• Turkish citizens who do not own a house fully registered in their name as of 07/04/2015 can open an account. 
• For minors under 18 years of age, a Home Account can be opened by a parent or guardian. 
• A Home Account cannot be opened as a joint account. 

• The account holder cannot open more than one Home Account. Home account cannot be transferred between banks.
• If the customer opens more than one account at the bank or at different banks, these accounts cannot be combined. 

• Can be opened in TRY and have a minimum maturity of three years.

• The account holder may deposit an amount exceeding the upper limit specified in Article 4 of the Regulation on Home Accounts for one time only on the opening date of the Home Account. This amount cannot exceed TRY 431,412.99*. 
• The amounts to be regularly deposited to the account by the customer on a monthly or quarterly basis can be deposited from the cash box, demand deposit account, if there is insufficient balance in the demand deposit account, if there is an instruction, it can be deposited from the pool account and then from the overdraft account respectively. If there is no regular payment instruction, it can be deposited from any channel provided that it remains within the limits. 
• The periodic payment preference of monthly or quarterly payments can be changed at the beginning of each 12-month period.
• The lower and upper accumulation amounts for periodic monthly payments are as shown in the table for 2025. Periodic payments can be made in different amounts, within the upper and lower limits.

• Periodic payments can be made in the relevant month or quarter.
• The account holder is deemed to have completed his/her regular payment for the relevant month or quarter when the sum of payments made under the contract reaches the lower limit.
• If the three-year period has ended, and the customer is eligible for state contributions and applies to the bank, accrued interest calculated at the current interest rates for the period between the payment date and the account closing date for payments made after the end of the three-year period will also be added to the closing balance.
• However, if the customer requests to close the account without applying for state contributions after the three-year period has ended, they will only be entitled to the interest on the periodic payment amounts made up to the last completed period (12-month period). They will not earn interest on the regular payments made in the ongoing but incomplete period. These provisions also apply if the customer wishes to close his/her account between the beginning of the second and the end of the third period.
• In the event that the account is closed before the end of the first period, the customer will not be entitled to any interest on the regular payments made, and only the regular payment amounts in the account will be transferred to the customer's current deposit account.
• The tax deduction will be calculated over the current tax rates at the end of one-year periods. If the account is closed on the day when the interest accrual for the first period is made, any difference between the withholding tax rate applicable to the new term due to the change in the account's original term and the withholding tax rate applicable to the account's intended term will be calculated based on the accrued gross interest and will be collected from the account.

• Money can be withdrawn from the Home Account at most twice in one term. If the withdrawal right is used, the balance remaining in the Home Account must not be less than the total of the minimum amounts required to be deposited as of the opening date of the account.

• Houses with property ownership title deed,
• Houses with construction servitude title deed and occupancy permit,
• Detached immovable properties with a residential occupancy permit.
• No state contribution will be paid for timeshares.

• For residential property with a condominium title deed, the date of registration of the property to the title deed through sale;  
• For residences that already have a certificate of occupancy, the date of acquisition of the title deed of the condominium easement; 
• For residences for which the certificate of occupancy was approved after the date the title deed of the condominium was taken over, the date of approval of the certificate of occupancy,
• For residences with an independent title deed with a certificate of occupancy, it is the date of registration of the residence to the title deed through sale.

The Customer is required the following:

• Being a Turkish citizen,
• Not owning a house fully registered in their own name as of 07/04/2015,
• Making regular payments to the Home Account for a minimum of three years until the date of home acquisition,
• Not having acquired any other immovable property with condominium, condominium easement or detached title deed fully registered in his/her name as of 07/04/2015, other than the house for which he/she applied to receive state contribution, 
• Not having a house purchased from the customer's spouse and first-degree blood relatives,
• If the monthly payment plan is selected, not missing more than three payments more than three times in a period, and if the quarterly payment plan is selected, not missing more than one payment more than once in a period,
• The balance in the Home Account after exercising the right to withdraw from the Home Account not being less than the sum of the minimum amounts required to be deposited as of the account opening date,
• The applicant must apply to our Bank with the necessary documents within six months following the date of acquisition of the house.

The state contribution amounts for 2025 according to the duration of regular payments to the home account are as follows;                                                                                                                                                           

This table is provided as an example, assuming the customer makes regular monthly payments of TRY 3,600 into the home account, with an annual interest rate of 12.00%. It is a sample table and interest rates, payments, and other variables may vary.

After the state contribution payment is made or the right to state contribution is lost, the account is removed from the "Home Account" status, and it will continue to remain open without state contribution unless the customer provides instructions.

 * The minimum and maximum amounts for contribution payments and eligible state contributions are valid for the year 2025, and these amounts will increase each year based on the annual revaluation increase rate.

 * Our Home Account gross interest rate is 12.00%.