{"id":2872,"date":"2026-11-07T13:10:45","date_gmt":"2026-11-07T10:10:45","guid":{"rendered":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/faiz-hesaplama\/"},"modified":"2026-11-07T13:10:48","modified_gmt":"2026-11-07T10:10:48","slug":"faiz-hesaplama","status":"publish","type":"page","link":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/faiz-hesaplama\/","title":{"rendered":"Faiz Hesaplama"},"content":{"rendered":"\n<div role=\"note\" style=\"background:#f6f1e4;border-left:4px solid #a8925f;color:#3d3420;padding:16px 20px;margin:0 0 28px;font-size:16px;line-height:1.55\">Bu sayfa bir hesaplama arac\u0131d\u0131r ve tahmini sonu\u00e7 verir. Faiz t\u00fcr\u00fc, ba\u015flang\u0131\u00e7 tarihi ve s\u00f6zle\u015fme h\u00fck\u00fcmleri sonucu de\u011fi\u015ftirir; kendi durumunuz i\u00e7in avukat\u0131n\u0131za dan\u0131\u015f\u0131n\u0131z.<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Faiz hesaplama, para alacaklar\u0131nda bor\u00e7lunun temerr\u00fcd\u00fcnden itibaren i\u015fleyen yasal veya ticari faizi bulmak i\u00e7in kullan\u0131l\u0131r. A\u015fa\u011f\u0131daki ara\u00e7 3095 say\u0131l\u0131 Kanun&#8217;a g\u00f6re yasal faizi ve TCMB avans oran\u0131na ba\u011fl\u0131 ticari temerr\u00fct faizini oranlar\u0131n de\u011fi\u015fti\u011fi her tarihte d\u00f6nemlere b\u00f6lerek hesaplar. Birden fazla alacak kalemi ve k\u0131smi \u00f6demeler eklenebilir; \u00f6demeler TBK 100 uyar\u0131nca \u00f6nce i\u015flemi\u015f faize, sonra anaparaya mahsup edilir.<\/p>\n\n\n\n<div class=\"agh\" id=\"agh\"><\/div>\n<script type=\"text\/plain\" 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<\/script><script>(function(){var s=document.getElementById('agh-b64').textContent.replace(\/\\s+\/g,'');var u=Uint8Array.from(atob(s),function(c){return c.charCodeAt(0)});var t=new TextDecoder().decode(u);function run(){(0,eval)(t)}if(window.AGH){run();return}fetch('\/wp-content\/uploads\/2026\/11\/agh-core-4af1cef18c.txt').then(function(r){if(!r.ok)throw 0;return r.text()}).then(function(c){(0,eval)(c);run()}).catch(function(){var m=document.getElementById('agh');if(m)m.insertAdjacentHTML('beforeend','<p style=\\'padding:20px\\'>Hesaplama arac\u0131 y\u00fcklenemedi. L\u00fctfen sayfay\u0131 yenileyin.<\/p>')})})();<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">Yasal faiz nedir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yasal faiz, s\u00f6zle\u015fmede faiz oran\u0131 kararla\u015ft\u0131r\u0131lmam\u0131\u015f alacaklarda uygulanan orand\u0131r. 3095 say\u0131l\u0131 Kanuni Faiz ve Temerr\u00fct Faizine \u0130li\u015fkin Kanun&#8217;un 1. maddesi 7589 say\u0131l\u0131 Kanun ile yeniden d\u00fczenlenmi\u015ftir. Yeni d\u00fczenlemeye g\u00f6re yasal faiz oran\u0131, \u00f6nceki y\u0131l\u0131n 31 Aral\u0131k tarihindeki TCMB reeskont oran\u0131n\u0131n y\u00fczde 80&#8217;idir. 30 Haziran tarihindeki reeskont oran\u0131 31 Aral\u0131k oran\u0131ndan en az 5 puan farkl\u0131ysa, y\u0131l\u0131n ikinci yar\u0131s\u0131nda 30 Haziran oran\u0131n\u0131n y\u00fczde 80&#8217;i uygulan\u0131r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>D\u00f6nem<\/th><th>Yasal faiz oran\u0131<\/th><\/tr><\/thead><tbody><tr><td>01.01.2006 &#8211; 31.05.2024<\/td><td>%9<\/td><\/tr><tr><td>01.06.2024 &#8211; 30.07.2026<\/td><td>%24<\/td><\/tr><tr><td>31.07.2026 itibar\u0131yla<\/td><td>%31<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Ticari temerr\u00fct faizi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ticari i\u015flerde temerr\u00fct faizi, s\u00f6zle\u015fmede daha y\u00fcksek bir oran kararla\u015ft\u0131r\u0131lmam\u0131\u015fsa TCMB&#8217;nin k\u0131sa vadeli avans i\u015flemlerine uygulad\u0131\u011f\u0131 orand\u0131r (3095 m.2\/2). Kanuna g\u00f6re her y\u0131l i\u00e7in \u00f6nceki y\u0131l\u0131n 31 Aral\u0131k g\u00fcn\u00fcndeki avans oran\u0131 uygulan\u0131r; 30 Haziran&#8217;daki oran bundan en az 5 puan farkl\u0131ysa y\u0131l\u0131n ikinci yar\u0131s\u0131nda o oran esas al\u0131n\u0131r. Bu esasa g\u00f6re 2026 y\u0131l\u0131nda uygulanan oran y\u00fczde 39,75&#8217;tir. Ara\u00e7, isteyenler i\u00e7in TCMB&#8217;nin 2005&#8217;ten bu yana her oran de\u011fi\u015fikli\u011fini ayr\u0131 d\u00f6nem olarak hesaplayan ikinci bir y\u00f6ntem de sunar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Faiz nas\u0131l hesaplan\u0131r?