Kriptoda APR (y\u0131ll\u0131k y\u00fczde oran\u0131) ve APY (y\u0131ll\u0131k y\u00fczde verim) yat\u0131r\u0131mlar ve kredi \u00fcr\u00fcnlerinin faizini hesaplamak i\u00e7in kullan\u0131lan pop\u00fcler terimlerdir. S\u0131kl\u0131kla birbirine kar\u0131\u015ft\u0131r\u0131lan bu terimlerin farklar\u0131n\u0131 inceleyece\u011fiz.<\/p>\n
APR ve APY terimleri, kripto borsalar\u0131, c\u00fczdan \u00fczerinde yap\u0131lan staking \u00f6d\u00fcl\u00fc hesaplama veya DeFi \u00fcr\u00fcnlerinde s\u0131kl\u0131kla g\u00f6r\u00fclmektedir. Ayr\u0131ca APR (y\u0131ll\u0131k y\u00fczde oran\u0131) ve APY (y\u0131ll\u0131k y\u00fczde verim), hesap bakiyelerine uyguland\u0131\u011f\u0131nda ne kadar kazan\u0131ld\u0131\u011f\u0131na veya ne kadar faiz \u00f6denmesi gerekti\u011fini hesaplamak i\u00e7in \u00f6nemli bir \u00f6l\u00e7\u00fct olarak kabul edilirler. Bu iki terim, ayn\u0131 gibi g\u00f6r\u00fclse de baz\u0131 farklar\u0131 vard\u0131r.<\/p>\n
APY (y\u0131ll\u0131k y\u00fczde verim), bile\u015fik faizi hesaba katar, ancak y\u0131ll\u0131k y\u00fczde oran\u0131 anlam\u0131na gelen APR ise bunu yapmaz. Geleneksel bankac\u0131l\u0131kta veya kripto piyasas\u0131nda, APR (y\u0131ll\u0131k y\u00fczde oran\u0131), bir kredinin ya da yat\u0131r\u0131m\u0131n anaparas\u0131na uygulanan faizi ifade eder. Geleneksel bankac\u0131l\u0131ktan da tan\u0131nan faiz oranlar\u0131 \u00e7o\u011fu ki\u015fi taraf\u0131ndan bilinmektedir. \u00d6rnek olarak, 100 dolarl\u0131k bir yat\u0131r\u0131m var ise ve y\u0131ll\u0131k y\u00fczde 5 faiz belirlenmi\u015fse, yat\u0131r\u0131m yap\u0131lan zamandan itibaren bir y\u0131l i\u00e7inde y\u00fczde 5\u2019lik bir kar sa\u011flanm\u0131\u015f olur. Tam tersi \u00f6rne\u011fi verecek olursak, y\u00fczde 5\u2019lik faiz oran\u0131ndan 100 dolar bor\u00e7 al\u0131n\u0131rsa, bir y\u0131l sonunda al\u0131nan 100 dolar ve y\u00fczde 5\u2019lik faizin geri \u00f6denmesi gerekmektedir. Bu basit hesaplama APR\u2019ye (y\u0131ll\u0131k y\u00fczde oran) dayanmaktad\u0131r.<\/p>\n
APR ad\u0131ndan da anla\u015f\u0131laca\u011f\u0131 gibi y\u0131ll\u0131k al\u0131nan bir y\u00fczde oran\u0131d\u0131r. K\u0131sacas\u0131, bir y\u0131ldan daha k\u0131sa s\u00fcreli bir yat\u0131r\u0131m ya da kredi bulunuyorsa, faiz orant\u0131l\u0131 uygulan\u0131r. \u00d6rnek olarak, y\u00fczde 5\u2019lik bir APR\u2019ye (y\u0131ll\u0131k y\u00fczde oran\u0131) sahip alt\u0131 ayl\u0131k bir yat\u0131r\u0131m, anaparan\u0131n tam olarak yar\u0131s\u0131n\u0131 yani y\u00fczde 2,5\u2019lik k\u0131sm\u0131n\u0131 kazand\u0131r\u0131r.<\/p>\n
