In short
Early repayment of a consumer loan is the closing of the remaining debt before it falls due, and the question of what it changes is built from the closing statement. What changes is that the credit cost which has not yet accrued is rewritten on that statement. This record gives no interest rate, no discount rate, and no day count. If there is an early-repayment deduction, that line is read from the contract and the statute, and it is not frozen here. A photocopy of the old instalment plan does not take the place of the closing.
What the closing statement changes
On early repayment, the calendar of future instalments in the contract does not run as it stood. The bank issues a closing statement. That statement should show the remaining principal, with the cost that has not yet arisen deducted. Closing the old payment plan with a photocopy is not the calculation of early repayment. The consumer places the closing statement side by side with the contract and the account statement. The deduction line that appears on the statement is read from the frame the statute ties to early repayment, and from the contract. The rate of the line is not written in this record. A multiplication built at home does not take the place of the statement.
Neighbouring rights are not a shortening of the statement
The route to the arbitration panel stands under the consumer arbitration panel, the general clause in the contract under an unfair term, a defective service under a defective service, and withdrawal under the right of withdrawal. Withdrawal is not a copy of early repayment, and the withdrawal day is not written here. The heading of an unfair term is the frame of the general clauses in the contract. This record does not open the whole of that frame. It looks only at whether the early-repayment line changes the remaining cost.
How the closing statement is read
The contract, the account statement, and the closing statement are read together. Counsel in Ankara separates from this document that the office being in Çankaya does not change the competent authority. Interest, a discount rate, and a day count are not under this heading either, because the line is read from the contract and the statute, and a rate that is not written is not added to the statement.
There is no rate and no formula in this record
Early repayment stands in the statute as a right. The amount of the right is not the same figure in every contract. This text does not put in a rate or an example of a multiplication. The reader checks the line on their own statement against their own contract. Deferral of an instalment, or a restructuring, is not a copy of early repayment. The petition does not merge deferral and early closing on the same line. The decision does not produce an interest rate before the closing statement stands. Which statement stands in the annex to the application is chosen before the draft of the decision, and a missing annex is not treated as completed with a percentage remembered later.
The deduction line comes out of the contract
If there is a deduction, the name and the basis of the line are looked for in the contract and the statute. Without the line, a discount rate is not invented. An invoice or a receipt can show that the payment was made, but it is not put in place of the closing statement. The account statement carries the old instalment calendar. That calendar does not by itself write the cost after early closing. If the two papers conflict, the conflicting line is written without being hidden. Service shows on which date the bank gave the statement to the consumer, and a number of days is not frozen in this record. The petition is not treated as having added to the statement a discount rate that is not in the contract.
The consumer puts the old payment plan, the account statement, and the closing statement on the same table. The old plan writes the future instalments. The closing statement should show the remaining principal, with the cost that has not yet arisen deducted. The two are not the same paper. A photocopied plan cannot be presented as the calculation of early repayment. If there is a deduction line, its name is looked for in the contract and the statute. Without the line, a discount rate is not invented. An interest rate and a day count are not produced here either. A multiplication built at home does not take the place of the statement.
Deferral or restructuring is not closing the debt before it falls due. The two can stand in the same petition. They are not written as the same act. The withdrawal day is not carried into this record. A receipt can show that the payment was made. It is not put in place of the closing line. Which statement stands in the annex to the application is chosen. A missing annex is not treated as completed with a rate remembered later. A decision is not built before the contract and the statement stand side by side. The address of the office changes neither the deduction line nor the competent authority.
Conclusion
Early repayment causes the remaining credit cost to be read again on the closing statement. An interest rate, a discount rate, and a day count are not in this record. The deduction comes out of the contract and the statute. It is not fixed here. The frame stands on the consumer law page, and the basis is the Consumer Protection Law No. 6502.