Non Resident Mortgage

Becoming a homeowner in Turkey is very easy with Alternatif Bank! 

  • Advantageous Interest Rate 1,15%
  • Convenient Payment Conditions


Non Resident Mortgage

If you are living abroad but also want to have a house in Turkey for residence or investment purposes, then take out a housing loan from Alternatif Bank with our advantageous interest rates and payment conditions, for you to enjoy your new home.

How to Apply for Housing Loan?

Abroad to become homeowners in Turkey with the Housing Loan is enough to built in four simple steps.

  • 1

    Apply for a loan

  • 2

    The value of the house which the loan will be taken out upon will be appraised by an expert

  • 3

    You will be informed when your application is approved

  • 4

    And your mortgage transactions for the land registry will begin

Features of the Non Resident Mortgage

With the collateral of a completed property, non-residents can use a loan limit of maximum 50% of the appraisal value of the house you plan to purchase.

  • The maximum term is 60 months and the utilization is in Turkish Lira.
  • Pursuant to Housing Finance Law, you are exempt from 15% RUSF and 5% BITT.
  • Life Insurance will be initiated with the amount of loan and maturity. Life Insurance may vary depending on age, gender and amount of loan.
  • In addition to the advantage of low interest rates,  non-residents can benefit from "early payment" and "interim payment" options.


Questions Regarding Non Resident Mortgage

What is a Mortgage for Non-Residents?

A Mortgage for Non-Residents is a type of loan that is extended by our bank in exchange for the mortgage of the house you want to buy. Once you decide on the house that you would like to buy in Turkey, you can start your loan process by completing the necessary paperwork and applying to our bank. If the process is finalized with a positive outcome, the value of the house you wish to buy will be appraised by experts. You can take out a housing loan for the amount of a maximum of 50% of the appraisal value of the house with a term of 3 to 60 months. You will need to make an advance payment for the remaining 50% of the house value.


How to apply for a Mortgage Loan for Non-Residents

You can get detailed information about Housing Loans and fill out an application form by visiting the nearest Alternatif Bank Branch.

What is the longest term option in Mortgage Loans for Non-Residents?

The longest term you can choose when taking out a Housing Loan is 60 months (5 years)

How much of the house value can I take out the loan?

You can take out a loan of up to 50% of the appraisal value of the house you will buy, which will be determined by the CMB (Capital Markets Board)-BRSA (Banking Regulation and Supervision Agency)-licensed appraisal companies that are contracted by our bank.

What documents will I need at the application stage?


Required Documents

  • Application form.
  • Passport.
  • Certificate of Residence or Utility bill for the last three months (natural gas, electricity, phone or water) in the applicant's name.
  • Photocopy of Deed for Mortgage.
  • Income Statement.
  • If married, spouse consent.
  • Deposit passbook showing the down payment (50% of the value of the property)
  • Additional documents or guarantees may be required according to loan terms & conditions.

Information Form for Non Resident Mortgage

Fill the form for detailed information about "Non residents Mortgage " and we will contact with you  

You should enter your name.
You should enter your surname.
You should enter your phone number.
You should enter loan amount.
Select Branch
Our Bank may contact you further regarding your completed form.
Confirm security.

İzinli Pazarlama

Bu metin Alternatifbank A.Ş. ("BANKAMIZ") olarak 6698 sayılı Kişisel Verilerin Korunması Kanunu ("KVKK")'nun 10 uncu maddesi uyarınca Veri Sorumlusu sıfatıyla kişisel verileri işlenen ilgili kişilerin bilgilendirilmesi yükümlülüğümüz kapsamında hazırlanmıştır.

Bankamızca kişisel verileriniz aşağıda açıklandığı çerçevede; kaydedilebilecek, saklanabilecek, güncellenebilecek, mevzuatın izin verdiği durumlarda üçüncü kişilere açıklanabilecek, devredilebilecek, sınıflandırılabilecek ve KVKK'da sayılan şekillerde işlenebilecektir.

Kişisel verilerin işlenme amaçları ve hukuki sebepleri; Kişisel verileriniz, 4358 sayılı Vergi Kimlik Numarası Kullanımının Yaygınlaştırılması Hakkında Kanun, 5411 sayılı Bankacılık Kanunu, 5549 sayılı Suç Gelirlerinin Aklanmasının Önlenmesi Hakkında Kanun, 5684 sayılı Sigortacılık Kanunu, 6102 sayılı Türk Ticaret Kanunu, 6362 sayılı Sermaye Piyasası Kanunu, bu kanunlara ilişkin yapılan alt düzenlemeler ile diğer kanunların Bankamızın faaliyetlerini ilgilendiren hükümleri kapsamında Bankamızın aracı ve acente sıfatıyla sunabilecekleri de dahil olmak üzere mevduat, kredi, havale işlemleri dahil her türlü bankacılık, sermaye piyasası, sigorta acentalığı ve diğer ürün ve hizmetlerinde kullanılmak; işlem sahibinin kimlik, adres ve diğer gerekli bilgilerini tespit etmek; elektronik (SWIFT, internet / mobil bankacılık vs.) veya kağıt ortamındaki işlemleri yerine getirebilmek; ilgili mevzuat, Bankacılık Düzenleme ve Denetleme Kurumu (BDDK), Gümrük ve Ticaret Bakanlığı, Türkiye Cumhuriyet Merkez Bankası, Türkiye Bankalar Birliği ve diğer yetkili mercilerce öngörülen bilgi saklama, raporlama, bilgilendirme yükümlülüklerine uymak; talep edilen / diğer Banka ürün ve hizmetlerini sunabilmek ve tarafı olunan sözleşmelerin kurulmasını ve ifasını yerine getirmek üzere işlenmektedir.

