{"id":625,"date":"2026-10-03T14:54:41","date_gmt":"2026-10-03T13:54:41","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/erken-odeme-cezasi\/"},"modified":"2026-10-03T14:54:41","modified_gmt":"2026-10-03T13:54:41","slug":"erken-odeme-cezasi","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/erken-odeme-cezasi\/","title":{"rendered":"Erken \u00d6deme Cezas\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\">Erken Kredi Kapatma Cezas\u0131 Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"625\" data-favorite-title=\"Erken \u00d6deme Cezas\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/erken-odeme-cezasi\/\" data-favorite-excerpt=\"\u0130potek kredinizi erken kapatman\u0131n cezas\u0131n\u0131 ve toplam kapatma tutar\u0131n\u0131 tahmin edin. Kalan kredi bakiyenizi girin; hesaplay\u0131c\u0131 standart %2&#039;lik erken \u00f6deme cezas\u0131n\u0131 uygular.\" 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\/erken-odeme-cezasi\/\" method=\"POST\" class=\"calculator\" id=\"calculator-625\" data-post=\"625\"><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=\"200000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Mevcut kredi bakiyesini girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Faiz Oran\u0131<\/label><div class=\"term\">r<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"faiz_oran\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Kredi faiz oran\u0131n\u0131 girin (ceza hesaplamas\u0131nda kullan\u0131lmaz)<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"625\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>\u0130potek Erken \u00d6deme Cezas\u0131<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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 \u0130potek Kapan\u0131\u015f Tutar\u0131<\/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><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=\"625\" 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>Erken \u00d6deme Cezas\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\\[ \\text{Ceza} = P \\times 0.02 \\\\\n\\text{Toplam Kapatma} = P + \\text{Ceza} \\]\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 ($)<\/li>\n<li>\\(\\text{Ceza}\\) \u2014 kredinin erken kapat\u0131lmas\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda al\u0131nan erken \u00f6deme cezas\u0131<\/li>\n<li>\\(\\text{Toplam Kapatma}\\) \u2014 ceza dahil kredinin erken kapat\u0131lmas\u0131 i\u00e7in gereken tam tutar<\/li>\n<\/ul>\n<p>Form\u00fcl, a\u00e7\u0131k bakiyeye %2 ceza oran\u0131 uygular; bu, ipotek ve di\u011fer sabit vadeli kredilerde yayg\u0131n bir erken \u00f6deme \u00fccreti yap\u0131s\u0131d\u0131r.<\/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>Erken \u00d6deme Cezas\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> kalan ipotek bakiyeniz 200.000 $ ve krediyi bug\u00fcn tamamen kapatmak istiyorsunuz.<\/p>\n<p>\\[ \\text{Ceza} = 200{,}000 \\times 0.02 = 4{,}000 \\]<\/p>\n<p>\\[ \\text{Toplam Kapatma} = 200{,}000 + 4{,}000 = 204{,}000 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> erken \u00f6deme cezas\u0131 <strong>4.000 $<\/strong>, ipoteki erken kapatmak i\u00e7in gereken toplam tutar ise <strong>204.000 $<\/strong>'d\u0131r.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li>Mevcut kredi bakiyenizi <strong>Kredi Tutar\u0131 (P)<\/strong> alan\u0131na girin. Bu, h\u00e2l\u00e2 bor\u00e7lu oldu\u011funuz tutard\u0131r; orijinal kredi tutar\u0131 de\u011fildir.<\/li>\n<li>Kredinizin faiz oran\u0131n\u0131 <strong>Faiz Oran\u0131<\/strong> alan\u0131na girin. Bu de\u011fer yaln\u0131zca bilgi ama\u00e7l\u0131 g\u00f6sterilir; ceza hesab\u0131nda kullan\u0131lmaz, \u00e7\u00fcnk\u00fc ceza yaln\u0131zca bakiyeye ba\u011fl\u0131d\u0131r.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>\u0130potek Erken \u00d6deme Cezas\u0131<\/strong> %2'lik \u00fccreti, <strong>Toplam \u0130potek Kapatma Tutar\u0131<\/strong> ise bakiye art\u0131 ceza tutar\u0131n\u0131 g\u00f6sterir.<\/li>\n<\/ol>\n<h2>Erken \u00d6deme Cezas\u0131 Nedir?<\/h2>\n<p>Erken \u00f6deme cezas\u0131, baz\u0131 kredi verenlerin bir krediyi erken kapatt\u0131\u011f\u0131n\u0131zda \u2014 tam kapatma, y\u00fcksek tutarl\u0131 ek \u00f6deme veya yeniden finansman yoluyla \u2014 ald\u0131\u011f\u0131 \u00fccrettir. Kredi verenler bu maddeleri krediden minimum bir getiri garanti etmek i\u00e7in ekler: anaparay\u0131 plandan \u00f6nce geri \u00f6derseniz, kalan vade boyunca tahsil etmeyi bekledikleri faizi kaybederler.