How to Buy Property in Turkey in 2025: Step-by-Step Guide

Buying property in Turkey has become an increasingly attractive investment for foreigners due to its strategic location, vibrant culture, and growing economy. However, navigating the legal landscape requires expert guidance to ensure a smooth and secure transaction. Akkas & Associates Law Firm, a leading full-service law firm based in Istanbul since 1992, offers this comprehensive, professional guide on how to buy property in Turkey in 2025.

Table of Contents

A Step-by-Step Guide to Buying Property in Turkey
FAQs about Buying Property in Turkey
Reach us to Buy a Property in Turkey

A Step-by-Step Guide to Buying Property in Turkey

Purchasing property in Turkey, while generally straightforward, involves several critical steps. Our firm emphasizes a meticulous approach to safeguard your interests throughout the entire process.

Step 1: Research and Due Diligence

Before you even consider signing a contract, thorough research is paramount. This initial phase involves:

Defining Your Needs: Determine your property type (apartment, villa, land, commercial), location preferences (city center, coastal, rural), and budget.
Market Research: Understand current property prices, market trends, and potential rental yields in your chosen area. Online portals, real estate agencies, and property valuation reports can be valuable resources.
Legal Consultation: This is perhaps the most crucial first step. Engaging an experienced Turkish real estate lawyer from the outset is highly recommended. Our team at Akkas & Associates will:
- Explain the legal framework governing foreign property ownership in Turkey.
- Advise on any restrictions based on nationality or property location (e.g., military zones).
- Conduct a comprehensive legal due diligence on the chosen property. This includes verifying the legitimacy of the title deed (Tapu), checking for any existing debts, mortgages, liens, or other encumbrances, and confirming construction licenses and permits. This process is vital to ensure the property is free from any legal issues. For more details on the importance of legal due diligence, please refer to our guide on Turkish Real Estate Law.

Step 2: Obtaining a Turkish Tax Identification Number (Vergi Numarası)

Every foreigner wishing to buy property in Turkey must obtain a Turkish Tax Identification Number. This is a relatively simple process that can be completed at any local tax office by presenting your passport. This number is essential for all financial transactions related to your property purchase.

Step 3: Opening a Turkish Bank Account

You will need a Turkish bank account to facilitate property payments. This allows for seamless and transparent financial transfers. Our lawyers can assist you in opening an account with a reputable Turkish bank.

Step 4: Property Appraisal Report (For Citizenship by Investment)

If you are pursuing Turkish citizenship by investment, a mandatory property appraisal report is required. This report, issued by independent valuation experts approved by the Capital Markets Board of Turkey (SPK), determines the property’s market value. As of 2025, the appraisal value must be no less than $400,000 USD, provided that bank transfers proving the transfer of $400,000 USD or more are submitted. This step ensures that the investment meets the criteria for the citizenship program.

Step 5: Signing the Sales Agreement

Once due diligence is complete and you’re satisfied with the property, a sales agreement (also known as a preliminary contract or promise to sell contract) will be drafted. This agreement outlines the terms and conditions of the sale, including:

Details of the buyer and seller.
Full description of the property.
Purchase price and payment schedule.
Any agreed-upon conditions or contingencies.

It is crucial that this agreement is reviewed meticulously by your legal counsel. Our team will ensure the contract protects your interests and complies with Turkish law. We recommend a bilingual contract (Turkish and English) to avoid any misunderstandings.

Step 6: Payment and Transfer of Funds

Payments for the property are typically made through bank transfers. For citizenship by investment applications, these transfers must originate from an account in the buyer’s name and be clearly traceable. It’s vital to obtain a currency conversion certificate (DAB) from the bank for foreign currency transfers, which proves the conversion of foreign currency into Turkish Lira.

Step 7: Obtaining Compulsory Earthquake Insurance (DASK)

Before the official title deed transfer, it is mandatory to obtain DASK (Doğal Afet Sigortaları Kurumu) or compulsory earthquake insurance. This insurance protects your property against potential earthquake damage and is a prerequisite for the title deed transfer.

Step 8: Title Deed (Tapu) Transfer

The final and most critical step in the property acquisition process is the transfer of the title deed (Tapu) at the Land Registry and Cadastre Directorate (Tapu ve Kadastro Genel Müdürlüğü). Both the buyer and seller (or their authorized legal representatives with a power of attorney) must be present.

During this process:

All required documents are submitted (passports, tax ID, property appraisal report, DASK, and the sales agreement).
The title deed transfer fee (currently 4% of the declared property value, typically split between buyer and seller, though often negotiated to be paid by the buyer in practice) and other associated fees are paid.
Once all formalities are completed, the new title deed is issued in the buyer’s name, officially transferring ownership.

Our experienced Turkish Real Estate Lawyers are experts in navigating the complexities of Tapu transfers, ensuring a seamless and legally sound process.

