Türkiye Loan Early Repayment Calculator: API and MCP

Türkiye Loan Early Repayment Calculator over REST and MCP: input fields, limits, outputs, one example request and its real answer. Free, no sign-up.

Id: finance.early-repayment.tr
Version: 1.0.0
Access: Free
Tool page: Türkiye Loan Early Repayment Calculator
Schema: GET /api/v1/tools/finance.early-repayment.tr

Input

Field	Type	Constraints	Default	Description
`principal` (required)	number	> 0, ≤ 10,000,000,000		Loan amount (TRY)
`rate` (required)	number	≥ 0, ≤ 100		Interest rate (%) · The contractual rate of the bank, without KKDF and BSMV.
`rateUnit`	string	monthly \| yearly	monthly	Rate period
`months` (required)	integer	≥ 1, ≤ 480		Term (months)
`kkdf`	number	≥ 0, ≤ 100	15	KKDF rate (%) · 15% on consumer and vehicle loans. Usually 0 on housing loans.
`bsmv`	number	≥ 0, ≤ 100	15	BSMV rate (%) · 15% on consumer and vehicle loans. 0 on housing loans of buyers who own no other registered house.
`paidInstallments` (required)	integer	≥ 0, ≤ 479		Installments paid · Include the installment paid on the payoff day.
`feeRule`	string	none \| housingFixed	none	Early repayment fee

Output

Field	Type	Description
`payoff`	number	Payoff amount (TRY)
`remainingPrincipal`	number	Remaining principal (TRY)
`fee`	number	Early repayment fee (TRY)
`feeRate`	number	Fee rate (%)
`remainingPayments`	number	Sum of the remaining installments (TRY)
`interestSaved`	number	Interest and tax saved (TRY)
`remainingMonths`	number	Installments left (months)
`installment`	number	Monthly installment (TRY)

Example request

{
  "input": {
    "principal": 100000,
    "rate": 3,
    "rateUnit": "monthly",
    "months": 24,
    "kkdf": 15,
    "bsmv": 15,
    "paidInstallments": 12,
    "feeRule": "none"
  },
  "locale": "en"
}

Example answer

{
  "output": {
    "payoff": 61280.14,
    "remainingPrincipal": 61280.14,
    "fee": 0,
    "feeRate": 0,
    "remainingPayments": 77900.46,
    "interestSaved": 16620.32,
    "remainingMonths": 12,
    "installment": 6491.71
  },
  "steps": [
    {
      "id": "grossRate",
      "formula": "i = r × (1 + KKDF + BSMV)",
      "substitution": "i = 3% × (1 + 15% + 15%)",
      "value": 3.8999999999999995,
      "unit": "%"
    },
    {
      "id": "installment",
      "formula": "A = P × i / (1 − (1 + i)^(−n))",
      "substitution": "A = 100,000 × 3.9% / (1 − (1 + 3.9%)^(−24))",
      "value": 6491.71
    },
    {
      "id": "remainingPrincipal",
      "formula": "remaining principal = loan amount − principal repaid",
      "substitution": "remaining principal = 100,000 − 38,719.86",
      "value": 61280.14
    },
    {
      "id": "fee",
      "formula": "early repayment fee = min(remaining principal × fee rate; interest discount)",
      "substitution": "early repayment fee = min(61,280.14 × 0%; 16,620.32)",
      "value": 0
    },
    {
      "id": "payoff",
      "formula": "payoff amount = remaining principal + early repayment fee",
      "substitution": "payoff amount = 61,280.14 + 0",
      "value": 61280.14
    },
    {
      "id": "remainingPayments",
      "formula": "remaining installments = sum of the remaining installments",
      "substitution": "remaining installments = 6,491.71 × 11 + 6,491.65",
      "value": 77900.46
    },
    {
      "id": "interestSaved",
      "formula": "saving = remaining installments − payoff amount",
      "substitution": "saving = 77,900.46 − 61,280.14",
      "value": 16620.32
    }
  ],
  "meta": {
    "toolVersion": "1.0.0",
    "locale": "en"
  },
  "citation": {
    "url": "https://hesaplayici.com/en/finance/turkey-loan-early-repayment-calculator",
    "title": "Türkiye Loan Early Repayment Calculator"
  }
}