How to buy a home in Turkey as a foreigner

October 10, 2023

How to Buy a Home in Turkey as a Foreigner

Buying a home in Turkey as a foreigner involves several key steps to navigate the legal and administrative requirements. Firstly, it’s essential to enlist the services of a reputable real estate agent who specializes in assisting international buyers. They can guide you through the various neighborhoods and property options while ensuring all legal aspects are met. Next, you’ll need to obtain a tax number and open a Turkish bank account to facilitate financial transactions. Additionally, it’s advisable to hire a lawyer fluent in both Turkish and your native language to review contracts and handle any legal complexities. Before finalizing the purchase, conduct thorough due diligence on the property, including verifying its title deed and confirming that all utility bills are up to date. Finally, once all agreements are in place, complete the transaction by signing the sales contract and transferring funds through a secure and approved channel.

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Buying a home in Turkey as a foreigner can be an exciting venture, offering a blend of rich culture, stunning landscapes, and favorable real estate opportunities. Whether you’re looking for a vacation home, an investment property, or planning to relocate, understanding the process is crucial. Here’s guide to help you navigate through buying a home in Turkey.

Research and Preparation

Understand the Market:

Start by researching the Turkish real estate market. Popular areas for foreigners include Istanbul, Antalya, Bodrum, and Fethiye. Each region offers unique benefits, from bustling city life to tranquil coastal settings.

Legal Restrictions:

Foreigners from most countries can buy property in Turkey, but there are restrictions on purchasing in military zones and some rural areas. It’s essential to confirm that the property you are interested in is eligible for foreign ownership.

Budgeting and Financing

Set a Budget:

Determine your budget, considering all associated costs such as taxes, legal fees, and maintenance. Property prices can vary significantly based on location and type of property.

Financing Options:

Foreigners can obtain mortgages from Turkish banks, but terms may differ from those available to residents. Ensure you understand the loan conditions, interest rates, and repayment plans.

Find a Reliable Real Estate Agent

Choosing an Agent:

A local, reputable real estate agent can be invaluable. They can help you find properties that match your criteria, negotiate prices, and guide you through the legal processes.

Verify Credentials:

Ensure your agent is registered and has a good track record. Check reviews and ask for references if necessary.

Property Search and Viewing

Shortlist Properties:

Based on your preferences and budget, your agent will help you shortlist properties. Take virtual tours if you cannot visit in person immediately.

Visit Properties:

If possible, visit the shortlisted properties. Pay attention to the neighborhood, infrastructure, and the condition of the property. Consider future developments in the area that might affect property value.

Legal Due Diligence

Hire a Lawyer:

Engage a local lawyer who specializes in real estate. They will check the property’s legal status, ensuring there are no debts or legal disputes associated with it.

Title Deed (Tapu):

Your lawyer will verify the title deed, ensuring the seller is the legitimate owner and that the property matches the description.

Making an Offer and Signing the Contract


Once you’ve chosen a property, your agent will help you negotiate the price. Be prepared for some back-and-forth.

Sales Contract:

Once a price is agreed upon, a sales contract is drawn up. This contract should be in both Turkish and your language. It will outline all terms, including payment schedules and deadlines.

Financial Transactions


A deposit (usually around 10%) is required to secure the property. This is typically non-refundable if you back out of the deal without a valid reason.

Final Payment:

The remaining balance is usually paid when the title deed is transferred to your name. This should be done through a secure payment method, often via a bank.

Title Deed Transfer

Land Registry Office:

The final step is the transfer of the title deed at the local Land Registry Office. Both buyer and seller (or their legal representatives) must be present.

Payment of Fees:

Pay all required taxes and fees, including the title deed transfer tax (usually 4% of the property’s value), notary fees, and any agent fees.

After Purchase

DASK Insurance:

Earthquake insurance (DASK) is mandatory for all properties in Turkey. Ensure you arrange this immediately after the purchase.

Utility Registrations:

Register the property in your name for utilities like water, electricity, and gas. This often requires a trip to the local utility offices with the title deed and your identification.

Residency Permit:

If you plan to stay long-term, consider applying for a residency permit. Owning property can simplify this process.

Can I get Residency in Turkey if I Buy a House?

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Yes, purchasing property in Turkey can indeed facilitate obtaining a residency permit. Foreigners who buy real estate in Turkey are eligible for a short-term residence permit, which is initially valid for one year and can be renewed annually as long as you own the property. This permit allows you to live in Turkey and can be a stepping stone towards longer-term residency options. Additionally, owning property may simplify the process of obtaining other types of permits and can contribute to your application for Turkish citizenship if you meet certain investment thresholds. Overall, buying a house in Turkey not only provides a place to live but also offers significant benefits in terms of residency and potentially citizenship.

Is it Worth to Buy House in Turkey?

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Buying a home in Turkey can be a rewarding investment for a number of reasons. The country’s property market offers a wide range of opportunities, from bustling cities such as Istanbul to tranquil coastal towns such as Antalya and Bodrum. Property prices in Turkey are generally more affordable than in many Western countries, offering excellent value for money. In addition, Turkey’s strategic location, vibrant culture and favourable climate make it an attractive destination for both living and holidaying. For investors, the growing tourism sector and robust rental market can offer promising returns. In addition, buying property can make you eligible for residency, and substantial investment can even lead to citizenship. Overall, buying a home in Turkey can offer significant financial and lifestyle benefits.

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