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faiz basit faiz y\u00f6ntemiyle hesaplan\u0131r: anapara \u00d7 y\u0131ll\u0131k oran \u00d7 g\u00fcn say\u0131s\u0131 \/ 365. Oran\u0131n de\u011fi\u015fti\u011fi her tarihte d\u00f6nem b\u00f6l\u00fcn\u00fcr ve her d\u00f6nem kendi oran\u0131yla hesaplan\u0131p toplan\u0131r. \u00d6rne\u011fin 01.01.2025 tarihinde muaccel olan 100.000 TL alaca\u011fa 01.01.2026&#8217;ya kadar y\u00fczde 24 yasal faiz uygulan\u0131rsa i\u015fleyen faiz 24.000 TL olur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0131smi \u00f6demeler nas\u0131l mahsup edilir?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bor\u00e7lu yapt\u0131\u011f\u0131 k\u0131smi \u00f6demeyle \u00f6nce i\u015flemi\u015f faizi ve masraflar\u0131, sonra anaparay\u0131 \u00f6der (TBK 100). Bu nedenle \u00f6deme tarihine kadar i\u015flemi\u015f faiz kapanmadan anapara azalmaz. Ara\u00e7 her \u00f6demenin ne kadar\u0131n\u0131n faize, ne kadar\u0131n\u0131n anaparaya say\u0131ld\u0131\u011f\u0131n\u0131 tabloda g\u00f6sterir.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Faiz oran\u0131na ili\u015fkin s\u0131n\u0131rlar<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tacir olmayanlar aras\u0131nda s\u00f6zle\u015fmeyle kararla\u015ft\u0131r\u0131lan faiz oran\u0131 kanuni s\u0131n\u0131rlara tabidir. S\u00f6zle\u015fme faizi yasal faiz oran\u0131n\u0131n y\u00fczde elli fazlas\u0131n\u0131 (TBK 88\/2), temerr\u00fct faizi ise y\u00fczde y\u00fcz fazlas\u0131n\u0131 a\u015famaz (TBK 120\/2). \u0130\u015flemi\u015f faize yeniden faiz y\u00fcr\u00fct\u00fclemez (TBK 388\/3). Tacirler aras\u0131ndaki ticari i\u015flerde bu s\u0131n\u0131rlar uygulanmaz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Faiz ne zaman ba\u015flar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faiz, bor\u00e7lunun temerr\u00fcde d\u00fc\u015ft\u00fc\u011f\u00fc tarihten itibaren i\u015fler. Belirli vadeli bor\u00e7larda vadenin dolmas\u0131yla, vadesiz bor\u00e7larda ise ihtar ile temerr\u00fct ger\u00e7ekle\u015fir. Haks\u0131z fiilden do\u011fan tazminatlarda faiz olay tarihinden, k\u0131dem tazminat\u0131nda fesih tarihinden ba\u015flar. \u0130cra takibinde talep edilen faiz t\u00fcr\u00fc ve oran\u0131 takip talebinde a\u00e7\u0131k\u00e7a belirtilmelidir. Takip masraflar\u0131 i\u00e7in <a href=\"\/index.php\/icra-masrafi-hesaplama\/\">icra masraf\u0131 hesaplama<\/a> arac\u0131n\u0131 kullanabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">S\u0131k sorulan sorular<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">G\u00fcncel yasal faiz oran\u0131 nedir?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">7589 say\u0131l\u0131 Kanun ile 31.07.2026 tarihinden itibaren yasal faiz oran\u0131 y\u0131ll\u0131k y\u00fczde 31&#8217;dir. Bu tarihten \u00f6nce 01.06.2024&#8217;ten itibaren y\u00fczde 24 uygulan\u0131yordu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ticari faiz oran\u0131 nedir?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ticari i\u015flerde temerr\u00fct faizi TCMB&#8217;nin avans i\u015flemlerine uygulad\u0131\u011f\u0131 orand\u0131r. 20.12.2025 tarihinden itibaren bu oran y\u00fczde 39,75&#8217;tir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">K\u0131smi \u00f6deme faizden mi anaparadan m\u0131 d\u00fc\u015f\u00fcl\u00fcr?