{"id":4195,"date":"2026-11-02T10:40:19","date_gmt":"2026-11-02T10:40:19","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/ihtiyac-kredisi-hesaplama\/"},"modified":"2026-11-02T10:40:19","modified_gmt":"2026-11-02T10:40:19","slug":"ihtiyac-kredisi-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ihtiyac-kredisi-hesaplama\/","title":{"rendered":"\u0130htiya\u00e7 Kredisi 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\">Ayl\u0131k \u00f6demenizi, faizi ve toplam kredi maliyetinizi hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4195\" data-favorite-title=\"\u0130htiya\u00e7 Kredisi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ihtiyac-kredisi-hesaplama\/\" data-favorite-excerpt=\"\u0130htiya\u00e7 kredinizin ayl\u0131k taksitini, toplam faizini, dosya masraf\u0131 dahil efektif APR&#039;yi ve kapan\u0131\u015f tarihini hesaplay\u0131n. Kredi tutar\u0131n\u0131, APR&#039;yi, vadeyi ve masraf\u0131 girin; tam \u00f6deme plan\u0131n\u0131 (amortisman takvimini) 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\/ihtiyac-kredisi-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4195\" data-post=\"4195\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Kredi tutar\u0131<\/label><input type=\"text\" name=\"kredi_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"100\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">\u00c7ekmek istedi\u011finiz anapara tutar\u0131.<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Y\u0131ll\u0131k faiz oran\u0131<\/label><input type=\"text\" name=\"yllk_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=\"11.5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Kredi verenin a\u00e7\u0131klad\u0131\u011f\u0131 y\u0131ll\u0131k oran; dosya masraf\u0131 hari\u00e7tir.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Vade birimi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-3\" name=\"vade_birimi\"><option value=\"months\" selected>Ay<\/option><option value=\"years\">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\">Kredi vadesi<\/label><input type=\"text\" name=\"kredi_vadesi\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"48\"\/><small id=\"calc-info-4\">\u0130htiya\u00e7 kredilerinde vade genellikle 12\u201384 ay (1\u20137 y\u0131l) aras\u0131ndad\u0131r.<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Dosya masraf\u0131<\/label><div class=\"field-group\"><input type=\"text\" name=\"dosya_masraf\" id=\"field-5\" aria-describedby=\"calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1\"\/><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"masraf_tr\" aria-label=\"Masraf t\u00fcr\u00fc\"><option value=\"pct\" selected>Kredi tutar\u0131n\u0131n y\u00fczdesi<\/option><option value=\"usd\">Sabit 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-5\">\u0130htiya\u00e7 kredilerinde dosya masraf\u0131 genellikle tutar\u0131n %1\u201310&#039;u kadard\u0131r.<\/small><\/div><div class=\"field is-single\" id=\"input-6\"><label for=\"field-7\">Masraf\u0131n tahsil \u015fekli<\/label><div class=\"grid grid-cols-1\"><select id=\"field-7\" name=\"masrafn_tahsil_ekli\"><option value=\"deducted\" selected>Aktar\u0131lan tutardan kesilir (daha az para al\u0131rs\u0131n\u0131z)<\/option><option value=\"financed\">Kredi bakiyesine eklenir (kredinin par\u00e7as\u0131 olur)<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-8\">\u0130lk \u00f6deme tarihi<\/label><input type=\"date\" name=\"lk_deme_tarihi\" id=\"field-8\" aria-describedby=\"calc-info-8\" step=\"any\"\/><small id=\"calc-info-8\">Bo\u015f b\u0131rak\u0131rsan\u0131z ilk \u00f6demenin bug\u00fcnden bir ay sonra yap\u0131laca\u011f\u0131 varsay\u0131l\u0131r.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-9\">Ek ayl\u0131k \u00f6deme<\/label><input type=\"text\" name=\"ek_aylk_deme\" 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\">$<\/div><small id=\"calc-info-9\">Her \u00f6demeye eklenen iste\u011fe ba\u011fl\u0131 tutar; tasarruf ve \u00f6deme plan\u0131 buna g\u00f6re hesaplan\u0131r.