Mortgage Calculator
Mortgage installment, interest, and total cost calculation. Including KKDF 15% and BSMV 10%.
Last updated: Şubat 2025 · 2025 yılı güncel verileri kullanılmıştır
Frequently Asked Questions
Is a down payment required for a mortgage?
Yes, according to BRSA regulations, at least a 20% down payment is required for mortgages. This means a maximum of 80% of the property value can be financed. Some banks may require a higher down payment rate.
How are KKDF and BSMV calculated in mortgages?
In mortgages, KKDF at 15% and BSMV at 10% are added to the interest. For example, with a 2% monthly rate, the effective rate is: 2% x 1.15 x 1.10 = 2.53%. These taxes directly affect the installment amount.
What is the maximum mortgage term?
Mortgage terms generally range from 120 months (10 years) to 360 months (30 years). A longer term reduces installments but significantly increases total interest cost.
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