{"id":4594,"date":"2026-11-12T15:15:53","date_gmt":"2026-11-12T12:15:53","guid":{"rendered":"https:\/\/avfurkaneryilmaz.com\/?page_id=4594"},"modified":"2026-11-12T15:15:53","modified_gmt":"2026-11-12T12:15:53","slug":"faiz-hesaplama","status":"publish","type":"page","link":"https:\/\/avfurkaneryilmaz.com\/en\/faiz-hesaplama","title":{"rendered":"Interest Calculator 2026 (Statutory and Commercial Interest)"},"content":{"rendered":"\n<style>\n.fe-tool{--b:#222;--t:#333;--m:#6b6b6b;--l:#e4e4e4;--bg:#f6f6f6;font-family:-apple-system,BlinkMacSystemFont,\"Segoe UI\",Roboto,\"Helvetica Neue\",Arial,sans-serif;color:var(--t);max-width:780px;margin:0 auto;line-height:1.55}\n.fe-tool *{box-sizing:border-box}\n.fe-tool .fe-head{text-align:center;padding:8px 0 22px;border-bottom:1px solid var(--l);margin-bottom:22px}\n.fe-tool .fe-head h2{font-size:clamp(22px,3.2vw,30px);font-weight:700;color:var(--b);margin:0 0 8px}\n.fe-tool .fe-head p{color:var(--m);margin:0 0 10px;font-size:15px}\n.fe-tool .fe-badge{display:inline-block;border:1px solid var(--l);font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--m);padding:4px 10px}\n.fe-tool .fe-card{border:1px solid var(--l);margin-bottom:18px;background:#fff}\n.fe-tool .fe-card-h{background:var(--bg);padding:14px 18px;border-bottom:1px solid var(--l);font-weight:600;color:var(--b)}\n.fe-tool .fe-card-b{padding:18px}\n.fe-tool .fe-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}\n@media(max-width:600px){.fe-tool .fe-grid{grid-template-columns:1fr}}\n.fe-tool label{display:block;font-size:13px;font-weight:600;margin-bottom:6px;color:var(--b)}\n.fe-tool input,.fe-tool select{width:100%;padding:11px 12px;border:1px solid #cfcfcf;font-size:15px;background:#fff;color:var(--t);border-radius:0}\n.fe-tool input:focus{outline:2px solid var(--b);outline-offset:-1px}\n.fe-tool .fe-hint{font-size:12px;color:var(--m);margin-top:5px}\n.fe-tool button.fe-btn{width:100%;padding:14px;background:var(--b);color:#fff;border:0;font-size:15px;font-weight:600;cursor:pointer;letter-spacing:.02em}\n.fe-tool button.fe-btn:hover{background:#000}\n.fe-tool .fe-res{display:none;margin-top:18px}\n.fe-tool table.fe-tbl{width:100%;border-collapse:collapse;font-size:14px}\n.fe-tool .fe-tbl td{padding:10px 12px;border-bottom:1px solid var(--l)}\n.fe-tool .fe-tbl td:last-child{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}\n.fe-tool .fe-tbl tr.fe-total td{font-weight:700;color:var(--b);background:var(--bg)}\n.fe-tool .fe-err{display:none;border:1px solid #c0392b;color:#c0392b;padding:12px 14px;margin-top:14px;font-size:14px}\n.fe-tool .fe-note{font-size:12.5px;color:var(--m);border-left:3px solid var(--l);padding:4px 0 4px 12px;margin-top:14px}\n.fe-tool .fe-cta{margin-top:18px;padding:16px 18px;background:var(--bg);border:1px solid var(--l);font-size:14px}\n.fe-tool .fe-cta a{color:var(--b);font-weight:700}\n.fe-tool .fe-dokum td{text-align:right}\n.fe-tool .fe-dokum td:first-child{text-align:left;white-space:nowrap}\n.fe-tool select{appearance:auto}\n<\/style>\n<div class=\"fe-tool\" id=\"fe-faiz\">\n  <div class=\"fe-head\">\n    <h2>Faiz Hesaplama (Yasal ve Ticari Faiz)<\/h2>\n    <p>Alaca\u011f\u0131n\u0131z\u0131n temerr\u00fct tarihinden \u00f6deme tarihine kadar i\u015fleyen yasal veya ticari (avans) faizini d\u00f6nem d\u00f6nem hesaplay\u0131n.