{"id":120,"date":"2026-10-03T11:44:53","date_gmt":"2026-10-03T10:44:53","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/birlesik-faiz-orani\/"},"modified":"2026-10-03T11:44:53","modified_gmt":"2026-10-03T10:44:53","slug":"birlesik-faiz-orani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/birlesik-faiz-orani\/","title":{"rendered":"Birle\u015fik Faiz Oran\u0131 Hesaplay\u0131c\u0131s\u0131"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">\u0130ki Kredinin Birle\u015fik Faiz Oran\u0131 Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"120\" data-favorite-title=\"Birle\u015fik Faiz Oran\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/birlesik-faiz-orani\/\" data-favorite-excerpt=\"Farkl\u0131 tutarlara ve oranlara sahip iki kredinin birle\u015fik faiz oran\u0131n\u0131 hesaplay\u0131n. Efektif olarak \u00f6dedi\u011finiz a\u011f\u0131rl\u0131kl\u0131 ortalama oran\u0131 bulmak i\u00e7in her kredinin bakiyesini ve oran\u0131n\u0131 girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/birlesik-faiz-orani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-120\" data-post=\"120\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">\u0130lk kredi tutar\u0131<\/label><div class=\"term\">L1<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"lk_kredi_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">\u0130lk kredinin tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">\u0130lk kredi faiz oran\u0131<\/label><div class=\"term\">r1<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"lk_kredi_faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">\u0130lk kredinin faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">\u0130kinci kredi tutar\u0131<\/label><div class=\"term\">L2<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"kinci_kredi_tutar\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"50000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">\u0130kinci kredinin tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">\u0130kinci kredi faiz oran\u0131<\/label><div class=\"term\">r2<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"kinci_kredi_faiz_oran\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">\u0130kinci kredinin faiz oran\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"120\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Karma Faiz Oran\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"120\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Bu sonu\u00e7 hakk\u0131nda ne d\u00fc\u015f\u00fcn\u00fcyorsunuz?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Be\u011fendim <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Faydal\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Kafam kar\u0131\u015ft\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Hayal k\u0131r\u0131kl\u0131\u011f\u0131 <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Hatal\u0131 <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Birle\u015fik Faiz Oran\u0131 Form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{Birle\u015fik Oran (\\%)} = \\frac{L_1 \\times r_1 + L_2 \\times r_2}{L_1 + L_2} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(L_1\\) \u2014 ilk kredinin tutar\u0131<\/li>\n<li>\\(r_1\\) \u2014 ilk kredinin faiz oran\u0131 (%)<\/li>\n<li>\\(L_2\\) \u2014 ikinci kredinin tutar\u0131<\/li>\n<li>\\(r_2\\) \u2014 ikinci kredinin faiz oran\u0131 (%)<\/li>\n<\/ul>\n<p>Form\u00fcl bir a\u011f\u0131rl\u0131kl\u0131 ortalamad\u0131r: her kredinin oran\u0131, toplam bor\u00e7 i\u00e7indeki pay\u0131yla orant\u0131l\u0131 olarak sonuca katk\u0131da bulunur; bu nedenle sonu\u00e7 her zaman iki oran aras\u0131nda yer al\u0131r.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Birle\u015fik Oran \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 100.000 $ tutar\u0131nda ve %4 faizli bir ilk krediniz ile 50.000 $ tutar\u0131nda ve %6 faizli bir ikinci krediniz var ve toplam 150.000 $ bor\u00e7 \u00fczerinden birle\u015fik oran\u0131 \u00f6\u011frenmek istiyorsunuz.