How installment calculation works
The payment amortizes interest and principal over the term. Early installments are interest-heavy; later ones repay more principal.
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Find your installment from amount, rate and term.
Data updated: 2026-08-12
Content updated: 2026-10-22
Sources
- Gelir İdaresi Başkanlığı
- SGK
- Çalışma ve Sosyal Güvenlik Bakanlığı
- EPDK
- Mevzuat Bilgi Sistemi
- CSGB / Asgari Ücret Tespit Komisyonu (2026 brüt/net)
- GİB gelir vergisi tarifesi 2026
- EPDK mesken elektrik kademeli tarife (yaklaşık)
- BOTAŞ / dağıtım şirketleri doğalgaz (yaklaşık)
- Hazine ve Maliye — kıdem tazminatı tavanı 1. dönem 2026
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How is it calculated?
Uses the standard annuity payment formula.
PMT = P · i(1+i)^n / ((1+i)^n − 1)
Official sources
Example
200,000 at 3.5% annual for 36 months.
Guide
Estimate fixed monthly loan payments from principal, interest rate, and term using an annuity formula. Bank fees and insurance can raise the true cost.
2026 lending notes and common mistakes
Market rates shift in 2026. Entering an annual rate as monthly, or comparing only the installment without total cost, misleads borrowers.
Tips
- Include fees when comparing offers.
- Guidance only—rely on the bank’s disclosure form.
Sources: Banking regulator · Product information sheets
FAQ
Same as a bank quote? +
This is the mathematical installment; banks may add fees.