{"id":4204,"date":"2026-11-09T09:15:37","date_gmt":"2026-11-09T09:15:37","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/finans\/kapanis-maliyeti-hesaplama\/"},"modified":"2026-11-09T09:15:37","modified_gmt":"2026-11-09T09:15:37","slug":"kapanis-maliyeti-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kapanis-maliyeti-hesaplama\/","title":{"rendered":"Kapan\u0131\u015f maliyeti 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\">Kapan\u0131\u015f maliyetlerinizi ve kapan\u0131\u015fta \u00f6deyece\u011finiz nakiti tahmin edin<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4204\" data-favorite-title=\"Kapan\u0131\u015f maliyetleri\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kapanis-maliyeti-hesaplama\/\" data-favorite-excerpt=\"Bir konut sat\u0131n al\u0131rken kapan\u0131\u015f maliyetlerini ve kapan\u0131\u015fta gereken toplam nakdi tahmin edin. Fiyat, pe\u015fin \u00f6deme, kredi t\u00fcr\u00fc ve \u00fccret tutarlar\u0131n\u0131 girin; kredi vereni, \u00fc\u00e7\u00fcnc\u00fc taraf, resm\u00ee kurum ve \u00f6n \u00f6deme kalemlerinin ayr\u0131nt\u0131l\u0131 d\u00f6k\u00fcm\u00fcn\u00fc al\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\/kapanis-maliyeti-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4204\" data-post=\"4204\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Ev fiyat\u0131<\/label><input type=\"text\" name=\"ev_fiyat\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0.01\" value=\"400000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Evin sat\u0131n alma fiyat\u0131.<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Pe\u015finat<\/label><div class=\"field-group\"><input type=\"text\" name=\"peinat\" id=\"field-2\" aria-describedby=\"calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20\"\/><div class=\"grid grid-cols-1\"><select id=\"field-3\" name=\"olarak\" aria-label=\"Olarak\"><option value=\"pct\" selected>Fiyat\u0131n y\u00fczdesi<\/option><option value=\"usd\">$ 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-2\">Konvansiyonel kredide en az %3 (PMI&#039;dan ka\u00e7\u0131nmak i\u00e7in %5 ve \u00fczeri), FHA&#039;da %3,5, VA&#039;da %0.<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-4\">Kredi t\u00fcr\u00fc<\/label><div class=\"grid grid-cols-1\"><select id=\"field-4\" name=\"kredi_tr\"><option value=\"conv\" selected>Konvansiyonel<\/option><option value=\"fha\">FHA<\/option><option value=\"va\">VA<\/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\" hidden><label for=\"field-5\">FHA pe\u015fin MIP<\/label><input type=\"text\" name=\"fha_pein_mip\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"5\" value=\"1.75\"\/><div class=\"unit\" id=\"calc-unit-5\">Kredinin y\u00fczdesi<\/div><small id=\"calc-info-5\">Temel kredinin standart %1,75&#039;i; genellikle krediye eklenerek finanse edilir.<\/small><\/div><div class=\"field\" id=\"input-5\" hidden><label for=\"field-6\">VA fonlama \u00fccreti<\/label><input type=\"text\" name=\"va_fonlama_creti\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"5\" value=\"2.3\"\/><div class=\"unit\" id=\"calc-unit-6\">Kredinin y\u00fczdesi<\/div><small id=\"calc-info-6\">%5&#039;in alt\u0131nda pe\u015finatla ilk kullan\u0131mda %2,3, daha y\u00fcksek pe\u015finatla %1,5\u20131,65; sonraki kullan\u0131mlarda daha d\u00fc\u015f\u00fck.