Deferred Loan

    Get your loan now for your cash needs, start paying 3 months later!

  • Deferred Payment Opportunity 
  • Budget-Friendly Payment Options 
  • Quick Approval Process 

3-Month Deferred Loan from Alternatif Bank!

Our customers who choose Alternatif Bank for their cash needs take out their loans right away and start paying 3 months later!

How To Apply For A Deferred Loan?

You can complete your Alternatif Bank Deferred Loan application in 4 simple steps.

  • 1

    Apply for a loan.

  • 2

    Learn your credit decision.

  • 3

    Decide on the repayment schedule that best suits you.

  • 4

    Your loan will be deposited to your account right away.

Deferred Loan Features

Take out your loan with affordable repayment options without pushing your budget!

Maturity

You can borrow your loan with term options starting from 3 months up to 60 months. 

Collateral     

No collateral is required for Deferred Loan.

(As per credit assessment, Alternatif Bank reserves the right to request a guarantor.) 

Tax and Funds 

15% RUSF and 5% BITT charges apply. 


Insurance   

Life Insurance will be initiated by your branch simultaneously with your loan. Life Insurance may vary depending on age, gender and amount of loan. 

Currency 

 The loan can be borrowed in Turkish Lira only.  

 

 Below you may find the documents required for application:

  • Identity Card or TR Identity Card
  • Certificate of Residence or A Bill Registered in the Name 
  • Income Certificate

1. Payroll or income letter for salaried employees 

Current payroll, SSI service document or SSI registration number, employer registration number, net monthly pay and income letter including earnings attachment/deduction document and authorised signatory list.

2. For pensioners:

Pensioner ID Card or Monthly Pension Allowance Document/Pension Passbook

3. For self-employed :

The company’s current tax sheet and annual income tax/current business account statement

4. For partnerships:

The company’s current tax sheet and annual corporate tax return

5. For rental income earners::

The title deed of rental property, rental contract or document of rental collection



Frequently Asked Questions About Deferred Loan

Here you may find frequently asked questions about Deferred Loan.

Who can apply for a Deferred Loan?

All customers residing in Turkey over 18 years of age and with regular income are eligible to apply for a Deferred Loan.

Which documents do I need for my application?

Documents required for application include identity card or TR Identity Card, certificate of residence and income certificate. Below you may find the documents which will be required depending on your income status:

1. Payroll or income letter for salaried employees

Current payroll, SSI service document or SSI registration number, employer registration number, net monthly pay and income letter including earnings attachment/deduction document and authorised signatory list.

2. For pensioners:

Pensioner ID Card or Monthly Pension Allowance Document/Pension Passbook

3. For sole proprietorships:

The company’s current tax sheet and annual income tax return/current business account statement

4. For partnerships:

The company’s current tax sheet and annual corporate tax return 5. For rental income earners: The title deed of rental property, rental contract or document of rental collection

Other Loans

There is an Alternatif Bank loan for every need!

Home Equity Loan

Home Equity Loan from Alternatif Bank for your large cash needs!

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