Consumer Loans​

Required Documents for Consumer Loan Application

• Identity Document (ID Card containing Turkish Identification Number, driver's license, or passport)
• One utility bill (natural gas, electricity, telephone, or water) issued within the last 3 months in the name of the applicant
• Income Document
  • For Self-Employed Individuals or Traders:
    • SIncome Tax Declaration for the last year, balance sheet, and income statement/business account summary
    • Chamber of Commerce Registration Document/Professional Chamber Registration Document
  • For Company Partners:
    • Income Tax Declaration for the last year, certified balance sheet, and income statement/business account summary
    • Chamber of Commerce Registration Document/Professional Chamber Registration Document
  • For Salaried Employees: Payroll or salary statement and company signature circular
  • For Retirees: Pension account statement or a letter containing information about the bank account where the retirement pension is deposited
  • For Individuals Declaring Rental Income: Title deed of the property generating income and relevant lease contract
  • For Individuals Earning Investment Income: Account statement showing interest income

Other Documents Required Depending on the Loan Products

For Mortgage Loans:

• Copy of the title deed of the property to be purchased

For Vehicle Loans:

• Proforma Invoice

For Personal Finance Loans:

• Copy of the title deed of the property to be mortgaged

For Mortgages for Foreign Residents:

• Passport
• Document showing the residential address
• Document confirming the payment of the down payment (50% of the property value) to the seller or deposit account statement
• Income Documents Valid for Foreign Residents
  • For Salaried Employees:
    • Customer's last 3 months' salary slip and bank account statement showing salary transactions
    • Signature circular of the authorized signatory signing the salary slip
    • Document showing the total tax paid by the customer for one year (Form p60 for the UK and Ireland)
    • Document obtained from the customer's credit bureau in their own country
  • For Self-Employed Individuals:
    • Company registration certificate
    • Document proving partnership if applicable
    • Company balance sheet and income statement for the last two years
    • Title deeds related to company-owned real estate and permits for vehicles (if any)
    • Bank account statements showing the company's cash flow obtained from the bank where the company operates
    • Annual tax return
    • Tax identification card issued by the Turkish authorities or foreign identity number obtained from the police department

Copies of these documents can initiate the application. The originals will be required for loan disbursement. The visa expiration date approved by the Turkish authorities must cover the loan disbursement date. To ensure quick and positive evaluation of the loan, income information/documents must be provided in full.