{"id":36646,"date":"2026-04-17T19:42:42","date_gmt":"2026-04-17T15:42:42","guid":{"rendered":"https:\/\/truhauz.com\/?p=36646"},"modified":"2026-05-07T18:31:23","modified_gmt":"2026-05-07T14:31:23","slug":"dubais-new-early-mortgage-model-for-off-plan-properties","status":"publish","type":"post","link":"https:\/\/truhauz.com\/tr\/dubais-new-early-mortgage-model-for-off-plan-properties\/","title":{"rendered":"Dubai\u2019nin \u0130n\u015fa Halindeki Gayrimenkuller \u0130\u00e7in Yeni Erken \u0130potek Modeli"},"content":{"rendered":"<p><!-- ============================================================\n     TRUHAUZ \u2014 EARLY MORTGAGE FOR DUBAI OFF-PLAN PROPERTIES\n     Based on: Gulf News (Apr 2026) & Dubai Chronicle (Apr 17 2026)\n     CSS prefix: thm-   No <html>\/<head>\/<body>\/\n\n<nav> tags\n     ============================================================ --><\/p>\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600&display=swap');<\/p>\n<p>\/* \u2500\u2500 RESET & BASE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-wrap *, .thm-wrap *::before, .thm-wrap *::after { box-sizing: border-box; margin: 0; padding: 0; }\n.thm-wrap { font-family: 'Inter', sans-serif; color: #1a1a2e; line-height: 1.7; background: #fff; }\n.thm-wrap h1, .thm-wrap h2, .thm-wrap h3, .thm-wrap h4 { font-family: 'Playfair Display', serif; }\n.thm-wrap a { color: #660033; text-decoration: none; }\n.thm-wrap p { color: #444; margin-bottom: 16px; font-size: 0.97rem; }\n.thm-wrap p:last-child { margin-bottom: 0; }\n.thm-wrap ul { list-style: none; padding: 0; }\n.thm-wrap ul li { position: relative; padding-left: 22px; margin-bottom: 9px; color: #444; font-size: 0.92rem; }\n.thm-wrap ul li::before { content: '\u203a'; position: absolute; left: 0; color: #660033; font-weight: 700; font-size: 1.1rem; line-height: 1.5; }\n.thm-container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }\n.thm-section { padding: 80px 0; }\n.thm-section-sm { padding: 56px 0; }<\/p>\n<p>\/* \u2500\u2500 NEWS BADGE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-tag {\n  display: inline-block;\n  background: #660033;\n  color: #fff !important;\n  font-size: 0.71rem;\n  font-weight: 600;\n  letter-spacing: 0.14em;\n  text-transform: uppercase;\n  margin-bottom: 14px;\n  padding: 5px 16px;\n  border-radius: 100px;\n}\n.thm-tag-gold {\n  display: inline-block;\n  background: #c9a84c;\n  color: #1a1a2e !important;\n  font-size: 0.71rem;\n  font-weight: 700;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  padding: 4px 14px;\n  border-radius: 100px;\n  margin-right: 8px;\n}<\/p>\n<p>\/* \u2500\u2500 HERO \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-hero {\n  position: relative;\n  min-height: 600px;\n  display: flex;\n  align-items: flex-end;\n  background: #1a1a2e;\n  overflow: hidden;\n}\n.thm-hero-bg {\n  position: absolute;\n  inset: 0;\n  background: linear-gradient(135deg, #0d0820 0%, #660033 45%, #1a1a2e 80%);\n}\n.thm-hero-bg::after {\n  content: '';\n  position: absolute;\n  inset: 0;\n  background: radial-gradient(ellipse at 70% 30%, rgba(201,168,76,0.18) 0%, transparent 60%);\n}\n.thm-hero-overlay {\n  position: absolute;\n  inset: 0;\n  background: linear-gradient(to top, rgba(10,5,15,0.92) 0%, rgba(10,5,15,0.25) 65%, transparent 100%);\n}\n.thm-hero-content {\n  position: relative;\n  z-index: 2;\n  padding: 64px 24px 68px;\n  max-width: 880px;\n  margin: 0 auto;\n  width: 100%;\n}\n.thm-hero-eyebrow {\n  display: inline-flex;\n  align-items: center;\n  gap: 8px;\n  margin-bottom: 22px;\n}\n.thm-hero-eyebrow-badge {\n  background: rgba(201,168,76,0.22);\n  border: 1px solid #c9a84c;\n  color: #c9a84c !important;\n  font-size: 0.71rem;\n  font-weight: 600;\n  letter-spacing: 0.16em;\n  text-transform: uppercase;\n  padding: 5px 16px;\n  border-radius: 100px;\n}\n.thm-hero-eyebrow-date {\n  font-size: 0.78rem;\n  color: rgba(255,255,255,0.5);\n}\n.thm-hero h1 {\n  font-size: clamp(2rem, 5vw, 3.3rem);\n  color: #fff !important;\n  line-height: 1.18;\n  margin-bottom: 20px;\n}\n.thm-hero-sub {\n  font-size: 1.08rem;\n  color: rgba(255,255,255,0.82) !important;\n  max-width: 660px;\n  margin-bottom: 36px;\n  line-height: 1.75;\n}\n.thm-hero-stats {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 14px;\n  margin-bottom: 38px;\n}\n.thm-hero-stat {\n  background: rgba(255,255,255,0.09);\n  border: 1px solid rgba(255,255,255,0.18);\n  border-radius: 10px;\n  padding: 14px 22px;\n  backdrop-filter: blur(8px);\n  min-width: 130px;\n}\n.thm-hero-stat strong {\n  display: block;\n  font-size: 1.45rem;\n  font-weight: 700;\n  color: #c9a84c !important;\n  font-family: 'Playfair Display', serif;\n  line-height: 1.1;\n}\n.thm-hero-stat span {\n  font-size: 0.76rem;\n  color: rgba(255,255,255,0.65) !important;\n  margin-top: 3px;\n  display: block;\n}\n.thm-hero-cta {\n  display: inline-block;\n  background: #660033;\n  color: #fff !important;\n  font-weight: 600;\n  padding: 14px 32px;\n  border-radius: 6px;\n  font-size: 0.95rem;\n  transition: background 0.2s;\n  margin-right: 12px;\n  margin-bottom: 10px;\n  font-family: 'Inter', sans-serif;\n}\n.thm-hero-cta:hover { background: #4d0026; }\n.thm-hero-cta-outline {\n  display: inline-block;\n  background: transparent;\n  border: 2px solid rgba(255,255,255,0.55);\n  color: #fff !important;\n  font-weight: 600;\n  padding: 12px 28px;\n  border-radius: 6px;\n  font-size: 0.95rem;\n  transition: border-color 0.2s;\n  margin-bottom: 10px;\n  font-family: 'Inter', sans-serif;\n}\n.thm-hero-cta-outline:hover { border-color: #fff; }<\/p>\n<p>\/* \u2500\u2500 BREAKING NEWS BANNER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-breaking {\n  background: #fdf5f8;\n  border-top: 4px solid #660033;\n  border-bottom: 1px solid #f0e0e8;\n  padding: 22px 0;\n}\n.thm-breaking-inner {\n  display: flex;\n  align-items: flex-start;\n  gap: 16px;\n  flex-wrap: wrap;\n}\n.thm-breaking-label {\n  background: #660033;\n  color: #fff;\n  font-size: 0.68rem;\n  font-weight: 700;\n  letter-spacing: 0.14em;\n  text-transform: uppercase;\n  padding: 4px 12px;\n  border-radius: 4px;\n  flex-shrink: 0;\n  margin-top: 2px;\n}\n.thm-breaking p {\n  color: #333;\n  font-size: 0.92rem;\n  margin: 0;\n  line-height: 1.6;\n}\n.thm-breaking strong { color: #660033; }\n.thm-breaking a { color: #660033; text-decoration: underline; font-size: 0.82rem; }<\/p>\n<p>\/* \u2500\u2500 INTRO GRID \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-intro-grid {\n  display: grid;\n  grid-template-columns: 1fr 1fr;\n  gap: 64px;\n  align-items: center;\n}\n.thm-intro-visual {\n  border-radius: 14px;\n  overflow: hidden;\n  box-shadow: 0 24px 64px rgba(102,0,51,0.15);\n  aspect-ratio: 4\/3;\n  background: linear-gradient(135deg, #1a1a2e 0%, #660033 60%, #9b004d 100%);\n  display: flex;\n  flex-direction: column;\n  align-items: center;\n  justify-content: center;\n  gap: 14px;\n  padding: 32px;\n  position: relative;\n}\n.thm-intro-visual::after {\n  content: '';\n  position: absolute;\n  inset: 0;\n  background: radial-gradient(ellipse at 80% 20%, rgba(201,168,76,0.2) 0%, transparent 55%);\n}\n.thm-intro-visual-icon { font-size: 3.5rem; position: relative; z-index: 1; }\n.thm-intro-visual p { color: rgba(255,255,255,0.75); font-size: 0.85rem; text-align: center; position: relative; z-index: 1; line-height: 1.5; }\n.thm-intro-visual-badge {\n  position: relative; z-index: 1;\n  background: rgba(201,168,76,0.2);\n  border: 1px solid #c9a84c;\n  color: #c9a84c;\n  font-size: 0.75rem;\n  font-weight: 600;\n  padding: 5px 16px;\n  border-radius: 100px;\n  letter-spacing: 0.08em;\n}\n.thm-intro-text h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); margin-bottom: 18px; color: #1a1a2e; line-height: 1.3; }\n.thm-highlight-box {\n  background: #fff8f0;\n  border-left: 4px solid #c9a84c;\n  padding: 16px 20px;\n  border-radius: 0 8px 8px 0;\n  margin-top: 20px;\n  color: #333;\n  font-size: 0.91rem;\n  line-height: 1.7;\n}<\/p>\n<p>\/* \u2500\u2500 STATS STRIP \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-stats-strip { background: #660033; padding: 56px 0; }\n.thm-stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }\n.thm-stat-item strong {\n  display: block;\n  font-size: clamp(1.8rem, 3.5vw, 2.5rem);\n  font-family: 'Playfair Display', serif;\n  color: #c9a84c !important;\n  line-height: 1;\n  margin-bottom: 8px;\n}\n.thm-stat-item p { font-size: 0.84rem; color: rgba(255,255,255,0.82) !important; line-height: 1.45; margin: 0; }<\/p>\n<p>\/* \u2500\u2500 SECTION TITLES \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-section-title { font-size: clamp(1.7rem, 3vw, 2.4rem); margin-bottom: 16px; color: #1a1a2e; }\n.thm-section-sub { color: #555; max-width: 640px; margin-bottom: 48px; font-size: 1rem; }\n.thm-center { text-align: center; }\n.thm-center .thm-section-sub { margin-left: auto; margin-right: auto; }<\/p>\n<p>\/* \u2500\u2500 PARTNERSHIP CARDS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-partner-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 48px; }\n.thm-partner-card {\n  background: #fff;\n  border-radius: 16px;\n  padding: 32px 28px;\n  box-shadow: 0 6px 32px rgba(0,0,0,0.07);\n  border-top: 5px solid #660033;\n  position: relative;\n  overflow: hidden;\n}\n.thm-partner-card::after {\n  content: '';\n  position: absolute;\n  bottom: 0; right: 0;\n  width: 100px; height: 100px;\n  background: radial-gradient(circle, rgba(201,168,76,0.08) 0%, transparent 70%);\n}\n.thm-partner-date {\n  font-size: 0.75rem;\n  color: #888;\n  font-weight: 500;\n  margin-bottom: 8px;\n}\n.thm-partner-card h3 { font-size: 1.2rem; color: #1a1a2e; margin-bottom: 12px; }\n.thm-partner-card p { font-size: 0.88rem; color: #555; margin-bottom: 16px; }\n.thm-partner-brands {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-top: 16px;\n}\n.thm-brand-pill {\n  background: #fdf5f8;\n  border: 1px solid #f0d0dc;\n  color: #660033;\n  font-size: 0.76rem;\n  font-weight: 600;\n  padding: 4px 12px;\n  border-radius: 100px;\n}<\/p>\n<p>\/* \u2500\u2500 HOW IT WORKS (STEPS) \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-steps-wrap { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }\n.thm-step {\n  border: 1px solid #ebe0e8;\n  border-radius: 14px;\n  padding: 28px 24px;\n  background: #fff;\n  box-shadow: 0 4px 20px rgba(0,0,0,0.04);\n  transition: transform 0.2s, box-shadow 0.2s;\n  position: relative;\n  overflow: hidden;\n}\n.thm-step::before {\n  content: '';\n  position: absolute;\n  top: 0; left: 0; right: 0;\n  height: 4px;\n  background: linear-gradient(90deg, #660033, #9b004d);\n}\n.thm-step:hover { transform: translateY(-4px); box-shadow: 0 14px 44px rgba(102,0,51,0.12); }\n.thm-step-num {\n  font-size: 2.2rem;\n  font-weight: 700;\n  font-family: 'Playfair Display', serif;\n  color: rgba(102,0,51,0.18);\n  line-height: 1;\n  margin-bottom: 12px;\n}\n.thm-step h3 { font-size: 1.05rem; margin-bottom: 10px; color: #1a1a2e; }\n.thm-step p { font-size: 0.87rem; color: #555; line-height: 1.65; margin: 0; }<\/p>\n<p>\/* \u2500\u2500 VS COMPARISON \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-vs-bg { background: #fdf8fa; }\n.thm-vs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; margin-top: 40px; }\n.thm-vs-card {\n  border-radius: 14px;\n  padding: 28px 26px;\n}\n.thm-vs-card.old {\n  background: #f8f8f8;\n  border: 1px solid #e0e0e0;\n}\n.thm-vs-card.new {\n  background: #fff;\n  border: 2px solid #660033;\n  box-shadow: 0 6px 32px rgba(102,0,51,0.1);\n}\n.thm-vs-card h4 {\n  font-size: 0.8rem;\n  font-weight: 700;\n  letter-spacing: 0.12em;\n  text-transform: uppercase;\n  margin-bottom: 16px;\n  padding-bottom: 12px;\n  border-bottom: 1px solid #eee;\n  font-family: 'Inter', sans-serif;\n}\n.thm-vs-card.old h4 { color: #888; }\n.thm-vs-card.new h4 { color: #660033; }\n.thm-vs-card h3 { font-size: 1.1rem; margin-bottom: 14px; color: #1a1a2e; }\n.thm-vs-row {\n  display: flex;\n  gap: 10px;\n  align-items: flex-start;\n  margin-bottom: 12px;\n  font-size: 0.88rem;\n  color: #444;\n}\n.thm-vs-row-icon { font-size: 0.9rem; flex-shrink: 0; margin-top: 1px; }<\/p>\n<p>\/* \u2500\u2500 ELIGIBILITY TABLE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-table-wrap { overflow-x: auto; margin-top: 36px; }\n.thm-table { width: 100%; border-collapse: collapse; font-size: 0.88rem; }\n.thm-table th {\n  background: #660033;\n  color: #fff !important;\n  text-align: left;\n  padding: 14px 16px;\n  font-size: 0.8rem;\n  font-weight: 600;\n  letter-spacing: 0.04em;\n}\n.thm-table td { padding: 13px 16px; border-bottom: 1px solid #f0e8ec; color: #333; vertical-align: top; }\n.thm-table tr:last-child td { border-bottom: none; }\n.thm-table tr:nth-child(even) td { background: #fdf5f8; }\n.thm-table td:first-child { font-weight: 600; color: #1a1a2e; }\n.thm-check { color: #1a7a1a; font-weight: 700; }\n.thm-cross { color: #c0392b; }<\/p>\n<p>\/* \u2500\u2500 BENEFIT ITEMS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }\n.thm-benefit {\n  background: #fafafa;\n  border: 1px solid #ede0e8;\n  border-radius: 12px;\n  padding: 24px 20px;\n  display: flex;\n  gap: 14px;\n  align-items: flex-start;\n  transition: box-shadow 0.2s;\n}\n.thm-benefit:hover { box-shadow: 0 6px 24px rgba(102,0,51,0.08); }\n.thm-benefit-icon {\n  width: 44px; height: 44px;\n  background: #660033;\n  border-radius: 10px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  flex-shrink: 0;\n  font-size: 1.3rem;\n}\n.thm-benefit h4 { font-size: 0.94rem; margin-bottom: 5px; color: #1a1a2e; font-family: 'Inter', sans-serif; font-weight: 700; }\n.thm-benefit p { font-size: 0.82rem; color: #666; line-height: 1.55; margin: 0; }<\/p>\n<p>\/* \u2500\u2500 PROJECTS GRID \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-projects-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 40px; }\n.thm-project-card {\n  border-radius: 14px;\n  overflow: hidden;\n  box-shadow: 0 4px 24px rgba(0,0,0,0.08);\n  background: #fff;\n  border: 1px solid #ede0e8;\n  transition: transform 0.2s, box-shadow 0.2s;\n}\n.thm-project-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(102,0,51,0.12); }\n.thm-project-header {\n  padding: 24px 22px 20px;\n  background: linear-gradient(135deg, #660033 0%, #9b004d 100%);\n  color: #fff;\n  min-height: 110px;\n  display: flex;\n  flex-direction: column;\n  justify-content: