{"id":106563,"date":"2024-12-11T10:53:17","date_gmt":"2024-12-11T10:53:17","guid":{"rendered":"https:\/\/gfssite.local\/bilesik-faiz-nasil-hesaplanir\/"},"modified":"2024-12-11T10:53:17","modified_gmt":"2024-12-11T10:53:17","slug":"bilesik-faiz-nasil-hesaplanir","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/tr\/bilesik-faiz-nasil-hesaplanir\/","title":{"rendered":"Bile\u015fik Faiz Nas\u0131l Hesaplan\u0131r"},"content":{"rendered":"

Bile\u015fik Faizin Hesaplanmas\u0131<\/span><\/h2>\n

“Bile\u015fik faiz” terimi, faizi y\u0131l sonunda (veya faiz \u00f6demesiyle ilgili olarak farkl\u0131 bir zamanda) fiilen \u00f6demedi\u011fimiz ger\u00e7e\u011fini ifade eder. Faiz, anaparaya eklenir ve bu andan itibaren faiz, g\u00fcncellenen anapara \u00fczerinden hesaplan\u0131r. <\/span><\/p>\n

Bu ayn\u0131 zamanda \u015fu \u015fekilde de tan\u0131mlanabilir: y\u0131l sonunda, anaparay\u0131 ve faizi iade ederiz ve hemen \u00f6dedi\u011fimiz tutara (anapara + faiz dahil) e\u015fit ba\u015fka bir kredi al\u0131r\u0131z.<\/span><\/p>\n

Bile\u015fik faiz s\u00f6z konusu oldu\u011funda, her zaman belirli bir nominal faiz oran\u0131 belirtiriz ve bunlar birlikte bile\u015fik faizin hesaplanmas\u0131nda temel olarak kullan\u0131l\u0131r.<\/span><\/p>\n

\u00d6rnek:<\/b><\/span><\/p>\n

Bill, %8 nominal faizle 10.000 dolarl\u0131k \u00fc\u00e7 y\u0131ll\u0131k bir kredi ald\u0131. Hem anapara hem de faiz d\u00f6nem sonunda \u00f6denecektir. Bill \u00fc\u00e7 y\u0131l\u0131n sonunda ne kadar paray\u0131 geri \u00f6deyecek? <\/span><\/p>\n<\/p>\n

\u00c7\u00f6z\u00fcm 12.597 dolar. Hesaplaman\u0131n a\u015famalar\u0131 a\u015fa\u011f\u0131daki tabloda g\u00f6sterilmi\u015ftir: <\/span> <\/span><\/p>\n\n\n\n\n\n\n
<\/td>\nY\u0131l ba\u015f\u0131nda g\u00fcncellenen anapara tutar\u0131<\/b><\/span><\/td>\nY\u0131l i\u00e7in faiz tutar\u0131<\/b><\/span><\/td>\nY\u0131l sonunda g\u00fcncellenen anapara tutar\u0131<\/b><\/span><\/td>\n<\/tr>\n
Y\u0131l 1<\/b><\/span><\/td>\n$10.000<\/span><\/td>\n$10.000 * %8 = $800<\/span><\/td>\n$800 + $10.000 = $10.800<\/span><\/td>\n<\/tr>\n
Y\u0131l 2<\/b><\/span><\/td>\n$10.800<\/span><\/td>\n$10.800 * %8 = $864<\/span><\/td>\n$864 + $10800 = $11.664<\/span><\/td>\n<\/tr>\n
Y\u0131l 3<\/b><\/span><\/td>\n$11,664<\/span><\/td>\n$11,664 * %8 = $933<\/span><\/td>\n$933 + $11,664 = $12,597<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

D\u00fczeltilmi\u015f Faiz<\/b><\/h2>\n

D\u00fczeltilmi\u015f faiz<\/b> , bor\u00e7 verenler taraf\u0131ndan geli\u015ftirilen “zor” hesaplama y\u00f6ntemlerinden biridir.
D\u00fczeltilmi\u015f faiz<\/b>, belirli bir nominal faiz oran\u0131na dayan\u0131r. \u00d6rne\u011fin, bir \u00f6rnek vererek a\u00e7\u0131klayaca\u011f\u0131m\u0131z “hilelerden” birini kullanarak %12’lik bir nominal faiz oran\u0131 hesaplayabiliriz. <\/span><\/p>\n

John, a\u015fa\u011f\u0131daki ko\u015fullar\u0131n eklendi\u011fi %12 nominal faizle 10.000 dolarl\u0131k bir kredi ald\u0131:<\/span><\/p>\n

Her \u00fc\u00e7 ay\u0131n sonunda (mali \u00e7eyrek), o d\u00f6nem i\u00e7in faiz tutar\u0131 hesaplanacakt\u0131r.<\/span><\/p>\n

\u00c7eyrek i\u00e7in faiz %3’t\u00fcr (%12 x <\/span>1<\/sup><\/span>\/<\/span>4<\/sub><\/span>).<\/span><\/p>\n

