Kredi Amortisman Tablosu Hesaplama Aracı

Hesaplamaya Girin

Kredi Tutarı ($)

Faiz Oranı (yıllık %)

Taksit Sayısı

Ödeme Sıklığı Günlük (yılda 365) Günlük (yılda 360) Haftalık İki Haftada Bir Ayda İki Kez Aylık İki Ayda Bir Üç Ayda Bir Altı Ayda Bir Yıllık

Formül

Show calculation steps (1)

1. Per-Period Split

   

   For each payment k, the interest portion is the prior balance times i; the rest reduces the principal and lowers the balance.

Sonuç

Taksit (dönem başına)

$1.455,32

her ödemede sabit tutar

Ödemeler Toplamı	$523.917,48
Ödenen Toplam Faiz	$248.917,48

#	Taksit	Faiz	Anapara	Kalan Bakiye
1	$1.455,32	$1.117,19	$338,13	$274.661,87
2	$1.455,32	$1.115,81	$339,51	$274.322,36
3	$1.455,32	$1.114,43	$340,89	$273.981,47
4	$1.455,32	$1.113,05	$342,27	$273.639,2
5	$1.455,32	$1.111,66	$343,66	$273.295,54
6	$1.455,32	$1.110,26	$345,06	$272.950,48
7	$1.455,32	$1.108,86	$346,46	$272.604,02
8	$1.455,32	$1.107,45	$347,87	$272.256,15
9	$1.455,32	$1.106,04	$349,28	$271.906,87
10	$1.455,32	$1.104,62	$350,7	$271.556,17
11	$1.455,32	$1.103,2	$352,12	$271.204,05
12	$1.455,32	$1.101,77	$353,55	$270.850,5
13	$1.455,32	$1.100,33	$354,99	$270.495,51
14	$1.455,32	$1.098,89	$356,43	$270.139,08
15	$1.455,32	$1.097,44	$357,88	$269.781,2
16	$1.455,32	$1.095,99	$359,33	$269.421,87
17	$1.455,32	$1.094,53	$360,79	$269.061,08
18	$1.455,32	$1.093,06	$362,26	$268.698,82
19	$1.455,32	$1.091,59	$363,73	$268.335,09
20	$1.455,32	$1.090,11	$365,21	$267.969,88
21	$1.455,32	$1.088,63	$366,69	$267.603,19
22	$1.455,32	$1.087,14	$368,18	$267.235,01
23	$1.455,32	$1.085,64	$369,68	$266.865,33
24	$1.455,32	$1.084,14	$371,18	$266.494,15
25	$1.455,32	$1.082,63	$372,69	$266.121,46
26	$1.455,32	$1.081,12	$374,2	$265.747,26
27	$1.455,32	$1.079,6	$375,72	$265.371,54
28	$1.455,32	$1.078,07	$377,25	$264.994,29
29	$1.455,32	$1.076,54	$378,78	$264.615,51
30	$1.455,32	$1.075	$380,32	$264.235,19
31	$1.455,32	$1.073,46	$381,86	$263.853,33
32	$1.455,32	$1.071,9	$383,42	$263.469,91
33	$1.455,32	$1.070,35	$384,97	$263.084,94
34	$1.455,32	$1.068,78	$386,54	$262.698,4
35	$1.455,32	$1.067,21	$388,11	$262.310,29
36	$1.455,32	$1.065,64	$389,68	$261.920,61
37	$1.455,32	$1.064,05	$391,27	$261.529,34
38	$1.455,32	$1.062,46	$392,86	$261.136,48
39	$1.455,32	$1.060,87	$394,45	$260.742,03
40	$1.455,32	$1.059,26	$396,06	$260.345,97
41	$1.455,32	$1.057,66	$397,66	$259.948,31
42	$1.455,32	$1.056,04	$399,28	$259.549,03
43	$1.455,32	$1.054,42	$400,9	$259.148,13
44	$1.455,32	$1.052,79	$402,53	$258.745,6
45	$1.455,32	$1.051,15	$404,17	$258.341,43
46	$1.455,32	$1.049,51	$405,81	$257.935,62
47	$1.455,32	$1.047,86	$407,46	$257.528,16