Step 9: Post-Purchase Procedures

After obtaining your title deed, there are a few more steps:

Utility Registrations: Registering water, electricity, gas, and internet services in your name.
Property Tax Registration: Registering your property with the local municipality for annual property tax payments.
Residency Permit (if applicable): If you purchased property for residency purposes (e.g., property valued at $200,000 USD or more for a residence permit), you will then apply to the Directorate General of Migration Management (Göç İdaresi).
Citizenship Application (if applicable): For those who qualify for Turkish citizenship by investment, the citizenship application can be submitted after the successful property transfer. For comprehensive guidance on the citizenship by investment program, our firm provides dedicated legal assistance.

Essential Considerations for Foreign Buyers in 2025

Power of Attorney (POA): Many foreign buyers choose to grant a power of attorney to their trusted legal representative in Turkey. This allows your lawyer to handle various steps on your behalf, including opening bank accounts, signing contracts, and managing the Tapu transfer, saving you time and travel. Ensure the POA is drafted correctly and notarized.
Language Barrier: While many real estate agents may speak English, having legal documents reviewed and translated by a certified professional is crucial. Your lawyer will ensure you understand every aspect of the transaction.
Local Regulations: Property laws can vary slightly between municipalities. An experienced local lawyer will be well-versed in these nuances.
Currency Fluctuations: The Turkish Lira’s value can fluctuate. Be mindful of exchange rates and discuss payment strategies with your financial advisor and lawyer.
Inheritance Law: Understand how Turkish inheritance law applies to foreign-owned property. While Turkish inheritance law generally applies to immovable property in Turkey, regardless of the owner’s nationality, it’s wise to consult with your lawyer about potential succession planning.

FAQs about Buying Property in Turkey

Q1: Can foreigners legally own property in Turkey? A1: Yes, foreign nationals from most countries can legally own property in Turkey. There are minor restrictions regarding military and security zones, and some nationalities may face specific limitations, but generally, foreign ownership is widely permitted.

Q2: What is the minimum investment for Turkish Citizenship by Investment through real estate in 2025? A2: As of 2025, the minimum real estate investment required for Turkish Citizenship is $400,000 USD. This amount is based on the official property appraisal report, though bank transfers proving the transfer of $400,000 USD or more are also required.

Q3: What is a Tapu, and why is it important? A3: A Tapu is the official title deed in Turkey, proving ownership of a property. It is the most crucial document in any real estate transaction, and its transfer signifies legal ownership. It is essential to ensure its legitimacy and that it is free from encumbrances.

Q4: Do I need a lawyer to buy property in Turkey? A4: While not legally mandatory, engaging a qualified Turkish real estate lawyer is highly recommended. A lawyer will conduct due diligence, review contracts, manage the title deed transfer, and protect your legal interests, saving you from potential pitfalls and complications.

Q5: What are the main taxes and fees involved in buying property in Turkey? A5: The main costs include the 4% title deed transfer fee (Tapu fee), typically paid by the buyer, compulsory earthquake insurance (DASK), and various administrative fees. If buying a new property from a developer, VAT might apply depending on the property’s size and value.

Q6: How long does the property purchase process typically take? A6: The entire process, from finding a property to obtaining the title deed, can typically be completed within 3 to 6 weeks, provided all documents are in order and there are no unforeseen complications. The citizenship by investment application usually takes an additional 3 to 6 months after property registration.

Q7: Can I get a residency permit after buying property in Turkey? A7: Yes, purchasing property in Turkey can make you eligible for a short-term residence permit, typically valid for one year and renewable. As of 2025, the minimum cadastral value for property-based residency is $200,000 USD in designated areas.

Q8: What is the annual property tax in Turkey? A8: Annual property tax in Turkey is relatively low, typically ranging from 0.1% to 0.6% of the property’s declared value, depending on the property type (residential, commercial, land) and location (major city or smaller municipality).

If you are considering purchasing property in Turkey, or seeking to understand the intricacies of Turkish real estate law and citizenship by investment, our experienced team at Akkas & Associates Law Firm is here to help. With our extensive knowledge and professional approach, we ensure a secure and efficient transaction for our clients. Contact Akkas & Associates Law Firm today for expert legal guidance tailored to your specific needs.

Reach us to Buy a Property in Turkey

Investing in Turkish real estate offers exceptional opportunities for foreign investors seeking to diversify their portfolios while potentially gaining Turkish citizenship. With proper legal guidance, thorough due diligence, and professional support, purchasing property in Turkey can be a rewarding and profitable investment decision. The country’s strategic location, growing economy, and investor-friendly policies make it an ideal destination for international real estate investment.

Whether you’re seeking a vacation home, rental investment property, or exploring Turkish citizenship opportunities, professional legal assistance is essential for navigating the complex requirements and ensuring a successful transaction.

Contact Akkas & Associates Law Firm today for comprehensive legal support throughout your Turkish property investment journey. Our experienced team of real estate attorneys specializes in assisting foreign investors with all aspects of Turkish property acquisition, from initial consultation to final title transfer and beyond.

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