{"id":4148,"date":"2026-10-21T10:01:15","date_gmt":"2026-10-21T09:01:15","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/balon-odeme-hesaplama\/"},"modified":"2026-10-21T10:01:15","modified_gmt":"2026-10-21T09:01:15","slug":"balon-odeme-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/balon-odeme-hesaplama\/","title":{"rendered":"Balon \u00f6demesi 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\">Calculate Your Balloon Loan Payment and Balloon Amount<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4148\" data-favorite-title=\"Balon kredisi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/balon-odeme-hesaplama\/\" data-favorite-excerpt=\"Balon \u00f6demeli bir kredinin ayl\u0131k \u00f6demesini ve vade sonunda \u00f6denecek toplu balon tutar\u0131n\u0131 hesaplar. Kredi tutar\u0131n\u0131, faiz oran\u0131n\u0131, amortisman s\u00fcresini ve balon vadesini girin \u2014 ya da se\u00e7ti\u011finiz bir balon tutar\u0131na ula\u015fmak i\u00e7in gereken \u00f6demeyi geriye do\u011fru hesaplat\u0131n.\" 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\/balon-odeme-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4148\" data-post=\"4148\"><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\">Loan Terms<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Mode<\/label><div class=\"grid grid-cols-1\"><select id=\"field-2\" name=\"mode\"><option value=\"f\" selected>Calculate payment and balloon<\/option><option value=\"r\">Find payment for a target balloon<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Loan amount<\/label><input type=\"text\" name=\"loan_amount\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"300000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">The principal you borrow.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Interest rate (APR)<\/label><input type=\"text\" name=\"interest_rate_apr\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6.5\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><\/div><div class=\"field has-term\" id=\"input-5\"><label for=\"field-5\">Amortization period<\/label><div class=\"term\">N<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"amortization_period\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"50\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-5\">yrs<\/div><small id=\"calc-info-5\">The payment is computed as if the loan fully amortized over this period (a 30\/15 structure uses 30).<\/small><\/div><div class=\"field has-term\" id=\"input-6\"><label for=\"field-6\">Balloon due after<\/label><div class=\"term\">t<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"balloon_due_after\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.25\" max=\"50\" value=\"7\"\/><div class=\"unit\" id=\"calc-unit-6\">yrs<\/div><small id=\"calc-info-6\">When the remaining balance becomes due. 0.25 years = 3 months.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Payment structure<\/label><div class=\"grid grid-cols-1\"><select id=\"field-7\" name=\"payment_structure\"><option value=\"amort\" selected>Fully amortizing payment<\/option><option value=\"interest\">Interest-only<\/option><option value=\"custom\">Fixed monthly payment<\/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-8\" hidden><label for=\"field-8\">Fixed monthly payment<\/label><input type=\"text\" name=\"fixed_monthly_payment\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1800\"\/><div class=\"unit\" id=\"calc-unit-8\">$ \/ mo<\/div><small id=\"calc-info-8\">Your own payment amount instead of the computed one.