{"id":4134,"date":"2026-10-20T14:13:06","date_gmt":"2026-10-20T13:13:06","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/kira-mi-alim-hesaplayici\/"},"modified":"2026-10-20T14:13:06","modified_gmt":"2026-10-20T13:13:06","slug":"kira-mi-alim-hesaplayici","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kira-mi-alim-hesaplayici\/","title":{"rendered":"Kira m\u0131 sat\u0131n alma m\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\">Ev kiralamak ile sat\u0131n alman\u0131n maliyetini kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4134\" data-favorite-title=\"Kira m\u0131, sat\u0131n alma m\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kira-mi-alim-hesaplayici\/\" data-favorite-excerpt=\"Ev fiyat\u0131n\u0131, kredi ko\u015fullar\u0131n\u0131 ve sahip olma maliyetlerini bir tarafa, kiran\u0131z\u0131 di\u011fer tarafa girin; se\u00e7ti\u011finiz s\u00fcre sonunda sat\u0131n alman\u0131n ve kiralaman\u0131n toplam net maliyetini, ayr\u0131ca sat\u0131n alman\u0131n daha ucuz h\u00e2le geldi\u011fi ba\u015faba\u015f y\u0131l\u0131n\u0131 g\u00f6r\u00fcn.\" 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\/kira-mi-alim-hesaplayici\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4134\" data-post=\"4134\"><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\">Ev sat\u0131n alma<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Ev fiyat\u0131<\/label><input type=\"text\" name=\"ev_fiyat\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"400000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Sat\u0131n almay\u0131 d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fcz evin fiyat\u0131.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Pe\u015finat<\/label><input type=\"text\" name=\"peinat\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"20\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Fiyat\u0131n pe\u015fin nakit \u00f6denen b\u00f6l\u00fcm\u00fc.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Konut kredisi faiz oran\u0131<\/label><input type=\"text\" name=\"konut_kredisi_faiz_oran\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6.5\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Kredinin y\u0131ll\u0131k sabit faiz oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Kredi vadesi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"kredi_vadesi\"><option value=\"10\">10 y\u0131l<\/option><option value=\"15\">15 y\u0131l<\/option><option value=\"20\">20 y\u0131l<\/option><option value=\"30\" selected>30 y\u0131l<\/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-6\"><label for=\"field-6\">Tapu ve har\u00e7 masraflar\u0131<\/label><input type=\"text\" name=\"tapu_ve_har_masraflar\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"20\" value=\"3\"\/><div class=\"unit\" id=\"calc-unit-6\">%<\/div><small id=\"calc-info-6\">Al\u0131c\u0131n\u0131n tapu, har\u00e7 vb. masraflar\u0131n\u0131n ev fiyat\u0131na oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Emlak vergisi<\/label><input type=\"text\" name=\"emlak_vergisi\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"10\" value=\"1.1\"\/><div class=\"unit\" id=\"calc-unit-7\">%\/y\u0131l<\/div><small id=\"calc-info-7\">Y\u0131ll\u0131k emlak vergisinin ev de\u011ferine oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Konut sigortas\u0131 (y\u0131ll\u0131k)<\/label><input type=\"text\" name=\"konut_sigortas_yllk\" id=\"field-8\" aria-describedby=\"calc-unit-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1800\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Site\/apartman aidat\u0131 (ayl\u0131k)<\/label><input type=\"text\" name=\"siteapartman_aidat_aylk\" id=\"field-9\" aria-describedby=\"calc-unit-9 calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><small id=\"calc-info-9\">Apartman veya site y\u00f6netimi aidat\u0131.