As of April 2026, mortgage loan interest rates are generally in the range of 2.49% and 2.99%. Calculations made according to these rates reveal serious differences in loan costs.
A citizen who takes out a loan of 2 million TL at the lowest interest rate of approximately 2.49%:
Monthly installment: approximately 52,500 TL
Total repayment: approximately 6.3 million TL
occurs at the level.
If the interest rate rises, the picture changes rapidly. For example:
At an interest rate of 2.65%, the monthly payment increases to 55 thousand TL.
In the 2.85% – 3.25% band, monthly installments vary between 59 thousand TL and 66 thousand TL.
In this case, the total repayment can exceed 7 million TL.
The interest rate difference between banks creates a variation of millions of lira in the total repayment. According to current calculations:
Total payment in the lowest scenario: 6.3 million TL
Medium level: 7 – 7.5 million TL
In a high-interest scenario: It can go up to 8.5 million TL
