{
  "id": "gecikmenin-aylik-maliyeti",
  "title": "Teslim gecikmesinin aylık maliyeti",
  "schemaVersion": 1,
  "generatorVersion": "1.0.0",
  "method": "Teslim ayı 1'den 60'a birer birer artırılarak her adımda Evim senaryosunun bugünkü maliyeti hesaplanmış; ardışık iki ay arasındaki fark o ayın marjinal gecikme maliyeti olarak alınmıştır.",
  "assumptions": {
    "Konut değeri": "3.000.000 TL",
    "Mevcut kira": "15.000 TL",
    "Yıllık kira artışı": "%65",
    "Yıllık konut fiyat artışı": "%55"
  },
  "caveats": [
    "Marjinal maliyet doğrusal değildir; erken aylardaki gecikme ile geç aylardaki gecikmenin etkisi farklıdır.",
    "Kira ödemeleri yalnızca teslim ayına kadar sayılır."
  ],
  "views": {
    "curve": {
      "caption": "Teslim ayına göre Evim bugünkü maliyeti ve her ek ayın marjinal maliyeti",
      "columns": [
        {
          "key": "deliveryMonth",
          "label": "Teslim ayı",
          "format": "month"
        },
        {
          "key": "presentCost",
          "label": "Bugünkü maliyet",
          "format": "currency"
        },
        {
          "key": "marginalCost",
          "label": "O ayın ek maliyeti",
          "format": "currency"
        },
        {
          "key": "vsBank",
          "label": "Bankaya göre fark",
          "format": "currency"
        }
      ],
      "rows": [
        {
          "deliveryMonth": 1,
          "presentCost": 1910263,
          "marginalCost": null,
          "vsBank": -1003387
        },
        {
          "deliveryMonth": 2,
          "presentCost": 2030297,
          "marginalCost": 120034,
          "vsBank": -883353
        },
        {
          "deliveryMonth": 3,
          "presentCost": 2147277,
          "marginalCost": 116980,
          "vsBank": -766373
        },
        {
          "deliveryMonth": 4,
          "presentCost": 2261300,
          "marginalCost": 114023,
          "vsBank": -652349
        },
        {
          "deliveryMonth": 5,
          "presentCost": 2381075,
          "marginalCost": 119774,
          "vsBank": -532575
        },
        {
          "deliveryMonth": 6,
          "presentCost": 2497814,
          "marginalCost": 116739,
          "vsBank": -415836
        },
        {
          "deliveryMonth": 7,
          "presentCost": 2611613,
          "marginalCost": 113800,
          "vsBank": -302036
        },
        {
          "deliveryMonth": 8,
          "presentCost": 2722566,
          "marginalCost": 110953,
          "vsBank": -191083
        },
        {
          "deliveryMonth": 9,
          "presentCost": 2830764,
          "marginalCost": 108197,
          "vsBank": -82886
        },
        {
          "deliveryMonth": 10,
          "presentCost": 2936292,
          "marginalCost": 105529,
          "vsBank": 22643
        },
        {
          "deliveryMonth": 11,
          "presentCost": 3039238,
          "marginalCost": 102945,
          "vsBank": 125588
        },
        {
          "deliveryMonth": 12,
          "presentCost": 3139681,
          "marginalCost": 100444,
          "vsBank": 226032
        },
        {
          "deliveryMonth": 13,
          "presentCost": 3237704,
          "marginalCost": 98022,
          "vsBank": 324054
        },
        {
          "deliveryMonth": 14,
          "presentCost": 3333382,
          "marginalCost": 95678,
          "vsBank": 419732
        },
        {
          "deliveryMonth": 15,
          "presentCost": 3426791,
          "marginalCost": 93409,
          "vsBank": 513142
        },
        {
          "deliveryMonth": 16,
          "presentCost": 3518004,
          "marginalCost": 91213,
          "vsBank": 604354
        },
        {
          "deliveryMonth": 17,
          "presentCost": 3616894,
          "marginalCost": 98890,
          "vsBank": 703244
        },
        {
          "deliveryMonth": 18,
          "presentCost": 3713427,
          "marginalCost": 96534,
          "vsBank": 799778
        },
        {
          "deliveryMonth": 19,
          "presentCost": 3807680,
          "marginalCost": 94253,
          "vsBank": 894031
        },
        {
          "deliveryMonth": 20,
          "presentCost": 3899726,
          "marginalCost": 92046,
          "vsBank": 986076
        },
        {
          "deliveryMonth": 21,
          "presentCost": 3989635,
          "marginalCost": 89909,
          "vsBank": 1075986
        },
        {
          "deliveryMonth": 22,
          "presentCost": 4077477,
          "marginalCost": 87842,
          "vsBank": 1163828
        },
        {
          "deliveryMonth": 23,
          "presentCost": 4163319,
          "marginalCost": 85841,
          "vsBank": 1249669
        },
        {
          "deliveryMonth": 24,
          "presentCost": 4247224,
          "marginalCost": 83905,
          "vsBank": 1333574
        },
        {
          "deliveryMonth": 25,
          "presentCost": 4329256,
          "marginalCost": 82032,
          "vsBank": 1415607
        },
        {
          "deliveryMonth": 26,
          "presentCost": 4409477,
          "marginalCost": 80220,
          "vsBank": 1495827
        },
        {
          "deliveryMonth": 27,
          "presentCost": 4487944,
          "marginalCost": 78467,
          "vsBank": 1574294
        },
        {
          "deliveryMonth": 28,
          "presentCost": 4564715,
          "marginalCost": 76771,
          "vsBank": 1651066
        },
        {
          "deliveryMonth": 29,
          "presentCost": 4651001,
          "marginalCost": 86286,
          "vsBank": 1737351
        },
        {
          "deliveryMonth": 30,
          "presentCost": 4735360,
          "marginalCost": 84359,
          "vsBank": 1821711
        },
        {
          "deliveryMonth": 31,
          "presentCost": 4817856,
          "marginalCost": 82496,
