{"id":669,"date":"2026-10-03T15:04:56","date_gmt":"2026-10-03T14:04:56","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/refinansman-basabas-noktasi\/"},"modified":"2026-10-03T15:04:56","modified_gmt":"2026-10-03T14:04:56","slug":"refinansman-basabas-noktasi","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/refinansman-basabas-noktasi\/","title":{"rendered":"Refinansman Ba\u015faba\u015f Noktas\u0131 Hesaplay\u0131c\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\">Refinansman 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=\"669\" data-favorite-title=\"Refinansman Ba\u015faba\u015f Noktas\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/refinansman-basabas-noktasi\/\" data-favorite-excerpt=\"Refinansman maliyetlerinizi ka\u00e7 ayda geri kazand\u0131\u011f\u0131n\u0131z\u0131 \u00f6\u011frenin. Ba\u015faba\u015f noktan\u0131z\u0131 ve toplam tasarrufunuzu g\u00f6rmek i\u00e7in kredi bakiyenizi, mevcut \u00f6demenizi, yeni faiz oran\u0131n\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\/refinansman-basabas-noktasi\/\" method=\"POST\" class=\"calculator\" id=\"calculator-669\" data-post=\"669\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Kredi Bakiyesi<\/label><input type=\"text\" name=\"kredi_bakiyesi\" 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 mortgage \u00f6demenizi girin<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Mevcut Faiz Oran\u0131<\/label><input type=\"text\" name=\"mevcut_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\">Mevcut faiz oran\u0131n\u0131z\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Refinansman Faiz Oran\u0131<\/label><input type=\"text\" name=\"refinansman_faiz_oran\" id=\"field-4\" aria-describedby=\"calc-unit-4 calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"4\"\/><div class=\"unit\" id=\"calc-unit-4\">%<\/div><small id=\"calc-info-4\">Refinansman i\u00e7in yeni faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Refinansman Kredi Vadesi<\/label><input type=\"text\" name=\"refinansman_kredi_vadesi\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"30\"\/><div class=\"unit\" id=\"calc-unit-5\">y\u0131l<\/div><small id=\"calc-info-5\">Yeni kredi vadesini y\u0131l olarak girin<\/small><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Kapan\u0131\u015f Maliyeti T\u00fcr\u00fc<\/label><div class=\"grid grid-cols-1\"><select id=\"field-6\" name=\"kapan_maliyeti_tr\"><option value=\"points\">y\u00fczde<\/option><option value=\"cash\">nakit tutar\u0131<\/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><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Kapan\u0131\u015f Maliyeti De\u011feri<\/label><input type=\"text\" name=\"kapan_maliyeti_deeri\" id=\"field-7\" aria-describedby=\"calc-unit-7 calc-info-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2\"\/><div class=\"unit\" id=\"calc-unit-7\"><\/div><small id=\"calc-info-7\">T\u00fcre ba\u011fl\u0131 olarak y\u00fczde veya sabit tutar girin<\/small><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Kapan\u0131\u015f Maliyetleri Finanse Edilsin mi?