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Our
approach to customer focused banking concentrates on reliability
and quality and with that in mind our objective is to
establish long-term relationships with our retail banking
customers. As in all our other banking products and services,
all the ethical principles of banking, but especially
honesty and trustworthiness, are regarded as our most
important guides.
Our retail banking products and services include personal
loans, credit cards, debit cards, cash management, and
insurance. With 48 branches, more than 2,000 Joint-Point
ATMs located all over Turkey, and our internet branch,
Eurobank Tekfen stands by you as your closest friend in retail
banking.
Loans
Consumer Loans
Consumer loans are designed to finance all your personal
needs. Available only in Turkish liras, they have fixed
interest rates and are paid off in equal monthly installments.
When applying for a consumer loan the following documents
are required:
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Identification: Identity
card, driver's license, or passport |
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Statement of residence or a recently
paid utility bill (telephone, electricity, water,
etc) issued in your name |
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Evidence of income (in the case of salaried employees,
a recent payroll statement) |
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Evidence of tax registration. |
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If the Bank requires a
cosigner for the loan, the same documents will be required
of him.
A standard personal loan agreement will be signed and
a life insurance policy will be taken out in the borrower's
name.
Home Loans
Home loans are designed to finance the purchase of a home
by individuals. Available only in Turkish liras, they
have fixed interest rates and are paid off in equal monthly
installments. When applying for a home loan the following
documents are required:
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Identification: Identity
card, driver's license, or passport |
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Statement of residence or a recently
paid utility bill (telephone, electricity, water,
etc) issued in your name |
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Evidence of income (in the case of salaried employees,
a recent payroll statement) |
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Evidence of tax registration. |
Bankaca kefalet talep edilmesi durumunda, yukarıda sayılan
belgeler kefil için de ayrıca istenecektir. Satın alınacak
konutun;
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A certificate of condominium
ownership has been obtained from the deed registry
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A condominium easement has been
established and a municipal occupancy license has
been obtained |
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A condominium easement has been established and
the dwelling has been constructed as specified in
its building license and is ready for occupancy.
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The dwelling that is to be purchased will be appraised.
Up to 50% of the value specified in the appraiser's report
can be extended as a loan.
A standard personal loan agreement will be signed, a mortgage
will be established over the property whose purchase is
to be financed, and a life insurance policy will be taken
out in the borrower's name with the Bank as beneficiary.
Automobile Loans
Automobile loans are designed to finance your purchase
of an automobile. Available only in Turkish liras, they
have fixed interest rates and are paid off in equal monthly
installments.
If the vehicle to be purchased is brand-new, up to 75%
of the turnkey delivery price shown in the pro forma invoice
can be extended as a loan. If the vehicle is pre-owned,
up to 60% of the collision insurance value can be extended
as a loan.
When applying for an automobile loan the following documents
are required:
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Identification: Identity
card, driver's license, or passport· Statement
of residence or a recently paid utility bill (telephone,
electricity, water, etc) issued in your name |
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Evidence of income (in the case
of salaried employees, a recent payroll statement)
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Evidence of tax registration. |
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If the vehicle to be purchased is brand-new, a pro forma
invoice will be required. If it is pre-owned, the original
or photocopy of its traffic registration (license) will
be required.
If the Bank requires a cosigner for the loan, the same
documents will be required of him.
A standard personal loan agreement will be signed. A pledge
in the Bank's favor will be established over the vehicle,
which will also be covered by collision insurance with
the Bank as beneficiary.
Shopping Loans
Shopping loans are designed to finance your personal
purchases of goods and services. Available only in Turkish
liras and extended against presentation of the invoice
for the good or service, they have fixed interest rates
and are paid off in equal monthly installments. The advantage
of a shopping loan over a consumer loan is that the interest
rates are lower.
When applying for a shopping loan the following documents
are required in addition to the original of the invoice:
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Identification: Identity
card, driver's license, or passport |
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Statement of residence or a recently
paid utility bill (telephone, electricity, water,
etc) issued in your name |
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Evidence of income (in the case of salaried employees,
a recent payroll statement) |
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Evidence of tax registration. |
Financial Support Loans
Financial support loans are provided to customers
who are in urgent need of cash and don't want to sell
assets (such as a house or car) for less than they're
worth. These loans are available to retail banking customers
for up to TRY 20,000.
When applying for a financial support loan the following
documents are required:
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Identification: Identity
card, driver's license, or passport |
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Statement of residence or a recently
paid utility bill (telephone, electricity, water,
etc) issued in your name |
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Evidence of income (in the case of salaried employees,
a recent payroll statement) |
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Evidence of tax registration. |
If the Bank requires a cosigner for the loan, the same
documents will be required of him.
A standard personal loan agreement will be signed. In
addition, the loan must be guaranteed in either of the
following ways:
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A mortgage will be
established over a real estate property in the Bank's
favor. Up to 60% of the appraised value of the property
as specified in an appraiser's report may be extended
as a loan. |
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A pledge will be established over
a motor vehicle (which must not be more than three
years old) in the Bank's favor. Up to 60% of the
collision insurance value of the vehicle may be
extended as a loan. |
Overdraft Accounts
An overdraft account is a normal deposit account
with an overdraft protection facility that you can draw
against up to a specified credit limit to meet your urgent
needs for cash even if there is no money in the account.
When applying for an overdraft facility, the following
documents are required:
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Identification: Identity
card, driver's license, or passport |
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Statement of residence or a recently
paid utility bill (telephone, electricity, water,
etc) issued in your name |
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Evidence of income (in the case of salaried employees,
a recent payroll statement) |
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Evidence of tax registration. |
If the Bank requires a cosigner for the facility, the
same documents will be required of him.
A standard personal loan agreement will be signed and
a life insurance policy covering the borrower will be
taken out.
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