{"id":275,"date":"2026-10-03T13:11:54","date_gmt":"2026-10-03T12:11:54","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/borc-karsilama-orani\/"},"modified":"2026-10-03T13:11:54","modified_gmt":"2026-10-03T12:11:54","slug":"borc-karsilama-orani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/borc-karsilama-orani\/","title":{"rendered":"Bor\u00e7 Kar\u015f\u0131lama Oran\u0131 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\">NOI ve Bor\u00e7 \u00d6demelerinden Bor\u00e7 Kar\u015f\u0131lama Oran\u0131 Hesaplama<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"275\" data-favorite-title=\"Bor\u00e7 Kar\u015f\u0131lama Oran\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/borc-karsilama-orani\/\" data-favorite-excerpt=\"Y\u0131ll\u0131k net i\u015fletme geliri ve toplam bor\u00e7 hizmeti tutar\u0131n\u0131 girerek Bor\u00e7 Kar\u015f\u0131lama Oran\u0131&#039;n\u0131 (DCR) hesaplay\u0131n. Sonu\u00e7, i\u015fletme gelirinizin anapara ve faiz \u00f6demelerini kar\u015f\u0131lamaya yetip yetmedi\u011fini g\u00f6sterir.\" 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-karsilama-orani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-275\" data-post=\"275\"><fieldset class=\"fieldset-input is-1\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Net \u0130\u015fletme Geliri<\/label><div class=\"term\">NOI<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"net_letme_geliri\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"50000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Y\u0131ll\u0131k net i\u015fletme geliri (\u00f6r. kira eksi giderler)<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Toplam Bor\u00e7 Servisi<\/label><div class=\"term\">DS<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"toplam_bor_servisi\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"40000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Toplam y\u0131ll\u0131k bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fckleri (anapara + faiz)<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"275\">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 Kar\u015f\u0131lama Oran\u0131 (DCR)<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/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=\"275\" 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 Kar\u015f\u0131lama Oran\u0131 (DCR) 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{DCR} = \\frac{\\text{Net \u0130\u015fletme Geliri}}{\\text{Toplam Bor\u00e7 Hizmeti}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(\\text{NOI}\\) \u2014 net i\u015fletme geliri: bor\u00e7 \u00f6demelerinden \u00f6nceki y\u0131ll\u0131k faaliyet geliri (\u00f6rne\u011fin kira gelirinden i\u015fletme giderlerinin d\u00fc\u015f\u00fclmesi)<\/li>\n<li>\\(\\text{DS}\\) \u2014 toplam bor\u00e7 hizmeti: t\u00fcm kredilerde anapara ve faizden olu\u015fan toplam y\u0131ll\u0131k \u00f6demeler<\/li>\n<\/ul>\n<p>Form\u00fcl, her bir dolarl\u0131k bor\u00e7 \u00f6demesi i\u00e7in ka\u00e7 dolar i\u015fletme geliri mevcut oldu\u011funu g\u00f6sterir. 1'in \u00fczerindeki bir DCR, gelirin borcu kar\u015f\u0131lad\u0131\u011f\u0131 anlam\u0131na gelir; 1'in alt\u0131 ise bir a\u00e7\u0131k oldu\u011funa i\u015faret eder.<\/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 Kar\u015f\u0131lama Oran\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir kiral\u0131k gayrimenkul y\u0131lda 50.000 $ net i\u015fletme geliri \u00fcretiyor ve mal sahibi ipote\u011fi i\u00e7in y\u0131ll\u0131k 40.000 $ anapara ve faiz \u00f6demesi yap\u0131yor.<\/p>\n<p>\\[ \\text{DCR} = \\frac{50{,}000}{40{,}000} = 1.25 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> Bor\u00e7 Kar\u015f\u0131lama Oran\u0131 1,25'tir; yani gayrimenkul\u00fcn geliri bor\u00e7 \u00f6demelerinin %125'i kadard\u0131r \u2014 gerekli kredi \u00f6demelerinin %25 \u00fczerinde bir tampon.