<\/label><div class=\"grid grid-cols-1\"><select id=\"field-8\" name=\"kapan_maliyetleri_finanse_edilsin_mi\"><option value=\"no\">Hay\u0131r<\/option><option value=\"yes\">Evet<\/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=\"669\">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=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Ayl\u0131k \u00d6deme Tasarrufu<\/span><\/span><span class=\"field-value\" id=\"result-2\" data-unit=\"$\"><\/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 S\u00fcresi<\/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 class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Toplam Faiz (Mevcut Kredi)<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Toplam Faiz (Refinansman Kredisi)<\/span><\/span><span class=\"field-value\" id=\"result-5\" data-unit=\"$\"><\/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-6\"><span class=\"field-title\"><span>Tasarruf Edilen Faiz<\/span><\/span><span class=\"field-value\" id=\"result-6\" data-unit=\"$\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Sonucu kopyala\" aria-label=\"Sonucu kopyala\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-7\"><span class=\"field-title\"><span>Net Refinansman Tasarrufu<\/span><\/span><span class=\"field-value\" id=\"result-7\" data-unit=\"$\"><\/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=\"669\" 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 Ba\u015faba\u015f Noktas\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{Ayl\u0131k Tasarruf} = \\text{Mevcut \u00d6deme} - \\text{Yeni \u00d6deme} \\]\n\\[ \\text{Ba\u015faba\u015f S\u00fcresi} = \\frac{\\text{Kapan\u0131\u015f Maliyetleri}}{\\text{Ayl\u0131k Tasarruf}} \\]\n\\[ \\text{Yeni \u00d6deme} = \\frac{P \\times r}{1 - (1 + r)^{-n}} \\]\n\\[ \\text{Kapan\u0131\u015f Maliyetleri} = \\begin{cases} P \\times \\dfrac{x}{100}, &amp; \\text{y\u00fczde olarak ifade edilirse} \\\\ C, &amp; \\text{sabit nakit tutar olarak girilirse} \\end{cases} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 refinanse edilecek kredi bakiyesi (kapan\u0131\u015f maliyetlerini finanse etmeyi se\u00e7erseniz, onlar dahil)<\/li>\n<li>\\(r\\) \u2014 yeni kredinin 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 vadesindeki ayl\u0131k \u00f6deme say\u0131s\u0131<\/li>\n<li>\\(x\\) \u2014 kapan\u0131\u015f maliyetlerinin kredi bakiyesinin y\u00fczdesi olarak ifadesi<\/li>\n<li>\\(C\\) \u2014 kapan\u0131\u015f maliyetleri sabit nakit tutar olarak<\/li>\n<\/ul>\n<p>Ba\u015faba\u015f s\u00fcresi, tasarruflar\u0131n refinansman\u0131n pe\u015fin maliyetine e\u015fit olmas\u0131 i\u00e7in ka\u00e7 ay boyunca d\u00fc\u015f\u00fck \u00f6deme yapman\u0131z gerekti\u011fini g\u00f6sterir. \u0130pote\u011finizi bu s\u00fcreden daha uzun s\u00fcre elinizde tutmay\u0131 planl\u0131yorsan\u0131z, refinansman kendini amorti 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 Ba\u015faba\u015f Noktas\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> 250.000 $ borcunuz var, \u015fu anda ayda 1.500 $ \u00f6d\u00fcyorsunuz ve 30 y\u0131ll\u0131k vadeli %4 oranla refinansman yapabiliyorsunuz. Kapan\u0131\u015f maliyetleri bakiyenin %2'si ve pe\u015fin \u00f6deniyor.