Standard fixed-instalment plan
The instalment is the same from first to last. Everyone starts here.
One loan, seven payment plans
Bankacı works out seven payment plans for a personal loan. A banker is often asked which plan the customer should 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 · 4.07%
Average over the last 7 days (30 October – 6 November 2026). Loan interest rates: user averages →
KKDF 15% and BSMV 15% included. Not any bank's offer.
| Plan | First instalment | Last instalment | Total repayment | Total interest |
|---|---|---|---|---|
| Standard fixed-instalment plan | 18,634 TL | 18,634 TL | 447,216 TL | 151,705 TL |
| Prepaid-interest plan | 25,970 TL | 17,145 TL | 437,450 TL | 144,192 TL |
| Equal-principal plan | 23,644 TL | 10,968 TL | 415,344 TL | 127,187 TL |
| Custom / balloon plan | 17,322 TL | 17,322 TL | 448,406 TL | 152,620 TL |
| Grace-period plan | 13,228 TL | 21,876 TL | 473,124 TL | 171,634 TL |
| Increasing-instalment plan | 18,174 TL | 20,037 TL | 452,817 TL | 156,013 TL |
| Decreasing-instalment plan | 19,103 TL | 17,240 TL | 441,562 TL | 147,355 TL |
What the table says
The lowest total is Equal-principal plan: 415,344 TL. The lightest start is Grace-period plan, whose first instalment is 13,228 TL.
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 first instalments are the lowest and the total is the highest.
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 rise.
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 fall, or who wants the weight early.
Assumed in the example: Down 5% every 6 months from instalment 7.
See also: Seven payment plans
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