APR, faiz ve \u00e7o\u011fu \u00fccret dahil olmak \u00fczere para \u00f6d\u00fcn\u00e7 alman\u0131n y\u0131ll\u0131k maliyetini yans\u0131t\u0131rken, APY ise bile\u015fik faizin etkisi de dahil olmak \u00fczere yat\u0131rd\u0131\u011f\u0131n\u0131z veya yat\u0131r\u0131m yapt\u0131\u011f\u0131n\u0131z paran\u0131n y\u0131ll\u0131k getirisini yans\u0131t\u0131r. \u0130kisini kar\u0131\u015ft\u0131rmak, bile\u015fik faiz nedeniyle ayn\u0131 nominal faiz oran\u0131 i\u00e7in kar\u015f\u0131la\u015ft\u0131r\u0131labilir bir APR'den daha b\u00fcy\u00fck g\u00f6r\u00fcnd\u00fc\u011f\u00fc i\u00e7in, bir kredinin ger\u00e7ek maliyetini hafife alman\u0131za veya bir tasarruf hesab\u0131n\u0131n ger\u00e7ek kazanc\u0131n\u0131 abartman\u0131za yol a\u00e7abilir.<\/p>\n
APR ve APY, ayn\u0131 k\u0131saltman\u0131n farkl\u0131 \u015fekillerde yaz\u0131lm\u0131\u015f hali gibi geliyor ve bu benzerlik, ki\u015fisel finans alan\u0131ndaki di\u011fer terim \u00e7iftlerine k\u0131yasla daha fazla finansal kafa kar\u0131\u015f\u0131kl\u0131\u011f\u0131na neden oluyor. Bunlar birbirinin yerine kullan\u0131lamaz ve bir kredi teklifini bir tasarruf hesab\u0131yla kar\u015f\u0131la\u015ft\u0131r\u0131rken bunlar\u0131 kar\u0131\u015ft\u0131rmak, ger\u00e7ekten maliyetli bir yanl\u0131\u015f anlamaya yol a\u00e7abilir.<\/p>\n
Buna g\u00f6re T\u00fcketici Finansal Koruma B\u00fcrosu<\/a>Kredi verenlerin, Kredi \u015eeffafl\u0131\u011f\u0131 Yasas\u0131 uyar\u0131nca y\u0131ll\u0131k faiz oran\u0131n\u0131 (APR) a\u00e7\u0131klamalar\u0131 gerekmektedir; b\u00f6ylece bor\u00e7lular, farkl\u0131 teklifler aras\u0131ndaki ger\u00e7ek kredi maliyetini kar\u015f\u0131la\u015ft\u0131rabilirler. FDIC<\/a> Benzer \u015fekilde, tasarruf sahiplerinin kurumlar aras\u0131 ger\u00e7ek y\u0131ll\u0131k getiriyi kar\u015f\u0131la\u015ft\u0131rabilmeleri i\u00e7in bankalar\u0131n mevduat hesaplar\u0131ndaki y\u0131ll\u0131k getiri oran\u0131n\u0131 (APY) a\u00e7\u0131klamalar\u0131 gerekmektedir.<\/p>\n Y\u0131ll\u0131k faiz oran\u0131 (APR), bile\u015fik faizi hesaba katmadan, faiz ve belirli \u00fccretler dahil olmak \u00fczere bir y\u0131l i\u00e7indeki bor\u00e7lanma maliyetini \u00f6l\u00e7er. Y\u0131ll\u0131k getiri oran\u0131 (APY) ise, bir y\u0131l i\u00e7inde yat\u0131r\u0131lan veya yat\u0131r\u0131m yap\u0131lan paran\u0131n getirisini \u00f6l\u00e7er ve bile\u015fik faizi hesaba katar; yani faizin y\u0131l boyunca faiz kazanmas\u0131n\u0131 yans\u0131t\u0131r.<\/p>\n Bile\u015fik faiz fark\u0131, temel teknik ayr\u0131md\u0131r. Ayl\u0131k olarak bile\u015fik faizle %5 faiz oran\u0131 sunan bir tasarruf hesab\u0131, her ay\u0131n faizi y\u0131l\u0131n geri kalan\u0131nda kendi faizini kazanmaya ba\u015flad\u0131\u011f\u0131 i\u00e7in, y\u0131ll\u0131k getiri oran\u0131 (APY) %5'in biraz \u00fczerinde olacakt\u0131r.