• Stamp Duty Fee
• Application/File Processing Fee
• Credit Risk Assessment Fee (payable in advance)
• Credit Life Insurance is mandatory and may be paid annually or in advance for the entire loan term, depending on the applicant's age.

• Financing is granted against a proforma invoice or commercial invoice.
• Maximum repayment term of 12 months.
• Equal installment or flexible repayment options available.

• The applicant and any guarantor(s) must provide:
  • Original and photocopy of a valid Identity Card or Passport.
  • Proof of residence or an official document registered in the applicant's name (such as an electricity bill, municipal water bill, or similar utility bill).
  • Proof of income, including:
    a) Tax Registration Certificate (Tax Certificate),

• b) Authorized Signatory Circular,

  c) A certified set of company registration documents obtained from the Registrar of Companies, dated within the last 15 days.

  The above documents will also be required from guarantors where a guarantor is requested by the Bank.

1. Stamp duty fees must be paid in advance.
2. A credit risk assessment is mandatory.
3. Depending on the applicant's age and loan term, either Credit Life Insurance or Personal Accident Insurance will be required.
   • Personal Accident Insurance will apply to loans granted to companies.
   • Credit Life Insurance will apply to loans granted to individuals.
4. Widow's pensions, disability allowances, social assistance payments, and similar benefits received through the Department of Labour are subject to interruption risk and therefore will not be accepted as salary assignment income.
5. Guarantors will be offered Personal Accident Insurance under the Premium Package (TL 70).
6. For loans secured by cash collateral:
   • If the loan and collateral are in the same currency, financing may be granted on a one-to-one basis.
   • If the loan and collateral are in different currencies, the collateral amount must be at least 10% higher than the loan amount.
   • This requirement applies to all currencies.

Disbursement

The loan amount will be paid directly to the supplier either by account transfer and/or bank cheque.