PERSONAL LOAN
Vehicle loan calculation
A secured vehicle loan is limited by the car's invoice value, not by the size of the loan. While Bankacı works out the instalment it also says how much credit that value supports and for how many months.
Loan-to-value
Up to 400,000 TRY the loan may be 70% of the value for 48 months; up to 800,000, 50% and 36 months; up to 1,200,000, 30% and 24; up to 2,000,000, 20% and 12; above that no vehicle loan may be extended (Board decision 10099, 21.02.2022).
Electric vehicles have their own table
The limits are wider for electric vehicles: 70% and 48 months up to 2,500,000 TRY, stepping down to 7,500,000 (Board decision 11158, 06.03.2025).
Same taxes as a personal loan
KKDF and BSMV are charged on the interest; the arithmetic is the personal loan's. What changes is the legal table being read.
Frequently asked
How much credit does a 600,000 TRY car support?
Up to 800,000 TRY the ratio is 50%: 300,000 TRY, for at most 36 months.
Is it the same for a used car?
The limit follows the vehicle's value; Bankacı uses the invoice or insured value, and for a used car the value the bank accepts.
See also: Personal, vehicle and housing loan calculations · Personal loan calculation · Legal limits on consumer credit in Turkey · Glossary
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