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Real-Estate Certificate Financing

Real Estate Certificate Financing (GSF) is a special financing product designed in accordance with the principles of participation banking, which allows our real and legal clients to invest in real estate certificates issued by the Capital Markets Board (CMB) and traded on the Borsa Istanbul.
Thanks to this financing, our customers have the opportunity to become a direct partner in the relevant project, while at the same time being able to make their investments in an interest-free and transparent structure.

The Importance of Real Estate Certificates as an Investment Tool

With the progress of real estate projects, investors can both get certificate returns in second-hand markets and gain the right to acquire real estate if they reach a certain share. Since the product offers the opportunity to invest with small amounts, it offers an accessible, sustainable and risk-distributed alternative, especially for young investors, savers and individuals who will invest in real estate for the first time.

Features

  • Both real and legal persons can use Real Estate Certificate Financing.
  • During the financing term, real estate certificates will be used as collateral, and MKK will place a block on the certificates to prevent their sale.

Points to Note

If Real Estate Certificate Financing is used by our individual customers, the "Restrictions on Consumer Loans" of the BRSA will be taken into account.
Currently, there is a maturity period of up to 36 months for finances up to Dec. 125,000, up to 24 months for finances between DEC. 125,001 and DEC. 250,000, and up to 12 months for finances of DEC. 250,001 and dec. 250,000.
In case of changes to the BDDK limitations, the amount and maturity limits will be applied according to the current decisions.

Usage Phase

Customers using Real Estate Certificate Finance must have an investment account with our bank.
A commitment letter will be obtained from our customers during the relevant financing application process. The customer will be deemed to have consented to receiving only real estate certificates with the amount transferred to their account and to the certificates being placed on hold.
If the financing is settled before maturity, the MKK blockage will be lifted and our customer will be able to sell their certificates freely.

For detailed information and application, you can visit our nearest branch or get support from our Customer Communication Center.