{"id":4169,"date":"2026-11-02T10:03:23","date_gmt":"2026-11-02T10:03:23","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/fha-kredi-hesaplayici-mip-dahil\/"},"modified":"2026-11-02T10:03:23","modified_gmt":"2026-11-02T10:03:23","slug":"fha-kredi-hesaplayici-mip-dahil","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/fha-kredi-hesaplayici-mip-dahil\/","title":{"rendered":"FHA Kredisi Hesaplay\u0131c\u0131s\u0131 \u2013 MIP Dahil Ayl\u0131k \u00d6deme"},"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\">Mortgage insurance dahil ayl\u0131k FHA \u00f6demenizi tahmin edin<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4169\" data-favorite-title=\"FHA Kredisi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/fha-kredi-hesaplayici-mip-dahil\/\" data-favorite-excerpt=\"FHA kredisinin pe\u015fin ve y\u0131ll\u0131k ipotek sigortas\u0131 primleri (MIP), emlak vergisi, sigorta ve site aidat\u0131 dahil tam ayl\u0131k \u00f6demesini tahmin edin. Ev fiyat\u0131n\u0131, pe\u015finat\u0131, 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\/fha-kredi-hesaplayici-mip-dahil\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4169\" data-post=\"4169\"><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\">Ev fiyat\u0131<\/label><input type=\"text\" name=\"ev_fiyat\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"400000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Evin sat\u0131n alma fiyat\u0131 (bulundu\u011funuz ilin FHA kredi limiti i\u00e7inde olmal\u0131d\u0131r).<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Pe\u015finat<\/label><input type=\"text\" name=\"peinat\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"3.5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">FHA asgari pe\u015finat: kredi notu 580 ve \u00fczerinde ise %3,5, 500\u2013579 aras\u0131 notta ise %10.<\/small><\/div><div class=\"field is-single\" id=\"input-3\"><label for=\"field-3\">Kredi notu aral\u0131\u011f\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-3\" name=\"kredi_notu_aral\"><option value=\"c580\" selected>580 veya \u00fczeri<\/option><option value=\"c500\">500 \u2013 579<\/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-4\"><label for=\"field-4\">Faiz oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" 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 is-single\" id=\"input-5\"><label for=\"field-5\">Kredi vadesi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"kredi_vadesi\"><option value=\"n15\">15 y\u0131l<\/option><option value=\"n30\" selected>30 y\u0131l<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Emlak vergisi<\/label><input type=\"text\" name=\"emlak_vergisi\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"10\" value=\"1.1\"\/><div class=\"unit\" id=\"calc-unit-6\">%\/y\u0131l<\/div><small id=\"calc-info-6\">Y\u0131ll\u0131k emlak vergisinin ev fiyat\u0131na oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Konut sigortas\u0131<\/label><input type=\"text\" name=\"konut_sigortas\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1500\"\/><div class=\"unit\" id=\"calc-unit-7\">$\/y\u0131l<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Site aidat\u0131<\/label><input