{"id":15505,"date":"2025-07-15T13:34:53","date_gmt":"2025-07-15T13:34:53","guid":{"rendered":"https:\/\/functiontranslator.com\/ispmt\/"},"modified":"2021-02-25T16:30:09","modified_gmt":"2021-02-25T16:30:09","slug":"ispmt","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/tr\/ispmt\/","title":{"rendered":"ISPMT"},"content":{"rendered":"

Excel ve Google E-Tablolar \u0130\u015flev Rehberi: Finansal Hesaplamalar i\u00e7in Yard\u0131mc\u0131 Form\u00fcller<\/h1>\n

ISPMT i\u015flevi, belirli bir d\u00f6nem i\u00e7in \u00f6denen faiz tutar\u0131n\u0131 hesaplamak i\u00e7in kullan\u0131l\u0131r. Finansal analizler ve bor\u00e7 y\u00f6netimi konular\u0131nda faydal\u0131 olan bu i\u015flev, Microsoft Excel ve Google E-Tablolar arac\u0131l\u0131\u011f\u0131yla kolayca kullan\u0131labilir. Yaz\u0131m\u0131zda ISPMT i\u015flevinin nas\u0131l kullan\u0131laca\u011f\u0131n\u0131 \u00f6rneklerle beraber ele alaca\u011f\u0131z, ve uygulamal\u0131 \u00e7\u00f6z\u00fcmler sunaca\u011f\u0131z.<\/p>\n

ISPMT \u0130\u015flevinin Kullan\u0131m\u0131 ve S\u00f6zdizimi<\/h2>\n

ISPMT i\u015flevi, bir yat\u0131r\u0131m\u0131n belirli bir d\u00f6nemi i\u00e7in \u00f6denen faiz miktar\u0131n\u0131 hesaplar. \u0130\u015flevin genel s\u00f6zdizimi a\u015fa\u011f\u0131daki gibidir:<\/p>\n

