{"id":35,"date":"2026-05-13T23:09:39","date_gmt":"2026-05-13T23:09:39","guid":{"rendered":"https:\/\/score.mis301webproje.com.tr\/?page_id=35"},"modified":"2026-05-15T06:21:51","modified_gmt":"2026-05-15T03:21:51","slug":"nasil-hesapliyoruz","status":"publish","type":"page","link":"https:\/\/score.mis301webproje.com.tr\/?page_id=35","title":{"rendered":"Nas\u0131l Hesapl\u0131yoruz"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"35\" class=\"elementor elementor-35\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef41e20 e-con-full e-flex e-con e-parent\" data-id=\"ef41e20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3accabd elementor-widget__width-inherit elementor-widget elementor-widget-html\" data-id=\"3accabd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- SCORECHECK \u2014 NASIL HESAPLANDI SAYFASI -->\r\n<section id=\"scorecheck-explain\">\r\n  <style>\r\n    #scorecheck-explain {\r\n      --sc-blue: #13aff0;\r\n      --sc-blue-dark: #0e8fc4;\r\n      --sc-head: #13181c;\r\n      --sc-text: #5f6f7f;\r\n      --sc-line: #e6e6e6;\r\n      --sc-soft: #f7f8fa;\r\n      --sc-pos: #27ae60;\r\n      --sc-neg: #e8554e;\r\n      --sc-warn: #f0a020;\r\n      --sc-dark: #05204f;\r\n      font-family: \"Helvetica Neue\", Helvetica, Arial, sans-serif;\r\n      color: var(--sc-text);\r\n      background: #ffffff;\r\n    }\r\n\r\n    #scorecheck-explain * {\r\n      box-sizing: border-box;\r\n    }\r\n\r\n    #scorecheck-explain .sce-hero {\r\n      background: linear-gradient(135deg, #05204f, #0865b4);\r\n      padding: 78px 20px;\r\n      color: #ffffff;\r\n      text-align: center;\r\n    }\r\n\r\n    #scorecheck-explain .sce-hero-inner {\r\n      max-width: 1050px;\r\n      margin: 0 auto;\r\n    }\r\n\r\n    #scorecheck-explain .sce-badge {\r\n      display: inline-block;\r\n      padding: 8px 18px;\r\n      border-radius: 40px;\r\n      border: 1px solid rgba(255,255,255,0.35);\r\n      background: rgba(255,255,255,0.10);\r\n      font-size: 13px;\r\n      font-weight: 700;\r\n      margin-bottom: 20px;\r\n      letter-spacing: 0.4px;\r\n    }\r\n\r\n    #scorecheck-explain h1 {\r\n      margin: 0 0 16px;\r\n      color: #ffffff;\r\n      font-size: 42px;\r\n      line-height: 1.18;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-hero p {\r\n      max-width: 800px;\r\n      margin: 0 auto;\r\n      color: rgba(255,255,255,0.9);\r\n      font-size: 18px;\r\n      line-height: 1.7;\r\n    }\r\n\r\n    #scorecheck-explain .sce-wrap {\r\n      max-width: 1120px;\r\n      margin: 0 auto;\r\n      padding: 58px 20px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-title {\r\n      text-align: center;\r\n      margin-bottom: 38px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-title h2 {\r\n      margin: 0 0 12px;\r\n      color: var(--sc-head);\r\n      font-size: 31px;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-title p {\r\n      max-width: 760px;\r\n      margin: 0 auto;\r\n      font-size: 16px;\r\n      line-height: 1.75;\r\n      color: var(--sc-text);\r\n    }\r\n\r\n    #scorecheck-explain .sce-grid-3 {\r\n      display: grid;\r\n      grid-template-columns: repeat(3, 1fr);\r\n      gap: 20px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-card {\r\n      background: #ffffff;\r\n      border: 1px solid #e6edf5;\r\n      border-radius: 14px;\r\n      padding: 26px;\r\n      box-shadow: 0 8px 28px rgba(12, 40, 80, 0.07);\r\n    }\r\n\r\n    #scorecheck-explain .sce-card h3 {\r\n      margin: 0 0 