Commercial Property Loan Calculator

Instantly calculate the loan amount needed for your property purchase or investment, based on interest rate and term.

Note: This calculation does not include KKDF (15%) or BSMV (5%). KKDF may apply to investment loans. Actual payments may vary between banks.

Warning: This tool is for informational purposes only. Consult your bank before applying for a loan.

What is a Commercial Property Loan? How to Calculate and Application Requirements
Commercial Property Loan: The Right Step to Finance Your Investment

Commercial properties are among the most important assets of a business. A commercial property loan is an effective financial tool to expand your business, make a new investment, or acquire an existing commercial space.

In this guide, you will find answers to:

  • What is a commercial property loan?

  • Investment vs. usage: What’s the difference?

  • Application requirements

  • How to calculate the loan

  • KKDF and BSMV applications

💡 Want to calculate immediately? Use our Commercial Property Loan Calculator at the top of the page to find your monthly payment in seconds!

What is a Commercial Property Loan?

A commercial property loan is a type of real estate loan that banks provide for the purchase or investment of commercial spaces (shops, offices, factories, warehouses, etc.).

With this loan, you can:

  • Purchase an income-generating property for investment purposes

  • Buy a property for your own business use

Investment or Usage? What’s the Difference?

Purpose Applicant Type Currency Options KKDF Tax
Investment Individuals only TL only 15%
Usage Individuals & Companies TL & Foreign Currency (USD, EUR, GBP) Exempt

📌 Note: Loans for usage purposes offer the advantage of foreign currency and exemption from KKDF.

Commercial Property Loan Application Requirements

  • Age Requirement: Must be at least 18 years old.

  • Stable Income: Documented income (business income, salary, rental income).

  • Credit Score: No delays in previous debt payments.

  • Residency: Must reside in Turkey.

  • Property Documents: Commercial registry, business start certificate, tax registration, etc.

⚠️ Note: Corporate applicants may also need a Commercial Registry Certificate, Tax Sheet, and financial statements for the last 2 years.

How to Calculate a Commercial Property Loan?

The loan installment is calculated using the equal installment (annuity) method:

Monthly Payment=K×r×(1+r)n(1+r)n−1\text{Monthly Payment} = K \times \frac{r \times (1+r)^n}{(1+r)^n – 1}

Where:

  • KK = Loan Amount

  • rr = Monthly Interest Rate

  • nn = Term (months)

Banks also apply KKDF (15%) and BSMV (5%) on the interest. These taxes increase the total cost.

Loan Term

  • Minimum term: 12 months

  • Maximum term: 120 months (10 years)

Taxes and Funds

  • BSMV (Banking and Insurance Transactions Tax): 5% on interest

  • KKDF (Resource Utilization Support Fund):

    • Investment loans: 15%

    • Usage loans: Exempt

📌 Exception: KKDF exemption does not apply to commercial property loans for investment purposes.

Conclusion: Plan Your Business Investment Correctly

A commercial property loan is a strong financial tool for both investment and usage purposes. However:

  • Plan loan amount and term according to your repayment capacity

  • Calculate taxes and interest costs

  • Clearly define whether the loan is for investment or usage

🏦 Warning: This calculator is for informational purposes. Always consult your bank for exact figures.