{"id":4096,"date":"2026-10-20T12:05:03","date_gmt":"2026-10-20T11:05:03","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/yasam\/araba-butcesi-hesaplama\/"},"modified":"2026-10-20T12:05:03","modified_gmt":"2026-10-20T11:05:03","slug":"araba-butcesi-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/yasam\/araba-butcesi-hesaplama\/","title":{"rendered":"Araba b\u00fct\u00e7esi hesaplama \u2013 ne kadarl\u0131k ara\u00e7 alabilirim"},"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\">Maksimum ara\u00e7 fiyat\u0131n\u0131z\u0131 hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4096\" data-favorite-title=\"Araba b\u00fct\u00e7esi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/yasam\/araba-butcesi-hesaplama\/\" data-favorite-excerpt=\"Hedef ayl\u0131k \u00f6demenize veya gelirinize g\u00f6re kar\u015f\u0131layabilece\u011finiz en y\u00fcksek ara\u00e7 fiyat\u0131n\u0131 tahmin edin. Kredi faiz oran\u0131n\u0131, pe\u015finat\u0131, takas de\u011ferini, vergileri, har\u00e7lar\u0131 ve ayl\u0131k kullan\u0131m giderlerini girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-roadways\">\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\/yasam\/araba-butcesi-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4096\" data-post=\"4096\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field is-single\" id=\"input-1\"><label for=\"field-1\">Hesaplama y\u00f6ntemi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"hesaplama_yntemi\"><option value=\"payment\" selected>Ayl\u0131k \u00f6deme<\/option><option value=\"income\">Gelir ve 20\/4\/10 kural\u0131<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">\u0130stenen ayl\u0131k \u00f6deme<\/label><input type=\"text\" name=\"stenen_aylk_deme\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"400\"\/><div class=\"unit\" id=\"calc-unit-2\">$\/ay<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Kredi vadesi<\/label><input type=\"text\" name=\"kredi_vadesi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"36\" max=\"84\" value=\"48\"\/><div class=\"unit\" id=\"calc-unit-3\">ay<\/div><small id=\"calc-info-3\">Gelir modunda 20\/4\/10 kural\u0131na uyulmas\u0131 i\u00e7in 48 ayl\u0131k kredi vadesi kullan\u0131l\u0131r.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Ayl\u0131k br\u00fct gelir<\/label><input type=\"text\" name=\"aylk_brt_gelir\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"8000\"\/><div class=\"unit\" id=\"calc-unit-4\">$\/ay<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Di\u011fer ayl\u0131k bor\u00e7 \u00f6demeleri<\/label><input type=\"text\" name=\"dier_aylk_bor_demeleri\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-5\">$\/ay<\/div><small id=\"calc-info-5\">Ek bir %36 bor\u00e7\/gelir kontrol\u00fcnde kullan\u0131l\u0131r.<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Kredi AKF<\/label><input type=\"text\" name=\"kredi_akf\" id=\"field-6\" aria-describedby=\"calc-unit-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-6\">%<\/div><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Nakit pe\u015finat<\/label><input type=\"text\" name=\"nakit_peinat\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Takas de\u011feri<\/label><input type=\"text\" name=\"takas_deeri\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2000\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">Bu al\u0131m i\u00e7in kullan\u0131labilir takas de\u011ferini girin.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Sat\u0131\u015f vergisi oran\u0131<\/label><input type=\"text\" name=\"sat_vergisi_oran\" id=\"field-9\" aria-describedby=\"calc-unit-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-9\">%<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Al\u0131m masraflar\u0131<\/label><input type=\"text\" name=\"alm_masraflar\" id=\"field-10\" aria-describedby=\"calc-unit-10 calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"400\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><small id=\"calc-info-10\">Masraflar kredilendirilen tutara dahildir.