flex-end;\n}\n.thm-project-header h3 { font-size: 1.15rem; color: #fff !important; margin-bottom: 4px; }\n.thm-project-header span { font-size: 0.76rem; color: rgba(255,255,255,0.7); }\n.thm-project-body { padding: 20px 22px; }\n.thm-project-body p { font-size: 0.86rem; color: #555; line-height: 1.6; margin: 0; }\n.thm-project-tag {\n  display: inline-block;\n  background: #fdf5f8;\n  color: #660033;\n  font-size: 0.72rem;\n  font-weight: 600;\n  padding: 3px 10px;\n  border-radius: 100px;\n  margin-bottom: 10px;\n  border: 1px solid #f0d0dc;\n}<\/p>\n<p>\/* \u2500\u2500 CHECKLIST \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-checklist-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 40px; }\n.thm-checklist-card {\n  background: #fff;\n  border: 1px solid #ede0e8;\n  border-radius: 12px;\n  padding: 26px 24px;\n  box-shadow: 0 3px 16px rgba(0,0,0,0.04);\n}\n.thm-checklist-card h4 {\n  font-size: 0.94rem;\n  margin-bottom: 16px;\n  color: #1a1a2e;\n  font-family: 'Inter', sans-serif;\n  font-weight: 700;\n  display: flex; align-items: center; gap: 8px;\n  padding-bottom: 12px;\n  border-bottom: 1px solid #f5eef5;\n}\n.thm-checklist-card ul li {\n  padding: 7px 0 7px 26px;\n  border-bottom: 1px solid #faf5f8;\n  font-size: 0.87rem;\n  color: #444;\n}\n.thm-checklist-card ul li:last-child { border-bottom: none; }\n.thm-checklist-card ul li::before { content: '\u2713'; color: #660033; font-weight: 700; }<\/p>\n<p>\/* \u2500\u2500 FAQ \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-faq-list { margin-top: 40px; }\n.thm-faq-item {\n  border: 1px solid #ede0e8;\n  border-radius: 10px;\n  margin-bottom: 10px;\n  background: #fff;\n}\n.thm-faq-q {\n  padding: 18px 20px;\n  font-weight: 600;\n  color: #1a1a2e;\n  font-size: 0.97rem;\n  cursor: pointer;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  gap: 12px;\n}\n.thm-faq-q::after { content: '+'; color: #660033; font-size: 1.5rem; font-weight: 300; flex-shrink: 0; }\n.thm-faq-a { padding: 0 20px 18px; color: #555; font-size: 0.9rem; line-height: 1.7; }<\/p>\n<p>\/* \u2500\u2500 CTA \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-callout {\n  background: linear-gradient(135deg, #1a1a2e 0%, #660033 100%);\n  border-radius: 16px;\n  padding: 52px 44px;\n  text-align: center;\n}\n.thm-callout h3 { font-size: clamp(1.5rem, 3vw, 2.1rem); color: #fff !important; margin-bottom: 14px; }\n.thm-callout p { color: rgba(255,255,255,0.82) !important; max-width: 560px; margin: 0 auto 30px; font-size: 0.97rem; }\n.thm-callout a {\n  display: inline-block;\n  background: #c9a84c;\n  color: #1a1a2e !important;\n  font-weight: 700;\n  padding: 15px 40px;\n  border-radius: 6px;\n  font-size: 0.95rem;\n  transition: background 0.2s;\n}\n.thm-callout a:hover { background: #e0be6a; }<\/p>\n<p>\/* \u2500\u2500 SOURCES BAR \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.thm-sources {\n  background: #f8f4f6;\n  border-top: 1px solid #ede0e8;\n  padding: 24px 0;\n}\n.thm-sources p { font-size: 0.8rem; color: #888; margin: 0; }\n.thm-sources a { color: #660033; text-decoration: underline; font-size: 0.8rem; }<\/p>\n<p>\/* \u2500\u2500 RESPONSIVE \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n@media (max-width: 960px) {\n  .thm-intro-grid, .thm-partner-grid, .thm-vs-grid { grid-template-columns: 1fr; }\n  .thm-intro-visual { display: none; }\n  .thm-steps-wrap, .thm-benefits-grid, .thm-projects-grid { grid-template-columns: 1fr 1fr; }\n  .thm-stats-grid { grid-template-columns: repeat(2, 1fr); }\n}\n@media (max-width: 600px) {\n  .thm-steps-wrap, .thm-benefits-grid, .thm-projects-grid,\n  .thm-checklist-grid { grid-template-columns: 1fr; }\n  .thm-callout { padding: 36px 24px; }\n  .thm-hero-stats { gap: 10px; }\n}\n<\/style>\n<div class=\"thm-wrap\">\n<p>  <!-- \u2500\u2500 HERO \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-hero\">\n<div class=\"thm-hero-bg\"><\/div>\n<div class=\"thm-hero-overlay\"><\/div>\n<div class=\"thm-hero-content\">\n<div class=\"thm-hero-eyebrow\">\n        <span class=\"thm-hero-eyebrow-badge\">Piyasa G\u00fcncellemesi \u00b7 Nisan 2026<\/span><br \/>\n        <span class=\"thm-hero-eyebrow-date\">Dubai Emlak<\/span>\n      <\/div>\n<h1>Dubai&#039;nin Yeni Erken \u0130potek Uygulamas\u0131<br \/>Proje A\u015famas\u0131ndaki Gayrimenkuller i\u00e7in Model<\/h1>\n<p class=\"thm-hero-sub\">Emirates NBD, al\u0131c\u0131lar\u0131n ipotek finansman\u0131 sa\u011flamas\u0131na olanak tan\u0131mak i\u00e7in Dubai Holding Real Estate ve Sobha Realty ile ortakl\u0131k kurdu. <strong style=\"color:#c9a84c;\">rezervasyon a\u015famas\u0131<\/strong> \u2014 Dubai&#039;de proje a\u015famas\u0131ndaki gayrimenkullerin sat\u0131n al\u0131nma \u015feklini de\u011fi\u015ftiren \u00f6nemli bir d\u00f6n\u00fc\u015f\u00fcm.<\/p>\n<div class=\"thm-hero-stats\">\n<div class=\"thm-hero-stat\">\n          <strong>Rezervasyon<\/strong><br \/>\n          <span>A\u015famal\u0131 Finansman \u0130mkan\u0131 Mevcuttur<\/span>\n        <\/div>\n<div class=\"thm-hero-stat\">\n          <strong>60%+<\/strong><br \/>\n          <span>Dubai&#039;deki sat\u0131\u015flar\u0131n b\u00fcy\u00fck bir k\u0131sm\u0131 proje a\u015famas\u0131nda ger\u00e7ekle\u015fiyor.<\/span>\n        <\/div>\n<div class=\"thm-hero-stat\">\n          <strong>3 Marka<\/strong><br \/>\n          <span>Meraas, Nakheel, Dubai Gayrimenkulleri<\/span>\n        <\/div>\n<div class=\"thm-hero-stat\">\n          <strong>Res + NR<\/strong><br \/>\n          <span>Yerle\u015fik ve Yerle\u015fik Olmayanlar<\/span>\n        <\/div>\n<\/p><\/div>\n<p>      <a href=\"https:\/\/truhauz.com\/tr\/iletisim\/\" class=\"thm-hero-cta\">Bir Uzmana Dan\u0131\u015f\u0131n<\/a><br \/>\n      <a href=\"#how-it-works\" class=\"thm-hero-cta-outline\">Nas\u0131l \u00c7al\u0131\u015f\u0131r<\/a>\n    <\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 BREAKING NEWS BANNER \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-breaking\">\n<div class=\"thm-container\">\n<div class=\"thm-breaking-inner\">\n        <span class=\"thm-breaking-label\">Son Dakika<\/span><\/p>\n<p>\n          <strong>Nisan 2026:<\/strong> Dubai Holding Real Estate ve Emirates NBD, entegre proje a\u015famas\u0131ndaki konut kredisi finansman\u0131n\u0131 sunmak \u00fczere \u00e7\u0131\u011f\u0131r a\u00e7an bir ortakl\u0131k duyurdu. <strong>Meraas, Nakheel ve Dubai Properties<\/strong> Projeler \u2014 al\u0131c\u0131lara rezervasyon a\u015famas\u0131nda banka finansman\u0131na eri\u015fim imkan\u0131 sa\u011fl\u0131yor. Birka\u00e7 g\u00fcn \u00f6nce Emirates NBD de benzer bir anla\u015fmay\u0131 duyurmu\u015ftu. <strong>Sobha Realty<\/strong>. Bu, Dubai&#039;de proje a\u015famas\u0131ndaki konutlar\u0131n finansman y\u00f6nteminde temel bir de\u011fi\u015fikli\u011fi temsil ediyor.