FAQ

Any real person who has completed the age of 18, is a citizen of the Republic of Turkey and is able to document his income can apply for a loan.

You can apply with your identity card and your income statement. You will be required to submit, after preliminary checks to be made in the name of your identity card and in the case of your income statement, all other documents required for the final loan application, if it is deemed appropriate

For real person applicants ;

  • Birth certificate
  • Certificate of residence
  • Taxpayers with self-employed professions, salary payroll if working with pay (income for wage earners, company signing circulars if documented with company letterhead)
  • Self-employed / business owner trade registry journal

For legal entity applicants ;

  • Balance sheet, income statements and current balance (last 3 years)
  • Tax stamp
  • Trade Registry Gazette and Company's main contract
  • Signature circulars

According to the evaluation result of the loan loan application made for the loan-related product, the bank or financial institutions providing the financing require some guarantees. Such collaterals may be such as vehicle pledge, guarantee, letter of guarantee, cash blockage, mortgage, etc., according to the evaluation results of the application.

Depending on the loan product (vehicle, housing) and credit worthiness, the banks require a down payment in line with the legal frameworks.

Loan guarantee is not provided. When a loan decision is made, the credit worthiness of the client, the habit of repaying the debts and the level of the risk it carries are mainly the roles of the applicant. The guarantee is a strengthening element that is used to minimize the loss arising in the case of the risk of failure to pay back by taking into consideration the possible problems that may arise in the repayment of the loan.

Examination of the repayment habits of consumers and businesses in the evaluation of loan applications for past loans and various other debts; monthly net income account and market intelligence. According to the results obtained as a result of these examinations, approval or rejection of the loan application is given.

Having used a loan or credit card in previous periods gives important tips on the debt owner's debt repayment habits. These tips play an important role in the loan decision. The inability to access these historical clues makes it difficult for the loan provider to make loan decisions.

Yes. Loan providers can provide loan facilities for you with increasing installments, declining installments, repayment installments, interim payments or balloon payment repayment plans. Flexible-paid loan applications are assessed on a monthly net income basis and the installment amounts are based on the weight of the distribution in the loan market.

Yes. Loan providers can provide loan facilities for you with increasing installments, declining installments, repayment installments, interim payments or balloon payment repayment plans. Flexible-paid loan applications are assessed on a monthly net income basis and the installment amounts are based on the weight of the distribution in the loan market.

BizFinans acts as an intermediary in locating financing for clients interested in capital financing, both locally and internationally, using its strategic and financial investor network. BizFinans, which combines analytical evaluation processes, local sector knowledge and international financial experience, acts as a teammate next to its customers and supports the financing process in a fast and positive way by financially advancing the lending institutions, investors, technical and legal advisors on behalf of them. It happens.