{"id":4103,"date":"2026-10-20T12:39:18","date_gmt":"2026-10-20T11:39:18","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/"},"modified":"2026-10-20T12:39:18","modified_gmt":"2026-10-20T11:39:18","slug":"borc-gelir-orani-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/","title":{"rendered":"Bor\u00e7-gelir 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\">Ayl\u0131k Borcunuzu Gelirinizle Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4103\" data-favorite-title=\"Bor\u00e7-gelir oran\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\" data-favorite-excerpt=\"Br\u00fct gelirinizden ve zorunlu ayl\u0131k \u00f6demelerinizden konut ve toplam bor\u00e7-gelir oranlar\u0131n\u0131z\u0131 hesaplay\u0131n. Geliri ayl\u0131k veya y\u0131ll\u0131k tutar olarak girin; her bor\u00e7 \u00f6demesini ayl\u0131k tutar olarak girin.\" 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\/borc-gelir-orani-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4103\" data-post=\"4103\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Br\u00fct gelir<\/span><\/div><div class=\"field is-single\" id=\"input-2\"><label for=\"field-2\">Gelir d\u00f6nemi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-2\" name=\"gelir_dnemi\"><option value=\"monthly\" selected>Ayl\u0131k<\/option><option value=\"annual\">Y\u0131ll\u0131k<\/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-3\"><label for=\"field-3\">Maa\u015f veya \u00fccret<\/label><input type=\"text\" name=\"maa_veya_cret\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Vergiler kesilmeden \u00f6nceki br\u00fct geliri girin.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Di\u011fer gelirler<\/label><input type=\"text\" name=\"dier_gelirler\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">Maa\u015f veya \u00fccretle ayn\u0131 d\u00f6nemi kullan\u0131n.<\/small><\/div><div class=\"is-single field\" id=\"input-5\"><span class=\"font-semibold\">Ayl\u0131k bor\u00e7 \u00f6demeleri<\/span><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Konut \u00f6demesi<\/label><input type=\"text\" name=\"konut_demesi\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1800\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Kira; veya konut kredisinin ana paras\u0131, faizi, vergileri ve sigortas\u0131 (PITI). Uygulanan konut giderlerini dahil edin.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Ta\u015f\u0131t kredileri<\/label><input type=\"text\" name=\"tat_kredileri\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"350\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">\u00d6\u011frenim kredileri<\/label><input type=\"text\" name=\"renim_kredileri\" id=\"field-8\" aria-describedby=\"calc-unit-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Kredi kart\u0131 asgari \u00f6demeleri<\/label><input type=\"text\" name=\"kredi_kart_asgari_demeleri\" id=\"field-9\" aria-describedby=\"calc-unit-9 calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"100\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><small id=\"calc-info-9\">Kart bakiyelerinizi de\u011fil, zorunlu asgari tutarlar\u0131 girin.<\/small><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">\u0130htiya\u00e7 kredileri<\/label><input type=\"text\" name=\"htiya_kredileri\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">\u00c7ocuk nafakas\u0131 veya e\u015f nafakas\u0131<\/label><input type=\"text\" name=\"ocuk_nafakas_veya_e_nafakas\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Di\u011fer ayl\u0131k bor\u00e7lar<\/label><input type=\"text\" name=\"dier_aylk_borlar\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-12\">$<\/div><small id=\"calc-info-12\">Di\u011fer zorunlu bor\u00e7 \u00f6demelerini dahil edin; ayn\u0131 tutar\u0131 iki kez saymay\u0131n.