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Y\u0131ll\u0131k <strong>Net \u0130\u015fletme Gelirinizi<\/strong> girin \u2014 i\u015fletme giderleri d\u00fc\u015f\u00fcld\u00fckten sonra, ancak bor\u00e7 \u00f6demeleri ve vergilerden \u00f6nceki gelir. Kiral\u0131k bir gayrimenkul i\u00e7in bu genellikle br\u00fct kiran\u0131n bak\u0131m, sigorta ve m\u00fclk y\u00f6netimi \u00fccreti gibi giderler d\u00fc\u015f\u00fclm\u00fc\u015f h\u00e2lidir.<\/li>\n<li><strong>Toplam Bor\u00e7 Hizmetinizi<\/strong> girin \u2014 kredilerinizdeki t\u00fcm y\u0131ll\u0131k anapara ve faiz \u00f6demelerinin toplam\u0131. Buraya i\u015fletme giderlerini de\u011fil, yaln\u0131zca bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fcklerini dahil edin.<\/li>\n<li><strong>Bor\u00e7 Kar\u015f\u0131lama Oran\u0131 (DCR)<\/strong> sonucunu okuyun. \u00d6rne\u011fin 1,25 de\u011feri, gelirin bor\u00e7 \u00f6demelerini 1,25 kez kar\u015f\u0131lad\u0131\u011f\u0131 anlam\u0131na gelir.<\/li>\n<\/ol>\n<h2>Bor\u00e7 Kar\u015f\u0131lama Oran\u0131 Nedir?<\/h2>\n<p>Bor\u00e7 Kar\u015f\u0131lama Oran\u0131 (DCR), Bor\u00e7 Hizmeti Kar\u015f\u0131lama Oran\u0131 (DSCR) olarak da adland\u0131r\u0131l\u0131r ve gayrimenkul, bankac\u0131l\u0131k ve kurumsal finansta temel bir g\u00f6stergedir. Bir bor\u00e7lunun bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fcklerini faaliyet gelirinden ne kadar rahat kar\u015f\u0131layabildi\u011fini \u00f6l\u00e7er. \u00d6rne\u011fin 1,2'lik bir DCR, gelirin bor\u00e7 \u00f6demelerinin %120'si oldu\u011fu \u2014 yani onlar\u0131 %20'lik bir g\u00fcvenlik marj\u0131yla kar\u015f\u0131layabildi\u011fi anlam\u0131na gelir.<\/p>\n<p>Kredilendiriciler bu orana, ticari ipotek ve i\u015fletme kredilerinin onaylanmas\u0131nda a\u011f\u0131rl\u0131k verir; \u00e7\u00fcnk\u00fc oran, bor\u00e7lunun di\u011fer varl\u0131klar\u0131ndan de\u011fil, gayrimenkul\u00fcn veya \u015firketin kendi nakit ak\u0131\u015f\u0131ndan borcun s\u00fcrd\u00fcr\u00fclebilirli\u011fini yans\u0131t\u0131r. \u00c7o\u011fu ticari kredilendirici, kredi onaylamadan \u00f6nce en az 1,2 ila 1,25'lik bir DCR arar. Daha d\u00fc\u015f\u00fck bir oran, alg\u0131lanan riski art\u0131r\u0131r ve daha k\u00fc\u00e7\u00fck bir kredi tutar\u0131na, daha y\u00fcksek bir faiz oran\u0131na veya reddedilen bir ba\u015fvuruya yol a\u00e7abilir.<\/p>\n<p>Yat\u0131r\u0131mc\u0131lar ve m\u00fclk sahipleri i\u00e7in DCR, s\u00fcregelen bir sa\u011fl\u0131k kontrol\u00fc olarak da ayn\u0131 derecede kullan\u0131\u015fl\u0131d\u0131r. Zaman i\u00e7inde izlenmesi, artan giderlerin, d\u00fc\u015fen kiralar\u0131n veya b\u00fcy\u00fcyen borcun g\u00fcvenlik tamponunu a\u015f\u0131nd\u0131r\u0131p a\u015f\u0131nd\u0131mad\u0131\u011f\u0131n\u0131 ortaya koyar. D\u00fc\u015fen bir DCR, gayrimenkul\u00fcn veya i\u015fletmenin borcunu \u00f6deyemez h\u00e2le gelmesinden \u00f6nce refinansman veya yeniden yap\u0131land\u0131rma gerekebilece\u011finin erken bir uyar\u0131 i\u015faretidir.<\/p>\n<h2>Sonu\u00e7 Nas\u0131l Yorumlan\u0131r?<\/h2>\n<ul>\n<li><strong>DCR &gt; 1,25:<\/strong> rahat bir kar\u015f\u0131lama; gelir, bor\u00e7 \u00f6demelerini sa\u011fl\u0131kl\u0131 bir tamponla a\u015f\u0131yor. \u00c7o\u011fu kredilendirici bunu g\u00fcvenli bir aral\u0131k olarak kabul eder.<\/li>\n<li><strong>DCR 1,0 ile 1,25 aras\u0131nda:<\/strong> gelir borcu kar\u015f\u0131l\u0131yor, ancak tampon ince. Gelirde k\u00fc\u00e7\u00fck bir d\u00fc\u015f\u00fc\u015f veya giderlerde bir art\u0131\u015f sorun yaratabilir ve kredilendiriciler daha kat\u0131 \u015fartlar uygulayabilir.<\/li>\n<li><strong>DCR &lt; 1,0:<\/strong> i\u015fletme geliri bor\u00e7 \u00f6demelerini kar\u015f\u0131lam\u0131yor. Bor\u00e7lu, krediyi s\u00fcrd\u00fcrebilmek i\u00e7in birikimlere, rezervlere veya d\u0131\u015f gelire ba\u015fvurmak zorundad\u0131r.