Mortgage Products

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Mortgage Products

Fixed Rate Mortgage

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.

You can take out the housing loan in TL.
The maximum term is 240 months.
You can determine the repayment plan that best suits you.
The interest rate in effect for the Fixed Rate Mortgage at Garanti BBVA at the time the mortgage is issued shall apply.
This loan can only be utilized by natural persons and for the purchase of a residential property.
Pledging the house you bought will suffice as the loan collateral. While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.
Maximum 80% of the appraisal value of the property to be purchased can be financed through mortgage.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.

Rates

Last update: -

*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.

Shrinking Payment Mortgage

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%.

You can take out the housing loan in TL.
The maximum term is 240 months.
You can determine the repayment plan that best suits you.
The interest rate in effect for the Fixed Rate Mortgage at Garanti BBVA at the time the mortgage is issued shall apply.
This loan can only be utilized by natural persons and for the purchase of a residential property.
Pledging the house you bought will suffice as the loan collateral. While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.
Maximum 80% of the appraisal value of the property to be purchased can be financed through mortgage.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.

Interim Payment Mortgage

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.

You can take out the housing loan in TL.
The maximum term is 240 months.
You can determine the repayment plan that best suits you.
The interest rate in effect for the Fixed Rate Mortgage at Garanti BBVA at the time the mortgage is issued shall apply.
This loan can only be utilized by natural persons and for the purchase of a residential property.
Pledging the house you bought will suffice as the loan collateral. While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.
Maximum 80% of the appraisal value of the property to be purchased can be financed through mortgage.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.

Personalized Payment Mortgage

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!

You can take out the housing loan in TL.
The maximum term is 240 months.
You can determine the repayment plan that best suits you.
The interest rate in effect for the Fixed Rate Mortgage at Garanti BBVA at the time the mortgage is issued shall apply.
This loan can only be utilized by natural persons and for the purchase of a residential property.
Pledging the house you bought will suffice as the loan collateral. While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.
Maximum 80% of the appraisal value of the property to be purchased can be financed through mortgage.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.

Graduated Mortgage

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.

You can take out the housing loan in TL.
The maximum term is 240 months.
You can determine the repayment plan that best suits you.
The interest rate in effect for the Fixed Rate Mortgage at Garanti BBVA at the time the mortgage is issued shall apply.
This loan can only be utilized by natural persons and for the purchase of a residential property.
Pledging the house you bought will suffice as the loan collateral. While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.
Maximum 80% of the appraisal value of the property to be purchased can be financed through mortgage.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.

Variable Rate Mortgage

I expect interest rates to fall, so I want my loan interest rate to be updated regularly throughout the term. Even if there are occasional interest rate fluctuations, it won't bother me.

If you expect interest rates to fall in the coming period and want your loan installments to change accordingly, Variable Rate Mortgage is for you!

With the Variable Rate Mortgage, your loan interest rate is automatically updated every 1, 3, 6 or 12 months, depending on your preference, according to the Bank's current Variable Rate Mortgage interest rate, which is calculated based on the annual percentage change rate of the CPI (Consumer Price Index) announced by TÜİK in the month preceding the current month.

You can use it in TL.
The maximum loan maturity is 240 months.
Prepayment fee is not charged for early repayment/closing.
The current Variable Rate Mortgage interest rate announced by the Bank applies.
Can only be used for residential purchases and by real persons.
It is sufficient to mortgage the house you purchase as collateral. In general, no guarantor is required, but branches have the right to request a guarantor if they deem appropriate.
Housing finance loans of customers who do not own a registered house as of the date of loan utilization are exempt from KKDF and BITT. If the customer has a registered house as of the date of loan utilization, housing finance loans are exempt from KKDF and BITT is charged.

Fixed + Variable Rate Mortgage

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.

You can take out the loan in TL.
The maximum term is 240 months.
During the fixed rate period, the up-to-date fixed rate for Fixed Rate Mortgage announced by the Bank applies while the Bank's prevailing Variable Interest Rate Mortgage interest rate
is valid when the customer is expected to pay variable interest.
This loan can only be utilized by natural persons and for the purchase of a residential property.
No early repayment charge shall be applied in case of early repayment.
Pledging the house you bought will suffice as the loan collateral. While a guarantor is not required in general, the branches reserve the right to demand one if they deem necessary.
Maximum 80% of the appraisal value of the property to be purchased can be financed through mortgage.

Home Equity Loan

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!

You can take out the loan in TL.
The maximum term is 36 months.
The Home Equity Loan interest rate in effect at our bank at the time the loan is issued shall apply.
The property pledged as collateral for the loan must be owned by you.
You can choose to utilize the Home Equity Loan with fixed interest rate.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.
While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.

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!

You can take out the loan in TL.
The maximum term is 36 months.
You can use your entire credit limit within 24 months as from the date of the initial borrowing.
The Home Equity Line of Credit interest rate in effect at our bank at the time the loan is issued shall apply. The property pledged as collateral for the loan must be owned by you.
You can choose to utilize the Home Equity Line of Credit with fixed interest rate.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.
While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.

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.

The maximum term is 36 months.
You can use your entire credit limit during the loan term to start after 1 year as from the date of the initial borrowing.
The Automatic Home Equity Line of Credit interest rate in effect at our bank at the time the loan is issued shall apply. The property pledged as collateral for the loan must be owned by you.
You can choose to utilize the Automatic Home Equity Line of Credit with fixed interest rate.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.
The total of the amount to be borrowed under the Automatic Home Equity Line of Credit and the amount already lent under the mortgage facility cannot be more than 50% of the appraisal value of the property to be pledged
Credit upper limit is TL 40,000.
While a guarantor is not required in general, our branches reserve the right to demand one if they deem necessary.

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.

*Home Equity Line of Credit and Automatic Home Equity Line of Credit cannot be utilized at the same time.

Faizler

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Commercial Mortgage

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

You can take out the loan in TL.
The maximum term is 120 months.
The Commercial Mortgage interest rate in effect at our bank at the time the loan is issued shall apply.
The loan can only be utilized by natural and legal persons and for the purchase of a workplace to be used by the owner or for workplace improvements.
It is exempt from RUSF. In order for the RUSF exemption to be applied, the customer should agree and undertake to comply with this condition at the time of loan utilization, and then the purchased workplace should be included in the assets of the enterprise.
Pledging the workplace you bought will suffice as the loan collateral. While a guarantor is not required in general, the branches reserve the right to demand one if they deem necessary.
Up to 100% of the appraisal value of the workplace can be financed through commercial mortgage depending on the approval of notification officer.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.

Commercial Investment Mortgage:

You can take out the loan in TL.
The maximum term is 120 months.
The Commercial Mortgage interest rate in effect at our bank at the time the loan is issued shall apply.
This loan can only be utilized by natural persons and for the purchase of a workplace for investment purposes.
Pledging the workplace you bought will suffice as the loan collateral. While a guarantor is not required in general, the branches reserve the right to demand one if they deem necessary.
Up to 100% of the appraisal value of the workplace can be financed through commercial mortgage depending on the approval of notification officer.
In case of a request for the early repayment of one or more installments in Fixed Rate Mortgages, an early repayment charge of a maximum of 1% of the paid principal amount if it is not more than 36 months until the end of your mortgage term, or maximum 2% if it exceeds 36 months.