{"id":3031,"date":"2026-07-31T09:09:23","date_gmt":"2026-07-31T06:09:23","guid":{"rendered":"https:\/\/batinyilmaz.av.tr\/?p=3031"},"modified":"2026-09-17T21:52:50","modified_gmt":"2026-09-17T18:52:50","slug":"yasal-faiz-ne-kadar-oldu-12-yargi-paketi","status":"publish","type":"post","link":"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/","title":{"rendered":"What is the Statutory Interest Rate? The Statutory Interest System Has Changed with the 12th Judicial Package (2026 Current Guide)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Ba\u015fl\u0131klar<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yasal_Faiz_Nedir\" >What is Statutory Interest?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#12_Yargi_Paketinden_Once_Yasal_Faiz_Kacti\" >What Was the Statutory Interest Rate Before the 12th Judicial Package?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#12_Yargi_Paketi_ile_Yasal_Faiz_Nasil_Degisti\" >How Did the Statutory Interest Change with the 12th Judicial Package?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yeni_Sistemde_Yasal_Faiz_Nasil_Hesaplanacak\" >How Will Statutory Interest Be Calculated Under the New System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yil_Icerisinde_Faiz_Tekrar_Degisebilir_mi\" >Can the Interest Rate Change Again Within the Year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yeni_Sistemin_En_Buyuk_Avantaji\" >The Greatest Advantage of the New System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Ornek_Hesaplama\" >Sample Calculation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yeni_Duzenleme_Hangi_Davalari_Etkileyecek\" >Which Lawsuits Will the New Regulation Affect?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#1_Alacak_Davalari\" >1. Actions for Debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#2_Icra_Takipleri\" >2. Enforcement Proceedings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#3_Tazminat_Davalari\" >3. Compensation Lawsuits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#4_Is_Davalari\" >4. Labor Lawsuits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#5_Ticari_Davalar\" >5. Commercial Lawsuits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Temerrut_Faizi_de_Degisti_mi\" >Has Default Interest Also Changed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yeni_Duzenleme_Ne_Zaman_Uygulanacak\" >When Will the New Regulation Take Effect?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Sik_Sorulan_Sorular\" >Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Yasal_faiz_artik_yuzde_kac\" >What is the statutory interest rate now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Eski_24_uygulamasi_devam_ediyor_mu\" >Does the former 24% practice continue?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Her_yil_faiz_degisecek_mi\" >Will the interest rate change every year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Davalarda_hangi_faiz_uygulanacak\" >Which interest rate will apply in lawsuits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Icra_takiplerinde_yeni_faiz_uygulanacak_mi\" >Will the new interest rate apply in enforcement proceedings?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/batinyilmaz.av.tr\/en\/yasal-faiz-ne-kadar-oldu-12-yargi-paketi\/#Sonuc\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\"><strong>What is the current statutory interest rate?<\/strong> entering into force in 2026 <strong>12th Judicial Package<\/strong> along with the fixed statutory interest system that has been applied for years has changed significantly. The legal interest rate will no longer remain fixed at a specific percentage; <strong>a dynamic system tied to the Central Bank of the Republic of Turkey (TCMB) rediscount rate<\/strong> will be implemented.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This amendment, in particular;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Enforcement proceedings,<\/li>\n\n\n\n<li>Debt collection lawsuits,<\/li>\n\n\n\n<li>Compensation lawsuits,<\/li>\n\n\n\n<li>Commercial disputes,<\/li>\n\n\n\n<li>Receivables arising from contracts<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">directly concern millions of individuals and thousands of companies.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, following the 12th Judicial Package, <strong>how the statutory interest rate will be determined, the differences between the old and new systems, the lawsuits to which it will apply, and its effects on practice<\/strong> are explained in detail.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yasal_Faiz_Nedir\"><\/span>What is Statutory Interest?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Statutory interest is the interest mandated by law in cases where the parties have not agreed upon any interest rate in the contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In other words;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8220;Interest shall be paid, but if the parties have not determined a rate, this is the interest that will apply.&#8221;<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Numbered 3095 <strong>Law on Statutory Interest and Default Interest<\/strong> contains the primary regulation on this matter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Statutory interest;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>in monetary claims,<\/li>\n\n\n\n<li>in court judgments,<\/li>\n\n\n\n<li>in enforcement proceedings,<\/li>\n\n\n\n<li>in unjust enrichment lawsuits,<\/li>\n\n\n\n<li>in compensation lawsuits,<\/li>\n\n\n\n<li>in negotiorum gestio (unauthorized agency),<\/li>\n\n\n\n<li>is applied in numerous private law disputes.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"12_Yargi_Paketinden_Once_Yasal_Faiz_Kacti\"><\/span>What Was the Statutory Interest Rate Before the 12th Judicial Package?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For many years, the statutory interest rate was applied as a fixed rate in Turkey.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the most recent regulation;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>As of June 1, 2024, the statutory interest rate was applied as 24% annually.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This rate had been determined by a Presidential Decree.