{"id":558,"date":"2026-10-03T14:39:54","date_gmt":"2026-10-03T13:39:54","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/konut-kredisi-iskonto-puani\/"},"modified":"2026-10-03T14:39:54","modified_gmt":"2026-10-03T13:39:54","slug":"konut-kredisi-iskonto-puani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-iskonto-puani\/","title":{"rendered":"Konut Kredisi \u0130skonto Puan\u0131 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\">Konut Kredisi Puan Sat\u0131n Alma Maliyet ve Tasarruf Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"558\" data-favorite-title=\"Konut Kredisi \u0130skonto Puan\u0131 (Puan Sat\u0131n Alma)\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-iskonto-puani\/\" data-favorite-excerpt=\"Konut kredisi iskonto puan\u0131 sat\u0131n alman\u0131n maliyetini, daha d\u00fc\u015f\u00fck faizden sa\u011flanan ayl\u0131k tasarrufu ve ba\u015faba\u015f s\u00fcresinin ka\u00e7 ay s\u00fcrd\u00fc\u011f\u00fcn\u00fc tahmin edin. Kredi tutar\u0131n\u0131, vadeyi, her iki faiz oran\u0131n\u0131 ve puan say\u0131s\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\/konut-kredisi-iskonto-puani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-558\" data-post=\"558\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Kredi Tutar\u0131<\/label><input type=\"text\" name=\"kredi_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\">Kredi tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Kredi Vadesi (Y\u0131l)<\/label><input type=\"text\" name=\"kredi_vadesi_yl\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-2\">y\u0131l<\/div><small id=\"calc-info-2\">Kredi vadesini girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Puanl\u0131 Faiz Oran\u0131<\/label><input type=\"text\" name=\"puanl_faiz_oran\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Puan sat\u0131n al\u0131nd\u0131ktan sonraki faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u0130ndirim Puanlar\u0131 (%)<\/label><input type=\"text\" name=\"ndirim_puanlar_\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"5\" value=\"1\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Sat\u0131n al\u0131nan indirim puan\u0131 say\u0131s\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Evde Kal\u0131nacak S\u00fcre (Y\u0131l)<\/label><input type=\"text\" name=\"evde_kalnacak_sre_yl\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"7\"\/><div class=\"unit\" id=\"calc-unit-5\">y\u0131l<\/div><small id=\"calc-info-5\">Evde kal\u0131nmas\u0131 beklenen y\u0131l say\u0131s\u0131<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Puans\u0131z Faiz Oran\u0131<\/label><input type=\"text\" name=\"puansz_faiz_oran\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"4.5\"\/><div class=\"unit\" id=\"calc-unit-6\">%<\/div><small id=\"calc-info-6\">Puan sat\u0131n al\u0131nmad\u0131\u011f\u0131 durumdaki faiz oran\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"558\">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>Puanl\u0131 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>Puanlar i\u00e7in \u00d6denen \u00dccret<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Puans\u0131z Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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>Ayl\u0131k