Konut Kredisi Hesaplama Aracı

Hesaplamaya Girin

Kredi Tutarı ($):

Yıllık Faiz Oranı (%):

Kredi Vadesi (yıl):

Sonuç

Aylık Taksit

$1.013,37

Kredi Özeti

Kredi Tutarı	$200.000,00
Faiz Oranı	4,50%
Kredi Vadesi	30 years
Toplam Ödeme	$364.813,42
Toplam Faiz	$164.813,42

Geri Ödeme Planı

Taksit No	Anapara	Faiz	Kalan Bakiye
Year 1
1 $263,37 $750,00 $199.736,63 2 $264,36 $749,01 $199.472,27 3 $265,35 $748,02 $199.206,92 4 $266,34 $747,03 $198.940,58 5 $267,34 $746,03 $198.673,23 6 $268,35 $745,02 $198.404,89 7 $269,35 $744,02 $198.135,54 8 $270,36 $743,01 $197.865,17 9 $271,38 $741,99 $197.593,80 10 $272,39 $740,98 $197.321,40 11 $273,42 $739,96 $197.047,99 12 $274,44 $738,93 $196.773,55
Year 2
13 $275,47 $737,90 $196.498,08 14 $276,50 $736,87 $196.221,57 15 $277,54 $735,83 $195.944,03 16 $278,58 $734,79 $195.665,45 17 $279,63 $733,75 $195.385,83 18 $280,67 $732,70 $195.105,15 19 $281,73 $731,64 $194.823,43 20 $282,78 $730,59 $194.540,65 21 $283,84 $729,53 $194.256,80 22 $284,91 $728,46 $193.971,89 23 $285,98 $727,39 $193.685,92 24 $287,05 $726,32 $193.398,87
Year 3
25 $288,12 $725,25 $193.110,75 26 $289,21 $724,17 $192.821,54 27 $290,29 $723,08 $192.531,25 28 $291,38 $721,99 $192.239,87 29 $292,47 $720,90 $191.947,40 30 $293,57 $719,80 $191.653,83 31 $294,67 $718,70 $191.359,16 32 $295,77 $717,60 $191.063,39 33 $296,88 $716,49 $190.766,51 34 $298,00 $715,37 $190.468,51 35 $299,11 $714,26 $190.169,40 36 $300,24 $713,14 $189.869,16
Year 4
37 $301,36 $712,01 $189.567,80 38 $302,49 $710,88 $189.265,31 39 $303,63 $709,74 $188.961,68 40 $304,76 $708,61 $188.656,92 41 $305,91 $707,46 $188.351,01 42 $307,05 $706,32 $188.043,96 43 $308,21 $705,16 $187.735,75 44 $309,36 $704,01 $187.426,39 45 $310,52 $702,85 $187.115,87 46 $311,69 $701,68 $186.804,18 47 $312,85 $700,52 $186.491,33 48 $314,03 $699,34 $186.177,30
Year 5
49 $315,21 $698,16 $185.862,09 50 $316,39 $696,98 $185.545,71 51 $317,57 $695,80 $185.228,13 52 $318,77 $694,61 $184.909,37 53 $319,96 $693,41 $184.589,41 54 $321,16 $692,21 $184.268,25 55 $322,36 $691,01 $183.945,88 56 $323,57 $689,80 $183.622,31 57 $324,79 $688,58 $183.297,52 58 $326,00 $687,37 $182.971,52 59 $327,23 $686,14 $182.644,29 60 $328,45 $684,92 $182.315,83
Year 6
61 $329,69 $683,68 $181.986,15 62 $330,92 $682,45 $181.655,23 63 $332,16 $681,21 $181.323,06 64 $333,41 $679,96 $180.989,65 65 $334,66 $678,71 $180.654,99 66 $335,91 $677,46 $180.319,08 67 $337,17 $676,20 $179.981,90 68 $338,44 $674,93 $179.643,47 69 $339,71 $673,66 $179.303,76 70 $340,98 $672,39 $178.962,78 71 $342,26 $671,11 $178.620,52 72 $343,54 $669,83 $178.276,97
Year 7
73 $344,83 $668,54 $177.932,14 74 $346,13 $667,25 $177.586,02 75 $347,42 $665,95 $177.238,59 76 $348,73 $664,64 $176.889,87 77 $350,03 $663,34 $176.539,83 78 $351,35 $662,02 $176.188,49 79 $352,66 $660,71 $175.835,82 80 $353,99 $659,38 $175.481,84 81 $355,31 $658,06 $175.126,52 82 $356,65 $656,72 $174.769,88 83 $357,98 $655,39 $174.411,89 84 $359,33 $654,04 $174.052,57
