{"id":4154,"date":"2026-10-21T10:30:35","date_gmt":"2026-10-21T09:30:35","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/ticari-kredi-hesaplama\/"},"modified":"2026-10-21T10:30:35","modified_gmt":"2026-10-21T09:30:35","slug":"ticari-kredi-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ticari-kredi-hesaplama\/","title":{"rendered":"Ticari kredi 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\">\u0130\u015fletme kredisinin \u00f6demesini, maliyetini ve DSCR de\u011ferini tahmin edin<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4154\" data-favorite-title=\"Ticari kredi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ticari-kredi-hesaplama\/\" data-favorite-excerpt=\"Ticari kredinin taksitini, toplam maliyetini ve efektif APR&#039;sini hesaplay\u0131n; amortismanl\u0131 vadeli kredileri ve \u00e7arpan oranl\u0131 esnaf nakit avanslar\u0131n\u0131 kapsar. Tutar\u0131, faiz oran\u0131 ya da \u00e7arpan\u0131, vadeyi ve \u00fccretleri girin; hesaplay\u0131c\u0131 DSCR&#039;nizi de g\u00f6sterir.\" 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\/ticari-kredi-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4154\" data-post=\"4154\"><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\">Kredi tutar\u0131<\/label><input type=\"text\" name=\"kredi_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"100000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">\u00d6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z anapara; dosya masraf\u0131 kapan\u0131\u015fta bu tutardan d\u00fc\u015f\u00fcl\u00fcr.<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Kredi t\u00fcr\u00fc<\/label><div class=\"grid grid-cols-1\"><select id=\"field-2\" name=\"kredi_tr\"><option value=\"amort\" selected>Taksitli kredi (amortismanl\u0131)<\/option><option value=\"factor\">Fakt\u00f6r oranl\u0131 kredi (i\u015fletme avans\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><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Faiz oran\u0131 (APR)<\/label><input type=\"text\" name=\"faiz_oran_apr\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"9.5\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Y\u0131ll\u0131k orand\u0131r; yaln\u0131zca taksitli (amortismanl\u0131) kredilerde kullan\u0131l\u0131r.<\/small><\/div><div class=\"field has-term\" id=\"input-4\" hidden><label for=\"field-4\">Fakt\u00f6r oran\u0131<\/label><div class=\"term\">\u00d7<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"faktr_oran\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1.05\" max=\"3\" value=\"1.25\"\/><small id=\"calc-info-4\">Toplam geri \u00f6deme = kredi tutar\u0131 \u00d7 bu fakt\u00f6r. Tipik aral\u0131k 1,1\u20131,5.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Vade<\/label><div class=\"field-group\"><input type=\"text\" name=\"vade\" id=\"field-5\" aria-describedby=\"calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.25\" value=\"5\"\/><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"cinsinden\" aria-label=\"Cinsinden\"><option value=\"yr\" selected>y\u0131l<\/option><option value=\"mo\">ay<\/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-5\">Fakt\u00f6r oranl\u0131 avanslar\u0131n vadesi genellikle yaln\u0131zca 3\u201318 ayd\u0131r.