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118 articles
The BDDK Caps That Shape Every Halal Home and Car Financing Deal in Turkey
LTV bands, tenor ceilings and energy-class grading are set by regulation, not by your bank. Understanding the caps tells you what any financing offer can be before you ask for one.
The Taxes on Your Halal Money: Withholding, BSMV and the Breaks Worth Planning Around
Profit shares are taxed by tenor, FX pays the most, gold sits in between, and first-home buyers skip a 15 percent tax entirely. The complete tax map for participation banking customers.
Murabaha, Explained Properly: The Contract Behind Every Turkish Home and Car Financing
The bank buys the asset and resells it to you at a disclosed markup. Why that is different from an interest loan, what it means for early payoff and late payment, and where to stay alert.
Katilim Emeklilik Life Insurance Review (2026): The Icazet Standard
The Albaraka-Kuveyt Turk joint venture is Turkey's first interest-free life insurer and the only one whose signed icazet spells out where every lira may be invested. Its life shelf reviewed: comprehensive cover, credit life, and the gaps.
Five Myths About Participation Banking That Deserve to Die in 2026
It is just interest renamed. It is unregulated. It is for religious people only. Your money is not safe. The returns are worse. Each myth, tested against the checkable facts.
Why Does Only One Turkish Bank Print Its Financing Rates? An Argument for Daylight
Vakif Katilim prints a vehicle rate table with honest annualized costs. Six competitors route you to calculators. The asymmetry has a logic, and customers should refuse to accept it.
DASK vs Konut Sigortasi: What Each Actually Covers (2026)
Turkish homeowners routinely believe DASK covers their home. It covers the building shell against earthquake, up to a state ceiling, and nothing else. What DASK does, what konut policies add, and how the participation stack fits together.
Participation Banking in Turkey 2026: The Complete State of Play
Eleven licensed participation banks, 4.3 trillion lira in assets, and a 9.5 percent market share. Here is who actually serves retail customers, who publishes real numbers, and where the sector goes next.
Gold Participation Accounts, Explained: How Grams Earn Grams Without Interest
Your gold joins a financing pool and the profit comes back in metal. The mudarabah mechanics, the splits worth taking, the taxes and the honest expectations, all in one explainer.