<\/small><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Bak\u0131m onar\u0131m<\/label><input type=\"text\" name=\"bakm_onarm\" id=\"field-10\" aria-describedby=\"calc-unit-10 calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"10\" value=\"1\"\/><div class=\"unit\" id=\"calc-unit-10\">%\/y\u0131l<\/div><small id=\"calc-info-10\">Y\u0131ll\u0131k bak\u0131m onar\u0131m giderinin ev de\u011ferine oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Ev de\u011fer art\u0131\u015f\u0131<\/label><input type=\"text\" name=\"ev_deer_art\" id=\"field-11\" aria-describedby=\"calc-unit-11 calc-info-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"20\" value=\"3\"\/><div class=\"unit\" id=\"calc-unit-11\">%\/y\u0131l<\/div><small id=\"calc-info-11\">Ev de\u011ferinin beklenen y\u0131ll\u0131k art\u0131\u015f oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-12\">Sat\u0131\u015f masraflar\u0131<\/label><input type=\"text\" name=\"sat_masraflar\" id=\"field-12\" aria-describedby=\"calc-unit-12 calc-info-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"20\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-12\">%<\/div><small id=\"calc-info-12\">Evi satarken \u00f6denen emlak komisyonu ve di\u011fer masraflar\u0131n sat\u0131\u015f fiyat\u0131na oran\u0131.<\/small><\/div><div class=\"is-single field\" id=\"input-13\"><span class=\"font-semibold\">Ev kiralama<\/span><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">Ayl\u0131k kira<\/label><input type=\"text\" name=\"aylk_kira\" id=\"field-14\" aria-describedby=\"calc-unit-14 calc-info-14\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2600\"\/><div class=\"unit\" id=\"calc-unit-14\">$<\/div><small id=\"calc-info-14\">Sat\u0131n alaca\u011f\u0131n\u0131z eve benzer bir evin kiras\u0131.<\/small><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">Y\u0131ll\u0131k kira art\u0131\u015f\u0131<\/label><input type=\"text\" name=\"yllk_kira_art\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"20\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-15\">%<\/div><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Kirac\u0131 sigortas\u0131 (y\u0131ll\u0131k)<\/label><input type=\"text\" name=\"kirac_sigortas_yllk\" id=\"field-16\" aria-describedby=\"calc-unit-16\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"180\"\/><div class=\"unit\" id=\"calc-unit-16\">$<\/div><\/div><div class=\"is-single field\" id=\"input-17\"><span class=\"font-semibold\">Zaman ufku ve yat\u0131r\u0131mlar<\/span><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Kar\u015f\u0131la\u015ft\u0131r\u0131lacak y\u0131l say\u0131s\u0131<\/label><input type=\"text\" name=\"karlatrlacak_yl_says\" id=\"field-18\" aria-describedby=\"calc-info-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"30\" value=\"7\"\/><small id=\"calc-info-18\">Bu kadar y\u0131l sonunda evi satt\u0131\u011f\u0131n\u0131z (ve kiral\u0131ktan \u00e7\u0131kt\u0131\u011f\u0131n\u0131z) varsay\u0131l\u0131r.