{"id":15352,"date":"2025-07-15T13:34:53","date_gmt":"2025-07-15T13:34:53","guid":{"rendered":"https:\/\/functiontranslator.com\/topodenenfaiz\/"},"modified":"2021-02-25T16:25:00","modified_gmt":"2021-02-25T16:25:00","slug":"cumipmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/tr\/cumipmt\/","title":{"rendered":"TOP\u00d6DENENFA\u0130Z"},"content":{"rendered":"

Bu yaz\u0131da, Microsoft Excel ve Google Sheets’teki CUMIPMT<\/strong> (T\u00fcrk\u00e7e Excel’de TOP\u00d6DENENFA\u0130Z<\/strong>) fonksiyonunun kullan\u0131m\u0131n\u0131 detayl\u0131 bir \u015fekilde ele alaca\u011f\u0131z. Bu fonksiyon, belirli bir \u00f6deme periyodu boyunca \u00f6denen toplam faizi hesaplamak amac\u0131yla kullan\u0131l\u0131r ve \u00f6zellikle kredi hesaplamalar\u0131 ve finansal planlamada b\u00fcy\u00fck \u00f6nem ta\u015f\u0131r.<\/p>\n

TOP\u00d6DENENFA\u0130Z Fonksiyonunun S\u00f6zdizimi<\/h2>\n

Fonksiyonun genel s\u00f6zdizimi a\u015fa\u011f\u0131daki gibidir:<\/p>\n

=TOP\u00d6DENENFA\u0130Z(faiz_oran\u0131, toplam_\u00f6deme_say\u0131s\u0131, bor\u00e7_miktar\u0131, ba\u015flang\u0131\u00e7_d\u00f6nemi, biti\u015f_d\u00f6nemi, \u00f6deme_zamanlamas\u0131)<\/code><\/pre>\n
    \n
  • faiz_oran\u0131:<\/strong> Her \u00f6deme periyodu i\u00e7in uygulanan faiz oran\u0131.<\/li>\n
  • toplam_\u00f6deme_say\u0131s\u0131:<\/strong> Toplam \u00f6deme say\u0131s\u0131.<\/li>\n
  • bor\u00e7_miktar\u0131:<\/strong> Kredi ba\u015flang\u0131c\u0131ndaki bor\u00e7 miktar\u0131.<\/li>\n
  • ba\u015flang\u0131\u00e7_d\u00f6nemi:<\/strong> Hesaplaman\u0131n ba\u015flayaca\u011f\u0131 d\u00f6nem numaras\u0131.<\/li>\n
  • biti\u015f_d\u00f6nemi:<\/strong> Hesaplaman\u0131n sona erece\u011fi d\u00f6nem numaras\u0131.<\/li>\n
  • \u00f6deme_zamanlamas\u0131:<\/strong> \u00d6demelerin d\u00f6nem ba\u015f\u0131nda m\u0131 (1) yoksa d\u00f6nem sonunda m\u0131 (0) yap\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6steren parametre. \u00c7o\u011funlukla 0 kullan\u0131l\u0131r.<\/li>\n<\/ul>\n
    Pratik Uygulama \u00d6rnekleri<\/h2>\n
    \u015eimdi bu fonksiyonun pratikte nas\u0131l kullan\u0131labilece\u011fine dair iki farkl\u0131 \u00f6rne\u011fi inceleyece\u011fiz.<\/p>\n
    \u00d6rnek 1: Bireysel Kredi Hesaplamas\u0131<\/h2>\n
    Diyelim ki, y\u0131ll\u0131k %10 faiz oran\u0131yla 100.000 TL tutar\u0131nda 5 y\u0131ll\u0131k bir kredi ald\u0131n\u0131z ve ayda bir \u00f6deme yap\u0131yorsunuz. \u0130lk y\u0131l i\u00e7inde \u00f6denen toplam faizi hesaplamak istiyoruz.<\/p>\n\n\n\n\n\n\n\n\n
    Parametre<\/th>\nDe\u011fer<\/th>\n<\/tr>\n
