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Have you seen your perfect home in Turkey but not sure how to finance your dream home abroad? Many people use their hard earned lifesavings, re-mortgage property in their home land, trade in savings plans and much more to finance a home abroad.

Now it is possible for foreigners to apply for Mortgages in Turkey. Read on to find out the pros and cons and the complete process for mortgage applications in Turkey. We have teamed up with the first Turkish bank to provide mortgages for foreigners in Turkey.

Benefits of applying for a mortgage ın Turkey via Coast2Coast Properties Turkey

  • English, German and French speaking staff
  • Competitive Mortgage Rates
  • Competitive Saving Rates
  • Full knowledge and guidelines regarding legal obligations, restrictions and procedures applicable to foreigners.
  • Mortgage loans especially for foreigners


  • Required documents are provided to the branch closest to your new home in Turkey
  • A representative will visit the property to compile an appraisal report
  • Your local branch will notify you within 5 business days with regards to your application
  • You will receive a pre-term sheet (a written promise from the bank)
  • Pre-term sheet will contain mortgage conditions.
  • Once Pre-term sheet agreed and signed you will pay a commitment fee
  • Pre-term agreement is valid for four months. At this point you will be expected to organise:
    • DASK (Nature disaster insurance)
    • House Insurance and Living Permission
    • Clearance from the ministry of defence
    • Apply for Tax Number and open a demand deposit bank account
  • Following receipt of all documents above, you will then receive final approval
  • An appointment to pay out the loan and put the mortgage on the title deed at the Tapu Office will be organised.



Official tax statement of the most recent year in the home country (for example P60)

The official document that shows the applicant's credit history/records in the country where the applicant currently resides.

Copy of the Tapu of the object that will be bought ("Kat mulkiyet tapusu" or "Kat irtifak tapusu + yapi kullanim izin belgesi")

Copies of passports made and signed by the branch or notary

Income statement of employers signed by the employer

Official document/declaration from a public notary/cadastre that the person who signed the income statement is allowed to sign

Bank statements declaring the income (not older than 3 months)

Annual report of the holding company for the last two years together with a copy from the shareholder register

Documents proving monthly financial obligations (rent, house loan installments, alimentation)

Overview of private assets proven by official statements

Overview of private debts proven by official statements

Signed application form


Official translation of all documents (other than Turkish or English) into Turkish is required.

**Tax number is required. The applicant shall apply to the local tax office in Turkey and get a tax number - this process is completed within just a few minutes.

***In case the applicant has residence permits of several countries, the official credit record documents to be arranged by each country's relevant authorities must be submitted to the bank. The documents must be notarised and aposilled.


Joint Applications:

1 - If more than one person is represented on the title deed (tapu), for each person a SEPERATE application form must be filled out

2 – If only one name is / will be written on the title deed (tapu) only one application form is required. In this case a partner can become guarantor of the loan in order to meet with the debt to income requirements.

Loan to value Maximum 50% of the appraisal value (not always equal to the sales price)
Debt to income Maximum net salary to spend to installment for total loan position 50%
Valuation of income Only salary income transferred to a bank account, average profit of the last 2 years, pension income
Maximum amount No maximum
Minimum amount € 25.000
Nationalities All countries that have a reciprocal agreement with Turkey. Click here for the full list
Maturity 10 years
Loan in TL Yes
Loan in Dollars Yes
Loan in British pound Yes
Interest types Fixed
Early repayment Possible (2% penalty fee)
Property valuation Done by Bank or appointed appraisal by Bank, pre-valuation paid by Bank
Age of application 25 -70 years
Maximum age at end of maturity 70 years
DASK: nature disaster insurance, House insurance; To arrange via Bank,
Life insurance No obligation
Off plan mortgage Yes, with full bank guarantee from constructor for the total loan amount
Monthly installment payments Automatic payment from the Bank account
Validity of the pre offer 4 months
Extension of validity of the pre offer (except interest rate) Until 18 months (1% extra commission required)
For a complete list of countries whom can apply for Mortgages in Turkey – Click Here

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Coast2Coast Properties Turkey Moowla Emlak Insaat Turizm ve Bilgisayar Ltd. Sirketi Babatasi Mah. 782 Sok. Fethiye Mugla 48300
VAT Reg Code 6220632539
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