The strict monetary policy message from the Central Bank has influenced credit interest rates. Despite increased expectations in recent times, the decline in housing loan interest rates remained limited. The decline in interest rates, closely monitored by those dreaming of buying a house, slowed down. Central Bank President Fatih Karahan’s statement that “we are not on autopilot” regarding interest rate cuts has dampened activity in loans. The Central Bank’s tight monetary policy message has restricted expectations of rate cuts in housing loans in the short term. Following the interest rate cut by the Central Bank in January, a public participation bank had reduced its housing loan interest/profit sharing ratio to 2.74. The lowest rate on housing loans is still seen at 2.74%. In other banks, interest rates range from 2.85% to 3.5%. With a 2.74% interest rate over 120 months, the repayment of 1 million lira amounts to 28,512 lira monthly, resulting in a total repayment of 3,422,705 lira.