Help & Advice

Which loan products are under the scope of Mortgage Law?

The Law :
Widely known as the "Mortgage Law", the "Law Amending the Laws Related to the Housing Finance System" is an umbrella law that amends various acts, particularly the Capital Markets Law, the Execution and Bankruptcy Law and the Consumer Protection Law.

As known, currently the loans defined as the housing loans are loans that are provided for the purchase of a property or the refinancing of these types of loans.
With the new law, in addition to these loans, the loans that consumers will get by putting up their existing properties as collateral and refinancing of these loans will be considered under the scope of housing finance.


  1. Will it be possible to take out a loan with the conditions defined in the previous legislation, even after the Housing Finance Law comes into effect?

    As the loans provided towards the purchase of a property will be subject to the Housing Finance Law after the law comes into effect ...

  2. Will there be any changes in the loan application / evaluation process within the scope of the new law?

    With the new law, banks must present a Pre-Agreement Information Form ("SÖBF") to the consumers.

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