda, baz\u0131 banka hesaplar\u0131n\u0131 bile unutabiliyor. Ya i\u015f yeri de\u011fi\u015ftirirken farkl\u0131 bir banka ile \u00e7al\u0131\u015fmaya ba\u015fl\u0131yorlar veyahut bu d\u00fcnyadan g\u00f6\u00e7\u00fcp, hesaplar\u0131n\u0131 ba\u015fka insanlara s\u00f6ylemiyorlar.<\/p>\n

Almanya\u2019da kay\u0131p banka hesaplar\u0131n\u0131 bulmak bir sekt\u00f6r haline d\u00f6nm\u00fc\u015f durumda. D\u00fcnyan\u0131n en ya\u015fl\u0131 n\u00fcfuslar\u0131ndan birine sahip \u00fclkede, vefat eden anne babalar\u0131n \u00e7ocuklar\u0131 onlar\u0131n banka hesaplar\u0131n\u0131 ar\u0131yor.<\/p>\n

Resmi olmayan ve \u00e7ok geni\u015f aral\u0131kl\u0131 hesaplara g\u00f6re; 2 ila 9 milyar euro aras\u0131nda bir miktar\u0131n bu banka hesaplar\u0131nda oldu\u011fu ifade ediliyor. T\u00fcrkiye\u2019deki kanunlar\u0131n aksine Almanya\u2019da banka hesaplar\u0131nda unutulan paralar ne kadar s\u00fcre ge\u00e7erse ge\u00e7sin devlete devrolmuyor. Sadece unutulan hesaplardaki paran\u0131n miras\u00e7\u0131s\u0131 oldu\u011funu kan\u0131tlamak \u00e7ok zor.<\/p>\n

Banka ve sermaye piyasas\u0131 kanunu hakk\u0131nda uzman olan hukuk\u00e7u Klaus H\u00fcnlein\u2019e g\u00f6re; unutulan hesaplar\u0131n \u00e7o\u011funda az para var ve bazen meftan\u0131n \u00e7ekmeceleri kar\u0131\u015ft\u0131r\u0131ld\u0131\u011f\u0131nda bile hesap c\u00fczdan\u0131na rastlanabiliyor.<\/p>\n

“BABAMIN BURADA PARASI VARMI\u015e”<\/strong><\/h3>\n

\u00d6rne\u011fin bir para 30 y\u0131l boyunca bir bankada unutulmu\u015fsa bu para i\u00e7in bankan\u0131n devlete \u00f6dedi\u011fi vergi ve hesap i\u015fletim \u00fccreti bankaya \u00f6dendikten sonra yasal miras\u00e7\u0131lar\u0131 paray\u0131 alabiliyor. Fakat hesab\u0131n miras\u00e7\u0131s\u0131 oldu\u011funu ispatlamak \u00e7ok zor \u00e7\u00fcnk\u00fc bankalar \u00f6zel izinler olmad\u0131\u011f\u0131 m\u00fcddet\u00e7e \u201cBabam\u0131n burada hesab\u0131 varm\u0131\u015f\u201d diyerek yap\u0131lan ba\u015fvurular\u0131 hemen incelemiyor.<\/p>\n

\u0130ngiltere\u2019de ise devlet kurumlar\u0131 miras\u00e7\u0131lara yard\u0131mc\u0131 olurken banka ile son ana kadar hemen hemen temasa bile ge\u00e7ilmiyor. Berlin\u2019de ya\u015fayan avukat Thomas Lorenz, \u201cAlmanya\u2019da n\u00fcfus m\u00fcd\u00fcrl\u00fckleri her zaman bir \u015feyleri ara\u015ft\u0131rmak i\u00e7in doludur\u201d diyor.<\/p>\n

Almanya\u2019da ailenizden birine ait unutulmu\u015f bir banka hesab\u0131 oldu\u011funu d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z 220 \u00fcyeli bankalar birli\u011fine ba\u015fvuruyorsunuz. Buraya yapt\u0131\u011f\u0131n\u0131z ba\u015fvuruda vasinizin size b\u0131rakt\u0131\u011f\u0131 mallar\u0131 veya menkul k\u0131ymetleri g\u00f6steriyorsunuz. 2020 y\u0131l\u0131nda 1,700 Alman unutulan banka hesaplar\u0131n\u0131n kontrol\u00fcn\u00fc devralmak i\u00e7in kuruma ba\u015fvurmu\u015f. Almanya Bankalar Birli\u011fi (BdB) 20 euro gibi bir \u00fccret kar\u015f\u0131l\u0131\u011f\u0131 kay\u0131p hesap ara\u015ft\u0131rmas\u0131 yap\u0131yor.<\/p>\n

