{"id":17930,"date":"2023-03-28T07:32:21","date_gmt":"2023-03-28T07:32:21","guid":{"rendered":"http:\/\/www.alohaber.net\/wp\/?p=17930"},"modified":"2023-03-28T07:32:21","modified_gmt":"2023-03-28T07:32:21","slug":"bireysel-emeklilik-sistemi-hakkinda-yonetmelikte-degisiklik-yapilmasina-dair-yonetmelik-5","status":"publish","type":"post","link":"https:\/\/www.alohaber.net\/wp\/2023\/03\/bireysel-emeklilik-sistemi-hakkinda-yonetmelikte-degisiklik-yapilmasina-dair-yonetmelik-5\/","title":{"rendered":"Bireysel Emeklilik Sistemi Hakk\u0131nda Y\u00f6netmelikte De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Y\u00f6netmelik"},"content":{"rendered":"

\"\"<\/a>28 Mart 2023 Tarihli Resmi Gazete Say\u0131: 32146 Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumundan: MADDE 1-\u00a09\/11\/2012\u00a0tarihli ve 28462 sa..<\/p>\n

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Bireysel Emeklilik Sistemi Hakk\u0131nda Y\u00f6netmelikte De\u011fi\u015fiklik Yap\u0131lmas\u0131na Dair Y\u00f6netmelik<\/strong><\/p>\n

Tarih:\u00a0
\n

28 Mart 2023 Tarihli Resmi Gazete<\/p>\n

Say\u0131: 32146<\/p>\n

Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumundan:<\/p>\n

MADDE 1-<\/strong>\u00a09\/11\/2012\u00a0tarihli ve 28462 say\u0131l\u0131 Resm\u00ee Gazete\u2019de yay\u0131mlanan\u00a0Bireysel Emeklilik Sistemi Hakk\u0131nda Y\u00f6netmeli\u011fin<\/a>\u00a010 uncu maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131na birinci c\u00fcmlesinden sonra gelmek \u00fczere a\u015fa\u011f\u0131daki c\u00fcmle eklenmi\u015ftir.<\/p>\n

\u201c\u015eu kadar ki, kat\u0131l\u0131mc\u0131 her fon da\u011f\u0131l\u0131m\u0131 de\u011fi\u015fikli\u011finde, BEFAS \u00fczerinden sunulan fonlar d\u00e2hil olmak \u00fczere azami yirmi fon tercihinde bulunabilir.\u201d<\/p>\n

MADDE 2-<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 13 \u00fcnc\u00fc maddesinin birinci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015f ve ayn\u0131 maddeye a\u015fa\u011f\u0131daki f\u0131kra eklenmi\u015ftir.<\/p>\n

\u201c(1) Bireysel emeklilik s\u00f6zle\u015fmesinde ve gruba ba\u011fl\u0131 bireysel emeklilik s\u00f6zle\u015fmesinde, s\u00f6zle\u015fmeden do\u011fan haklar kural olarak kat\u0131l\u0131mc\u0131 taraf\u0131ndan kullan\u0131l\u0131r. 26\/C maddesi h\u00fck\u00fcmleri sakl\u0131 kalmak \u015fart\u0131yla, bu s\u00f6zle\u015fmelerde, sistemden ayr\u0131lma ve emeklilik hakk\u0131 hari\u00e7 di\u011fer haklar\u0131n kat\u0131l\u0131mc\u0131 ad ve hesab\u0131na katk\u0131 pay\u0131 \u00f6deyen ki\u015filer,\u00a0sponsor\u00a0veya i\u015fveren taraf\u0131ndan kullan\u0131lmas\u0131 kararla\u015ft\u0131r\u0131labilir.\u201d<\/p>\n

