{"id":422,"date":"2026-10-03T14:12:18","date_gmt":"2026-10-03T13:12:18","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/konut-edeerli-kredi-limiti-hesaplama\/"},"modified":"2026-10-03T14:12:18","modified_gmt":"2026-10-03T13:12:18","slug":"konut-edeerli-kredi-limiti-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/konut-edeerli-kredi-limiti-hesaplama\/","title":{"rendered":"Konut Kredisi Kullan\u0131labilir Limit (HELOC) Hesaplama Arac\u0131"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">HELOC Ayl\u0131k \u00d6deme Hesaplama Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"422\" data-favorite-title=\"Konut Ede\u011ferli Kredi Limiti (HELOC)\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/konut-edeerli-kredi-limiti-hesaplama\/\" data-favorite-excerpt=\"HELOC&#039;unuzu belirli bir ay say\u0131s\u0131nda kapatmak i\u00e7in gereken ayl\u0131k \u00f6demeyi tahmin edin. Gerekli \u00f6demeyi g\u00f6rmek i\u00e7in bakiyenizi, faiz oran\u0131n\u0131, kapatma hedefinizi, yeni ayl\u0131k harcamalar\u0131n\u0131z\u0131 ve y\u0131ll\u0131k \u00fccreti girin.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-loan\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/tr\/finans\/konut-edeerli-kredi-limiti-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-422\" data-post=\"422\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Mevcut Bakiye<\/label><input type=\"text\" name=\"mevcut_bakiye\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Mevcut HELOC bakiyenizi girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Mevcut Ayl\u0131k \u00d6deme<\/label><input type=\"text\" name=\"mevcut_aylk_deme\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Mevcut ayl\u0131k \u00f6demenizi girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Faiz Oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u00d6deme Hedefi (ay olarak)<\/label><input type=\"text\" name=\"deme_hedefi_ay_olarak\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"60\"\/><div class=\"unit\" id=\"calc-unit-4\">ay<\/div><small id=\"calc-info-4\">Krediyi kapatmak i\u00e7in hedefledi\u011finiz ay say\u0131s\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Ayl\u0131k Yeni Harcamalar<\/label><input type=\"text\" name=\"aylk_yeni_harcamalar\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><small id=\"calc-info-5\">Her ay ekledi\u011finiz yeni harcamalar\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Y\u0131ll\u0131k \u00dccret<\/label><input type=\"text\" name=\"yllk_cret\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Varsa y\u0131ll\u0131k \u00fccreti girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"422\">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> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Kredi Limitinin Ay Olarak Kapat\u0131lmas\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"ay\"><\/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>Yeni Ayl\u0131k \u00d6deme<\/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><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=\"422\" 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>HELOC \u00d6deme 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 \\times r}{1 - (1 + r)^{-n}} + C + \\frac{F}{12} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong> Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 yeni ayl\u0131k \u00f6deme ($)<\/li>\n<li>\\(B\\) \u2014 g\u00fcncel HELOC kalan bakiyesi ($)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnm\u00fc\u015f h\u00e2li)<\/li>\n<li>\\(n\\) \u2014 ay cinsinden kapatma hedefi<\/li>\n<li>\\(C\\) \u2014 her ay limite eklenen yeni harcamalar ($)<\/li>\n<li>\\(F\\) \u2014 HELOC \u00fczerinden al\u0131nan y\u0131ll\u0131k \u00fccret ($)<\/li>\n<\/ul>\n<p>\u0130lk terim, standart amortismanl\u0131 kredi \u00f6demesidir: ayl\u0131k \\(r\\) oran\u0131yla \\(B\\) bakiyesini \\(n\\) ay i\u00e7inde tamamen kapatan, e\u015fit tutarl\u0131 \u00f6demedir. Yeni harcamalar ve y\u0131ll\u0131k \u00fccretin on ikide biri bunun \u00fczerine eklenir; \u00e7\u00fcnk\u00fc bunlar\u0131n da her ay kar\u015f\u0131lanmas\u0131 gerekir.