{"id":448,"date":"2026-10-03T14:18:10","date_gmt":"2026-10-03T13:18:10","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/faiz-orani\/"},"modified":"2026-10-03T14:18:10","modified_gmt":"2026-10-03T13:18:10","slug":"faiz-orani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/faiz-orani\/","title":{"rendered":"Faiz Oran\u0131 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\">Etkin Faiz Oran\u0131 Tahmin Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"448\" data-favorite-title=\"Faiz Oran\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/faiz-orani\/\" data-favorite-excerpt=\"Anapara, d\u00fczenli \u00f6deme tutar\u0131 ve d\u00f6nem say\u0131s\u0131n\u0131 bildi\u011finizde bir kredinin veya yat\u0131r\u0131m\u0131n faiz oran\u0131n\u0131 tahmin edin. \u00dc\u00e7 de\u011fer girin ve d\u00f6nem ba\u015f\u0131na yakla\u015f\u0131k oran\u0131 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\/faiz-orani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-448\" data-post=\"448\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Ana Para (P)<\/label><div class=\"term\">P<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"ana_para_p\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Kredi ana para tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">An\u00fcite \u00d6demesi (A)<\/label><div class=\"term\">A<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"anite_demesi_a\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">An\u00fcite (d\u00fczenli) \u00f6deme tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">D\u00f6nem Say\u0131s\u0131 (q)<\/label><div class=\"term\">q<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"dnem_says_q\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"24\"\/><div class=\"unit\" id=\"calc-unit-3\">d\u00f6nem<\/div><small id=\"calc-info-3\">\u00d6deme d\u00f6nemlerinin say\u0131s\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"448\">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>Yakla\u015f\u0131k Faiz Oran\u0131<\/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=\"448\" 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>Faiz Oran\u0131 Yakla\u015f\u0131m 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\\[ i \\approx q \\left[ \\left( 1 + \\frac{P}{A} \\right)^{\\frac{1}{q}} - 1 \\right] \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(i\\) \u2014 d\u00f6nem ba\u015f\u0131na yakla\u015f\u0131k faiz oran\u0131 (ondal\u0131k olarak; y\u00fczde i\u00e7in 100 ile \u00e7arp\u0131n)<\/li>\n<li>\\(P\\) \u2014 anapara tutar\u0131 (kredi veya yat\u0131r\u0131m tutar\u0131)<\/li>\n<li>\\(A\\) \u2014 her d\u00f6nem yap\u0131lan an\u00fcite \u00f6demesi<\/li>\n<li>\\(q\\) \u2014 \u00f6deme d\u00f6nemi say\u0131s\u0131<\/li>\n<\/ul>\n<p>Hesaplay\u0131c\u0131, \\( \\left(1 + \\frac{P}{A}\\right) \\) oran\u0131n\u0131n \\(q\\). kuvvet k\u00f6k\u00fcn\u00fc al\u0131r, 1 \u00e7\u0131kar\u0131r ve sonucu \\(q\\) ile \u00f6l\u00e7ekleyerek d\u00f6nemsel faiz oran\u0131n\u0131n bir tahminini \u00fcretir. Sonu\u00e7, d\u00f6nem ba\u015f\u0131na y\u00fczde olarak verilir.<\/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>Faiz Oran\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 10.000 $ tutar\u0131nda bir kredi, 24 adet 500 $'l\u0131k \u00f6deme ile geri \u00f6deniyor. D\u00f6nem ba\u015f\u0131na yakla\u015f\u0131k faiz oran\u0131 nedir?<\/p>\n<p>\\[ \\frac{P}{A} = \\frac{10000}{500} = 20 \\]<\/p>\n<p>\\[ i \\approx 24 \\left[ (1 + 20)^{\\frac{1}{24}} - 1 \\right] = 24 \\left[ 21^{\\frac{1}{24}} - 1 \\right] \\]<\/p>\n<p>\\[ 21^{\\frac{1}{24}} \\approx 1.135252 \\quad \\Rightarrow \\quad i \\approx 24 \\times 0.135252 \\approx 0.324606 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> d\u00f6nem ba\u015f\u0131na yakla\u015f\u0131k <strong>%3,2461<\/strong> faiz oran\u0131.