<br \/>\n          <br \/><small>Kaynaklar: <a href=\"https:\/\/gulfnews.com\/business\/banking\/dubais-emiratesnbd-opens-earlier-mortgage-access-for-off-plan-dubai-holding-properties-1.500508600\" target=\"_blank\" rel=\"noopener\">K\u00f6rfez Haberleri<\/a> \u00b7 <a href=\"https:\/\/www.dubaichronicle.com\/2026\/04\/17\/early-mortgage-dubai-how-off-plan-property-financing\/\" target=\"_blank\" rel=\"noopener\">Dubai Kroni\u011fi<\/a><\/small>\n        <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 WHAT IS CHANGING? \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fff;\">\n<div class=\"thm-container\">\n<div class=\"thm-intro-grid\">\n<div class=\"thm-intro-visual\">\n<div class=\"thm-intro-visual-icon\">\ud83c\udfd7\ufe0f<\/div>\n<p>Konut kredisi finansman\u0131 art\u0131k \u015fu a\u015famada ba\u015fl\u0131yor: <strong style=\"color:#c9a84c;\">rezervasyon a\u015famas\u0131<\/strong>, devir teslim s\u0131ras\u0131nda de\u011fil<\/p>\n<p>          <span class=\"thm-intro-visual-badge\">Nisan 2026 \u00b7 Yeni Model<\/span>\n        <\/div>\n<div>\n          <span class=\"thm-tag\">B\u00fcy\u00fck De\u011fi\u015fim<\/span><\/p>\n<h2 class=\"thm-section-title\" style=\"margin-bottom:18px;\">Ger\u00e7ekte Ne De\u011fi\u015fti?<\/h2>\n<p>Geleneksel olarak, Dubai&#039;de proje a\u015famas\u0131ndaki gayrimenkulleri sat\u0131n alanlar \u015funlara g\u00fcveniyordu: <strong>geli\u015ftirici \u00f6deme planlar\u0131<\/strong> \u0130n\u015faat s\u0131ras\u0131nda, birka\u00e7 ayda bir a\u015fama bazl\u0131 nakit \u00f6demeler yap\u0131l\u0131yordu. Banka ipotekleri ise ancak proje tamamlanmaya yak\u0131n veya teslim tarihine yakla\u015f\u0131ld\u0131\u011f\u0131nda d\u00fczenleniyordu.<\/p>\n<p>Bu model art\u0131k de\u011fi\u015fiyor. Emirates NBD&#039;nin yeni ortakl\u0131klar\u0131... <strong>Dubai Gayrimenkul Holdingi<\/strong> (Meraas, Nakheel ve Dubai Properties&#039;i kapsayan) ve <strong>Sobha Realty<\/strong> Yap\u0131land\u0131r\u0131lm\u0131\u015f banka finansman\u0131n\u0131, al\u0131c\u0131n\u0131n bir daire rezervasyonu yapt\u0131\u011f\u0131 andan itibaren, do\u011frudan geli\u015ftiricinin sat\u0131\u015f s\u00fcrecine entegre edin.<\/p>\n<p>Al\u0131c\u0131lar art\u0131k y\u0131llarca ipotek kredisi beklemek yerine, bir m\u00fclk\u00fc ilk rezerve ettikleri anda \u00f6n onay ba\u015fvurusunda bulunabilir, toplam finansal y\u00fck\u00fcml\u00fcl\u00fckleri konusunda erken netlik kazanabilir ve in\u015faat ilerledik\u00e7e bankan\u0131n fonlar\u0131n\u0131n kademeli olarak serbest b\u0131rak\u0131lmas\u0131n\u0131 sa\u011flayabilirler.<\/p>\n<div class=\"thm-highlight-box\">\n            <strong>Sonu\u00e7:<\/strong> Daha fazla finansal g\u00fcvence, daha iyi sat\u0131n alma planlamas\u0131 ve rezervasyondan anahtar teslimine kadar daha sorunsuz bir s\u00fcre\u00e7; hem BAE sakinleri hem de uluslararas\u0131 al\u0131c\u0131lar i\u00e7in ge\u00e7erli.\n          <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 STATS STRIP \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-stats-strip\">\n<div class=\"thm-container\">\n<div class=\"thm-stats-grid\">\n<div class=\"thm-stat-item\">\n          <strong>60%+<\/strong><\/p>\n<p>2025 y\u0131l\u0131nda Dubai&#039;deki konut i\u015flemlerinin bir k\u0131sm\u0131 hen\u00fcz proje a\u015famas\u0131ndayd\u0131.<\/p>\n<\/p><\/div>\n<div class=\"thm-stat-item\">\n          <strong>AED 544B<\/strong><\/p>\n<p>2025 y\u0131l\u0131nda Dubai&#039;de kaydedilen toplam proje a\u015famas\u0131ndaki sat\u0131\u015f de\u011feri<\/p>\n<\/p><\/div>\n<div class=\"thm-stat-item\">\n          <strong>2 F\u0131rsat<\/strong><\/p>\n<p>Emirates&#039;in Nisan 2026&#039;daki NBD ortakl\u0131klar\u0131 (Dubai Holding + Sobha)<\/p>\n<\/p><\/div>\n<div class=\"thm-stat-item\">\n          <strong>Rezervasyon<\/strong><\/p>\n<p>Al\u0131c\u0131lar\u0131n art\u0131k banka ipotek onay\u0131na eri\u015febilecekleri a\u015fama.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 PARTNERSHIPS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fafafa;\">\n<div class=\"thm-container\">\n<div class=\"thm-center\">\n        <span class=\"thm-tag\">Nisan 2026 Duyurular\u0131<\/span><\/p>\n<h2 class=\"thm-section-title\">Proje A\u015famas\u0131ndaki Konut Finansman\u0131n\u0131 Yeniden \u015eekillendiren \u0130ki \u00d6nemli Ortakl\u0131k<\/h2>\n<p class=\"thm-section-sub\">Emirates NBD, birka\u00e7 g\u00fcn arayla, Dubai&#039;nin en \u00f6nde gelen konut geli\u015ftiricilerinden baz\u0131lar\u0131n\u0131 kapsayan iki entegre finansman ortakl\u0131\u011f\u0131n\u0131 duyurdu.<\/p>\n<\/p><\/div>\n<div class=\"thm-partner-grid\">\n<div class=\"thm-partner-card\">\n<div class=\"thm-partner-date\">\ud83d\udcc5 16 Nisan 2026&#039;da duyuruldu<\/div>\n<h3>Emirates NBD \u00d7 Dubai Holding Gayrimenkul<\/h3>\n<p>Dubai&#039;nin en ikonik konut projelerinden baz\u0131lar\u0131n\u0131n arkas\u0131ndaki ana geli\u015ftirici olan Dubai Holding Real Estate, Emirates NBD ile ortakl\u0131k kurarak ipotek finansman\u0131n\u0131 do\u011frudan proje a\u015famas\u0131ndaki sat\u0131\u015f s\u00fcrecine entegre etti. \u00dc\u00e7 b\u00fcy\u00fck marka portf\u00f6y\u00fcndeki al\u0131c\u0131lar art\u0131k rezervasyon a\u015famas\u0131nda \u00f6n onay ba\u015fvurusunda bulunabiliyor.<\/p>\n<p>Bu d\u00fczenleme, yap\u0131land\u0131r\u0131lm\u0131\u015f ipotek \u00e7\u00f6z\u00fcmlerinin geli\u015ftiricinin sat\u0131\u015f s\u00fcrecine entegre edilmesini sa\u011flayarak, erken a\u015famada \u00f6deme g\u00fcc\u00fc konusunda netlik ve rezervasyondan teslimata kadar sorunsuz bir yol sunuyor.<\/p>\n<div class=\"thm-partner-brands\">\n            <span class=\"thm-brand-pill\">Meraas<\/span><br \/>\n            <span class=\"thm-brand-pill\">Nakheel<\/span><br \/>\n            <span class=\"thm-brand-pill\">Dubai Properties<\/span><br \/>\n            <span class=\"thm-brand-pill\">Sakinler \u2713<\/span><br \/>\n            <span class=\"thm-brand-pill\">Yabanc\u0131 Uyruklular \u2713<\/span>\n          <\/div>\n<\/p><\/div>\n<div class=\"thm-partner-card\">\n<div class=\"thm-partner-date\">\ud83d\udcc5 14 Nisan 2026&#039;da duyuruldu<\/div>\n<h3>Emirates NBD \u00d7 Sobha Realty<\/h3>\n<p>Bundan sadece iki g\u00fcn \u00f6nce, Emirates NBD, Dubai genelinde proje a\u015famas\u0131ndaki konutlar\u0131n al\u0131c\u0131lar\u0131na entegre ev finansman\u0131 \u00e7\u00f6z\u00fcmleri sunmak \u00fczere, \u00fcst d\u00fczey l\u00fcks konut geli\u015ftiricisi Sobha Realty ile stratejik bir ortakl\u0131k duyurdu. Bu ortakl\u0131k, Sobha&#039;n\u0131n uluslararas\u0131 al\u0131c\u0131 taban\u0131 i\u00e7in erken a\u015fama finansman\u0131nda \u015feffafl\u0131k ve daha h\u0131zl\u0131 i\u015flem imkan\u0131 sa\u011fl\u0131yor.<\/p>\n<p>Ultra l\u00fcks, kendi geli\u015ftirdi\u011fi projeleriyle tan\u0131nan Sobha&#039;n\u0131n portf\u00f6y\u00fc, Hindistan&#039;da ikamet etmeyen Hintlilerin ve uluslararas\u0131 yat\u0131r\u0131mc\u0131lar\u0131n \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fc cezbetmekte olup, eri\u015filebilir erken ipotek \u00e7\u00f6z\u00fcmlerini \u00f6zellikle etkili k\u0131lmaktad\u0131r.