Asl\u0131nda APR(y\u0131ll\u0131k y\u00fczde oran\u0131) <\/strong>ve APY(y\u0131ll\u0131k y\u00fczde verim) <\/strong>her ikisi de yat\u0131r\u0131m ve kredi \u00fcr\u00fcnlerinde faiz hesaplamak i\u00e7in kullan\u0131lmaktad\u0131r.<\/p>\n APR ve APY terimleri, kripto para borsalar\u0131, c\u00fczdan\u00a0\u00fczerinde yap\u0131lan\u00a0staking\u00a0\u00f6d\u00fcl\u00fc hesaplama veya\u00a0DeFi\u00a0\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.<\/p>\n APR basit faiz anlam\u0131na gelmektedir. Yani y\u0131ll\u0131k \u00f6denecek faiz veya kazanaca\u011f\u0131n\u0131z y\u0131ll\u0131k basit faizi ifade eder. Hem \u00f6d\u00fcn\u00e7 al\u0131nan kredinin faiz oran\u0131n\u0131 hem de bor\u00e7 verenin talep etti\u011fi \u00fccreti i\u00e7erirmektedir.<\/p>\n APR oran\u0131n\u0131 bir \u00f6rnek \u00fczerinde a\u00e7\u0131klayacak olursak;<\/p>\n Banka ve Kripto Borsalar\u0131<\/a><\/strong> taraf\u0131ndan sunulan APR oranlar\u0131 asl\u0131nda en ba\u015ftan bellidir. \u00dczerinden y\u0131ll\u0131k kazan\u00e7 sa\u011flamak istedi\u011finiz 100.000 TL lik bir varl\u0131\u011f\u0131n\u0131z oldu\u011funu var sayal\u0131m. 100.000 TL i\u00e7in %10 APR ile bir y\u0131l\u0131n ard\u0131ndan 10.000 TL faiz al\u0131rs\u0131n\u0131z. Yani, bir y\u0131l\u0131n sonunda 110.000 TL’niz olur. \u0130ki y\u0131l\u0131n sonunda sermayeniz 120.000 TL’ye ula\u015f\u0131r. \u00dc\u00e7 y\u0131l\u0131n sonunda ise 130.000 TL’ye ula\u015f\u0131r ve bu \u015fekilde katlanarak devam eder.<\/p>\n Bir y\u0131ldan k\u0131sa s\u00fcreli kredi mevcutsa faizde buna orant\u0131l\u0131d\u0131r. \u00d6rnek olarak, y\u00fczde 10\u2019luk 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 5\u2019lik k\u0131sm\u0131n\u0131 kazand\u0131r\u0131r.<\/p>\n APR hesaplama form\u00fcl\u00fc:\u00a0 Periyodik Faiz Oran\u0131 x Y\u0131ll\u0131k Periyot Say\u0131s\u0131<\/strong><\/p>\n APY, yat\u0131r\u0131ma veya kredilere uygulanan birle\u015fik faizi hesaba katan bir faiz \u00f6l\u00e7\u00fcs\u00fcd\u00fcr. K\u0131saca faizin \u00fczerinden faiz kazanmakt\u0131r.<\/p>\n B\u00fcy\u00fck yat\u0131r\u0131m \u015firketleri yat\u0131r\u0131mc\u0131lar\u0131 kendilerine \u00e7ekebilrmek i\u00e7in APY yi s\u0131k s\u0131k reklam olarak kullanmaktad\u0131r. APR\u2019den farkl\u0131 olarak, APY faizin uygulanma s\u0131kl\u0131\u011f\u0131, y\u0131l i\u00e7erisindeki faiz oranlar\u0131n\u0131n etkilerini de hesaba katar ve size bu oranda \u00f6deme de yap\u0131l\u0131r. Bu faiz, mevduat\u0131n\u0131z\u0131n anapara tutar\u0131na eklenir ve aylar ge\u00e7tik\u00e7e size faiz kazand\u0131ran tutar giderek artar.<\/p>\n APY oran\u0131n\u0131 bir \u00f6rnek \u00fczerinde a\u00e7\u0131klayacak olursak;<\/p>\n Banka ve Kripto borsalar\u0131 taraf\u0131ndan sunulan APY oran\u0131 \u00fczerinden y\u0131ll\u0131k kazan\u00e7 sa\u011flamak istedi\u011finiz 100.000 TL lik bir varl\u0131\u011f\u0131n\u0131z oldu\u011funu var sayal\u0131m. 100.000 TL i\u00e7in %10 APY ile bir y\u0131l\u0131n ard\u0131ndan 10.000 TL faiz al\u0131rs\u0131n\u0131z. Yani, bir y\u0131l\u0131n sonunda 110.000 TL’niz olur. \u0130ki y\u0131l\u0131n sonunda ise \u00f6nceki faiz miktar\u0131da hesaplamaya eklenir ve sermayeniz 121.000 TL olur. \u00dc\u00e7 y\u0131l\u0131n sonunda ise 133.000 TL’ye ula\u015f\u0131r ve bu \u015fekilde katlanarak devam eder.<\/p>\n Apy hesaplama form\u00fcl\u00fc: APY = (1 + Periyodik Faiz Oran\u0131)^Periyot Say\u0131s\u0131 \u2013 1<\/strong><\/p>\n Aralar\u0131ndaki en \u00f6nemli fark APY bile\u015fik faiz i\u00e7ermektedir. APR ise bile\u015fik faiz i\u00e7ermemektedir.<\/p>\n 1000 $ lik %10 APR oran\u0131na sahip bir yat\u0131r\u0131m i\u00e7in APR ile APY olmak \u00fczere 2 se\u00e7ene\u011finiz mevcut.<\/p>\n 1.Se\u00e7enek : USDT\u2019nizi y\u0131lI\u0131k %10 APR oldu\u011funu kabul edersek yat\u0131r\u0131m\u0131n\u0131z \u00fczerinden 1 y\u0131l\u0131n sonunda kazanca\u011f\u0131n\u0131z miktar 1100$ olmaktad\u0131r.<\/p>\n 2.Se\u00e7enek : USDT\u2019nizi y\u0131lll\u0131k %10 APY oldu\u011funu kabul edersek yat\u0131r\u0131m\u0131n\u0131z \u00fczerinden 1 y\u0131l\u0131n sonunda kazanca\u011f\u0131n\u0131z miktar 1110$ olmaktad\u0131r.<\/p>\n 2. se\u00e7enekteki kazanc\u0131n y\u00fcksek olmas\u0131n\u0131n sebebi, APY\u2019nin \u00f6nceki d\u00f6nemlerde \u00f6denen kazan\u00e7lar\u0131n\u0131 da hesaba kat\u0131p s\u0131rayla eklenerek yeni faiz oran\u0131n\u0131 belirlemesinden kaynaklanmaktad\u0131r.<\/p>\n <\/p>\n APR ve APY hakk\u0131nda daha detayl\u0131 bigi edinmek i\u00e7in Paramuhendisi Youtube<\/strong><\/a> kanal\u0131m\u0131z\u0131 ziyaret ederek ilgili i\u00e7eri\u011fe ve daha fazlas\u0131na ula\u015fabilirsiniz.<\/p>\nAPR (Y\u0131ll\u0131k Y\u00fczde Oran\u0131) Nedir?<\/h2>\n
APY (Y\u0131ll\u0131k Getiri Y\u00fczdesi) Nedir?<\/h2>\n
![\"Kriptoda](\"https:\/\/www.coinkolik.com\/wp-content\/uploads\/2022\/10\/2222.jpg\")
<\/p>\nAPR ile APY Fark\u0131 Nedir?<\/h2>\n