Interest Rates and Fees


Non-Resident Mortgage Loan

USD
Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL - - 1.350 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Interest Rate (48 months) % - - - - 0,68%
Interest Rate (60 months) % - - - - 0,68%
Interest Rate (120 months) % - - - - 0,72%
Interest Rate (240 months) % - - - - 0,88%
Monthly Percentage Rate % - - - - 0,79%
Annual Percentage Rate % - - - - 9,48%
EUR
Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL - - 1.350 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Interest Rate (48 months) % - - - - 0,75%
Interest Rate (60 months) % - - - - 0,75%
Interest Rate (120 months) % - - - - 0,77%
Interest Rate (240 months) % - - - - 0,93%
Monthly Percentage Rate % - - - - 0,86%
Annual Percentage Rate % - - - - 10,32%
GBP
Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL - - 1.350 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Interest Rate (48 months) % - - - - 0,72%
Interest Rate (60 months) % - - - - 0,72%
Interest Rate (120 months) % - - - - 0,76%
Interest Rate (240 months) % - - - - 0,84%
Monthly Percentage Rate % - - - - 0,85%
Annual Percentage Rate % - - - - 10,20%

Mortgage Loan (Default)

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1%
Appraisal Fee % TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Life Insurance - - - - - -
Real Estate Insurance - - - - - -
Compulsory Earthquake Insurance - - - - - -
Interest Rate (48 months) % - - - - 1,25%
Interest Rate (60 months) % - - - - 1,25%
Interest Rate (120 months) % - - - - 1,29%
Interest Rate (240 months) % - - - - 1,39%
Monthly Percentage Rate % - - - - 1,34%
Annual Percentage Rate % - - - - 16,02%

Discounted Rate Mortgage Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Loan Commision for 1% Discounted Rate Mortgage % - - - - 1,00%
Loan Commision for 2% Discounted Rate Mortgage % - - - - 2,00%
Loan Commision for 3% Discounted Rate Mortgage % - - - - 3,00%
Loan Commision for 4% Discounted Rate Mortgage % - - - - 4,00%
Loan Commision for 5% Discounted Rate Mortgage % - - - - 5,00%
Loan Commision for 7,5% Discounted Rate Mortgage % - - - - 7,50%
Loan Commision for 10% Discounted Rate Mortgage % - - - - 10,00%
Base Interest Rate for Discounted Rate Mortgage (120 months) % - - - - 1,07%
Interest Rate for 1% Discounted Rate Mortgage (120 months) % - - - - 1,05%
Interest Rate for 2% Discounted Rate Mortgage (120 months) % - - - - 1,03%
Interest Rate for 3% Discounted Rate Mortgage (120 months) % - - - 1,01%
Interest Rate for 4% Discounted Rate Mortgage (120 months) % - - - - 0,99%
Interest Rate for 5% Discounted Rate Mortgage (120 months) % - - - - 0,96%
Interest Rate for 7,5% Discounted Rate Mortgage (120 months) % - - - - 0,91%
Interest Rate for 10% Discounted Rate Mortgage (120 months) % - - - - 0,85%
Monthly Percentage Rate % - - - - 1,12%
Annual Percentage Rate % - - - - 13,39%

Bridge Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 2.000 - - 1,00%
Appraisal Fee - TL - - 1.300 -
Mortgage Establishment Fee - - - - 500 -
Interest Rate (48 months) % - - - - 1,25%
Interest Rate (60 months) % - - - - 1,25%
Interest Rate (120 months) % - - - - 1,29%
Interest Rate (240 months) % - - - - 1,39%
Monthly Percentage Rate % - - - - 1,37%
Annual Percentage Rate % - - - - 16,38%

%100 Mortgage Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 2.000 - - 1,00%
Appraisal Fee - TL - - 1.300 -
Mortgage Establishment Fee - - - - 500 -
Interest Rate (48 months) % - - - - 1,25%
Interest Rate (60 months) % - - - - 1,25%
Interest Rate (120 months) % - - - - 1,29%
Interest Rate (240 months) % - - - - 1,39%
Monthly Percentage Rate % - - - - 1,37%
Annual Percentage Rate % - - - - 16,38%