Year 8
85 $360,67 $652,70 $173.691,89 86 $362,03 $651,34 $173.329,87 87 $363,38 $649,99 $172.966,48 88 $364,75 $648,62 $172.601,74 89 $366,11 $647,26 $172.235,62 90 $367,49 $645,88 $171.868,14 91 $368,87 $644,51 $171.499,27 92 $370,25 $643,12 $171.129,02 93 $371,64 $641,73 $170.757,39 94 $373,03 $640,34 $170.384,36 95 $374,43 $638,94 $170.009,93 96 $375,83 $637,54 $169.634,09
Year 9
97 $377,24 $636,13 $169.256,85 98 $378,66 $634,71 $168.878,19 99 $380,08 $633,29 $168.498,12 100 $381,50 $631,87 $168.116,61 101 $382,93 $630,44 $167.733,68 102 $384,37 $629,00 $167.349,31 103 $385,81 $627,56 $166.963,50 104 $387,26 $626,11 $166.576,24 105 $388,71 $624,66 $166.187,53 106 $390,17 $623,20 $165.797,37 107 $391,63 $621,74 $165.405,74 108 $393,10 $620,27 $165.012,64
Year 10
109 $394,57 $618,80 $164.618,06 110 $396,05 $617,32 $164.222,01 111 $397,54 $615,83 $163.824,47 112 $399,03 $614,34 $163.425,44 113 $400,53 $612,85 $163.024,92 114 $402,03 $611,34 $162.622,89 115 $403,53 $609,84 $162.219,36 116 $405,05 $608,32 $161.814,31 117 $406,57 $606,80 $161.407,74 118 $408,09 $605,28 $160.999,65 119 $409,62 $603,75 $160.590,03 120 $411,16 $602,21 $160.178,87
Year 11
121 $412,70 $600,67 $159.766,17 122 $414,25 $599,12 $159.351,92 123 $415,80 $597,57 $158.936,12 124 $417,36 $596,01 $158.518,76 125 $418,93 $594,45 $158.099,84 126 $420,50 $592,87 $157.679,34 127 $422,07 $591,30 $157.257,27 128 $423,66 $589,71 $156.833,61 129 $425,24 $588,13 $156.408,37 130 $426,84 $586,53 $155.981,53 131 $428,44 $584,93 $155.553,09 132 $430,05 $583,32 $155.123,04
Year 12
133 $431,66 $581,71 $154.691,38 134 $433,28 $580,09 $154.258,10 135 $434,90 $578,47 $153.823,20 136 $436,53 $576,84 $153.386,67 137 $438,17 $575,20 $152.948,50 138 $439,81 $573,56 $152.508,68 139 $441,46 $571,91 $152.067,22 140 $443,12 $570,25 $151.624,10 141 $444,78 $568,59 $151.179,32 142 $446,45 $566,92 $150.732,87 143 $448,12 $565,25 $150.284,75 144 $449,80 $563,57 $149.834,95
Year 13
145 $451,49 $561,88 $149.383,46 146 $453,18 $560,19 $148.930,28 147 $454,88 $558,49 $148.475,39 148 $456,59 $556,78 $148.018,81 149 $458,30 $555,07 $147.560,51 150 $460,02 $553,35 $147.100,49 151 $461,74 $551,63 $146.638,74 152 $463,48 $549,90 $146.175,27 153 $465,21 $548,16 $145.710,05 154 $466,96 $546,41 $145.243,10 155 $468,71 $544,66 $144.774,39 156 $470,47 $542,90 $144.303,92
Year 14
157 $472,23 $541,14 $143.831,69 158 $474,00 $539,37 $143.357,69 159 $475,78 $537,59 $142.881,91 160 $477,56 $535,81 $142.404,34 161 $479,35 $534,02 $141.924,99 162 $481,15 $532,22 $141.443,84 163 $482,96 $530,41 $140.960,88 164 $484,77 $528,60 $140.476,12 165 $486,59 $526,79 $139.989,53 166 $488,41 $524,96 $139.501,12 167 $490,24 $523,13 $139.010,88 168 $492,08 $521,29 $138.518,80
Year 15
169 $493,93 $519,45 $138.024,87 170 $495,78 $517,59 $137.529,10 171 $497,64 $515,73 $137.031,46 172 $499,50 $513,87 $136.531,96 173 $501,38 $511,99 $136.030,58 174 $503,26 $510,11 $135.527,33 175 $505,14 $508,23 $135.022,18 176 $507,04 $506,33 $134.515,14 177 $508,94 $504,43 $134.006,21 178 $510,85 $502,52 $133.495,36 179 $512,76 $500,61 $132.982,60 180 $514,69 $498,68 $132.467,91
