{"id":36243,"date":"2025-06-21T22:30:46","date_gmt":"2025-06-21T19:30:46","guid":{"rendered":"https:\/\/kilosorunum.com\/habercim\/wp-content\/uploads\/2025\/06\/1-195.jpg"},"modified":"2025-06-21T22:31:29","modified_gmt":"2025-06-21T19:31:29","slug":"1-3234","status":"inherit","type":"attachment","link":"https:\/\/adanaseshaber.com.tr\/habercim\/foto-galeri\/erken-emekli-olmak-isteyenler\/attachment\/1-3234\/","title":{"rendered":"Erken emekli olmak isteyenler"},"author":2,"comment_status":"open","ping_status":"closed","template":"","meta":[],"description":{"rendered":"<p class=\"attachment\"><a href='https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195.jpg'><img width=\"300\" height=\"169\" src=\"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-300x169.jpg\" class=\"attachment-medium size-medium\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-300x169.jpg 300w, https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-1024x576.jpg 1024w, https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-768x432.jpg 768w, https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195.jpg 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n"},"caption":{"rendered":"<p>T\u00fcrkiye\u2019de emeklilik sisteminde ayl\u0131k \u00f6denen dosya say\u0131s\u0131 16 milyona ula\u015fm\u0131\u015f durumda. Bak\u0131ld\u0131\u011f\u0131 zaman 1.8 \u00e7al\u0131\u015fana bir emekli d\u00fc\u015f\u00fcyor. Bunun olmas\u0131 gereken oran\u0131 ise 4 \u00e7al\u0131\u015fana bir emeklinin d\u00fc\u015fmesi. Dolay\u0131s\u0131yla bu dengenin sa\u011flanamamas\u0131 hem sosyal g\u00fcvenlik sistemini zora sokuyor hem de emeklilerin daha y\u00fcksek ayl\u0131k almalar\u0131n\u0131 \u00f6nl\u00fcyor. Orta Vadeli Program\u2019da (OVP) emeklilik sistemi ve maa\u015f hesaplama y\u00f6ntemlerini de i\u00e7ine alan bir dizi d\u00fczenlemenin yap\u0131lmas\u0131 \u00f6ng\u00f6r\u00fcld\u00fc. Buna g\u00f6re sadece kazan\u00e7lar de\u011fil prim g\u00fcn say\u0131s\u0131 da emekli maa\u015f\u0131n\u0131 art\u0131racak. Takvim Gazetesi Genel Yay\u0131n Y\u00f6netmeni Faruk Erdem detaylar\u0131 payla\u015ft\u0131. \u015eu an uygulanan emekli maa\u015f\u0131nda \u00fc\u00e7l\u00fc sistem var. Yani 1999 \u00f6ncesi, 2000-2008 aras\u0131 ve 2008 sonras\u0131 olmak \u00fczere \u00fc\u00e7 ayr\u0131 hesaplama yap\u0131larak toplan\u0131yor. Bu \u00fc\u00e7 d\u00f6nem i\u00e7in ayr\u0131 Ayl\u0131k Ba\u011flama Oran\u0131 (ABO) ve \u00e7arpanlar kullan\u0131ld\u0131\u011f\u0131 i\u00e7in 1999 \u00f6ncesi \u00e7al\u0131\u015fmas\u0131 \u00e7ok olan avantajl\u0131 hale geliyor.<br \/>\nAyl\u0131k hesaplamas\u0131nda hangi kriterler kullan\u0131l\u0131yor?<br \/>\nSigortal\u0131n\u0131n \u00e7al\u0131\u015f\u0131rken \u00f6dedi\u011fi primler (SPEK: Sosyal G\u00fcvenlik Prime Esas kazan\u00e7)<br \/>\n\u00dc\u00e7 d\u00f6nem i\u00e7in ayl\u0131k ba\u011flama oranlar\u0131 (ABO)<br \/>\n\u00d6nceki y\u0131l\u0131n g\u00fcncelleme katsay\u0131s\u0131<br \/>\n\u00d6nceki y\u0131l\u0131n enflasyon oran\u0131<br \/>\n\u00d6nceki y\u0131l b\u00fcy\u00fcmenin y\u00fczde 30\u2019u<br \/>\n\u0130\u00e7inde bulunulan y\u0131l\u0131n enflasyon art\u0131\u015flar\u0131.<br \/>\nMevcut sistemde y\u00fcksek emekli maa\u015f\u0131 alabilmek i\u00e7in \u00f6ncelikle prime esas kazanc\u0131 yani br\u00fct maa\u015f\u0131 y\u00fcksek tutmak gerekiyor. 