{"id":306,"date":"2026-10-03T13:18:29","date_gmt":"2026-10-03T12:18:29","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/pesinat-hesaplama\/"},"modified":"2026-10-03T13:18:29","modified_gmt":"2026-10-03T12:18:29","slug":"pesinat-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/pesinat-hesaplama\/","title":{"rendered":"Pe\u015finat 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\">Pe\u015finat Sonras\u0131 Kredi \u00d6demesi Hesaplama Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"306\" data-favorite-title=\"Pe\u015finat\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/pesinat-hesaplama\/\" data-favorite-excerpt=\"Pe\u015finat tutar\u0131n\u0131n (%0&#039;dan &#039;ye) ayl\u0131k kredi \u00f6demenizi nas\u0131l etkiledi\u011fini tahmin edin. Kredi tutar\u0131n\u0131, faiz oran\u0131n\u0131 ve vadeyi girerek senaryolar\u0131 an\u0131nda kar\u015f\u0131la\u015ft\u0131r\u0131n.\" 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\/pesinat-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-306\" data-post=\"306\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Kredi Tutar\u0131<\/label><input type=\"text\" name=\"kredi_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Toplam kredi tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Faiz Oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Vade (y\u0131l)<\/label><input type=\"text\" name=\"vade_yl\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"50\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">Kredi vadesini y\u0131l olarak girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"306\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>%0 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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>%0 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>%1 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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 class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>%1 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>%3 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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-6\"><span class=\"field-title\"><span>%3 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>%5 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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-8\"><span class=\"field-title\"><span>%5 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-8\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-9\"><span class=\"field-title\"><span>%10 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-9\" data-unit=\"$\"><\/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-10\"><span class=\"field-title\"><span>%10 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-10\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-11\"><span class=\"field-title\"><span>%15 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-11\" data-unit=\"$\"><\/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-12\"><span class=\"field-title\"><span>%15 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-12\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-13\"><span class=\"field-title\"><span>%20 Pe\u015finat<\/span><\/span><span class=\"field-value\" id=\"result-13\" data-unit=\"$\"><\/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-14\"><span class=\"field-title\"><span>%20 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-14\" 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=\"306\" 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>Pe\u015finat 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\\[ D = L \\times \\frac{d}{100} \\]\n\\[ P = L - D \\]\n\\[ M = \\frac{P \\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>\\(L\\) \u2014 toplam kredi (sat\u0131n alma) tutar\u0131<\/li>\n<li>\\(d\\) \u2014 pe\u015finat y\u00fczdesi<\/li>\n<li>\\(D\\) \u2014 pe\u015finat tutar\u0131<\/li>\n<li>\\(P\\) \u2014 pe\u015finat \u00f6dendikten sonra kalan anapara<\/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>\\(n\\) \u2014 toplam ayl\u0131k \u00f6deme say\u0131s\u0131 (y\u0131ll\u0131k vade \u00d7 12)<\/li>\n<li>\\(M\\) \u2014 sabit ayl\u0131k \u00f6deme<\/li>\n<\/ul>\n<p>\u0130lk iki sat\u0131r, pe\u015fin \u00f6dedi\u011finiz nakit tutar\u0131 ve bor\u00e7land\u0131\u011f\u0131n\u0131z miktar\u0131 hesaplar. \u00dc\u00e7\u00fcnc\u00fc sat\u0131r, vade s\u00fcresi boyunca anapara ve faizi tamamen geri \u00f6deyen sabit ayl\u0131k \u00f6demeyi veren standart e\u015fit taksitli kredi form\u00fcl\u00fcd\u00fcr.