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">K\u0131smi \u00f6deme \u00f6nce i\u015flemi\u015f faize ve masraflara, kalan k\u0131sm\u0131 anaparaya say\u0131l\u0131r (TBK 100).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faiz nas\u0131l hesaplan\u0131r?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Anapara, y\u0131ll\u0131k faiz oran\u0131 ve g\u00fcn say\u0131s\u0131 \u00e7arp\u0131l\u0131p 365&#8217;e b\u00f6l\u00fcn\u00fcr. Oran de\u011fi\u015fti\u011finde her d\u00f6nem ayr\u0131 hesaplan\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Faize faiz i\u015fletilebilir mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tacir olmayanlar aras\u0131nda i\u015flemi\u015f faize yeniden faiz y\u00fcr\u00fct\u00fclemez (TBK 388\/3). Bile\u015fik faiz yaln\u0131zca ticari cari hesap gibi istisnai h\u00e2llerde m\u00fcmk\u00fcnd\u00fcr.<\/p>\n\n\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"G\u00fcncel yasal faiz oran\u0131 nedir?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"7589 say\u0131l\u0131 Kanun ile 31.07.2026 tarihinden itibaren yasal faiz oran\u0131 y\u0131ll\u0131k y\u00fczde 31'dir. Bu tarihten \u00f6nce 01.06.2024'ten itibaren y\u00fczde 24 uygulan\u0131yordu.\"}}, {\"@type\": \"Question\", \"name\": \"Ticari faiz oran\u0131 nedir?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Ticari i\u015flerde temerr\u00fct faizi TCMB'nin avans i\u015flemlerine uygulad\u0131\u011f\u0131 orand\u0131r. 20.12.2025 tarihinden itibaren bu oran y\u00fczde 39,75'tir.\"}}, {\"@type\": \"Question\", \"name\": \"K\u0131smi \u00f6deme faizden mi anaparadan m\u0131 d\u00fc\u015f\u00fcl\u00fcr?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"K\u0131smi \u00f6deme \u00f6nce i\u015flemi\u015f faize ve masraflara, kalan k\u0131sm\u0131 anaparaya say\u0131l\u0131r (TBK 100).\"}}, {\"@type\": \"Question\", \"name\": \"Faiz nas\u0131l hesaplan\u0131r?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Anapara, y\u0131ll\u0131k faiz oran\u0131 ve g\u00fcn say\u0131s\u0131 \u00e7arp\u0131l\u0131p 365'e b\u00f6l\u00fcn\u00fcr. Oran de\u011fi\u015fti\u011finde her d\u00f6nem ayr\u0131 hesaplan\u0131r.\"}}, {\"@type\": \"Question\", \"name\": \"Faize faiz i\u015fletilebilir mi?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Tacir olmayanlar aras\u0131nda i\u015flemi\u015f faize yeniden faiz y\u00fcr\u00fct\u00fclemez (TBK 388\/3). Bile\u015fik faiz yaln\u0131zca ticari cari hesap gibi istisnai h\u00e2llerde m\u00fcmk\u00fcnd\u00fcr.\"}}]}<\/script>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Bu i\u00e7erik genel bilgilendirme ama\u00e7l\u0131d\u0131r, somut durum i\u00e7in hukuki dan\u0131\u015fmanl\u0131k al\u0131nmal\u0131d\u0131r.<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Bu sayfa bir hesaplama arac\u0131d\u0131r ve tahmini sonu\u00e7 verir. Faiz t\u00fcr\u00fc, ba\u015flang\u0131\u00e7 tarihi ve s\u00f6zle\u015fme h\u00fck\u00fcmleri sonucu de\u011fi\u015ftirir; kendi durumunuz i\u00e7in avukat\u0131n\u0131za dan\u0131\u015f\u0131n\u0131z. Faiz hesaplama, para alacaklar\u0131nda bor\u00e7lunun temerr\u00fcd\u00fcnden itibaren i\u015fleyen yasal veya ticari faizi bulmak i\u00e7in kullan\u0131l\u0131r. A\u015fa\u011f\u0131daki ara\u00e7 3095 say\u0131l\u0131 Kanun&#8217;a g\u00f6re yasal faizi ve TCMB avans oran\u0131na ba\u011fl\u0131 ticari temerr\u00fct faizini oranlar\u0131n [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2872","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/pages\/2872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/comments?post=2872"}],"version-history":[{"count":1,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/pages\/2872\/revisions"}],"predecessor-version":[{"id":2873,"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/pages\/2872\/revisions\/2873"}],"wp:attachment":[{"href":"https:\/\/ahmetgokhanmutlu.av.tr\/index.php\/wp-json\/wp\/v2\/media?parent=2872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}