type=\"text\" name=\"site_aidat\" id=\"field-8\" aria-describedby=\"calc-unit-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-8\">$\/ay<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4169\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> FHA \u00f6deme d\u00f6k\u00fcm\u00fc<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Temel kredi tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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>Pe\u015fin MIP dahil toplam kredi tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Ayl\u0131k anapara ve faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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>Ayl\u0131k M\u0130P<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Ayl\u0131k emlak vergisi<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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>Ayl\u0131k sigorta<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Ayl\u0131k site aidat\u0131<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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-8\"><span class=\"field-title\"><span>Toplam ayl\u0131k \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-8\" 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-9\"><span class=\"field-title\"><span>Toplam \u00f6denen M\u0130P<\/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><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=\"4169\" 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>FHA 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\\[ L = P \\left(1 - \\frac{d}{100}\\right) \\]\n\\[ U = 0.0175 \\, L, \\qquad T = L + U \\]\n\\[ \\text{A\\&amp;F} = \\frac{T \\cdot i}{1 - (1 + i)^{-12n}}, \\qquad i = \\frac{r}{1200} \\]\n\\[ \\text{MIP}_{ay} = \\frac{T \\cdot a}{1200} \\]\n\\[ \\text{Vergi}_{ay} = \\frac{P \\cdot t}{1200}, \\qquad \\text{Sig}_{ay} = \\frac{I}{12} \\]\n\\[ \\text{\u00d6deme} = \\text{A\\&amp;F} + \\text{MIP}_{ay} + \\text{Vergi}_{ay} + \\text{Sig}_{ay} + \\text{HOA} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada semboller \u015fu anlama gelir:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 ev fiyat\u0131 ($)<\/li>\n<li>\\(d\\) \u2014 pe\u015finat oran\u0131 (fiyat\u0131n y\u00fczdesi)<\/li>\n<li>\\(L\\) \u2014 temel kredi tutar\u0131 ($)<\/li>\n<li>\\(U\\) \u2014 pe\u015fin MIP, temel kredinin %1,75'i, genellikle krediye eklenerek finanse edilir ($)<\/li>\n<li>\\(T\\) \u2014 krediye eklenen pe\u015fin MIP dahil toplam kredi tutar\u0131 ($)<\/li>\n<li>\\(r\\) \u2014 y\u0131ll\u0131k faiz oran\u0131 (%)<\/li>\n<li>\\(i\\) \u2014 ondal\u0131k bi\u00e7imde ayl\u0131k faiz oran\u0131<\/li>\n<li>\\(n\\) \u2014 vade, y\u0131l olarak (15 veya 30)<\/li>\n<li>\\(a\\) \u2014 y\u0131ll\u0131k MIP oran\u0131 (%), vadeye ve kredi\/de\u011fer (LTV) oran\u0131na ba\u011fl\u0131d\u0131r<\/li>\n<li>\\(t\\) \u2014 y\u0131ll\u0131k emlak vergisi oran\u0131 (ev fiyat\u0131n\u0131n y\u00fczdesi)<\/li>\n<li>\\(I\\) \u2014 y\u0131ll\u0131k konut sigortas\u0131 primi ($)<\/li>\n<li>\\(\\text{HOA}\\) \u2014 ayl\u0131k site aidat\u0131 ($)<\/li>\n<\/ul>\n<p>Form\u00fcller, toplam kredi tutar\u0131 (temel kredi art\u0131 krediye eklenen pe\u015fin MIP) \u00fczerinden standart amortismanl\u0131 \u00f6demeyi hesaplar; ayl\u0131k toplam \u00f6demeye ula\u015fmak i\u00e7in \u00fczerine ayl\u0131k ipotek sigortas\u0131 primi, emlak vergisi, konut sigortas\u0131 ve site aidat\u0131 eklenir.