<\/p>\n    <span class=\"fe-badge\">3095 s. Kanun m.1\u20132 \u00b7 Oranlar TCMB&#8217;den otomatik al\u0131n\u0131r<\/span>\n  <\/div>\n  <div class=\"fe-card\">\n    <div class=\"fe-card-h\">Alacak Bilgileri<\/div>\n    <div class=\"fe-card-b fe-grid\">\n      <div><label for=\"ff-ana\">Anapara (TL)<\/label><input type=\"text\" inputmode=\"decimal\" id=\"ff-ana\" placeholder=\"\u00d6r: 100.000\"><\/div>\n      <div><label for=\"ff-tur\">Faiz T\u00fcr\u00fc<\/label><select id=\"ff-tur\"><option value=\"yasal\">Yasal (kanuni) faiz<\/option><option value=\"ticari\">Ticari temerr\u00fct faizi (avans faizi)<\/option><option value=\"sabit\">S\u00f6zle\u015fmede belirlenen sabit oran<\/option><\/select><\/div>\n      <div><label for=\"ff-bas\">Ba\u015flang\u0131\u00e7 (Temerr\u00fct) Tarihi<\/label><input type=\"date\" id=\"ff-bas\"><\/div>\n      <div><label for=\"ff-bit\">Biti\u015f (\u00d6deme) Tarihi<\/label><input type=\"date\" id=\"ff-bit\"><\/div>\n      <div id=\"ff-sabit-w\" style=\"display:none\"><label for=\"ff-sabit\">Y\u0131ll\u0131k Faiz Oran\u0131 (%)<\/label><input type=\"text\" inputmode=\"decimal\" id=\"ff-sabit\" placeholder=\"\u00d6r: 36\"><\/div>\n    <\/div>\n  <\/div>\n  <button class=\"fe-btn\" type=\"button\" id=\"ff-btn\">Hesapla<\/button>\n  <div class=\"fe-hint\" id=\"ff-src\" style=\"text-align:center;margin-top:8px\">TCMB oranlar\u0131 y\u00fckleniyor\u2026<\/div>\n  <div class=\"fe-err\" id=\"ff-err\"><\/div>\n  <div class=\"fe-res\" id=\"ff-res\">\n    <div class=\"fe-card\"><div class=\"fe-card-h\">\u00d6zet<\/div><div class=\"fe-card-b\"><table class=\"fe-tbl\" id=\"ff-ozet\"><\/table><\/div><\/div>\n    <div class=\"fe-card\"><div class=\"fe-card-h\">D\u00f6nemsel D\u00f6k\u00fcm<\/div><div class=\"fe-card-b\" style=\"overflow-x:auto\"><table class=\"fe-tbl fe-dokum\" id=\"ff-dok\"><\/table><\/div><\/div>\n    <div class=\"fe-note\">Yasal faiz; 01.01.2006\u201331.05.2024 aras\u0131nda %9, 01.06.2024\u201330.07.2026 aras\u0131nda %24&#8217;t\u00fcr. 31.07.2026&#8217;dan itibaren 3095 s. Kanun m.1 uyar\u0131nca bir \u00f6nceki y\u0131l\u0131n 31 Aral\u0131k g\u00fcn\u00fc ge\u00e7erli TCMB reeskont oran\u0131n\u0131n %80&#8217;i uygulan\u0131r; 30 Haziran&#8217;daki oran 5 puan veya daha fazla de\u011fi\u015fmi\u015fse y\u0131l\u0131n ikinci yar\u0131s\u0131nda bu oran\u0131n %80&#8217;i esas al\u0131n\u0131r. Ticari temerr\u00fct faizi (m.2\/2), TCMB&#8217;nin 31 Aral\u0131k&#8217;taki k\u0131sa vadeli avans oran\u0131d\u0131r ve ayn\u0131 5 puan kural\u0131yla yar\u0131y\u0131ll\u0131k g\u00fcncellenir; kanuni faizden d\u00fc\u015f\u00fck olamaz. Hesaplamada y\u0131l 365 g\u00fcn kabul edilmi\u015ftir. Sonu\u00e7lar bilgilendirme ama\u00e7l\u0131d\u0131r.