Mortgage Down Payment and Maximum Loan Limit
Estimate the regulatory maximum mortgage and minimum down payment from BDDK loan-to-value limits, energy class and existing household home ownership.
Calculator
Result
Enter the values and press Calculate to see the result here.
About this tool
BDDK Board Decision 11364 dated 29 January 2026 sets maximum loan-to-value ratios for home-purchase and non-vehicle home-secured consumer loans by property value band and Energy Performance Certificate class. Under Decision 10656, the applicable ratio is reduced by 75% if the consumer, spouse or a child under 18 owns at least one qualifying home. First-hand versus second-hand status no longer changes the ratio. This calculator estimates the regulatory cap from the entered appraised value.
How to use
Enter the appraised value, choose the Energy Performance Certificate class, and indicate whether the consumer, spouse or a child under 18 owns a qualifying home under BDDK Decision 10656.
Notes
The ownership definition has exceptions and must be confirmed by the lender using supporting documents.
This is a regulatory collateral-value ceiling, not a loan approval. The lender may offer less based on income, creditworthiness, valuation and its policies.
Rates used20 parameters
Rates are valid as of October 1, 2026.
C enerji sınıfı konut azami kredi oranı, 5 milyon TL dahil
80%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
C enerji sınıfı konut azami kredi oranı, 5-7 milyon TL
70%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
C enerji sınıfı konut azami kredi oranı, 7-10 milyon TL
60%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
C enerji sınıfı konut azami kredi oranı, 10-20 milyon TL
40%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
C enerji sınıfı konut azami kredi oranı, 20 milyon TL üstü
30%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
A-B enerji sınıfı konut azami kredi oranı, 5 milyon TL dahil
90%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
A-B enerji sınıfı konut azami kredi oranı, 5-7 milyon TL
80%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
A-B enerji sınıfı konut azami kredi oranı, 7-10 milyon TL
70%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
A-B enerji sınıfı konut azami kredi oranı, 10-20 milyon TL
50%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
A-B enerji sınıfı konut azami kredi oranı, 20 milyon TL üstü
40%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Diğer enerji sınıfı konut azami kredi oranı, 5 milyon TL dahil
70%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Diğer enerji sınıfı konut azami kredi oranı, 5-7 milyon TL
60%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Diğer enerji sınıfı konut azami kredi oranı, 7-10 milyon TL
50%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Diğer enerji sınıfı konut azami kredi oranı, 10-20 milyon TL
30%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Diğer enerji sınıfı konut azami kredi oranı, 20 milyon TL üstü
20%- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Konut kredi/değer bandı üst sınırı 1
TRY 5,000,000- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Konut kredi/değer bandı üst sınırı 2
TRY 7,000,000- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Konut kredi/değer bandı üst sınırı 3
TRY 10,000,000- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Konut kredi/değer bandı üst sınırı 4
TRY 20,000,000- Effective from
- January 29, 2026
- Last reviewed
- October 1, 2026
Mevcut hane konutu varsa kredi oranı çarpanı
25%- Effective from
- August 24, 2023
- Source
- BDDK 24.08.2023 tarihli 10656 sayılı Kurul Kararı; BDDK 29.01.2026 tarihli 11364 sayılı Kurul Kararı
- Last reviewed
- October 1, 2026
No. It is the maximum under the BDDK loan-to-value ratio; lenders may approve less.
- Araçlar
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