May 25, 2024

Loan Application for Housewives

Banks that offer mortgage loans provide great convenience to housewives. In case the immovable to be shown as a mortgage belongs to the person, the application can be made individually through the branches of the banks.

If the mortgage is a partner, that is, if the immovable is registered on the spouse or siblings of the person, the parties must also approve in order to get a mortgage loan. In other words, loan applications to housewives are made only from bank branches, it is not possible to apply through other channels.

How Much Loan Can I Get With a Mortgage Loan?

The amount of the loan to be given depends on the appraisal value of the real estate to be mortgaged. Banks require an appraisal report to determine the value of the immovable to be mortgaged, and in this way, the highest loan amount is determined. In addition, different percentages are taken for different mortgages such as vehicles, residences or land. For example, in the Ziraat Bank mortgage loan, the highest loan amount that can be given is determined at the rate of 80% of the appraisal value for houses, 75% for workplaces and 50% for lands with zoning.

Loan to Entrepreneurial Housewives

Loan opportunities are offered to housewives who want to establish a business, with the recent efforts to help housewives gain their economic independence. You can get information about the loan opportunities offered to entrepreneurial housewives from the websites and branches of the banks, and you can learn about the application conditions. You can also choose public banks for government support.

Credit Card for Housewives

Banks that issue credit cards to housewives require proof of income. People who have proof of income, have no problems in their banking history, and pay their debts regularly can easily get credit cards from banks. However, it is very difficult for people who do not have proof of income to get a credit card. Married people can obtain a credit card by applying with the approval of their spouses and income certificate. For this, it will be healthier to make applications from the branch because only the income document and the registration status of the person are examined in credit card applications made through digital channels. It is not known that he can get a credit card from his wife.

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