Urban Transformation Financing

Make Risky Areas Safe, Shape Your Future!

What is Urban Transformation Financing? Urban Transformation Financing is a loan provided by our bank for the renewal of buildings located in risky areas defined under Law No. 6306 on the “Transformation of Areas Under Disaster Risk.” 

To benefit from the profit share support rates determined by the Republic of Türkiye Ministry of Environment, Urbanization, and Climate Change, the property must either be located in a designated risky area or be identified as a “risky building” through technical reports, even if outside a risky zone.

Who Can Benefit from Urban Transformation Financing?

  • Property owners who want to rebuild their homes,
  • Tenants or holders of limited real rights who have lived in risky buildings for at least one year,
  • Owners of homes identified as risky buildings who wish to purchase a different property.

Features:

  • For financing related to the construction or purchase of residential units, the maximum amount eligible for profit share support is ₺1,250,000 per independent unit.
    For beneficiaries owning multiple independent units, the total supported financing can be up to ₺6,000,000, provided each unit’s financing does not exceed ₺1,250,000.
  • For financing aimed at reinforcing residential units, the maximum supported amount per unit is ₺320,000.
    For multiple units, the total supported financing can be up to ₺1,600,000, again with a ₺320,000 cap per unit.
  • The maximum term for supported residential financing is 10 years.
    For individual workplace financing, the maximum term is 7 years.
  • According to the Council of Ministers' Decision No. 2012/3803 issued by the Ministry of Environment, Urbanization, and Climate Change, profit share support rates for residential and individual workplace financing are determined by the Ministry.