APY (y\u0131ll\u0131k y\u00fczde verim), yat\u0131r\u0131ma ya da kredilere uygulanan bile\u015fik faizi hesaba katan bir faiz \u00f6l\u00e7\u00fcs\u00fcd\u00fcr. Faiz, herhangi bir belirli d\u00f6nemde birle\u015ftirilebilir. S\u00fcrekli, g\u00fcnl\u00fck, haftal\u0131k, ayl\u0131k veya y\u0131ll\u0131k gibi. Bile\u015fik faiz, g\u00fcnl\u00fck faiz oran\u0131n\u0131n \u00f6demeler aras\u0131ndaki g\u00fcn say\u0131s\u0131yla \u00e7arp\u0131lmas\u0131yla olu\u015fur, basit faizden farkl\u0131d\u0131r. Bile\u015fik faizin dahil\u0131 ile, tutar\u0131n faiz oran\u0131na g\u00f6re ayarland\u0131\u011f\u0131 d\u00f6nemlerin say\u0131s\u0131n\u0131 hesaba katt\u0131\u011f\u0131 i\u00e7in APY (y\u0131ll\u0131k y\u00fczde verim)\u2019nin hesaplanmas\u0131n\u0131 daha karma\u015f\u0131k hale getirir.<\/p>\n
APY ve APR\u2019yi farkl\u0131 k\u0131lan, bile\u015fik periyotlar\u0131n say\u0131s\u0131d\u0131r. Faiz bile\u015fikleri ne kadar s\u0131k olursa, APR ve APY aras\u0131ndaki fark da o kadar b\u00fcy\u00fck olmaktad\u0131r. APR ve APY aras\u0131ndaki en b\u00fcy\u00fck fark bile\u015fiktir. \u0130lk yat\u0131r\u0131m, kote edilen faiz oran\u0131, yat\u0131r\u0131m d\u00f6nemi gibi di\u011fer etmenler e\u015fit oldu\u011funda, APY(y\u0131ll\u0131k y\u00fczde verim) her zaman daha y\u00fcksek sonu\u00e7 verecektir. Pratikte \u00f6rne\u011fi verilecek olursa, bor\u00e7 para al\u0131nd\u0131\u011f\u0131nda APR oranlar\u0131n\u0131, yat\u0131r\u0131m yap\u0131ld\u0131\u011f\u0131nda APY oranlar\u0131n\u0131 kullanmak daha faydal\u0131 olmaktad\u0131r. Bu sebeple ki, yat\u0131r\u0131m \u015firketleri genellikle APY (y\u0131ll\u0131k y\u00fczde verim) reklam\u0131n\u0131 yaparken, bor\u00e7 veren kurumlar ise APR (y\u0131ll\u0131k y\u00fczde oran\u0131) reklam\u0131n\u0131 yapmay\u0131 tercih etmektedirler.<\/p>\n
APR Ve APY Form\u00fclleri<\/b><\/p>\n
APR (y\u0131l\u0131k y\u00fczde oran) basit faizli bir kavramd\u0131r. APR\u2019ye dayal\u0131 toplam miktar hesaplamas\u0131 i\u00e7in kullan\u0131lan form\u00fcl;<\/p>\n
Toplam Miktar = [Anapara x (1+ Kullan\u0131lan faiz oran\u0131 x y\u0131l)] A= [P x (1+ R x T)]\n
APY (y\u0131ll\u0131k y\u00fczde verim) yat\u0131r\u0131ma ya da kredilere uygulanan bile\u015fik faizi hesaba katmaktad\u0131r. Kullan\u0131lan form\u00fcl;<\/p>\n
Toplam Miktar= [Anapara (1+ Kullan\u0131lan faiz oran\u0131 \/ Bile\u015fik D\u00f6nem Say\u0131s\u0131) Bile\u015fik D\u00f6nem Say\u0131s\u0131] A = [P (1 + R\/N)N]\n","protected":false},"excerpt":{"rendered":"
Kriptoda APR (y\u0131ll\u0131k y\u00fczde oran\u0131) ve APY (y\u0131ll\u0131k y\u00fczde verim) yat\u0131r\u0131mlar ve kredi \u00fcr\u00fcnlerinin faizini hesaplamak i\u00e7in kullan\u0131lan pop\u00fcler …<\/p>\n","protected":false},"author":1,"featured_media":64329,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[224],"class_list":["post-64328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-genel","tag-yatirim"],"yoast_head":"\n