{"id":15601,"date":"2025-07-15T13:34:52","date_gmt":"2025-07-15T13:34:52","guid":{"rendered":"https:\/\/functiontranslator.com\/bd\/"},"modified":"2021-02-25T16:34:09","modified_gmt":"2021-02-25T16:34:09","slug":"pv","status":"publish","type":"post","link":"https:\/\/functiontranslator.com\/tr\/pv\/","title":{"rendered":"BD"},"content":{"rendered":"

PV \u0130\u015flevinin Temel Kullan\u0131m\u0131<\/h2>\n

PV i\u015flevi, finansal hesaplamalar i\u00e7erisinde en de\u011ferli ara\u00e7lardan birisidir. PV (G\u00fcncel De\u011fer, Present Value) i\u015flemi, belirli bir faiz oran\u0131 ve s\u00fcre dahilinde belirlenen sabit \u00f6demelerin bug\u00fcnk\u00fc de\u011ferini hesaplamak i\u00e7in kullan\u0131l\u0131r. MS Excel ve Google E-Tablolar her ikisi de bu i\u015flevi desteklemektedir, ancak s\u00f6zdizimlerinde ufak farkl\u0131l\u0131klar bulunabilir.<\/p>\n

\u0130\u015flevin Tan\u0131m\u0131 ve S\u00f6zdizimi<\/h2>\n

MS Excel ve Google E-Tablolar’daki PV i\u015flevi i\u00e7in genel s\u00f6zdizimi \u015fu \u015fekildedir:<\/p>\n

 PV(rate, nper, pmt, [fv], [type])<\/code> <\/pre>\n
    \n
  • rate<\/strong>: Periyot ba\u015f\u0131na faiz oran\u0131n\u0131 temsil eder.<\/li>\n
  • nper<\/strong>: Toplam \u00f6deme say\u0131s\u0131n\u0131 ifade eder.<\/li>\n
  • pmt<\/strong>: Her bir \u00f6deme periyodu i\u00e7in yap\u0131lan \u00f6demelerin tutar\u0131d\u0131r.<\/li>\n
  • fv<\/strong>: (Opsiyonel) Kredinin sonunda kalan tutar\u0131 belirtir, varsay\u0131lan de\u011feri 0’d\u0131r.<\/li>\n
  • type<\/strong>: (Opsiyonel) \u00d6demelerin d\u00f6nem ba\u015f\u0131nda (1) veya sonunda (0) yap\u0131ld\u0131\u011f\u0131n\u0131 belirten say\u0131. Varsay\u0131lan de\u011feri 0’d\u0131r.<\/li>\n<\/ul>\n
    Pratik G\u00f6revler ve Form\u00fcl Uygulamalar\u0131<\/h2>\n
    1. \u00d6rnek: Yat\u0131r\u0131m\u0131n Bug\u00fcnk\u00fc De\u011feri<\/h3>\n
    Diyelim ki, y\u0131ll\u0131k %5 faiz oran\u0131 ile 10 y\u0131l s\u00fcreyle yat\u0131r\u0131m yapmay\u0131 planl\u0131yorsunuz ve her y\u0131l\u0131n sonunda 1000 TL yat\u0131rma imkan\u0131n\u0131z var. Yat\u0131r\u0131m\u0131n bug\u00fcnk\u00fc de\u011ferini hesaplamak istiyorsunuz:<\/p>\n
     PV(0.05, 10, -1000)<\/code> <\/pre>\n
    Bu form\u00fcl, 10 y\u0131l boyunca her y\u0131l i\u00e7in 1000 TL yat\u0131rman\u0131n \u015fu anki de\u011ferini %5 faiz oran\u0131na g\u00f6re hesaplar. Burada pmt<\/em> negatif de\u011fer olarak girilmi\u015ftir \u00e7\u00fcnk\u00fc bu bir \u00f6deme \u00e7\u0131k\u0131\u015f\u0131n\u0131 ifade eder.<\/p>\n
    2. \u00d6rnek: \u00d6\u011frenim Kredisi Geri \u00d6demeleri<\/h3>\n
    \u00d6\u011frenim kredisi i\u00e7in ayda 500 TL \u00f6deyece\u011finiz, 10 y\u0131l vadeli ve y\u0131ll\u0131k %8 faiz oran\u0131 \u00fczerinden kredi \u00e7ektiniz. Kredinin bug\u00fcnk\u00fc de\u011ferini hesaplama:<\/p>\n
     PV(0.08\/12, 10*12, -500)<\/code> <\/pre>\n
    Bu durumda, faiz oran\u0131 ve \u00f6deme s\u00fcresi ayl\u0131k bazda hesaplama gerektirdi\u011fi i\u00e7in oran ve nper ayarlanmal\u0131d\u0131r. Burada da \u00e7\u0131k\u0131\u015f \u00f6demeleri negatif olarak g\u00f6sterilmi\u015ftir.<\/p>\n
    De\u011ferlendirme ve \u0130pu\u00e7lar\u0131<\/h2>\n
    PV i\u015flevi ile yap\u0131lan hesaplamalar, yat\u0131r\u0131mlar\u0131n, kredilerin veya her t\u00fcrl\u00fc finansal planlaman\u0131n daha iyi anla\u015f\u0131labilmesini sa\u011flar. \u00d6zellikle finansal dan\u0131\u015fmanl\u0131k, b\u00fct\u00e7e planlama ve kredi y\u00f6netimi gibi alanlarda bu i\u015flev olduk\u00e7a i\u015flevseldir. PV form\u00fcl\u00fcn\u00fcn do\u011fru kullan\u0131m\u0131, gelecekteki nakit ak\u0131\u015flar\u0131n\u0131 bug\u00fcnk\u00fc de\u011ferlerine indirgerken sabit bir faiz oran\u0131 ve d\u00f6nemlik \u00f6demeleri dikkate almay\u0131 gerektirir.<\/p>\n
    PV hesaplarken, negatif ve pozitif de\u011ferlerin do\u011fru \u015fekilde girilmesi \u00f6nemlidir. Genellikle yap\u0131lan \u00f6demeler (nakit \u00e7\u0131k\u0131\u015flar\u0131) negatif, al\u0131nan paralar (nakit giri\u015fleri) ise pozitif olarak girilir.<\/p>\n","protected":false},"excerpt":{"rendered":"
    Yat\u0131r\u0131m\u0131n bug\u00fcnk\u00fc de\u011ferini 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-15601","post","type-post","status-publish","format-standard","hentry","category-finansal"],"acf":[],"yoast_head":"\nExcel'de PV (BD) Fonksiyonu: Nas\u0131l \u00c7al\u0131\u015f\u0131r, Kullan\u0131m \u00d6rnekleri<\/title>\n<meta name=\"description\" content=\"Excel ve Google E-Tablolar'da PV (BD) fonksiyonunun detayl\u0131 incelemesi. 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