{"id":4124,"date":"2026-10-20T13:34:41","date_gmt":"2026-10-20T12:34:41","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/"},"modified":"2026-10-20T13:34:41","modified_gmt":"2026-10-20T12:34:41","slug":"ek-odemeli-konut-kredisi-kapatma-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/","title":{"rendered":"Ek \u00d6demeli Konut Kredisi Kapatma 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\">Ek \u00f6demelerin kapan\u0131\u015f\u0131 nas\u0131l de\u011fi\u015ftirdi\u011fini g\u00f6r\u00fcn<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4124\" data-favorite-title=\"Konut Kredisi Kapatma\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\" data-favorite-excerpt=\"Her ay, tek seferde veya y\u0131lda bir yapaca\u011f\u0131n\u0131z ek \u00f6demelerin kapan\u0131\u015f ay\u0131n\u0131z\u0131 ve toplam faiz y\u00fck\u00fcn\u00fcz\u00fc nas\u0131l de\u011fi\u015ftirece\u011fini g\u00f6r\u00fcn. G\u00fcncel bakiyenizi, faiz oran\u0131n\u0131z\u0131 ve kalan vadenizi ya da ayl\u0131k anapara ve faiz \u00f6demenizi 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\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4124\" data-post=\"4124\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">G\u00fcncel kredi bakiyesi<\/label><input type=\"text\" name=\"gncel_kredi_bakiyesi\" id=\"field-1\" aria-describedby=\"calc-unit-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"300000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><\/div><div class=\"field is-single\" id=\"input-3\"><label for=\"field-3\">Kalan vade veya taksit bilgisini girin<\/label><div class=\"grid grid-cols-1\"><select id=\"field-3\" name=\"kalan_vade_veya_taksit_bilgisini_girin\"><option value=\"term\" selected>Kalan vade<\/option><option value=\"payment\">Ayl\u0131k anapara ve faiz \u00f6demesi<\/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-4\"><label for=\"field-4\">Kalan y\u0131l<\/label><input type=\"text\" name=\"kalan_yl\" id=\"field-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"25\"\/><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Ek ay<\/label><input type=\"text\" name=\"ek_ay\" id=\"field-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"11\" value=\"0\"\/><\/div><div class=\"field is-single\" id=\"input-6\" hidden><label for=\"field-6\">Ayl\u0131k anapara ve faiz<\/label><input type=\"text\" name=\"aylk_anapara_ve_faiz\" id=\"field-6\" aria-describedby=\"calc-unit-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"1932.9\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Ayl\u0131k ek \u00f6deme<\/label><input type=\"text\" name=\"aylk_ek_deme\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><small id=\"calc-info-7\">Her ayl\u0131k taksite eklenir.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Tek seferlik ek \u00f6deme<\/label><input type=\"text\" name=\"tek_seferlik_ek_deme\" id=\"field-8\" aria-describedby=\"calc-unit-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Tek seferlik \u00f6demenin ay\u0131<\/label><input type=\"text\" name=\"tek_seferlik_demenin_ay\" id=\"field-9\" aria-describedby=\"calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"1200\" value=\"12\"\/><small id=\"calc-info-9\">1. ay bir sonraki \u00f6demenizdir; kredi zaten kapand\u0131ysa dikkate al\u0131nmaz.<\/small><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Y\u0131ll\u0131k ek \u00f6deme<\/label><input type=\"text\" name=\"yllk_ek_deme\" id=\"field-10\" aria-describedby=\"calc-unit-10 calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><small id=\"calc-info-10\">12, 24, 36\u2026 numaral\u0131 aylarda eklenir.