{"id":4184,"date":"2026-11-02T10:20:46","date_gmt":"2026-11-02T10:20:46","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/ltv-kredi-deger-orani-hesaplama\/"},"modified":"2026-11-02T10:20:46","modified_gmt":"2026-11-02T10:20:46","slug":"ltv-kredi-deger-orani-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ltv-kredi-deger-orani-hesaplama\/","title":{"rendered":"Kredi\/De\u011fer Oran\u0131 (LTV) 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\">Kredi de\u011fer oran\u0131n\u0131z\u0131 (LTV), CLTV&#039;nizi ve \u00f6zkayna\u011f\u0131n\u0131z\u0131 kontrol edin<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4184\" data-favorite-title=\"LTV\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ltv-kredi-deger-orani-hesaplama\/\" data-favorite-excerpt=\"\u0130potek bakiyeleriniz ve konutun de\u011ferinden kredi\/de\u011fer oran\u0131n\u0131z\u0131 (LTV), birle\u015fik CLTV&#039;nizi ve konut sermayenizi (equity) h\u0131zla hesaplay\u0131n \u2014 ya da hedef bir LTV&#039;ye ula\u015fmak i\u00e7in gereken kredi tutar\u0131n\u0131 ve pe\u015finat\u0131 planlay\u0131n. Bir ekspertiz de\u011feri, sat\u0131n alma fiyat\u0131 ve en fazla iki ipotek 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\/ltv-kredi-deger-orani-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4184\" data-post=\"4184\"><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\">Mod<\/label><div class=\"grid grid-cols-1\"><select id=\"field-1\" name=\"mod\"><option value=\"f\" selected>LTV&#039;mi hesapla<\/option><option value=\"r\">Hedef LTV i\u00e7in plan yap<\/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-2\"><label for=\"field-2\">De\u011ferleme bedeli<\/label><input type=\"text\" name=\"deerleme_bedeli\" 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\">$<\/div><small id=\"calc-info-2\">De\u011ferleme bedeli ya da piyasa de\u011ferine ili\u015fkin en iyi g\u00fcncel tahmininiz.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Sat\u0131n alma bedeli<\/label><input type=\"text\" name=\"satn_alma_bedeli\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Yoksa 0 girin. Kredi kurulu\u015flar\u0131 LTV&#039;yi sat\u0131n alma bedeli ile de\u011ferlemelerden d\u00fc\u015f\u00fck olan\u0131na g\u00f6re hesaplar.<\/small><\/div><div class=\"is-single field\" id=\"input-4\"><span class=\"font-semibold\">Krediler<\/span><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Kredi tutar\u0131n\u0131 belirtme \u015fekli<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"kredi_tutarn_belirtme_ekli\"><option value=\"loan\" selected>Kredi tutar\u0131<\/option><option value=\"down\">Pe\u015finat<\/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\" hidden><label for=\"field-6\">Birinci ipotek kredisi tutar\u0131<\/label><input type=\"text\" name=\"birinci_ipotek_kredisi_tutar\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"320000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Birinci ipote\u011fin g\u00fcncel veya planlanan anapara bakiyesi.<\/small><\/div><div class=\"field\" id=\"input-7\" hidden><label for=\"field-7\">Pe\u015finat<\/label><div class=\"field-group\"><input type=\"text\" name=\"peinat\" id=\"field-7\" aria-describedby=\"calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20\"\/><div class=\"grid grid-cols-1\"><select id=\"field-8\" name=\"cinsinden\" aria-label=\"Cinsinden\"><option value=\"pct\" selected>Fiyat\u0131n y\u00fczdesi<\/option><option value=\"usd\">Tutar ($)<\/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-7\">Konvansiyonel kredilerde %3\u201320 pe\u015finat kabul edilir; %20&#039;de PMI ortadan kalkar.