{"id":500,"date":"2026-10-03T14:27:13","date_gmt":"2026-10-03T13:27:13","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/kredi-karsilastirma\/"},"modified":"2026-10-03T14:27:13","modified_gmt":"2026-10-03T13:27:13","slug":"kredi-karsilastirma","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kredi-karsilastirma\/","title":{"rendered":"Kredi Kar\u015f\u0131la\u015ft\u0131rma Hesaplay\u0131c\u0131s\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\">Kredileri \u00d6demeler ve Faiz Bak\u0131m\u0131ndan Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"500\" data-favorite-title=\"Kredi Kar\u015f\u0131la\u015ft\u0131rma\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-karsilastirma\/\" data-favorite-excerpt=\"\u0130ki krediyi yan yana kar\u015f\u0131la\u015ft\u0131r\u0131n: her biri i\u00e7in tutar\u0131, faiz oran\u0131n\u0131 ve vadeyi girin; her iki se\u00e7enek i\u00e7in ayl\u0131k \u00f6demeyi, toplam \u00f6demeyi ve toplam faizi an\u0131nda 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\/kredi-karsilastirma\/\" method=\"POST\" class=\"calculator\" id=\"calculator-500\" data-post=\"500\"><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\">1. Kredi Tutar\u0131 (P\u2081)<\/label><div class=\"term\">P1<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"1_kredi_tutar_p\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">1. kredinin tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">1. Kredi Y\u0131ll\u0131k Faiz Oran\u0131 (r\u2081)<\/label><div class=\"term\">r1<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"1_kredi_yllk_faiz_oran_r\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">1. kredinin y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">1. Kredi Vadesi (y\u0131l) (n\u2081)<\/label><div class=\"term\">n1<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"1_kredi_vadesi_yl_n\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">1. kredinin y\u0131l cinsinden vadesini girin<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">2. Kredi Tutar\u0131 (P\u2082)<\/label><div class=\"term\">P2<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"2_kredi_tutar_p\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"200000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">2. kredinin tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-5\"><label for=\"field-5\">2. Kredi Y\u0131ll\u0131k Faiz Oran\u0131 (r\u2082)<\/label><div class=\"term\">r2<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"2_kredi_yllk_faiz_oran_r\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4.5\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><small id=\"calc-info-5\">2. kredinin y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-6\"><label for=\"field-6\">2. Kredi Vadesi (y\u0131l) (n\u2082)<\/label><div class=\"term\">n2<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"2_kredi_vadesi_yl_n\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-6\">y\u0131l<\/div><small id=\"calc-info-6\">2. kredinin y\u0131l cinsinden vadesini girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"500\">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>1. Kredi Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>1. Kredi Toplam \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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 class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>1. Kredi Toplam Faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>2. Kredi Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/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 class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>2. Kredi Toplam \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-6\"><span class=\"field-title\"><span>2. Kredi Toplam Faiz<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/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=\"500\" 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 Kar\u015f\u0131la\u015ft\u0131rma 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{Ayl\u0131k \u00d6deme} = \\frac{P \\times r}{1 - (1 + r)^{-n}} \\\\ \\text{Toplam \u00d6deme} = \\text{Ayl\u0131k \u00d6deme} \\times n \\\\ \\text{Toplam Faiz} = \\text{Toplam \u00d6deme} - P \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 kredi anaparas\u0131 (\u00f6d\u00fcn\u00e7 al\u0131nan tutar)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnm\u00fc\u015f h\u00e2li)<\/li>\n<li>\\(n\\) \u2014 toplam ayl\u0131k \u00f6deme say\u0131s\u0131 (vade y\u0131l\u0131 \u00d7 12)<\/li>\n<li>\\(\\text{Toplam \u00d6deme}\\) \u2014 kredi s\u00fcresi boyunca yap\u0131lan t\u00fcm ayl\u0131k \u00f6demelerin toplam\u0131<\/li>\n<li>\\(\\text{Toplam Faiz}\\) \u2014 toplam bor\u00e7lanma maliyeti, yani anaparan\u0131n \u00fczerinde \u00f6denen her \u015fey<\/li>\n<\/ul>\n<p>Bunlar, sabit faizli ve tam amortismanl\u0131 bir kredi i\u00e7in standart form\u00fcllerdir. Hesaplay\u0131c\u0131 bu form\u00fclleri her krediye ayr\u0131 ayr\u0131 uygular ve sonu\u00e7lar\u0131 yan yana g\u00f6sterir.<\/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 Kar\u015f\u0131la\u015ft\u0131rma \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> tutar\u0131 \\(\\$200{,}000\\) olan iki 30 y\u0131ll\u0131k ipote\u011fi kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 1. Kredi y\u0131ll\u0131k %5 faizle, 2. Kredi %4,5 faizle.<\/p>\n<p>\\[ r_1 = \\frac{5\\%}{12} = 0{,}0041667, \\quad n = 30 \\times 12 = 360 \\text{ ay} \\]<\/p>\n<p>\\[ \\text{\u00d6deme}_1 = \\frac{200000 \\times 0{,}0041667}{1 - (1{,}0041667)^{-360}} \\approx \\$1{,}073.64 \\]<\/p>\n<p>Ayn\u0131 hesaplama, \\(r_2 = 0{,}045\/12 = 0{,}00375\\) ile 2. Kredi i\u00e7in tekrarlan\u0131r:<\/p>\n<p>\\[ \\text{\u00d6deme}_2 = \\frac{200000 \\times 0{,}00375}{1 - (1{,}00375)^{-360}} \\approx \\$1{,}013.37 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> 1. Kredi ayda \\(\\$1{,}073.64\\), toplam \\(\\$386{,}511.57\\) \u00f6deme ve \\(\\$186{,}511.57\\) faiz tutar\u0131ndad\u0131r. 2. Kredi ise ayda \\(\\$1{,}013.37\\), toplam \\(\\$364{,}813.45\\) \u00f6deme ve \\(\\$164{,}813.45\\) faiz tutar\u0131ndad\u0131r. %0,5 daha d\u00fc\u015f\u00fck oran ayda yakla\u015f\u0131k \\(\\$60.27\\) ve 30 y\u0131l boyunca kabaca \\(\\$21{,}698\\) tasarruf sa\u011flar.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r<\/h2>\n<ol>\n<li>\u00d6d\u00fcn\u00e7 al\u0131nan tutar\u0131 <strong>1. Kredi Tutar\u0131 (P\u2081)<\/strong> ve <strong>2. Kredi Tutar\u0131 (P\u2082)<\/strong> alanlar\u0131na girin.<\/li>\n<li>Y\u0131ll\u0131k faiz oranlar\u0131n\u0131 <strong>1. Kredi Y\u0131ll\u0131k Faiz Oran\u0131 (r\u2081)<\/strong> ve <strong>2. Kredi Y\u0131ll\u0131k Faiz Oran\u0131 (r\u2082)<\/strong> alanlar\u0131na y\u00fczde olarak girin (\u00f6rne\u011fin 4,5; 0,045 de\u011fil).<\/li>\n<li>Geri \u00f6deme s\u00fcrelerini y\u0131l cinsinden <strong>1. Kredi Vadesi (y\u0131l) (n\u2081)<\/strong> ve <strong>2. Kredi Vadesi (y\u0131l) (n\u2082)<\/strong> alanlar\u0131na girin.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: her kredi i\u00e7in ayl\u0131k \u00f6deme, toplam \u00f6deme ve toplam faiz g\u00f6r\u00fcnt\u00fclenir, b\u00f6ylece ikisini do\u011frudan kar\u015f\u0131la\u015ft\u0131rabilirsiniz.<\/li>\n<\/ol>\n<h2>Kredi kar\u015f\u0131la\u015ft\u0131rmas\u0131 ne anlama gelir<\/h2>\n<p>Bir kredi, yaln\u0131zca bir faiz oran\u0131ndan ibaret de\u011fildir. \u0130ki teklif tutar, oran ve vade a\u00e7\u0131s\u0131ndan farkl\u0131l\u0131k g\u00f6sterebilir ve bunlar\u0131n her biri ger\u00e7ekte \u00f6dedi\u011finiz tutar\u0131 de\u011fi\u015ftirir. Daha uzun vade ayl\u0131k \u00f6demeyi d\u00fc\u015f\u00fcr\u00fcr ama toplam faizi art\u0131r\u0131r; daha d\u00fc\u015f\u00fck oran ise ikisini de azalt\u0131r. Bu etkiler farkl\u0131 y\u00f6nlerde \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u00e7in kredileri tek bir say\u0131yla kar\u015f\u0131la\u015ft\u0131rmak yan\u0131lt\u0131c\u0131d\u0131r \u2014 b\u00fct\u00fcn tabloyu g\u00f6rmeniz gerekir.<\/p>\n<p>Ayl\u0131k \u00f6deme b\u00fct\u00e7eniz i\u00e7in \u00f6nemlidir: kredinin gelirinize ve di\u011fer y\u00fck\u00fcml\u00fcl\u00fcklerinize uyup uymad\u0131\u011f\u0131n\u0131 size s\u00f6yler. Toplam faiz ise uzun vadeli servetiniz i\u00e7in \u00f6nemlidir: paran\u0131n ger\u00e7ek bor\u00e7lanma maliyeti budur. Ayl\u0131k \u00f6demesi rahat bir kredi, \u00f6mr\u00fc boyunca biraz daha zorlay\u0131c\u0131 bir alternatiften on binlerce dolar fazla mal olabilir.