PERSONAL LOAN
Housing loan calculation
A housing loan is long and tax-free, so interest decides its cost. Bankacı gives the instalment and the plan; enter the property value and it checks the legal loan-to-value as well.
No KKDF, no BSMV
Housing finance loans are exempt from KKDF and BSMV. Bankacı zeroes the taxes when housing is chosen; the total cost is interest alone.
Loan-to-value by energy class
The BDDK's housing rule depends on the property's value and the class on its energy performance certificate: up to 5,000,000 TRY, 90% for class A/B, 80% for C, 70% otherwise; the ratios fall in the higher brackets (Board decision 11364, 29.01.2026). No value, no limit — Bankacı asks rather than invents.
Equal principal is usually cheaper
Over a long term the equal-principal plan cuts total interest noticeably; the early instalments are higher. Bankacı compares the two side by side.
Frequently asked
How much credit does a 4,000,000 TRY class-A property support?
Up to 5,000,000 TRY the ratio for class A/B is 90%: at most 3,600,000 TRY.
Are there taxes on a housing loan?
No; housing finance loans are exempt from KKDF and BSMV.
See also: Personal, vehicle and housing loan calculations · Mortgage refinancing · Equal-principal plan · Legal limits on consumer credit in Turkey · Glossary
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