<\/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>FHA kredisi \u2013 \u00f6rnek hesaplama<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> FHA'n\u0131n asgari %3,5 pe\u015finat\u0131yla (kredi notu 580 ve \u00fczeri) 400.000 dolarl\u0131k bir ev sat\u0131n al\u0131yorsunuz; 30 y\u0131l vadeyle faiz oran\u0131 %6,5, y\u0131ll\u0131k emlak vergisi oran\u0131 %1,1, y\u0131ll\u0131k konut sigortas\u0131 1.500 dolar ve site aidat\u0131 yok.<\/p>\n<p>Temel kredi tutar\u0131:<br \/>\n\\[ L = 400{,}000 \\times (1 - 0.035) = 386{,}000 \\]<\/p>\n<p>Pe\u015fin MIP (%1,75, krediye eklenerek \u00f6denir) ve toplam kredi:<br \/>\n\\[ U = 386{,}000 \\times 0.0175 = 6{,}755, \\qquad T = 386{,}000 + 6{,}755 = 392{,}755 \\]<\/p>\n<p>%6,5 faizle 30 y\u0131l boyunca anapara ve faiz \u00f6demesi:<br \/>\n\\[ \\text{A\\&amp;F} = \\frac{392{,}755 \\times 0.0054167}{1 - (1.0054167)^{-360}} \\approx 2{,}480.53 \\]<\/p>\n<p>Ayl\u0131k MIP (LTV %96,5 oldu\u011fundan, 30 y\u0131ll\u0131k krediside y\u0131ll\u0131k oran %0,55'tir):<br \/>\n\\[ \\text{MIP}_{ay} = \\frac{392{,}755 \\times 0.55}{1200} \\approx 179.95 \\]<\/p>\n<p>Emlak vergisi: \\( 400{,}000 \\times 0.011 \/ 12 = 366.67 \\). Sigorta: \\( 1{,}500 \/ 12 = 125.00 \\).<\/p>\n<p><strong>Sonu\u00e7:<\/strong> toplam ayl\u0131k \u00f6deme \\( \\approx 2{,}480.53 + 179.95 + 366.67 + 125.00 = \\$3{,}152.15 \\). Pe\u015finat %10'un alt\u0131nda oldu\u011fundan ayl\u0131k MIP kredinin t\u00fcm \u00f6mr\u00fc boyunca \u00f6denir; 30 y\u0131lda \u00f6denen toplam MIP yakla\u015f\u0131k \\( 6{,}755 + 179.95 \\times 360 \\approx \\$71{,}536 \\)'d\u0131r.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Ev fiyat\u0131n\u0131<\/strong> girin \u2014 m\u00fclk\u00fcn sat\u0131n alma bedeli. Fiyat\u0131n bulundu\u011funuz il\u00e7enin FHA kredi limitini a\u015fmad\u0131\u011f\u0131ndan emin olun.<\/li>\n<li><strong>Pe\u015finat\u0131n\u0131z\u0131<\/strong> y\u00fczde olarak girin. FHA, 580 ve \u00fczeri kredi notunda en az %3,5; 500\u2013579 aras\u0131 notta ise en az %10 pe\u015finat \u015fart ko\u015far.<\/li>\n<li><strong>Kredi notu aral\u0131\u011f\u0131n\u0131z\u0131<\/strong> se\u00e7in \u2014 hesaplay\u0131c\u0131n\u0131n kabul edece\u011fi asgari pe\u015finat\u0131 bu belirler.<\/li>\n<li>Size teklif edilen <strong>faiz oran\u0131n\u0131<\/strong> y\u00fczde olarak girin (\u00f6rne\u011fin 6,5).<\/li>\n<li>Bir <strong>vade<\/strong> se\u00e7in: 15 veya 30 y\u0131l. Vade, y\u0131ll\u0131k MIP oran\u0131n\u0131 da etkiler.<\/li>\n<li><strong>Emlak vergisi<\/strong> oran\u0131n\u0131 y\u0131l ba\u015f\u0131na ev fiyat\u0131n\u0131n y\u00fczdesi olarak, y\u0131ll\u0131k <strong>konut sigortas\u0131<\/strong> primini dolar cinsinden ve varsa ayl\u0131k <strong>site aidat\u0131n\u0131<\/strong> girin.<\/li>\n<li><strong>FHA \u00f6deme d\u00f6k\u00fcm\u00fcn\u00fc<\/strong> inceleyin: temel kredi tutar\u0131, pe\u015fin MIP dahil toplam kredi, ayl\u0131k anapara ve faiz, ayl\u0131k MIP, vergiler, sigorta, site aidat\u0131 ve toplam ayl\u0131k \u00f6deme; ayr\u0131ca kredi boyunca \u00f6denen toplam MIP'i g\u00f6steren tablo.