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Anaparay\u0131 (P)<\/strong> girin \u2014 ba\u015flang\u0131\u00e7taki kredi veya yat\u0131r\u0131m tutar\u0131 (varsay\u0131lan: 10.000).<\/li>\n<li><strong>An\u00fcite \u00d6demesini (A)<\/strong> girin \u2014 her d\u00f6nem yap\u0131lan sabit \u00f6deme (varsay\u0131lan: 500).<\/li>\n<li><strong>D\u00f6nem Say\u0131s\u0131n\u0131 (q)<\/strong> girin \u2014 toplam ka\u00e7 \u00f6deme yap\u0131laca\u011f\u0131 (varsay\u0131lan: 24).<\/li>\n<li>Giri\u015f alanlar\u0131n\u0131n alt\u0131nda g\u00f6sterilen, d\u00f6nem ba\u015f\u0131na y\u00fczde cinsinden <strong>Yakla\u015f\u0131k Faiz Oran\u0131n\u0131<\/strong> okuyun.<\/li>\n<\/ol>\n<p>\u00dc\u00e7 giri\u015fin de s\u0131f\u0131rdan b\u00fcy\u00fck olmas\u0131 gerekir; aksi halde hesaplay\u0131c\u0131 bir hata mesaj\u0131 g\u00f6sterir. Oran <em>d\u00f6nem ba\u015f\u0131na<\/em> ifade edilir; \u00f6demeleriniz ayl\u0131ksa sonu\u00e7 ayl\u0131k bir orand\u0131r \u2014 kabaca y\u0131ll\u0131k bir de\u011fer i\u00e7in 12 ile \u00e7arp\u0131n.<\/p>\n<h2>Faiz Oran\u0131 Yakla\u015f\u0131m\u0131 Nedir?<\/h2>\n<p>Faiz oran\u0131, paran\u0131n zaman i\u00e7indeki bedelidir: her d\u00f6nem anparan\u0131n \u00fczerinden al\u0131nan (veya kazan\u0131lan) y\u00fczde. Bir banka kredi teklifi verirken oran ba\u015ftan belirtilir. Ancak bir\u00e7ok ger\u00e7ek durumda oran gizlidir \u2014 yaln\u0131zca ne kadar bor\u00e7 al\u0131nd\u0131\u011f\u0131n\u0131, her d\u00f6nem ne kadar \u00f6dedi\u011finizi ve ne kadar s\u00fcreyle \u00f6dedi\u011finizi bilirsiniz. Bu hesaplay\u0131c\u0131 tabloyu tersine \u00e7evirir: anapara \\(P\\), \u00f6deme \\(A\\) ve d\u00f6nem say\u0131s\u0131 \\(q\\)'dan, \u00f6rt\u00fck d\u00f6nemsel oran\u0131n bir tahminini \u00fcretir.<\/p>\n<p>Oran\u0131 tam olarak geri elde etmek basit bir cebir i\u015flemi de\u011fildir. Kesin oran, \\( P = A \\cdot \\frac{1-(1+r)^{-q}}{r} \\) an\u00fcite denklemini \u00e7\u00f6zen \\(r\\) de\u011feridir ve bu genellikle iteratif bir say\u0131sal y\u00f6ntem gerektirir. Burada kullan\u0131lan form\u00fcl iterasyondan ka\u00e7\u0131n\u0131r ve bir miktar do\u011fruluktan \u00f6d\u00fcn vererek h\u0131zl\u0131 ve kolay hesaplanan kapal\u0131 bi\u00e7imli bir yakla\u015f\u0131m verir.<\/p>\n<p>Sonu\u00e7, bir banka teklifi de\u011fil, h\u0131zl\u0131 bir g\u00f6sterg\u00e9 olarak de\u011ferlendirilmelidir. Size bir \u00f6deme ak\u0131\u015f\u0131na g\u00f6m\u00fcl\u00fc oran\u0131n b\u00fcy\u00fckl\u00fck d\u00fczenini s\u00f6yler; iki finansman teklifini kar\u015f\u0131la\u015ft\u0131rmak veya bir anla\u015fmay\u0131 sa\u011fduyu ile denetlemek i\u00e7in \u00e7o\u011fu zaman ihtiyac\u0131n\u0131z olan tek \u015fey budur. Kesin orana ihtiyac\u0131n\u0131z varsa ayn\u0131 giri\u015fleri tam kapsaml\u0131 bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">kredi hesaplay\u0131c\u0131s\u0131nda<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">ipotek (mortgage) hesaplay\u0131c\u0131s\u0131nda<\/a> kullan\u0131n ve \u00f6deme e\u015fle\u015fene kadar oran\u0131 ayarlay\u0131n.<\/p>\n<h2>Bu Hesaplay\u0131c\u0131 Ne Zaman \u0130\u015fe Yarar?<\/h2>\n<p>Tipik durumlar \u015funlard\u0131r:<\/p>\n<ul>\n<li><strong>Finansman tekliflerini de\u011ferlendirmek<\/strong> \u2014 bir sat\u0131c\u0131 oran belirtmeden \"bug\u00fcn 10.000 $, 24 adet 500 $ \u00f6deme\" der; hesaplay\u0131c\u0131 \u00f6rt\u00fck maliyeti ortaya \u00e7\u0131kar\u0131r.