{"id":4101,"date":"2026-10-20T12:29:23","date_gmt":"2026-10-20T11:29:23","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-faiz-hesaplayici\/"},"modified":"2026-10-20T12:29:23","modified_gmt":"2026-10-20T11:29:23","slug":"kredi-karti-faiz-hesaplayici","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-faiz-hesaplayici\/","title":{"rendered":"Kredi Kart\u0131 Faiz Hesaplay\u0131c\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\">Hesap d\u00f6nemi faizini tahmin edin<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4101\" data-favorite-title=\"Kredi Kart\u0131 Faizi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-faiz-hesaplayici\/\" data-favorite-excerpt=\"Bir hesap d\u00f6nemi i\u00e7in kredi kart\u0131 faizini tahmin edin. YFO&#039;nuzu ve d\u00f6nemin uzunlu\u011funu girin; ard\u0131ndan ortalama g\u00fcnl\u00fck bakiyenizi ya da bir ba\u015flang\u0131\u00e7 bakiyesi ve i\u015flemlerinizi belirtin.\" 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\/kredi-karti-faiz-hesaplayici\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4101\" data-post=\"4101\"><fieldset class=\"fieldset-input is-1\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Bakiye y\u00f6ntemi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"bakiye_yntemi\"><option value=\"average\" selected>G\u00fcnl\u00fck ortalama bakiyeyi girin<\/option><option value=\"transactions\">\u0130\u015flemlerden hesaplay\u0131n<\/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\">Y\u0131ll\u0131k faiz oran\u0131 (YFO)<\/label><input type=\"text\" name=\"yllk_faiz_oran_yfo\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"24.99\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Hesap d\u00f6nemi g\u00fcn say\u0131s\u0131<\/label><input type=\"text\" name=\"hesap_dnemi_gn_says\" id=\"field-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"366\" value=\"30\"\/><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">G\u00fcnl\u00fck ortalama bakiye<\/label><input type=\"text\" name=\"gnlk_ortalama_bakiye\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\" hidden><label for=\"field-5\">D\u00f6nem ba\u015f\u0131ndaki bakiye<\/label><input type=\"text\" name=\"dnem_bandaki_bakiye\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><small id=\"calc-info-5\">1. g\u00fcn, i\u015flemlerden \u00f6nceki bakiye.<\/small><\/div><div class=\"field\" id=\"input-6\" hidden><label for=\"field-6\">\u0130\u015flemler<\/label><textarea id=\"field-6\" name=\"lemler\">10; 200\n20; -100<\/textarea><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4101\">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> Tahmini kredi kart\u0131 faizi<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>G\u00fcnl\u00fck d\u00f6nemsel faiz oran\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>G\u00fcnl\u00fck ortalama bakiye<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/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>Bu d\u00f6nemde tahsil edilen faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/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>Etkin y\u0131ll\u0131k oran (ayl\u0131k bile\u015fik faiz)<\/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>Ayn\u0131 bakiyede y\u0131ll\u0131k faiz<\/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>Faiz kar\u015f\u0131la\u015ft\u0131rmas\u0131 ve bor\u00e7 kapatma plan\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=\"4101\" 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>Kredi Kart\u0131 Faiz 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} \\overline{B} &amp;= \\frac{\\sum_{d=1}^{D} B_d}{D} \\\\ I &amp;= \\overline{B}\\times\\frac{a}{365}\\times D \\end{aligned} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki g\u00f6sterimler:<\/strong><\/p>\n<ul>\n<li>\\(I\\) \u2014 hesap d\u00f6neminde tahakkuk