  ISPMT(faiz_oran\u0131, d\u00f6nem, d\u00f6nem_say\u0131s\u0131, anapara) <\/code> <\/pre>\n
    \n
  • faiz_oran\u0131:<\/strong> Y\u0131ll\u0131k faiz oran\u0131. E\u011fer ayl\u0131k d\u00f6nemlerle \u00e7al\u0131\u015f\u0131yorsan\u0131z, bu oran\u0131 12’ye b\u00f6lmeniz gerekmektedir.<\/li>\n
  • d\u00f6nem:<\/strong> Faiz \u00f6demesinin hesaplanaca\u011f\u0131 d\u00f6nem numaras\u0131 (genellikle zaman dilimi).<\/li>\n
  • d\u00f6nem_say\u0131s\u0131:<\/strong> Toplam \u00f6deme d\u00f6nem say\u0131s\u0131.<\/li>\n
  • anapara:<\/strong> Kredi ya da borcun ba\u015flang\u0131\u00e7 anapara miktar\u0131.<\/li>\n<\/ul>\n
    Pratik Uygulamalar ve \u00c7\u00f6z\u00fcmler<\/h2>\n
    A\u015fa\u011f\u0131da, ISPMT i\u015flevinin \u00e7e\u015fitli senaryolarda nas\u0131l kullan\u0131laca\u011f\u0131na dair iki pratik \u00f6rnek bulunmaktad\u0131r:<\/p>\n
    \u00d6rnek 1: Kredi Faiz Hesaplamas\u0131<\/h3>\n
    Bir kredi i\u00e7in ayl\u0131k faiz \u00f6demelerini hesaplamak amac\u0131yla ISPMT i\u015flevi kullan\u0131labilir. \u00d6rne\u011fin, 120.000 TL tutar\u0131nda, %5 y\u0131ll\u0131k faiz oran\u0131yla 10 y\u0131l vadeli bir kredi d\u00fc\u015f\u00fcnelim.<\/p>\n
      ISPMT(0.05\/12, 1, 10*12, 120000) <\/code> <\/pre>\n
    Bu form\u00fcl, ilk ay i\u00e7in \u00f6denen faiz miktar\u0131n\u0131 verecektir. Hesaplama sonucu negatif bir de\u011fer olarak \u00e7\u0131kar, bu miktar kredi al\u0131c\u0131s\u0131n\u0131n \u00f6demesi gereken faiz tutar\u0131n\u0131 g\u00f6sterir.<\/p>\n
    \u00d6rnek 2: Yat\u0131r\u0131m\u0131n D\u00f6nemsel Faiz Hesaplamas\u0131<\/h3>\n
    Bir yat\u0131r\u0131m\u0131n her \u00e7eyrek i\u00e7in \u00f6denmesi gereken faiz tutar\u0131n\u0131 hesaplamak istedi\u011fimizde de ISPMT i\u015flevi kullan\u0131l\u0131r.<\/p>\n
      ISPMT(0.07\/4, 2, 2*4, 50000) <\/code> <\/pre>\n
    Bu \u00f6rnekte, y\u0131ll\u0131k %7 faiz oran\u0131 ile 2 y\u0131l vadeli, ba\u015flang\u0131\u00e7ta 50.000 TL de\u011ferindeki bir yat\u0131r\u0131m i\u00e7in ikinci \u00e7eyre\u011fin faiz \u00f6demesini hesaplamaktay\u0131z. \u00c7\u0131kan sonu\u00e7, o d\u00f6nem i\u00e7in \u00f6denen faizin miktar\u0131n\u0131 g\u00f6sterir.<\/p>\n
    Sonu\u00e7 ve Genel De\u011ferlendirme<\/h2>\n
    ISPMT i\u015flevi, kredi \u00f6demeleri ve yat\u0131r\u0131m getirilerinin d\u00f6nemsel faizlerini anlamak i\u00e7in olduk\u00e7a yararl\u0131 bir ara\u00e7t\u0131r. Hesaplamalar sayesinde finansal planlamalar\u0131n\u0131z\u0131 daha efektif bir \u015fekilde y\u00f6netebilirsiniz. Excel ve Google E-Tablolar’da bu i\u015flevin do\u011fru kullan\u0131m\u0131, bor\u00e7 y\u00f6netimi ve yat\u0131r\u0131m de\u011ferlendirme s\u00fcre\u00e7lerinizi kolayla\u015ft\u0131racakt\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Yat\u0131r\u0131m\u0131n belirli bir d\u00f6nemi boyunca \u00f6denen faizi hesaplar<\/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-15505","post","type-post","status-publish","format-standard","hentry","category-finansal"],"acf":[],"yoast_head":"\nExcel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri<\/title>\n<meta name=\"description\" content=\"Excel ve Google E-Tablolar'da ISPMT fonksiyonunun detayl\u0131 incelemesi. S\u00f6z dizimi, form\u00fcl\u00fcn kullan\u0131m \u00f6rnekleri ve parametrelerin a\u00e7\u0131klamas\u0131.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/functiontranslator.com\/tr\/ispmt\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri\" \/>\n<meta property=\"og:description\" content=\"Excel ve Google E-Tablolar'da ISPMT fonksiyonunun detayl\u0131 incelemesi. S\u00f6z dizimi, form\u00fcl\u00fcn kullan\u0131m \u00f6rnekleri ve parametrelerin a\u00e7\u0131klamas\u0131.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/functiontranslator.com\/tr\/ispmt\/\" \/>\n<meta property=\"og:site_name\" content=\"Function Translator\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-15T13:34:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-25T16:30:09+00:00\" \/>\n<meta name=\"author\" content=\"glavadmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri\" \/>\n<meta name=\"twitter:label1\" content=\"Yazan:\" \/>\n\t<meta name=\"twitter:data1\" content=\"glavadmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/functiontranslator.com\/tr\/ispmt\/\",\"url\":\"https:\/\/functiontranslator.com\/tr\/ispmt\/\",\"name\":\"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri\",\"isPartOf\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\"},\"datePublished\":\"2025-07-15T13:34:53+00:00\",\"dateModified\":\"2021-02-25T16:30:09+00:00\",\"author\":{\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\"},\"description\":\"Excel ve Google E-Tablolar'da ISPMT fonksiyonunun detayl\u0131 incelemesi. S\u00f6z dizimi, form\u00fcl\u00fcn kullan\u0131m \u00f6rnekleri ve parametrelerin a\u00e7\u0131klamas\u0131.