Mortgage | DenizBank

Turkey is one of the most appealing destinations in the Mediterrenean Coast with its nature, climate and history. Buying a house in Turkey will not only be an enjoying experience for you, but it also is a great investment. Because of the fact that Turkey is an emerging property market, the country offers reasonable prices for overseas buyers.

We would be glad to offer our Mortgage services for your property finance in Turkey. DenizBank is the first Turkish bank providing mortgages to foreigners in Turkey. This makes us the most experienced bank and the best partner in making your dream come true.

In addition to our Mortgage services, we offer full banking service in setting up your daily banking needs in Turkey.

Benefits of Banking With Us

  • Friendly English speaking staff (and sometimes also French and German)
  • Competitive Mortgage rates
  • Competitive Savings rates
  • Knowledge about the legal obligations, restrictions and procedures which are applicable for foreigners' property purchase and banking transactions

We are looking forward serving you.

  • Buying a New House in Turkey
  • How to get a Mortgage from DenizBank
  • Features of the Loan
  • Requested Documentation & Application Form
  • Reciprocity List
  • Loan Rates

Buying a House in Turkey as a Foreigner

  • Turkey has a reciprocal agreement for the purchase of land and property with many countries. England, Germany, Australia, Austria, Belgium, France, Holland, Ireland, Spain, Italy, Canada, Luxemburg, Norway, Greece as well as some African and South American states are included in this list. Please click here for the full list.
  • Foreigners may purchase in their own name if the property is outside military zones. Title deed office has to officially ask the prior approval or permission of the highest military command of the area before transferring the title (Approval of the ministry of Defense: Savunma Bakanliği). The duration of the request for permission is estimated on 30-60 days.

How To Get a Mortgage From DenizBank?

  • Foreigners, with different behavior/features, require a different application approach. Therefore DenizBank has developed mortgage loans specially for foreigners
  • Required documentations are provided to the nearest branch of your new house.
  • An appraiser will be directed to your property for appraisal report.
  • The branch will inform you in maximum 5 business days with regards to your mortgage application
  • You will be handed out the pre term sheet that you can use as our written promise to you
  • We will present a pre term sheet to you which notifies your mortgage conditions. After you sign the pre term sheet you will need to pay the commitment fee
  • Pre term agreement will be valid of four months. Meanwhile, we will be expecting you to arrange:
  • DASK: (nature disaster insurance)
  • House insurance; İskan Ruhsati (house permission)
  • Approval of the ministry of Defense (Savunma Bakanliği)
  • Tax number and opening a demand deposit account
  • After collection of all the documents mentioned above, we will give the final approval.
  • An appointment to pay out the loan and put the mortgage on the title deed at the Tapu office will be arranged.

Off Plan Mortgages

DenizBank offers Off Plan Mortgages to foreigners as well! You will not need to wait for your property to be completed. Please visit our nearest branch to ask for our current joint promotion with develops and ask for the special conditions or call 444 36 34.

Issue Feature
Loan to value Maximum 70% of the appraisal value (not always equal to the sales price)
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 € 25.000
Nationalities All countries that have a reciprocal agreement with Turkey. Click here for the full list
Maturity 15 years
Loan in TL 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; 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 (except interest rate) Until 18 months (1% extra commission required)

Mortgage - Immobilien finanzierung Hypotheek - Credit-logement

Thank you for showing interest in our product. We will be glad to inform you for your banking needs in Turkey.

Please click on the link of your choice in order to get in contact with the branch in the neighborhood of your property/investment.

You may also call DenizMortgage Advisor Line; 444 36 34.

Our staff is happy to contact you within 24 hours after we received your contact details.

Our branch staff will provide you with all necessary documents and explain the procedure in detail.

We are looking forward to serving you!

Please click here if you want to send a fax.

Please fill in the form (PDF) and fax it to +90 (0) 212 272 99 30.

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