\u201c(3) Kanun \u00e7er\u00e7evesinde, emeklili\u011fe y\u00f6nelik taahh\u00fctte bulunan dernek, vak\u0131f, sand\u0131k, t\u00fczel ki\u015fili\u011fi haiz meslek kurulu\u015fu veya sair ticaret \u015firketlerden bireysel emeklilik sistemine aktar\u0131m yapan \u00fcyeler, emeklilik hari\u00e7 t\u00fcm hak ve alaca\u011f\u0131n\u0131 hizmet sunucusuna devredebilir.\u201d<\/p>\n

MADDE 3-<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 15 inci maddesinin be\u015finci f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(5) Kat\u0131l\u0131mc\u0131n\u0131n vefat etmesi halinde birikimleri ve varsa devlet katk\u0131s\u0131 hesab\u0131ndaki tutar,\u00a022\/11\/2001\u00a0tarihli ve 4721 say\u0131l\u0131 T\u00fcrk Medeni Kanunu h\u00fck\u00fcmleri sakl\u0131 kalmak kayd\u0131yla varsa emeklilik s\u00f6zle\u015fmesinde belirtilen lehdarlara veya kanun\u00ee miras\u00e7\u0131lar\u0131na ilgili bilgi ve belgelerin \u015firkete ula\u015ft\u0131\u011f\u0131 tarihten itibaren yirmi i\u015f g\u00fcn\u00fc i\u00e7inde \u00f6denir.\u201d<\/p>\n

MADDE 4-<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 18 inci maddesinin \u00fc\u00e7\u00fcnc\u00fc f\u0131kras\u0131 a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201c(3) \u0130\u015fveren taraf\u0131ndan bu kurulu\u015ftaki i\u015fine hakl\u0131 nedenle fesih haricinde son verilmesi veya kat\u0131l\u0131mc\u0131n\u0131n 22\/5\/2003 tarihli ve\u00a04857 say\u0131l\u0131 \u0130\u015f Kanununa<\/a>\u00a0g\u00f6re hakl\u0131 nedenle i\u015finden ayr\u0131lmas\u0131 veya maluliyet gibi zorunlu nedenlerle i\u015finden ayr\u0131lmas\u0131 yahut i\u015fverenin aktar\u0131m durumu hari\u00e7 i\u015fveren grup emeklilik s\u00f6zle\u015fmesini feshetmesi, iflas yahut\u00a0konkordato\u00a0ilan etmesi veya i\u015fverenin r\u0131zas\u0131 halinde kat\u0131l\u0131mc\u0131, i\u015fveren taraf\u0131ndan kendi ad ve hesab\u0131na \u00f6denen katk\u0131 paylar\u0131 ile bunlar\u0131n getirilerinin t\u00fcm\u00fcne, hak kazanma s\u00fcresinin tamamlanmas\u0131n\u0131 beklemeksizin hak kazan\u0131r. Kat\u0131l\u0131mc\u0131n\u0131n vefat\u0131 halinde bu \u015fekildeki birikim, hak kazanma s\u00fcresinin tamamlanmas\u0131n\u0131 beklemeksizin\u00a04721 say\u0131l\u0131 Kanun<\/a>\u00a0h\u00fck\u00fcmleri sakl\u0131 kalmak kayd\u0131yla varsa emeklilik s\u00f6zle\u015fmesinde belirtilen lehdarlara veya kanun\u00ee miras\u00e7\u0131lar\u0131na \u00f6denir.\u201d<\/p>\n

MADDE 5-<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 23\/A maddesine a\u015fa\u011f\u0131daki f\u0131kra eklenmi\u015ftir.<\/p>\n

\u201c(2) Kurul, 26\/C maddesi kapsam\u0131na giren birikimlerin yat\u0131r\u0131ma y\u00f6nlendirilmesi amac\u0131yla BEFAS \u00fczerinden t\u00fcm \u015firketlerin i\u015flem yapaca\u011f\u0131 fonlar\u0131n; kurulmas\u0131, kesinti yap\u0131s\u0131 ve oranlar\u0131, say\u0131s\u0131, i\u00e7eri\u011fi ve y\u00f6netimine ili\u015fkin usul ve esaslar\u0131 Sermaye Piyasas\u0131 Kurulunun uygun g\u00f6r\u00fc\u015f\u00fcyle belirler.\u201d<\/p>\n