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, during periods of high inflation;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the severe loss of value in receivables,<\/li>\n\n\n\n<li>lawsuits taking years to conclude,<\/li>\n\n\n\n<li>and the growth of the creditor's damages<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">have led to intense criticism of the current system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.anayasa.gov.tr\/tr\/anasayfa\/\" target=\"_blank\" rel=\"noopener\">Anayasa Mahkemesi<\/a> has ruled that the application of fixed interest rates may, in certain respects, violate the right to property. Following this, a new regulation was drafted and enacted within the 12th Judicial Package.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"12_Yargi_Paketi_ile_Yasal_Faiz_Nasil_Degisti\"><\/span>How Did the Statutory Interest Change with the 12th Judicial Package?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most important amendment is as follows:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A fixed interest rate will no longer be specified in the law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Statutory interest = 80% of the rediscount rate applied by the CBRT for short-term credit transactions<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">shall be taken as the basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consequently, the interest rate will be able to adjust automatically according to economic conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yeni_Sistemde_Yasal_Faiz_Nasil_Hesaplanacak\"><\/span>How Will Statutory Interest Be Calculated Under the New System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The new system is quite straightforward.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each year;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>the rediscount rate applied by the TCMB on December 31 shall be taken.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of this rate;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>80%<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">shall be the statutory interest rate to be applied in the first six months of the following year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yil_Icerisinde_Faiz_Tekrar_Degisebilir_mi\"><\/span>Can the Interest Rate Change Again Within the Year?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yes.<\/p>\n\n\n\n<ol start=\"12\" class=\"wp-block-list\">\n<li>The Judicial Package has paved the way for this as well.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">If;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the rediscount rate announced on June 30<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">differs from the rediscount rate on December 31 <strong>by 5 points or more,<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the new rate shall be applied in the second half of the year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thus;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>high inflation,<\/li>\n\n\n\n<li>interest rate changes,<\/li>\n\n\n\n<li>economic fluctuations<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">will be reflected more quickly in the statutory interest system.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yeni_Sistemin_En_Buyuk_Avantaji\"><\/span>The Greatest Advantage of the New System<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the former system;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">even if the court proceedings lasted 4 years,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">the interest rate often fell well short of economic realities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a result;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>creditors suffered severe losses,<\/li>\n\n\n\n<li>while debtors were able to benefit from the delay.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Under the new system, however;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">since the interest rate is tied to economic indicators, it is aimed to preserve the purchasing power of the receivable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ornek_Hesaplama\"><\/span>Sample Calculation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The statutory interest calculation will be as follows. Let us assume that the TCMB rediscount rate was 40% on December 31. In this case, the statutory interest;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>40% \u00d7 80% = 3%<\/strong>2<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">will be applied as such.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the rediscount rate changes significantly on June 30, the rate will be recalculated for the second six-month period. This practice helps protect the rights of creditors due to prolonged judicial proceedings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yeni_Duzenleme_Hangi_Davalari_Etkileyecek\"><\/span>Which Lawsuits Will the New Regulation Affect?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The amendment affects not only enforcement proceedings;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">it also impacts many branches of law.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Alacak_Davalari\"><\/span>1. Actions for Debt<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is the type of lawsuit that will be most affected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The interest adjudicated at the end of the court proceedings will now be calculated in accordance with the new system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Icra_Takipleri\"><\/span>2. Enforcement Proceedings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Enforcement without a judgment,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">enforcement of judgments,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">proceedings based on bills of exchange where statutory interest is demanded,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">lawsuits for the cancellation of objections,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">interest calculation to be applied during the processes for the removal of objections will gain significance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Tazminat_Davalari\"><\/span>3. Compensation Lawsuits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pecuniary compensation,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">tort,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">breach of contract,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">defective service,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">defective work,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">defective vehicle,<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">interest rates in lawsuits regarding defective housing may vary significantly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Is_Davalari\"><\/span>4. Labor Lawsuits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The new regulation may have an impact depending on the type of interest to be applied to employment receivables.