<\/p>\n<div class=\"thm-partner-brands\">\n            <span class=\"thm-brand-pill\">Sobha Hartland<\/span><br \/>\n            <span class=\"thm-brand-pill\">Sobha Seahaven<\/span><br \/>\n            <span class=\"thm-brand-pill\">T\u00fcm Sobha Projeleri<\/span><br \/>\n            <span class=\"thm-brand-pill\">Sakinler \u2713<\/span><br \/>\n            <span class=\"thm-brand-pill\">Yabanc\u0131 Uyruklular \u2713<\/span>\n          <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 HOW IT WORKS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div id=\"how-it-works\" class=\"thm-section\" style=\"background:#fff;\">\n<div class=\"thm-container\">\n<div class=\"thm-center\">\n        <span class=\"thm-tag\">S\u00fcre\u00e7<\/span><\/p>\n<h2 class=\"thm-section-title\">Erken A\u015fama Konut Kredisi Nas\u0131l \u0130\u015fler?<\/h2>\n<p class=\"thm-section-sub\">Yeni modelde, finansman, geli\u015ftiricinin sat\u0131\u015f s\u00fcrecine ilk g\u00fcnden itibaren entegre ediliyor; i\u015fte bu s\u00fcre\u00e7 \u015f\u00f6yle i\u015fliyor.<\/p>\n<\/p><\/div>\n<div class=\"thm-steps-wrap\">\n<div class=\"thm-step\">\n<div class=\"thm-step-num\">01<\/div>\n<h3>\u00dcnitenizi ay\u0131rt\u0131n<\/h3>\n<p>Meraas, Nakheel, Dubai Properties, Sobha veya di\u011fer i\u015f ortaklar\u0131ndan uygun bir proje a\u015famas\u0131ndaki konut birimi se\u00e7in. Rezervasyon \u00fccretini \u00f6deyin ve rezervasyon formunu imzalay\u0131n.<\/p>\n<\/p><\/div>\n<div class=\"thm-step\">\n<div class=\"thm-step-num\">02<\/div>\n<h3>Mortgage \u00d6n Onay\u0131 \u0130\u00e7in Ba\u015fvurun<\/h3>\n<p>Rezervasyon a\u015famas\u0131nda (teslimat s\u0131ras\u0131nda de\u011fil) Emirates NBD konut kredisi \u00f6n onay\u0131na ba\u015fvurun. Banka, geliriniz, y\u00fck\u00fcml\u00fcl\u00fckleriniz ve kredi notunuz \u00fczerinde standart uygunluk kontrolleri yapar.<\/p>\n<\/p><\/div>\n<div class=\"thm-step\">\n<div class=\"thm-step-num\">03<\/div>\n<h3>Finansal Konularda Erken Netlik Kazan\u0131n<\/h3>\n<p>Onayland\u0131ktan sonra, in\u015faat ba\u015flamadan \u00f6nce bile tam olarak ne kadar bor\u00e7 alabilece\u011finizi, ayl\u0131k \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fcz\u00fc ve toplam finansman ko\u015fullar\u0131n\u0131z\u0131 bilirsiniz. \u0130n\u015faat a\u015famas\u0131nda hi\u00e7bir finansal belirsizlik ya\u015famazs\u0131n\u0131z.<\/p>\n<\/p><\/div>\n<div class=\"thm-step\">\n<div class=\"thm-step-num\">04<\/div>\n<h3>SPA&#039;y\u0131 imzalay\u0131n ve DLD&#039;ye kaydolun.<\/h3>\n<p>Sat\u0131\u015f ve Sat\u0131n Alma S\u00f6zle\u015fmesini imzalay\u0131n, pe\u015finat\u0131n\u0131z\u0131 geli\u015ftiricinin DLD emanet hesab\u0131na yat\u0131r\u0131n ve m\u00fclk\u00fc Dubai Arazi Dairesi&#039;ne kaydettirin. Banka ipotek teminat\u0131n\u0131 \u00f6nceden kaydeder.<\/p>\n<\/p><\/div>\n<div class=\"thm-step\">\n<div class=\"thm-step-num\">05<\/div>\n<h3>\u0130n\u015faat Ba\u011flant\u0131l\u0131 Fon Serbest B\u0131rak\u0131lmas\u0131<\/h3>\n<p>Banka, fonlar\u0131 projenin in\u015faat a\u015famalar\u0131na paralel olarak kademeli olarak serbest b\u0131rak\u0131r. Bu, al\u0131c\u0131n\u0131n her a\u015famada nakit \u00f6deme yapmas\u0131 yerine, in\u015faat a\u015famas\u0131 taksitlerini kapsar.<\/p>\n<\/p><\/div>\n<div class=\"thm-step\">\n<div class=\"thm-step-num\">06<\/div>\n<h3>Devir ve Geri \u00d6demeler Ba\u015fl\u0131yor<\/h3>\n<p>\u0130\u015flem tamamland\u0131\u011f\u0131nda tapu devredilir. Ayl\u0131k tam ipotek \u00f6demeleri ba\u015flar. Al\u0131c\u0131n\u0131n finansman yolculu\u011fu - rezervasyon a\u015famas\u0131nda ba\u015flayan - uzun vadeli m\u00fclkiyete sorunsuz bir \u015fekilde devam eder.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 OLD MODEL VS NEW MODEL \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section thm-vs-bg\">\n<div class=\"thm-container\">\n      <span class=\"thm-tag\">O zamanlar ve \u015fimdi<\/span><\/p>\n<h2 class=\"thm-section-title\">Geleneksel Model ve Yeni Yakla\u015f\u0131m<\/h2>\n<p class=\"thm-section-sub\">\u0130\u015fte bu durum, Dubai&#039;deki proje a\u015famas\u0131ndaki konut al\u0131c\u0131lar\u0131 i\u00e7in temelden de\u011fi\u015fti ve bu nedenle d\u00fcnya \u00e7ap\u0131ndaki yat\u0131r\u0131mc\u0131lar i\u00e7in de \u00f6nem ta\u015f\u0131yor.<\/p>\n<div class=\"thm-vs-grid\">\n<div class=\"thm-vs-card old\">\n<h4>\u274c Eski Model \u2014 Geleneksel Proje A\u015famas\u0131nda<\/h4>\n<h3>Sadece Geli\u015ftirici \u00d6deme Plan\u0131<\/h3>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83d\udcc5<\/span><br \/>\n            <span>\u0130potek kredisi ancak teslimat s\u0131ras\u0131nda veya teslimata yak\u0131n bir zamanda d\u00fczenlenir; bu genellikle rezervasyondan 2-4 y\u0131l sonra ger\u00e7ekle\u015fir.<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83d\udcb8<\/span><br \/>\n            <span>Al\u0131c\u0131, in\u015faat s\u00fcreci boyunca d\u00fczenli nakit \u00f6demelerini do\u011frudan m\u00fcteahhide yapar.<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\u2753<\/span><br \/>\n            <span>\u0130\u015flem tamamlanana kadar nihai finansman ko\u015fullar\u0131 konusunda kesinlik bulunmamaktad\u0131r.<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83c\udfe6<\/span><br \/>\n            <span>Devir a\u015famas\u0131nda piyasa faiz oranlar\u0131nda de\u011fi\u015fiklik veya kredi verme kriterlerinde s\u0131k\u0131la\u015fma riski<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83d\udccb<\/span><br \/>\n            <span>\u0130potek ba\u015fvurusu ve banka onay\u0131, devir teslim s\u0131ras\u0131nda zaman bask\u0131s\u0131 alt\u0131nda yap\u0131ld\u0131.<\/span>\n          <\/div>\n<\/p><\/div>\n<div class=\"thm-vs-card new\">\n<h4>\u2705 Yeni Model \u2014 Emirates NBD Entegre Finansman<\/h4>\n<h3>Booking&#039;den Erken A\u015fama Banka Konut Kredisi<\/h3>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83c\udfaf<\/span><br \/>\n            <span>Konut kredisi \u00f6n onay\u0131 \u015fu adreste al\u0131nd\u0131: <strong>rezervasyon a\u015famas\u0131<\/strong> \u2014 ilk g\u00fcnden itibaren tam finansal \u015feffafl\u0131k<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83c\udfd7\ufe0f<\/span><br \/>\n            <span>Banka, in\u015faat\u0131n a\u015famalar\u0131na ba\u011fl\u0131 olarak fonlar\u0131 kademeli olarak serbest b\u0131rak\u0131r; al\u0131c\u0131dan b\u00fcy\u00fck miktarda nakit \u00f6deme talep edilmez.<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83d\udca1<\/span><br \/>\n            <span>\u0130n\u015faat ba\u015flamadan \u00f6nce ayl\u0131k \u00f6demenizi, faiz oran\u0131n\u0131z\u0131 ve toplam taahh\u00fcd\u00fcn\u00fcz\u00fc \u00f6\u011frenin.<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83c\udf0d<\/span><br \/>\n            <span>Hem BAE sakinleri hem de yabanc\u0131lar i\u00e7in ge\u00e7erli \u2014 uluslararas\u0131 al\u0131c\u0131lar i\u00e7in kolayla\u015ft\u0131r\u0131lm\u0131\u015f s\u00fcre\u00e7.<\/span>\n          <\/div>\n<div class=\"thm-vs-row\">\n            <span class=\"thm-vs-row-icon\">\ud83d\udd17<\/span><br \/>\n            <span>Finansman, geli\u015ftirici sat\u0131\u015f s\u00fcrecinin ayr\u0131lmaz bir par\u00e7as\u0131d\u0131r; bu da daha h\u0131zl\u0131 i\u015flem ve basitle\u015ftirilmi\u015f dok\u00fcmantasyon anlam\u0131na gelir.<\/span>\n          <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 QUALIFYING PROJECTS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fff;\">\n<div class=\"thm-container\">\n      <span class=\"thm-tag\">Uygun Geli\u015fmeler<\/span><\/p>\n<h2 class=\"thm-section-title\">Hangi projeler uygun?