Mortgage application
A mortgage works with one difference: the bank lends against the property rather than against you. Leave your request and let bankers tell you how much they can lend on that particular home.
What the banks publish this week
21 banks publish a rate between 2.88% and 5.99%.
Read from the banks' own pages on 2 November 2026. These are published rates, not offers.
Rates bank by bank →Documents needed for a mortgage
- Identification
- Proof of income: a payslip, an SGK service record, or a tax registration certificate
- The title-deed details or the listing of the property you are buying
- A valuation report prepared by the surveyor the bank appoints
- A compulsory earthquake insurance (DASK) policy
What decides the answer
- The surveyed value of the property — the bank sizes the loan against that, not against the sale price
- The loan as a share of the surveyed value; the ceiling is set by regulation
- Your Findeks score and the instalment as a share of your income
- The age of the building and its occupancy permit; very old or unpermitted buildings may not qualify
Legal limits
| Property value | Class A or B | Class C | Other |
|---|---|---|---|
| 5,000,000 TL and below | 90% | 80% | 70% |
| 7,000,000 TL and below | 80% | 70% | 60% |
| 10,000,000 TL and below | 70% | 60% | 50% |
| 20,000,000 TL and below | 50% | 40% | 30% |
| Above 20,000,000 TL | 40% | 30% | 20% |
Basis: BDDK Kurul Kararı 11364 · 29.01.2026
Common questions
Which documents does a mortgage need?
Banks usually ask for: identification; proof of income (a payslip, an SGK service record, or a tax registration certificate); the title-deed details or the listing of the property you are buying; a valuation report prepared by the surveyor the bank appoints; a compulsory earthquake insurance (DASK) policy. It varies from bank to bank; the banker who writes to you gives the exact list.
Who pays for the valuation?
The applicant pays the valuation fee, and it is not refunded if the loan does not go through. The amount is in the bank's own schedule of product and service fees.
Can I borrow the full value of the property?
No. The loan as a share of the property's value is capped by regulation, and you have to cover the rest as a down payment.
Can I move my existing mortgage to another bank?
Yes — that is a mortgage transfer. Choose it as the loan type on the request form and bankers will tell you the rate they would take it over at.
Does leaving a request affect my credit score?
No. A request is not an application; nothing is queried at any bank and no Findeks record is created. A score query happens only when you apply to a bank yourself.
Who sees my phone number?
Bankers do not see your phone number or email unless you share them. We email you when a banker writes.
KrediBul is not a bank. It does not lend, does not set rates and does not forward your request to a bank. What it does is show your request to bankers; the offer and the decision belong to the bank's own process.
Other loans
Leave your request
The amount, the term and your contact details. Bankers write to you through KrediBul; your phone number and email are seen only by a banker you share them with.
Know before you sign
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.
Legal limits on loans
The BDDK's maximum term and loan-to-value limits by amount, each with the Board decision it rests on.
bankaci.app →Average interest rates
The average rates Bankacı's users calculated with over the last seven days, and the most-calculated brackets.
bankaci.app →Loan glossary
KKDF, BSMV, effective rate, balloon payment, early-payment compensation: every term on the calculation screen, defined.
bankaci.app →