The article examines how different types of bank loans in Turkey affect the economy. They looked at loans for households and businesses, for housing and personal use, and in domestic or foreign currency. The study found that changes in loans have a significant impact on economic activity, especially in the first six months. Household and Turkish Lira business loans have similar effects on consumption and GDP, but business loans have a bigger impact on investment. Foreign currency business loans mainly affect investment, while housing loans also influence investment. This suggests a strong connection between housing demand and construction investment.