Loans

• Photocopy of identity card
• Certificate of residency, or one of the electricity, water, natural gas or home telephone phone bills (issued within the last 3 months)

In addition to these documents, the documents below are also required based on the form of employment.

Salaried employees:

• Photocopy of the payroll slip for the last month or salary letter.
• Signatory circular of the company employed for, if a salary letter is submitted

Retirees:

• Identification document issued by the relevant social security institution
• Photocopy of bank passbook documenting income

Natural entity merchants without a legal entity and self-employed persons:

• Photocopy of the tax registration certificate for the last year
• Photocopy of membership document obtained from the professional association, if any
• Account status for the last year certified by the tax office and business account statement
• Tax registration certificate of the company partner

Farmers:

• Farming document

No, you can apply for a general purpose loan through ATM's even if you are not an ING Bank customer.

Even if you don't have your ING Debit Card or Credit Card with you, you can apply for a general purpose loan 24 hours day, 7 days a week by only pressing the ENTER key.

All you have to do is to enter the information below on the Cardless Transactions Menu that appears on the screen upon pressing the ENTER key.

• Your TC identification number
• Your mobile phone number
• Your monthly net income information

You will be immediately informed of the result of your loan application with an SMS sent to your mobile phone. You can take out your approved general purpose loan from any ING Bank branch you want.

You can only apply for our general purpose loan product in campaign. To apply for our other loan products.

• Photocopy of identity card
• Certificate of residency, or one of the electricity, water, natural gas or home telephone phone bills (issued within the last 3 months)

In addition to these documents, the documents below are also required based on the form of employment.

Salaried employees:

• Photocopy of the payroll slip for the last month or salary letter.
• Signatory circular of the company employed for, if a salary letter is submitted

Retirees:

• Identification document issued by the relevant social security institution
• Photocopy of bank passbook documenting income

Natural entity merchants without a legal entity and self-employed persons:

• Photocopy of the tax registration certificate for the last year
• Photocopy of membership document obtained from the professional association, if any
• Account status for the last year certified by the tax office and business account statement
• Tax registration certificate of the company partner

Farmers:

• Farming document

No-pledge* car loans up to 10.000 TL are waiting for you at our Branches and participating authorized automotive dealers are waiting for you...

*Our Bank reserves the right of pledge when deemed necessary.

Documents required from natural entities:

• Photocopy of identity card
• Certificate of residency, or one of the electricity, water, natural gas or home telephone phone bills (issued within the last 3 months)

In addition to these documents, the documents below are also required based on the form of employment.

Salaried employees:

• Photocopy of the payroll slip for the last month or salary letter.
• Signatory circular of the company employed for, if a salary letter is submitted

Self-employed persons:

• Photocopy of the tax registration certificate for the last year
• Photocopy of membership document obtained from the professional association, if any
• Account status for the last year certified by the tax office and business account statement

Retirees:

• Identification document issued by the relevant social security institution
• Photocopy of bank passbook documenting income

Farmers:

• Farming document

Documents required from legal entities:

• Notary certified signatory circular (for the last year)
• Balance sheets and income statements (for the last 3 years) obtained in accordance with the “Regulation on Loan Transactions of Banks” and trial balance for the last month.
• Photocopy of the tax registration certificate (for the last year)
• Attendance sheet for the latest general assembly meeting of joint stock companies, if any

Trade Registry Gazettes containing the capital partnership structure and the articles of incorporation.

The total interest amount accrued for the amount you have used throughout one month is reflected on your account once a month. You don't have to perform any additional transactions.

You must regularly pay the interest amount reflected on your account. In the case that the interest amount is not paid regularly, your Overdraft Account becomes overdue. Once a year, the loan amount you have used through your Overdraft Account must be paid in full, and your Overdraft Account must maintain a positive balance for at least one day.

To find out our interest rates, click here.

You can apply for Overdraft Account through the Online Banking Applications menu, Overdraft Account application/limit increase step or our ATM's.

If you are not a customer of our bank, you can make your application through our nearest branch.

For salaried employees;

• Photocopy of Identity Card
• Address Document*
• Income document when deemed necessary (current payroll slip)

*As the address document, you can submit a certificate of residence with photo, or natural gas, home telephone (except mobile phone bill), water or electricity bill, issued within the last 3 months.

For company owners or partners who are not legal entities;

• Photocopy of Identity Card
• Address Document*
• Photocopy of Tax Certificate (which includes the tax assessment of the recent year)

*As the address document, you can submit a certificate of residence with photo, or natural gas, home telephone (except mobile phone bill), water or electricity bill, issued within the last 3 months.

For company owners who are legal entities;

• Photocopy of Identity Card
• Address Document*
• Photocopy of Tax Certificate (which includes the tax assessment of the recent year)
• Identity card of the other majority partner
• Trade Registry Gazette which includes the establishment of the company
• Notarized signatory circular for the recent year

*As the address document, you can submit a certificate of residence with photo, or natural gas, home telephone (except mobile phone bill), water or electricity bill, issued within the last 3 months.

When the Overdraft Account Statement is sent to your address by regular mail, you will be charged a monthly fee of 3.99 TL. If you wish, you can request your free e-statement through the Online Banking Security-PIN Transactions menu, Contact Preferences step.

If you are a customer of our bank, you can apply for an Overdraft Account through 0850 222 0 600 Telephone Banking. When you log in with your Telephone Banking user code and PIN, our customer representative will inform you about your account details.

You can track the details and activities of your Overdraft Account through Online Banking Accounts menu, My Accounts step.

Our individual customers can apply for an Overdraft Account through the Online Banking Applications menu, Overdraft Account step, Application/Limit Increase option.

To increase your Overdraft Account limit, you can submit your application through the Online Banking Applications menu, Overdraft Account/Limit Increase step.

You can also submit your limit increase request through our ATM's and our nearest branch.

To take advantage of KOSGEB's SME Support Programs and to grow your company at suitable costs, you must become a member in the KOSGEB Database and your KOSGEB SME Declarations must be up-to-date.

Creating a new entry in the KOSGEB Database

To register your company in the KOSGEB Database, follow the transaction steps explained in detail in the 'How to register in the database' menu on kosgeb.gov.tr.

After completing the registration steps, you must fill out a 'SME Declaration'. To fill out the declaration, you can get help from the 'How to fill out a SME Declaration' menu available on kosgeb.gov.tr. The declaration's compliance with the legislation will be checked by a KOSGEB official.

You can sign and submit the printouts to KOSGEB Service Centers and complete your transactions.

Information Update for KOSGEB Members

To update your SME Declaration, you can follow the steps in the 'How to fill out a SME Declaration' menu available on kosgeb.gov.tr. If you are not sure whether or not your declaration is up-to-date, you can query the status of your company by clicking the 'Company Status Query' link on kosgeb.gov.tr and using the tax identification number of your company.

Letter of Reference are documents issued upon the request of our customers mainly operating in the construction and contracting sectors, who have been granted a credit line. Based on your request, they can be issued in TL or foreign currency.

Letters of guarantee are documents issued to public establishments and organizations, and other legal entities, undertaking that an undertaking will be fulfilled within a specified period and in accordance with the specified conditions, and that if the undertaking is not fulfilled, the amount that must be paid by the undertaking party will be paid by the bank.