Konut Kredisi Calculator — Türkiye
Estimate your monthly konut kredisi payment in TRY using Türkiye's typical rates, and see the full interest cost. No signup, no tracking.
Local rates & providers
Mortgage rates ≈ 42–48% p.a. TCMB policy rate held at 37% (March 2026, down from 50% peak). Max loan typically 80% of property value, tenure up to 10 years. Providers: Ziraat, İş Bankası, Garanti, Akbank.
Reference figures, ~2026. The Türkiye Cumhuriyet Merkez Bankası (TCMB) sets the policy rate; your offered rate depends on your profile, deposit and the lender. Verify current rates before deciding.
Worked example
For every ₺1,000,000 borrowed at 44.00% over 20 years:
- Monthly payment: ₺36,673
- Total repaid: ₺8,801,553
- Total interest: ₺7,801,553
Scale this to your loan amount — e.g. ₺3,000,000 costs about 3× these figures. A larger deposit and shorter term cut the interest sharply.
Frequently Asked Questions
How is the konut kredisi payment calculated in Türkiye?
Lenders use the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months. The fin·calc tool applies the same formula with Türkiye's typical rate.
What is the current home loan rate in Türkiye?
As a 2026 reference, typical rates are around 44.0% per year, linked to the Türkiye Cumhuriyet Merkez Bankası (TCMB) policy rate. Mortgage rates ≈ 42–48% p.a. TCMB policy rate held at 37% (March 2026, down from 50% peak). Max loan typically 80% of property value, tenure up to 10 years. Providers: Ziraat, İş Bankası, Garanti, Akbank.
How much deposit do I need?
A larger down payment lowers both your rate and total interest, and reduces the lender's risk. Most lenders also add valuation, legal and registration costs on top of the deposit.
Can I reduce the total interest?
Yes — a bigger deposit, a shorter term, and extra or early repayments all cut total interest significantly. Use the prepayment option in the calculator to see your exact saving.