Property Loan

İktisatbank Mortgage

With İktisatbank Mortgage plans you get the keys to open the door of your dream…
Just choose a preferred İktisatbank Mortgage Plan to suit your needs and become an owner of a property for the same monthly instalment as paying rent.

With an İktisatbank mortgage you can easily plan your budget. Your payment plan remains the same until the end of the term, fluctuations in the market interest rates do not affect the payment plan, even if your income only increases year after year in line with inflation your repayments decrease in relation to your income.

Visit your nearest branch to discuss your needs with our professional Customer Service Team, or visit our website iktisatbank.com. Our multicultural foreign language speaking Team of Representatives is available to reach via our Telephone Banking on 0392 444 4 444. Alternatively leave a message to our team with details of when it is convenient to call you and will get back to you.

Smart Mortgage Package

Set up your own interest rate, pay partial amount towards interest payment upfront and reduce your further monthly payments.

What are the features and the benefits?

  • Prepaid interest, between 1% and 5% of the mortgage amount
  • Variable interest rate dependent on the amount of prepaid interest
  • You decide on the interest rate
  • Interest rate is being fixed for the term of the mortgage
  • Monthly repayments remain the same

Delayed Capital Repayment

At the set up of the mortgage delay start of the repayment for 3 months or for mortgages of over 12 months you can delay 1 monthly repayment each year.

What are the features and the benefits?

  • Fixed interest rate
  • Payment plan is amended so that the delayed instalment payment is spread equally across the remaining instalments
  • Delayed repayment is to customer’s decision
  • Don’t wait for your income to increase to buy a house, take advantage of the opportunities you have today
  • Use an option for an urgent and unexpected bill payment

Mortgage Transfer

With more interest rates available from us why not transfer your existing mortgage.

What are the features and the benefits?

  • Fixed interest rate throughout the mortgage period
  • More favorable interest rates than those that were applicable when you first took out the mortgage.

All Inclusive Mortgage

Earn 5% discount on all bank charges when you take out the mortgage.

What are the features and the benefits?

  • Fixed interest rate
  • Iktisat Home Insurance must be taken when the mortgage is issued
  • Low fee overdraft facility available for up to the same value as the mortgage.

Flexible Repayment Mortgage

Option to reduce your instalments on a flexible mortgage payment scheme; any payment over and above the instalment payment made will be deducted from the capital amount borrowed.
So if you have an additional income or commission/bonuses payable on an ad-hoc basis every 3 or 6 months you can pay this onto your mortgage and take an advantage of lower interest payment.
In addition to all that it is commission free!

What are the features and the benefits?

  • Fixed interest rate
  • 3 months after the start of the mortgage payments, make 2 extra payments per year
  • No commission on extra payments
  • By making additional instalment payments, you can lower your instalment amount, therefore reducing the amount of interest you pay.

Increase repayments and reduce the term of the Mortgage: Don’t wait to have a large income before you buy a house! Increase your payments as your income increases, with this option you can finish paying off your mortgage early.

What are the features and the benefits?

  • Fixed interest rate
  • Increased payments towards the end of the term
  • Customer defines when and by how much the increase will be
  • Without waiting for your income to increase you can take advantage of what you have available.
Mortgages available to all private customers for properties with Turkish Title or Exchange Title deeds. Mortgages are available in Turkish Lira or Currency. Applications to be made at İktisatbank branches or by completing our online Mortgage application form.


For more information about this loan, please call our Telephone Banking service on 444 4 444 or visit your nearest branch.