🏠 Konut Kredisi Hesaplama
Konutun fiyatı, peşinat, faiz oranı ve vadeyle başlayın. Ardından bankanın taksitle birlikte tahsil ettiği masrafları ekleyin ve her ay küçük bir ek ödeme yaparak kaç yıl ve ne kadar faiz kazandığınızı görün.
Kısa cevap: Aylık konut kredisi taksiti M = P × r(1+r)^n ÷ ((1+r)^n − 1) formülüyle bulunur; buna emlak vergisi, sigorta ve varsa PMI eklenir. Örnek: 320.000 dolarlık kredi %6,5 faizle 30 yıl vadede ayda yaklaşık 2.023 dolar anapara ve faiz ödemesi demektir.
Henüz değerlendirilmedi · Güncellendi · Ücretsiz · Üyelik gerekmez
Konut Kredisi Hesaplama – giriş alanları
Sonuç
Toplam aylık ödeme
$2.547,62
| Anapara ve faiz | $2.022,62 |
| Emlak vergisi | $400,00 |
| Konut sigortası | $125,00 |
- Kredi tutarı
- $320.000
- Peşinat
- $80.000
- Toplam faiz
- $408.141
- Borcun kapanma süresi
- 30 yıl
AnaparaFaiz
Geri ödeme planı
| Yıl | Anapara | Faiz | Kalan borç |
|---|---|---|---|
| 1 | $3.576,76 | $20.694,68 | $316.423,24 |
| 2 | $3.816,28 | $20.455,16 | $312.606,96 |
| 3 | $4.071,88 | $20.199,56 | $308.535,08 |
| 4 | $4.344,57 | $19.926,87 | $304.190,51 |
| 5 | $4.635,54 | $19.635,90 | $299.554,97 |
| 6 | $4.946,00 | $19.325,44 | $294.608,97 |
| 7 | $5.277,22 | $18.994,22 | $289.331,75 |
| 8 | $5.630,65 | $18.640,79 | $283.701,10 |
| 9 | $6.007,75 | $18.263,69 | $277.693,35 |
| 10 | $6.410,11 | $17.861,33 | $271.283,24 |
| 11 | $6.839,41 | $17.432,03 | $264.443,83 |
| 12 | $7.297,46 | $16.973,98 | $257.146,37 |
| 13 | $7.786,17 | $16.485,27 | $249.360,20 |
| 14 | $8.307,62 | $15.963,82 | $241.052,58 |
| 15 | $8.864,02 | $15.407,42 | $232.188,56 |
| 16 | $9.457,63 | $14.813,81 | $222.730,93 |
| 17 | $10.091,05 | $14.180,39 | $212.639,88 |
| 18 | $10.766,86 | $13.504,58 | $201.873,02 |
| 19 | $11.487,93 | $12.783,51 | $190.385,09 |
| 20 | $12.257,30 | $12.014,14 | $178.127,79 |
| 21 | $13.078,20 | $11.193,24 | $165.049,59 |
| 22 | $13.954,06 | $10.317,38 | $151.095,53 |
| 23 | $14.888,61 | $9.382,83 | $136.206,92 |
| 24 | $15.885,71 | $8.385,73 | $120.321,21 |
| 25 | $16.949,60 | $7.321,84 | $103.371,61 |
| 26 | $18.084,76 | $6.186,68 | $85.286,85 |
| 27 | $19.295,92 | $4.975,52 | $65.990,93 |
| 28 | $20.588,22 | $3.683,22 | $45.402,71 |
| 29 | $21.967,04 | $2.304,40 | $23.435,67 |
| 30 | $23.435,67 | $833,21 | $0,00 |
Aylık ödeme planını göster (360 taksit)
| # | Taksit | Anapara | Faiz | Kalan borç |
|---|---|---|---|---|
| 1 | $2.022,62 | $289,29 | $1.733,33 | $319.710,71 |
| 2 | $2.022,62 | $290,85 | $1.731,77 | $319.419,86 |
| 3 | $2.022,62 | $292,43 | $1.730,19 | $319.127,43 |
| 4 | $2.022,62 | $294,01 | $1.728,61 | $318.833,42 |
| 5 | $2.022,62 | $295,61 | $1.727,01 | $318.537,81 |
| 6 | $2.022,62 | $297,21 | $1.725,41 | $318.240,60 |
| 7 | $2.022,62 | $298,82 | $1.723,80 | $317.941,78 |
| 8 | $2.022,62 | $300,44 | $1.722,18 | $317.641,34 |
| 9 | $2.022,62 | $302,06 | $1.720,56 | $317.339,28 |
| 10 | $2.022,62 | $303,70 | $1.718,92 | $317.035,58 |
| 11 | $2.022,62 | $305,34 | $1.717,28 | $316.730,24 |
| 12 | $2.022,62 | $307,00 | $1.715,62 | $316.423,24 |
| 13 | $2.022,62 | $308,66 | $1.713,96 | $316.114,58 |
| 14 | $2.022,62 | $310,33 | $1.712,29 | $315.804,25 |
| 15 | $2.022,62 | $312,01 | $1.710,61 | $315.492,24 |
| 16 | $2.022,62 | $313,70 | $1.708,92 | $315.178,54 |
| 17 | $2.022,62 | $315,40 | $1.707,22 | $314.863,14 |
| 18 | $2.022,62 | $317,11 | $1.705,51 | $314.546,03 |
| 19 | $2.022,62 | $318,83 | $1.703,79 | $314.227,20 |
| 20 | $2.022,62 | $320,56 | $1.702,06 | $313.906,64 |
| 21 | $2.022,62 | $322,29 | $1.700,33 | $313.584,35 |
| 22 | $2.022,62 | $324,04 | $1.698,58 | $313.260,31 |
| 23 | $2.022,62 | $325,79 | $1.696,83 | $312.934,52 |
| 24 | $2.022,62 | $327,56 | $1.695,06 | $312.606,96 |
| 25 | $2.022,62 | $329,33 | $1.693,29 | $312.277,63 |
| 26 | $2.022,62 | $331,12 | $1.691,50 | $311.946,51 |
| 27 | $2.022,62 | $332,91 | $1.689,71 | $311.613,60 |
| 28 | $2.022,62 | $334,71 | $1.687,91 | $311.278,89 |
| 29 | $2.022,62 | $336,53 | $1.686,09 | $310.942,36 |
| 30 | $2.022,62 | $338,35 | $1.684,27 | $310.604,01 |
| 31 | $2.022,62 | $340,18 | $1.682,44 | $310.263,83 |
| 32 | $2.022,62 | $342,02 | $1.680,60 | $309.921,81 |
| 33 | $2.022,62 | $343,88 | $1.678,74 | $309.577,93 |
| 34 | $2.022,62 | $345,74 | $1.676,88 | $309.232,19 |
| 35 | $2.022,62 | $347,61 | $1.675,01 | $308.884,58 |
| 36 | $2.022,62 | $349,50 | $1.673,12 | $308.535,08 |
| 37 | $2.022,62 | $351,39 | $1.671,23 | $308.183,69 |
| 38 | $2.022,62 | $353,29 | $1.669,33 | $307.830,40 |
| 39 | $2.022,62 | $355,21 | $1.667,41 | $307.475,19 |
| 40 | $2.022,62 | $357,13 | $1.665,49 | $307.118,06 |
| 41 | $2.022,62 | $359,06 | $1.663,56 | $306.759,00 |
| 42 | $2.022,62 | $361,01 | $1.661,61 | $306.397,99 |
| 43 | $2.022,62 | $362,96 | $1.659,66 | $306.035,03 |
| 44 | $2.022,62 | $364,93 | $1.657,69 | $305.670,10 |
| 45 | $2.022,62 | $366,91 | $1.655,71 | $305.303,19 |
| 46 | $2.022,62 | $368,89 | $1.653,73 | $304.934,30 |
| 47 | $2.022,62 | $370,89 | $1.651,73 | $304.563,41 |
| 48 | $2.022,62 | $372,90 | $1.649,72 | $304.190,51 |
| 49 | $2.022,62 | $374,92 | $1.647,70 | $303.815,59 |
| 50 | $2.022,62 | $376,95 | $1.645,67 | $303.438,64 |
| 51 | $2.022,62 | $378,99 | $1.643,63 | $303.059,65 |
| 52 | $2.022,62 | $381,05 | $1.641,57 | $302.678,60 |
| 53 | $2.022,62 | $383,11 | $1.639,51 | $302.295,49 |
| 54 | $2.022,62 | $385,19 | $1.637,43 | $301.910,30 |
| 55 | $2.022,62 | $387,27 | $1.635,35 | $301.523,03 |
| 56 | $2.022,62 | $389,37 | $1.633,25 | $301.133,66 |
| 57 | $2.022,62 | $391,48 | $1.631,14 | $300.742,18 |
| 58 | $2.022,62 | $393,60 | $1.629,02 | $300.348,58 |
| 59 | $2.022,62 | $395,73 | $1.626,89 | $299.952,85 |
| 60 | $2.022,62 | $397,88 | $1.624,74 | $299.554,97 |
| 61 | $2.022,62 | $400,03 | $1.622,59 | $299.154,94 |
| 62 | $2.022,62 | $402,20 | $1.620,42 | $298.752,74 |
| 63 | $2.022,62 | $404,38 | $1.618,24 | $298.348,36 |
| 64 | $2.022,62 | $406,57 | $1.616,05 | $297.941,79 |
| 65 | $2.022,62 | $408,77 | $1.613,85 | $297.533,02 |
| 66 | $2.022,62 | $410,98 | $1.611,64 | $297.122,04 |
| 67 | $2.022,62 | $413,21 | $1.609,41 | $296.708,83 |
| 68 | $2.022,62 | $415,45 | $1.607,17 | $296.293,38 |
| 69 | $2.022,62 | $417,70 | $1.604,92 | $295.875,68 |
| 70 | $2.022,62 | $419,96 | $1.602,66 | $295.455,72 |
| 71 | $2.022,62 | $422,23 | $1.600,39 | $295.033,49 |
| 72 | $2.022,62 | $424,52 | $1.598,10 | $294.608,97 |
| 73 | $2.022,62 | $426,82 | $1.595,80 | $294.182,15 |
