{"id":4177,"date":"2026-11-02T10:12:04","date_gmt":"2026-11-02T10:12:04","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/konut-ozkaynak-hesaplama\/"},"modified":"2026-11-02T10:12:04","modified_gmt":"2026-11-02T10:12:04","slug":"konut-ozkaynak-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/konut-ozkaynak-hesaplama\/","title":{"rendered":"Konut \u00f6zkayna\u011f\u0131 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\">Ev \u00f6zkayna\u011f\u0131n\u0131z\u0131 ve ne kadar kredi \u00e7ekebilece\u011finizi hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4177\" data-favorite-title=\"Konut \u00f6zkayna\u011f\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/konut-ozkaynak-hesaplama\/\" data-favorite-excerpt=\"Evinizdeki \u00f6zkayna\u011f\u0131n\u0131z\u0131 ve kredi kurulu\u015funun size ne kadar bor\u00e7 verebilece\u011fini \u00f6\u011frenin. Evinizin de\u011ferini, kredi bakiyelerinizi ve kredi ko\u015fullar\u0131n\u0131 girin; \u00f6zkayna\u011f\u0131n\u0131z\u0131, CLTV de\u011ferinizi, bor\u00e7lanma g\u00fcc\u00fcn\u00fcz\u00fc ve tahmini ayl\u0131k \u00f6demenizi g\u00f6r\u00fcn.\" 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\/konut-ozkaynak-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4177\" data-post=\"4177\"><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\">Ev ve mevcut bor\u00e7lar<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">G\u00fcncel ev de\u011feri<\/label><input type=\"text\" name=\"gncel_ev_deeri\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"400000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Son ekspertiz de\u011feri veya g\u00fcncel bir piyasa tahmini.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Birinci ipotek bakiyesi<\/label><input type=\"text\" name=\"birinci_ipotek_bakiyesi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"280000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Kalan anapara bakiyesi; kredinin ba\u015flang\u0131\u00e7taki tutar\u0131 de\u011fil.<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u0130kinci ipotek \/ HELOC bakiyesi<\/label><input type=\"text\" name=\"kinci_ipotek_heloc_bakiyesi\" 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\">\u0130kinci bir ipote\u011finiz yoksa 0 girin.<\/small><\/div><div class=\"is-single field\" id=\"input-5\"><span class=\"font-semibold\">Bor\u00e7lanma kapasitesi<\/span><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Krediverenin en y\u00fcksek bile\u015fik LTV&#039;si<\/label><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"krediverenin_en_yksek_bileik_ltvsi\"><option value=\"80\" selected>%80 CLTV<\/option><option value=\"85\">%85 CLTV<\/option><option value=\"90\">%90 CLTV<\/option><option value=\"custom\">\u00d6zel<\/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\" hidden><label for=\"field-7\">\u00d6zel maksimum CLTV<\/label><input type=\"text\" name=\"zel_maksimum_cltv\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"100\" value=\"80\"\/><div class=\"unit\" id=\"calc-unit-7\">%<\/div><small id=\"calc-info-7\">Kredivereninizin, t\u00fcm ipotekleri kapsayan en y\u00fcksek bile\u015fik kredi\/de\u011fer oran\u0131.