PREMIUM
Custom / balloon plan
For loans where some instalments have to be different: a large payment in bonus month, a balloon at harvest. You set the amount on the chosen instalments and Bankacı balances the rest.
Updated: 2 November 2026
Example: 250,000 TL, 24 months, 4.17% a month, KKDF 15% and BSMV 15% included. Assumed in the example: An extra 50,000 TL paid with instalment 12. On this plan the first instalment is 17,568 TL, the last 17,568 TL, total interest 156,969 TL. The total repaid is 1,256 TL more than on the standard plan. Not a bank's offer.
Average over the last 7 days (26 October – 2 November 2026). Loan interest rates: user averages → Payment plan comparison →
Row by row, or as a range
Instalments can be entered one at a time, or a range such as 6–10 can take one amount in a single line. A row already in the form is overwritten, not duplicated.
The remaining instalments
After the custom amounts, the remaining principal is spread evenly over the remaining instalments and total interest is recalculated.
Who it is built for
It suits customers whose income does not arrive evenly: a farmer who sells once a year, a seasonal tourism business, an employee whose bonus lands in known months.
Build the plan with the customer
The month the large payment belongs in is one the customer already knows; take the month and the amount from them.
Frequently asked
What if the balloons exceed the principal?
Bankacı refuses the invalid plan and says so; the custom payments cannot exceed the remaining principal.
Which month can the balloon go on?
Any instalment within the term, one at a time or the same amount across a range. The remaining instalments are recalculated.
How do the remaining instalments change?
Balloon payments bring the principal down early, so the instalments between and after them shrink and the total interest falls.
See also: Seven payment plans · Grace-period plan
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