| 74 | $2.022,62 | $429,13 | $1.593,49 | $293.753,02 |
| 75 | $2.022,62 | $431,46 | $1.591,16 | $293.321,56 |
| 76 | $2.022,62 | $433,79 | $1.588,83 | $292.887,77 |
| 77 | $2.022,62 | $436,14 | $1.586,48 | $292.451,63 |
| 78 | $2.022,62 | $438,51 | $1.584,11 | $292.013,12 |
| 79 | $2.022,62 | $440,88 | $1.581,74 | $291.572,24 |
| 80 | $2.022,62 | $443,27 | $1.579,35 | $291.128,97 |
| 81 | $2.022,62 | $445,67 | $1.576,95 | $290.683,30 |
| 82 | $2.022,62 | $448,09 | $1.574,53 | $290.235,21 |
| 83 | $2.022,62 | $450,51 | $1.572,11 | $289.784,70 |
| 84 | $2.022,62 | $452,95 | $1.569,67 | $289.331,75 |
| 85 | $2.022,62 | $455,41 | $1.567,21 | $288.876,34 |
| 86 | $2.022,62 | $457,87 | $1.564,75 | $288.418,47 |
| 87 | $2.022,62 | $460,35 | $1.562,27 | $287.958,12 |
| 88 | $2.022,62 | $462,85 | $1.559,77 | $287.495,27 |
| 89 | $2.022,62 | $465,35 | $1.557,27 | $287.029,92 |
| 90 | $2.022,62 | $467,87 | $1.554,75 | $286.562,05 |
| 91 | $2.022,62 | $470,41 | $1.552,21 | $286.091,64 |
| 92 | $2.022,62 | $472,96 | $1.549,66 | $285.618,68 |
| 93 | $2.022,62 | $475,52 | $1.547,10 | $285.143,16 |
| 94 | $2.022,62 | $478,09 | $1.544,53 | $284.665,07 |
| 95 | $2.022,62 | $480,68 | $1.541,94 | $284.184,39 |
| 96 | $2.022,62 | $483,29 | $1.539,33 | $283.701,10 |
| 97 | $2.022,62 | $485,91 | $1.536,71 | $283.215,19 |
| 98 | $2.022,62 | $488,54 | $1.534,08 | $282.726,65 |
| 99 | $2.022,62 | $491,18 | $1.531,44 | $282.235,47 |
| 100 | $2.022,62 | $493,84 | $1.528,78 | $281.741,63 |
| 101 | $2.022,62 | $496,52 | $1.526,10 | $281.245,11 |
| 102 | $2.022,62 | $499,21 | $1.523,41 | $280.745,90 |
| 103 | $2.022,62 | $501,91 | $1.520,71 | $280.243,99 |
| 104 | $2.022,62 | $504,63 | $1.517,99 | $279.739,36 |
| 105 | $2.022,62 | $507,37 | $1.515,25 | $279.231,99 |
| 106 | $2.022,62 | $510,11 | $1.512,51 | $278.721,88 |
| 107 | $2.022,62 | $512,88 | $1.509,74 | $278.209,00 |
| 108 | $2.022,62 | $515,65 | $1.506,97 | $277.693,35 |
| 109 | $2.022,62 | $518,45 | $1.504,17 | $277.174,90 |
| 110 | $2.022,62 | $521,26 | $1.501,36 | $276.653,64 |
| 111 | $2.022,62 | $524,08 | $1.498,54 | $276.129,56 |
| 112 | $2.022,62 | $526,92 | $1.495,70 | $275.602,64 |
| 113 | $2.022,62 | $529,77 | $1.492,85 | $275.072,87 |
| 114 | $2.022,62 | $532,64 | $1.489,98 | $274.540,23 |
| 115 | $2.022,62 | $535,53 | $1.487,09 | $274.004,70 |
| 116 | $2.022,62 | $538,43 | $1.484,19 | $273.466,27 |
| 117 | $2.022,62 | $541,34 | $1.481,28 | $272.924,93 |
| 118 | $2.022,62 | $544,28 | $1.478,34 | $272.380,65 |
| 119 | $2.022,62 | $547,22 | $1.475,40 | $271.833,43 |
| 120 | $2.022,62 | $550,19 | $1.472,43 | $271.283,24 |
| 121 | $2.022,62 | $553,17 | $1.469,45 | $270.730,07 |
| 122 | $2.022,62 | $556,17 | $1.466,45 | $270.173,90 |
| 123 | $2.022,62 | $559,18 | $1.463,44 | $269.614,72 |
| 124 | $2.022,62 | $562,21 | $1.460,41 | $269.052,51 |
| 125 | $2.022,62 | $565,25 | $1.457,37 | $268.487,26 |
| 126 | $2.022,62 | $568,31 | $1.454,31 | $267.918,95 |
| 127 | $2.022,62 | $571,39 | $1.451,23 | $267.347,56 |
| 128 | $2.022,62 | $574,49 | $1.448,13 | $266.773,07 |
| 129 | $2.022,62 | $577,60 | $1.445,02 | $266.195,47 |
| 130 | $2.022,62 | $580,73 | $1.441,89 | $265.614,74 |
| 131 | $2.022,62 | $583,87 | $1.438,75 | $265.030,87 |
