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It is a consumer loan granted on the condition that the house is secured.

Mortgage is a tax-advantaged form of financing for individuals to purchase a dwelling that they will use as a residence by placing a mortgage on the house.

In the mortgage system, variable rates can be applied in addition to the fixed interest rate applied to home loans. In addition, in case of any disruption in payments, the customer has the right to compensate for this disruption for one year, while in the mortgage system, the payments made up to that point are repaid to the customer by the bank and the bank has the right to put the house up for sale.

Banks have their own special conditions. However, in general, institutions evaluate applications based on the applicant's credit rating, financial history, monthly net income and the characteristics of the relevant real estate.

Today, you can apply for a home loan online as well as by visiting a bank branch. You can get more detailed information on these issues by visiting the banks' websites. You can visit the nearest bank branch with a document showing your monthly income, your ID card and the title deed of the condominium or condominium easement of the house to be purchased and get detailed information on the subject and fill out an application form if you wish. Applications are answered by the relevant institutions within a very short period of time.

The payment table agreed upon between the customer and the bank at the time of use, which includes the term, interest rate, installment amount to be paid, taxes and funds.

Duration of repayments.

The amount you can receive may vary from bank to bank, depending on the applicant and the relevant immovable property.

Throughout Turkey, banks can extend housing loans to consumers with a minimum maturity of 3 months and a maximum maturity of 300 months.

Housing loans to be obtained by real persons for houses to be used for residential purposes are exempt from KKDF (Resource Utilization Support Fund) and BSMV (Banking and Insurance Transactions Tax).

Refinancing is the process of closing an existing debt with another loan on more advantageous terms in order to change the main criteria such as maturity and interest rate. If you wish, you can immediately find out whether it is advantageous to restructure your existing debt with the Refinancing Calculation tool.