{"id":797,"date":"2026-10-03T15:36:08","date_gmt":"2026-10-03T14:36:08","guid":{"rendered":"https:\/\/wpcalc.com\/tr\/aktueryal-yontem-kazanilmamis-faiz\/"},"modified":"2026-10-03T15:36:08","modified_gmt":"2026-10-03T14:36:08","slug":"aktueryal-yontem-kazanilmamis-faiz","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/tr\/finans\/aktueryal-yontem-kazanilmamis-faiz\/","title":{"rendered":"Akt\u00fceryal Y\u00f6ntemle Kazan\u0131lmam\u0131\u015f Faiz Hesaplay\u0131c\u0131s\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\">Akt\u00fceryal Form\u00fclle Kazan\u0131lmam\u0131\u015f Kredi Faizini Hesaplay\u0131n<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"797\" data-favorite-title=\"Akt\u00fceryal Y\u00f6ntemle Kazan\u0131lmam\u0131\u015f Faiz\" data-favorite-url=\"https:\/\/wpcalc.com\/tr\/finans\/aktueryal-yontem-kazanilmamis-faiz\/\" data-favorite-excerpt=\"Bir kredinin kazan\u0131lmam\u0131\u015f faizini akt\u00fceryal y\u00f6ntemle tahmin edin: kredi tutar\u0131n\u0131, toplam faizi, kalan bakiyeyi ve d\u00fczeltme \u00fcstelini girerek krediyi erken kapatman\u0131z halinde finansman \u00fccretinin ne kadar\u0131n\u0131n h\u00e2l\u00e2 kazan\u0131lmam\u0131\u015f oldu\u011funu 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\/aktueryal-yontem-kazanilmamis-faiz\/\" method=\"POST\" class=\"calculator\" id=\"calculator-797\" data-post=\"797\"><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\">Orijinal Kredi Tutar\u0131<\/label><div class=\"term\">A<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"orijinal_kredi_tutar\" id=\"field-1\" aria-describedby=\"calc-unit-1 calc-info-1\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"10000\"\/><div class=\"unit\" id=\"calc-unit-1\">$<\/div><small id=\"calc-info-1\">Kredinin ba\u015flang\u0131\u00e7 tutar\u0131n\u0131 girin<\/small><\/div><div class=\"field has-term\" id=\"input-2\"><label for=\"field-2\">Toplam Faiz<\/label><div class=\"term\">I<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"toplam_faiz\" id=\"field-2\" aria-describedby=\"calc-unit-2 calc-info-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1500\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><small id=\"calc-info-2\">Toplam finansman maliyetini veya faizi girin<\/small><\/div><div class=\"field has-term\" id=\"input-3\"><label for=\"field-3\">Kalan Kredi Bakiyesi<\/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=\"kalan_kredi_bakiyesi\" id=\"field-3\" aria-describedby=\"calc-unit-3 calc-info-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"5000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><small id=\"calc-info-3\">Kredinin kalan bakiyesini girin<\/small><\/div><div class=\"field has-term\" id=\"input-4\"><label for=\"field-4\">k \u00dcss\u00fc (d\u00fczenleme katsay\u0131s\u0131)<\/label><div class=\"term\">k<\/div>  <div class=\"absolute bottom-0 left-16 top-8 w-2 h-0.5 bg-blue-500\"><\/div><input type=\"text\" name=\"k_ss_dzenleme_katsays\" id=\"field-4\" aria-describedby=\"calc-info-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"1.5\"\/><small id=\"calc-info-4\">D\u00fczenleme \u00fcss\u00fc, genellikle 1 ile 2 aras\u0131ndad\u0131r<\/small><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Yeniden hesapla\" id=\"calculate-button\" data-post=\"797\">Hesapla<\/button><button type=\"reset\">S\u0131f\u0131rla<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Otomatik hesapla<\/label><small>Etkinle\u015ftirilirse, herhangi bir de\u011feri de\u011fi\u015ftirdi\u011finizde sonu\u00e7 otomatik olarak g\u00fcncellenir.