Tasarruf<\/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>Ba\u015faba\u015f S\u00fcresi<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"ay\"><\/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=\"558\" 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 \u0130skonto Puan\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\\[ M = \\frac{P \\times r}{1 - (1 + r)^{-n}} \\\\ \\text{Puan Bedeli} = P \\times \\frac{d}{100} \\\\ S = M_{\\text{puans\u0131z}} - M_{\\text{puanl\u0131}} \\\\ T = \\frac{\\text{Puan Bedeli}}{S} \\]\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 (kredi vadesinin ay cinsinden de\u011feri)<\/li>\n<li>\\(d\\) \u2014 sat\u0131n al\u0131nan iskonto puan\u0131, kredi tutar\u0131n\u0131n y\u00fczdesi olarak<\/li>\n<li>\\(M\\) \u2014 ayl\u0131k \u00f6deme (hem puanl\u0131 faiz oran\u0131yla hem puans\u0131z faiz oran\u0131yla hesaplan\u0131r)<\/li>\n<li>\\(S\\) \u2014 d\u00fc\u015f\u00fck faizden sa\u011flanan ayl\u0131k tasarruf<\/li>\n<li>\\(T\\) \u2014 ay cinsinden ba\u015faba\u015f s\u00fcresi<\/li>\n<\/ul>\n<p>\u0130lk form\u00fcl, standart amortismanl\u0131 kredi \u00f6deme form\u00fcl\u00fcd\u00fcr ve bir kez puanl\u0131 oranla, bir kez puans\u0131z oranla uygulan\u0131r. Ba\u015faba\u015f s\u00fcresi, ayl\u0131k tasarruflar\u0131n puanlar\u0131n pe\u015fin maliyetini kar\u015f\u0131lamas\u0131 i\u00e7in krediyi ne kadar s\u00fcre elinizde tutman\u0131z gerekti\u011fini 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>Konut Kredisi \u0130skonto Puan\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 30 y\u0131l vadeli \\(\\$300{,}000\\) kredi \u00e7ekiyorsunuz. Kredi veren, puans\u0131z %4,5 oran ya da 1 iskonto puan\u0131 sat\u0131n al\u0131rsan\u0131z %4,0 oran sunuyor. Evde 7 y\u0131l kalaca\u011f\u0131n\u0131z\u0131 tahmin ediyorsunuz.<\/p>\n<p>\\[ \\text{Puan Bedeli} = 300{,}000 \\times \\frac{1}{100} = \\$3{,}000 \\]<\/p>\n<p>\\[ M_{\\text{puanl\u0131}} = \\frac{300{,}000 \\times 0.04\/12}{1 - (1 + 0.04\/12)^{-360}} \\approx \\$1{,}432.25 \\]<\/p>\n<p>\\[ M_{\\text{puans\u0131z}} = \\frac{300{,}000 \\times 0.045\/12}{1 - (1 + 0.045\/12)^{-360}} \\approx \\$1{,}520.06 \\]<\/p>\n<p>\\[ S = 1{,}520.06 - 1{,}432.25 = \\$87.81 \\quad\\Rightarrow\\quad T = \\frac{3{,}000}{87.81} \\approx 34.2 \\text{ ay} \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> puan\u0131n bedeli pe\u015fin $3.000, ayl\u0131k tasarruf $87,81 ve ba\u015faba\u015f s\u00fcresi yakla\u015f\u0131k 34,2 ay (yakla\u015f\u0131k 2 y\u0131l 10 ay). Planlanan 7 y\u0131l (84 ay) boyunca toplam tasarruf yakla\u015f\u0131k $7.376 \u2014 puan\u0131n maliyeti d\u00fc\u015f\u00fcld\u00fckten sonra net kazan\u00e7 kabaca $4.376.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>Kredi Tutar\u0131n\u0131<\/strong> girin \u2014 \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z anapara tutar\u0131n\u0131, ev fiyat\u0131n\u0131 de\u011fil.<\/li>\n<li><strong>Kredi Vadesini (Y\u0131l)<\/strong> girin; genellikle 15, 20 veya 30 y\u0131ld\u0131r.<\/li>\n<li><strong>Puanl\u0131 Faiz Oran\u0131n\u0131<\/strong> girin \u2014 puan sat\u0131n al\u0131rsan\u0131z kredi verenin sundu\u011fu daha d\u00fc\u015f\u00fck oran\u0131.<\/li>\n<li><strong>\u0130skonto Puan\u0131n\u0131 (%)<\/strong> girin \u2014 her puan kredi tutar\u0131n\u0131n %1'ine e\u015fittir. Bir puan i\u00e7in 1, bir bu\u00e7uk puan i\u00e7in 1,5 girin.