<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-7\">\u00d6deme s\u0131kl\u0131\u011f\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-7\" name=\"deme_skl\"><option value=\"12\" selected>Ayl\u0131k<\/option><option value=\"26\">\u0130ki haftada bir<\/option><option value=\"52\">Haftal\u0131k<\/option><option value=\"260\">G\u00fcnl\u00fck (i\u015f g\u00fcnleri)<\/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-7\"><label for=\"field-8\">Dosya masraf\u0131<\/label><input type=\"text\" name=\"dosya_masraf\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"15\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-8\">tutar\u0131n %&#039;si<\/div><small id=\"calc-info-8\">Kapan\u0131\u015fta \u00f6denen tutardan kesilen tek seferlik \u00fccret.<\/small><\/div><div class=\"is-single field\" id=\"input-8\"><span class=\"font-semibold\">Bor\u00e7 servis kapsama oran\u0131 (iste\u011fe ba\u011fl\u0131)<\/span><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-10\">Y\u0131ll\u0131k net i\u015fletme geliri<\/label><input type=\"text\" name=\"yllk_net_iletme_geliri\" id=\"field-10\" aria-describedby=\"calc-unit-10 calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"40000\"\/><div class=\"unit\" id=\"calc-unit-10\">$\/y\u0131l<\/div><small id=\"calc-info-10\">\u0130\u015fletme giderleri d\u00fc\u015f\u00fcld\u00fckten sonra, bor\u00e7 \u00f6demelerinden \u00f6nceki i\u015fletme geliri. DSCR&#039;yi atlamak i\u00e7in 0 girin.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4154\">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> \u0130\u015fletme kredisi sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>D\u00f6nem ba\u015f\u0131na \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>\u00d6deme say\u0131s\u0131<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Toplam geri \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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>Toplam fon maliyeti<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Efektif APR (masraf dahil)<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>Y\u0131ll\u0131k bor\u00e7 servis tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>DSCR (NO\u0130 \u00f7 bor\u00e7 servis)<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"\u00d7\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-8\"><span class=\"field-title\"><span>Kredi maliyet ayr\u0131nt\u0131lar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"4154\" 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>Ticari kredi 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 = \\frac{L \\cdot r}{1 - (1 + r)^{-n}}, \\quad r = \\frac{APR}{m} \\\\ R = L \\cdot k \\\\ DSCR = \\frac{NOI}{P \\cdot m} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 d\u00f6nem ba\u015f\u0131na taksit<\/li>\n<li>\\(L\\) \u2014 kredi tutar\u0131 (anapara)<\/li>\n<li>\\(r\\) \u2014 d\u00f6nem ba\u015f\u0131na faiz oran\u0131<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme say\u0131s\u0131<\/li>\n<li>\\(m\\) \u2014 y\u0131ll\u0131k \u00f6deme say\u0131s\u0131 (12, 26, 52 veya 260)<\/li>\n<li>\\(R\\) \u2014 \u00e7arpan oranl\u0131 kredinin toplam geri \u00f6demesi<\/li>\n<li>\\(k\\) \u2014 \u00e7arpan oran\u0131 (\u00f6rn. 1,25 \u00d7)<\/li>\n<li>\\(DSCR\\) \u2014 bor\u00e7 servis kar\u015f\u0131lama oran\u0131<\/li>\n<li>\\(NOI\\) \u2014 y\u0131ll\u0131k net i\u015fletme geliri<\/li>\n<\/ul>\n<p>\u0130lk form\u00fcl, amortismanl\u0131 vadeli kredi i\u00e7in standart an\u00fcite taksitini hesaplar. \u0130kinci form\u00fcl, hi\u00e7 faiz oran\u0131 uygulamay\u0131p anapara \u00fczerine bir \u00e7arpan uygulayan esnaf nakit avans\u0131n\u0131n (merchant cash advance) sabit toplam geri \u00f6demesini verir. \u00dc\u00e7\u00fcnc\u00fcs\u00fc ise i\u015fletmenin gelirinin y\u0131ll\u0131k bor\u00e7 \u00f6demelerini hangi \u00f6l\u00e7\u00fcde rahat\u00e7a kar\u015f\u0131lad\u0131\u011f\u0131n\u0131 g\u00f6sterir.