{"id":4151,"date":"2026-10-21T10:15:24","date_gmt":"2026-10-21T09:15:24","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/tekne-kredisi-hesaplama\/"},"modified":"2026-10-21T10:15:24","modified_gmt":"2026-10-21T09:15:24","slug":"tekne-kredisi-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/tekne-kredisi-hesaplama\/","title":{"rendered":"Tekne Kredisi Hesaplama"},"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\">Tekne kredisi \u00f6demenizi ve sahip olman\u0131n ger\u00e7ek maliyetini hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4151\" data-favorite-title=\"Tekne Kredisi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/tekne-kredisi-hesaplama\/\" data-favorite-excerpt=\"Ayl\u0131k tekne kredisi taksitinizi ve ger\u00e7ek sahiplik maliyetini \u2014 sigorta, bak\u0131m, depolama ve yak\u0131t \u2014 tahmin edin. Ger\u00e7ek ayl\u0131k maliyeti g\u00f6rmek i\u00e7in tekne fiyat\u0131n\u0131, pe\u015finat\u0131, takas de\u011ferini, vergiyi, har\u00e7lar\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve vadeyi girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/tekne-kredisi-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4151\" data-post=\"4151\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Tekne fiyat\u0131<\/label><input type=\"text\" name=\"tekne_fiyat\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"45000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Teknenin motor ve r\u00f6mork dahil sat\u0131n alma bedeli.<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Pe\u015finat<\/label><div class=\"field-group\"><input type=\"text\" name=\"peinat\" id=\"field-2\" aria-describedby=\"calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10\"\/><div class=\"grid grid-cols-1\"><select id=\"field-3\" name=\"giri_tr\" aria-label=\"Giri\u015f t\u00fcr\u00fc\"><option value=\"pct\" selected>Fiyat y\u00fczdesi<\/option><option value=\"usd\">Dolar tutar\u0131<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-2\">Deniz kredisi veren kurumlar genellikle %10\u201320 pe\u015finat ister.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-4\">Takas de\u011feri<\/label><input type=\"text\" name=\"takas_deeri\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">Mevcut tekneniz i\u00e7in tan\u0131nan de\u011fer; sat\u0131n alma bedelinden d\u00fc\u015f\u00fcl\u00fcr.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-5\">Sat\u0131\u015f vergisi<\/label><input type=\"text\" name=\"sat_vergisi\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"20\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><small id=\"calc-info-5\">Fiyaattan takas de\u011feri d\u00fc\u015f\u00fcld\u00fckten sonra hesaplan\u0131r (\u00e7o\u011fu eyalette b\u00f6yledir).<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-6\">Kay\u0131t ve belgelendirme \u00fccretleri<\/label><input type=\"text\" name=\"kayt_ve_belgelendirme_cretleri\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Eyalet kayd\u0131, USCG belgelendirmesi veya tescil \u00fccretleri; krediye eklenir.<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-7\">Faiz oran\u0131 (APR)<\/label><input type=\"text\" name=\"faiz_oran_apr\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"7.5\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><small id=\"calc-info-7\">Y\u0131ll\u0131k oran \u2014 genellikle benzer ta\u015f\u0131t kredilerinden en az \u00e7eyrek puan y\u00fcksektir.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-8\">Kredi vadesi (y\u0131l)<\/label><input type=\"text\" name=\"kredi_vadesi_yl\" id=\"field-8\" aria-describedby=\"calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"20\" value=\"15\"\/><small id=\"calc-info-8\">Deniz kredisi veren kurumlar genellikle 10\u201320 y\u0131l sunar; vade uzad\u0131k\u00e7a oranlar y\u00fckselir.<\/small><\/div><div class=\"is-single field\" id=\"input-8\"><span class=\"font-semibold\">Y\u0131ll\u0131k sahiplik maliyetleri (tahminleri d\u00fczenleyin)<\/span><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-10\">Tekne sigortas\u0131<\/label><input type=\"text\" name=\"tekne_sigortas\" id=\"field-10\" aria-describedby=\"calc-unit-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"10\" value=\"1.5\"\/><div class=\"unit\" id=\"calc-unit-10\">% \/ y\u0131l (fiyat \u00fczerinden)<\/div><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-11\">Bak\u0131m ve onar\u0131m<\/label><input type=\"text\" name=\"bakm_ve_onarm\" id=\"field-11\" aria-describedby=\"calc-unit-11 calc-info-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"30\" value=\"10\"\/><div class=\"unit\" id=\"calc-unit-11\">% \/ y\u0131l (fiyat \u00fczerinden)<\/div><small id=\"calc-info-11\">Klasik pratik kural: her y\u0131l teknenin de\u011ferinin yakla\u015f\u0131k %10&#039;u.