<\/li>\n<li><strong>Evde Kal\u0131nacak Y\u0131l Say\u0131s\u0131n\u0131<\/strong> girin \u2014 bu krediyi sat\u0131\u015f veya yeniden finansmandan \u00f6nce ger\u00e7ek\u00e7i olarak ne kadar s\u00fcre elinizde tutaca\u011f\u0131n\u0131z\u0131.<\/li>\n<li><strong>Puans\u0131z Faiz Oran\u0131n\u0131<\/strong> girin \u2014 puan sat\u0131n almasayd\u0131n\u0131z \u00f6deyece\u011finiz oran\u0131.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Puanl\u0131 Ayl\u0131k \u00d6deme<\/strong>, <strong>Puanlar i\u00e7in \u00d6denen Bedel<\/strong>, <strong>Puans\u0131z Ayl\u0131k \u00d6deme<\/strong>, <strong>Ayl\u0131k Tasarruf<\/strong> ve ay cinsinden <strong>Ba\u015faba\u015f S\u00fcresi<\/strong>.<\/li>\n<\/ol>\n<h2>Konut Kredisi \u0130skonto Puan\u0131 Nedir?<\/h2>\n<p>\u0130skonto puanlar\u0131, daha d\u00fc\u015f\u00fck bir faiz oran\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda kredi verene pe\u015fin \u00f6denen bir bedeldir \u2014 bu uygulamaya \u00e7o\u011fu zaman \"oran\u0131 d\u00fc\u015f\u00fcrme\" (buying down the rate) denir. Bir puan, kredi tutar\u0131n\u0131n %1'ine mal olur; dolay\u0131s\u0131yla \\($300.000\\) tutar\u0131ndaki bir konut kredisinde bir puan $3.000 tutar\u0131ndad\u0131r. Her puan oran\u0131 genellikle %0,125 ile %0,5 aras\u0131nda d\u00fc\u015f\u00fcr\u00fcr; bu, kredi verene ve piyasa ko\u015fullar\u0131na ba\u011fl\u0131d\u0131r, bu y\u00fczden daima kredi vereninizden g\u00fcncel oran \u00e7izelgesini isteyin.<\/p>\n<p>Puan sat\u0131n almak \u00f6z\u00fcnde bir \u00f6d\u00fcnle\u015fmedir: kapan\u0131\u015fta daha fazla \u00f6der, her ay daha az \u00f6dersiniz. Hesaplay\u0131c\u0131 bu \u00f6d\u00fcnle\u015fmenin her iki taraf\u0131n\u0131 da say\u0131salla\u015ft\u0131r\u0131r. Pe\u015fin bedeli, iki ayl\u0131k \u00f6demeyi, ayl\u0131k tasarrufu ve en \u00f6nemlisi, pe\u015fin maliyetin geri kazan\u0131lmas\u0131 i\u00e7in gereken ay say\u0131s\u0131 olan ba\u015faba\u015f s\u00fcresini g\u00f6sterir.<\/p>\n<p>Sonucu yorumlamak kolayd\u0131r: ba\u015faba\u015f s\u00fcresi, krediyi elinizde tutmay\u0131 bekledi\u011finiz ay say\u0131s\u0131ndan (<em>Evde Kal\u0131nacak Y\u0131l<\/em> \u00d7 12) k\u0131saysa, puan sat\u0131n almak k\u00e2rl\u0131d\u0131r. Ba\u015faba\u015f noktas\u0131ndan \u00f6nce krediyi satarsan\u0131z, yeniden finanse eder veya kapat\u0131rsan\u0131z, puanlar zarar bir bahis olur; \u00e7\u00fcnk\u00fc pe\u015fin bedel kapan\u0131\u015fta kaybedilmi\u015ftir.<\/p>\n<p>Puanlar kredinin tamam\u0131n\u0131n faiz oran\u0131n\u0131 d\u00fc\u015f\u00fcrd\u00fc\u011f\u00fc i\u00e7in, konut kredisini ne kadar uzun tutarsan\u0131z puanlar o kadar de\u011ferli olur. \u00d6demelerin b\u00fct\u00fcn resmi i\u00e7in ayn\u0131 say\u0131lar\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Konut Kredisi Hesaplay\u0131c\u0131s\u0131<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">Ayl\u0131k Konut Kredisi \u00d6demesi Hesaplay\u0131c\u0131s\u0131<\/a> ile de \u00e7al\u0131\u015ft\u0131r\u0131n. Puanlar kredinin zaman i\u00e7indeki etkin maliyetini de etkiler; bu, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">Konut Kredisi APR Hesaplay\u0131c\u0131s\u0131<\/a> ile g\u00f6r\u00fclebilir.<\/p>\n<h2>S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Ba\u015faba\u015f hesab\u0131 alternatif maliyeti yok sayar.