{"id":456,"date":"2026-10-03T14:19:22","date_gmt":"2026-10-03T13:19:22","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/yatirim-odeme-tutari\/"},"modified":"2026-10-03T14:19:22","modified_gmt":"2026-10-03T13:19:22","slug":"yatirim-odeme-tutari","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/yatirim-odeme-tutari\/","title":{"rendered":"Yat\u0131r\u0131m \u00d6deme Tutar\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\">Ayl\u0131k Yat\u0131r\u0131m Kredisi \u00d6deme Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"456\" data-favorite-title=\"Yat\u0131r\u0131m \u00d6deme Tutar\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/yatirim-odeme-tutari\/\" data-favorite-excerpt=\"Yat\u0131r\u0131m kredisinin d\u00f6nemsel \u00f6demesini tahmin edin. Gerekli \u00f6demeyi g\u00f6rmek i\u00e7in istenen tutar\u0131, pe\u015finat\u0131, kapan\u0131\u015f maliyetlerini, faiz oran\u0131n\u0131, vadeyi ve bile\u015fik faiz s\u0131kl\u0131\u011f\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\/yatirim-odeme-tutari\/\" method=\"POST\" class=\"calculator\" id=\"calculator-456\" data-post=\"456\"><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\">\u0130stenen Tutar<\/label><div class=\"term\">tutar<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"stenen_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"300000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">\u0130stenen yat\u0131r\u0131m tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Pe\u015finat<\/label><div class=\"term\"><\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"peinat\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"10\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Pe\u015finat y\u00fczdesini girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Kapan\u0131\u015f Maliyeti<\/label><div class=\"term\">c<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"kapan_maliyeti\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Kapan\u0131\u015f maliyeti tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">Y\u0131ll\u0131k Faiz Oran\u0131<\/label><div class=\"term\">i<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yllk_faiz_oran\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-5\"><label for=\"field-5\">Y\u0131l Say\u0131s\u0131<\/label><div class=\"term\">n<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yl_says\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-5\">y\u0131l<\/div><small id=\"calc-info-5\">Kredi vadesini y\u0131l olarak girin<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Bile\u015fik Frekans\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"bileik_frekans\"><option value=\"Monthly\">Ayl\u0131k<\/option><option value=\"Quarterly\">\u00dc\u00e7 Ayl\u0131k<\/option><option value=\"HalfYearly\">Alt\u0131 Ayl\u0131k<\/option><option value=\"Annually\">Y\u0131ll\u0131k<\/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><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"456\">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>\u00d6deme Tutar\u0131 (P)<\/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=\"456\" 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>Yat\u0131r\u0131m \u00d6deme Tutar\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\\[ L = A - (A \\times d) - C \\]\n\\[ P = \\frac{L \\times r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(A\\) \u2014 istenen yat\u0131r\u0131m