+90 5392863053

Oral Cad.No:10/B

Alanya, Antalya, Turkey



How to Get a Mortgage from Turkish Bank?

We would be more than happy to help you with property finance in Turkey. As we cooperate with banks providing mortgages to foreigners in Turkey. It makes for you the mortgage application process much easier. Our friendly* and English speaking staff will assist you at every stage of the mortgage application. 

  • After collection of all the documents mentioned below, the bank will give the final approval
  • With the approval, Tapu (Land Registery ) Office will be arranged to put the mortgage on a title deed
  • The loan amount will be paid to the seller of the real estate and the loan process is completed.

Features of the loan:

Loan to valueMaximum 50% of the appraisal value (not always equal to the sales price)
Debt to incomeMaximum net salary to spend to installment for total loan position 50%
Valuation of incomeOnly salary income transferred to a bank account, the average profit of the last 2 years, pension income
Maximum amountNo maximum
Maturity (USD,GBP,EUR)10 years
Maturity (RUB)10 years
Loan in TLYes
Loan in euroYes
Loan in DollarsYes
Loan in British poundYes
Loan in RubleYes
Interest typesFixed
Early repaymentPossible %2,5 penalty fee
Property valuationDone by bank or appointed appraisal by bank
Age of application25 -70 years
Maximum age at end of maturity70 years
DASK: nature disaster insurance, House insurance;To be arranged via bank,
Life insuranceNo obligation
Off-plan mortgageYes, with full bank guarantee from constructor for the total loan amount
Monthly installment paymentsAutomatic payment from a bank account
Validity of the pre-offer3 months

Requested documentation and application form: 

  A B C
Signed application form × × ×
Copies of passports signed by the branch or notary × × ×
Overview of private assets proven by official statements × × ×
Overview of private debts proven by official statements × × ×
Documents proving monthly financial obligations (rent, house loan installments, alimentation) × × ×
Income statement for employees signed by the employer (last 3 months) ×   ×
Bank statements declaring the income (not older than 3 months) ×   ×
An appraisal report of the property which will be prepared by the bank during the underwriting process × × ×
Tax Identity Number (The applicant shall apply to the local tax office in Turkey and get a tax number) × × ×
Certificate from the credit record office of customer’s home country (not always needed*) × × ×
Copy of the Tapu (deed) of the object that will be bought × × ×
Annual report of the holding company for the last two years together with a copy from the shareholder register   ×  

 ***In case the applicant has the residence permits of several countries, the official credit record documents to be arranged by each country’s relevant authorities must be submitted to DenizBank. The documents must be notarized and apostilled.

How to read the block :

Colon A 1st emloyed

Colon B 2 selfemployed

Colon C 3 retired 



Share This
About The Author
Anna Gök

Real estate broker since 2005. First steps in this branch done at Exclusive Estate in Cracov, which built my base at that work. Than at 2008 started to explore Alanya market, and in the result together with Şükrü Gök we decided not only to join lives but also our real estate experience so we created Sunlight Estate. Since that time, by learning every day, we do our best to develop our borkerage service in Alanya.

Leave a Reply