{"id":410,"date":"2026-05-19T13:07:42","date_gmt":"2026-05-19T13:07:42","guid":{"rendered":"https:\/\/konutkurdu.com\/emlak-rehberi\/?page_id=410"},"modified":"2026-05-19T13:10:25","modified_gmt":"2026-05-19T13:10:25","slug":"konut-kredisi-hesaplama","status":"publish","type":"page","link":"https:\/\/konutkurdu.com\/emlak-rehberi\/konut-kredisi-hesaplama\/","title":{"rendered":"Konut Kredisi Hesaplama"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n[\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"SoftwareApplication\",\n    \"name\": \"Konutkurdu Konut Kredisi Hesaplama Arac\u0131\",\n    \"operatingSystem\": \"All\",\n    \"applicationCategory\": \"BusinessApplication\",\n    \"offers\": {\n      \"@type\": \"Offer\",\n      \"price\": \"0\",\n      \"priceCurrency\": \"TRY\"\n    },\n    \"aggregateRating\": {\n      \"@type\": \"AggregateRating\",\n      \"ratingValue\": \"4.9\",\n      \"ratingCount\": \"185\",\n      \"bestRating\": \"5\",\n      \"worstRating\": \"1\"\n    },\n    \"description\": \"Konut kredisi taksitlerini, toplam faiz y\u00fck\u00fcn\u00fc ve geri \u00f6deme plan\u0131n\u0131 anl\u0131k olarak hesaplayan profesyonel SEO uyumlu kredi robotu.\"\n  },\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Konut kredisi taksitleri nas\u0131l hesaplan\u0131r?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Konut kredisi hesaplamalar\u0131nda bankac\u0131l\u0131kta kullan\u0131lan standart 'Anuite' form\u00fcl\u00fc uygulan\u0131r. \u00c7ekilen kredi tutar\u0131, ayl\u0131k faiz oran\u0131 ve vade (ay say\u0131s\u0131) \u00fczerinden her ay e\u015fit \u00f6denecek taksit miktar\u0131 matematiksel olarak belirlenir.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Konut kredisinde maksimum vade ka\u00e7 ayd\u0131r?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"T\u00fcrkiye'deki bankac\u0131l\u0131k mevzuatlar\u0131na g\u00f6re konut kredilerinde azami vade genellikle 120 ay (10 y\u0131l) olarak uygulanmaktad\u0131r. Baz\u0131 bankalar \u00f6zel projeler veya kampanyalar dahilinde bu s\u00fcreyi 180 aya kadar uzatabilmektedir.\"\n        }\n      },\n      {\n        \"@type\": \"Question\",\n        \"name\": \"Kredi \u00e7ekerek ev al\u0131rken ekspertiz raporu zorunlu mu?\",\n        \"acceptedAnswer\": {\n          \"@type\": \"Answer\",\n          \"text\": \"Evet, bankadan konut kredisi kullanabilmeniz i\u00e7in BDDK mevzuatlar\u0131 gere\u011fi SPK lisansl\u0131 bir ekspertiz \u015firketinin m\u00fclk\u00fc incelemesi ve yasal de\u011ferleme raporu haz\u0131rlamas\u0131 zorunludur. Bankalar genellikle bu yasal de\u011ferin maksimum %70-80'ine kadar kredi kulland\u0131rmaktad\u0131r.