Housing Finance

You can buy the house of your dreams with long term payment options special for you. 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.

• We offer the best terms for you for financing repayments. You can determine and make your repayments according to your budget.
• You can get housing finance up to 80% of the appraisement* value of the house you want to purchase.
• In housing finance, you can be exempt from Resource utilization Support Fund (RUSF), Banking and Insurance Transaction Tax (BITT) payments.
• If deemed necessary, collateral guarantee can be requested for your financing request.

(*) Appraisal of the house is carried out by CMB licensed institutions contracted with Emlak Katılım.

Documents required

• Application form
• Identity card, driving license or passport photocopy
• Income certificate according to individual’s working status
• Other documents to be requested by the relevant branch
• Photocopy of land registry certificate of the house subject to financing transaction
• When necessary, photocopy of any of fixed telephone, electric, water or natural gas bills issued in the name of the customer and dated two months before the application at the latest
• When deemed necessary, guarantor and related guarantor documents

General Information About Housing Finance:

• Application form
• Identity card, driving license or passport photocopy
• Income certificate according to individual’s working status
• Other documents to be requested by the relevant branch
• Photocopy of land registry certificate of the house subject to financing transaction
• When necessary, photocopy of any of fixed telephone, electric, water or natural gas bills issued in the name of the customer and dated two months before the application at the latest
• When deemed necessary, guarantor and related guarantor documents