Kredi
Konut kredisi
İngilizce: home loan
Türkçe Tanım
Bir banka veya ipotek kredi kurullusu tarafindan konut amacsli gayrimenkul satin alma, insaat veya yenileme icin gayrimenkulun kendisinin teminat gorevi gordugu teminata dayali bir kredi tesisidir. Konut kredileri genellikle 15 ila 30 yillik uzun vadelere, sabit veya degisken faiz oranlarina ve itfa edilen geri odeme yapisina sahiptir. Perakende bankacilikta en buyuk varlik siniflarindan birini temsil eder ve ozel tuketici koruma duzenlemelerine tabidir.
English Definition
A secured credit facility extended by a bank or mortgage lender for the purchase, construction, or renovation of residential property, with the property itself serving as collateral. Home loans typically feature long tenors of 15 to 30 years, fixed or variable interest rates, and amortising repayment structures. They represent one of the largest asset classes in retail banking and are subject to specific consumer protection regulations.