10px;\r\n      color: var(--sc-head);\r\n      font-size: 20px;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-card p {\r\n      margin: 0;\r\n      line-height: 1.7;\r\n      font-size: 15px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-icon {\r\n      width: 48px;\r\n      height: 48px;\r\n      border-radius: 13px;\r\n      background: linear-gradient(135deg, var(--sc-blue), #20c66b);\r\n      color: #ffffff;\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      font-size: 23px;\r\n      margin-bottom: 16px;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-process {\r\n      background: #f3f9ff;\r\n      border-top: 1px solid #e1eef8;\r\n      border-bottom: 1px solid #e1eef8;\r\n    }\r\n\r\n    #scorecheck-explain .sce-steps {\r\n      display: grid;\r\n      gap: 18px;\r\n      counter-reset: step;\r\n    }\r\n\r\n    #scorecheck-explain .sce-step {\r\n      display: grid;\r\n      grid-template-columns: 70px 1fr;\r\n      gap: 18px;\r\n      align-items: start;\r\n      background: #ffffff;\r\n      border: 1px solid #dcebf7;\r\n      border-radius: 14px;\r\n      padding: 22px;\r\n      box-shadow: 0 5px 18px rgba(12, 40, 80, 0.05);\r\n    }\r\n\r\n    #scorecheck-explain .sce-step::before {\r\n      counter-increment: step;\r\n      content: counter(step);\r\n      width: 52px;\r\n      height: 52px;\r\n      border-radius: 50%;\r\n      background: var(--sc-blue);\r\n      color: #ffffff;\r\n      display: flex;\r\n      align-items: center;\r\n      justify-content: center;\r\n      font-size: 22px;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-step h3 {\r\n      margin: 0 0 8px;\r\n      color: var(--sc-head);\r\n      font-size: 20px;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-step p {\r\n      margin: 0;\r\n      line-height: 1.75;\r\n      font-size: 15px;\r\n      color: var(--sc-text);\r\n    }\r\n\r\n    #scorecheck-explain .sce-formula-box {\r\n      background: #ffffff;\r\n      border: 1px solid #e6edf5;\r\n      border-radius: 16px;\r\n      padding: 30px;\r\n      box-shadow: 0 10px 30px rgba(12, 40, 80, 0.08);\r\n    }\r\n\r\n    #scorecheck-explain .sce-formula {\r\n      background: #f7f8fa;\r\n      border: 1px solid #e6e6e6;\r\n      border-radius: 10px;\r\n      padding: 20px;\r\n      color: var(--sc-head);\r\n      font-size: 17px;\r\n      line-height: 1.8;\r\n      margin: 18px 0;\r\n      text-align: center;\r\n      font-weight: 700;\r\n    }\r\n\r\n    #scorecheck-explain .sce-note {\r\n      font-size: 14px;\r\n      line-height: 1.7;\r\n      color: #667788;\r\n      margin: 0;\r\n    }\r\n\r\n    #scorecheck-explain .sce-example {\r\n      display: grid;\r\n      grid-template-columns: 1fr 1fr;\r\n      gap: 26px;\r\n      align-items: start;\r\n    }\r\n\r\n    #scorecheck-explain .sce-table {\r\n      width: 100%;\r\n      border-collapse: collapse;\r\n      overflow: hidden;\r\n      border-radius: 12px;\r\n      border: 1px solid #e6edf5;\r\n      background: #ffffff;\r\n    }\r\n\r\n    #scorecheck-explain .sce-table th,\r\n    #scorecheck-explain .sce-table td {\r\n      padding: 14px 16px;\r\n      border-bottom: 1px solid #edf2f7;\r\n      text-align: left;\r\n      font-size: 14px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-table th {\r\n      background: #f7f8fa;\r\n      color: var(--sc-head);\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-table td:last-child {\r\n      color: var(--sc-head);\r\n      font-weight: 700;\r\n    }\r\n\r\n    #scorecheck-explain .sce-score-card {\r\n      background: var(--sc-soft);\r\n      border: 1px solid var(--sc-line);\r\n      border-radius: 8px;\r\n      padding: 24px;\r\n      text-align: center;\r\n    }\r\n\r\n    #scorecheck-explain .sce-cat {\r\n      display: inline-block;\r\n      padding: 4px 15px;\r\n      border-radius: 2px;\r\n      color: #ffffff;\r\n      background: #5bb36b;\r\n      font-size: 13px;\r\n      font-weight: 800;\r\n      letter-spacing: 0.4px;\r\n      margin-bottom: 8px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-score {\r\n      color: var(--sc-head);\r\n      font-size: 52px;\r\n      line-height: 1;\r\n      font-weight: 800;\r\n      margin-bottom: 6px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-decision {\r\n      font-size: 14px;\r\n      line-height: 1.6;\r\n      margin-bottom: 18px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-bar {\r\n      height: 8px;\r\n      border-radius: 99px;\r\n      margin: 18px auto 6px;\r\n      max-width: 480px;\r\n      background: linear-gradient(90deg, var(--sc-neg) 0%, var(--sc-warn) 45%, var(--sc-pos) 100%);\r\n      position: relative;\r\n    }\r\n\r\n    #scorecheck-explain .sce-bar i {\r\n      position: absolute;\r\n      top: -4px;\r\n      left: 65.8%;\r\n      width: 16px;\r\n      height: 16px;\r\n      background: #ffffff;\r\n      border: 2px solid var(--sc-head);\r\n      border-radius: 50%;\r\n      transform: translateX(-50%);\r\n    }\r\n\r\n    #scorecheck-explain .sce-derived {\r\n      display: flex;\r\n      justify-content: center;\r\n      gap: 32px;\r\n      flex-wrap: wrap;\r\n      margin-top: 16px;\r\n      padding-top: 14px;\r\n      border-top: 1px solid var(--sc-line);\r\n    }\r\n\r\n    #scorecheck-explain .sce-derived div {\r\n      font-size: 12px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-derived b {\r\n      display: block;\r\n      color: var(--sc-head);\r\n      font-size: 17px;\r\n      margin-top: 3px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-bands {\r\n      display: grid;\r\n      grid-template-columns: repeat(4, 1fr);\r\n      gap: 16px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-band {\r\n      border: 1px solid #e6edf5;\r\n      border-radius: 14px;\r\n      padding: 20px;\r\n      background: #ffffff;\r\n      text-align: center;\r\n      box-shadow: 0 8px 24px rgba(12, 40, 80, 0.05);\r\n    }\r\n\r\n    #scorecheck-explain .sce-band strong {\r\n      display: block;\r\n      color: var(--sc-head);\r\n      font-size: 22px;\r\n      margin-bottom: 6px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-band span {\r\n      display: inline-block;\r\n      padding: 4px 12px;\r\n      border-radius: 20px;\r\n      color: #ffffff;\r\n      font-size: 13px;\r\n      font-weight: 800;\r\n      margin-bottom: 10px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-green { background: var(--sc-pos); }\r\n    #scorecheck-explain .sce-lightgreen { background: #5bb36b; }\r\n    #scorecheck-explain .sce-orange { background: var(--sc-warn); }\r\n    #scorecheck-explain .sce-red { background: var(--sc-neg); }\r\n\r\n    #scorecheck-explain .sce-warning {\r\n      background: #fff8e8;\r\n      border: 1px solid #f5d99a;\r\n      border-left: 5px solid var(--sc-warn);\r\n      border-radius: 10px;\r\n      padding: 20px;\r\n      line-height: 1.75;\r\n      color: #654b11;\r\n    }\r\n\r\n    #scorecheck-explain .sce-cta {\r\n      background: linear-gradient(135deg, #05204f, #074f99);\r\n      