{"id":241,"date":"2026-10-03T13:05:36","date_gmt":"2026-10-03T12:05:36","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/kredi-skoru-hesaplama\/"},"modified":"2026-10-03T13:05:36","modified_gmt":"2026-10-03T12:05:36","slug":"kredi-skoru-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kredi-skoru-hesaplama\/","title":{"rendered":"Kredi Skoru Hesaplama"},"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\">Bor\u00e7-Gelir Oran\u0131 Hesaplama<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"241\" data-favorite-title=\"Kredi Skoru\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-skoru-hesaplama\/\" data-favorite-excerpt=\"Bor\u00e7-gelir oran\u0131 (DTI), kredi verenlerin krediye uygunlu\u011fu de\u011ferlendirmek i\u00e7in kulland\u0131\u011f\u0131 temel \u00f6l\u00e7\u00fctlerden biridir. Bu hesaplay\u0131c\u0131yla, d\u00fczenli ayl\u0131k bor\u00e7lar\u0131n\u0131z\u0131 ve br\u00fct ayl\u0131k gelirinizi girerek gelirinizin y\u00fczde ka\u00e7\u0131n\u0131n bor\u00e7 \u00f6demelerine gitti\u011fini g\u00f6rebilirsiniz.\" 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-skoru-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-241\" data-post=\"241\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Ayl\u0131k Yinelenen Bor\u00e7<\/label><input type=\"text\" name=\"aylk_yinelenen_bor\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1500\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Toplam ayl\u0131k yinelenen bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fcklerinizi girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Ayl\u0131k Br\u00fct Gelir<\/label><input type=\"text\" name=\"aylk_brt_gelir\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Ayl\u0131k br\u00fct gelirinizi girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"241\">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>Bor\u00e7-Gelir 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=\"241\" 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>Bor\u00e7-Gelir 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{DTI} = \\frac{\\text{D\u00fczenli ayl\u0131k bor\u00e7}}{\\text{Br\u00fct ayl\u0131k gelir}} \\times 100 \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>\u015eu \u015fekilde tan\u0131mlan\u0131r:<\/strong><\/p>\n<ul>\n<li>\\(\\text{DTI}\\) \u2014 bor\u00e7-gelir oran\u0131, y\u00fczde olarak ifade edilir<\/li>\n<li>D\u00fczenli ayl\u0131k bor\u00e7 \u2014 kredi \u00f6demeleri, kredi kart\u0131 asgari \u00f6demeleri, kira veya ipotek \u00f6demesi, nafaka ve di\u011fer sabit y\u00fck\u00fcml\u00fcl\u00fckler gibi toplam ayl\u0131k bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fckleri<\/li>\n<li>Br\u00fct ayl\u0131k gelir \u2014 vergi ve kesintiler \u00f6ncesi toplam ayl\u0131k gelir<\/li>\n<\/ul>\n<p>Form\u00fcl, vergi \u00f6ncesi gelirinizin ne kadarl\u0131k k\u0131sm\u0131n\u0131n her ay bor\u00e7 \u00f6demelerine ayr\u0131lm\u0131\u015f oldu\u011funu g\u00f6sterir. \u00d6rne\u011fin %30'luk bir oran, kazand\u0131\u011f\u0131n\u0131z her 1 dolar\u0131n 30 sentinin bor\u00e7 \u00f6demelerine gitti\u011fi anlam\u0131na gelir.