{"id":557,"date":"2026-10-03T14:39:48","date_gmt":"2026-10-03T13:39:48","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/rente-aylik-odeme\/"},"modified":"2026-10-03T14:39:48","modified_gmt":"2026-10-03T13:39:48","slug":"rente-aylik-odeme","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/rente-aylik-odeme\/","title":{"rendered":"Ayl\u0131k Rente \u00d6demesi Hesaplay\u0131c\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\">Renteler i\u00e7in Sabit Ayl\u0131k \u00d6demeleri Hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"557\" data-favorite-title=\"Ayl\u0131k Rente \u00d6demesi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/rente-aylik-odeme\/\" data-favorite-excerpt=\"Rente&#039;nin sabit ayl\u0131k \u00f6demesini tahmin etmek i\u00e7in yat\u0131r\u0131m tutar\u0131n\u0131 (bug\u00fcnk\u00fc de\u011fer), y\u0131ll\u0131k faiz oran\u0131n\u0131 ve ay say\u0131s\u0131n\u0131 girin. Sabit renteler, konut kredileri ve e\u015fit ayl\u0131k taksitli herhangi bir amortisman serisi i\u00e7in ge\u00e7erlidir.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-rate-up\">\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\/rente-aylik-odeme\/\" method=\"POST\" class=\"calculator\" id=\"calculator-557\" data-post=\"557\"><fieldset class=\"fieldset-input is-3\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field has-term\" id=\"input-1\"><label for=\"field-1\">Yat\u0131r\u0131m 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=\"yatrm_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Bug\u00fcnk\u00fc de\u011feri veya yat\u0131r\u0131m tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">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-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Ay 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=\"ay_says\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"60\"\/><small id=\"calc-info-3\">Toplam ayl\u0131k \u00f6deme say\u0131s\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"557\">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>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><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=\"557\" 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>Rente Ayl\u0131k \u00d6deme 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\\[ PMT = P \\times \\frac{r(1 + r)^n}{(1 + r)^n - 1} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(PMT\\) \u2014 ayl\u0131k rente \u00f6demesi<\/li>\n<li>\\(P\\) \u2014 anapara, yani yat\u0131r\u0131m\u0131n bug\u00fcnk\u00fc de\u011feri<\/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<\/li>\n<\/ul>\n<p>Bu form\u00fcl, vade boyunca anaparay\u0131 tamamen t\u00fcketen sabit \u00f6demeyi verir; her \u00f6deme o ay tahakkuk eden faizin tamam\u0131n\u0131 ve anaparan\u0131n bir k\u0131sm\u0131n\u0131 kar\u015f\u0131lar. Faiz oran\u0131 s\u0131f\u0131r oldu\u011funda form\u00fcl \\(PMT = P \/ 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>Rente Ayl\u0131k \u00d6deme \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 10.000 $'\u0131, ayl\u0131k bile\u015fik %6 y\u0131ll\u0131k oranla 60 ay (5 y\u0131l) boyunca \u00f6deme yapan bir renteye yat\u0131r\u0131yorsunuz.<\/p>\n<p>\\[ r = \\frac{6\\%}{12} = 0.005 \\]<\/p>\n<p>\\[ PMT = 10{,}000 \\times \\frac{0.005 \\times (1.005)^{60}}{(1.005)^{60} - 1} = 10{,}000 \\times \\frac{0.005 \\times 1.34885}{0.34885} \\approx 193.33 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k \u00f6deme yakla\u015f\u0131k \\(\\$193.33\\). 