T10F January 2026 price

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.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

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

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

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