<\/li>\n<li><strong>Bir leasing veya taksit plan\u0131n\u0131 tersine m\u00fchendislikle \u00e7\u00f6z\u00fcmlemek<\/strong> \u2014 belirtilen \"sabit\" bir teklifi etkin d\u00f6nemsel oranla kar\u015f\u0131la\u015ft\u0131rmak; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">ta\u015f\u0131t kredisi<\/a> ko\u015fullar\u0131n\u0131 de\u011ferlendirirken gereken ayn\u0131 kar\u015f\u0131la\u015ft\u0131rmad\u0131r.<\/li>\n<li><strong>Yat\u0131r\u0131m b\u00fcy\u00fcmesini denetlemek<\/strong> \u2014 bilinen bir ba\u015flang\u0131\u00e7 bakiyesinden yap\u0131lan e\u015fit tutarl\u0131 para \u00e7ekme veya katk\u0131 serisinin ima etti\u011fi oran\u0131 tahmin etmek; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rentin-bugunku-degeri\/\">an\u00fcitenin bug\u00fcnk\u00fc de\u011feri<\/a> hesab\u0131n\u0131n do\u011fal bir tamamlay\u0131c\u0131s\u0131d\u0131r.<\/li>\n<\/ul>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Bu bir yakla\u015f\u0131md\u0131r.<\/strong> Form\u00fcl an\u00fcite denklemini tam olarak \u00e7\u00f6zmez; bu nedenle sonu\u00e7, \u00f6demeler anaparaya g\u00f6re b\u00fcy\u00fck oldu\u011funda veya \\(q\\) k\u00fc\u00e7\u00fck oldu\u011funda ger\u00e7ek orandan belirgin bi\u00e7imde sapabilir. Bunu s\u00f6zle\u015fmesel bir de\u011fer de\u011fil, bir tahmin olarak de\u011ferlendirin.<\/li>\n<li><strong>E\u015fit \u00f6demeler varsay\u0131l\u0131r.<\/strong> \\(A\\) \u00f6demesi her d\u00f6nem ayn\u0131 olmal\u0131 ve t\u00fcm \u00f6demeler ek \u00fccret, balon \u00f6deme veya eksik taksit olmad\u0131nda plana uygun yap\u0131lmal\u0131d\u0131r.<\/li>\n<li><strong>Oran d\u00f6nem ba\u015f\u0131nad\u0131r.<\/strong> \u00c7\u0131kt\u0131, y\u0131ll\u0131kla\u015ft\u0131rma, bile\u015fik faiz varsay\u0131mlar\u0131 veya kapan\u0131\u015f maliyetleri gibi A\u00dcO (APR) etkilerini i\u00e7ermez. Y\u0131ll\u0131k bir oran\u0131nla kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in d\u00f6nemleri tutarl\u0131 bi\u00e7imde d\u00f6n\u00fc\u015ft\u00fcr\u00fcn (\u00f6r. nominal y\u0131ll\u0131k oran i\u00e7in ayl\u0131k oran \u00d7 12).<\/li>\n<li><strong>\u00dccretler yok say\u0131l\u0131r.<\/strong> Ba\u015flang\u0131\u00e7 masraflar\u0131, puanlar ve sigorta primleri modele dahil de\u011fildir; bu y\u00fczden bir kredinin ger\u00e7ek etkin maliyeti genellikle daha y\u00fcksektir. \u00dccretleri de kapsayan bir \u00f6l\u00e7\u00fcm i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">ipotek A\u00dcO hesaplay\u0131c\u0131s\u0131na<\/a> bak\u0131n.<\/li>\n<li><strong>Giri\u015fler pozitif olmal\u0131d\u0131r.<\/strong> S\u0131f\u0131r veya negatif anapara, \u00f6deme veya d\u00f6nem say\u0131s\u0131n\u0131n burada finansal bir anlam\u0131 yoktur ve hata mesaj\u0131 tetikler.<\/li>\n<\/ul>\n<p>Bir kredinin tam tablosu i\u00e7in \u2014 toplam \u00f6denen faiz, amortisman ve kesin oranlar \u2014 bu h\u0131zl\u0131 tahmini yukar\u0131da ba\u011flant\u0131s\u0131 verilen ayr\u0131nt\u0131l\u0131 hesaplay\u0131c\u0131larla birlikte kullan\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anapara, d\u00fczenli \u00f6deme tutar\u0131 ve d\u00f6nem say\u0131s\u0131n\u0131 bildi\u011finizde bir kredinin veya yat\u0131r\u0131m\u0131n faiz oran\u0131n\u0131 tahmin edin. \u00dc\u00e7 de\u011fer girin ve d\u00f6nem ba\u015f\u0131na yakla\u015f\u0131k oran\u0131 al\u0131n.<\/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-448","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\/448","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=448"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/448\/revisions"}],"predecessor-version":[{"id":3298,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/448\/revisions\/3298"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=448"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=448"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}