tutar\u0131<\/li>\n<li>\\(d\\) \u2014 pe\u015finat y\u00fczdesi (ondal\u0131k olarak)<\/li>\n<li>\\(C\\) \u2014 kapan\u0131\u015f maliyeti<\/li>\n<li>\\(L\\) \u2014 fiilen finanse edilen kredi tutar\u0131<\/li>\n<li>\\(r\\) \u2014 d\u00f6nemsel faiz oran\u0131 (y\u0131ll\u0131k oran \u00f7 y\u0131ll\u0131k bile\u015fik d\u00f6nem say\u0131s\u0131)<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme say\u0131s\u0131 (y\u0131l \u00d7 y\u0131ll\u0131k d\u00f6nem say\u0131s\u0131)<\/li>\n<li>\\(P\\) \u2014 d\u00f6nem ba\u015f\u0131na \u00f6deme tutar\u0131<\/li>\n<\/ul>\n<p>\u0130lk sat\u0131r, ne kadar bor\u00e7 alman\u0131z gerekti\u011fini bulmak i\u00e7in istenen tutardan pe\u015finat\u0131 ve kapan\u0131\u015f maliyetlerini \u00e7\u0131kar\u0131r. \u0130kinci sat\u0131r standart amortisman form\u00fcl\u00fcd\u00fcr: \\(L\\) tutar\u0131ndaki bir krediyi, \\(r\\) d\u00f6nemsel oranla \\(n\\) e\u015fit \u00f6demeye d\u00f6n\u00fc\u015ft\u00fcr\u00fcr. Faiz oran\u0131 0 ise \u00f6deme basit\u00e7e \\(L \/ 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>Yat\u0131r\u0131m \u00d6deme Tutar\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> \\(A = \\$300{,}000\\) de\u011ferinde bir yat\u0131r\u0131m m\u00fclk\u00fc edinmek, %10 pe\u015finat \u00f6demek ve \\(C = \\$5{,}000\\) kapan\u0131\u015f maliyeti \u00f6demek istiyorsunuz. Kredi, 30 y\u0131l vadeyle, ayl\u0131k bile\u015fik faizli %6 y\u0131ll\u0131k faiz oran\u0131na sahiptir.<\/p>\n<p>\\[ L = 300{,}000 - (300{,}000 \\times 0.10) - 5{,}000 = 265{,}000 \\]<\/p>\n<p>\\[ r = \\frac{0.06}{12} = 0.005, \\qquad n = 30 \\times 12 = 360 \\]<\/p>\n<p>\\[ P = \\frac{265{,}000 \\times 0.005}{1 - (1.005)^{-360}} \\approx \\frac{1{,}325}{0.833958} \\approx 1{,}588.81 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> \u00f6deme tutar\u0131 ayda yakla\u015f\u0131k \\(P = \\$1{,}588.81\\) dir. 360 \u00f6deme boyunca toplam yakla\u015f\u0131k \\(\\$571{,}970\\) geri \u00f6dersiniz; bunun \\(\\$306{,}970\\) kadar\u0131 faizdir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>\u0130stenen Tutar\u0131<\/strong> girin \u2014 finanse etmek istedi\u011finiz yat\u0131r\u0131m\u0131n toplam fiyat\u0131.<\/li>\n<li><strong>Pe\u015finat\u0131<\/strong>, istenen tutar\u0131n y\u00fczdesi olarak girin.<\/li>\n<li><strong>Kapan\u0131\u015f Maliyetini<\/strong> dolar cinsinden girin \u2014 kapan\u0131\u015fta \u00f6denen \u00fccretler.<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> y\u00fczde olarak girin (\u00f6rn. %6 i\u00e7in 6).<\/li>\n<li>Kredi vadesinin <strong>Y\u0131l Say\u0131s\u0131n\u0131<\/strong> girin.<\/li>\n<li><strong>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131n\u0131<\/strong> se\u00e7in: ayl\u0131k, \u00fc\u00e7 ayl\u0131k, alt\u0131 ayl\u0131k veya y\u0131ll\u0131k. G\u00f6r\u00fcnt\u00fclenen \u00f6deme, her bile\u015fik faiz d\u00f6neminde \u00f6denecek tutard\u0131r.<\/li>\n<li><strong>\u00d6deme Tutar\u0131n\u0131 (P)<\/strong> okuyun \u2014 krediyi tamamen amorti etmek i\u00e7in gereken d\u00f6nemsel \u00f6deme.<\/li>\n<\/ol>\n<h2>Yat\u0131r\u0131m \u00d6deme Tutar\u0131 Nedir?<\/h2>\n<p>Bir yat\u0131r\u0131m\u0131 finanse etti\u011finizde \u2014 en yayg\u0131n olarak bir yat\u0131r\u0131m m\u00fclk\u00fcn\u00fc, ancak ayn\u0131 zamanda ekipman\u0131 veya gelir getiren di\u011fer varl\u0131klar\u0131 \u2014 \u00f6deme tutar\u0131, krediyi vade sonuna kadar tamamen geri \u00f6demek i\u00e7in her d\u00f6nem \u00f6demeniz gereken sabit mebla\u011fd\u0131r. Her \u00f6deme, son \u00f6demeden bu yana birikmi\u015f faizi kar\u015f\u0131lar; kalan k\u0131s\u0131m kredi bakiyesini (anaparay\u0131) azalt\u0131r. Bu d\u00fczenli geri \u00f6deme yap\u0131s\u0131na amortisman denir.