    faiz_oran\u0131<\/td>\n0.10\/12 (Ayl\u0131k faiz oran\u0131)<\/td>\n<\/tr>\n
    toplam_\u00f6deme_say\u0131s\u0131<\/td>\n60 (5 y\u0131l * 12 ay)<\/td>\n<\/tr>\n
    bor\u00e7_miktar\u0131<\/td>\n100.000 TL<\/td>\n<\/tr>\n
    ba\u015flang\u0131\u00e7_d\u00f6nemi<\/td>\n1<\/td>\n<\/tr>\n
    biti\u015f_d\u00f6nemi<\/td>\n12<\/td>\n<\/tr>\n
    \u00f6deme_zamanlamas\u0131<\/td>\n0<\/td>\n<\/tr>\n<\/table>\n
    Hesaplama i\u00e7in a\u015fa\u011f\u0131daki form\u00fcl\u00fc kullanaca\u011f\u0131z:<\/p>\n
    =TOP\u00d6DENENFA\u0130Z(0.10\/12, 60, 100000, 1, 12, 0)<\/code><\/pre>\n
    Bu form\u00fcl, ilk 12 ayda \u00f6denen toplam faiz miktar\u0131n\u0131 hesaplayacaktir.<\/p>\n
    \u00d6rnek 2: \u0130\u015fletme Kredisinde \u00d6denen Faizler<\/h2>\n
    \u015eimdi de y\u0131ll\u0131k %8 faiz oran\u0131yla 300.000 TL tutar\u0131nda 10 y\u0131ll\u0131k bir i\u015fletme kredisi d\u00fc\u015f\u00fcnelim. \u0130lk 3 y\u0131l boyunca \u00f6denen toplam faizi hesaplayal\u0131m.<\/p>\n\n\n\n\n\n\n\n\n
    Parametre<\/th>\nDe\u011fer<\/th>\n<\/tr>\n
    faiz_oran\u0131<\/td>\n0.08\/12<\/td>\n<\/tr>\n
    toplam_\u00f6deme_say\u0131s\u0131<\/td>\n120<\/td>\n<\/tr>\n
    bor\u00e7_miktar\u0131<\/td>\n300.000 TL<\/td>\n<\/tr>\n
    ba\u015flang\u0131\u00e7_d\u00f6nemi<\/td>\n1<\/td>\n<\/tr>\n
    biti\u015f_d\u00f6nemi<\/td>\n36<\/td>\n<\/tr>\n
    \u00f6deme_zamanlamas\u0131<\/td>\n0<\/td>\n<\/tr>\n<\/table>\n
    Hesaplama form\u00fcl\u00fc:<\/p>\n
    =TOP\u00d6DENENFA\u0130Z(0.08\/12, 120, 300000, 1, 36, 0)<\/code><\/pre>\n
    Bu form\u00fcl, kredinin ilk 36 ay\u0131nda \u00f6denen toplam faizi hesaplayacaktir.<\/p>\n
    G\u00f6r\u00fcld\u00fc\u011f\u00fc gibi, TOP\u00d6DENENFA\u0130Z fonksiyonu, finansal planlama ve analizde olduk\u00e7a pratik ve yararl\u0131d\u0131r, \u00f6zellikle uzun vadeli bor\u00e7lar\u0131n maliyetini anlamada kilit bir role sahiptir.<\/p>\n","protected":false},"excerpt":{"rendered":"
    \u0130ki d\u00f6nem aras\u0131nda \u00f6denen k\u00fcm\u00fclatif faizi verir<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[578],"tags":[],"class_list":["post-15352","post","type-post","status-publish","format-standard","hentry","category-finansal"],"acf":[],"yoast_head":"\nExcel'de CUMIPMT (TOP\u00d6DENENFA\u0130Z) Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri<\/title>\n<meta name=\"description\" content=\"Excel ve Google E-Tablolar'da CUMIPMT (TOP\u00d6DENENFA\u0130Z) fonksiyonunun detayl\u0131 incelemesi. 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