{"id":425,"date":"2026-10-03T14:13:01","date_gmt":"2026-10-03T13:13:01","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/konut-kredisi-faiz-orani\/"},"modified":"2026-10-03T14:13:01","modified_gmt":"2026-10-03T13:13:01","slug":"konut-kredisi-faiz-orani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-faiz-orani\/","title":{"rendered":"Konut Kredisi Faiz Oran\u0131 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\">Konut Kredisi Faiz ve \u00d6deme Hesaplama Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"425\" data-favorite-title=\"Konut Kredisi Faiz Oran\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-faiz-orani\/\" data-favorite-excerpt=\"Gelirinizin ne kadar konut kredisini kar\u015f\u0131layabilece\u011fini tahmin edin. Uygun taksit tutar\u0131n\u0131z\u0131, kredi tutar\u0131n\u0131z\u0131 ve toplam faizi g\u00f6rmek i\u00e7in ayl\u0131k gelirinizi, di\u011fer gelirlerinizi, harcamalar\u0131n\u0131z\u0131, kredi vadesini ve faiz oran\u0131n\u0131 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-kredisi-faiz-orani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-425\" data-post=\"425\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Ayl\u0131k Gelir<\/label><input type=\"text\" name=\"aylk_gelir\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"50000\"\/><div class=\"unit\" id=\"calc-unit-1\">Rs.<\/div><small id=\"calc-info-1\">Ayl\u0131k gelirinizi girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Di\u011fer Gelir<\/label><input type=\"text\" name=\"dier_gelir\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-2\">Rs.<\/div><small id=\"calc-info-2\">Di\u011fer ayl\u0131k gelirinizi girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Ayl\u0131k Gider<\/label><input type=\"text\" name=\"aylk_gider\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-3\">Rs.<\/div><small id=\"calc-info-3\">Ayl\u0131k giderinizi girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Kredi Vadesi<\/label><div class=\"grid grid-cols-1\"><select id=\"field-4\" name=\"kredi_vadesi\"><option value=\"1\">1 years<\/option><option value=\"2\">2 years<\/option><option value=\"3\">3 years<\/option><option value=\"4\">4 years<\/option><option value=\"5\">5 years<\/option><option value=\"6\">6 years<\/option><option value=\"7\">7 years<\/option><option value=\"8\">8 years<\/option><option value=\"9\">9 years<\/option><option value=\"10\">10 years<\/option><option value=\"11\">11 years<\/option><option value=\"12\">12 years<\/option><option value=\"13\">13 years<\/option><option value=\"14\">14 years<\/option><option value=\"15\">15 years<\/option><option value=\"16\">16 years<\/option><option value=\"17\">17 years<\/option><option value=\"18\">18 years<\/option><option value=\"19\">19 years<\/option><option value=\"20\">20 years<\/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-5\"><label for=\"field-5\">Y\u0131ll\u0131k Faiz Oran\u0131<\/label><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"30\" value=\"8\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><small id=\"calc-info-5\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"425\">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>Konut Kredisi Tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"Rs.