{"id":493,"date":"2026-10-03T14:26:20","date_gmt":"2026-10-03T13:26:20","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/kredi-tutari\/"},"modified":"2026-10-03T14:26:20","modified_gmt":"2026-10-03T13:26:20","slug":"kredi-tutari","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kredi-tutari\/","title":{"rendered":"Kredi 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\">Kredi Anaparas\u0131 Hesaplama Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"493\" data-favorite-title=\"Kredi Tutar\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-tutari\/\" data-favorite-excerpt=\"\u00d6deyebilece\u011finiz taksit tutar\u0131na g\u00f6re ne kadar kredi \u00e7ekebilece\u011finizi \u00f6\u011frenin. Kredi tutar\u0131n\u0131 hesaplamak i\u00e7in \u00f6deme tutar\u0131n\u0131z\u0131, kredi vadesini (y\u0131l olarak), faiz oran\u0131n\u0131 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\/kredi-tutari\/\" method=\"POST\" class=\"calculator\" id=\"calculator-493\" data-post=\"493\"><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\">\u00d6deme Tutar\u0131<\/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=\"deme_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">D\u00f6nemsel \u00f6deme tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">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-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20\"\/><div class=\"unit\" id=\"calc-unit-2\">y\u0131l<\/div><small id=\"calc-info-2\">Y\u0131l say\u0131s\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Y\u0131ll\u0131k Faiz Oran\u0131<\/label><div class=\"term\">r<\/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-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><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\">Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-4\" name=\"bileik_faiz_skl\"><option value=\"0\">Ayl\u0131k<\/option><option value=\"1\">\u00dc\u00e7 Ayl\u0131k<\/option><option value=\"2\">Alt\u0131 Ayl\u0131k<\/option><option value=\"3\">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=\"493\">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 Tutar\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=\"493\" 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>Kredi 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\\[\nL = \\frac{P \\times \\left(1 - (1 + r)^{-n}\\right)}{r}\n\\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(L\\) \u2014 kredi tutar\u0131, \u00e7ekebilece\u011finiz ana para<\/li>\n<li>\\(P\\) \u2014 d\u00f6nem ba\u015f\u0131na \u00f6deme tutar\u0131<\/li>\n<li>\\(r\\) \u2014 d\u00f6nem ba\u015f\u0131na faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n y\u0131ll\u0131k bile\u015fik faiz d\u00f6nem say\u0131s\u0131na b\u00f6l\u00fcnmesiyle bulunur)<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme say\u0131s\u0131 (y\u0131l say\u0131s\u0131n\u0131n y\u0131ll\u0131k d\u00f6nem say\u0131s\u0131yla \u00e7arp\u0131lmas\u0131yla bulunur)<\/li>\n<\/ul>\n<p>Bu, adi an\u00fcitenin bug\u00fcnk\u00fc de\u011fer form\u00fcl\u00fcd\u00fcr: gelecekteki \u00f6deme ak\u0131\u015f\u0131n\u0131 d\u00f6nemsel faiz oran\u0131yla bug\u00fcne indirger ve bu \u00f6demelerin ta\u015f\u0131yabilece\u011fi kredi anaparas\u0131n\u0131 verir. Faiz oran\u0131 0 ise form\u00fcl \\(L = P \\times n\\) \u015feklinde sadele\u015fir.<\/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>Kredi Tutar\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 20 y\u0131l boyunca ayda 500 $ \u00f6deme yapabiliyorsunuz ve y\u0131ll\u0131k faiz oran\u0131 ayl\u0131k bile\u015fik olarak %5.