<\/small><\/div><div class=\"is-single field\" id=\"input-6\"><span class=\"font-semibold\">Kredi veren \u00fccretleri<\/span><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-8\">Faiz oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6.5\"\/><div class=\"unit\" id=\"calc-unit-8\">%<\/div><small id=\"calc-info-8\">Yaln\u0131zca pe\u015fin faizin tahmini i\u00e7in kullan\u0131l\u0131r.<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-9\">Kredi a\u00e7\u0131l\u0131\u015f \u00fccreti<\/label><div class=\"field-group\"><input type=\"text\" name=\"kredi_al_creti\" id=\"field-9\" aria-describedby=\"calc-info-9\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1\"\/><div class=\"grid grid-cols-1\"><select id=\"field-10\" name=\"olarak\" aria-label=\"Olarak\"><option value=\"loan_pct\" selected>Kredinin y\u00fczdesi<\/option><option value=\"flat\">Sabit $<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-9\">Genellikle kredinin %0,5\u20131&#039;i; masrafs\u0131z kredilerde 0.<\/small><\/div><div class=\"field\" id=\"input-9\"><label for=\"field-11\">\u0130ndirim puanlar\u0131<\/label><input type=\"text\" name=\"ndirim_puanlar\" id=\"field-11\" aria-describedby=\"calc-unit-11 calc-info-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"10\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">puan<\/div><small id=\"calc-info-11\">Her puan kredinin %1&#039;ine mal olur ve genellikle faiz oran\u0131n\u0131 yakla\u015f\u0131k %0,25 d\u00fc\u015f\u00fcr\u00fcr.<\/small><\/div><div class=\"is-single field\" id=\"input-10\"><span class=\"font-semibold\">\u00dc\u00e7\u00fcnc\u00fc taraf ve devlet \u00fccretleri<\/span><\/div><div class=\"field\" id=\"input-11\"><label for=\"field-13\">De\u011ferleme<\/label><input type=\"text\" name=\"deerleme\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-13\">$<\/div><\/div><div class=\"field\" id=\"input-12\"><label for=\"field-14\">Kredi raporu<\/label><input type=\"text\" name=\"kredi_raporu\" id=\"field-14\" aria-describedby=\"calc-unit-14\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"50\"\/><div class=\"unit\" id=\"calc-unit-14\">$<\/div><\/div><div class=\"field\" id=\"input-13\"><label for=\"field-15\">Ev denetimi<\/label><input type=\"text\" name=\"ev_denetimi\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"400\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"field\" id=\"input-14\"><label for=\"field-16\">Avukat \u00fccreti<\/label><input type=\"text\" name=\"avukat_creti\" id=\"field-16\" aria-describedby=\"calc-unit-16 calc-info-16\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-16\">$<\/div><small id=\"calc-info-16\">Escrow temsilcisinin kullan\u0131ld\u0131\u011f\u0131 eyaletlerde 0 $; avukatla kapan\u0131\u015f yap\u0131lan eyaletlerde genellikle 500 $\u20131.500 $.<\/small><\/div><div class=\"field\" id=\"input-15\"><label for=\"field-17\">Tapu sigortas\u0131<\/label><div class=\"field-group\"><input type=\"text\" name=\"tapu_sigortas\" id=\"field-17\" aria-describedby=\"calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0.5\"\/><div class=\"grid grid-cols-1\"><select id=\"field-18\" name=\"olarak\" aria-label=\"Olarak\"><option value=\"pct_price\" selected>Fiyat\u0131n y\u00fczdesi<\/option><option value=\"flat\">Sabit $<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><small id=\"calc-info-17\">Ev sahibi ve kredi veren poli\u00e7elerinin toplam\u0131; oranlar eyaletten eyalete b\u00fcy\u00fck \u00f6l\u00e7\u00fcde de\u011fi\u015fir.