<\/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>Bor\u00e7-Gelir Oran\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> ayl\u0131k d\u00fczenli bor\u00e7 \u00f6demeleriniz 1.500 $ (ara\u00e7 kredisi, \u00f6\u011frenci kredisi ve kredi kart\u0131 asgari \u00f6demeleri) ve br\u00fct ayl\u0131k geliriniz 5.000 $ olsun.<\/p>\n<p>\\[ \\text{DTI} = \\frac{1500}{5000} \\times 100 = 0.30 \\times 100 = 30\\% \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bor\u00e7-gelir oran\u0131z\u0131n\u0131z %30; yani br\u00fct gelirinizin %30'u her ay bor\u00e7 \u00f6demelerine gidiyor.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Dolar cinsinden <strong>D\u00fczenli Ayl\u0131k Borcunuzu<\/strong> girin \u2014 ara\u00e7 kredileri, \u00f6\u011frenci kredileri, kredi kart\u0131 asgari \u00f6demeleri ve ipotek veya kira y\u00fck\u00fcml\u00fcl\u00fckleri gibi t\u00fcm sabit ayl\u0131k bor\u00e7 \u00f6demelerinin toplam\u0131.<\/li>\n<li>Dolar cinsinden <strong>Br\u00fct Ayl\u0131k Gelirinizi<\/strong> girin \u2014 maa\u015f, primler ve di\u011fer d\u00fczenli gelir kaynaklar\u0131 dahil, vergiler \u00f6ncesi toplam geliriniz.<\/li>\n<li>\u0130ki ondal\u0131k basama\u011fa yuvarlanm\u0131\u015f y\u00fczde olarak g\u00f6sterilen <strong>Bor\u00e7-Gelir Oran\u0131<\/strong> sonucunu okuyun.<\/li>\n<\/ol>\n<p>Bor\u00e7 alan\u0131na yaln\u0131zca d\u00fczenli y\u00fck\u00fcml\u00fcl\u00fckleri dahil edin \u2014 market, faturalar veya e\u011flence gibi de\u011fi\u015fken giderleri saymay\u0131n; \u00e7\u00fcnk\u00fc kredi verenler genellikle bunlar\u0131 da dikkate almaz.<\/p>\n<h2>Bor\u00e7-Gelir Oran\u0131 Nedir?<\/h2>\n<p>Bu ara\u00e7 bir Kredi Skoru Hesaplama arac\u0131 olarak adland\u0131r\u0131lsa da, asl\u0131nda bor\u00e7-gelir (DTI) oran\u0131n\u0131z\u0131 hesaplar \u2014 ipotek (konut kredisi), ara\u00e7 kredisi veya kredi kart\u0131 ba\u015fvurusu yapt\u0131\u011f\u0131n\u0131zda kredi verenlerin bakt\u0131\u011f\u0131 en \u00f6nemli say\u0131lardan biri. DTI, ayl\u0131k br\u00fct gelirinizin ne kadar\u0131n\u0131n zaten bor\u00e7 \u00f6demeleri taraf\u0131ndan kullan\u0131ld\u0131\u011f\u0131n\u0131 \u00f6l\u00e7er. \u00d6d\u00fcn\u00e7 alma ge\u00e7mi\u015finize dayanan kredi skorunuzdan farkl\u0131 olarak, DTI, mevcut finansal y\u00fck\u00fcml\u00fcl\u00fcklerinizin kazanc\u0131n\u0131za g\u00f6re bir anl\u0131k g\u00f6r\u00fcn\u00fcm\u00fcd\u00fcr.<\/p>\n<p>Kredi verenler DTI'y\u0131 kullan\u0131r, \u00e7\u00fcnk\u00fc bu oran basit bir soruya do\u011frudan yan\u0131t verir: Bu bor\u00e7lu rahat\u00e7a daha fazla bor\u00e7 alabilir mi? D\u00fc\u015f\u00fck bir oran, b\u00fct\u00e7enizde yeni \u00f6demeler i\u00e7in yer oldu\u011funa i\u015faret eder; y\u00fcksek bir oran ise ek borcun mali durumunuzu zorlayabilece\u011fine ve temerr\u00fct riskini art\u0131rabilece\u011fine sinyal verir. \u00c7o\u011fu ipotek kredi vereni i\u00e7in %36 ve alt\u0131ndaki DTI sa\u011fl\u0131kl\u0131 kabul edilir ve bir\u00e7ok geleneksel kredi, kredi t\u00fcr\u00fcne ve di\u011fer uygunluk fakt\u00f6rlerine ba\u011fl\u0131 olarak %43\u201350'ye kadar izin verir.