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Kredi notu aral\u0131\u011f\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-8\" name=\"kredi_notu_aral\"><option value=\"na\" selected>Emin de\u011filim<\/option><option value=\"c740\">740 ve \u00fczeri (m\u00fckemmel)<\/option><option value=\"c720\">720\u2013739<\/option><option value=\"c680\">680\u2013719<\/option><option value=\"c660\">660\u2013679<\/option><option value=\"c620\">660&#039;\u0131n alt\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=\"is-single field\" id=\"input-9\"><span class=\"font-semibold\">Ev \u00f6zkayna\u011f\u0131 kredisi \u00f6demesi tahmini<\/span><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-10\">Kredi faiz oran\u0131 (AYBO)<\/label><input type=\"text\" name=\"kredi_faiz_oran_aybo\" id=\"field-10\" aria-describedby=\"calc-unit-10 calc-info-10\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"8.5\"\/><div class=\"unit\" id=\"calc-unit-10\">%<\/div><small id=\"calc-info-10\">Ev \u00f6zkayna\u011f\u0131 kredisi ve HELOC oranlar\u0131 genellikle birinci ipotek oranlar\u0131n\u0131n \u00fczerinde seyreder.<\/small><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-11\">Kredi vadesi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-11\" name=\"kredi_vadesi\"><option value=\"5\">5 y\u0131l<\/option><option value=\"10\" selected>10 y\u0131l<\/option><option value=\"15\">15 y\u0131l<\/option><option value=\"20\">20 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=\"is-single field\" id=\"input-12\"><span class=\"font-semibold\">\u00d6zkaynak projeksiyonu<\/span><\/div><div class=\"field\" id=\"input-13\"><label for=\"field-13\">Projeksiyon s\u00fcresi<\/label><input type=\"text\" name=\"projeksiyon_sresi\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"30\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-13\">y\u0131l<\/div><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-14\">Beklenen de\u011fer art\u0131\u015f\u0131<\/label><input type=\"number\" name=\"beklenen_deer_art\" id=\"field-14\" aria-describedby=\"calc-unit-14 calc-info-14\" min=\"-15\" max=\"25\" step=\"0.1\" value=\"3\"\/><div class=\"unit\" id=\"calc-unit-14\">% \/ y\u0131l<\/div><small id=\"calc-info-14\">ABD&#039;nin uzun d\u00f6nem ortalamas\u0131 y\u0131lda kabaca %3\u20134&#039;t\u00fcr; de\u011ferlerin d\u00fc\u015fece\u011fini d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z eksi bir say\u0131 girin.<\/small><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-15\">Ayl\u0131k anapara ve faiz \u00f6demesi<\/label><input type=\"text\" name=\"aylk_anapara_ve_faiz_demesi\" id=\"field-15\" aria-describedby=\"calc-unit-15 calc-info-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1800\"\/><div class=\"unit\" id=\"calc-unit-15\">$ \/ ay<\/div><small id=\"calc-info-15\">Birinci ipotek kredinizde \u00f6dedi\u011finiz toplam ayl\u0131k anapara ve faiz.<\/small><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-16\">Birinci ipotek faiz oran\u0131<\/label><input type=\"text\" name=\"birinci_ipotek_faiz_oran\" id=\"field-16\" aria-describedby=\"calc-unit-16 calc-info-16\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6.5\"\/><div class=\"unit\" id=\"calc-unit-16\">%<\/div><small id=\"calc-info-16\">Her \u00f6demeyi faiz ve anaparaya ay\u0131rmak i\u00e7in kullan\u0131l\u0131r.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4177\">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> Ev \u00f6zkayna\u011f\u0131 sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Ev \u00f6zkayna\u011f\u0131n\u0131z<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>\u00d6zkayna\u011f\u0131n de\u011fer i\u00e7indeki pay\u0131<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Mevcut LTV (birinci ipotek)<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Mevcut CLTV (t\u00fcm ipotekler)<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>En fazla \u00e7ekebilece\u011finiz tutar<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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>Bu tutar i\u00e7in tahmini