Standard fixed-instalment plan
The instalment is the same from first to last. Everyone starts here.
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PAYMENT PLANS
One loan, seven payment plans
Bankacı works out seven payment plans for a personal loan. The question a banker is actually asked is rarely “what is the instalment” — it is “which plan should this customer be on”. Below, one loan is priced with all seven; the table shows the shape each plan gives the instalment.
The example loan
250,000 TL · 24 months · 3.60% a month
KKDF 15% and BSMV 15% included. Not any bank's offer.
| Plan | First instalment | Last instalment | Total repayment | Total interest |
|---|---|---|---|---|
| Standard fixed-instalment plan | 17,558 TL | 17,558 TL | 421,390 TL | 131,839 TL |
| Prepaid-interest plan | 25,999 TL | 16,154 TL | 413,680 TL | 125,907 TL |
| Equal-principal plan | 22,117 TL | 10,904 TL | 396,250 TL | 112,500 TL |
| Custom / balloon plan | 17,558 TL | 13,963 TL | 410,698 TL | 123,614 TL |
| Grace-period plan | 11,700 TL | 20,855 TL | 445,593 TL | 150,456 TL |
| Increasing-instalment plan | 17,103 TL | 18,856 TL | 426,118 TL | 135,475 TL |
| Decreasing-instalment plan | 18,023 TL | 16,266 TL | 416,607 TL | 128,159 TL |
What the table says
The lowest total is Equal-principal plan: 396,250 TL. The lightest start is Grace-period plan, whose first instalment is 11,700 TL. They are not the same plan — one keeps the total down, the other keeps the early months easy.
Prepaid-interest plan
Part of the interest is paid on the day the loan is drawn, and the instalments that follow are lower.
Assumed in the example: 20,000 TL of interest paid up front.
Equal-principal plan
Principal is repaid in equal parts, so the instalment starts high and falls. This is usually the one with the least interest.
Custom / balloon plan
A large payment lands on a date you choose — for a customer expecting a bonus, a commission or a sale.
Assumed in the example: An extra 50,000 TL paid with instalment 12.
Grace-period plan
The first months pay interest only and the principal waits. The lightest start, the heaviest total.
Assumed in the example: No principal repaid in the first 6 instalments.
Increasing-instalment plan
The instalment climbs in steps — for a customer whose income will.
Assumed in the example: Up 5% every 6 months from instalment 7.
Decreasing-instalment plan
The instalment falls in steps — for a customer whose income will, or who wants the weight early.
Assumed in the example: Down 5% every 6 months from instalment 7.
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