<\/p>\n<p>DTI, FICO veya VantageScore kredi skorunuzun do\u011frudan bir par\u00e7as\u0131 olmasa da ikisi yak\u0131n ili\u015fkilidir. Gelire g\u00f6re y\u00fcksek bor\u00e7 seviyeleri genellikle kredi kart\u0131 kullan\u0131m oran\u0131n\u0131n y\u00fcksekli\u011fiyle birlikte g\u00f6r\u00fcl\u00fcr ve bu da skorunuzu <em>d\u00fc\u015f\u00fcr\u00fcr<\/em>. Bu nedenle DTI'n\u0131z\u0131 iyile\u015ftirmek \u2014 borcu azaltarak veya geliri art\u0131rarak \u2014 yaln\u0131zca \u00f6d\u00fcn\u00e7 alma kapasitenizi de\u011fil, genel kredi profilinizi de iyile\u015ftirme e\u011filimindedir. B\u00fcy\u00fck bir kredi ba\u015fvurusundan \u00f6nce hem DTI'n\u0131z\u0131 hem de <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-on-degerlendirme\/\">ipotek \u00f6n de\u011ferlendirme tahmininizi<\/a> kontrol ederek durumunuzu g\u00f6r\u00fcn.<\/p>\n<h2>Sonucunuzu Yorumlamak<\/h2>\n<table>\n<thead>\n<tr>\n<th>DTI Oran\u0131<\/th>\n<th>Anlam\u0131<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>%20'nin alt\u0131<\/td>\n<td>M\u00fckemmel \u2014 \u00e7ok d\u00fc\u015f\u00fck bor\u00e7 y\u00fck\u00fc; her kredi t\u00fcr\u00fc i\u00e7in g\u00fc\u00e7l\u00fc konum<\/td>\n<\/tr>\n<tr>\n<td>%20\u2013%35<\/td>\n<td>\u0130yi \u2014 \u00e7o\u011fu kredi verici bunu sa\u011fl\u0131kl\u0131 ve y\u00f6netilebilir bir bor\u00e7 seviyesi olarak g\u00f6r\u00fcr<\/td>\n<\/tr>\n<tr>\n<td>%36\u2013%43<\/td>\n<td>Kabul edilebilir \u2014 bir\u00e7ok krediye h\u00e2l\u00e2 uygun, ancak hata pay\u0131 daha az<\/td>\n<\/tr>\n<tr>\n<td>%44\u2013%50<\/td>\n<td>Y\u00fcksek \u2014 baz\u0131 kredilerde onay m\u00fcmk\u00fcn, ancak ko\u015fullar daha az avantajl\u0131 olabilir<\/td>\n<\/tr>\n<tr>\n<td>%50'nin \u00fczerinde<\/td>\n<td>\u00c7ok y\u00fcksek \u2014 \u00e7o\u011fu kredi verici yeni krediyi reddeder; borcu azaltmaya odaklan\u0131n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Net de\u011fil, br\u00fct gelir.<\/strong> Hesaplama vergi \u00f6ncesi geliri kullan\u0131r. B\u00fct\u00e7enizi elinize ge\u00e7en net maa\u015fa g\u00f6re yap\u0131yorsan\u0131z, kullan\u0131labilir gelirinize g\u00f6re fiili bor\u00e7 y\u00fck\u00fcn\u00fcz DTI'n\u0131n g\u00f6sterdi\u011finden daha y\u00fcksektir.<\/li>\n<li><strong>\u00d6n DTI ve arka DTI.<\/strong> Bu hesaplay\u0131c\u0131 arka oran\u0131 (t\u00fcm bor\u00e7 \u00f6demeleri birle\u015fik) verir. \u0130potek de\u011ferlendiricileri ayr\u0131ca yaln\u0131zca konut maliyetlerini sayan \u00f6n orana da bakar; yayg\u0131n bir k\u0131lavuz %28 \u00f6n \/ %36 arka oran\u0131d\u0131r.<\/li>\n<li><strong>Kredi verici farkl\u0131l\u0131klar\u0131.