{"id":72,"date":"2026-10-03T11:23:08","date_gmt":"2026-10-03T10:23:08","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/anuite-odemesi-2\/"},"modified":"2026-10-03T11:23:08","modified_gmt":"2026-10-03T10:23:08","slug":"anuite-odemesi-2","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/anuite-odemesi-2\/","title":{"rendered":"An\u00fcite \u00d6demesi 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 Bug\u00fcnk\u00fc De\u011feri Bulun<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"72\" data-favorite-title=\"An\u00fcite \u00d6demesi\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/anuite-odemesi-2\/\" data-favorite-excerpt=\"E\u015fit d\u00f6nemsel \u00f6demeleri finanse etmek i\u00e7in bug\u00fcn gereken toplam tutar\u0131 (bug\u00fcnk\u00fc de\u011feri) hesaplay\u0131n. Gereken anapara miktar\u0131n\u0131 bulmak i\u00e7in \u00f6deme tutar\u0131n\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve d\u00f6nem say\u0131s\u0131n\u0131 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-odemesi-2\/\" method=\"POST\" class=\"calculator\" id=\"calculator-72\" data-post=\"72\"><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\">D\u00f6nemsel \u00f6deme<\/label><div class=\"term\">PMT<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"dnemsel_deme\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">D\u00f6nemsel \u00f6deme tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">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-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\">Y\u0131ll\u0131k faiz oran\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">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-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"1\" max=\"100\" value=\"20\"\/><div class=\"unit\" id=\"calc-unit-3\">y\u0131l<\/div><small id=\"calc-info-3\">D\u00f6nem say\u0131s\u0131n\u0131 girin<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"72\">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>Gereken Anapara<\/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=\"72\" 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 \u00d6demesi 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\\[ P = PMT \\times \\frac{1 - (1 + r)^{-n}}{r} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(P\\) \u2014 gereken anapara, yani an\u00fcitenin bug\u00fcnk\u00fc de\u011feri ($)<\/li>\n<li>\\(PMT\\) \u2014 d\u00f6nemsel \u00f6deme tutar\u0131 ($)<\/li>\n<li>\\(r\\) \u2014 d\u00f6nem ba\u015f\u0131na faiz oran\u0131, ondal\u0131k olarak (\u00f6rn. %5 = 0,05)<\/li>\n<li>\\(n\\) \u2014 toplam \u00f6deme d\u00f6nemi say\u0131s\u0131<\/li>\n<\/ul>\n<p>Bu form\u00fcl, gelecekteki her \u00f6demeyi \\(r\\) oran\u0131yla bug\u00fcne iskonto eder ve sonu\u00e7lar\u0131 toplar. \u015eu soruyu yan\u0131tlar: her d\u00f6nem \\(r\\) oran\u0131yla kazanan, \\(n\\) adet \\(PMT\\) tutar\u0131ndaki \u00f6demeyi tamamen kar\u015f\u0131layacak para bug\u00fcn ne kadar bir kenara konulmal\u0131d\u0131r? Faiz oran\u0131 s\u0131f\u0131rsa iskonto uygulanmaz ve anapara do\u011frudan \\(P = PMT \\times n\\) olur.<\/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 \u00d6demesi \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> y\u0131lda %5 kazanan bir hesaptan 20 y\u0131l boyunca her y\u0131l sonunda 5.000 $ \u00e7ekmek istiyorsunuz. Bug\u00fcn ne kadar yat\u0131rmak gerekir?<\/p>\n<p>\\[ P = 5000 \\times \\frac{1 - (1 + 0.05)^{-20}}{0.05} \\]<\/p>\n<p>\\[ P = 5000 \\times \\frac{1 - 0.37689}{0.05} = 5000 \\times 12.46221 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> gereken anapara <strong>62.311,05 $<\/strong>. Bu tutar\u0131n bug\u00fcn y\u0131ll\u0131k %5 oran\u0131yla yat\u0131r\u0131lmas\u0131, tam yirmi adet 5.000 $'l\u0131k y\u0131ll\u0131k \u00e7ekim yap\u0131lmas\u0131n\u0131 ve son \u00f6demede bakiyenin tamamen t\u00fckenmesini sa\u011flar.