{"id":70,"date":"2026-10-03T11:22:14","date_gmt":"2026-10-03T10:22:14","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/anuite-odeme-katsayisi\/"},"modified":"2026-10-03T11:22:14","modified_gmt":"2026-10-03T10:22:14","slug":"anuite-odeme-katsayisi","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/anuite-odeme-katsayisi\/","title":{"rendered":"An\u00fcite \u00d6deme Katsay\u0131s\u0131 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\">An\u00fcite Katsay\u0131n\u0131z\u0131 Hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"70\" data-favorite-title=\"An\u00fcite \u00d6deme Katsay\u0131s\u0131\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/anuite-odeme-katsayisi\/\" data-favorite-excerpt=\"D\u00f6nem ba\u015f\u0131na faiz oran\u0131 ve d\u00f6nem say\u0131s\u0131ndan an\u00fcite \u00f6deme katsay\u0131s\u0131n\u0131 hesaplay\u0131n. Sabit kredi veya an\u00fcite \u00f6demelerini hesaplamada kullan\u0131lan katsay\u0131y\u0131 elde etmek i\u00e7in y\u0131ll\u0131k oran\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\/anuite-odeme-katsayisi\/\" method=\"POST\" class=\"calculator\" id=\"calculator-70\" data-post=\"70\"><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\">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-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"100\" value=\"5\"\/><div class=\"unit\" id=\"calc-unit-1\">%<\/div><small id=\"calc-info-1\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">D\u00f6nem say\u0131s\u0131<\/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=\"dnem_says\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"100\" value=\"20\"\/><div class=\"unit\" id=\"calc-unit-2\">y\u0131l<\/div><small id=\"calc-info-2\">D\u00f6nem say\u0131s\u0131n\u0131 (y\u0131l) girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"70\">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>An\u00fcite \u00d6deme Fakt\u00f6r\u00fc<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/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=\"70\" 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>An\u00fcite \u00d6deme Katsay\u0131s\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{An\u00fcite \u00d6deme Katsay\u0131s\u0131} = \\frac{r}{1 - (1 + r)^{-n}} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(r\\) \u2014 d\u00f6nem ba\u015f\u0131na faiz oran\u0131, ondal\u0131k olarak ifade edilir (\u00f6rne\u011fin, %5 = 0,05)<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme d\u00f6nemi say\u0131s\u0131<\/li>\n<\/ul>\n<p>An\u00fcite \u00f6deme katsay\u0131s\u0131, bir kredi veya yat\u0131r\u0131m tutar\u0131n\u0131n \\(r\\) oran\u0131yla \\(n\\) d\u00f6nem i\u00e7inde tamamen itfa edilebilmesi i\u00e7in her d\u00f6nemde \u00f6denmesi (veya \u00e7ekilmesi) gereken kesirdir. Faiz oran\u0131 0 ise form\u00fcl \\(1\/n\\) \u015fekline sadele\u015fir, \u00e7\u00fcnk\u00fc tutar basit\u00e7e t\u00fcm d\u00f6nemlere e\u015fit olarak b\u00f6l\u00fcn\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>An\u00fcite \u00d6deme Katsay\u0131s\u0131 \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir kredi, y\u0131ll\u0131k %5 faiz oran\u0131yla 20 e\u015fit y\u0131ll\u0131k taksitte geri \u00f6deniyor.<\/p>\n<p>\\[ r = \\frac{5}{100} = 0.05, \\quad n = 20 \\]<\/p>\n<p>\\[ \\text{Katsay\u0131} = \\frac{0.05}{1 - (1 + 0.05)^{-20}} = \\frac{0.05}{1 - 0.376889} = \\frac{0.05}{0.623111} \\approx 0.080243 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> an\u00fcite \u00f6deme katsay\u0131s\u0131 yakla\u015f\u0131k olarak <strong>0,080243<\/strong> t\u00fcr. Bu, her y\u0131ll\u0131k \u00f6demenin orijinal tutar\u0131n yakla\u015f\u0131k %8,02'sine denk geldi\u011fi anlam\u0131na gelir \u2014 100.000 $'l\u0131k bir kredi i\u00e7in y\u0131ll\u0131k \u00f6deme \\(100{,}000 \\times 0.080243 \\approx \\$8{,}024\\) olur.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Y\u0131ll\u0131k faiz oran\u0131n\u0131<\/strong> y\u00fczde olarak girin (\u00f6rne\u011fin, %5 i\u00e7in 5).<\/li>\n<li><strong>D\u00f6nem say\u0131s\u0131n\u0131<\/strong> girin \u2014 toplam \u00f6deme say\u0131s\u0131; y\u0131ll\u0131k an\u00fciteler i\u00e7in y\u0131l cinsindendir.<\/li>\n<li>Sonu\u00e7 alan\u0131nda g\u00f6r\u00fcnt\u00fclenen <strong>An\u00fcite \u00d6deme Katsay\u0131s\u0131n\u0131<\/strong> okuyun.<\/li>\n<\/ol>\n<h2>An\u00fcite \u00d6deme Katsay\u0131s\u0131 Nedir?