eden tahmini faiz tutar\u0131 ($)<\/li>\n<li>\\(\\overline{B}\\) \u2014 ortalama g\u00fcnl\u00fck bakiye ($)<\/li>\n<li>\\(B_d\\) \u2014 \\(d\\). g\u00fcndeki bakiye; o g\u00fcn i\u00e7in girilen i\u015flemlerden sonraki tutar ($)<\/li>\n<li>\\(D\\) \u2014 hesap d\u00f6nemindeki g\u00fcn say\u0131s\u0131<\/li>\n<li>\\(a\\) \u2014 ondal\u0131k olarak ifade edilen YFO; \u00f6rne\u011fin %24,99 = 0,2499<\/li>\n<\/ul>\n<p>Hesaplay\u0131c\u0131, YFO'yu 365'e b\u00f6lerek g\u00fcnl\u00fck oran\u0131 bulur ve bu oran\u0131 her g\u00fcn\u00fcn bakiyesine uygular. Ortalama g\u00fcnl\u00fck bakiyeyi do\u011frudan girerseniz, hesaplay\u0131c\u0131 bu tutar\u0131 tek tek g\u00fcnl\u00fck bakiyeleri hesaplamadan kullan\u0131r.<\/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>Kredi Kart\u0131 Faizi \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> varsay\u0131lan 1.000 $ ortalama g\u00fcnl\u00fck bakiye, %24,99 YFO ve 30 g\u00fcnl\u00fck hesap d\u00f6nemiyle:<\/p>\n<p>\\[ I = \\$1{,}000\\times\\frac{0.2499}{365}\\times30 \\approx \\$20.54 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bu d\u00f6nemde tahakkuk eden tahmini faiz 20,54 $. G\u00fcnl\u00fck d\u00f6nemsel oran yakla\u015f\u0131k %0,06846575 ve ayn\u0131 bakiyede tam bir y\u0131l i\u00e7in basit faiz tahmini 249,90 $.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li>Bir <strong>bakiye y\u00f6ntemi<\/strong> se\u00e7in. Bu rakam\u0131 zaten biliyorsan\u0131z <strong>ortalama g\u00fcnl\u00fck bakiyeyi girin<\/strong> se\u00e7ene\u011fini, ba\u015flang\u0131\u00e7 bakiyesi ve d\u00f6nem i\u00e7indeki de\u011fi\u015fimlerle hesaplamak istiyorsan\u0131z <strong>i\u015flemlerden hesapla<\/strong> se\u00e7ene\u011fini i\u015faretleyin.<\/li>\n<li>Tahmin etmek istedi\u011finiz bakiye i\u00e7in g\u00f6sterilen <strong>y\u0131ll\u0131k faiz oran\u0131n\u0131 (YFO)<\/strong> girin. %24,99 i\u00e7in 0,2499 de\u011fil 24,99 girin.<\/li>\n<li><strong>Hesap d\u00f6nemindeki g\u00fcn say\u0131s\u0131n\u0131<\/strong> tam say\u0131 olarak girin. Tahmin etti\u011finiz ekstre d\u00f6neminin uzunlu\u011funu kullan\u0131n; bu uzunluk aydan aya farkl\u0131l\u0131k g\u00f6sterebilir.<\/li>\n<li>Ortalama bakiye y\u00f6ntemini se\u00e7tiyseniz <strong>ortalama g\u00fcnl\u00fck bakiyeyi<\/strong> girin. \u0130\u015flemleri se\u00e7tiyseniz <strong>d\u00f6nem ba\u015flang\u0131c\u0131ndaki bakiyeyi<\/strong> girin ve <strong>i\u015flemler<\/strong> alt\u0131na her biri <code>g\u00fcn; tutar<\/code> bi\u00e7iminde 1 ile 10 aras\u0131nda sat\u0131r ekleyin. \u00d6rne\u011fin <code>10; 200<\/code>, 10. g\u00fcne 200 $'l\u0131k bir al\u0131\u015fveri\u015f eklerken <code>20; -100<\/code> 20. g\u00fcnde 100 $'l\u0131k bir \u00f6demeyi kaydeder.<\/li>\n<li>Ana tahmin i\u00e7in <strong>bu d\u00f6nemde tahakkuk eden faiz<\/strong> de\u011ferine bak\u0131n. \u0130\u015flem girdiyseniz <strong>ortalama g\u00fcnl\u00fck bakiyeyi<\/strong> kontrol edin; ayn\u0131 bakiye ve d\u00f6nem uzunlu\u011funun di\u011fer YFO'larda neye mal olaca\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in kar\u015f\u0131la\u015ft\u0131rma tablosunu kullan\u0131n.<\/li>\n<\/ol>\n<h2>Kredi kart\u0131 faizi neyi \u00f6l\u00e7er<\/h2>\n<p>Kredi kart\u0131 faizi, bakiye ta\u015f\u0131man\u0131n maliyetidir. Bu hesaplay\u0131c\u0131 s\u00f6z konusu maliyeti, YFO'nun 365'e b\u00f6l\u00fcnmesiyle elde edilen g\u00fcnl\u00fck faiz oran\u0131n\u0131 hesap d\u00f6neminin her g\u00fcn\u00fcndeki bakiyeye uygulayarak tahmin eder. Daha y\u00fcksek bir YFO, daha y\u00fcksek bir g\u00fcnl\u00fck bakiye ya da d\u00f6nemde daha fazla g\u00fcn, tahmini faizi art\u0131r\u0131r.