<\/p>\n<p>\n\r\n<\/section>\n<h2>An\u00fcite \u00d6demesi Hesaplama Arac\u0131 Nas\u0131l Kullan\u0131l\u0131r<\/h2>\n<ol>\n<li><strong>D\u00f6nemsel \u00f6demeyi<\/strong> girin \u2014 her d\u00f6nem \u00f6denen tutar, \u00f6rne\u011fin y\u0131lda 5.000 $.<\/li>\n<li><strong>Y\u0131ll\u0131k faiz oran\u0131n\u0131<\/strong> girin \u2014 anaparan\u0131n her d\u00f6nem kazand\u0131\u011f\u0131 oran; %5 i\u00e7in 5 gibi.<\/li>\n<li><strong>D\u00f6nem say\u0131s\u0131n\u0131<\/strong> girin \u2014 ka\u00e7 \u00f6deme yap\u0131laca\u011f\u0131, \u00f6rn. 20 y\u0131ll\u0131k \u00f6deme.<\/li>\n<li><strong>Gereken Anaparay\u0131<\/strong> okuyun \u2014 t\u00fcm \u00f6demeleri finanse etmek i\u00e7in bug\u00fcn gereken toplam tutar.<\/li>\n<\/ol>\n<p>Faiz oran\u0131 ile \u00f6deme s\u0131kl\u0131\u011f\u0131n\u0131n uyumlu oldu\u011fundan emin olun: ayl\u0131k \u00f6demeler i\u00e7in ayl\u0131k oran (y\u0131ll\u0131k oran \u00f7 12) kullan\u0131n ve d\u00f6nemleri ay cinsinden say\u0131n. Hesaplay\u0131c\u0131 her d\u00f6nemi tek bir ad\u0131m olarak ele al\u0131r, bu y\u00fczden do\u011fru sonu\u00e7 i\u00e7in \\(r\\) ile \\(n\\) aras\u0131ndaki tutarl\u0131l\u0131k \u015fartt\u0131r.<\/p>\n<h2>An\u00fcite \u00d6demesi Nedir?<\/h2>\n<p>An\u00fcite \u00f6demesi, tek bir toplam tutarla finanse edilen, d\u00fczenli aral\u0131klarla \u2014 ayl\u0131k, \u00fc\u00e7 ayl\u0131k veya y\u0131ll\u0131k \u2014 yap\u0131lan e\u015fit \u00f6demeler dizisidir. Bu hesaplay\u0131c\u0131, bu \u00f6demelerin <em>bug\u00fcnk\u00fc de\u011ferini<\/em> hesaplar: verilen faiz oran\u0131yla bug\u00fcn yat\u0131r\u0131ld\u0131\u011f\u0131nda her \u00f6demeyi tam olarak kar\u015f\u0131lamaya ve s\u00fcre sonunda tamamen t\u00fckenmeye yetecek para miktar\u0131n\u0131.<\/p>\n<p>Buradaki temel ilke paran\u0131n zaman de\u011feridir: gelecekte al\u0131nan bir dolar, bug\u00fcnk\u00fc bir dolardan daha az de\u011ferlidir, \u00e7\u00fcnk\u00fc bug\u00fcn tutulan para faiz kazanabilir. Bu nedenle gelecekteki her \u00f6deme \\(r\\) oran\u0131yla bug\u00fcne iskonto edilir ve t\u00fcm iskonto edilmi\u015f \u00f6demelerin toplam\u0131, gereken anapara olur. Yukar\u0131daki \u00f6rnekte yirmi adet 5.000 $'l\u0131k \u00f6deme toplamda nominal olarak 100.000 $ etmesine ra\u011fmen bug\u00fcn yaln\u0131zca 62.311,05 $ gereklidir \u2014 kalan 37.688,95 $, 20 y\u0131l boyunca kazan\u0131lan faizden gelir.<\/p>\n<p>Bu hesaplama bir\u00e7ok ger\u00e7ek durumda kar\u015f\u0131n\u0131za \u00e7\u0131kar: belirli bir gelir \u00fcretecek emeklilik birikimini boyutland\u0131rma, toplam tutar m\u0131 taksitler mi \u015feklinde sunulan yap\u0131land\u0131r\u0131lm\u0131\u015f tazminat\u0131 veya piyango \u00f6demesini de\u011ferlendirme, emeklilik maa\u015f\u0131 devirlerini fiyatland\u0131rma ve sabit s\u00fcre boyunca e\u015fit \u00f6deme vaat eden her s\u00f6zle\u015fmeyi inceleme. Tasarrufu gelire d\u00f6n\u00fc\u015ft\u00fcrme konusunu daha geni\u015f a\u00e7\u0131dan g\u00f6rmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/emeklilik-planlayici\/\">Emeklilik Planlay\u0131c\u0131<\/a> ve <a href=\"https:\/\/wpcalc.com\/tr\/finans\/aylik-yatirim-birikimi\/\">Ayl\u0131k Yat\u0131r\u0131m Tasarrufu<\/a> hesaplama ara\u00e7lar\u0131na bak\u0131n.<\/p>\n<h2>Sonucun Yorumlanmas\u0131<\/h2>\n<p>Gereken anapara; \u00f6demeler b\u00fcy\u00fcd\u00fck\u00e7e, d\u00f6nem say\u0131s\u0131 artt\u0131k\u00e7a ve \u2014 dikkat edin \u2014 faiz oran\u0131 <em>d\u00fc\u015ft\u00fck\u00e7e<\/em> y\u00fckselir. Oranlar d\u00fc\u015f\u00fcnce kalan bakiyeden kazan\u0131lan faiz azal\u0131r, bu y\u00fczden ayn\u0131 \u00f6demeyi s\u00fcrd\u00fcrebilmek i\u00e7in daha b\u00fcy\u00fck bir toplam tutar gerekir. An\u00fcite ve emeklilik maliyetlerinin d\u00fc\u015f\u00fck faiz ortamlar\u0131nda artmas\u0131n\u0131n nedeni budur.