Gayrimenkul
sabit odemeli ipotek
İngilizce: fixed payment mortgage
Türkçe Tanım
Borc alanin kredi vadesi boyunca her biri anapara amortismani ve faiz kombinasyonundan olusan esit donemsel odemeler yaptigi ipotek kredi yapisidir. Erken donemlerde her odemenin daha buyuk bir kismi faizi karsilarken, odenmemis bakiye azaldikca anapara bileseni zamanla artar. Sabit odemeli ipotekler borc alanlara odeme ongörulebilirligi saglar ve bircok yetki alaninda en yaygin konut ipotegi yapisidir.
English Definition
A mortgage loan structure in which the borrower makes equal periodic payments throughout the loan term, each comprising a combination of principal amortisation and interest. In early periods, a larger portion of each payment covers interest, while the principal component increases over time as the outstanding balance decreases. Fixed payment mortgages provide payment predictability for borrowers and are the most common residential mortgage structure in many jurisdictions.