<\/small><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-12\">Depolama \/ marinada ba\u011flama \u00fccreti<\/label><input type=\"text\" name=\"depolama_marinada_balama_creti\" id=\"field-12\" aria-describedby=\"calc-unit-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-12\">$ \/ y\u0131l<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-13\">Yak\u0131t<\/label><input type=\"text\" name=\"yakt\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2000\"\/><div class=\"unit\" id=\"calc-unit-13\">$ \/ y\u0131l<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4151\">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> Tekne kredisi sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Finanse edilen tutar<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Ayl\u0131k \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Toplam faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Sat\u0131n alman\u0131n toplam maliyeti<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Sahiplik dahil ger\u00e7ek ayl\u0131k maliyet<\/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>Y\u0131ll\u0131k sahiplik maliyetleri<\/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\u0131llara g\u00f6re amortisman plan\u0131<\/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=\"4151\" 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>Tekne Kredisi Taksit 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\\[ P = \\text{fiyat} - \\text{pe\u015finat} - \\text{takas} + \\text{sat\u0131\u015f vergisi} + \\text{har\u00e7lar}, \\quad \\text{sat\u0131\u015f vergisi} = (\\text{fiyat} - \\text{takas}) \\times t \\\\\nM = \\frac{P \\cdot r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 krediye konu tutar: pe\u015finat ve takas de\u011feri d\u00fc\u015f\u00fcld\u00fckten sonra, sat\u0131\u015f vergisi ve tescil har\u00e7lar\u0131n\u0131n krediye eklendi\u011fi tutar<\/li>\n<li>\\(t\\) \u2014 sat\u0131\u015f vergisi oran\u0131 (\u00e7o\u011fu eyalet vergiyi takas de\u011feri d\u00fc\u015f\u00fclm\u00fc\u015f tutar \u00fczerinden hesaplar)<\/li>\n<li>\\(M\\) \u2014 ayl\u0131k kredi taksiti<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131, \\(r = \\text{YYO} \/ 12\\)<\/li>\n<li>\\(n\\) \u2014 toplam taksit say\u0131s\u0131 (vade y\u0131l\u0131 \u00d7 12)<\/li>\n<\/ul>\n<p>Bu, standart e\u015fit taksitli ve tam amortismanl\u0131 kredi form\u00fcl\u00fcd\u00fcr: her taksit, o ay\u0131n faizini ve kalan borcu son taksitte s\u0131f\u0131ra indirecek kadar anaparay\u0131 kapsar.<\/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>Tekne Kredisi \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 45.000 $ de\u011ferinde bir tekne al\u0131yorsunuz; %10 pe\u015finat, takas yok, %6 sat\u0131\u015f vergisi, 500 $ tescil harc\u0131, %7,5 y\u0131ll\u0131k faiz oran\u0131 (YYO) ve 15 y\u0131ll\u0131k vade.<\/p>\n<p>\u00d6nce krediye konu tutar:<\/p>\n<p>\\[ P = 45000 - 4500 - 0 + 0.06 \\times 45000 + 500 = 43700 \\]<\/p>\n<p>\u015eimdi \\(r = 0.075 \/ 12 = 0.00625\\) ve \\(n = 180\\) ay i\u00e7in ayl\u0131k taksit:<\/p>\n<p>\\[ M = \\frac{43700 \\times 0.00625}{1 - (1.00625)^{-180}} \\approx 405.10 \\]<\/p>\n<p>180 taksitte toplam 405,10 \u00d7 180 \u2248 72.918 $ \u00f6dersiniz; bunun 43.700 $'\u0131 anapara oldu\u011fundan toplam faiz yakla\u015f\u0131k 29.218 $ olur ve pe\u015finat\u0131yla birlikte al\u0131m\u0131n maliyeti yakla\u015f\u0131k 77.418 $'a ula\u015f\u0131r.<\/p>\n<p>Sahiplik masraflar\u0131 da yava\u015f yava\u015f birikir: fiyat\u0131n %1,5'i oran\u0131nda sigorta (675 $), %10 oran\u0131nda bak\u0131m (4.500 $), depolama (3.000 $) ve yak\u0131t (2.000 $) y\u0131lda 10.175 $ yapar; ayl\u0131k kar\u015f\u0131l\u0131\u011f\u0131 847,92 $'d\u0131r.<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k kredi taksiti <strong>405,10 $<\/strong>, ger\u00e7ek ayl\u0131k sahiplik maliyeti <strong>1.253,02 $<\/strong>, y\u0131ll\u0131k sahiplik masraflar\u0131 <strong>10.175 $<\/strong>.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Tekne fiyat\u0131n\u0131<\/strong> girin \u2014 motor ve treyle birlikte tam sat\u0131n alma bedeli.<\/li>\n<li><strong>Pe\u015finat\u0131<\/strong> nas\u0131l ifade etmek istedi\u011finizi se\u00e7in (fiyat\u0131n y\u00fczdesi ya da dolar tutar\u0131) ve girin. \u00c7o\u011fu tekne kredisi vereni %10\u201320 pe\u015finat bekler.<\/li>\n<li>Varsa <strong>takas de\u011ferini<\/strong>, eyaletinizdeki <strong>sat\u0131\u015f vergisi<\/strong> oran\u0131n\u0131 ve krediye dahil edilen <strong>tescil ve evrak har\u00e7lar\u0131n\u0131<\/strong> girin.<\/li>\n<li>Kredi vereninizin verdi\u011fi <strong>faiz oran\u0131n\u0131 (YYO)<\/strong> ve tam y\u0131l olarak <strong>vadeyi<\/strong> (1\u201320) girin.<\/li>\n<li>Y\u0131ll\u0131k sahiplik tahminlerini ayarlay\u0131n: <strong>tekne sigortas\u0131<\/strong> ve <strong>bak\u0131m-onar\u0131m<\/strong> fiyat\u0131n y\u00fczdesi olarak, ayr\u0131ca <strong>depolama \/ marin\u4e0d\u4f5c\u4e4b\u65e5<\/strong>...<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Ayl\u0131k tekne kredisi taksitinizi ve ger\u00e7ek sahiplik maliyetini \u2014 sigorta, bak\u0131m, depolama ve yak\u0131t \u2014 tahmin edin. Ger\u00e7ek ayl\u0131k maliyeti g\u00f6rmek i\u00e7in tekne fiyat\u0131n\u0131, pe\u015finat\u0131, takas de\u011ferini, vergiyi, har\u00e7lar\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve vadeyi girin.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[75],"class_list":["post-4151","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\/4151","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=4151"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4151\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}