Loan Restructuring Calculator
Enter the remaining principal, the new rate and the new term. The new payment, the total repayment and the extra cost or saving against your current plan are worked out.
- Principal restructured180,000.00 ₺
- Total interest203,749.98 ₺
- Loan taxes (KKDF + BSMV)61,124.99 ₺
- New total repayment444,874.97 ₺
- Left to pay on the current plan285,000.00 ₺
- Extra cost of restructuring159,874.97 ₺
KKDF rate: GİB / Cumhurbaşkanı Kararı
BSMV rate: GİB / Cumhurbaşkanı Kararı
Personal loan term limit: BDDK
Payment schedule
How it is calculated
Restructuring re-spreads the remaining debt over a new rate and term. A longer term lowers the payment but usually raises the total cost, as interest runs for longer. BDDK’s term limits by amount also apply when a personal loan is restructured.
Yeni taksit = K × r′ ÷ (1 − (1 + r′)^−n); Ek maliyet = Yeni taksit × n − Eski taksit × kalan taksitK: remaining principal · r: new monthly rate · n: new term · r′ = r × (1 + KKDF + BSMV); personal and car loans: KKDF 15%, BSMV 15%.Example
Restructuring ₺180,000 at 3.49% a month over 48 months (KKDF and BSMV at 15% each) gives a new payment of ₺9,268.23 and ₺444,874.97 in total. Against the old plan of 30 × ₺9,500 = ₺285,000 the payment falls by ₺231.77, but you pay ₺159,874.97 more overall.
Frequently asked questions
Over how many months can a personal loan be restructured?
BDDK applies the personal loan term limits to restructuring too: up to ₺125,000, 36 months; up to ₺250,000, 24 months; above that, 12 months. Time-limited BDDK decisions can allow longer terms for loans in arrears.
Is restructuring always more expensive?
No. If the new rate is clearly lower and the term does not stretch much, the total can fall. Enter your current payment and the payments left to see the difference.