What are the individual loan types?

 For which needs do banks provide cash support through loans? 

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We steal the doors of banks when we need money for a lot of situations, from expenses such as weddings, holidays to houses and cars. The individual loans offered to us by the banks vary in line with our needs. Consumer loans , mortgage loans or vehicle loans , which are known as general purpose loans , support us in case of lack of cash.

Here is detailed information about individual loans İşte

Personal finance credit:

In order to meet short-term needs, we can use it on our behalf as a mortgage or unencumbered. There are types of changes in the payment schedules of the loan for different purposes.

Wedding Loan

Marriage offerings and banks are offering wedding loans especially for increasing demands in wedding seasons to meet the expenses needed to set up a new home. In fact, some banks come up with options to postpone the installment in order to make the first months of marriage easier.

Holiday Credit

It is generally preferred during long holiday periods, especially during the summer months. The suspension and long-term options make holiday loans attractive.

Holiday Credit

Depending on the increased need for cash during the holiday, the banks are offering special loans for this period, ideal for those who want to go on holiday holidays and for those who want to meet the holiday expenses.

Goods Credit

The goods loan, which is offered to support shopping such as white goods, furniture and technological products, is generally low and short term, so file costs cannot be collected.

Education Loan

The long-term and low-monthly education credit is mostly used to cover the costs of the institutions providing paid education.

Health Credits

Banks are called loans for private health expenditures, which may differ depending on the agreements between health institutions.

Debt Transfer Loan

Credit and credit card debts can be configured with the need to configure credit. At the same time to collect all the debt of those who have more than one debt under a single bank to pay the debt in the long term.

Mortgage Loan

The interest rate of the mortgage loan, which we can use by showing mortgages on our behalf, is more appropriate than the consumer loans, although it is secured but is still limited to 48 months. The maximum amount of the loan can be 50% of the determined value of the dwelling. In terms of being exempted from the Bank Insurance Transaction Tax, the cost is more appropriate and the mortgage is removed with the payment of the debt.

How to apply for a consumer loan?We want to apply for a consumer loan, but if you don't know how to make a loan, we've described the steps you should take.

 Housing Loan

In our desire to buy a house, when we give a fifth of the value of the house as a down payment, it is called the loan that we can get if we can mortgage the rest to cover the credit risk of the bank.  You can find detailed information about housing loan from this article.

Transport Credit

Whether we want to take a 0 km or a second hand vehicle, the amount of the vehicle loan that we can get on condition that the vehicle is mortgaged as a collateral, 70% of the vehicle price in vehicles with a vehicle cost up to 50.000 TL, 50% of the vehicle price 50.000 TL above the cost of the vehicle. limited to.