Tailored Housing Finance

Customers who do not yet have a down payment or who have postponed buying a home due to a heavy mortgage burden can first save up for a down payment; once they reach their desired term and amount, they will be able to take out a mortgage with a zero or more favorable interest rate.

You can open a Participation Account of your choice through our mobile or online banking channels by selecting the “Open Account” menu.

Since no restrictions are imposed on our customers during this period, they will be able to withdraw the money they have saved, along with the net profit share earned, and exit the system at any time they choose.

Translated with DeepL.com (free version)

• Our customers are expected to make regular payments and build up savings in the “Gönlüne Göre Participation Account” they open for “Gönlüne Göre Housing Finance.”
• Our customers can withdraw the money they have saved in the participation account, along with the net profit share earned on that amount, and exit the system at any time.
• Once our customer has reached the amount they have set, they will be eligible to use the “Gönlüne Göre” Home Financing program.
• In addition to standard payment plans, our customers may deposit any amount into the account on the due date at any time they choose.
• Amounts deposited on the maturity date will be credited to the participation account.
• By waiving their right to the profit on the principal, our customers may use housing finance not only with the amount they have saved and the maturity term they have accumulated but also with different amounts and maturity terms.
• No system fees or penalty conditions related to this process will be applied to our customers.
• The return our customers earn on their participation accounts will be considered a cost-offset factor for our current housing finance rates.
• The Emlak Katılım financing rate and term may vary depending on current market conditions. Housing finance provided under the “Housing Finance as You Wish” program will be evaluated within the scope of our bank’s housing finance allocation policies.

• Application form
• A photocopy of an ID card, driver’s license, or passport
• Proof of income based on the individual’s employment status
• Other documents that may be requested by the branch
• A photocopy of the title deed for the property being financed
• If necessary, a photocopy of any of the following bills—landline phone, electricity, water, or natural gas—registered in the customer’s name and dated no more than two months prior
• If deemed necessary, documents regarding the guarantor and the guarantor’s information