Calculation happens in the Bankacı app and portal: bankers in front of the customer, borrowers on their own phone. This page says what is computed and how; download the app to calculate, post a request for offers.
The Bankacı app (iOS and Android) offers the basic calculations free; seven plan types, the PDF schedule and part payments open with Bankacı Premium. Bankers reach the same calculations from the portal. KrediBul does not calculate; it takes requests and informs.
Instalment, total repayment and the month-by-month schedule for personal, car and housing loans; KKDF and BSMV shown separately on each instalment's interest. Beside equal instalments: equal principal, balloon, grace period, increasing, decreasing and prepaid-interest plans.
What closing or part-paying a running loan costs today: outstanding principal, accrued interest, early-payment compensation and the plan rebuilt after a part payment.
Instalment (monthly, quarterly or half-yearly), spot, revolving and cheque discounting; each with its own interest mechanics and 5% BSMV.
Gross and net return on a term deposit, the withholding effect and the maturity amount; for savings finance the payment flow of customer- or draw-based contracts and a comparison with a bank loan.
As the amount is typed, the BDDK's maximum term and loan-to-value ratio appear next to the field, with the Board decision behind them.
The average monthly rates Bankacı's users calculated with over the last 7 days. Not a bank's offer; compare the rate your bank quoted against them. bankaci.app ↗
Run the same loan through seven plan types in the Bankacı app: equal principal, balloon, grace period, increasing and decreasing instalments, prepaid interest. Send the schedule to your customer as a PDF and see the legal limits beside the amount.
Before you leave a request, read Bankacı's reference pages: the legal limits in force, the average rates people are entering, and what the loan terms mean. All free, no account needed.
The BDDK's maximum term and loan-to-value limits by amount, each with the Board decision it rests on.
bankaci.app →The average rates Bankacı's users calculated with over the last seven days, and the most-calculated brackets.
bankaci.app →KKDF, BSMV, effective rate, balloon payment, early-payment compensation: every term on the calculation screen, defined.
bankaci.app →No. Calculation happens in the Bankacı app and portal; KrediBul takes requests and informs. The example instalments on campaign pages are computed at the campaign's own rate.
The monthly contractual rate is multiplied by the taxes into a taxed rate (×1.30 on a personal loan). Instalment = amount × r ÷ (1 − (1 + r)^−term). Each month the interest runs on the outstanding principal; KKDF and BSMV sit inside the instalment as a share of that interest.
The basic calculations are free in the Bankacı app; seven plan types, the PDF and part payments are in Bankacı Premium. Posting a request is always free.
