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KT Real Estate Financing

I want to buy a property. How does it work?

With Islam-compliant financing, you have the choice between different models with terms ranging from 10 – 30 years. In this regard, we only finance existing properties, not construction projects. KT Real Estate Financing is also eligible for the construction child allowance (Baukindergeldfähig). For further information and to arrange a consultation appointment at one of our branches, please contact our Service Center team and arrange a consultation appointment at one of our branches.

I have already found my dream property. What's the next step?

Fill out the non-binding financing request and send it by e-mail to the address: finanzierung(a)kt-bank.de. Our staff will contact you shortly. 

Can I also finance a property abroad through KT Bank?

Real estate financing is only possible in Germany and Turkey. 

What requirements must be met for real estate financing?

For KT Real Estate Financing and KT Real Estate Financing Turkey, an indefinite residence permit and an indefinite employment contract are required. Further requirements depend on the desired property and the income of the applicant.  Detailed information on KT Real Estate Financing and KT Real Estate Financing Turkey can be found here.   

KT Car Financing

I would like to purchase a car. How does that work?

As is customary in Islamic banking, we will buy your dream car for you and then sell it on to you for a reasonable profit mark-up. In this way we avoid interest, which is expressly forbidden in Islam. You can then pay off the purchase price plus the surcharge in instalments which are individually tailored to your needs. You can find more information here.

Conditions of financing

How much does a financing provided by KT Bank cost?

The amount of the financing costs depends on the property to be financed and the term. Please use the financing calculator on KT Bank’s website for a non-binding financing calculation. Here, you can enter an example of the purchase price along with various terms for the property to be financed and calculate the non-binding financing conditions. 

Financing outside Germany

I would like financing through KT Bank, but I do not live in Germany. Is that possible?

Unfortunately, financing is only possible if you have a habitual residence in Germany. You can use investment products and the KT current account even without a habitual residence in Germany. 

How can I open a KT Current Account?

You can easily apply for an account via online application within a few minutes, or open one on site in one of our branches. You can find more information here. 

Do you offer an account switching service?

We will be happy to assist you in changing your payment account. Details can be found here. 

How do I deposit money into my KT Current Account?

Cash deposits are only possible in a KT Bank branch during the opening hours of the branch. For more information on the KT Bank branches and opening hours, please click here. 

How can I set up a standing order?

You can easily set this for your next transfer in online banking. Fill in all necessary data for the transfer as usual and tick the box with “Set up standing order” before completing the transfer. 

Can I overdraw my account?

We cannot offer an overdraft facility, as interest-bearing money lending is prohibited in Islam. 


I have lost my KT Bank card. How do I proceed?

In case of loss or theft of your KT Bank cards or your access data for online / mobile banking, please proceed as follows:
  1. Have your bank code, account number or credit card number of the cards to be blocked ready.
  2. Contact the central locking emergency number 
Within Germany 116 116 (free of charge) Abroad +49 116 116 (subject to charges)
  1. Then contact our Service Center team to order a new card or the access data for your online / mobile banking. You can find the contact details here. 

I have forgotten my PIN; how do I proceed?

Please send a written order for a new PIN to the following e-mail address: service(a)kt-bank.de. After that, please inform our Service Center of the transmission by telephone. The delivery of your new PIN will take about 8-10 working days. You can find our Service Center team’s contact information here. 

Where can I withdraw money?

With the KT Maestro Card you can withdraw money free of charge at branches of KT Bank. In addition, it is possible to withdraw money free of charge in supermarkets that allow cash withdrawals from a purchase total of €5.00 to €10.00. You have this option at Netto Marken-Discount, among other shops.  With the KT Mastercard, which you can add to your KT current account with an annual fee of €30.00, you can withdraw money in euros up to 3 times a month free of charge at all cash machines worldwide. Starting on the 4th withdrawal in a month, a fee is charged; this is determined by the cash machine.  It is not possible to withdraw money with the KT Jetzz Card.