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Ticari_Davalar\"><\/span>5. Commercial Lawsuits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The new system will apply to commercial disputes where no interest rate is specified in the contract.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Temerrut_Faizi_de_Degisti_mi\"><\/span>Has Default Interest Also Changed?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No.<\/p>\n\n\n\n<ol start=\"12\" class=\"wp-block-list\">\n<li>The Judicial Package primarily <strong>statutory interest<\/strong> regulation has been amended.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Special provisions regarding default interest and regulations concerning commercial default interest will continue to be evaluated separately. Which type of interest shall apply in the specific dispute is determined based on the nature of the receivable and the relevant special legislation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yeni_Duzenleme_Ne_Zaman_Uygulanacak\"><\/span>When Will the New Regulation Take Effect?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"12\" class=\"wp-block-list\">\n<li>The Judicial Package has been adopted by the TBMM General Assembly and enacted into law. The new system regarding the calculation of statutory interest shall serve as the basis for practices following the effective date. The characteristics of the specific case must be evaluated separately in terms of transitional provisions and which disputes they will apply to.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sik_Sorulan_Sorular\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yasal_faiz_artik_yuzde_kac\"><\/span>What is the statutory interest rate now?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There is no longer a single, fixed rate. Statutory interest shall be calculated based on 80% of the CBRT&#8217;s rediscount rate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Eski_24_uygulamasi_devam_ediyor_mu\"><\/span>Does the former 24% practice continue?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. With the 12th Judicial Package, the fixed rate system has been abolished, and a dynamic calculation system has been adopted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Her_yil_faiz_degisecek_mi\"><\/span>Will the interest rate change every year?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Depending on changes in the rediscount rate, it may be updated annually and, where necessary, in the second half of the year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Davalarda_hangi_faiz_uygulanacak\"><\/span>Which interest rate will apply in lawsuits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Depending on the nature of the dispute, statutory interest, default interest, or commercial default interest may apply. Each file must be evaluated within the framework of its own legal characteristics.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Icra_takiplerinde_yeni_faiz_uygulanacak_mi\"><\/span>Will the new interest rate apply in enforcement proceedings?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It shall apply in accordance with the enforcement provisions of the law and the nature of the receivable subject to the proceeding. The calculation method is particularly important for newly initiated proceedings.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sonuc\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol start=\"12\" class=\"wp-block-list\">\n<li>The amendment introduced by the Judicial Package is one of the most significant interest rate regulations of recent years. With the transition from the fixed 24% application to a dynamic system indexed to the CBRT rediscount rate, the statutory interest rate will adapt more quickly to economic conditions. This change will have significant implications, particularly in terms of preserving the value of receivables in prolonged lawsuits and execution proceedings. However, the specific type of interest to be applied and the effect of transitional provisions on the concrete case must be evaluated separately for each file.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Atty. Bat\u0131n YILMAZ &#8211; Attorney at Law, Istanbul Bar Association<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Yasal faiz ne kadar oldu? 2026 y\u0131l\u0131nda y\u00fcr\u00fcrl\u00fc\u011fe giren 12. Yarg\u0131 Paketi ile birlikte y\u0131llard\u0131r uygulanan sabit yasal faiz sistemi \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fi\u015fti. Art\u0131k kanuni faiz oran\u0131, belirli bir y\u00fczde olarak sabit kalmayacak; T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) reeskont oran\u0131na ba\u011fl\u0131 dinamik bir sistem uygulanacak. Bu de\u011fi\u015fiklik \u00f6zellikle; bak\u0131m\u0131ndan milyonlarca ki\u015fiyi ve binlerce \u015firketi do\u011frudan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[446],"tags":[],"class_list":["post-3031","post","type-post","status-publish","format-standard","hentry","category-icra-ve-iflas-hukuku"],"_links":{"self":[{"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/posts\/3031","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/comments?post=3031"}],"version-history":[{"count":2,"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/posts\/3031\/revisions"}],"predecessor-version":[{"id":3219,"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/posts\/3031\/revisions\/3219"}],"wp:attachment":[{"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/media?parent=3031"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/categories?post=3031"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/batinyilmaz.av.tr\/en\/wp-json\/wp\/v2\/tags?post=3031"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}