<\/small><\/div><div class=\"field\" id=\"input-19\"><label for=\"field-19\">Yat\u0131r\u0131m getirisi<\/label><input type=\"text\" name=\"yatrm_getirisi\" id=\"field-19\" aria-describedby=\"calc-unit-19 calc-info-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"25\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-19\">%\/y\u0131l<\/div><small id=\"calc-info-19\">Kiralarken pe\u015finata ayr\u0131lan paran\u0131n ve ayl\u0131k tasarruflar\u0131n elde edece\u011fi getiri.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4134\">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> Kiralama ve sat\u0131n alma sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Sat\u0131n alman\u0131n net maliyeti<\/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>Kiralaman\u0131n net maliyeti<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-3\"><span class=\"field-title\"><span>Daha ucuz se\u00e7enek<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-4\"><span class=\"field-title\"><span>Ba\u015faba\u015f y\u0131l\u0131<\/span><\/span><span class=\"field-value\" id=\"result-4\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Ayl\u0131k kredi \u00f6demesi (anapara + faiz)<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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 is-column\" id=\"output-6\"><span class=\"field-title\"><span>K\u00fcm\u00fclatif net maliyet grafi\u011fi<\/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 class=\"field-result is-column\" id=\"output-7\"><span class=\"field-title\"><span>Y\u0131l y\u0131l kar\u015f\u0131la\u015ft\u0131rma<\/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><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=\"4134\" 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>Kira m\u0131 sat\u0131n alma m\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\\[ M = L \\cdot \\frac{i\\,(1+i)^{n}}{(1+i)^{n}-1} \\\\\nC_{\\text{alim}}(t) = S_{\\text{alim}}(t) - \\bigl(V_t - B_t - c_{\\text{sat}} V_t\\bigr) \\\\\nC_{\\text{kira}}(t) = S_{\\text{kira}}(t) - A_t \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(M\\) \u2014 ayl\u0131k konut kredisi \u00f6demesi (anapara ve faiz)<\/li>\n<li>\\(L\\) \u2014 kredi tutar\u0131: ev fiyat\u0131 eksi pe\u015finat<\/li>\n<li>\\(i\\) \u2014 ayl\u0131k faiz oran\u0131: y\u0131ll\u0131k kredi faiz oran\u0131n\u0131n 12'ye b\u00f6l\u00fcnmesiyle bulunur<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme say\u0131s\u0131: kredi vadesi (y\u0131l olarak) 12 ile \u00e7arp\u0131l\u0131r<\/li>\n<li>\\(C_{\\text{alim}}(t)\\) \u2014 eve \\(t\\) y\u0131l sahip olman\u0131n net maliyeti<\/li>\n<li>\\(S_{\\text{alim}}(t)\\) \u2014 al\u0131c\u0131n\u0131n \\(t\\). y\u0131la kadar \u00f6dedi\u011fi her \u015fey: pe\u015finat, tapu ve i\u015flem masraflar\u0131, kredi \u00f6demeleri, emlak vergisi, konut sigortas\u0131, site aidat\u0131 ve bak\u0131m-onar\u0131m<\/li>\n<li>\\(V_t\\) \u2014 evin \\(t\\). y\u0131ldaki de\u011feri; de\u011fer art\u0131\u015f oran\u0131yla b\u00fcy\u00fcr<\/li>\n<li>\\(B_t\\) \u2014 \\(t\\). y\u0131ldaki kalan kredi bakiyesi<\/li>\n<li>\\(c_{\\text{sat}}\\) \u2014 sat\u0131\u015f fiyat\u0131n\u0131n bir oran\u0131 olarak sat\u0131\u015f maliyetleri<\/li>\n<li>\\(C_{\\text{kira}}(t)\\) \u2014 \\(t\\) y\u0131l kiralaman\u0131n net