{"id":668,"date":"2026-10-03T15:04:17","date_gmt":"2026-10-03T14:04:17","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/refinansman-faiz-tasarrufu\/"},"modified":"2026-10-03T15:04:17","modified_gmt":"2026-10-03T14:04:17","slug":"refinansman-faiz-tasarrufu","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/refinansman-faiz-tasarrufu\/","title":{"rendered":"Refinansman Faiz Tasarrufu 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\">Refinansman Faiz Tasarrufunuzu Hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"668\" data-favorite-title=\"Refinansman Faiz Tasarrufu\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/refinansman-faiz-tasarrufu\/\" data-favorite-excerpt=\"Refinansman\u0131n size ne kadar kazand\u0131rabilece\u011fini tahmin edin. Mevcut kredi tutar\u0131n\u0131z\u0131, faiz oran\u0131n\u0131z\u0131 ve vadenizi, ayr\u0131ca yeni oran\u0131 ve yeni vadeyi girerek ayl\u0131k \u00f6demeleri kar\u015f\u0131la\u015ft\u0131r\u0131n ve faiz tasarrufunu g\u00f6r\u00fcn.\" aria-label=\"Favorilere ekle\" data-favorite-icon=\"icon icon-rate-up\">\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\/refinansman-faiz-tasarrufu\/\" method=\"POST\" class=\"calculator\" id=\"calculator-668\" data-post=\"668\"><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 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=\"mevcut_kredi_tutar\" 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\">Mevcut kredi tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Mevcut Faiz Oran\u0131 (%)<\/label><div class=\"term\">r_old<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"mevcut_faiz_oran_\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"6\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Kredinizin mevcut faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Mevcut Kredi Vadesi (Ay)<\/label><div class=\"term\">n_old<\/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_vadesi_ay\" id=\"field-3\" aria-describedby=\"calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"240\"\/><small id=\"calc-info-3\">Mevcut kredi vadesini ay cinsinden girin<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">Yeni Faiz Oran\u0131 (%)<\/label><div class=\"term\">r_new<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yeni_faiz_oran_\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Yeniden finansman sonras\u0131 yeni faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-5\"><label for=\"field-5\">Yeni Kredi Vadesi (Ay)<\/label><div class=\"term\">n_new<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"yeni_kredi_vadesi_ay\" id=\"field-5\" aria-describedby=\"calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"180\"\/><small id=\"calc-info-5\">Yeni kredi vadesini ay cinsinden girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"668\">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>Mevcut Kredinin Ayl\u0131k \u00d6demesi<\/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>Yeniden Finansman Sonras\u0131 Ayl\u0131k \u00d6deme<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Yeniden Finansman Sonras\u0131 Faiz Tasarrufu<\/span><\/span><span class=\"field-value\" id=\"result-3\" data-unit=\"$\"><\/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=\"668\" 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>Refinansman Faiz Tasarrufu 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\\[ PMT_{\\text{eski}} = \\frac{P \\times r_{\\text{eski}}}{1 - (1 + r_{\\text{eski}})^{-n_{\\text{eski}}}} \\\\ PMT_{\\text{yeni}} = \\frac{P \\times r_{\\text{yeni}}}{1 - (1 + r_{\\text{yeni}})^{-n_{\\text{yeni}}}} \\\\ \\text{Tasarruf} = (PMT_{\\text{eski}} - PMT_{\\text{yeni}}) \\times n_{\\text{yeni}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 mevcut kredi tutar\u0131 (h\u00e2l\u00e2 \u00f6denmemi\u015f anapara)<\/li>\n<li>\\(r_{\\text{eski}}\\) \u2014 mevcut kredinin ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran \u00f7 12)<\/li>\n<li>\\(n_{\\text{eski}}\\) \u2014 mevcut kredinin vadesi (ay olarak)<\/li>\n<li>\\(r_{\\text{yeni}}\\) \u2014 refinansman kredisinin ayl\u0131k faiz oran\u0131 (y\u0131ll\u0131k oran \u00f7 12)<\/li>\n<li>\\(n_{\\text{yeni}}\\) \u2014 yeni kredinin vadesi (ay olarak)<\/li>\n<\/ul>\n<p>\u0130lk iki sat\u0131r, her iki krediye uygulanm\u0131\u015f standart e\u015fit taksitli \u00f6deme form\u00fcl\u00fcd\u00fcr; \u00fc\u00e7\u00fcnc\u00fc sat\u0131r ise tasarrufu, iki ayl\u0131k \u00f6deme aras\u0131ndaki fark\u0131n yeni kredi vadesi boyunca birikmi\u015f h\u00e2li olarak tahmin eder.<\/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>Refinansman Faiz Tasarrufu \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> %6 faizle al\u0131nm\u0131\u015f, 240 ay\u0131 (20 y\u0131l) kalm\u0131\u015f 100.000 $ borcunuz var ve bir kredi kurulu\u015fu bunu %4 faizle 180 ayl\u0131k (15 y\u0131l) vadeli refinansman teklif ediyor.<\/p>\n<p>\\[ PMT_{\\text{eski}} = \\frac{100{,}000 \\times 0.005}{1 - (1.005)^{-240}} = 716.43 \\]<\/p>\n<p>\\[ PMT_{\\text{yeni}} = \\frac{100{,}000 \\times 0.0033333}{1 - (1.0033333)^{-180}} = 739.69 \\]<\/p>\n<p>\\[ \\text{Tasarruf} = (716.43 - 739.69) \\times 180 = -4{,}186 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> mevcut \u00f6deme ayda 716,43 $, refinansman sonras\u0131 \u00f6deme ise ayda 739,69 $. Tasarruf rakam\u0131 \u22124.186 $: yeni vade 60 ay daha k\u0131sa oldu\u011fu i\u00e7in ayl\u0131k \u00f6deme art\u0131yor ve bu nedenle \u00f6deme bazl\u0131 tasarruf yeni vade boyunca negatif \u00e7\u0131k\u0131yor. Kazan\u00e7 burada h\u0131zda \u2014 toplam \u00f6demeler 240 ayda yakla\u015f\u0131k 171.943 $'dan 180 ayda 133.144 $'a d\u00fc\u015f\u00fcyor ve toplam faiz kabaca 71.943 $'dan 33.144 $'a iniyor.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>Mevcut Kredi Tutar\u0131<\/strong>n\u0131 girin \u2014 h\u00e2l\u00e2 \u00f6demedi\u011finiz bakiyeyi, kredinin ba\u015flang\u0131\u00e7taki tutar\u0131n\u0131 de\u011fil.<\/li>\n<li>H\u00e2len \u00f6dedi\u011finiz <strong>Mevcut Faiz Oran\u0131 (%)<\/strong>n\u0131 girin.<\/li>\n<li><strong>Mevcut Kredi Vadesi (Ay)<\/strong>n\u0131 girin \u2014 mevcut kredide kalan ay say\u0131s\u0131n\u0131.<\/li>\n<li>Refinansman yapan kredi kurulu\u015funun teklif etti\u011fi <strong>Yeni Faiz Oran\u0131 (%)<\/strong>n\u0131 girin.<\/li>\n<li>Refinansman kredisi i\u00e7in <strong>Yeni Kredi Vadesi (Ay)<\/strong>n\u0131 girin.<\/li>\n<li><strong>Hesapla<\/strong>'ya bas\u0131n; mevcut kredinin ayl\u0131k \u00f6demesini, refinansman sonras\u0131 \u00f6demeyi ve faiz tasarrufunu g\u00f6r\u00fcn.