MADDE 6-<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fin 26\/B maddesi a\u015fa\u011f\u0131daki \u015fekilde de\u011fi\u015ftirilmi\u015ftir.<\/p>\n

\u201cMADDE 26\/B- (1) S\u00f6zle\u015fmeye ait fon paylar\u0131n\u0131n nakde d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc g\u00fcn\u00fc takip eden i\u015f g\u00fcn\u00fcnden sonra yap\u0131lan aktar\u0131m ve \u00f6demeler, bu tarih ile aktar\u0131m veya \u00f6demenin ger\u00e7ekle\u015ftirildi\u011fi tarih aras\u0131nda ge\u00e7en g\u00fcnler i\u00e7in\u00a04\/12\/1984\u00a0tarihli ve\u00a03095 say\u0131l\u0131 Kanuni Faiz ve Temerr\u00fct Faizine \u0130li\u015fkin Kanunun<\/a>\u00a02 nci maddesinde ticari i\u015flerde kullan\u0131lmak maksad\u0131yla belirlenen avans faiz oran\u0131 \u00fczerinden hesaplanan temerr\u00fct faizi y\u00fcr\u00fct\u00fclerek yap\u0131l\u0131r.<\/p>\n

(2) Fon paylar\u0131n\u0131n mevzuatta tan\u0131ml\u0131 azami s\u00fcreleri a\u015farak nakde d\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi durumunda;<\/p>\n

a) Mevzuatta tan\u0131ml\u0131 azami s\u00fcrenin son g\u00fcn\u00fcnde kat\u0131l\u0131mc\u0131n\u0131n bireysel emeklilik hesab\u0131nda bulunan birikim tutar\u0131na, bu tarih ile s\u00f6zle\u015fmeye ait fon paylar\u0131n\u0131n nakde d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc tarih aras\u0131nda ge\u00e7en g\u00fcnler i\u00e7in 3095 say\u0131l\u0131 Kanunun 2 nci maddesinde ticari i\u015flerde kullan\u0131lmak maksad\u0131yla belirlenen avans faiz oran\u0131 \u00fczerinden temerr\u00fct faizi hesaplan\u0131r,<\/p>\n

b) Mevzuatta tan\u0131ml\u0131 azami s\u00fcrenin son g\u00fcn\u00fcnde kat\u0131l\u0131mc\u0131n\u0131n bireysel emeklilik hesab\u0131nda bulunan birikim tutar\u0131ndan, fon paylar\u0131n\u0131n nakde d\u00f6n\u00fc\u015ft\u00fc\u011f\u00fc tarih itibar\u0131yla bir azalma meydana gelmesi halinde aradaki fark hesaplan\u0131r,<\/p>\n

ve\u00a0hesaplanan tutarlar nakde d\u00f6n\u00fc\u015f i\u015fleminin ger\u00e7ekle\u015fti\u011fi g\u00fcn nakit tutara ilave edilir.<\/p>\n

(3) Bu madde kapsam\u0131nda do\u011fan zararlar\u0131n eksik hesaplanarak i\u015flem yap\u0131lmas\u0131 halinde, eksik hesaplanan tutar, i\u015flemin ger\u00e7ekle\u015fti\u011fi tarihten itibaren 3095 say\u0131l\u0131 Kanunun 2 nci maddesinde ticari i\u015flerde kullan\u0131lmak maksad\u0131yla belirlenen avans faiz oran\u0131 \u00fczerinden hesaplanan temerr\u00fct faizi y\u00fcr\u00fct\u00fclerek kar\u015f\u0131lan\u0131r.\u201d<\/p>\n