maliyeti<\/li>\n<li>\\(S_{\\text{kira}}(t)\\) \u2014 \\(t\\). y\u0131la kadar \u00f6denen toplam kira ve kirac\u0131 sigortas\u0131<\/li>\n<li>\\(A_t\\) \u2014 kirac\u0131n\u0131n yat\u0131r\u0131m bakiyesi: pe\u015finata ayr\u0131lan nakit ve her ay kat\u0131lan tasarruflar, varsay\u0131lan yat\u0131r\u0131m getirisiyle bile\u015fik faizle artar<\/li>\n<\/ul>\n<p>Kar\u015f\u0131la\u015ft\u0131rma, iki se\u00e7ene\u011fi ayn\u0131 y\u00f6ntemle de\u011ferlendirir: toplam nakit \u00e7\u0131k\u0131\u015f\u0131ndan geri kazan\u0131lan servet d\u00fc\u015f\u00fcl\u00fcr \u2014 al\u0131c\u0131 i\u00e7in sat\u0131\u015f maliyetleri d\u00fc\u015f\u00fcld\u00fckten sonra evdeki \u00f6z sermaye, kirac\u0131 i\u00e7inse yat\u0131r\u0131m bakiyesi. Zaman ufkunuzda hangi se\u00e7ene\u011fin net maliyeti daha d\u00fc\u015f\u00fckse, o se\u00e7enek daha ucuzdur.<\/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>Kira m\u0131 sat\u0131n alma m\u0131 \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> %20 pe\u015finatla, %6,5 faizli 30 y\u0131ll\u0131k konut kredisi kullan\u0131larak al\u0131nan 400.000 $'l\u0131k bir ev \u2014 %3 tapu ve i\u015flem masraf\u0131, %1,1 emlak vergisi, y\u0131lda 1.800 $ konut sigortas\u0131, ev de\u011ferinin y\u0131lda %1'i kadar bak\u0131m-onar\u0131m, y\u0131lda %3 de\u011fer art\u0131\u015f\u0131 ve %6 sat\u0131\u015f maliyeti; kar\u015f\u0131s\u0131nda ise benzer bir evin 2.600 $\/ay kiras\u0131 (her y\u0131l %4 artan), y\u0131lda 180 $ kirac\u0131 sigortas\u0131, 7 y\u0131ll\u0131k bir zaman ufku ve %6 yat\u0131r\u0131m getirisi (hesaplay\u0131c\u0131n\u0131n varsay\u0131lan de\u011ferleri).<\/p>\n<p>Kredi tutar\u0131 \\(L = 400{,}000 \\times (1 - 0.20) = 320{,}000\\), ayl\u0131k faiz oran\u0131 \\(i = 0.065\/12 = 0.0054167\\) ve vade \\(n = 360\\) ay:<\/p>\n<p>\\[ M = 320{,}000 \\cdot \\frac{0.0054167\\,(1.0054167)^{360}}{(1.0054167)^{360} - 1} \\approx 2{,}022.62 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> Ayl\u0131k kredi \u00f6demesi (anapara + faiz) yakla\u015f\u0131k 2.022,62 $. Yedi y\u0131ll\u0131k ufukta sat\u0131n alman\u0131n net maliyeti yakla\u015f\u0131k 166.800 $, kiralaman\u0131n net maliyeti ise yakla\u015f\u0131k 105.400 $; yani kiralama kabaca 61.000 $ daha ucuz \u2014 hesaplay\u0131c\u0131 7 y\u0131ll\u0131k pencere i\u00e7inde bir ba\u015faba\u015f y\u0131l\u0131 bulam\u0131yor.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>Ev sat\u0131n alma<\/strong> b\u00f6l\u00fcm\u00fcne <em>Ev fiyat\u0131n\u0131<\/em>, <em>Pe\u015finat\u0131<\/em> (y\u00fczde olarak) ve <em>Kredi faiz oran\u0131n\u0131<\/em> girin; ard\u0131ndan 10, 15, 20 veya 30 y\u0131ll\u0131k bir <em>Kredi vadesi<\/em> se\u00e7in.<\/li>\n<li>Sahip olma maliyetlerini doldurun: <em>Tapu ve i\u015flem masraflar\u0131<\/em>, <em>Emlak vergisi<\/em>, <em>Konut sigortas\u0131 (y\u0131ll\u0131k)<\/em>, varsa <em>Site aidat\u0131 (ayl\u0131k)<\/em> ve ev de\u011ferinin y\u00fczdesi olarak y\u0131ll\u0131k <em>Bak\u0131m-onar\u0131m<\/em>.<\/li>\n<li><em>De\u011fer art\u0131\u015f\u0131n\u0131<\/em> (evin de\u011ferinin ne kadar h\u0131zl\u0131 y\u00fckselece\u011fi) ve <em>Sat\u0131\u015f maliyetlerini<\/em> (evi satt\u0131\u011f\u0131n\u0131zda \u00f6denen emlak\u00e7\u0131 ve di\u011fer masraflar) ayarlay\u0131n.