The documents banks usually ask for, by loan type. The list varies from bank to bank; the banker who takes your request tells you the exact one. Leaving a request on KrediBul needs no documents.
For a personal loan, a mortgage or a car loan, banks usually ask for these first:
The documents above are usually enough.
The bank lends against the home you are buying, not against you, so the home's papers are asked for too.
The documents are the same. The bank sets the loan amount by the valuation, not by the sale price; the home's age and occupancy permit count too.
Moving your mortgage to another bank, you are also asked for the current loan's payoff letter and payment plan.
The car itself sets the loan's ceiling: the invoice value for a new car, the insured value (TSB list) for a used one, and its age.
For a business loan the bank looks at the business rather than the person; the business's papers take the place of the consumer documents.
Without a payslip, your business's papers show your income. For a personal loan, banks usually ask for:
If the loan is for your business, the business loan documents are asked for.
An amount, a term and a way to reach you are enough. Bankers write to you through KrediBul and tell you there which papers they need.
Run the same loan through seven plan types in the Bankacı app: equal principal, balloon, grace period, increasing and decreasing instalments, prepaid interest. Send the schedule to your customer as a PDF and see the legal limits beside the amount.
Before you leave a request, read Bankacı's reference pages: the legal limits in force, the average rates people are entering, and what the loan terms mean. All free, no account needed.
The BDDK's maximum term and loan-to-value limits by amount, each with the Board decision it rests on.
bankaci.app →The average rates Bankacı's users calculated with over the last seven days, and the most-calculated brackets.
bankaci.app →KKDF, BSMV, effective rate, balloon payment, early-payment compensation: every term on the calculation screen, defined.
bankaci.app →No. A request needs an amount, a term and a way to reach you; documents come in only once you start writing with a banker or apply to a bank.
Once you have shared your contact details with a banker, you send them in the KrediBul conversation: PDF, JPG or PNG, up to 6 MB. Only you and that banker can see the file; it is deleted after 60 days.
The residence certificate and the SGK service record come from e-Devlet.
No. The documents do not decide it; your Findeks credit score, the instalment's share of your income and, for a mortgage or a car loan, the valuation or insured value do. The decision is the bank's.
No. Banks may ask for different documents for the same loan; this page lists what is usually asked for. The banker who takes your request tells you the exact list.