<\/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>Ticari kredi \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir i\u015fletme, ayl\u0131k taksitli, %2 kurulu\u015f \u00fccretli ve %9,5 APR'li, 5 y\u0131l (60 ay) vadeli 100.000 $ tutar\u0131nda amortismanl\u0131 vadeli kredi al\u0131yor; y\u0131ll\u0131k net i\u015fletme geliri 40.000 $.<\/p>\n<p>\\[ r = \\frac{0.095}{12} = 0.0079167 \\]<br \/>\n\\[ P = \\frac{100000 \\times 0.0079167}{1 - (1 + 0.0079167)^{-60}} = 2{,}100.19 \\]<br \/>\n\\[ \\text{Toplam geri \u00f6deme} = 2{,}100.19 \\times 60 = 126{,}011.40 \\]<br \/>\n\\[ DSCR = \\frac{40{,}000}{2{,}100.19 \\times 12} = 1.59 \\]\n<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k taksit 2.100,19 $, toplam geri \u00f6deme 126.011,40 $, fonlar\u0131n toplam maliyeti ise 26.011,40 $ oldu. %2'lik \u00fccret (2.000 $) net tahsilat\u0131 98.000 $'a indirdi\u011fi i\u00e7in efektif APR yakla\u015f\u0131k %10,37 \u00e7\u0131k\u0131yor. Y\u0131ll\u0131k bor\u00e7 servisi 25.202,28 $ olup DSCR 1,59 \u2014 ticari kredi veren kurulu\u015flar\u0131n \u00e7o\u011funun arad\u0131\u011f\u0131 1,25'in rahat\u00e7a \u00fczerinde.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131y\u0131 nas\u0131l kullan\u0131rs\u0131n\u0131z?<\/h2>\n<ol>\n<li><strong>Kredi tutar\u0131n\u0131<\/strong> girin \u2014 kredi sa\u011flay\u0131c\u0131s\u0131n\u0131n kurulu\u015f \u00fccreti d\u00fc\u015f\u00fclmeden \u00f6nce sizin hesab\u0131n\u0131za aktard\u0131\u011f\u0131 anapara.<\/li>\n<li><strong>Kredi t\u00fcr\u00fcn\u00fc<\/strong> se\u00e7in: \"Amortismanl\u0131 vadeli kredi\" ya da \"\u00c7arpan oranl\u0131 kredi (esnaf avans\u0131)\". Giri\u015f alanlar\u0131, <strong>Faiz oran\u0131 (APR)<\/strong> ile <strong>\u00e7arpan oran\u0131<\/strong> aras\u0131nda otomatik olarak de\u011fi\u015fir.<\/li>\n<li>Vadeli kredi i\u00e7in <strong>Faiz oran\u0131n\u0131 (APR)<\/strong>; esnaf avans\u0131 i\u00e7in <strong>\u00e7arpan oran\u0131n\u0131<\/strong> (genellikle 1,1\u20131,5) girin.<\/li>\n<li><strong>Vadeyi<\/strong> \"Olarak\" se\u00e7icisiyle y\u0131l veya ay cinsinden belirleyin. \u00c7arpan oranl\u0131 avanslar genellikle yaln\u0131zca 3\u201318 ay s\u00fcrer.<\/li>\n<li><strong>\u00d6deme s\u0131kl\u0131\u011f\u0131n\u0131<\/strong> se\u00e7in: ayl\u0131k, iki haftada bir, haftal\u0131k ya da i\u015f g\u00fcnlerinde g\u00fcnl\u00fck (y\u0131lda 260 i\u015f g\u00fcn\u00fc esnaf nakit avanslar\u0131ndaki standart uygulama).<\/li>\n<li><strong>Kurulu\u015f \u00fccretini<\/strong> kredi tutar\u0131n\u0131n y\u00fczdesi olarak girin.<\/li>\n<li>\u0130ste\u011fe ba\u011fl\u0131 olarak <strong>y\u0131ll\u0131k net i\u015fletme gelirinizi<\/strong> girin \u2014 i\u015fletme giderleri d\u00fc\u015f\u00fclm\u00fc\u015f fakat bor\u00e7 \u00f6demeleri hen\u00fcz d\u00fc\u015f\u00fclmemi\u015f gelir. DSCR'yi atlamak isterseniz 0 girin.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: d\u00f6nem ba\u015f\u0131na taksit, \u00f6deme say\u0131s\u0131, toplam geri \u00f6deme, fonlar\u0131n toplam maliyeti, \u00fccret d\u00e2hil efektif APR, y\u0131ll\u0131k bor\u00e7 servisi ve DSCR \u2014 ayr\u0131ca vadeli kredilerde y\u0131l bazl\u0131 amortisman \u00e7izelgesi, \u00e7arpan oranl\u0131 kredilerde kalem kalem maliyet d\u00f6k\u00fcm\u00fc.<\/li>\n<\/ol>\n<h2>Ticari kredi hesaplay\u0131c\u0131s\u0131 neyi g\u00f6sterir?