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-9\">\u0130kinci ipotek \/ HELOC<\/label><input type=\"text\" name=\"kinci_ipotek_heloc\" id=\"field-9\" aria-describedby=\"calc-unit-9 calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-9\">$<\/div><small id=\"calc-info-9\">Piggyback ikinci kredi, HELOC veya konut \u00f6zkayna\u011f\u0131 kredisi bakiyesi. Yoksa 0 girin.<\/small><\/div><div class=\"is-single field\" id=\"input-9\"><span class=\"font-semibold\">Hedef LTV (planlama modu)<\/span><\/div><div class=\"field\" id=\"input-10\"><label for=\"field-11\">Hedef LTV<\/label><div class=\"grid grid-cols-1\"><select id=\"field-11\" name=\"hedef_ltv\"><option value=\"80\" selected>%80 \u2014 PMI&#039;s\u0131z b\u00f6lge<\/option><option value=\"90\">%90 \u2014 %10 pe\u015finat<\/option><option value=\"97\">%97 \u2014 konvansiyonel azami<\/option><option value=\"100\">%100 \u2014 VA \/ USDA<\/option><option value=\"96.5\">%96,5 \u2014 FHA azami<\/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-11\" hidden><label for=\"field-12\">\u00d6zel hedef LTV<\/label><input type=\"text\" name=\"zel_hedef_ltv\" id=\"field-12\" aria-describedby=\"calc-unit-12\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"100\" value=\"85\"\/><div class=\"unit\" id=\"calc-unit-12\">%<\/div><\/div><div class=\"field is-checkbox\" id=\"input-12\"><input type=\"checkbox\" id=\"field-13\" value=\"1\" checked=\"checked\"\/><label for=\"field-13\">Hedefe ikinci ipote\u011fi dahil et<\/label><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4184\">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> LTV sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>LTV \u2014 birinci ipotek<\/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>CLTV \u2014 t\u00fcm ipotekler<\/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>Konut \u00f6zkayna\u011f\u0131<\/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>Pe\u015finat \/ gereken nakit<\/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>Toplam ipotek borcu<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-6\"><span class=\"field-title\"><span>LTV&#039;niz ne anlama geliyor<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Hedefe g\u00f6re azami birinci ipotek<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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>Gerekli pe\u015finat<\/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>Kredi programlar\u0131n\u0131n \u00fcst s\u0131n\u0131rlar\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=\"4184\" 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>LTV 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\\[ \\text{LTV} = \\frac{\\text{Birinci ipotek bakiyesi}}{\\text{Konut de\u011feri}} \\times 100\\% \\\\ \\text{CLTV} = \\frac{\\text{Birinci ipotek} + \\text{\u0130kinci ipotek \/ HELOC}}{\\text{Konut de\u011feri}} \\times 100\\% \\\\ \\text{\u00d6z sermaye} = \\frac{\\text{Konut de\u011feri} - \\text{Toplam ipotek borcu}}{\\text{Konut de\u011feri}} \\times 100\\% \\\\ \\text{Maksimum birinci ipotek} = \\text{Konut de\u011feri} \\times \\frac{\\text{Hedef LTV}}{100} - \\text{\u0130kinci ipotek} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki ifadelerin anlam\u0131:<\/strong><\/p>\n<ul>\n<li>\\(\\text{LTV}\\) \u2014 tek ba\u015f\u0131na birinci ipote\u011fin kredi\/de\u011fer oran\u0131 (%);<\/li>\n<li>\\(\\text{CLTV}\\) \u2014 konut \u00fczerindeki t\u00fcm rehinleri hesaba katan birle\u015fik kredi\/de\u011fer oran\u0131 (%);<\/li>\n<li>Konut de\u011feri \u2014 ekspertiz de\u011feri ile sat\u0131n alma fiyat\u0131ndan d\u00fc\u015f\u00fck olan\u0131; kredit\u00f6rler de tutar\u0131 esas al\u0131rken bu rakam\u0131 kullan\u0131r.