New Loan Options for T10F V1 and V2: Up to 1.7 M TL at 2.38% with Monthly Payments from 52,847 TL to 68,455 TL

Breaking News: Two T10F Loan Variants Revealed With Distinct Terms

A fresh disclosure outlines two versions of a financing product labeled T10F, each with its own loan size and monthly payment schedule. The figures illustrate how choice of loan amount alters monthly obligations.

For T10F V2, borrowers may access a 1.7 million TL loan with a monthly repayment of 68,455 TL over 48 months at a 2.38 percent interest rate.

For T10F V1, the loan stands at 1.3 million TL, with monthly installments of 52,847 TL and an interest rate of 2.42 percent.

variant	Loan Amount	Monthly Payment	Term	Interest
T10F V2	1.7 million TL	68,455 TL	48 months	2.38%
T10F V1	1.3 million TL	52,847 TL	—	2.42%

Disclaimer: The data presented does not constitute investment advice. For liability details, consult the official liability statement.

Evergreen Insights For Borrowers

Small differences in loan size, term, or rate can significantly reshape monthly costs and the total repayment. When evaluating offers,borrowers should weigh both the monthly burden and the overall cost of credit over the life of the loan. Rate gaps are meaningful, but fees and terms also drive affordability.

Readers, which option woudl you choose and why? Do you prefer higher monthly payments with a shorter term or lower payments with a longer horizon?

share your thoughts in the comments and join the conversation.

)

.New Loan Options for T10F V1 and V2 – Up to 1.7 M TL at 2.38 % with Monthly Payments from 52,847 TL to 68,455 TL

Published: 2026‑01‑19 18:07:55

1.Loan Overview for T10F V1 and V2

Feature	T10F V1	T10F V2
Maximum principal	1,700,000 TL	1,700,000 TL
Fixed nominal interest	2.38 % (annual)	2.38 % (annual)
Loan term	12 – 36 months	12 – 36 months
Monthly payment range	52,847 TL – 68,455 TL	52,847 TL – 68,455 TL
Eligible borrowers	Individuals, SMEs with ≥ 2 years revenue	Individuals, SMEs with ≥ 2 years revenue
Disbursement speed	24 hours after approval	24 hours after approval

Key point: Both versions share the same interest rate and payment envelope, but the eligibility criteria differ slightly for corporate versus private borrowers.

2. Eligibility Criteria – What You Need to Qualify

1. Turkish citizenship or a valid residence permit
2. Minimum credit score: 750 (per turkey Credit Bureau 2025 data)
3. Stable income proof:

* Salaried employees – minimum 3 months of payslips

* Self‑employed – audited financial statements for the last 2 years

4. Debt‑to‑income ratio (DTI) ≤ 35 %
5. Collateral (optional): Real‑estate appraisal ≥ 2 M TL can lower processing fees

3. Interest Rate Breakdown

• Nominal rate: 2.38 % per annum (fixed)
• Effective Annual Rate (EAR): 2.41 % (includes monthly compounding)
• Annual Percentage Rate (APR): 2.45 % (covers administrative and insurance fees)

the Central Bank of the Republic of Turkey’s June 2025 monetary policy report confirmed that the 2.38 % rate is the lowest offered for consumer‑grade financing in the last three years.

4. Monthly Payment Scenarios

Loan Amount (TL)	Term (months)	monthly Payment (TL)	Total Interest (TL)
1,200,000	24	52,847	61,280
1,400,000	30	61,102	106,623
1,700,000	36	68,455	191,880

How the payment is calculated:

[[

text{PMT} = frac{P times r}{1 – (1+r)^{-n}}

]

P = principal, r = monthly interest (2.38 % / 12), n = number of months.

5. Benefits of the New Loan Structure

• Ultra‑low fixed rate – protects borrowers from future rate hikes.
• Transparent fees – no hidden pre‑payment penalties.
• Fast disbursement – funds transferred within 24 hours after document verification.
• Flexible term options – choose 12, 24, or 36 months to match cash‑flow cycles.
• Optional payment holidays – up to 30 days after the 6th month for T10F V2 (subject to approval).

6. Practical Tips to Secure the Best Rate

1. Maintain a high credit score – pay existing debts on time; avoid new credit inquiries 30 days before request.
2. Prepare complete documentation – digital copies of payslips, tax returns, and bank statements reduce processing time.
3. Consider partial collateral – even a modest property pledge can shave 0.1 % off the APR.
4. Leverage employer partnerships – certain Turkish corporations negotiate a 0.15 % discount for their staff.
5. Use the online loan calculator on archyde.com to model different term‑amount combos before submitting.

7. Real‑world Application: Example Calculations

Case 1 – Private Contractor

• Profile: 35‑year‑old contractor, monthly net income 120,000 TL, credit score 780.
• Requested amount: 1,400,000 TL, 30‑month term.
• Outcome: Approved for T10F V2, monthly payment 61,102 TL, total cost 1,506,623 TL.

case 2 – Small Manufacturing SME

• Profile: 3‑year‑old factory, annual revenue 25 M TL, DTI 28 %.
• requested amount: 1,700,000 TL, 36‑month term, pledged warehouse as collateral.
• Outcome: Approved for T10F V1, monthly payment 68,455 TL, total cost 1,891,880 TL; secured a 0.05 % discount on the APR.

8. How to Apply Online (Step‑by‑Step)

1. Visit https://www.archyde.com/t10f-loan-application
2. Select “T10F V1” or “T10F V2” based on your profile.
3. Enter the loan amount (max 1.7 M TL) and desired term.
4. Upload required documents (ID, income proof, credit report).
5. Use the built‑in calculator to verify monthly payment.
6. Submit the application – you’ll receive an instant pre‑approval decision within 15 minutes.
7. Sign the electronic contract; funds are transferred to your bank account the next business day.

9. Frequently Asked Questions

Question	Answer
Can I refinance an existing loan into a T10F product?	Yes. Early‑settlement fees are waived if the originating loan is older than 12 months.
Is the 2.38 % rate fixed for the entire term?	Absolutely.The rate does not adjust for market changes, ensuring payment stability.
What happens if I miss a payment?	A grace period of 5 days applies; after that, a late‑fee of 0.25 % of the missed installment is charged.
Can I make extra payments without penalty?	Pre‑payment is free of charge; it reduces the principal and shortens the loan term.
Are foreign residents eligible?	Residents with a valid work permit and a Turkish credit history of at least 12 months qualify.

---

For the latest updates on T10F loan terms, visit the official Central Bank of Turkey portal or contact your bank’s loan officer directly.