<\/small><\/div><div class=\"is-single field\" id=\"input-9\" hidden><span class=\"font-semibold\">Target Balloon Mode<\/span><\/div><div class=\"field\" id=\"input-10\" hidden><label for=\"field-10\">Desired balloon amount<\/label><input type=\"text\" name=\"desired_balloon_amount\" id=\"field-10\" aria-describedby=\"calc-unit-10 calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200000\"\/><div class=\"unit\" id=\"calc-unit-10\">$<\/div><small id=\"calc-info-10\">The balance you want left when the balloon comes due; the required payment is solved for it.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4148\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Balloon Loan Results<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Monthly payment<\/span><span class=\"result-term\">P&I<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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>Balloon payment<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Total interest until the balloon<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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>Total paid (payments + balloon)<\/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 is-column\" id=\"output-5\"><span class=\"field-title\"><span>Payment and Balloon Summary<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-6\"><span class=\"field-title\"><span>Schedule to the Balloon Date<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"4148\" 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>Balon kredisi 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\\[ pmt = P \\cdot \\frac{r(1+r)^{N}}{(1+r)^{N}-1} \\\\[6pt] B = P(1+r)^{n} - pmt \\cdot \\frac{(1+r)^{n}-1}{r} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Form\u00fcldeki harfler:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 kredi tutar\u0131 (bor\u00e7 al\u0131nan anapara)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131: y\u0131ll\u0131k faiz oran\u0131 \u00f7 12<\/li>\n<li>\\(N\\) \u2014 amortisman s\u00fcresi, ay cinsinden (30 y\u0131l = 360)<\/li>\n<li>\\(n\\) \u2014 balon vadesi dolana kadar yap\u0131lan ayl\u0131k \u00f6deme say\u0131s\u0131 (7 y\u0131l = 84)<\/li>\n<li>\\(pmt\\) \u2014 anapara ve faizi kapsayan ayl\u0131k \u00f6deme<\/li>\n<li>\\(B\\) \u2014 balon \u00f6demesi: \\(n\\). ayda h\u00e2l\u00e2 kalan bakiye<\/li>\n<\/ul>\n<p>\u0130lk form\u00fcl, kredi t\u00fcm \\(N\\) ay boyunca devam edecekmi\u015f gibi hesaplanan standart amortismanl\u0131 \u00f6demedir. \u0130kinci form\u00fcl ise anaparay\u0131 \\(n\\) ay boyunca bile\u015fik faizle ilerletir, yapt\u0131\u011f\u0131n\u0131z \u00f6demeleri bunlar\u0131n i\u015fled\u011fi faizle birlikte d\u00fc\u015fer ve kalan tutar, d\u00f6nem sonunda \u00f6denecek balondur. Yaln\u0131zca faiz \u00f6demeli kredilerde \\(pmt = P \\cdot r\\) olur ve balon, kredinin ba\u015flang\u0131\u00e7taki tutar\u0131na e\u015fit \u00e7\u0131kar.<\/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>Balon kredisi \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> %6,5 y\u0131ll\u0131k faizli 300.000 $ tutar\u0131nda bir balon kredisi; \u00f6demeler 30 y\u0131l (360 ay) \u00fczerinden amortismanlu hesaplanm\u0131\u015f ve balon 7 y\u0131l (84 ay) sonunda vadesi dolacak.<\/p>\n<p>\\[ r = \\frac{0.065}{12} = 0.0054167 \\]<\/p>\n<p>\\[ pmt = 300000 \\cdot \\frac{0.0054167(1.0054167)^{360}}{(1.0054167)^{360}-1} \\approx 1896.20 \\]<\/p>\n<p>\\[ B = 300000(1.0054167)^{84} - 1896.20 \\cdot \\frac{(1.0054167)^{84}-1}{0.0054167} \\approx 271249 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> yakla\u015f\u0131k 1.896,20 $ ayl\u0131k \u00f6deme ve 84. ayl\u0131k \u00f6deme sonras\u0131nda \u00f6denecek yakla\u015f\u0131k 271.249 $ balon \u00f6demesi \u2014 yani kredi tutar\u0131n\u0131n kabaca %90'\u0131. Bu noktaya kadar biriken toplam faiz yakla\u015f\u0131k 130.530 $, balon dahil toplam \u00f6deme ise yakla\u015f\u0131k 430.530 $. Bu say\u0131lar\u0131n tamam\u0131n\u0131, hesaplama arac\u0131n\u0131n varsay\u0131lan de\u011ferleriyle yeniden \u00fcretebilirsiniz.