Housing finance can be provided to anyone who wants to own a home. is a participation bank. Therefore, financing is provided in accordance with participation banking. In addition, profit rate, not interest, is applied for these financing. The home loan profit rate is 1.47%. Banks can be visited to apply for this financing. It is also possible to apply for a loan through ATMs. You can do it from our home loan calculation site.
To What Percentage of Home Value Loans?
The amount of housing finance can increase up to 90% of the housing value. determines the amount of financing provided by the housing class. Financing is provided up to 90% of the appraisal value of the houses whose residential energy performance is A class. If the energy performance of a house is class B, 85% of its value is financed. Up to 80% of other energy class houses can be financed. For this, first of all, the appraisal value of the house must be calculated. Those who will receive housing finance must first agree with the expertise and request financing according to the report prepared by this expertise. On our site, you can perform the calculation of home loan in the amount you want.
What are the Documents Required for Home Financing?
Among home finance application documents, there is a report showing the appraisal value. This report is very important since financing will be provided according to the appraisal value. In addition, other documents requested by the bank for home loan are as follows:
- Identity card or passport,
- Document showing income according to working status,
- Invoice requiring residence or subscription for the last 3 months,
- Other documents to be requested at the bank.
In addition, the bank may request a surety in some cases. Persons who are required to show guarantors must also deliver the guarantor documents to the bank. In addition, the bank requests that the house to be purchased be mortgaged.
What is the Home Loan Maturity Number?
home loan maturity number can be up to 120. People who apply for housing finance can also benefit from 120-month maturity. Those who want to calculate monthly installments before applying for this housing financing can access the website of. People who open the housing finance page from the website can find the calculation tool on the right side of the screen. Calculation can be made easily by typing the amount of credit and the maturity number of the loan to be drawn into this field.