{"id":273,"date":"2026-10-03T13:11:46","date_gmt":"2026-10-03T12:11:46","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/borc-birlestirme\/"},"modified":"2026-10-03T13:11:46","modified_gmt":"2026-10-03T12:11:46","slug":"borc-birlestirme","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/","title":{"rendered":"Bor\u00e7 Birle\u015ftirme \u00d6demesi Hesaplama Arac\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\">Bor\u00e7 Birle\u015ftirme Kredisi i\u00e7in Ayl\u0131k \u00d6deme Hesapla<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"273\" data-favorite-title=\"Bor\u00e7 Birle\u015ftirme \u00d6demesi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\" data-favorite-excerpt=\"Bir bor\u00e7 birle\u015ftirme kredisi i\u00e7in sabit ayl\u0131k \u00f6demeyi tahmin edin. Toplam birle\u015ftirilen borcu, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve kredi vadesini girin; ayl\u0131k \u00f6demeyi, toplam geri \u00f6demeyi ve toplam faizi g\u00f6r\u00fcn.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-rate-up\">\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\/borc-birlestirme\/\" method=\"POST\" class=\"calculator\" id=\"calculator-273\" data-post=\"273\"><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\">Birle\u015ftirilen Toplam Bor\u00e7<\/label><div class=\"term\">D<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"birletirilen_toplam_bor\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Birle\u015ftirilecek t\u00fcm bor\u00e7lar\u0131n toplam tutar\u0131<\/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\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Yeni birle\u015ftirilmi\u015f kredi i\u00e7in faiz oran\u0131<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Kredi Vadesi (Ay)<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"kredi_vadesi_ay\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"60\"\/><small id=\"calc-info-3\">Birle\u015ftirilmi\u015f kredinin geri \u00f6denmesi i\u00e7in ay say\u0131s\u0131<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"273\">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>Ayl\u0131k \u00d6deme<\/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 class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Kredi Vadesi Boyunca Toplam \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>\u00d6denen Toplam Faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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=\"273\" 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 Birle\u015ftirme Ayl\u0131k \u00d6deme 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{Ayl\u0131k \u00d6deme} = \\frac{D \\times r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(D\\) \u2014 toplam birle\u015ftirilen bor\u00e7 (yeni krediye aktar\u0131lan t\u00fcm bor\u00e7lar\u0131n birle\u015fik bakiyesi)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye \\(\\div\\) b\u00f6l\u00fcm\u00fc, ondal\u0131k olarak ifade edilir)<\/li>\n<li>\\(n\\) \u2014 toplam ayl\u0131k \u00f6deme say\u0131s\u0131 (kredi vadesinin ay cinsinden de\u011feri)<\/li>\n<\/ul>\n<p>Bu, standart amortismanl\u0131 (e\u015fit taksitli) kredi form\u00fcl\u00fcd\u00fcr: tam anaparay\u0131 ve t\u00fcm faizi tam olarak \\(n\\) ay i\u00e7inde kapatan sabit ayl\u0131k \u00f6demeyi verir. Faiz oran\u0131 %0 ise \u00f6deme basit\u00e7e \\(D \/ n\\) olur.<\/p>\n<p>Kredi vadesi boyunca toplam \u00f6deme \\(\\text{Ayl\u0131k \u00d6deme} \\times n\\), \u00f6denen toplam faiz ise toplam \u00f6demeden ana bor\u00e7 \\(D\\) \u00e7\u0131kar\u0131ld\u0131\u011f\u0131nda bulunur.