<\/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>HELOC \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> HELOC'unuzda y\u0131ll\u0131k %6 faiz oran\u0131yla 20.000 $ borcunuz var ve bunu 60 ayda kapatmak istiyorsunuz. Yeni harcama yapm\u0131yorsunuz ve limitte y\u0131ll\u0131k \u00fccret yok.<\/p>\n<p>\\[ r = \\frac{6\\%}{12} = 0.005 \\]<\/p>\n<p>\\[ P = \\frac{20{,}000 \\times 0.005}{1 - (1 + 0.005)^{-60}} = \\frac{100}{1 - 0.74137} = \\frac{100}{0.25863} \\]<\/p>\n<p>\\[ P \\approx 386.66 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bakiyeyi 60 ayda kapatmak i\u00e7in ayda yakla\u015f\u0131k <strong>386,66 $<\/strong> \u00f6demeniz gerekiyor. Bu s\u00fcre boyunca toplam yakla\u015f\u0131k 23.200 $ \u00f6dersiniz; bunun yakla\u015f\u0131k 3.200 $'\u0131 faizdir.<\/p>\n<p>\n\r\n<\/section>\n<h2>HELOC Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>G\u00fcncel Bakiyenizi<\/strong> girin \u2014 kredi limitinde \u015fu anda ne kadar borcunuz oldu\u011funu.<\/li>\n<li><strong>G\u00fcncel Ayl\u0131k \u00d6demenizi<\/strong> girin \u2014 bu, hesaplanan \u00f6demeyle kar\u015f\u0131la\u015ft\u0131rma amac\u0131yla g\u00f6sterilir (yeni \u00f6deme, \u015fu an \u00f6dedi\u011finiz tutardan de\u011fil, bakiyenizden, faiz oran\u0131n\u0131zdan ve kapatma hedefinizden hesaplan\u0131r).<\/li>\n<li><strong>Faiz Oran\u0131n\u0131<\/strong> girin \u2014 HELOC'unuzdaki y\u0131ll\u0131k oran\u0131, y\u00fczde olarak.<\/li>\n<li><strong>Kapatma Hedefinizi (ay olarak)<\/strong> girin \u2014 bakiyenin geri \u00f6denmesini istedi\u011finiz hedef ay say\u0131s\u0131n\u0131.<\/li>\n<li><strong>Ayl\u0131k Yeni Harcamalar\u0131<\/strong> girin \u2014 her ay limitten \u00e7ekmeyi planlad\u0131\u011f\u0131n\u0131z tutar. Geri \u00f6deme s\u0131ras\u0131nda limit dondurulmu\u015fsa 0'da b\u0131rak\u0131n.<\/li>\n<li><strong>Y\u0131ll\u0131k \u00dccreti<\/strong> girin \u2014 kredi vericinizin ald\u0131\u011f\u0131 y\u0131ll\u0131k bak\u0131m \u00fccreti (varsa). Hesaplama arac\u0131 bu \u00fccreti 12 ayl\u0131k \u00f6demeye e\u015fit olarak da\u011f\u0131t\u0131r.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Kredi Limitini Ay Cinsinden Kapatma<\/strong> hedefinizi teyit eder, <strong>Yeni Ayl\u0131k \u00d6deme<\/strong> ise bu hedefe ula\u015fmak i\u00e7in gereken \u00f6demeyi g\u00f6sterir.<\/li>\n<\/ol>\n<h2>HELOC Nedir ve Geri \u00d6deme Nas\u0131l \u0130\u015fler?<\/h2>\n<p>Konut Ede\u011ferli Kredi Limiti (HELOC), evinizin ede\u011feri \u2014 yani evinizin piyasa de\u011feri ile ipote\u011finizde olan borcunuz aras\u0131ndaki fark \u2014 \u00fczerinden teminatl\u0131, d\u00f6ner bir kredi limitidir. Kredi kart\u0131 gibi, genellikle 5\u201310 y\u0131l s\u00fcren kullan\u0131m d\u00f6nemi boyunca limitten bor\u00e7 alabilir, geri \u00f6deyebilir ve yeniden bor\u00e7 alabilirsiniz. Bu d\u00f6nemden sonra geri \u00f6deme d\u00f6nemi ba\u015flar ve art\u0131k para \u00e7ekemezsiniz.<\/p>\n<p>HELOC'lar\u0131n \u00e7o\u011funda, prime oran\u0131 gibi bir referans endekse ba\u011fl\u0131 de\u011fi\u015fken faiz oran\u0131 bulunur; bu da oran\u0131n\u0131z\u0131n \u2014 dolay\u0131s\u0131yla \u00f6demeniz gereken tutar\u0131n \u2014 zamanla y\u00fckselebilece\u011fi veya d\u00fc\u015febilece\u011fi anlam\u0131na gelir. Bu hesaplama arac\u0131, t\u00fcm kapatma d\u00f6nemi boyunca sabit bir oran varsayar; bu, planlama yapman\u0131n en basit yoludur, ancak de\u011fi\u015fken faizli bir limitte fiili \u00f6demeler, oranlar de\u011fi\u015firse farkl\u0131 olabilir.<\/p>\n<p>Kullan\u0131m d\u00f6neminde bir\u00e7ok kredi verici yaln\u0131zca faiz \u00f6denmesini \u015fart ko\u015far. Bu, ayl\u0131k maliyetleri d\u00fc\u015f\u00fck tutar ama bakiye k\u00fc\u00e7\u00fclmez. Geri \u00f6deme d\u00f6nemi ba\u015flad\u0131\u011f\u0131nda bakiye kalan s\u00fcre boyunca amortismanla eritilir ve \u00f6demeler keskin bi\u00e7imde \u2014 \u00e7o\u011fu zaman y\u00fczlerce dolar \u2014 artabilir. Bu hesaplama arac\u0131, tam amortismanl\u0131 bir \u00f6demenin nas\u0131l g\u00f6r\u00fcnd\u00fc\u011f\u00fcn\u00fc g\u00f6sterir; b\u00f6ylece bu ge\u00e7i\u015f i\u00e7in b\u00fct\u00e7enizi planlayabilir ya da d\u00f6nem ba\u015flamadan bakiyeyi agresif bi\u00e7imde indirebilirsiniz.