{"id":77,"date":"2025-10-29T13:30:30","date_gmt":"2025-10-29T13:30:30","guid":{"rendered":"https:\/\/www.onuryilmaz.online\/?p=77"},"modified":"2025-10-29T14:23:38","modified_gmt":"2025-10-29T14:23:38","slug":"yabancilar-icin-mortgage","status":"publish","type":"post","link":"https:\/\/www.onuryilmaz.online\/en\/yabancilar-icin-mortgage\/","title":{"rendered":"Mortgage for Foreigners"},"content":{"rendered":"
\"\"<\/figure>\n\n\n\n

There is still strong demand for housing in T\u00fcrkiye, especially from citizens of Gulf countries. So how are these sales taking place? What are the loan utilization rates?<\/p>\n\n\n\n

The mortgage law in T\u00fcrkiye has been in effect since 2007. However, even today, there is debate about whether it is being implemented correctly. Given factors such as high interest rates, banks restricting loan terms, and the inability to transfer mortgages, it would be unrealistic to expect a significant increase in mortgage volume. Only a small percentage of housing sales are financed through mortgages. Due to high interest rates, this percentage has further declined in recent years.<\/p>\n\n\n\n

While there's no precise figure for foreigners, bankers say the ratio is around %5. This means that only 5 out of every 100 homes sold to foreigners are financed through mortgages. One of the main reasons for this is that banks aren't very enthusiastic about this type of investment.<\/p>\n\n\n\n

Banks are reluctant to lend mortgages to foreigners.<\/strong><\/p>\n\n\n\n

Her ne kadar yurtd\u0131\u015f\u0131nda yerle\u015fik bir yabanc\u0131 T\u00fcrkiye\u2019de ihtiya\u00e7 ve ta\u015f\u0131t kredisi alamasa da, mortgage almas\u0131n\u0131n \u00f6n\u00fcnde bir engel yok. Pasaportundaki adresi yeminli terc\u00fcman arac\u0131l\u0131\u011f\u0131 ile T\u00fcrk\u00e7e\u2019ye \u00e7evirterek bir adres tescil belgesi almas\u0131 ve vergi dairesinden bir vergi numaras\u0131 almas\u0131 yeterli. Ancak kanunen ekspertiz de\u011ferinin %75\u2019ine kadar verilebilen mortgage, yabanc\u0131lar i\u00e7in genelde %50\u2019ye kadar uygulan\u0131yor. Bankalar T\u00fcrkiye\u2019de yerle\u015fik, T\u00fcrkiye\u2019de i\u015f yapan ya da konsolosluk \u00e7al\u0131\u015fan\u0131 gibi yabanc\u0131lara daha kolay mortgage veriyor. Aksi halde e\u011fer T\u00fcrkiye\u2019de ba\u015fka evi varsa, kefil yada teminat g\u00f6sterebiliyorsa ya da geliri konusunda daha detayl\u0131 belgeler ibraz edebiliyorsa kredi verilebilme oran\u0131 art\u0131yor.<\/p>\n\n\n\n

Of course, it is also possible for foreigners who have been residing or working in T\u00fcrkiye for more than 6 months, or consular staff, to obtain a personal loan for the purpose of acquiring a home. This is called a completion loan. It is mostly used for properties that are not eligible for a loan otherwise.<\/p>\n\n\n\n

There are advantages to buying in cash.<\/strong><\/p>\n\n\n\n

Another reason why the number of mortgages given to foreigners is so low is that foreigners don't really prefer them either. There is a price advantage for cash purchases. And the influx of large sums of money into T\u00fcrkiye is not a major problem.<\/p>\n\n\n\n

Furthermore, the company undertaking the project itself can offer more flexible payment terms than banks. Especially in second-hand and neighborhood-based, typically single-block, smaller projects, tax advantages can be obtained by undervaluing the apartment's actual price.<\/p>\n\n\n\n

Markal\u0131 konut projelerinde ise durum biraz farkl\u0131. Tutar ne ise resmi olarak onu belirtmek zorunda. Ayr\u0131ca Mortgage verilebilmesi i\u00e7in %70 in\u015faat seviyesi \u015fart\u0131 var. Markal\u0131 konutlar genellikle temel a\u015famas\u0131nda sat\u0131ld\u0131\u011f\u0131ndan dolay\u0131 mortgage verilmesi i\u00e7in banka ile anla\u015fma yap\u0131p garant\u00f6r limit a\u00e7mas\u0131 gerekiyor. Proje a\u015famas\u0131nda sa\u011flanan kredilerde ev teslim edilene kadar firma da bankaya kar\u015f\u0131 sorumlu. E\u011fer 2 taksit \u00f6denmezse banka firmadan krediyi tahsil edebiliyor. Bunun takibi yabanc\u0131larda daha zor oldu\u011fundan markal\u0131 projeler de genellikle yabanc\u0131lara pe\u015fin sat\u0131\u015f\u0131 tercih ediyor.<\/p>\n\n\n\n

For all these reasons, even if real estate sales to foreigners increase in T\u00fcrkiye, the amount of mortgages granted does not seem likely to increase significantly. Because although this instrument is on display in banks' windows, giving mortgages to foreigners is not a priority strategy for banks.<\/p>\n\n\n\n

In the area of mortgages, the priority should be to address fundamental structural shortcomings and bring practices up to international standards. To encourage foreigners to use mortgages in T\u00fcrkiye, it is necessary to provide the same practices as in their own countries.<\/p>","protected":false},"excerpt":{"rendered":"

\u00d6zellikle k\u00f6rfez \u00fclkeleri vatanda\u015flar\u0131ndan T\u00fcrkiye\u2019deki konutlara hala yo\u011fun bir talep var. Peki bu sat\u0131\u015flar nas\u0131l ger\u00e7ekle\u015fiyor? Kredi kullan\u0131m oranlar\u0131 nas\u0131l? T\u00fcrkiye\u2019de Mortgage yasas\u0131 2007 y\u0131l\u0131ndan itibaren y\u00fcr\u00fcrl\u00fckte. Ancak bug\u00fcn bile do\u011fru uygulan\u0131p uygulanmad\u0131\u011f\u0131 tart\u0131\u015f\u0131l\u0131yor. Faiz oranlar\u0131, bankalar\u0131n vade s\u00fcrelerini k\u0131s\u0131tlamas\u0131 ve mortgage\u2019\u0131n ta\u015f\u0131namamas\u0131 gibi sebeplerle de mortgage hacminin \u00e7ok artaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnmek do\u011fru olmaz. Konut sat\u0131\u015flar\u0131n\u0131n […]<\/p>\n","protected":false},"author":1,"featured_media":78,"comment_status":"open","ping_status":"open","sticky":false,"template":"blank","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gayrimenkul"],"_links":{"self":[{"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/posts\/77","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/comments?post=77"}],"version-history":[{"count":1,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/posts\/77\/revisions"}],"predecessor-version":[{"id":79,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/posts\/77\/revisions\/79"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/media\/78"}],"wp:attachment":[{"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/media?parent=77"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/categories?post=77"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.onuryilmaz.online\/en\/wp-json\/wp\/v2\/tags?post=77"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}