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İnternet kullanımlarınızda güvenliğini arttırmak ve İnternet Şubesinde sorunsuz işlem yapabilmek için tarayıcıların güncel versiyonlarını kullanmanızı, eğer kullanmıyorsanız yazılımcı firma resmi sitelerinden ücretsiz olarak güncellemenizi tavsiye ederiz.

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You don't have to wait anymore for your dream home to be yours.

To buy your own home or make a real estate investment, to move to a better house… Whatever you have in mind, our team of professionals is here to give you the solution that fits your needs best.

Our long-term, low amount installment options combined with affordable and flexible payment plans will meet your every expectation.

Your dream home is now within reach. You can get the Mortgage details you need together with attractive offers.

Odea Mortgage

Odeabank's basic Mortgage with a maturity of up to 120 months.

Discounted Mortgage

If you would like to reduce the interest and installment amounts you pay by settling additional commissions with a lump sum at the start of the loan period, the Discounted Mortgage is a solution that is more likely to suit you.

"Set up Your Own Payment Plan" Mortgage

You can set up your Mortgage payment plan in conformity with your budget and decide on the installment amount and period that suit you best.

Accelerating Mortgage

If you want to kick-start your Mortgage with low installments, this product is perfect for you. And if your income is expected to grow or other current debts to be covered earlier than thought, you can apply for an Accelerating Mortgage Plan and simply own a home by settling installments as if you were paying rent.

Transfer Mortgage

Is the interest applied to your Mortgage higher than the current market rate? You can transfer your loan to Odeabank and get attractive interest rates and comfortable payment options.

Commission-free Mortgage

You can get the house of your dreams without paying any disbursement commissions.

Interim Payments Mortgage

If you would like to make additional payments throughout the loan period, the Interim Payment Mortgage is the right product for you. It is best suited to employees who get bonuses or self-employed individuals who experience an increase in their income at certain periods of time. You can fully reimburse your principal before the end of the loan period with equal installments and pay less interest.

Start to Pay Later Mortgage

Step into your dream home today and start paying later. Odeabank offers you the opportunity to postpone installments up to 3 months.

Mortgage for Non-Residents

Customers who live abroad and want to purchase property in Turkey can benefit from Odeabank's Mortgage products.

Mortgage for Non-Residents can be originated in Turkish Lira, or can be indexed to EUR or to USD.

The loan amount can reach up to 50% of the property's appraised value.

Click here to find out which documents are required to apply for the Mortgage for Non-Residents.

100% Mortgage

You can get a loan for the entire cost of housing you want to buy. According to Turkish legal regulations, the housing loans can be granted up to 80% of the appraisal value of the house. For the remaining 20%, you can also get a loan with a second mortgage. The second mortgage has to be put on another residential property that belongs to you and that has a sufficient appraisal value.

All Inclusive Mortgage

You can include the mortgage fee, appraisal and insurance costs in your loan so that you can comfortably buy your house without the need of additional cash. Costs are included in your payment plan.

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Q Bahçe 
  • QBAHÇE Kurtköy – Erguvan İnşaat
  • Kurtköy / İstanbul
  • Phone - 444 5 374
  • www.qbahce.com
  • Caddebostan Branch - (216) 468 68 00
 

Building on 32 years of experience, Erguvan İnşaat has recently launched a brand-new project in Kurtköy: QBAHÇE. Kurtköy is known for its clean air, natural beauty and earthquake-resistant infrastructure. Thanks to these features, Kurtköy is considered one of Istanbul's most attractive residential areas.

QBAHÇE Kurtköy will be built on 15 acres of land, boasting an outdoor swimming pool, a fitness center and sauna, indoor parking area, children's outdoor play area, along with walking and jogging tracks. The construction project also includes a cafeteria, outdoor barbecue areas and camellia gardens promising a pleasant life for the owners.

QBAHÇE will consist of 98 residential units with modern and contemporary design as well as a solid structure in compliance with earthquake codes. The project will offer a unique living environment and an impressive layout with 3+1, 2+1 and 1+1 apartment types.

Apply today at your Caddebostan Branch for Mortgage opportunities specially designed for this project.

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Vadistanbul 
  • VADİSTANBUL - Artaş-Aydınlı-Keleşoğlu Joint Venture
  • Ayazağa / İstanbul
  • 444 53 35
  • www.vadistanbul.com
  • Maslak Branch - +90 (212) 304 81 00
 

An exclusive housing project in Istanbul with the special conditions of Odeabank: Vadistanbul!

The project is located on a 50,467 sqm area in Istanbul, Ayazaga by Artaş, Aydınlı and Kelesoglu; Vadistanbul offers a brand-new living concept with social facilities, terrace, parkway and gardens. Project sales have started with 1,111 apartments to be built on a concrete double rafts system.

Why waiting while you can now buy an apartment in Vadistanbul? This huge residential compound boasts gardens, shopping centers and entertainment areas spanning throughout the project, indoor and outdoor swimming pools, along with tennis and basketball courts, kids playgrounds, fitness center, sauna, steam bath and landscape fields.

You can either apply at our Odeabank desk in the project's sales office or at our Maslak Branch for Mortgage opportunities specially designed for this project.

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maslak 1453 
  • Maslak 1453 – Ağaoğlu Şirketler Grubu
  • Maslak / İstanbul
  • Phone - 444 6 777
  • www.maslak1453.com
  • Maslak Branch - (212) 304 81 00
 

The outstanding Maslak 1453 İstanbul project becomes reality.