<\/p>\n<p>En yayg\u0131n yap\u0131, a\u00e7\u0131k bakiyenin bir y\u00fczdesidir ve genellikle %2 civar\u0131ndad\u0131r. Baz\u0131 krediler zamanla azalan kademeli bir oran kullan\u0131r (\u00f6rne\u011fin birinci y\u0131l %3, ikinci y\u0131l %2, \u00fc\u00e7\u00fcnc\u00fc y\u0131l %1), baz\u0131lar\u0131 ise bunun yerine belli say\u0131da ayl\u0131k faiz tahsil eder. Bu hesaplay\u0131c\u0131, en tipik d\u00fczen olan bakiyenin %2'si y\u00f6ntemini kullan\u0131r.<\/p>\n<p>Olas\u0131 cezan\u0131z\u0131 bilmek, erken kapatma veya yeniden finansman karar\u0131 verirken \u00f6nemlidir. Yeni bir kredi daha d\u00fc\u015f\u00fck faiz oran\u0131 sunsa bile, eski kredideki ceza tasarrufu azaltabilir \u2014 hatta tamamen yok edebilir. Bu hesaplay\u0131c\u0131dan elde etti\u011finiz toplam kapatma tutar\u0131n\u0131, tasarruf edece\u011finiz faizle kar\u015f\u0131la\u015ft\u0131rmak erken \u00f6demenin de\u011ferip de\u011fermedi\u011fine karar vermenize yard\u0131mc\u0131 olur. Tam bir amortisman g\u00f6r\u00fcn\u00fcm\u00fc i\u00e7in bunu <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">\u0130potek Hesaplay\u0131c\u0131m\u0131zla<\/a> veya genel <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplay\u0131c\u0131s\u0131yla<\/a> birlikte kullan\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit %2 oran\u0131.<\/strong> Hesaplay\u0131c\u0131, girdi\u011finiz bakiyeye her zaman %2 ceza uygular. Kredi s\u00f6zle\u015fmeniz farkl\u0131 bir oran, kademeli bir \u00f6l\u00e7ek veya ayl\u0131k faiz form\u00fcl\u00fc belirtiyorsa, sonucu elle ayarlay\u0131n veya kredi vereninize dan\u0131\u015f\u0131n.<\/li>\n<li><strong>Yaln\u0131zca bakiye.<\/strong> Faiz oran\u0131 alan\u0131 sonucu etkilemez. Birka\u00e7 ayl\u0131k faize dayal\u0131 cezalar burada hesaplanamaz.<\/li>\n<li><strong>Di\u011fer kapatma maliyetleri hari\u00e7tir.<\/strong> Toplam kapatma tutar\u0131, son \u00f6demenizden bu yana birikmi\u015f faizi, gecikme \u00fccretlerini veya tapu kay\u0131t \u00fccretlerini i\u00e7ermez. Kesin tutar i\u00e7in kredi vereninizden resmi bir kapatma ekstresi isteyin.<\/li>\n<li><strong>Her kredide ceza yoktur.<\/strong> ABD'deki nitelikli konut ipoteklerinin \u00e7o\u011fu dahil bir\u00e7ok ipotek, erken \u00f6deme cezalar\u0131n\u0131 yasaklar veya k\u0131s\u0131tlar. \u00d6nce kredi belgelerinizi kontrol edin \u2014 hi\u00e7bir \u015fey bor\u00e7lu olmayabilirsiniz.<\/li>\n<\/ul>\n<h2>Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li>Para g\u00f6ndermeden \u00f6nce kredi vereninizden yaz\u0131l\u0131 bir kapatma teklifi isteyin; kesin tutar yaln\u0131zca s\u0131n\u0131rl\u0131 bir s\u00fcre i\u00e7in ge\u00e7erlidir.<\/li>\n<li>Baz\u0131 krediler, \u00fcst s\u0131n\u0131ra kadar (genellikle y\u0131lda bakiyenin %20'si) yap\u0131lan k\u0131smi ek \u00f6demelerde cezay\u0131 kald\u0131r\u0131r. Y\u00fcksek ek \u00f6demeler bu s\u0131n\u0131r\u0131n alt\u0131nda kal\u0131rsa cezas\u0131z olabilir.<\/li>\n<li>Yeniden finansman kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, cezay\u0131 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-refinansman-oranlari\/\">\u0130potek Yeniden Finansman Oranlar\u0131<\/a> hesaplay\u0131c\u0131s\u0131yla kapan\u0131\u015f maliyetleriyle birlikte tahmin edin ve yeni kredinin ger\u00e7ek maliyetini <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-apr\/\">\u0130potek EFAIZ (APR)<\/a> hesaplay\u0131c\u0131s\u0131yla kontrol edin.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u0130potek kredinizi erken kapatman\u0131n cezas\u0131n\u0131 ve toplam kapatma tutar\u0131n\u0131 tahmin edin. Kalan kredi bakiyenizi girin; hesaplay\u0131c\u0131 standart %2'lik erken \u00f6deme cezas\u0131n\u0131 uygular.<\/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-625","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\/625","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=625"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/625\/revisions"}],"predecessor-version":[{"id":3285,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/625\/revisions\/3285"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=625"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=625"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}