<\/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 Birle\u015ftirme \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 20.000 $ tutar\u0131ndaki kredi kart\u0131 ve kredi bor\u00e7lar\u0131n\u0131z\u0131 %6 y\u0131ll\u0131k faizle tek bir kredide birle\u015ftiriyorsunuz ve 60 ayda geri \u00f6deyeceksiniz.<\/p>\n<p>\\[ r = \\frac{6\\%}{12} = 0.005 \\]<\/p>\n<p>\\[ \\text{Ayl\u0131k \u00d6deme} = \\frac{20{,}000 \\times 0.005}{1 - (1 + 0.005)^{-60}} = \\frac{100}{0.25863} \\approx 386.66 \\]<\/p>\n<p>\\[ \\text{Toplam \u00d6deme} = 386.66 \\times 60 \\approx 23{,}199.60 \\]<\/p>\n<p>\\[ \\text{Toplam Faiz} = 23{,}199.60 - 20{,}000 \\approx 3{,}199.60 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k \u00f6deme yakla\u015f\u0131k 386,66 $, 5 y\u0131lda geri \u00f6denen toplam tutar 23.199,60 $ olup bunun 3.199,60 $'\u0131 faizdir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Toplam Birle\u015ftirilen Bor\u00e7<\/strong> tutar\u0131n\u0131 girin \u2014 yeni kredide birle\u015ftirmek istedi\u011finiz t\u00fcm bakiyelerin toplam\u0131 (\u00f6r. kredi kartlar\u0131, ihtiya\u00e7 kredileri, sa\u011fl\u0131k bor\u00e7lar\u0131).<\/li>\n<li>Yeni birle\u015ftirme kredisinin <strong>Y\u0131ll\u0131k Faiz Oran\u0131<\/strong>n\u0131 girin. Kredi verene taraf\u0131ndan size teklif edilen oran\u0131 kullan\u0131n, eski bor\u00e7lar\u0131n\u0131z\u0131n ortalamas\u0131n\u0131 de\u011fil.<\/li>\n<li><strong>Kredi Vadesini (Ay)<\/strong> girin \u2014 yeni krediyi ne kadar s\u00fcrede geri \u00f6deyeceksiniz (36, 48 ve 60 ay yayg\u0131n se\u00e7eneklerdir).<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Ayl\u0131k \u00d6deme<\/strong>, <strong>Kredi Vadesi Boyunca Toplam \u00d6deme<\/strong> ve <strong>\u00d6denen Toplam Faiz<\/strong>.<\/li>\n<\/ol>\n<h2>Bor\u00e7 Birle\u015ftirme Nedir?<\/h2>\n<p>Bor\u00e7 birle\u015ftirme, genellikle y\u00fcksek faizli kredi kartlar\u0131, ma\u011faza kartlar\u0131 veya ihtiya\u00e7 kredileri gibi birka\u00e7 ayr\u0131 borcu tek bir yeni krediyle de\u011fi\u015ftirir. Birden fazla \u00f6deme tarihi ve faiz oran\u0131yla u\u011fra\u015fmak yerine, her ay tek bir sabit \u00f6deme yapars\u0131n\u0131z; \u00e7o\u011fu zaman oran daha d\u00fc\u015f\u00fckt\u00fcr ve net bir kapan\u0131\u015f tarihi vard\u0131r.<\/p>\n<p>Bu hesaplama arac\u0131 \u00f6demeyi tamamen amortismanl\u0131 bir kredi plan\u0131na g\u00f6re hesaplar: her ay \u00f6demenizin bir k\u0131sm\u0131 faizi kar\u015f\u0131lar, kalan\u0131 anaparay\u0131 azalt\u0131r. Anapara her ay k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fc i\u00e7in \u00f6deme sabit kal\u0131rken faiz k\u0131sm\u0131 zamanla azal\u0131r ve bakiye \\(n\\) numaral\u0131 ayda s\u0131f\u0131ra ula\u015f\u0131r.<\/p>\n<p>\u00dc\u00e7 sonu\u00e7 size maliyet tablosunun tamam\u0131n\u0131 g\u00f6sterir. Ayl\u0131k \u00f6deme, birle\u015ftirme kredisinin b\u00fct\u00e7enize uyup uymad\u0131\u011f\u0131n\u0131 g\u00f6sterir. Toplam \u00f6deme, bu kolayl\u0131\u011f\u0131n size toplamda neye mal olaca\u011f\u0131n\u0131 g\u00f6sterir. Toplam faiz ise bor\u00e7lanman\u0131n ger\u00e7ek bedelidir \u2014 ve mevcut bor\u00e7lar\u0131n\u0131z\u0131 oldu\u011fu gibi b\u0131rakman\u0131z halinde \u00f6deyece\u011finiz toplam faizle kar\u015f\u0131la\u015ft\u0131rman\u0131z gereken say\u0131 budur.