ayl\u0131k \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>\u00d6ng\u00f6r\u00fclen \u00f6zkaynak (girilen y\u0131l sonunda)<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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 is-column\" id=\"output-8\"><span class=\"field-title\"><span>Bor\u00e7lanma kapasitesiyle ilgili ayr\u0131nt\u0131lar<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-9\"><span class=\"field-title\"><span>\u00d6zkaynak projeksiyonu ayr\u0131nt\u0131lar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-9\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><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=\"4177\" 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>Konut \u00f6zkayna\u011f\u0131 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\\[ E = V - (B_1 + B_2), \\qquad \\text{CLTV} = \\frac{B_1 + B_2}{V} \\times 100\\%, \\qquad L = \\max\\bigl(0,\\; cV - (B_1 + B_2)\\bigr) \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(E\\) \u2014 konut \u00f6zkayna\u011f\u0131 ($)<\/li>\n<li>\\(V\\) \u2014 evin g\u00fcncel de\u011feri ($)<\/li>\n<li>\\(B_1\\) \u2014 birinci konut kredisi bakiyesi ($)<\/li>\n<li>\\(B_2\\) \u2014 ikinci konut kredisi \/ HELOC bakiyesi ($)<\/li>\n<li>\\(c\\) \u2014 kredi kurulu\u015funun azami CLTV s\u0131n\u0131r\u0131, ondal\u0131k olarak (%80 \u2192 0,80)<\/li>\n<li>\\(L\\) \u2014 ek olarak bor\u00e7lanabilece\u011finiz azami tutar ($)<\/li>\n<\/ul>\n<p>\u00d6zkaynak, evin de\u011ferinden \u00fczerindeki t\u00fcm bor\u00e7lar d\u00fc\u015f\u00fcld\u00fc\u011f\u00fcnde kalan tutard\u0131r. Bor\u00e7lanma g\u00fcc\u00fcn\u00fcz ise kredi kurulu\u015funun birle\u015fik kredi\/de\u011fer (CLTV) \u00fcst s\u0131n\u0131r\u0131 ile mevcut toplam konut kredisi borcunuz aras\u0131ndaki bo\u015fluktur.<\/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>Konut \u00f6zkayna\u011f\u0131 \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> de\u011feri $400.000 olan bir evde $280.000 birinci konut kredisi bakiyesi var ve ikinci ipotek yok; kredi kurulu\u015fu toplam borcu %80 CLTV ile s\u0131n\u0131rl\u0131yor ve %8,5 y\u0131ll\u0131k faiz oran\u0131yla 10 y\u0131ll\u0131k konut \u00f6zkayna\u011f\u0131 kredisi sunuluyor.<\/p>\n<p>\\[ E = 400{,}000 - 280{,}000 = 120{,}000 \\]<\/p>\n<p>\\[ \\text{CLTV} = \\frac{280{,}000}{400{,}000} \\times 100\\% = 70\\% \\]<\/p>\n<p>\\[ L = 0.80 \\times 400{,}000 - 280{,}000 = 320{,}000 - 280{,}000 = 40{,}000 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> $120.000 \u00f6zkaynak (ev de\u011ferinin %30'u) ve bor\u00e7lan\u0131labilecek en fazla <strong>$40.000<\/strong>. $40.000 i\u00e7in %8,5 y\u0131ll\u0131k faizle 10 y\u0131ll\u0131k konut \u00f6zkayna\u011f\u0131 kredisi ayda yakla\u015f\u0131k <strong>$495,94<\/strong> tutar. Birinci konut kredisinde ayda $1.800 anapara + faiz \u00f6denirken (%6,5 faiz) 5 y\u0131l boyunca %3 de\u011fer art\u0131\u015f\u0131 varsay\u0131l\u0131rsa bakiye yakla\u015f\u0131k $260.005'e d\u00fc\u015fer ve evin de\u011feri yakla\u015f\u0131k $463.710'a y\u00fckselir \u2014 \u00f6ng\u00f6r\u00fclen \u00f6zkaynak \u2248 <strong>$203.705<\/strong>.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Evin g\u00fcncel de\u011ferini<\/strong> girin \u2014 al\u0131\u015f fiyat\u0131n\u0131 de\u011fil, g\u00fcncel bir ekspertiz sonucunu ya da ger\u00e7ek\u00e7i bir pazar tahminini kullan\u0131n.<\/li>\n<li><strong>Birinci konut kredisi bakiyesini<\/strong> (ba\u015flang\u0131\u00e7taki tutar\u0131 de\u011fil, kalan anapara bakiyesini) ve <strong>ikinci konut kredisi \/ HELOC bakiyesini<\/strong> girin. \u0130kinci ipote\u011finiz yoksa 0 yaz\u0131n.