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Banking Regulation and Supervision Agency (BRSA), banks' lending rates seen yükseldiğinin acted upon. Executive Committee, to be effective from 1 January 2011 will the banks for housing loans, credit the amount of 75 per cent of the value of real estate, commercial real estate loans for purchase of real estate value of the collateral will be the subject has decided to not exceed 50 percent.

BRSA Chairman Tevfik Bilgin, "The main reason for the crises in the world of all mortgage loans has a large majority. The important thing is not the start of a job after graduating to take a precaution." saying that they think will grow more robust measures in this sector was expressed. BRSA in a statement, also to be used in determining this limit, which is the subject collateral value of residential or commercial real estate valuation companies authorized by the BRSA and the CMB has been detected in the received information being given to the compulsory decision.

December 18, 2010 CUMARTESİResmî GazeteSayı: 27,789

COUNCIL DECISION

Banking Regulation and Supervision Agency:

BANKING REGULATION AND SUPERVISION BOARD DECISION

Decision Number: 3980 Decision Date: 16/12/2010

Attached letter dated 16/12/2010 sent to the Presidency of the Committee dated 16/12/2010 and numbered 26127 B.02.1.BDK.0.06.00.00.8-examination of text and attachments as a result of

With Article 43 of the Banking Law No. 5411 dated 01.11.2006 and published in the Official Gazette No. 26333 of the Regulation on Banks' Equity of the first paragraph of Article 10 (e) of paragraph based on the authority;

1 - as of 1/1/2011;

a) in order to obtain housing loans to consumers with kullandırılacak kullandırılacak consumer loans under the housing bond, the value of property taken as collateral, the rate of 75% of the loan amount,

b) The purchase of commercial real estate as collateral for the loan amount kullandırılacak tally of commercial real estate value of commercial loans 50%

with the limitation, to limit the issue of valuation of real estate as collateral for loans from the Board or authorized by the Capital Markets Board yaptırılmasına appraisal companies, and limiting the use of these values,

2 - subject to limitation as collateral for loans from the valuation of real estate appraisal companies authorized by the Board deems the Capital Markets Board, or if the entire loan amount, the limit is exceeded, the excess credit in the calculation of the amount deducted from the capital as the value of banks' own funds taking into account,

3 - for loans subject to limitation, in the Official Gazette No. 26333 dated 01.11.2006 issued under the provisions of the Regulation Regarding Measurement and Assessment of Capital Adequacy of Banks, were subjected to 50% lower risk weight in the presence of a collateral, the collateral The second paragraph in accordance with the value of the deduction of amounts deducted from the capital value and thus will be subject to a positive value in the calculation of equity capital within the framework of the second paragraph shall be reduced as the value taken into account,

4-5411 of the eighth paragraph of Article 87 of the Banking Law in the Official Gazette, the publication of this Decision

has been decided.