{"id":240,"date":"2026-10-03T13:05:27","date_gmt":"2026-10-03T12:05:27","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/kredi-karti-borcu-kapatma\/"},"modified":"2026-10-03T13:05:27","modified_gmt":"2026-10-03T12:05:27","slug":"kredi-karti-borcu-kapatma","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-borcu-kapatma\/","title":{"rendered":"Kredi Kart\u0131 Bor\u00e7 Kapatma Hesaplay\u0131c\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\">Borcunuzu Ka\u00e7 Ayda Kapat\u0131rs\u0131n\u0131z<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"240\" data-favorite-title=\"Kredi Kart\u0131 Borcu Kapatma\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-borcu-kapatma\/\" data-favorite-excerpt=\"Kredi kart\u0131 bakiyenizi kapatman\u0131z\u0131n ka\u00e7 ay s\u00fcrece\u011fini tahmin edin. G\u00fcncel borcunuzu, y\u0131ll\u0131k faiz oran\u0131n\u0131z\u0131 ve ayl\u0131k \u00f6demenizi girerek kapatma s\u00fcrenizi g\u00f6r\u00fcn.\" 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\/kredi-karti-borcu-kapatma\/\" method=\"POST\" class=\"calculator\" id=\"calculator-240\" data-post=\"240\"><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\">Kalan Bor\u00e7<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"kalan_bor\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Mevcut kalan borcunuzu girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Y\u0131ll\u0131k Faiz Oran\u0131<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"18\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131n\u0131z\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Ayl\u0131k \u00d6deme<\/label><div class=\"term\">M<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"aylk_deme\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Her ay ne kadar \u00f6deme yapaca\u011f\u0131n\u0131z\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"240\">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>Kapatma S\u00fcresi (Ay)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"ay\"><\/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=\"240\" 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>Kredi Kart\u0131 Borcunu Kapatma S\u00fcresi 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\\[ n = \\frac{-\\ln\\left(1 - \\dfrac{r \\cdot P}{M}\\right)}{\\ln(1 + r)} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(n\\) \u2014 bakiyenin kapat\u0131lmas\u0131 i\u00e7in gereken ay say\u0131s\u0131<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnm\u00fc\u015f h\u00e2li)<\/li>\n<li>\\(P\\) \u2014 g\u00fcncel bor\u00e7 (anapara)<\/li>\n<li>\\(M\\) \u2014 ayl\u0131k \u00f6deme tutar\u0131<\/li>\n<\/ul>\n<p>Bu form\u00fcl standart amortisman (taksitli geri \u00f6deme) denkleminden t\u00fcretilmi\u015ftir ve do\u011frudan \u00f6deme d\u00f6nemlerinin say\u0131s\u0131n\u0131 \u00e7\u00f6zer. Faiz oran\u0131n\u0131n ve ayl\u0131k \u00f6demenin bakiye tamamen kapanana kadar sabit kald\u0131\u011f\u0131n\u0131 varsayar. Y\u0131ll\u0131k oran\u0131n\u0131z %18 ise ayl\u0131k oran \\(r = 0.18 \/ 12 = 0.015\\) olur.