{"id":556,"date":"2026-10-03T14:39:34","date_gmt":"2026-10-03T13:39:34","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/konut-kredisi-on-degerlendirme\/"},"modified":"2026-10-03T14:39:34","modified_gmt":"2026-10-03T13:39:34","slug":"konut-kredisi-on-degerlendirme","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-on-degerlendirme\/","title":{"rendered":"Konut Kredisi \u00d6n De\u011ferlendirme 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\">Konut Kredisi \u00d6n De\u011ferlendirme Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"556\" data-favorite-title=\"Konut Kredisi \u00d6n De\u011ferlendirme\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-on-degerlendirme\/\" data-favorite-excerpt=\"Ne kadar konut kredisine \u00f6n onay alabilece\u011finizi tahmin edin. Ayl\u0131k gelirinizi, bor\u00e7lar\u0131n\u0131z\u0131, pe\u015finat\u0131n\u0131z\u0131, faiz oran\u0131n\u0131 ve vade s\u00fcresini girin; maksimum taksitinizi, kredi tutar\u0131n\u0131z\u0131 ve toplam ev fiyat\u0131n\u0131z\u0131 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\/konut-kredisi-on-degerlendirme\/\" method=\"POST\" class=\"calculator\" id=\"calculator-556\" data-post=\"556\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Ayl\u0131k Gelir<\/label><input type=\"text\" name=\"aylk_gelir\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Br\u00fct ayl\u0131k gelirinizi girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Di\u011fer Ayl\u0131k Gelirler<\/label><input type=\"text\" name=\"dier_aylk_gelirler\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Varsa di\u011fer ayl\u0131k gelirlerinizi girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Ayl\u0131k Bor\u00e7 \u00d6demeleri<\/label><input type=\"text\" name=\"aylk_bor_demeleri\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"500\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Ayl\u0131k bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fcklerinizi girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Pe\u015finat<\/label><input type=\"text\" name=\"peinat\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"20000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><small id=\"calc-info-4\">Kullan\u0131labilir pe\u015finat tutar\u0131n\u0131z\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Tahmini Faiz Oran\u0131<\/label><input type=\"text\" name=\"tahmini_faiz_oran\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><small id=\"calc-info-5\">Tahmini kredi faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Kredi Vadesi (Y\u0131l)<\/label><input type=\"text\" name=\"kredi_vadesi_yl\" 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\">\u0130stedi\u011finiz kredi vadesini girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"556\">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>Maksimum Kredi Taksidi<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Tahmini Kredi Tutar\u0131<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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>Toplam Konut Fiyat\u0131 (Kredi + Pe\u015finat)<\/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><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=\"556\" 