• Obtaining a mortgage in Turkey
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Obtaining a mortgage in Turkey

Obtaining a mortgage in Turkey

Just like citizens in Turkey, foreigners in the country can also have easy access to mortgages. However, there is a way to easily access the mortgage. This usually means knowing the right information about the process.

What is a mortgage?

A mortgage is a type of bank loan that you take from a mortgage lender or a bank. The mortgage lender makes the loan available with which you can purchase s property in Turkey. There needs to be a property for you to guarantee this loan. In addition, you will be expected to pay back this loan on time. 

mortgage in Turkey

What is the difference between a housing credit and a mortgage?

A house credit and mortgage can be used to do the same thing. However, there could be some differences. Housing credits are offered at constant interest rates. But mortgages come with tax advantages. 

How to get a Turkish mortgage

In Turkey, for you to access a mortgage to buy the house of your dreams, you should not be over 70 years. If you are a foreigner that does not reside in Turkey, there are available mortgages for you. However, you have to be able to prove that you can pay the mortgage back within the period specified. This can be shown through employment certificates, bank statements, and so on. Sure enough, the conditions for getting the mortgage have to do with the bank, the currency, the property type, and the region. 

Turkish mortgages: What are the conditions involved?

To get a mortgage from a Turkish bank as a foreigner, you should keep to the following conditions:

  • You need a good credit history, which means that you should have a clean credit card, loan, and rental payments.
  • Foreigners can access mortgages in various currencies such as Pound sterling, Euros, and US dollars. 

In Turkey, you can access loans at a minimum term of 3 years. The maximum term is usually between 10 and 20 years. 

The best banks to choose when getting a mortgage in Turkey

Foreigners in Turkey that have a work or a resident permit can access loans for buying a vehicle, a home, and so on. Each bank may have its criteria for giving out mortgages. Some of the most desirable banks in Turkey for getting excellent mortgages include Yapi Kredi Bank, ING Bank, Deniz Bank, Kuveyt Turk Bank, Turkiye Is Bankasi, Garanti Bankasi, and Ziraat Bankasi. These are available banks that can lend mortgages to foreigners. These banks include:

Turkey Finance Bank

You can get about 75% of the total property value. The term is for 12 years but before you get the loan for the house, there would usually be an independent estate valuation from the bank.

Expat Guide To Buying Property In Turkey

Garanti BBVA Bank

This is a bank that offers various mortgage options in different currencies. You can access loans here in British Pound sterling, Euros, Us dollars, and Turkish Liras. You can get a maximum loan term of about 240 months. The maximum amount of loan that you can get is 500,000 Turkish Liras. You can also get the same amount of money in a foreign currency. Citizens from other European nations can access a total loan value of 65%. While citizens from non-European countries can access about 50% of the total property value. 


HSBC can give you a good mortgage to buy a house in Turkey. However, this is a 10-year loan period. You can get the loan in Turkish Liras with a minimum value of about 5,000 Turkish Liras while the maximum value is about 65% of the property value. With this bank, the loan applicant will need to make a down payment of 35%. 

Deniz Bank

In Deniz Bank, you can easily get about 60% of the total value of the property. This is offered for a 15-year term. They also receive their instalment payment in various currencies such as British Pound Sterling, Euros, US dollars, and Russian Rubles. 


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