{"id":4145,"date":"2026-10-21T06:54:14","date_gmt":"2026-10-21T05:54:14","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/borc-kartopu-hesaplayicisi-kartopu-vs-cig\/"},"modified":"2026-10-21T06:54:14","modified_gmt":"2026-10-21T05:54:14","slug":"borc-kartopu-hesaplayicisi-kartopu-vs-cig","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/borc-kartopu-hesaplayicisi-kartopu-vs-cig\/","title":{"rendered":"Bor\u00e7 kartopu hesaplay\u0131c\u0131 \u2013 Kartopu mu, \u00e7\u0131\u011f m\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\">Bor\u00e7 \u00f6deme stratejilerini kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4145\" data-favorite-title=\"Bor\u00e7 kartopu\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/borc-kartopu-hesaplayicisi-kartopu-vs-cig\/\" data-favorite-excerpt=\"Bor\u00e7 kartopu ve \u00e7\u0131\u011f stratejilerini yan yana kar\u015f\u0131la\u015ft\u0131r\u0131n. Her borcun bakiyesini, YFO&#039;sunu ve asgari \u00f6demesini, ayr\u0131ca ayl\u0131k toplam b\u00fct\u00e7enizi girin; hangi y\u00f6ntemin sizi daha h\u0131zl\u0131 ve daha ucuza bor\u00e7tan kurtard\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcn.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-budget\">\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-kartopu-hesaplayicisi-kartopu-vs-cig\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4145\" data-post=\"4145\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field is-single\" id=\"input-1\"><label for=\"field-1\">Bor\u00e7 say\u0131s\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"bor_says\"><option value=\"1\">1 bor\u00e7<\/option><option value=\"2\">2 bor\u00e7<\/option><option value=\"3\" selected>3 bor\u00e7<\/option><option value=\"4\">4 bor\u00e7<\/option><option value=\"5\">5 bor\u00e7<\/option><option value=\"6\">6 bor\u00e7<\/option><option value=\"7\">7 bor\u00e7<\/option><option value=\"8\">8 bor\u00e7<\/option><option value=\"9\">9 bor\u00e7<\/option><option value=\"10\">10 bor\u00e7<\/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=\"is-single field\" id=\"input-2\"><span class=\"font-semibold\">Bor\u00e7 1<\/span><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-3\" placeholder=\"\u00f6rn. Kredi kart\u0131\" step=\"any\" value=\"Credit card\"\/><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"24.9\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"90\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Bu bor\u00e7 i\u00e7in her ay \u00f6demeniz gereken en d\u00fc\u015f\u00fck tutar.<\/small><\/div><div class=\"is-single field\" id=\"input-7\"><span class=\"font-semibold\">Bor\u00e7 2<\/span><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-8\" placeholder=\"\u00f6rn. Ma\u011faza kart\u0131\" step=\"any\" value=\"Store card\"\/><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-9\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-9\" aria-describedby=\"calc-unit-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"800\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"18.9\"\/><div class=\"unit\" id=\"calc-unit-10\">%<\/div><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"40\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"is-single field\" id=\"input-12\"><span class=\"font-semibold\">Bor\u00e7 3<\/span><\/div><div class=\"field\" id=\"input-13\"><label