İzninizin olması durumunda, mevzuat kapsamında olan ve Bankamızla müşteri olma amacınız dışında kalan ürün ve hizmetlerimizin sunulmasında, tanıtımında kullanmak, şahsınıza özel ürün, hizmet ve teklif faaliyetlerini planlamak ve hayata geçirmek, ürün, hizmet çalışma modeli teklifleri geliştirmek, profilleme, segmentasyon, banka içi hedef yaratma, skorlama, risk analizi, müşteri ilişkileri yönetimi, Banka içi performans takibi ile analiz çalışmalarında kullanma, istatistik çalışmaları, pazar araştırması, müşteri memnuniyeti anketleri yürütmek amacıyla da kişisel verileriniz Bankamızca işlenecek ve kullanılabilecektir.

İşyerinde güvenlik uygulamaları ve Bankamızın meşru menfaatleri için şubelerimizde, elektronik veznelerde (ATM), bölge müdürlükleri, genel müdürlük ve Bankamızca kullanılan binalarda kamera görüntüleriniz kaydedilebilecektir.

Yukarıda belirtilen amaçlarla, kişisel verilerin aktarılabileceği kişi/kuruluşlar; Bankacılık Kanunu ve diğer mevzuat hükümlerinin izin verdiği kişi veya kuruluşlar; bunlarla sınırlı olmamak üzere 5411 sayılı Bankacılık Kanunu madde 73/4'te sayılan finansal kuruluşlar ile diğer üçüncü kişiler; BDDK, Sermaye Piyasası Kurulu, Mali Suçları Araştırma Kurulu (MASAK), T.C. Maliye Bakanlığı, TCMB gibi kamu tüzel kişileri; Bankamız ana hissedarı The Commercial Bank (P.S.Q.C.) ve iştiraklerimiz Alternatif Finansal Kiralama A.Ş. ve Alternatif Menkul Değerler A.Ş.'de dahil Bankamızın doğrudan / dolaylı yurt içi / yurt dışı iştirakleri; yurt içi ve yurt dışı para ve menkul kıymet transferi, menkul kıymet saklama taleplerinde ilgili transfere aracılık eden/ saklama hizmeti veren yurt içi ve yurt dışı bankalar ve takas kuruluşları, Türkiye Bankalar Birliği Risk Merkezi ile bankacılık faaliyetlerini yürütmek üzere hizmet aldığımız, işbirliği yaptığımız, program ortağı olduğumuz kuruluşlar, yurt içi / yurt dışı banka ve finansal kuruluşlar ile diğer üçüncü kişilerdir.

Kişisel verilerin toplanma yöntemi ve hukuki sebebi; Kişisel verileriniz, 5411 sayılı Bankacılık Kanunu ve yukarıda belirtilen diğer ilgili mevzuat gereğince onay ve/veya imzanızla düzenlenen bankacılık işlemlerine ilişkin tüm sözleşmeler/bilgilendirme formları ve sair belgelerle, elektronik onay ve/veya imzanız ile yapacağınız bildirimlerle, Genel Müdürlük, Şubelerimiz, ATM'ler, İnternet Bankacılığı, Çağrı Merkezi gibi kanallar aracılığıyla sözlü, yazılı veya elektronik ortamda olmak kaydıyla tamamen veya kısmen otomatik olan ya da herhangi bir veri kayıt sisteminin parçası olarak otomatik olmayan, yurt içi/yurt dışı iştiraklerimiz, işbirliği yaptığımız kurum ve kuruluşlar, resmi kurumlar, yurt içi/yurt dışı Bankalar ve diğer 3.kişiler de dahil olmak üzere Bankamız dışından da elde edilebilecek çeşitli yöntemlerle, Bankamızın yasal ve sözleşmesel yükümlülüklerini tam olarak ifa edilebilmesi amacı ile toplanmaktadır.

