General Purpose Loans

Do not postpone your personal needs. If you're planning a large expense -- on home improvement, a major appliance, even a vacation or wedding -- consider General Purpose Loan for convenient monthly installments.

Maximum repayment period on YTL / FX loans (USD / EUR) is 36 months.
You can determine your own repayment schedule.
You can benefit from convenient interest rates.
You will be answered within 1 working day.

Documents required for you and your guarantor
- Consumer Loan Application Form
- Copy of Identity Card
- Work Permit and Residence Permit
- Tax return; Balance Sheet and Income Statement of the last three years for self-employed persons
- Income statement for salary earners

To get more information about General Purpose Loans and application process, please visit Garanti Branches.

Garanti Consumer Loans are available only to residents of Turkey. Foreign nationals living in Turkey may apply for Consumer Loans by submitting their residence permit and tax identification number along with the other required application documents. Consumer Loan term will be limited to the duration of the residence permit.

Auto Loans

You can get your favorite car in a day with Garanti Auto Loan.

Maximum repayment period on YTL / FX loans (USD / EUR) is 60 months.
You can determine your own repayment schedule.
You will be answered within 1 working day.
For "0" km auto loan applications, the loan amount should not exceed 80% of the car's VAT and SCT (Special Consumption Tax) added value.
New cars and secondhand cars not more than three years old cars are eligible.
The loan amount should not exceed 60% of the second-hand car value
For new cars, the car is pledged as collateral. For second hand cars, a guarantor is required in addition to pledging the car as collateral.

Documents required
- Consumer Loan Application Form
- Copy of Identity Card
- Work Permit and Residence Permit
- Tax return, Balance Sheet and Income Statement of the last three years for self-employed persons
- Income statement for salary earners
- Proforma invoice of the car

To get more information about Garanti Auto Loans and application process, please visit Garanti Branches.

Garanti Auto Loans are available only to residents of Turkey. Foreign nationals living in Turkey may apply for Auto Loans by submitting their residence permit and tax identification number along with the other required application documents. Auto Loan term will be limited to the duration of the residence permit.
The pledge of the tax free car is not acceptable to the Bank as a security of Auto Loans.

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Mortgage

If you get tired of paying rent every month, apply for Garanti Mortgage to buy your own residence.

Feautures:

Maximum repayment period up to 240 months for both YTL and FX loans.
Origination available in New Turkish Lira (YTL), Euro, US Dollar, GP Sterling and Swiss Frank
Appraisal report of 500 YTL and processing fee of 1.000 YTL
Additional 1 % commission calculated from the total amount of Mortgage disbursed.
You can determine your own repayment schedule.
You can benefit from convenient interest rates.
The loan amount should not exceed 65% of the property's value as assessed by a Bank-nominated expert (Maximum loan-to-value (LTV) ratio of 65 % of the appraised value)
A guarantor may be requested depending on the loan assessment.
Life insurance, personal house insurance and Natural Disaster Insurance Authority (DASK) will be requested

Documents Required for Mortgage Application:

Tax ID Number provided from the tax office (aka TCVKN)
Appraisal report of the property
Non- Resident application form (provided by the branch)
Sample copy of the passport or the original copy of official residence letter
Credit Bureau record from applicant's home country
Utility, cable or telecommunication bill noting the address of the customer
Security check obtained from military authorities in Turkey
Previous three month's bank account / credit card / overdraft statements

(*) The Mortgage conditions can be changed by GarantiBank, depending on economical conditions and bank policies.

To get more information about Garanti Mortgage and application process, please visit Garanti Branches.

Foreign nationals living in Turkey may apply for Mortgage by submitting their residence permit and tax identification number along with the other required application documents. Mortgage term will be limited to the duration of the residence permit. Non-Residents can apply for Garanti Bank Non-Resident Mortgage. To get more information about Non-Resident Mortgage, please visit Garanti Branches.

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