<\/small><\/div><div class=\"field\" id=\"input-16\"><label for=\"field-19\">Tapu, escrow ve devir \u00fccreti<\/label><input type=\"text\" name=\"tapu_escrow_ve_devir_creti\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1000\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-20\">Tescil \u00fccretleri<\/label><input type=\"text\" name=\"tescil_cretleri\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"150\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-21\">Devir vergisi<\/label><input type=\"text\" name=\"devir_vergisi\" id=\"field-21\" aria-describedby=\"calc-unit-21 calc-info-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"0.5\"\/><div class=\"unit\" id=\"calc-unit-21\">Fiyat\u0131n y\u00fczdesi<\/div><small id=\"calc-info-21\">Bir\u00e7ok eyalette %0; NY, NJ ve DE&#039;nin baz\u0131 b\u00f6lgelerinde %2&#039;nin \u00fczerinde. Baz\u0131 eyaletler ilk kez ev alanlar\u0131 muaf tutar.<\/small><\/div><div class=\"is-single field\" id=\"input-19\"><span class=\"font-semibold\">Pe\u015fin \u00f6denenler ve escrow kalemleri<\/span><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-23\">Emlak vergisi oran\u0131<\/label><input type=\"text\" name=\"emlak_vergisi_oran\" id=\"field-23\" aria-describedby=\"calc-unit-23 calc-info-23\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"10\" value=\"1.1\"\/><div class=\"unit\" id=\"calc-unit-23\">% \/ y\u0131l<\/div><small id=\"calc-info-23\">Y\u0131ll\u0131k emlak vergisinin fiyata oran\u0131; ABD ortalamas\u0131 yakla\u015f\u0131k %1,1.<\/small><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-24\">Pe\u015fin faiz g\u00fcn say\u0131s\u0131<\/label><input type=\"text\" name=\"pein_faiz_gn_says\" id=\"field-24\" aria-describedby=\"calc-unit-24 calc-info-24\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"62\" value=\"15\"\/><div class=\"unit\" id=\"calc-unit-24\">g\u00fcn<\/div><small id=\"calc-info-24\">Kapan\u0131\u015ftan ay sonuna kadar ge\u00e7en g\u00fcnler, g\u00fcnl\u00fck kredi faiziniz \u00fczerinden faturaland\u0131r\u0131l\u0131r.<\/small><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-25\">Pe\u015fin emlak vergisi<\/label><input type=\"text\" name=\"pein_emlak_vergisi\" id=\"field-25\" aria-describedby=\"calc-unit-25 calc-info-25\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"12\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-25\">ay<\/div><small id=\"calc-info-25\">Kapan\u0131\u015fta escrow hesab\u0131na yat\u0131r\u0131lan ayl\u0131k emlak vergisi tutar\u0131.<\/small><\/div><div class=\"field\" id=\"input-23\"><label for=\"field-26\">Konut sigortas\u0131 primi<\/label><input type=\"text\" name=\"konut_sigortas_primi\" id=\"field-26\" aria-describedby=\"calc-unit-26 calc-info-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1500\"\/><div class=\"unit\" id=\"calc-unit-26\">$ \/ y\u0131l<\/div><small id=\"calc-info-26\">Kapan\u0131\u015fta normalde 12 ayl\u0131k primin tamam\u0131 tahsil edilir.