\",\"breadcrumb\":{\"@id\":\"https:\/\/functiontranslator.com\/tr\/ispmt\/#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/functiontranslator.com\/tr\/ispmt\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/functiontranslator.com\/tr\/ispmt\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Excel i\u015flevleri\",\"item\":\"https:\/\/functiontranslator.com\/tr\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finansal\",\"item\":\"https:\/\/functiontranslator.com\/tr\/finansal\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"ISPMT\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#website\",\"url\":\"https:\/\/functiontranslator.com\/no\/\",\"name\":\"Function Translator\",\"description\":\"Excel function translator\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/functiontranslator.com\/no\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389\",\"name\":\"glavadmin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g\",\"caption\":\"glavadmin\"},\"sameAs\":[\"https:\/\/functiontranslator.com\"],\"url\":\"https:\/\/functiontranslator.com\/tr\/author\/glavadmin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri","description":"Excel ve Google E-Tablolar'da ISPMT fonksiyonunun detayl\u0131 incelemesi. S\u00f6z dizimi, form\u00fcl\u00fcn kullan\u0131m \u00f6rnekleri ve parametrelerin a\u00e7\u0131klamas\u0131.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/functiontranslator.com\/tr\/ispmt\/","og_locale":"tr_TR","og_type":"article","og_title":"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri","og_description":"Excel ve Google E-Tablolar'da ISPMT fonksiyonunun detayl\u0131 incelemesi. S\u00f6z dizimi, form\u00fcl\u00fcn kullan\u0131m \u00f6rnekleri ve parametrelerin a\u00e7\u0131klamas\u0131.","og_url":"https:\/\/functiontranslator.com\/tr\/ispmt\/","og_site_name":"Function Translator","article_published_time":"2025-07-15T13:34:53+00:00","article_modified_time":"2021-02-25T16:30:09+00:00","author":"glavadmin","twitter_card":"summary_large_image","twitter_title":"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri","twitter_misc":{"Yazan:":"glavadmin","Tahmini okuma s\u00fcresi":"2 dakika"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/functiontranslator.com\/tr\/ispmt\/","url":"https:\/\/functiontranslator.com\/tr\/ispmt\/","name":"Excel'de ISPMT Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri","isPartOf":{"@id":"https:\/\/functiontranslator.com\/no\/#website"},"datePublished":"2025-07-15T13:34:53+00:00","dateModified":"2021-02-25T16:30:09+00:00","author":{"@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389"},"description":"Excel ve Google E-Tablolar'da ISPMT fonksiyonunun detayl\u0131 incelemesi. S\u00f6z dizimi, form\u00fcl\u00fcn kullan\u0131m \u00f6rnekleri ve parametrelerin a\u00e7\u0131klamas\u0131.","breadcrumb":{"@id":"https:\/\/functiontranslator.com\/tr\/ispmt\/#breadcrumb"},"inLanguage":"tr","potentialAction":[{"@type":"ReadAction","target":["https:\/\/functiontranslator.com\/tr\/ispmt\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/functiontranslator.com\/tr\/ispmt\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Excel i\u015flevleri","item":"https:\/\/functiontranslator.com\/tr\/"},{"@type":"ListItem","position":2,"name":"Finansal","item":"https:\/\/functiontranslator.com\/tr\/finansal\/"},{"@type":"ListItem","position":3,"name":"ISPMT"}]},{"@type":"WebSite","@id":"https:\/\/functiontranslator.com\/no\/#website","url":"https:\/\/functiontranslator.com\/no\/","name":"Function Translator","description":"Excel function translator","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/functiontranslator.com\/no\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"tr"},{"@type":"Person","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/87663eece497ca58643166ecb09f1389","name":"glavadmin","image":{"@type":"ImageObject","inLanguage":"tr","@id":"https:\/\/functiontranslator.com\/no\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/03ccd9347c5339db75deede5a8c5b2bf1d40e0bce26a5251fcaac6331d381db8?s=96&d=mm&r=g","caption":"glavadmin"},"sameAs":["https:\/\/functiontranslator.com"],"url":"https:\/\/functiontranslator.com\/tr\/author\/glavadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/posts\/15505","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/comments?post=15505"}],"version-history":[{"count":2,"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/posts\/15505\/revisions"}],"predecessor-version":[{"id":27055,"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/posts\/15505\/revisions\/27055"}],"wp:attachment":[{"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/media?parent=15505"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/categories?post=15505"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/functiontranslator.com\/tr\/wp-json\/wp\/v2\/tags?post=15505"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}