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>Konut Kredisi \u00d6n De\u011ferlendirme 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\\[\n\\text{Maksimum Kredi Taksiti} = (\\text{Ayl\u0131k Gelir} + \\text{Di\u011fer Gelir}) \\times 0.28 - \\text{Ayl\u0131k Bor\u00e7 \u00d6demeleri}\n\\\\\n\\text{Kredi Tutar\u0131} = \\frac{\\text{Maksimum Kredi Taksiti} \\times \\left(1 - (1 + r)^{-n}\\right)}{r}\n\\\\\n\\text{Toplam Ev Fiyat\u0131} = \\text{Kredi Tutar\u0131} + \\text{Pe\u015finat}\n\\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(\\text{Ayl\u0131k Gelir}\\) \u2014 ana ayl\u0131k br\u00fct geliriniz ($)<\/li>\n<li>\\(\\text{Di\u011fer Gelir}\\) \u2014 ikinci bir i\u015f, kira geliri veya primler gibi ek ayl\u0131k gelir ($)<\/li>\n<li>\\(\\text{Ayl\u0131k Bor\u00e7 \u00d6demeleri}\\) \u2014 ara\u00e7 kredisi, \u00f6\u011frenci kredisi ve kredi kart\u0131 asgari \u00f6demeleri gibi mevcut ayl\u0131k bor\u00e7 y\u00fck\u00fcml\u00fcl\u00fckleriniz ($)<\/li>\n<li>\\(r\\) \u2014 ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnmesiyle bulunur)<\/li>\n<li>\\(n\\) \u2014 toplam ayl\u0131k \u00f6deme say\u0131s\u0131 (vade y\u0131l\u0131 \u00d7 12)<\/li>\n<\/ul>\n<p>\u0130lk sat\u0131r, konut b\u00fct\u00e7enizi br\u00fct gelirin %28'inde s\u0131n\u0131rlar ve \u00fcst\u00fcn\u00fcze y\u00fcklenen maksimum ayl\u0131k kredi taksitini bulmak i\u00e7in mevcut bor\u00e7 \u00f6demelerinizi \u00e7\u0131kar\u0131r. \u0130kinci sat\u0131r, bu taksiti standart amortisman form\u00fcl\u00fc kullanarak kredi anaparas\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fcr.<\/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>Konut Kredisi \u00d6n De\u011ferlendirme \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir hane halk\u0131n\u0131n ana gelirinden ayda 6.000 $, di\u011fer gelirlerden 500 $ kazanc\u0131 var, ayl\u0131k 500 $ bor\u00e7 \u00f6demesi yap\u0131yor, 20.000 $ pe\u015finat \u00f6deyebiliyor ve 30 y\u0131ll\u0131k kredide %5 faiz oran\u0131 bekliyor.<\/p>\n<p>\\[<br \/>\n\\text{Maksimum Taksit} = (6000 + 500) \\times 0.28 - 500 = 1820 - 500 = 1320<br \/>\n\\]<\/p>\n<p>\\[<br \/>\nr = \\frac{5\\%}{12} = 0.004167, \\quad n = 30 \\times 12 = 360<br \/>\n\\]<\/p>\n<p>\\[<br \/>\n\\text{Kredi Tutar\u0131} = \\frac{1320 \\times (1 - 1.004167^{-360})}{0.004167} \\approx 245{,}891<br \/>\n\\]<\/p>\n<p>\\[<br \/>\n\\text{Toplam Ev Fiyat\u0131} = 245{,}891 + 20{,}000 = 265{,}891<br \/>\n\\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> maksimum kredi taksiti ayda 1.320 $ olup bu, yakla\u015f\u0131k 245.891 $ tahmini kredi tutar\u0131n\u0131 ve yakla\u015f\u0131k 265.891 $ toplam ev fiyat\u0131n\u0131 destekler.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Ayl\u0131k Gelirinizi<\/strong> girin \u2014 ana kayna\u011f\u0131n\u0131zdan elde etti\u011finiz br\u00fct (vergi \u00f6ncesi) gelir, ayda dolar olarak.<\/li>\n<li>Yan i\u015flerden, kiradan veya di\u011fer d\u00fczenli kaynaklardan gelen <strong>Di\u011fer Ayl\u0131k Gelirleri<\/strong> ekleyin; yoksa 0 girin.<\/li>\n<li><strong>Ayl\u0131k Bor\u00e7 \u00d6demelerinizi<\/strong> girin \u2014 ara\u00e7 kredisi, \u00f6\u011frenci kredisi, kredi kart\u0131 ve di\u011fer y\u00fck\u00fcml\u00fcl\u00fcklerin asgari \u00f6demelerinin toplam\u0131.