Year 16
181 $516,62 $496,75 $131.951,29 182 $518,55 $494,82 $131.432,74 183 $520,50 $492,87 $130.912,24 184 $522,45 $490,92 $130.389,79 185 $524,41 $488,96 $129.865,38 186 $526,38 $487,00 $129.339,01 187 $528,35 $485,02 $128.810,66 188 $530,33 $483,04 $128.280,33 189 $532,32 $481,05 $127.748,01 190 $534,32 $479,06 $127.213,69 191 $536,32 $477,05 $126.677,37 192 $538,33 $475,04 $126.139,04
Year 17
193 $540,35 $473,02 $125.598,69 194 $542,38 $471,00 $125.056,32 195 $544,41 $468,96 $124.511,91 196 $546,45 $466,92 $123.965,46 197 $548,50 $464,87 $123.416,96 198 $550,56 $462,81 $122.866,40 199 $552,62 $460,75 $122.313,78 200 $554,69 $458,68 $121.759,09 201 $556,77 $456,60 $121.202,31 202 $558,86 $454,51 $120.643,45 203 $560,96 $452,41 $120.082,49 204 $563,06 $450,31 $119.519,43
Year 18
205 $565,17 $448,20 $118.954,26 206 $567,29 $446,08 $118.386,97 207 $569,42 $443,95 $117.817,55 208 $571,55 $441,82 $117.245,99 209 $573,70 $439,67 $116.672,29 210 $575,85 $437,52 $116.096,44 211 $578,01 $435,36 $115.518,44 212 $580,18 $433,19 $114.938,26 213 $582,35 $431,02 $114.355,91 214 $584,54 $428,83 $113.771,37 215 $586,73 $426,64 $113.184,64 216 $588,93 $424,44 $112.595,71
Year 19
217 $591,14 $422,23 $112.004,58 218 $593,35 $420,02 $111.411,22 219 $595,58 $417,79 $110.815,65 220 $597,81 $415,56 $110.217,83 221 $600,05 $413,32 $109.617,78 222 $602,30 $411,07 $109.015,48 223 $604,56 $408,81 $108.410,91 224 $606,83 $406,54 $107.804,08 225 $609,11 $404,27 $107.194,98 226 $611,39 $401,98 $106.583,59 227 $613,68 $399,69 $105.969,91 228 $615,98 $397,39 $105.353,92
Year 20
229 $618,29 $395,08 $104.735,63 230 $620,61 $392,76 $104.115,02 231 $622,94 $390,43 $103.492,08 232 $625,28 $388,10 $102.866,80 233 $627,62 $385,75 $102.239,18 234 $629,97 $383,40 $101.609,21 235 $632,34 $381,03 $100.976,87 236 $634,71 $378,66 $100.342,17 237 $637,09 $376,28 $99.705,08 238 $639,48 $373,89 $99.065,60 239 $641,87 $371,50 $98.423,73 240 $644,28 $369,09 $97.779,45
Year 21
241 $646,70 $366,67 $97.132,75 242 $649,12 $364,25 $96.483,63 243 $651,56 $361,81 $95.832,07 244 $654,00 $359,37 $95.178,07 245 $656,45 $356,92 $94.521,62 246 $658,91 $354,46 $93.862,70 247 $661,39 $351,99 $93.201,32 248 $663,87 $349,50 $92.537,45 249 $666,36 $347,02 $91.871,09 250 $668,85 $344,52 $91.202,24 251 $671,36 $342,01 $90.530,88 252 $673,88 $339,49 $89.857,00
Year 22
253 $676,41 $336,96 $89.180,59 254 $678,94 $334,43 $88.501,65 255 $681,49 $331,88 $87.820,16 256 $684,05 $329,33 $87.136,11 257 $686,61 $326,76 $86.449,50 258 $689,18 $324,19 $85.760,32 259 $691,77 $321,60 $85.068,55 260 $694,36 $319,01 $84.374,19 261 $696,97 $316,40 $83.677,22 262 $699,58 $313,79 $82.977,64 263 $702,20 $311,17 $82.275,43 264 $704,84 $308,53 $81.570,59
Year 23