for=\"field-13\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-13\" placeholder=\"\u00f6rn. \u0130htiya\u00e7 kredisi\" step=\"any\" value=\"Personal loan\"\/><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-14\" aria-describedby=\"calc-unit-14\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-14\">$<\/div><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"11.5\"\/><div class=\"unit\" id=\"calc-unit-15\">%<\/div><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-16\" aria-describedby=\"calc-unit-16\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200\"\/><div class=\"unit\" id=\"calc-unit-16\">$<\/div><\/div><div class=\"is-single field\" id=\"input-17\" hidden><span class=\"font-semibold\">Bor\u00e7 4<\/span><\/div><div class=\"field\" id=\"input-18\" hidden><label for=\"field-18\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-18\" placeholder=\"\u00f6rn. Hastane faturas\u0131\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-19\" hidden><label for=\"field-19\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\" hidden><label for=\"field-20\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-20\">%<\/div><\/div><div class=\"field\" id=\"input-21\" hidden><label for=\"field-21\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-21\" aria-describedby=\"calc-unit-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><\/div><div class=\"is-single field\" id=\"input-22\" hidden><span class=\"font-semibold\">Bor\u00e7 5<\/span><\/div><div class=\"field\" id=\"input-23\" hidden><label for=\"field-23\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-23\" placeholder=\"\u00f6rn. Ara\u00e7 kredisi\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-24\" hidden><label for=\"field-24\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-24\" aria-describedby=\"calc-unit-24\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-24\">$<\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-25\" aria-describedby=\"calc-unit-25\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-25\">%<\/div><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"is-single field\" id=\"input-27\" hidden><span class=\"font-semibold\">Bor\u00e7 6<\/span><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-28\" placeholder=\"\u00f6rn. \u00d6\u011frenci kredisi\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-29\" aria-describedby=\"calc-unit-29\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-29\">$<\/div><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">%<\/div><\/div><div class=\"field\" id=\"input-31\" hidden><label for=\"field-31\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-31\" aria-describedby=\"calc-unit-31\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-31\">$<\/div><\/div><div class=\"is-single field\" id=\"input-32\" hidden><span class=\"font-semibold\">Bor\u00e7 7<\/span><\/div><div class=\"field\" id=\"input-33\" hidden><label for=\"field-33\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-33\" placeholder=\"\u00f6rn. Di\u015f faturas\u0131\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-34\" hidden><label for=\"field-34\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-34\" aria-describedby=\"calc-unit-34\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-34\">$<\/div><\/div><div class=\"field\" id=\"input-35\" hidden><label