KVKK’nın 11. maddesi gereği müşteri olarak haklarınız; Bankamıza başvurarak, kişisel verilerinizin;

  • İşlenip işlenmediğini öğrenme,
  • İşlenmişse buna ilişkin bilgi talep etme,
  • İşlenme amacını ve amacına uygun kullanılıp kullanılmadığını öğrenme,
  • Yurt içinde veya yurt dışında aktarıldığı üçüncü kişileri bilme,
  • Eksik / yanlış işlenmişse düzeltilmesini isteme,
  • KVKK'nın 7. maddesinde öngörülen şartlar çerçevesinde silinmesini / yok edilmesini isteme,
  • Aktarıldığı üçüncü kişilere yukarıda sayılan (d) ve (e) bentleri uyarınca yapılan işlemlerin bildirilmesini isteme,
  • Münhasıran otomatik sistemler ile analiz edilmesi nedeniyle aleyhinize bir sonucun ortaya çıkmasına itiraz etme,
  • Kanuna aykırı olarak işlenmesi sebebiyle zarara uğramanız hâlinde zararın giderilmesini talep etmedir.

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Alternatifbank A.Ş. Informative Text on the Protection and Processing of Personal Data

This text has been prepared under our obligation to inform the data subjects whose personal data are processed by Alternatifbank A.Ş. ("our Bank") under our capacity as the Data Controller pursuant to article 10 of the Law no. 6698 on Protection of Personal Data ("KVKK").

Your personal data may be recorded, stored, or updated by our Bank within the framework explained below, or disclosed or transferred to third persons under the conditions permitted by the legislation, or classified and processed in the forms and manner listed in KVKK.

The purposes and legal reasons for processing your personal data; Your personal data are processed for use in any services related to any kind of banking products and services such as deposits, loans, and bank transfer transactions, as well as capital market, insurance agency and other products and services, including those that may be offered by our Bank under its capacity as the intermediary or agent within the scope of Law no. 4358 on Generalization of the Usage of Tax Identity Numbers; the Banking Law no. 5411, the Law no. 5549 on Prevention of Laundering of Proceeds of Crime, the Insurance Law no. 5684, the Turkish Commercial Code no. 6102, the Capital Markets Law no. 6362, the secondary regulations issued in relation to such laws and the provisions of other laws that are of interest in terms of our Bank’s activities; to identify and record the identity, address and other necessary information and data related with the transaction owner; to execute the transactions electronically (SWIFT, internet / mobile banking, etc.) or in papers; to comply with the data storage, reporting and informing obligations stipulated by the related legislation, the Banking Regulation and Supervision Agency (BRSA), the Ministry of Customs and Trade, the Central Bank of Republic of Turkey, the Banks Association of Turkey and the other competent authorities; and to be able to offer the requested / other Bank products and services and to establish and fulfil the requirements of the agreements that the Bank is a party to.

If you have given consent, your personal data may also be processed and used by our Bank for the purpose of presenting and promoting our products and services beyond the purpose for which you have become a client of our Bank under the applicable legislation; for planning and implementing special product, service and proposal activities that are customized for you; for developing product, service and working model proposals; for usage in profiling, segmentation, intra-bank target setting, scoring, risk analysis, client relations management, intra-Bank performance monitoring and analyses; and for conducting statistical studies, market researches, and customer satisfaction surveys.

Your camera images may be recorded at our branches, electronic banking machines (ATMs), regional offices, head office and the buildings used by our Bank for the legitimate interests of our Bank and as required by the workplace security practices.

The persons / entities to whom/which your personal data may be transferred for the abovementioned purposes; the persons or entities permitted by the Banking Law and the provisions of other applicable laws; including, without limitation, the financial institutions and other third persons as specified in article 73/4 of the Banking Law no. 5411 ; public legal entities such as BRSA, Capital Markets Board, Financial Crimes Investigation Board (MASAK), the Ministry of Finance of the Republic of Turkey, CBRT, etc.; our Bank’s main shareholder The Commercial Bank (P.S.Q.C.) and the direct / indirect domestic / overseas subsidiaries of our Bank including our subsidiaries Alternatif Finansal Kiralama A.Ş. and Alternatif Menkul Değerler A.Ş.; domestic and overseas banks and custody institutions intermediating in the related transfers / providing custodian services in relation to domestic and international fund and security transfers and the requests for security custodian services, the Risk Centre of the Banks Association of Turkey, and the institutions, domestic / overseas banks and financial institutions and other third persons that we receive services from, cooperate with, or become a program partner with in order to perform banking activities.

The method of and legal reason for the collection of personal data; Your personal data are collected by our Bank in order to completely fulfil its legal and contractual obligations through any and all agreements/information forms and other documents related with banking transactions and arranged with your consent and/or signature, your notifications that you will send with your electronic consent and/or signature, via the channels like the Head Office, our Branches, ATMs, Internet Banking, Call Centre, etc., and through various methods that may be utilised outside our Bank, including our domestic/overseas subsidiaries, the agencies and institutions that we cooperate with, public agencies and institutions, domestic/overseas Banks and other 3rd persons, whether verbally, in writing or electronically, and whether by automated means, in part or in whole, or non-automated means that are a part of any data recording system, pursuant to the Banking Law no. 5411 and the other related laws and legislation specified above.

Your rights as a customer pursuant to article 11 of KVKK; You are entitled to apply to our Bank with respect to the processing of your personal data; and