          "vsBank": 1904206
        },
        {
          "deliveryMonth": 32,
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          "marginalCost": 80693,
          "vsBank": 1984899
        },
        {
          "deliveryMonth": 33,
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          "marginalCost": 78949,
          "vsBank": 2063848
        },
        {
          "deliveryMonth": 34,
          "presentCost": 5054760,
          "marginalCost": 77262,
          "vsBank": 2141110
        },
        {
          "deliveryMonth": 35,
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          "marginalCost": 75631,
          "vsBank": 2216741
        },
        {
          "deliveryMonth": 36,
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          "vsBank": 2290794
        },
        {
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          "marginalCost": 72528,
          "vsBank": 2363322
        },
        {
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          "marginalCost": 71053,
          "vsBank": 2434375
        },
        {
          "deliveryMonth": 39,
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          "marginalCost": 69627,
          "vsBank": 2504002
        },
        {
          "deliveryMonth": 40,
          "presentCost": 5485900,
          "marginalCost": 68249,
          "vsBank": 2572251
        },
        {
          "deliveryMonth": 41,
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          "marginalCost": 79610,
          "vsBank": 2651861
        },
        {
          "deliveryMonth": 42,
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          "marginalCost": 77936,
          "vsBank": 2729796
        },
        {
          "deliveryMonth": 43,
          "presentCost": 5719763,
          "marginalCost": 76317,
          "vsBank": 2806113
        },
        {
          "deliveryMonth": 44,
          "presentCost": 5794514,
          "marginalCost": 74751,
          "vsBank": 2880865
        },
        {
          "deliveryMonth": 45,
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          "marginalCost": 73238,
          "vsBank": 2954103
        },
        {
          "deliveryMonth": 46,
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          "marginalCost": 71775,
          "vsBank": 3025878
        },
        {
          "deliveryMonth": 47,
          "presentCost": 6009888,
          "marginalCost": 70361,
          "vsBank": 3096238
        },
        {
          "deliveryMonth": 48,
          "presentCost": 6078882,
          "marginalCost": 68994,
          "vsBank": 3165233
        },
        {
          "deliveryMonth": 49,
          "presentCost": 6146556,
          "marginalCost": 67674,
          "vsBank": 3232906
        },
        {
          "deliveryMonth": 50,
          "presentCost": 6212953,
          "marginalCost": 66397,
          "vsBank": 3299304
        },
        {
          "deliveryMonth": 51,
          "presentCost": 6278118,
          "marginalCost": 65165,
          "vsBank": 3364468
        },
        {
          "deliveryMonth": 52,
          "presentCost": 6342092,
          "marginalCost": 63974,
          "vsBank": 3428442
        },
        {
          "deliveryMonth": 53,
          "presentCost": 6419360,
          "marginalCost": 77268,
          "vsBank": 3505710
        },
        {
          "deliveryMonth": 54,
          "presentCost": 6495077,
          "marginalCost": 75717,
          "vsBank": 3581427
        },
        {
          "deliveryMonth": 55,
          "presentCost": 6569294,
          "marginalCost": 74218,
          "vsBank": 3655645
        },
        {
          "deliveryMonth": 56,
          "presentCost": 6642063,
          "marginalCost": 72769,
          "vsBank": 3728414
        },
        {
          "deliveryMonth": 57,
          "presentCost": 6713432,
          "marginalCost": 71369,
          "vsBank": 3799782
        },
        {
          "deliveryMonth": 58,
          "presentCost": 6783448,
          "marginalCost": 70016,
          "vsBank": 3869798
        },
        {
          "deliveryMonth": 59,
          "presentCost": 6852156,
          "marginalCost": 68709,
          "vsBank": 3938507
        },
        {
          "deliveryMonth": 60,
          "presentCost": 6919603,
          "marginalCost": 67446,
          "vsBank": 4005953
        }
      ]
    },
    "bands": {
      "caption": "Gecikme döneminin ortalama aylık maliyeti",
      "columns": [
        {
          "key": "band",
          "label": "Dönem",
          "format": "text"
        },
        {
          "key": "averageMonthlyCost",
          "label": "Ortalama aylık ek maliyet",
          "format": "currency"
        },
        {
          "key": "totalBandCost",
          "label": "Dönem toplamı",
          "format": "currency"
        }
      ],
      "rows": [
        {
          "band": "1–12. ay",
          "averageMonthlyCost": 111765,
          "totalBandCost": 1229418
        },
        {
          "band": "13–24. ay",
          "averageMonthlyCost": 92295,
          "totalBandCost": 1107542
        },
        {
          "band": "25–36. ay",
          "averageMonthlyCost": 79768,
          "totalBandCost": 957219
        },
        {
          "band": "37–48. ay",
          "averageMonthlyCost": 72870,
          "totalBandCost": 874439
        },
        {
          "band": "49–60. ay",
          "averageMonthlyCost": 70060,
          "totalBandCost": 840722
        }
      ]
    }
  },
  "engineHash": "sha256:b7316af12814a0c6",
  "generatedAt": "2026-09-20",
  "payloadHash": "sha256:7a6cf7888ba9b347",
  "license": {
    "type": "attribution-required",
    "text": "Kaynak gösterilerek kullanılabilir: Finkıyas, https://finkiyas.com",
    "url": "https://finkiyas.com/metodoloji"
  }
}