<\/li>\n<\/ul>\n<p>\u0130lk \u00fc\u00e7 form\u00fcl mevcut durumunuzu g\u00f6sterir; sonuncusu ise hedef LTV'den geriye do\u011fru hesap yaparak bu orana uyan en y\u00fcksek birinci ipotek tutar\u0131n\u0131 (ve gereken nakdi) bulur.<\/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>LTV \u2013 \u00d6rnek Hesaplama<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 400.000 $ olarak ekspertiz edilen bir konutta 320.000 $ tutar\u0131nda birinci ipotek var; ikinci ipotek veya HELOC bulunmuyor. Sat\u0131n alma fiyat\u0131 alan\u0131 0 b\u0131rak\u0131ld\u0131\u011f\u0131 i\u00e7in hesapta esas al\u0131nan de\u011fer ekspertiz de\u011feridir.<\/p>\n<p>\\[ \\text{LTV} = \\frac{320{,}000}{400{,}000} \\times 100\\% = 80.0\\% \\\\ \\text{CLTV} = \\frac{320{,}000 + 0}{400{,}000} \\times 100\\% = 80.0\\% \\\\ \\text{\u00d6z sermaye} = 100\\% - 80.0\\% = 20.0\\% \\; (\\$80{,}000) \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> LTV = %80,0, CLTV = %80,0, \u00f6z sermaye = %20,0 (80.000 $), toplam ipotek borcu 320.000 $ ve kapan\u0131\u015ftaki nakdi durumunuz 80.000 $. LTV tam %80 seviyesindeyken bor\u00e7lu, konvansiyonel kredisinde \u00f6zel ipotek sigortas\u0131n\u0131n (PMI) kald\u0131r\u0131lmas\u0131n\u0131 talep edebilir.<\/p>\n<p>\n\r\n<\/section>\n<h2>LTV Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Mod<\/strong>'u se\u00e7in: <em>Mevcut LTV'mi kontrol et<\/em> bug\u00fcn nerede durdu\u011funuzu g\u00f6sterir; <em>Hedef LTV i\u00e7in planla<\/em> geriye do\u011fru hesap yaparak gereken kredi tutar\u0131n\u0131 ve nakdi bulur.<\/li>\n<li><strong>Ekspertiz de\u011ferini<\/strong> girin (veya g\u00fcncel piyasa tahmininizin en iyisini). Kredit\u00f6rler bu tutar ile sat\u0131n alma fiyat\u0131ndan d\u00fc\u015f\u00fck olan\u0131 esas al\u0131r; fiyat\u0131 <strong>Sat\u0131n alma fiyat\u0131<\/strong> alan\u0131na girebilirsiniz \u2014 atlamak i\u00e7in 0 b\u0131rak\u0131n.<\/li>\n<li><strong>Krediler<\/strong> b\u00f6l\u00fcm\u00fcnde kredinin <strong>Kredi tutar\u0131<\/strong> olarak m\u0131 yoksa <strong>Pe\u015finat<\/strong> olarak m\u0131 verilece\u011fini se\u00e7in. Ard\u0131ndan <strong>Birinci ipotek tutar\u0131n\u0131<\/strong> (ya da <strong>Pe\u015finat\u0131<\/strong> \u2014 fiyat\u0131n y\u00fczdesi ya da $ tutar\u0131 olarak) ve varsa <strong>\u0130kinci ipotek \/ HELOC<\/strong> bakiyesini girin; yoksa 0 yaz\u0131n.<\/li>\n<li>Planlama modunda bir <strong>Hedef LTV<\/strong> belirleyin (%80, %90, %97, %96,5, %100 veya <strong>\u00d6zel<\/strong>) ve \u00fcst s\u0131n\u0131r yaln\u0131zca birinci ipote\u011fe de\u011fil, t\u00fcm kredilerin toplam\u0131na uygulan\u0131yorsa <strong>Hedefe ikinci ipote\u011fi dahil et<\/strong> se\u00e7ene\u011fini i\u015faretleyin.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <em>LTV \u2014 birinci ipotek<\/em>, <em>CLTV \u2014 t\u00fcm ipotekler<\/em>, <em>\u00d6z sermaye<\/em> ve planlama modunda ayr\u0131ca <em>Hedefteki en y\u00fcksek birinci ipotek<\/em> ile <em>Gerekli pe\u015finat<\/strong>, bir de tipik kredi program\u0131 \u00fcst s\u0131n\u0131rlar\u0131n\u0131 g\u00f6steren tablo.<\/li>\n<\/ol>\n<h2>Kredi\/De\u011fer Oran\u0131n\u0131n Anlam\u0131 Nedir?