<\/p>\n<p>Birle\u015ftirme genellikle \u015fu durumlarda mant\u0131kl\u0131d\u0131r: yeni oran mevcut oranlar\u0131n\u0131zdan anlaml\u0131 \u00f6l\u00e7\u00fcde d\u00fc\u015f\u00fckse, ayl\u0131k \u00f6deme kar\u015f\u0131lanabilirse ve az \u00f6nce kapatt\u0131\u011f\u0131n\u0131z kartlarda yeni bakiye olu\u015fturmaktan ka\u00e7\u0131n\u0131yorsan\u0131z. Vadeyi uzatmak ayl\u0131k \u00f6demeyi d\u00fc\u015f\u00fcrebilir ama toplam faizi art\u0131rabilir; bu y\u00fczden karar vermeden \u00f6nce birka\u00e7 farkl\u0131 vade de\u011ferini deneyin. Farkl\u0131 bir kredi yap\u0131s\u0131yla ilgili bir hesaplama i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/blok-kredi-aylik-taksit-hesaplama\/\">Tek \u00d6demelik Ayl\u0131k Geri \u00d6deme<\/a> hesaplama arac\u0131m\u0131za bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran ve sabit \u00f6deme.<\/strong> Hesaplama arac\u0131 faiz oran\u0131n\u0131n hi\u00e7 de\u011fi\u015fmedi\u011fini varsayar. De\u011fi\u015fken faizli krediler veya s\u00fcresi dolan promosyon oranlar\u0131 farkl\u0131 \u00f6demeler \u00fcretecektir.<\/li>\n<li><strong>Masraf yok.<\/strong> Dosya masraf\u0131, bakiye transfer \u00fccreti ve kapan\u0131\u015f maliyetleri dahil de\u011fildir. Daha ger\u00e7ek\u00e7i bir tahmin i\u00e7in bunlar\u0131 bor\u00e7 tutar\u0131na ekleyin.<\/li>\n<li><strong>Ayl\u0131k bile\u015fik faiz.<\/strong> Y\u0131ll\u0131k oran 12'ye b\u00f6l\u00fcn\u00fcp ayl\u0131k uygulan\u0131r; taksitli kredilerin \u00e7o\u011fu b\u00f6yle \u00e7al\u0131\u015f\u0131r. Farkl\u0131 \u015fekilde bile\u015fik faiz uygulanan krediler hafif sapma g\u00f6sterebilir.<\/li>\n<li><strong>Plan\u0131na g\u00f6re \u00f6deme.<\/strong> Ek \u00f6demeler, gecikmi\u015f \u00f6demeler veya erken kapatma toplam faizi de\u011fi\u015ftirir. Asgari tutardan fazla \u00f6demek vadeyi k\u0131salt\u0131r ve faizi azalt\u0131r.<\/li>\n<li><strong>%0 oran u\u00e7 durumu.<\/strong> %0 faiz girerseniz hesaplama arac\u0131 borcu aylara e\u015fit olarak b\u00f6ler; b\u00f6ylece gayri resmi, faizsiz geri \u00f6deme planlar\u0131 i\u00e7in de kullan\u0131labilir.<\/li>\n<\/ul>\n<p>Genel bor\u00e7 y\u00fck\u00fcn\u00fcz\u00fcn y\u00f6netilebilir olup olmad\u0131\u011f\u0131n\u0131 de\u011ferlendirmek i\u00e7in bu arac\u0131 <a href=\"https:\/\/wpcalc.com\/en\/finance\/debt-to-assets-ratio\/\">Bor\u00e7\/Varl\u0131k Oran\u0131<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-ozkaynak-orani\/\">Bor\u00e7\/\u00d6zkaynak Oran\u0131<\/a> hesaplama ara\u00e7lar\u0131m\u0131zla birlikte kullan\u0131n veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/faiz-karsilama-orani\/\">Faiz Kar\u015f\u0131lama Oran\u0131<\/a> hesaplama arac\u0131yla gelirinizin y\u00fck\u00fcml\u00fcl\u00fcklerinizi rahat\u00e7a kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 kontrol edin.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir bor\u00e7 birle\u015ftirme kredisi i\u00e7in sabit ayl\u0131k \u00f6demeyi tahmin edin. Toplam birle\u015ftirilen borcu, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve kredi vadesini girin; ayl\u0131k \u00f6demeyi, toplam geri \u00f6demeyi ve toplam faizi 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":[48],"class_list":["post-273","post","type-post","status-publish","format-standard","hentry","category-finans","tag-faiz"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/273","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=273"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/273\/revisions"}],"predecessor-version":[{"id":3416,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/273\/revisions\/3416"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=273"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=273"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=273"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}