\"><\/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=\"Rs.\"><\/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 \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"Rs.\"><\/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=\"425\" 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 Faiz Oran\u0131 Form\u00fcl\u00fc<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Form\u00fcl<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{Uygun Taksit} = (\\text{Ayl\u0131k Gelir} + \\text{Di\u011fer Gelir}) - \\text{Ayl\u0131k Harcama} \\\\ r = \\frac{\\text{Y\u0131ll\u0131k Faiz Oran\u0131}}{12 \\times 100} \\\\ n = \\text{Kredi Vadesi} \\times 12 \\\\ \\text{Kredi Tutar\u0131} = \\frac{\\text{Uygun Taksit} \\times \\left(1 - (1 + r)^{-n}\\right)}{r} \\\\ \\text{Toplam Faiz} = (\\text{Uygun Taksit} \\times n) - \\text{Kredi Tutar\u0131} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Buradaki de\u011fi\u015fkenler:<\/strong><\/p>\n<ul>\n<li>\\(\\text{Ayl\u0131k Gelir}\\) \u2014 ayl\u0131k ana gelir (Rs.)<\/li>\n<li>\\(\\text{Di\u011fer Gelir}\\) \u2014 kira veya serbest \u00e7al\u0131\u015fma kazanc\u0131 gibi ayl\u0131k ek gelir (Rs.)<\/li>\n<li>\\(\\text{Ayl\u0131k Harcama}\\) \u2014 toplam ayl\u0131k ya\u015fam giderleri (Rs.)<\/li>\n<li>\\(r\\) \u2014 ondal\u0131k olarak ifade edilen ayl\u0131k faiz oran\u0131<\/li>\n<li>\\(n\\) \u2014 toplam ayl\u0131k \u00f6deme say\u0131s\u0131<\/li>\n<\/ul>\n<p>Hesaplama arac\u0131 \u00f6deme g\u00fcc\u00fcnden geriye do\u011fru \u00e7al\u0131\u015f\u0131r: gelir fazlan\u0131z \u00f6deyebilece\u011finiz taksit olur ve kredi tutar\u0131, bu taksit ak\u0131\u015f\u0131n\u0131n verilen faiz oran\u0131yla indirgenmi\u015f bug\u00fcnk\u00fc de\u011feridir. Y\u0131ll\u0131k oran %0 ise kredi tutar\u0131 basit\u00e7e \\(\\text{Uygun Taksit} \\times n\\) olur.<\/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 Faiz Oran\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir hanenin ayl\u0131k geliri 50.000 Rs., di\u011fer geliri 5.000 Rs. ve ayl\u0131k harcamas\u0131 20.000 Rs.'dir. Y\u0131ll\u0131k %8 faiz oran\u0131yla 15 y\u0131ll\u0131k konut kredisi istiyorlar.<\/p>\n<p>\\[ \\text{Uygun Taksit} = 50{,}000 + 5{,}000 - 20{,}000 = 35{,}000 \\text{ Rs.} \\]<\/p>\n<p>\\[ r = \\frac{8}{12 \\times 100} = 0.006667, \\quad n = 15 \\times 12 = 180 \\text{ ay} \\]<\/p>\n<p>\\[ \\text{Kredi Tutar\u0131} = \\frac{35{,}000 \\times \\left(1 - 1.006667^{-180}\\right)}{0.006667} \\approx 3{,}662{,}400 \\text{ Rs.} \\]<\/p>\n<p>\\[ \\text{Toplam Faiz} = 35{,}000 \\times 180 - 3{,}662{,}400 \\approx 2{,}637{,}600 \\text{ Rs.} \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> hane, ayl\u0131k 35.000 Rs. \u00f6demeyle yakla\u015f\u0131k 3.662.400 Rs. tutar\u0131nda bir krediyi kar\u015f\u0131layabilir. 15 y\u0131l boyunca toplam 6.300.000 Rs. geri \u00f6derler ve bunun yakla\u015f\u0131k 2.637.600 Rs.'si faizdir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Rupi cinsinden <strong>Ayl\u0131k Gelirinizi<\/strong> girin \u2014 d\u00fczenli maa\u015f\u0131n\u0131z veya i\u015f geliriniz.<\/li>\n<li>Her ay ald\u0131\u011f\u0131n\u0131z kira veya serbest \u00e7al\u0131\u015fma \u00f6demeleri gibi <strong>Di\u011fer Gelirlerinizi<\/strong> girin. Yoksa 0 girin.