{"id":58,"date":"2026-10-03T11:17:24","date_gmt":"2026-10-03T10:17:24","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/amortisman-plani\/"},"modified":"2026-10-03T11:17:24","modified_gmt":"2026-10-03T10:17:24","slug":"amortisman-plani","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/amortisman-plani\/","title":{"rendered":"Amortisman Plan\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\">Kredi Amortisman Plan\u0131 Hesaplay\u0131c\u0131s\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"58\" data-favorite-title=\"Amortisman Plan\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/amortisman-plani\/\" data-favorite-excerpt=\"Sabit faizli herhangi bir kredi i\u00e7in ayl\u0131k \u00f6demeyi, toplam \u00f6demeyi ve toplam faizi hesaplay\u0131n ve bir amortisman plan\u0131nda her \u00f6demenin anapara ile faiz aras\u0131nda nas\u0131l b\u00f6l\u00fcnd\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcn. Kredi tutar\u0131n\u0131, faiz oran\u0131n\u0131 ve vadeyi 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\/amortisman-plani\/\" method=\"POST\" class=\"calculator\" id=\"calculator-58\" data-post=\"58\"><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<\/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\" 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\">Kredinin toplam 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\" max=\"100\" value=\"5\"\/><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\">Kredi vadesi<\/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=\"kredi_vadesi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"50\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">Kredi vadesini y\u0131l olarak girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"58\">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 class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Toplam \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Toplam Faiz<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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=\"58\" 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>Amortisman Plan\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 = P \\times \\frac{i}{1 - (1 + i)^{-12n}}, \\qquad i = \\frac{r}{12} \\\\ \\text{Toplam \u00d6deme} = M \\times 12n \\\\ \\text{Toplam Faiz} = \\text{Toplam \u00d6deme} - P \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(M\\) \u2014 sabit ayl\u0131k \u00f6deme<\/li>\n<li>\\(P\\) \u2014 kredi anaparas\u0131 (\u00f6d\u00fcn\u00e7 al\u0131nan tutar)<\/li>\n<li>\\(r\\) \u2014 ondal\u0131k olarak y\u0131ll\u0131k faiz oran\u0131 (\u00f6rn. %5 = 0,05)<\/li>\n<li>\\(i = r\/12\\) \u2014 ayl\u0131k faiz oran\u0131<\/li>\n<li>\\(n\\) \u2014 kredi vadesi (y\u0131l cinsinden), yani kredinin \\(12n\\) ayl\u0131k \u00f6demesi vard\u0131r<\/li>\n<\/ul>\n<p>Ayl\u0131k \u00f6deme form\u00fcl\u00fc bir ann\u00fcitenin bug\u00fcnk\u00fc de\u011ferinden gelir: \\(M\\), ayl\u0131k \\(i\\) oran\u0131yla iskonto edilmi\u015f de\u011feri tam olarak anaparaya \\(P\\) e\u015fit olan sabit \u00f6demedir. Faiz oran\u0131 s\u0131f\u0131rsa \u00f6deme basit\u00e7e \\(M = P \/ (12n)\\) olur.<\/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>Amortisman Plan\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 30 y\u0131l vadeli, %5 y\u0131ll\u0131k faiz oranl\u0131 250.000 $ kredi (hesaplay\u0131c\u0131n\u0131n varsay\u0131lan de\u011ferleri).