Financing

Housing Finance; the house you wish to purchase is purchased by our Bank in line with participation banking principles and then sold to you according to the term you want.

Consumers are financed in TL for the purchase of brand new or second-hand passenger cars.

Workplace Finance provides financial support for any kinds of offices, stores, shops, lodging, warehouse etc. that you wish to purchase.

Emlak Katılım Personal Finance is there for you for all your needs including travel, education, hajj/umrah and wedding expenses!

Our bank acts as an intermediary for application and sales transactions regarding real estate projects owned by the Housing Development Administration of Turkey (TOKİ).

Real Estate Certificate Financing (GSF) is a specialized financing product designed in accordance with the principles of participation banking, enabling our individual and corporate customers to invest in real estate certificates issued by the Capital Markets Board of Turkey (SPK) and traded on Borsa Istanbul.

An Electronic Product Certificate (ELÜS) is an electronic document issued to represent products stored in licensed warehouses.

Urban transformation aims to ensure that flat owners residing in risky buildings or areas can live in safer and more modern structures by either demolishing and reconstructing their buildings or strengthening them without demolition, thereby eliminating threats to life and property safety.

With the "Flexible Housing Financing" solution, offered for the first time in Turkey, our customers have the opportunity to utilize housing financing with a zero-profit rate.

"Collaborative Land Financing" is a financing model specifically designed for our customers who dream of owning land but cannot achieve this goal individually. You can now join forces to invest and become a co-owner of a land plot!

Our "Collaborative Workplace Financing" product is an installment-based commercial financing solution designed for our customers who wish to own a workplace for investment purposes but are unable to purchase one individually.