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4124\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Kapan\u0131\u015f kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/h3><div class=\"result-box\"><div class=\"field-result is-column\" id=\"output-1\"><span class=\"field-title\"><span>Yeni kapan\u0131\u015f tarihi ve s\u00fcresi<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Kazan\u0131lan s\u00fcre<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Ek \u00f6deme yap\u0131lmadan faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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>Ek \u00f6deme yap\u0131larak faiz<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Tasarruf edilen faiz<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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>Normal ayl\u0131k anapara ve faiz<\/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 is-column\" id=\"output-7\"><span class=\"field-title\"><span>Bakiyenin zamanla de\u011fi\u015fimi<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/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-8\"><span class=\"field-title\"><span>Y\u0131llara g\u00f6re amortisman<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/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=\"4124\" 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>Konut Kredisi Kapan\u0131\u015f 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} r&amp;=\\frac{i}{1200} \\\\ P&amp;=\\frac{B_0r}{1-(1+r)^{-n}} \\\\ E_t&amp;=M+L\\mathbf{1}_{t=q}+Y\\mathbf{1}_{12\\mid t} \\\\ B_t&amp;=\\max\\!\\left(0,\\,B_{t-1}(1+r)-P-E_t\\right) \\end{aligned} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(B_0\\) \u2014 mevcut kredi bakiyesi.<\/li>\n<li>\\(B_t\\) \u2014 \\(t\\) numaral\u0131 \u00f6deme ay\u0131ndan sonraki bakiye.<\/li>\n<li>\\(i\\) \u2014 y\u00fczde olarak y\u0131ll\u0131k faiz oran\u0131; \\(r\\) ise ayl\u0131k orand\u0131r.<\/li>\n<li>\\(P\\) \u2014 d\u00fczenli ayl\u0131k anapara ve faiz \u00f6demesi; \\(n\\) ay cinsinden kalan vadedir.<\/li>\n<li>\\(M\\), \\(L\\) ve \\(Y\\) \u2014 s\u0131ras\u0131yla ayl\u0131k, bir defal\u0131k ve y\u0131ll\u0131k ek \u00f6demeler.<\/li>\n<li>\\(q\\) \u2014 bir defal\u0131k \u00f6demenin yap\u0131ld\u0131\u011f\u0131 ay; \\(\\mathbf{1}\\) ko\u015ful sa\u011fland\u0131\u011f\u0131nda 1, sa\u011flanmad\u0131\u011f\u0131nda 0 de\u011ferini al\u0131r.<\/li>\n<\/ul>\n<p>Hesaplay\u0131c\u0131 \u00f6nce ayl\u0131k faizi uygular, ard\u0131ndan d\u00fczenli \u00f6demeyi ve o ay i\u00e7in planlanm\u0131\u015f ek \u00f6demeleri d\u00fc\u015fer. Bu hesaplamay\u0131 bakiye s\u0131f\u0131ra ula\u015fana kadar yineler ve sonucu, ek \u00f6deme i\u00e7ermeyen bir \u00f6deme plan\u0131yla kar\u015f\u0131la\u015ft\u0131r\u0131r. Oran %0 ise vadeye dayal\u0131 \u00f6deme \\(P=B_0\/n\\) olur; vade yerine bir \u00f6deme girerseniz bu \u00f6deme \\(P\\) olarak kullan\u0131l\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>Konut Kredisi Kapatma \u2013 \u00d6rnek Hesaplama<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 300.000 $ bakiyeniz var, y\u0131ll\u0131k faiz oran\u0131 %6 ve 25 y\u0131l vadeniz kalm\u0131\u015f. Her ayl\u0131k \u00f6demeye 250 $ ekliyorsunuz ve bir defal\u0131k ya da y\u0131ll\u0131k ek \u00f6deme yapm\u0131yorsunuz. Hesaplanan d\u00fczenli anapara ve faiz \u00f6demesi yakla\u015f\u0131k 1.932,90 $.