<\/h2>\n<p>An\u00fcite \u00f6deme katsay\u0131s\u0131 (kredi itfa katsay\u0131s\u0131 veya sermaye geri kazan\u0131m katsay\u0131s\u0131 olarak da adland\u0131r\u0131l\u0131r) bir bug\u00fcnk\u00fc de\u011feri e\u015fit d\u00f6nemsel \u00f6demeler dizisine d\u00f6n\u00fc\u015ft\u00fcr\u00fcr. \u015eu soruya yan\u0131t verir: <em>son \u00f6demeden sonra bakiyenin tam olarak s\u0131f\u0131ra ula\u015fmas\u0131 i\u00e7in her d\u00f6nemde tutar\u0131n hangi sabit kesri \u00f6denmelidir?<\/em> Her \u00f6deme, d\u00f6nem i\u00e7inde tahakkuk eden faizi kar\u015f\u0131lar ve anaparan\u0131n bir k\u0131sm\u0131n\u0131 geri \u00f6der; anapara pay\u0131 zamanla b\u00fcy\u00fcr.<\/p>\n<p>Katsay\u0131, an\u00fcitenin yap\u0131s\u0131n\u0131 (oran ve vade) tutardan ay\u0131rd\u0131\u011f\u0131 i\u00e7in finans alan\u0131nda yayg\u0131n olarak kullan\u0131l\u0131r. Katsay\u0131y\u0131 bir kez \u00f6\u011frendikten sonra herhangi bir kredi tutar\u0131 i\u00e7in d\u00f6nemsel \u00f6deme basit\u00e7e \\(\\text{\u00d6deme} = \\text{Tutar} \\times \\text{Katsay\u0131}\\) olur. Bankac\u0131lar h\u0131zl\u0131 kredi teklifleri i\u00e7in \u00f6nceden hesaplanm\u0131\u015f katsay\u0131 tablolar\u0131 kullan\u0131r; ipotek, ta\u015f\u0131t kredisi ve an\u00fcite \u00f6demelerinin \u00f6deme planlar\u0131n\u0131n temelinde de ayn\u0131 mant\u0131k yatar.<\/p>\n<p>Yararl\u0131 bir sa\u011flama y\u00f6ntemi: katsay\u0131 her zaman en az \\(1\/n\\), yani s\u0131f\u0131r faiz de\u011feridir. Katsay\u0131 ile \\(1\/n\\) aras\u0131ndaki fark, faizin maliyetini temsil eder. Daha uzun vadeler ve daha d\u00fc\u015f\u00fck oranlar katsay\u0131y\u0131 \\(1\/n\\)'ye yakla\u015ft\u0131r\u0131r; bu da her \u00f6demenin daha b\u00fcy\u00fck k\u0131sm\u0131n\u0131n anaparaya gitti\u011fi ve toplam \u00f6denen faizin daha az oldu\u011fu anlam\u0131na gelir.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>Sabit oran:<\/strong> faiz oran\u0131 t\u00fcm vade boyunca sabit kalmal\u0131d\u0131r. De\u011fi\u015fken faizli kredilerde oran her de\u011fi\u015fti\u011finde yeniden hesaplama gerekir.<\/li>\n<li><strong>E\u015fit d\u00f6nemler:<\/strong> \u00f6demeler ayn\u0131 uzunluktaki d\u00fczenli aral\u0131klarla yap\u0131l\u0131r ve girilen oran \u00f6deme d\u00f6nemine uygun olmal\u0131d\u0131r. Ayl\u0131k \u00f6demeler i\u00e7in y\u0131ll\u0131k oran\u0131 12'ye b\u00f6l\u00fcn ve y\u0131l say\u0131s\u0131n\u0131 12 ile \u00e7arp\u0131n, sonra form\u00fcl\u00fc kullan\u0131n.<\/li>\n<li><strong>S\u0131radan an\u00fcite:<\/strong> \u00f6demelerin her d\u00f6nemin sonunda yap\u0131ld\u0131\u011f\u0131 varsay\u0131l\u0131r. Ba\u015flang\u0131\u00e7ta \u00f6denen an\u00fcitelerin (vadesi ba\u015flang\u0131\u00e7l\u0131 an\u00fcite) katsay\u0131s\u0131 biraz farkl\u0131d\u0131r.<\/li>\n<li><strong>Masraf veya vergi yok:<\/strong> katsay\u0131 yaln\u0131zca anapara ve faizi kapsar; dosya masraflar\u0131, sigorta ve vergiler dahil de\u011fildir.<\/li>\n<\/ul>\n<p>Katsay\u0131y\u0131 ger\u00e7ek bir \u00f6deme tutar\u0131na d\u00f6n\u00fc\u015ft\u00fcrmek i\u00e7in kredi veya yat\u0131r\u0131m bakiyenizle \u00e7arp\u0131n. Tam itfa tablosu i\u00e7in ayr\u0131ca <a href=\"https:\/\/wpcalc.com\/tr\/finans\/kredi-hesaplama\/\">Kredi Hesaplama Arac\u0131n\u0131<\/a>, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/konut-kredisi-taksit-hesaplama\/\">\u0130potek \u00d6demesi Hesaplama Arac\u0131n\u0131<\/a> veya \u00f6deme ak\u0131\u015f\u0131ndan bug\u00fcnk\u00fc de\u011feri bulan ters i\u015flemi yapan <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rentin-bugunku-degeri\/\">An\u00fcitenin Bug\u00fcnk\u00fc De\u011feri Hesaplama Arac\u0131n\u0131<\/a> da kullanabilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00f6nem ba\u015f\u0131na faiz oran\u0131 ve d\u00f6nem say\u0131s\u0131ndan an\u00fcite \u00f6deme katsay\u0131s\u0131n\u0131 hesaplay\u0131n. Sabit kredi veya an\u00fcite \u00f6demelerini hesaplamada kullan\u0131lan katsay\u0131y\u0131 elde etmek i\u00e7in y\u0131ll\u0131k oran\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-70","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\/70","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=70"}],"version-history":[{"count":5,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/70\/revisions"}],"predecessor-version":[{"id":3758,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/70\/revisions\/3758"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=70"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=70"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=70"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}