for=\"field-35\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-35\" aria-describedby=\"calc-unit-35\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-35\">%<\/div><\/div><div class=\"field\" id=\"input-36\" hidden><label for=\"field-36\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-36\" aria-describedby=\"calc-unit-36\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-36\">$<\/div><\/div><div class=\"is-single field\" id=\"input-37\" hidden><span class=\"font-semibold\">Bor\u00e7 8<\/span><\/div><div class=\"field\" id=\"input-38\" hidden><label for=\"field-38\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-38\" placeholder=\"\u00f6rn. \u015eimdi al sonra \u00f6de\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-39\" hidden><label for=\"field-39\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-39\" aria-describedby=\"calc-unit-39\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-39\">$<\/div><\/div><div class=\"field\" id=\"input-40\" hidden><label for=\"field-40\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-40\" aria-describedby=\"calc-unit-40\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-40\">%<\/div><\/div><div class=\"field\" id=\"input-41\" hidden><label for=\"field-41\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-41\" aria-describedby=\"calc-unit-41\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-41\">$<\/div><\/div><div class=\"is-single field\" id=\"input-42\" hidden><span class=\"font-semibold\">Bor\u00e7 9<\/span><\/div><div class=\"field\" id=\"input-43\" hidden><label for=\"field-43\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-43\" placeholder=\"\u00f6rn. Vergi borcu\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-44\" hidden><label for=\"field-44\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-44\" aria-describedby=\"calc-unit-44\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-44\">$<\/div><\/div><div class=\"field\" id=\"input-45\" hidden><label for=\"field-45\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-45\" aria-describedby=\"calc-unit-45\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-45\">%<\/div><\/div><div class=\"field\" id=\"input-46\" hidden><label for=\"field-46\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-46\" aria-describedby=\"calc-unit-46\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-46\">$<\/div><\/div><div class=\"is-single field\" id=\"input-47\" hidden><span class=\"font-semibold\">Bor\u00e7 10<\/span><\/div><div class=\"field\" id=\"input-48\" hidden><label for=\"field-48\">Ad<\/label><input type=\"text\" name=\"ad\" id=\"field-48\" placeholder=\"\u00f6rn. Rotatif kredi\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-49\" hidden><label for=\"field-49\">Bakiye<\/label><input type=\"text\" name=\"bakiye\" id=\"field-49\" aria-describedby=\"calc-unit-49\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-49\">$<\/div><\/div><div class=\"field\" id=\"input-50\" hidden><label for=\"field-50\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-50\" aria-describedby=\"calc-unit-50\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"1000\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-50\">%<\/div><\/div><div class=\"field\" id=\"input-51\" hidden><label for=\"field-51\">Asgari \u00f6deme<\/label><input type=\"text\" name=\"asgari_deme\" id=\"field-51\" aria-describedby=\"calc-unit-51\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-51\">$<\/div><\/div><div