{"id":33831,"date":"2025-11-25T12:06:30","date_gmt":"2025-11-25T12:06:30","guid":{"rendered":"https:\/\/by-tv.co.uk\/?p=33831"},"modified":"2025-11-25T12:06:30","modified_gmt":"2025-11-25T12:06:30","slug":"bankalar-vergisiz-tasarruf-limitinde-beklenen-dusus-oncesi-faiz-rekabetine-girdi","status":"publish","type":"post","link":"https:\/\/by-tv.co.uk\/en\/bankalar-vergisiz-tasarruf-limitinde-beklenen-dusus-oncesi-faiz-rekabetine-girdi\/","title":{"rendered":"Bankalar, Vergisiz Tasarruf Limitinde Beklenen D\u00fc\u015f\u00fc\u015f \u00d6ncesi Faiz Rekabetine Girdi"},"content":{"rendered":"

\u0130ngiltere’de h\u00fck\u00fcmetin bireysel tasarruf hesaplar\u0131 (Isa) \u00fczerindeki vergisiz y\u0131ll\u0131k tasarruf limitini 20.000 sterlinden 12.000 sterline d\u00fc\u015f\u00fcrmeye haz\u0131rlanmas\u0131, bankalar aras\u0131nda faiz oranlar\u0131 rekabetini tetikledi. The Private Office<\/strong> adl\u0131 finansal dan\u0131\u015fmanl\u0131k \u015firketine g\u00f6re, son bir ayda 11 farkl\u0131 kolay eri\u015fimli ve sabit oranl\u0131 Isa hesab\u0131nda faiz art\u0131\u015f\u0131 ya\u015fand\u0131.<\/p>\n

The Times’\u0131n haberine g\u00f6re, Maliye Bakan\u0131 Rachel Reeves\u2019in \u00e7ar\u015famba g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 b\u00fct\u00e7ede, s\u00f6z konusu d\u00fc\u015f\u00fc\u015f resmiyet kazanacak. Bu geli\u015fme \u00f6ncesinde bir\u00e7ok tasarruf sahibi mevcut y\u00fcksek faiz oranlar\u0131ndan yararlanmak i\u00e7in harekete ge\u00e7ti.<\/p>\n

En y\u00fcksek faizli Isa hesaplar\u0131nda art\u0131\u015f<\/h4>\n

Tasarruf uygulamas\u0131 Moneybox, \u00fc\u00e7 kez para \u00e7ekme hakk\u0131 tan\u0131yan kolay eri\u015fimli nakit Isa\u2019s\u0131n\u0131n faiz oran\u0131n\u0131 %4,22\u2019den %4,47\u2019ye \u00e7\u0131kararak piyasa lideri konumuna geldi. Principality Building Society 28 Ekim’de y\u0131ll\u0131k be\u015f para \u00e7ekmeye izin veren %4,2 faizli bir hesap sunarken, Teachers Building Society ise yaln\u0131zca iki kez para \u00e7ekme hakk\u0131 tan\u0131yan ve %4,15 faiz sunan bir hesap ba\u015flatt\u0131.<\/p>

\"\"<\/a><\/div>\n

Vanquis Bank, bir y\u0131ll\u0131k sabit Isa hesab\u0131n\u0131n faizini %4,16\u2019dan %4,25\u2019e, iki y\u0131ll\u0131k sabit hesab\u0131nkini ise %4,09\u2019dan %4,15\u2019e \u00e7\u0131kard\u0131. Bu art\u0131\u015flarla Vanquis, bir y\u0131ll\u0131k sabit Isa\u2019da en y\u00fcksek oran\u0131 sunan banka konumuna geldi. \u0130ki y\u0131ll\u0131k Isa\u2019da ise zirvede %4,16 ile UBL Bank yer al\u0131yor. Charter Savings Bank ise ge\u00e7ti\u011fimiz hafta %4,13 faizli iki y\u0131ll\u0131k yeni bir hesap sundu.<\/p>\n

The Private Office\u2019ten Anna Bowes, faizlerin normalde Merkez Bankas\u0131\u2019n\u0131n faiz indirimi beklentisi oldu\u011fu d\u00f6nemlerde d\u00fc\u015fmesi gerekti\u011fini belirterek, \u201cBu art\u0131\u015flar ola\u011fan d\u0131\u015f\u0131. Bu f\u0131rsatlar \u00e7ok uzun s\u00fcrmeyebilir, sabit oranl\u0131 hesaplara y\u00f6nelmek isteyenler i\u00e7in \u015fu an do\u011fru zaman olabilir,\u201d dedi.<\/p>\n

Tasarruf limitinde kesinti, yat\u0131r\u0131m odakl\u0131 bir stratejinin par\u00e7as\u0131<\/h4>\n