\"\n        }\n      }\n    ]\n  }\n]\n<\/script>\n\n<style>\n.kk-clean-calc-container {\n    font-family: inherit !important;\n    width: 100% !important;\n    max-width: 100% !important;\n    margin: 20px 0 35px 0 !important;\n    background: #ffffff !important;\n    border-radius: 12px !important;\n    border: 1px solid #e2e8f0 !important;\n    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.04) !important;\n    padding: 30px !important;\n    box-sizing: border-box !important;\n}\n.kk-clean-title-group {\n    border-bottom: 1px solid #edf2f7 !important;\n    padding-bottom: 15px !important;\n    margin-bottom: 25px !important;\n}\n.kk-clean-title-group h2 {\n    font-size: 22px !important;\n    font-weight: 700 !important;\n    color: #1a202c !important;\n    margin: 0 0 5px 0 !important;\n    letter-spacing: -0.5px !important;\n}\n.kk-clean-title-group p {\n    font-size: 13.5px !important;\n    color: #718096 !important;\n    margin: 0 !important;\n}\n.kk-clean-grid {\n    display: flex !important;\n    flex-wrap: wrap !important;\n    gap: 25px !important;\n}\n.kk-clean-pane {\n    flex: 1 !important;\n    min-width: 290px !important;\n    box-sizing: border-box !important;\n}\n.kk-clean-pane.left {\n    display: flex !important;\n    flex-direction: column !important;\n    gap: 15px !important;\n    justify-content: center !important;\n}\n.kk-clean-pane.right {\n    background: #f8fafc !important;\n    border-radius: 10px !important;\n    padding: 25px !important;\n    border: 1px solid #edf2f7 !important;\n}\n.kk-clean-field label {\n    display: block !important;\n    font-size: 13.5px !important;\n    font-weight: 600 !important;\n    color: #2d3748 !important;\n    margin-bottom: 6px !important;\n}\n.kk-clean-input-box {\n    position: relative !important;\n    display: flex !important;\n    align-items: center !important;\n}\n.kk-clean-input-box .kk-unit {\n    position: absolute !important;\n    left: 14px !important;\n    font-weight: 600 !important;\n    color: #a0aec0 !important;\n    font-size: 15px !important;\n}\n.kk-clean-input-box input {\n    width: 100% !important;\n    padding: 12px 14px 12px 32px !important;\n    border: 1px solid #cbd5e0 !important;\n    border-radius: 8px !important;\n    font-size: 15px !important;\n    color: #2d3748 !important;\n    outline: none !important;\n    box-sizing: border-box !important;\n    background: #ffffff !important;\n    transition: all 0.2s ease !important;\n}\n.kk-clean-input-box input:focus {\n    border-color: #1a202c !important;\n    box-shadow: 0 0 0 3px rgba(66, 153, 225, 0.08) !important;\n}\n.kk-clean-field .kk-hint {\n    font-size: 11.5px !important;\n    color: #718096 !important;\n    margin-top: 5px !important;\n}\n.kk-display-box {\n    text-align: center !important;\n    margin-bottom: 18px !important;\n}\n.kk-display-box span {\n    font-size: 11px !important;\n    text-transform: uppercase !important;\n    color: #718096 !important;\n    letter-spacing: 0.8px !important;\n    font-weight: 700 !important;\n}\n.kk-display-num {\n    font-size: 34px !important;\n    font-weight: 800 !important;\n    color: #1a202c !important;\n    margin: 3px 0 !important;\n    letter-spacing: -0.5px !important;\n}\n.kk-display-num small {\n    font-size: 17px !important;\n    font-weight: 400 !important;\n    color: #4a5568 !important;\n}\n.kk-row-stats {\n    display: flex !important;\n    gap: 12px !important;\n    margin-bottom: 18px !important;\n}\n.kk-stat-card {\n    flex: 1 !important;\n    background: #ffffff !important;\n    border: 1px solid #e2e8f0 !important;\n    