MADDE 7-<\/strong>\u00a0Ayn\u0131 Y\u00f6netmeli\u011fe 26\/B maddesinden sonra gelmek \u00fczere a\u015fa\u011f\u0131daki madde eklenmi\u015ftir.<\/p>\n

\u201cAlaca\u011f\u0131n devri<\/p>\n

MADDE 26\/C- (1) Kat\u0131l\u0131mc\u0131, bireysel emeklilik s\u00f6zle\u015fmelerinden kaynakl\u0131 devlet katk\u0131s\u0131 hari\u00e7 alaca\u011f\u0131n\u0131n tamam\u0131n\u0131 veya bir k\u0131sm\u0131n\u0131 26 nc\u0131 madde kapsam\u0131nda fon paylar\u0131na ili\u015fkin tedbir, haciz, iflas, rehin ve benzeri her t\u00fcrl\u00fc idari ve adli talebe konu s\u00f6zle\u015fmeler hari\u00e7 olmak \u00fczere alaca\u011f\u0131n devri s\u00f6zle\u015fmesi yoluyla bankalara devredebilir. Bu madde kapsam\u0131nda devredilen bir s\u00f6zle\u015fme, mevcut alaca\u011f\u0131n devri s\u00f6zle\u015fmesi sonlanmadan ba\u015fka bir bankaya devredilemez. \u0130\u015fveren grup emeklilik s\u00f6zle\u015fmeleri devredilemez.<\/p>\n

(2) Alaca\u011f\u0131n\u0131 bankaya devreden kat\u0131l\u0131mc\u0131, alaca\u011f\u0131n devri s\u00f6zle\u015fmesinin y\u00fcr\u00fcrl\u00fckte bulundu\u011fu s\u00fcre i\u00e7inde ilgili s\u00f6zle\u015fmelerini sonland\u0131ramaz, bireysel emeklilik hesab\u0131ndaki birikimleri ba\u015fka \u015firketlere aktaramaz. Banka taraf\u0131ndan alaca\u011f\u0131n devri s\u00f6zle\u015fmesine konu tutar\u0131n tahsil edildi\u011fi veya ilgili kredi borcunun kapand\u0131\u011f\u0131 bilgisinin emeklilik g\u00f6zetim merkezi arac\u0131l\u0131\u011f\u0131yla \u015firkete bildirilmesini m\u00fcteakip alaca\u011f\u0131n devri s\u00f6zle\u015fmesi sona erer.<\/p>\n

(3) Devredilecek tutar, birikimdeki pay\u0131 oran\u0131nda, kat\u0131l\u0131mc\u0131n\u0131n hesab\u0131ndaki t\u00fcm fonlardan nakde d\u00f6n\u00fc\u015ft\u00fcr\u00fclerek elde edilir. \u015eirket, bu i\u015flemi ger\u00e7ekle\u015ftirirken nakde d\u00f6n\u00fc\u015f talimat\u0131n\u0131 verdi\u011fi g\u00fcn itibar\u0131yla ge\u00e7erli olan birikim ve fon da\u011f\u0131l\u0131m\u0131n\u0131 esas al\u0131r. Devredilecek tutar, Kurul taraf\u0131ndan belirlenen fonlarda yat\u0131r\u0131ma y\u00f6nlendirilir ve bu fon paylar\u0131na ili\u015fkin kat\u0131l\u0131mc\u0131 taraf\u0131ndan i\u015flemde bulunulamaz.<\/p>\n

(4) Banka, kredi borcunun muaccel hale gelmesinden otuz g\u00fcn sonra, kalan borcu devredilen alacaktan tahsil etmek i\u00e7in talepte bulunabilir. Bu durumda kalan bor\u00e7 tutar\u0131n\u0131n \u00f6denmesinde emeklilik s\u00f6zle\u015fmesinin sonland\u0131r\u0131lmas\u0131 suretiyle ilgili bor\u00e7 kat\u0131l\u0131mc\u0131ya \u00f6denecek nakit tutar\u0131ndan d\u00fc\u015f\u00fclerek bankaya \u00f6denir.<\/p>\n