| 132 | $2.022,62 | $587,04 | $1.435,58 | $264.443,83 |
| 133 | $2.022,62 | $590,22 | $1.432,40 | $263.853,61 |
| 134 | $2.022,62 | $593,41 | $1.429,21 | $263.260,20 |
| 135 | $2.022,62 | $596,63 | $1.425,99 | $262.663,57 |
| 136 | $2.022,62 | $599,86 | $1.422,76 | $262.063,71 |
| 137 | $2.022,62 | $603,11 | $1.419,51 | $261.460,60 |
| 138 | $2.022,62 | $606,38 | $1.416,24 | $260.854,22 |
| 139 | $2.022,62 | $609,66 | $1.412,96 | $260.244,56 |
| 140 | $2.022,62 | $612,96 | $1.409,66 | $259.631,60 |
| 141 | $2.022,62 | $616,28 | $1.406,34 | $259.015,32 |
| 142 | $2.022,62 | $619,62 | $1.403,00 | $258.395,70 |
| 143 | $2.022,62 | $622,98 | $1.399,64 | $257.772,72 |
| 144 | $2.022,62 | $626,35 | $1.396,27 | $257.146,37 |
| 145 | $2.022,62 | $629,74 | $1.392,88 | $256.516,63 |
| 146 | $2.022,62 | $633,15 | $1.389,47 | $255.883,48 |
| 147 | $2.022,62 | $636,58 | $1.386,04 | $255.246,90 |
| 148 | $2.022,62 | $640,03 | $1.382,59 | $254.606,87 |
| 149 | $2.022,62 | $643,50 | $1.379,12 | $253.963,37 |
| 150 | $2.022,62 | $646,99 | $1.375,63 | $253.316,38 |
| 151 | $2.022,62 | $650,49 | $1.372,13 | $252.665,89 |
| 152 | $2.022,62 | $654,01 | $1.368,61 | $252.011,88 |
| 153 | $2.022,62 | $657,56 | $1.365,06 | $251.354,32 |
| 154 | $2.022,62 | $661,12 | $1.361,50 | $250.693,20 |
| 155 | $2.022,62 | $664,70 | $1.357,92 | $250.028,50 |
| 156 | $2.022,62 | $668,30 | $1.354,32 | $249.360,20 |
| 157 | $2.022,62 | $671,92 | $1.350,70 | $248.688,28 |
| 158 | $2.022,62 | $675,56 | $1.347,06 | $248.012,72 |
| 159 | $2.022,62 | $679,22 | $1.343,40 | $247.333,50 |
| 160 | $2.022,62 | $682,90 | $1.339,72 | $246.650,60 |
| 161 | $2.022,62 | $686,60 | $1.336,02 | $245.964,00 |
| 162 | $2.022,62 | $690,31 | $1.332,31 | $245.273,69 |
| 163 | $2.022,62 | $694,05 | $1.328,57 | $244.579,64 |
| 164 | $2.022,62 | $697,81 | $1.324,81 | $243.881,83 |
| 165 | $2.022,62 | $701,59 | $1.321,03 | $243.180,24 |
| 166 | $2.022,62 | $705,39 | $1.317,23 | $242.474,85 |
| 167 | $2.022,62 | $709,21 | $1.313,41 | $241.765,64 |
| 168 | $2.022,62 | $713,06 | $1.309,56 | $241.052,58 |
| 169 | $2.022,62 | $716,92 | $1.305,70 | $240.335,66 |
| 170 | $2.022,62 | $720,80 | $1.301,82 | $239.614,86 |
| 171 | $2.022,62 | $724,71 | $1.297,91 | $238.890,15 |
| 172 | $2.022,62 | $728,63 | $1.293,99 | $238.161,52 |
| 173 | $2.022,62 | $732,58 | $1.290,04 | $237.428,94 |
| 174 | $2.022,62 | $736,55 | $1.286,07 | $236.692,39 |
| 175 | $2.022,62 | $740,54 | $1.282,08 | $235.951,85 |
| 176 | $2.022,62 | $744,55 | $1.278,07 | $235.207,30 |
| 177 | $2.022,62 | $748,58 | $1.274,04 | $234.458,72 |
| 178 | $2.022,62 | $752,64 | $1.269,98 | $233.706,08 |
| 179 | $2.022,62 | $756,71 | $1.265,91 | $232.949,37 |
| 180 | $2.022,62 | $760,81 | $1.261,81 | $232.188,56 |
| 181 | $2.022,62 | $764,93 | $1.257,69 | $231.423,63 |
| 182 | $2.022,62 | $769,08 | $1.253,54 | $230.654,55 |
| 183 | $2.022,62 | $773,24 | $1.249,38 | $229.881,31 |
| 184 | $2.022,62 | $777,43 | $1.245,19 | $229.103,88 |
| 185 | $2.022,62 | $781,64 | $1.240,98 | $228.322,24 |
| 186 | $2.022,62 | $785,87 | $1.236,75 | $227.536,37 |
| 187 | $2.022,62 | $790,13 | $1.232,49 | $226.746,24 |
| 188 | $2.022,62 | $794,41 | $1.228,21 | $225.951,83 |
