Mortgage Interest Rates Have Been Reshaped: Is It Harder to Own a Home Now? Changes in home loan interest rates are being closely monitored for millions of people who dream of owning a home. with the year 2025, banks' home loan interest policies have been reshaped due to high inflation and global economic developments. The current rates announced as of May 8, 2025 require serious calculations for those who want to buy a house. Especially in metropolitan cities, the fact that housing prices have reached exorbitant levels also increases the monthly installment burden of those who want to own a home using a loan. Interest Rates Have Flown, Installments have Doubled 120 months (10 years) Term 2 million TL TL TL ranged from 115 thousand 50 thousand monthly payments for a mortgage loan now. Şekerbank %5,89 at such a high interest rate to repay a total of £ 14 million exceeds the optimal bank interest rate %and 6.5 million as reimbursement emerges as 2,59. Public Banks Stand Out Public banks such as Ziraat Bank, Vakıfbank and Halkbank continue to be the first choice of narrow and middle-income citizens by offering more favorable interest rates than private banks. Halkbank stands out as one of the most suitable loan options with its 2.59% interest rate and monthly installment option of 54.325 TL. Example Comparison of TL 2 Million Loan with a Term of 120 Months: Halkbank: 2.59% interest, 54.325 TL installment, total pay: 6.550.673 TL Ziraat Bank: 3.09% interest, 63.445 TL installment, total pay: 7.637.215 TL Denizbank: 3.81% interest, 77.067 TL installment, total pay: 9.271.776 TL Şekerbank: 5.89% interest, TL 117.922 installment, total pay: TL 14.173.028