\u0130lk \u00e7eyrekten sonraki faiz miktar\u0131 300$’d\u0131r (10.000$’\u0131n %3’\u00fc).<\/span><\/p>\n

\u00c7eyrek ba\u015f\u0131na faiz miktar\u0131 fiilen \u00f6denmez. O andaki anaparaya eklenir. Anapara \u015fimdi 10.300 $ olarak g\u00fcncellendi. <\/span><\/p>\n

\u0130kinci \u00e7eyrekte, \u00e7eyrek i\u00e7in faiz miktar\u0131 yeniden hesaplan\u0131r ve \u015fimdi 309 ABD dolar\u0131d\u0131r (10.300’\u00fcn %3’\u00fc). \u0130kinci \u00e7eyre\u011fin sonunda anaparaya 309 $ eklenir ve g\u00fcncellenen anapara \u015fimdi 10,609 $’d\u0131r. Her \u00e7eyre\u011fin sonunda, o \u00e7eyrek boyunca biriken faiz tutar\u0131 anaparan\u0131n toplam\u0131na eklenir. <\/span><\/p>\n<\/p>\n

Anaparan\u0131n de\u011feri \u015fu \u015fekilde hesaplan\u0131r:<\/span> <\/span><\/p>\n\n\n\n\n
Q1’den \u00f6nce<\/span><\/td>\n1. \u00e7eyrek s\u0131ras\u0131nda<\/span><\/td>\nQ1’den sonra<\/span><\/td>\n2. \u00e7eyrek s\u0131ras\u0131nda<\/span><\/td>\n2. \u00c7eyrekten Sonra<\/span><\/td>\n3. \u00e7eyrek s\u0131ras\u0131nda<\/span><\/td>\n3. \u00c7eyrekten Sonra<\/span><\/td>\n4. \u00e7eyrek s\u0131ras\u0131nda<\/span><\/td>\n4. \u00e7eyrekten sonra<\/span><\/td>\n<\/tr>\n
10.000 Dolar<\/span><\/td>\n300 $ faiz<\/span><\/td>\n10.300 Dolar<\/span><\/td>\n309 $ faiz<\/span><\/td>\n10,609 Dolar<\/span><\/td>\n318 $ faiz<\/span><\/td>\n10,927 Dolar<\/span><\/td>\n328 $ faiz<\/span><\/td>\n11,255 Dolar<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/span><\/p>\n

D\u00fczeltilmi\u015f faizin bile\u015fik faiz<\/b> ile ayn\u0131 formata g\u00f6re hesapland\u0131\u011f\u0131 a\u00e7\u0131kt\u0131r. Ancak y\u0131lda bir kez yerine daha k\u0131sa s\u00fcreler i\u00e7in hesaplan\u0131r. \u00d6rne\u011fimizde, d\u00fczeltilmi\u015f faiz, \u00fc\u00e7 ayl\u0131k bazda bile\u015fik faiz olarak hesaplanm\u0131\u015ft\u0131r. Faiz miktar\u0131n\u0131 her ay hesaplam\u0131\u015f olsayd\u0131k, d\u00fczeltilmi\u015f faizin<\/b> ayl\u0131k olarak hesapland\u0131\u011f\u0131n\u0131 belirtmi\u015f olurduk. <\/span><\/p>\n

\u00d6rne\u011fimizde, faiz tutar\u0131 1.255 ABD dolar\u0131d\u0131r ve d\u00fczeltilmi\u015f faiz y\u00fczdesi %12.55’tir (=<\/span>1.255<\/sup><\/span>\/<\/span>10.000<\/sub><\/span>).<\/span><\/p>\n

D\u00fczeltilmi\u015f faiz, kredi i\u00e7in fiilen \u00f6dememiz gereken faizi ifade eder.<\/span><\/p>\n<\/p>\n

\u00d6rne\u011fin, bir y\u0131ll\u0131k bir kredi ald\u0131ysak ve banka kredi i\u00e7in d\u00fczeltilmi\u015f faizin (\u00fc\u00e7 ayda bir hesaplanan) %13 oldu\u011funu belirtiyorsa, bu, 11.300 ABD Dolar\u0131 (10.000 ABD Dolar\u0131 anapara ve 1.300 ABD Dolar\u0131 faiz) geri \u00f6dememiz gerekti\u011fi anlam\u0131na gelir.<\/span> <\/span><\/p>\n

 <\/span><\/p>\n

Kendin Yap Elektronik Tablosu<\/span><\/h3>\n

Compund faizini kendiniz hesaplaman\u0131za yard\u0131mc\u0131 olacak bir elektronik tablo indirmek i\u00e7in a\u015fa\u011f\u0131ya t\u0131klay\u0131n.<\/span><\/p>\n

[gfs_button url=”http:\/\/gfs-upload-media.s3.amazonaws.com\/DIY_Finance\/spreadsheets\/DIY_Compund_Interest.xlsx” target=”_self” existing_buttons=”gfs-main-download-button”]E-tabloyu indir[\/gfs_button]<\/span><\/p>\n

 <\/span><\/p>\n

Kendinizi test edin!<\/span><\/h3>\n

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