<\/p>\n Deneyimden yola \u00e7\u0131karak: K\u00fc\u00e7\u00fck bir i\u015fletme sahibi, biri %6 y\u0131ll\u0131k faiz oran\u0131yla, di\u011feri ise sat\u0131\u015f temsilcisinin \"y\u00fczde 6 oran\" olarak adland\u0131rd\u0131\u011f\u0131 ancak bunun asl\u0131nda y\u0131ll\u0131k getiri oran\u0131 (APY) rakam\u0131 oldu\u011funu a\u00e7\u0131klamad\u0131\u011f\u0131, yayg\u0131n ve yan\u0131lt\u0131c\u0131 bir sat\u0131\u015f takti\u011fi olan iki i\u015fletme kredisi teklifini kar\u015f\u0131la\u015ft\u0131rd\u0131. \u0130kinci teklifin ger\u00e7ek y\u0131ll\u0131k faiz oran\u0131n\u0131 (APR) ve ilk teklifte yer almayan kredi tahsis \u00fccretlerini de hesaba katt\u0131\u011f\u0131m\u0131zda, ikinci kredinin ilk bak\u0131\u015fta g\u00f6r\u00fcnd\u00fc\u011f\u00fcnden \u00e7ok daha pahal\u0131 oldu\u011fu ortaya \u00e7\u0131kt\u0131.<\/em><\/p>\n \u00d6zetle:<\/strong> Kredileri kar\u015f\u0131la\u015ft\u0131r\u0131rken, her zaman y\u0131ll\u0131k faiz oran\u0131n\u0131 (APR) y\u0131ll\u0131k faiz oran\u0131yla (APR) kar\u015f\u0131la\u015ft\u0131r\u0131n. Tasarruf veya yat\u0131r\u0131m hesaplar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131rken, her zaman y\u0131ll\u0131k getiri oran\u0131n\u0131 (APY) y\u0131ll\u0131k getiri oran\u0131yla (APY) kar\u015f\u0131la\u015ft\u0131r\u0131n. Bir y\u0131ll\u0131k faiz oran\u0131 (APR) rakam\u0131n\u0131 do\u011frudan bir y\u0131ll\u0131k getiri oran\u0131 (APY) rakam\u0131yla kar\u015f\u0131la\u015ft\u0131rmak, her iki y\u00f6nde de \u00e7arp\u0131t\u0131lm\u0131\u015f bir tablo ortaya \u00e7\u0131karacakt\u0131r.<\/p><\/blockquote>\n Deneyimden \u00f6rnek: \u0130lk kez tasarruf yapmaya ba\u015flayan bir ki\u015fi, biri biraz daha y\u00fcksek nominal faiz oran\u0131 sunan ancak y\u0131ll\u0131k olarak bile\u015fik faiz uygulayan, di\u011feri ise biraz daha d\u00fc\u015f\u00fck nominal faiz oran\u0131 sunan ancak g\u00fcnl\u00fck olarak bile\u015fik faiz uygulayan iki y\u00fcksek getirili tasarruf hesab\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131r\u0131yordu. Her ikisi i\u00e7in de ger\u00e7ek y\u0131ll\u0131k getiri (APY) hesaplamas\u0131n\u0131 yapt\u0131\u011f\u0131nda, \"daha d\u00fc\u015f\u00fck\" olarak ilan edilen faiz oran\u0131na sahip g\u00fcnl\u00fck bile\u015fik faizli hesap, biraz daha y\u00fcksek etkin y\u0131ll\u0131k getiri sa\u011flad\u0131; bu fark\u0131, ilan edilen nominal faiz oranlar\u0131 yerine ger\u00e7ek APY rakamlar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rsayd\u0131 tamamen ka\u00e7\u0131rabilirdi.<\/p>\n S: Y\u0131ll\u0131k getiri oran\u0131 (APY) neden her zaman nominal faiz oran\u0131ndan daha y\u00fcksektir?<\/strong> S: Daha d\u00fc\u015f\u00fck bir y\u0131ll\u0131k faiz oran\u0131 her zaman daha ucuz bir kredi anlam\u0131na m\u0131 gelir?<\/strong> S: APR ve APY ayn\u0131 say\u0131 olabilir mi?<\/strong> S: APY yaln\u0131zca tasarruf hesaplar\u0131 i\u00e7in mi kullan\u0131l\u0131r?<\/strong> S: Nominal faiz oran\u0131ndan kendi y\u0131ll\u0131k getiri oran\u0131m\u0131 (APY) nas\u0131l hesaplayabilirim?<\/strong> \u00dccretsiz ToolsTecique'de Bile\u015fik Faiz Hesaplay\u0131c\u0131<\/a> Farkl\u0131 bile\u015fik faiz s\u0131kl\u0131klar\u0131n\u0131n tasarruflar\u0131n\u0131z \u00fczerindeki ger\u00e7ek y\u0131ll\u0131k getiri (APY) etkisini g\u00f6rmenize yard\u0131mc\u0131 olur. Kay\u0131t olman\u0131za gerek yok, sadece rakamlar\u0131n\u0131z\u0131 girin ve sonucu an\u0131nda g\u00f6r\u00fcn. Kredi kar\u015f\u0131la\u015ft\u0131rmalar\u0131 i\u00e7in, Kredi Amortisman Hesaplay\u0131c\u0131s\u0131<\/a> Reklam\u0131 yap\u0131lan y\u0131ll\u0131k faiz oran\u0131n\u0131n ard\u0131ndaki ger\u00e7ek maliyet d\u00f6k\u00fcm\u00fcn\u00fc g\u00f6sterir.APR ve APY Aras\u0131ndaki Ger\u00e7ek Fark Nedir?<\/h2>\n
