Type of Loans-Loan Application 2019On July 29, 2019 by admin
Within the scope of individual lending of banks, there are loan options prepared for the needs of consumers. Good Finance is a bank that offers favorable payment terms and low-interest rates for the loan options it provides according to the needs of its customers.
Particularly in order to ensure customer satisfaction, periodical campaigns and consumer solutions, which are important income items, and solutions offered to individuals who want to own housing, increase the customer portfolio of the bank.
Types of Loans
The loan types offered by Good Finance are; consumer loans, vehicle loans and housing finance, in other words, mortgage loans. Consumer loans are the types of loans that come to your rescue for the purchase of goods, holidays, marriage, education, health or small needs and are extended for a maximum period of 48 months.
In this type of loan, the interest rates offered by the bank start at 1.20%. You can apply for Good Finance personal loans for all your individual cash needs, such as buying goods, renewing existing items, paying for medical expenses, having your car serviced, getting married, traveling or paying for your education.
Vehicle loan is a type of loan that you can use only in your vehicle purchases. Finally, mortgage loan financing is provided for those who want to own a house. In this regard, the Bank provides services with its experienced team employees and specialized staff and offers special solutions to its customers with appropriate interest rates and payment terms.
Documents and Conditions for Good Finance Loan Application
The documents requested from the individual loan applicant and the guarantors, if any, are as follows:
- Passport / Driver License provided that the identity card is written
- Payroll for Private Sector Employees. For those who cannot declare their payroll, the current approved income document including the indication that there is no foreclosure, SSI service breakdown, company signature circular
- Current Tax Sheet for Self-Employed Professionals, Trade Registry Gazette, Annual Income Tax Return and current business statement
- SSI Retirement Certificate and pension certificate for retirees
- Those who retire and declare that they are still actively working for wages are declared in the workplace support premium
- Farming Certificate for farmers, Land title photocopies, Produced receipts
- As additional income documents, a copy of the lease agreement for rent income and a passport for title deeds and interest income are requested.
When the documents requested in other types of loans are examined, we can say that the proforma invoice for the vehicle to be purchased for vehicle loans and the vehicle license and traffic certificate for second hand vehicles and the motor vehicle registration certificate, and the title deed for the house to be purchased for mortgage loans are requested.
However, in case there is no title deed with floor ownership, the building usage permission certificate is requested together with the easement of the floor. If the building use permit is not received, the bank’s request for this issue will be the building license and zoning status certificate for the last 5 years.
How to Apply for Good Finance Loan?
Anyone who can declare the above documents and meet the general conditions can apply for a Good Finance loan. In the case of loans created for a special group, only the members of that group can apply for the loan.
Those who wish to apply for Good Finance loans can use many banking channels. Thanks to these channels, your application will be sent to the bank immediately and your application result will be notified to you after the examinations. Below are the methods you can use for Good Finance consumer loans, auto loans or mortgages…
Good Finance has created channels for consumers to apply for loan products. Consumers can apply through 3 different banking channels. The first one is to apply directly through the branches. The other is the possibility of applying via internet banking in the comfort of the office or home without going to the branch. The last alternative option is SMS banking which is used for quick application.
Good Finance Loan Application with SMS Banking
Those who wish to take advantage of the loan application by message can enter the SMS section of the device and write a message after writing the type, amount and salary information of the desired credit to be used with the TC ID number.
It is important to leave a space between the information. After this application, your credit grade and credit potential are questioned by the system. A comprehensive review will be carried out to identify possible payment options and you will be notified of the outcome of your application by calling Good Finance’s credit officer or by SMS notification within one business day at the latest.
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