60 ay boyunca toplam \\(60 \\times 193.33 \\approx \\$11{,}999.80\\) al\u0131rs\u0131n\u0131z \u2014 asl\u0131nda tam de\u011feriyle \\(\\$11{,}599.80\\); bunun yakla\u015f\u0131k \\(\\$1{,}599.80\\) kadar\u0131, kalan bakiye \u00fczerinden kazan\u0131lan faizdir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Yat\u0131r\u0131m Tutar\u0131<\/strong>'n\u0131 girin \u2014 \u00f6demelere d\u00f6n\u00fc\u015ft\u00fcrd\u00fc\u011f\u00fcn\u00fcz bug\u00fcnk\u00fc de\u011fer (\u00f6r. 10.000 $).<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131<\/strong>'n\u0131 ondal\u0131k de\u011fil y\u00fczde olarak girin (\u00f6r. %6 i\u00e7in 6 veya %5,25 i\u00e7in 5,25).<\/li>\n<li><strong>Ay Say\u0131s\u0131<\/strong>'n\u0131 girin \u2014 t\u00fcm vade boyunca yap\u0131lacak toplam ayl\u0131k \u00f6deme say\u0131s\u0131.<\/li>\n<li><strong>Ayl\u0131k \u00d6deme<\/strong> sonucunu okuyun; bu, her ay \u00f6dedi\u011finiz veya ald\u0131\u011f\u0131n\u0131z sabit tutar\u0131 g\u00f6sterir.<\/li>\n<\/ol>\n<p>Hesaplay\u0131c\u0131 y\u0131ll\u0131k oran\u0131 otomatik olarak ayl\u0131k orana \u00e7evirir (y\u0131ll\u0131k oran \u00f7 12), bu y\u00fczden d\u00f6n\u00fc\u015f\u00fcm\u00fc kendiniz yapman\u0131z gerekmez.<\/p>\n<h2>Ayl\u0131k Rente \u00d6demesi Nedir?<\/h2>\n<p>Rente, d\u00fczenli aral\u0131klarla yap\u0131lan e\u015fit \u00f6demeler dizisidir. \u00d6demeler ayl\u0131k oldu\u011funda ve vade ile oran sabit oldu\u011funda her \u00f6deme birbirinin ayn\u0131s\u0131d\u0131r ve yukar\u0131daki form\u00fcl bu \u00f6demenin ne kadar olmas\u0131 gerekti\u011fini tam olarak s\u00f6yler. Ayn\u0131 matematik, birbirinin ayna g\u00f6r\u00fcnt\u00fcs\u00fc olan iki durumu y\u00f6netir: bir yat\u0131r\u0131mdan sabit \u00f6demeler <em>almak<\/em> (dar anlamda rente; emeklilik planlamas\u0131nda ve yap\u0131land\u0131r\u0131lm\u0131\u015f tazminat anla\u015fmalar\u0131nda yayg\u0131nd\u0131r) ve bir krediyi e\u015fit taksitlerle <em>geri \u00f6demek<\/em> (standart amortismanl\u0131 konut kredisi, ara\u00e7 kredisi veya ihtiya\u00e7 kredisi).<\/p>\n<p>Form\u00fcl\u00fcn ard\u0131ndaki temel fikir paran\u0131n zaman de\u011feriidir. Gelecek ay al\u0131nan bir dolar, bug\u00fcnk\u00fc bir dolardan biraz daha az de\u011ferlidir; \u00e7\u00fcnk\u00fc bug\u00fcnk\u00fc dolar bu arada faiz getirebilir. \\((1 + r)^n\\) terimi ayl\u0131k oran\u0131 t\u00fcm vade boyunca bile\u015fikler ve \u00f6deme, gelecekteki t\u00fcm \u00f6demelerin \\(r\\) oran\u0131yla iskonto edilmi\u015f bug\u00fcnk\u00fc de\u011ferinin anaparaya \\(P\\) e\u015fit olaca\u011f\u0131 \u015fekilde belirlenir. Ba\u015fka bir deyi\u015fle, kredi veren veya rente sa\u011flay\u0131c\u0131, belirtilen orana g\u00f6re bu i\u015flemden ne kazan\u00e7 ne de kay\u0131p elde eder.<\/p>\n<p>Sonucun yorumlanmas\u0131 kolayd\u0131r: ayl\u0131k \u00f6deme, tam amortismanl\u0131 tutard\u0131r. Yat\u0131r\u0131mc\u0131ysan\u0131z, bu bakiye s\u0131f\u0131rlanana kadar her ay almay\u0131 bekleyebilece\u011finiz \u00e7ektir. Bor\u00e7luysan\u0131z, vade sonunda hem faizi hem anaparay\u0131 kapatan taksittir. \\(PMT \\times n\\) \u00e7arp\u0131m\u0131 toplam nakit ak\u0131\u015f\u0131n\u0131 verir ve \\(P\\)'yi a\u015fan k\u0131s\u0131m, rentenin \u00f6mr\u00fc boyunca kazan\u0131lan (veya \u00f6denen) toplam faizdir.<\/p>\n<p>Bu hesaplay\u0131c\u0131 senaryolar\u0131 h\u0131zl\u0131ca kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in kullan\u0131\u015fl\u0131d\u0131r \u2014 daha uzun vade \u00f6demeyi d\u00fc\u015f\u00fcr\u00fcr ancak toplam faizi art\u0131r\u0131r; daha y\u00fcksek oran ise ayn\u0131 anapara i\u00e7in \u00f6demeyi y\u00fckseltir. \u0130lgili di\u011fer de\u011ferler i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/pesin-adi-rente\/\">An\u0131nda (Adi) Rente<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ertelenmis-anuite-odemesi-hesaplama\/\">Ertelenmi\u015f Rente \u00d6demesi<\/a> hesaplay\u0131c\u0131lar\u0131na, bor\u00e7lu taraf\u0131 i\u00e7inse <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">Bor\u00e7 Konsolidasyonu \u00d6demesi<\/a> hesaplay\u0131c\u0131s\u0131na bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran ve sabit \u00f6demeler.