color: #ffffff;\r\n      text-align: center;\r\n      padding: 58px 20px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-cta h2 {\r\n      margin: 0 0 14px;\r\n      font-size: 31px;\r\n      color: #ffffff;\r\n      font-weight: 800;\r\n    }\r\n\r\n    #scorecheck-explain .sce-cta p {\r\n      max-width: 760px;\r\n      margin: 0 auto 26px;\r\n      line-height: 1.7;\r\n      color: rgba(255,255,255,0.88);\r\n      font-size: 16px;\r\n    }\r\n\r\n    #scorecheck-explain .sce-btn {\r\n      display: inline-block;\r\n      padding: 14px 28px;\r\n      border-radius: 6px;\r\n      background: var(--sc-blue);\r\n      color: #ffffff;\r\n      text-decoration: none;\r\n      font-weight: 800;\r\n      transition: background 0.2s ease;\r\n    }\r\n\r\n    #scorecheck-explain .sce-btn:hover {\r\n      background: var(--sc-blue-dark);\r\n      color: #ffffff;\r\n    }\r\n\r\n    @media (max-width: 900px) {\r\n      #scorecheck-explain h1 {\r\n        font-size: 34px;\r\n      }\r\n\r\n      #scorecheck-explain .sce-grid-3,\r\n      #scorecheck-explain .sce-example,\r\n      #scorecheck-explain .sce-bands {\r\n        grid-template-columns: 1fr;\r\n      }\r\n\r\n      #scorecheck-explain .sce-step {\r\n        grid-template-columns: 1fr;\r\n      }\r\n    }\r\n\r\n    @media (max-width: 520px) {\r\n      #scorecheck-explain h1 {\r\n        font-size: 29px;\r\n      }\r\n\r\n      #scorecheck-explain .sce-title h2,\r\n      #scorecheck-explain .sce-cta h2 {\r\n        font-size: 25px;\r\n      }\r\n\r\n      #scorecheck-explain .sce-score {\r\n        font-size: 44px;\r\n      }\r\n    }\r\n  <\/style>\r\n\r\n  <!-- HERO -->\r\n  <div class=\"sce-hero\">\r\n    <div class=\"sce-hero-inner\">\r\n      <div class=\"sce-badge\">ScoreCheck Hesaplama Mant\u0131\u011f\u0131<\/div>\r\n      <h1>Kredi notu nas\u0131l hesaplan\u0131yor?<\/h1>\r\n      <p>\r\n        Bu sayfa, ScoreCheck arac\u0131n\u0131n tahmini kredi skorunu nas\u0131l olu\u015fturdu\u011funu\r\n        sade bir dille a\u00e7\u0131klar. Ama\u00e7, kullan\u0131c\u0131ya yaln\u0131zca sonu\u00e7 g\u00f6stermek de\u011fil;\r\n        sonucun hangi mant\u0131kla \u00fcretildi\u011fini de anla\u015f\u0131l\u0131r hale getirmektir.\r\n      <\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- SHORT SUMMARY -->\r\n  <div class=\"sce-wrap\">\r\n    <div class=\"sce-title\">\r\n      <h2>K\u0131saca hesaplama mant\u0131\u011f\u0131<\/h2>\r\n      <p>\r\n        Ara\u00e7, kullan\u0131c\u0131n\u0131n finansal bilgilerini al\u0131r; ayl\u0131k taksit ve bor\u00e7\/gelir oran\u0131 gibi\r\n        baz\u0131 de\u011ferleri otomatik \u00fcretir; ard\u0131ndan bu bilgileri kredi skoru modeline g\u00f6re de\u011ferlendirir.\r\n      <\/p>\r\n    <\/div>\r\n\r\n    <div class=\"sce-grid-3\">\r\n      <div class=\"sce-card\">\r\n        <div class=\"sce-icon\">1<\/div>\r\n        <h3>Bilgiler al\u0131n\u0131r<\/h3>\r\n        <p>\r\n          Ya\u015f, gelir, kredi tutar\u0131, vade, faiz, aktif kredi say\u0131s\u0131, gecikmi\u015f \u00f6deme,\r\n          kredi kart\u0131 borcu ve mevduat gibi finansal bilgiler kullan\u0131l\u0131r.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <div class=\"sce-card\">\r\n        <div class=\"sce-icon\">2<\/div>\r\n        <h3>De\u011ferler t\u00fcretilir<\/h3>\r\n        <p>\r\n          Ayl\u0131k taksit ve bor\u00e7\/gelir oran\u0131 kullan\u0131c\u0131dan do\u011frudan istenmez;\r\n          kredi tutar\u0131, faiz, vade ve gelir bilgilerine g\u00f6re otomatik hesaplan\u0131r.