<\/p>\n<p>\\[ i = \\frac{0.05}{12} = 0.0041667 \\]<\/p>\n<p>\\[ M = 250{,}000 \\times \\frac{0.0041667}{1 - (1.0041667)^{-360}} = 1{,}342.05 \\]<\/p>\n<p>\\[ \\text{Toplam \u00d6deme} = 1{,}342.05 \\times 360 = 483{,}138.00 \\]<\/p>\n<p>\\[ \\text{Toplam Faiz} = 483{,}138.00 - 250{,}000 = 233{,}138.00 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> ayl\u0131k \u00f6deme 1.342,05 $, 360 \u00f6demenin tamam\u0131n\u0131n toplam\u0131 483.138,00 $ ve 30 y\u0131l boyunca \u00f6denen toplam faiz 233.138,00 $'d\u0131r.<\/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 herhangi bir faiz eklenmeden \u00f6nce \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z toplam para.<\/li>\n<li><strong>Y\u0131ll\u0131k faiz oran\u0131n\u0131<\/strong> girin \u2014 kredi vericinin uygulad\u0131\u011f\u0131 nominal y\u0131ll\u0131k oran (\u00f6rn. %5 i\u00e7in 5).<\/li>\n<li><strong>Kredi vadesini<\/strong> y\u0131l cinsinden girin \u2014 krediyi geri \u00f6demeniz i\u00e7in ge\u00e7en s\u00fcre.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: sabit <strong>Ayl\u0131k \u00d6deme<\/strong>, t\u00fcm vade boyunca <strong>Toplam \u00d6deme<\/strong> ve anaparan\u0131n \u00fczerine \u00f6deyece\u011finiz <strong>Toplam Faiz<\/strong>.<\/li>\n<\/ol>\n<h2>Amortisman Plan\u0131 Nedir?<\/h2>\n<p>Amortisman plan\u0131, bir kredinin her \u00f6demesi i\u00e7in o \u00f6demenin ne kadar\u0131n\u0131n faize, ne kadar\u0131n\u0131n anaparan\u0131n azalt\u0131lmas\u0131na gitti\u011fini ve her \u00f6demeden sonra kalan bakiyeyi g\u00f6steren bir tablodur. Sabit faizli bir kredide \u00f6demenin kendisi her ay ayn\u0131 kal\u0131r \u2014 de\u011fi\u015fen \u015fey faiz ile anapara aras\u0131ndaki payla\u015f\u0131md\u0131r.<\/p>\n<p>Plan\u0131n her sat\u0131r\u0131 \u00fc\u00e7 basit kuraldan olu\u015fur:<\/p>\n<p>\\[ \\text{Faiz}_k = B_{k-1} \\times i, \\qquad \\text{Anapara}_k = M - \\text{Faiz}_k, \\qquad B_k = B_{k-1} - \\text{Anapara}_k \\]<\/p>\n<p>burada \\(B_{k-1}\\) \u00f6nceki \u00f6demeden sonraki bakiyedir. Faiz, kalan bakiye \u00fczerinden hesapland\u0131\u011f\u0131ndan ilk \u00f6demeler \u00e7o\u011funlukla faizden, son \u00f6demeler ise \u00e7o\u011funlukla anaparadan olu\u015fur. Yukar\u0131daki \u00f6rnek kredi i\u00e7in ilk iki ay \u015f\u00f6yle g\u00f6r\u00fcn\u00fcr:<\/p>\n<table>\n<thead>\n<tr>\n<th>\u00d6deme<\/th>\n<th>Tutar<\/th>\n<th>Faiz<\/th>\n<th>Anapara<\/th>\n<th>Kalan Bakiye<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1<\/td>\n<td>1.342,05 $<\/td>\n<td>1.041,67 $<\/td>\n<td>300,38 $<\/td>\n<td>249.699,62 $<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>1.342,05 $<\/td>\n<td>1.040,42 $<\/td>\n<td>301,63 $<\/td>\n<td>249.397,99 $<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Anapara pay\u0131n\u0131n her ay biraz b\u00fcy\u00fcd\u00fc\u011f\u00fcne, faiz pay\u0131n\u0131n ise k\u00fc\u00e7\u00fcld\u00fc\u011f\u00fcne dikkat edin \u2014 amortisman\u0131n belirleyici \u00f6zelli\u011fi budur. Hesaplay\u0131c\u0131n\u0131n verdi\u011fi toplam faiz rakam\u0131, 360 sat\u0131r\u0131n tamam\u0131ndaki faiz s\u00fctununun toplam\u0131d\u0131r.<\/p>\n<p>Bu payla\u015f\u0131m\u0131 anlamak pratikte \u00f6nemlidir. \u0130lk \u00f6demeler bakiyeyi neredeyse azaltmad\u0131\u011f\u0131ndan, bir konut kredisinin veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/arac-kredisi-hesaplama\/\">ta\u015f\u0131t kredisinin<\/a> ilk y\u0131llar\u0131nda yap\u0131lacak ek anapara \u00f6demeleri krediyi k\u0131salt\u0131r ve toplam faizi ciddi bi\u00e7imde d\u00fc\u015f\u00fcr\u00fcr; sona do\u011fru yap\u0131lan ek \u00f6demeler ise nispeten az kazand\u0131r\u0131r. Plan ayr\u0131ca, sadece birka\u00e7 y\u0131l sonra sat\u0131\u015f yapan veya yeniden finanse eden bor\u00e7lular\u0131n beklediklerinden daha az \u00f6zkaynakla ayr\u0131lmas\u0131n\u0131n nedenini de a\u00e7\u0131klar.