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4103\">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> Bor\u00e7-Gelir Oranlar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Konut DTI oran\u0131 (yaln\u0131zca konut)<\/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>Toplam DTI oran\u0131 (t\u00fcm bor\u00e7lar)<\/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 DTI de\u011ferlendirmesi<\/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 is-column\" id=\"output-4\"><span class=\"field-title\"><span>Kredi kurulu\u015flar\u0131n\u0131n yayg\u0131n \u00f6l\u00e7\u00fctleri<\/span><\/span><span class=\"field-value\" id=\"result-4\"><\/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>%36&#039;da maksimum ayl\u0131k bor\u00e7<\/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>%43&#039;te maksimum ayl\u0131k bor\u00e7<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Ayl\u0131k bor\u00e7ta %36&#039;ya ula\u015fmak i\u00e7in gereken azaltma<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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><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=\"4103\" 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-gelir oran\u0131 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} I &amp;= \\frac{S+O}{p} \\\\ D &amp;= H+C+L+K+P+A+X \\\\ \\text{\u00d6n u\u00e7 BGO} &amp;= \\frac{H}{I}\\times100\\% \\\\ \\text{Arka u\u00e7 BGO} &amp;= \\frac{D}{I}\\times100\\% \\\\ \\text{r oran\u0131nda bor\u00e7 limiti} &amp;= I\\times r \\\\ \\text{\\%36'ya ula\u015fmak i\u00e7in azaltma} &amp;= \\max(0,D-0.36I) \\end{aligned} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki:<\/strong><\/p>\n<ul>\n<li>\\(I\\) \u2014 br\u00fct ayl\u0131k gelir; \\(S\\) \u2014 maa\u015f veya \u00fccret; \\(O\\) \u2014 di\u011fer gelirler; \\(p\\) \u2014 gelir ayl\u0131k girildiyse 1, y\u0131ll\u0131k girildiyse 12.<\/li>\n<li>\\(D\\) \u2014 toplam zorunlu ayl\u0131k bor\u00e7 \u00f6demesi; \\(H\\) \u2014 konut \u00f6demesi.<\/li>\n<li>\\(C\\), \\(L\\), \\(K\\), \\(P\\), \\(A\\) ve \\(X\\) \u2014 s\u0131ras\u0131yla ayl\u0131k ara\u00e7 kredisi, \u00f6\u011frenci kredisi, asgari kredi kart\u0131 \u00f6demesi, ihtiya\u00e7 kredisi, nafaka ve di\u011fer bor\u00e7 \u00f6demeleri.<\/li>\n<li>\\(r\\) \u2014 iki bor\u00e7 limiti sonucu i\u00e7in 0.36 veya 0.43.<\/li>\n<\/ul>\n<p>\u00d6n u\u00e7 oran, konut \u00f6demesinin br\u00fct ayl\u0131k gelire oran\u0131n\u0131 \u00f6l\u00e7er. Arka u\u00e7 oran, konutun yan\u0131 s\u0131ra girilen di\u011fer t\u00fcm ayl\u0131k bor\u00e7 \u00f6demelerini kapsar; azaltma sonucu ise toplam ayl\u0131k borcun, varsa, gelirin %36's\u0131n\u0131 ne kadar a\u015ft\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/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-gelir oran\u0131 \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> Varsay\u0131lan ayl\u0131k giri\u015fler kullan\u0131ld\u0131\u011f\u0131nda maa\u015f veya \u00fccret $6.000, di\u011fer gelir $500, konut \u00f6demesi $1.800, ara\u00e7 kredisi $350, \u00f6\u011frenci kredisi $200 ve asgari kredi kart\u0131 \u00f6demesi $100'd\u00fcr. Di\u011fer t\u00fcm bor\u00e7 alanlar\u0131 s\u0131f\u0131rd\u0131r.