<\/li>\n<li><strong>Kiralama<\/strong> b\u00f6l\u00fcm\u00fcne benzer bir evin <em>Ayl\u0131k kiras\u0131n\u0131<\/em>, <em>Y\u0131ll\u0131k kira art\u0131\u015f\u0131n\u0131<\/em> ve <em>Kirac\u0131 sigortas\u0131n\u0131 (y\u0131ll\u0131k)<\/em> girin.<\/li>\n<li><strong>Zaman ufku ve yat\u0131r\u0131mlar<\/strong> b\u00f6l\u00fcm\u00fcnde <em>Kar\u015f\u0131la\u015ft\u0131r\u0131lacak y\u0131l say\u0131s\u0131n\u0131<\/em> (ev bu s\u00fcrenin sonunda sat\u0131l\u0131yor varsay\u0131l\u0131r) ve kirac\u0131n\u0131n elinde serbest kalan nakdin kazanaca\u011f\u0131 <em>Yat\u0131r\u0131m getirisini<\/em> belirleyin.<\/li>\n<li><em>Sat\u0131n alman\u0131n net maliyetini<\/em>, <em>Kiralaman\u0131n net maliyetini<\/em> ve <em>Daha ucuz se\u00e7ene\u011fi<\/em> okuyun; ard\u0131ndan <em>Ba\u015faba\u015f y\u0131l\u0131n\u0131<\/em>, <em>Ayl\u0131k kredi \u00f6demesini (anapara + faiz)<\/em>, k\u00fcm\u00fclatif maliyet grafi\u011fini ve sonu\u00e7lar\u0131n alt\u0131ndaki y\u0131l y\u0131l tabloyu inceleyin.<\/li>\n<\/ol>\n<h2>\"Net maliyet\" nedir ve neden \u00f6nemlidir<\/h2>\n<p>Kira \u00f6demesini kredi taksidiyle kar\u015f\u0131la\u015ft\u0131rmak yan\u0131lt\u0131c\u0131d\u0131r. Kredi \u00f6demelerinin bir b\u00f6l\u00fcm\u00fc \u00f6z sermaye biriktirir; evin kendisi de de\u011fer kazanabilir. Kirac\u0131 bunlar\u0131n hi\u00e7birini geri alamaz, buna kar\u015f\u0131l\u0131k pe\u015finata ay\u0131rd\u0131\u011f\u0131 nakdi yat\u0131r\u0131ma y\u00f6nlendirme \u00f6zg\u00fcrl\u00fc\u011f\u00fcne sahiptir. \u0130ki taraf\u0131n ayr\u0131ca kar\u015f\u0131 taraf\u0131n katlanmad\u0131\u011f\u0131 maliyetleri vard\u0131r: al\u0131c\u0131 tapu ve i\u015flem masraflar\u0131, emlak vergisi, sigorta ve bak\u0131m-onar\u0131m \u00f6der; ayr\u0131ca emlak\u00e7\u0131 komisyonu y\u00fcz\u00fcnden evi iskontolu fiyattan elden \u00e7\u0131kar\u0131r. Kirac\u0131 ise s\u00fcrekli artan kira \u00f6der ve yakla\u015fan nakdini kullanamad\u0131\u011f\u0131 i\u00e7in elde edebilece\u011fi yat\u0131r\u0131m kazan\u00e7lar\u0131ndan vazge\u00e7er.<\/p>\n<p>Hesaplay\u0131c\u0131 bu nedenle her iki yolu da ay ay sim\u00fcle eder. Al\u0131c\u0131 i\u00e7in pe\u015finat\u0131, tapu ve i\u015flem masraflar\u0131n\u0131, kredi \u00f6demelerini, emlak vergisini, sigortay\u0131, site aidat\u0131n\u0131 ve bak\u0131m-onar\u0131m\u0131 toplar; ard\u0131ndan o noktada sat\u0131\u015f yapm\u0131\u015f olsayd\u0131n\u0131z geri kazanaca\u011f\u0131n\u0131z tutar\u0131 \u2014 evin de\u011feri eksi kalan kredi bakiyesi ve sat\u0131\u015f maliyetleri \u2014 d\u00fc\u015fer. Kirac\u0131 i\u00e7inse y\u0131lda bir kez artan kiray\u0131 ve kirac\u0131 sigortas\u0131n\u0131 toplar; sonra al\u0131c\u0131n\u0131n ba\u015flang\u0131\u00e7ta \u00f6deyece\u011fi nakit ve her ay biriken tasarruflarla kurulan, varsayd\u0131\u011f\u0131n\u0131z getiriyle <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-faiz\/\">ayl\u0131k bile\u015fik faizle b\u00fcy\u00fcyen<\/a> yat\u0131r\u0131m hesab\u0131n\u0131 d\u00fc\u015fer.<\/p>\n<p>Zaman ufkunuzda hangi net maliyet daha d\u00fc\u015f\u00fckse o se\u00e7enek \u00f6ne ge\u00e7er. <em>Ba\u015faba\u015f y\u0131l\u0131<\/em>, evi o y\u0131l satm\u0131\u015f olman\u0131z\u0131n bu kadar uzun s\u00fcre kiralamaktan daha k\u00f6t\u00fc olmayaca\u011f\u0131 ilk y\u0131ld\u0131r; bu y\u0131ldan \u00f6nce, kirac\u0131n\u0131n yat\u0131r\u0131m kazan\u00e7lar\u0131 hesaba kat\u0131ld\u0131\u011f\u0131nda bile kiralama daha ucuzdur. \u0130\u015flem maliyetleri ba\u015fta y\u00fcklenirken \u00f6z sermaye ve de\u011fer art\u0131\u015f\u0131 zamanla bile\u015fik olarak birikti\u011fi i\u00e7in k\u0131sa ufuklarda genelde kiralama, uzun ufuklarda ise sat\u0131n alma \u00f6ne \u00e7\u0131kar \u2014 varsay\u0131lan 7 y\u0131ll\u0131k senaryoda kiralaman\u0131n \u00f6nde kalmas\u0131n\u0131n nedeni de budur.