We often apply to banks to meet our financial needs. bank usage in Turkey, compared to other countries is a very common condition. In contrast to a lot of information pollution about the loan application, we will provide information about how to apply for a loan and what should be considered when applying for a loan.
First of all, from the moment the loan application is approved, you will be deemed to have been borrowed for the term you have used the loan. The first installment of the loan will be asked to you during the conversation between the bank employee and possibly 45 days later. If you have not applied for a credit before, you can follow all of our questions and complete all questions.
How to apply for a loan?
First of all, you need to determine which subject and in which needs you will use credit. Because banks offer various loan campaigns and loan types in response to their various money needs. If you want to buy a car, for example, if the car you buy is zero or used, you should learn about your bank’s conditions for using a car loan. If you have decided which credit you would like to use, we can proceed to the next step.
Which Bank Should I Get Credit from?
Once you have decided which credit to take, you should decide from which bank to use the credit. It will always be more advantageous to apply through the banks where you have previously worked and whose products you use. Banks that recognize you and know your previous payments will implement an easier approval process. However, most banks are able to offer loans to their customers who will use loans for the first time with appropriate interest rates. For this reason, you can follow current credit campaigns in our Consumer Loans, Vehicle Loans and Housing Loans departments.
Which Payment Options Can I Use?
If we made a bank choice , now it is time to pay the loan in which term we will pay. The most important point you should be aware of is that the shorter the term of the loan, the lower the interest rate of the loan will be . If your monthly income is high and you have the ability to pay, I recommend that you keep the loan term short. However, it is useful to understand this advice correctly. Pay attention to monthly figures that exceed your solvency just to lower the interest rate.
At this stage, you will also learn about the costs of the loan , insurance and file charges . With the help of your bank employee, find out the net amount of your loan for the loan and ask for the loan amount you will receive. Account will be issued as soon as possible.
There is no longer an obstacle to applying for a loan. If interest rates, monthly maturities and credit costs make sense to you, you can apply. Good luck!