{"id":106569,"date":"2024-12-11T10:53:21","date_gmt":"2024-12-11T10:53:21","guid":{"rendered":"https:\/\/gfssite.local\/kredi-odemeleri-nasil-hesaplanir\/"},"modified":"2024-12-11T10:53:21","modified_gmt":"2024-12-11T10:53:21","slug":"kredi-odemeleri-nasil-hesaplanir","status":"publish","type":"post","link":"https:\/\/globalfinanceschool.com\/tr\/kredi-odemeleri-nasil-hesaplanir\/","title":{"rendered":"Kredi \u00d6demeleri Nas\u0131l Hesaplan\u0131r"},"content":{"rendered":"

Kredi Takvimi<\/b><\/span><\/h2>\n

Kredi program\u0131, ald\u0131\u011f\u0131m\u0131z krediyi nas\u0131l geri \u00f6dememiz (temizlememiz) gerekti\u011fini a\u00e7\u0131klayan bir tablodur. Tablo, yapmam\u0131z gereken \u00f6demelerin say\u0131s\u0131n\u0131, bu \u00f6demelerin tarihlerini ve her tarihte \u00f6denecek tutar\u0131 listeler. Buna ek olarak, tabloda her bir \u00f6demenin ne kadar\u0131n\u0131n anaparan\u0131n geri \u00f6denmesi i\u00e7in oldu\u011fu ve ne kadar\u0131n\u0131n faiz \u00f6demesi i\u00e7in oldu\u011fu da belirtilmektedir. <\/span><\/p>\n

A\u015fa\u011f\u0131daki \u00f6rnekte, t\u00fcm \u00f6demelerin e\u015fit oldu\u011fu bir kredi plan\u0131 sunuyoruz.<\/span><\/p>\n

\u00d6rnek:<\/b><\/span><\/h5>\n

Y\u0131ll\u0131k %10 faizle 100.000 ABD Dolar\u0131 tutar\u0131nda bir banka kredisi ald\u0131k ve bu kredi her y\u0131l\u0131n sonunda be\u015f e\u015fit \u00f6demede geri \u00f6denecek. Banka memuru bizim i\u00e7in bir kredi program\u0131 hesaplar (tabloya bak\u0131n\u0131z). Her y\u0131l 26.380 dolar geri \u00f6dememiz gerekiyor (s\u00fctun 4). <\/span><\/p>\n\n\n\n\n\n\n\n\n\n
Y\u0131l<\/b><\/span><\/td>\nY\u0131l ba\u015f\u0131ndaki anapara miktar\u0131<\/b><\/span><\/td>\nY\u0131l i\u00e7in faiz tutar\u0131<\/b><\/span><\/td>\nY\u0131ll\u0131k \u00d6deme Tutar\u0131<\/b><\/span><\/td>\nFaiz Tutar\u0131<\/b><\/span><\/td>\nAnapara Tutar\u0131<\/b><\/span><\/td>\nY\u0131ll\u0131k \u00f6demeden sonra anapara tutar\u0131<\/b><\/span><\/td>\n<\/tr>\n
(1)<\/span><\/td>\n(2)<\/span><\/td>\n(3)<\/span><\/td>\n(4)<\/span><\/td>\n(5)<\/span><\/td>\n(6)<\/span><\/td>\n(7)<\/span><\/td>\n<\/tr>\n
1<\/span><\/td>\n100,000<\/span><\/td>\n10,000<\/span><\/td>\n26,380<\/span><\/td>\n10,000<\/span><\/td>\n16,380<\/span><\/td>\n83,620<\/span><\/td>\n<\/tr>\n
2<\/span><\/td>\n83,620<\/span><\/td>\n8,362<\/span><\/td>\n26,380<\/span><\/td>\n8,362<\/span><\/td>\n18,018<\/span><\/td>\n65,602<\/span><\/td>\n<\/tr>\n
3<\/span><\/td>\n65,602<\/span><\/td>\n6,560<\/span><\/td>\n26,380<\/span><\/td>\n6,560<\/span><\/td>\n19,820<\/span><\/td>\n45,782<\/span><\/td>\n<\/tr>\n
4<\/span><\/td>\n45,782<\/span><\/td>\n4,578<\/span><\/td>\n26,380<\/span><\/td>\n4,578<\/span><\/td>\n21,802<\/span><\/td>\n23,980<\/span><\/td>\n<\/tr>\n
5<\/span><\/td>\n23,980<\/span><\/td>\n2,398<\/span><\/td>\n26,380<\/span><\/td>\n2,398<\/span><\/td>\n23,982<\/span><\/td>\n-2<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0<\/b><\/span><\/p>\n