<\/p>\n<p>\\[ \\text{Kapan\u0131\u015f Maliyetleri} = 250{,}000 \\times \\frac{2}{100} = 5{,}000 \\]<\/p>\n<p>\\[ \\text{Yeni \u00d6deme} = \\frac{250{,}000 \\times 0.003333}{1 - (1.003333)^{-360}} \\approx 1{,}193.54 \\]<\/p>\n<p>\\[ \\text{Ayl\u0131k Tasarruf} = 1{,}500 - 1{,}193.54 = 306.46 \\]<\/p>\n<p>\\[ \\text{Ba\u015faba\u015f S\u00fcresi} = \\frac{5{,}000}{306.46} \\approx 16.3 \\text{ ay} \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> yeni \u00f6deme 1.193,54 $, ayl\u0131k tasarrufunuz 306,46 $ ve 5.000 $ kapan\u0131\u015f maliyetini yakla\u015f\u0131k 16,3 ayda geri kazan\u0131yorsunuz. 360 \u00f6demenin tamam\u0131nda toplam faiz, mevcut kredideki 290.000 $'dan refinansman sonras\u0131 yakla\u015f\u0131k 179.674 $'a d\u00fc\u015f\u00fcyor \u2014 kapan\u0131\u015f maliyetleri d\u00fc\u015f\u00fcld\u00fckten sonra net tasarruf yakla\u015f\u0131k 105.326 $.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Kredi Bakiyenizi<\/strong> girin \u2014 mevcut ipote\u011finizde kalan bor\u00e7 tutar\u0131.<\/li>\n<li><strong>Mevcut Ayl\u0131k \u00d6demenizi<\/strong> girin (yaln\u0131zca anapara ve faiz; vergi ve sigorta hari\u00e7).<\/li>\n<li><strong>Mevcut Faiz Oran\u0131n\u0131z\u0131<\/strong> y\u0131ll\u0131k y\u00fczde olarak girin, \u00f6rn. %5 i\u00e7in 5.<\/li>\n<li>Yeni krediniz i\u00e7in teklif edilen <strong>Refinansman Faiz Oran\u0131n\u0131<\/strong> girin.<\/li>\n<li><strong>Refinansman Kredi Vadesini<\/strong> y\u0131l olarak belirleyin \u2014 bu, yeni ipote\u011fin s\u00fcresidir.<\/li>\n<li><strong>Kapan\u0131\u015f Maliyeti T\u00fcr\u00fcn\u00fc<\/strong> se\u00e7in: kredi bakiyesinin \"y\u00fczdesi\" veya sabit \"nakit tutar\".<\/li>\n<li>Se\u00e7ti\u011finiz t\u00fcre uygun <strong>Kapan\u0131\u015f Maliyeti De\u011ferini<\/strong> girin.<\/li>\n<li><strong>Kapan\u0131\u015f Maliyetlerini Finanse Et<\/strong> se\u00e7ene\u011fine karar verin \u2014 \"Evet\" derseniz maliyetler refinanse edilen bakiyeye eklenir; \"Hay\u0131r\" derseniz cepten \u00f6dersiniz.<\/li>\n<li>Sonu\u00e7lar\u0131 okuyun: <strong>Yeni Ayl\u0131k \u00d6deme<\/strong>, <strong>Ayl\u0131k \u00d6deme D\u00fc\u015f\u00fc\u015f\u00fc<\/strong>, <strong>Ba\u015faba\u015f S\u00fcresi<\/strong> ve uzun vadeli faiz rakamlar\u0131.<\/li>\n<\/ol>\n<h2>Refinansman Ba\u015faba\u015f Noktas\u0131 Nedir?<\/h2>\n<p>Refinansman, mevcut ipote\u011finizi yenisiyle de\u011fi\u015ftirir; genellikle daha d\u00fc\u015f\u00fck faiz oran\u0131, daha k\u0131sa vade veya farkl\u0131 ayl\u0131k \u00f6demeler elde etmek i\u00e7in yap\u0131l\u0131r. Sorun \u015fu ki refinansman bedava de\u011fildir: ekspertiz \u00fccretleri, kredi a\u00e7\u0131l\u0131\u015f masraflar\u0131, tapu sigortas\u0131 ve di\u011fer kapan\u0131\u015f maliyetleri genellikle kredi tutar\u0131n\u0131n %2 ile %5'i aras\u0131ndad\u0131r. Bu maliyetler pe\u015fin \u00f6denirken, tasarruflar ay ay, kademeli olarak gelir.