The loan file fee calculator provided by Hesapstan calculates the credit allocation fee for consumer and housing-finance loans extended to financial consumers.
How is the credit allocation fee calculated?
Under Article 10 of TCMB Communiqué 2020/7, the credit allocation fee cannot exceed five per thousand (0.5%) of the disbursed loan principal. The official-ceiling mode calculates loan amount × 0.5%. If your bank offers a lower rate, you can enter it in bank-offer mode; the calculator rejects rates above 0.5%.
What is within the communiqué’s scope?
This ceiling applies to the credit allocation fee for consumer and housing-finance loans extended to financial consumers. Separate charges cannot be collected under names such as intelligence, loan transaction slip or payment-plan amendment fees. Commercial and business loans are outside this calculator’s scope.
What does this calculator exclude?
- Third-party appraisal and mortgage-establishment charges.
- Insurance premiums, taxes, interest and the total cost of credit.
- The separate fee regime applicable to commercial loans.
Frequently Asked Questions
What is the statutory ceiling for the loan file fee?
For consumer and housing-finance loans extended to financial consumers, the credit allocation fee cannot exceed five per thousand (0.5%) of the disbursed principal.
What if the bank offers less than 0.5%?
Choose the bank-offer option and enter the rate in your offer document. The calculator rejects any rate above the statutory ceiling.
Are appraisal and mortgage charges included?
No. Third-party appraisal and mortgage-establishment charges follow separate rules in the communiqué; this calculator covers only the credit allocation fee.