<\/li>\n<\/ul>\n<p>Daha y\u00fcksek bir DCR her zaman daha iyi de\u011fildir: son derece y\u00fcksek bir oran, bor\u00e7lunun \u00e7ok az bor\u00e7 ald\u0131\u011f\u0131n\u0131 ve b\u00fcy\u00fcme f\u0131rsatlar\u0131n\u0131 ka\u00e7\u0131rd\u0131\u011f\u0131n\u0131 g\u00f6sterebilir; ancak tamamen g\u00fcvenlik a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda oran ne kadar y\u00fcksekse temerr\u00fct riski o kadar d\u00fc\u015f\u00fckt\u00fcr.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>NOI, bor\u00e7 \u00f6demelerini i\u00e7ermez.<\/strong> Net i\u015fletme geliri anapara ve faizden \u00f6nce hesaplan\u0131r; bu nedenle girerken kredi \u00f6demelerini yanl\u0131\u015fl\u0131kla d\u00fc\u015fmedi\u011finizden emin olun.<\/li>\n<li><strong>Yaln\u0131zca y\u0131ll\u0131k rakamlar.<\/strong> Her iki girdi de ayn\u0131 d\u00f6nemi (genellikle bir y\u0131l\u0131) kapsamal\u0131d\u0131r. Ayl\u0131k rakamlar\u0131n\u0131z varsa, girmeden \u00f6nce ikisini de 12 ile \u00e7arp\u0131n.<\/li>\n<li><strong>Yaln\u0131zca anapara ve faiz.<\/strong> Toplam bor\u00e7 hizmeti anapara ve faiz \u00f6demelerini i\u00e7erir; vergi, sigorta veya yenileme rezervleri genellikle hari\u00e7tir, ancak baz\u0131 kredilendiriciler kendi DSCR hesaplamalar\u0131na bunlar\u0131 dahil eder.<\/li>\n<li><strong>Nakit ak\u0131\u015f\u0131 garanti de\u011fildir.<\/strong> DCR, beklenen veya ge\u00e7mi\u015f gelire dayan\u0131r. Bo\u015f daireler, gecikmi\u015f \u00f6demeler veya beklenmedik giderler ger\u00e7ek kar\u015f\u0131lamay\u0131 azaltabilir.<\/li>\n<li><strong>Vergi ve amortisman etkileri yoktur.<\/strong> Oran vergi \u00f6ncesi i\u015fletme gelirini kullan\u0131r ve nakit d\u0131\u015f\u0131 kalemleri yok sayar; bu y\u00fczden muhasebe k\u00e2rl\u0131l\u0131\u011f\u0131 \u00f6l\u00e7\u00fctlerinden farkl\u0131d\u0131r.<\/li>\n<\/ul>\n<h2>\u0130lgili Hesaplay\u0131c\u0131lar<\/h2>\n<ul>\n<li>Yaln\u0131zca faiz \u00f6demelerine g\u00f6re kar\u015f\u0131lamay\u0131 kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/faiz-karsilama-orani\/\">Faiz Kar\u015f\u0131lama Oran\u0131<\/a> hesaplay\u0131c\u0131s\u0131n\u0131 deneyin.<\/li>\n<li>Faiz ve vergi \u00f6ncesi geliri, kar\u015f\u0131lama analizinin yayg\u0131n bir ba\u015flang\u0131\u00e7 noktas\u0131 olan <a href=\"https:\/\/wpcalc.com\/tr\/finans\/faiz-vergi-oncesi-kar-faok\/\">FV\u00d6K (EBIT) hesaplay\u0131c\u0131s\u0131yla<\/a> hesaplay\u0131n.<\/li>\n<li>Genel sermaye yap\u0131s\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-ozkaynak-orani\/\">Bor\u00e7\/\u00d6zkaynak Oran\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-varlik-orani\/\">Bor\u00e7\/Varl\u0131k Oran\u0131<\/a> hesaplay\u0131c\u0131lar\u0131yla de\u011ferlendirin.<\/li>\n<li>Bir bor\u00e7 yap\u0131land\u0131rma plan\u0131 i\u00e7in kredi \u00f6demeleri mi tahmin ediyorsunuz? <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">Bor\u00e7 Yap\u0131land\u0131rma \u00d6demesi<\/a> hesaplay\u0131c\u0131s\u0131na bak\u0131n.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Y\u0131ll\u0131k net i\u015fletme geliri ve toplam bor\u00e7 hizmeti tutar\u0131n\u0131 girerek Bor\u00e7 Kar\u015f\u0131lama Oran\u0131'n\u0131 (DCR) hesaplay\u0131n. Sonu\u00e7, i\u015fletme gelirinizin anapara ve faiz \u00f6demelerini kar\u015f\u0131lamaya yetip yetmedi\u011fini g\u00f6sterir.<\/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-275","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\/275","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=275"}],"version-history":[{"count":6,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/275\/revisions"}],"predecessor-version":[{"id":3414,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/275\/revisions\/3414"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}