{"id":559,"date":"2026-10-03T14:40:16","date_gmt":"2026-10-03T13:40:16","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/ipotek-refinansman-oranlari\/"},"modified":"2026-10-03T14:40:16","modified_gmt":"2026-10-03T13:40:16","slug":"ipotek-refinansman-oranlari","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ipotek-refinansman-oranlari\/","title":{"rendered":"\u0130potek Refinansman Oranlar\u0131 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\">\u0130potek Refinansman\u0131 \u00d6deme ve Ba\u015faba\u015f Hesaplama Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"559\" data-favorite-title=\"\u0130potek Refinansman Oranlar\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-refinansman-oranlari\/\" data-favorite-excerpt=\"Refinansman sonras\u0131 yeni ayl\u0131k \u00f6demenizi, ayl\u0131k tasarrufunuzu ve refinansman maliyetlerinin ka\u00e7 ayda ba\u015faba\u015f geldi\u011fini tahmin edin. Kredi bakiyenizi, mevcut \u00f6demenizi, yeni oran\u0131, vadeyi ve kapan\u0131\u015f maliyetlerini 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\/ipotek-refinansman-oranlari\/\" method=\"POST\" class=\"calculator\" id=\"calculator-559\" data-post=\"559\"><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\">Mevcut Kredi Bakiyesi (P)<\/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=\"mevcut_kredi_bakiyesi_p\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"250000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Kalan kredi bakiyenizi girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Mevcut Ayl\u0131k \u00d6deme<\/label><input type=\"text\" name=\"mevcut_aylk_deme\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1500\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Mevcut ayl\u0131k konut kredisi \u00f6demenizi girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Yeni Faiz Oran\u0131<\/label><input type=\"text\" name=\"yeni_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\">Refinansman sonras\u0131 yeni faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Yeni Kredi Vadesi (Y\u0131l)<\/label><input type=\"text\" name=\"yeni_kredi_vadesi_yl\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-4\">y\u0131l<\/div><small id=\"calc-info-4\">Yeni kredi vadesini girin<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Refinansman Maliyetleri<\/label><input type=\"text\" name=\"refinansman_maliyetleri\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><small id=\"calc-info-5\">Toplam refinansman maliyetini girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"559\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Yeni Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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>Ayl\u0131k Tasarruf<\/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>Ba\u015faba\u015f Noktas\u0131<\/span><\/span><span class=\"field-value\" id=\"result-3\" 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=\"559\" 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>\u0130potek Refinansman Oranlar\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\\[ r = \\frac{\\text{Y\u0131ll\u0131k Oran}}{12}, \\quad n = \\text{Vade (Y\u0131l)} \\times 12 \\\\\n\\text{Yeni \u00d6deme} = \\frac{P \\times r}{1 - (1 + r)^{-n}} \\\\\n\\text{Ayl\u0131k Tasarruf} = \\text{Mevcut \u00d6deme} - \\text{Yeni \u00d6deme} \\\\\n\\text{Ba\u015faba\u015f S\u00fcresi (Ay)} = \\frac{\\text{Refinansman Maliyetleri}}{\\text{Ayl\u0131k Tasarruf}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 kalan kredi bakiyesi (anapara)<\/li>\n<li>\\(r\\) \u2014 yeni ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n 12'ye b\u00f6l\u00fcnm\u00fc\u015f h\u00e2li)<\/li>\n<li>\\(n\\) \u2014 yeni kredi vadesi (ay olarak)<\/li>\n<li><strong>Refinansman Maliyetleri<\/strong> \u2014 yeni kredinin toplam kapan\u0131\u015f maliyetleri (masraflar, puanlar, ekspertiz vb.)