According to the joint statement made by Ziraat Katılım and Vakıf Katılım, these financing packages were prepared to meet the financial needs of citizens under favorable conditions for the transition to the normalization process and the revival of social life.
Within the scope of the “Housing Finance” package, financing opportunities will be offered for first-hand/new or second-hand home purchases with a low financing rate and a maturity of up to 15 years with a grace period of up to 12 months.
While the amount of financing that can be given per customer is limited in order to enable wider segments of society to benefit from this opportunity, financing can be provided up to 750 thousand TL for the residences that will be subject to financing in 3 large cities, namely Istanbul, Ankara and Izmir, and up to 500 thousand TL for other cities.
A low equity/down payment ratio, starting from 10 percent, will be applied in financing use. In this context, financing opportunities will be offered for first-hand/new houses with a maximum grace period of 12 months, a maturity of up to 15 years and a monthly financing rate of 0.64 percent. Housing finance applications can be made to branches as of today.
An example payment table (with a grace period of 12 months) is as follows:
| Financing Amount (TL) | Financing Term (Months) | Installment Amount (TL) | Total Reimbursement (TL) |
| 100.000 | 12+168=180 | 1.019 | 171.184 |
An example payment table (equal installments) is as follows:
| Financing Amount (TL) | Financing Term (Months) | Installment Amount (TL) | Total Reimbursement (TL) |
| 100.000 | 180 | 937 | 168.709 |
Vehicle Financing Package
Within the scope of the Vehicle Finance Package, individual/corporate customers who will purchase zero kilometer passenger vehicles (including motorcycles) or commercial vehicles from contracted companies engaged in domestic production will be offered vehicle financing with a monthly financing rate of 0.49 – 0.69 percent, depending on the agreements made with the companies.
Individual/corporate customers who will purchase a second-hand passenger vehicle (including motorcycles) or commercial vehicles will be offered vehicle financing with a financing rate of 0.82 percent. The maximum limit for second-hand passenger car and commercial vehicle financing with a maximum maturity of 60 months and a maximum grace period of 6 months will be 150 thousand TL.
The financing amount will be calculated based on equity/foreign resources based on the insurance value. On the other hand, vehicles up to 7 years old may be subject to financing.
Minimum equity and maximum maturity legal limitations will apply to all first-hand and second-hand vehicle financing. Applications for the Vehicle Financing Package can be made as of June 5.
The passenger car sample pay table is as follows:
| Financing Amount (TL) | Financing Term (Months) | Installment Amount (TL) | Total Reimbursement (TL) |
| 50.000 | 6+54=60 | 1.253 | 67.647 |
Social Life Support Financing Package
With the “Consumer Financing with Company Contribution” prepared within the scope of the Social Life Support Financing Package, agreements will be made with domestically producing companies in order to support the furniture, electronics, white goods, home paint-ceramic-door and window systems, home textile, dowry and bicycle sectors. .
In this context, financing opportunities will be offered with a minimum financing amount of 3 thousand liras and a maximum of 30 thousand liras, a 6-month grace period, a maximum maturity of 60 months, and a monthly financing rate of 0.55 percent. The companies with which agreements have been made will be published on the banks’ websites.
An example payout table is as follows:
| Financing Amount (TL) | Financing Term (Months) | Installment Amount (TL) | Total Reimbursement (TL) |
| 10.000 | 6+6=12 | 1.771 | 10.628 |
| 10.000 | 6+30=36 | 382 | 11.452 |
| 10.000 | 6+54=60 | 228 | 12.316 |
Within the scope of Postpaid Consumer Financing, in order to meet the furniture, brown small household appliances, home paint-ceramic-door and window systems, home textile, dowry and bicycle needs that individual customers will purchase from domestic production companies other than contracted companies, under favorable conditions, a minimum of 3 thousand TL and a maximum of 3 thousand TL will be paid. A financing opportunity of 30 thousand TL will be offered against the invoice, with a grace period of 6 months and a maximum maturity of 60 months, with a monthly financing rate of 0.82 percent.
An example payout table is as follows:
| Financing Amount (TL) | Financing Term (Months) | Installment Amount (TL) | Total Reimbursement (TL) |
| 10.000 | 6+6=12 | 1.823 | 10.938 |
| 10.000 | 6+30=36 | 406 | 12.188 |
| 10.000 | 6+54=60 | 251 | 13.529 |
All financing provided within the scope of the Social Life Support Financing Package will be paid to the bank account opened in the name of the seller. Applications for the Social Life Support Financing Package can be made as of June 5.
Holiday Support Financing Package
In addition to providing the financing needs of holiday and travel expenses of retired and working customers who want to go on holiday and receive a salary through the relevant bank, under favorable conditions, customers who apply to purchase holiday packages from travel agencies that will make agreements with banks in order to support the tourism sector, receive a 6-month grace period of up to 10 thousand TL. Financing opportunity will be offered under favorable conditions with a monthly maturity.
The 1st and 2nd installments of the financing in question will be paid by the relevant company and bank. Customers’ installment payments will start after 9 months. In this context, the financing rate that customers will use will correspond to a monthly rate of 0.67 percent.
The companies that will be included in the application will be published on the banks’ websites. The application date and channel for the Holiday Support Financing Package will be announced this week.
On the other hand, while a record level of individual financing has been disbursed in the last 2 months with the individual needs financing package, the financing applications in question have ended.
An example payout table is as follows:
| Financing Amount (TL) | Financing Term (Months) | Installment Amount (TL) | Total Reimbursement (TL) |
| 10.000 | 6+30(*)=36 | 421 | 11.789 |
Source: https://www.aa.com.tr/tr/ekonomi/kamu-katilim-finans-kuruluslarindan-4-yeni-finansman-paketi/1861618