<\/p>\n<p>De\u011fi\u015fken faizli bir kredide faiz oran\u0131 de\u011fi\u015fikli\u011fi bu payla\u015f\u0131m\u0131 s\u0131f\u0131rlar: kalan bakiyenin yine s\u0131f\u0131ra inmesi i\u00e7in kredi verici \u00f6demeyi (veya vadeyi) yeniden hesaplar. Bu hesaplay\u0131c\u0131n\u0131n rakamlar\u0131 yaln\u0131zca sabit faizli, sabit \u00f6demeli krediler \u2014 \u00f6rne\u011fin \u00e7o\u011fu konut kredisi, ta\u015f\u0131t kredisi ve ihtiya\u00e7 kredisi \u2014 i\u00e7in ge\u00e7erlidir; ilgili senaryolar i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">konut kredisi hesaplay\u0131c\u0131m\u0131za<\/a> ve genel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">kredi hesaplay\u0131c\u0131m\u0131za<\/a> bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Sabit faiz ve sabit \u00f6deme.<\/strong> Hesaplay\u0131c\u0131, faiz oran\u0131n\u0131n hi\u00e7 de\u011fi\u015fmedi\u011fini ve \u00f6demelerin ayl\u0131k, e\u015fit tutarlarda ve plana uygun olarak yap\u0131ld\u0131\u011f\u0131n\u0131 varsayar.<\/li>\n<li><strong>Masraf veya ek \u00fccret yok.<\/strong> Kapan\u0131\u015f masraflar\u0131, kredi a\u00e7\u0131l\u0131\u015f \u00fccretleri, konut kredisi sigortas\u0131 (PMI), sigortalar ve emlak vergileri dahil de\u011fildir. Konut kredileri i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">YILLIK MAL\u0130YET ORANI (APR)<\/a>, nominal orandan daha kapsaml\u0131 bir maliyet resmi verir.<\/li>\n<li><strong>Ek \u00f6deme yok.<\/strong> Ek veya daha b\u00fcy\u00fck anapara \u00f6demeleri toplam faizi hesaplanan rakam\u0131n alt\u0131na indirir \u2014 burada g\u00f6sterilen plan bir taban de\u011ferdir, tavan de\u011fil.<\/li>\n<li><strong>Yuvarlama.<\/strong> Ger\u00e7ek kredi vericiler her \u00f6demeyi ve her faiz tutar\u0131n\u0131 sente yuvarlar, bu y\u00fczden ger\u00e7ek planlar kredinin \u00f6mr\u00fc boyunca bu rakamlardan birka\u00e7 sent veya dolar sapabilir.<\/li>\n<li><strong>S\u0131f\u0131r faizli krediler.<\/strong> Faiz oran\u0131 %0 ise hesaplay\u0131c\u0131 anaparay\u0131 t\u00fcm \u00f6demelere e\u015fit olarak da\u011f\u0131t\u0131r, dolay\u0131s\u0131yla toplam faiz s\u0131f\u0131r olur.<\/li>\n<\/ul>\n<p>Pratik bir kural: vade uzad\u0131k\u00e7a ayl\u0131k \u00f6deme d\u00fc\u015fer ama toplam faiz y\u00fckselir. Ayn\u0131 krediyi 15, 20 ve 30 y\u0131l i\u00e7in kar\u015f\u0131la\u015ft\u0131rmak \u2014 ya da <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-refinansman-oranlari\/\">konut kredisi refinansman oran\u0131 hesaplay\u0131c\u0131s\u0131yla<\/a> oranlar\u0131 kar\u015f\u0131la\u015ft\u0131rmak \u2014 bu \u00f6d\u00fcnle\u015fimi dolar cinsinden g\u00f6rmenin en h\u0131zl\u0131 yoludur.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sabit faizli herhangi bir kredi i\u00e7in ayl\u0131k \u00f6demeyi, toplam \u00f6demeyi ve toplam faizi hesaplay\u0131n ve bir amortisman plan\u0131nda her \u00f6demenin anapara ile faiz aras\u0131nda nas\u0131l b\u00f6l\u00fcnd\u00fc\u011f\u00fcn\u00fc g\u00f6r\u00fcn. Kredi tutar\u0131n\u0131, faiz oran\u0131n\u0131 ve vadeyi 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-58","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\/58","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=58"}],"version-history":[{"count":4,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/58\/revisions"}],"predecessor-version":[{"id":3309,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/58\/revisions\/3309"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=58"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=58"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=58"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}