Ziraat Bankası loan interest rates
These are the current rates Ziraat Bankası publishes on its own pages. They are the bank's announcement, not an offer from Bankacı. Every product shows where its figure came from.
As of 2 November 2026
Personal loan
4.09% – 4.99%
Dijital Kredi (25–36 ay)
- Term: 1–36 months
- Bankacı users enter 4.09% on average in their personal and vehicle loan calculations
Ranked 25 of 27 banks publishing a personal loan rate, lowest first. The 27-bank average is 3.63%; this rate is 0.46 points above it. Last change in the 19 October 2026 read: 4.19% before, 4.09% after.
Ziraat Bankası personal loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (4.09% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- 18 yaşını doldurmuş olmak
- gelir belgesi
- Bankkart, KMH ve Talimat Ürünlerine sahip olan veya yeni başvuruda bulunan
- BES, AZG, DASK, Konut Sigortası, KASKO, Eşya Sigortası ürünlerinden en az iki tanesine sahip olan veya yeni başvuruda bulunan
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 4.09% – 4.99% |
| 26 October 2026 | 4.09% – 4.99% |
| 19 October 2026 | 4.09% – 4.99% |
| 16 October 2026 | 4.19% – 4.99% |
| 12 October 2026 | 4.19% – 4.99% |
| 10 October 2026 | 4.19% – 4.99% |
| 5 October 2026 | 4.19% – 4.99% |
| 28 September 2026 | 4.19% – 4.99% |
| 25 September 2026 | 4.19% – 4.99% |
| 24 September 2026 | 4.99% |
| 23 September 2026 | 4.99% |
| 22 September 2026 | 4.99% |
Housing loan
2.89%
Konut Kredisi
- Term: 1–120 months
- Bankacı users enter 2.98% on average in their housing loan calculations
Ranked 3 of 21 banks publishing a housing loan rate, lowest first. The 21-bank average is 3.25%; this rate is 0.36 points below it. Last change in the 25 September 2026 read: 3.19% before, 2.89% after.
Ziraat Bankası housing loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (2.89% a month), not an offer.
Leave a request with theseConditions
- Bankkart, KMH ve Talimat Ürünlerine sahip olan veya yeni başvuruda bulunan
- BES, AZG, Konut Sigortası, KASKO, Eşya Sigortası, Bankacılık Hizmetleri Ücret Paketleri ürünlerinden en az dört tanesine sahip olan veya yeni başvuruda bulunan
- 120 aya kadar vade imkanı
- Konutun tamamlanma seviyesine dikkat edilir
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 2.89% |
| 26 October 2026 | 2.89% |
| 19 October 2026 | 2.89% |
| 16 October 2026 | 2.89% |
| 12 October 2026 | 2.89% |
| 10 October 2026 | 2.89% |
| 5 October 2026 | 2.89% |
| 28 September 2026 | 2.89% – 3.19% |
| 25 September 2026 | 2.89% – 3.19% |
| 24 September 2026 | 3.19% |
| 23 September 2026 | 3.19% |
| 22 September 2026 | 3.19% |
Vehicle loan
3.29% – 3.49%
Taşıt Kredisi
- Term: 1–48 months
- Bankacı users enter 4.09% on average in their personal and vehicle loan calculations
Ranked 3 of 22 banks publishing a vehicle loan rate, lowest first. The 22-bank average is 3.69%; this rate is 0.40 points below it. Last change in the 25 September 2026 read: 4.79% before, 3.29% after.
Ziraat Bankası vehicle loan calculator
Enter an amount and a term and we will estimate the instalment.
Estimated with the bank's published rate (3.29% a month), not an offer. KKDF 15% and BSMV 15% included.
Leave a request with theseConditions
- Kaskosu Bankamızdan yapılan taşıt kredisi finansmanında
- Bankkart, KMH ve Talimat Ürünlerine sahip olan veya yeni başvuruda bulunan
- BES, AZG, DASK, Konut Sigortası, KASKO, Eşya Sigortası ürünlerinden en az iki tanesine sahip olan veya yeni başvuruda bulunan
- 0-400.000 TL fatura değeri
Published rate by date read
| Date | Rate |
|---|---|
| 2 November 2026 | 3.29% – 3.49% |
| 26 October 2026 | 3.29% – 3.49% |
| 19 October 2026 | 3.29% – 3.49% |
| 16 October 2026 | 3.29% – 3.49% |
| 12 October 2026 | 3.29% – 3.49% |
| 10 October 2026 | 3.29% – 3.49% |
| 5 October 2026 | 3.29% – 3.49% |
| 28 September 2026 | 3.29% – 4.79% |
| 25 September 2026 | 3.29% – 4.79% |
| 24 September 2026 | 4.79% |
| 23 September 2026 | 4.79% |
| 22 September 2026 | 4.79% |
Ziraat Bankası deposit interest rates
Ziraat Bankası publishes the deposit rates below on its own pages, as of 2 November 2026. Not an offer.
The real gross rate leaves out the part that earns nothing; it is before withholding tax and not an offer.
First-day real gross rate on ₺1,000,000 26.4%
- The rate depends on the balance
- ₺15,000 – ₺10,000,000 of the balance earns no interest, by balance
- This rate applies to at most ₺100,000,000
- Same-day interest: pay in by 17:00
- Rates given for ₺50,000 – ₺5,000,000
- In branch only
- Rates given from ₺1,000
- Mobile and internet banking only
- Rates given from ₺1,000
- The rate depends on the amount
- At least ₺500,000 for 31%
Ziraat Bankası credit cards
Ziraat Bankası lists 6 cards on its own site.
Ziraat Bankası credit card campaigns
125 current campaigns on Ziraat Bankası cards. Card programme: Bankkart.
Legal limits
Read the bank's rate together with the legal limits: maximum term, loan-to-value on vehicles, the maximum contractual rate for the product.
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What every other bank publishes for the same product, on one page. What Bankacı's own users calculate with is a separate page.
Frequently asked
What is the Ziraat Bankası personal loan interest rate?
In the 2 November 2026 read, Ziraat Bankası publishes a monthly rate between 4.09% and 4.99% on its own pages; term 1–36 months. Not an offer.
What is the Ziraat Bankası housing loan interest rate?
In the 2 November 2026 read, Ziraat Bankası publishes a monthly rate of 2.89% on its own pages; term 1–120 months. Not an offer.
What is the Ziraat Bankası vehicle loan interest rate?
In the 2 November 2026 read, Ziraat Bankası publishes a monthly rate between 3.29% and 3.49% on its own pages; term 1–48 months. Not an offer.
What is the Ziraat Bankası business loan interest rate?
In the 2 November 2026 read we found no published business loan rate for Ziraat Bankası. Ask the bank for it.
What deposit interest rate does Ziraat Bankası pay?
The deposit rates we read on Ziraat Bankası's pages, as of 2 November 2026: Günlük Kazanan Hesap 4.5% – 36.5% (first-day real gross rate on ₺1,000,000: 26.4%); Avantajlı Vadeli Hesap 22% – 29%; Vadeli TL Mevduat Hesabı 4.5% – 5%; Vadeli TL Mevduat Hesabı (İnternet Şube) 4.5% – 31%. The real gross rate leaves out the part that earns nothing; it is before withholding tax and not an offer. The bank may have other deposit products we do not read. Not an offer.
This page carries only what the banks themselves publish in public. Bankacı guarantees no rate, no condition and no figure's currency, and offers neither an offer nor advice. The page is not affiliated with Ziraat Bankası. The current rate, the conditions and the application belong to the bank. Every product links to its source.
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