{"id":688,"date":"2026-10-03T15:07:59","date_gmt":"2026-10-03T14:07:59","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/ters-ipotek-kredisi\/"},"modified":"2026-10-03T15:07:59","modified_gmt":"2026-10-03T14:07:59","slug":"ters-ipotek-kredisi","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/ters-ipotek-kredisi\/","title":{"rendered":"Ters \u0130potek Kredisi Hesaplama Arac\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\">Ters \u0130potek Uygunluk ve \u00d6deme Tahmin Arac\u0131<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"688\" data-favorite-title=\"Ters \u0130potek Kredisi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/ters-ipotek-kredisi\/\" data-favorite-excerpt=\"Ters ipotekle evinize kar\u015f\u0131l\u0131k ne kadar kredi \u00e7ekebilece\u011finizi tahmin edin. M\u00fclk de\u011ferini, LTV oran\u0131n\u0131, faiz oran\u0131n\u0131 ve \u00f6deme s\u0131kl\u0131\u011f\u0131n\u0131 girerek alabilece\u011finiz taksit tutar\u0131n\u0131 g\u00f6r\u00fcn.\" 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\/ters-ipotek-kredisi\/\" method=\"POST\" class=\"calculator\" id=\"calculator-688\" data-post=\"688\"><fieldset class=\"fieldset-input\"><legend class=\"sr-only\">Giri\u015f alanlar\u0131<\/legend><div class=\"field\" id=\"input-1\"><label for=\"field-1\">Emlak De\u011feri<\/label><input type=\"text\" name=\"emlak_deeri\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Emla\u011f\u0131n\u0131z\u0131n g\u00fcncel de\u011ferini girin<\/small><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">KDV Oran\u0131<\/label><input type=\"text\" name=\"kdv_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=\"60\"\/><div class=\"unit\" id=\"calc-unit-2\">%<\/div><small id=\"calc-info-2\">Kredi verici taraf\u0131ndan izin verilen Kredi\/De\u011fer oran\u0131<\/small><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">\u00d6deme D\u00f6nemi<\/label><input type=\"text\" name=\"deme_dnemi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" value=\"15\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">Kredi \u00f6deme d\u00f6nemi (y\u0131l)<\/small><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">\u00d6deme S\u0131kl\u0131\u011f\u0131<\/label><div class=\"grid grid-cols-1\"><select id=\"field-4\" name=\"deme_skl\"><option value=\"1\">Tek Seferde<\/option><option value=\"2\">Y\u0131ll\u0131k<\/option><option value=\"3\">Alt\u0131 Ayl\u0131k<\/option><option value=\"4\">\u00dc\u00e7 Ayl\u0131k<\/option><option value=\"5\">Ayl\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><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Faiz Oran\u0131<\/label><input type=\"text\" name=\"faiz_oran\" id=\"field-5\" aria-describedby=\"calc-unit-5 calc-info-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"8\"\/><div class=\"unit\" id=\"calc-unit-5\">%<\/div><small id=\"calc-info-5\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"688\">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>Taksit Tutar\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><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=\"688\" 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>Ters \u0130potek Kredisi 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{Kredi Tutar\u0131} = \\text{M\u00fclk De\u011feri} \\times \\frac{\\text{LTV}}{100} \\\\ \\text{Taksit} = \\frac{L \\times r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>\u015eu \u015fekildedir:<\/strong><\/p>\n<ul>\n<li>\\(\\text{M\u00fclk De\u011feri}\\) \u2014 evin g\u00fcncel piyasa de\u011feri<\/li>\n<li>\\(\\text{LTV}\\) \u2014 kredi kurulu\u015funun izin verdi\u011fi Kredi\/De\u011fer (LTV) oran\u0131, % cinsinden<\/li>\n<li>\\(L\\) \u2014 kredi tutar\u0131 (M\u00fclk De\u011feri \u00d7 LTV)<\/li>\n<li>\\(r\\) \u2014 d\u00f6nemsel faiz oran\u0131 (y\u0131ll\u0131k oran \u00f7 y\u0131ll\u0131k \u00f6deme say\u0131s\u0131)<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme say\u0131s\u0131 (y\u0131l \u00d7 y\u0131ll\u0131k \u00f6deme say\u0131s\u0131)<\/li>\n<\/ul>\n<p>\u0130lk form\u00fcl, toplam krediyi kredi kurulu\u015funun Kredi\/De\u011fer (LTV) limitine g\u00f6re s\u0131n\u0131rlar. \u0130kinci form\u00fcl ise bu tutar\u0131, standart an\u00fcite \u00f6deme form\u00fcl\u00fcn\u00fc kullanarak e\u015fit d\u00f6nemsel \u00f6demelere d\u00f6n\u00fc\u015ft\u00fcr\u00fcr.<\/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>Ters \u0130potek Kredisi \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> de\u011feri $5.000.000 olan bir ev, %60 LTV oran\u0131na izin veren bir kredi kurulu\u015fu, %8 y\u0131ll\u0131k faiz oran\u0131 ve ayl\u0131k \u00f6demeli 15 y\u0131ll\u0131k \u00f6deme d\u00f6nemi.<\/p>\n<p>\\[ L = 5{,}000{,}000 \\times \\frac{60}{100} = 3{,}000{,}000 \\]<\/p>\n<p>\\[ r = \\frac{0.08}{12} \\approx 0.006667, \\qquad n = 15 \\times 12 = 180 \\]<\/p>\n<p>\\[ \\text{Taksit} = \\frac{3{,}000{,}000 \\times 0.006667}{1 - (1 + 0.006667)^{-180}} \\approx 28{,}669.56 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> bor\u00e7lu, toplam 3.000.000 dolarl\u0131k bir krediye eri\u015febilir; bu kredi, 15 y\u0131l boyunca ayda yakla\u015f\u0131k <strong>$28.669,56<\/strong> tutar\u0131nda taksitler halinde \u00f6denir.<\/p>\n<p>\n\r\n<\/section>\n<h2>Ters \u0130potek Kredisi Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>M\u00fclk De\u011ferini<\/strong> girin \u2014 evinizin g\u00fcncel piyasa de\u011feri.<\/li>\n<li><strong>LTV Oran\u0131n\u0131<\/strong> girin \u2014 kredi kurulu\u015funuzun izin verdi\u011fi azami Kredi\/De\u011fer y\u00fczdesi.<\/li>\n<li><strong>\u00d6deme D\u00f6nemini<\/strong> girin \u2014 kredinin size ka\u00e7 y\u0131l boyunca \u00f6denece\u011fi.<\/li>\n<li><strong>\u00d6deme S\u0131kl\u0131\u011f\u0131n\u0131<\/strong> se\u00e7in: Tek Seferde (t\u00fcm kredi tutar\u0131 tek bir \u00f6demede), Y\u0131ll\u0131k, Alt\u0131 Ayl\u0131k, \u00dc\u00e7 Ayl\u0131k veya Ayl\u0131k.<\/li>\n<li><strong>Faiz Oran\u0131n\u0131<\/strong> girin \u2014 kredi kurulu\u015funun uygulad\u0131\u011f\u0131 y\u0131ll\u0131k oran.<\/li>\n<li><strong>Taksit Tutar\u0131n\u0131<\/strong> okuyun \u2014 her d\u00f6nemde alaca\u011f\u0131n\u0131z sabit \u00f6deme (veya Tek Seferde se\u00e7tiyseniz toplam tutar).<\/li>\n<\/ol>\n<h2>Ters \u0130potek Nedir?<\/h2>\n<p>Ters ipotek, ev sahiplerinin \u2014 tipik olarak emeklilerin \u2014 evlerini satmadan ve ayl\u0131k kredi \u00f6demesi yapmadan, evlerindeki sermaye kar\u015f\u0131l\u0131\u011f\u0131nda bor\u00e7 almas\u0131n\u0131 sa\u011flayan bir kredidir. Bor\u00e7lu bankaya \u00f6deme yapmak yerine, banka bor\u00e7luya \u00f6deme yapar; bu, tek seferlik toplam \u00f6deme, kredi hesab\u0131 (kredi limiti) veya d\u00fczenli taksitler halinde ger\u00e7ekle\u015febilir. Kredi ve birikmi\u015f faiz, ev sat\u0131ld\u0131\u011f\u0131nda, bor\u00e7lu kal\u0131c\u0131 olarak ta\u015f\u0131nd\u0131\u011f\u0131nda veya miras i\u015flemi tamamland\u0131\u011f\u0131nda geri \u00f6denir.<\/p>\n<p>Eri\u015febilece\u011finiz tutar \u00f6ncelikle iki fakt\u00f6re ba\u011fl\u0131d\u0131r: evinizin de\u011feri ve kredi kurulu\u015funun izin verdi\u011fi Kredi\/De\u011fer (LTV) oran\u0131. Kredi kurulu\u015flar\u0131 m\u00fclk\u00fcn tam de\u011ferini bor\u00e7 vermenize izin vermez \u2014 LTV s\u0131n\u0131r\u0131 onlar\u0131 d\u00fc\u015fen konut fiyatlar\u0131na kar\u015f\u0131 korur ve devlet g\u00fcvenceli programlarda genellikle bor\u00e7lunun ya\u015f\u0131yla birlikte artar. M\u00fclk de\u011ferini LTV oran\u0131yla \u00e7arpmak, azami kredi anaparas\u0131n\u0131 verir.