Financing a Renovation in Türkiye: The 2026 Guide
Can you finance a renovation? Personal loans, home-improvement loans and staged payments — pros, cons, and the one document the bank wants to see.
2026-07-10 · 6 min read
Renovations postponed for budget reasons get more expensive every year. The good news: there are several financing routes, and with the right paperwork the process is easier than expected. Rates change monthly, so we give you the structure, not numbers.
Option 1: Personal loan
The fastest route: unsecured, approved within hours; terms are shorter and rates higher than housing loans. Most used for small-to-mid jobs (paint, bathroom, kitchen).
Option 2: Home-improvement loan
Some banks offer renovation-specific, property-secured products: longer terms, lower rates, in exchange for appraisal and mortgage steps. For big jobs it can cut total cost significantly — and banks ask for documentation of the work.
The one document the bank wants
Whichever loan you pick, the bank wants proof the money funds real work: a stamped, itemised written quote. The quote Güven Kardeşler issues after a free site visit is exactly that format — bank-ready.
The alternative to borrowing: staged payments. With us, payment follows progress (30% start, staged milestones, balance at handover) — you never need the full amount up front.
Frequently Asked Questions
- Which bank has the best renovation loan?
- Rates change constantly — compare 3-4 banks the same day; your salary bank usually offers the best terms.
- Do you offer instalments instead?
- We split payment into stages (start + milestones + handover); card-instalment options can be discussed at the visit.
- Should I get the quote before the loan?
- Yes — free visit and written quote first, then the bank. Without a real number you will borrow too little or too much.
Planning a renovation?
Free survey, written fixed price, contract and warranty. No obligation — see the price first, then decide.