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Decreasing-instalment plan
For a customer with strong capacity today that will fall later: the instalment starts high and steps down by a set rate at set intervals.
Updated: 2 November 2026
Example: 250,000 TL, 24 months, 4.17% a month, KKDF 15% and BSMV 15% included. Assumed in the example: Down 5% every 6 months from instalment 7. On this plan the first instalment is 19,336 TL, the last 17,451 TL, total interest 151,505 TL. The total repaid is 5,847 TL less 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 →
The step rule
The rate and the interval are your choice; Bankacı builds the plan on them and gives the total repayment.
How it differs from equal principal
Under equal principal the instalment falls every month and the fall comes from interest; here it falls in steps, by the rate you set.
For income that will fall
It is built for someone a few years from retirement, or on a contract with a known end date: the instalment is at its highest while the income still is, and the two come down together.
The first instalment makes approval harder
Because capacity is generally measured against the largest instalment, the assessment here rests on the first one. A customer who can carry the same loan on a level plan may fall outside the limit on this one.
Frequently asked
Total interest against the standard plan?
The principal falls faster at the start, so total interest is usually lower.
How does it differ from equal principal?
In equal principal the instalment falls on its own with the balance; in the decreasing plan you set the rate at which it falls.
Who is it for?
A customer who can carry a high instalment today and wants the debt to shrink early.
See also: Seven payment plans · Increasing-instalment plan · Equal-principal plan
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