Mortgage Housing Loan

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You may consult with our mortgage specialists for the housing loan that is most favorable for you, as based on the payment options thereto.

“If you say, "I have a fixed income, and I want to have my interest rate also fixed, and I want to known in advance how much I will pay", then, ING Housing Loan offers you the option to have the equal installments, and

If you say, "I want to create the repayment schedule as I wish", then ING Housing Loan offers you the option to have the equal principal payment, and

If you say, "I want to make interim payments, no matter the installment increases or decreases, by time", then ING Housing Loan offers you the option to have the interim payments!

You may complete the make an appointment form, or visit our nearest branch for obtaining detailed information about the Housing Loan, and submitting your application.
*Such interest rate is the interest rate provided with insurance.

e-Loan Cost Table

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 5.000	36	1.59%	19,08%	TRY 25	TRY 193.28	1.9406%	25.9407%

**Any customer, who has a KKB (Credit Bureau) score of 1850 and above, will benefit from the interest rate of 1.54% for any maturity period in any proposal provided with insurance.

** Our loan campaign will have a monthly contractual interest rate between 1.48% and 2.59%, and such interest rate will vary depending on the payment performance of our customers. Example For Calculation: In respect of a loan, amounting to TRY 15.000.-, and with a maturity period of 36 months: Interest Rate:1.54%, Total Annual Cost Rate will be 25.0520%. Total Amount Payable including the loan allocation fee, excluding the insurance cost: TRY 20.672,04

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 15.000	36	1.59%	19,08%	TRY 75	TRY 579.83	1.9406%	25.9407%

Loan Amount	Loan Maturity Period (Months)	Monthly Interest Rate	Annual Interest Rate	Loan Allocation Fee**	Monthly Installment Amount	Total Monthly Cost Rate	Total Annual Cost Rate
TRY 10.000	36	1.48%	17,76%	TRY 50	TRY 378.35	1.8083%	23.9931%

*** Our loan campaign will have a monthly contractual interest rate between 1.48% and 2.59%.

****The example given above was drawn up by including all taxes and costs for the maturity period and the loan amount. Insurance cost was not included in the Total Monthly Cost Rate and the Total Annual Cost Rate. Loan allocation fee will be 0.5% of the loan amount, and a banking and insurance transactions tax (BITT) of 5% will be charged on the basis of the loan allocation fee.

*****ING shall be entitled to amend and/or modify the campaign terms and conditions, and to ask for any guarantor and income certificate, if and when so required, and also to reject to approval any loan application that is deemed unfavorable.

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