<\/small><\/div><div class=\"field\" id=\"input-24\"><label for=\"field-27\">Escrow rezervleri<\/label><input type=\"text\" name=\"escrow_rezervleri\" id=\"field-27\" aria-describedby=\"calc-unit-27 calc-info-27\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"12\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-27\">ay<\/div><small id=\"calc-info-27\">Escrow hesab\u0131nda tutulan vergi + sigorta tamponu (genellikle 2 ay).<\/small><\/div><div class=\"field\" id=\"input-25\"><label for=\"field-28\">HOA devir \u00fccreti<\/label><input type=\"text\" name=\"hoa_devir_creti\" id=\"field-28\" aria-describedby=\"calc-unit-28 calc-info-28\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-28\">$<\/div><small id=\"calc-info-28\">Yaln\u0131zca HOA veya apartman al\u0131mlar\u0131nda; genellikle 100 $\u2013400 $ (\u00e7o\u011fu zaman sat\u0131c\u0131 \u00f6der).<\/small><\/div><div class=\"is-single field\" id=\"input-26\"><span class=\"font-semibold\">Kapan\u0131\u015fa uygulanan alacaklar<\/span><\/div><div class=\"field\" id=\"input-27\"><label for=\"field-30\">Sat\u0131c\u0131 katk\u0131lar\u0131<\/label><input type=\"text\" name=\"satc_katklar\" id=\"field-30\" aria-describedby=\"calc-unit-30 calc-info-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">$<\/div><small id=\"calc-info-30\">Sat\u0131c\u0131n\u0131n masraflar\u0131n\u0131za katk\u0131 olarak \u00f6dedi\u011fi tutarlar; kredi verenler bunlar\u0131 kredi t\u00fcr\u00fcne ve pe\u015finata g\u00f6re s\u0131n\u0131rlar.<\/small><\/div><div class=\"field\" id=\"input-28\"><label for=\"field-31\">\u00d6nceden \u00f6denen kapora<\/label><input type=\"text\" name=\"nceden_denen_kapora\" id=\"field-31\" aria-describedby=\"calc-unit-31 calc-info-31\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-31\">$<\/div><small id=\"calc-info-31\">Escrow&#039;da tutulan kapora; kapan\u0131\u015fta size iade edilir.<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"4204\">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> Kapan\u0131\u015f maliyeti tahmini<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Toplam kapan\u0131\u015f maliyetleri<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Kapan\u0131\u015f maliyetleri<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"Fiyat\u0131n y\u00fczdesi\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Kapan\u0131\u015fta \u00f6denecek toplam nakit<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Kredi veren \u00fccretleri<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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>\u00dc\u00e7\u00fcnc\u00fc taraf ve devlet<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Pe\u015fin \u00f6denenler ve escrow kalemleri<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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>Kapan\u0131\u015fta \u00f6denecek nakit d\u00f6k\u00fcm\u00fc<\/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>Kalem kalem kapan\u0131\u015f maliyetleri<\/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=\"4204\" 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>Kapan\u0131\u015f maliyetleri<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ L = P - D \\qquad C_L = O + 0.01\\,nL + G \\]\n\\[ C_T = A + Cr + H + At + TI + Es + R + 0.01\\,tP \\]\n\\[ C_P = \\frac{Lr}{365}\\,d + \\frac{P\\tau}{1200}\\,m_t + Y + \\left(\\frac{P\\tau}{1200} + \\frac{Y}{12}\\right)m_e + F \\]\n\\[ C = C_L + C_T + C_P \\qquad K = D + C - S - E \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>G\u00f6sterimler:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 ev fiyat\u0131; \\(D\\) \u2014 pe\u015fin \u00f6deme; \\(L\\) \u2014 kredi tutar\u0131<\/li>\n<li>\\(O\\) \u2014 kredi a\u00e7\u0131l\u0131\u015f \u00fccreti; \\(n\\) \u2014 indirim puan\u0131; \\(G\\) \u2014 FHA pe\u015fin MIP veya VA finansman \u00fccreti (dolar olarak)<\/li>\n<li>\\(A, Cr, H, At\\) \u2014 de\u011ferleme (ekspertiz), kredi raporu, ev denetimi ve avukat \u00fccretleri<\/li>\n<li>\\(TI, Es, R\\) \u2014 tapu sigortas\u0131, tapu\/escrow\/kapan\u0131\u015f \u00fccreti, tescil \u00fccreti; \\(t\\) \u2014 devir vergisi oran\u0131 (fiyat\u0131n y\u00fczdesi)<\/li>\n<li>\\(r\\) \u2014 y\u0131ll\u0131k faiz oran\u0131; \\(d\\) \u2014 \u00f6n \u00f6denmi\u015f faiz g\u00fcn say\u0131s\u0131; \\(\\tau\\) \u2014 emlak vergisi oran\u0131; \\(m_t, m_e\\) \u2014 \u00f6n \u00f6denmi\u015f vergi ve escrow rezervi ay say\u0131s\u0131; \\(Y\\) \u2014 y\u0131ll\u0131k sigorta primi; \\(F\\) \u2014 HOA (site y\u00f6netimi) devir \u00fccreti<\/li>\n<li>\\(C\\) \u2014 toplam kapan\u0131\u015f maliyetleri; \\(S\\) \u2014 sat\u0131c\u0131 kredileri; \\(E\\) \u2014 \u00f6nceden \u00f6denen kapora; \\(K\\) \u2014 kapan\u0131\u015f i\u00e7in gereken nakit<\/li>\n<\/ul>\n<p>Form\u00fcl, resm\u00ee Kredi Tahmini'ndeki \u00fc\u00e7 standart maliyet grubunu \u2014 kredi vereni \u00fccretleri, \u00fc\u00e7\u00fcnc\u00fc taraf ve resm\u00ee kurum \u00fccretleri ile \u00f6n \u00f6deme\/escrow kalemleri \u2014 toplar; ard\u0131ndan bunlar\u0131 pe\u015fin \u00f6demeyle birle\u015ftirir ve kredileri d\u00fc\u015ferek kapan\u0131\u015fta elinizde olmas\u0131 gereken nakit 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>Kapan\u0131\u015f maliyetleri \u2013 hesaplama \u00f6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 400.000 dolarl\u0131k bir ev, y\u00fczde 20 pe\u015fin \u00f6deme, y\u00fczde 6,5 faizli konvansiyonel kredi, y\u00fczde 1 kredi a\u00e7\u0131l\u0131\u015f \u00fccreti, 0 indirim puan\u0131, 500 dolar de\u011ferleme, 50 dolar kredi raporu, 400 dolar ev denetimi, fiyat\u0131n y\u00fczde 0,5'i tutar\u0131nda tapu sigortas\u0131, 1.000 dolar tapu\/escrow \u00fccreti, 150 dolar tescil \u00fccreti, y\u00fczde 0,5 devir vergisi, y\u00fczde 1,1 emlak vergisi oran\u0131, 15 g\u00fcnl\u00fck \u00f6n \u00f6denmi\u015f faiz, 2 ay \u00f6n \u00f6denmi\u015f vergi, 1.500 dolar y\u0131ll\u0131k sigorta primi, 2 ayl\u0131k escrow rezervi ve \u015fimdiden yat\u0131r\u0131lm\u0131\u015f 5.000 dolar kapora.<\/p>\n<p>\\[ L = 400{,}000 - 400{,}000 \\times 0.20 = 320{,}000 \\]<br \/>\n\\[ C_L = 320{,}000 \\times 0.01 = 3{,}200 \\]<br \/>\n\\[ C_T = 500 + 50 + 400 + 2{,}000 + 1{,}000 + 150 + 2{,}000 = 6{,}100 \\]<br \/>\n\\[ C_P = 854.79 + 733.33 + 1{,}500 + 983.33 = 4{,}071.46 \\]<br \/>\n\\[ C = 3{,}200 + 6{,}100 + 4{,}071.46 = 13{,}371.46 \\]<br \/>\n\\[ K = 80{,}000 + 13{,}371.46 - 5{,}000 = 88{,}371.46 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> toplam kapan\u0131\u015f maliyetleri <strong>$13.371,46<\/strong>, yani sat\u0131n alma fiyat\u0131n\u0131n y\u00fczde 3,34'\u00fc; 5.000 dolarl\u0131k kapora d\u00fc\u015f\u00fcld\u00fckten sonra kapan\u0131\u015f i\u00e7in gereken toplam nakit ise <strong>$88.371,46<\/strong>.