Legal Considerations When Buying Property in Turkey
Buying property in Turkey is an exciting opportunity, whether you’re looking for a vacation home, an investment, or a place to settle down. However, navigating the legal landscape is crucial to avoid pitfalls and ensure a smooth transaction. Here’s what you need to know about the legal aspects of purchasing property in Turkey in 2025.
1. Can Foreigners Buy Property in Turkey?
Yes! Foreigners can buy property in Turkey, but there are a few restrictions to keep in mind:
You cannot buy property in military or security zones—always check with the Land Registry Office to confirm that your chosen property is eligible.
The total area you purchase cannot exceed 30 hectares (74 acres) nationwide without special approval.
Foreign ownership cannot surpass 10% of a district’s total land area.
2. Title Deed and Ownership Process
The title deed (Tapu) is the official document proving ownership. To complete the transfer legally, you need to:
Sign a sales agreement (optional but recommended) with the seller and have it notarized.
Obtain a valuation report from a government-approved expert, ensuring the property’s price reflects its market value.
Pay the necessary taxes and fees before finalizing the transfer.
Sign the title deed transfer at the Land Registry Office in the presence of both buyer and seller.
3. Financial Requirements & Residency Rules
While purchasing property in Turkey can lead to residency, the minimum value requirement has changed:
Residency Permit via Property Purchase: As of late 2023, foreign buyers must invest at least $200,000 in real estate to apply for a short-term residence permit. The amount must be officially declared on the title deed.
Turkish Citizenship Through Investment: Buying property alone does not automatically grant citizenship. However, you can apply for Turkish citizenship if you invest at least $400,000 in real estate or $500,000 in bank deposits or government-approved investment funds.
4. Mandatory Property Insurance (DASK)
Turkey requires all property owners to obtain Compulsory Earthquake Insurance (DASK). This policy covers damage caused by natural disasters such as earthquakes, fires, and landslides. Without it, you cannot register utilities like water and electricity.
5. Due Diligence: Avoiding Scams & Legal Risks
To protect yourself from fraud and legal issues, follow these steps:
Work with a reputable real estate agent and lawyer who understand Turkish property laws.
Verify that the seller has full ownership of the property and that it is free from debts or legal disputes.
Check the property’s zoning status to ensure it matches your intended use (residential, commercial, etc.).
Ensure all payments go through official banking channels and request receipts for every transaction.
6. Short-Term Rental Restrictions
If you plan to rent out your property for short-term stays (such as Airbnb), be aware of recent regulations:
You must obtain a tourism rental license from the Ministry of Culture and Tourism.
In apartment complexes, you need written approval from all neighbors before renting.
Non-compliance can result in hefty fines exceeding 100,000 TRY.
7. Taxation & Ongoing Costs
Property ownership comes with certain financial responsibilities:
Title Deed Transaction Fee: 4% of the property’s declared value, split between buyer and seller (though usually paid by the buyer).
Annual Property Tax: Ranges from 0.1% to 0.6% of the property’s appraised value, depending on location.
Rental Income Tax: If you rent out your property, you must declare income and pay applicable taxes.
Final Thoughts
Investing in Turkish real estate can be highly rewarding, but it’s essential to stay informed and take the necessary legal precautions. Working with professionals, conducting thorough research, and understanding the latest regulations will ensure a smooth and secure purchase.
If you’re planning to buy property in Turkey, our real estate experts are here to guide you through every step, ensuring a smooth, secure, and legally compliant purchase.