<\/h2>\n<p>LTV, bir ipotek kredisi verirken kredit\u00f6r\u00fcn kredi notunuz ve bor\u00e7\/gelir oran\u0131n\u0131zdan sonra bakt\u0131\u011f\u0131 en \u00f6nemli say\u0131d\u0131r. Konut de\u011ferinin ne kadar\u0131n\u0131n krediyle finanse edildi\u011fini \u00f6l\u00e7er: %80'lik bir LTV, kredilerin de\u011ferin d\u00f6rtte be\u015fini kapsad\u0131\u011f\u0131, kalan be\u015fte birin ise \u00f6z sermaye olarak size ait oldu\u011fu anlam\u0131na gelir. Kredit\u00f6r\u00fcn g\u00f6z\u00fcnden bak\u0131ld\u0131\u011f\u0131nda daha d\u00fc\u015f\u00fck LTV daha g\u00fcvenli bir kredi demektir \u2014 \u00f6demenizi yapamazsan\u0131z bor\u00e7 ile konutun sat\u0131\u015f fiyat\u0131 aras\u0131nda daha geni\u015f bir tampon kal\u0131r; bu y\u00fczden d\u00fc\u015f\u00fck LTV'li bor\u00e7lular daha iyi faiz oran\u0131 ve daha kolay onay al\u0131r.<\/p>\n<p>En bilinen e\u015fik %80'dir. Konvansiyonel kredilerde %80'i a\u015fan her LTV'de \u00f6zel ipotek sigortas\u0131 zorunludur; bu sigorta y\u0131lda genellikle kredi bakiyesinin %0,3\u20131,5'i kadard\u0131r. LTV'niz %80'e d\u00fc\u015ft\u00fc\u011f\u00fcnde PMI'nin kald\u0131r\u0131lmas\u0131n\u0131 talep edebilirsiniz; ba\u015flang\u0131\u00e7taki de\u011ferin %78'ine gelince ise servis sa\u011flay\u0131c\u0131, Homeowners Protection Act kapsam\u0131nda sigortay\u0131 otomatik olarak iptal etmek zorundad\u0131r. Bu ayn\u0131 zamanda nakit \u00e7\u0131k\u0131\u015fl\u0131 refinansmanda (cash-out refinance) standart \u00fcst s\u0131n\u0131rd\u0131r; yani %80 \u00e7izgisi hem al\u0131mlar hem refinansmanlar i\u00e7in \u00f6nem ta\u015f\u0131r.<\/p>\n<p>CLTV \u2014 birle\u015fik kredi\/de\u011fer oran\u0131 \u2014 konut \u00fczerindeki t\u00fcm rehinleri toplar: %75'lik birinci ipote\u011fin yan\u0131na %10'luk bir HELOC eklendi\u011finde, birinci rehin LTV'si yaln\u0131zca %75 olsa bile CLTV %85 olur. Konut sermayesi kredisi verenler fiyatland\u0131rmay\u0131 CLTV \u00fczerinden yapar ve \u00e7o\u011fu birle\u015fik finansman\u0131 yakla\u015f\u0131k %85'te s\u0131n\u0131rlar. Program \u00fcst s\u0131n\u0131rlar\u0131n\u0131n farkl\u0131 \u00e7al\u0131\u015ft\u0131\u011f\u0131na dikkat edin: konvansiyonel al\u0131m kredileri %97 LTV'ye kadar giderken, FHA %96,5'e izin verir; VA ve USDA kredileri ise uygun bor\u00e7lulara %100 sunar. Hesaplay\u0131c\u0131n\u0131n program tablosu, rakamlar\u0131n\u0131z\u0131n bu \u00fcst s\u0131n\u0131rlar\u0131n her birine nas\u0131l oturdu\u011funu g\u00f6sterir.<\/p>\n<p>\u00d6z sermaye, LTV'nin ayna g\u00f6r\u00fcnt\u00fcs\u00fcd\u00fcr: %75'lik LTV, %25'lik \u00f6z sermaye demektir. Kredit\u00f6rler bu pay\u0131n zamanla b\u00fcy\u00fcmesini \u2014 itfa yoluyla, anaparaya yap\u0131lan ek \u00f6demelerle ya da de\u011fer art\u0131\u015f\u0131yla \u2014 g\u00f6rmekten ho\u015flan\u0131r; \u00e7\u00fcnk\u00fc artan \u00f6z sermaye daha iyi refinansman oranlar\u0131, HELOC uygunlu\u011fu ve PMI'den kurtulma imkan\u0131 a\u00e7ar. Bilan\u00e7onuzun bu taraf\u0131na daha derinlemesine bakmak isterseniz <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-ozkaynak-hesaplama\/\">konut sermayesi hesaplay\u0131c\u0131m\u0131za<\/a> g\u00f6z at\u0131n.<\/p>\n<h2>LTV E\u015fikleri Bir Bak\u0131\u015fta<\/h2>\n<table>\n<thead>\n<tr>\n<th>LTV<\/th>\n<th>Anlam\u0131<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>%100+<\/td>\n<td>Negatif veya s\u0131f\u0131r \u00f6z sermaye \u2014 %100'e yaln\u0131zca VA\/USDA al\u0131m kredileri ula\u015fabilir<\/td>\n<\/tr>\n<tr>\n<td>%96,5\u201397<\/td>\n<td>FHA (%96,5) ve konvansiyonel (%97) al\u0131m kredileri i\u00e7in \u00fcst s\u0131n\u0131r<\/td>\n<\/tr>\n<tr>\n<td>%80,01\u201395<\/td>\n<td>Konvansiyonel kredilerde PMI zorunlu; %80'de kald\u0131rma talebi gelebilir<\/td>\n<\/tr>\n<tr>\n<td>%80<\/td>\n<td>Konvansiyonel krediler