<\/li>\n<li><strong>Ayl\u0131k Tasarruf<\/strong> \u2014 eski ve yeni ayl\u0131k \u00f6deme aras\u0131ndaki fark<\/li>\n<\/ul>\n<p>\u0130lk form\u00fcl, standart amortismanl\u0131 kredi \u00f6deme form\u00fcl\u00fcd\u00fcr. Ba\u015faba\u015f form\u00fcl\u00fc ise refinansman\u0131n \u00f6n maliyetini geri kazanmak i\u00e7in ka\u00e7 ayl\u0131k tasarruf 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>\u0130potek Refinansman Oranlar\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> ipotek kredinizden 250.000 dolar borcunuz var, mevcut ayl\u0131k \u00f6demeniz 1.500 dolar ve bir kredi kurulu\u015fu, bakiyeyi %4 faizle 30 y\u0131ll\u0131k yeni vade ve 5.000 dolar kapan\u0131\u015f maliyetiyle refinans etmeyi teklif ediyor.<\/p>\n<p>\\[ r = \\frac{4\\%}{12} = 0.003333, \\quad n = 30 \\times 12 = 360 \\text{ ay} \\]<\/p>\n<p>\\[ \\text{Yeni \u00d6deme} = \\frac{250{,}000 \\times 0.003333}{1 - (1 + 0.003333)^{-360}} = \\$1{,}193.54 \\]<\/p>\n<p>\\[ \\text{Ayl\u0131k Tasarruf} = 1500 - 1193.54 = \\$306.46 \\]<\/p>\n<p>\\[ \\text{Ba\u015faba\u015f} = \\frac{5000}{306.46} \\approx 16.3 \\text{ ay} \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> yeni \u00f6deme 1.193,54 dolar, ayda 306,46 dolar tasarruf ediyorsunuz ve refinansman maliyetlerini yakla\u015f\u0131k 16,3 ayda geri kazan\u0131yorsunuz.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Mevcut Kredi Bakiyenizi (P)<\/strong> girin \u2014 h\u00e2l\u00e2 olan borcunuz, en son ipotek ekstrenizde yazar.<\/li>\n<li><strong>Mevcut Ayl\u0131k \u00d6demenizi<\/strong> girin \u2014 mevcut kredi i\u00e7in her ay \u00f6dedi\u011finiz tutar (anapara ve faiz).<\/li>\n<li>Refinansman yapan kredi kurulu\u015funun teklif etti\u011fi <strong>Yeni Faiz Oran\u0131n\u0131<\/strong> y\u0131ll\u0131k y\u00fczde olarak girin.<\/li>\n<li><strong>Yeni Kredi Vadesini (Y\u0131l)<\/strong> girin \u2014 yeni ipote\u011fin s\u00fcresi, \u00f6rne\u011fin 15, 20 veya 30 y\u0131l.<\/li>\n<li><strong>Refinansman Maliyetlerinizi<\/strong> girin \u2014 dosya masraf\u0131, ekspertiz, tapu sigortas\u0131 ve sat\u0131n ald\u0131\u011f\u0131n\u0131z puanlar d\u00e2hil toplam kapan\u0131\u015f maliyetleri.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Yeni Ayl\u0131k \u00d6deme<\/strong>, <strong>Ayl\u0131k Tasarruf<\/strong> ve ay cinsinden <strong>Ba\u015faba\u015f Noktas\u0131<\/strong>.<\/li>\n<\/ol>\n<h2>\u0130potek Refinansman\u0131 Nedir?<\/h2>\n<p>Refinansman, mevcut ipotek kredinizin yerine \u2014 ideal olarak daha iyi ko\u015fullarla, en s\u0131k olarak daha d\u00fc\u015f\u00fck faiz oran\u0131, farkl\u0131 vade veya her ikisiyle \u2014 yeni bir kredi alman\u0131zd\u0131r. Ev sahipleri ayl\u0131k \u00f6demeyi d\u00fc\u015f\u00fcrmek, krediyi daha h\u0131zl\u0131 kapatmak, de\u011fi\u015fken faizden sabit faize ge\u00e7mek ya da b\u00fcy\u00fck bir harcama i\u00e7in evdeki \u00f6z varl\u0131\u011f\u0131 kullanmak amac\u0131yla refinansman yapar.<\/p>\n<p>Refinansman\u0131n matemati\u011fi bir dengedir: zaman i\u00e7inde d\u00fc\u015fecek \u00f6demeler kar\u015f\u0131l\u0131\u011f\u0131nda pe\u015fin kapan\u0131\u015f maliyetleri \u00f6dersiniz (genellikle kredi tutar\u0131n\u0131n %2\u20136's\u0131). Kilit soru, tasarruflar\u0131n buna de\u011fecek kadar h\u0131zl\u0131 gelip gelmedi\u011fidir. Ba\u015faba\u015f noktas\u0131n\u0131n \u00f6l\u00e7t\u00fc\u011f\u00fc \u015fey tam olarak budur.<\/p>\n<p><strong>Ba\u015faba\u015f noktas\u0131<\/strong>, biriken ayl\u0131k tasarruflar\u0131n\u0131z\u0131n refinansman maliyetlerine e\u015fit oldu\u011fu ay say\u0131s\u0131d\u0131r. Evi ve krediyi ba\u015faba\u015f noktas\u0131ndan \u00e7ok daha uzun s\u00fcre elinizde tutmay\u0131 planl\u0131yorsan\u0131z refinansman genellikle mant\u0131kl\u0131d\u0131r. O noktaya ula\u015fmadan satmay\u0131 veya yeniden refinans etmeyi bekliyorsan\u0131z, \u00f6n maliyetler asla geri kazan\u0131lamaz ve refinansman zararla sonu\u00e7lan\u0131r.<\/p>\n<p>Yukar\u0131daki \u00f6rnekte ba\u015faba\u015f s\u00fcresi yakla\u015f\u0131k 16 ayd\u0131r. Bu tarihten sonra evde 10 y\u0131l daha kalmak, geri kazan\u0131lm\u0131\u015f maliyetlerin \u00f6tesinde yakla\u015f\u0131k \\(306.46 \\times 120 \\approx \\$36{,}775\\) tasarruf sa\u011flard\u0131. Orijinal kredi taraf\u0131n\u0131 daha ayr\u0131nt\u0131l\u0131 modellemek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplama Arac\u0131<\/a>na veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">\u0130potek \u00d6deme Hesaplama Arac\u0131<\/a>na bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Yeni \u00f6deme yaln\u0131zca anapara ve faizi kapsar.