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4195\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> \u0130htiya\u00e7 kredisi sonu\u00e7lar\u0131<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Ayl\u0131k \u00f6deme<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Toplam faiz<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Masraf dahil toplam maliyet<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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>Elinize ge\u00e7en net tutar<\/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>Masraf dahil etkin faiz oran\u0131<\/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>Kapan\u0131\u015f tarihi<\/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>Ek \u00f6deme tasarrufu<\/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 class=\"field-result is-column\" id=\"output-8\"><span class=\"field-title\"><span>Paran\u0131z nereye gidiyor<\/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>\u00d6deme plan\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=\"4195\" 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>\u0130htiya\u00e7 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\\[ M = P \\times \\frac{r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Anlamlar\u0131:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 kredi tutar\u0131 (geri \u00f6denen bakiye)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131: y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnm\u00fc\u015f h\u00e2li, ondal\u0131k olarak ifade edilir; dolay\u0131s\u0131yla \\(r = \\frac{APR}{1200}\\)<\/li>\n<li>\\(n\\) \u2014 toplam ayl\u0131k \u00f6deme say\u0131s\u0131 (vadenin ay cinsinden kar\u015f\u0131l\u0131\u011f\u0131)<\/li>\n<li>\\(M\\) \u2014 sabit ayl\u0131k taksit tutar\u0131<\/li>\n<\/ul>\n<p>Bu, standart amortisman form\u00fcl\u00fcd\u00fcr: \\(P\\) bakiyesini \\(n\\) e\u015fit ayl\u0131k taksitle faiziyle birlikte tam olarak kapatan ve son \u00f6demeden sonra bakiyeyi s\u0131f\u0131rlayan e\u015fit taksit tutar\u0131n\u0131 verir.<\/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>\u0130htiya\u00e7 Kredisi \u2013 \u00d6rnek Hesaplama<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 48 ay vadeyle, %11,5 APR \u00fczerinden 15.000 $ bor\u00e7 al\u0131yorsunuz ve fonlardan %1 dosya masraf\u0131 (origination fee) kesiliyor. Ayl\u0131k oran \\( r = 0.115 \/ 12 = 0.0095833 \\).<\/p>\n<p>\\[ M = 15000 \\times \\frac{0.0095833}{1 - (1.0095833)^{-48}} = 15000 \\times \\frac{0.0095833}{0.3673} \\approx 391.27 \\]<\/p>\n<p>\\[ \\text{Toplam faiz} = 391.27 \\times 48 - 15000 \\approx 3780.96 \\]<\/p>\n<p>\\[ \\text{Masraf} = 15000 \\times 0.01 = 150, \\quad \\text{net al\u0131nan tutar} = 15000 - 150 = 14850 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k taksit <strong>391,27 $<\/strong>. Toplam faiz yakla\u015f\u0131k <strong>3.781 $<\/strong>, dosya masraf\u0131 <strong>150 $<\/strong>, masraf dahil toplam maliyet ise kabaca <strong>18.931 $<\/strong>. Elinize yaln\u0131zca 14.850 $ ge\u00e7ti\u011fi h\u00e2lde 15.000 $ \u00fczerinden bor\u00e7 \u00f6dedi\u011finiz i\u00e7in, masraf\u0131 da hesaba katan efektif APR yakla\u015f\u0131k <strong>%12,04<\/strong>'e y\u00fckselir ve kredi <strong>48 ayl\u0131k \u00f6deme<\/strong>yle kapanm\u0131\u015f olur.<\/p>\n<p>\n\r\n<\/section>\n<h2>\u0130htiya\u00e7 Kredisi Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Kredi tutar\u0131n\u0131<\/strong> girin \u2014 almak istedi\u011finiz anapara miktar\u0131.<\/li>\n<li>Kredi verenin size quotation olarak sundu\u011fu, dosya masraf\u0131 \u00f6ncesindeki <strong>Faiz oran\u0131n\u0131 (APR)<\/strong> girin.