<\/p>\n<p>Do\u011fru se\u00e7im \u00f6nceliklerinize ba\u011fl\u0131d\u0131r. Nakit ak\u0131\u015f\u0131n\u0131z darsa, daha d\u00fc\u015f\u00fck ayl\u0131k \u00f6demeli kredi ekstra faize de\u011febilir. Her iki \u00f6demeyi de rahat\u00e7a kar\u015f\u0131layabiliyorsan\u0131z, toplam maliyeti daha k\u00fc\u00e7\u00fck olan kredi genellikle daha iyi f\u0131rsatt\u0131r \u2014 krediyi erken kapatmay\u0131 ya da fark\u0131 ba\u015fka yerde yat\u0131rmay\u0131 planlam\u0131yorsan\u0131z.<\/p>\n<h2>Varsay\u0131mlar ve s\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran, sabit \u00f6deme.<\/strong> Hesaplay\u0131c\u0131, e\u015fit ayl\u0131k \u00f6demeli, sabit faizli ve tam amortismanl\u0131 bir kredi varsayar. De\u011fi\u015fken faizli krediler (ARM), sadece faiz \u00f6denen d\u00f6nemler ve balon \u00f6demeler modellenmemi\u015ftir.<\/li>\n<li><strong>Ayl\u0131k bile\u015fik faiz.<\/strong> Y\u0131ll\u0131k oran 12'ye b\u00f6l\u00fcn\u00fcr ve her ay kalan bakiyeye uygulan\u0131r. Ger\u00e7ek kredi verenlerin \u00f6deme planlar\u0131, \u00f6zellikle kapan\u0131\u015f tarihleri ve ilk \u00f6demeler civar\u0131nda, hafif\u00e7e farkl\u0131l\u0131k g\u00f6sterebilir.<\/li>\n<li><strong>\u00dccretler hari\u00e7tir.<\/strong> Dosya masraflar\u0131, kapan\u0131\u015f maliyetleri, puanlar ve sigorta dahil de\u011fildir. Adil bir kar\u015f\u0131la\u015ft\u0131rma i\u00e7in bunlar\u0131 toplam maliyete kendiniz ekleyin ya da her teklifin Y\u0131ll\u0131k Maliyet Oran\u0131n\u0131 (APR) kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">\u0130potek APR Hesaplay\u0131c\u0131s\u0131<\/a>'na bak\u0131n.<\/li>\n<li><strong>Ek \u00f6demeler hari\u00e7tir.<\/strong> Anaparaya yap\u0131lan ek \u00f6demeler vadeyi k\u0131salt\u0131r ve faizi azalt\u0131r; bu kar\u015f\u0131la\u015ft\u0131rma bunu g\u00f6stermez.<\/li>\n<li><strong>Yaln\u0131zca maliyet kar\u015f\u0131la\u015ft\u0131rmas\u0131.<\/strong> Ara\u00e7 maliyetleri kar\u015f\u0131la\u015ft\u0131r\u0131r, uygunlu\u011fu de\u011fil. Daha d\u00fc\u015f\u00fck \u00f6demeli daha uzun vade otomatik olarak daha iyi de\u011fildir \u2014 sadece ayl\u0131k rahatl\u0131k kar\u015f\u0131l\u0131\u011f\u0131nda daha y\u00fcksek toplam faiz demektir.<\/li>\n<\/ul>\n<h2>Pratik ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li>M\u00fcmk\u00fcn oldu\u011funda <em>ayn\u0131 anaparal\u0131<\/em> kredileri kar\u015f\u0131la\u015ft\u0131r\u0131n; aksi h\u00e2lde farklar kredi ko\u015fullar\u0131n\u0131 de\u011fil, kredi b\u00fcy\u00fckl\u00fcklerini yans\u0131t\u0131r.<\/li>\n<li>Yukar\u0131daki \u00f6rnekte g\u00f6r\u00fcld\u00fc\u011f\u00fc gibi, %0,25\u20130,5'lik bir oran fark\u0131 bile 20\u201330 y\u0131l boyunca \u00e7arp\u0131c\u0131 bi\u00e7imde birikir.<\/li>\n<li>Birka\u00e7 kredi verenden ayn\u0131 g\u00fcn teklif al\u0131n \u2014 oranlar her g\u00fcn de\u011fi\u015fir ve farkl\u0131 tarihlerden al\u0131nan teklifleri kar\u015f\u0131la\u015ft\u0131rmak yan\u0131lt\u0131c\u0131 olabilir.<\/li>\n<li>Tek bir se\u00e7ene\u011fin daha derin analiz i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplay\u0131c\u0131s\u0131<\/a>'n\u0131, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplay\u0131c\u0131s\u0131<\/a>'n\u0131 veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">Ta\u015f\u0131t Kredisi Hesaplay\u0131c\u0131s\u0131<\/a>'n\u0131 kullan\u0131n.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0130ki krediyi yan yana kar\u015f\u0131la\u015ft\u0131r\u0131n: her biri i\u00e7in tutar\u0131, faiz oran\u0131n\u0131 ve vadeyi girin; her iki se\u00e7enek i\u00e7in ayl\u0131k \u00f6demeyi, toplam \u00f6demeyi ve toplam faizi an\u0131nda 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-500","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\/500","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=500"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/500\/revisions"}],"predecessor-version":[{"id":3291,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/500\/revisions\/3291"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}