<\/p>\n<p>\\[ r = \\frac{0.05}{12} = 0.0041667 \\quad n = 20 \\times 12 = 240 \\]<\/p>\n<p>\\[ L = \\frac{500 \\times \\left(1 - (1.0041667)^{-240}\\right)}{0.0041667} = \\frac{500 \\times 0.6313554}{0.0041667} \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> \u00e7ekebilece\u011finiz kredi tutar\u0131 yakla\u015f\u0131k <strong>75.762,65 $<\/strong>. 240 ay boyunca toplam 120.000 $ \u00f6dersiniz; bunun yakla\u015f\u0131k 44.237 $'\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>\u00d6deme Tutar\u0131n\u0131<\/strong> girin \u2014 her d\u00f6nem yapabilece\u011finiz sabit \u00f6deme (ayl\u0131k bile\u015fik faizde bu, ayl\u0131k taksitinizdir).<\/li>\n<li><strong>Y\u0131l Say\u0131s\u0131n\u0131<\/strong> girin \u2014 kredi vadesinin tam uzunlu\u011fu.<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> y\u00fczde olarak girin (\u00f6rne\u011fin %5 i\u00e7in 5 yaz\u0131n, 0,05 de\u011fil).<\/li>\n<li><strong>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131n\u0131<\/strong> se\u00e7in \u2014 Ayl\u0131k, \u00dc\u00e7 Ayl\u0131k, Alt\u0131 Ayl\u0131k veya Y\u0131ll\u0131k. \u00d6deme tutar\u0131n\u0131n da ayn\u0131 s\u0131kl\u0131kla yap\u0131ld\u0131\u011f\u0131 varsay\u0131l\u0131r.<\/li>\n<li><strong>Kredi Tutar\u0131n\u0131<\/strong> okuyun \u2014 bu ko\u015fullar alt\u0131nda \u00f6deme ak\u0131\u015f\u0131n\u0131z\u0131n ta\u015f\u0131yabilece\u011fi en y\u00fcksek anapara.<\/li>\n<\/ol>\n<h2>Kredi Tutar\u0131 Hesaplay\u0131c\u0131s\u0131 Ne Yapar?<\/h2>\n<p>Kredi hesaplay\u0131c\u0131lar\u0131n\u0131n \u00e7o\u011fu ters y\u00f6nde \u00e7al\u0131\u015f\u0131r: kredi tutar\u0131n\u0131 girersiniz ve size taksiti s\u00f6ylerler. Bu hesaplay\u0131c\u0131 soruyu tersine \u00e7evirir. Rahat\u00e7a \u00f6deyebilece\u011finiz taksitten yola \u00e7\u0131kar ve belirli bir vade ve faiz oran\u0131yla ne kadar anapara \u00e7ekebilece\u011finizi s\u00f6yler. Bu da onu pratik bir b\u00fct\u00e7eleme arac\u0131 yapar: bir kredi b\u00fcy\u00fckl\u00fc\u011f\u00fc se\u00e7ip taksitlerin uymas\u0131n\u0131 ummak yerine, b\u00fct\u00e7eniz krediyi belirler.<\/p>\n<p>Matematiksel olarak hesaplay\u0131c\u0131, <em>an\u00fcitenin bug\u00fcnk\u00fc de\u011ferini<\/em> hesaplar \u2014 d\u00fczenli aral\u0131klarla yap\u0131lan e\u015fit \u00f6demelerin indirimli de\u011ferini. Gelecekteki her \u00f6deme bug\u00fcn\u00fcn paras\u0131yla daha az de\u011ferdedir (ayn\u0131 oranla yat\u0131r\u0131labilece\u011fi i\u00e7in), dolay\u0131s\u0131yla kredi tutar\u0131 her zaman \u00f6deme ile \u00f6deme say\u0131s\u0131n\u0131n basit \u00e7arp\u0131m\u0131ndan k\u00fc\u00e7\u00fckt\u00fcr. \u00d6rne\u011fin %5 oranla 20 y\u0131l boyunca ayl\u0131k 500 $, yakla\u015f\u0131k 75.763 $ bor\u00e7lanmay\u0131 destekler, ger\u00e7ekte \u00f6deyece\u011finiz 120.000 $'\u0131 de\u011fil.<\/p>\n<p>Sonu\u00e7 bir\u00e7ok ger\u00e7ek ya\u015fam durumunda faydal\u0131d\u0131r: belirli bir ayl\u0131k b\u00fct\u00e7eyle ne fiyatl\u0131k ev bakabilece\u011finizi tahmin etmek, ara\u00e7 kredisine dair pazarl\u0131k \u00f6ncesi bir fiyat \u00fcst s\u0131n\u0131r\u0131 belirlemek veya vade ya da orandaki bir de\u011fi\u015fikli\u011fin bor\u00e7lanma g\u00fcc\u00fcn\u00fcz\u00fc nas\u0131l kayd\u0131rd\u0131\u011f\u0131n\u0131 g\u00f6rmek. Daha uzun vade veya daha d\u00fc\u015f\u00fck oran, ayn\u0131 \u00f6demeyle destekleyebilece\u011finiz kredi tutar\u0131n\u0131 art\u0131r\u0131r; daha k\u0131sa vade azalt\u0131r ama toplam faizi g\u00f6zle g\u00f6r\u00fcl\u00fcr bi\u00e7imde d\u00fc\u015f\u00fcr\u00fcr. \u00d6deme taraf\u0131n\u0131 ke\u015ffetmek isterseniz <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplay\u0131c\u0131'y\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Konut Kredisi Hesaplay\u0131c\u0131'y\u0131<\/a> deneyin.