Loan Fee Calculator
Enter the loan amount and type. The most a bank may charge as a loan fee (kredi tahsis ücreti), the BSMV on it, and whether your bank’s fee exceeds the legal cap are worked out.
- Legal cap (before BSMV)1,250.00 ₺
- Loan fee1,250.00 ₺
- BSMV on the fee187.50 ₺
- Other costs0.00 ₺
- Total upfront cost1,437.50 ₺
BSMV rate: GİB / Cumhurbaşkanı Kararı
Fee caps: TCMB
How it is calculated
On loans to consumers banks may charge only a single loan allocation fee; no other fee such as a credit check or schedule change fee is allowed. The cap is set by the central bank as a share of the loan. Third-party costs such as valuation and mortgage registration can be passed on separately.
Azami dosya masrafı = Kredi tutarı × binde 5; Ödenecek = Ücret × (1 + BSMV)Consumer loans add BSMV of 15% to the fee; a first-home mortgage carries none. Business loans have no legal cap.Example
On a ₺250,000 personal loan the fee can be at most 250,000 × 0.005 = ₺1,250. With 15% BSMV you pay ₺1,437.50.
Frequently asked questions
What is the most a bank can charge as a loan fee?
For consumer and home loans the fee may not exceed 5 per thousand of the loan (before BSMV).
Can I get back a fee above the cap?
Yes. Ask the bank in writing first; if it refuses, apply to the consumer arbitration committee or the consumer court, depending on the amount.
Is BSMV added to the loan fee?
Yes. Fees on consumer loans carry BSMV of 15%; on business loans, 5%. A mortgage for a first home is exempt.