<\/strong> Form\u00fcl, faiz oran\u0131n\u0131n hi\u00e7 de\u011fi\u015fmedi\u011fini ve her \u00f6demenin ayn\u0131 oldu\u011funu varsayar. De\u011fi\u015fken oranl\u0131 renteler, de\u011fi\u015fken faizli konut kredileri ve kademeli \u00f6deme planlar\u0131 kapsanmam\u0131\u015ft\u0131r.<\/li>\n<li><strong>Ayl\u0131k bile\u015fikleme.<\/strong> Y\u0131ll\u0131k oran 12'ye b\u00f6l\u00fcn\u00fcr ve ay i\u00e7i bile\u015fikleme etkileri i\u00e7in d\u00fczeltme yap\u0131lmaz. Efektif y\u0131ll\u0131k getiri (APY) ile fiyatlanan \u00fcr\u00fcnler biraz farkl\u0131 sonu\u00e7 verir; <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yillik-yuzde-getiri\/\">Y\u0131ll\u0131k Y\u00fczde Getiri<\/a> hesaplay\u0131c\u0131s\u0131 d\u00f6n\u00fc\u015f\u00fcmde yard\u0131mc\u0131 olabilir.<\/li>\n<li><strong>Adi rente zamanlamas\u0131.<\/strong> \u00d6demelerin her ay\u0131n sonunda yap\u0131ld\u0131\u011f\u0131 varsay\u0131l\u0131r (adi rente). \u00d6demelerin her ay\u0131n ba\u015f\u0131nda yap\u0131ld\u0131\u011f\u0131 pe\u015fin \u00f6demeli rente (annuity due), biraz farkl\u0131 bir tutar verirdi.<\/li>\n<li><strong>\u00dccret, vergi veya enflasyon yok.<\/strong> Sigorta \u00fccretleri, iptal masraflar\u0131, \u00f6demelerden al\u0131nan gelir vergisi ve paran\u0131n sat\u0131n alma g\u00fcc\u00fcndeki d\u00fc\u015f\u00fc\u015f g\u00f6z ard\u0131 edilir. 193,33 $'l\u0131k bir \u00f6deme, 5. y\u0131lda bug\u00fcn yapt\u0131\u011f\u0131n\u0131z\u0131n ayn\u0131s\u0131n\u0131 almayacakt\u0131r.<\/li>\n<li><strong>Tam amortisman.<\/strong> Anapara, son \u00f6demeye kadar tamamen s\u0131f\u0131ra indirilir. Kalan de\u011ferli, balon \u00f6demeli veya \u00f6m\u00fcr boyu garantili \u00fcr\u00fcnler (sabit vadeli olmayan \u00f6m\u00fcr boyu rente gibi) farkl\u0131 bir hesaplama gerektirir.<\/li>\n<\/ul>\n<p>Uzun vadeli planlama i\u00e7in ayr\u0131ca \u015funu unutmay\u0131n: 20\u201330 y\u0131l boyunca sabit ayl\u0131k \u00f6deme, \u00f6nemli bir enflasyon riski ta\u015f\u0131r; bu tahmini <a href=\"https:\/\/wpcalc.com\/tr\/finans\/bilesik-yillik-buyume-orani\/\">Bile\u015fik Y\u0131ll\u0131k B\u00fcy\u00fcme Oran\u0131<\/a> hesaplay\u0131c\u0131s\u0131ndan al\u0131nan bir b\u00fcy\u00fcme varsay\u0131m\u0131yla birlikte kullanmak daha ger\u00e7ek\u00e7i bir tablo sunar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rente'nin sabit ayl\u0131k \u00f6demesini tahmin etmek i\u00e7in yat\u0131r\u0131m tutar\u0131n\u0131 (bug\u00fcnk\u00fc de\u011fer), y\u0131ll\u0131k faiz oran\u0131n\u0131 ve ay say\u0131s\u0131n\u0131 girin. Sabit renteler, konut kredileri ve e\u015fit ayl\u0131k taksitli herhangi bir amortisman serisi i\u00e7in ge\u00e7erlidir.<\/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":[48],"class_list":["post-557","post","type-post","status-publish","format-standard","hentry","category-finans","tag-faiz"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/557","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=557"}],"version-history":[{"count":5,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/557\/revisions"}],"predecessor-version":[{"id":3504,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/557\/revisions\/3504"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}