<\/strong> Emlak vergisi, konut sigortas\u0131 ve PMI d\u00e2hil de\u011fildir; eski \u00f6deme tutar\u0131n\u0131z emanet (escrow) kalemlerini i\u00e7eriyorsa kar\u015f\u0131la\u015ft\u0131rma \u00e7arp\u0131k olur.<\/li>\n<li><strong>Ayl\u0131k tasarruf negatif olabilir.<\/strong> Yeni \u00f6deme mevcut \u00f6demenizden y\u00fcksekse (\u00f6rne\u011fin vadeyi k\u0131saltt\u0131\u011f\u0131n\u0131zda veya nakit \u00e7ekti\u011finizde), hesaplama arac\u0131 ba\u015faba\u015f noktas\u0131 g\u00f6stermez; \u00e7\u00fcnk\u00fc maliyetlerin kar\u015f\u0131s\u0131nda biriktirilecek tasarruf yoktur.<\/li>\n<li><strong>Daha uzun vade toplam faizi art\u0131rabilir.<\/strong> Daha d\u00fc\u015f\u00fck oranda bile 30 y\u0131ll\u0131k sayac\u0131 s\u0131f\u0131rlamak, ayl\u0131k \u00f6deme d\u00fc\u015fse bile kredinin \u00f6mr\u00fc boyunca daha fazla faiz \u00f6demenize yol a\u00e7abilir. Ba\u015faba\u015f \u00f6l\u00e7\u00fct\u00fc nakit ak\u0131\u015f\u0131 geri kazan\u0131m\u0131n\u0131 \u00f6l\u00e7er, \u00f6m\u00fcr boyu maliyeti de\u011fil.<\/li>\n<li><strong>Kapan\u0131\u015f maliyetleri de\u011fi\u015fkendir.<\/strong> Maliyetleri pe\u015fin \u00f6demek yerine kredi bakiyesine eklemek hem yeni \u00f6demeyi hem de ba\u015faba\u015f noktas\u0131n\u0131 de\u011fi\u015ftirir; ger\u00e7ekte de\u011ferlendirdi\u011finiz se\u00e7ene\u011fin rakamlar\u0131n\u0131 girin.<\/li>\n<li><strong>Erken kapama cezalar\u0131n\u0131 ve oran detaylar\u0131n\u0131 kontrol edin.<\/strong> Baz\u0131 mevcut krediler erken kapan\u0131\u015f i\u00e7in \u00fccret al\u0131r ve ilan edilen oranlar <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-iskonto-puani\/\">iskonto puanlar\u0131<\/a> sat\u0131n ald\u0131\u011f\u0131n\u0131z\u0131 varsayar. Duyurulan orana de\u011fil <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">APR<\/a>'ye (y\u0131ll\u0131k toplam maliyet oran\u0131) bakmak, kredinin toplam maliyeti hakk\u0131nda daha adil bir g\u00f6r\u00fc\u015f verir.<\/li>\n<\/ul>\n<h2>Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li>Oranlar her g\u00fcn de\u011fi\u015fti\u011fi i\u00e7in ayn\u0131 g\u00fcn birka\u00e7 kredi kurulu\u015fundan teklif al\u0131n ve bunlar\u0131 \u00f6zde\u015f vade ve puan yap\u0131lar\u0131yla kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li>\u00dccretsiz veya d\u00fc\u015f\u00fck maliyetli bir refinansman se\u00e7ene\u011fi isteyin: oran\u0131 biraz y\u00fckseltir ama ba\u015faba\u015f s\u00fcresini ciddi \u015fekilde k\u0131salt\u0131r.<\/li>\n<li>Amac\u0131n\u0131z ayl\u0131k rahatlama de\u011fil toplam tasarrufsa, daha k\u0131sa yeni bir vadeyi (\u00f6rne\u011fin 15 y\u0131l) kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 \u00f6deme d\u00fc\u015fmeyebilir ama \u00f6m\u00fcr boyu faiz keskin bi\u00e7imde azal\u0131r.<\/li>\n<li>Oranlar d\u00fc\u015ft\u00fc\u011f\u00fcnde hesaplamay\u0131 tekrar yap\u0131n: b\u00fcy\u00fck bir bakiyede %0,5'lik bir d\u00fc\u015f\u00fc\u015f bile de\u011ferli bir ba\u015faba\u015f noktas\u0131 \u00fcretebilir.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Refinansman sonras\u0131 yeni ayl\u0131k \u00f6demenizi, ayl\u0131k tasarrufunuzu ve refinansman maliyetlerinin ka\u00e7 ayda ba\u015faba\u015f geldi\u011fini tahmin edin. Kredi bakiyenizi, mevcut \u00f6demenizi, yeni oran\u0131, vadeyi ve kapan\u0131\u015f maliyetlerini 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-559","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\/559","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=559"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/559\/revisions"}],"predecessor-version":[{"id":3287,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/559\/revisions\/3287"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}