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <div class=\"sce-card\">\r\n        <div class=\"sce-icon\">3<\/div>\r\n        <h3>Skor ve karar \u00fcretilir<\/h3>\r\n        <p>\r\n          Model, her de\u011fi\u015fkenin skora etkisini hesaplar. Sonu\u00e7, kredi skoru,\r\n          kategori ve kredi karar \u00f6nerisi olarak kullan\u0131c\u0131ya g\u00f6sterilir.\r\n        <\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- PROCESS -->\r\n  <div class=\"sce-process\">\r\n    <div class=\"sce-wrap\">\r\n      <div class=\"sce-title\">\r\n        <h2>Ad\u0131m ad\u0131m hesaplama s\u00fcreci<\/h2>\r\n        <p>\r\n          ScoreCheck hesaplamas\u0131 tek bir say\u0131 \u00fcretmekten ibaret de\u011fildir.\r\n          Skor, birka\u00e7 a\u015famal\u0131 bir de\u011ferlendirme s\u00fcrecinin sonunda olu\u015fur.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <div class=\"sce-steps\">\r\n        <div class=\"sce-step\">\r\n          <div>\r\n            <h3>Kullan\u0131c\u0131 finansal bilgilerini girer<\/h3>\r\n            <p>\r\n              Kullan\u0131c\u0131, formdaki alanlara temel finansal bilgilerini yazar.\r\n              \u00d6rne\u011fin ayl\u0131k gelir, kredi tutar\u0131, kredi vadesi, y\u0131ll\u0131k faiz oran\u0131,\r\n              aktif kredi say\u0131s\u0131, gecikmi\u015f \u00f6deme say\u0131s\u0131 ve kredi kart\u0131 borcu gibi alanlar doldurulur.\r\n            <\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sce-step\">\r\n          <div>\r\n            <h3>Ayl\u0131k taksit otomatik hesaplan\u0131r<\/h3>\r\n            <p>\r\n              Sistem, kredi tutar\u0131, y\u0131ll\u0131k faiz oran\u0131 ve vade bilgilerini kullanarak\r\n              ayl\u0131k taksiti hesaplar. B\u00f6ylece kullan\u0131c\u0131dan ayr\u0131ca taksit bilgisi istemeye gerek kalmaz.\r\n            <\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sce-step\">\r\n          <div>\r\n            <h3>Bor\u00e7\/gelir oran\u0131 bulunur<\/h3>\r\n            <p>\r\n              Bor\u00e7\/gelir oran\u0131, hesaplanan ayl\u0131k taksitin ayl\u0131k net gelire b\u00f6l\u00fcnmesiyle elde edilir.\r\n              Bu oran, m\u00fc\u015fterinin \u00f6deme y\u00fck\u00fcn\u00fc g\u00f6steren en \u00f6nemli g\u00f6stergelerden biridir.\r\n            <\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sce-step\">\r\n          <div>\r\n            <h3>Her de\u011fi\u015fken skora katk\u0131 yapar<\/h3>\r\n            <p>\r\n              Modelde her finansal alan\u0131n belirli bir a\u011f\u0131rl\u0131\u011f\u0131 vard\u0131r.\r\n              Baz\u0131 de\u011fi\u015fkenler skoru art\u0131rabilir; baz\u0131 de\u011fi\u015fkenler ise skoru d\u00fc\u015f\u00fcrebilir.\r\n              \u00d6rne\u011fin d\u00fczenli gelir, mevduat ve olumlu banka ili\u015fkisi skoru desteklerken;\r\n              gecikmi\u015f \u00f6deme ve y\u00fcksek bor\u00e7\/gelir oran\u0131 skoru d\u00fc\u015f\u00fcrebilir.\r\n            <\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sce-step\">\r\n          <div>\r\n            <h3>Toplam skor hesaplan\u0131r<\/h3>\r\n            <p>\r\n              Model, ba\u015flang\u0131\u00e7 skoruna her de\u011fi\u015fkenin katk\u0131s\u0131n\u0131 ekler veya \u00e7\u0131kar\u0131r.\r\n              Sonu\u00e7 belirli bir aral\u0131kta s\u0131n\u0131rland\u0131r\u0131l\u0131r ve kullan\u0131c\u0131ya tahmini kredi skoru olarak g\u00f6sterilir.