{"id":4191,"date":"2026-11-02T10:32:56","date_gmt":"2026-11-02T10:32:56","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-recast-hesaplayici\/"},"modified":"2026-11-02T10:32:56","modified_gmt":"2026-11-02T10:32:56","slug":"konut-kredisi-recast-hesaplayici","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-recast-hesaplayici\/","title":{"rendered":"Konut Kredisi Recast Hesaplay\u0131c\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\">Kredinizi recast \u00f6ncesinde ve sonras\u0131nda kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4191\" data-favorite-title=\"Konut Kredisi Recast\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-recast-hesaplayici\/\" data-favorite-excerpt=\"Tek seferlik bir pe\u015fin anapara \u00f6demesinin kredinizi nas\u0131l yeniden \u015fekillendirdi\u011fini g\u00f6r\u00fcn. Kredi bilgilerinizi girin; recast \u00f6ncesi ve sonras\u0131 ayl\u0131k anapara-faiz \u00f6demenizi, toplam faizinizi ve \u00fccretin kendini amorti etme s\u00fcresini kar\u015f\u0131la\u015ft\u0131r\u0131n.\" 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-kredisi-recast-hesaplayici\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4191\" data-post=\"4191\"><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\">Ba\u015flang\u0131\u00e7 kredi tutar\u0131<\/label><input type=\"text\" name=\"balang_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=\"300000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">En ba\u015fta \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z tutar.<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Faiz oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6.5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131z. Recast bu oran\u0131 de\u011fi\u015ftirmez.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Ba\u015flang\u0131\u00e7 vadesi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-3\" name=\"balang_vadesi\"><option value=\"15\">15 y\u0131l<\/option><option value=\"20\">20 y\u0131l<\/option><option value=\"30\" 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-4\"><label for=\"field-4\">\u00d6denen ay say\u0131s\u0131<\/label><input type=\"text\" name=\"denen_ay_says\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"48\"\/><small id=\"calc-info-4\">\u015eimdiye kadar ka\u00e7 ayl\u0131k \u00f6deme yapt\u0131\u011f\u0131n\u0131z.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">G\u00fcncel bakiye<\/label><div class=\"grid grid-cols-1\"><select id=\"field-5\" name=\"gncel_bakiye\"><option value=\"calc\" selected>\u00d6demelerden hesapla<\/option><option value=\"enter\">Bakiyeyi elle gir<\/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\">G\u00fcncel bakiye<\/label><input type=\"text\" name=\"gncel_bakiye\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"285000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">\u015eu an \u00f6denmemi\u015f anapara bakiyeniz.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Tek seferlik recast \u00f6demesi<\/label><input type=\"text\" name=\"tek_seferlik_recast_demesi\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"50000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><small id=\"calc-info-7\">Recast talebiyle birlikte g\u00f6nderilen tek seferlik anapara \u00f6demesi (\u00e7o\u011fu kredi kurulu\u015fu 10.000 $ ve \u00fczerini \u015fart ko\u015far).