<\/li>\n<li><strong>Ayl\u0131k Harcaman\u0131z\u0131<\/strong> girin \u2014 mevcut taksitler ve taahh\u00fctler dahil toplam ya\u015fam giderleriniz.<\/li>\n<li><strong>Kredi Vadesini<\/strong> 1 ile 20 y\u0131l aras\u0131nda se\u00e7in. Daha uzun vadeler daha b\u00fcy\u00fck bir kredi imk\u00e2n\u0131 sa\u011flar ancak toplam faizi art\u0131r\u0131r.<\/li>\n<li>Kredi veren kurulu\u015funuzun teklif etti\u011fi <strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> y\u00fczde olarak girin, \u00f6rne\u011fin %8 i\u00e7in 8.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Konut Kredisi Tutar\u0131<\/strong> gelir fazlan\u0131z\u0131n kar\u015f\u0131layabilece\u011fi kredi miktar\u0131, <strong>Toplam Faiz<\/strong> vade boyunca \u00f6deyece\u011finiz faiz, <strong>Ayl\u0131k \u00d6deme<\/strong> ise taksitinizdir (uygun gelir fazlan\u0131z).<\/li>\n<\/ol>\n<h2>Hesaplama Arac\u0131 Nas\u0131l \u00c7al\u0131\u015f\u0131r?<\/h2>\n<p>\"Belirli bir kredi tutar\u0131 i\u00e7in taksit nedir?\" diye sormak yerine, bu hesaplama arac\u0131 daha pratik bir soruya cevap verir: <em>her ay ger\u00e7ekte \u00f6deyebilece\u011fim tutara g\u00f6re en fazla ne kadar kredi \u00e7ekebilirim?<\/em> B\u00fct\u00e7enizden \u2014 toplam gelir eksi harcama \u2014 ba\u015flar ve bu fazlay\u0131 en y\u00fcksek taksitiniz olarak kabul eder.<\/p>\n<p>Kredi tutar\u0131 daha sonra, ayl\u0131k faiz oran\u0131yla iskonto edilen bir dizi e\u015fit ayl\u0131k \u00f6demenin bug\u00fcnk\u00fc de\u011feri olarak hesaplan\u0131r. Bu, bankalar\u0131n konut kredilerini amortisman plan\u0131na g\u00f6re hesaplamak i\u00e7in kulland\u0131\u011f\u0131 standart an\u00fcite form\u00fcl\u00fcd\u00fcr ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplama Arac\u0131<\/a> ile <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama Arac\u0131<\/a>m\u0131z\u0131n arkas\u0131ndaki matemati\u011fin ayn\u0131s\u0131d\u0131r; sadece tersten uygulan\u0131r.<\/p>\n<p><strong>Toplam Faiz<\/strong> rakam\u0131 dikkat etmeyi hak eder. Varsay\u0131lan \u00f6rnekte yakla\u015f\u0131k 2,64 milyon Rs. tutar\u0131ndaki faiz, borrowing yap\u0131lan tutar\u0131n %72'sidir \u2014 uzun vadeli konut kredileri i\u00e7in tipik bir sonu\u00e7tur. Daha uzun vade veya daha y\u00fcksek oran bu pay\u0131 h\u0131zla \u015fi\u015firir; bu nedenle oranlar\u0131 kar\u015f\u0131la\u015ft\u0131rmak ve erken \u00f6n \u00f6deme yapmak bu kadar \u00f6nemlidir. Elinizde zaten belirli bir kredi teklifi varsa ve \u00f6deme plan\u0131n\u0131 kontrol etmek istiyorsan\u0131z, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">\u0130potek \u00d6demesi<\/a> hesaplama arac\u0131 do\u011fru ara\u00e7t\u0131r.<\/p>\n<h2>Faiz Oran\u0131n\u0131n Etkisi<\/h2>\n<p>Orandaki k\u00fc\u00e7\u00fck bir de\u011fi\u015fiklik bile ayn\u0131 taksitle ne kadar kredi \u00e7ekebilece\u011finizi \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015ftirir. A\u015fa\u011f\u0131daki tablo, varsay\u0131lan \u00f6rnek i\u00e7in (15 y\u0131l boyunca 35.000 Rs. taksit) bu ara\u00e7la hesaplanan kredi tutar\u0131n\u0131 ve toplam faizi g\u00f6sterir:<\/p>\n<table>\n<thead>\n<tr>\n<th>Y\u0131ll\u0131k Faiz Oran\u0131<\/th>\n<th>Konut Kredisi Tutar\u0131 (Rs.)