<\/p>\n<h2>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131 ve \u00d6deme Zamanlamas\u0131<\/h2>\n<p>Se\u00e7ti\u011finiz bile\u015fik faiz s\u0131kl\u0131\u011f\u0131 hem d\u00f6nemsel oran\u0131 \\(r\\) hem de \u00f6deme say\u0131s\u0131n\u0131 \\(n\\) belirler:<\/p>\n<table>\n<thead>\n<tr>\n<th>S\u0131kl\u0131k<\/th>\n<th>Y\u0131ll\u0131k d\u00f6nem say\u0131s\u0131<\/th>\n<th>D\u00f6nemsel oran<\/th>\n<th>\u00d6demeler<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ayl\u0131k<\/td>\n<td>12<\/td>\n<td>y\u0131ll\u0131k oran \u00f7 12<\/td>\n<td>y\u0131l \u00d7 12<\/td>\n<\/tr>\n<tr>\n<td>\u00dc\u00e7 ayl\u0131k<\/td>\n<td>4<\/td>\n<td>y\u0131ll\u0131k oran \u00f7 4<\/td>\n<td>y\u0131l \u00d7 4<\/td>\n<\/tr>\n<tr>\n<td>Alt\u0131 ayl\u0131k<\/td>\n<td>2<\/td>\n<td>y\u0131ll\u0131k oran \u00f7 2<\/td>\n<td>y\u0131l \u00d7 2<\/td>\n<\/tr>\n<tr>\n<td>Y\u0131ll\u0131k<\/td>\n<td>1<\/td>\n<td>y\u0131ll\u0131k oran<\/td>\n<td>y\u0131l<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Girdi\u011finiz \u00f6deme tutar\u0131n\u0131n se\u00e7ti\u011finiz s\u0131kl\u0131kla uyumlu oldu\u011fundan emin olun: ayl\u0131k bile\u015fik faizde ayl\u0131k \u00f6deme, y\u0131ll\u0131k bile\u015fik faizde y\u0131ll\u0131k \u00f6deme girin.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran ve sabit \u00f6deme.<\/strong> Form\u00fcl, t\u00fcm vade boyunca sabit faiz oran\u0131 ve e\u015fit \u00f6demeler varsayar. De\u011fi\u015fken faizli krediler ve ayarlanabilir faizli konut kredileri farkl\u0131 davran\u0131r.<\/li>\n<li><strong>Adi an\u00fcite.<\/strong> \u00d6demelerin her d\u00f6nemin sonunda yap\u0131ld\u0131\u011f\u0131 varsay\u0131l\u0131r; bu da \u00e7o\u011fu taksitli kredinin \u00e7al\u0131\u015fma \u015fekline uygundur.<\/li>\n<li><strong>Masraf ve maliyet yok.<\/strong> Dosya masraflar\u0131, puanlar, sigorta ve vergiler dahil de\u011fildir. Bunlar eklendi\u011finde ger\u00e7ek bor\u00e7lanma g\u00fcc\u00fc bir miktar daha d\u00fc\u015f\u00fckt\u00fcr \u2014 oranlar\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">Konut Kredisi Y\u0131ll\u0131k Maliyet Oran\u0131 (APR)<\/a> yakla\u015f\u0131m\u0131yla kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li><strong>Yaln\u0131zca faiz.<\/strong> Sonu\u00e7, \u00f6demelerin amortisman edebilece\u011fi ana parad\u0131r; onay\u0131n gelir, kredi notu ve bor\u00e7\/gelir oran\u0131na da ba\u011fl\u0131 oldu\u011fu i\u00e7in bu tutar\u0131n kredi kurulu\u015fu taraf\u0131ndan onaylanaca\u011f\u0131n\u0131 garanti etmez.<\/li>\n<\/ul>\n<p>Bilinen bir kredi tutar\u0131 i\u00e7in taksiti bulmayla ilgili sorun i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">Konut Kredisi Taksiti<\/a> hesaplay\u0131c\u0131s\u0131n\u0131 kullan\u0131n. Ara\u00e7 finansman\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">Ara\u00e7 Kredisi<\/a> hesaplay\u0131c\u0131s\u0131 pe\u015finatara\u00e7 takas\u0131n\u0131 da kapsar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00d6deyebilece\u011finiz taksit tutar\u0131na g\u00f6re ne kadar kredi \u00e7ekebilece\u011finizi \u00f6\u011frenin. Kredi tutar\u0131n\u0131 hesaplamak i\u00e7in \u00f6deme tutar\u0131n\u0131z\u0131, kredi vadesini (y\u0131l olarak), faiz oran\u0131n\u0131 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-493","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\/493","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=493"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/493\/revisions"}],"predecessor-version":[{"id":3295,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/493\/revisions\/3295"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}