{"id":574,"date":"2026-10-03T14:43:33","date_gmt":"2026-10-03T13:43:33","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/kredi-odeme-sayisi-hesaplama\/"},"modified":"2026-10-03T14:43:33","modified_gmt":"2026-10-03T13:43:33","slug":"kredi-odeme-sayisi-hesaplama","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/kredi-odeme-sayisi-hesaplama\/","title":{"rendered":"Kredi \u00d6deme Say\u0131s\u0131 Hesaplama"},"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\">Kredi Geri \u00d6deme S\u00fcresi Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"574\" data-favorite-title=\"Kredi \u00d6deme Say\u0131s\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-odeme-sayisi-hesaplama\/\" data-favorite-excerpt=\"Bir kredinin geri \u00f6denmesi i\u00e7in ka\u00e7 \u00f6deme gerekti\u011fini \u00f6\u011frenin. Kredi tutar\u0131n\u0131, her d\u00f6nem yapt\u0131\u011f\u0131n\u0131z \u00f6demeyi, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve bile\u015fik faiz s\u0131kl\u0131\u011f\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\/kredi-odeme-sayisi-hesaplama\/\" method=\"POST\" class=\"calculator\" id=\"calculator-574\" data-post=\"574\"><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\">Kredi Tutar\u0131 (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=\"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=\"100000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Toplam kredi tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">\u00d6deme Tutar\u0131 (p)<\/label><div class=\"term\">p<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"deme_tutar_p\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">D\u00f6nemsel \u00f6deme tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">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-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-3\">%<\/div><small id=\"calc-info-3\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-4\" name=\"bileik_faiz_skl\"><option value=\"1\">Ayl\u0131k<\/option><option value=\"2\">\u00dc\u00e7 Ayl\u0131k<\/option><option value=\"3\">Alt\u0131 Ayl\u0131k<\/option><option value=\"4\">Y\u0131ll\u0131k<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"574\">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>\u00d6deme Say\u0131s\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"\u00f6deme\"><\/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=\"574\" 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 \u00d6deme Say\u0131s\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\\[ n = \\frac{\\log\\left( \\dfrac{p}{p - P \\cdot r} \\right)}{\\log(1 + r)} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(n\\) \u2014 krediyi geri \u00f6demek i\u00e7in gereken \u00f6deme say\u0131s\u0131<\/li>\n<li>\\(p\\) \u2014 d\u00f6nem ba\u015f\u0131na \u00f6deme tutar\u0131 ($)<\/li>\n<li>\\(P\\) \u2014 anapara (toplam kredi tutar\u0131, $)<\/li>\n<li>\\(r\\) \u2014 d\u00f6nemsel faiz oran\u0131 (y\u0131ll\u0131k oran\u0131n y\u0131lda bile\u015fik faiz d\u00f6nem say\u0131s\u0131na b\u00f6l\u00fcnmesiyle bulunur)<\/li>\n<\/ul>\n<p>Bu form\u00fcl, bir ann\u00fcitenin bug\u00fcnk\u00fc de\u011fer denkleminden d\u00f6nem say\u0131s\u0131 \\(n\\) \u00e7\u00f6z\u00fclerek t\u00fcretilmi\u015ftir. Faiz oran\u0131 s\u0131f\u0131rsa, form\u00fcl \\(n = P \/ p\\) \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>Kredi \u00d6deme Say\u0131s\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 100.000 $ krediyi y\u0131ll\u0131k %5 faiz oran\u0131yla, ayl\u0131k bile\u015fik faizle al\u0131yorsunuz ve her ay 1.000 $ \u00f6d\u00fcyorsunuz.