| 189 | $2.022,62 | $798,71 | $1.223,91 | $225.153,12 |
| 190 | $2.022,62 | $803,04 | $1.219,58 | $224.350,08 |
| 191 | $2.022,62 | $807,39 | $1.215,23 | $223.542,69 |
| 192 | $2.022,62 | $811,76 | $1.210,86 | $222.730,93 |
| 193 | $2.022,62 | $816,16 | $1.206,46 | $221.914,77 |
| 194 | $2.022,62 | $820,58 | $1.202,04 | $221.094,19 |
| 195 | $2.022,62 | $825,03 | $1.197,59 | $220.269,16 |
| 196 | $2.022,62 | $829,50 | $1.193,12 | $219.439,66 |
| 197 | $2.022,62 | $833,99 | $1.188,63 | $218.605,67 |
| 198 | $2.022,62 | $838,51 | $1.184,11 | $217.767,16 |
| 199 | $2.022,62 | $843,05 | $1.179,57 | $216.924,11 |
| 200 | $2.022,62 | $847,61 | $1.175,01 | $216.076,50 |
| 201 | $2.022,62 | $852,21 | $1.170,41 | $215.224,29 |
| 202 | $2.022,62 | $856,82 | $1.165,80 | $214.367,47 |
| 203 | $2.022,62 | $861,46 | $1.161,16 | $213.506,01 |
| 204 | $2.022,62 | $866,13 | $1.156,49 | $212.639,88 |
| 205 | $2.022,62 | $870,82 | $1.151,80 | $211.769,06 |
| 206 | $2.022,62 | $875,54 | $1.147,08 | $210.893,52 |
| 207 | $2.022,62 | $880,28 | $1.142,34 | $210.013,24 |
| 208 | $2.022,62 | $885,05 | $1.137,57 | $209.128,19 |
| 209 | $2.022,62 | $889,84 | $1.132,78 | $208.238,35 |
| 210 | $2.022,62 | $894,66 | $1.127,96 | $207.343,69 |
| 211 | $2.022,62 | $899,51 | $1.123,11 | $206.444,18 |
| 212 | $2.022,62 | $904,38 | $1.118,24 | $205.539,80 |
| 213 | $2.022,62 | $909,28 | $1.113,34 | $204.630,52 |
| 214 | $2.022,62 | $914,20 | $1.108,42 | $203.716,32 |
| 215 | $2.022,62 | $919,16 | $1.103,46 | $202.797,16 |
| 216 | $2.022,62 | $924,14 | $1.098,48 | $201.873,02 |
| 217 | $2.022,62 | $929,14 | $1.093,48 | $200.943,88 |
| 218 | $2.022,62 | $934,17 | $1.088,45 | $200.009,71 |
| 219 | $2.022,62 | $939,23 | $1.083,39 | $199.070,48 |
| 220 | $2.022,62 | $944,32 | $1.078,30 | $198.126,16 |
| 221 | $2.022,62 | $949,44 | $1.073,18 | $197.176,72 |
| 222 | $2.022,62 | $954,58 | $1.068,04 | $196.222,14 |
| 223 | $2.022,62 | $959,75 | $1.062,87 | $195.262,39 |
| 224 | $2.022,62 | $964,95 | $1.057,67 | $194.297,44 |
| 225 | $2.022,62 | $970,18 | $1.052,44 | $193.327,26 |
| 226 | $2.022,62 | $975,43 | $1.047,19 | $192.351,83 |
| 227 | $2.022,62 | $980,71 | $1.041,91 | $191.371,12 |
| 228 | $2.022,62 | $986,03 | $1.036,59 | $190.385,09 |
| 229 | $2.022,62 | $991,37 | $1.031,25 | $189.393,72 |
| 230 | $2.022,62 | $996,74 | $1.025,88 | $188.396,98 |
| 231 | $2.022,62 | $1.002,14 | $1.020,48 | $187.394,84 |
| 232 | $2.022,62 | $1.007,56 | $1.015,06 | $186.387,28 |
| 233 | $2.022,62 | $1.013,02 | $1.009,60 | $185.374,26 |
| 234 | $2.022,62 | $1.018,51 | $1.004,11 | $184.355,75 |
| 235 | $2.022,62 | $1.024,03 | $998,59 | $183.331,72 |
| 236 | $2.022,62 | $1.029,57 | $993,05 | $182.302,15 |
| 237 | $2.022,62 | $1.035,15 | $987,47 | $181.267,00 |
| 238 | $2.022,62 | $1.040,76 | $981,86 | $180.226,24 |
| 239 | $2.022,62 | $1.046,39 | $976,23 | $179.179,85 |
| 240 | $2.022,62 | $1.052,06 | $970,56 | $178.127,79 |
| 241 | $2.022,62 | $1.057,76 | $964,86 | $177.070,03 |
| 242 | $2.022,62 | $1.063,49 | $959,13 | $176.006,54 |
| 243 | $2.022,62 | $1.069,25 | $953,37 | $174.937,29 |
| 244 | $2.022,62 | $1.075,04 | $947,58 | $173.862,25 |
| 245 | $2.022,62 | $1.080,87 | $941,75 | $172.781,38 |
