Alanya Real Estate
Construction & Investment

Lån i tyrkisk bank

Boliglån i tyrkisk bank   

Memoshome er i samarbeid med de tyrkiske banker glad for å kunne fortelle at det nå er mulig for utenlandske statsborgere som ønsker å kjøpe bolig i Tyrkia å ta opp lån i tyrkiske banker.

Man har mulighet å låne intill 50 % av boligens verdi i opptil 15 år. Da lånerentene for boliglån i Tyrkia er relativt høye anbefaler vi deg i første omgang at du undersøker mulighetene for å ta opp lån i norsk bank.

Husk at norske banker normalt ikke aksepterer din tyrkiske bolig som sikkerhet. 

Alminnelige villkår og betingelser for boliglån for personer med utenlandsk statsborgerskap i Tyrkia.
1 - Maximum lånebeløp i % - inntil 50 % av verdien på boligen
2 - Boligtype Eksisterende bolig
3 - Månedlige betalinger Max 50%  av låntakers inntekt
4 - Maximum lånebeløp Ingen grense
5 - Minimum lånebeløp 25.000 Euro
6 - Lengde på nedbetalning Fra 12 til 180 måneder (15 år)
7 - Valuta Euro, US dollar, Britiske pund, Tyrkiske lira
8 - Renteype Fastrente
9 - Innløsing av lånet før tiden Med 2% straffgebyr 
10 - Vurdering Vil bli utført av en ekspert som banken leier inn. Kostnaden er ca 150 Euro og betales av låntaker. 
11 - Låntakers alder 25-70 år. Er låntaker 60 år gammel er nedbetalingstiden max 10 år, og for en låntaker som er 65 år gammel är grensen satt til 5 år.
12 - Lengde på nedbetalning Max 15 år
13 - Forsikring Obligatorisk DASK — jordskjelvsforsikring, hjemforsikring , låntakers livsforsikring
14 - Livsforsikring Obligatorisk
15 - Engangskostnad for behandling av søknad 2% + ekstra kostnader for vurdering av boligen samt alle nødvendige forsikringer - betales av låntaker
16 - Betenkelsestid 4 måneder, med mulighet for forlengelse intill 18 måneder, mot en tilleggskostnad på 1%

Notes: Obtaining a loan is possible only for foreign citizens-individuals! Getting a loan in the name of a company for foreign nationals who established this company in Turkey, or foreign citizens who have a company in another country of the world under these conditions is not possible! 
 
 
Interest rates for direct mortgage lending:
Months
12 24 36 48 60 72 84 96 108 120
EUR 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65%
USD 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65% 0,65%
GBP 0,70% 0,70% 0,70% 0,70% 0,70% 0,70% 0,70% 0,70% 0,70% 0,70%
RUB 1,0% 1,0% 1,0% 1,0% 1,0%          
TL 1,09% 1,09% 1,09% 1,09% 1,09% 1,09% 1,09% 1,09% 1,09% 1,09%
 
 
Interest rates for loans secured by already existing real estate in Turkey:
Months 12 24 36 48 60 72 84 96 108 120
EUR 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80%
USD 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80% 0,80%
GBP 0,90% 0,90% 0,90% 0,90% 0,90% 0,90% 0,90% 0,90% 0,90% 0,90&
TL 1,05% 1,05% 1,05% 1,05% 1,05% 1,05% 1,05% 1,05% 1,05% 1,05%
 
When you are processing a loan for purchasing a commercial property — a shop, a shopping center, industrial facilities, etc., there appears an additional KKDF tax with a floating rate, which is calculated individually depending on the amount of the loan and its terms. 
 

 

Nødvendige dokumenter for søknad om boliglån For employed persons
For those who own their own business
For pensioners
1 - The tax return for the last year, issued in the Borrower’s country. Form NDFL-2 * * *
2 - The photocopy of Tapu and Technical Passport of the property being bought * * *
3 - A certified by the bank or notarized photocopy of the foreign passport. * * *
4 - Information letter on salary issued by the director/employer. *    
5 - A notarized signature of the director/employer. The document must necessarily be notarized and apostilled. *    
6 - Statements on the Borrower’s bank accounts cash flow (for the last 6 months). *   *
7 - Data on the activities of the company for the last 2 years, provided in conjunction with a list of the co-owners of the company.   *  
8 - A document showing the Borrower’s monthly expenses (payment of apartment rent, payments on loans, expenses for food, etc.) * * *
9 - Documents confirming the Borrower’s title to property (real estate, vehicles, stocks, bonds) * * *
10 - A document evidencing that the Borrower has no loan or other debts to a bank or any other structure. * * *
11 - A signed by the Borrower application for the mortgage loan. * * *
12 - Tax number received in Turkey. * * *
13 - Turkish residence permit.      

 

Loan obtaining procedure:
Once the specialists of our company, together with you, have prepared all the necessary documents and translated them into Turkish, they will be delivered to the Bank for examination. 
 
The Bank will invite an expert real estate appraiser, analyze the documents and issue a preliminary loan approval, which indicates: loan amount, its term, interest rate and other conditions. 
 
Standard bank offer period — 4 months. At this stage the Borrower must pay for the expert company services in the amount of approximately 150 euros. 
 
After that starts the procedure of (Tapu) Certificate of Title registering on the real estate Buyer. At the time of Tapu transfer to the new Owner, the bank imposes the mortgage encumbrance on it. 
 
To make possible Tapu transfer to the Borrower and, respectively, loan obtaining, all the permits from the Office of Cadastre in Ankara (it is not required for Russian citizens) and the Military Department in Izmir (it usually takes from 2 to 4 months) must be obtained. 
 
Once the Buyer has received the certificate of title, the loan will be paid to the real estate owner by the Bank by a direct transfer into his/her account. 
 
At the time when the loan is paid the Borrower must pay the additional expenses of the Bank at the rate of 2% of the loan amount + the cost of the various types of insurance.

Kontaktskjema

Trykk koden

Kontakt oss nå via WhatsApp! Kontakt oss nå via WhatsApp!
Kontakt oss nå via WhatsApp!