<\/p>\n<p>1. ayda faiz 1.500 $ tutar\u0131ndad\u0131r. 250 $ ek \u00f6demeyle birlikte \u00f6deme yakla\u015f\u0131k 2.182,90 $ oldu\u011fundan bakiye \u015f\u00f6yle olur:<\/p>\n<p>\\[ B_1\\approx 300{,}000+1{,}500-1{,}932.90-250=299{,}317.10 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ilk \u00f6demeden sonraki bakiye yakla\u015f\u0131k 299.317,10 $; ek 250 $ olmasayd\u0131 bu tutar 299.567,10 $ olurdu. Hesaplay\u0131c\u0131 her iki plan\u0131 da sonuna dek i\u015fleterek kapan\u0131\u015f s\u00fcresini ve tasarruf edilen toplam faizi belirler.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>Mevcut kredi bakiyesi<\/strong> ve <strong>Y\u0131ll\u0131k faiz oran\u0131<\/strong> alanlar\u0131n\u0131 doldurun. Orijinal kredi tutar\u0131n\u0131 de\u011fil, \u015fu anda bor\u00e7lu oldu\u011funuz bakiyeyi girin.<\/li>\n<li><strong>Kalan vade veya \u00f6deme se\u00e7imi<\/strong> b\u00f6l\u00fcm\u00fcnde <strong>Kalan vade<\/strong> se\u00e7ene\u011fini i\u015faretleyip <strong>Kalan y\u0131l<\/strong> ve <strong>Ek ay<\/strong> alanlar\u0131n\u0131 doldurun. Alternatif olarak <strong>Ayl\u0131k anapara ve faiz \u00f6demesi<\/strong> se\u00e7ene\u011fini se\u00e7ip d\u00fczenli \u00f6demenizi <strong>Ayl\u0131k anapara ve faiz<\/strong> alan\u0131na girin. Vergi ya da sigorta tutarlar\u0131n\u0131 dahil etmeyin.<\/li>\n<li>Her ay ayn\u0131 tutar\u0131 eklemeyi planl\u0131yorsan\u0131z bir <strong>Ayl\u0131k ek \u00f6deme<\/strong> girin.<\/li>\n<li>Tek seferlik bir \u00f6deme i\u00e7in <strong>Bir defal\u0131k ek \u00f6deme<\/strong> tutar\u0131n\u0131 ve hangi ayda yap\u0131laca\u011f\u0131n\u0131 g\u00f6steren <strong>Bir defal\u0131k \u00f6deme ay\u0131<\/strong> de\u011ferini girin. 1. ay, bir sonraki \u00f6demenizdir. 12., 24., 36. ay diye devam edecek \u015fekilde eklenen tutar i\u00e7in <strong>Ek y\u0131ll\u0131k \u00f6deme<\/strong> alan\u0131n\u0131 doldurun. Ge\u00e7erli de\u011filse ek \u00f6deme tutar\u0131n\u0131 s\u0131f\u0131r b\u0131rak\u0131n.<\/li>\n<li>Yeni kapan\u0131\u015f ay\u0131n\u0131, <strong>Kazan\u0131lan s\u00fcreyi<\/strong> ve faiz toplamlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n. \u0130ki bakiyenin nas\u0131l ayr\u0131\u015ft\u0131\u011f\u0131n\u0131 <strong>Zaman i\u00e7indeki bakiye<\/strong> ve <strong>Y\u0131la g\u00f6re amortisman<\/strong> b\u00f6l\u00fcmlerinden g\u00f6rebilirsiniz.<\/li>\n<\/ol>\n<h2>Ek \u00f6demeler kredinizin kapan\u0131\u015f\u0131n\u0131 nas\u0131l de\u011fi\u015ftirir<\/h2>\n<p>Konut kredisi faizi, \u00f6denmemi\u015f bakiye \u00fczerinden hesaplan\u0131r. Ek bir \u00f6deme bu bakiyeyi d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcnde sonraki aylarda biriken faiz de azal\u0131r. B\u00f6ylece her d\u00fczenli \u00f6demenin daha b\u00fcy\u00fck bir b\u00f6l\u00fcm\u00fc anaparay\u0131 eritir. Bu nedenle art arda yap\u0131lan ek \u00f6demeler, salt tutarlar\u0131n\u0131n akla getirdi\u011finden daha fazla kredi s\u00fcresi k\u0131saltabilir.<\/p>\n<p>Hesaplay\u0131c\u0131, ayn\u0131 ba\u015flang\u0131\u00e7 bakiyesi ve d\u00fczenli \u00f6demesiyle iki plan\u0131 y\u00fcr\u00fct\u00fcr: biri ek \u00f6demesiz, di\u011feri girdi\u011finiz ek \u00f6demelerle. <strong>Faiz tasarrufu<\/strong>, iki plan\u0131n toplam faiz y\u00fckleri aras\u0131ndaki farkt\u0131r. <strong>Kazan\u0131lan s\u00fcre<\/strong> ise kapan\u0131\u015f s\u00fcreleri aras\u0131ndaki farkt\u0131r. G\u00f6sterilen kapan\u0131\u015f ay\u0131, i\u00e7inde bulunulan takvim ay\u0131na ve kalan \u00f6deme say\u0131s\u0131na dayan\u0131r; bu bir tahmindir, kredi kurulu\u015funun resm\u00ee kapan\u0131\u015f tarihi de\u011fildir.