A transaction where the Bank purchases the real property required by the customer and then resells it thereto by adding a profit according to the required term.

• Discounted Home Finance

  For those who say "if only I pay a part of my loan profit share at the beginning, using the loan at a lower profit share and taking comfort at installment payments“...

  With Discounted Home Finance, you can reduce the profit share on your loan and thus greatly reduce your monthly installment payments by paying an amount in 1% to 10% of your loan at the beginning.

• Home Finance with increasing installments

  For those who say "If only I start my loan installment payments with low amounts and increase them each year at rates I set on my own".

  If you wish to pay your installments at lower amounts at the beginning and then increase them gradually, Home Finance with increasing installments is the right choice for you!

• Home Finance with decreasing installments

  For those who say, "If only I pay more monthly installments at the beginning and have them reduced in the next period”...

  If you wish to reduce your installment amounts in the next period by paying a higher installment at the start, Mortgage with decreasing installments is the right choice for you!

  With Home Finance with decreasing installments, you can reduce your loan total repayment.

• Flexible Payment Home Finance

  For those who say "If only I reduce my total installment amount by paying more installments at certain months"...

  If you get premium, bonus or extra income at certain periods, Flexible Payment Home Finance is the right choice for you!

  Under Flexible Payment Home Finance, you can make regular extra payments at every 3, 6 or 12 months at your option or lower your monthly installment by adding an interim payment to any month of your choice.

• Deferrable Home Finance

  For those who say, “Moving costs, costs of new house, etc. caused too much expense. If only I can defer my installments for some period”...

  If your costs have increased while buying a new house or moving, Deferrable Home Finance now offers an opportunity to defer your loan installments by up to 3 months!

  With Deferrable Home Finance, you can defer your loan up to 3 months from the start of its term and start your payments in the next period. So you can more easily meet other costs of your house during such deferment period.

• Customized Home Finance

  For those who say “paying installments each month is not for me, I wish to be able to set my installment payment frequency on my own” …

  If you get more income at certain months of the year and if you wish to set your mortgage installments so as to fall in such months only, thereby taking comfort during other months, Customized Home Finance is the right choice for you!

  Pay your installments quarterly, annually, or at another frequency of your choice, and take comfort during other months.

• Expatriate Home Finance

  For those who say, “I am living abroad, but I would like to buy a house in Turkey”...

  Home Finance specially extended to those expatriates who wish to buy a house in Turkey in anticipation of their return to Turkey is available to you with Türkiye Finans guarantee!

• “Win Win” Home Finance

  For those who say “I would like to sell my house which I have bought by using finance from Türkiye Finans " ...

  When you wish to sell your house which you have previously bought by using finance from Türkiye Finans and for which repayments continue, let us provide even the finance for the person who will buy it. This way, both you will be released from penalty on home finance you prepaid and the person who will buy your house will get a discount for profit shares.

Home Loan
TL
Term	Profit Share Rates	Total Annual Costs
2 - 12 Months	%0,87	%10,94
13 - 24 Months	%0,88	%11,56
25 - 36 Months	%0,89	%11,93
37 - 48 Months	%0,90	%12,30
49 - 60 Months	%0,93	%12,66
61 - 72 Months	%1,00	%14,00
73 - 120 Months	%1,10	%15,70

Documents necessary for application:

• Copy of Identity Card,
• Specimen Signature Declaration,
• Tax Sign for the Self-employed,
• Payroll for Wage Earners,
• Condominium Title Deed or
  
  Joint Building Ownership Title Deed and Building Utilization License or
  
  Copies of Joint Building Ownership Title Deed and Construction License
  
  for the House to be purchased