(5) \u0130kinci f\u0131krada belirtilen bildirimin yap\u0131lmas\u0131n\u0131 m\u00fcteakip iki i\u015f g\u00fcn\u00fc i\u00e7inde,\u00a0\u00a0\u00fc\u00e7\u00fcnc\u00fc f\u0131kra kapsam\u0131nda belirtilen fonlarda yat\u0131r\u0131ma y\u00f6nlendirilmi\u015f birikim tutar\u0131 nakde d\u00f6n\u00fc\u015ft\u00fcr\u00fclerek kat\u0131l\u0131mc\u0131n\u0131n g\u00fcncel fon da\u011f\u0131l\u0131m tercihlerine uygun olarak da\u011f\u0131t\u0131l\u0131r.<\/p>\n

(6) Bu madde kapsam\u0131nda yap\u0131lan fon da\u011f\u0131l\u0131m de\u011fi\u015fiklikleri i\u00e7in kat\u0131l\u0131mc\u0131n\u0131n fon da\u011f\u0131l\u0131m de\u011fi\u015fikli\u011fi hakk\u0131 kullan\u0131lm\u0131\u015f say\u0131lmaz.<\/p>\n

(7) Emeklilik g\u00f6zetim merkezi, bu maddenin uygulanmas\u0131na y\u00f6nelik kat\u0131l\u0131mc\u0131lar, bankalar, \u015firketler ve \u0130stanbul Takas ve Saklama Bankas\u0131 A.\u015e. aras\u0131ndaki i\u015flemlerin ve veri\u00a0entegrasyonunun\u00a0ger\u00e7ekle\u015fmesini sa\u011flayacak elektronik altyap\u0131 hizmetini sunar. Bu kapsamdaki hizmetler i\u00e7in emeklilik g\u00f6zetim merkezi taraf\u0131ndan al\u0131nacak hizmet bedelleri emeklilik g\u00f6zetim merkezi taraf\u0131ndan Kurumun uygun g\u00f6r\u00fc\u015f\u00fc al\u0131narak belirlenir.<\/p>\n

(8) Alaca\u011f\u0131n devri s\u00f6zle\u015fmesinin i\u00e7eri\u011fine ve yedinci f\u0131kra kapsam\u0131ndaki altyap\u0131 hizmetine ili\u015fkin usul ve esaslar Kurumca belirlenir.\u201d<\/p>\n

MADDE 8-<\/strong>\u00a0Bu Y\u00f6netmelik yay\u0131m\u0131 tarihinden 6 ay sonra y\u00fcr\u00fcrl\u00fc\u011fe girer.<\/p>\n

MADDE 9-<\/strong>\u00a0Bu Y\u00f6netmelik h\u00fck\u00fcmlerini Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumu Ba\u015fkan\u0131 y\u00fcr\u00fct\u00fcr.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

28 Mart 2023 Tarihli Resmi Gazete Say\u0131: 32146 Sigortac\u0131l\u0131k ve \u00d6zel Emeklilik D\u00fczenleme ve Denetleme Kurumundan: MADDE 1-\u00a09\/11\/2012\u00a0tarihli ve 28462 sa..  <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-17930","post","type-post","status-publish","format-standard","hentry","category-mevzuat-haberleri"],"_links":{"self":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/17930","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/comments?post=17930"}],"version-history":[{"count":1,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/17930\/revisions"}],"predecessor-version":[{"id":17931,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/posts\/17930\/revisions\/17931"}],"wp:attachment":[{"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/media?parent=17930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/categories?post=17930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.alohaber.net\/wp\/wp-json\/wp\/v2\/tags?post=17930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}