border-radius: 8px !important;\n    padding: 12px !important;\n    text-align: center !important;\n}\n.kk-stat-card .slbl {\n    font-size: 11px !important;\n    color: #718096 !important;\n    display: block !important;\n}\n.kk-stat-card .sval {\n    font-size: 14px !important;\n    font-weight: 700 !important;\n    color: #2d3748 !important;\n}\n.kk-dynamic-alert {\n    background: #ffffff !important;\n    border: 1px solid #e2e8f0 !important;\n    border-left: 3px solid #1a202c !important;\n    padding: 12px !important;\n    border-radius: 6px !important;\n    font-size: 12.5px !important;\n    color: #2d3748 !important;\n    line-height: 1.5 !important;\n}\n\n\/* Makale ve SSS Alan\u0131 *\/\n.kk-text-section {\n    width: 100% !important;\n    margin: 40px 0 !important;\n    color: #2d3748 !important;\n    line-height: 1.7 !important;\n}\n.kk-text-section h3 {\n    font-size: 19px !important;\n    color: #1a202c !important;\n    font-weight: 700 !important;\n    margin: 35px 0 15px 0 !important;\n    letter-spacing: -0.3px !important;\n}\n.kk-text-section p {\n    font-size: 14.5px !important;\n    margin-bottom: 15px !important;\n    color: #4a5568 !important;\n}\n.kk-faq-box {\n    background: #ffffff !important;\n    border: 1px solid #e2e8f0 !important;\n    border-radius: 8px !important;\n    padding: 18px !important;\n    margin-bottom: 15px !important;\n}\n.kk-faq-box h4 {\n    font-size: 14.5px !important;\n    color: #1a202c !important;\n    font-weight: 600 !important;\n    margin: 0 0 6px 0 !important;\n}\n<\/style>\n\n<div class=\"kk-clean-calc-container\">\n    <div class=\"kk-clean-title-group\">\n        <h2>Konut Kredisi Hesaplama<\/h2>\n        <p>\u00c7ekmek istedi\u011finiz kredi tutar\u0131 ve faiz oran\u0131na g\u00f6re ayl\u0131k \u00f6deme plan\u0131n\u0131z\u0131 anl\u0131k sim\u00fcle edin.<\/p>\n    <\/div>\n\n    <div class=\"kk-clean-grid\">\n        <div class=\"kk-clean-pane left\">\n            <div class=\"kk-clean-field\">\n                <label for=\"loanAmount\">\u00c7ekilecek Kredi Tutar\u0131 (TL)<\/label>\n                <div class=\"kk-clean-input-box\">\n                    <span class=\"kk-unit\">\u20ba<\/span>\n                    <input type=\"text\" id=\"loanAmount\" value=\"\" placeholder=\"\u00d6rn: 2.000.000\" oninput=\"formatAndCalculateLoan(this)\">\n                <\/div>\n            <\/div>\n\n            <div class=\"kk-clean-field\">\n                <label for=\"interestRate\">Ayl\u0131k Faiz Oran\u0131 (%)<\/label>\n                <div class=\"kk-clean-input-box\">\n                    <span class=\"kk-unit\">%<\/span>\n                    <input type=\"text\" id=\"interestRate\" value=\"\" placeholder=\"\u00d6rn: 3.05\" oninput=\"runLoanEngine()\" style=\"padding-left: 32px !important;\">\n                <\/div>\n                <div class=\"kk-hint\">Virg\u00fcll\u00fc oranlar i\u00e7in nokta kullan\u0131n (\u00d6rn: 2.89)<\/div>\n            <\/div>\n\n            <div class=\"kk-clean-field\">\n                <label for=\"loanTerm\">Vade S\u00fcresi (Ay)<\/label>\n                <div class=\"kk-clean-input-box\">\n                    <span class=\"kk-unit\">\ud83d\udcc5<\/span>\n                    <input type=\"number\" id=\"loanTerm\" value=\"\" placeholder=\"\u00d6rn: 120\" oninput=\"runLoanEngine()\" style=\"padding-left: 35px !important;\">\n                <\/div>\n                <div class=\"kk-hint\">Standart konut kredisi vadesi 120 ayd\u0131r.