<\/p>\n<p>\\[ \\text{Birle\u015fik Oran} = \\frac{100{,}000 \\times 4 + 50{,}000 \\times 6}{100{,}000 + 50{,}000} = \\frac{400{,}000 + 300{,}000}{150{,}000} \\]<\/p>\n<p>\\[ \\text{Birle\u015fik Oran} = \\frac{700{,}000}{150{,}000} \\approx 4.67\\% \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> birle\u015fik faiz oran\u0131, birle\u015ftirilmi\u015f 150.000 $ bor\u00e7 \u00fczerinden yakla\u015f\u0131k <strong>%4,67<\/strong> d\u00fczeyindedir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Birle\u015fik Faiz Oran\u0131 Hesaplay\u0131c\u0131s\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>\u0130lk kredi tutar\u0131n\u0131<\/strong> dolar cinsinden girin (\u00f6rne\u011fin, mevcut bir mortgage bakiyesi).<\/li>\n<li><strong>\u0130lk kredinin faiz oran\u0131n\u0131<\/strong> y\u00fczde olarak girin, \u00f6rne\u011fin %4 i\u00e7in 4.<\/li>\n<li><strong>\u0130kinci kredi tutar\u0131n\u0131<\/strong> dolar cinsinden girin (\u00f6rne\u011fin, ikinci bir mortgage veya konut sermaye kredisi).<\/li>\n<li><strong>\u0130kinci kredinin faiz oran\u0131n\u0131<\/strong> y\u00fczde olarak girin, \u00f6rne\u011fin %6 i\u00e7in 6.<\/li>\n<li>\u0130ki ondal\u0131k basama\u011fa yuvarlanm\u0131\u015f y\u00fczde olarak g\u00f6sterilen <strong>Birle\u015fik Faiz Oran\u0131n\u0131<\/strong> okuyun.<\/li>\n<\/ol>\n<h2>Birle\u015fik Faiz Oran\u0131 Nedir?<\/h2>\n<p>Birle\u015fik faiz oran\u0131, farkl\u0131 oranlardaki iki kredi tek bir toplam bor\u00e7ta birle\u015ftirildi\u011finde ge\u00e7erli olan, tek bir a\u011f\u0131rl\u0131kl\u0131 ortalama faiz oran\u0131d\u0131r. Borcunuzu \"bir k\u0131sm\u0131 %4, bir k\u0131sm\u0131 %6\" diye d\u00fc\u015f\u00fcnmek yerine, birle\u015fik oran \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z her dolar \u00fczerinde efektif olarak ne \u00f6dedi\u011finizi s\u00f6yler. Bu, bor\u00e7 verenlerin ve bor\u00e7lular\u0131n \u00e7ak\u0131\u015fan kredilerin genel maliyetini anlatmak i\u00e7in kulland\u0131\u011f\u0131 standart yoldur.<\/p>\n<p>Oran, kredi tutar\u0131na g\u00f6re a\u011f\u0131rl\u0131kland\u0131r\u0131l\u0131r; basit bir ortalama de\u011fildir. Yukar\u0131daki \u00f6rnekte %4 ve %6'n\u0131n basit\u00e7e ortalamas\u0131 %5 verirdi, ancak %4'l\u00fck kredi iki kat b\u00fcy\u00fck oldu\u011fu i\u00e7in ger\u00e7ek birle\u015fik oran\u0131 %4,67'ye kadar \u00e7ekmektedir. Birle\u015fik oran bu nedenle her zaman iki oran aras\u0131nda, b\u00fcy\u00fck kredinin oran\u0131na daha yak\u0131n bir yerde yer al\u0131r.<\/p>\n<p>Birle\u015fik oranlar \u00e7e\u015fitli ger\u00e7ek durumlarda \u00f6nemlidir. \u0130lk mortgage'\u0131n\u0131z\u0131 yeniden finanse ederken ikinci mortgage'\u0131n\u0131z\u0131 veya konut sermayesi kredi limitinizi (HELOC) korudu\u011funuzda, bor\u00e7 verenler yeni krediyi genellikle iki borcun birle\u015fik oran\u0131na g\u00f6re teklif eder. \u00d6zel mortgage sigortas\u0131ndan ka\u00e7\u0131nmak i\u00e7in ikinci bir krediyi \u00fczerine bindiren al\u0131c\u0131lar veya birincil mortgage'\u0131 ikincil bir krediyle birle\u015ftiren yat\u0131r\u0131mc\u0131lar da se\u00e7enekleri kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in birle\u015fik oranlar\u0131 kullan\u0131r. Bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-refinansman-oranlari\/\">mortgage yeniden finansman\u0131<\/a> karar\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, birle\u015fik oran konsolidasyonun genel maliyetinizi ger\u00e7ekten d\u00fc\u015f\u00fcr\u00fcp d\u00fc\u015f\u00fcrmedi\u011fini g\u00f6sterir.<\/p>\n<h2>Sonucun Yorumlanmas\u0131<\/h2>\n<p>Birle\u015fik oran \u015fu soruyu yan\u0131tlar: \"Birle\u015fik bakiye \u00fczerinde ayn\u0131 toplam y\u0131ll\u0131k faizi \u00fcretecek tek oran nedir?\" Bu oran, bir bor\u00e7 vericinin yeni bir konsolide kredide teklif etti\u011fi orandan d\u00fc\u015f\u00fckse, tek bir krediye ge\u00e7mek sizin i\u00e7in faiz a\u00e7\u0131s\u0131ndan daha pahal\u0131ya mal olur; yeni oran birle\u015fik oran\u0131n alt\u0131ndaysa konsolidasyon para kazand\u0131r\u0131r.