What can the maximum term be?

In Turkey, the legal maximum term for housing loans is generally 120 months (10 years). Some banks may offer longer terms under certain conditions.

How does the down payment affect a mortgage?

The higher the down payment, the lower the loan amount you need to borrow. As a result, your monthly installment and total interest burden decrease.

Do the calculations in this tool guarantee a bank offer?

No. This tool produces estimated values. Actual loan terms vary depending on the bank's assessment, current interest rate policies, and your personal credit score.

What happens if I make an early payment?

If you make an early payment, the remaining principal decreases and your interest burden for the remaining periods decreases. Some banks may apply a commission for early closing; confirm this detail with your bank.

Home Loan Calculator - Monthly Payment

This tool only performs calculations and is NOT investment or financial advice. Rates/taxes change; verify with official sources (bank, accountant, SPK-licensed advisor) before acting.

🏦 Done calculating? Compare current rates from 8 Turkish banks →

Loan Amount (₺)

Annual Interest Rate (%)

Monthly: %0.2917

Term (Months)

10 yr 0 mo

Early Payoff (which month?)

Monthly Payment

₺4.944,29

Total Payment

₺593.315

Total Interest Cost

₺93.315

19% of the loan amount

Interest / Total Payment

%16

Principal 84%

■ Principal■ Interest

Payment Breakdown

Principal₺500.000

Total Interest₺93.315

📊 Payment Schedule

Month	Payment	Interest	Principal	Remaining Balance
1	₺4.944,29	₺1.458,33	₺3.485,96	₺496.514
2	₺4.944,29	₺1.448,17	₺3.496,13	₺493.018
3	₺4.944,29	₺1.437,97	₺3.506,32	₺489.512
4	₺4.944,29	₺1.427,74	₺3.516,55	₺485.995
5	₺4.944,29	₺1.417,49	₺3.526,81	₺482.468
6	₺4.944,29	₺1.407,20	₺3.537,09	₺478.931
7	₺4.944,29	₺1.396,88	₺3.547,41	₺475.384
8	₺4.944,29	₺1.386,54	₺3.557,76	₺471.826
9	₺4.944,29	₺1.376,16	₺3.568,13	₺468.258
10	₺4.944,29	₺1.365,75	₺3.578,54	₺464.679
11	₺4.944,29	₺1.355,31	₺3.588,98	₺461.090
12	₺4.944,29	₺1.344,85	₺3.599,45	₺457.491
13	₺4.944,29	₺1.334,35	₺3.609,95	₺453.881
14	₺4.944,29	₺1.323,82	₺3.620,47	₺450.260
15	₺4.944,29	₺1.313,26	₺3.631,03	₺446.629
16	₺4.944,29	₺1.302,67	₺3.641,62	₺442.988
17	₺4.944,29	₺1.292,05	₺3.652,25	₺439.336
18	₺4.944,29	₺1.281,40	₺3.662,90	₺435.673
19	₺4.944,29	₺1.270,71	₺3.673,58	₺431.999
20	₺4.944,29	₺1.260,00	₺3.684,30	₺428.315
21	₺4.944,29	₺1.249,25	₺3.695,04	₺424.620
22	₺4.944,29	₺1.238,47	₺3.705,82	₺420.914
23	₺4.944,29	₺1.227,67	₺3.716,63	₺417.197
24	₺4.944,29	₺1.216,83	₺3.727,47	₺413.470

Showing the first 24 of 120 months —

ℹ️ This is an estimate and may vary by bank. Mortgages in Turkey are exempt from BSMV and KKDF taxes (Law No. 6802, Art. 29). The interest rate is assumed fixed. Appraisal/file fees and DASK insurance are not included.

⚠️ 2026 interest rates change frequently between banks and campaigns — verify the current rate with your bank or the Mortgage Bank Comparison tool before applying.

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💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.

Frequently asked questions

With fixed-rate loans, the installment amount does not change over the term; this makes budget planning easier. With variable-rate loans, your monthly payments can rise or fall according to market conditions. For your choice, it is recommended that you speak with a bank advisor. This tool does not replace professional financial advice.

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