<\/p>\n<p>Ba\u015faba\u015f noktas\u0131, birikmi\u015f ayl\u0131k tasarruflar\u0131n\u0131z\u0131n kapan\u0131\u015f maliyetlerinize tam olarak e\u015fit oldu\u011fu and\u0131r. Bu noktadan \u00f6nce refinansman size para m\u00e2l olmu\u015ftur; sonras\u0131nda ise her \u00f6deme sizi kara ge\u00e7irir. Yukar\u0131daki \u00f6rnekte ev sahibi ilk 16 ay refinansmanda \"zararda\" olur ve 17. aydan itibaren k\u00e2ra ge\u00e7er.<\/p>\n<p>Pratik kural basittir: <strong>evi (ve bu ipote\u011fi) ba\u015faba\u015f s\u00fcresinden daha uzun s\u00fcre elinizde tutmay\u0131 bekliyorsan\u0131z, refinansman d\u00fc\u015f\u00fcn\u00fclmeye de\u011fer<\/strong>. Ba\u015faba\u015f noktas\u0131ndan \u00f6nce satmay\u0131 veya yeniden refinansman yapmay\u0131 d\u00fc\u015f\u00fcn\u00fcyorsan\u0131z, kapan\u0131\u015f maliyetleri hi\u00e7bir zaman geri kazan\u0131lamaz ve refinansman net bir zarar olur. Bu y\u00fczden karar\u0131n\u0131z\u0131 yaln\u0131zca faiz oran\u0131 fark\u0131 de\u011fil, ba\u015faba\u015f hesab\u0131 y\u00f6nlendirmelidir.<\/p>\n<p>Hesaplay\u0131c\u0131, ba\u015faba\u015f s\u00fcresinin yan\u0131 s\u0131ra \u00f6m\u00fcr boyu tabloyu da g\u00f6sterir: mevcut \u00f6deme plan\u0131n\u0131zdaki toplam faiz ile refinanse edilmi\u015f kredinin toplam faizi, tasarruf edilen faiz ve kapan\u0131\u015f maliyetleri d\u00fc\u015f\u00fcld\u00fckten sonraki net tasarruf. Bu, h\u0131zl\u0131 bir ba\u015faba\u015f\u0131 (k\u00fc\u00e7\u00fck tasarruf, d\u00fc\u015f\u00fck maliyet) daha yava\u015f ama \u00e7ok daha b\u00fcy\u00fck uzun vadeli kazan\u00e7la tartman\u0131za yard\u0131mc\u0131 olur. Farkl\u0131 oranlarla senaryolar\u0131 kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/ipotek-refinansman-oranlari\/\">ipotek refinansman oranlar\u0131 hesaplay\u0131c\u0131m\u0131za<\/a> bak\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Mevcut kredi kar\u015f\u0131la\u015ft\u0131rmas\u0131 basitle\u015ftirilmi\u015ftir.<\/strong> Mevcut kredinin toplam faizi, mevcut \u00f6demenizin yeni kredinin vadesi boyunca s\u00fcrmesi varsay\u0131larak tahmin edilir. Mevcut ipote\u011finizin kalan vadesini veya oran\u0131n\u0131 hesaba katmaz; bu y\u00fczden \"Toplam Faiz (Mevcut Kredi)\" ve \"Net Refinansman Tasarrufu\" rakamlar\u0131n\u0131 yakla\u015f\u0131k de\u011ferler olarak al\u0131n, ba\u015faba\u015f s\u00fcresi ise kendisi tam olarak do\u011frudur.<\/li>\n<li><strong>\u00d6demeler sabittir.<\/strong> Yeni kredi, tamamen amortismanl\u0131 sabit faizli ipotek olarak ele al\u0131n\u0131r. De\u011fi\u015fken faizli ipotekler, yaln\u0131zca faiz \u00f6denen d\u00f6nemler ve balon \u00f6demeler modellenmemi\u015ftir.<\/li>\n<li><strong>Vergi, sigorta ve emanet hesab\u0131 hari\u00e7tir.<\/strong> \u00d6demenizin yaln\u0131zca anapara ve faiz k\u0131sm\u0131n\u0131 girin; emanet tutarlar\u0131 zaten refinansmanla de\u011fi\u015fmez.<\/li>\n<li><strong>Erken kapama cezas\u0131 dahil de\u011fildir.<\/strong> Mevcut kredinizin b\u00f6yle bir ceza uygulay\u0131p uygulamad\u0131\u011f\u0131n\u0131 kontrol edin \u2014 <a href=\"https:\/\/wpcalc.com\/tr\/finans\/erken-odeme-cezasi\/\">erken kapama cezas\u0131 hesaplay\u0131c\u0131s\u0131n\u0131<\/a> kullan\u0131n \u2014 ve ge\u00e7erliyse kapan\u0131\u015f maliyetlerinize ekleyin.