The Hesapstan loan file fee calculator is designed to calculate the file fee you will pay, based on your loan amount and your bank's current file fee rate (and an optional cap amount if one applies).
How is the file fee calculated?
The file fee is calculated by applying a rate to the loan amount: File Fee = Loan Amount × (Rate / 100). Turkish banking regulations (BDDK) may set a cap depending on loan type; this tool lets you enter an optional cap value, and shows the cap being applied if the calculated fee would exceed it.
Where do I find the rate and cap?
The file fee rate varies by bank and loan type, and is also subject to a current cap set by BDDK. This tool does not contain a current or official rate/cap; you must obtain these values from your bank's offer document or the current BDDK regulation.
What does this tool not calculate?
- It does not contain or assume the current official file fee cap; you enter the cap yourself.
- It does not account for appraisal fees, life insurance, or other loan-related costs; it calculates only the file fee.
- It does not calculate additional tax items such as KKDF or BSMV.
Frequently Asked Questions
How is the loan file fee calculated?
The loan amount is multiplied by the rate applied by the bank: File Fee = Loan Amount × (Rate / 100).
Why do I fill in the cap field?
BDDK may set a cap on the file fee for certain loan types. If you enter a cap, the tool shows the cap amount when the calculated fee would exceed it.
Does this tool know the current BDDK cap?
No. The cap value varies by loan type and is updated over time; this tool calculates only using the cap you enter.