<\/th>\n<th>Toplam Faiz (Rs.)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>%7<\/td>\n<td>\u2248 3.893.900<\/td>\n<td>\u2248 2.406.100<\/td>\n<\/tr>\n<tr>\n<td>%8<\/td>\n<td>\u2248 3.662.400<\/td>\n<td>\u2248 2.637.600<\/td>\n<\/tr>\n<tr>\n<td>%9<\/td>\n<td>\u2248 3.450.800<\/td>\n<td>\u2248 2.849.200<\/td>\n<\/tr>\n<tr>\n<td>%10<\/td>\n<td>\u2248 3.257.000<\/td>\n<td>\u2248 3.043.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>%9'dan %8'e bir puanl\u0131k d\u00fc\u015f\u00fc\u015f, borrowing kapasitesini yakla\u015f\u0131k 211.600 Rs. art\u0131r\u0131r \u2014 bu para, belirgin \u015fekilde daha iyi bir m\u00fclk b\u00fctcesine d\u00f6n\u00fc\u015febilir.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Gelir fazlas\u0131n\u0131n tamam\u0131 taksite gider.<\/strong> Hesaplama arac\u0131, harcamalardan sonra kalan her rupinin kredi i\u00e7in kullan\u0131labilir oldu\u011funu varsayar. Pratikte acil durumlar, birikim ve artan ya\u015fam maliyetleri i\u00e7in bir tampon b\u0131rak\u0131n \u2014 \u00e7o\u011fu finansal dan\u0131\u015fman, taksitin toplam gelirin %40\u201350'sini a\u015fmamas\u0131n\u0131 \u00f6nerir.<\/li>\n<li><strong>Kredi verenler kendi kurallar\u0131n\u0131 uygular.<\/strong> Bankalar genellikle Sabit Y\u00fck\u00fcml\u00fcl\u00fck\/Gelir Oran\u0131 (FOIR) kullan\u0131r ve di\u011fer gelirinizin yaln\u0131zca bir k\u0131sm\u0131n\u0131 sayabilir; bu nedenle fiilen onaylanan tutar hesaplanan de\u011ferden d\u00fc\u015f\u00fck olabilir. Kredi veren tarz\u0131 bir tahmin i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-on-degerlendirme\/\">\u0130potek Konut Kredisi \u00d6n Niteliklendirme<\/a> hesaplama arac\u0131na bak\u0131n.<\/li>\n<li><strong>Pe\u015fin \u00f6deme hari\u00e7 tutulmu\u015ftur.<\/strong> Sonu\u00e7 yaln\u0131zca kredi bile\u015fenidir; pe\u015fin \u00f6deme yaparsan\u0131z m\u00fclk fiyat\u0131 daha y\u00fcksek olabilir (genellikle de\u011ferin %10\u201325'i).<\/li>\n<li><strong>Oran\u0131n vade boyunca sabit oldu\u011fu varsay\u0131l\u0131r.<\/strong> De\u011fi\u015fken faizli krediler ve oran g\u00fcncellemeleri zamanla hem taksiti hem de toplam faizi de\u011fi\u015ftirir.<\/li>\n<li><strong>Di\u011fer maliyetler dahil de\u011fildir.<\/strong> \u0130\u015flem \u00fccretleri, damga vergisi, sigorta ve vergiler ek olup bu hesaplaman\u0131n bir par\u00e7as\u0131 de\u011fildir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Gelirinizin ne kadar konut kredisini kar\u015f\u0131layabilece\u011fini tahmin edin. Uygun taksit tutar\u0131n\u0131z\u0131, kredi tutar\u0131n\u0131z\u0131 ve toplam faizi g\u00f6rmek i\u00e7in ayl\u0131k gelirinizi, di\u011fer gelirlerinizi, harcamalar\u0131n\u0131z\u0131, kredi vadesini ve faiz oran\u0131n\u0131 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-425","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\/425","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=425"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/425\/revisions"}],"predecessor-version":[{"id":3301,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/425\/revisions\/3301"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}