What are KKDF and BSMV, and are they included?

KKDF (Resource Utilization Support Fund) and BSMV (Banking and Insurance Transactions Tax) are legal levies added on top of mortgage interest in Turkey. The tool factors these in using current 2026 rates.

How is the monthly payment calculated?

It uses the equal-installment (annuity) method, so your payment stays fixed throughout the term. Early on, more of each payment goes to interest, while in later months more goes toward principal.

How do I find out the early payoff amount?

The early payoff feature shows the remaining principal you would pay if you settle the loan in a given month, along with the interest you would save. This helps you weigh the benefit of paying off early.

What is the principal and interest breakdown for?

The breakdown table shows how much of each installment goes toward principal versus interest, month by month. It lets you see how quickly your debt is actually shrinking.

Should I enter the interest rate as annual or monthly?

Turkish banks usually quote mortgage rates monthly, so entering the monthly rate in the requested format gives accurate results. You can roughly convert an annual rate to monthly by dividing it by 12.

Will the results exactly match the figures from my bank?

The results are estimates for informational purposes; bank fees such as file charges, insurance and appraisal can cause differences. For a binding repayment schedule, request an official offer from your bank and check current regulations.

Why can the total interest come close to the loan amount?

On long terms (for example 120 months or more), the compounding effect can push total interest close to or even above the principal. Shortening the term or increasing your down payment can significantly reduce the total interest burden.

Mortgage calculator — Free Online

⚠️

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.

🏦 Hesaplamayı bitirdin mi? 8 Türk bankasının güncel faizini karşılaştır →

Kredi Tutarı (₺)

Yıllık Faiz Oranı (%)

Aylık: %0.2917

Vade (Ay)

10 yıl 0 ay

Erken Kapama (kaçıncı ayda?)

Aylık Taksit

₺4.944,29

Toplam Ödeme

₺593.315

Toplam Faiz Yükü

₺93.315

Kredi tutarının %19'i

Faiz / Toplam Ödeme

%16

Anapara %84

■ Anapara■ Faiz

Ödeme Dağılımı

Anapara₺500.000

Faiz Toplamı₺93.315

📊 Ödeme Planı

Ay	Taksit	Faiz Payı	Anapara Payı	Kalan Bakiye
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

120 ayın ilk 24 ayı gösteriliyor —

ℹ️ Hesaplama tahmini olup bankaya göre değişiklik gösterebilir. Konut kredilerinde BSMV ve KKDF muaftır (Kanun No: 6802 Md.29). Faiz oranı sabit kabul edilmiştir. Ekspertiz/dosya masrafı ve DASK eklenmemiştir.

AI Doğrulama

Sonuç hesaplandığında AI doğrulayıcı çalışacak…

Auto-deleted in 7 days

256-bit SSL

Support

Your files are encrypted with SSL and automatically deleted from our servers 7 days after processing.

📖 How to Use

Enter values

Fill required numbers in the form.

Pick parameters

Currency / date / rate / bracket.

Compute

Result appears instantly.

Copy / share

Copy or share as link.

💰 Bu araç finansal danışmanlık değildir, sadece hesaplama yardımcısıdır. Yatırım kararları için SPK lisanslı bir yatırım danışmanına başvurun. Geçmiş performans gelecek getiriyi garanti etmez.

Frequently asked questions

Based on your loan amount, term and interest rate, it calculates the monthly payment, total repayment and total interest. It also shows a month-by-month breakdown of principal and interest.

Mortgage Calculator

📖 How to Use

Frequently asked questions