Housing loan calculation
In the 2 November 2026 read, the monthly housing loan rate 21 banks publish on their own pages runs from 2.88% to 5.99%. A housing loan (mortgage) 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.
Updated: 2 November 2026
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Enter an amount and a term and we will estimate the instalment.
Leave a request with theseThe example loan
1,000,000 TL · 120 months · 2.97%
- Estimated monthly instalment
- 30,613.32 TL
- Total repayment
- 3,673,602.61 TL
KKDF 0% and BSMV 0% included. Not any bank's offer.
Average over the last 7 days (26 October – 2 November 2026). Loan interest rates: user averages →
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). Without the property value there is no limit, so Bankacı asks for it.
Equal principal is usually cheaper
Over a long term the equal-principal plan cuts total interest; 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: Retail loans: personal, vehicle and housing loan calculation · Mortgage transfer calculation · Equal-principal plan · Early loan payoff and part payment calculation · BDDK legal limits on consumer credit in Turkey · Glossary
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