| 246 | $2.022,62 | $1.086,72 | $935,90 | $171.694,66 |
| 247 | $2.022,62 | $1.092,61 | $930,01 | $170.602,05 |
| 248 | $2.022,62 | $1.098,53 | $924,09 | $169.503,52 |
| 249 | $2.022,62 | $1.104,48 | $918,14 | $168.399,04 |
| 250 | $2.022,62 | $1.110,46 | $912,16 | $167.288,58 |
| 251 | $2.022,62 | $1.116,47 | $906,15 | $166.172,11 |
| 252 | $2.022,62 | $1.122,52 | $900,10 | $165.049,59 |
| 253 | $2.022,62 | $1.128,60 | $894,02 | $163.920,99 |
| 254 | $2.022,62 | $1.134,71 | $887,91 | $162.786,28 |
| 255 | $2.022,62 | $1.140,86 | $881,76 | $161.645,42 |
| 256 | $2.022,62 | $1.147,04 | $875,58 | $160.498,38 |
| 257 | $2.022,62 | $1.153,25 | $869,37 | $159.345,13 |
| 258 | $2.022,62 | $1.159,50 | $863,12 | $158.185,63 |
| 259 | $2.022,62 | $1.165,78 | $856,84 | $157.019,85 |
| 260 | $2.022,62 | $1.172,10 | $850,52 | $155.847,75 |
| 261 | $2.022,62 | $1.178,44 | $844,18 | $154.669,31 |
| 262 | $2.022,62 | $1.184,83 | $837,79 | $153.484,48 |
| 263 | $2.022,62 | $1.191,25 | $831,37 | $152.293,23 |
| 264 | $2.022,62 | $1.197,70 | $824,92 | $151.095,53 |
| 265 | $2.022,62 | $1.204,19 | $818,43 | $149.891,34 |
| 266 | $2.022,62 | $1.210,71 | $811,91 | $148.680,63 |
| 267 | $2.022,62 | $1.217,27 | $805,35 | $147.463,36 |
| 268 | $2.022,62 | $1.223,86 | $798,76 | $146.239,50 |
| 269 | $2.022,62 | $1.230,49 | $792,13 | $145.009,01 |
| 270 | $2.022,62 | $1.237,15 | $785,47 | $143.771,86 |
| 271 | $2.022,62 | $1.243,86 | $778,76 | $142.528,00 |
| 272 | $2.022,62 | $1.250,59 | $772,03 | $141.277,41 |
| 273 | $2.022,62 | $1.257,37 | $765,25 | $140.020,04 |
| 274 | $2.022,62 | $1.264,18 | $758,44 | $138.755,86 |
| 275 | $2.022,62 | $1.271,03 | $751,59 | $137.484,83 |
| 276 | $2.022,62 | $1.277,91 | $744,71 | $136.206,92 |
| 277 | $2.022,62 | $1.284,83 | $737,79 | $134.922,09 |
| 278 | $2.022,62 | $1.291,79 | $730,83 | $133.630,30 |
| 279 | $2.022,62 | $1.298,79 | $723,83 | $132.331,51 |
| 280 | $2.022,62 | $1.305,82 | $716,80 | $131.025,69 |
| 281 | $2.022,62 | $1.312,90 | $709,72 | $129.712,79 |
| 282 | $2.022,62 | $1.320,01 | $702,61 | $128.392,78 |
| 283 | $2.022,62 | $1.327,16 | $695,46 | $127.065,62 |
| 284 | $2.022,62 | $1.334,35 | $688,27 | $125.731,27 |
| 285 | $2.022,62 | $1.341,58 | $681,04 | $124.389,69 |
| 286 | $2.022,62 | $1.348,84 | $673,78 | $123.040,85 |
| 287 | $2.022,62 | $1.356,15 | $666,47 | $121.684,70 |
| 288 | $2.022,62 | $1.363,49 | $659,13 | $120.321,21 |
| 289 | $2.022,62 | $1.370,88 | $651,74 | $118.950,33 |
| 290 | $2.022,62 | $1.378,31 | $644,31 | $117.572,02 |
| 291 | $2.022,62 | $1.385,77 | $636,85 | $116.186,25 |
| 292 | $2.022,62 | $1.393,28 | $629,34 | $114.792,97 |
| 293 | $2.022,62 | $1.400,82 | $621,80 | $113.392,15 |
| 294 | $2.022,62 | $1.408,41 | $614,21 | $111.983,74 |
| 295 | $2.022,62 | $1.416,04 | $606,58 | $110.567,70 |
| 296 | $2.022,62 | $1.423,71 | $598,91 | $109.143,99 |
| 297 | $2.022,62 | $1.431,42 | $591,20 | $107.712,57 |
| 298 | $2.022,62 | $1.439,18 | $583,44 | $106.273,39 |
| 299 | $2.022,62 | $1.446,97 | $575,65 | $104.826,42 |
| 300 | $2.022,62 | $1.454,81 | $567,81 | $103.371,61 |
| 301 | $2.022,62 | $1.462,69 | $559,93 | $101.908,92 |
| 302 | $2.022,62 | $1.470,61 | $552,01 | $100.438,31 |
