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Easy Mortgage!

Let DenizBank Home Loan make you a property owner! Make your dreams come true by borrowing a home loan available for reasonable maturity terms and interest rates, indexed to YTL or a foreign currency.Our professional team helps you well for Mortgage...Buying a second house (with a mortgage) in Turkey is a great decision that will give you a lot of pleasure and joy. Getting to that point is not always easy. Foreigners can face several different procedures and legal obligations. DenizBank is the first Turkish bank giving home loans to foreigners in Turkey. This makes it the most experienced bank and the best partner in making your dream come true. Besides the mortgage we offer a full service in setting up your daily financial life in Turkey. Therefore we can easily say: “We finance your dreams.”

Benefits of banking with us:

* Friendly English speaking staff (and sometimes also French and German)
* Good credit conditions and competitive rates;
* Knowledge of the all the legal obligations, restrictions and procedures applicable for foreigners banking in Turkey;
* Beside the mortgage we assist on money transfers local bill payments, local (house and personal) insurances;
* Many foreigners already joined the DenizBank success story and are banking with us;
* We are your true guidance on your way financing your second house(s) in Turkey

We are looking forward serving you.

Issue	Limit
Loan to value	Maximum 65%
Debt to income	Maximum net salary to spend to installment for total loan position 50%
Valuation of income	Only salary income transferred to a bank account, average profit of the last 2 years, pension income
Maximum amount	No maximum
Minimum amount	€ 30.000 euro
Nationalities	England, Germany, Australia, Austria, Belgium, France, Holland, Ireland, Spain, Italy, Canada, Luxemburg, Norway, Greece (and see appendix)
Maturity	5,10,15 and 20 years
Loan in YTL	Yes
Loan in euro	Yes
Loan in Dollars	Yes
Loan in British pound	Yes
Interest types	Fixed
Early repayment	Possible (2% penalty fee)
Property valuation	Done by DenizBank or appointed appraisal by Denizbank, pre-valuation paid by DenizBank
Age of application	25 -70 years
Maximum age at end of maturity	70 years
DASK: nature disaster insurance, House insurance;	Obligation to arrange via DenizBank,
Life insurance	No obligation
Off plan mortgage	Yes, with full bank guarantee from constructor for the total loan amount
Monthly installment payments	Automatic payment from a DenizBank account
Validity of the pre offer	4 months
Extension of validity of the pre offer	Until 18 months (1% extra commission required)

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ECB Exchange Rates Currency EUR 2010-09-03
	GBP	0.83275
	USD	1.2818
	TRY	1.9402

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