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When performing housing loan calculations, it is important to accurately understand the monthly installment amount, total repayment, appraisal and mortgage fees, and legal tax exemptions. With current mortgage rates offered by banks, you can own your dream home at the most suitable cost.
When performing a housing loan calculation, the principal loan amount, the mortgage interest rate applied by the bank, and the preferred term duration are taken as the basis. In fixed-installment payment schedules (annuities), the amount paid each month includes both principal repayment and net interest charge.
Personal housing loans are exempt from legal taxes:
As a result, the net interest rate announced by the bank for housing loans directly reflects as the gross interest rate in your installments.
The loan amount is determined not by the selling price of the property, but based on the appraisal value assessed by a CMB-licensed valuation expert.
According to BRSA regulations, depending on the energy class and value of the property, a loan between 50% and 90% of the appraisal value can be utilized.
During loan procurement, expenses such as TCIP (DASK), Home Insurance, Life Insurance, Mortgage Establishment Fee, and Appraisal Fee are incurred.