Islamic Home Financing in Aegean

Interest-free home purchase financing for new and second-hand homes with 5, 7 and 10 year term options and an on-page payment plan calculator that itemizes principal, profit share and the zero KKDF and BSMV tax lines that apply to housing finance. Digital applications run through the Jet Finansman channel; a summer 2026 digital campaign (July 31 to August 31) advertises monthly profit rates from 2.87 percent for digitally originated home financing. Albaraka also fields adjacent products: land, 2B land, housing-rent financing, prefabricated housing and an accessibility-focused Engelsiz Hayat program.

Participation home financing for new and second-hand homes plus land (arsa), quoted through the bank's on-site calculator with separate product lines for each. The calculator discloses an honest tax detail peers bury: payment plans assume 0 percent BSMV (banking transaction tax) only for buyers who own no other home at drawdown; customers who already own a home pay 15 percent BSMV on profit amounts, materially changing the true cost.

A first-of-its-kind Turkish program that lets customers earn their way to zero-profit-rate home financing. The customer opens a dedicated Gonlune Gore participation account, saves regularly toward a self-chosen target amount and term, and on reaching it qualifies for home financing at a zero or heavily reduced profit rate: the profit share the customer earned on the savings is credited against the financing cost. There is no system fee and no penalty; savers can exit any time and keep their accumulated balance plus earned profit share. Extra deposits are allowed on maturity dates, and the financing itself is granted under the bank's normal allocation policies.

Standard participation home financing at the state real-estate bank: Emlak Katilim purchases the property and sells it to the customer at the chosen term, within BDDK loan-to-value rules. The shelf around it is the deepest housing-focused lineup in the sector: Tamamlayici (complementary) financing tops up purchases arranged through the affiliated Emlak Katilim Tasarruf Finansman savings-finance company, and the bank's heritage and state-project pipeline (including urban transformation) anchor its real-estate specialization.

Murabaha-based home purchase financing with terms up to 120 months, available to residents of Turkey aged 18 or over through Kuveyt Turk branches (customer onboarding can be done in the mobile app). Repayment plans can be fixed-installment or irregular (seasonal) to match income. Buyers of units in Kuveyt Turk-partnered construction projects, both under construction (less than 85 percent complete) and completed, can use the dedicated Anlasmali Konut Finansmani track. Related products cover first-home buyers (Ilk Evim), land purchase (up to 60 months), 2B land, workplace purchase, and a Gurbetten Silaya track for Turks abroad buying property back home.

Home purchase financing in which Turkiye Finans buys the property and sells it to the customer over the chosen term, with maximum tenor of 120 months. The page prints an unusually complete fee schedule: TRY 500 arrangement fee (plus a per-mille arrangement charge on the financing amount), TRY 3,000 mortgage lien registration fee, and appraisal from around TRY 16,500 (location dependent, with a temporary block of 1.5 times the estimate placed at application). Advertised pricing assumes bundled credit life, personal accident and home insurance; unbundled financing prices higher.

Home purchase and home-equity financing with the full BDDK energy-class loan-to-value grid printed on the page: first homes up to TRY 5 million finance at 90 percent (energy class A-B), 80 percent (C) or 70 percent (other); the ratio steps down through value bands to 40/30/20 percent above TRY 20 million. A separate printed grid caps second-home financing far lower (22.5 percent at best for sub-5-million homes). Land financing to 60 months sits alongside.

Mortgage-secured home financing at the state participation bank, listed in the bank's own rate-band table at TRY 0 to 10 million over 1 to 120 months, within the broader Konut-Gayrimenkul family that also covers land purchase, urban-renewal (kentsel donusum) projects and individual workplace purchase. Ziraat Katilim also runs the state-contribution Konut Hesabi savings product (minimum 36 months of regular deposits, 2026 monthly bands TRY 4,511.50 to 45,115.04) that first-time buyers can pair with financing to capture the government contribution of up to 20 percent.