\r\n            <\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sce-step\">\r\n          <div>\r\n            <h3>Skor kategoriye ve karara \u00e7evrilir<\/h3>\r\n            <p>\r\n              Hesaplanan skor; \u00c7ok \u0130yi, \u0130yi, Orta veya Riskli kategorilerinden birine atan\u0131r.\r\n              Ard\u0131ndan sistem, bu kategoriye g\u00f6re onay, standart ko\u015fullar, kefil\/teminat veya red \u00f6nerisi \u00fcretir.\r\n            <\/p>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- FORMULA -->\r\n  <div class=\"sce-wrap\">\r\n    <div class=\"sce-title\">\r\n      <h2>Basit form\u00fclle mant\u0131k<\/h2>\r\n      <p>\r\n        Teknik ayr\u0131nt\u0131ya girmeden, kredi notu hesab\u0131n\u0131n temel mant\u0131\u011f\u0131 \u015fu \u015fekilde \u00f6zetlenebilir:\r\n      <\/p>\r\n    <\/div>\r\n\r\n    <div class=\"sce-formula-box\">\r\n      <div class=\"sce-formula\">\r\n        Tahmini Kredi Skoru = Ba\u015flang\u0131\u00e7 Skoru + Gelir Etkisi + Mevduat Etkisi\r\n        \u2212 Risk Etkileri \u00b1 Di\u011fer Finansal Etkenler\r\n      <\/div>\r\n\r\n      <p class=\"sce-note\">\r\n        Burada \u201crisk etkileri\u201d; y\u00fcksek bor\u00e7\/gelir oran\u0131, gecikmi\u015f \u00f6deme say\u0131s\u0131,\r\n        y\u00fcksek kredi kart\u0131 borcu veya fazla aktif kredi gibi unsurlar\u0131 temsil eder.\r\n        \u201cOlumlu etkiler\u201d ise d\u00fczenli gelir, g\u00fc\u00e7l\u00fc mevduat, banka ile uzun \u00e7al\u0131\u015fma s\u00fcresi\r\n        ve sa\u011fl\u0131kl\u0131 finansal profil gibi g\u00f6stergeleri temsil eder.\r\n      <\/p>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- EXAMPLE -->\r\n  <div class=\"sce-wrap\">\r\n    <div class=\"sce-title\">\r\n      <h2>\u00d6rnek hesaplama g\u00f6sterimi<\/h2>\r\n      <p>\r\n        A\u015fa\u011f\u0131daki \u00f6rnek, kredi notu hesaplama arac\u0131ndaki varsay\u0131lan de\u011ferlere g\u00f6re haz\u0131rlanm\u0131\u015ft\u0131r.\r\n      <\/p>\r\n    <\/div>\r\n\r\n    <div class=\"sce-example\">\r\n      <div>\r\n        <table class=\"sce-table\">\r\n          <thead>\r\n            <tr>\r\n              <th>Girdi<\/th>\r\n              <th>\u00d6rnek de\u011fer<\/th>\r\n            <\/tr>\r\n          <\/thead>\r\n          <tbody>\r\n            <tr>\r\n              <td>Ya\u015f<\/td>\r\n              <td>35<\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td>Ayl\u0131k Net Gelir<\/td>\r\n              <td>40.000 TL<\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td>Kredi Tutar\u0131<\/td>\r\n              <td>100.000 TL<\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td>Kredi Vadesi<\/td>\r\n              <td>24 Ay<\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td>Y\u0131ll\u0131k Faiz Oran\u0131<\/td>\r\n              <td>%55<\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td>Aktif Kredi Say\u0131s\u0131<\/td>\r\n              <td>1<\/td>\r\n            <\/tr>\r\n            <tr>\r\n              <td>Gecikmi\u015f \u00d6deme Say\u0131s\u0131<\/td>\r\n              <td>0<\/td>\r\n            <\/tr>\r\n          <\/tbody>\r\n        <\/table>\r\n      <\/div>\r\n\r\n      <div class=\"sce-score-card\">\r\n        <div class=\"sce-cat\">\u0130yi<\/div>\r\n        <div class=\"sce-score\">1592<\/div>\r\n        <div class=\"sce-decision\">Onayland\u0131 \u2014 Standart ko\u015fullar<\/div>\r\n\r\n        <div class=\"sce-bar\">\r\n          <i><\/i>\r\n        <\/div>\r\n\r\n        <div class=\"sce-derived\">\r\n          <div>\r\n            Hesaplanan Ayl\u0131k Taksit\r\n            <b>6.956 TL<\/b>\r\n          <\/div>\r\n          <div>\r\n            Hesaplanan Bor\u00e7\/Gelir Oran\u0131\r\n            <b>0.174<\/b>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- SCORE BANDS -->\r\n  <div class=\"sce-wrap\">\r\n    <div class=\"sce-title\">\r\n      <h2>Skor aral\u0131klar\u0131 nas\u0131l yorumlan\u0131r?