TLRef Indexed Loan

Strengthen Your Business

Grow your business while maintaining financial stability with DestekBank TL REF-Indexed Loan.

Transparent and Advantageous Interest Rates

Make financial decisions with confidence through transparent interest rates that adapt to market conditions.

Move Forward with Confidence

Achieve your business growth goals with steady steps and simplify your financial management.

Who Can Benefit?

Commercial Firms

Corporate Companies

Basic Loan Conditions

Corporate, commercial, and SME businesses are eligible.

Loan limit approval is entirely at the discretion of the bank.

The bank reserves the right to make changes to the loan limit.

Frequently Asked Questions

A TL Reference Indexed Loan is a type of loan where the Turkish Lira is valued based on another financial instrument or indicator. It is usually determined based on economic indicators such as CPI (Consumer Price Index) or PPI (Producer Price Index). In such loans, interest rates can be updated according to changes in these indices.

Better Pricing : TL reference indexed loans make the future interest payments of businesses more predictable, especially since they are based on indicators used in the fight against inflation.

Reduced Exchange Rate Risk : TL-based interest rates can reduce the impact of exchange rate fluctuations and protect businesses from exchange rate risk.

Harmonized Cash Flow: Such loans can make the cash flow of businesses more balanced based on certain economic indicators.

Inflation Protection: If the loan interest rate is determined based on inflation indicators such as CPI or PPI, businesses may be better protected against inflation.

Enterprises of any size can use TL Ref Indexed Loans; retail enterprises can use CPI-based loans to hedge against price increases and stabilize their costs; and enterprises in the manufacturing and industrial sectors can use PPI-based loans to manage their production costs.

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