<\/p>\n<p>Karar vermeden \u00f6nce sonucu alternatiflerle kar\u015f\u0131la\u015ft\u0131r\u0131n. Bir tazminat teklifi hesaplanan bug\u00fcnk\u00fc de\u011ferden d\u00fc\u015f\u00fck bir toplam tutar sunuyorsa, taksitleri almak mali a\u00e7\u0131dan daha avantajl\u0131d\u0131r (vergiler ve ki\u015fisel ko\u015fullar bir yana b\u0131rak\u0131l\u0131rsa); toplam tutar bunu a\u015f\u0131yorsa pe\u015fin almak cazip olabilir. Ayn\u0131 mant\u0131k an\u00fcite sat\u0131n almak i\u00e7in de ge\u00e7erlidir: bug\u00fcnk\u00fc de\u011ferden fazla \u00f6demek, gelir ak\u0131\u015f\u0131 i\u00e7in fazla \u00f6demek demektir. \u00d6deme dizisi yerine tek bir gelecek tutar\u0131n\u0131 iskonto etmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/gelecek-degerin-bugunku-degeri\/\">Gelecek De\u011ferin Bug\u00fcnk\u00fc De\u011feri<\/a> hesaplama arac\u0131n\u0131; sabit yerine artan \u00f6demeler i\u00e7in <a href=\"https:\/\/wpcalc.com\/en\/finance\/present-value-for-growing-perpetuity\/\">B\u00fcy\u00fcyen Sonsuz \u00d6demenin Bug\u00fcnk\u00fc De\u011feri<\/a> hesaplama arac\u0131n\u0131 kullan\u0131n.<\/p>\n<h2>Varsay\u0131mlar ve S\u0131n\u0131rlamalar<\/h2>\n<ul>\n<li><strong>S\u0131radan an\u00fcite:<\/strong> form\u00fcl, \u00f6demelerin her d\u00f6nemin <em>sonunda<\/em> yap\u0131ld\u0131\u011f\u0131n\u0131 varsayar. D\u00f6nem ba\u015f\u0131nda yap\u0131lan \u00f6demeler (pe\u015fin \u00f6demeli an\u00fcite) i\u00e7in sonucu \\((1 + r)\\) ile \u00e7arp\u0131n.<\/li>\n<li><strong>Sabit \u00f6demeler:<\/strong> \u00f6deme tutar\u0131 hi\u00e7 de\u011fi\u015fmez. Enflasyona g\u00f6re ayarlanan gelir i\u00e7in b\u00fcy\u00fcyen an\u00fcite form\u00fcl\u00fc gerekir.<\/li>\n<li><strong>Sabit oran:<\/strong> faiz oran\u0131 t\u00fcm s\u00fcre boyunca sabittir. De\u011fi\u015fken oranl\u0131 hesaplar ve piyasa oynakl\u0131\u011f\u0131 modellenmemi\u015ftir.<\/li>\n<li><strong>Tam t\u00fckenme:<\/strong> bakiye son \u00f6demeden sonra tam olarak s\u0131f\u0131ra ula\u015f\u0131r \u2014 ne arta ne de miras olarak kalan bir tutar vard\u0131r.<\/li>\n<li><strong>Vergi ve \u00fccret yok:<\/strong> sonu\u00e7 vergi \u00f6ncesi bir rakamd\u0131r. \u00d6demelerden al\u0131n\u0131lan gelir vergisi, an\u00fcite \u00fccretleri ve al\u0131m y\u00fckleri ger\u00e7ek maliyeti veya de\u011feri \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015ftirebilir.<\/li>\n<\/ul>\n<p>Bilinen bir anaparadan \u00f6deme tutar\u0131n\u0131 bulan \u2014 bu arac\u0131n ayna g\u00f6r\u00fcnt\u00fcs\u00fc olan \u2014 ilgili hesaplama i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rentin-bugunku-degeri\/\">An\u00fcite i\u00e7in Bug\u00fcnk\u00fc De\u011fer<\/a> hesaplama arac\u0131n\u0131 deneyin.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>E\u015fit d\u00f6nemsel \u00f6demeleri finanse etmek i\u00e7in bug\u00fcn gereken toplam tutar\u0131 (bug\u00fcnk\u00fc de\u011feri) hesaplay\u0131n. Gereken anapara miktar\u0131n\u0131 bulmak i\u00e7in \u00f6deme tutar\u0131n\u0131, y\u0131ll\u0131k faiz oran\u0131n\u0131 ve d\u00f6nem say\u0131s\u0131n\u0131 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-72","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\/72","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=72"}],"version-history":[{"count":6,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/72\/revisions"}],"predecessor-version":[{"id":3759,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/72\/revisions\/3759"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=72"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=72"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=72"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}