<\/li>\n<li><strong>Kapan\u0131\u015f maliyetlerini finanse etmek ba\u015faba\u015f noktas\u0131n\u0131 y\u00fckseltir.<\/strong> Maliyetleri yeni bakiyeye eklerseniz bakiye b\u00fcy\u00fcr, yeni \u00f6deme artar ve ayl\u0131k tasarruf k\u00fc\u00e7\u00fcl\u00fcr \u2014 hesaplay\u0131c\u0131 bunu otomatik olarak hesaba katar.<\/li>\n<li><strong>\u0130skonto puanlar\u0131n\u0131 dikkatle de\u011ferlendirin.<\/strong> Puan \u00f6demek oran\u0131n\u0131z\u0131 d\u00fc\u015f\u00fcr\u00fcr ama kapan\u0131\u015f maliyetlerini art\u0131rarak ba\u015faba\u015f s\u00fcresini uzat\u0131r. <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-iskonto-puani\/\">ipotek iskonto puan\u0131 hesaplay\u0131c\u0131m\u0131z<\/a> puan sat\u0131n alman\u0131n mant\u0131kl\u0131 olup olmad\u0131\u011f\u0131na karar vermenize yard\u0131mc\u0131 olabilir.<\/li>\n<li><strong>Paran\u0131n zaman de\u011feri yok say\u0131l\u0131r.<\/strong> Y\u0131llar sonra gelen tasarruflar, iskonto veya alternatif yat\u0131r\u0131m getirisi olmadan nominal de\u011feriyle say\u0131l\u0131r.<\/li>\n<\/ul>\n<h2>Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li>Kredivereninizden resmi bir Kredi Tahmini (Loan Estimate) al\u0131n ve tahmin y\u00fcr\u00fctmek yerine kesin kapan\u0131\u015f maliyetlerini girin.<\/li>\n<li>Break-even noktas\u0131n\u0131n ne kadar hassas oldu\u011funu g\u00f6rmek i\u00e7in hesaplamay\u0131 iki veya \u00fc\u00e7 farkl\u0131 teklif edilen oranla yap\u0131n.<\/li>\n<li>Yaln\u0131zca ba\u015faba\u015f s\u00fcresini de\u011fil, tasarruf edilen toplam faizi de kar\u015f\u0131la\u015ft\u0131r\u0131n \u2014 \u00e7ok daha b\u00fcy\u00fck \u00f6m\u00fcr boyu tasarruf i\u00e7in biraz daha uzun bir ba\u015faba\u015f s\u00fcresini kabul etmeye de\u011fer olabilir.<\/li>\n<li>Vadeyi k\u0131salt\u0131rsan\u0131z (\u00f6rne\u011fin 30 y\u0131ldan 15 y\u0131la), faizden tasarruf etseniz bile \u00f6demeniz artabilir; bu durumda ayl\u0131k tasarruf olmad\u0131\u011f\u0131 i\u00e7in ba\u015faba\u015f s\u00fcresi 0 g\u00f6r\u00fcnebilir ve refinansman\u0131n de\u011feri faiz rakamlar\u0131nda yatar.<\/li>\n<li>Farkl\u0131 bir oran\u0131n ve vadenin \u00f6demeye etkisine ilk bak\u0131\u015f i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">ipotek hesaplay\u0131c\u0131<\/a> iyi bir yard\u0131mc\u0131 ara\u00e7t\u0131r.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Refinansman maliyetlerinizi ka\u00e7 ayda geri kazand\u0131\u011f\u0131n\u0131z\u0131 \u00f6\u011frenin. Ba\u015faba\u015f noktan\u0131z\u0131 ve toplam tasarrufunuzu g\u00f6rmek i\u00e7in kredi bakiyenizi, mevcut \u00f6demenizi, yeni faiz oran\u0131n\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-669","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\/669","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=669"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/669\/revisions"}],"predecessor-version":[{"id":3284,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/669\/revisions\/3284"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}