<\/p>\n<p>Bu hesaplay\u0131c\u0131, sat\u0131n almak istedi\u011finiz \u015feyden ba\u015flar ve fiilen \u00f6deyece\u011finiz tutara geriye do\u011fru \u00e7al\u0131\u015f\u0131r. \u00d6demeniz gereken borcu azaltan iki \u00f6n maliyet vard\u0131r: pe\u015finat (sat\u0131n alma fiyat\u0131n\u0131n kendi cebinizden \u00f6dedi\u011finiz y\u00fczdesi) ve kapan\u0131\u015f maliyetleri (kredi a\u00e7\u0131l\u0131\u015f\u0131, de\u011ferleme, tapu ve di\u011fer i\u015flem giderleri i\u00e7in \u00f6denen \u00fccretler). Kalan bakiye, belirtilen faiz oran\u0131yla vade boyunca amorti edilir.<\/p>\n<p>Sonucu nas\u0131l yorumlad\u0131\u011f\u0131n\u0131z, say\u0131n\u0131n kendisi kadar \u00f6nemlidir. \u00d6demeyi yat\u0131r\u0131m\u0131n \u00fcretmesi beklenen gelirle kar\u015f\u0131la\u015ft\u0131r\u0131n: beklenen kira veya i\u015fletme geliri \u00f6demeyi rahat\u00e7a a\u015f\u0131yorsa, yat\u0131r\u0131m kendi finansman\u0131n\u0131 kar\u015f\u0131layabilir. A\u015fm\u0131yorsa, daha b\u00fcy\u00fck bir pe\u015finat, daha uzun bir vade veya daha d\u00fc\u015f\u00fck bir sat\u0131n alma fiyat\u0131 gerekebilir. T\u00fcm projenin k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 de\u011ferlendirmek i\u00e7in bu rakam\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yatirim-getirisi\/\">Yat\u0131r\u0131m Getirisi hesaplay\u0131c\u0131m\u0131zla<\/a> veya daha genel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplay\u0131c\u0131s\u0131yla<\/a> birlikte kullan\u0131n.<\/p>\n<h2>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131 \u00d6nemlidir<\/h2>\n<p>Hesaplay\u0131c\u0131 ayl\u0131k, \u00fc\u00e7 ayl\u0131k, alt\u0131 ayl\u0131k ve y\u0131ll\u0131k bile\u015fik faizi destekler. S\u0131kl\u0131k hem d\u00f6nem ba\u015f\u0131na kullan\u0131lan oran\u0131 (\\(r\\)) hem de \u00f6deme say\u0131s\u0131n\u0131 (\\(n\\)) etkiler. 30 y\u0131l boyunca %6 ayl\u0131k bile\u015fik faizle 360 \u00f6deme yapars\u0131n\u0131z ve d\u00f6nem ba\u015f\u0131na oran %0,5 olur; y\u0131ll\u0131k bile\u015fik faizde ise yaln\u0131zca 30 \u00f6deme yapars\u0131n\u0131z ve her biri %6'd\u0131r. Di\u011fer her \u015fey e\u015fit oldu\u011funda, daha s\u0131k bile\u015fik faiz, kredinin efektif y\u0131ll\u0131k maliyetini hafif\u00e7e art\u0131r\u0131r.<\/p>\n<p>Amerika Birle\u015fik Devletleri'ndeki yat\u0131r\u0131m m\u00fclk\u00fc kredilerinin \u00e7o\u011fu ayl\u0131k olarak amorti edilir, bu y\u00fczden varsay\u0131lan ayar en yayg\u0131n duruma uygundur. Kredi vericiniz \u00fc\u00e7 ayl\u0131k veya y\u0131ll\u0131k \u00f6deme teklif ediyorsa a\u00e7\u0131l\u0131r men\u00fcy\u00fc buna g\u00f6re de\u011fi\u015ftirin \u2014 hesaplay\u0131c\u0131 d\u00f6n\u00fc\u015f\u00fcm\u00fc otomatik olarak yapar.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran, sabit \u00f6deme.<\/strong> Form\u00fcl, faiz oran\u0131n\u0131n hi\u00e7 de\u011fi\u015fmedi\u011fini varsayar. De\u011fi\u015fken faizli krediler (ARM) her d\u00fczellemeden sonra farkl\u0131 \u00f6demeler \u00fcretir.<\/li>\n<li><strong>Yaln\u0131zca e\u015fit \u00f6demeler.