<\/p>\n<p>Ortalama g\u00fcnl\u00fck bakiye, al\u0131\u015fveri\u015flerin ve \u00f6demelerin zamanlamas\u0131n\u0131 yans\u0131t\u0131r. \u0130\u015flem modunda bir de\u011fi\u015fiklik, girdi\u011finiz g\u00fcn\u00fcn ba\u015f\u0131nda ge\u00e7erli olur. Varsay\u0131lan i\u015flem girdileriyle 1.000 $'l\u0131k ba\u015flang\u0131\u00e7 bakiyesi 10. g\u00fcnde 1.200 $, 20. g\u00fcnde de 1.100 $ olur. 30 g\u00fcn boyunca ortalama g\u00fcnl\u00fck bakiye kuru\u015flar\u0131yla g\u00f6sterildi\u011finde 1.103,33 $, tahmini faiz ise 22,66 $ olur. Hesaplay\u0131c\u0131, faiz hesaplamas\u0131nda yuvarlanmam\u0131\u015f ortalamay\u0131 kullan\u0131r.<\/p>\n<p><strong>Ayn\u0131 bakiyede y\u0131ll\u0131k faiz<\/strong> sonucu, ortalama g\u00fcnl\u00fck bakiyenin YFO ile \u00e7arp\u0131m\u0131d\u0131r. Bu, bakiyenin 365 g\u00fcn boyunca sabit tutuldu\u011fu varsay\u0131m\u0131na dayanan basit faizli bir kar\u015f\u0131la\u015ft\u0131rmad\u0131r; gelecekteki ekstrelerin bir tahmini de\u011fildir. Ayr\u0131 olarak g\u00f6sterilen <strong>efektif y\u0131ll\u0131k oran, ayl\u0131k bile\u015fik faiz<\/strong> ise \\((1+a\/12)^{12}-1\\) de\u011ferini verir; ayl\u0131k bile\u015fik faizin etkisini \u00f6rnekler ve bu d\u00f6nemin faiz hesaplamas\u0131nda kullan\u0131lmaz. Faiz bir bakiyeye eklendi\u011finde nas\u0131l b\u00fcy\u00fcd\u00fc\u011f\u00fcyle ilgili daha kapsaml\u0131 bir a\u00e7\u0131klama i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-faiz\/\">Bile\u015fik Faiz Hesaplay\u0131c\u0131<\/a>'ya bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve pratik s\u0131n\u0131rlar<\/h2>\n<p>Bu bir tahmindir; kart\u0131 veren kurumunuzun ekstresinin yeniden olu\u015fturulmas\u0131 de\u011fildir. Girilen bakiyenin tamam\u0131na tek bir YFO'nun uyguland\u0131\u011f\u0131n\u0131 varsayar ve sabit bir 365 g\u00fcnl\u00fck b\u00f6l\u00fcc\u00fc kullan\u0131r. Kartlar al\u0131\u015fveri\u015fleri, nakit avanslar\u0131 ve bakiye transferlerini farkl\u0131 \u015fekillerde ele alabilir; promosyon oranlar\u0131, \u00fccretler, faizsiz d\u00f6nemler ve kart\u0131 veren kurumun i\u015flem kay\u0131t veya yuvarlama kurallar\u0131 da tahakkuk eden tutar\u0131 de\u011fi\u015ftirebilir. Faizsiz d\u00f6nem nedeniyle al\u0131\u015fveri\u015f faizi \u00f6denmiyorsa, hesaplay\u0131c\u0131n\u0131n pozitif tahmini bunu ge\u00e7ersiz k\u0131lmaz.<\/p>\n<p>\u0130\u015flem modunda 1 ile belirtilen d\u00f6nem uzunlu\u011fu aras\u0131ndaki g\u00fcnleri girin. Al\u0131\u015fveri\u015fler pozitif, \u00f6demeler negatiftir. Hesaplay\u0131c\u0131, g\u00fcnl\u00fck bakiyenin 0 $'\u0131n alt\u0131na d\u00fc\u015fmesine izin vermez; bu nedenle bor\u00e7 bakiyesini a\u015fan bir \u00f6demeyi kontrol edin. En yararl\u0131 tahmini almak i\u00e7in, t\u00fcm \u00f6demelerin son g\u00fcnde yap\u0131ld\u0131\u011f\u0131n\u0131 varsaymak yerine, bakiyeyi etkiledikleri \u015fekliyle i\u015flem tarihlerini kullan\u0131n.<\/p>\n<p>Buradaki YFO kar\u015f\u0131la\u015ft\u0131rmas\u0131 ortalama g\u00fcnl\u00fck bakiyeyi ve d\u00f6nem uzunlu\u011funu sabit tutar; harcama veya geri \u00f6deme de\u011fi\u015fikliklerini hesaba katmaz. Bir bor\u00e7 yerine ge\u00e7ecek kredi ile kart borcunu tart\u0131yorsan\u0131z, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">Bor\u00e7 Konsolidasyonu \u00d6deme Hesaplay\u0131c\u0131<\/a> \u00f6nerilen \u00f6demeyi ayr\u0131 olarak incelemenize yard\u0131mc\u0131 olabilir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir hesap d\u00f6nemi i\u00e7in kredi kart\u0131 faizini tahmin edin. YFO'nuzu ve d\u00f6nemin uzunlu\u011funu girin; ard\u0131ndan ortalama g\u00fcnl\u00fck bakiyenizi ya da bir ba\u015flang\u0131\u00e7 bakiyesi ve i\u015flemlerinizi belirtin.<\/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":[7],"tags":[48],"class_list":["post-4101","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\/4101","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=4101"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4101\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}