Kali. logosu: Kerem Ali Yörükoğlu, Zekeriyaköy emlak danışmanı
Tool · live Central Bank rates

Mortgage calculator

Using the current average mortgage rate published by the Central Bank, calculate your monthly payment and total cost instantly. Monthly Interest Rate: 3.49%.

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For informational purposes only. The monthly rate is auto-pulled from the CBRT housing-loan weekly weighted average (last update: 11-09-2026). Contact your bank for an exact offer.

How it works

  1. Property price: the full purchase price.
  2. Deposit: your own funds, usually 20-50%.
  3. Term: the length of the loan in months; 60 to 240 is typical.
  4. Interest rate: pulled automatically from the Central Bank feed, and editable by hand.
  5. Result: monthly payment, total repayment and total interest.

Frequently Asked Questions

Can a foreign national obtain a mortgage in Türkiye?
Yes. Turkish banks lend to foreign nationals at 50-60% loan-to-value over five to ten years, usually at a higher rate than for residents. Most investors pursuing citizenship pay in cash.
What is needed to apply?
Payslips for the last three months, a tax certificate where applicable, identification, proof of address, a credit score (a Findeks score of 1500 or above is advisable) and a deposit of 20-50%. A bank valuation is required at the title transfer.
What share of income should the monthly payment be?
Banks generally cap the payment at 35% of gross monthly income. Thirty per cent is a safer target.
Which term makes most sense?
A short term of five to ten years minimises total interest but raises the monthly payment. A long term of fifteen to twenty years lowers the payment but multiplies the total cost. Ten to twelve years is usually the best balance.

Advice on planning your mortgage

For lender comparison, the title transfer process and negotiation support: Kerem Ali Yörükoğlu, Keller Williams.

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