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Sonu\u00e7lar\u0131n\u0131z<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Kazan\u0131lmam\u0131\u015f Faiz<\/span><\/span><span class=\"field-value\" id=\"result-1\" data-unit=\"$\"><\/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=\"797\" 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>Akt\u00fceryal Y\u00f6ntem Kazan\u0131lmam\u0131\u015f Faiz 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\\[ U = I \\times \\left( \\frac{R}{A} \\right)^{k} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Burada:<\/strong><\/p>\n<ul>\n<li>\\(U\\) \u2014 kazan\u0131lmam\u0131\u015f faiz, yani finansman \u00fccretinin kredi verici taraf\u0131ndan hen\u00fcz kazanilmam\u0131\u015f k\u0131sm\u0131<\/li>\n<li>\\(A\\) \u2014 orijinal kredi tutar\u0131 (ba\u015flang\u0131\u00e7 anaparas\u0131)<\/li>\n<li>\\(I\\) \u2014 toplam faiz, yani kredinin t\u00fcm s\u00fcresi boyunca \u00f6denecek toplam finansman \u00fccreti<\/li>\n<li>\\(R\\) \u2014 kalan kredi bakiyesi (kapatma an\u0131ndaki \u00f6denmemi\u015f anapara)<\/li>\n<li>\\(k\\) \u2014 faizin ne kadar h\u0131zl\u0131 kazan\u0131ld\u0131\u011f\u0131n\u0131 kontrol eden d\u00fczeltme \u00fcstel\u00ee (boyutsuz)<\/li>\n<\/ul>\n<p>Form\u00fcl, toplam finansman \u00fccretini, h\u00e2l\u00e2 \u00f6denmemi\u015f kredi kesri olan \\(R\/A\\) oran\u0131n\u0131n \\(k\\) kuvvetiyle \u00e7arparak \u00f6l\u00e7ekler. \u00dcstel, kazan\u0131m e\u011frisinin \u015feklini de\u011fi\u015ftirir: \\(k = 1\\) iken kazan\u0131lmam\u0131\u015f faiz kesinlikle kalan bakiyeyle orant\u0131l\u0131d\u0131r; 1'in \u00fczerindeki de\u011ferler ise faizin kredinin erken d\u00f6neminde daha h\u0131zl\u0131 kazan\u0131lmas\u0131na neden 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>Akt\u00fceryal Y\u00f6ntem Kazan\u0131lmam\u0131\u015f Faiz \u2013 Hesaplama \u00d6rne\u011fi<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>\u00d6rnek:<\/strong> bir bor\u00e7lu, toplam finansman \u00fccreti 1.500 $ olan 10.000 $ tutar\u0131nda bir kredi al\u0131yor. Birka\u00e7 \u00f6deme sonras\u0131nda kalan bakiye 5.000 $ olur. D\u00fczeltme \u00fcsteli \\(k = 1.5\\) kullan\u0131ld\u0131\u011f\u0131nda, kredi \u015fu anda kapat\u0131l\u0131rsa ne kadar faiz h\u00e2l\u00e2 kazan\u0131lmam\u0131\u015f olur?<\/p>\n<p>\\[ \\frac{R}{A} = \\frac{5000}{10000} = 0.5 \\]<\/p>\n<p>\\[ U = 1500 \\times 0.5^{1.5} = 1500 \\times 0.35355 \\approx 530.33 \\]<\/p>\n<p><strong>Sonu\u00e7:<\/strong> kazan\u0131lmam\u0131\u015f faiz yakla\u015f\u0131k <strong>530,33 $<\/strong>d\u0131r. Bu, bu y\u00f6ntem alt\u0131nda erken \u00f6demede iade edilecek (veya tahsil edilmeyecek) tutard\u0131r; geriye kalan \\(1500 - 530.33 = 969.67\\) dolarl\u0131k faiz ise zaten kazan\u0131lm\u0131\u015ft\u0131r.<\/p>\n<p>\n\r\n<\/section>\n<h2>Hesaplay\u0131c\u0131 nas\u0131l kullan\u0131l\u0131r?<\/h2>\n<ol>\n<li><strong>Orijinal Kredi Tutar\u0131n\u0131<\/strong> girin \u2014 herhangi bir \u00f6deme yap\u0131lmadan \u00f6nce \u00f6d\u00fcn\u00e7 ald\u0131\u011f\u0131n\u0131z ba\u015flang\u0131\u00e7 anaparas\u0131.<\/li>\n<li><strong>Toplam Faizi<\/strong> girin \u2014 kredinin t\u00fcm vadesi boyunca planlanan t\u00fcm finansman \u00fccreti.