<\/li>\n<li><strong>Pe\u015finat\u0131n\u0131z\u0131<\/strong> girin \u2014 elinizde haz\u0131r bulunan nakit.<\/li>\n<li>Size teklif edilmesini bekledi\u011finiz <strong>Tahmini Faiz Oran\u0131n\u0131<\/strong> girin (y\u00fczde olarak, \u00f6rne\u011fin %5 i\u00e7in 5).<\/li>\n<li><strong>Kredi Vadesini (Y\u0131l)<\/strong> girin \u2014 genellikle 15, 20 veya 30 y\u0131l.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Maksimum Kredi Taksitiniz<\/strong>, <strong>Tahmini Kredi Tutar\u0131n\u0131z<\/strong> ve <strong>Toplam Ev Fiyat\u0131n\u0131z<\/strong> otomatik olarak g\u00fcncellenir.<\/li>\n<\/ol>\n<p>Geliriniz \u00e7ok d\u00fc\u015f\u00fckse veya bor\u00e7lar\u0131n\u0131z %28 kural\u0131 alt\u0131nda herhangi bir kredi taksitini kar\u015f\u0131lamaya yetmeyecek kadar y\u00fcksekse, hesaplama arac\u0131 sonu\u00e7 yerine bir hata mesaj\u0131 g\u00f6sterir.<\/p>\n<h2>Konut Kredisi \u00d6n De\u011ferlendirme Nedir?<\/h2>\n<p>Konut kredisi \u00f6n de\u011ferlendirme, bir kredi kurumunun size ne kadar kredi vermeye istekli olabilece\u011fine dair gayri resmi, ilk a\u015fama bir tahmindir. Tam \u00f6n onay i\u00e7in gerekli kredi kontrol\u00fc ve belge do\u011frulamas\u0131 yap\u0131lmadan, yaln\u0131zca verdi\u011finiz finansal bilgilere \u2014 gelir, bor\u00e7lar, pe\u015finat ve beklenen kredi ko\u015fullar\u0131na \u2014 dayan\u0131r. Kredi kurumlar\u0131, ev aramaya ba\u015flamadan \u00f6nce h\u0131zl\u0131 bir ger\u00e7eklik kontrol\u00fc olarak bunu kullan\u0131r; bu hesaplama arac\u0131 da \u00f6yle.<\/p>\n<p>Bu hesaplama arac\u0131, ayl\u0131k konut giderini (anapara ve faiz) br\u00fct ayl\u0131k gelirin %28'inde s\u0131n\u0131rlayan yayg\u0131n bir kredi kural\u0131 olan <strong>%28 kural\u0131n\u0131<\/strong> uygular. Ard\u0131ndan, kredi i\u00e7in ne kadar yer kald\u0131\u011f\u0131n\u0131 bulmak \u00fczere mevcut ayl\u0131k bor\u00e7 \u00f6demelerinizi \u00e7\u0131kar\u0131r. Elde edilen taksit, standart amortisman form\u00fcl\u00fcyle kredi tutar\u0131na d\u00f6n\u00fc\u015ft\u00fcr\u00fcl\u00fcr; b\u00f6ylece o ayl\u0131k rakam\u0131n arkas\u0131ndaki ger\u00e7ek bor\u00e7lanma g\u00fcc\u00fcn\u00fc g\u00f6rebilirsiniz.<\/p>\n<p>Sonucu yorumlamak kolayd\u0131r: <strong>Tahmini Kredi Tutar\u0131<\/strong> kabaca kar\u015f\u0131layabilece\u011finiz anaparad\u0131r ve <strong>Toplam Ev Fiyat\u0131<\/strong> da bu tutar art\u0131 pe\u015finat\u0131n\u0131zd\u0131r \u2014 fiilen al\u0131\u015fveri\u015f b\u00fct\u00e7eniz. Unutmay\u0131n ki kredi kurumunun karar\u0131, kredi puan\u0131n\u0131z\u0131, i\u015f ge\u00e7mi\u015finizi, varl\u0131klar\u0131n\u0131z\u0131 ve m\u00fclk\u00fcn tam bir ekspertizini de dikkate alacakt\u0131r.<\/p>\n<p>Bir tahmin elde ettikten sonra, kredinin aydan aya ger\u00e7ekte neye mal olaca\u011f\u0131n\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Konut Kredisi Hesaplama Arac\u0131<\/a> veya \u00f6zel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">Konut Kredisi Taksit Hesaplama Arac\u0131<\/a> ile inceleyebilirsiniz. Di\u011fer finansman se\u00e7eneklerini kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama Arac\u0131<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">Ara\u00e7 Kredisi Hesaplama Arac\u0131<\/a> ki\u015fisel ve ta\u015f\u0131t kredileri i\u00e7in ayn\u0131 \u015fekilde \u00e7al\u0131\u015f\u0131r.