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Housing Finance

Own Your Dream Home!

Own your dream home with long terms and tailored payment options. The property is bought by our Bank under participation-banking principles and sold to you over your chosen term.

Features

  • Set repayments over terms that fit your budget.
  • Finance up to 80% of the property’s appraisal value.
  • You may be exempt from RUSF and BITT.
  • Additional collateral may be requested if required.

(*) Appraisal is performed by CMB-licensed firms partnered with Emlak Katılım. Rates shown are limited to TRY 100,000; for higher amounts please apply at a branch.

Required Documents

Application form; copy of ID/driver’s license/passport; income document per employment status; copy of the property’s title deed; a recent utility bill if required; guarantor documents if required.

Joint Housing Finance

Joint Housing Finance lets you co-own a home with a friend, sibling, relative or spouse on a joint title deed and share the repayments.

Eco-Friendly Housing Finance

Available for homes with an Energy Performance Certificate of class A or B. A 2-point profit-share discount applies and a sapling is donated on your behalf via OGEM-VAK.

Housing Finance for Citizens Abroad

Housing finance for citizens residing abroad. In addition to the standard documents, an employer reference letter, a residence document / proof of address abroad and the last 3 months’ bank salary-account statement are requested. The loan amount is based on the combined appraisal value of the existing and to-be-purchased property; the loan-to-value ratio follows the Energy Performance Certificate and rating.