13 - 14 March,
T-Modul Exhibition Hall,
Stand N:25 Tishinskaya, Moscow
 St. Petersburg
2-3 April
the Ledovy Stadium, prospekt Pyatiletok, 1
(m. Prospekt Bolshevikov),
Stand N:309
Moscow, Russia, Stand N: C9.2 Gostinyi Dvor, ul. İlinka, 4
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Mortgage • Immobilien finanzierung Hypotheek • Credit-logement
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Buying a house in Turkey as a foreigner
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How to get a Mortgage from FORTIS?
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The features of the loan
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Requested documentation for your mortgage application
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Loan Rates
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.
1.Buying a house in Turkey as a foreigner
Turkey has a reciprocal agreement for the purchase of land and property with many countries. This means that the people of these nations that allow Turks to buy land in their countries, can in return, buy land in Turkey. Foreigners may purchase in their own name if the property is outside military zones. Based on these agreements foreigners of the following countries are eligible. England, Germany, Australia, Austria, Belgium, France, Holland, Ireland, Spain, Italy, Canada, Luxemburg, Norway, Greece, Russia as well as some African and South American states. The full list is available in our branches or click here.
2. The features of the loan
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Loan to value
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Maximum 50% of the appraisal value (not always equal to the sales price)
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Debt to income
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Maximum net salary to spend to installment for total loan position 50%
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Valuation of income
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Only salary income transferred to a bank account
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Maximum amount
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No maximum
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Minimum amount
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No minimum account
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Nationalities
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All countries that have a reciprocal agreement with Turkey.
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Maturity
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1-15 years
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Loan in YTL
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No
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Loan in Euro
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Yes
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Loan in Dollars
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No
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Loan in British pound
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Yes
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Interest types and rate
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10, 25 % per year, fixed
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Early repayment
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Possible (2% penalty fee)
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Property valuation
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Done by FORTIS Bank or appointed appraisal by FORTIS Bank, pre-valuation paid by bank
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Age of application
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25 -70 years
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Maximum age at end of maturity
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70 years
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DASK: nature disaster insurance, House insurance;
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To arrange via DenizBank,
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Life insurance
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No obligation
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Off plan mortgage
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Yes, with full bank guarantee from constructor for the total loan amount
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Monthly installment payments
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Automatic payment from a DenizBank account
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Validity of the pre offer
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2 weeks
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3. Requested documentation for your mortgage application
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Official tax statement of the most recent year in the home country (for example P60)
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Copy of the Tapu of the object that will be bought (only for existing objects)( Kat mulkiyet tapusu or Kat irtifak tapusu + yapi kullanim izin belgesi)
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Copies of passports made and signed by the branch or notary
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Income statement of employers signed by the employer
- Documents proving monthly financial obligations (rent, house loan installments, alimentation)
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Overview of private assets proven by official statements
- Signed application form
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