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Special (Katlanan) Plan

Türkiye Emlak Katılım Bankası A.Ş. internet sitesini ziyaretiniz esnasında kullanılabilecek çerezler ve benzeri teknolojiler hakkında bilgi vermek amacıyla işbu Çerez Politikası’nı hazırlanmıştır.

Special (Katlanan) Plan

Homepage Retail Insurance and Pensions Individual Pension Plans Special (Katlanan) Plan

Special Pension Plan:

  • You can join this system with monthly minimum 820 TL and make savings with high contribution margin in a short time.
  • Your savings increase incrementally with 25% state contribution. You will be entitled to retirement at the age of 56 provided that you have been in the system for at least 10 years from the date of your entry to the private pension system.
  • You can update your fund distribution 6 times a year and create the most appropriate investment bundle for your investment conditions.
  • You pay no entrance fee for Special Pension Plan.
  • In case of leaving the system before completion of the 5th year of the contract, the delayed entrance fee will be charged. For each contract year, the amount corresponding to 8.5% of Monthly Gross Minimum Wage (MGMW) to be implemented in the relevant fiscal year shall be deducted from the total amount corresponding to the period until the end of the fifth year of the contract, the uncollected portion and / or the prepaid portion are deducted from the accumulation as delayed entrance fee.
  • In calculation of the deduction for uncollected years, Monthly Gross Minimum Wage (MGMW) to be implemented in the relevant fiscal year of leaving date is taken into consideration.
  • No delayed entry fee will be collected from those who have completed the fifth year, or who leave the plan either due to death or disability or using their right for retirement.

Administrative Expenses Fee:

Based on contract year since contract has been effective:

80 TL of MGMW for the 1st year

40 TL of MGMW for the 2nd year

40 TL of MGMW for the 3rd year

40 TL of MGMW for the 4th year

40 TL of MGMW for the 5th year

The deduction amounts to be deducted from the accumulation in the plan shall not exceed the annual and 5-year deduction upper limits specified in the legislation.

The deductions to be made during the contract year will be applied at the maximum rates specified in the legislation. Regarding the amount of AEF to be taken from accumulation;

  • The first deduction from the accumulation will be deducted from the accumulation within the first year of the contract following the funding of the contribution. The deductions defined in the plan for the following years will be deducted from the accumulation within the relevant contract year.
  • In case deductions to be taken from accumulation in the plan cause the total accumulation to go down below TL 0, the amount that cause to go down below TL 0 cannot be collected. The amount that is not collected will be collected in the related contract year when there is available balance.

Administrative Expenses Fee in case of Suspension

Suspension deduction defined in the plan is collected as monthly 5 (five) TL during the suspension period as mentioned in the legislation and the remaining amount following the deduction of the amount deducted as administrative expenses fee is collected in a way not to exceed the annual and 5-year upper limits.

Administrative Expenses Fee to be Received on Additional Contribution

No administrative expenses fee is collected on additional contribution in Special (Katlanan) Pension Plan.

Private Pension Products are offered by Katılım Emeklilik.

Emlak Katılım is the agent of Katılım Emeklilik A.Ş.