Non-purpose loans

Advantages of electronic banking are faster, cheaper, more efficient and more secure transactions from the comfort of your home.

How to apply?

In order to start using the benefits of our e-banking service you need to have an access to Internet and to fill in the form for using the e-banking system, which can be found at the Bank. Once the request is approved, you will receive all the necessary documents which will enable you a direct access to our e-banking services

Protection and security

  • The E-banking application guarantees complete security
  • ID code and password
  • Security at transaction level - TAN-Codes

Encryption of messages

While using our e-banking system you are completely protected from every possible misuse. The security of the e-banking application is guaranteed by the security system recognized in the international banking community.

If you’re interested to follow your credit card transactions via Internet, please apply for our e-Cards online system. Ziraat e-banking and e-Cards systems are two completely different systems with different functions and requirements. E-Cards online system only enables you to follow your credit card statements online. Please contact us for more details.

Our IT team is at your service, which will help you to fill in the request and give you detailed instruction on how the application works.

Non-purpose retail loans can be short term or long term with realization period of 24h.

Long Term Non-purpose retail loans:

  • Available to all retail customers with regulart monthly salaries.
  • Payout options: Cash or other transaction per client request.
  • Amount: Based on the clients monthy salary and monthy rate cannot pass 50% of the clients salary if under 1000KM, and 66% if the clients' salary is over 1000KM.
  • Maturity: 120 months

Loan securities:

  • Guarantors
  • Cash deposit
  • Mortgage on real estate
  • Plege on moveable property
  • Other

Long Term Non-purpose retail loans without guarantors

  • Available to all retail customers with regulart monthly salaries.
  • Payout options: Cash or other transaction per client request.
  • Amount: Based on the clients monthy salary and monthy rate cannot pass 50% of the clients salary if under 1000KM, and 66% if the clients' salary is over 1000KM.
  • Maturity: 120 months

Loan securities:

  • Promissory notes
  • Life insurance
  • Other

Short Term Non-purpose loans:

  • Available to all retail customers with regulart monthly salaries.
  • Payout options: Cash or other transaction per client request.
  • Amount: Based on the clients monthy salary and monthy rate cannot pass 50% of the clients salary if under 1000KM, and 66% if the clients' salary is over 1000KM.
  • Maturity: 12 months

Loan securities:

  • Promissory notes
  • Life insurance
  • Other

Informational Sheet

For more information about our branch network click here