<\/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>Kredi Kart\u0131 Borcunu Kapatma \u2013 \u00d6rnek Hesaplama<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> y\u0131ll\u0131k faiz oran\u0131 %18 olan bir kredi kart\u0131nda \\(P = \\$5{,}000\\) borcunuz var ve her ay \\(M = \\$200\\) \u00f6d\u00fcyorsunuz.<\/p>\n<p>\u00d6nce y\u0131ll\u0131k oran\u0131 ayl\u0131k orana \u00e7evirin:<\/p>\n<p>\\[ r = \\frac{18\\%}{12} = 1.5\\% = 0.015 \\]<\/p>\n<p>Ard\u0131ndan form\u00fcl\u00fc uygulay\u0131n:<\/p>\n<p>\\[ n = \\frac{-\\ln\\left(1 - \\dfrac{0.015 \\times 5000}{200}\\right)}{\\ln(1.015)} = \\frac{-\\ln(0.625)}{\\ln(1.015)} \\approx 31.6 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bakiyeyi kapatmak yakla\u015f\u0131k <strong>31,6 ay<\/strong> (kabaca 2 y\u0131l 8 ay) s\u00fcrer. Bu s\u00fcre boyunca yakla\u015f\u0131k \\(31.6 \\times \\$200 \\approx \\$6{,}315\\) \u00f6dersiniz; bunun yakla\u015f\u0131k \\(\\$1{,}315\\)'i faizdir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Kredi Kart\u0131 Bor\u00e7 Kapatma Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>G\u00fcncel Borcu<\/strong> girin \u2014 kart\u0131n\u0131zdaki mevcut bor\u00e7 tutar\u0131, son ekstrenizde g\u00f6r\u00fcn\u00fcr.<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> (AKF) girin \u2014 kesin rakam i\u00e7in ekstrenize veya kart s\u00f6zle\u015fmenize bak\u0131n.<\/li>\n<li>Planlad\u0131\u011f\u0131n\u0131z <strong>Ayl\u0131k \u00d6demeyi<\/strong> girin \u2014 kart\u0131 veren bankan\u0131n istedi\u011fi asgari \u00f6deme de\u011fil, her ay \u00f6demeyi d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz tutar.<\/li>\n<li>Sonucu okuyun: <strong>Kapatma S\u00fcresi (Ay)<\/strong>, bakiyenin bu \u00f6deme d\u00fczeyinde s\u0131f\u0131ra inmesi i\u00e7in ne kadar s\u00fcre gerekti\u011fini g\u00f6sterir.<\/li>\n<\/ol>\n<p>&lt;Hesaplamay\u0131 farkl\u0131 ayl\u0131k \u00f6demelerle birka\u00e7 kez deneyin. \u00d6demeyi hafif\u00e7e bile art\u0131rmak kapatma s\u00fcresini \u00e7arp\u0131c\u0131 bi\u00e7imde k\u0131saltabilir; \u00e7\u00fcnk\u00fc her \u00f6demenin daha b\u00fcy\u00fck k\u0131sm\u0131 faize de\u011fil anaparaya gider.<\/p>\n<h2>Kredi Kart\u0131 Borcunu Kapatma S\u00fcresi Nedir?<\/h2>\n<p>Kredi kart\u0131 borcunu kapatma s\u00fcresi, sabit ve e\u015fit ayl\u0131k \u00f6demelerle bir kredi kart\u0131 bakiyesini s\u0131f\u0131rlamak i\u00e7in gereken ay say\u0131s\u0131d\u0131r. Kredi kartlar\u0131 genellikle faizi g\u00fcnl\u00fck veya ayl\u0131k bile\u015fik olarak, y\u00fcksek AKF'lerle \u2014 \u00e7o\u011fu zaman %15 ile %25 veya daha fazlas\u0131 \u2014 i\u015fler; bu y\u00fczden \u00f6denmeyen bakiyeler h\u0131zla b\u00fcy\u00fcr. Bile\u015fik faiz nedeniyle yaln\u0131zca asgari tutar\u0131 \u00f6demek, geri \u00f6demeyi uzun y\u0131llara yayabilir; erken \u00f6demelerin \u00e7o\u011fu faiz taraf\u0131ndan yutulur.