LOAN REQUEST

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

11 banks publish a monthly rate between 2.88% and 4.54%.

Read from the banks' own pages on 20 September 2026. These are published rates, not offers.

Rates bank by bank →

What the banker will 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

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

Common questions

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.

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 how to reach you. Bankers who see the request call you directly.

FROM BANKACI

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.