1999 \u00f6ncesi \u00e7al\u0131\u015fmalar daha \u00e7ok katk\u0131 yap\u0131yor. Bir de dilek\u00e7e verece\u011finiz y\u0131l maa\u015f\u0131n\u0131z\u0131 etkileyebiliyor. Maa\u015f ba\u011flan\u0131rken kullan\u0131lan g\u00fcncelleme katsay\u0131s\u0131 y\u0131ldan y\u0131la ayl\u0131klar\u0131 da de\u011fi\u015ftiriyor. \u00d6rne\u011fin 2024 y\u0131l\u0131nda uygulanan g\u00fcncelleme katsay\u0131s\u0131 2023 y\u0131l\u0131 enflasyon ve b\u00fcy\u00fcme oranlar\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda 2025\u2019de uygulanacak olandan y\u00fczde 30 y\u00fcksek \u00e7\u0131kt\u0131. Yani 2024\u2019te emekli olanlara bu y\u0131l olanlardan y\u00fcksek maa\u015f hesapland\u0131. Enflasyon giderek d\u00fc\u015ft\u00fc\u011f\u00fc i\u00e7in benzer bir durum 2025 ile 2026 aras\u0131nda da ya\u015fanacak.<br \/>\n\u00d6RNEK HESAPLAMA<\/p>\n<p>Ocak 2024 y\u0131l\u0131 maa\u015f\u0131: 10.000 TL<\/p>\n<p>2025\u2019TE D\u0130LEK\u00c7E VER\u0130L\u0130RSE:<\/p>\n<p>2024 g\u00fcncellemesi:<br \/>\n10.000 \u00d7 1,4544 = 14.544 TL<\/p>\n<p>2025 y\u0131l\u0131 zamlar\u0131 tahmini:<br \/>\n14.544 \u00d7 1,3659 = 19.866 TL<\/p>\n<p>Ayr\u0131ca 2026 zamlar\u0131 da eklenecek.<\/p>\n<p>2026\u2019DA D\u0130LEK\u00c7E VER\u0130L\u0130RSE:<\/p>\n<p>2024 g\u00fcncellemesi:<br \/>\n10.000 \u00d7 1,4544 = 14.544 TL<\/p>\n<p>2025 g\u00fcncellemesi:<br \/>\n14.544 \u00d7 1,2520 (tahmini) = 18.209 TL<\/p>\n<p>Ayr\u0131ca 2026 zamlar\u0131 da eklenecek. G\u00fcncelleme katsay\u0131s\u0131nda kullan\u0131lan parametreler (enflasyon, b\u00fcy\u00fcme) de\u011fi\u015fken oldu\u011fu i\u00e7in her y\u0131l bu farkl\u0131l\u0131k ortaya \u00e7\u0131kacak. Bu sorunun \u00e7\u00f6z\u00fcm\u00fc i\u00e7in sabit bir g\u00fcncelleme katsay\u0131s\u0131 d\u00fc\u015f\u00fcn\u00fcl\u00fcyor. E\u011fer katsay\u0131 bir rakamda sabitlenirse y\u0131llar aras\u0131ndaki farkl\u0131l\u0131k da ortadan kalkar. Kamu Denet\u00e7isi Abdullah Cengiz Makas da TBMM\u2019de komisyona sunum yaparak, bu konuda bir yasal d\u00fczenleme yap\u0131lmas\u0131 gerekti\u011fini belirtti. Bu iddia do\u011fru de\u011fil. \u015eu andaki sistemde de ne kadar \u00e7ok prim \u00f6denirse emekli maa\u015f\u0131 o kadar art\u0131yor. Ancak b\u00fct\u00fcn hayat\u0131 boyunca asgari \u00fccretten prim \u00f6deyenler, \u00f6rne\u011fin Ba\u011f-Kur\u2019lular daha d\u00fc\u015f\u00fck maa\u015f al\u0131yor. Y\u00fcksek prim \u00f6deyip sonradan asgari \u00fccretten \u00f6deyenler i\u00e7in de y\u00fcksek hesaplamada d\u00fc\u015fme ya\u015fan\u0131yor. Sadece yat\u0131r\u0131lan Prime Esas Kazan\u00e7 miktarlar\u0131 de\u011fil \u00e7al\u0131\u015fma g\u00fcn say\u0131lar\u0131 da etkili olacak. B\u00f6ylece emeklilikte daha \u00e7ok ayl\u0131k almak isteyenler sistemde daha \u00e7ok kalmay\u0131 tercih edecek.<\/p>\n<p>Ayl\u0131k hesaplar\u0131 ile ilgili sorunlar nas\u0131l \u00e7\u00f6z\u00fclebilir? \u015eu de\u011fi\u015fiklikler sorunlar\u0131 \u00f6nemli \u00f6l\u00e7\u00fcde \u00e7\u00f6zebilir:<\/p>\n<p>Ayl\u0131k ba\u011flama sistemi \u00fc\u00e7l\u00fc karma yap\u0131dan kurtar\u0131lmal\u0131, tek ABO ve g\u00fcncelleme ile sadele\u015fmelidir.