Kredi Takvimi Tablosu Nas\u0131l Okunur<\/b><\/span><\/h2>\n

\u0130lk sat\u0131ra bak\u0131n. Y\u0131l\u0131n ba\u015f\u0131nda, anapara 100.000 $ \u2018d\u0131r (s\u00fctun 2). \u00a0<\/span><\/p>\n

\u0130lk y\u0131l i\u00e7in faiz \u00f6demesi toplam 10.000 ABD Dolar\u0131d\u0131r (kalan anaparan\u0131n %10\u2019u) (s\u00fctun 3).\u00a0<\/span><\/p>\n

Y\u0131ll\u0131k \u00f6deme toplam 26.380 ABD Dolar\u0131d\u0131r (s\u00fctun 4), bunun 10.000 ABD Dolar\u0131 faiz i\u00e7indir (s\u00fctun 3 ve 5) ve kalan 16.380 ABD Dolar\u0131 (s\u00fctun 6) anaparan\u0131n geri \u00f6denmesi i\u00e7indir.<\/span><\/p>\n

16,380 $ \u2018l\u0131k \u00f6deme, ilk y\u0131l\u0131n sonunda anaparay\u0131 83,620 $\u2019 a d\u00fc\u015f\u00fcr\u00fcr.<\/span><\/p>\n

Y\u0131ll\u0131k \u00f6denen miktar 26,380 ABD Dolar\u0131d\u0131r (s\u00fctun 4).<\/span><\/p>\n

\u0130kinci s\u0131ran\u0131n a\u00e7\u0131klamas\u0131, y\u0131l\u0131n ba\u015f\u0131ndaki anapara bakiyesinin yaln\u0131zca 83.620 dolar olmas\u0131 ve anapara bakiyesi \u00fczerinden \u00f6denen y\u0131ll\u0131k faiz tutar\u0131n\u0131n yaln\u0131zca 8.362 dolar olmas\u0131 d\u0131\u015f\u0131nda, ilk sat\u0131rla ayn\u0131d\u0131r.<\/span><\/p>\n

\u00d6demelerin e\u015fit oldu\u011fu bir kredi plan\u0131na Amortisman Plan\u0131<\/b> denir. Amortisman \u00c7izelgeleri, ipotekler i\u00e7in yayg\u0131n olarak kullan\u0131lmaktad\u0131r. <\/span><\/p>\n

\u00a0<\/b><\/span><\/p>\n

Yorum:<\/b><\/span><\/h2>\n

1. Tablodaki mebla\u011flar tam Dolar\u2019a yuvarlan\u0131r ve bu nedenle be\u015finci y\u0131l\u0131n sonunda kalan tutar 2 $\u2019d\u0131r (banka bizden 2 $ daha tahsil etti). Toplamlar yuvarlanmasayd\u0131, denge tam olarak 0 olacakt\u0131. <\/span><\/p>\n\n

2. Bu makalede, banka memurunun Amortisman \u00c7izelgesindeki<\/b> y\u0131ll\u0131k \u00f6deme tutar\u0131n\u0131 nas\u0131l hesaplad\u0131\u011f\u0131n\u0131 \u00f6\u011frenmeyeceksiniz.\u00a0 Bununla birlikte,<\/span> <\/span>kredi ko\u015fullar\u0131na ba\u011fl\u0131 olarak, kredi program\u0131ndaki rakamlar\u0131 elde etti\u011fi bir kitap\u00e7\u0131k yazd\u0131\u011f\u0131n\u0131<\/span> not edece\u011fiz.<\/p>\n

\u00a0<\/span><\/p>\n

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

Kendi kredi \u00f6demelerinizi hesaplaman\u0131za olanak tan\u0131yan bir kredi amortisman tablosu elektronik tablosunu indirmek i\u00e7in a\u015fa\u011f\u0131ya t\u0131klay\u0131n.<\/span><\/p>\n

[gfs_button url=\u201dhttp:\/\/gfs-upload-media.s3.amazonaws.com\/DIY_Finance\/spreadsheets\/DIY_Loan_Amortization_Table.xlsx\u201d target=\u201d_self\u201d existing_buttons=\u201dgfs-main-download-button\u201d]E-tabloyu indir[\/gfs_button]<\/span><\/p>\n

\u00a0<\/span><\/p>\n

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