| 303 | $2.022,62 | $1.478,58 | $544,04 | $98.959,73 |
| 304 | $2.022,62 | $1.486,59 | $536,03 | $97.473,14 |
| 305 | $2.022,62 | $1.494,64 | $527,98 | $95.978,50 |
| 306 | $2.022,62 | $1.502,74 | $519,88 | $94.475,76 |
| 307 | $2.022,62 | $1.510,88 | $511,74 | $92.964,88 |
| 308 | $2.022,62 | $1.519,06 | $503,56 | $91.445,82 |
| 309 | $2.022,62 | $1.527,29 | $495,33 | $89.918,53 |
| 310 | $2.022,62 | $1.535,56 | $487,06 | $88.382,97 |
| 311 | $2.022,62 | $1.543,88 | $478,74 | $86.839,09 |
| 312 | $2.022,62 | $1.552,24 | $470,38 | $85.286,85 |
| 313 | $2.022,62 | $1.560,65 | $461,97 | $83.726,20 |
| 314 | $2.022,62 | $1.569,10 | $453,52 | $82.157,10 |
| 315 | $2.022,62 | $1.577,60 | $445,02 | $80.579,50 |
| 316 | $2.022,62 | $1.586,15 | $436,47 | $78.993,35 |
| 317 | $2.022,62 | $1.594,74 | $427,88 | $77.398,61 |
| 318 | $2.022,62 | $1.603,38 | $419,24 | $75.795,23 |
| 319 | $2.022,62 | $1.612,06 | $410,56 | $74.183,17 |
| 320 | $2.022,62 | $1.620,79 | $401,83 | $72.562,38 |
| 321 | $2.022,62 | $1.629,57 | $393,05 | $70.932,81 |
| 322 | $2.022,62 | $1.638,40 | $384,22 | $69.294,41 |
| 323 | $2.022,62 | $1.647,28 | $375,34 | $67.647,13 |
| 324 | $2.022,62 | $1.656,20 | $366,42 | $65.990,93 |
| 325 | $2.022,62 | $1.665,17 | $357,45 | $64.325,76 |
| 326 | $2.022,62 | $1.674,19 | $348,43 | $62.651,57 |
| 327 | $2.022,62 | $1.683,26 | $339,36 | $60.968,31 |
| 328 | $2.022,62 | $1.692,37 | $330,25 | $59.275,94 |
| 329 | $2.022,62 | $1.701,54 | $321,08 | $57.574,40 |
| 330 | $2.022,62 | $1.710,76 | $311,86 | $55.863,64 |
| 331 | $2.022,62 | $1.720,03 | $302,59 | $54.143,61 |
| 332 | $2.022,62 | $1.729,34 | $293,28 | $52.414,27 |
| 333 | $2.022,62 | $1.738,71 | $283,91 | $50.675,56 |
| 334 | $2.022,62 | $1.748,13 | $274,49 | $48.927,43 |
| 335 | $2.022,62 | $1.757,60 | $265,02 | $47.169,83 |
| 336 | $2.022,62 | $1.767,12 | $255,50 | $45.402,71 |
| 337 | $2.022,62 | $1.776,69 | $245,93 | $43.626,02 |
| 338 | $2.022,62 | $1.786,31 | $236,31 | $41.839,71 |
| 339 | $2.022,62 | $1.795,99 | $226,63 | $40.043,72 |
| 340 | $2.022,62 | $1.805,72 | $216,90 | $38.238,00 |
| 341 | $2.022,62 | $1.815,50 | $207,12 | $36.422,50 |
| 342 | $2.022,62 | $1.825,33 | $197,29 | $34.597,17 |
| 343 | $2.022,62 | $1.835,22 | $187,40 | $32.761,95 |
| 344 | $2.022,62 | $1.845,16 | $177,46 | $30.916,79 |
| 345 | $2.022,62 | $1.855,15 | $167,47 | $29.061,64 |
| 346 | $2.022,62 | $1.865,20 | $157,42 | $27.196,44 |
| 347 | $2.022,62 | $1.875,31 | $147,31 | $25.321,13 |
| 348 | $2.022,62 | $1.885,46 | $137,16 | $23.435,67 |
| 349 | $2.022,62 | $1.895,68 | $126,94 | $21.539,99 |
| 350 | $2.022,62 | $1.905,95 | $116,67 | $19.634,04 |
| 351 | $2.022,62 | $1.916,27 | $106,35 | $17.717,77 |
| 352 | $2.022,62 | $1.926,65 | $95,97 | $15.791,12 |
| 353 | $2.022,62 | $1.937,08 | $85,54 | $13.854,04 |
| 354 | $2.022,62 | $1.947,58 | $75,04 | $11.906,46 |
| 355 | $2.022,62 | $1.958,13 | $64,49 | $9.948,33 |
| 356 | $2.022,62 | $1.968,73 | $53,89 | $7.979,60 |
| 357 | $2.022,62 | $1.979,40 | $43,22 | $6.000,20 |
| 358 | $2.022,62 | $1.990,12 | $32,50 | $4.010,08 |
| 359 | $2.022,62 | $2.000,90 | $21,72 | $2.009,18 |
| 360 | $2.020,06 | $2.009,18 | $10,88 | $0,00 |
Konut kredisi hesaplayıcı nasıl kullanılır?
