31.01.2026 00:51
The Banking Regulation and Supervision Agency has implemented a comprehensive regulation for housing loans. Accordingly, the distinction between first-hand and second-hand housing loans has been removed. Properties in the 'C' energy class are also included in the loans with advantageous interest rates, while the maximum loan amounts applicable to housing and housing-backed loans have been redefined. Now, for properties valued below 5 million TL, the loan amount can go up to 90% of the property value.
The Banking Regulation and Supervision Agency (BRSA) has made a new regulation regarding housing loans.
THE DISTINCTION BETWEEN FIRST AND SECOND-HAND HOUSING HAS BEEN REMOVED
Accordingly, the distinction between first and second-hand housing in housing loans has been removed. Additionally, 'C' energy class houses have also been included in the scope of loans with advantageous interest rates.
FOR HOUSES UNDER 5 MILLION TL, THE LOAN AMOUNT CAN REACH UP TO 90% OF THE HOUSE VALUE
Moreover, the maximum loan amounts to be applied for housing and housing-backed loans have been redefined. According to the decision, the loan amount will be applied at different rates depending on the value of the house and its energy class. For example, for houses valued at 5 million TL and below, the loan amount can reach up to 90% of the house value. For houses between 5–7 million TL, the rate will be 70–80%, for houses between 7–10 million TL, it will be 60–70%, for houses between 10–20 million TL, it will be 40–50%, and for houses above 20 million TL, it will be in the range of 20–40%.
FOR THOSE WHO HAVE A HOUSE, IT WILL BE APPLIED WITH A 75% REDUCTION
On the other hand, for individuals who have a house in their name, their spouse's name, or in the name of a child under 18, the loan rates will be applied with a 75% reduction. It has been stated that the main purpose of the regulation is to provide financing ease for citizens who will become homeowners for the first time.