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama arac\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Bir <strong>mod<\/strong> se\u00e7in: \"\u00d6demeyi ve balonu hesapla\", ikisini de kredi ko\u015fullar\u0131n\u0131zdan hesaplar; \"Hedef balon i\u00e7in \u00f6demeyi bul\" ise, istedi\u011finiz balon tutar\u0131ndan geriye do\u011fru \u00e7al\u0131\u015f\u0131r.<\/li>\n<li><strong>Kredi tutar\u0131n\u0131<\/strong> (anaparay\u0131) ve <strong>faiz oran\u0131n\u0131 (y\u0131ll\u0131k)<\/strong> girin.<\/li>\n<li><strong>Amortisman s\u00fcresini<\/strong> doldurun \u2014 \u00f6deme, kredi bu s\u00fcre i\u00e7inde tamamen kapanm\u0131\u015f gibi hesaplan\u0131r (30\/15 yap\u0131s\u0131nda 30 kullan\u0131l\u0131r) \u2014 ve <strong>balonun ka\u00e7 y\u0131l sonra<\/strong> vadesinin dolaca\u011f\u0131n\u0131 girin; 0,25 y\u0131l, 3 ay demektir.<\/li>\n<li>Bir <strong>\u00f6deme yap\u0131s\u0131<\/strong> se\u00e7in: tam amortismanl\u0131, yaln\u0131zca faiz \u00f6demeli ya da kendinizin belirledi\u011fi sabit ayl\u0131k \u00f6deme. \"Sabit ayl\u0131k \u00f6deme\"yi se\u00e7erseniz, a\u00e7\u0131lan alana tutar\u0131 girin.<\/li>\n<li>Ters modda, <strong>istedi\u011finiz balon tutar\u0131n\u0131<\/strong> girin; hesaplama arac\u0131, tam olarak o bakiyeyi b\u0131rakan ayl\u0131k \u00f6demeyi bulur.<\/li>\n<li><strong>Ayl\u0131k \u00f6deme<\/strong>, <strong>balon \u00f6demesi<\/strong>, <strong>balona kadar \u00f6denen toplam faiz<\/strong> ve <strong>toplam \u00f6deme<\/strong> de\u011ferlerini okuyun; ayr\u0131ca her y\u0131l \u00f6denen anapara ve faizi ile y\u0131l sonu bakiyesini g\u00f6steren y\u0131ll\u0131k bir \u00f6deme plan\u0131 da al\u0131rs\u0131n\u0131z.<\/li>\n<\/ol>\n<h2>Balon kredisi nedir ve sonuca nas\u0131l bak\u0131l\u0131r?<\/h2>\n<p>Balon kredisinde \u00f6demeler, kredi on y\u0131llar boyunca s\u00fcrecekmi\u015f gibi hesaplan\u0131r ve k\u00fc\u00e7\u00fck kal\u0131r; ancak b\u00fcy\u00fck bir toplu tutar \u2014 balon \u2014 \u00e7ok daha erken vadesini doldurur. Klasik konut \u00f6rne\u011fi \"30\/15\" ipotek kredisidir: \u00f6demeler 30 y\u0131ll\u0131k takvime g\u00f6re yap\u0131l\u0131r, kalan bakiye 15 y\u0131l sonra \u00f6denir. Az \u00f6nce hesaplad\u0131\u011f\u0131n\u0131z yap\u0131 \u2014 30 y\u0131ll\u0131k \u00f6demeler ve 7 y\u0131ll\u0131k balon \u2014 ayn\u0131 \u015fekilde \u00e7al\u0131\u015f\u0131r. Balonlu vadeler, ticari ipotek kredilerinde, in\u015faat kredilerinde ve baz\u0131 otomobil ile ihtiya\u00e7 kredilerinde de yayg\u0131nd\u0131r.<\/p>\n<p>Bor\u00e7lular balon kredisini d\u00fc\u015f\u00fck ayl\u0131k \u00f6deme y\u00fcz\u00fcnden se\u00e7er. Yukar\u0131daki \u00f6rnekte erken \u00f6demelerin yakla\u015f\u0131k %86's\u0131 yaln\u0131zca faizdir ve geriye kalan balon, anaparan\u0131n kabaca %90'\u0131d\u0131r. Bu normaldir: uzun bir amortisman\u0131n ilk y\u0131llar\u0131nda anaparaya neredeyse hi\u00e7bir \u015fey gitmez, bakiye therefore pek az azal\u0131r. Nakit ak\u0131\u015f\u0131n\u0131z bug\u00fcn darsa ama m\u00fclk\u00fc satmay\u0131, krediyi yeniden finanse etmeyi (refinansman) ya da ileride daha y\u00fcksek gelir elde etmeyi d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, bu takas yapmaya de\u011fer olabilir.<\/p>\n<p>Risk, balonun kendisinde yo\u011funla\u015f\u0131r. Vadesi geldi\u011finde bu tutar\u0131 nakit olarak \u00f6demeniz, kalan bakiyeyi yeniden finanse etmeniz ya da varl\u0131\u011f\u0131 satman\u0131z gerekir \u2014 ve bu se\u00e7eneklerden hi\u00e7birinin tam o g\u00fcn, istedi\u011finiz oranla ya da ihtiyac\u0131n\u0131z olan fiyatta \u00f6n\u00fcn\u00fczde olaca\u011f\u0131 garanti de\u011fildir. Balonun kredi tutar\u0131na oranla b\u00fcy\u00fcmesi, riskin azald\u0131\u011f\u0131 de\u011fil, sadece ertelendi\u011fi anlam\u0131na gelir.