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rl\u0131l\u0131klar ve pratik ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Vergiler hari\u00e7 tutulmu\u015ftur.<\/strong> Kredi faizi ve emlak vergisi indirimleri, ana konuttaki sermaye kazanc\u0131 istisnas\u0131 ile yat\u0131r\u0131m kazan\u00e7lar\u0131na \u00f6denecek vergiler sonucu de\u011fi\u015ftirebilir; \u00e7o\u011funlukla al\u0131c\u0131n\u0131n lehine.<\/li>\n<li><strong>PMI modellenmemi\u015ftir.<\/strong> Pe\u015finat %20'nin alt\u0131ndaysa bankalar\u0131n \u00e7o\u011fu \u00f6zel ipotek sigortas\u0131 (PMI) ekler; bu, kredi tutar\u0131n\u0131n y\u0131lda %0,3\u20131,5'i kadar bir ek maliyet yaratabilir.<\/li>\n<li><strong>Kirac\u0131n\u0131n disiplinli oldu\u011fu varsay\u0131l\u0131r.<\/strong> Pe\u015finat\u0131n tamam\u0131 ve her ay birikmi\u015f fark, belirtilen getiriyle yat\u0131r\u0131l\u0131r. Bu para harcan\u0131r ya da yat\u0131r\u0131lmazsa kiralama g\u00f6sterilenden daha k\u00f6t\u00fc g\u00f6r\u00fcn\u00fcr.<\/li>\n<li><strong>K\u00fc\u00e7\u00fck varsay\u0131m de\u011fi\u015fiklikleri \u00f6nemlidir.<\/strong> De\u011fer art\u0131\u015f\u0131, kira art\u0131\u015f\u0131 ve yat\u0131r\u0131m getirisi tahmindir; herhangi birinde 1\u20132 puanl\u0131k bir de\u011fi\u015fiklik cevab\u0131 tersine \u00e7evirebilir. Tek bir senaryoya g\u00fcvenmek yerine birka\u00e7 ger\u00e7ek\u00e7i senaryoyu deneyin.<\/li>\n<li><strong>Sabit tutarlar nominal kal\u0131r.<\/strong> Bu modelde sigorta, site aidat\u0131 ve kirac\u0131 sigortas\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/enflasyon-hesaplama-para-degeri\/\">enflasyonla<\/a> artmaz; oysa kira, vergiler ve bak\u0131m-onar\u0131m artar.<\/li>\n<li>Karar vermeden \u00f6nce \u00f6demenin b\u00fct\u00e7enize uyup uymad\u0131\u011f\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7-gelir oran\u0131 hesaplama arac\u0131yla<\/a> kontrol edin; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">kredi erken kapatma hesaplay\u0131c\u0131s\u0131yla<\/a> modelleyebilece\u011finiz ek anapara \u00f6demeleri de ba\u015faba\u015f ufukunu k\u0131salt\u0131r.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ev fiyat\u0131n\u0131, kredi ko\u015fullar\u0131n\u0131 ve sahip olma maliyetlerini bir tarafa, kiran\u0131z\u0131 di\u011fer tarafa girin; se\u00e7ti\u011finiz s\u00fcre sonunda sat\u0131n alman\u0131n ve kiralaman\u0131n toplam net maliyetini, ayr\u0131ca sat\u0131n alman\u0131n daha ucuz h\u00e2le geldi\u011fi ba\u015faba\u015f y\u0131l\u0131n\u0131 g\u00f6r\u00fcn.<\/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-4134","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\/4134","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=4134"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4134\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4134"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4134"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4134"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}