Lease Certificate (Sukuk)

It is a capital market product issued by asset leasing companies in order to provide financing for all kinds of assets, rights, investments or activities and in accordance with the principles of interest-free finance, which allows its owners to have rights in proportion to their share of the income from these assets, rights, investments or activities.

You can make Lease Certificate purchase and sale transactions through the investment account you will open at Emlak Participation through our branches and the Internet Branch.

• It necessarily has an underlying asset and/or right.
• It can have a fixed or variable return.
• It is traded in the secondary market. Investors who have lease certificates issued by our bank may sell some or all of these assets back to our Bank under market conditions before maturity.

You can carry out your Lease Certificate purchase and sale transactions through the investment account you will open at Emlak Participation through our branches and the Internet Branch.

• Short-, Medium- and Long-Term Fixed/Variable Return Investment Opportunity: Lease certificates (sukuk) offer their holders the opportunity to earn fixed or variable returns over short, medium or long terms, depending on their maturity structure.
• Periodic Payments: Lease certificates entitle their holders/investors to earn periodic income in accordance with interest-free financing principles.
• Asset/Right-Backed: Lease certificates are backed by underlying assets. Investors who purchase lease certificates earn returns in proportion to their share in the assets and rights underlying the issuance.
• Liquidity Advantage: Issued lease certificates are listed on Borsa İstanbul. Lease certificates approved for secondary market transactions can be converted into cash in the secondary market. Investors may convert all or part of their lease certificates into cash before maturity, depending on their needs.
• Use as Collateral at Our Bank: Investors who invest in lease certificates issued by our Bank may use these certificates as collateral to obtain financing from our Bank.