{"id":447,"date":"2026-10-03T14:17:44","date_gmt":"2026-10-03T13:17:44","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/sadece-faiz-odemsi\/"},"modified":"2026-10-03T14:17:44","modified_gmt":"2026-10-03T13:17:44","slug":"sadece-faiz-odemsi","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/sadece-faiz-odemsi\/","title":{"rendered":"Sadece Faiz \u00d6demesi 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\">Ayl\u0131k Sadece Faizli Kredi \u00d6demesi Hesaplama Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"447\" data-favorite-title=\"Sadece Faiz \u00d6demesi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/sadece-faiz-odemsi\/\" data-favorite-excerpt=\"Bir kredinin sadece faiz d\u00f6nemine ait ayl\u0131k \u00f6demeyi tahmin edin. Kredi tutar\u0131n\u0131 ve y\u0131ll\u0131k faiz oran\u0131n\u0131 girerek, anapara azaltmadan her ay ne kadar faiz \u00f6dedi\u011finizi 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\/sadece-faiz-odemsi\/\" method=\"POST\" class=\"calculator\" id=\"calculator-447\" data-post=\"447\"><fieldset class=\"fieldset-input\"><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=\"0\" value=\"100000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Kredi tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Faiz Oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"447\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Yaln\u0131zca Faiz \u00d6demesi<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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><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=\"447\" 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>Sadece Faiz \u00d6demesi 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{Sadece Faiz \u00d6demesi} = \\text{Kredi Tutar\u0131} \\times \\frac{\\text{Faiz Oran\u0131}}{12} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Form\u00fcldeki de\u011ferler:<\/strong><\/p>\n<ul>\n<li>\\(\\text{Kredi Tutar\u0131}\\) \u2014 \u00f6d\u00fcn\u00e7 al\u0131nan anapara tutar\u0131<\/li>\n<li>\\(\\text{Faiz Oran\u0131}\\) \u2014 ondal\u0131k olarak ifade edilen y\u0131ll\u0131k faiz oran\u0131 (\u00f6r. %5 = 0,05)<\/li>\n<li>\\(\\text{Sadece Faiz \u00d6demesi}\\) \u2014 ayl\u0131k faiz \u00f6demesi<\/li>\n<\/ul>\n<p>Form\u00fcl, y\u0131ll\u0131k faiz oran\u0131n\u0131 12'ye b\u00f6lerek ayl\u0131k oran\u0131 bulur ve bu oran\u0131 kredi tutar\u0131na uygular. \u00d6demenin hi\u00e7bir k\u0131sm\u0131 anaparaya gitmedi\u011fi i\u00e7in bakiye aydan aya de\u011fi\u015fmeden kal\u0131r.<\/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>Sadece Faiz \u00d6demesi \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir bor\u00e7lu, 100.000 $ tutar\u0131nda, y\u0131ll\u0131k faiz oran\u0131 %5 olan bir sadece faiz kredisi al\u0131yor.<\/p>\n<p>\\[ \\text{Ayl\u0131k oran} = \\frac{5\\%}{12} = \\frac{0.05}{12} = 0.0041667 \\]<\/p>\n<p>\\[ \\text{Sadece Faiz \u00d6demesi} = 100{,}000 \\times 0.0041667 = 416.67 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k sadece faiz \u00f6demesi <strong>416,67 $<\/strong>'d\u0131r. Bir y\u0131l boyunca bor\u00e7lu \\(416.67 \\times 12 = 5{,}000\\) dolar faiz \u00f6der ve anapara 100.000 $ olarak kal\u0131r.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Kredi Tutar\u0131<\/strong>n\u0131 girin \u2014 ald\u0131\u011f\u0131n\u0131z veya almay\u0131 planlad\u0131\u011f\u0131n\u0131z toplam anapara.<\/li>\n<li><strong>Faiz Oran\u0131<\/strong>n\u0131 girin \u2014 y\u00fczde olarak y\u0131ll\u0131k faiz oran\u0131 (\u00f6rne\u011fin %5 i\u00e7in 5 girin, 0,05 de\u011fil).<\/li>\n<li><strong>Sadece Faiz \u00d6demesi<\/strong> sonucunu okuyun \u2014 sadece faiz d\u00f6neminde her ay \u00f6denmesi gereken faiz tutar\u0131.<\/li>\n<\/ol>\n<h2>Sadece Faiz \u00d6demesi Nedir?<\/h2>\n<p>Sadece faiz \u00f6demesi, bor\u00e7lunun yaln\u0131zca faiz masraflar\u0131n\u0131 kar\u015f\u0131lamakla y\u00fck\u00fcml\u00fc oldu\u011fu, anayi \u00f6demesi gerekmeyen d\u00f6nem boyunca kredinin asgari ayl\u0131k \u00f6demesidir. Bir\u00e7ok konut kredisi, konut \u00f6z sermaye kredisi limiti (HELOC), ticari kredi ve baz\u0131 \u00f6\u011frenci kredileri, genellikle kredinin standart amortisman yap\u0131s\u0131na d\u00f6n\u00fc\u015fmesinden \u00f6nce 5 ila 10 y\u0131l s\u00fcren bir sadece faiz a\u015famas\u0131 i\u00e7erir.