<\/h2>\n<p>Ticari kredi hesaplay\u0131c\u0131s\u0131, kredi sa\u011flay\u0131c\u0131s\u0131n\u0131n verdi\u011fi teklif \u015fartlar\u0131n\u0131 nakit ak\u0131\u015f\u0131n\u0131z i\u00e7in ger\u00e7ekten \u00f6nemli olan rakamlara d\u00f6n\u00fc\u015ft\u00fcr\u00fcr: her d\u00f6nem hesab\u0131n\u0131zdan ne kadar para \u00e7\u0131k\u0131yor, toplamda ne kadar geri \u00f6d\u00fcyorsunuz ve masraflar d\u00e2hil edildi\u011finde paran\u0131n ger\u00e7ek maliyeti ne oluyor. Faiz oran\u0131, vade veya \u00fccretlerdeki k\u00fc\u00e7\u00fck farklar kredinin \u00f6mr\u00fc boyunca b\u00fcy\u00fck farklara d\u00f6n\u00fc\u015f\u00fcr; bu y\u00fczden imza atmadan \u00f6nce birka\u00e7 senaryo hesaplamak, yapabilece\u011finiz en ucuz \u00f6n ara\u015ft\u0131rmalardan biridir.<\/p>\n<p>Hesaplay\u0131c\u0131, ticari kredilendirmede en yayg\u0131n iki yap\u0131y\u0131 ele al\u0131r. <strong>Amortismanl\u0131 vadeli kredi<\/strong> kalan bakiye \u00fczerinden faiz i\u015fletir ve her taksit hem faizi hem anaparay\u0131 i\u00e7erdi\u011finden kredi tam olarak vadenin sonunda s\u0131f\u0131ra iner. <strong>\u00c7arpan oranl\u0131 kredi<\/strong> \u2014 esnaf nakit avanslar\u0131nda kullan\u0131lan yap\u0131 \u2014 hi\u00e7 faiz oran\u0131 uygulanmaz; bunun yerine kredi tutar\u0131n\u0131n \u00e7arpan oran\u0131yla \u00e7arp\u0131m\u0131na e\u015fit sabit bir toplam\u0131, vadeye e\u015fit yayarak geri \u00f6dersiniz. \u00c7arpan oranlar\u0131 yan\u0131lt\u0131c\u0131 bi\u00e7imde k\u00fc\u00e7\u00fck g\u00f6r\u00fcn\u00fcr (1,25 \u00d7 \"y\u00fczde 25\" gibi duyulur), ancak e\u015fde\u011fer APR vadenin ne kadar k\u0131sa oldu\u011funa b\u00fcy\u00fck \u00f6l\u00e7\u00fcde ba\u011fl\u0131d\u0131r: ayn\u0131 1,25 \u00e7arpan\u0131 6 ayda, 24 aya g\u00f6re \u00e7arp\u0131c\u0131 bi\u00e7imde daha pahal\u0131d\u0131r; k\u0131sa vadeli avanslar\u0131n efektif APR'si \u00e7o\u011funlukla %60 ile %200 aras\u0131nda \u00e7\u0131kar.<\/p>\n<p><strong>\u00dccret d\u00e2hil efektif APR<\/strong>, g\u00f6sterilen en d\u00fcr\u00fcst maliyet \u00f6l\u00e7\u00fct\u00fcd\u00fcr. Kurulu\u015f \u00fccreti, kapan\u0131\u015fta ger\u00e7ekte elinize ge\u00e7en nakdi azalt\u0131r; hesaplay\u0131c\u0131 bu y\u00fczden net tahsilat\u0131 \u00f6deme ak\u0131\u015f\u0131na e\u015fitleyen oran\u0131 \u00e7\u00f6zerek bulur. B\u00f6ylece %2 \u00fccretli %9,5'lik bir krediyi, \u00fccretsiz %10'luk bir krediyle e\u015fit ko\u015fullarda kar\u015f\u0131la\u015ft\u0131rabilirsiniz.<\/p>\n<p><strong>DSCR (bor\u00e7 servis kar\u015f\u0131lama oran\u0131)<\/strong>, i\u015fletmenin krediyi kald\u0131r\u0131p kald\u0131ramayaca\u011f\u0131n\u0131 \u00f6l\u00e7er: y\u0131ll\u0131k net i\u015fletme geliri b\u00f6l\u00fc y\u0131ll\u0131k bor\u00e7 \u00f6demeleri. 1,59'luk DSCR, i\u015fletmenin her 1 $ bor\u00e7 servisi ba\u015f\u0131na 1,59 $ gelir kazand\u0131\u011f\u0131 anlam\u0131na gelir. Ticari kredi veren kurulu\u015flar\u0131n \u00e7o\u011fu en az 1,25 ister; 1,0'\u0131n alt\u0131nda ise i\u015fletme \u00f6demelerini operasyonlar\u0131ndan hi\u00e7 kar\u015f\u0131layamaz. DSCR'niz d\u00fc\u015f\u00fckse, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-karsilama-orani\/\">bor\u00e7 servis kar\u015f\u0131lama oran\u0131 hesaplay\u0131c\u0131m\u0131z<\/a> bu \u00f6l\u00e7\u00fct\u00fc daha ayr\u0131nt\u0131l\u0131 inceler.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve pratik ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li>\u00d6demelerin e\u015fit taksitli oldu\u011fu ve hi\u00e7 aksat\u0131lmad\u0131\u011f\u0131 varsay\u0131l\u0131r. Ger\u00e7ek ticari kredilerde de\u011fi\u015fken faiz, sezonluk d\u00fczenlemeler, erken \u00f6deme cezas\u0131 ya da balon \u00f6demesi olabilir; bunlar\u0131n hi\u00e7biri burada modellenmemi\u015ftir.