DCSIMG Loans | DenizBank

Only 1 demand deposit YTL account can be linked with an account as an overdraft Account

The limit is designated in accordance with income documentation. The relations of the customer with our bank are also taken into account.

The interest will be accrued at the end of each month.

Interest is calculated only for the period of time that the overdraft account is utilized. For example, suppose you borrowed from your overdraft account on the 10th day of the month. And then you deposited money in your account on the 15th, turning your balance positive. You will pay interest only for the period in between.

As long as the debt and the accrued interest in question do not exceed the designated Overdraft Account limit, the debt can be closed any time.

Unless you already have an account in DenizBank, first, a demand deposit account is opened in one of our branches in your name. To apply for an overdraft account, you need to fill out an application form available in our branches and submit a copy of your id as well as income documentation to the branch.

An Overdraft Account can be used within a designated limit at DenizBank branches and DenizBank ATMs. Any automatic bill and credit card payments will be paid on time from the Overdraft Account limit even if the account balance is not enough.

An overdraft account can be closed by applying to the relevant branch and paying any debt and interest accrued (if any).

Since bank records have to be kept in YTL, for foreign currency indexed personal loans, where customers repay in foreign currency, at every installment period, the difference (in foreign currency exchange rates) between customer payments and bank accounting records is subjected to KKDF BSMV (Resource Utilization Support Fund and Banking and Insurance Transaction Tax) taxes at pre-set rates according to Central Bank instructions and are transferred to the respective institutions. The KKDF is collected in terms of the difference between the remaining total principal and the exchange rate and the BSMV in terms of the difference between the principal and the exchange rate within the installment.

The KKDF & BSMV taxes in payment plans are calculated in terms of loan interests and are included within the installments. For all personal loans, (YTL or foreign currency indexed), the KKDF BSMV taxes are collected in terms of loan interest. Only for foreign currency indexed personal loans, the KKDF BSMV taxes are calculated in terms of the appreciation in the exchange rate and collected in addition to the installments.

Foreign currency indexed personal home loans are exempt from the KKDF tax. Therefore, for those loans only the BSMV within the installment is payable. In all other foreign currency indexed personal loans (personal, auto, personal financing), there is the obligation to pay the KKDF (difference between the remaining principal and exchange rate) and the BSMV (difference between the principal and exchange rate within the installment).

The KKDF tax is 15 % of the difference between the remaining principal and exchange rate and the BSMV tax is 5 % of the principal within the installment.

Information regarding the amount of KKDF BSMV (the difference between the principal and the exchange rate) due can only be found out on the repayment date from the branch that granted the loan.

It is not possible to notify customers of an exact KKDF BSMV amount since it is calculated in terms of the remaining principal at every loan repayment (BSMV in terms of the principal within the installment) depending on the foreign currency exchange rate at the end of the day of repayment. However, the amount payable can be calculated approximately in terms of the foreign currency buying rate on the repayment date.

Since the amount of KKDF BSMV is calculated depending on the foreign currency exchange rate at the end of the installment repayment day, it will be deducted from your account at the end of the installment repayment day.

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