Decreasing Rate Mortgage Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Product fee % - - - - 3,00%
Interest Rate (48 months) % - - - - 1,25%
Interest Rate (60 months) % - - - - 1,25%
Interest Rate (120 months) % - - - - 1,29%
Interest Rate (240 months) % - - - - 1,39%
Monthly Percentage Rate % - - - - 1,41%
Annual Percentage Rate % - - - - 16,86%

Variable Rate Mortgage Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Spread Rate (36 months) % - - - - 0,66%
Spread Rate (60 months) % - - - - 0,69%
Spread Rate (120 months) % - - - - 0,69%
Spread Rate (240 months) % - - - - 0,69%
Variable Interest Rate (36 months) % - - - - 1,01416%
Variable Interest Rate (60 months) % - - - - 1,04416%
Variable Interest Rate (120 months) % - - - - 1,04416%
Variable Interest Rate (240 months) % - - - - 1,04416%
Monthly Percentage Rate - - - - - 1,09%
Annual Percentage Rate - - - - - 13,04%

Home Equity Mortgage Loan (Default)

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Life Insurance - - - - - -
Real Estate Insurance - - - - - -
Compulsory Earthquake Insurance - - - - - -
RUSF (Resource Utilization Support Fund) % - - - - 15,00%
Interest Rate (48 months) % - - - - 1,35%
Interest Rate (60 months) % - - - - 1,35%
Interest Rate (120 months) % - - - - 1,45%
Monthly Percentage Rate % - - - - 1,72%
Annual Percentage Rate % - - - - 20,60%

Decreasing Rate Home Equity Mortgage Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Product fee % - - - - 3,00%
Interest Rate (48 months) % - - - - 1,35%
Interest Rate (60 months) % - - - - 1,35%
Interest Rate (120 months) % - - - - 1,45%
Monthly Percentage Rate % - - - - 1,79%
Annual Percentage Rate % - - - - 21,53%

Variable Rate Home Equity Mortgage Loan

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 1.350 - - 1,00%
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Spread Rate (36 months) % - - - - 0,81%
Spread Rate (60 months) % - - - - 0,84%
Spread Rate (120 months) % - - - - 0,84%
Variable Interest Rate (36 months) % - - - - 1,16416%
Variable Interest Rate (60 months) % - - - - 1,19416%
Variable Interest Rate (120 months) % - - - - 1,19416%
Monthly Percentage Rate % - - - - 1,42%
Annual Percentage Rate % - - - - 17,03%

Home Equity Line of Credit

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 200 1% 1.350 -
Appraisal Fee - TL - - 650 -
Mortgage Establishment Fee - - - - 250 -
Interest Rate (48 months) % - - - - 1,35%
Interest Rate (60 months) % - - - - 1,35%
Interest Rate (120 months) % - - - - 1,45%
Monthly Percentage Rate % - - - - 1,71%
Annual Percentage Rate % - - - - 20,50%

Automatic Home Equity Line of Credit

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Booking Fee % TL 200 1% 1.350 -
Interest Rate (48 months) % - - - - 1,29%
Interest Rate (60 months) % - - - - 1,29%
Monthly Percentage Rate % - - - - 1,52%
Annual Percentage Rate % - - - - 18,27%

Potential Expenditures Within Loan Term

Personal Loans Rate Unit Currency Minimum
Amount		 Minimum
Rate		 Maximum
Amount		 Maximum
Rate		 Exp.
Mortgage Lien Release Commission - TL - - 350 -
Rate Deduction Commission % - - - - 2%
Term Modification Commission % - - - - 2%
Payment Free Term Commission % TL 50 - - 2%
Interim Payment Commission % - - - - 2%
Early Termination Commission % - - - - 2%

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