265 $707,48 $305,89 $80.863,11 266 $710,13 $303,24 $80.152,98 267 $712,80 $300,57 $79.440,18 268 $715,47 $297,90 $78.724,71 269 $718,15 $295,22 $78.006,56 270 $720,85 $292,52 $77.285,71 271 $723,55 $289,82 $76.562,16 272 $726,26 $287,11 $75.835,90 273 $728,99 $284,38 $75.106,92 274 $731,72 $281,65 $74.375,20 275 $734,46 $278,91 $73.640,73 276 $737,22 $276,15 $72.903,52
Year 24
277 $739,98 $273,39 $72.163,53 278 $742,76 $270,61 $71.420,78 279 $745,54 $267,83 $70.675,23 280 $748,34 $265,03 $69.926,89 281 $751,14 $262,23 $69.175,75 282 $753,96 $259,41 $68.421,79 283 $756,79 $256,58 $67.665,00 284 $759,63 $253,74 $66.905,37 285 $762,48 $250,90 $66.142,90 286 $765,33 $248,04 $65.377,56 287 $768,20 $245,17 $64.609,36 288 $771,09 $242,29 $63.838,27
Year 25
289 $773,98 $239,39 $63.064,29 290 $776,88 $236,49 $62.287,41 291 $779,79 $233,58 $61.507,62 292 $782,72 $230,65 $60.724,91 293 $785,65 $227,72 $59.939,25 294 $788,60 $224,77 $59.150,65 295 $791,56 $221,81 $58.359,10 296 $794,52 $218,85 $57.564,57 297 $797,50 $215,87 $56.767,07 298 $800,49 $212,88 $55.966,58 299 $803,50 $209,87 $55.163,08 300 $806,51 $206,86 $54.356,57
Year 26
301 $809,53 $203,84 $53.547,04 302 $812,57 $200,80 $52.734,47 303 $815,62 $197,75 $51.918,85 304 $818,67 $194,70 $51.100,18 305 $821,74 $191,63 $50.278,43 306 $824,83 $188,54 $49.453,61 307 $827,92 $185,45 $48.625,69 308 $831,02 $182,35 $47.794,66 309 $834,14 $179,23 $46.960,52 310 $837,27 $176,10 $46.123,25 311 $840,41 $172,96 $45.282,85 312 $843,56 $169,81 $44.439,29
Year 27
313 $846,72 $166,65 $43.592,56 314 $849,90 $163,47 $42.742,66 315 $853,09 $160,28 $41.889,58 316 $856,28 $157,09 $41.033,29 317 $859,50 $153,87 $40.173,80 318 $862,72 $150,65 $39.311,08 319 $865,95 $147,42 $38.445,12 320 $869,20 $144,17 $37.575,92 321 $872,46 $140,91 $36.703,46 322 $875,73 $137,64 $35.827,73 323 $879,02 $134,35 $34.948,71 324 $882,31 $131,06 $34.066,40
Year 28
325 $885,62 $127,75 $33.180,78 326 $888,94 $124,43 $32.291,84 327 $892,28 $121,09 $31.399,56 328 $895,62 $117,75 $30.503,94 329 $898,98 $114,39 $29.604,96 330 $902,35 $111,02 $28.702,60 331 $905,74 $107,63 $27.796,87 332 $909,13 $104,24 $26.887,74 333 $912,54 $100,83 $25.975,19 334 $915,96 $97,41 $25.059,23 335 $919,40 $93,97 $24.139,83 336 $922,85 $90,52 $23.216,99
Year 29
337 $926,31 $87,06 $22.290,68 338 $929,78 $83,59 $21.360,90 339 $933,27 $80,10 $20.427,63 340 $936,77 $76,60 $19.490,86 341 $940,28 $73,09 $18.550,58 342 $943,81 $69,56 $17.606,78 343 $947,35 $66,03 $16.659,43 344 $950,90 $62,47 $15.708,54 345 $954,46 $58,91 $14.754,07 346 $958,04 $55,33 $13.796,03 347 $961,64 $51,74 $12.834,39 348 $965,24 $48,13 $11.869,15
Year 30
349 $968,86 $44,51 $10.900,29 350 $972,49 $40,88 $9.927,80 351 $976,14 $37,23 $8.951,65 352 $979,80 $33,57 $7.971,85 353 $983,48 $29,89 $6.988,38 354 $987,16 $26,21 $6.001,21 355 $990,87 $22,50 $5.010,35 356 $994,58 $18,79 $4.015,76 357 $998,31 $15,06 $3.017,45 358 $1.002,06 $11,32 $2.015,40 359 $1.005,81 $7,56 $1.009,58 360 $1.009,58 $3,79 $-0,00
Year 31