<\/p>\n<p>Plan\u0131n okunmas\u0131: her sat\u0131r, o y\u0131l\u0131n \u00f6demelerinin bakiyeyi ger\u00e7ekte ne kadar d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fcn\u00fc g\u00f6sterir. \u00d6deme ayl\u0131k faizin alt\u0131na ayarlanm\u0131\u015fsa (\"Sabit ayl\u0131k \u00f6deme\" se\u00e7ene\u011fiyle kolayca yap\u0131l\u0131r), bakiye her ay b\u00fcy\u00fcr \u2014 negatif amortisman \u2014 ve hesaplama arac\u0131 sizi uyar\u0131r. Yaln\u0131zca faiz \u00f6demeleri bakiyeyi sabit tutar, bu y\u00fczden balon her zaman ba\u015flang\u0131\u00e7taki kredi tutar\u0131na e\u015fit olur. \u00d6demeniz, krediyi balon tarihinden \u00f6nce kapatacak kadar b\u00fcy\u00fckse plan bunu belirtir \u2014 ortada balon kalmaz.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rl\u0131l\u0131klar ve pratik \u00f6neriler<\/h2>\n<ul>\n<li><strong>Ayl\u0131k bile\u015fik faiz<\/strong>, girilen y\u0131ll\u0131k orana g\u00f6re uygulan\u0131r; ayda bir \u00f6deme, hep ayn\u0131 g\u00fcnde, ek \u00f6deme ve masraf yok. Vergiler, sigorta ve kapan\u0131\u015f masraflar\u0131 dahil de\u011fildir; bu y\u00fczden ger\u00e7ek ipotek \u00f6demesi burada g\u00f6sterilen anapara+faizden y\u00fcksek olacakt\u0131r.<\/li>\n<li><strong>BAalon, son d\u00fczenli \u00f6demeden sonra kalan anapara bakiyesi olarak verilir.<\/strong> Baz\u0131 kredi verenler balonu son planl\u0131 \u00f6demeyle birlikte bildirir ya da tek bir kapan\u0131\u015f tutar\u0131na dahil eder \u2014 kredi vereninizin balonu nas\u0131l tan\u0131mlad\u0131\u011f\u0131n\u0131 mutlaka teyit edin.<\/li>\n<li><strong>\u00c7\u0131k\u0131\u015f plan\u0131n\u0131z\u0131 erken yap\u0131n.<\/strong> Stratejiniz refinansmansa, balon tarihinden birka\u00e7 ay \u00f6nce i\u015flemeye ba\u015flay\u0131n ve tam amortismanl\u0131 bir kredinin \u00f6demesinin <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7-gelir oran\u0131<\/a>n\u0131za s\u0131\u011f\u0131p s\u0131\u011fmad\u0131\u011f\u0131n\u0131 kontrol edin \u2014 kredi verenler bunu mutlaka kontrol edecektir.<\/li>\n<li><strong>\u00d6zkayna\u011f\u0131n\u0131z g\u00fcvenlik a\u011f\u0131n\u0131zd\u0131r.<\/strong> M\u00fclk\u00fcn de\u011feri ile balon aras\u0131ndaki fark, refinansman\u0131n \u00fcberhaupt m\u00fcmk\u00fcn olup olmad\u0131\u011f\u0131n\u0131 belirler; <a href=\"https:\/\/wpcalc.com\/en\/finance\/home-equity-calculator\/\">ev \u00f6zkayna\u011f\u0131 hesaplamas\u0131<\/a> nerede durdu\u011funuzu g\u00f6sterir. Ayr\u0131ca refinansman\u0131n yeniden <a href=\"https:\/\/wpcalc.com\/en\/finance\/closing-cost-calculator\/\">kapan\u0131\u015f masraflar\u0131<\/a> getirdi\u011fini unutmay\u0131n.<\/li>\n<li><strong>Balonu kas\u0131tl\u0131 olarak k\u00fc\u00e7\u00fclt\u00fcn.<\/strong> Ek anapara \u00f6demeleri, balon vadesi boyunca sizin lehinize bile\u015fik bi\u00e7imde birikir. Bunlar\u0131n etkisini <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">ipotek erken kapatma hesaplama arac\u0131yla<\/a> modelleyin; ayda m\u00fctevaz\u0131 bir ek tutar\u0131n balondan ne kadar g\u00f6t\u00fcrd\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcn.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Balon \u00f6demeli bir kredinin ayl\u0131k \u00f6demesini ve vade sonunda \u00f6denecek toplu balon tutar\u0131n\u0131 hesaplar. Kredi tutar\u0131n\u0131, faiz oran\u0131n\u0131, amortisman s\u00fcresini ve balon vadesini girin \u2014 ya da se\u00e7ti\u011finiz bir balon tutar\u0131na ula\u015fmak i\u00e7in gereken \u00f6demeyi geriye do\u011fru hesaplat\u0131n.<\/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-4148","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\/4148","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=4148"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4148\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}