The annual total cost rate includes interest (TLREF+13% margin on the day of calculation), allocation fee, life insurance and taxes and is calculated based on the sample amount.
In Indefinite Term Consumer Credits, the annual cost rate will be calculated based on the 12-month period, which is the term in which the interest will remain constant.
“These calculations are for informational purposes and vary according to the amount of debt (amount used in the negative balance), term (period in which the defined limit is used) and age (credit life insurance fee is calculated based on the average age group of 35) and are not binding.”
“Our bank has the right to make changes to the campaign features and to terminate the campaign according to market conditions.”
3% bank and insurance transaction taxes have been added to the Allocation Fee. 0.5% Stamp Duty is collected for each credit request.
The annual cost rate has been calculated assuming that the consumer makes regular payments.

Documents to be Requested for Credit Applications

• Risk research from our customers who are not registered and from individuals who are not our customers,
• Original and photocopy of ID card or passport (same documents will be requested from guarantor/s),
• An official document confirming address, current electricity or water bill (excluding ID card) (same documents will be requested from guarantor/s),
• Income Declaration (same documents will be requested from guarantor/s),