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For those who don't want their monthly installments to change so that they know how much they will pay each month...
With the Fixed Rate Mortgage, the amount of your installments never changes, it always stays the same. You just say the term you want, and easily own the your dream house with suitable interest rates.
*Monthly and Annual Cost Rates for the Fixed Rate Mortgage are calculated for a loan of TL 80,000. The insurance fees are not included in the calculation.
For those who want to pay higher monthly installments for their mortgage at the start and then lower in the following periods...
If you want to pay less in the following months by paying higher installments at the beginning, the Shrinking Payment Mortgage is just the thing for you!
With the Shrinking Payment Mortgage, you can lower the interest burden of your loan by up to 40%.
For those who want to reduce the sum of their installments by paying more at certain months.
If you are receiving bonus payments or additional income at certain periods, then the Interim Payment Mortgage is just the thing for you! With Interim Payment Mortgage, you can make interim payments at intervals that you predetermine and reduce your monthly installments in the remaining period.
For those who want to determine how much and when they will repay according to their budgets.
If your income varies depending on the times of the year or you want to make interim payments at an amount that you determine at certain periods throughout the mortgage term, then the Personalized Payment Mortgage is just the thing for you!
For those who want to start with lower installment payments and gradually increase at a certain rate every year.
If you want to pay lower installments at the earlier stages and gradually increase them in the following months, you can use the Graduated Mortgage.
Faizlerde düşüş bekliyorum, bu yüzden kredi faizimin vade boyunca düzenli olarak güncellenmesini istiyorum. Arada sırada faiz dalgalanmaları olursa da, beni rahatsız etmez, diyenlere.
Önümüzdeki dönemde faizlerin düşmesini bekliyor ve kredi taksitlerinizin ona göre değişmesini istiyorsanız Değişken Faizli Mortgage tam size göre!
Değişken Faizli Mortgage ile kredi faiziniz, tercihinize göre her 1, 3, 6 veya 12 ayda bir, bulunulan aydan bir önceki ayda TÜİK tarafından açıklanan TÜFE (Tüketici Fiyatları Endeksi) yıllık yüzde değişim oranı baz alınarak hesaplanan Banka’nın güncel Değişken Faizli Mortgage faiz oranına göre otomatik olarak güncellenir.
For those who want to pay equal installments for the first few years and prefer their installments to change depending on the applicable interest rates in the following periods.
If you want to utilize a fixed rate loan for a certain period and then benefit from the potential interest rate changes in the following period, then Fixed + Variable Rate Mortgage is just the thing for you!
With Fixed + Variable Rate Mortgage, you can use your loan at a fixed rate for a period that you can determine up to 5 years. In the following period, your loan interest rate is updated periodically (monthly or every 3 months, 6 months or 12 months) according to the Bank's prevailing Variable Interest Rate Mortgage interest rate calculated based on the annual percentage change of CPI (Consumer Price Index) announced by the Turkish Statistical Institute in the month before the current one.
For those who want to use a house they own as collateral and take out a larger, longer-term loan with suitable interest rates just like a mortgage.
Home Equity Loan
Home Equity Loan lets you utilize a long-term large loan with suitable interest rate for any of your expenses if you use a house you own and reside in as collateral!
Home Equity Line of Credit
If you would like to borrow credit for your needs against the house you own by pledging it as collateral and want to use your total credit limit in parts as you need at any time, then Home Equity Line of Credit is just the thing for you!
Automatic Home Equity Line of Credit
If you already have a mortgage with Garanti BBVA and want also want to take out a high-limit, longer-term loan with suitable interest rates for your other needs, you can use the Automatic Home Equity Line of Credit.
Thanks to the mortgage you have already utilized, you will be able to automatically use credit at an amount and time you need within your line of credit.
For those who want to get an environmentally-conscious loan with reasonable interest rates and advantageous loan costs.
Urban transformation is one of the most important issues for Turkey that lies on an earthquake belt and where most buildings should be renovated. In the process of renovation of the buildings, energy efficiency and the conversion of new structures into green buildings are of great importance. We, as Garanti BBVA, work to internalize the concept of sustainability and to contribute to the transfer of resources to future generations.
Within this scope, we have introduced the "Green Mortgage" product, Turkey's first green home loan, in cooperation with the EBRD and IFC, in order to support buildings with high energy efficiency by offering advantageous interest rates. In addition to the advantageous interest rates, we have provided a 50% discount in credit allocation fee for customers opting for Green Mortgage. Our customers should choose to buy buildings with Class A or B "Energy Performance Certificate" (EKB) and must present the relevant certificate to our bank in order to benefit from Green Mortgage.
Besides all these, living in a house with class A or B energy efficiency contributes significantly to reducing your monthly expenditures such as heating and electricity. Taking these contributions into account, you get to achieve considerable savings also on fixed monthly costs, together with the financial benefits such as advantageous interest rates and credit allocation fees offered with Green Mortgage. Coupled with the economic gains to be brought by living in class A or B houses that are environmentally friendly, you can also witness the positive impacts of living in healthy buildings on your quality of life.
To cut it short, by opting for a green house, you will both be able to utilize an advantageous housing loan and contribute to your household income by saving while living in your house. If you want to benefit from this advantageous and environmentally-friendly product, you can visit Garanti BBVA branches. If you wish to receive information over the phone, you can call our customer service at 444 38 46 or fill out a form via our website and expect a call from us. Our mortgage experts will reach you using the contact details you share with us.
If you want to buy a new workplace or make improvements in your current workplace, then a commercial mortgage is just the thing for you!
If you want to buy a new workplace or make improvements in your current workplace, then a commercial mortgage is just the thing for you! What's more, you can choose to rent the workplace you will buy and benefit from it as an investment or use it as your workplace.
Together with suitable interest rates and maturity options accompanying the commercial mortgage product, Garanti BBVA presents different advantages according to your intended purpose.
Commercial Owner-Occupied Mortgage
Commercial Investment Mortgage: