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Real-Estate Certificate Finance

Real-Estate Certificate Finance (GSF) is a participation-compliant product enabling individual and corporate customers to invest in real-estate certificates issued by the CMB and traded on Borsa İstanbul — investing interest-free and transparently while becoming a direct stakeholder in the project.

The Importance of Real Estate Certificates as an Investment Vehicle

As real estate projects progress, investors can earn returns on their certificates in the secondary market and, upon reaching a certain shareholding threshold, gain the right to acquire the property.

Since the product offers the opportunity to invest with small amounts, it provides an accessible, sustainable, and diversified alternative, particularly for young investors, savers, and individuals making their first real estate investment. With this participation-based financing solution, our bank aims to diversify real estate investments to reach a broader customer base, while increasing the variety and market share of interest-free financial instruments in the sector.

Features

  • Both individual and corporate customers can utilize Real Estate Certificate Financing.
  • Throughout the financing term, the real estate certificates will be held as collateral, and a MKK freeze will be placed to prevent the sale of the certificates.

Points to Note

  • When Real Estate Certificate Financing is used by our individual customers, the BDDK’s “Restrictions on Consumer Loans” will be taken into account.
  • Currently, financing amounts up to 125,000 TL are available for terms of up to 36 months; financing amounts between 125,001 TL and 250,000 TL are available for terms of up to 24 months; and financing amounts of 250,001 TL and above are available for terms of up to 12 months.
  • In the event of changes to the BDKK restrictions, the amount and term limits will be applied in accordance with the most current decisions.

How It Works

  • Customers using Real Estate Certificate Financing must have an investment account with our bank.
  • A letter of commitment will be obtained from our customers at the time of the relevant financing application. The customer will agree that the amount transferred to their account will be used solely to purchase real estate certificates and that the certificates will be placed under a block.
  • If the financing is closed before maturity, the MKK block will be lifted, and our customer will be able to freely sell their certificates.

For more information and to apply, please visit our branch nearest you.