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama arac\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Ev fiyat\u0131n\u0131<\/strong> ve <strong>pe\u015fin \u00f6demeyi<\/strong> girin; pe\u015fin \u00f6demenin fiyat\u0131n y\u00fczdesi mi yoksa dolar tutar\u0131 m\u0131 oldu\u011funu se\u00e7in.<\/li>\n<li><strong>Kredi t\u00fcr\u00fcn\u00fc<\/strong> se\u00e7in. FHA, <strong>pe\u015fin MIP<\/strong> alan\u0131n\u0131; VA, <strong>finansman \u00fccreti<\/strong> alan\u0131n\u0131 g\u00f6sterir; Konvansiyonel se\u00e7ildi\u011finde ikisi de gizlenir.<\/li>\n<li>Kredi vereni \u00fccretlerini doldurun: <strong>Faiz oran\u0131<\/strong> (yaln\u0131zca \u00f6n \u00f6denmi\u015f faiz i\u00e7in kullan\u0131l\u0131r), <strong>kredi a\u00e7\u0131l\u0131\u015f \u00fccreti<\/strong> (kredinin y\u00fczde olarak veya sabit dolar tutar\u0131) ve <strong>indirim puanlar\u0131<\/strong>.<\/li>\n<li>\u00dc\u00e7\u00fcnc\u00fc taraf ve resm\u00ee kurum \u00fccretlerini g\u00f6zden ge\u00e7irin: <strong>de\u011ferleme<\/strong>, <strong>kredi raporu<\/strong>, <strong>ev denetimi<\/strong>, <strong>avukat \u00fccreti<\/strong>, <strong>tapu sigortas\u0131<\/strong>, <strong>tapu, escrow ve kapan\u0131\u015f \u00fccreti<\/strong>, <strong>tescil \u00fccretleri<\/strong> ve <strong>devir vergisi<\/strong>.<\/li>\n<li>\u00d6n \u00f6deme ve escrow kalemlerini ayarlay\u0131n: <strong>emlak vergisi oran\u0131<\/strong>, <strong>\u00f6n \u00f6denmi\u015f faiz g\u00fcn say\u0131s\u0131<\/strong>, <strong>\u00f6n \u00f6denmi\u015f emlak vergisi<\/strong>, <strong>konut sigortas\u0131 primi<\/strong>, <strong>escrow rezervi<\/strong> ve <strong>HOA devir \u00fccreti<\/strong>.<\/li>\n<li>Varsa <strong>sat\u0131c\u0131 kredilerini<\/strong> ve <strong>\u00f6nceden \u00f6denen kaporay\u0131<\/strong> girin, ard\u0131ndan toplamlar\u0131 okuyun: toplam kapan\u0131\u015f maliyetleri, kapan\u0131\u015f maliyetlerinin fiyat\u0131n y\u00fczdesi olarak oran\u0131, kapan\u0131\u015f i\u00e7in gereken nakitin d\u00f6k\u00fcm\u00fc ve t\u00fcm kalemleri tek tek g\u00f6steren maliyet tablosu.<\/li>\n<\/ol>\n<h2>Kapan\u0131\u015f maliyetleri nedir ve neden \u00f6nemlidir?<\/h2>\n<p>Kapan\u0131\u015f maliyetleri, bir konut sat\u0131n al\u0131m\u0131n\u0131n tamamlanmas\u0131 s\u0131ras\u0131nda \u00f6denmesi gereken \u00fccret ve masraflard\u0131r. Kredi vereninizin size g\u00f6nderdi\u011fi resm\u00ee Kredi Tahmini'nin b\u00f6l\u00fcmlerini yans\u0131tan \u00fc\u00e7 gruba ayr\u0131l\u0131rlar. <strong>Kredi vereni \u00fccretleri<\/strong>, kredi a\u00e7\u0131l\u0131\u015f \u00fccretini, indirim puanlar\u0131n\u0131 ve \u2014 FHA veya VA kredilerinde \u2014 pe\u015fin mortgage sigorta primini ya da finansman \u00fccretini kapsar. <strong>\u00dc\u00e7\u00fcnc\u00fc taraf ve resm\u00ee kurum \u00fccretleri<\/strong>, de\u011ferleme, tapu sigortas\u0131 ve tap\u0131n\u0131n tescili gibi hizmetlerin yan\u0131 s\u0131ra eyaletinizin veya il\u00e7enizin ald\u0131\u011f\u0131 devir vergisini de i\u00e7erir. <strong>\u00d6n \u00f6deme ve escrow kalemleri<\/strong> ise ger\u00e7ekte \u00fccret bile de\u011fildir: mortgage faizinizin ilk aylar\u0131n\u0131, emlak vergilerinizi ve konut sigortan\u0131z\u0131 pe\u015fin \u00f6derler ve escrow hesab\u0131n\u0131z\u0131n bulundurmas\u0131 gereken tamponu beslerler.