<\/p>\n<p>\\[ \\begin{aligned} I &amp;= 6{,}000+500=\\$6{,}500 \\\\ D &amp;= 1{,}800+350+200+100=\\$2{,}450 \\\\ \\text{\u00d6n u\u00e7 BGO} &amp;= \\frac{1{,}800}{6{,}500}\\times100\\%=27.69\\% \\\\ \\text{Arka u\u00e7 BGO} &amp;= \\frac{2{,}450}{6{,}500}\\times100\\%=37.69\\% \\\\ \\text{\\%36 bor\u00e7 limiti} &amp;= 6{,}500\\times0.36=\\$2{,}340 \\\\ \\text{\\%43 bor\u00e7 limiti} &amp;= 6{,}500\\times0.43=\\$2{,}795 \\\\ \\text{\\%36'ya ula\u015fmak i\u00e7in azaltma} &amp;= 2{,}450-2{,}340=\\$110 \\end{aligned} \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> \u00d6n u\u00e7 BGO %27,69, arka u\u00e7 BGO %37,69'dur ve bu araca g\u00f6re \u201cKabul edilebilir\u201d derecesini al\u0131r. Toplam ayl\u0131k bor\u00e7 limitleri %36 i\u00e7in $2.340, %43 i\u00e7in $2.795'tir; %36'ya ula\u015fmak i\u00e7in zorunlu ayl\u0131k bor\u00e7 \u00f6demelerinin $110 azalmas\u0131 gerekir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama arac\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Gelir giri\u015f d\u00f6nemini se\u00e7in:<\/strong> Ayl\u0131k veya Y\u0131ll\u0131k. <strong>Maa\u015f veya \u00fccreti<\/strong> ve <strong>di\u011fer gelirleri<\/strong> ayn\u0131 d\u00f6nem i\u00e7in br\u00fct tutarlar olarak girin. D\u00f6nemi de\u011fi\u015ftirirseniz iki tutar\u0131 da g\u00fcncelleyin; ara\u00e7, daha \u00f6nce girilmi\u015f say\u0131lar\u0131 kendili\u011finden d\u00f6n\u00fc\u015ft\u00fcrmez.<\/li>\n<li>Zorunlu ayl\u0131k <strong>konut \u00f6demenizi<\/strong> girin. Kirada oturuyorsan\u0131z ayl\u0131k kira bedelini yaz\u0131n. Konut kredisi \u00f6demeniz varsa anapara, faiz, vergi, sigorta ve ge\u00e7erli konut masraflar\u0131n\u0131 ekleyin.<\/li>\n<li><strong>Ara\u00e7 kredisi<\/strong>, <strong>\u00f6\u011frenci kredisi<\/strong>, <strong>asgari kredi kart\u0131 \u00f6demesi<\/strong>, <strong>ihtiya\u00e7 kredisi<\/strong>, <strong>nafaka<\/strong> ve <strong>di\u011fer ayl\u0131k bor\u00e7<\/strong> alanlar\u0131n\u0131 doldurun. Bakiyeleri de\u011fil ayl\u0131k \u00f6demeleri kullan\u0131n; sizinle ilgisi olmayan alan\u0131 s\u0131f\u0131r b\u0131rak\u0131n.<\/li>\n<li><strong>\u00d6n u\u00e7 BGO (konut)<\/strong> ve <strong>arka u\u00e7 BGO (t\u00fcm bor\u00e7lar)<\/strong> de\u011ferlerini okuyun. Ard\u0131ndan <strong>arka u\u00e7 BGO derecelendirmesini<\/strong>, <strong>kredi verenlerin yayg\u0131n \u00f6l\u00e7\u00fctlerini<\/strong>, iki azami ayl\u0131k bor\u00e7 tutar\u0131n\u0131 ve <strong>%36'ya ula\u015fmak i\u00e7in ayl\u0131k bor\u00e7 azaltmas\u0131n\u0131<\/strong> kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<\/ol>\n<h2>Bor\u00e7-gelir oran\u0131 size ne s\u00f6yleir?<\/h2>\n<p>Bor\u00e7-gelir oran\u0131 (BGO), br\u00fct ayl\u0131k gelirinizin zorunlu ayl\u0131k \u00f6demelere ayr\u0131lan pay\u0131d\u0131r. Br\u00fct, vergilerden ve di\u011fer kesintilerden \u00f6nce demektir. %37,69'luk bir arka u\u00e7 BGO, her 100 dolarl\u0131k br\u00fct ayl\u0131k gelirin yakla\u015f\u0131k 37,69 dolar\u0131n\u0131n buraya girilen konut ve di\u011fer bor\u00e7 \u00f6demelerine gitti\u011fi anlam\u0131na gelir. Bu, kalan tutar\u0131n harcamaya ayr\u0131ld\u0131\u011f\u0131 anlam\u0131na gelmez: vergiler, market, faturalar, birikim ve di\u011fer masraflar i\u00e7in de para gerekir.<\/p>\n<p>\u00d6n u\u00e7 BGO yaln\u0131zca konutu g\u00f6sterir; arka u\u00e7 BGO di\u011fer y\u00fck\u00fcml\u00fcl\u00fckleri de ekler. \u0130kisine birden bakmak, toplam\u0131 konutun mu yoksa ba\u015fka bor\u00e7lar\u0131n m\u0131 b\u00fcy\u00fctt\u00fc\u011f\u00fcn\u00fc g\u00f6rmenizi sa\u011flar. Ev almay\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, sat\u0131n alman\u0131n sona erdirece\u011fi kiray\u0131 otomatik olarak \u00fczerine eklemek yerine, beklenen yeni konut \u00f6demesini deneyin. Bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">konut kredisi hesaplama arac\u0131<\/a>, buraya girece\u011finiz bir \u00f6demeyi tahmin etmenize yard\u0131mc\u0131 olabilir.