<\/div>\n    <div class=\"fe-cta\">Alaca\u011f\u0131n\u0131z\u0131n tahsili veya icra takibi i\u00e7in Denizli&#8217;deki ofisimizden bilgi almak \u00fczere <a href=\"tel:+905545131497\">0554 513 14 97<\/a> numaras\u0131n\u0131 arayabilirsiniz.<\/div>\n  <\/div>\n<\/div>\n<script>\n(function(){\n  var FALLBACK=[[\"2004-06-15\",38,42],[\"2005-01-13\",32,35],[\"2005-05-25\",28,30],[\"2005-12-20\",23,25],[\"2006-12-20\",27,29],[\"2007-12-28\",25,27],[\"2009-04-09\",19,20],[\"2009-06-12\",18,19],[\"2009-12-22\",15,16],[\"2010-12-30\",14,15],[\"2011-12-29\",17,17.75],[\"2012-06-19\",16,16.5],[\"2012-12-20\",13.5,13.75],[\"2013-06-21\",9.5,11],[\"2013-12-27\",10.25,11.75],[\"2014-12-14\",9,10.5],[\"2016-12-31\",8.75,9.75],[\"2018-06-29\",18.5,19.5],[\"2019-10-11\",17.25,18.25],[\"2019-12-21\",12.75,13.75],[\"2020-06-13\",9,10],[\"2020-12-19\",15.75,16.75],[\"2021-12-31\",14.75,15.75],[\"2022-12-31\",9.75,10.75],[\"2023-06-24\",15.75,16.75],[\"2023-09-01\",25.75,26.75],[\"2023-09-28\",30.75,31.75],[\"2023-11-01\",35.75,36.75],[\"2023-12-01\",40.75,41.75],[\"2023-12-23\",43.25,44.25],[\"2024-04-01\",50.75,51.75],[\"2024-12-28\",48.25,49.25],[\"2025-03-08\",43.25,44.25],[\"2025-09-17\",41.25,42.25],[\"2025-12-20\",38.75,39.75]];\n  var ROWS=FALLBACK.map(function(r){return {date:r[0],reeskont:r[1],avans:r[2]};});\n  function $(i){return document.getElementById(i);}\n  function num(v){v=String(v||\"\").trim().replace(\/\\s\/g,\"\").replace(\"%\",\"\");if(!v)return NaN;if(v.indexOf(\",\")>-1){v=v.replace(\/\\.\/g,\"\").replace(\",\",\".\");}else if((v.match(\/\\.\/g)||[]).length>1||\/\\.\\d{3}$\/.test(v)){v=v.replace(\/\\.\/g,\"\");}var n=parseFloat(v);return isNaN(n)?NaN:n;}\n  function tl(n){return n.toLocaleString(\"tr-TR\",{minimumFractionDigits:2,maximumFractionDigits:2})+\" TL\";}\n  function pct(n){return \"%\"+(Math.round(n*100)\/100).toLocaleString(\"tr-TR\");}\n  function trd(s){var p=s.split(\"-\");return p[2]+\".\"+p[1]+\".\"+p[0];}\n  function d2s(d){return d.getUTCFullYear()+\"-\"+String(d.getUTCMonth()+1).padStart(2,\"0\")+\"-\"+String(d.getUTCDate()).padStart(2,\"0\");}\n  function s2d(s){return new Date(s+\"T00:00:00Z\");}\n  function addDays(s,n){var d=s2d(s);d.setUTCDate(d.getUTCDate()+n);return d2s(d);}\n  function days(a,b){return Math.round((s2d(b)-s2d(a))\/86400000);}\n  function rateOn(s,key){var v=null;for(var i=0;i<ROWS.length;i++){if(ROWS[i].date<=s){v=ROWS[i][key];}else{break;}}return v;}\n  function halfRate(year,half,key){var dec=rateOn((year-1)+\"-12-31\",key);if(half===1)return dec;var jun=rateOn(year+\"-06-30\",key);if(jun===null)return dec;return Math.abs(jun-dec)>=5?jun:dec;}\n  function yasalOn(s){\n    if(s<\"2026-07-31\"){return s<\"2024-06-01\"?9:24;}\n    var y=+s.slice(0,4),h=s.slice(5)<\"07-01\"?1:2,r=halfRate(y,h,\"reeskont\");return r===null?null:Math.round(r*0.8*100)\/100;\n  }\n  function ticariOn(s){var y=+s.slice(0,4),h=s.slice(5)<\"07-01\"?1:2,a=halfRate(y,h,\"avans\"),k=yasalOn(s);if(a===null)return