<\/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>Pe\u015finat \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 300.000 dolara bir ev al\u0131yorsunuz; kredi 30 y\u0131ll\u0131k ve y\u0131ll\u0131k faiz oran\u0131 %5. %3 pe\u015finat ile %20 pe\u015finat\u0131 kar\u015f\u0131la\u015ft\u0131rmak istiyorsunuz.<\/p>\n<p>\\[ r = \\frac{5\\%}{12} = 0.0041667, \\quad n = 30 \\times 12 = 360 \\]<\/p>\n<p>%3 pe\u015finatla:<\/p>\n<p>\\[ D = 300{,}000 \\times 0.03 = 9{,}000 \\]<\/p>\n<p>\\[ P = 300{,}000 - 9{,}000 = 291{,}000 \\]<\/p>\n<p>\\[ M = \\frac{291{,}000 \\times 0.0041667}{1 - (1.0041667)^{-360}} \\approx 1{,}562.15 \\]<\/p>\n<p>%20 pe\u015finatla:<\/p>\n<p>\\[ D = 300{,}000 \\times 0.20 = 60{,}000 \\]<\/p>\n<p>\\[ P = 300{,}000 - 60{,}000 = 240{,}000 \\]<\/p>\n<p>\\[ M = \\frac{240{,}000 \\times 0.0041667}{1 - (1.0041667)^{-360}} \\approx 1{,}288.37 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> %3 pe\u015finat i\u00e7in 9.000 dolar pe\u015fin \u00f6deme ve yakla\u015f\u0131k 1.562,15 dolarl\u0131k ayl\u0131k \u00f6deme gerekir; %20 pe\u015finat ise 60.000 dolar pe\u015fin \u00f6deme gerektirir ancak ayl\u0131k \u00f6demeyi yakla\u015f\u0131k 1.288,37 dolara d\u00fc\u015f\u00fcr\u00fcr \u2014 bu da ayda yakla\u015f\u0131k 273,78 dolar tasarruf demektir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Kredi Tutar\u0131<\/strong>n\u0131 girin \u2014 sat\u0131n alma bedelinin tamam\u0131 ya da pe\u015finattan \u00f6nce finans etmeyi planlad\u0131\u011f\u0131n\u0131z toplam tutar.<\/li>\n<li><strong>Faiz Oran\u0131<\/strong>n\u0131 girin \u2014 kredi vericinizin size teklif etti\u011fi y\u0131ll\u0131k oran\u0131 y\u00fczde olarak (\u00f6rne\u011fin %5 i\u00e7in 5).<\/li>\n<li><strong>Vade (y\u0131l)<\/strong> bilgisini girin \u2014 kredinin s\u00fcresi; \u00f6rne\u011fin 30 y\u0131ll\u0131k ipotek i\u00e7in 30 veya 5 y\u0131ll\u0131k ara\u00e7 kredisi i\u00e7in 5.<\/li>\n<li>Sonu\u00e7 tablosunu inceleyin. Tablo, %0, %1, %3, %5, %10, %15 ve %20 pe\u015finat olmak \u00fczere yedi senaryo i\u00e7in pe\u015fin \u00f6denecek tutar\u0131 ve bunlara kar\u015f\u0131l\u0131k gelen ayl\u0131k \u00f6demeyi g\u00f6sterir.<\/li>\n<li>Her ek pe\u015fin dolar\u0131n ayl\u0131k y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcz\u00fc nas\u0131l azaltt\u0131\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in sat\u0131rlar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n, ard\u0131ndan ba\u015fka oranlar\u0131 veya vadeleri denemek i\u00e7in girdileri ayarlay\u0131n.<\/li>\n<\/ol>\n<h2>Pe\u015finat Nedir ve Neden \u00d6nemlidir?<\/h2>\n<p>Pe\u015finat, bir sat\u0131n alma bedelinin pe\u015fin nakit olarak \u00f6dedi\u011finiz k\u0131sm\u0131d\u0131r; kalan tutar kredi ile finanse edilir. \u0130potek i\u00e7in bu hesaplama arac\u0131na girdi\u011finiz kredi tutar\u0131 ev fiyat\u0131n\u0131 temsil eder; her senaryo, fiyattan pe\u015finat\u0131 \u00e7\u0131kararak asl\u0131nda bor\u00e7lanaca\u011f\u0131n\u0131z anaparay\u0131 bulur. Faiz anapara \u00fczerinden hesapland\u0131\u011f\u0131ndan, daha y\u00fcksek bir pe\u015finat hem ayl\u0131k \u00f6demenizi hem de kredinin \u00f6mr\u00fc boyunca \u00f6deyece\u011finiz toplam faizi azalt\u0131r.<\/p>\n<p>Tablo bu \u00f6d\u00fcnle\u015fimi net bi\u00e7imde g\u00f6sterir: daha fazla para koymak bug\u00fcn likiditenizi azalt\u0131r, ancak ayl\u0131k y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcz\u00fc kal\u0131c\u0131 olarak d\u00fc\u015f\u00fcr\u00fcr. 300.000 dolarl\u0131k bir evde, %5 oranla 30 y\u0131l boyunca, %3 pe\u015finattan %20 pe\u015finata ge\u00e7mek ayda yakla\u015f\u0131k 275 dolar tasarruf sa\u011flar ve \u00f6denen toplam faizi on binlerce dolar azalt\u0131r. Bu nedenle bir\u00e7ok finansal dan\u0131\u015fman, ev al\u0131rken en az %20 pe\u015finata do\u011fru birikim yapmay\u0131 \u00f6nerir.