48	$1.455,32	$1.046,21	$409,11	$257.119,05
49	$1.455,32	$1.044,55	$410,77	$256.708,28
50	$1.455,32	$1.042,88	$412,44	$256.295,84
51	$1.455,32	$1.041,2	$414,12	$255.881,72
52	$1.455,32	$1.039,52	$415,8	$255.465,92
53	$1.455,32	$1.037,83	$417,49	$255.048,43
54	$1.455,32	$1.036,13	$419,19	$254.629,24
55	$1.455,32	$1.034,43	$420,89	$254.208,35
56	$1.455,32	$1.032,72	$422,6	$253.785,75
57	$1.455,32	$1.031	$424,32	$253.361,43
58	$1.455,32	$1.029,28	$426,04	$252.935,39
59	$1.455,32	$1.027,55	$427,77	$252.507,62
60	$1.455,32	$1.025,81	$429,51	$252.078,11
61	$1.455,32	$1.024,07	$431,25	$251.646,86
62	$1.455,32	$1.022,32	$433	$251.213,86
63	$1.455,32	$1.020,56	$434,76	$250.779,1
64	$1.455,32	$1.018,79	$436,53	$250.342,57
65	$1.455,32	$1.017,02	$438,3	$249.904,27
66	$1.455,32	$1.015,24	$440,08	$249.464,19
67	$1.455,32	$1.013,45	$441,87	$249.022,32
68	$1.455,32	$1.011,65	$443,67	$248.578,65
69	$1.455,32	$1.009,85	$445,47	$248.133,18
70	$1.455,32	$1.008,04	$447,28	$247.685,9
71	$1.455,32	$1.006,22	$449,1	$247.236,8
72	$1.455,32	$1.004,4	$450,92	$246.785,88
73	$1.455,32	$1.002,57	$452,75	$246.333,13
74	$1.455,32	$1.000,73	$454,59	$245.878,54
75	$1.455,32	$998,88	$456,44	$245.422,1
76	$1.455,32	$997,03	$458,29	$244.963,81
77	$1.455,32	$995,17	$460,15	$244.503,66
78	$1.455,32	$993,3	$462,02	$244.041,64
79	$1.455,32	$991,42	$463,9	$243.577,74
80	$1.455,32	$989,53	$465,79	$243.111,95
81	$1.455,32	$987,64	$467,68	$242.644,27
82	$1.455,32	$985,74	$469,58	$242.174,69
83	$1.455,32	$983,83	$471,49	$241.703,2
84	$1.455,32	$981,92	$473,4	$241.229,8
85	$1.455,32	$980	$475,32	$240.754,48
86	$1.455,32	$978,07	$477,25	$240.277,23
87	$1.455,32	$976,13	$479,19	$239.798,04
88	$1.455,32	$974,18	$481,14	$239.316,9
89	$1.455,32	$972,22	$483,1	$238.833,8
90	$1.455,32	$970,26	$485,06	$238.348,74
91	$1.455,32	$968,29	$487,03	$237.861,71
92	$1.455,32	$966,31	$489,01	$237.372,7
93	$1.455,32	$964,33	$490,99	$236.881,71
94	$1.455,32	$962,33	$492,99	$236.388,72
95	$1.455,32	$960,33	$494,99	$235.893,73
96	$1.455,32	$958,32	$497	$235.396,73
97	$1.455,32	$956,3	$499,02	$234.897,71
98	$1.455,32	$954,27	$501,05	$234.396,66
99	$1.455,32	$952,24	$503,08	$233.893,58
100	$1.455,32	$950,19	$505,13	$233.388,45
101	$1.455,32	$948,14	$507,18	$232.881,27
102	$1.455,32	$946,08	$509,24	$232.372,03
103	$1.455,32	$944,01	$511,31	$231.860,72
104	$1.455,32	$941,93	$513,39	$231.347,33
105	$1.455,32	$939,85	$515,47	$230.831,86
106	$1.455,32	$937,75	$517,57	$230.314,29
107	$1.455,32	$935,65	$519,67	$229.794,62
108	$1.455,32	$933,54	$521,78	$229.272,84
109	$1.455,32	$931,42	$523,9	$228.748,94
110	$1.455,32	$929,29	$526,03	$228.222,91