<\/li>\n<li><strong>Vade birimini<\/strong> se\u00e7in \u2014 ay veya y\u0131l \u2014 ve <strong>Kredi vadesini<\/strong> yaz\u0131n (12 ile 84 ay aras\u0131nda herhangi bir de\u011fer).<\/li>\n<li><strong>Dosya masraf\u0131n\u0131<\/strong> girin ve <strong>\u00dccret t\u00fcr\u00fc<\/strong> se\u00e7icisiyle \u00fccretin kredi tutar\u0131n\u0131n bir y\u00fczdesi mi yoksa sabit bir dolar tutar\u0131 m\u0131 oldu\u011funu belirtin.<\/li>\n<li><strong>\u00dccretin tahsil \u015fekli<\/strong> ayar\u0131n\u0131 yap\u0131n: kredi veren \u00fccreti size \u00f6denen paradan kesiyorsa \"Fonlardan d\u00fc\u015f\u00fcl\u00fcr\", \u00fccret krediye dahil ediliyororsa \"Bakiyeye eklenir\" se\u00e7ene\u011fini i\u015faretleyin.<\/li>\n<li>\u0130ste\u011fe ba\u011fl\u0131 olarak <strong>il \u00f6deme tarihini<\/strong> girin; bo\u015f b\u0131rak\u0131rsan\u0131z ilk \u00f6demenin bug\u00fcnden bir ay sonra yap\u0131laca\u011f\u0131 varsay\u0131l\u0131r.<\/li>\n<li><strong>Ayl\u0131k ek \u00f6deme<\/strong> girerek ne kadar faizden tasarruf edece\u011finizi ve borcunuzdan ka\u00e7 ay \u00f6nce kurtulaca\u011f\u0131n\u0131z\u0131 g\u00f6r\u00fcn.<\/li>\n<\/ol>\n<p>Sonu\u00e7lar; ayl\u0131k taksiti, toplam faizi, masraf dahil toplam maliyeti, banka hesab\u0131n\u0131za ger\u00e7ekten ge\u00e7en net tutar\u0131, masraflar dahil efektif APR'yi ve kapan\u0131\u015f tarihini g\u00f6sterir; ayr\u0131ca bir pasta grafi\u011fi ve her ay\u0131 ayr\u0131 ayr\u0131 g\u00f6rebilece\u011finiz, y\u0131llara g\u00f6re a\u00e7\u0131labilen bir \u00f6deme plan\u0131 (amortisman takvimi) sunar.<\/p>\n<h2>Bu Hesaplama Arac\u0131 Size Neleri G\u00f6sterir?<\/h2>\n<p>\u0130htiya\u00e7 kredisi, belirli bir vade boyunca e\u015fit ayl\u0131k taksitlerle geri \u00f6dedi\u011finiz sabit bir para tutar\u0131 verir. Her taksit, faiz (kredi verenin kalan bakiye \u00fczerinden ald\u0131\u011f\u0131 bedel) ve anapara (borcunuzu azaltan k\u0131s\u0131m) aras\u0131nda b\u00f6l\u00fcn\u00fcr. Kredinin ba\u015f\u0131nda her taksitin b\u00fcy\u00fck k\u0131sm\u0131 faize gider; ilerleyen aylarda \u00e7o\u011fu anaparaya. \u00d6deme plan\u0131, bu ayr\u0131m\u0131 tek tek her ay i\u00e7in g\u00f6sterir.<\/p>\n<p>\u0130lan edilen APR her zaman i\u015fin tamam\u0131 anlatmaz. \u0130htiya\u00e7 kredisi verenlerin \u00e7o\u011fu, genellikle size \u00f6denen fondan kesilen %1\u201310 oran\u0131nda bir dosya masraf\u0131 al\u0131r: 15.000 $ bor\u00e7 al\u0131r ve %5 masraf \u00f6derseniz elinize 14.250 $ ge\u00e7er; ama faizi 15.000 $ \u00fczerinden \u00f6dersiniz. <strong>Masraf dahil efektif APR<\/strong>, \"ger\u00e7ekte ne \u00f6d\u00fcyorum?\" sorusunu yan\u0131tlar: \u00f6deme ak\u0131m\u0131n\u0131 elinize ger\u00e7ekten ge\u00e7en tutarla e\u015fitleyen oran\u0131 bulur. Ayn\u0131 APR'ye ama farkl\u0131 masraflara sahip iki kredi, ger\u00e7ek maliyet a\u00e7\u0131s\u0131ndan ciddi bi\u00e7imde farkl\u0131 olabilir.<\/p>\n<td>Teklifleri kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <strong>masraf dahil toplam maliyeti<\/strong> kullan\u0131n: bu tutar, \u00f6deyece\u011finiz her \u015fey eksi bor\u00e7 ald\u0131\u011f\u0131n\u0131z miktar \u2014 anapara art\u0131 faiz art\u0131 masraflar. Kredi verenleri kar\u015f\u0131la\u015ft\u0131r\u0131rken daima bu rakama ya da efektif APR'ye bak\u0131n; yaln\u0131zca g\u00f6sterilen faiz oran\u0131na de\u011fil. Bir krediyi di\u011fer bor\u00e7lar\u0131n\u0131zla kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-karti-faiz-hesaplayici\/\">kredi kart\u0131 faiz hesaplama arac\u0131m\u0131z<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">bor\u00e7 konsolidasyonu \u00f6deme hesaplay\u0131c\u0131s\u0131<\/a> \u015fu an ne \u00f6dedi\u011finizi ve bir kredinin size tasarruf sa\u011flay\u0131p sa\u011flamayaca\u011f\u0131n\u0131 g\u00f6sterebilir.