class=\"field is-single\" id=\"input-52\"><label for=\"field-52\">Bor\u00e7lar i\u00e7in toplam ayl\u0131k b\u00fct\u00e7e<\/label><input type=\"text\" name=\"borlar_iin_toplam_aylk_bte\" id=\"field-52\" aria-describedby=\"calc-unit-52 calc-info-52\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-52\">$<\/div><small id=\"calc-info-52\">T\u00fcm asgari \u00f6demelerin toplam\u0131 kadar veya \u00fczerinde olmal\u0131d\u0131r. Asgari \u00f6demelerin \u00fczerinde kalan tutar, \u00f6nceliklendirdi\u011finiz borca aktar\u0131l\u0131r.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4145\">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> Kartopu mu, \u00e7\u0131\u011f m\u0131?<\/h3><div class=\"result-box\"><div class=\"field-result is-column\" id=\"output-1\"><span class=\"field-title\"><span>Hangisi daha \u00e7ok tasarruf sa\u011flar?<\/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>Kartopu: bor\u00e7tan kurtulma s\u00fcresi<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"ay\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Kartopu: bor\u00e7tan kurtulma tarihi<\/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>Kartopu: \u00f6denen toplam faiz<\/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 is-column\" id=\"output-5\"><span class=\"field-title\"><span>Kartopu: \u00f6deme s\u0131ras\u0131<\/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\" id=\"output-6\"><span class=\"field-title\"><span>\u00c7\u0131\u011f: bor\u00e7tan kurtulma s\u00fcresi<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"ay\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>\u00c7\u0131\u011f: bor\u00e7tan kurtulma tarihi<\/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\" id=\"output-8\"><span class=\"field-title\"><span>\u00c7\u0131\u011f: \u00f6denen toplam faiz<\/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 class=\"field-result is-column\" id=\"output-9\"><span class=\"field-title\"><span>\u00c7\u0131\u011f: \u00f6deme s\u0131ras\u0131<\/span><\/span><span class=\"field-value\" id=\"result-9\"><\/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-10\"><span class=\"field-title\"><span>Kartopu: ayl\u0131k \u00f6deme plan\u0131<\/span><\/span><span class=\"field-value\" id=\"result-10\"><\/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-11\"><span class=\"field-title\"><span>\u00c7\u0131\u011f: ayl\u0131k \u00f6deme plan\u0131<\/span><\/span><span class=\"field-value\" id=\"result-11\"><\/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=\"4145\" 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 kartopu 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\\[ i_j = b_j \\cdot \\frac{r_j}{12}, \\qquad R = B - \\sum_{j=1}^{n} m_j \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(b_j\\) \u2014 \\(j\\) numaral\u0131 borcun g\u00fcncel bakiyesi<\/li>\n<li>\\(r_j\\) \u2014 ondal\u0131k olarak yaz\u0131lm\u0131\u015f y\u0131ll\u0131k faiz oran\u0131 (YFO)<\/li>\n<li>\\(i_j\\) \u2014 bir ay boyunca \\(j\\) borcuna eklenen faiz<\/li>\n<li>\\(m_j\\) \u2014 \\(j\\) borcunda zorunlu ayl\u0131k asgari \u00f6deme<\/li>\n<li>\\(B\\) \u2014 t\u00fcm bor\u00e7 \u00f6demeleri i\u00e7in ayr\u0131lan ayl\u0131k toplam b\u00fct\u00e7e<\/li>\n<li>\\(R\\) \u2014 t\u00fcm asgari \u00f6demeler kar\u015f\u0131land\u0131ktan sonra her ay kalan ek