<\/li>\n<li><strong>Kalan Kredi Bakiyesini<\/strong> girin \u2014 kapatma tarihindeki \u00f6denmemi\u015f anapara. Bu rakam i\u00e7in en son ekstrenizi kontrol edin.<\/li>\n<li><strong>\u00dcstel k'yi (d\u00fczeltme katsay\u0131s\u0131)<\/strong> ayarlay\u0131n. Kesinlikle orant\u0131l\u0131 bir iade i\u00e7in 1 kullan\u0131n; 1 ile 2 aras\u0131ndaki de\u011ferler daha h\u0131zl\u0131 faiz kazan\u0131m\u0131n\u0131 modeller. Emin de\u011filseniz varsay\u0131lan 1,5 ile ba\u015flay\u0131n ve 1 ile kar\u015f\u0131la\u015ft\u0131r\u0131n.<\/li>\n<li><strong>Kazan\u0131lmam\u0131\u015f Faiz<\/strong> sonucunu okuyun \u2014 kredi verici taraf\u0131ndan hen\u00fcz kazan\u0131lmam\u0131\u015f tahmini finansman \u00fccreti k\u0131sm\u0131.<\/li>\n<\/ol>\n<h2>Kazan\u0131lmam\u0131\u015f faiz nedir ve neden \u00f6nemlidir?<\/h2>\n<p>Taksitli kredilerin \u00e7o\u011fu, toplam finansman \u00fccretini e\u015fit ayl\u0131k \u00f6demelerden olu\u015fan bir plana yerle\u015ftirir. Bor\u00e7lu krediyi erken kapatt\u0131\u011f\u0131nda, kredi verici bu \u00fccretin tamam\u0131n\u0131 hen\u00fcz \"kazanmam\u0131\u015f\" olur. <em>Kazan\u0131lmam\u0131\u015f faiz<\/em>, iade edilmesi veya affedilmesi gereken finansman \u00fccreti k\u0131sm\u0131d\u0131r \u2014 bu kavram, bir\u00e7ok erken \u00f6demede akt\u00fceryal y\u00f6ntemle iadeyi zorunlu k\u0131lan ABD Truth in Lending Act (Regulation Z) gibi t\u00fcketici kredisi kurallar\u0131nda resmile\u015ftirilmi\u015ftir.<\/p>\n<p>Akt\u00fceryal y\u00f6ntem, faizin azalan anapara bakiyesi \u00fczerinden i\u015fledi\u011fini kabul eder: erken \u00f6demelerde (bakiye b\u00fcy\u00fckken) daha fazla faiz kazan\u0131l\u0131r, ge\u00e7 \u00f6demelerde ise daha az. Bu nedenle erken \u00e7\u0131k\u0131\u015f yapan bir bor\u00e7lu, plan\u0131n gerektirdi\u011finden daha fazla faiz \u00f6demi\u015ftir ve bu fazla tutar kendisine geri verilir. Bu y\u00fczden bu hesaplay\u0131c\u0131daki kazan\u0131lmam\u0131\u015f tutar, kalan bakiye \\(R\\) d\u00fc\u015ft\u00fck\u00e7e k\u00fc\u00e7\u00fcl\u00fcr \u2014 bakiye s\u0131f\u0131ra ula\u015ft\u0131\u011f\u0131nda kazan\u0131lmam\u0131\u015f faiz de s\u0131f\u0131r olur.<\/p>\n<p>Bu form\u00fcldeki \\(k\\) \u00fcsteli, kazan\u0131m e\u011frisinin \u015feklini ayarlar. \\(k = 1\\) iken kazan\u0131lmam\u0131\u015f faiz tam olarak kalan bakiyeyle orant\u0131l\u0131d\u0131r \u2014 bu, klasik sabit oran yakla\u015f\u0131m\u0131d\u0131r. \\(k &gt; 1\\) iken faiz ba\u015flang\u0131\u00e7ta daha h\u0131zl\u0131 kazan\u0131l\u0131r (1'in alt\u0131ndaki oran, \u00fcstel taraf\u0131ndan daha da k\u00fc\u00e7\u00fclt\u00fcl\u00fcr), dolay\u0131s\u0131yla erken \u00f6demede iade daha k\u00fc\u00e7\u00fck olur; bu, <a href=\"https:\/\/wpcalc.com\/tr\/finans\/78-kurali\/\">78'ler Kural\u0131 faiz da\u011f\u0131t\u0131m\u0131<\/a> gibi \u00f6ne y\u00fcklenmi\u015f planlar\u0131n etkisini taklit eder. \\(k &lt; 1\\) iken ise iade daha b\u00fcy\u00fckt\u00fcr ve bor\u00e7lu i\u00e7in daha avantajl\u0131d\u0131r.<\/p>\n<p>Sonucu yorumlarken, kazan\u0131lmam\u0131\u015f faizin ek bir maliyet de\u011fil bir <em>iade tahmini<\/em> oldu\u011funu unutmay\u0131n. Kredi vericinizden ald\u0131\u011f\u0131n\u0131z erken kapatma teklifini kar\u015f\u0131la\u015ft\u0131r\u0131yorsan\u0131z, kazan\u0131lmam\u0131\u015f faiz, kapatma rakam\u0131n\u0131n t\u00fcm kalan \u00f6demelerin toplam\u0131na g\u00f6re azalt\u0131lmas\u0131 gereken yakla\u015f\u0131k tutard\u0131r.<\/p>\n<h2>Varsay\u0131mlar, s\u0131n\u0131rlamalar ve pratik ipu\u00e7lar\u0131<\/h2>\n<ul>\n<li><strong>Genelle\u015ftirilmi\u015f model.<\/strong> Bu form\u00fcl, akt\u00fceryal kazan\u0131m deseninin esnek bir yakla\u015f\u0131m\u0131d\u0131r. Kesin yasal akt\u00fceryal iade, kredinin AKF'sinden (y\u0131ll\u0131k maliyet oran\u0131) ve \u00f6deme plan\u0131ndan hesaplan\u0131r; bu y\u00fczden resmi bir kapatma rakam\u0131 i\u00e7in her zaman kredi vericinizin amortisman ekstresini kullan\u0131n.<\/li>\n<li><strong>k'nin se\u00e7imi.<\/strong> \\(k\\) i\u00e7in evrensel bir de\u011fer yoktur. Do\u011frusal, bakiyeyle orant\u0131l\u0131 bir tahmin i\u00e7in 1 kullan\u0131n; daha uzun taksitli kredilere \u00f6zg\u00fc \u00f6ne y\u00fcklenmi\u015f amortisman plan\u0131n\u0131 yakla\u015f\u0131k olarak modellemek i\u00e7in 1,2\u20131,8 kullan\u0131n. Senaryolar\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken \\(k\\) de\u011ferini ayn\u0131 tutun.<\/li>\n<li><strong>Girdiler uyumlu olmal\u0131.<\/strong> \\(I\\), bug\u00fcne kadar \u00f6denen faiz de\u011fil, t\u00fcm vade boyunca toplam finansman \u00fccretidir; \\(R\\), kalan \u00f6demelerin toplam\u0131 de\u011fil, yaln\u0131zca anaparad\u0131r. Bunlar\u0131 kar\u0131\u015ft\u0131rmak en yayg\u0131n hata kayna\u011f\u0131d\u0131r.<\/li>\n<li><strong>\u00dccretler dahil de\u011fildir.<\/strong> Dosya masraflar\u0131, erken \u00f6deme cezalar\u0131 ve di\u011fer \u00fccretler bu hesaplaman\u0131n par\u00e7as\u0131 de\u011fildir. Ger\u00e7ek bir kapatma tahmini yaparken bunlar\u0131 ayr\u0131ca ekleyin veya \u00e7\u0131kar\u0131n.<\/li>\n<li><strong>\u0130lgili ara\u00e7lar.<\/strong> \u00d6deme ak\u0131\u015f\u0131n\u0131n kendisini hesaplamak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/rente-aylik-odeme\/\">ayl\u0131k rant \u00f6deme hesaplay\u0131c\u0131s\u0131n\u0131<\/a>; \u00f6ne y\u00fcklenmi\u015f iade y\u00f6ntemlerini kar\u015f\u0131la\u015ft\u0131rmak i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/78-kurali\/\">78'ler Kural\u0131 hesaplay\u0131c\u0131s\u0131n\u0131<\/a>; birden fazla krediyi tek kredide birle\u015ftirmenin maliyetini de\u011ferlendirmek i\u00e7in <a href=\"https:\/\/wpcalc.com\/tr\/finans\/borc-birlestirme\/\">bor\u00e7 birle\u015ftirme \u00f6deme hesaplay\u0131c\u0131s\u0131n\u0131<\/a> deneyin.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bir kredinin kazan\u0131lmam\u0131\u015f faizini akt\u00fceryal y\u00f6ntemle tahmin edin: kredi tutar\u0131n\u0131, toplam faizi, kalan bakiyeyi ve d\u00fczeltme \u00fcstelini girerek krediyi erken kapatman\u0131z halinde finansman \u00fccretinin ne kadar\u0131n\u0131n h\u00e2l\u00e2 kazan\u0131lmam\u0131\u015f oldu\u011funu 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-797","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\/797","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=797"}],"version-history":[{"count":3,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/797\/revisions"}],"predecessor-version":[{"id":2228,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/posts\/797\/revisions\/2228"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/media?parent=797"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/categories?post=797"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/tr\/wp-json\/wp\/v2\/tags?post=797"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}