<\/p>\n<p>Pe\u015finat normlar\u0131 kredi t\u00fcr\u00fcne g\u00f6re de\u011fi\u015fir. Konvansiyonel ipotekler genellikle en az %3\u20135 ister, FHA kredileri %3,5'a kadar d\u00fc\u015f\u00fck pe\u015finata izin verir, VA ve USDA kredileri hi\u00e7 pe\u015finat istemeyebilir ve ara\u00e7 kredisi vericileri \u00e7o\u011funlukla %10\u201320 kabul eder. Hesaplama arac\u0131n\u0131n girilen tutar\u0131 tam sat\u0131n alma bedeli olarak ele ald\u0131\u011f\u0131n\u0131 unutmay\u0131n \u2014 akl\u0131n\u0131zda fiyattan ziyade finanse edilen tutar varsa, y\u00fczde sat\u0131rlar\u0131 yine de her pe\u015finat d\u00fczeyinin g\u00f6reli etkisini g\u00f6sterecektir. Tek bir senaryonun \u00f6deme d\u00f6k\u00fcm\u00fc i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">\u0130potek \u00d6demesi Hesaplama Arac\u0131m\u0131z\u0131<\/a> veya genel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama Arac\u0131n\u0131<\/a> deneyin.<\/p>\n<h2>%20 E\u015fi\u011fi ve Konut Kredisi Sigortas\u0131<\/h2>\n<p>Konvansiyonel konut kredilerinde %20'nin alt\u0131ndaki pe\u015finat genellikle \u00f6zel konut kredisi sigortas\u0131 (PMI) gerektirir; bu, kredi vericiyi \u2014 sizi de\u011fil \u2014 koruyan ek bir ayl\u0131k primdir. PMI tipik olarak y\u0131lda orijinal kredi tutar\u0131n\u0131n %0,3\u20131,5'i kadard\u0131r ve bu hesaplama arac\u0131n\u0131n sonu\u00e7lar\u0131na dahil de\u011fildir. Pe\u015finat\u0131n\u0131z %20'nin alt\u0131ndaysa, ger\u00e7ek\u00e7i bir toplam \u00f6deme i\u00e7in g\u00f6sterilen ayl\u0131k rakamlara tahmini bir PMI primi ekleyin. %20 \u00f6z kayna\u011fa ula\u015ft\u0131\u011f\u0131n\u0131zda genellikle PMI'n\u0131n kald\u0131r\u0131lmas\u0131n\u0131 talep edebilirsiniz.<\/p>\n<p>Pe\u015finat\u0131n tek pe\u015fin maliyetiniz olmad\u0131\u011f\u0131n\u0131 da unutmamak gerekir. Bir konut al\u0131m\u0131ndaki tapu ve kapan\u0131\u015f masraflar\u0131 genellikle fiyat\u0131n %2\u20135'i kadard\u0131r; de\u011ferleme, tapu, dosya masraflar\u0131 ve vergileri kapsar. Nakit rezervinizin hem pe\u015finat\u0131 hem de bu ek giderleri, ayr\u0131ca bir acil durum fonunu kar\u015f\u0131lad\u0131\u011f\u0131ndan emin olun. Bir konut kredisinin tam maliyet tablosunu g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplama Arac\u0131m\u0131za<\/a> 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, sabit faiz oranl\u0131, tamamen e\u015fit taksitli bir kredi varsayar. De\u011fi\u015fken faizli ipoteklerde (ARM) \u00f6demeler zamanla de\u011fi\u015fecektir.<\/li>\n<li><strong>Vergi, sigorta veya PMI yok:<\/strong> ayl\u0131k \u00f6deme rakamlar\u0131 yaln\u0131zca anapara ve faizi kapsar. Emlak vergileri, konut sigortas\u0131, site aidatlar\u0131 ve PMI ger\u00e7ek ayl\u0131k maliyetinizi art\u0131racakt\u0131r.<\/li>\n<li><strong>Masraf yok:<\/strong> dosya masraflar\u0131, kapan\u0131\u015f giderleri ve iskonto puanlar\u0131 hari\u00e7 tutulmu\u015ftur. Masraflar\u0131 krediye dahil ederseniz anaparan\u0131z \u2014 ve \u00f6demeniz \u2014 daha y\u00fcksek olacakt\u0131r. Pe\u015fin puan \u00f6demeyi de\u011ferlendirmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-iskonto-puani\/\">\u0130potek \u0130skonto Puan\u0131 Hesaplama Arac\u0131n\u0131<\/a> kullan\u0131n.<\/li>\n<li><strong>Y\u00fczde tabanl\u0131 senaryolar:<\/strong> hesaplama arac\u0131 sabit pe\u015finat d\u00fczeylerini (%0\u201320) g\u00f6sterir. Kredi vericiniz belirli bir dolar tutar\u0131 istiyorsa, e\u015fde\u011fer y\u00fczdeyi bulmak i\u00e7in bu tutar\u0131 kredi tutar\u0131na b\u00f6l\u00fcn.<\/li>\n<li><strong>S\u0131f\u0131r faizli krediler:<\/strong> %0 faiz oran\u0131 girerseniz, hesaplama arac\u0131 anaparay\u0131 t\u00fcm aylara e\u015fit olarak da\u011f\u0131t\u0131r.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Pe\u015finat tutar\u0131n\u0131n (%0'dan 'ye) ayl\u0131k kredi \u00f6demenizi nas\u0131l etkiledi\u011fini tahmin edin. Kredi tutar\u0131n\u0131, faiz oran\u0131n\u0131 ve vadeyi girerek senaryolar\u0131 an\u0131nda kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/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-306","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\/306","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=306"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/306\/revisions"}],"predecessor-version":[{"id":3303,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/306\/revisions\/3303"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}