<\/p>\n<p>Kritik bir ayr\u0131m, <em>kapan\u0131\u015f maliyetleri<\/em> ile <em>kapan\u0131\u015f i\u00e7in gereken nakit<\/em> aras\u0131ndaki farkt\u0131r. Kapan\u0131\u015f i\u00e7in gereken nakit, kapan\u0131\u015f maliyetlerine pe\u015fin \u00f6demenizi ekler; ard\u0131ndan ki\u015fisel olarak masaya koyaca\u011f\u0131n\u0131z tutar\u0131 azaltan her \u015feyi \u2014 s\u00f6zle\u015fmenizde pazarl\u0131k etti\u011finiz sat\u0131c\u0131 kredileri ile kapan\u0131\u015fta size iade edilen, \u00f6nceden \u00f6dedi\u011finiz kaporay\u0131 \u2014 d\u00fc\u015fer. Banka hesab\u0131n\u0131zla kar\u015f\u0131la\u015ft\u0131rman\u0131z gereken say\u0131 budur ve Kapan\u0131\u015f Bildirimi'ninizin en alt sat\u0131r\u0131ndaki rakam da budur.<\/p>\n<p>\u00dclke genelinde kapan\u0131\u015f maliyetleri, pe\u015fin \u00f6deme hari\u00e7 tipik olarak sat\u0131n alma fiyat\u0131n\u0131n <strong>y\u00fczde 2\u20135'i<\/strong> kadard\u0131r. Aral\u0131\u011f\u0131n bu kadar geni\u015f olmas\u0131n\u0131n nedeni, konumun neredeyse her \u015feyden daha fazla belirleyici olmas\u0131d\u0131r: tapu sigortas\u0131, devir vergileri ve kapan\u0131\u015f\u0131n mutlaka bir avukat taraf\u0131ndan y\u00fcr\u00fct\u00fclmesi zorunlulu\u011fu toplam\u0131 binlerce dolar de\u011fi\u015ftirebilir. \u0130mza g\u00fcn\u00fc yakla\u015ft\u0131\u011f\u0131nda elinizdeki ger\u00e7ek Kredi Tahmini'ni bu tahminle sat\u0131r sat\u0131r kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 hesaplama arac\u0131ndaki her alan\u0131n d\u00fczenlenebilir olmas\u0131 tam da bundan, yani varsay\u0131lanlar\u0131 kredi vereninizin ger\u00e7ek rakamlar\u0131yla de\u011fi\u015ftirebilmeniz i\u00e7indir.<\/p>\n<p>D\u00fc\u015f\u00fck bir \"kapan\u0131\u015f i\u00e7in gereken nakit\" rakam\u0131 her zaman daha ucuz bir kredi anlam\u0131na gelmez. \u00d6rne\u011fin indirim puanlar\u0131 bug\u00fcnk\u00fc maliyetlerinizi art\u0131r\u0131r ama mortgage'nizin t\u00fcm s\u00fcresi boyunca faiz oran\u0131n\u0131z\u0131 d\u00fc\u015f\u00fcr\u00fcr; yaln\u0131zca faiz oran\u0131na bakarak teklifleri kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, bir kredi vereninin kabul edece\u011fi <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-gelir-orani-hesaplama\/\">gelir-bor\u00e7 oran\u0131<\/a> da ne kadar pahal\u0131 bir ev alabilece\u011finizi etkiler ve bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/fha-kredi-hesaplayici-mip-dahil\/\">FHA kredi hesaplama arac\u0131<\/a>, burada pe\u015fin \u00fccret olarak g\u00f6sterilen mortgage sigortas\u0131n\u0131n uzun vadeli maliyetini g\u00f6sterebilir.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve pratik ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>\u00d6n \u00f6denmi\u015f faiz kapan\u0131\u015f tarihinize ba\u011fl\u0131d\u0131r.<\/strong> Kapan\u0131\u015ftan ay\u0131n sonuna kadar ge\u00e7en g\u00fcnler i\u00e7in faturaland\u0131r\u0131l\u0131rs\u0131n\u0131z; ay\u0131n son g\u00fcn\u00fcnde kapanmak bu \u00fccreti en aza indirir (0 g\u00fcn), ay\u0131n ba\u015f\u0131nda kapanmak en y\u00fckse\u011fe \u00e7\u0131kar\u0131r (31 g\u00fcne kadar).