<\/strong> Farkl\u0131 kredi vericiler ve kredi programlar\u0131 farkl\u0131 s\u0131n\u0131rlar uygular ve baz\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri farkl\u0131 sayabilir (\u00f6rne\u011fin nafaka, i\u015fletme giderleri veya ertelenmi\u015f \u00f6\u011frenci kredileri).<\/li>\n<li><strong>Kredi skoru de\u011fildir.<\/strong> DTI bir onay \u00f6l\u00e7\u00fct\u00fcd\u00fcr, kredi skorunuzun bir bile\u015feni de\u011fildir. M\u00fckemmel bir DTI onay\u0131 garanti etmez ve di\u011fer fakt\u00f6rler g\u00fc\u00e7l\u00fcyse y\u00fcksek DTI da otomatik olarak red anlam\u0131na gelmez.<\/li>\n<\/ul>\n<h2>DTI'n\u0131z\u0131 D\u00fc\u015f\u00fcrmek i\u00e7in Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>\u00d6nce y\u00fcksek bakiyeleri \u00f6deyin.<\/strong> Kredi kart\u0131 ve di\u011fer d\u00f6ner bor\u00e7lar\u0131 azaltmak, ayl\u0131k asgari \u00f6demelerinizi ve ayn\u0131 anda DTI'n\u0131z\u0131 d\u00fc\u015f\u00fcr\u00fcr. Ek \u00f6demelerin belirli bir krediyi nas\u0131l etkiledi\u011fini <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">kredi hesaplama arac\u0131yla<\/a> g\u00f6r\u00fcn.<\/li>\n<li><strong>Ba\u015fvurmadan \u00f6nce yeni bor\u00e7 almay\u0131n.<\/strong> \u0130potek ba\u015fvurusundan hemen \u00f6nce ara\u00e7 kredisi almak veya mobilya finansman\u0131 yapmak, DTI'n\u0131z\u0131 kredi vericinin s\u0131n\u0131r\u0131n\u0131n \u00fczerine \u00e7\u0131karabilir. \u00d6demeleri \u00f6nce <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">ara\u00e7 kredisi hesaplama arac\u0131yla<\/a> modelleyin.<\/li>\n<li><strong>Belgelenmi\u015f geliri art\u0131r\u0131n.<\/strong> Zam, prim veya belgelenmi\u015f yan gelir oran\u0131 d\u00fc\u015f\u00fcr\u00fcr \u2014 ancak genellikle yaln\u0131zca do\u011frulanabilir ge\u00e7mi\u015fi olan gelir say\u0131l\u0131r.<\/li>\n<li><strong>Elinizdeki say\u0131yla ara\u015ft\u0131r\u0131n.<\/strong> <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek<\/a> ba\u015fvurusundan \u00f6nce DTI'n\u0131z\u0131 bilmek, ger\u00e7ek\u00e7i bir fiyat aral\u0131\u011f\u0131 belirlemenize ve daha g\u00fc\u00e7l\u00fc bir konumdan pazarl\u0131k etmenize yard\u0131mc\u0131 olur.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bor\u00e7-gelir oran\u0131 (DTI), kredi verenlerin krediye uygunlu\u011fu de\u011ferlendirmek i\u00e7in kulland\u0131\u011f\u0131 temel \u00f6l\u00e7\u00fctlerden biridir. Bu hesaplay\u0131c\u0131yla, d\u00fczenli ayl\u0131k bor\u00e7lar\u0131n\u0131z\u0131 ve br\u00fct ayl\u0131k gelirinizi girerek gelirinizin y\u00fczde ka\u00e7\u0131n\u0131n bor\u00e7 \u00f6demelerine gitti\u011fini g\u00f6rebilirsiniz.<\/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-241","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\/241","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=241"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/241\/revisions"}],"predecessor-version":[{"id":3304,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/241\/revisions\/3304"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}