<\/p>\n<p>Sonucu, toplam y\u0131ll\u0131k faizi hesaplayarak do\u011frulayabilirsiniz: her bakiyeyi kendi oran\u0131yla \u00e7arp\u0131n, sonu\u00e7lar\u0131 toplay\u0131n ve birle\u015fik bakiyeye b\u00f6l\u00fcn. \u00d6rnekte, \\(100{,}000 \\times 0.04 + 50{,}000 \\times 0.06 = 7{,}000\\) dolar y\u0131ll\u0131k faiz, \\(150{,}000\\) dolar bor\u00e7 \u00fczerinden, bu da tam olarak \\(4.67\\%\\) demektir.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Yaln\u0131zca basit a\u011f\u0131rl\u0131kland\u0131rma.<\/strong> Hesaplay\u0131c\u0131 oranlar\u0131 anapara bakiyesine g\u00f6re a\u011f\u0131rl\u0131kland\u0131r\u0131r. Amortisman planlar\u0131n\u0131, farkl\u0131 kredi vadelerini veya de\u011fi\u015fken faizli kredilerde zamanla de\u011fi\u015febilecek oranlar\u0131 hesaba katmaz.<\/li>\n<li><strong>En fazla iki kredi.<\/strong> \u0130kiden fazla kredi i\u00e7in iki\u015ferli birle\u015ftirin: ilk ikisinin birle\u015fik oran\u0131n\u0131 hesaplay\u0131n, sonucu birle\u015fik bakiyeli tek bir \"kredi\" gibi ele al\u0131n, sonra bir sonraki krediyle birle\u015ftirin.<\/li>\n<li><strong>G\u00fcncel bakiyeleri kullan\u0131n.<\/strong> Her kredi i\u00e7in \u00f6denmemi\u015f anaparay\u0131 girin, orijinal tutarlar\u0131 de\u011fil; \u00f6zellikle k\u0131smen \u00f6denmi\u015f eski krediler i\u00e7in bu \u00f6nemlidir.<\/li>\n<li><strong>Oran ve Y\u0131ll\u0131k Maliyet Oran\u0131 (APR).<\/strong> Birle\u015fik oran nominal faiz oranlar\u0131n\u0131 kullan\u0131r. \u00dccretler, kapan\u0131\u015f maliyetleri ve point'ler dahil de\u011fildir; bunlar i\u00e7in yeni konsolide kredinin <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">Mortgage APR<\/a> de\u011ferini kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li><strong>Yeniden finansman kontrol\u00fc.<\/strong> Konsolidasyondan \u00f6nce, tek bir yeni kredinin neye mal olaca\u011f\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplay\u0131c\u0131s\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Mortgage Hesaplay\u0131c\u0131s\u0131<\/a> ile tahmin edin ve bu oran\u0131 birle\u015fik oran\u0131n\u0131zla kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<\/ul>\n<h2>H\u0131zl\u0131 Bak\u0131\u015f: Kredi Tutar\u0131n\u0131n Birle\u015fik Orana Etkisi<\/h2>\n<table>\n<thead>\n<tr>\n<th>Kredi 1 ($100.000, %4)<\/th>\n<th>Kredi 2 (%6)<\/th>\n<th>Birle\u015fik Oran<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>$100.000<\/td>\n<td>$0<\/td>\n<td>%4,00<\/td>\n<\/tr>\n<tr>\n<td>$100.000<\/td>\n<td>$50.000<\/td>\n<td>%4,67<\/td>\n<\/tr>\n<tr>\n<td>$100.000<\/td>\n<td>$100.000<\/td>\n<td>%5,00<\/td>\n<\/tr>\n<tr>\n<td>$100.000<\/td>\n<td>$200.000<\/td>\n<td>%5,33<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Tablonun g\u00f6sterdi\u011fi gibi, y\u00fcksek oranl\u0131 kredi birle\u015fik oran\u0131, toplam bor\u00e7 i\u00e7indeki pay\u0131yla orant\u0131l\u0131 olarak yukar\u0131 \u00e7eker. Y\u00fcksek orandaki bakiye b\u00fcy\u00fcd\u00fck\u00e7e, birle\u015fik oran o orana yakla\u015f\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Farkl\u0131 tutarlara ve oranlara sahip iki kredinin birle\u015fik faiz oran\u0131n\u0131 hesaplay\u0131n. Efektif olarak \u00f6dedi\u011finiz a\u011f\u0131rl\u0131kl\u0131 ortalama oran\u0131 bulmak i\u00e7in her kredinin bakiyesini ve oran\u0131n\u0131 girin.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[75],"class_list":["post-120","post","type-post","status-publish","format-standard","hentry","category-finans","tag-konut-kredisi"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/comments?post=120"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/120\/revisions"}],"predecessor-version":[{"id":3307,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/120\/revisions\/3307"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=120"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=120"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}