Savings finance contracts
Savings finance (contract savings) is not a loan: the customer saves first, receives an allocation, then repays the rest. The shape of the calculation follows from that.
Updated: 2 November 2026
Two kinds of contract
In a customer-based contract the allocation date is known from the start. In a draw-based one it is decided by a draw; the calculation treats the two cases separately.
Three asset types
Housing, vehicles and roofed workplaces are calculated separately. The organisation fee is charged on the contract value and is one of the figures that decides the total cost.
Comparing it with a loan
Because the contract carries no interest, customers often read it as costing nothing. The comparison belongs on the organisation fee and the saving period: a loan puts the money in their hands today, this puts it there on the allocation date.
The saving period is part of the plan
The total length is the saving period plus the repayment period.
Legal thresholds
For an allocation, the savings must reach at least 45% of the contract amount (previously 40%) and at least 45% of the contract term must have passed (previously 40%). At least 180 days of saving (previously 150) and at least 5 savings payments are required. In a customer-based contract, leaving out the down payment, the lowest instalment cannot be less than a third of the highest, and the financing is at most 1.5 times the savings. After the allocation the financing runs for at most 120 months on a home, 60 on a vehicle and 120 on a roofed workplace. Basis: the Regulation on the Establishment and Operating Principles of Savings Finance Companies; the 45%, the 180 days and the one-third rule came with BDDK Board decision 11482 of 25.06.2026.
Frequently asked
Does savings finance carry interest?
The contract is interest-free; the cost is the organisation fee and any other charges. Bankacı builds the total from those.
How does the allocation date change the sum?
Before allocation the customer only saves; after it, repayment begins. When the allocation falls decides both the total duration and the monthly burden.
See also: Housing loan calculation · Vehicle loan calculation · Glossary
Be ready for your next calculation.
Download Bankacı for free.
Scan with your phonebankaci.app/indir