111	$1.455,32	$927,16	$528,16	$227.694,75
112	$1.455,32	$925,01	$530,31	$227.164,44
113	$1.455,32	$922,86	$532,46	$226.631,98
114	$1.455,32	$920,69	$534,63	$226.097,35
115	$1.455,32	$918,52	$536,8	$225.560,55
116	$1.455,32	$916,34	$538,98	$225.021,57
117	$1.455,32	$914,15	$541,17	$224.480,4
118	$1.455,32	$911,95	$543,37	$223.937,03
119	$1.455,32	$909,74	$545,58	$223.391,45
120	$1.455,32	$907,53	$547,79	$222.843,66
121	$1.455,32	$905,3	$550,02	$222.293,64
122	$1.455,32	$903,07	$552,25	$221.741,39
123	$1.455,32	$900,82	$554,5	$221.186,89
124	$1.455,32	$898,57	$556,75	$220.630,14
125	$1.455,32	$896,31	$559,01	$220.071,13
126	$1.455,32	$894,04	$561,28	$219.509,85
127	$1.455,32	$891,76	$563,56	$218.946,29
128	$1.455,32	$889,47	$565,85	$218.380,44
129	$1.455,32	$887,17	$568,15	$217.812,29
130	$1.455,32	$884,86	$570,46	$217.241,83
131	$1.455,32	$882,54	$572,78	$216.669,05
132	$1.455,32	$880,22	$575,1	$216.093,95
133	$1.455,32	$877,88	$577,44	$215.516,51
134	$1.455,32	$875,54	$579,78	$214.936,73
135	$1.455,32	$873,18	$582,14	$214.354,59
136	$1.455,32	$870,82	$584,5	$213.770,09
137	$1.455,32	$868,44	$586,88	$213.183,21
138	$1.455,32	$866,06	$589,26	$212.593,95
139	$1.455,32	$863,66	$591,66	$212.002,29
140	$1.455,32	$861,26	$594,06	$211.408,23
141	$1.455,32	$858,85	$596,47	$210.811,76
142	$1.455,32	$856,42	$598,9	$210.212,86
143	$1.455,32	$853,99	$601,33	$209.611,53
144	$1.455,32	$851,55	$603,77	$209.007,76
145	$1.455,32	$849,09	$606,23	$208.401,53
146	$1.455,32	$846,63	$608,69	$207.792,84
147	$1.455,32	$844,16	$611,16	$207.181,68
148	$1.455,32	$841,68	$613,64	$206.568,04
149	$1.455,32	$839,18	$616,14	$205.951,9
150	$1.455,32	$836,68	$618,64	$205.333,26
151	$1.455,32	$834,17	$621,15	$204.712,11
152	$1.455,32	$831,64	$623,68	$204.088,43
153	$1.455,32	$829,11	$626,21	$203.462,22
154	$1.455,32	$826,57	$628,75	$202.833,47
155	$1.455,32	$824,01	$631,31	$202.202,16
156	$1.455,32	$821,45	$633,87	$201.568,29
157	$1.455,32	$818,87	$636,45	$200.931,84
158	$1.455,32	$816,29	$639,03	$200.292,81
159	$1.455,32	$813,69	$641,63	$199.651,18
160	$1.455,32	$811,08	$644,24	$199.006,94
161	$1.455,32	$808,47	$646,85	$198.360,09
162	$1.455,32	$805,84	$649,48	$197.710,61
163	$1.455,32	$803,2	$652,12	$197.058,49
164	$1.455,32	$800,55	$654,77	$196.403,72
165	$1.455,32	$797,89	$657,43	$195.746,29
166	$1.455,32	$795,22	$660,1	$195.086,19
167	$1.455,32	$792,54	$662,78	$194.423,41
168	$1.455,32	$789,85	$665,47	$193.757,94
169	$1.455,32	$787,14	$668,18	$193.089,76
170	$1.455,32	$784,43	$670,89	$192.418,87
171	$1.455,32	$781,7	$673,62	$191.745,25
172	$1.455,32	$778,97	$676,35	$191.068,9
173	$1.455,32	$776,22	$679,1	$190.389,8
