15.12.2025 14:35
The countdown for premium debts has begun. The amounts for maternity and military service debt will increase at the beginning of the year due to the rise in the minimum wage and the increase of the premium rate to 45%. It will be advantageous for those planning to retire to apply by the end of the month.
The regulation concerning employees subject to the Social Insurance Law will come into effect at the beginning of the year. While millions are looking for ways to retire, some individuals are finding that small applications can pave the way for retirement.
CONTRIBUTION RATE RISES TO 45%
According to NTV's report, with the regulation covering employees subject to the Social Insurance Law, the contribution rate for maternity and military service debt has been increased from 32% to 45%. This increase will directly raise the costs of borrowing.
WHO DOES THE BORROWING COVER?
Borrowing allows employees to pay social security contributions for periods when they were not working. These payments made under service borrowing are carried out voluntarily and open the path to retirement for those who meet the conditions.
MINIMUM BORROWING IS 277 LIRA PER DAY
Individuals who will borrow are making payments based on 32% of the gross minimum wage as the lowest amount. This rate can be increased up to 7.5 times. Citizens can borrow any amount they wish, provided it is not below the specified lower limit.
According to the current regulation, the daily minimum borrowing is 277 lira, and the monthly amount is 8,321 lira. The maximum borrowing is at the level of 2,077 lira per day and 62,413 lira per month.
DEADLINE FOR BORROWING WITHOUT INCREASE IS DECEMBER 31
With the contribution rate rising to 45%, when calculated excluding the minimum wage increase, the daily minimum borrowing rises to 390 lira, and the monthly amount to 11,703 lira. The maximum borrowing will be 2,925 lira per day and 87,772 lira per month.
With this increase, the minimum additional cost for one month of borrowing will be 3,382 lira at the lowest and 25,359 lira at the highest. When the minimum wage increase for 2026 is also added, the increase rate is expected to rise to the 20-25% range.
You can retire profitably by making your borrowings before the year 2026. It is of great importance to carry out the borrowing processes, especially for those covered under the "Those Affected by Age in Retirement" category, 15 days before the end of the year.