<\/small><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Ayl\u0131k sigorta<\/label><input type=\"text\" name=\"aylk_sigorta\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"130\"\/><div class=\"unit\" id=\"calc-unit-11\">$\/ay<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Ayl\u0131k yak\u0131t<\/label><input type=\"text\" name=\"aylk_yakt\" id=\"field-12\" aria-describedby=\"calc-unit-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"170\"\/><div class=\"unit\" id=\"calc-unit-12\">$\/ay<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4096\">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> Ara\u00e7 al\u0131m g\u00fcc\u00fc tahmini<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Maksimum ara\u00e7 fiyat\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Kredi tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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>Toplam kredi faizi<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Ayl\u0131k kredi \u00f6demesi<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\/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 class=\"field-result is-column\" id=\"output-5\"><span class=\"field-title\"><span>20\/4\/10 kural\u0131 kontrol listesi<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/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 is-column\" id=\"output-6\"><span class=\"field-title\"><span>B\u00fct\u00e7e ayr\u0131nt\u0131lar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/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=\"4096\" 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>Ara\u00e7 b\u00fct\u00e7esi 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\\[\\begin{aligned}L&amp;=M\\frac{1-(1+r)^{-n}}{r}\\\\P&amp;=\\frac{L+D-F}{1+t}\\\\M_{\\text{gelir}}&amp;=\\min(0.10G-I-U,\\;0.36G-O)\\\\P_{\\text{gelir}}&amp;=\\min\\!\\left(\\frac{L_{\\text{gelir}}+D-F}{1+t},\\;\\frac{D}{0.20}\\right)\\end{aligned}\\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>De\u011fi\u015fkenler:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 sat\u0131\u015f vergisi ve al\u0131m har\u00e7lar\u0131 hari\u00e7 en y\u00fcksek ara\u00e7 fiyat\u0131.<\/li>\n<li>\\(L\\) \u2014 kredi tutar\u0131; \\(M\\) \u2014 ayl\u0131k kredi \u00f6demesi; \\(n\\) \u2014 kredi vadesi (ay).<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131; APR y\u00fczde olarak girildi\u011finde APR'yi 1.200'e b\u00f6lerek bulunur.<\/li>\n<li>\\(D\\) \u2014 nakit pe\u015finat\u0131n\u0131zla takas arac\u0131n\u0131zdaki net de\u011fer; \\(F\\) \u2014 al\u0131m har\u00e7lar\u0131; \\(t\\) \u2014 ondal\u0131k olarak sat\u0131\u015f vergisi oran\u0131.<\/li>\n<li>\\(G\\) \u2014 br\u00fct ayl\u0131k gelir; \\(I\\) \u2014 ayl\u0131k sigorta; \\(U\\) \u2014 ayl\u0131k yak\u0131t gideri; \\(O\\) \u2014 di\u011fer ayl\u0131k bor\u00e7 \u00f6demeleri.<\/li>\n<li>\\(L_{\\text{gelir}}\\) \u2014 48 ay boyunca \\(M_{\\text{gelir}}\\) \u00f6demesiyle finanse edilebilen kredi tutar\u0131.<\/li>\n<\/ul>\n<p>Ayl\u0131k \u00f6deme modunda hesaplay\u0131c\u0131, istedi\u011finiz \u00f6demeyi \u00f6nce bir kredi tutar\u0131na \u00e7evirir, sonra ara\u00e7 fiyat\u0131n\u0131 bulmak i\u00e7in elinizdeki pe\u015finat ve takas katk\u0131s\u0131n\u0131 ekler. Gelir modunda ise \u00f6demeye dayal\u0131 fiyat ile %20 pe\u015finat kural\u0131n\u0131n izin verdi\u011fi fiyat\u0131n d\u00fc\u015f\u00fck olan\u0131 kullan\u0131l\u0131r. Y\u0131ll\u0131k faiz oran\u0131 (APR) %0 oldu\u011funda kredi tutar\u0131, ayl\u0131k \u00f6demenin vade ile \u00e7arp\u0131m\u0131na e\u015fittir.