i\u00e7in PMI's\u0131z b\u00f6lge; nakit \u00e7\u0131k\u0131\u015fl\u0131 refinansmanda standart \u00fcst s\u0131n\u0131r<\/td>\n<\/tr>\n<tr>\n<td>%78<\/td>\n<td>PMI otomatik olarak sona erer (ba\u015flang\u0131\u00e7taki de\u011fere g\u00f6re)<\/td>\n<\/tr>\n<tr>\n<td>%85 CLTV<\/td>\n<td>Konut sermayesi kredileri ve HELOC'lerde tipik en y\u00fcksek birle\u015fik finansman<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Varsay\u0131mlar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>D\u00fc\u015f\u00fck olan de\u011fer ge\u00e7erlidir.<\/strong> Sat\u0131n alma fiyat\u0131 ekspertizden y\u00fcksekse hesaplay\u0131c\u0131 ekspertizi kullan\u0131r \u2014 aynen kredit\u00f6rlerin yapt\u0131\u011f\u0131 gibi. D\u00fc\u015f\u00fck kalan bir ekspertiz fiili LTV'nizi y\u00fckseltir ve bir anla\u015fmay\u0131 bozabilir; o y\u00fczden de\u011fer tahmininizde temkinli olun.<\/li>\n<li><strong>Ba\u015flang\u0131\u00e7taki tutar\u0131 de\u011fil, g\u00fcncel bakiyeyi kullan\u0131n.<\/strong> Mevcut bir konut i\u00e7in bug\u00fcnk\u00fc anapara bakiyesini (en son ekstrenizden) girin, \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z ilk tutar\u0131 de\u011fil; itfa ve ek \u00f6demeler ger\u00e7ek LTV'nizi d\u00fc\u015f\u00fcr\u00fcr.<\/li>\n<li><strong>Kapan\u0131\u015f maliyetleri say\u0131lmaz.<\/strong> Nakit tutar\u0131 yaln\u0131zca pe\u015finat ya da \u00f6z sermaye a\u00e7\u0131\u011f\u0131d\u0131r; kapan\u0131\u015f maliyetlerini <a href=\"https:\/\/wpcalc.com\/en\/finance\/closing-cost-calculator\/\">kapan\u0131\u015f maliyeti hesaplay\u0131c\u0131m\u0131zla<\/a> ayr\u0131ca ekleyin.<\/li>\n<li><strong>LTV \u00fc\u00e7 kap\u0131dan biridir.<\/strong> <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">Bor\u00e7\/gelir oran\u0131n\u0131z<\/a> veya kredi notunuz aral\u0131k d\u0131\u015f\u0131ndaysa %60'l\u0131k bir LTV bile krediyi kapatmaz. Bir kredi tutar\u0131n\u0131n g\u00fcvenli oldu\u011funu varsaymadan \u00f6nce bunlar\u0131 kontrol edin.<\/li>\n<li><strong>Program kurallar\u0131 de\u011fi\u015fir.<\/strong> Program tablosu tipik \u00fcst s\u0131n\u0131rlar\u0131 g\u00f6sterir, garanti vermez \u2014 kredit\u00f6rler kendi ek \u015fartlar\u0131n\u0131 uygular; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/fha-kredi-hesaplayici-mip-dahil\/\">FHA<\/a> ve <a href=\"https:\/\/wpcalc.com\/en\/finance\/va-loan-calculator-payment-with-funding-fee\/\">VA<\/a> kredileri gibi devlet destekli programlar\u0131n ise y\u00fcksek LTV'yi dengeleyen kendi sigorta veya fon \u00fccreti yap\u0131lar\u0131 vard\u0131r.<\/li>\n<li><strong>Planlama modu faiz etkisini yok sayar.<\/strong> Hedef bir LTV'ye uyan krediyi hesaplar; ancak daha b\u00fcy\u00fck bir pe\u015finat, size teklif edilen faiz oran\u0131n\u0131 da iyile\u015ftirebilir \u2014 as\u0131l tasarruf yaln\u0131zca PMI \u00e7izgisini a\u015fabilir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0130potek bakiyeleriniz ve konutun de\u011ferinden kredi\/de\u011fer oran\u0131n\u0131z\u0131 (LTV), birle\u015fik CLTV'nizi ve konut sermayenizi (equity) h\u0131zla hesaplay\u0131n \u2014 ya da hedef bir LTV'ye ula\u015fmak i\u00e7in gereken kredi tutar\u0131n\u0131 ve pe\u015finat\u0131 planlay\u0131n. Bir ekspertiz de\u011feri, sat\u0131n alma fiyat\u0131 ve en fazla iki ipotek 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-4184","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\/4184","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=4184"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4184\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}