<\/li>\n<\/ol>\n<h2>FHA kredisi nedir, MIP nedir?<\/h2>\n<p>FHA kredisi, ABD Konut ve Kentsel Kalk\u0131nma Bakanl\u0131\u011f\u0131'n\u0131n (HUD) bir par\u00e7as\u0131 olan Federal Housing Administration taraf\u0131ndan sigortalanan bir ipotek kredisidir. Kredinin bir k\u0131sm\u0131n\u0131 h\u00fck\u00fbmet garanti etti\u011fi i\u00e7in kredi verenler, geleneksel kredilere k\u0131yasla daha d\u00fc\u015f\u00fck kredi notlu ve daha d\u00fc\u015f\u00fck pe\u015finatl\u0131 bor\u00e7lulara onay verebilir. FHA kredilerinin ilk kez ev alacaklar aras\u0131nda bu y\u00fczden bu kadar pop\u00fcler olmas\u0131 bir tesad\u00fcf de\u011fildir.<\/p>\n<p>Bu sigortan\u0131n kar\u015f\u0131l\u0131\u011f\u0131nda bor\u00e7lular \u0130potek Sigortas\u0131 Primi (MIP) \u00f6der; bu primin iki bile\u015feni vard\u0131r. <strong>Pe\u015fin MIP<\/strong>, temel kredi tutar\u0131n\u0131n %1,75'idir ve genellikle pe\u015fin \u00f6denmek yerine krediye eklenir \u2014 hesaplay\u0131c\u0131n\u0131n ayl\u0131k \u00f6demeyi hesaplamadan \u00f6nce bunu bakiyenize eklemesinin nedeni budur. <strong>Y\u0131ll\u0131k MIP<\/strong> ise ayl\u0131k olarak tahsil edilir; oran, vadenize ve kredi\/de\u011fer (LTV)oran\u0131n\u0131za g\u00f6re HUD taraf\u0131ndan belirlenir.<\/p>\n<p>Y\u0131ll\u0131k MIP'yi ne kadar s\u00fcre \u00f6deyece\u011finiz pe\u015finat\u0131n\u0131za ba\u011fl\u0131d\u0131r. Pe\u015finat %10'un alt\u0131ndaysa ayl\u0131k MIP kredinin t\u00fcm \u00f6mr\u00fc boyunca s\u00fcrer; yeniden finansman yapmad\u0131k\u00e7a asla kalkmaz. %10 veya daha fazla pe\u015finatta 11 y\u0131l s\u00fcrer. Hesaplay\u0131c\u0131n\u0131n \u00f6denen toplam MIP'i de g\u00f6stermesinin nedeni budur: d\u00fc\u015f\u00fck pe\u015finatta MIP, krediyi \u00f6dedi\u011finiz s\u00fcre boyunca on binlerce dolara ula\u015fabilir; bu y\u00fczden faiz oran\u0131 kadar b\u00fct\u00e7enizde lay\u0131k oldu\u011fu yeri al\u0131r.<\/p>\n<p>Sonu\u00e7lar\u0131 okurken toplam ayl\u0131k \u00f6demenin, kredi verenin gelirinize kar\u015f\u0131 tartaca\u011f\u0131 tutar oldu\u011funu unutmay\u0131n. Yayg\u0131n bir \u00f6l\u00e7\u00fct, FHA kredisinde toplam konut giderlerinin br\u00fct ayl\u0131k gelirin yakla\u015f\u0131k %31'inin alt\u0131nda kalmas\u0131 gerekti\u011fidir. \u00d6demenizin mali durumunuza uyup uymad\u0131\u011f\u0131n\u0131 g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7-gelir oran\u0131 hesaplay\u0131c\u0131m\u0131zla<\/a> di\u011fer bor\u00e7lar\u0131n\u0131zla birlikte kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve s\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>MIP oranlar\u0131:<\/strong> hesaplay\u0131c\u0131 g\u00fcncel HUD y\u0131ll\u0131k MIP tarifesini kullan\u0131r \u2014 30 y\u0131ll\u0131k kredilerde %0,55 (LTV %95'in \u00fczerinde) veya %0,50 (LTV %95 ve alt\u0131); 15 y\u0131ll\u0131k kredilerde %0,40 (LTV %90'\u0131n \u00fczerinde) veya %0,15 (LTV %90 ve alt\u0131) \u2014 ve bunlara %1,75 pe\u015fin prim eklenir. HUD bu oranlar\u0131 d\u00f6nemsel olarak g\u00fcnceller; bu y\u00fczden say\u0131lara dayanmadan \u00f6nce mutlaka do\u011frulay\u0131n.