 BANKALAR AYAK D\u0130REYEB\u0130L\u0130YOR<\/strong><\/h3>\n

\u00d6zel bankalar da kay\u0131p hesap ara\u015ft\u0131rmas\u0131 yap\u0131yor ama buralar\u0131n ald\u0131\u011f\u0131 \u00fccretler 200-300 euroya kadar \u00e7\u0131kabiliyor. Frankfurt Y\u00fcksek Mahkemesi\u2019nin 2004 y\u0131l\u0131nda verdi\u011fi bir karara g\u00f6re hesap 20 y\u0131ll\u0131k da olsa 30 y\u0131ll\u0131k da olsa miras\u00e7\u0131s\u0131na kuru\u015fu kuru\u015funa \u00f6deme yap\u0131lmak zorunda.<\/p>\n

Peki sistem ger\u00e7ekte nas\u0131l i\u015fliyor?<\/strong> Avukatlar\u0131n anlat\u0131m\u0131na g\u00f6re; Almanya\u2019da baz\u0131 bankalar 10 y\u0131l boyunca hi\u00e7 hareket olmayan hesaplardaki paralar\u0131 ba\u015fka bir hesaba aktar\u0131yor ve bilan\u00e7oya \u2018ola\u011fan\u00fcst\u00fc gelir\u2019 olarak kay\u0131t ediyorlar ve miras\u00e7\u0131lar\u0131n paralar\u0131 alamad\u0131\u011f\u0131 da oluyor. B\u00f6yle oldu\u011fu zaman zaten faizden zarar eden miras\u00e7\u0131lar \u00fcst\u00fcne anaparay\u0131 da g\u00f6remiyorlar.<\/p>\n

Almanya\u2019n\u0131n 2000 y\u0131l\u0131nda Mark\u2019\u0131 b\u0131rak\u0131p euroyu da para birimi olarak kabul etti\u011fini hat\u0131rlatmak gerek. Bu y\u00fczden 30 y\u0131ll\u0131k hesaplardaki paralar bir de marktan euroya \u00e7evriliyor.<\/p>\n

T\u00dcRK\u0130YE\u2019DE DURUM NE?<\/strong><\/h3>\n

T\u00fcrkiye\u2019de bir banka hesab\u0131nda 10 y\u0131l boyunca i\u015flem yap\u0131lmazsa para Tasarruf Mevduat\u0131 Sigorta Fonu\u2019na (TMSF) devrediliyor. Her y\u0131l vadesi gelen hesaplarda Haziran ay\u0131n\u0131n 15\u2019ine kadar i\u015flem yap\u0131lmas\u0131 gerekiyor. Vatanda\u015flar e-devlet \u00fczerinden unuttuklar\u0131 bir banka hesab\u0131 olup olmad\u0131\u011f\u0131n\u0131 g\u00f6rebilirler. TMSF de bu hesaplar\u0131 internet \u00fczerinden ilan ediyor. 2018’de bankalarda unutulan mevduat miktar\u0131 yakla\u015f\u0131k 100 milyon liray\u0131 bulurken, TMSF’nin uyar\u0131lar\u0131 sonucu bu rakam A\u011fustos 2019’da 4,5 milyon lira olmu\u015ftu.<\/p>\n

2020 y\u0131l\u0131nda bankalarda unutulan toplam 217 milyon lira sahipleri ortaya \u00e7\u0131kmad\u0131\u011f\u0131 i\u00e7in TMSF\u2019ye devredildi. Son 10 y\u0131lda 1 milyon 44 bin hesapta hi\u00e7bir i\u015flem yap\u0131lmad\u0131.<\/p>\n

Kaynaklar: Die Welt, Haberglobal.com.tr<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Almanya’da unutulan banka hesaplar\u0131 b\u00fcy\u00fck sorun olmaya ba\u015flad\u0131. Vatanda\u015flar \u00f6len yak\u0131nlar\u0131n\u0131n miras\u00e7\u0131s\u0131 olduklar\u0131n\u0131 kan\u0131tlamak i\u00e7in banka banka geziyor. …<\/p>\n","protected":false},"author":2,"featured_media":20638,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-20637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/20637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/comments?post=20637"}],"version-history":[{"count":0,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/posts\/20637\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media\/20638"}],"wp:attachment":[{"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/media?parent=20637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/categories?post=20637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istanbulchannel.net\/index.php\/wp-json\/wp\/v2\/tags?post=20637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}