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For those who don't want their monthly installments to change so that they know how much they will pay each month...
With the Fixed Rate Mortgage, the amount of your installments never changes, it always stays the same. You just say the term you want, and easily own the your dream house with suitable interest rates.
Rates
*Monthly and Annual Cost Rates for the Fixed Rate Mortgage are calculated for a loan of TL 80,000. The insurance fees are not included in the calculation.
For those who want to pay higher monthly installments for their mortgage at the start and then lower in the following periods...
If you want to pay less in the following months by paying higher installments at the beginning, the Shrinking Payment Mortgage is just the thing for you!
With the Shrinking Payment Mortgage, you can lower the interest burden of your loan by up to 40%.
For those who want to reduce the sum of their installments by paying more at certain months.
If you are receiving bonus payments or additional income at certain periods, then the Interim Payment Mortgage is just the thing for you! With Interim Payment Mortgage, you can make interim payments at intervals that you predetermine and reduce your monthly installments in the remaining period.
For those who want to determine how much and when they will repay according to their budgets.
If your income varies depending on the times of the year or you want to make interim payments at an amount that you determine at certain periods throughout the mortgage term, then the Personalized Payment Mortgage is just the thing for you!
For those who want to start with lower installment payments and gradually increase at a certain rate every year.
If you want to pay lower installments at the earlier stages and gradually increase them in the following months, you can use the Graduated Mortgage.
I expect interest rates to fall, so I want my loan interest rate to be updated regularly throughout the term. Even if there are occasional interest rate fluctuations, it won't bother me.
If you expect interest rates to fall in the coming period and want your loan installments to change accordingly, Variable Rate Mortgage is for you!
With the Variable Rate Mortgage, your loan interest rate is automatically updated every 1, 3, 6 or 12 months, depending on your preference, according to the Bank's current Variable Rate Mortgage interest rate, which is calculated based on the annual percentage change rate of the CPI (Consumer Price Index) announced by TÜİK in the month preceding the current month.
For those who want to pay equal installments for the first few years and prefer their installments to change depending on the applicable interest rates in the following periods.
If you want to utilize a fixed rate loan for a certain period and then benefit from the potential interest rate changes in the following period, then Fixed + Variable Rate Mortgage is just the thing for you!
With Fixed + Variable Rate Mortgage, you can use your loan at a fixed rate for a period that you can determine up to 5 years. In the following period, your loan interest rate is updated periodically (monthly or every 3 months, 6 months or 12 months) according to the Bank's prevailing Variable Interest Rate Mortgage interest rate calculated based on the annual percentage change of CPI (Consumer Price Index) announced by the Turkish Statistical Institute in the month before the current one.
For those who want to use a house they own as collateral and take out a larger, longer-term loan with suitable interest rates just like a mortgage.
Home Equity Loan
Home Equity Loan lets you utilize a long-term large loan with suitable interest rate for any of your expenses if you use a house you own and reside in as collateral!
Home Equity Line of Credit
If you would like to borrow credit for your needs against the house you own by pledging it as collateral and want to use your total credit limit in parts as you need at any time, then Home Equity Line of Credit is just the thing for you!
Automatic Home Equity Line of Credit
If you already have a mortgage with Garanti BBVA and want also want to take out a high-limit, longer-term loan with suitable interest rates for your other needs, you can use the Automatic Home Equity Line of Credit.
Thanks to the mortgage you have already utilized, you will be able to automatically use credit at an amount and time you need within your line of credit.
*Home Equity Line of Credit and Automatic Home Equity Line of Credit cannot be utilized at the same time.
Faizler
If you want to buy a new workplace or make improvements in your current workplace, then a commercial mortgage is just the thing for you!
If you want to buy a new workplace or make improvements in your current workplace, then a commercial mortgage is just the thing for you! What's more, you can choose to rent the workplace you will buy and benefit from it as an investment or use it as your workplace.
Together with suitable interest rates and maturity options accompanying the commercial mortgage product, Garanti BBVA presents different advantages according to your intended purpose.
Commercial Owner-Occupied Mortgage
Commercial Investment Mortgage:
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