<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Recast \u00fccreti<\/label><input type=\"text\" name=\"recast_creti\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">\u00c7o\u011fu kredi kurulu\u015fu recast i\u00e7in 150\u2013500 $ \u00fccret al\u0131r; kurulu\u015funuzda \u00fccret yoksa 0 girin.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4191\">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> Recast sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>G\u00fcncel ayl\u0131k taksit (anapara + faiz)<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Recast sonras\u0131 yeni ayl\u0131k taksit (anapara + faiz)<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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 tasarruf<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Toplam faiz tasarrufu<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/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 is-column\" id=\"output-5\"><span class=\"field-title\"><span>Recast \u00fccretinin ba\u015faba\u015f noktas\u0131<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/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>Recast yap\u0131lmadan ayn\u0131 tek seferlik \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-7\"><span class=\"field-title\"><span>Y\u0131l y\u0131l \u00f6deme planlar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Bu hesaplaman\u0131n ba\u011flant\u0131s\u0131n\u0131 kopyala<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Yorum b\u0131rak<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"4191\" 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 Kredisi Recast 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{B \\cdot r}{1-(1+r)^{-m}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Sembollerin anlam\u0131:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 ayl\u0131k anapara ve faiz \u00f6demesi<\/li>\n<li>\\(B\\) \u2014 pe\u015fin \u00f6deme uyguland\u0131ktan sonraki kalan anapara bakiyesi: \\(B = B_{\\text{g\u00fcncel}} - L\\)<\/li>\n<li>\\(L\\) \u2014 recast i\u00e7in yap\u0131lan tek seferlik pe\u015fin \u00f6deme<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131: \\(r = \\frac{\\text{y\u0131ll\u0131k oran}}{12 \\times 100}\\)<\/li>\n<li>\\(m\\) \u2014 orijinal vadede kalan ay say\u0131s\u0131<\/li>\n<\/ul>\n<p>Recast, faiz oran\u0131n\u0131z\u0131 ve kapan\u0131\u015f tarihinizi aynen korur; yaln\u0131zca zorunlu ayl\u0131k \u00f6deme, standart amortisman form\u00fcl\u00fcyle daha k\u00fc\u00e7\u00fck bakiye \u00fczerinden yeniden hesaplan\u0131r.<\/p>\n<\/p>\n<p>\\[ P = \\frac{B \\cdot r}{1-(1+r)^{-m}} \\qquad L = B_{\\text{g\u00fcncel}} - B \\qquad S = P_{\\text{eski}} - P \\]<\/p>\n<\/p>\n<p>\\(P_{\\text{eski}}\\) orijinal takvimdeki taksit, \\(S\\) ise ayl\u0131k tasarruftur. Toplam faiz tasarrufu, takvime g\u00f6re h\u00e2l\u00e2 \u00f6denecek faiz ile recast sonras\u0131 \u00f6denecek faiz aras\u0131ndaki farkt\u0131r.