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Grace-period plan
For a business whose cash flow starts late, or a buyer waiting on delivery: interest only in the opening months, principal afterwards.
Updated: 2 November 2026
Example: 250,000 TL, 24 months, 4.17% a month, KKDF 15% and BSMV 15% included, interest only for the first 6 instalments. On this plan the first instalment is 13,553 TL, the last 22,096 TL, total interest 176,182 TL. The total repaid is 26,233 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 →
Two periods
In the grace period the instalment is interest and its tax alone; once principal starts, the annuity runs over the remaining term. Bankacı shows the two periods separately.
Its cost
The principal waits, so total interest is higher than the standard plan's; in exchange the opening months are light.
Buying a home that is not finished
Someone buying an unfinished home pays rent and an instalment at the same time for a while. The interest-only period brings the instalment down to interest alone until handover; after that the rent stops and the principal period begins.
What the instalment becomes afterwards
The overall term does not change, so the principal is spread over a shorter time and the later instalments come out higher than on a level plan.
Frequently asked
What does a grace period mean?
Opening months in which only the interest (with its taxes) is paid and the principal instalments start later. The principal does not fall during these months, so interest keeps accruing on the full balance and the total cost rises accordingly.
How long can the grace period be?
In Bankacı you choose its length; the bank's product limits apply.
What is paid during the grace period?
Only that month's interest, with its KKDF and BSMV; the principal instalments start when the period ends.
Why does the total cost rise?
The principal does not fall during the grace period, so interest keeps accruing on the full balance; if the term stays the same, the later instalments rise as well.
See also: Seven payment plans · Custom / balloon plan
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