PREMIUM
Increasing-instalment plan
For a customer whose income will grow: the instalment starts low and steps up 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: Up 5% every 6 months from instalment 7. On this plan the first instalment is 18,407 TL, the last 20,293 TL, total interest 160,460 TL. The total repaid is 5,794 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 →
The step rule
The rate and the interval (say 5% every 12 months) are your choice; Bankacı gives the first and last instalment and the total repayment accordingly.
The comparison
The alternative-plans screen shows the increasing plan's first-year average instalment and the total-repayment difference against the standard plan.
The step has to be realistic
The plan rests on the assumption that the income really will grow. Set the step above the customer's own rate of increase and the later instalments become unpayable. Bankacı shows the final instalment from the start.
It does not make the application easier
Banks generally measure capacity against the largest instalment, which here is the last one, so the low opening instalment does not lighten the assessment.
Frequently asked
Why is the total repayment higher?
The principal falls more slowly at the start, so total interest rises; in exchange the early instalments are low.
How is the increase set?
You enter the rate; the instalment grows by it every period. Bankacı shows the first and the last instalment side by side.
Who is it for?
A customer whose income will rise: a low instalment now, a higher one later.
See also: Seven payment plans · Decreasing-instalment plan
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