	Home Testimonials Car / Vehicle Rental Viewing Trips / Promotion Our Location
Kalkan Property
	Apartments for Sale Deluxe Apartments Villas for Sale Deluxe Villas for Sale Luxury Villas for Sale Club Patara Property Commercial Property Mountain Property Kalkan Land for Sale New Developments Kalkan Rental Properties
Property - Other Resorts
	Kas Property Patara Property Commercial Property
Services
	Our Services Turkish Mortgages Construction & Design
Useful Information
	Property Buying Guide Legal Matters Useful Links Kalkan Photo Gallery Southwest Turkey Map Kalkan Climate Chart Please note: our prices and information are correct as of the last update date shown on the home page (top right) - to the best of our knowledge.
Kalkan neighbours many important Lycian sites (Patara, Xanthos, Letoon, Tlos, Kekova-Simena), for more info visit our Lycia website.

Mortgages

How to get a Mortgage from a bank in Kalkan?

Arrange a meeting with us to discuss the conditions and benefits of available loans.
After your approval we will complete the application form and start the application procedure.
The bank will send a appraiser to you house to value your property. The bank pays max. 65% of the market value appraised.
Within a maximum of 7 working days you will be informed regarding the types of loans that are available for you.
You will be handed the pre term sheet that you can use as a written promise to you.
After presentation of the pre term sheet, you are asked to sign the pre term sheet and pay the commitment fee.
After signing, the mortgage will commence within a period of four months (maximum). The following must be arranged within this period:
- DASK: (Compulsary Earthquake Insurance)
- İskan Ruhsati: (Habitation Permit)
- Ege Ordu Komutanligindan alinacak izin. (Military Clearance)
- Tax number and opening of a deposit account
After collection of all the documents mentioned above, the bank will give its final approval and will make an appointment to pay out the loan and put the mortgage on the title deed at the Tapu office.

Off - Plan Mortgages

Off-plan mortgages may be available, depending on the condition of the property. Please enquire for details.

Foreign Currency Rates	5 years	10 years	15 years	20 years
EURO (PUBLISHED RATE IS 0.65%)	6.96% (0.58%)	6.96% (0.58%)	7.80% (0.65%)	7.80% (0.65%)
DOLLAR (PUBLISHED RATE IS 0,70%)	6.96% (0.58%)	6.96% (0.58%)	7.80% (0.65%)	7.80% (0.65%)
GBP	7.80% (0.65%)	8.40% (0.70%)	8.40% (0.70%)	8.40% (0.70%)
NEW:
YEN	5.40% (0.45%)	5.40% (0.45%)	6.00% (0.50%)	6.00% (0.50%)
CHF	6.60% (0.55%)	6.60% (0.55%)	7.20% (0.60%)	7.80% (0.65%)
Conditions: •Rates are valid for only "loans to foreigners" from 10th June 2008 until further notice; •Rates are valid 4 months after issuing the mortgage loan information form AND after signing the mortgage loan information form within 2 weeks after issuance and after paying the commission to Deniz Bank within 3 weeks; •Extension of the pre-contract term up to 18 months is possible. Extension of the valid date of the rates is not possible

	Employed	Self employed	Retired


Official tax statement of the most recent year in the home country (for example P60)	√	√	√
Copy of the Tapu of the object that will be bought (“Kat mulkiyet tapusu” or “Kat irtifak tapusu + yapi kullanim izin belgesi”)	√	√	√
Copies of passports made and signed by the branch or notary	√	√	√
Income statement of employers signed by the employer	√		√
Official document/declaration from a public notary/cadastre that the person who signed the income statement is allowed to sign	√		√
Bank statements declaring the income (not older than 3 months)	√		√
Annual report of the holding company for the last two years together with a copy from the shareholder register		√
Documents proving monthly financial obligations (rent, house loan installments, alimentation)	√	√	√
Overview of private assets proven by official statements	√	√	√
Overview of private debts proven by official statements	√	√	√
Signed application form	√	√	√

* Official translation of all documents into Turkish is required (we are happy to assist with this).