<\/p>\n<p>\\[ r = \\frac{0.05}{12} = 0.0041667 \\]<\/p>\n<p>\\[ n = \\frac{\\log\\left( \\dfrac{1000}{1000 - 100000 \\times 0.0041667} \\right)}{\\log(1.0041667)} = \\frac{\\log(1.7143)}{\\log(1.0041667)} \\approx 129.63 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> yakla\u015f\u0131k 129,63 \u00f6deme \u2014 kabaca 130 ayl\u0131k \u00f6deme ya da 11 y\u0131ldan biraz daha k\u0131sa bir s\u00fcre. Uygulamada son \u00f6deme biraz daha k\u00fc\u00e7\u00fck olur ve toplam geri \u00f6deme yakla\u015f\u0131k 129.630 $ olur.<\/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 (P)<\/strong> girin \u2014 ald\u0131\u011f\u0131n\u0131z ya da almay\u0131 planlad\u0131\u011f\u0131n\u0131z toplam anapara.<\/li>\n<li><strong>\u00d6deme Tutar\u0131n\u0131 (p)<\/strong> girin \u2014 her d\u00f6nem \u00f6dedi\u011finiz sabit tutar. Bile\u015fik faiz d\u00f6nemiyle e\u015fle\u015fti\u011finden emin olun (\u00f6rne\u011fin ayl\u0131k bile\u015fik faiz i\u00e7in ayl\u0131k \u00f6deme).<\/li>\n<li><strong>Y\u0131ll\u0131k Faiz Oran\u0131n\u0131<\/strong> y\u00fczde olarak girin (\u00f6rne\u011fin %5 i\u00e7in 5).<\/li>\n<li><strong>Bile\u015fik Faiz S\u0131kl\u0131\u011f\u0131n\u0131<\/strong> se\u00e7in \u2014 ayl\u0131k, \u00fc\u00e7 ayl\u0131k, alt\u0131 ayl\u0131k veya y\u0131ll\u0131k. Bu, y\u0131ll\u0131k oran\u0131n d\u00f6nemsel orana nas\u0131l d\u00f6n\u00fc\u015ft\u00fcr\u00fclece\u011fini belirler.<\/li>\n<li><strong>\u00d6deme Say\u0131s\u0131<\/strong> sonucunu okuyun. \"\u00d6deme \u00e7ok k\u00fc\u00e7\u00fck\" uyar\u0131s\u0131 g\u00f6r\u00fcrseniz, \u00f6demeniz her d\u00f6nem biriken faizi bile kar\u015f\u0131lam\u0131yordur; dolay\u0131s\u0131yla kredi hi\u00e7bir zaman kapat\u0131lamaz \u2014 daha b\u00fcy\u00fck bir \u00f6deme yapman\u0131z gerekir.<\/li>\n<\/ol>\n<h2>\u00d6deme Say\u0131s\u0131 Size Ne S\u00f6yler<\/h2>\n<p>Kredi ald\u0131\u011f\u0131n\u0131zda genellikle \u00fc\u00e7 \u015feyi bilirsiniz: ne kadar bor\u00e7 ald\u0131\u011f\u0131n\u0131z\u0131, hangi faiz oran\u0131yla bor\u00e7land\u0131\u011f\u0131n\u0131z\u0131 ve d\u00f6nem ba\u015f\u0131na ne kadar \u00f6deme yapabilece\u011finizi. Daha az belirgin olan ise geri \u00f6demenin ger\u00e7ekte ne kadar s\u00fcrece\u011fidir. Bu hesaplay\u0131c\u0131, standart amortisman form\u00fcl\u00fcn\u00fc \u00f6deme tutar\u0131 yerine d\u00f6nem say\u0131s\u0131 i\u00e7in \u00e7\u00f6zerek bu soruyu yan\u0131tlar.<\/p>\n<p>Sonu\u00e7 y\u0131l de\u011fil, \u00f6deme d\u00f6nemi cinsinden ifade edilir. Ayl\u0131k \u00f6deme yap\u0131yorsan\u0131z 129,63 sonucu yakla\u015f\u0131k 129,63 ay anlam\u0131na gelir \u2014 vadeyi y\u0131l cinsinden bulmak i\u00e7in 12'ye b\u00f6l\u00fcn. Matematik kesirli bir sonu\u00e7 verdi\u011fi i\u00e7in, ger\u00e7ek hayattaki krediler \u00f6deme say\u0131s\u0131n\u0131 yukar\u0131 yuvarlar ve son \u00f6demeyi hafif\u00e7e ayarlar.<\/p>\n<p>\u00d6nemli bir nokta: her \u00f6deme \u00f6nce bir \u00f6nceki \u00f6demeden bu yana biriken faizi kar\u015f\u0131lar, yaln\u0131zca kalan k\u0131s\u0131m anaparay\u0131 azalt\u0131r. Kredinin ba\u015f\u0131nda \u00f6demenizin \u00e7o\u011fu faize gider, bu y\u00fczden anapara \u00f6nce yava\u015f\u00e7a azal\u0131r. \u00d6deme tutar\u0131ndaki k\u00fc\u00e7\u00fck bir art\u0131\u015f\u0131n bile kredi vadesini \u00f6nemli \u00f6l\u00e7\u00fcde k\u0131saltmas\u0131n\u0131n nedeni budur \u2014 hesaplay\u0131c\u0131da \u00f6demeyi art\u0131rmay\u0131 deneyin ve \u00f6deme say\u0131s\u0131n\u0131n d\u00fc\u015ft\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcn.<\/p>\n<p>Hesaplama ayr\u0131ca kat\u0131 bir s\u0131n\u0131r\u0131 da ortaya koyar: \u00f6demeniz her d\u00f6nem biriken faize e\u015fit veya ondan k\u00fc\u00e7\u00fckse (\\(p \\le P \\times r\\)), bakiye hi\u00e7 azalmaz ve kredi bu \u00f6deme d\u00fczeyinde matematiksel olarak geri \u00f6denemez.