<\/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>Ara\u00e7 b\u00fct\u00e7esi \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> Varsay\u0131lan ayarlarla %6 APR ve 48 ay vade i\u00e7in ayda $400 kredi \u00f6demesi hedefliyorsunuz. Elinizde $6.000 nakit pe\u015finat ve $2.000 takas de\u011feri var; sat\u0131\u015f vergisi %6, al\u0131m har\u00e7lar\u0131 $400.<\/p>\n<p>\\[\\begin{aligned}r&amp;=6\/1200=0.005\\\\L&amp;=400\\frac{1-(1.005)^{-48}}{0.005}\\approx\\$17{,}032.13\\\\P&amp;=\\frac{17{,}032.1271+6{,}000+2{,}000-400}{1.06}\\approx\\$23{,}237.86\\end{aligned}\\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> vergi ve har\u00e7lar hari\u00e7 en y\u00fcksek ara\u00e7 fiyat\u0131 <strong>$23.237,86<\/strong> olabiliyor. Kredi tutar\u0131 $17.032,13, 48 \u00f6demede \u00f6dedi\u011finiz toplam faiz ise $2.167,87. Varsay\u0131lan $130 sigorta ve $170 yak\u0131t tahminleriyle birlikte ayl\u0131k \u00f6demeyi, sigortay\u0131 ve yak\u0131t\u0131 toplad\u0131\u011f\u0131n\u0131zda ortaya \u00e7\u0131kan tutar $700.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li>Hedef bir kredi \u00f6demeniz varsa <strong>\u015euna g\u00f6re hesapla<\/strong> se\u00e7ene\u011fini <strong>Ayl\u0131k \u00f6deme<\/strong> konumuna getirin; fiyat\u0131n bu kural \u00e7er\u00e7evesinde s\u0131n\u0131rlanmas\u0131n\u0131 istiyorsan\u0131z <strong>Gelir ve 20\/4\/10 kural\u0131<\/strong> se\u00e7ene\u011fini i\u015faretleyin.<\/li>\n<li>Ayl\u0131k \u00f6deme modunda <strong>istedi\u011finiz ayl\u0131k \u00f6demeyi<\/strong> ve <strong>kredi vadesini<\/strong> girin. Se\u00e7ilebilecek vade 36\u201384 ayd\u0131r. Gelir modunda ise vade sabit olarak 48 ay kullan\u0131l\u0131r.<\/li>\n<li><strong>Br\u00fct ayl\u0131k gelirinizi<\/strong> ve <strong>di\u011fer ayl\u0131k bor\u00e7 \u00f6demelerinizi<\/strong> girin. Gelir modu \u00f6deme s\u0131n\u0131r\u0131n\u0131 koymak i\u00e7in her ikisini de kullan\u0131r; Ayl\u0131k \u00f6deme modunda bu de\u011ferler kural kontrol\u00fcnde ve bor\u00e7-gelir oran\u0131 kontrol\u00fcnde kullan\u0131l\u0131r.<\/li>\n<li>Beklenen <strong>kredi APR'sini (y\u0131ll\u0131k faiz oran\u0131n\u0131)<\/strong>, <strong>nakit pe\u015finat\u0131n\u0131z\u0131<\/strong> ve <strong>takas de\u011ferini<\/strong> girin. Takas arac\u0131nda borcunuz varsa arac\u0131n tam de\u011ferini de\u011fil, bu al\u0131mda kullanabilece\u011finiz net takas tutar\u0131n\u0131 girin.<\/li>\n<li><strong>Sat\u0131\u015f vergisi oran\u0131n\u0131<\/strong>, <strong>al\u0131m har\u00e7lar\u0131n\u0131<\/strong>, <strong>ayl\u0131k sigortay\u0131<\/strong> ve <strong>ayl\u0131k yak\u0131t giderini<\/strong> ekleyin. En y\u00fcksek ara\u00e7 fiyat\u0131n\u0131 kredi tutar\u0131, faiz, ayl\u0131k \u00f6deme, kontrol listesi ve b\u00fct\u00e7e ayr\u0131nt\u0131lar\u0131yla birlikte incelleyin.<\/li>\n<\/ol>\n<h2>Ara\u00e7 b\u00fct\u00e7esi burada ne anlama geliyor<\/h2>\n<p><strong>En y\u00fcksek ara\u00e7 fiyat\u0131<\/strong>, se\u00e7ti\u011finiz y\u00f6nteme g\u00f6re \u00f6deyebilece\u011finiz tahmini etiket fiyat\u0131d\u0131r; arac\u0131n sahip olman\u0131n t\u00fcm maliyeti de\u011fildir. Sat\u0131\u015f vergisi ve al\u0131m har\u00e7lar\u0131 finanse edilen tutar hesaplan\u0131rken eklendi\u011fi i\u00e7in b\u00fct\u00e7enizin ta\u015f\u0131yabilece\u011fi etiket fiyat\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr. Nakit pe\u015finat\u0131n\u0131z ve takas de\u011feriniz ise kredi tutar\u0131n\u0131 azalt\u0131r.<\/p>\n<p>20\/4\/10 kural\u0131, ara\u00e7 fiyat\u0131n\u0131n en az %20'sini pe\u015finat olarak \u00f6demeyi, krediyi en fazla d\u00f6rt y\u0131l vadeli \u00e7ekmeyi ve ayl\u0131k ara\u00e7 maliyetlerinin br\u00fct ayl\u0131k gelirin %10'unu a\u015fmamas\u0131n\u0131 \u00f6nerir. Bu hesaplay\u0131c\u0131, %10 s\u0131n\u0131r\u0131na kredi \u00f6demesini, sigortay\u0131 ve yak\u0131t\u0131 dahil eder. Gelir modu fiyat\u0131 bulurken \u00fc\u00e7 ko\u015fulun tamam\u0131n\u0131 uygular; Ayl\u0131k \u00f6deme modunda ise se\u00e7ti\u011finiz \u00f6demenin bu ko\u015fullar\u0131 kar\u015f\u0131lay\u0131p kar\u015f\u0131lamad\u0131\u011f\u0131n\u0131 raporlar.