Flexible Loans

İktisatbank offers the Loan for Bankers, featuring attractive terms and convenient repayment options exclusively for fellow banking professionals working in North Cyprus.

• Who Can Apply: Banking professionals working in North Cyprus.
• Loan Amount: As much as you need.
• Repayment Options: Monthly.

İktisatbank offers the Flexible Loan for Doctors and Dentists exclusively to all doctors and dentists who are self-employed or work in the public sector.

• Who Can Apply: Self-employed doctors and dentists or those working in the public sector in North Cyprus.
• Term: Up to 60 months.
• Flexibility: You may defer payments for any time of your choice each year and make larger payments annually to reduce your remaining instalment rate or period.

İktisatbank offers the Personal Loan for Lawyers and Their Employees exclusively to lawyers registered with the Cyprus Turkish Bar Association and their officially employed staff.

• Who Can Apply: Lawyers registered with the Cyprus Turkish Bar Association and their office staff.
• Term: Up to 60 months.
• Advantage: Low interest rates and a long repayment term.

İktisatbank offers the Loan for Teachers to all teaching staff working at primary and secondary schools or universities in North Cyprus, whether in public or private education.

• Who Can Apply: All teaching staff working at public or private educational institutions in North Cyprus.
• Advantage: Low interest rates and convenient repayment options.

İktisatbank offers the Special Personal Loan for Civil Servants and Pensioners for all your needs, from furniture and household appliances to holidays and education.

• Who Can Apply: Civil servants and pensioners in North Cyprus.
• Purpose: Any personal need you may have.
• Advantage: Low interest rates and a long repayment term.

İktisatbank offers the Education Loan to finance tuition fees for you or your family.

• Purpose: Tuition fees for college, university, master's or doctoral studies in North Cyprus or abroad.
• Term: Up to 24 months.
• Repayment Option: Quarterly repayments.
• Interest: At some of the most advantageous interest rates in North Cyprus.

İktisatbank offers the property-secured Individual Financing Loan for decoration, renovation, replacement of household items or unexpected expenses.

• Purpose: A wide range of unexpected expenses, including decoration, renovation and replacement of household items.
• Loan Amount: Up to 75% of the appraised value of your property.
• First Repayment: Take out the loan now and start repaying it three months later.

İktisatbank offers the Land Loan to help you purchase the plot of land you have dreamed of or plan to buy as an investment.

• Purpose: Purchase of land within North Cyprus.
• Loan Amount: Up to 75% of the appraised value of the land.
• Currency: TL or foreign currency, repaid in equal instalments.
• Flexibility: The option to defer instalments for three months or skip instalments in the months you choose.

İktisatbank offers the Personal Eco Loan exclusively for your energy-efficiency investments.

• Purpose: Thermal, sound and water insulation; solar panels; fuel-saving systems; gas conversion; combi boiler purchases; roof insulation; exterior insulation; and window replacement.
• Benefit: Contribute to the efficient use of natural resources by reducing energy consumption.

• Through Internet Banking or Mobile Banking,
• Through ATM Banking at ATMs located throughout North Cyprus,
• By visiting your nearest İktisatbank branch.

You can use any of these channels to make your loan repayment.

Customers who want their instalments to be paid automatically on the due date can set up a direct debit instruction from their account at a branch.