<\/h2>\r\n      <p>\r\n        Hesaplanan skor, kullan\u0131c\u0131ya daha anla\u015f\u0131l\u0131r olmas\u0131 i\u00e7in d\u00f6rt kategoriye d\u00f6n\u00fc\u015ft\u00fcr\u00fcl\u00fcr.\r\n      <\/p>\r\n    <\/div>\r\n\r\n    <div class=\"sce-bands\">\r\n      <div class=\"sce-band\">\r\n        <span class=\"sce-green\">\u00c7ok \u0130yi<\/span>\r\n        <strong>1700+<\/strong>\r\n        <p>Y\u00fcksek g\u00fcven d\u00fczeyi. Avantajl\u0131 ko\u015fullarla onay \u00f6nerilebilir.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"sce-band\">\r\n        <span class=\"sce-lightgreen\">\u0130yi<\/span>\r\n        <strong>1500\u20131699<\/strong>\r\n        <p>Standart ko\u015fullarla onaylanabilecek sa\u011fl\u0131kl\u0131 profil.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"sce-band\">\r\n        <span class=\"sce-orange\">Orta<\/span>\r\n        <strong>1100\u20131499<\/strong>\r\n        <p>\u015eartl\u0131 onay, kefil veya ek teminat gerekebilir.<\/p>\r\n      <\/div>\r\n\r\n      <div class=\"sce-band\">\r\n        <span class=\"sce-red\">Riskli<\/span>\r\n        <strong>1100 alt\u0131<\/strong>\r\n        <p>Y\u00fcksek risk nedeniyle red veya ileri inceleme \u00f6nerilebilir.<\/p>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- PRIVACY -->\r\n  <div class=\"sce-wrap\">\r\n    <div class=\"sce-warning\">\r\n      <strong>Gizlilik notu:<\/strong>\r\n      ScoreCheck hesaplama i\u015flemini taray\u0131c\u0131 i\u00e7inde yapar. \u00dcyelik olu\u015fturulmaz,\r\n      kullan\u0131c\u0131 hesab\u0131 a\u00e7\u0131lmaz ve girilen bilgiler veri taban\u0131na kaydedilmez.\r\n      Sonu\u00e7lar yaln\u0131zca kullan\u0131c\u0131 ekran\u0131nda g\u00f6sterilir.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <!-- CTA -->\r\n  <div class=\"sce-cta\">\r\n    <h2>Kredi notunuzu hesaplamaya ba\u015flay\u0131n<\/h2>\r\n    <p>\r\n      Finansal bilgilerinizi girerek tahmini kredi skorunuzu, risk kategorinizi\r\n      ve karar \u00f6nerinizi \u00fcyelik olmadan g\u00f6r\u00fcnt\u00fcleyebilirsiniz.\r\n    <\/p>\r\n\r\n    <a href=\"https:\/\/score.mis301webproje.com.tr\/?page_id=76\" class=\"sce-btn\">\r\n      Kredi Notumu Hesapla\r\n    <\/a>\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>ScoreCheck Hesaplama Mant\u0131\u011f\u0131 Kredi notu nas\u0131l hesaplan\u0131yor? Bu sayfa, ScoreCheck arac\u0131n\u0131n tahmini kredi skorunu nas\u0131l olu\u015fturdu\u011funu sade bir dille a\u00e7\u0131klar. Ama\u00e7, kullan\u0131c\u0131ya yaln\u0131zca sonu\u00e7 g\u00f6stermek de\u011fil; sonucun hangi mant\u0131kla \u00fcretildi\u011fini de anla\u015f\u0131l\u0131r hale getirmektir. K\u0131saca hesaplama mant\u0131\u011f\u0131 Ara\u00e7, kullan\u0131c\u0131n\u0131n finansal bilgilerini al\u0131r; ayl\u0131k taksit ve bor\u00e7\/gelir oran\u0131 gibi baz\u0131 de\u011ferleri otomatik \u00fcretir; ard\u0131ndan bu bilgileri [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","omw_enable_modal_window":"enable","footnotes":""},"class_list":["post-35","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nas\u0131l Hesapl\u0131yoruz - Finansal