AFFORDABILITY
Start from the instalment
A customer usually does not know how much they want to borrow; they know what they can pay a month. This calculator takes the question from that side: instalment, term and rate to loan amount.
The calculation, reversed
You enter the monthly amount, the term and the rate; Bankacı returns the loan that instalment carries, the total repayment and the total interest. The same annuity formula, run the other way.
Four loan types
Personal, vehicle, housing and business are calculated separately, because the taxes and the legal table to read change with the type.
The legal limit under the result
The BDDK maximum term for the resulting amount is printed right under it. If the instalment was spread over 24 months and that amount allows 12, you see it before the customer does.
Frequently asked
Are the taxes included?
Yes. KKDF and BSMV are applied on the interest component as on a personal loan; the instalment you enter is the instalment with taxes.
Is the result what the bank will lend?
No. It is the amount that instalment mathematically carries. What is actually lent depends on the bank's assessment and terms.
See also: Personal, vehicle and housing loan calculations · Seven payment plans · Legal limits on consumer credit in Turkey
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