<\/h2>\n<p class=\"thm-section-sub\">Yeni erken d\u00f6nem ipotek modeli \u015fu anda iki b\u00fcy\u00fck geli\u015ftirici grubun projelerini kaps\u0131yor. Piyasa bu finansman yap\u0131s\u0131n\u0131 benimsedik\u00e7e daha fazla ortakl\u0131\u011f\u0131n ger\u00e7ekle\u015fmesi bekleniyor.<\/p>\n<div class=\"thm-projects-grid\">\n<div class=\"thm-project-card\">\n<div class=\"thm-project-header\">\n<h3>Meraas<\/h3>\n<p>            <span>Dubai Holding Gayrimenkul Grubu<\/span>\n          <\/div>\n<div class=\"thm-project-body\">\n            <span class=\"thm-project-tag\">L\u00fcks ve Ya\u015fam Tarz\u0131<\/span><\/p>\n<p>City Walk, Bluewaters Island, La Mer, Port De La Mer ve Jumeirah Central projelerinin geli\u015ftiricisi. Dubai&#039;nin merkezinde yer alan, birinci s\u0131n\u0131f ve ya\u015fam tarz\u0131na entegre konut projeleriyle tan\u0131n\u0131yor.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-project-card\">\n<div class=\"thm-project-header\">\n<h3>Nakheel<\/h3>\n<p>            <span>Dubai Holding Gayrimenkul Grubu<\/span>\n          <\/div>\n<div class=\"thm-project-body\">\n            <span class=\"thm-project-tag\">Ana Topluluklar<\/span><\/p>\n<p>Palm Jumeirah, World Islands, Palm Jebel Ali ve DAMAC Hills ile Jumeirah Village gibi geni\u015f villa sitelerinin yarat\u0131c\u0131s\u0131. Dubai&#039;nin en b\u00fcy\u00fck ana geli\u015ftiricilerinden biri.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-project-card\">\n<div class=\"thm-project-header\">\n<h3>Dubai Properties<\/h3>\n<p>            <span>Dubai Holding Gayrimenkul Grubu<\/span>\n          <\/div>\n<div class=\"thm-project-body\">\n            <span class=\"thm-project-tag\">Sahil ve Topluluklar<\/span><\/p>\n<p>JBR (Jumeirah Beach Residence), Business Bay, Dubai Wharf ve Villanova&#039;n\u0131n geli\u015ftiricisi. Sahil kenar\u0131 dairelerinden orta s\u0131n\u0131f aile konutlar\u0131na kadar geni\u015f bir portf\u00f6ye sahip.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-project-card\">\n<div class=\"thm-project-header\" style=\"background:linear-gradient(135deg, #1a1a2e 0%, #660033 100%);\">\n<h3>Sobha Realty<\/h3>\n<p>            <span>Ba\u011f\u0131ms\u0131z L\u00fcks Geli\u015ftirici<\/span>\n          <\/div>\n<div class=\"thm-project-body\">\n            <span class=\"thm-project-tag\">Ultra L\u00fcks<\/span><\/p>\n<p>Sobha Hartland, Sobha Seahaven ve One Sobha gibi kendi geli\u015ftirdi\u011fi \u00fcst d\u00fczey konut projeleri. \u00d6zellikle Hindistan&#039;da ya\u015fayan Hintli yat\u0131r\u0131mc\u0131lar ve y\u00fcksek gelirli uluslararas\u0131 al\u0131c\u0131lar aras\u0131nda pop\u00fcler.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-project-card\" style=\"border: 2px dashed #ddd; box-shadow: none;\">\n<div class=\"thm-project-header\" style=\"background: #f0f0f0; min-height: 110px; justify-content: center; align-items: center;\">\n<h3 style=\"color:#aaa !important; font-size:1rem;\">Daha Fazlas\u0131 Yak\u0131nda<\/h3>\n<\/p><\/div>\n<div class=\"thm-project-body\">\n<p style=\"color:#aaa;\">Bu finansman modeli yayg\u0131nla\u015ft\u0131k\u00e7a, daha fazla geli\u015ftirici ortakl\u0131\u011f\u0131n\u0131n ger\u00e7ekle\u015fmesi bekleniyor. Bu trendin Dubai&#039;nin proje a\u015famas\u0131ndaki konut piyasas\u0131na da yay\u0131lmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-project-card\" style=\"border: 2px dashed #ddd; box-shadow: none;\">\n<div class=\"thm-project-header\" style=\"background: #f0f0f0; min-height: 110px; justify-content: center; align-items: center;\">\n<h3 style=\"color:#aaa !important; font-size:1rem;\">Di\u011fer RERA Projeleri<\/h3>\n<\/p><\/div>\n<div class=\"thm-project-body\">\n<p style=\"color:#aaa;\">RERA&#039;ya kay\u0131tl\u0131 \u00e7o\u011fu proje i\u00e7in geleneksel \u00f6n sat\u0131\u015f ipotekleri hala mevcuttur. Se\u00e7ti\u011finiz proje i\u00e7in uygunlu\u011funuzu teyit etmek \u00fczere bir ipotek dan\u0131\u015fman\u0131yla g\u00f6r\u00fc\u015f\u00fcn.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 BENEFITS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fafafa;\">\n<div class=\"thm-container\">\n<div class=\"thm-center\">\n        <span class=\"thm-tag\">Neden \u00d6nemli?<\/span><\/p>\n<h2 class=\"thm-section-title\">Al\u0131c\u0131lar \u0130\u00e7in Ba\u015fl\u0131ca Faydalar<\/h2>\n<p class=\"thm-section-sub\">Erken a\u015fama finansman\u0131, Dubai&#039;de proje a\u015famas\u0131ndaki konut sat\u0131n alma deneyimini bir\u00e7ok \u00f6nemli y\u00f6nden de\u011fi\u015ftiriyor.<\/p>\n<\/p><\/div>\n<div class=\"thm-benefits-grid\">\n<div class=\"thm-benefit\">\n<div class=\"thm-benefit-icon\">\ud83c\udfaf<\/div>\n<div>\n<h4>\u0130lk G\u00fcnden \u0130tibaren Finansal G\u00fcvence<\/h4>\n<p>\u0130n\u015faat ba\u015flamadan \u00f6nce kredi kapasitenizi, ayl\u0131k \u00f6deme tutar\u0131n\u0131z\u0131 ve toplam maliyeti \u00f6\u011frenin. Teslimatta s\u00fcrprizlerle kar\u015f\u0131la\u015fmay\u0131n.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-benefit\">\n<div class=\"thm-benefit-icon\">\ud83d\udcc9<\/div>\n<div>\n<h4>Fiyat Kilitleme Korumas\u0131<\/h4>\n<p>\u0130n\u015faat s\u00fcreci boyunca olas\u0131 faiz art\u0131\u015flar\u0131na kar\u015f\u0131 korunmak i\u00e7in ipotek ko\u015fullar\u0131n\u0131z\u0131 erkenden g\u00fcvence alt\u0131na al\u0131n.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-benefit\">\n<div class=\"thm-benefit-icon\">\ud83d\udca7<\/div>\n<div>\n<h4>Geli\u015ftirilmi\u015f Likidite Planlamas\u0131<\/h4>\n<p>Banka, in\u015faat a\u015famalar\u0131n\u0131 kademeli olarak kar\u015f\u0131layarak sermayenizi korur ve in\u015faat a\u015famas\u0131nda b\u00fcy\u00fck nakit \u00f6demelerine olan ihtiyac\u0131 azalt\u0131r.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-benefit\">\n<div class=\"thm-benefit-icon\">\ud83c\udf0d<\/div>\n<div>\n<h4>Uluslararas\u0131 Al\u0131c\u0131lar \u0130\u00e7in Eri\u015filebilir<\/h4>\n<p>Hem BAE&#039;de ikamet etmeyenler hem de BAE&#039;de ikamet edenler i\u00e7in ge\u00e7erlidir. Geli\u015ftirici sat\u0131\u015f s\u00fcrecinde basitle\u015ftirilmi\u015f belge ve kolayla\u015ft\u0131r\u0131lm\u0131\u015f i\u015flem.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-benefit\">\n<div class=\"thm-benefit-icon\">\ud83c\udfc5<\/div>\n<div>\n<h4>Alt\u0131n Vize Uygunlu\u011fu<\/h4>\n<p>\u0130potekli, proje a\u015famas\u0131ndaki bir gayrimenkul, DLD de\u011ferlemesi 2 milyon AED&#039;ye ula\u015ft\u0131\u011f\u0131nda Dubai Alt\u0131n Vizesi i\u00e7in uygun hale gelir; erken finansman bu durumu etkilemez.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"thm-benefit\">\n<div class=\"thm-benefit-icon\">\u26a1<\/div>\n<div>\n<h4>Daha H\u0131zl\u0131, Daha Basit Bir S\u00fcre\u00e7<\/h4>\n<p>Geli\u015ftirici sat\u0131\u015f s\u00fcrecine entegre edilen finansman, daha h\u0131zl\u0131 onaylar, daha az belge y\u00fck\u00fc ve rezervasyondan teslimata kadar tek bir koordineli s\u00fcre\u00e7 anlam\u0131na gelir.