174	$1.455,32	$773,46	$681,86	$189.707,94
175	$1.455,32	$770,69	$684,63	$189.023,31
176	$1.455,32	$767,91	$687,41	$188.335,9
177	$1.455,32	$765,11	$690,21	$187.645,69
178	$1.455,32	$762,31	$693,01	$186.952,68
179	$1.455,32	$759,5	$695,82	$186.256,86
180	$1.455,32	$756,67	$698,65	$185.558,21
181	$1.455,32	$753,83	$701,49	$184.856,72
182	$1.455,32	$750,98	$704,34	$184.152,38
183	$1.455,32	$748,12	$707,2	$183.445,18
184	$1.455,32	$745,25	$710,07	$182.735,11
185	$1.455,32	$742,36	$712,96	$182.022,15
186	$1.455,32	$739,46	$715,86	$181.306,29
187	$1.455,32	$736,56	$718,76	$180.587,53
188	$1.455,32	$733,64	$721,68	$179.865,85
189	$1.455,32	$730,71	$724,61	$179.141,24
190	$1.455,32	$727,76	$727,56	$178.413,68
191	$1.455,32	$724,81	$730,51	$177.683,17
192	$1.455,32	$721,84	$733,48	$176.949,69
193	$1.455,32	$718,86	$736,46	$176.213,23
194	$1.455,32	$715,87	$739,45	$175.473,78
195	$1.455,32	$712,86	$742,46	$174.731,32
196	$1.455,32	$709,85	$745,47	$173.985,85
197	$1.455,32	$706,82	$748,5	$173.237,35
198	$1.455,32	$703,78	$751,54	$172.485,81
199	$1.455,32	$700,72	$754,6	$171.731,21
200	$1.455,32	$697,66	$757,66	$170.973,55
201	$1.455,32	$694,58	$760,74	$170.212,81
202	$1.455,32	$691,49	$763,83	$169.448,98
203	$1.455,32	$688,39	$766,93	$168.682,05
204	$1.455,32	$685,27	$770,05	$167.912
205	$1.455,32	$682,14	$773,18	$167.138,82
206	$1.455,32	$679	$776,32	$166.362,5
207	$1.455,32	$675,85	$779,47	$165.583,03
208	$1.455,32	$672,68	$782,64	$164.800,39
209	$1.455,32	$669,5	$785,82	$164.014,57
210	$1.455,32	$666,31	$789,01	$163.225,56
211	$1.455,32	$663,1	$792,22	$162.433,34
212	$1.455,32	$659,89	$795,43	$161.637,91
213	$1.455,32	$656,65	$798,67	$160.839,24
214	$1.455,32	$653,41	$801,91	$160.037,33
215	$1.455,32	$650,15	$805,17	$159.232,16
216	$1.455,32	$646,88	$808,44	$158.423,72
217	$1.455,32	$643,6	$811,72	$157.612
218	$1.455,32	$640,3	$815,02	$156.796,98
219	$1.455,32	$636,99	$818,33	$155.978,65
220	$1.455,32	$633,66	$821,66	$155.156,99
221	$1.455,32	$630,33	$824,99	$154.332
222	$1.455,32	$626,97	$828,35	$153.503,65
223	$1.455,32	$623,61	$831,71	$152.671,94
224	$1.455,32	$620,23	$835,09	$151.836,85
225	$1.455,32	$616,84	$838,48	$150.998,37
226	$1.455,32	$613,43	$841,89	$150.156,48
227	$1.455,32	$610,01	$845,31	$149.311,17
228	$1.455,32	$606,58	$848,74	$148.462,43
229	$1.455,32	$603,13	$852,19	$147.610,24
230	$1.455,32	$599,67	$855,65	$146.754,59
231	$1.455,32	$596,19	$859,13	$145.895,46
232	$1.455,32	$592,7	$862,62	$145.032,84
233	$1.455,32	$589,2	$866,12	$144.166,72
234	$1.455,32	$585,68	$869,64	$143.297,08
235	$1.455,32	$582,14	$873,18	$142.423,9
236	$1.455,32	$578,6	$876,72	$141.547,18