para<\/li>\n<\/ul>\n<p>Hesaplay\u0131c\u0131 her ay a\u00e7\u0131k bakiyelerin tamam\u0131na faiz ekler, b\u00fct\u00fcn asgari \u00f6demeleri yapar ve geriye kalan \\(R\\) tutar\u0131n\u0131 tek bir \u00f6ncelikli borca y\u00f6neltir: en k\u00fc\u00e7\u00fck bakiyeye (kartopu) ya da en y\u00fcksek YFO'ya (\u00e7\u0131\u011f). \u00d6ncelikli bor\u00e7 s\u0131f\u0131ra indirildi\u011finde, bo\u015falan asgari \u00f6demesi de \\(R\\) ile birlikte bir sonraki hedefe devredilir; b\u00f6ylece \u00f6deme \"kartopu\" her bor\u00e7 kapand\u0131\u011f\u0131nda biraz daha b\u00fcy\u00fcr.<\/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 kartopu \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> \u00fc\u00e7 bor\u00e7 \u2014 %24,9 YFO ve 90 $ asgari \u00f6demeye sahip 3.000 $ bakiyeli bir kredi kart\u0131, 800 $ bakiyeli, %18,9 faizli ve 40 $ asgari \u00f6demeli bir ma\u011faza kart\u0131 ile 6.000 $ tutar\u0131nda, %11,5 faizli ve 200 $ asgari \u00f6demeli bir ihtiya\u00e7 kredisi \u2014 bunlar ayl\u0131k toplam 500 $ b\u00fct\u00e7eyle \u00f6deniyor.<\/p>\n<p>Asgari \u00f6demelerin toplam\u0131 \\(90 + 40 + 200 = \\$330\\); dolay\u0131s\u0131yla her ay \\(R = 500 - 330 = \\$170\\) \u00f6ncelikli borca gidiyor. 1. ayda kartopu ma\u011faza kart\u0131na y\u00f6nelir (en k\u00fc\u00e7\u00fck bakiye):<\/p>\n<p>\\[ 800 \\times \\tfrac{0.189}{12} + 800 = 812.60, \\quad 812.60 - 40 - 170 = \\$602.60 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bu rakamlarla kartopu \u00fc\u00e7 borcun tamam\u0131n\u0131 yakla\u015f\u0131k 23 ayda kapat\u0131yor ve kabaca 1.508 $ faiz \u00f6d\u00fcyor. \u00d6nce %24,9'luk kredi kart\u0131na y\u00f6nelen \u00e7\u0131\u011f da yakla\u015f\u0131k 23 ayda bitiyor ama yakla\u015f\u0131k 1.466 $ faiz \u00f6d\u00fcyor \u2014 yakla\u015f\u0131k 42 $ tasarruf ediyor.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Bor\u00e7 say\u0131s\u0131n\u0131<\/strong> ayarlay\u0131n (1 ile 10 aras\u0131). Form tam olarak o say\u0131da bor\u00e7 b\u00f6l\u00fcm\u00fc g\u00f6sterir.<\/li>\n<li>Her bor\u00e7 i\u00e7in bir <strong>Ad<\/strong> (iste\u011fe ba\u011fl\u0131, \u00f6rn. \"Kredi kart\u0131\"), g\u00fcncel <strong>Bakiye<\/strong>, <strong>YFO<\/strong> ve her ay yapman\u0131z gereken <strong>Asgari \u00f6deme<\/strong> de\u011ferini yaz\u0131n.<\/li>\n<li>Bor\u00e7lar i\u00e7in <strong>ayl\u0131k toplam b\u00fct\u00e7enizi<\/strong> girin \u2014 bir ayda bor\u00e7 geri \u00f6demesine ay\u0131rabilece\u011finiz her kuru\u015f. Bu tutar, asgari \u00f6demelerin toplam\u0131ndan az olamaz.<\/li>\n<li>Hangi stratejinin ne kadar tasarruf ettirdi\u011fini s\u00f6yleyen sonu\u00e7 sat\u0131r\u0131n\u0131 okuyun.<\/li>\n<li>Kartopu ve \u00e7\u0131\u011f\u0131 yan yana kar\u015f\u0131la\u015ft\u0131r\u0131n: bor\u00e7tan kurtulma s\u00fcresi, kurtulma tarihi, \u00f6denen toplam faiz ve her borcun kapanma s\u0131ras\u0131.<\/li>\n<li>Bakiyeleri, \u00f6demeleri ve faiz y\u00fcklerini ay ay g\u00f6rmek i\u00e7in <em>Kartopu ayl\u0131k takvimi<\/em> ya da <em>\u00c7\u0131\u011f ayl\u0131k takvimi<\/em> b\u00f6l\u00fcm\u00fcn\u00fc a\u00e7\u0131n.<\/li>\n<\/ol>\n<h2>Kartopu mu, \u00e7\u0131\u011f m\u0131?