Skip to nav Skip to main content

Mortgage Finance

Mortgage Finance

​​​​With Türkiye Finans Mortgage Finance, Purchasing a House Has Never Been Easier.

Türkiye Finans Mortgage Finance supports you to purchase a house under attractive conditions.

The real estate you dream, is purchased by Türkiye Finans in the Mortgage Finance system. A profit share is added on it and the sale is performed according to the term you demand.

Tapping into Türkiye Finans Mortgage Finance system, you can choose the best housing finance for you and purchase a house with the most affordable installments for your budget.

Visit the nearest Türkiye Finans branch to apply and get further information about the Housing Finance options.

Türkiye Finans Mortgage Finance Solutions

Mortgage Finance with Incremental Installments

This solution initiates with low installment rates that are to be incrementally increased.

It is ideal for those expecting an income raise in the future.

Mortgage Finance with Decreasing Installments

This housing finance solution decreases the level of payments in coming months.

This is an ideal solution for those who assume a reduction in his income.

Mortgage Finance with Interim Payments

This solution enables the customer to reduce the monthly installment amount through additional regular payments made quarterly, semiannually or annually.

It is an ideal mortgage solution for the people having income increases in specific periods of the year with premium and bonus payments.


Table of Costs for Under 1 Million Mortgage Finance

TermProfit MarginAllocation FeeTotal Monthly CostTotal Annual Cost
12 Months1.69%0.50%1.98%26.54%
24 Months1.69%0.50%1.85%24.56%
36 Months1.69%0.50%1.80%23.87%
​48 Months1.69%0.50%1.78%23.52%
60 Months1.69%0.50%1.76%23.32%
72 Months1.69%0.50%1.75%23.18%
84 Months1.69%0.50%1.75%23.08%
96 Months1.69%0.50%1.74%23.01%
108 Months1.69%0.50%1.74%22.96%
120 Months1.69%0.50%1.73%22.91%

Table of Costs for Under 1 Million Mortgage Finance

TermProfit MarginAllocation FeeTotal Monthly CostTotal Annual Cost
12 Months2.09%0.50%2.38%32.68%
24 Months2.09%0.50%2.25%30.60%
36 Months2.09%0.50%2.20%29.89​%
​48 Months2.09%0.50%2.18%29.53%
60 Months2.09%0.50%2.17%29.31%
72 Months2.09%0.50%2.16%29.17%
84 Months2.09%0.50%2.15%29.08%
96 Months2.09%0.50%2.14%29.00%
108 Months2.09%0.50%2.14%28.95%
120 Months2.09%0.50%2.09​%28.25%

Legal taxes are included in the total commission amount in the housing financing payment table prepared as an example based on TRY 100.000. The profit rates stated in the cost table calculation are applied on the condition that Reserve Account, TCIP, Financing Personal Accident Insurance, Housing Insurance, Automatic Bill Payment Order products are all purchased together with the financing application. The maximum maturity of the financing is 120 months, and the allocation fee is 5 per thousand of the financing amount excluding taxes. Profit rate, allocation fee, appraisal fee and mortgage establishment fee are included in the annual cost. Fees to be charged: TRY 500 allocation fee, TRY 188.80 mortgage establishment fee, TRY 1.092 Appraisal fee. The appraisal fee is calculated based on minimum costs, and it may vary depending on the amount of fees paid to the Official Institutions, the size of the real estate, and its current condition and location. In case the amount paid to the appraisal firm increases depending on the location of the real estate, the appraisal fee to be collected from the customer will also increase. An amount up to 1.5 times the appraisal cost will be blocked in your account. Once the transaction is completed, the actual cost incurred will be charged and the remaining blocked amount in your account will be released. Housing insurance and TCIP premium fees vary according to location and m2, Financing assurance insurance varies according to several criteria such as the customer's gender, age, etc.; and these are not included in the annual cost calculations. The Bank is entitled to freely evaluate the financing applications, to request guarantors and other guarantees and additional documents thereof, to reject the applications that it does not deem appropriate, and to make changes in the pricing. The information on the general fees and charges applied to the financing to be used without having the above-mentioned products are available on our Product and Service Fees page. Please visit our branches for further information.​