<\/li>\n<li><strong>Kredi kurulu\u015funun azami birle\u015fik LTV s\u0131n\u0131r\u0131n\u0131<\/strong> se\u00e7in \u2014 en yayg\u0131n s\u0131n\u0131r %80'dir; kurulu\u015funuzun kesin limitini girmek i\u00e7in <em>\u00d6zel<\/em> se\u00e7ene\u011fini kullan\u0131p <strong>\u00d6zel azami CLTV<\/strong> alan\u0131na yaz\u0131n.<\/li>\n<li>\u0130ste\u011fe ba\u011fl\u0131 olarak bir <strong>kredi notu aral\u0131\u011f\u0131<\/strong> se\u00e7in; bu yaln\u0131zca CLTV s\u0131n\u0131rlar\u0131 ve fiyatland\u0131rma konusunda bilgi verir, hesab\u0131 de\u011fi\u015ftirmez.<\/li>\n<li>Azami bor\u00e7lan\u0131labilir tutar \u00fczerindeki ayl\u0131k \u00f6demeyi tahmin etmek i\u00e7in <strong>kredi faiz oran\u0131n\u0131<\/strong> ve <strong>kredi vadesini<\/strong> girin.<\/li>\n<li>Projeksiyon i\u00e7in <strong>ka\u00e7 y\u0131l \u00f6ng\u00f6r\u00fclece\u011fini<\/strong>, <strong>beklenen de\u011fer art\u0131\u015f\u0131n\u0131<\/strong> (%\/y\u0131l), birinci konut kredisine yapt\u0131\u011f\u0131n\u0131z toplam <strong>ayl\u0131k anapara + faiz \u00f6demesini<\/strong> ve <strong>birinci kredinin faiz oran\u0131n\u0131<\/strong> doldurun \u2014 son ikisi, \u00f6demelerin faiz ve anapara olarak ayr\u0131lmas\u0131 ve bakiyenin y\u0131l y\u0131l izlenmesi i\u00e7in kullan\u0131l\u0131r.<\/li>\n<\/ol>\n<h2>Konut \u00f6zkayna\u011f\u0131 nedir ve neden \u00f6nemlidir?<\/h2>\n<p>Konut \u00f6zkayna\u011f\u0131, evinizin ger\u00e7ekte size ait olan k\u0131sm\u0131d\u0131r: g\u00fcncel pazar de\u011ferinden, \u00fczerine\u6ce8\u518c olan t\u00fcm bor\u00e7lar \u00e7kar\u0131l\u0131r. Eviniz $400.000 de\u011ferindeyse ve konut kredisi borcunuz $280.000 ise, $120.000 \u00f6zkayna\u011f\u0131n\u0131z var demektir. \u00d6zkaynak iki yoldan artar: \u00f6demelerinizi yapt\u0131k\u00e7a kredi bakiyesi azal\u0131r ve evin de\u011feri zamanla y\u00fckselebilir. Genellikle bir hanenin net servetinin en b\u00fcy\u00fck tek kalemidir.<\/p>\n<p>Kredi kurulu\u015flar\u0131 riski kredi\/de\u011fer oranlar\u0131yla \u00f6l\u00e7er. <strong>LTV<\/strong> yaln\u0131zca birinci konut kredisini evin de\u011ferine oranlar; <strong>CLTV<\/strong> (birle\u015fik kredi\/de\u011fer oran\u0131) ise ikinci konut kredileri ve HELOC'lar dahil t\u00fcm ipotekleri hesaba katar. Konut \u00f6zkayna\u011f\u0131 kredilerinin ve HELOC'lar\u0131n \u00e7o\u011fu %80\u201385 CLTV ile s\u0131n\u0131rl\u0131d\u0131r; kredi kurulu\u015fu, evin de\u011ferinin en az %15\u201320'inin pay\u0131n\u0131z olarak kalmas\u0131n\u0131 ister. Birka\u00e7 program %90'a kadar \u00e7\u0131kabilir; bu durumda faizler genellikle daha y\u00fcksektir.<\/p>\n<p>Bor\u00e7lanma g\u00fcc\u00fcn\u00fcz, kredi kurulu\u015funun toplam konut kredisi borcu i\u00e7in izin verdi\u011fi tutar ile mevcut borcunuz aras\u0131ndaki farkt\u0131r. %80 CLTV s\u0131n\u0131r\u0131na tabi $400.000'l\u0131k bir ev, en fazla $320.000'l\u0131k toplam ipotek borcu ta\u015f\u0131r; borcunuz $280.000 ise yakla\u015f\u0131k $40.000 yeni bor\u00e7lanma m\u00fcmk\u00fcnd\u00fcr. Unutmay\u0131n: kredi onay\u0131 yaln\u0131zca \u00f6zkayna\u011fa ba\u011fl\u0131 de\u011fildir; kurulu\u015flar ayr\u0131ca kredi notunuzu, gelirinizi ve bor\u00e7\/gelir oran\u0131n\u0131z\u0131 da de\u011ferlendirir \u2014 bu oran\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7\/gelir oran\u0131 hesaplama arac\u0131yla<\/a> kontrol edebilirsiniz.