APR ve APY Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/h2>\n
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\n \nBak\u0131\u015f a\u00e7\u0131s\u0131<\/th>\n Nisan<\/th>\n APY<\/th>\n<\/tr>\n<\/thead>\n \n Kullan\u0131m amac\u0131<\/td>\n Krediler, kredi kartlar\u0131, ipotekler<\/td>\n Tasarruf hesaplar\u0131, vadeli mevduat hesaplar\u0131<\/td>\n<\/tr>\n \n Bile\u015fik ila\u00e7lama da dahildir.<\/td>\n HAYIR<\/td>\n Evet<\/td>\n<\/tr>\n \n Neyi temsil ediyor?<\/td>\n Size maliyeti<\/td>\n Size geri d\u00f6nece\u011fim.<\/td>\n<\/tr>\n \n Yasal a\u00e7\u0131klama y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fc<\/td>\n Kredilerde \u015eeffafl\u0131k Yasas\u0131<\/td>\n Tasarruflarda \u015eeffafl\u0131k Yasas\u0131<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n Teklifleri Kar\u015f\u0131la\u015ft\u0131r\u0131rken APR ve APY'yi Do\u011fru Kullanma Y\u00f6ntemi<\/h2>\n
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APR ve APY'yi kar\u015f\u0131la\u015ft\u0131r\u0131rken yap\u0131lan yayg\u0131n hatalar<\/h2>\n
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S\u0131k\u00e7a Sorulan Sorular<\/h2>\n
\nA: Y\u0131ll\u0131k getiri oran\u0131 (APY), bile\u015fik faizi hesaba katar; yani y\u0131l i\u00e7inde kazan\u0131lan faiz, ek faiz kazanmaya ba\u015flar. Bu da, bile\u015fik faiz hesaba kat\u0131lmadan \u00f6nceki basit nominal orandan daha y\u00fcksek bir efektif y\u0131ll\u0131k getiri oran\u0131 anlam\u0131na gelir.<\/p>\n
\nA: Genel olarak evet, \u00e7\u00fcnk\u00fc y\u0131ll\u0131k faiz oran\u0131 (APR), \u00e7o\u011fu \u00fccret dahil olmak \u00fczere toplam y\u0131ll\u0131k maliyeti yans\u0131tacak \u015fekilde tasarlanm\u0131\u015ft\u0131r; ancak yine de hangi belirli \u00fccretlerin dahil oldu\u011funu teyit etmekte fayda var, \u00e7\u00fcnk\u00fc a\u00e7\u0131klama gereklilikleri kredi t\u00fcr\u00fcne g\u00f6re de\u011fi\u015febilir.<\/p>\n
\nA: Evet, e\u011fer faiz y\u0131lda sadece bir kez bile\u015fik olarak hesaplan\u0131rsa, APR ve APY ayn\u0131 rakama yak\u0131nsar, \u00e7\u00fcnk\u00fc y\u0131l i\u00e7inde ikisi aras\u0131nda fark yaratacak ek bir bile\u015fik faiz etkisi olmaz.<\/p>\n
\nA: APY en yayg\u0131n olarak tasarruf hesaplar\u0131 ve vadeli mevduat hesaplar\u0131yla ili\u015fkilendirilir, ancak temel bile\u015fik faiz kavram\u0131, faizin y\u0131lda birden fazla kez hesapland\u0131\u011f\u0131 herhangi bir faiz getiren hesap i\u00e7in ge\u00e7erlidir.<\/p>\n
\nA: Hesaplama, bile\u015fik faiz s\u0131kl\u0131\u011f\u0131na ba\u011fl\u0131d\u0131r ve periyodik faiz oran\u0131n\u0131n y\u0131ldaki bile\u015fik faiz d\u00f6nemlerinin say\u0131s\u0131na y\u00fckseltilmesini i\u00e7erir; bu nedenle, \u00f6zel bir hesap makinesi kullanmak genellikle manuel tahminden daha g\u00fcvenilirdir.<\/p>\nKendi \u0130lgi Alanlar\u0131n\u0131za Uygun Senaryolar\u0131 Kar\u015f\u0131la\u015ft\u0131r\u0131n<\/h2>\n
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