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Br\u00fct gelir esas\u0131:<\/strong> %28 kural\u0131 vergi \u00f6ncesi geliri kullan\u0131r. Ger\u00e7ek ele ge\u00e7en \u00fccretiniz daha d\u00fc\u015f\u00fck olacakt\u0131r; bu nedenle elde edilen taksitin ger\u00e7ek ayl\u0131k b\u00fct\u00e7enize uydu\u011fundan emin olun.<\/li>\n<li><strong>Yaln\u0131zca anapara ve faiz:<\/strong> tahmini taksit, ayda y\u00fczlerce dolar ekleyebilecek emlak vergilerini, konut sigortas\u0131n\u0131, site aidatlar\u0131n\u0131 veya \u00f6zel ipotek sigortas\u0131n\u0131 (PMI) i\u00e7ermez. Kredi kurumlar\u0131 tam rakama genellikle \"PITI\" der.<\/li>\n<li><strong>Basitle\u015ftirilmi\u015f bor\u00e7 i\u015flemi:<\/strong> bu hesaplama arac\u0131, ayl\u0131k bor\u00e7 \u00f6demelerinizi do\u011frudan %28'lik konut \u00f6dene\u011finden d\u00fc\u015fer. Ger\u00e7ek kredi kurumlar\u0131 genellikle hem \u00f6n oran (%28 konut i\u00e7in) hem arka oran (%36\u201343 konut art\u0131 t\u00fcm bor\u00e7lar i\u00e7in) uygular; bu nedenle ger\u00e7ek sonu\u00e7lar farkl\u0131 olabilir.<\/li>\n<li><strong>Sabit faiz varsay\u0131m\u0131:<\/strong> amortisman form\u00fcl\u00fc, sabit faiz oran\u0131 ve t\u00fcm vade boyunca e\u015fit ayl\u0131k \u00f6demeler varsayar. De\u011fi\u015fken faizli konut kredileri farkl\u0131 rakamlar \u00fcretecektir.<\/li>\n<li><strong>Kredi de\u011ferlemesi yok:<\/strong> \u00f6n de\u011ferlendirme, kredi puan\u0131n\u0131z\u0131 veya kredi ge\u00e7mi\u015finizi kontrol etmez; oysa ikisi de size teklif edilecek oran\u0131 \u2014 dolay\u0131s\u0131yla kredi tutar\u0131n\u0131z\u0131 \u2014 g\u00fc\u00e7l\u00fc \u015fekilde etkiler.<\/li>\n<li><strong>Pe\u015finat etkileri:<\/strong> ev fiyat\u0131n\u0131n %20'sinin alt\u0131ndaki bir pe\u015finat genellikle PMI'y\u0131 tetikler; daha b\u00fcy\u00fck bir pe\u015finat gereken kredi tutar\u0131n\u0131 azalt\u0131r ancak bu arac\u0131n hesaplad\u0131\u011f\u0131 maksimum taksiti de\u011fi\u015ftirmez.<\/li>\n<\/ul>\n<p>Sonucu bir kredi karar\u0131 de\u011fil, bir planlama arac\u0131 olarak g\u00f6r\u00fcn. Sat\u0131n almaya haz\u0131r oldu\u011funuzda, gelirinizi, kredinizi ve varl\u0131klar\u0131n\u0131z\u0131 do\u011frulayan ve sat\u0131c\u0131lar nezdinde \u00e7ok daha a\u011f\u0131r basan resmi bir \u00f6n onay\u0131 kredi kurumundan al\u0131n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ne kadar konut kredisine \u00f6n onay alabilece\u011finizi tahmin edin. Ayl\u0131k gelirinizi, bor\u00e7lar\u0131n\u0131z\u0131, pe\u015finat\u0131n\u0131z\u0131, faiz oran\u0131n\u0131 ve vade s\u00fcresini girin; maksimum taksitinizi, kredi tutar\u0131n\u0131z\u0131 ve toplam ev fiyat\u0131n\u0131z\u0131 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-556","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\/556","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=556"}],"version-history":[{"count":2,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/556\/revisions"}],"predecessor-version":[{"id":3289,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/556\/revisions\/3289"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}