How the comparison works
Loan side ≈ down payment + payment × months; rent side ≈ rent × months. Summary follows the gap sign.
Housing
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Rent vs Mortgage
Compare total rent vs loan cost over the same period.
Last updated: 2026-08-12
Sources
- 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
Compare with last save
Previous: · Delta:
How is it calculated?
Anüite taksit formülüyle aylık kredi ödemesi bulunur. Dönem toplamı = peşinat + taksit×ay. Kira toplamı = kira×ay. Bakım/vergi/enflasyon basitleştirilmiştir.
kredi toplamı vs kira×ay
Bu değerler bilgilendirme amaçlı yaklaşık rakamlardır. Resmi ve güncel kaynakları (Gelir İdaresi, SGK, EPDK, BOTAŞ, CSGB vb.) kontrol edin.
Example
4M konut, %20 peşinat, 10 yıl, 35K kira.
Guide
Compares total rent versus mortgage cost (down payment + annuity payments) over the same years. Simplified—no full tax, maintenance, or appreciation model. Not advice.
2026 notes and common mistakes
Rates and rent caps can shift in 2026. Comparing monthly payment alone while ignoring the down payment misleads.
Tips
- Run 5–10–15 year scenarios with your real offer rate.
- For information only—you decide rent or buy.
Sources: Banking regulator · CBRT · Obligations law
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FAQ
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No. Works without an account.
Official result? +
Informational only; verify official sources.