Risk Analizi<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nas\u0131l Hesapl\u0131yoruz - Finansal Risk Analizi\" \/>\n<meta property=\"og:description\" content=\"ScoreCheck Hesaplama Mant\u0131\u011f\u0131 Kredi notu nas\u0131l hesaplan\u0131yor? Bu sayfa, ScoreCheck arac\u0131n\u0131n tahmini kredi skorunu nas\u0131l olu\u015fturdu\u011funu sade bir dille a\u00e7\u0131klar. Ama\u00e7, kullan\u0131c\u0131ya yaln\u0131zca sonu\u00e7 g\u00f6stermek de\u011fil; sonucun hangi mant\u0131kla \u00fcretildi\u011fini de anla\u015f\u0131l\u0131r hale getirmektir. K\u0131saca hesaplama mant\u0131\u011f\u0131 Ara\u00e7, kullan\u0131c\u0131n\u0131n finansal bilgilerini al\u0131r; ayl\u0131k taksit ve bor\u00e7\/gelir oran\u0131 gibi baz\u0131 de\u011ferleri otomatik \u00fcretir; ard\u0131ndan bu bilgileri [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/score.mis301webproje.com.tr\/?page_id=35\" \/>\n<meta property=\"og:site_name\" content=\"Finansal Risk Analizi\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-15T03:21:51+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Tahmini okuma s\u00fcresi\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 dakika\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/?page_id=35\",\"url\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/?page_id=35\",\"name\":\"Nas\u0131l Hesapl\u0131yoruz - Finansal Risk Analizi\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/#website\"},\"datePublished\":\"2026-05-13T23:09:39+00:00\",\"dateModified\":\"2026-05-15T03:21:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/?page_id=35#breadcrumb\"},\"inLanguage\":\"tr\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/score.mis301webproje.com.tr\\\/?page_id=35\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/?page_id=35#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Anasayfa\",\"item\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Nas\u0131l Hesapl\u0131yoruz\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/#website\",\"url\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/\",\"name\":\"Finansal Risk Analizi\",\"description\":\"An\u0131nda Finansal Riskinizi \u00d6\u011frenin !\",\"publisher\":{\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"tr\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/#organization\",\"name\":\"Finansal Risk Analizi\",\"url\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"tr\",\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/cropped-ChatGPT-Image-14-May-2026-02_20_38.png\",\"contentUrl\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/cropped-ChatGPT-Image-14-May-2026-02_20_38.png\",\"width\":1535,\"height\":422,\"caption\":\"Finansal Risk Analizi\"},\"image\":{\"@id\":\"https:\\\/\\\/score.mis301webproje.com.tr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nas\u0131l Hesapl\u0131yoruz - Finansal Risk Analizi","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"tr_TR","og_type":"article","og_title":"Nas\u0131l Hesapl\u0131yoruz - Finansal Risk Analizi","og_description":"ScoreCheck Hesaplama Mant\u0131\u011f\u0131 Kredi notu nas\u0131l hesaplan\u0131yor? Bu sayfa, ScoreCheck arac\u0131n\u0131n tahmini kredi skorunu nas\u0131l olu\u015fturdu\u011funu sade bir dille a\u00e7\u0131klar. Ama\u00e7, kullan\u0131c\u0131ya yaln\u0131zca sonu\u00e7 g\u00f6stermek de\u011fil; sonucun hangi mant\u0131kla \u00fcretildi\u011fini de anla\u015f\u0131l\u0131r hale getirmektir. 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