<\/strong> Puanlara harcanan \\($3.000\\) ba\u015fka t\u00fcrl\u00fc yat\u0131r\u0131labilir veya daha y\u00fcksek pe\u015fin \u00f6deme i\u00e7in kullan\u0131labilirdi. Alternatifi tartmak isterseniz <a href=\"https:\/\/wpcalc.com\/tr\/finans\/yatirim-getirisi\/\">Yat\u0131r\u0131m Getirisi Hesaplay\u0131c\u0131s\u0131<\/a> ile kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li><strong>Ayl\u0131k tasarruflar tam olarak sabit de\u011fildir.<\/strong> Hesaplay\u0131c\u0131, t\u00fcm vade boyunca ilk aydaki \u00f6deme fark\u0131n\u0131 kullan\u0131r. Ger\u00e7ekte fark, iki kredi farkl\u0131 h\u0131zlarda amortismanland\u0131\u011f\u0131ndan zamanla hafif\u00e7e kayar; ba\u015faba\u015fa etkisi k\u00fc\u00e7\u00fckt\u00fcr.<\/li>\n<li><strong>Puanlar her zaman oran\u0131 ayn\u0131 miktarda d\u00fc\u015f\u00fcrmez.<\/strong> Puan ba\u015f\u0131na oran indirimi kredi verene, kredi t\u00fcr\u00fcne ve piyasa ko\u015fullar\u0131na g\u00f6re de\u011fi\u015fir. Hesaplamalar\u0131 yapmadan \u00f6nce kredi vereninizden iki oran\u0131 da (puanl\u0131 ve puans\u0131z) yaz\u0131l\u0131 olarak al\u0131n.<\/li>\n<li><strong>\u0130skonto puan\u0131, kredi d\u00fczenleme \u00fccretiyle ayn\u0131 \u015fey de\u011fildir.<\/strong> Baz\u0131 kredi verenler kredinin i\u015flenmesi i\u00e7in \"puan\" olarak belirtilen bir d\u00fczenleme \u00fccreti (origination fee) al\u0131r; oran\u0131 ger\u00e7ekten d\u00fc\u015f\u00fcren yaln\u0131zca ger\u00e7ek iskonto puanlar\u0131d\u0131r.<\/li>\n<li><strong>Puanlar baz\u0131 \u00fclkelerde vergiden d\u00fc\u015f\u00fclebilir<\/strong> \u2014 pe\u015fin \u00f6denmi\u015f konut kredisi faizi olarak. Kurallar, kredinin nas\u0131l kullan\u0131ld\u0131\u011f\u0131na ve nerede ya\u015fad\u0131\u011f\u0131n\u0131za ba\u011fl\u0131 oldu\u011fundan bir vergi uzman\u0131na dan\u0131\u015f\u0131n.<\/li>\n<li><strong>Kapan\u0131\u015ftaki nakit \u00f6nemlidir.<\/strong> Puanlar matematiksel olarak k\u00e2rl\u0131 olsa bile onlar\u0131 \u00f6deyecek likiditeye ihtiyac\u0131n\u0131z vard\u0131r. \u0130leride gerekebilecek birikimden \u00f6denen bir puan, biraz daha y\u00fcksek bir orandan daha riskli olabilir.<\/li>\n<li><strong>Yeniden finansman s\u00fcreyi s\u0131f\u0131rlar.<\/strong> Yak\u0131nda yeniden finansman yapma olas\u0131l\u0131\u011f\u0131n\u0131z varsa \u2014 \u00f6rne\u011fin faizlerin d\u00fc\u015fmesi bekleniyorsa \u2014 mevcut kredideki puanlar hi\u00e7bir zaman ba\u015faba\u015f gelmeyebilir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Konut kredisi iskonto puan\u0131 sat\u0131n alman\u0131n maliyetini, daha d\u00fc\u015f\u00fck faizden sa\u011flanan ayl\u0131k tasarrufu ve ba\u015faba\u015f s\u00fcresinin ka\u00e7 ay s\u00fcrd\u00fc\u011f\u00fcn\u00fc tahmin edin. Kredi tutar\u0131n\u0131, vadeyi, her iki faiz oran\u0131n\u0131 ve puan say\u0131s\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-558","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\/558","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=558"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/558\/revisions"}],"predecessor-version":[{"id":3288,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/558\/revisions\/3288"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}