<\/h2>\n<p>\u0130ki strateji de ayn\u0131 temel fikre dayan\u0131r: t\u00fcm asgari \u00f6demeler yap\u0131l\u0131r, sonra kalan her kuru\u015f tek bir borca aktar\u0131l\u0131r. Yaln\u0131zca hedef se\u00e7iminde ayr\u0131l\u0131rlar. <strong>Kartopu<\/strong> \u00f6nce en k\u00fc\u00e7\u00fck bakiyeye sald\u0131r\u0131r; b\u00f6ylece bor\u00e7lar\u0131 h\u0131zla tek tek ortadan kald\u0131r\u0131rs\u0131n\u0131z \u2014 ma\u011faza kart\u0131 erken kapan\u0131r ve bu g\u00f6r\u00fcn\u00fcr ilerleme g\u00fc\u00e7l\u00fc bir motivasyon kayna\u011f\u0131d\u0131r. Her bor\u00e7 kapand\u0131\u011f\u0131nda asgari \u00f6demesi, bir sonraki en k\u00fc\u00e7\u00fck bakiyeye yap\u0131lacak sald\u0131r\u0131ya eklenir; \"kartopu\" ad\u0131 da buradan gelir.<\/p>\n<p><strong>\u00c7\u0131\u011f<\/strong> ise \u00f6nce en y\u00fcksek faiz oran\u0131na sald\u0131r\u0131r. Matematiksel olarak en ucuz se\u00e7enektir: sabit bir ayl\u0131k b\u00fct\u00e7e i\u00e7in, her zaman en pahal\u0131 borcu yok etmekten daha az toplam faiz \u00fcreten bir s\u0131ralama yoktur. Yukar\u0131daki \u00f6rnekte yakla\u015f\u0131k 42 $ tasarruf sa\u011flar; ba\u015fka durumlarda, \u00f6zellikle de YFO'su y\u00fcksek b\u00fcy\u00fck bakiyelerde fark binlerce dolara \u00e7\u0131kabilir.<\/p>\n<p><P>\u00d6yleyse kim kartopunu se\u00e7er? \u00c7\u00fcnk\u00fc k\u00e2\u011f\u0131t \u00fczerindeki en ucuz plan, yar\u0131m b\u0131rak\u0131rsan\u0131z hi\u00e7bir i\u015fe yaramaz. Bor\u00e7 geri \u00f6deme davran\u0131\u015f\u0131 \u00fczerine yap\u0131lan ara\u015ft\u0131rmalar, bir\u00e7ok insan\u0131n kartopuna daha uzun s\u00fcre sad\u0131k kald\u0131\u011f\u0131n\u0131 g\u00f6steriyor; \u00e7\u00fcnk\u00fc bir hesab\u0131 erken kapatmak ger\u00e7ek bir ilerleme gibi hissettirir ve istikrar, birka\u00e7 dolarl\u0131k faizden daha \u00f6nemlidir. Bu hesaplay\u0131c\u0131 <em>sizin<\/em> bor\u00e7lar\u0131n\u0131z i\u00e7in ger\u00e7ek \u00f6d\u00fcnle\u015fimi g\u00f6sterir; b\u00f6ylece karar bir tahmin de\u011fil, bir say\u0131 olur.<\/p>\n<p>Sonucu yorumlamak kolayd\u0131r: \u00e7\u0131\u011f yaln\u0131zca ufak bir tutar tasarruf ettiriyorsa, takip etmesi size hangisi daha kolay geliyorsa onu se\u00e7in \u2014 erken zaferleri i\u00e7in kartopu lehine. \u00c7\u0131\u011f y\u00fczlerce dolar ya da daha fazlas\u0131n\u0131 tasarruf ettiriyorsa ciddi bi\u00e7imde d\u00fc\u015f\u00fcn\u00fcn; \u00f6zellikle de en y\u00fcksek faizli borcunuz ayn\u0131 zamanda b\u00fcy\u00fckse. YFO'su y\u00fcksek tek bir bakiyenin bile\u015fik faizle nas\u0131l b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-faiz-hesaplayici\/\">kredi kart\u0131 faiz hesaplay\u0131c\u0131m\u0131z\u0131<\/a> deneyin.<\/p>\n<h2>K\u0131sa kar\u015f\u0131la\u015ft\u0131rma<\/h2>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Kartopu<\/th>\n<th>\u00c7\u0131\u011f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u00d6ncelik<\/td>\n<td>\u00d6nce en k\u00fc\u00e7\u00fck bakiye<\/td>\n<td>\u00d6nce en y\u00fcksek YFO<\/td>\n<\/tr>\n<tr>\n<td>\u00d6denen faiz<\/td>\n<td>Biraz daha fazla<\/td>\n<td>Her zaman m\u00fcmk\u00fcn olan en d\u00fc\u015f\u00fck<\/td>\n<\/tr>\n<tr>\n<td>Bor\u00e7tan kurtulma s\u00fcresi<\/td>\n<td>Ayn\u0131 ya da biraz uzun<\/td>\n<td>Ayn\u0131 ya da daha k\u0131sa<\/td>\n<\/tr>\n<tr>\n<td>Psikolojik \u00fcst\u00fcnl\u00fck<\/td>\n<td>H\u0131zl\u0131 erken zaferler<\/td>\n<td>Pahal\u0131 borcun erimesini izlemek tatmin edici<\/td>\n<\/tr>\n<tr>\n<td>\u015eunlar i\u00e7in ideal<\/td>\n<td>Momentum gerektirenler<\/td>\n<td>Toplam tasarrufla motive olanlar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li>Hesaplay\u0131c\u0131, yeni bor\u00e7 yapmay\u0131 b\u0131rakt\u0131\u011f\u0131n\u0131z\u0131 ve t\u00fcm bakiyeler s\u0131f\u0131rlanana kadar ayl\u0131k b\u00fct\u00e7enin sabit kalaca\u011f\u0131n\u0131 varsayar. B\u00fct\u00e7eniz de\u011fi\u015fkense, ger\u00e7ek\u00e7i bir ortalama ile hesaplamay\u0131 yeniden \u00e7al\u0131\u015ft\u0131r\u0131n.