<\/li>\n<li><strong>FHA ve VA devlet \u00fccretleri genellikle krediye eklenir.<\/strong> Hesaplama arac\u0131 pe\u015fin MIP'yi ve finansman \u00fccretini \u00f6denecek nakit olarak sayar, ancak bor\u00e7lular\u0131n \u00e7o\u011fu bunlar\u0131 kredi bakiyesine dahil eder; bu, kapan\u0131\u015f i\u00e7in gereken nakiti bu tutar kadar azalt\u0131r ve taksitleri biraz art\u0131r\u0131r.<\/li>\n<li><strong>Sat\u0131c\u0131 kredilerinin \u00fcst s\u0131n\u0131r\u0131 vard\u0131r.<\/strong> Kredi verenleri, kredi t\u00fcr\u00fcne ve pe\u015fin \u00f6demeye g\u00f6re tavizleri s\u0131n\u0131rlar \u2014 konvansiyonel kredilerde yayg\u0131n olarak fiyat\u0131n y\u00fczde 3\u20139'u. \u00dcst s\u0131n\u0131r\u0131n \u00fczerindeki krediler uygulanamaz.<\/li>\n<li><strong>Baz\u0131 maliyetler pazarl\u0131k konusu olabilir ya da tamamen atlanabilir.<\/strong> Kapan\u0131\u015f maliyeti olmayan krediler, daha d\u00fc\u015f\u00fck bir ba\u015flang\u0131\u00e7 faturas\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda daha y\u00fcksek faiz oran\u0131 sunar; avukat \u00fccretleri yaln\u0131zca kapan\u0131\u015f\u0131n avukat taraf\u0131ndan y\u00fcr\u00fct\u00fcld\u00fc\u011f\u00fc eyaletlerde ge\u00e7erlidir ve sat\u0131c\u0131lar bazen genel bir kredi vermek yerine belirli kalemleri do\u011frudan \u00f6der.<\/li>\n<li><strong>Kesin rakamlar Kapan\u0131\u015f Bildirimi'nde yer al\u0131r.<\/strong> Yasaya g\u00f6re kapan\u0131\u015ftan en az \u00fc\u00e7 i\u015f g\u00fcn\u00fc \u00f6nce elinize ula\u015f\u0131r; bu tahminle kar\u015f\u0131la\u015ft\u0131r\u0131n ve \u00f6nemli \u00f6l\u00e7\u00fcde farkl\u0131 olan her sat\u0131r\u0131 sorgulay\u0131n.<\/li>\n<li><strong>K\u00fc\u00e7\u00fck bir tampon b\u00fct\u00e7eleyin.<\/strong> Tahminler nadiren kuru\u015fu kuru\u015funa do\u011fru \u00e7\u0131kar; ayr\u0131ca ta\u015f\u0131nma masraflar\u0131, abonelik depozitolar\u0131 ve acil onar\u0131mlar buraya dahil de\u011fildir. Piyakan\u0131zda ev alman\u0131n kiralamaktan \ub354 iyi olup olmad\u0131\u011f\u0131n\u0131 h\u00e2l\u00e2 tart\u0131yorsan\u0131z, bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kira-mi-alim-hesaplayici\/\">kiral\u0131k m\u0131 ev mi hesaplama arac\u0131<\/a> kapan\u0131\u015f maliyetlerini daha geni\u015f bir \u00e7er\u00e7eveye yerle\u015ftirebilir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bir konut sat\u0131n al\u0131rken kapan\u0131\u015f maliyetlerini ve kapan\u0131\u015fta gereken toplam nakdi tahmin edin. Fiyat, pe\u015fin \u00f6deme, kredi t\u00fcr\u00fc ve \u00fccret tutarlar\u0131n\u0131 girin; kredi vereni, \u00fc\u00e7\u00fcnc\u00fc taraf, resm\u00ee kurum ve \u00f6n \u00f6deme kalemlerinin ayr\u0131nt\u0131l\u0131 d\u00f6k\u00fcm\u00fcn\u00fc al\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-4204","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\/4204","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=4204"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/4204\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=4204"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=4204"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=4204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}