<\/p>\n<p>Hesaplay\u0131c\u0131 ayr\u0131ca di\u011fer ayl\u0131k bor\u00e7 \u00f6demelerinizle ara\u00e7 kredisi \u00f6demenizin toplam\u0131n\u0131n br\u00fct ayl\u0131k gelirin %36's\u0131n\u0131 a\u015fmad\u0131\u011f\u0131n\u0131 da kontrol eder. Bu, 20\/4\/10 kural\u0131n\u0131n par\u00e7as\u0131 olmayan <em>ek<\/em> bir bor\u00e7-gelir oran\u0131 kontrol\u00fcd\u00fcr. Gelir modunda, %10 ara\u00e7 maliyeti kural\u0131ndan daha dar bir \u00f6deme s\u0131n\u0131r\u0131 belirleyebilir. Ayl\u0131k \u00f6deme modunda ise g\u00f6sterilen fiyata bir \u00fcst s\u0131n\u0131r de\u011fil, bir uyar\u0131 niteli\u011fi ta\u015f\u0131r.<\/p>\n<h2>Varsay\u0131mlar ve pratik b\u00fct\u00e7eleme ipu\u00e7lar\u0131<\/h2>\n<p>Tahmin, sabit bir APR ve kredi s\u00fcresi boyunca e\u015fit ayl\u0131k \u00f6demeler varsayar. Toplam kredi faizi, bu \u00f6demelerin toplam\u0131ndan bor\u00e7 al\u0131nan tutar\u0131n \u00e7\u0131kar\u0131lmas\u0131yla bulunur; sigortay\u0131, yak\u0131t\u0131 ya da di\u011fer sahip olma maliyetlerini kapsamaz. Ger\u00e7ek APR'niz, vergileriniz, har\u00e7lar\u0131n\u0131z ve sigorta teklifiniz girdi\u011finiz tutarlardan farkl\u0131 olabilir. Sat\u0131\u015f vergisi, tahmini ara\u00e7 fiyat\u0131n\u0131n tamam\u0131na uygulan\u0131r; hesaplama, b\u00f6lgeye \u00f6zg\u00fc takas vergisi indirimleri gibi unsurlar\u0131 dikkate almaz.<\/p>\n<p>Sigorta ve yak\u0131t faydal\u0131 bir ba\u015flang\u0131\u00e7 noktas\u0131d\u0131r; fakat bak\u0131m\u0131, onar\u0131m\u0131, park \u00fccretini, tescili veya de\u011fer kayb\u0131n\u0131 kapsamaz. Bu giderlere ve beklenmedik faturalara yer b\u0131rak\u0131n; en y\u00fcksek fiyat\u0131 bir harcama hedefi olarak g\u00f6rmeyin. Bak\u0131m zaman\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/yasam\/arac-bakim-zamani-hesaplama\/\">ara\u00e7 bak\u0131m zaman\u0131 hesaplay\u0131c\u0131s\u0131yla<\/a>, yak\u0131t maliyetini ise <a href=\"https:\/\/wpcalc.com\/tr\/yasam\/yakit-tuketimi-hesaplayici\/\">yak\u0131t t\u00fcketimi hesaplay\u0131c\u0131s\u0131yla<\/a> daha ayr\u0131nt\u0131l\u0131 tahmin edebilirsiniz.<\/p>\n<p>Daha uzun bir kredi vadesi, ayn\u0131 ayl\u0131k \u00f6demeyle daha y\u00fcksek bir ara\u00e7 fiyat\u0131n\u0131 m\u00fcmk\u00fcn k\u0131labilir; ancak genelde toplam faizi art\u0131r\u0131r ve ara\u00e7 de\u011fer kaybederken borcunuzun arac\u0131n de\u011ferinin \u00fczerinde kalmas\u0131na yol a\u00e7abilir. Bir vade se\u00e7meden \u00f6nce hem ayl\u0131k \u00f6demeyi hem de toplam kredi faizini kar\u015f\u0131la\u015ft\u0131r\u0131n. Sat\u0131n almak yerine leasing d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, bu farkl\u0131 \u00f6deme yap\u0131s\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/yasam\/arac-leasing-odemesi-hesaplama\/\">ara\u00e7 leasing \u00f6deme hesaplay\u0131c\u0131s\u0131yla<\/a> inceleyebilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hedef ayl\u0131k \u00f6demenize veya gelirinize g\u00f6re kar\u015f\u0131layabilece\u011finiz en y\u00fcksek ara\u00e7 fiyat\u0131n\u0131 tahmin edin. Kredi faiz oran\u0131n\u0131, pe\u015finat\u0131, takas de\u011ferini, vergileri, har\u00e7lar\u0131 ve ayl\u0131k kullan\u0131m giderlerini girin.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[81],"class_list":["post-4096","post","type-post","status-publish","format-standard","hentry","category-yasam","tag-otomobil-ve-seyahat"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4096","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=4096"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4096\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}