<\/p>\n<p>Arac\u0131n g\u00f6sterdi\u011fi ortak referans noktalar\u0131: konvansiyonel krediler i\u00e7in %28 \u00f6n u\u00e7 ve %36 arka u\u00e7, FHA kredileri i\u00e7in %31 ve %43, VA kredileri i\u00e7in yayg\u0131n olarak aktar\u0131lan %41 arka u\u00e7. Bunlar genel \u00f6l\u00e7\u00fctlerdir, evrensel onay kurallar\u0131 de\u011fildir. Derecelendirme yaln\u0131zca hesaplanan arka u\u00e7 oran\u0131 i\u00e7in ge\u00e7erlidir; kredi verenin karar\u0131 de\u011fildir. Ara\u00e7, bu oran\u0131 en yak\u0131n tam y\u00fczdeye yuvarlad\u0131ktan sonra derecelendirme yapar; bu nedenle derecelendirme, ekranda g\u00f6r\u00fcnen bir \u00f6l\u00e7\u00fct\u00fcn yak\u0131n\u0131nda de\u011fi\u015febilir.<\/p>\n<h2>Varsay\u0131mlar ve pratik s\u0131n\u0131rlar<\/h2>\n<ul>\n<li><strong>D\u00f6nemleri tutarl\u0131 tutun.<\/strong> Gelir ayl\u0131k veya y\u0131ll\u0131k girilebilir; bor\u00e7 \u00f6demeleri her zaman ayl\u0131k olmal\u0131d\u0131r. Toplam br\u00fct ayl\u0131k gelir s\u0131f\u0131rdan b\u00fcy\u00fck olmal\u0131d\u0131r.<\/li>\n<li><strong>Zorunlu \u00f6demeleri yaln\u0131zca bir kez say\u0131n.<\/strong> Kredi kartlar\u0131 i\u00e7in kapanmam\u0131\u015f bakiyeyi veya iste\u011fe ba\u011fl\u0131 ek \u00f6demeyi de\u011fil, zorunlu asgari tutar\u0131 girin. Her y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc yaln\u0131zca tek bir bor\u00e7 alan\u0131na yaz\u0131n.<\/li>\n<li><strong>Kredi verenin neyi sayaca\u011f\u0131n\u0131 kontrol edin.<\/strong> De\u011fi\u015fken veya ba\u015fka gelirlerin, nafaka \u00f6demelerinin, konut masraflar\u0131n\u0131n ve belirli bor\u00e7lar\u0131n ele al\u0131n\u0131\u015f\u0131 kredi verene ve kredi program\u0131na g\u00f6re de\u011fi\u015febilir. Kredi verici ayr\u0131ca bu arac\u0131n dikkate almad\u0131\u011f\u0131 kredi ge\u00e7mi\u015fi, varl\u0131klar ve belgeleri de de\u011ferlendirebilir.<\/li>\n<li><strong>Azaltmay\u0131 bir \u00f6deme hedefi olarak yorumlay\u0131n.<\/strong> \u201c%36'ya ula\u015fmak i\u00e7in ayl\u0131k bor\u00e7 azaltmas\u0131\u201d, mevcut zorunlu ayl\u0131k \u00f6demelerle gelirin %36's\u0131 aras\u0131ndaki, en az s\u0131f\u0131r olacak bi\u00e7imde hesaplanan farkt\u0131r. Geri \u00f6demeniz gereken kredi anaparas\u0131 tutar\u0131 de\u011fildir. Ba\u015fka bir \u00f6demenin nas\u0131l duraca\u011f\u0131na bak\u0131yorsan\u0131z, bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">bor\u00e7 birle\u015ftirme \u00f6deme hesaplama arac\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">ara\u00e7 kredisi hesaplama arac\u0131<\/a>, burada deneyece\u011finiz bir tutar\u0131 tahmin etmenize yard\u0131mc\u0131 olabilir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Br\u00fct gelirinizden ve zorunlu ayl\u0131k \u00f6demelerinizden konut ve toplam bor\u00e7-gelir oranlar\u0131n\u0131z\u0131 hesaplay\u0131n. Geliri ayl\u0131k veya y\u0131ll\u0131k tutar olarak girin; her bor\u00e7 \u00f6demesini ayl\u0131k tutar olarak 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":[7],"tags":[75],"class_list":["post-4103","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\/4103","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=4103"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4103\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4103"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4103"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4103"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}