<\/p>\n<\/p>\n<p>\\[ P = \\frac{B \\cdot r}{1-(1+r)^{-m}} \\qquad S = P_{\\text{eski}} - P \\qquad I_{\\text{tasarruf}} = \\bigl(P_{\\text{eski}} \\cdot m - B_{\\text{g\u00fcncel}}\\bigr) - \\bigl(P \\cdot m - B\\bigr) \\]<\/p>\n<\/p>\n<p>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran \u00f7 12); \\(m\\) \u2014 kalan ay say\u0131s\u0131; \\(L\\) \u2014 tek seferlik pe\u015fin \u00f6deme; \\(P_{\\text{eski}}\\) \u2014 mevcut taksit; \\(P\\) \u2014 recast sonras\u0131 taksit; \\(S\\) \u2014 ayl\u0131k tasarruf.<\/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 Kredisi Recast \u2013 \u00d6rnek Hesaplama<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 300.000 $ tutar\u0131nda, %6,5 oranl\u0131 ve 30 y\u0131l vadeli bir kredi ald\u0131n\u0131z; 48 ayl\u0131k taksit \u00f6dediniz ve \u015fimdi 250 $ recast \u00fccretiyle birlikte 50.000 $ pe\u015fin \u00f6deme g\u00f6nderiyorsunuz.<\/p>\n<p>\\[ r = \\frac{6.5}{12 \\times 100} = 0.0054167 \\]<\/p>\n<p>\\[ P_{\\text{eski}} = \\frac{300{,}000 \\times 0.0054167}{1-(1.0054167)^{-360}} \\approx 1{,}896.20 \\]<\/p>\n<p>\\[ B_{\\text{g\u00fcncel}} = 300{,}000(1.0054167)^{48} - 1{,}896.20 \\times \\frac{(1.0054167)^{48}-1}{0.0054167} \\approx 285{,}179 \\]<\/p>\n<p>\\[ P = \\frac{(285{,}179 - 50{,}000) \\times 0.0054167}{1-(1.0054167)^{-312}} = \\frac{235{,}179 \\times 0.0054167}{0.81463} \\approx 1{,}563.75 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> Anapara-faiz \u00f6demeniz 1.896,20 $'dan yakla\u015f\u0131k 1.563,75 $'a d\u00fc\u015f\u00fcyor \u2014 ayl\u0131k tasarruf kabaca 332,45 $ tutuyor. Kredinin kalan 312 ay\u0131nda yakla\u015f\u0131k 53.700 $ faizden kurtuluyorsunuz; 250 $'l\u0131k \u00fccret ise kendini ilk d\u00fc\u015f\u00fck taksit \u00f6demesiyle geri \u00f6d\u00fcyor.<\/p>\n<p>\n\r\n<\/section>\n<h2>Konut Kredisi Recast Hesaplay\u0131c\u0131s\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Ba\u015flang\u0131\u00e7ta ald\u0131\u011f\u0131n\u0131z <strong>Kredi tutar\u0131<\/strong>n\u0131 girin.<\/li>\n<li><strong>Faiz oran\u0131<\/strong>n\u0131z\u0131 girin \u2014 recast bu oran\u0131 de\u011fi\u015ftirmez, bu y\u00fczden ekstrenizde yazan oran\u0131 kullan\u0131n.<\/li>\n<li><strong>Orijinal vade<\/strong>yi se\u00e7in (15, 20 veya 30 y\u0131l).<\/li>\n<li><strong>\u015eimdiye kadar \u00f6denen ay say\u0131s\u0131<\/strong>n\u0131 girin \u2014 bug\u00fcne kadar ka\u00e7 ayl\u0131k taksit \u00f6dediyseniz.<\/li>\n<li><strong>G\u00fcncel bakiye<\/strong> alt\u0131nda, hesaplay\u0131c\u0131n\u0131n bakiyeyi amortismanla bulmas\u0131 i\u00e7in <em>\u00d6denen taksitlerden hesapla<\/em>y\u0131 se\u00e7in; ge\u00e7mi\u015fte ek \u00f6deme yapt\u0131ysan\u0131z <em>Bakiyeyi elle girin<\/em>i se\u00e7ip ekstrenizdeki kapan\u0131\u015f bakiyesini yaz\u0131n.<\/li>\n<li>G\u00f6ndermeyi planlad\u0131\u011f\u0131n\u0131z <strong>Recast i\u00e7in tek seferlik \u00f6deme<\/strong> tutar\u0131n\u0131 girin (\u00e7o\u011fu kredi kurulu\u015fu en az 10.000 $ ister).<\/li>\n<li>Hizmet sa\u011flay\u0131c\u0131n\u0131z\u0131n talep etti\u011fi <strong>Recast \u00fccreti<\/strong>ni girin; \u00fccret al\u0131nm\u0131yorsa 0 yaz\u0131n.