Konutun fiyatını, peşinatı yüzde olarak, size teklif edilen faiz oranını ve vadeyi girin. Taksitle birlikte genellikle emanet hesabı üzerinden tahsil edilen masrafları eklemek için Vergi, sigorta, PMI ve ek ödemeler bölümünü açın. Sonucun altındaki yıllık geri ödeme planı, her yılın sonunda kalan borcu gösterir.
Konut kredisi taksit formülü
Anapara ve faizden oluşan kısım, standart geri ödeme formülüyle hesaplanan sabit bir tutardır:
M = P × r(1 + r)n ÷ ((1 + r)n − 1)
Burada P çekilen kredi tutarı, r aylık faiz oranı (yıllık oran ÷ 12) ve n taksit sayısıdır. İlk taksitlerin büyük kısmı faizdir; borç azaldıkça her taksitten anaparaya giden pay artar. Bu değişimi yukarıdaki grafikte görebilirsiniz.
Konut kredisinin maliyetini düşürmenin yolları
- %20 peşinat verin; hem PMI ödemezsiniz hem de daha az borçlanırsınız.
- Başvurmadan önce kredi notunuzu yükseltin; faizdeki 0,25 puanlık bir düşüş bile binlerce lira ya da dolar kazandırır.
- Taksit bütçenize uyuyorsa daha kısa vade seçin.
- Anaparaya ek ödeme yapın; yukarıda her ay küçük bir tutar eklemeyi deneyin.
- Birden fazla bankanın teklifini alın ve yalnızca faiz oranını değil, yıllık maliyet oranını da karşılaştırın.
Bu hesaplayıcı bilgilendirme amaçlı tahminler sunar. Gerçek taksitiniz bankanıza, yerel vergilere ve sigortaya bağlıdır.
Sıkça sorulan sorular
Aylık konut kredisi taksitine neler dahildir?
Taksitlerin çoğu anapara ve faizden oluşur; ABD'de buna emlak vergisi ve konut sigortası için emanet hesabına (escrow) ayrılan bir tutar eklenir. Peşinat %20'nin altındaysa genellikle özel ipotek sigortası (PMI) da ödenir; bazı konutlarda ayrıca site aidatı (HOA) vardır.
Aylık anapara ve faiz nasıl hesaplanır?
Standart eşit taksitli geri ödeme formülü kullanılır: M = P × r(1+r)^n ÷ ((1+r)^n − 1). Burada P kredi tutarı, r aylık faiz oranı (yıllık oran ÷ 12), n ise aylık taksit sayısıdır.
PMI ne zaman sona erer?
ABD'deki konvansiyonel kredilerin çoğunda Homeowners Protection Act, kalan borç konutun ilk değerinin (satın alma fiyatı ile ekspertiz değerinden düşük olanı) %80'ine indiğinde, ödemeleriniz düzenliyse ve bankanın koşullarını karşılıyorsanız PMI'nin iptalini talep etmenize izin verir. Banka, plana göre borç %78'e indiğinde PMI'yi kendiliğinden kaldırmak zorundadır. Bu hesaplayıcı, PMI'nin borcun ek ödemeler dahil satın alma fiyatının %80'ine ilk kez indiği ay bittiğini, yani iptal talebinde bulunduğunuzu varsayar. FHA kredilerindeki ipotek sigortası (MIP) farklı kurallara tabidir; bunun için FHA kredisi hesaplayıcımızı kullanın.
Ek ödemeler gerçekten tasarruf sağlar mı?
Evet. Her ek ödeme doğrudan anaparadan düşer, bu yüzden sonraki aylarda daha az faiz işler. Küçük aylık ek ödemeler bile 30 yıllık bir krediyi yıllarca kısaltabilir; tasarrufunuzu görmek için “Aylık ek ödeme” alanına bir tutar girin.
15 yıllık mı yoksa 30 yıllık kredi mi daha iyi?
15 yıllık kredide aylık taksit daha yüksektir, ancak faiz oranı genellikle daha düşük ve toplam faiz çok daha azdır. 30 yıllık kredide taksit daha düşük, esneklik daha fazladır. Yukarıdaki vadeyi değiştirerek ikisini karşılaştırın.
Konut Kredisi Hesaplama aracını değerlendirin
Yalnızca ortalama puan gösterilir. Hata bildirimleri doğrudan gelen kutumuza düşer; böylece kontrol edip düzeltebiliriz. Ayrıntılı bilgi: Metodoloji ve gizlilik politikası.