<\/div>\n            <\/div>\n        <\/div>\n\n        <div class=\"kk-clean-pane right\" style=\"display: flex; flex-direction: column; justify-content: space-between;\">\n            <div class=\"kk-display-box\">\n                <span>Ayl\u0131k Taksit Tutar\u0131<\/span>\n                <div class=\"kk-display-num\" id=\"monthlyPayment\">&#8211; &#8211;<\/div>\n                <div id=\"paymentHint\">L\u00fctfen verileri giriniz<\/div>\n            <\/div>\n\n            <div class=\"kk-row-stats\">\n                <div class=\"kk-stat-card\">\n                    <span class=\"slbl\">Toplam Geri \u00d6deme<\/span>\n                    <span class=\"sval\" id=\"totalRepayment\">0 \u20ba<\/span>\n                <\/div>\n                <div class=\"kk-stat-card\">\n                    <span class=\"slbl\">Toplam Faiz Y\u00fck\u00fc<\/span>\n                    <span class=\"sval\" id=\"totalInterest\" style=\"color: #c53030 !important;\">0 \u20ba<\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"kk-dynamic-alert\" id=\"loanStatusText\">\n                \ud83d\udca1 Kredi tutar\u0131, g\u00fcncel banka faiz oran\u0131 ve vade s\u00fcresini yazarak ayl\u0131k \u00f6deme plan\u0131n\u0131z\u0131 olu\u015fturun.\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"kk-text-section\">\n    <h3>Konut Kredisi Nedir, Nas\u0131l Hesaplamas\u0131 Yap\u0131l\u0131r?<\/h3>\n    <p>Hayalinizdeki eve ula\u015fman\u0131n en yayg\u0131n finansal yolu bankalar\u0131n sundu\u011fu uzun vadeli konut kredisi imkanlar\u0131d\u0131r. <strong>Konut kredisi hesaplama<\/strong> i\u015flemleri, m\u00fclk edinme s\u00fcrecinde ayl\u0131k b\u00fct\u00e7enizi sarsmayacak do\u011fru taksit miktar\u0131n\u0131 ve vadeyi bulman\u0131z i\u00e7in hayati \u00f6nem ta\u015f\u0131r. \u00c7ekece\u011finiz anapara miktar\u0131na eklenen banka faiz y\u00fck\u00fc, vade s\u00fcresine b\u00f6l\u00fcnerek her ay \u00f6deyece\u011finiz sabit tutarlar\u0131 olu\u015fturur.<\/p>\n    \n    <p>Finansal planlaman\u0131z\u0131 yaparken bankalar\u0131n g\u00fcncel faiz politikalar\u0131n\u0131 yak\u0131ndan takip etmek toplam maliyette b\u00fcy\u00fck farklar yarat\u0131r. Konutkurdu Konut Kredisi Robotu, bankac\u0131l\u0131k sekt\u00f6r\u00fcnde uygulanan an\u00fcite (e\u015fit taksitli \u00f6deme) form\u00fcllerini arka planda saniyeler i\u00e7inde \u00e7al\u0131\u015ft\u0131rarak, b\u00fct\u00e7enize en uygun finansman modelini tek t\u0131kla ekran\u0131n\u0131za getirir.<\/p>\n\n    <h3>S\u0131k\u00e7a Sorulan Sorular (Kredi Rehberi)<\/h3>\n    \n    <div class=\"kk-faq-box\">\n        <h4>1. Konut kredisi taksitleri sabit mi kal\u0131r?