<\/li>\n<\/ol>\n<p>Sonu\u00e7larda mevcut ayl\u0131k anapara-faiz \u00f6demenizi, recast sonras\u0131 yeni taksidinizi, ayl\u0131k tasarrufunuzu, toplam faiz tasarrufunuzu ve \u00fccretin kendini ne kadar \u00e7abuk geri \u00f6dedi\u011fini g\u00f6r\u00fcrs\u00fcn\u00fcz. Ayr\u0131ca ayn\u0131 pe\u015fin tutar\u0131 recast <em>istemeden<\/em> \u00f6derseniz ne olaca\u011f\u0131na dair bir kar\u015f\u0131la\u015ft\u0131rma ve iki senaryo i\u00e7in de y\u0131l y\u0131l \u00f6deme planlar\u0131 al\u0131rs\u0131n\u0131z.<\/p>\n<h2>Konut Kredisi Recast Nedir?<\/h2>\n<p>Recast (yeniden amortisman da denir), hizmet sa\u011flay\u0131c\u0131n\u0131z\u0131n kredinize b\u00fcy\u00fck bir tek seferlik anapara \u00f6demesi uygulay\u0131p ayl\u0131k anapara ve faiz taksitini <em>kalan<\/em> vade \u00fczerinden yeniden hesaplamas\u0131d\u0131r. Faiz oran\u0131z de\u011fi\u015fmez, kapan\u0131\u015f tarihiniz de\u011fi\u015fmez ve yeni bir kredi a\u00e7\u0131lmaz. De\u011fi\u015fen tek \u015fey zorunlu ayl\u0131k taksittir; art\u0131k daha k\u00fc\u00e7\u00fck bir bakiye amortisman'a tabi tutuldu\u011fu i\u00e7in d\u00fc\u015fer.<\/p>\n<p>Bu, kredinizi yeni oran, yeni vade ve kapan\u0131\u015f maliyetleriyle de\u011fi\u015ftiren <a href=\"https:\/\/wpcalc.com\/tr\/finans\/refinansman-faiz-tasarrufu\/\">yeniden finansmandan<\/a> recast'i ay\u0131ran temel noktad\u0131r. Recast, yaln\u0131zca ek anapara \u00f6demesi yapmaktan da farkl\u0131d\u0131r: recast talep etmeden pe\u015fin \u00f6deme g\u00f6nderirseniz ayl\u0131k taksitiniz ayn\u0131 kal\u0131r ve kredi yaln\u0131zca erken kapan\u0131r; bu daha fazla faiz tasarrufu sa\u011flar ama ayl\u0131k nakit ak\u0131\u015f\u0131n\u0131za ferahl\u0131k getirmez. Hesaplay\u0131c\u0131 iki yolu da yan yana g\u00f6sterir; b\u00f6ylece d\u00fc\u015f\u00fck taksit ile azami faiz tasarrufunu tartabilirsiniz.<\/p>\n<p>Sonu\u00e7lar\u0131 okurken yaln\u0131zca tasarrufa de\u011fil, karar \u00f6d\u00fcnle\u015fimine odaklan\u0131n. <strong>Ayl\u0131k tasarruf<\/strong>, her ay elinize ge\u00e7ecek nakit ak\u0131\u015f\u0131d\u0131r \u2014 b\u00fct\u00e7enizde nefes pay\u0131, daha d\u00fc\u015f\u00fck <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7\/gelir oran\u0131<\/a> ya da gelir kayb\u0131na kar\u015f\u0131 bir g\u00fcvenlik marj\u0131 istiyorsan\u0131z i\u015finize yarar. <strong>Toplam faiz tasarrufu<\/strong> ise recast'in kalan vade boyunca sa\u011flad\u0131\u011f\u0131 tasarruftur; \"recast olmadan ayn\u0131 pe\u015fin \u00f6deme\" rakam\u0131, taksidi de\u011fi\u015ftirmeyi s\u00fcrd\u00fcrerek \u2014 daha y\u00fcksek zorunlu taksit pahas\u0131na \u2014 ne kadar daha fazla faiz tasarrufu yapabilece\u011finizi g\u00f6sterir.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Yaln\u0131zca anapara ve faiz.<\/strong> T\u00fcm rakamlar yaln\u0131zca anapara ve faizi kapsar. Ayl\u0131k \u00f6demenizin tamam\u0131, recast'ten etkilenmeyen escrow kalemlerini \u2014 emlak vergisi, konut sigortas\u0131 ve mortgage sigortas\u0131 \u2014 da i\u00e7erir.<\/li>\n<li><strong>Sabit faizli, tam amortismanl\u0131 krediler.<\/strong> Hesaplama sabit faiz oran\u0131 ve e\u015fit taksitler varsayar. De\u011fi\u015fken faizli (ARM) krediler de \u00e7o\u011fu zaman recast edilebilir; ancak ilerideki oran revizyonlar\u0131 buradaki rakamlar\u0131 yakla\u015f\u0131k hale getirir.