PREMIUM
Equal-principal plan
The principal falls by the same amount each month; interest is charged on what remains. The instalment starts high and falls every month; total interest is lower than the standard plan's.
Updated: 2 November 2026
Example: 250,000 TL, 24 months, 4.17% a month, KKDF 15% and BSMV 15% included. On this plan the first instalment is 23,969 TL, the last 10,981 TL, total interest 130,312 TL. The total repaid is 33,398 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 →
First instalment, last instalment
Bankacı shows the first and the last instalment together; the gap between them is the figure most used when explaining this plan.
Who it is for
A customer who can carry the early instalments and wants to cut the total cost, especially on a long housing loan.
Affordability is read off the first instalment
Banks generally assess capacity against the largest instalment rather than the average, and here that is the first one. A customer who can carry the same loan on a level plan may fall outside the limit on this one.
The gap widens with the term
The difference in total interest grows with the term, because the effect of paying principal down early accumulates month after month. It is small on a short personal loan and largest on a long mortgage at the same rate.
Frequently asked
How much is saved against the standard plan?
It depends on the amount, term and rate; Bankacı compares the two plans on the same inputs side by side.
Why is the first instalment the highest?
The principal is the same every month while the interest is charged on the balance left; the balance is highest at the start, so the interest is too, and the instalment falls every month.
Which customer is it for?
One who can carry the high early instalments and wants to pay less interest in total.
See also: Seven payment plans · Standard fixed-instalment plan · Housing loan calculation
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