<\/li>\n<li><strong>Krediye eklenen pe\u015fin MIP:<\/strong> hesaplama, pe\u015fin MIP'i pe\u015fin \u00f6demek yerine krediye ekledi\u011finizi varsayar.<\/li>\n<li><strong>Sabit faiz:<\/strong> \u00f6deme, sabit faizli ve tamamen amortismanl\u0131 bir kredi varsay\u0131m\u0131na dayan\u0131r. FHA'n\u0131n de\u011fi\u015fken faizli kredilerinde \u00f6demeler zamanla de\u011fi\u015fir.<\/li>\n<li><strong>Emanet hesaptaki vergi ve sigorta:<\/strong> FHA kredilerinde emlak vergisi ile konut sigortas\u0131n\u0131n emanet hesapta tutulmas\u0131 zorunludur; bu y\u00fczden ayl\u0131k \u00f6demeye dahil edilmi\u015flerdir. Vergi ve sigorta tahminleri b\u00f6lgeye g\u00f6re de\u011fi\u015fir \u2014 varsay\u0131lan de\u011ferleri kendi m\u00fclk\u00fcn\u00fcz\u00fcn ger\u00e7ek rakamlar\u0131yla de\u011fi\u015ftirin.<\/li>\n<li><strong>Kredi limitleri:<\/strong> FHA kredi limitleri il\u00e7eye g\u00f6re de\u011fi\u015fir ve her y\u0131l g\u00fcncellenir. Ev fiyat\u0131 b\u00f6lgenizin limitini a\u015f\u0131yorsa, o fiyatla FHA kredisi bir se\u00e7enek olmaz.<\/li>\n<li><strong>Kapsam d\u0131\u015f\u0131nda olanlar:<\/strong> kapan\u0131\u015f giderleri, iskonto puanlar\u0131 ve kredi verene ya da \u00fc\u00e7\u00fcnc\u00fc taraflara giden \u00fccretler bu tahmine dahil de\u011fildir.<\/li>\n<\/ul>\n<h2>Pratik \u00f6neriler<\/h2>\n<ul>\n<li>Pe\u015finat\u0131 %3,5'ten %10'a veya \u00fczerine \u00e7\u0131karmak yaln\u0131zca borcunuzu k\u00fc\u00e7\u00fcltmez: ayl\u0131k MIP'i t\u00fcm vade yerine en fazla 11 y\u0131lla s\u0131n\u0131rlar ve 30 y\u0131ll\u0131k bir kredide bu, ciddi bir tasarruf demektir.<\/li>\n<li>Pe\u015finat\u0131 %20'ye \u00e7\u0131karabildi\u011finizde FHA ile geleneksel krediyi kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 %20 \u00f6z kayna\u011fa ula\u015ft\u0131\u011f\u0131n\u0131zda geleneksel kredilerde \u00f6zel ipotek sigortas\u0131 t\u00fcm\u00fcyle kalkar; FHA MIP'inde (d\u00fc\u015f\u00fck pe\u015finatta) ise yeniden finansman yap\u0131lmadan asla kalkmaz.<\/li>\n<li>FHA kredisi, ev sahipli\u011fine giden yollardan yaln\u0131zca biridir. <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kira-mi-alim-hesaplayici\/\">Ev mi kira m\u0131 hesaplay\u0131c\u0131m\u0131z<\/a>, \u015fu an ev alman\u0131n b\u00fct\u00fcn\u00fcze mant\u0131kl\u0131 olup olmad\u0131\u011f\u0131na karar vermenize yard\u0131mc\u0131 olabilir.<\/li>\n<li>Kapan\u0131\u015ftan sonra her ay biraz fazla \u00f6demek krediyi k\u0131salt\u0131r ve toplam faiz y\u00fck\u00fcn\u00fc azalt\u0131r \u2014 ne kadar kazand\u0131rd\u0131\u011f\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">ek \u00f6demeli ipotek bor\u00e7 kapatma hesaplay\u0131c\u0131s\u0131yla<\/a> g\u00f6r\u00fcn.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>FHA kredisinin pe\u015fin ve y\u0131ll\u0131k ipotek sigortas\u0131 primleri (MIP), emlak vergisi, sigorta ve site aidat\u0131 dahil tam ayl\u0131k \u00f6demesini tahmin edin. Ev fiyat\u0131n\u0131, pe\u015finat\u0131, 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-4169","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\/4169","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=4169"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4169\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}