<\/p>\n<p>Y\u0131ll\u0131k d\u00f6k\u00fcmde <strong>Ek \u00f6demelerle \u00f6denen<\/strong> tutar, kredi a\u00e7\u0131kken yap\u0131lan d\u00fczenli ve ek \u00f6demelerin tamam\u0131n\u0131 kapsar. Bakiye kar\u015f\u0131la\u015ft\u0131rmas\u0131, se\u00e7ti\u011finiz ek \u00f6demelerin sizin i\u00e7in \u00f6nemli olan zaman noktalar\u0131nda anlaml\u0131 bir fark yarat\u0131p yaratmad\u0131\u011f\u0131n\u0131 g\u00f6sterir. Kredi tutar\u0131 ve vadesini hen\u00fcz belirliyorsan\u0131z <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">konut kredisi hesaplama arac\u0131<\/a> size bir ba\u015flang\u0131\u00e7 \u00f6demesi tahmini verir. As\u0131l niyetiniz yeni bir faiz oran\u0131n\u0131 de\u011ferlendirmekse, olas\u0131 tasarrufu <a href=\"https:\/\/wpcalc.com\/tr\/finans\/refinansman-faiz-tasarrufu\/\">refinansman faiz tasarrufu hesaplama arac\u0131yla<\/a> kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve pratik ipu\u00e7lar\u0131<\/h2>\n<p>Bu hesaplama; ayl\u0131k d\u00f6nemlere b\u00f6l\u00fcnm\u00fc\u015f sabit bir y\u0131ll\u0131k oran varsayar ve her \u00f6demeyi, o ay\u0131n faizi tahakkuk ettikten sonra uygular. Ayl\u0131k ek \u00f6demeler her ay, bir defal\u0131k \u00f6deme se\u00e7ilen ayda, y\u0131ll\u0131k \u00f6deme ise her 12. ayda eklenir. Son \u00f6deme, bor\u00e7lu olunan tutarla s\u0131n\u0131rl\u0131d\u0131r; kapan\u0131\u015ftan sonras\u0131na denk gelen bir ek \u00f6demenin etkisi olmaz.<\/p>\n<p>D\u00fczenli \u00f6demeniz olarak yaln\u0131zca <em>anapara ve faiz<\/em> tutar\u0131n\u0131 girin. Emlak vergisi, konut sigortas\u0131, konut kredisi sigortas\u0131 ve site aidat\u0131 kredi bakiyesini d\u00fc\u015f\u00fcrmez; bu nedenle faiz kar\u015f\u0131la\u015ft\u0131rmas\u0131na da dahil edilmez. Bu tahmin ayr\u0131ca de\u011fi\u015fken oranlar\u0131, \u00f6deme tarihleri aras\u0131ndaki farklar\u0131, \u00fccretleri ve erken \u00f6deme cezalar\u0131n\u0131 hesaba katmaz.<\/p>\n<p>Ek \u00f6deme yapmadan \u00f6nce, kredi kurulu\u015funuzun bu tutar\u0131 gelecekteki bir taksit i\u00e7in bekletmek yerine do\u011frudan anaparaya yazaca\u011f\u0131ndan emin olun ve erken \u00f6demeye ili\u015fkin olas\u0131 k\u0131s\u0131tlamalar\u0131 kontrol edin. Ayl\u0131k \u00f6deme girdiyseniz bu tutar\u0131n ilk ay\u0131n faizinden y\u00fcksek olmas\u0131 gerekir; aksi takdirde bakiye d\u00fczenli \u00f6deme plan\u0131nda hi\u00e7 d\u00fc\u015fmeye ba\u015flamaz. Konut kredisiyle, belki de \u00f6nce kapatmak istedi\u011finiz ba\u015fka bir borcu kar\u015f\u0131la\u015ft\u0131rmak isterseniz, s\u00f6z konusu borcun \u00f6deme ve faiz tahmini i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">kredi hesaplama arac\u0131n\u0131<\/a> kullan\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Her ay, tek seferde veya y\u0131lda bir yapaca\u011f\u0131n\u0131z ek \u00f6demelerin kapan\u0131\u015f ay\u0131n\u0131z\u0131 ve toplam faiz y\u00fck\u00fcn\u00fcz\u00fc nas\u0131l de\u011fi\u015ftirece\u011fini g\u00f6r\u00fcn. G\u00fcncel bakiyenizi, faiz oran\u0131n\u0131z\u0131 ve kalan vadenizi ya da ayl\u0131k anapara ve faiz \u00f6demenizi 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-4124","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\/4124","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=4124"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4124\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}