237	$1.455,32	$575,04	$880,28	$140.666,9
238	$1.455,32	$571,46	$883,86	$139.783,04
239	$1.455,32	$567,87	$887,45	$138.895,59
240	$1.455,32	$564,26	$891,06	$138.004,53
241	$1.455,32	$560,64	$894,68	$137.109,85
242	$1.455,32	$557,01	$898,31	$136.211,54
243	$1.455,32	$553,36	$901,96	$135.309,58
244	$1.455,32	$549,7	$905,62	$134.403,96
245	$1.455,32	$546,02	$909,3	$133.494,66
246	$1.455,32	$542,32	$913	$132.581,66
247	$1.455,32	$538,61	$916,71	$131.664,95
248	$1.455,32	$534,89	$920,43	$130.744,52
249	$1.455,32	$531,15	$924,17	$129.820,35
250	$1.455,32	$527,4	$927,92	$128.892,43
251	$1.455,32	$523,63	$931,69	$127.960,74
252	$1.455,32	$519,84	$935,48	$127.025,26
253	$1.455,32	$516,04	$939,28	$126.085,98
254	$1.455,32	$512,22	$943,1	$125.142,88
255	$1.455,32	$508,39	$946,93	$124.195,95
256	$1.455,32	$504,55	$950,77	$123.245,18
257	$1.455,32	$500,68	$954,64	$122.290,54
258	$1.455,32	$496,81	$958,51	$121.332,03
259	$1.455,32	$492,91	$962,41	$120.369,62
260	$1.455,32	$489	$966,32	$119.403,3
261	$1.455,32	$485,08	$970,24	$118.433,06
262	$1.455,32	$481,13	$974,19	$117.458,87
263	$1.455,32	$477,18	$978,14	$116.480,73
264	$1.455,32	$473,2	$982,12	$115.498,61
265	$1.455,32	$469,21	$986,11	$114.512,5
266	$1.455,32	$465,21	$990,11	$113.522,39
267	$1.455,32	$461,18	$994,14	$112.528,25
268	$1.455,32	$457,15	$998,17	$111.530,08
269	$1.455,32	$453,09	$1.002,23	$110.527,85
270	$1.455,32	$449,02	$1.006,3	$109.521,55
271	$1.455,32	$444,93	$1.010,39	$108.511,16
272	$1.455,32	$440,83	$1.014,49	$107.496,67
273	$1.455,32	$436,71	$1.018,61	$106.478,06
274	$1.455,32	$432,57	$1.022,75	$105.455,31
275	$1.455,32	$428,41	$1.026,91	$104.428,4
276	$1.455,32	$424,24	$1.031,08	$103.397,32
277	$1.455,32	$420,05	$1.035,27	$102.362,05
278	$1.455,32	$415,85	$1.039,47	$101.322,58
279	$1.455,32	$411,62	$1.043,7	$100.278,88
280	$1.455,32	$407,38	$1.047,94	$99.230,94
281	$1.455,32	$403,13	$1.052,19	$98.178,75
282	$1.455,32	$398,85	$1.056,47	$97.122,28
283	$1.455,32	$394,56	$1.060,76	$96.061,52
284	$1.455,32	$390,25	$1.065,07	$94.996,45
285	$1.455,32	$385,92	$1.069,4	$93.927,05
286	$1.455,32	$381,58	$1.073,74	$92.853,31
287	$1.455,32	$377,22	$1.078,1	$91.775,21
288	$1.455,32	$372,84	$1.082,48	$90.692,73
289	$1.455,32	$368,44	$1.086,88	$89.605,85
290	$1.455,32	$364,02	$1.091,3	$88.514,55
291	$1.455,32	$359,59	$1.095,73	$87.418,82
292	$1.455,32	$355,14	$1.100,18	$86.318,64
293	$1.455,32	$350,67	$1.104,65	$85.213,99
294	$1.455,32	$346,18	$1.109,14	$84.104,85
295	$1.455,32	$341,68	$1.113,64	$82.991,21
296	$1.455,32	$337,15	$1.118,17	$81.873,04
297	$1.455,32	$332,61	$1.122,71	$80.750,33
298	$1.455,32	$328,05	$1.127,27	$79.623,06