<\/p>\n<p>Bu hesaplama arac\u0131 daha sonra bu anaparay\u0131 an\u00fcite form\u00fcl\u00fcn\u00fc kullanarak e\u015fit d\u00f6nemsel \u00f6demelere d\u00f6n\u00fc\u015ft\u00fcr\u00fcr. Her taksit k\u0131smen anapara, k\u0131smen faizden olu\u015fur; b\u00f6ylece kredi tamamen itfa edilir \u2014 \u00f6deme d\u00f6neminin sonunda bakiye tam olarak s\u0131f\u0131ra ula\u015f\u0131r. Daha uzun bir d\u00f6nem se\u00e7mek her taksiti d\u00fc\u015f\u00fcr\u00fcr ancak \u00f6denen toplam faizi art\u0131r\u0131r; daha k\u0131sa d\u00f6nem bunun tersini yapar. Bunu, \u00f6demeleri <em>sizin<\/em> yapt\u0131\u011f\u0131n\u0131z geleneksel bir krediyle kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">Konut Kredisi \u00d6demesi<\/a> veya <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama Arac\u0131m\u0131z\u0131<\/a> deneyin.<\/p>\n<h2>Varsay\u0131mlar, S\u0131n\u0131rlamalar ve Pratik \u0130pu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>\u0130tfa modeli:<\/strong> hesaplama arac\u0131 tamamen itfa edilen bir \u00f6deme ak\u0131\u015f\u0131 varsayar. Bir\u00e7ok ger\u00e7ek ters ipotek program\u0131 (ABD'deki HECM gibi) bunun yerine faizin \u00f6denmemi\u015f bakiye \u00fczerinden birikmesine izin verir ve hi\u00e7 taksit planlamaz; toplam bor\u00e7 bu durumda zamanla azalmak yerine artar.<\/li>\n<li><strong>Sabit oran ve de\u011fer:<\/strong> faiz oran\u0131 ve m\u00fclk de\u011ferinin t\u00fcm d\u00f6nem boyunca sabit oldu\u011fu varsay\u0131l\u0131r. De\u011fi\u015fken faizli krediler ve konut fiyat\u0131 de\u011fi\u015fimleri modellenmemi\u015ftir.<\/li>\n<li><strong>Dahil olmayan maliyetler:<\/strong> dosya masraflar\u0131, kapan\u0131\u015f maliyetleri, ipotek sigortas\u0131 primleri ve servis \u00fccretleri dahil de\u011fildir ve kullan\u0131labilir net tutar\u0131 belirgin \u015fekilde azaltabilir.<\/li>\n<li><strong>Tek Seferde \u00f6deme:<\/strong> Tek Seferde se\u00e7erseniz, hesaplama arac\u0131 t\u00fcm kredi tutar\u0131n\u0131 taksit plan\u0131 olmadan tek bir \u00f6deme olarak verir.<\/li>\n<li><strong>R\u00fccu edilememe \u00f6zelli\u011fi:<\/strong> ters ipoteklerin \u00e7o\u011fu r\u00fccu edilemezdir; yani geri \u00f6deme, geri \u00f6deme an\u0131ndaki ev de\u011ferini asla a\u015famaz \u2014 kredi kurulu\u015funuzdan teyit etmeye de\u011fer bir g\u00fcvencedir.<\/li>\n<\/ul>\n<p>Uygunluk ko\u015fullar\u0131, LTV s\u0131n\u0131rlar\u0131 ve vergi muamelesi \u00fclkeye ve programa g\u00f6re de\u011fi\u015fti\u011finden, sonucu planlama ama\u00e7l\u0131 bir tahmin olarak de\u011ferlendirin. Emeklilik mali durumunuzun daha geni\u015f bir g\u00f6r\u00fcn\u00fcm\u00fc i\u00e7in bunu <a href=\"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-planlayici\/\">Emeklilik Planlay\u0131c\u0131m\u0131z<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-hesaplama\/\">Konut Kredisi Hesaplama Arac\u0131m\u0131zla<\/a> birle\u015ftirin.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ters ipotekle evinize kar\u015f\u0131l\u0131k ne kadar kredi \u00e7ekebilece\u011finizi tahmin edin. M\u00fclk de\u011ferini, LTV oran\u0131n\u0131, faiz oran\u0131n\u0131 ve \u00f6deme s\u0131kl\u0131\u011f\u0131n\u0131 girerek alabilece\u011finiz taksit tutar\u0131n\u0131 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":[75],"class_list":["post-688","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\/688","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=688"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/688\/revisions"}],"predecessor-version":[{"id":3283,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/688\/revisions\/3283"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}