<\/p>\n<p>Hesaplanan <strong>Yeni Ayl\u0131k \u00d6deme<\/strong>, mevcut \u00f6demenizden \u00e7ok daha y\u00fcksekse, mevcut \u00f6demeniz muhtemelen yaln\u0131zca faizi kar\u015f\u0131l\u0131yordundur (ya da daha az\u0131n\u0131). Mevcut \u00f6demenize yak\u0131n veya alt\u0131ndaysa, hedef s\u00fcreniz i\u00e7inde limiti kapatma yolundas\u0131n\u0131z demektir; iki say\u0131 aras\u0131ndaki fark da ne kadar pay\u0131n\u0131z oldu\u011funu g\u00f6sterir.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Sabit faiz varsay\u0131l\u0131r.<\/strong> Ger\u00e7ek HELOC oranlar\u0131 genellikle de\u011fi\u015fkendir. Oran\u0131n\u0131z y\u00fckselirse, ayn\u0131 \u00f6demeyle kapatma s\u00fcreniz uzar \u2014 ya da plana uygun kalmak i\u00e7in daha y\u00fcksek \u00f6deme gerekir.<\/li>\n<li><strong>Yeni harcamalar kapatmay\u0131 uzat\u0131r.<\/strong> Hesaplama arac\u0131, hedef kapatma tarihini korumak i\u00e7in yeni ayl\u0131k \u00e7ekimleri \u00f6demeye ekler. Ger\u00e7ekte, hesaplanan tutar\u0131 \u00f6derken limitten \u00e7ekmeye devam ederseniz bakiye ve gereken \u00f6deme zamanla b\u00fcy\u00fcr.<\/li>\n<li><strong>Yaln\u0131zca faiz asgari \u00f6demeleri modellenmemi\u015ftir.<\/strong> Sonu\u00e7, tam amortismanl\u0131 bir \u00f6demedir. \u015eu anda yaln\u0131zca faiz \u00f6d\u00fcyorsan\u0131z, hesaplanan tutar\u0131n mevcut \u00f6demenizden belirgin bi\u00e7imde y\u00fcksek olmas\u0131n\u0131 bekleyin.<\/li>\n<li><strong>Y\u0131ll\u0131k \u00fccret e\u015fit olarak da\u011f\u0131t\u0131l\u0131r.<\/strong> Baz\u0131 kredi vericiler \u00fccreti belirli bir ayda tek seferlik tahsil eder; hesaplama arac\u0131, b\u00fct\u00e7eleme amac\u0131yla bunu ayda \\( \\text{Y\u0131ll\u0131k \u00dccret} \/ 12 \\) olarak ortalar.<\/li>\n<li><strong>\u00dccretler, erken kapama cezalar\u0131 ve kapan\u0131\u015f maliyetleri dahil de\u011fildir.<\/strong> Kredi s\u00f6zle\u015fmenizi kontrol edin; HELOC'u erken kapatmay\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z erken \u00f6deme cezas\u0131 uygulan\u0131p uygulanmad\u0131\u011f\u0131n\u0131 inceleyin.<\/li>\n<li><strong>\u0130pucu:<\/strong> daha k\u0131sa bir kapatma hedefiyle denemeler yap\u0131n. HELOC faizi ayl\u0131k bile\u015fik i\u015fledi\u011finden, limiti daha erken kapatmak \u015fa\u015f\u0131rt\u0131c\u0131 miktarda tasarruf sa\u011flayabilir \u2014 hesaplama arac\u0131n\u0131 iki kez \u00e7al\u0131\u015ft\u0131rarak 36 ve 60 ayl\u0131k toplam faizi kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<\/ul>\n<p>Bir HELOC kapatmas\u0131n\u0131 di\u011fer bor\u00e7 veya finansman se\u00e7enekleriyle kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama Arac\u0131m\u0131z\u0131<\/a>, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">\u0130potek \u00d6demesi Hesaplama Arac\u0131n\u0131<\/a> veya genel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplama Arac\u0131n\u0131<\/a> deneyin. Bir HELOC'u ev ede\u011ferini ba\u015fka bir yoldan kullanmakla kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ters-ipotek-kredisi\/\">Ters \u0130potek Kredisi Hesaplama Arac\u0131<\/a> da g\u00f6z atmaya de\u011fer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HELOC'unuzu belirli bir ay say\u0131s\u0131nda kapatmak i\u00e7in gereken ayl\u0131k \u00f6demeyi tahmin edin. Gerekli \u00f6demeyi g\u00f6rmek i\u00e7in bakiyenizi, faiz oran\u0131n\u0131, kapatma hedefinizi, yeni ayl\u0131k harcamalar\u0131n\u0131z\u0131 ve y\u0131ll\u0131k \u00fccreti girin.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[75],"class_list":["post-422","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\/422","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=422"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/422\/revisions"}],"predecessor-version":[{"id":3302,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/422\/revisions\/3302"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=422"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=422"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=422"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}