{"id":91237,"date":"2022-01-06T16:33:42","date_gmt":"2022-01-06T13:33:42","guid":{"rendered":"https:\/\/emlakey.com\/?p=91237"},"modified":"2022-01-06T16:35:07","modified_gmt":"2022-01-06T13:35:07","slug":"what-is-fek-letter-how-to-get-it","status":"publish","type":"post","link":"https:\/\/emlakey.com\/en\/what-is-fek-letter-how-to-get-it\/","title":{"rendered":"What is Fek Letter, How to Get It?"},"content":{"rendered":"<h2>What is Fek Letter, How to Get It?<\/h2>\n<p>If a house is purchased with a housing loan, the real estate is mortgaged by the bank until the loan expires. This practice is a precaution taken by the bank in case the borrower cannot pay his debt. The mortgage is removed when the person who buys real estate with credit pays all his debts to the bank. However, in order to remove the mortgage, the bank must first prepare a mortgage release letter.<\/p>\n<h2>What is a Mortgage Release Letter?<\/h2>\n<p>When the home loan is paid in full, the document prepared by the bank for the removal of the mortgage is called a waiver letter. The letter of release is delivered by the bank to the General Directorate of Land Registry and Cadastre, and after it is processed, the mortgage on the house can be removed.<\/p>\n<p>In Article 88 of the Land Registry Regulation of the General Directorate of Land Registry and Cadastre, it is stated that the citizens cannot hand over the documents. It has been stated that the bank applied for the waiver letter should send the waiver letter to the relevant land registry directorates.<\/p>\n<h2>How to Get Fek Letter?<\/h2>\n<p><img decoding=\"async\" src=\"https:\/\/sm.shbdn.com\/assets\/estate360\/common\/x_565_424_fek-yazisi-nasil-alinir.jpg\" alt=\"Fek Yaz\u0131s\u0131 Nedir, Nas\u0131l Al\u0131n\u0131r?\" title=\"\"><\/p>\n<p>In order to be asked for a letter of discharge from the bank, the home loan debt must be paid in full. The owner of the real estate requests the preparation of a waiver letter by applying to the bank from which he received a housing loan.<\/p>\n<p>Banks may request a mortgage release fee. For this reason, it should be checked whether there is a clause in the housing loan agreement signed between the borrower and the bank stating that no fee will be charged for the preparation of the mortgage release. Thus, the debtor, who has paid all the loan terms, can receive a letter of termination without paying an additional fee. If the bank demands a fee despite this article, the owner of the real estate has the right to object.<\/p>\n<h2>What are the Documents Required to Get a Fek Letter?<\/h2>\n<p>Here are the steps to follow to obtain the assignment letter required to remove the mortgage on the property:<\/p>\n<ul>\n<li>The title deed of the mortgaged property must be submitted.<\/li>\n<li>In the absence of a title deed, an official document containing the island and the plot numbers of the real estate must be brought.<\/li>\n<li>In the absence of a title deed or documents containing the island and parcel information, the verbal statement of the property owner is also valid.<\/li>\n<li>A copy of the identity card and a copy of the creditor or his representative and the debtor, the new owner of the property, must be submitted. An original copy of a passport or a lawyer&#8217;s ID can be presented in place of an ID.<\/li>\n<li>TC ID number is requested from real persons and tax number is requested from legal persons.<\/li>\n<li>One passport-sized photograph of the creditor and two 6&#215;4 photos of the debtor taken within the past six months.<\/li>\n<li>If there are representatives of the creditor or the new owner of the property, they may be asked to provide a document stating the authority to represent.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is Fek Letter, How to Get It? If a house is purchased with a housing loan, the real estate is mortgaged by the bank until the loan expires. This practice is a precaution taken by the bank in case the borrower cannot pay his debt. The mortgage is removed when the person who buys [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":89749,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[537],"tags":[],"class_list":["post-91237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-turkey-property-buying-guide"],"_links":{"self":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/posts\/91237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/comments?post=91237"}],"version-history":[{"count":0,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/posts\/91237\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/media\/89749"}],"wp:attachment":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/media?parent=91237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/categories?post=91237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/tags?post=91237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}