k;return a>k?a:k;}\n  function boundaries(a,b){var set={};var y0=+a.slice(0,4),y1=+b.slice(0,4);for(var y=y0;y<=y1+1;y++){set[y+\"-01-01\"]=1;set[y+\"-07-01\"]=1;}set[\"2024-06-01\"]=1;set[\"2026-07-31\"]=1;return Object.keys(set).filter(function(x){return x>a?x<b:false;}).sort();}\n  function err(m){var e=$(\"ff-err\");e.textContent=m;e.style.display=\"block\";$(\"ff-res\").style.display=\"none\";}\n  try{var t=new Date();$(\"ff-bit\").value=t.getFullYear()+\"-\"+String(t.getMonth()+1).padStart(2,\"0\")+\"-\"+String(t.getDate()).padStart(2,\"0\");}catch(e){}\n  $(\"ff-tur\").addEventListener(\"change\",function(){$(\"ff-sabit-w\").style.display=this.value===\"sabit\"?\"block\":\"none\";});\n  fetch(\"\/wp-json\/fe\/v1\/tcmb-faiz\").then(function(r){return r.json();}).then(function(j){\n    if(j.rows){if(j.rows.length>=5){ROWS=j.rows;var f=j.fetched?new Date(j.fetched).toLocaleDateString(\"tr-TR\"):\"\";$(\"ff-src\").textContent=\"Oranlar TCMB'den al\u0131nd\u0131\"+(f?\" (g\u00fcncelleme: \"+f+\")\":\"\")+\". Son de\u011fi\u015fiklik: \"+trd(ROWS[ROWS.length-1].date)+\" \u2013 reeskont \"+pct(ROWS[ROWS.length-1].reeskont)+\", avans \"+pct(ROWS[ROWS.length-1].avans)+\".\";return;}}\n    throw new Error(\"veri yok\");\n  }).catch(function(){$(\"ff-src\").textContent=\"TCMB'ye \u015fu an ula\u015f\u0131lamad\u0131; kay\u0131tl\u0131 oran tablosu (son de\u011fi\u015fiklik 20.12.2025) kullan\u0131l\u0131yor.\";});\n  $(\"ff-btn\").addEventListener(\"click\",function(){\n    $(\"ff-err\").style.display=\"none\";\n    var P=num($(\"ff-ana\").value),a=$(\"ff-bas\").value,b=$(\"ff-bit\").value,tur=$(\"ff-tur\").value,sabit=num($(\"ff-sabit\").value);\n    if(!(P>0))return err(\"L\u00fctfen ge\u00e7erli bir anapara girin.\");\n    if(!a||!b)return err(\"L\u00fctfen ba\u015flang\u0131\u00e7 ve biti\u015f tarihlerini girin.\");\n    if(b<=a)return err(\"Biti\u015f tarihi, ba\u015flang\u0131\u00e7 tarihinden sonra olmal\u0131d\u0131r.\");\n    if(tur!==\"sabit\"){if(a<\"2006-01-01\")return err(\"Yasal ve ticari faiz hesab\u0131 01.01.2006 ve sonras\u0131 i\u00e7in yap\u0131labilmektedir.\");}\n    if(tur===\"sabit\"){if(!(sabit>0)||sabit>500)return err(\"L\u00fctfen ge\u00e7erli bir y\u0131ll\u0131k faiz oran\u0131 girin.\");}\n    var pts=[a].concat(tur===\"sabit\"?[]:boundaries(a,b)).concat([b]),segs=[],toplam=0,gun=0;\n    for(var i=0;i<pts.length-1;i++){\n      var s=pts[i],e=pts[i+1],g=days(s,e),r=tur===\"sabit\"?sabit:(tur===\"yasal\"?yasalOn(s):ticariOn(s));\n      if(r===null)return err(\"Bu d\u00f6nem i\u00e7in oran bulunamad\u0131.