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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)
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Tax number and opening of a deposit account
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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.
|
MATURITY |
RATES |
|
|
|
|
EURO |
USD |
GBP |
YTL |
| |
| |
|
3 |
0,58% |
0,62% |
0,65% |
1,31% |
|
6 |
0,58% |
0,62% |
0,65% |
1,31% |
|
9 |
0,58% |
0,62% |
0,65% |
1,31% |
|
12 |
0,58% |
0,62% |
0,65% |
1,31% |
|
18 |
0,58% |
0,62% |
0,65% |
1,31% |
|
24 |
0,58% |
0,62% |
0,65% |
1,31% |
|
36 |
0,58% |
0,62% |
0,65% |
1,31% |
|
48 |
0,58% |
0,62% |
0,65% |
1,31% |
|
60 |
0,58% |
0,62% |
0,65% |
1,31% |
|
72 |
0,58% |
0,62% |
0,65% |
1,31% |
|
84 |
0,58% |
0,62% |
0,65% |
1,31% |
|
96 |
0,58% |
0,62% |
0,65% |
1,31% |
|
108 |
0,58% |
0,62% |
0,65% |
1,31% |
|
120 |
0,58% |
0,62% |
0,65% |
1,31% |
|
180 |
0,58% |
0,65% |
0,65% |
1,31% |
|
240 |
0,58% |
0,65% |
0,65% |
1,31% |
|
|
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).
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