<\/strong> Yaln\u0131zca faiz \u00f6denen d\u00f6nemler, balon \u00f6demeler, kademeli \u00f6deme planlar\u0131 ve negatif amortisman modellenmemi\u015ftir.<\/li>\n<li><strong>Kapan\u0131\u015f maliyetleri \u00e7\u0131kar\u0131l\u0131r, finanse edilmez.<\/strong> Bu hesaplay\u0131c\u0131, kapan\u0131\u015f maliyetlerinin \u00f6d\u00fcn\u00e7 al\u0131nan tutar\u0131 azaltt\u0131\u011f\u0131n\u0131 varsayar. Uygulamada bir\u00e7ok bor\u00e7lu, kapan\u0131\u015f maliyetlerini teslim masas\u0131nda nakit \u00f6der veya krediye dahil eder; krediye dahil ediyorsan\u0131z, kapan\u0131\u015f maliyeti alan\u0131n\u0131 0 yap\u0131n ve istenen tutar\u0131 buna g\u00f6re art\u0131r\u0131n.<\/li>\n<li><strong>Vergiler, sigorta ve \u00fccretler hari\u00e7tir.<\/strong> Emlak vergileri, m\u00fclk sahibi sigortas\u0131, site aidat\u0131 (HOA) ve bak\u0131m giderleri dahil de\u011fildir \u2014 bir yat\u0131r\u0131m m\u00fclk\u00fcnde ger\u00e7ek ayl\u0131k harcaman\u0131z genellikle g\u00f6sterilen \u00f6demeden daha y\u00fcksek olacakt\u0131r. Eksiksiz bir <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">ipotek \u00f6demesi analizi<\/a> bunlar\u0131 hesaba katmal\u0131d\u0131r.<\/li>\n<li><strong>Erken \u00f6deme etkileri yoktur.<\/strong> Ek anapara \u00f6demeleri vadeyi k\u0131salt\u0131r ve toplam faizi azalt\u0131r, ancak bu hesaplaman\u0131n par\u00e7as\u0131 de\u011fildir.<\/li>\n<\/ul>\n<h2>Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li>Daha b\u00fcy\u00fck bir pe\u015finat hem kredi tutar\u0131n\u0131 hem de ayl\u0131k \u00f6demeyi azalt\u0131r \u2014 \u015fimdi yat\u0131r\u0131lan nakit ile sonraki nakit ak\u0131\u015f\u0131 aras\u0131ndaki dengeyi bulmak i\u00e7in <strong>Pe\u015finat<\/strong> alan\u0131yla denemeler yap\u0131n.&lt;\/n\n<li>Vadeyi k\u0131saltmak \u00f6demeyi y\u00fckseltir ancak toplam faizi dramatik bi\u00e7imde azalt\u0131r; uzatmak ise tersini yapar.<\/li>\n<li>Taahh\u00fctte bulunmadan \u00f6nce birka\u00e7 faiz oran\u0131 senaryosunu kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 yar\u0131m puan bile 30 y\u0131l boyunca \u00f6demeyi belirgin bi\u00e7imde de\u011fi\u015ftirir.<\/li>\n<li>Amac\u0131n\u0131z bor\u00e7 almak yerine d\u00fczenli katk\u0131larla servet in\u015fa etmekse, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/aylik-yatirim-birikimi\/\">Ayl\u0131k Yat\u0131r\u0131m Birikimi hesaplay\u0131c\u0131m\u0131za<\/a> ve kendi oturdu\u011funuz konut i\u00e7in kar\u015f\u0131la\u015ft\u0131rma yapmak amac\u0131yla <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplay\u0131c\u0131s\u0131na<\/a> bak\u0131n.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Yat\u0131r\u0131m kredisinin d\u00f6nemsel \u00f6demesini tahmin edin. Gerekli \u00f6demeyi g\u00f6rmek i\u00e7in istenen tutar\u0131, pe\u015finat\u0131, kapan\u0131\u015f maliyetlerini, faiz oran\u0131n\u0131, vadeyi ve bile\u015fik faiz s\u0131kl\u0131\u011f\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-456","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\/456","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=456"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/456\/revisions"}],"predecessor-version":[{"id":3297,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/456\/revisions\/3297"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=456"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=456"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=456"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}