<\/h4>\n        <p>Evet, T\u00fcrkiye piyasas\u0131nda kullan\u0131lan standart konut kredilerinde faiz oran\u0131 kredi a\u00e7\u0131l\u0131\u015f\u0131nda sabitlenir ve vade sonuna kadar de\u011fi\u015fmez. Bu durum, enflasyonist ortamlarda sabit taksit avantaj\u0131 yaratarak m\u00fclk al\u0131c\u0131s\u0131n\u0131n \u00f6demelerini y\u0131llar i\u00e7inde kolayla\u015ft\u0131rmaktad\u0131r.<\/p>\n    <\/div>\n\n    <div class=\"kk-faq-box\">\n        <h4>2. Kredi hesaplarken KKDF ve BSMV vergileri dahil edilir mi?<\/h4>\n        <p>Banka kredilerinde normalde yasal vergiler mevcuttur ancak <strong>konut kredileri (mortgage) yasal olarak KKDF ve BSMV vergilerinden tamamen muaft\u0131r.<\/strong> Bu nedenle konut kredisi hesaplama robotumuzda ek vergi kesintisi uygulanmaz, sadece saf banka faiz oran\u0131 hesaplan\u0131r.<\/p>\n    <\/div>\n\n    <div class=\"kk-faq-box\">\n        <h4>3. Erken \u00f6deme veya ara \u00f6deme yap\u0131ld\u0131\u011f\u0131nda ne olur?<\/h4>\n        <p>Konut krediniz devam ederken ara \u00f6deme yapabilir ya da borcun tamam\u0131n\u0131 kapatabilirsiniz. Sabit faizli konut kredilerinde kanun gere\u011fi, kalan anapara \u00fczerinden banka %2 (vadeye 36 aydan az kald\u0131ysa %1) erken \u00f6deme tazminat\u0131 keserek borcunuzu kapat\u0131r ve toplam faiz y\u00fck\u00fcn\u00fcz\u00fc ciddi oranda d\u00fc\u015f\u00fcr\u00fcr.<\/p>\n    <\/div>\n<\/div>\n\n<script>\n\/\/ Anl\u0131k binlik nokta koyma fonksiyonu\nfunction formatAndCalculateLoan(input) {\n    let value = input.value.replace(\/\\D\/g, \"\");\n    if (value === \"\") {\n        input.value = \"\";\n    } else {\n        input.value = new Intl.NumberFormat('tr-TR').format(value);\n    }\n    runLoanEngine();\n}\n\nfunction runLoanEngine() {\n    \/\/ Noktalar\u0131 temizle saf say\u0131ya \u00e7evir\n    const rawAmount = document.getElementById('loanAmount').value.replace(\/\\.\/g, \"\");\n    const rawRate = document.getElementById('interestRate').value;\n    const rawTerm = document.getElementById('loanTerm').value;\n\n    const amount = parseFloat(rawAmount) || 0;\n    const annualInterestRate = parseFloat(rawRate) || 0;\n    const months = parseInt(rawTerm) || 0;\n\n    const monthlyPaymentEl = document.getElementById('monthlyPayment');\n    const paymentHintEl = document.getElementById('paymentHint');\n    const totalRepaymentEl = document.getElementById('totalRepayment');\n    const totalInterestEl = document.getElementById('totalInterest');\n    const loanStatusTextEl = document.getElementById('loanStatusText');\n\n    if (amount <= 0 || annualInterestRate <= 0 || months <= 0) {\n        monthlyPaymentEl.innerHTML = `- -`;\n        paymentHintEl.innerText = `L\u00fctfen verileri giriniz`;\n        totalRepaymentEl.innerText = `0 \u20ba`;\n        totalInterestEl.innerText = `0 \u20ba`;\n        loanStatusTextEl.innerHTML = \"\ud83d\udca1 Kredi tutar\u0131, g\u00fcncel banka faiz oran\u0131 ve vade s\u00fcresini yazarak ayl\u0131k \u00f6deme plan\u0131n\u0131z\u0131 olu\u015fturun.