Turkey · Mortgages · Passport-linked guide
Mortgages for Foreign Buyers in Turkey
Regulatory limits, a bank product, a market typical and a borrower approval are different layers. OwnASea does not turn one Turkish lender’s terms into a national LTV.
Scope
Use the Turkey Passport for current structured rules
Regulatory limits, a bank product, a market typical and a borrower approval are different layers. OwnASea does not turn one Turkish lender’s terms into a national LTV.
OwnASea separates ownership, immigration, citizenship, tax, tourism, banking, cadastral procedure and building-risk evidence. Conditional and under-review facts are never reduced to a simple yes/no answer.
Country facts
Turkey Passport values
Regulatory vs product
Bank terms are not a national typical LTV
BDDK/TCMB rules, a bank’s product, a market average and an individual approval are separate. Rates and product examples are dated evidence, not evergreen Passport facts.
Key points
What to remember
- Use the Turkey Passport and current official source for the exact asset, address and procedure.
- Do not treat an under-review fact as a verified national rule.
- Property ownership, residence address, citizenship and tax residency are separate statuses.
- 100 days is the maximum single tourism rental threshold, not an annual allowance.
- DASK is insurance, not a structural-safety certificate; kat irtifakı is not automatically illegal.
- Confirm significant decisions with TKGM, Göç İdaresi, GİB, the Ministry of Culture and Tourism or a qualified professional.
See the Turkey Country Passport and the adjacent guides below.
General information: This guide is not legal, tax, immigration or investment advice.
Evidence first
Official and primary sources
Links come from the shared OwnASea Source Registry. Discovery sources are not used as sole authority for legal, tax or immigration claims.
municipalAnkara Metropolitan MunicipalityTurkey ↗municipalAntalya Metropolitan MunicipalityTurkey ↗immigration_local_noticeAntalya Provincial Migration Authority — closed neighbourhood policy noticeTurkey ↗banking_regulatorBDDK — banking and consumer-credit supervisionTurkey ↗earthquake_insurance_tariffDASK — 2026 compulsory earthquake insurance tariffTurkey ↗earthquake_insurance_guidanceDASK — compulsory earthquake insurance FAQTurkey ↗earthquake_insurance_procedureDASK — mortgage and title-deed checksTurkey ↗valuable_residence_tax_guidanceGİB — 2026 Valuable Residence Tax thresholds and ratesTurkey ↗inheritance_tax_guidanceGİB — 2026 inheritance and gift tax infographicTurkey ↗property_tax_guidanceGİB — 2026 municipal property-tax values and capTurkey ↗income_tax_guidanceGİB — 2026 property disposal declaration guideTurkey ↗income_tax_guidanceGİB — 2026 rental-income declaration guideTurkey ↗income_tax_communicadoGİB — Communiqué No. 333 / Law No. 7582 foreign-source income exemptionTurkey ↗inheritance_tax_lawGİB — Inheritance and Gift Tax Law exemptionsTurkey ↗income_tax_guidanceGİB — real-estate value appreciation gainsTurkey ↗municipalIstanbul Metropolitan MunicipalityTurkey ↗municipalIzmir Metropolitan MunicipalityTurkey ↗tax_lawLaw No. 7582 — foreign-source income exemption amendmentTurkey ↗municipalMersin Metropolitan MunicipalityTurkey ↗tourism_rental_procedureMinistry of Culture and Tourism — application documentsTurkey ↗