Experts warn: Those waiting for January to apply will lose thousands of liras

A critical warning has been issued for citizens planning their retirement. Experts state that debt payment applications will see a significant price hike starting January 1, and they advise citizens to apply via e-Devlet by December 31. This will make it possible to benefit from the current rates.

As is the case every year, it is noted that debt payment amounts will rise alongside the increase in the minimum wage. Experts state that inflation is expected to be around 30 percent, and this situation will also increase debt payment amounts. In particular, the increase in the debt payment rate from 32% to 45% with the new omnibus law, combined with the automatic rise in premiums due to the minimum wage increase, will significantly raise debt payment costs.

Large differences will emerge, especially in military service, maternity, and international debt payments. It is stated that while a person currently making an 18-month military service debt payment pays 149,791 TL, this amount could rise to as much as 270,000 TL in the new year. Similarly, the amount a tradesman pays for 1 year of Bağ-Kur revival debt payment could rise from 108 thousand TL to 180 thousand TL.

Experts emphasize that citizens should not panic, but that the application date is decisive. Reminding that applications made via e-Devlet are free of charge, experts state that it is possible to lock in today's rates by applying. Payment can be made within a few months after the application, and no fee is charged for the application itself.

December 31, 2025, stands out as the final application date. Experts state that waiting for January could lead to serious cost increases and that transactions should be completed before December ends. Those who apply early can save thousands of liras without being affected by the price increases in the new year.