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 ELIGIBILITY \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fff;\">\n<div class=\"thm-container\">\n      <span class=\"thm-tag\">Kimler Ba\u015fvurabilir<\/span><\/p>\n<h2 class=\"thm-section-title\">Uygunluk Kriterlerine Genel Bak\u0131\u015f<\/h2>\n<p class=\"thm-section-sub\">Her iki ortakl\u0131k da, Emirates NBD&#039;nin standart uygunluk ve sigorta kriterlerine tabi olmak kayd\u0131yla, BAE&#039;de ikamet edenler ve etmeyenler i\u00e7in a\u00e7\u0131kt\u0131r.<\/p>\n<div class=\"thm-table-wrap\">\n<table class=\"thm-table\">\n<thead>\n<tr>\n<th>Gereklilik<\/th>\n<th>BAE Sakinleri<\/th>\n<th>Yerle\u015fik Olmayanlar<\/th>\n<th>Notlar<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Uygunluk<\/td>\n<td class=\"thm-check\">\u2713 Kabul edildi<\/td>\n<td class=\"thm-check\">\u2713 Kabul edildi<\/td>\n<td>Emirates NBD&#039;nin sigorta \u015fartlar\u0131na tabidir.<\/td>\n<\/tr>\n<tr>\n<td>Minimum Pe\u015finat<\/td>\n<td>20% m\u00fclk de\u011feri<\/td>\n<td>25% m\u00fclk de\u011feri<\/td>\n<td>Birle\u015fik Arap Emirlikleri Merkez Bankas\u0131 LTV kurallar\u0131na g\u00f6re<\/td>\n<\/tr>\n<tr>\n<td>Maksimum Kredi-De\u011fer Oran\u0131<\/td>\n<td>80% LTV<\/td>\n<td>75% LTV<\/td>\n<td>5 milyon AED&#039;ye kadar olan gayrimenkuller i\u00e7in<\/td>\n<\/tr>\n<tr>\n<td>Gelir Do\u011frulama<\/td>\n<td class=\"thm-check\">\u2713 Gerekli<\/td>\n<td class=\"thm-check\">\u2713 Gerekli<\/td>\n<td>Anavatan geliri kabul edildi.<\/td>\n<\/tr>\n<tr>\n<td>Asgari Gelir<\/td>\n<td>15.000\u201325.000 AED\/ay<\/td>\n<td>Yerel para birimi cinsinden kar\u015f\u0131l\u0131\u011f\u0131<\/td>\n<td>Gelir t\u00fcr\u00fcne g\u00f6re de\u011fi\u015fir (maa\u015fl\u0131\/serbest meslek sahibi).<\/td>\n<\/tr>\n<tr>\n<td>Bor\u00e7 Y\u00fck\u00fc Oran\u0131<\/td>\n<td>Br\u00fct gelirin maksimum tutar\u0131 50%&#039;dir.<\/td>\n<td>Br\u00fct gelirin maksimum tutar\u0131 50%&#039;dir.<\/td>\n<td>Birle\u015fik Arap Emirlikleri Merkez Bankas\u0131 d\u00fczenlemesi<\/td>\n<\/tr>\n<tr>\n<td>M\u00fclk Yeterlili\u011fi<\/td>\n<td colspan=\"2\" class=\"thm-check\">\u2713 Dubai Holding \/ Sobha Realty ortak projeleri<\/td>\n<td>RERA&#039;ya kay\u0131tl\u0131, DLD emanet hesab\u0131nda tutulan<\/td>\n<\/tr>\n<tr>\n<td>Azami Kredi Vadesi<\/td>\n<td>25 ya\u015f (65 ya\u015f\u0131na kadar)<\/td>\n<td>25 ya\u015f (65 ya\u015f\u0131na kadar)<\/td>\n<td>70 ya\u015f\u0131na kadar serbest meslek sahibi.<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 DOCUMENTS \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fdf8fa;\">\n<div class=\"thm-container\">\n<div class=\"thm-center\">\n        <span class=\"thm-tag\">Belgeler Kontrol Listesi<\/span><\/p>\n<h2 class=\"thm-section-title\">Ba\u015fvuru \u0130\u00e7in Gerekli Belgeler<\/h2>\n<p class=\"thm-section-sub\">Belgelerinizi rezervasyon a\u015famas\u0131ndan itibaren haz\u0131r bulundurman\u0131z, \u00f6n onay s\u00fcrecini \u00f6nemli \u00f6l\u00e7\u00fcde h\u0131zland\u0131r\u0131r.<\/p>\n<\/p><\/div>\n<div class=\"thm-checklist-grid\">\n<div class=\"thm-checklist-card\">\n<h4>\ud83e\udeaa Ki\u015fisel Kimlik Belgeleri<\/h4>\n<ul>\n<li>Ge\u00e7erli pasaport (t\u00fcm sayfalar)<\/li>\n<li>BAE Oturma Vizesi (e\u011fer ikamet ediyorsan\u0131z)<\/li>\n<li>Emirates Kimlik Kart\u0131 (e\u011fer ikamet ediyorsan\u0131z)<\/li>\n<li>Son \u00e7ekilmi\u015f pasaport boyutunda foto\u011fraf<\/li>\n<li>Evlilik belgesi (varsa)<\/li>\n<\/ul><\/div>\n<div class=\"thm-checklist-card\">\n<h4>\ud83d\udcbc Gelir Belgeleri \u2014 Maa\u015fl\u0131 \u00c7al\u0131\u015fanlar<\/h4>\n<ul>\n<li>Son 3 ayl\u0131k maa\u015f bordrolar\u0131<\/li>\n<li>Son 6 ayl\u0131k banka hesap \u00f6zetleri<\/li>\n<li>\u0130\u015f s\u00f6zle\u015fmesi veya i\u015f teklifi mektubu<\/li>\n<li>\u0130K maa\u015f onay mektubu<\/li>\n<li>Son 2 y\u0131la ait vergi beyannameleri (varsa)<\/li>\n<\/ul><\/div>\n<div class=\"thm-checklist-card\">\n<h4>\ud83c\udfe2 Gelir Belgeleri \u2014 Serbest \u00c7al\u0131\u015fanlar<\/h4>\n<ul>\n<li>Son 2 y\u0131la ait denetlenmi\u015f mali tablolar<\/li>\n<li>Son 12 aya ait \u015firket banka hesap \u00f6zetleri<\/li>\n<li>Ticaret lisans\u0131 veya \u015firket kayd\u0131<\/li>\n<li>Hissedarl\u0131k belgesi<\/li>\n<li>Son 2 y\u0131la ait ki\u015fisel vergi beyannameleri<\/li>\n<\/ul><\/div>\n<div class=\"thm-checklist-card\">\n<h4>\ud83c\udfd7\ufe0f M\u00fclk Belgeleri<\/h4>\n<ul>\n<li>Rezervasyon formu \/ rezervasyon onay\u0131<\/li>\n<li>\u0130mzalanm\u0131\u015f Sat\u0131\u015f ve Sat\u0131n Alma S\u00f6zle\u015fmesi (SPA)<\/li>\n<li>\u0130potek kayd\u0131 i\u00e7in geli\u015ftirici onay belgesi<\/li>\n<li>DLD \u00f6n kay\u0131t onay\u0131<\/li>\n<li>Pe\u015finat makbuzu \/ havale belgesi<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 FAQ \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fff;\">\n<div class=\"thm-container\">\n<div class=\"thm-center\">\n        <span class=\"thm-tag\">SSS<\/span><\/p>\n<h2 class=\"thm-section-title\">S\u0131k\u00e7a Sorulan Sorular<\/h2>\n<p class=\"thm-section-sub\">Dubai&#039;nin yeni erken ipotek modeliyle ilgili sorular\u0131n\u0131z yan\u0131tland\u0131.<\/p>\n<\/p><\/div>\n<div class=\"thm-faq-list\">\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">Emirates NBD&#039;nin Dubai Holding ile yapt\u0131\u011f\u0131 erken d\u00f6nem ipotek ortakl\u0131\u011f\u0131 tam olarak nedir?<\/div>\n<div class=\"thm-faq-a\">16 Nisan 2026&#039;da duyurulan karara g\u00f6re, Dubai Holding Real Estate ve Emirates NBD, Meraas, Nakheel ve Dubai Properties&#039;deki proje a\u015famas\u0131ndaki gayrimenkuller i\u00e7in ipotek finansman\u0131n\u0131 do\u011frudan sat\u0131\u015f s\u00fcrecine entegre etme konusunda anla\u015ft\u0131. Al\u0131c\u0131lar art\u0131k sadece tamamlanmaya yak\u0131n bir zamanda ipotek d\u00fczenlemek yerine, rezervasyon a\u015famas\u0131nda \u00f6n onay ba\u015fvurusunda bulunabilecekler; bu da onlara sat\u0131n alma yolculuklar\u0131n\u0131n en ba\u015f\u0131ndan itibaren finansal netlik sa\u011flayacak. Banka, fonlar\u0131 in\u015faat ilerlemesine paralel olarak serbest b\u0131rakacak.<\/div>\n<\/p><\/div>\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">Yabanc\u0131 uyruklular ve yurtd\u0131\u015f\u0131 yat\u0131r\u0131mc\u0131lar bu yeni ipotek modelinden yararlanabilir mi?<\/div>\n<div class=\"thm-faq-a\">Evet. Hem Dubai Holding hem de Sobha Realty ortakl\u0131k anla\u015fmalar\u0131, BAE sakinlerini ve sakin olmayanlar\u0131 a\u00e7\u0131k\u00e7a kapsamaktad\u0131r. Onaylar, gelir do\u011frulamas\u0131 ve kredi notu dahil olmak \u00fczere Emirates NBD&#039;nin standart uygunluk kontrollerine tabidir. Sakin olmayanlar biraz daha d\u00fc\u015f\u00fck bir LTV oran\u0131yla (sakinler i\u00e7in 80%&#039;ye kar\u015f\u0131l\u0131k 75%) kar\u015f\u0131 kar\u015f\u0131ya kal\u0131r ve genellikle 25% pe\u015finat \u00f6demeleri gerekir.<\/div>\n<\/p><\/div>\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">\u0130n\u015faat devam ederken ipotek taksitlerini \u00f6demem gerekiyor mu?