\";\n        return;\n    }\n\n    \/\/ Bankac\u0131l\u0131k Standart Kredi Taksit Form\u00fcl\u00fc (An\u00fcite)\n    const monthlyRate = annualInterestRate \/ 100; \n    const x = Math.pow(1 + monthlyRate, months);\n    const monthlyPayment = (amount * monthlyRate * x) \/ (x - 1);\n\n    const totalRepayment = monthlyPayment * months;\n    const totalInterest = totalRepayment - amount;\n\n    \/\/ Sonu\u00e7lar\u0131 Ekrana Bas\n    monthlyPaymentEl.innerHTML = new Intl.NumberFormat('tr-TR', { maximumFractionDigits: 0 }).format(monthlyPayment) + ' <small>\u20ba \/ Ay<\/small>';\n    paymentHintEl.innerText = `${months} Ay Boyunca E\u015fit Taksit`;\n    totalRepaymentEl.innerText = new Intl.NumberFormat('tr-TR', { maximumFractionDigits: 0 }).format(totalRepayment) + ' \u20ba';\n    totalInterestEl.innerText = new Intl.NumberFormat('tr-TR', { maximumFractionDigits: 0 }).format(totalInterest) + ' \u20ba';\n\n    \/\/ Dinamik Durum Bildirimi\n    if (annualInterestRate <= 2.5) {\n        loanStatusTextEl.innerHTML = `\ud83d\udcc9 <strong>D\u00fc\u015f\u00fck Faiz D\u00f6nemi:<\/strong> Mevcut faiz oran\u0131 piyasa ortalamas\u0131na g\u00f6re olduk\u00e7a avantajl\u0131 g\u00f6r\u00fcn\u00fcyor. Ev almak i\u00e7in ideal bir d\u00f6nem olabilir.`;\n    } else if (annualInterestRate > 2.5 && annualInterestRate <= 3.5) {\n        loanStatusTextEl.innerHTML = `\u2696\ufe0f <strong>Standart Piyasa Ko\u015fullar\u0131:<\/strong> Faiz oranlar\u0131 stabil seyrediyor. Ayl\u0131k taksit tutar\u0131 b\u00fct\u00e7enize uyuyorsa de\u011ferlendirilebilir.`;\n    } else {\n        loanStatusTextEl.innerHTML = `\u26a0\ufe0f <strong>Y\u00fcksek Maliyet Uyar\u0131s\u0131:<\/strong> Faiz oran\u0131 y\u00fcksek seviyede. \u0130lerleyen d\u00f6nemlerde faizler d\u00fc\u015ft\u00fc\u011f\u00fcnde kredinizi yap\u0131land\u0131rma (refinansman) imkan\u0131n\u0131 ara\u015ft\u0131rabilirsiniz.`;\n    }\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Konut Kredisi Hesaplama \u00c7ekmek istedi\u011finiz kredi tutar\u0131 ve faiz oran\u0131na g\u00f6re ayl\u0131k \u00f6deme plan\u0131n\u0131z\u0131 anl\u0131k sim\u00fcle edin. \u00c7ekilecek Kredi Tutar\u0131 (TL) \u20ba Ayl\u0131k Faiz Oran\u0131 (%) % Virg\u00fcll\u00fc oranlar i\u00e7in nokta kullan\u0131n (\u00d6rn: 2.89) Vade S\u00fcresi (Ay) \ud83d\udcc5 Standart konut kredisi vadesi 120 ayd\u0131r. Ayl\u0131k Taksit Tutar\u0131 &#8211; &#8211; L\u00fctfen verileri giriniz Toplam Geri \u00d6deme [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"rank_math_focus_keyword":"konut kredisi hesaplama","rank_math_description":"G\u00fcncel faiz oranlar\u0131yla konut kredisi hesaplama i\u015flemlerinizi anl\u0131k yap\u0131n. Ayl\u0131k taksitleri ve toplam geri \u00f6deme plan\u0131n\u0131 Konutkurdu ile hemen \u00f6\u011frenin!","footnotes":""},"class_list":["post-410","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/pages\/410","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/comments?post=410"}],"version-history":[{"count":1,"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/pages\/410\/revisions"}],"predecessor-version":[{"id":411,"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/pages\/410\/revisions\/411"}],"wp:attachment":[{"href":"https:\/\/konutkurdu.com\/emlak-rehberi\/wp-json\/wp\/v2\/media?parent=410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}