<\/li>\n<li><strong>Hizmet sa\u011flay\u0131c\u0131 \u015fartlar\u0131.<\/strong> \u00c7o\u011fu kredi kurulu\u015fu kredinin g\u00fcncel olmas\u0131n\u0131, belli bir alt s\u0131n\u0131r\u0131n \u00fczerinde pe\u015fin \u00f6deme (genellikle 10.000 $), k\u00fc\u00e7\u00fck bir \u00fccret (tipik olarak 150\u2013500 $) ve bazen iki recast aras\u0131nda bekleme s\u00fcresi ister. Baz\u0131 kredi t\u00fcrleri, \u00f6rne\u011fin belirli devlet destekli krediler ya da yat\u0131r\u0131mc\u0131 taraf\u0131ndan yeniden yap\u0131land\u0131r\u0131lm\u0131\u015f krediler, uygun olmayabilir.<\/li>\n<li><strong>Bakiye do\u011frulu\u011fu \u00f6nemlidir.<\/strong> Ge\u00e7mi\u015fte ek \u00f6deme yapt\u0131ysan\u0131z <em>Bakiyeyi elle girin<\/em>i se\u00e7in ve ekstrenizdeki tam kapan\u0131\u015f bakiyesini kullan\u0131n \u2014 amortismanla bulunan tahmin, ge\u00e7mi\u015fteki ek anapara \u00f6demelerini yans\u0131tmaz.<\/li>\n<li><strong>Recast mi, erken kapama m\u0131?<\/strong> D\u00fc\u015f\u00fck zorunlu taksitlere de\u011fer veriyorsan\u0131z recast en iyi se\u00e7enektir. Amac\u0131n\u0131z salt faizi en aza indirmekse ve mevcut taksidi rahat\u00e7a \u00f6deyebiliyorsan\u0131z, pe\u015fin \u00f6demeden sonra taksidi de\u011fi\u015ftirmemek \u2014 ya da <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">ek \u00f6demeli kapama plan\u0131yla<\/a> kar\u015f\u0131la\u015ft\u0131rmak \u2014 finansal a\u00e7\u0131dan genellikle daha kazan\u00e7l\u0131d\u0131r.<\/li>\n<li><strong>F\u0131rsat maliyeti.<\/strong> Recast'e ayr\u0131lan para, yat\u0131r\u0131lmayan ya da acil durum rezervi olarak tutulmayan parad\u0131r; anaparaya uygulanan pe\u015fin \u00f6deme likit de\u011fildir. Mortgage faiz oran\u0131n\u0131za e\u015fit, garantili ve vergisiz bir getiri elde etmek, alternatiflerinizden daha k\u00e2rl\u0131 olup olmad\u0131\u011f\u0131n\u0131 de\u011ferlendirin.<\/li>\n<\/ul>\n<p>Son olarak, recast'in asla oran\u0131n\u0131z\u0131 riske atmad\u0131\u011f\u0131n\u0131 unutmay\u0131n: faiz oranlar\u0131 sizinkinin \u00e7ok alt\u0131na d\u00fc\u015ft\u00fcyse, karar vermeden \u00f6nce recast tasarrufunu yeniden finansmanla kar\u015f\u0131la\u015ft\u0131r\u0131n; oranlar y\u00fckseldiyse recast genellikle a\u00e7\u0131k ara kazanan taraft\u0131r, \u00e7\u00fcnk\u00fc oran\u0131n\u0131za dokunmadan taksit y\u00fck\u00fcn\u00fcz\u00fc hafifletir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tek seferlik bir pe\u015fin anapara \u00f6demesinin kredinizi nas\u0131l yeniden \u015fekillendirdi\u011fini g\u00f6r\u00fcn. Kredi bilgilerinizi girin; recast \u00f6ncesi ve sonras\u0131 ayl\u0131k anapara-faiz \u00f6demenizi, toplam faizinizi ve \u00fccretin kendini amorti etme s\u00fcresini kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/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-4191","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\/4191","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=4191"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4191\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}