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit \u00f6deme ve sabit oran.<\/strong> Form\u00fcl, her d\u00f6nem ayn\u0131 \\(p\\) tutar\u0131n\u0131 \u00f6dedi\u011finizi ve faiz oran\u0131n\u0131n hi\u00e7 de\u011fi\u015fmedi\u011fini varsayar. De\u011fi\u015fken faizli krediler ve kademeli \u00f6deme planlar\u0131 farkl\u0131 bir takvime uyacakt\u0131r.<\/li>\n<li><strong>\u00d6demelerin bile\u015fik faizle uyumlu olmas\u0131.<\/strong> \u00d6deme d\u00f6nemi, se\u00e7ti\u011finiz bile\u015fik faiz d\u00f6nemiyle e\u015fle\u015fmelidir. Y\u0131ll\u0131k bile\u015fik faizle ayl\u0131k \u00f6deme anlaml\u0131 bir sonu\u00e7 vermez.<\/li>\n<li><strong>\u00dccret veya ek masraf yok.<\/strong> Dosya masraflar\u0131, erken kapama cezalar\u0131 ve benzeri maliyetler dahil de\u011fildir. Kredinizde <a href=\"https:\/\/wpcalc.com\/tr\/finans\/erken-odeme-cezasi\/\">erken \u00f6deme cezas\u0131<\/a> varsa, krediyi erken kapatmak hesab\u0131n \u00f6ne s\u00fcrd\u00fc\u011f\u00fcnden daha pahal\u0131ya gelebilir.<\/li>\n<li><strong>\u00d6demelerin takvime uygun yap\u0131lmas\u0131.<\/strong> Geciken \u00f6demeler, atlanan \u00f6demeler veya ek tek seferlik \u00f6demeler ger\u00e7ek vadeyi her iki y\u00f6nde de de\u011fi\u015ftirir.<\/li>\n<\/ul>\n<p>Ters y\u00f6n\u00fc ke\u015ffetmek i\u00e7in \u2014 yani sabit bir vade i\u00e7in \u00f6deme tutar\u0131n\u0131 bulmak i\u00e7in \u2014 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama<\/a> arac\u0131n\u0131 kullan\u0131n. Belirli kredi t\u00fcrleri i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Konut Kredisi Hesaplama<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">Ta\u015f\u0131t Kredisi Hesaplama<\/a> ara\u00e7lar\u0131 pe\u015finatlar\u0131 ve araca \u00f6zg\u00fc ko\u015fullar\u0131 hesaba katar.<\/p>\n<h2>Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li>Senaryolar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131n: hesaplay\u0131c\u0131y\u0131 mevcut \u00f6demenizle ve %10\u201320 daha y\u00fcksek bir \u00f6demeyle tekrar \u00e7al\u0131\u015ft\u0131rarak ne kadar faiz ve zaman tasarruf edebilece\u011finizi g\u00f6r\u00fcn.<\/li>\n<li>Toplam maliyeti kontrol edin: geri \u00f6deyece\u011finiz toplam\u0131 tahmin etmek i\u00e7in \u00f6deme say\u0131s\u0131n\u0131 \u00f6deme tutar\u0131yla \u00e7arp\u0131n, sonra toplam faizi tahmin etmek i\u00e7in anaparay\u0131 \u00e7\u0131kar\u0131n.<\/li>\n<li>Kredileri kar\u015f\u0131la\u015ft\u0131r\u0131rken \u015funu unutmay\u0131n: daha d\u00fc\u015f\u00fck bir oran vadeyi yaln\u0131zca \u00f6deme ayn\u0131 kald\u0131\u011f\u0131nda k\u0131salt\u0131r; kredi kurulu\u015flar\u0131 genellikle bunun yerine \u00f6demeyi yeniden hesaplar. Oran\u0131n etkisini yal\u0131tmak i\u00e7in tutarl\u0131 bir \u00f6deme tutar\u0131yla vadeleri kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bir kredinin geri \u00f6denmesi i\u00e7in ka\u00e7 \u00f6deme gerekti\u011fini \u00f6\u011frenin. Kredi tutar\u0131n\u0131, her d\u00f6nem yapt\u0131\u011f\u0131n\u0131z \u00f6demeyi, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve bile\u015fik faiz s\u0131kl\u0131\u011f\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-574","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\/574","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=574"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/574\/revisions"}],"predecessor-version":[{"id":3286,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/574\/revisions\/3286"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}