<\/li>\n<\/ol>\n<h2>Refinansman Nedir ve Ne Zaman Kazand\u0131r\u0131r<\/h2>\n<p>Refinansman, mevcut bir krediyi yenisiyle de\u011fi\u015ftirmek anlam\u0131na gelir; genellikle daha d\u00fc\u015f\u00fck faiz oran\u0131ndan yararlanmak, vadeyi de\u011fi\u015ftirmek veya her ikisi i\u00e7in yap\u0131l\u0131r. Refinansman yapt\u0131\u011f\u0131n\u0131zda yeni kredi kurulu\u015fu eski borcunuzu kapat\u0131r ve siz yeni bir \u00f6deme plan\u0131yla (amortisman tablosuyla) ba\u015ftan ba\u015flars\u0131n\u0131z. Bu fikir, kredi \u00e7ektikten sonra piyasa faizlerinin d\u00fc\u015ft\u00fc\u011f\u00fc veya kredi sicilinizin daha iyi ko\u015fullar elde edecek kadar iyile\u015fti\u011fi durumlarda caziptir.<\/p>\n<p>Sonucu iki kald\u0131ra\u00e7 belirler. <em>Daha d\u00fc\u015f\u00fck oran<\/em>, her \u00f6demede al\u0131nan faizi azalt\u0131r; bu da ayl\u0131k \u00f6demenizi ve kredinin toplam maliyetini d\u00fc\u015f\u00fcr\u00fcr. <em>Daha k\u0131sa vade<\/em> ayl\u0131k \u00f6demeyi art\u0131r\u0131r ama faiz \u00f6dedi\u011finiz ay say\u0131s\u0131n\u0131 azalt\u0131r ve genellikle en b\u00fcy\u00fck toplam tasarrufu sa\u011flar. Daha uzun vade bunun tersini yapar: ayl\u0131k \u00f6demeyi d\u00fc\u015f\u00fcr\u00fcr ama toplam faizi art\u0131r\u0131r; bu da uygunluk (\u00f6denebilirlik) toplam maliyetten daha \u00f6nemli oldu\u011funda do\u011fru tercih olabilir.<\/p>\n<p>Sonucu yorumlamak biraz dikkat ister. Yeni vade mevcut vadeye e\u015fit veya ondan uzunsa, daha d\u00fc\u015f\u00fck oran neredeyse her zaman pozitif tasarruf sa\u011flar ve rakam kolay okunur: kabaca yeni vade boyunca cebinizde kalan parad\u0131r. Yeni vade daha <em>k\u0131saysa<\/em> ayl\u0131k \u00f6deme artabilir ve hesaplay\u0131c\u0131n\u0131n tasarruf rakam\u0131, genel olarak \u00e7ok daha az faiz \u00f6deseniz bile negatif \u00e7\u0131kabilir \u2014 bu durumda anla\u015fmay\u0131 ayl\u0131k farka g\u00f6re de\u011fil, toplam \u00f6demelere ve kapan\u0131\u015f tarihine g\u00f6re de\u011ferlendirin.<\/p>\n<p>Yayg\u0131n bir pratik kural, oran en az 0,5\u20131 puan d\u00fc\u015ft\u00fc\u011f\u00fcnde refinansman\u0131n ciddi \u015fekilde d\u00fc\u015f\u00fcn\u00fclmesi gerekti\u011fidir; ancak as\u0131l test ba\u015faba\u015f noktas\u0131d\u0131r: kapan\u0131\u015f masraflar\u0131n\u0131 ayl\u0131k \u00f6deme d\u00fc\u015f\u00fc\u015f\u00fcne b\u00f6l\u00fcn ve bunlar\u0131n geri kazan\u0131lmas\u0131n\u0131n ka\u00e7 ay s\u00fcrd\u00fc\u011f\u00fcne bak\u0131n. Bu tarihten \u00f6nce ta\u015f\u0131nmay\u0131 veya satmay\u0131 planl\u0131yorsan\u0131z refinansman kazand\u0131rmayabilir.<\/p>\n<h2>Yeni Orana G\u00f6re Tasarruf: 100.000 $ Kredi, 240 Ay, Ayn\u0131 Vadeyle Refinansman<\/h2>\n<table>\n<thead>\n<tr>\n<th>Yeni Oran<\/th>\n<th>Yeni Ayl\u0131k \u00d6deme<\/th>\n<th>\u00d6deme Bazl\u0131 Tasarruf (240 Ay)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>5,5%<\/td>\n<td>687,90 $<\/td>\n<td>6.847 $<\/td>\n<\/tr>\n<tr>\n<td>5,0%<\/td>\n<td>659,96 $<\/td>\n<td>13.553 $<\/td>\n<\/tr>\n<tr>\n<td>4,5%<\/td>\n<td>632,70 $<\/td>\n<td>20.095 $<\/td>\n<\/tr>\n<tr>\n<td>4,0%<\/td>\n<td>605,98 $<\/td>\n<td>26.508 $<\/td>\n<\/tr>\n<tr>\n<td>3,5%<\/td>\n<td>579,96 $<\/td>\n<td>32.753 $<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>%6 orandaki orijinal \u00f6deme 716,43 $'d\u0131r. Tablo, tasarrufun orana ne kadar duyarl\u0131 oldu\u011funu g\u00f6steriyor: bu kredi tutar\u0131 ve vadede her ek yar\u0131m puanl\u0131k indirim kabaca 6.500\u20137.000 $ de\u011ferindedir.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Kapan\u0131\u015f masraflar\u0131 dahil de\u011fildir.