<\/p>\n<p>Hesaplay\u0131c\u0131 pratik bir soruyu yan\u0131tlar: \u201cAyda \\$X \u00f6dersem ne zaman bor\u00e7tan kurtulurum?\u201d Yan\u0131t \u00fc\u00e7 etkene ba\u011fl\u0131d\u0131r. Daha b\u00fcy\u00fck bakiye veya daha y\u00fcksek faiz oran\u0131 s\u00fcreyi uzat\u0131r; daha b\u00fcy\u00fck ayl\u0131k \u00f6deme s\u00fcreyi k\u0131salt\u0131r \u2014 hem de orant\u0131dan h\u0131zl\u0131 bi\u00e7imde, \u00e7\u00fcnk\u00fc \u00f6denen her ek dolar, gelecekte faiz i\u015flenecek anaparay\u0131 k\u00fc\u00e7\u00fclt\u00fcr.<\/p>\n<p>Sonucun yorumlanmas\u0131 kolayd\u0131r: g\u00f6sterilen say\u0131, girdi\u011finiz varsay\u0131mlar alt\u0131ndaki bor\u00e7suz olma tarihinizdir. Hesaplay\u0131c\u0131 ayl\u0131k \u00f6demenin faizi bile kar\u015f\u0131lamaya yetmedi\u011fi konusunda uyar\u0131 verirse, bu \\(M \\le P \\times r\\) anlam\u0131na gelir: \u00f6demeniz her ay i\u015flenen faizi bile kar\u015f\u0131lam\u0131yor, dolay\u0131s\u0131yla bakiye sonsuza dek b\u00fcy\u00fcr. Herhangi bir ilerleme kaydetmek i\u00e7in \u00f6demeyi bu e\u015fi\u011fin \u00fczerine \u00e7\u0131karman\u0131z gerekir.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Sabit \u00f6deme ve oran.<\/strong> Form\u00fcl her ay tam olarak ayn\u0131 tutar\u0131 \u00f6dedi\u011finizi ve AKF'nin hi\u00e7 de\u011fi\u015fmedi\u011fini varsayar. S\u00fcresi dolan tan\u0131t\u0131m veya promosyon oranlar\u0131 zaman \u00e7izelgesini de\u011fi\u015ftirir.<\/li>\n<li><strong>Yeni harcama yok.<\/strong> Bakiyeye eklenen her yeni al\u0131\u015fveri\u015f kapatma s\u00fcresini uzat\u0131r ve faizdeki bor\u00e7suzluk (grace period) hakk\u0131n\u0131z\u0131 kaybetmenize yol a\u00e7abilir.<\/li>\n<li><strong>\u00dccretler yok say\u0131l\u0131r.<\/strong> Gecikme \u00fccretleri, y\u0131ll\u0131k \u00fccretler, bakiye transfer \u00fccretleri ve cezal\u0131 AKF'ler hesaplamaya d\u00e2hil edilmez.<\/li>\n<li><strong>Yuvarlama.<\/strong> Sonu\u00e7 bir ondal\u0131k basama\u011fa yuvarlan\u0131r; ger\u00e7ek kapan\u0131\u015f tarihiniz ekstre d\u00f6neminize ve \u00f6demelerinizin i\u015fleme tarihlerine ba\u011fl\u0131d\u0131r.<\/li>\n<\/ul>\n<p>Kredi kart\u0131 borcunu daha h\u0131zl\u0131 kapatmak i\u00e7in birka\u00e7 ipucu:<\/p>\n<ul>\n<li><strong>Asgarinin \u00fczerinde \u00f6deyin.<\/strong> Asgari \u00f6demeler \u00e7o\u011fu zaman faiz birikimine yak\u0131n belirlenir; bu y\u00fczden o d\u00fczeyde kapatma on y\u0131llar s\u00fcrebilir.<\/li>\n<li><strong>\u00d6nce en y\u00fcksek AKF'li kart\u0131 hedefleyin.<\/strong> Birden \u00e7ok kart\u0131n\u0131z varsa ek fonlar\u0131 en y\u00fcksek faizli bakiyeye y\u00f6nlendirirken di\u011ferlerinde asgarileri \u00f6deyin (\u201c\u00e7\u0131\u011f\u201d y\u00f6ntemi).<\/li>\n<li><strong>Bakiye transferi veya bor\u00e7 birle\u015ftirme kredisi d\u00fc\u015f\u00fcn\u00fcn.