This particular project offers large shopping areas and social venues on its 1453-meter-long street. You can enjoy its famous fashion stores and centers, from theatre halls to bazaars, swimming pools to restaurants and cafes. The traffic of Cadde 1453 is designed in a way to provide simplicity for owners through the path junctures within the external circle. There's no doubt shopping will be a delightful experience with everyone having fun at the same time.

Bearing Ağaoğlu signature, the project is fully environmentally friendly with its trigeneration system and eco-friendly green building systems.

For project-tailored Mortgage opportunities, you can apply at our Odeabank desk in the project's sales office or at our Maslak Branch.

What is Mortgage?

According to the "Law Amending the Laws Related to the Housing Finance System" dated February 21, 2007 and numbered 5582, the following falls under the Mortgage category:

  • Loans extended to consumers for the purpose of purchasing a house,
  • Consumer loans granted with a Mortgage of the home owned,
  • Housing loans extended during the construction of the home,
  • Renting of the home to consumers by means of leasing,
  • Refinancing of the current loans.

Commercial and business premises do not fall within the scope of the Housing Finance Law.

Why are the loans within the Housing Finance Law's scope more attractive than other consumer loans?

It is due to the fact that they are exempt from the Banking and Insurance Transaction Tax (BSMV). Since BSMV is a tax charged on the loans' interest at a rate of 5%, the interest on the loans falling within the scope of the Housing Finance Law is therefore 5% lower.

When is the early settlement commission charged?

In the fixed-interest housing finance loan, a 2% early settlement commission is charged on the early-paid principal. If you decide to fully reimburse your loan's remaining balance before maturity, the early settlement commission will rise over the remaining principal.

The early settlement fee does not apply to housing finance loans with variable interest rates.

How is the variable interest rate option applied?

According to the "Communiqué on the Applicable Reference Interest Rates and Indexes in the Housing Finance Agreement with Variable Interest Rates" published in the Official Gazette No. 26513 and dated May 5, 2007, the Consumer Price Index (CPI) announced by the Turkish Statistical Institute is the applicable reference index for the housing finance agreements with variable interest rates. While drawing up the housing finance agreements with variable interest rates or adjusting the interest rates in the periods indicated in the agreement, the annual CPI percentage change announced before two months by the Turkish Statistical Institute is used as a basis.

These price indexes are published on the Turkish Central Bank's website.

What are the interest rate options?

The interest rate type of the loans within the scope of the housing finance can be:
1.Fixed
2.Variable
3.Combined (fixed and variable).

The determined interest in the loans executed under the fixed interest rate system cannot be amended without the mutual agreement of the customer and the housing finance institution. As for the loans with variable interest rates, the interest will be floating, as indexed to the CPI, at regular intervals (i.e. once in 3 or 6 months) as determined in the agreement. As a result of the interest rate changes, the loan installments may increase or decrease.

What does "Refinancing" mean?

According to the "Regulation on the Principles and Procedures Related to the Refinancing of Loans within the scope of the Housing Finance" published in the Turkish Official Gazette No. 26658 and dated September 29, 2007, refinancing includes:

  • A change in the loan's interest rates,
  • A change in the maturity of the loan,
  • A change in the interest type indicated in the house financing agreement,
  • Combining under a single mortgage, if more than one Mortgage is taken, by showing the same house as collateral,
  • A change in the housing finance institution,
  • Changes to be made with the agreement of both the housing finance institution and the consumer due to changes made in the currency indicated in the housing finance agreement.

What happens if the housing finance loan installments are not settled?

If the borrower fails to settle an installment, the housing finance institution will notify him by registered mail within 5 business days. In case of repay failure, the housing financial institution reserves the right to demand the settlement of the whole remaining debt. However, recalling the whole debt within the scope of the housing finance loan is only possible when at least two successive installments have not been settled.

How to Apply?

If you wish to apply for a Housing Loan, visit our branch and bring along the following documents:

  • Proof of identity (Passport , ID Card or Driving License – TR citizenship number must be written on the card)
  • Utility bill for the last three months (natural gas, electricity, phone or water) in the applicant's name
  • Income Statement
    • Self-Employed Persons or Tradesmen:
      • Last year's Tax Registration, Balance Sheet and Income Statement/Business Account Statement
      • Trade Registry Gazette/Chamber Registry Document
    • Company Shareholders:
      • Last year's Tax Registration, Audited Balance Sheet and Income Statements/Business Account Statement of the last year
      • Trade Registry Gazette/Chamber Registry Document
    • Salaried Employees: Payroll or salary certificate and company's signature circulars
    • Retirees: Retirement salary document or letter including information on the bank account into which the retirement salary is being deposited
    • Declarers of Real Estate Income: Title deed and relevant lease contract
    • Movable Income Earners: Account book showing interest yield
  • Copy of the title deed of the house to be purchased
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Features

  • The branch will start the loan evaluation process once they receive your loan application
  • Our expert sales representatives will help you choose the payment plan that suits your budget best
  • Once your loan has been approved, kindly read carefully your Mortgage's contract details
  • According to the regulations, you can use the Mortgage to finance up to 80% of the total appraised value of your house
  • This loan is extended to adults above 18 who can submit a proof of income
  • The house object of the loan is used as collateral
  • The customer needs Home Insurance and Mandatory Earthquake Insurance (DASK).