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Konut Kredisi Hesaplama Aracı Ne İşe Yarar?

Bu araç, bir konut kredisinin sabit aylık taksitini hesaplar ve kredi vadesi boyunca toplamda ne kadar ödeyeceğinizi gösterir. Standart eşit taksitli (anüite) kredi formülünü kullandığından, dünyadaki çoğu sabit faizli konut kredisine uygundur (rakamlar burada dolar cinsinden gösterilse de aynı matematik her para birimi için geçerlidir; Türk Lirası dahil). Üç bilgiyi girmeniz yeterli: araç anında aylık taksitinizi, toplam geri ödeme tutarını, toplam faizi ve ay ay tüm geri ödeme planını sunar.

Girilmesi Gereken Üç Bilgi

• Kredi Tutarı ($): peşinatınızı düştükten sonra bankadan çekeceğiniz anapara tutarı.
• Yıllık Faiz Oranı (%): nominal yıllık faiz oranınız. Araç bu oranı aylık faize çevirmek için 12'ye böler.
• Kredi Vadesi (yıl): krediyi kaç yılda geri ödeyeceğiniz. Bu süre, toplam taksit sayısını bulmak için 12 ile çarpılır.

Aylık ödemenizi belirleyen üç girdi: kredi tutarı, faiz oranı ve vade.

Kullanılan Formül

Aylık taksit, standart anüite (eşit taksit) formülüyle hesaplanır:

$$M = P \cdot \frac{i\,(1+i)^{n}}{(1+i)^{n}-1}$$

Burada P kredi tutarını, i aylık faiz oranını (yıllık oran ÷ 12 ÷ 100) ve n toplam taksit sayısını (yıl × 12) ifade eder. Araç her ay kalan bakiyeye faiz işletir, taksitin geri kalanını anaparadan düşer ve bakiyeyi azaltır; böylece gördüğünüz geri ödeme planı oluşur.

Reklam

Her aylık ödeme faiz ve anapara olarak ikiye ayrılır.

Örnek Hesaplama

Diyelim ki 30 yıl vadeyle, %6 yıllık faizle 300.000 $ kredi çektiniz. Aylık faiz oranı \(0{,}06 \div 12 = 0{,}005\) olur ve toplam \(30 \times 12 = 360\) taksit vardır. Bu değerleri formülde yerine koyduğumuzda aylık taksit yaklaşık 1.798,65 $ çıkar. 360 taksit boyunca bu tutar toplamda yaklaşık 647.515 $ eder; yani yaklaşık 347.515 $ faiz ödersiniz — bu da çektiğiniz kredinin kendisinden fazladır. İlk ayda faiz \(300{.}000 \$ \times 0{,}005 = 1{.}500 \$\) olduğundan, taksitin yalnızca yaklaşık 298,65 $'lık kısmı anaparaya gider; bakiye azaldıkça bu denge yavaş yavaş tersine döner.

Sıkça Sorulan Sorular

İlk taksitlerde neden bu kadar çok faiz ödeniyor? Faiz, kalan borç bakiyesi üzerinden işletilir ve bu bakiye başlangıçta en yüksek seviyededir. Anapara azaldıkça faiz payı düşer ve her taksidin daha büyük bir kısmı borcu kapatmaya gider.

Vergi, sigorta veya masraflar dahil mi? Hayır. Hesaplama yalnızca anapara ve faizi kapsar. Emlak vergisi, konut sigortası ve banka masrafları (dosya/ekspertiz ücretleri gibi) bunun üzerine eklenir.

Daha az faiz ödemek için ne yapabilirim? Daha kısa bir vade seçin, daha düşük bir faiz oranı bulun ya da ara ödemelerle anaparayı erken azaltın — her biri tablodaki toplam faizi düşürür.