<\/li>\n<li>Faiz, bakiye \u00d7 YFO \u00f7 12 form\u00fcl\u00fcyle ayl\u0131k olarak i\u015fletilir; \u00e7o\u011fu kredi kart\u0131 ve kredi de faizi b\u00f6yle hesaplar. G\u00fcnl\u00fck bile\u015fik faizlenen ya da faiz i\u015fletilmeyen d\u00f6nemi olan bakiyeler biraz farkl\u0131 sonu\u00e7 verebilir.<\/li>\n<li>Asgari \u00f6demeler, azalan bakiyenin y\u00fczdesi olarak de\u011fil, sabit tutarlar olarak ele al\u0131n\u0131r. Asgari \u00f6demeleriniz bakiye d\u00fc\u015ft\u00fck\u00e7e azal\u0131yorsa sonu\u00e7lar bir miktar farkl\u0131 olur.<\/li>\n<li>\u00dccretler, s\u00fcresi sonra dolan %0'l\u0131k promosyon d\u00f6nemleri ve d\u00f6nem ortas\u0131nda kesilen ekstreler modellenmemi\u015ftir. \u00d6deme s\u00fcresi boyunca oran\u0131n ger\u00e7ekte ne olaca\u011f\u0131n\u0131 yans\u0131tan bir YFO girin.<\/li>\n<li>B\u00fct\u00e7eniz asgari \u00f6demeleri k\u0131l pay\u0131 kar\u015f\u0131l\u0131yorsa, \u00f6demelerin b\u00fcy\u00fck b\u00f6l\u00fcm\u00fc faize gider ve ilerleyi\u015f can s\u0131k\u0131c\u0131 derecede yava\u015f olur. Yola \u00e7\u0131kmadan \u00f6nce ne kadar zorland\u0131\u011f\u0131n\u0131z\u0131 g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7-gelir oran\u0131n\u0131z\u0131<\/a> hesaplay\u0131n.<\/li>\n<li>Bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">bor\u00e7 birle\u015ftirme kredisi<\/a>, birka\u00e7 \u00f6demeyi daha d\u00fc\u015f\u00fck tek bir orana sahip tek \u00f6demeye d\u00f6n\u00fc\u015ft\u00fcrebilir \u2014 kredi notunuz iyiyse her iki stratejiyle kar\u015f\u0131la\u015ft\u0131rmaya de\u011fer.<\/li>\n<li>Teminats\u0131z bor\u00e7lar bittikten sonra ayn\u0131 kartopu mant\u0131\u011f\u0131 daha b\u00fcy\u00fck kredilerde de i\u015fler; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">ek \u00f6demeli konut kredisi kapatma hesaplay\u0131c\u0131m\u0131z<\/a>, bo\u015falan b\u00fct\u00e7enizi konut kredisine aktarman\u0131n etkisini g\u00f6sterir.<\/li>\n<li>Bir bor\u00e7ta son derece y\u00fcksek YFO varsa (\u00f6rne\u011fin bir maa\u015f g\u00fcn\u00fc kredisi), hangi y\u00f6ntemde olursa olsun \u00f6nce ona y\u00f6nelmek ak\u0131ll\u0131cad\u0131r \u2014 stratejiden ba\u011f\u0131ms\u0131z olarak onu listenin en \u00fcst\u00fcne koyun.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bor\u00e7 kartopu ve \u00e7\u0131\u011f stratejilerini yan yana kar\u015f\u0131la\u015ft\u0131r\u0131n. Her borcun bakiyesini, YFO'sunu ve asgari \u00f6demesini, ayr\u0131ca ayl\u0131k toplam b\u00fct\u00e7enizi girin; hangi y\u00f6ntemin sizi daha h\u0131zl\u0131 ve daha ucuza bor\u00e7tan kurtard\u0131\u011f\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":[24],"class_list":["post-4145","post","type-post","status-publish","format-standard","hentry","category-finans","tag-butce"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4145","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=4145"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4145\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}