<\/strong> Bir konut kredisini refinans etmek tipik olarak kredi tutar\u0131n\u0131n %2\u20136's\u0131 kadar masrafla sonu\u00e7lan\u0131r. Bunlar\u0131 \u00f6ng\u00f6r\u00fclen tasarruftan d\u00fc\u015f\u00fcn\u00fcn veya refinansman\u0131 kazan\u00e7l\u0131 saymadan \u00f6nce daha uzun bir ufuk kullan\u0131n.<\/li>\n<li><strong>Tasarruf rakam\u0131 \u00f6deme bazl\u0131d\u0131r.<\/strong> \u0130ki ayl\u0131k \u00f6demeyi yeni vade \u00fczerinden kar\u015f\u0131la\u015ft\u0131r\u0131r. Toplam faizdeki kesin fark de\u011fildir; \u00f6zellikle vadeler farkl\u0131ysa \u2014 ger\u00e7ek bir toplam faiz kar\u015f\u0131la\u015ft\u0131rmas\u0131 i\u00e7in her kredinin \u00f6deme \u00d7 vade toplam\u0131n\u0131 hesaplay\u0131n.<\/li>\n<li><strong>Hesaplay\u0131c\u0131, yeni krediyi vade sonuna kadar tuttu\u011funuzu varsayar;<\/strong> ek \u00f6deme, erken sat\u0131\u015f veya de\u011fi\u015fken faizli kredilerde oran de\u011fi\u015fikli\u011fi yoktur.<\/li>\n<li><strong>Mevcut kredi i\u00e7in kalan bakiyeyi ve kalan vadeyi girin<\/strong>, orijinal tutarlar\u0131 de\u011fil; aksi h\u00e2lde kar\u015f\u0131la\u015ft\u0131rma yan\u0131lt\u0131c\u0131 olur.<\/li>\n<li><strong>Yeni oran\u0131n\u0131z kredi sicilinize ba\u011fl\u0131d\u0131r.<\/strong> Kredi kurulu\u015funun ilan etti\u011fi oran genellikle en iyi senaryodur; teklif edilen oran\u0131n size uygulanaca\u011f\u0131n\u0131 varsaymadan \u00f6nce kredi notunuzun nerede durdu\u011funu kontrol edin.<\/li>\n<li><strong>Alternatifleri d\u00fc\u015f\u00fcn\u00fcn.<\/strong> Amac\u0131n\u0131z sadece daha az faiz \u00f6demekse, ek anapara \u00f6demeleri yapmak \u2014 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/blok-kredi-aylik-taksit-hesaplama\/\">Tek Seferlik Ayl\u0131k \u00d6deme hesaplay\u0131c\u0131s\u0131na<\/a> bak\u0131n \u2014 refinansman masraflar\u0131 olmadan benzer tasarruf sa\u011flayabilir. Birden fazla borcu bir arada y\u00f6netiyorsan\u0131z <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">Bor\u00e7 Konsolidasyonu \u00d6demesi hesaplay\u0131c\u0131s\u0131<\/a> birle\u015ftirmeden \u00f6nceki ve sonraki toplam \u00f6demeleri kar\u015f\u0131la\u015ft\u0131r\u0131r. Temeldeki \u00f6deme matemati\u011fi, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rente-aylik-odeme\/\">Ayl\u0131k An\u00fcite \u00d6demesi hesaplay\u0131c\u0131s\u0131nda<\/a> kullan\u0131lan ayn\u0131 amortisman form\u00fcl\u00fcd\u00fcr.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Refinansman\u0131n size ne kadar kazand\u0131rabilece\u011fini tahmin edin. Mevcut kredi tutar\u0131n\u0131z\u0131, faiz oran\u0131n\u0131z\u0131 ve vadenizi, ayr\u0131ca yeni oran\u0131 ve yeni vadeyi girerek ayl\u0131k \u00f6demeleri kar\u015f\u0131la\u015ft\u0131r\u0131n ve faiz tasarrufunu g\u00f6r\u00fcn.<\/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":[48],"class_list":["post-668","post","type-post","status-publish","format-standard","hentry","category-finans","tag-faiz"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/668","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=668"}],"version-history":[{"count":2,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/668\/revisions"}],"predecessor-version":[{"id":2231,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/668\/revisions\/2231"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}