<\/p>\n<h2>Vade, Ek \u00d6demeler ve Faizin Ger\u00e7ek Maliyeti<\/h2>\n<p>Vade se\u00e7imindeki \u00f6d\u00fcnle\u015fme a\u00e7\u0131kt\u0131r: k\u0131sa vade daha y\u00fcksek ayl\u0131k taksit ama \u00e7ok daha az faiz demektir; uzun vade b\u00fct\u00e7eyi rahatlat\u0131r ama toplamda daha pahal\u0131ya gelir. \u00d6rne\u011fin %11,5 faizli 15.000 $'l\u0131k bir kredi, 48 ayda yakla\u015f\u0131k 3.781 $ faize mal olur; vade 84 aya \u00e7ekildi\u011finde taksit d\u00fc\u015fer ama faiz 1.000 $'dan fazla artar. S\u00f6zle\u015fmeden \u00f6nce taksidin b\u00fct\u00e7enize rahat\u00e7a s\u0131\u011fd\u0131\u011f\u0131ndan emin olun; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">bor\u00e7\/gelir oran\u0131 hesaplama arac\u0131m\u0131z<\/a> ne kadar borcu g\u00fcvenle ta\u015f\u0131yabilece\u011finizi \u00f6l\u00e7menize yard\u0131mc\u0131 olur.<\/p>\n<p><strong>Ayl\u0131k ek \u00f6deme<\/strong> alan\u0131, ger\u00e7ek tasarrufun sakl\u0131 oldu\u011fu yerdir. Ek tutarlar do\u011frudan anaparaya gitti\u011fi i\u00e7in, tipik bir kredide ayda 50\u2013100 $ gibi k\u00fc\u00e7\u00fck tutarlar bile vadede birka\u00e7 ay k\u0131salt\u0131p y\u00fczlerce dolar faiz tasarrufu sa\u011flayabilir \u2014 hesaplama arac\u0131 tam olarak ne kadar kazand\u0131raca\u011f\u0131n\u0131 say\u0131salla\u015ft\u0131r\u0131r. Ayn\u0131 ilke daha b\u00fcy\u00fck bor\u00e7lar i\u00e7in de ge\u00e7erlidir: birden fazla bor\u00e7 i\u00e7in stratejiler g\u00f6rmek \u00fczere <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ek-odemeli-konut-kredisi-kapatma-hesaplama\/\">ek \u00f6demeli konut kredisi kapatma hesaplama arac\u0131m\u0131za<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-kartopu-hesaplayicisi-kartopu-vs-cig\/\">kartopu vs. \u00e7\u0131\u011f (snowball vs. avalanche) bor\u00e7 hesaplama arac\u0131na<\/a> g\u00f6z at\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li>Hesaplama arac\u0131, tam amortismana sahip bir kredide <strong>sabit faiz oran\u0131<\/strong> ve e\u015fit ayl\u0131k taksitler varsayar; de\u011fi\u015fken faizli veya yaln\u0131zca faiz \u00f6demeli kredileri modellemez.<\/li>\n<li>Faiz, ihtiya\u00e7 kredilerinde standart y\u00f6ntem oldu\u011fu \u00fczere, kalan bakiye \u00fczerinden ayl\u0131k olarak bile\u015fik hesaplan\u0131r.<\/li>\n<li>Yaln\u0131zca <strong>dosya masraf\u0131<\/strong> modellenmi\u015ftir. Gecikme \u00fccretleri, erken kapatma cezalar\u0131 veya \u00f6deme iadesi \u00fccretleri dahil de\u011fildir; bir\u00e7ok kredi veren erken kapatma cezas\u0131 almaz, dolay\u0131s\u0131yla ek \u00f6demeler genellikle size hi\u00e7bir \u015fey maliyet etmez.<\/li>\n<li>\u00dccret <strong>fondan d\u00fc\u015f\u00fcld\u00fc\u011f\u00fcnde<\/strong>, daha az para alman\u0131za ra\u011fmen faiz t\u00fcm kredi tutar\u0131 \u00fczerinden i\u015fler \u2014 efektif APR'nin verilen orandan y\u00fcksek olmas\u0131n\u0131n nedeni budur. \u00dccret kredinin i\u00e7ine <strong>dahil edilmi\u015fse<\/strong>, bakiyeye eklenir ve anapara ile birlikte amortisman takvimine yay\u0131l\u0131r.<\/li>\n<li>\u0130htiya\u00e7 kredilerinin vadesi genellikle 12\u201384 ay aras\u0131ndad\u0131r; hesaplama arac\u0131 bu aral\u0131\u011f\u0131n d\u0131\u015f\u0131ndaki vadeleri kabul etmez.<\/li>\n<li>Efektif APR, planlanan vade i\u00e7in hesaplan\u0131r ve ek \u00f6demelerin etkisini yans\u0131tmaz.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0130htiya\u00e7 kredinizin ayl\u0131k taksitini, toplam faizini, dosya masraf\u0131 dahil efektif APR'yi ve kapan\u0131\u015f tarihini hesaplay\u0131n. Kredi tutar\u0131n\u0131, APR'yi, vadeyi ve masraf\u0131 girin; tam \u00f6deme plan\u0131n\u0131 (amortisman takvimini) 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-4195","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\/4195","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=4195"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4195\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}