299	$1.455,32	$323,47	$1.131,85	$78.491,21
300	$1.455,32	$318,87	$1.136,45	$77.354,76
301	$1.455,32	$314,25	$1.141,07	$76.213,69
302	$1.455,32	$309,62	$1.145,7	$75.067,99
303	$1.455,32	$304,96	$1.150,36	$73.917,63
304	$1.455,32	$300,29	$1.155,03	$72.762,6
305	$1.455,32	$295,6	$1.159,72	$71.602,88
306	$1.455,32	$290,89	$1.164,43	$70.438,45
307	$1.455,32	$286,16	$1.169,16	$69.269,29
308	$1.455,32	$281,41	$1.173,91	$68.095,38
309	$1.455,32	$276,64	$1.178,68	$66.916,7
310	$1.455,32	$271,85	$1.183,47	$65.733,23
311	$1.455,32	$267,04	$1.188,28	$64.544,95
312	$1.455,32	$262,21	$1.193,11	$63.351,84
313	$1.455,32	$257,37	$1.197,95	$62.153,89
314	$1.455,32	$252,5	$1.202,82	$60.951,07
315	$1.455,32	$247,61	$1.207,71	$59.743,36
316	$1.455,32	$242,71	$1.212,61	$58.530,75
317	$1.455,32	$237,78	$1.217,54	$57.313,21
318	$1.455,32	$232,83	$1.222,49	$56.090,72
319	$1.455,32	$227,87	$1.227,45	$54.863,27
320	$1.455,32	$222,88	$1.232,44	$53.630,83
321	$1.455,32	$217,88	$1.237,44	$52.393,39
322	$1.455,32	$212,85	$1.242,47	$51.150,92
323	$1.455,32	$207,8	$1.247,52	$49.903,4
324	$1.455,32	$202,73	$1.252,59	$48.650,81
325	$1.455,32	$197,64	$1.257,68	$47.393,13
326	$1.455,32	$192,53	$1.262,79	$46.130,34
327	$1.455,32	$187,4	$1.267,92	$44.862,42
328	$1.455,32	$182,25	$1.273,07	$43.589,35
329	$1.455,32	$177,08	$1.278,24	$42.311,11
330	$1.455,32	$171,89	$1.283,43	$41.027,68
331	$1.455,32	$166,67	$1.288,65	$39.739,03
332	$1.455,32	$161,44	$1.293,88	$38.445,15
333	$1.455,32	$156,18	$1.299,14	$37.146,01
334	$1.455,32	$150,91	$1.304,41	$35.841,6
335	$1.455,32	$145,61	$1.309,71	$34.531,89
336	$1.455,32	$140,29	$1.315,03	$33.216,86
337	$1.455,32	$134,94	$1.320,38	$31.896,48
338	$1.455,32	$129,58	$1.325,74	$30.570,74
339	$1.455,32	$124,19	$1.331,13	$29.239,61
340	$1.455,32	$118,79	$1.336,53	$27.903,08
341	$1.455,32	$113,36	$1.341,96	$26.561,12
342	$1.455,32	$107,9	$1.347,42	$25.213,7
343	$1.455,32	$102,43	$1.352,89	$23.860,81
344	$1.455,32	$96,93	$1.358,39	$22.502,42
345	$1.455,32	$91,42	$1.363,9	$21.138,52
346	$1.455,32	$85,88	$1.369,44	$19.769,08
347	$1.455,32	$80,31	$1.375,01	$18.394,07
348	$1.455,32	$74,73	$1.380,59	$17.013,48
349	$1.455,32	$69,12	$1.386,2	$15.627,28
350	$1.455,32	$63,49	$1.391,83	$14.235,45
351	$1.455,32	$57,83	$1.397,49	$12.837,96
352	$1.455,32	$52,15	$1.403,17	$11.434,79
353	$1.455,32	$46,45	$1.408,87	$10.025,92
354	$1.455,32	$40,73	$1.414,59	$8.611,33
355	$1.455,32	$34,98	$1.420,34	$7.190,99
356	$1.455,32	$29,21	$1.426,11	$5.764,88
357	$1.455,32	$23,42	$1.431,9	$4.332,98
358	$1.455,32	$17,6	$1.437,72	$2.895,26
359	$1.455,32	$11,76	$1.443,56	$1.451,7
360	$1.457,6	$5,9	$1.451,7	$0