<\/strong> Ayn\u0131 ayl\u0131k \u00f6demede daha d\u00fc\u015f\u00fck faiz s\u00fcreyi \u00f6nemli \u00f6l\u00e7\u00fcde k\u0131salt\u0131r \u2014 teklifleri <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplay\u0131c\u0131m\u0131zla<\/a> kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li><strong>Kart kapan\u0131nca<\/strong>, ayl\u0131k \u00f6demeyi biriktirme veya yat\u0131r\u0131ma y\u00f6nlendirin \u2014 nas\u0131l b\u00fcy\u00fcyebilece\u011fini g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/aylik-yatirim-birikimi\/\">Ayl\u0131k Yat\u0131r\u0131m Birikimi Hesaplay\u0131c\u0131s\u0131na<\/a> bak\u0131n.<\/li>\n<\/ul>\n<p>Bu ara\u00e7 yaln\u0131zca kredi kartlar\u0131 i\u00e7in de\u011fil, sabit faizli ve sabit \u00f6demeli her d\u00f6n\u00fcc\u00fc bakiye i\u00e7in ge\u00e7erlidir. Sabit vadeli taksitli krediler \u2014 otomobil kredisi veya konut kredisi gibi \u2014 vadesini bildi\u011finiz ve \u00f6deme tutar\u0131n\u0131 bulmak istedi\u011finiz durumlarda <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">Konut Kredisi \u00d6demesi Hesaplay\u0131c\u0131s\u0131n\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">Otomobil Kredisi Hesaplay\u0131c\u0131s\u0131n\u0131<\/a> kullan\u0131n.<\/p>\n<h2>Farkl\u0131 Ayl\u0131k \u00d6demelerde Kapatma S\u00fcresi<\/h2>\n<p>A\u015fa\u011f\u0131daki tablo, %18 AKF ile \\(\\$5{,}000\\) \u00f6rne\u011findeki bakiyenin kapatma s\u00fcresinin ayl\u0131k \u00f6deme b\u00fcy\u00fcd\u00fck\u00e7e nas\u0131l k\u0131sald\u0131\u011f\u0131n\u0131 g\u00f6sterir:<\/p>\n<table>\n<thead>\n<tr>\n<th>Ayl\u0131k \u00d6deme<\/th>\n<th>Kapatma S\u00fcresi (Ay)<\/th>\n<th>Yakla\u015f\u0131k Toplam Faiz<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>$100<\/td>\n<td>93,3 ay (~7,8 y\u0131l)<\/td>\n<td>~$4.300<\/td>\n<\/tr>\n<tr>\n<td>$200<\/td>\n<td>31,6 ay (~2,6 y\u0131l)<\/td>\n<td>~$1.315<\/td>\n<\/tr>\n<tr>\n<td>$300<\/td>\n<td>18,3 ay (~1,5 y\u0131l)<\/td>\n<td>~$500<\/td>\n<\/tr>\n<tr>\n<td>$500<\/td>\n<td>10,3 ay (~0,9 y\u0131l)<\/td>\n<td>~$140<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00d6demeyi \\(\\$100\\)'den \\(\\$300\\)'e \u00fc\u00e7 kat\u0131na \u00e7\u0131karman\u0131n kapatma s\u00fcresini yakla\u015f\u0131k %80, toplam faizi neredeyse %90 azaltt\u0131\u011f\u0131na dikkat edin. Y\u00fcksek faizli borca agresif bi\u00e7imde sald\u0131rman\u0131n g\u00fcc\u00fc budur.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredi kart\u0131 bakiyenizi kapatman\u0131z\u0131n ka\u00e7 ay s\u00fcrece\u011fini tahmin edin. G\u00fcncel borcunuzu, y\u0131ll\u0131k faiz oran\u0131n\u0131z\u0131 ve ayl\u0131k \u00f6demenizi girerek kapatma s\u00fcrenizi g\u00f6r\u00fcn.<\/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-240","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\/240","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=240"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/240\/revisions"}],"predecessor-version":[{"id":3767,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/240\/revisions\/3767"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=240"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=240"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}