<\/li>\n<li>Amortismanl\u0131 kredilerde verilen APR, \u00f6deme s\u0131kl\u0131\u011f\u0131na b\u00f6l\u00fcnen nominal y\u0131ll\u0131k orand\u0131r; APY'ye bile\u015fiklenmez. Getirileri e\u015fde\u011fer ko\u015fullarda kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yillik-yuzde-getiri\/\">y\u0131ll\u0131k getiri oran\u0131 (APY) hesaplay\u0131c\u0131s\u0131na<\/a> bak\u0131n.<\/li>\n<li>G\u00fcnl\u00fck \u00f6demelerde y\u0131lda 260 i\u015f g\u00fcn\u00fc kullan\u0131l\u0131r; bu, esnaf nakit avanslar\u0131ndaki standart uygulamad\u0131r. \"\u0130ki haftada bir\" se\u00e7ene\u011fi y\u0131lda 26 \u00f6deme \u2014 fiilen 13 ayl\u0131k \u00f6deme \u2014 demektir ve ayn\u0131 belirtilen faizle krediyi ayl\u0131k \u00f6demeye g\u00f6re daha h\u0131zl\u0131 eritir.<\/li>\n<li>Net i\u015fletme geliri, bor\u00e7 \u00f6demelerinden <em>\u00f6nceki<\/em>, ancak t\u00fcm i\u015fletme giderleri <em>sonras\u0131ndaki<\/em> tutar olmal\u0131d\u0131r. \u0130\u00e7ine sahip maa\u015flar\u0131n\u0131 ya da mevcut kredi \u00f6demelerini katarsan\u0131z DSCR bozulur.<\/li>\n<li>Kredi verenler kurulu\u015f \u00fccretini net tahsilat \u00fczerinden de\u011fil, kredi tutar\u0131 \u00fczerinden hesaplar \u2014 teklifleri kar\u015f\u0131la\u015ft\u0131r\u0131rken ger\u00e7ek bir maliyet fark\u0131d\u0131r. Di\u011fer t\u00fcrden kapan\u0131\u015f masraflar\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/en\/finance\/closing-cost-calculator\/\">kapan\u0131\u015f maliyeti hesaplay\u0131c\u0131s\u0131yla<\/a> tahmin edebilirsiniz.<\/li>\n<li>\u00c7arpan oranl\u0131 kredilerde erken \u00f6deme tasarrufu neredeyse hi\u00e7 olmaz: toplam geri \u00f6deme, ne kadar h\u0131zl\u0131 \u00f6dedi\u011finizden ba\u011f\u0131ms\u0131z olarak sabittir. Erken \u00f6demeyi d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z amortismanl\u0131 vadeli kredi genellikle \u00e7ok daha ucuzdur.<\/li>\n<\/ul>\n<h2>Kredi tekliflerini kar\u015f\u0131la\u015ft\u0131rmak<\/h2>\n<p>Ticari kredi ararken teklifleri, \u00e7arp\u0131c\u0131 ana oran ya da \u00e7arpan orana g\u00f6re de\u011fil; t\u00fcm masraflar d\u00e2hil efektif APR'ye ve gelirinize oranla y\u0131ll\u0131k bor\u00e7 servisine g\u00f6re kar\u015f\u0131la\u015ft\u0131r\u0131n. Ayr\u0131ca ayr\u0131 bir bireysel krediyi d\u00fc\u015f\u00fcn\u00fcyorssan\u0131z, <a href=\"https:\/\/wpcalc.com\/en\/finance\/personal-loan-calculator\/\">bireysel kredi hesaplay\u0131c\u0131s\u0131<\/a> ayn\u0131 \u00f6deme matemati\u011fini kullan\u0131r. Kar\u015f\u0131la\u015ft\u0131rma elmayla elmay\u0131 e\u015flesin diye her teklifi ayn\u0131 \u00f6deme s\u0131kl\u0131\u011f\u0131 ve vadeyle bu hesaplay\u0131c\u0131dan ge\u00e7irin; sonra i\u015fletmenin g\u00f6z \u00f6n\u00fcne ald\u0131\u011f\u0131n\u0131z en k\u00f6t\u00fc ko\u015fullarda bile ayakta kalabilece\u011finden emin olmak i\u00e7in en elveri\u015fsiz teklifin DSCR'sine bak\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ticari kredinin taksitini, toplam maliyetini ve efektif APR'sini hesaplay\u0131n; amortismanl\u0131 vadeli kredileri ve \u00e7arpan oranl\u0131 esnaf nakit avanslar\u0131n\u0131 kapsar. Tutar\u0131, faiz oran\u0131 ya da \u00e7arpan\u0131, vadeyi ve \u00fccretleri girin; hesaplay\u0131c\u0131 DSCR'nizi de g\u00f6sterir.<\/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-4154","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\/4154","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=4154"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4154\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4154"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4154"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}