<\/p>\n<p>\u00d6zkaynak projeksiyonu, konut kredisi borcunuz azal\u0131rken (umulur ki) evin de\u011fer kazanmas\u0131n\u0131n bile\u015fik etkisini g\u00f6sterir. Y\u0131lda %3\u20134 gibi m\u00fctevaz\u0131 bir de\u011fer art\u0131\u015f\u0131 bile anlaml\u0131 kazan\u00e7 \u00fcretir; \u00e7\u00fcnk\u00fc bu art\u0131\u015f yaln\u0131zca \u00f6zkayna\u011f\u0131n\u0131z\u0131n de\u011fil, evin t\u00fcm de\u011ferinin \u00fczerinden i\u015fler.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve pratik \u00f6neriler<\/h2>\n<ul>\n<li><strong>De\u011fer tahminleri anl\u0131k g\u00f6r\u00fcnt\u00fcd\u00fcr.<\/strong> Bir ev ancak bir al\u0131c\u0131n\u0131n \u00f6dedi\u011fi veya bir likit ekipler onaylad\u0131\u011f\u0131 tutar kadar de\u011ferlidir. Kapan\u0131\u015f an\u0131ndaki ger\u00e7ek CLTV'niz, kredi kurulu\u015funun yapt\u0131raca\u011f\u0131 ekspertiz sonucuna ba\u011fl\u0131d\u0131r ve bu sonu\u00e7 internet tahminlerinden farkl\u0131 olabilir.<\/li>\n<li><strong>CLTV bir \u00fcst s\u0131n\u0131rd\u0131r, taahh\u00fct de\u011fildir.<\/strong> Azami CLTV'ye ula\u015fmak ayn\u0131 zamanda en y\u00fcksek \u00f6deme anlam\u0131na gelir. Bir\u00e7ok bor\u00e7lu \u00f6demeleri rahat tutmak i\u00e7in tam tutar\u0131n alt\u0131nda bor\u00e7lan\u0131r \u2014 b\u00fct\u00e7enizle kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/butce-hesaplama-50-30-20-kurali\/\">50\/30\/20 b\u00fct\u00e7e hesaplama arac\u0131n\u0131<\/a> kullan\u0131n.<\/li>\n<li><strong>HELOC faizleri genellikle de\u011fi\u015fkendir.<\/strong> \u00d6deme tahmini sabit faizli bir konut \u00f6zkayna\u011f\u0131 kredisine dayan\u0131r; HELOC'un faizi ve \u00f6demesi \u00e7ekim d\u00f6nemi sona erdikten sonra y\u00fckselebilir.<\/li>\n<li><strong>Projeksiyon ger\u00e7e\u011fi sadele\u015ftirir.<\/strong> \u0130kinci kredi bakiyesinin sabit kald\u0131\u011f\u0131 (yaln\u0131zca faiz), de\u011fer art\u0131\u015f\u0131n\u0131n se\u00e7ti\u011finiz sabit oranda bile\u015fik ger\u00e7ekle\u015fti\u011fi ve anapara + faiz \u00f6demesinin hi\u00e7 de\u011fi\u015fmedi\u011fi varsay\u0131l\u0131r. Ger\u00e7ekte de\u011fer art\u0131\u015f\u0131 y\u0131ldan y\u0131la dalgalan\u0131r; ek anapara \u00f6demeleri \u2014 ki bunlar\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">konut kredisi erken kapatma hesaplama arac\u0131yla<\/a> modelleyebilirsiniz \u2014 bakiyeleri daha da h\u0131zl\u0131 d\u00fc\u015f\u00fcr\u00fcr.<\/li>\n<li><strong>Ev sahipli\u011finin di\u011fer maliyetlerini unutmay\u0131n.<\/strong> Emlak vergisi ve sigorta, \u00f6zkayna\u011f\u0131n\u0131z ne olursa olsun devam eder; <a href=\"https:\/\/wpcalc.com\/en\/finance\/property-tax-calculator\/\">emlak vergisi hesaplama arac\u0131<\/a> bunlar i\u00e7in b\u00fct\u00e7e yapman\u0131za yard\u0131mc\u0131 olur.<\/li>\n<li>Negatif \u00f6zkaynak (%100 \u00fczerinde CLTV), evin borcunun de\u011ferinden fazla oldu\u011fu anlam\u0131na gelir. Bu durumda de\u011ferler toparlanana veya bakiyeler d\u00fc\u015fene kadar konut \u00f6zkayna\u011f\u0131 bor\u00e7lanmas\u0131 m\u00fcmk\u00fcn de\u011fildir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Evinizdeki \u00f6zkayna\u011f\u0131n\u0131z\u0131 ve kredi kurulu\u015funun size ne kadar bor\u00e7 verebilece\u011fini \u00f6\u011frenin. Evinizin de\u011ferini, kredi bakiyelerinizi ve kredi ko\u015fullar\u0131n\u0131 girin; \u00f6zkayna\u011f\u0131n\u0131z\u0131, CLTV de\u011ferinizi, bor\u00e7lanma g\u00fcc\u00fcn\u00fcz\u00fc ve tahmini ayl\u0131k \u00f6demenizi g\u00f6r\u00fcn.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[75],"class_list":["post-4177","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\/4177","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=4177"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4177\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}