Alternative payment plans
Once a calculation is done, Bankacı also works out what the other plans would give, all with the same inputs.
Updated: 2 November 2026
What it compares
For each alternative it shows the first instalment, the last instalment, the total repayment and the difference against the current plan. On one screen you can tell the customer "your average instalment drops by this much in the first year, and you pay this much more in total".
Not financial advice
These are mathematical results computed from the same loan details. Which plan suits a customer depends on their cash flow, and that judgement is the banker's.
The two figures that get discussed
What is paid this month and what is paid in total move in opposite directions: the plan that lowers the opening instalment raises the total.
The loan is not entered twice
The comparison runs on the inputs of the calculation you already made; the amount and the term are not retyped.
Frequently asked
Where do the suggestions come from?
From recalculating the other plans with the loan details you entered. No outside data and no forecasting is involved.
Can I open a suggested plan directly?
Yes, you can move from the comparison into that plan's own result.
See also: Seven payment plans · Loan AI Assistant
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