<br \/>\n\u00c7ok \u00e7al\u0131\u015f\u0131p y\u00fcksek prim \u00f6deyen sigortal\u0131lar\u0131n y\u00fcksek emekli ayl\u0131\u011f\u0131 almas\u0131n\u0131 sa\u011flayacak sistem emeklili\u011fi de\u011fil \u00e7al\u0131\u015fmay\u0131 te\u015fvik edecek, kay\u0131t d\u0131\u015f\u0131l\u0131\u011f\u0131 da \u00f6nleyecektir.<br \/>\nBelirlenecek ortalama bir g\u00fcncelleme katsay\u0131s\u0131 iki y\u0131l aras\u0131nda emekli olanlar\u0131n ayl\u0131k farkl\u0131l\u0131klar\u0131n\u0131 da ortadan kald\u0131racakt\u0131r.<br \/>\n6 ayl\u0131k enflasyon kadar yap\u0131lan art\u0131\u015flar yerine yer ay bir \u00f6nceki ay\u0131n enflasyonu kadar yap\u0131lacak art\u0131\u015f, emekli ayl\u0131klar\u0131ndaki erimeyi \u00f6nleyece\u011fi gibi, refah pay\u0131 gibi tart\u0131\u015fmalar\u0131 ortadan kald\u0131racak, de\u011fi\u015fen g\u00fcncelleme katsay\u0131s\u0131 sorununu da \u00e7\u00f6zecektir.<br \/>\nAyl\u0131k ba\u011flama sistemindeki karma yap\u0131n\u0131n sadele\u015fmesi.<br \/>\nEnflasyon art\u0131\u015flar\u0131n\u0131n yeniden d\u00fczenlenmesi..<\/p>\n<p>Kaynak : ahaber.com.tr<\/p>\n"},"alt_text":"","media_type":"image","mime_type":"image\/jpeg","media_details":{"width":1200,"height":675,"file":"2025\/06\/1-195.jpg","sizes":{"medium":{"file":"1-195-300x169.jpg","width":300,"height":169,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-300x169.jpg"},"large":{"file":"1-195-1024x576.jpg","width":1024,"height":576,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-1024x576.jpg"},"thumbnail":{"file":"1-195-150x150.jpg","width":150,"height":150,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-150x150.jpg"},"medium_large":{"file":"1-195-768x432.jpg","width":768,"height":432,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-768x432.jpg"},"kucukResim":{"file":"1-195-80x50.jpg","width":80,"height":50,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-80x50.jpg"},"sliderResim":{"file":"1-195-670x330.jpg","width":670,"height":330,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-670x330.jpg"},"resim1":{"file":"1-195-184x140.jpg","width":184,"height":140,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-184x140.jpg"},"resim2":{"file":"1-195-216x103.jpg","width":216,"height":103,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-216x103.jpg"},"resim3":{"file":"1-195-145x70.jpg","width":145,"height":70,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-145x70.jpg"},"sagSlider":{"file":"1-195-300x150.jpg","width":300,"height":150,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-300x150.jpg"},"yeniSlider":{"file":"1-195-500x290.jpg","width":500,"height":290,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195-500x290.jpg"},"full":{"file":"1-195.jpg","width":1200,"height":675,"mime_type":"image\/jpeg","source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195.jpg"}},"image_meta":{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0","keywords":[]}},"post":36241,"source_url":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-content\/uploads\/2025\/06\/1-195.jpg","_links":{"self":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/media\/36243"}],"collection":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/media"}],"about":[{"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/types\/attachment"}],"author":[{"embeddable":true,"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/adanaseshaber.com.tr\/habercim\/wp-json\/wp\/v2\/comments?post=36243"}]}}