\");\n      if(segs.length){var L=segs[segs.length-1];if(L.r===r){L.e=e;L.g+=g;continue;}}\n      segs.push({s:s,e:e,g:g,r:r});\n    }\n    var dok='<tr><td style=\"text-align:left\"><b>D\u00f6nem<\/b><\/td><td><b>G\u00fcn<\/b><\/td><td><b>Oran<\/b><\/td><td><b>Faiz<\/b><\/td><\/tr>';\n    segs.forEach(function(x){var f=P*x.r\/100*x.g\/365;toplam+=f;gun+=x.g;dok+='<tr><td style=\"text-align:left\">'+trd(x.s)+\" \u2013 \"+trd(x.e===b?x.e:addDays(x.e,-1))+'<\/td><td>'+x.g+'<\/td><td>'+pct(x.r)+'<\/td><td>'+tl(f)+'<\/td><\/tr>';});\n    var adi={yasal:\"Yasal (kanuni) faiz\",ticari:\"Ticari temerr\u00fct (avans) faizi\",sabit:\"S\u00f6zle\u015fmesel faiz (\"+pct(sabit)+\")\"}[tur];\n    $(\"ff-dok\").innerHTML=dok;\n    $(\"ff-ozet\").innerHTML='<tr><td>Faiz t\u00fcr\u00fc<\/td><td>'+adi+'<\/td><\/tr><tr><td>Anapara<\/td><td>'+tl(P)+'<\/td><\/tr><tr><td>S\u00fcre<\/td><td>'+gun+' g\u00fcn<\/td><\/tr><tr><td>\u0130\u015fleyen faiz<\/td><td>'+tl(toplam)+'<\/td><\/tr><tr class=\"fe-total\"><td>Anapara + faiz<\/td><td>'+tl(P+toplam)+'<\/td><\/tr>';\n    $(\"ff-res\").style.display=\"block\";\n  });\n})();\n<\/script>\n\n\n<h2 class=\"wp-block-heading\">Yasal Faiz ve Ticari Faiz Nas\u0131l Hesaplan\u0131r?<\/h2>\n\n\n<p class=\"wp-block-paragraph\">3095 say\u0131l\u0131 Kanuni Faiz ve Temerr\u00fct Faizine \u0130li\u015fkin Kanun&#8217;da 31 Temmuz 2026&#8217;da yap\u0131lan de\u011fi\u015fiklikle yasal faiz oran\u0131, Merkez Bankas\u0131 reeskont oran\u0131na ba\u011fland\u0131. Buna g\u00f6re kanuni faiz, bir \u00f6nceki y\u0131l\u0131n son g\u00fcn\u00fc ge\u00e7erli reeskont oran\u0131n\u0131n y\u00fczde 80&#8217;idir. Ticari i\u015flerde ise temerr\u00fct faizi olarak Merkez Bankas\u0131&#8217;n\u0131n k\u0131sa vadeli avans faiz oran\u0131 talep edilebilir. Faiz, her d\u00f6nemde o d\u00f6nem y\u00fcr\u00fcrl\u00fckte olan oran \u00fczerinden ayr\u0131 ayr\u0131 hesaplan\u0131r; ara\u00e7 bu d\u00f6nemleri otomatik olarak b\u00f6ler.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Alacak tahsili, icra takibi ve faiz alacaklar\u0131yla ilgili Denizli&#8217;de hukuki destek i\u00e7in <a href=\"\/icra-hukuku\">\u0130cra Hukuku<\/a> sayfam\u0131z\u0131 inceleyebilirsiniz.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Faiz Hesaplama (Yasal ve Ticari Faiz) Alaca\u011f\u0131n\u0131z\u0131n temerr\u00fct tarihinden \u00f6deme tarihine kadar i\u015fleyen yasal veya ticari (avans) faizini d\u00f6nem d\u00f6nem hesaplay\u0131n. 3095 s. Kanun m.1\u20132 \u00b7 Oranlar TCMB&#8217;den otomatik al\u0131n\u0131r Alacak Bilgileri Anapara (TL) Faiz T\u00fcr\u00fcYasal (kanuni) faizTicari temerr\u00fct faizi (avans faizi)S\u00f6zle\u015fmede belirlenen sabit oran Ba\u015flang\u0131\u00e7 (Temerr\u00fct) Tarihi Biti\u015f (\u00d6deme) Tarihi Y\u0131ll\u0131k Faiz Oran\u0131 (%) [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4594","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/pages\/4594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/comments?post=4594"}],"version-history":[{"count":1,"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/pages\/4594\/revisions"}],"predecessor-version":[{"id":4595,"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/pages\/4594\/revisions\/4595"}],"wp:attachment":[{"href":"https:\/\/avfurkaneryilmaz.com\/en\/wp-json\/wp\/v2\/media?parent=4594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}