Attention to those who will take out a loan: Rates are changing.

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The Central Bank of the Republic of Turkey (CBRT) is expected to announce its interest rate decision on January 23; significant changes may occur in housing, vehicle, and personal loans. A potential interest rate cut, which could be a major turning point, may affect loan interest rates and turn the dreams of those in need of homes, cars, and cash into reality.

MARKETS EXPECT INTEREST RATE CUT

Markets anticipate a 250 basis point interest rate cut by the Central Bank. If these expectations materialize, citizens may access more favorable loan opportunities with lower interest rates.

EXPECTATIONS FOR INTEREST RATE CUT IN HOUSING LOANS

Currently, the lowest interest rate for housing loans is around 2.79%. Following a potential interest rate cut by the Central Bank, it is highly likely that these rates will fall below 2.5%.

VEHICLE LOANS TO BE AFFECTED MORE SLOWLY

It is expected that vehicle loans will be affected more slowly by the potential interest rate cut compared to housing loans. The rate of decrease in interest rates for vehicle loans will vary depending on the exchange rate, inflation, and economic conditions.

HIGH INTEREST RATES IN PERSONAL LOANS

Due to high interest rates, personal loans are far from being an attractive option for citizens. However, if an interest rate cut occurs, citizens will be able to access urgent cash with more favorable interest rates.

CENTRAL BANK'S INTEREST RATE MEETINGS

The Central Bank will hold a total of 8 interest rate meetings in 2025. Analysts predict that there will be fewer meetings, leading to larger interest rate cuts, and they believe this will positively reflect on loan interest rates.