Kredi Amortisman Tablosu Nedir?

Kredi amortisman tablosu, eşit taksitlerle ödenen bir kredinin zaman içinde nasıl kapatıldığını adım adım gösteren ayrıntılı bir tablodur. Her taksitin tutarı aynıdır; fakat bu tutarın ne kadarının faize, ne kadarının anaparaya gittiği her ödemede değişir: ödemenin başlarında paranın büyük kısmı faize giderken, ilerleyen dönemlerde giderek daha fazlası anaparayı eritmeye başlar. Bu hesaplayıcı; konut kredisi (mortgage), taşıt kredisi, öğrenim kredisi ve sabit faizli ihtiyaç kredilerinin tümü için kullanılabilir.

Over the life of a loan, each fixed payment shifts from mostly interest to mostly principal as the balance falls.

Nasıl Kullanılır?

Kredi tutarını (anapara), yıllık nominal faiz oranını, kredinin ömrü boyunca yapılacak toplam taksit sayısını ve ödeme sıklığını girin. Ödeme sıklığı yalnızca bir yılda kaç dönem olduğunu belirler; bu da yıllık faizi dönemsel faize çevirmek için kullanılır. Araç bunun ardından sabit taksit tutarınızı, tüm ödemelerin toplamını, toplam faizi ve taksit taksit ayrıntılı bir tablo hesaplar.

Formülün Açıklaması

Dönemsel faiz oranı, yıllık oranın bir yıldaki dönem sayısına bölünmesiyle bulunur: \(i = (\text{yıllıkOran} / 100) / \text{dönemSayısı}\). Sabit taksit ise şu formülle hesaplanır:

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

Faiz oranı sıfırsa taksit, anaparanın taksit sayısına bölünmesinden ibarettir. Her dönemde faiz, o anki bakiyenin \(i\) ile çarpımına eşittir; anapara, taksitten bu faizin çıkarılmasıyla bulunur; bakiye de ödenen anapara kadar azalır:

$$\text{faiz}_k = B_{k-1}\cdot i,\quad \text{anapara}_k = A - \text{faiz}_k$$

Son taksit, bakiyenin tam olarak sıfıra inmesi için küçük bir miktar düzeltilir; böylece yuvarlamadan kaynaklanan farklar kapatılmış olur.

Reklam

The payment formula combines principal, the periodic interest rate, and the number of payments.

Örnek Hesaplama

275.000 $ tutarında, %4,875 faizli ve 360 taksitte aylık ödenen bir kredide dönemsel faiz oranı \(0{,}0040625\) olur. Sabit taksit yaklaşık 1.455,31 $’dır. Ödemelerin toplamı kabaca 523.911 $, toplam faiz ise yaklaşık 248.911 $’dır. İlk taksitin 1.117,19 $’ı faiz, 338,12 $’ı anaparadır; ödeme sonrası bakiye yaklaşık 274.661,88 $’a iner ve faizin payı her ay biraz daha azalır.

Sıkça Sorulan Sorular

Ödeme sıklığını değiştirmek taksit sayısını değiştirir mi? Hayır. Toplam taksit sayısını doğrudan siz girersiniz. Sıklık yalnızca faizin hangi sayıya bölüneceğini belirler.

Son taksitim neden biraz farklı çıkıyor? Her taksit kuruşa yuvarlandığı için küçük bir artık tutar kalabilir; bu nedenle bakiyenin tam sıfıra inmesi için son taksit düzeltilir.

Faiz oranı %0 ise ne olur? Taksit, kredi tutarının taksit sayısına bölünmesinden ibarettir ve toplam faiz sıfır olur.