\u0130ngiltere Merkez Bankas\u0131\u2019n\u0131n aral\u0131k ay\u0131nda politika faizini %4\u2019ten %3,75\u2019e indirmesi bekleniyor. Uzmanlar bu indirimin, tasarruf hesaplar\u0131nda sunulan faiz oranlar\u0131n\u0131n da gerilemesine yol a\u00e7abilece\u011fini \u00f6ng\u00f6r\u00fcyor. H\u00fck\u00fcmetin Isa limitini d\u00fc\u015f\u00fcrme plan\u0131 ise, daha fazla bireyin yat\u0131r\u0131m hesaplar\u0131na y\u00f6nelmesini sa\u011flamay\u0131 ve bu yolla \u0130ngiltere borsas\u0131 ile genel ekonomiyi canland\u0131rmay\u0131 hedefliyor.<\/p>\n

Bank of England verilerine g\u00f6re, 2025 mali y\u0131l\u0131n\u0131n ba\u015flad\u0131\u011f\u0131 nisan ay\u0131ndan bu yana net 26,9 milyar sterlinlik mevduat nakit Isa hesaplar\u0131na yat\u0131r\u0131ld\u0131. Sadece eyl\u00fcl ay\u0131nda bu tutar 2,4 milyar sterlini buldu.<\/p>\n

Hargreaves Lansdown\u2019dan Mark Hicks, eyl\u00fclden bu yana bireysel m\u00fc\u015fterilerin nakit Isa a\u00e7ma oran\u0131n\u0131n ge\u00e7en y\u0131la g\u00f6re %100 artt\u0131\u011f\u0131n\u0131 belirtti: \u201cHerhangi bir de\u011fi\u015fiklik hemen y\u00fcr\u00fcrl\u00fc\u011fe girmeyecek olsa da, tasarruf sahipleri f\u0131rsatlar\u0131 ka\u00e7\u0131rma endi\u015fesiyle harekete ge\u00e7mi\u015f durumda.\u201d<\/p>\n

Planlanan kesintiye kar\u015f\u0131 ele\u015ftiriler<\/h4>\n

Mevcut vergi avantajlar\u0131n\u0131 korumak isteyen tasarruf\u00e7ular\u0131n ilgisi artarken, baz\u0131 kesimler planlanan d\u00fczenlemeye ele\u015ftirel yakla\u015f\u0131yor. Parlamento\u2019daki Hazine Se\u00e7im Komitesi ge\u00e7en ay yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, bu t\u00fcr bir kesintinin yat\u0131r\u0131m oranlar\u0131n\u0131 art\u0131rmas\u0131n\u0131n muhtemel olmad\u0131\u011f\u0131n\u0131 belirtmi\u015fti. Building Societies Association taraf\u0131ndan yap\u0131lan bir ankette ise, yat\u0131r\u0131m ama\u00e7l\u0131 Isa sahibi olanlar\u0131n %74\u2019\u00fc, bu fonlar\u0131 ihtiya\u00e7 an\u0131nda nakit Isa\u2019ya \u00e7evirebilmenin \u00f6nemli oldu\u011funu ifade etti.<\/p>\n

\"\"<\/a><\/div>","protected":false},"excerpt":{"rendered":"

\u0130ngiltere’de h\u00fck\u00fcmetin bireysel tasarruf hesaplar\u0131 (Isa) \u00fczerindeki vergisiz y\u0131ll\u0131k tasarruf limitini 20.000 sterlinden 12.000 sterline d\u00fc\u015f\u00fcrmeye haz\u0131rlanmas\u0131, bankalar aras\u0131nda faiz oranlar\u0131 rekabetini tetikledi. The Private Office adl\u0131 finansal dan\u0131\u015fmanl\u0131k \u015firketine g\u00f6re, son bir ayda 11 farkl\u0131 kolay eri\u015fimli ve sabit oranl\u0131 Isa hesab\u0131nda faiz art\u0131\u015f\u0131 ya\u015fand\u0131. The Times’\u0131n haberine g\u00f6re, Maliye Bakan\u0131 Rachel Reeves\u2019in \u00e7ar\u015famba g\u00fcn\u00fc a\u00e7\u0131klayaca\u011f\u0131 b\u00fct\u00e7ede, s\u00f6z konusu d\u00fc\u015f\u00fc\u015f resmiyet kazanacak. Bu geli\u015fme \u00f6ncesinde bir\u00e7ok tasarruf sahibi mevcut y\u00fcksek faiz oranlar\u0131ndan yararlanmak i\u00e7in harekete ge\u00e7ti. En y\u00fcksek faizli Isa hesaplar\u0131nda art\u0131\u015f Tasarruf uygulamas\u0131 Moneybox, \u00fc\u00e7 kez para \u00e7ekme hakk\u0131 tan\u0131yan kolay eri\u015fimli nakit Isa\u2019s\u0131n\u0131n faiz oran\u0131n\u0131 %4,22\u2019den %4,47\u2019ye […]<\/p>\n","protected":false},"author":1,"featured_media":31160,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[5269],"tags":[],"class_list":["post-33831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-birlesik-krallik"],"_links":{"self":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/33831","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/comments?post=33831"}],"version-history":[{"count":1,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/33831\/revisions"}],"predecessor-version":[{"id":33832,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/posts\/33831\/revisions\/33832"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media\/31160"}],"wp:attachment":[{"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/media?parent=33831"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/categories?post=33831"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/by-tv.co.uk\/en\/wp-json\/wp\/v2\/tags?post=33831"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}