<\/div>\n<div class=\"thm-faq-a\">\u0130n\u015faata ba\u011fl\u0131 yap\u0131larda, banka in\u015faat a\u015famalar\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in fonlar\u0131 kademeli olarak serbest b\u0131rak\u0131r; yani her a\u015famada nakit \u00f6deme yapman\u0131z yerine banka bu \u00f6demeleri kar\u015f\u0131lar. Bankaya yap\u0131lan ayl\u0131k tam \u00f6demeler genellikle m\u00fclk\u00fcn teslimiyle, yani m\u00fclkiyeti devrald\u0131\u011f\u0131n\u0131z anla ba\u015flar. Kesin yap\u0131 anla\u015fmaya g\u00f6re de\u011fi\u015fir, bu nedenle Emirates NBD ile \u00f6zel \u015fartlar\u0131 teyit edin.<\/div>\n<\/p><\/div>\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">Erken al\u0131nan ipotek, Dubai Alt\u0131n Vizesi ba\u015fvurumu etkiler mi?<\/div>\n<div class=\"thm-faq-a\">Hay\u0131r. 2025 Alt\u0131n Vize de\u011fi\u015fiklikleri itibariyle, ipotekli gayrimenkuller, DLD de\u011ferleme sertifikas\u0131n\u0131n 2 milyon AED veya daha fazla bir de\u011feri onaylamas\u0131 ko\u015fuluyla 10 y\u0131ll\u0131k oturum vizesi i\u00e7in uygundur. Minimum 1 milyon AED pe\u015finat \u015fart\u0131 kald\u0131r\u0131lm\u0131\u015ft\u0131r. Erken ipotek \u00f6n kayd\u0131 bunu etkilemez; uygunlu\u011fu belirleyen DLD de\u011ferleme rakam\u0131d\u0131r.<\/div>\n<\/p><\/div>\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">Meraas, Nakheel ve Dubai Properties&#039;in hangi projeleri bu kriterlere uyuyor?<\/div>\n<div class=\"thm-faq-a\">Bu ortakl\u0131k, Dubai Holding Real Estate&#039;in \u00fc\u00e7 markas\u0131n\u0131n tamam\u0131ndaki konut portf\u00f6y\u00fcn\u00fcn tamam\u0131n\u0131 kapsamaktad\u0131r. Buna Bluewaters Island ve Port De La Mer gibi Meraas&#039;\u0131n \u00f6nemli b\u00f6lgeleri; Nakheel&#039;in Palm Jebel Ali ve di\u011fer planl\u0131 yerle\u015fim alanlar\u0131; ve Dubai Properties&#039;in sahil ve topluluk projeleri dahildir. Belirli bir birimin uygunlu\u011funu rezervasyon s\u0131ras\u0131nda do\u011frudan geli\u015ftiricinin sat\u0131\u015f ekibi veya Emirates NBD ile teyit edin.<\/div>\n<\/p><\/div>\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">Bu modelde konut kredisi \u00f6n onay\u0131 ne kadar s\u00fcr\u00fcyor?<\/div>\n<div class=\"thm-faq-a\">Finansman, geli\u015ftiricinin sat\u0131\u015f s\u00fcrecine entegre edildi\u011finden, ba\u011f\u0131ms\u0131z olarak bir bankaya ba\u015fvurmaya k\u0131yasla daha h\u0131zl\u0131 bir i\u015flem s\u00fcreci beklenmektedir. Belgeleri eksiksiz olan maa\u015fl\u0131 al\u0131c\u0131lar i\u00e7in, \u00f6n onay genellikle 5-10 i\u015f g\u00fcn\u00fc s\u00fcrer. Serbest meslek sahibi veya karma\u015f\u0131k gelir durumuna sahip ba\u015fvuru sahipleri i\u00e7in bu s\u00fcre biraz daha uzun olabilir. Basitle\u015ftirilmi\u015f belge gereksinimleri, ortakl\u0131\u011f\u0131n avantajlar\u0131ndan biridir.<\/div>\n<\/p><\/div>\n<div class=\"thm-faq-item\">\n<div class=\"thm-faq-q\">Sobha Realty anla\u015fmas\u0131, Dubai Holding anla\u015fmas\u0131yla ayn\u0131 m\u0131?<\/div>\n<div class=\"thm-faq-a\">Evet, yap\u0131sal olarak benzerler. Her iki ortakl\u0131k da Emirates NBD ipotek finansman\u0131n\u0131, geli\u015ftiricinin \u00f6n sat\u0131\u015f s\u00fcrecine, rezervasyon a\u015famas\u0131ndan itibaren entegre ediyor. Sobha Realty ortakl\u0131\u011f\u0131 (14 Nisan 2026&#039;da duyuruldu), Sobha Hartland ve Sobha Seahaven dahil olmak \u00fczere Sobha&#039;n\u0131n premium portf\u00f6y\u00fcn\u00fc kaps\u0131yor. Dubai Holding ortakl\u0131\u011f\u0131 (16 Nisan 2026&#039;da duyuruldu) ise Meraas, Nakheel ve Dubai Properties&#039;i kaps\u0131yor. Emirates NBD, erken a\u015fama entegre finansman konusunda daha geni\u015f bir pazar trendine a\u00e7\u0131k\u00e7a \u00f6nc\u00fcl\u00fck ediyor.<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 CTA \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-section\" style=\"background:#fafafa;\">\n<div class=\"thm-container\">\n<div class=\"thm-callout\">\n<h3>Erken ipotek imkan\u0131yla proje a\u015famas\u0131ndaki bir gayrimenkulle ilgileniyor musunuz?<\/h3>\n<p>Ekibimiz sizi Meraas, Nakheel, Dubai Properties, Sobha Realty ve daha bir\u00e7ok \u015firketteki do\u011fru projelerle bulu\u015fturabilir ve rezervasyondan teslimata kadar erken ipotek ba\u015fvuru s\u00fcrecinde size rehberlik edebilir.<\/p>\n<p>        <a href=\"https:\/\/truhauz.com\/tr\/iletisim\/\">Bug\u00fcn bir uzmanla g\u00f6r\u00fc\u015f\u00fcn.<\/a>\n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>  <!-- \u2500\u2500 SOURCES \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 --><\/p>\n<div class=\"thm-sources\">\n<div class=\"thm-container\">\n<p>\n        \ud83d\udcf0 <strong>Kaynaklar:<\/strong><br \/>\n        <a href=\"https:\/\/gulfnews.com\/business\/banking\/dubais-emiratesnbd-opens-earlier-mortgage-access-for-off-plan-dubai-holding-properties-1.500508600\" target=\"_blank\" rel=\"noopener\">Gulf News \u2014 Dubai Konut Kredilerinde Art\u0131\u015f: Yeni Finansman Modeli (Nisan 2026)<\/a> \u00b7<br \/>\n        <a href=\"https:\/\/www.dubaichronicle.com\/2026\/04\/17\/early-mortgage-dubai-how-off-plan-property-financing\/\" target=\"_blank\" rel=\"noopener\">Dubai Chronicle \u2014 Erken Konut Kredisi Dubai: Proje A\u015famas\u0131ndaki Gayrimenkul Finansman\u0131 Piyasay\u0131 Nas\u0131l De\u011fi\u015ftiriyor? (17 Nisan 2026)<\/a> \u00b7<br \/>\n        <a href=\"https:\/\/www.zawya.com\/en\/press-release\/companies-news\/emirates-nbd-and-sobha-realty-partner-to-offer-integrated-home-financing-solutions-for-off-plan-projects-in-dubai-apkjydwu\" target=\"_blank\" rel=\"noopener\">Zawya \u2014 Emirates NBD \u00d7 Sobha Realty Ortakl\u0131\u011f\u0131 (14 Nis 2026)<\/a>\n      <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<p><!-- END .thm-wrap --><\/p>","protected":false},"excerpt":{"rendered":"<p>Market Update \u00b7 April 2026 Dubai Real Estate Dubai&#8217;s New Early MortgageModel for Off-Plan Properties Emirates NBD has partnered with Dubai Holding Real Estate and Sobha Realty to allow buyers to secure mortgage financing from the booking stage \u2014 a major shift that changes how off-plan properties are bought in Dubai. Booking Stage Financing Available [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":36349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-36646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dubai-real-estate-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Dubai: New Financing Options Explained | Dubai Real Estate - Apartments, Villas, Townhouses, Penthouses | TruHauz<\/title>\n<meta name=\"description\" content=\"Discover the latest mortgage options in Dubai with new booking stage financing for off-plan properties from top developers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/truhauz.com\/tr\/dubais-new-early-mortgage-model-for-off-plan-properties\/\" \/>\n<meta property=\"og:locale\" content=\"tr_TR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dubai&#039;s New Early Mortgage Model for Off-Plan Properties\" \/>\n<meta property=\"og:description\" content=\"Discover the latest mortgage options in Dubai with new booking stage financing for off-plan properties from top developers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/truhauz.com\/tr\/dubais-new-early-mortgage-model-for-off-plan-properties\/\" \/>\n<meta property=\"og:site_name\" content=\"Dubai Real Estate - 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