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Residential Account

 

General Information

Open a State Subsidized Housing Account in Ziraat Katılım. The state subsidy and profit share up to maximum amount of 20% of your total savings will be added to your account when you first buy your house by saving at least three years.

Who can benefit from State Subsidised Residential Account?

  • The account will be opened to Turkish citizens or Turkish citizen natural person customers except for individuals within the scope of Article 28 of the Law on Turkish citizens dated 29/05/2009 and numbered 5901.
  • In order to gain right for State Subsidy, customer shouldn't be an owner of Condominium, Construction Servitude or another housing all registered to his name as of 07/04/2015.
  • Regular payments should be made to the account for at least three years due on housing acquisition date.
  • Residential Account can be opened in the name of majors older than 18; for the customers who are younger than 18, parents or guardians can open an account on behalf of the minors.
  • Qualification of the housings subject to state subsidy:

  • Housings with condominium deed.
  • Housings with construction servitude deed and building warrant.
  • Independent real estates with housing qualified building utilization warrant.
  • State subsidy is not paid to timeshares.

Features

  • On the date of the account opening, individual deed owners having Condominium, Construction Servitude or building utilization warrant registered to their names can't open an account for themselves.
  • Housing Account can only be opened in Turkish lira. More than one Housing Account cannot be opened for a customer. Housing Accounts cannot be moved between banks. Joint Housing Accounts cannot be opened.
  • In addition to regular payments, money can be deposited to the account at any time provided not to exceed the upper limit.
  • Customers have the right to withdraw from their accounts two times in a year provided not to drop the account balance below the minimum payment.
    • Lower limit for monthly payments is 313.72 TL and upper limit is 3.137,15 TL.
    • Lower limit for quarterly payments is 941.16 TL and upper limit is 9.411,45 TL
    • In the course of account opening, maximum of 37.645,87 TL can be deposited for one time only.

State Subsidy is 15% of the accumulation in the account for customers who have regular payment period between 36 and 47 months. However, the amount payable may not exceed 16,313,21 TL

State Subsidy is 18% of the accumulation in the account for customers who have regular payment period between 48 and 59 months. However, the amount payable may not exceed 17,568,08 TL.

State Subsidy is 20% of the accumulation in the account for customers who have regular payment period of 60 months and over. However, the amount payable may not exceed 18,882,94 TL.

How can I apply?

You can apply by coming to the nearest Ziraat Participation Branch.

Please click here to see Frequently Asked Questions.