<\/p>\n<p>Bu a\u015fama s\u0131ras\u0131nda \u00f6deme, anaparaya hi\u00e7bir \u015fey uygulanmad\u0131\u011f\u0131 i\u00e7in, tam amortismanl\u0131 \u00f6demeden belirgin \u015fekilde d\u00fc\u015f\u00fckt\u00fcr. Ancak \u00f6d\u00fcnle\u015fme \u00f6nemlidir: kredi bakiyesi k\u00fc\u00e7\u00fclmez, bu y\u00fczden sadece faiz d\u00f6nemi bitti\u011finde kalan bakiyenin daha k\u0131sa bir s\u00fcre i\u00e7inde geri \u00f6denmesi gerekir. Bu genellikle ayl\u0131k \u00f6demenin \u00f6nemli \u00f6l\u00e7\u00fcde artmas\u0131na neden olur \u2014 buna genellikle \"\u00f6deme \u015foku\" denir.<\/p>\n<p>Bu hesaplama arac\u0131n\u0131n sonucu, sadece faiz d\u00f6neminde krediyi ta\u015f\u0131man\u0131n tam ayl\u0131k maliyetini g\u00f6sterir. B\u00fct\u00e7e planlamas\u0131, kredi tekliflerinin kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131 ve tam geri \u00f6demeye ge\u00e7i\u015fin planlanmas\u0131 i\u00e7in kullan\u0131\u015fl\u0131d\u0131r. Sadece faiz a\u015famas\u0131ndan sonraki \u00f6demelerin nas\u0131l g\u00f6r\u00fcnd\u00fc\u011f\u00fcn\u00fc g\u00f6rmek isterseniz, tam bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">Konut Kredisi \u00d6demesi<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi<\/a> hesaplamas\u0131 anaparay\u0131 da amortisman eder.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran ve sabit bakiye:<\/strong> hesaplama arac\u0131, sabit bir y\u0131ll\u0131k faiz oran\u0131 ve hi\u00e7 de\u011fi\u015fmeyen bir anapara varsayar. De\u011fi\u015fken faizli kredilerde (\u00e7o\u011fu HELOC gibi) oran ayarland\u0131\u011f\u0131nda \u00f6demeler artar veya azal\u0131r.<\/li>\n<li><strong>Faiz ayl\u0131k olarak i\u015fler:<\/strong> form\u00fcl y\u0131ll\u0131k oran\u0131 12'ye b\u00f6ler. Baz\u0131 kredi verenler g\u00fcnl\u00fck i\u015fletme y\u00f6ntemi kullan\u0131r (y\u0131ll\u0131k oran 365'e b\u00f6l\u00fcn\u00fcr ve d\u00f6nemdeki g\u00fcn say\u0131s\u0131yla \u00e7arp\u0131l\u0131r), bu da biraz farkl\u0131 rakamlar \u00fcretebilir.<\/li>\n<li><strong>Anapara azalmas\u0131 yok:<\/strong> g\u00f6n\u00fcll\u00fc ek \u00f6demeler modellenmemi\u015ftir. Sadece faiz tutar\u0131ndan fazlas\u0131n\u0131 \u00f6derseniz, fazla k\u0131s\u0131m anaparay\u0131 azalt\u0131r ve gelecekteki faiz masraflar\u0131n\u0131 d\u00fc\u015f\u00fcr\u00fcr.<\/li>\n<li><strong>Di\u011fer maliyetler hari\u00e7tir:<\/strong> emlak vergileri, sigorta, site aidatlar\u0131 ve kredi veren \u00fccretleri dahil de\u011fildir. Tam bir konut maliyeti tahmini i\u00e7in bu sonucu <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Konut Kredisi Hesaplama Arac\u0131<\/a> ile birle\u015ftirin veya \u00f6d\u00fcn\u00e7 alman\u0131n ger\u00e7ek maliyetini <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">Konut Kredisi A\u00c7O (APR)<\/a> hesaplama arac\u0131yla kontrol edin.<\/li>\n<\/ul>\n<p>Sadece faiz kredileri ger\u00e7ek risk ta\u015f\u0131r: gayrimenkul de\u011ferleri d\u00fc\u015ferse veya geliriniz azal\u0131rsa, rahat\u00e7a geri \u00f6deyebilece\u011finizden daha fazlas\u0131n\u0131 bor\u00e7lu kalabilirsiniz ve d\u00f6n\u00fc\u015f\u00fcm sonras\u0131 y\u00fcksek \u00f6demeler b\u00fct\u00e7enizi zorlayabilir. D\u00fc\u015f\u00fck ba\u015flang\u0131\u00e7 \u00f6demelerini kal\u0131c\u0131 bir d\u00fczen de\u011fil, bir planlama penceresi olarak kullan\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bir kredinin sadece faiz d\u00f6nemine ait ayl\u0131k \u00f6demeyi tahmin edin. Kredi tutar\u0131n\u0131 ve y\u0131ll\u0131k faiz oran\u0131n\u0131 girerek, anapara azaltmadan her ay ne kadar faiz \u00f6dedi\u011finizi g\u00f6r\u00fcn.<\/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-447","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\/447","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=447"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/447\/revisions"}],"predecessor-version":[{"id":3299,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/447\/revisions\/3299"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}