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Buying a new-build home in Türkiye: prepare a decision file before choosing a project

28 September 2026
satisofisi.com Editorial Desk  · Editorial Principles
Institutional publication — not the personal view of a single author.

A useful shortlist begins with comparable information. Before deciding which new-build home to pursue in Türkiye, collect a small decision file for each option: the exact apartment, the payment schedule, the documents you need checked and the costs that continue after purchase.

Identify the apartment, not just the development

Ask for the building, floor and unit reference. Record the layout and ask what is included in the stated area. A balcony, shared space or storage area may be presented differently between offers; compare the definitions before comparing square metres.

Keep the dated floor plan with the offer. If a later proposal refers to a different unit, treat it as a new comparison rather than a simple price update.

Separate the payment and handover calendars

List the initial payment, instalments, any large interim payments and the balance due at handover. Then record the proposed handover and ownership-registration arrangements separately. Ask which document establishes each obligation and what the agreement says about changes or delays.

Calculate the cash needed in each month, including any overlap with your current housing costs. A manageable instalment does not necessarily mean a manageable payment schedule.

Put eligibility questions in their own section

Ask a suitably qualified independent adviser to check your circumstances and the specific property before you commit. Keep the questions about buying, financing and immigration separate. Do not use an estate agent's general description as a personal eligibility decision.

For any proposed mortgage, obtain the lender's written conditions for you and the property. An advertised product is not a credit approval, and eligibility differs between lenders and products. One Turkish bank's housing-loan page we reviewed in September 2026, for example, limits its expatriate product to Blue Card holders and dual citizens. A condition like that should not be read as a rule for every lender or applicant.

Compare costs on equal terms

Your worksheet should distinguish the purchase price, transaction expenses, financing costs and annual ownership expenses. Mark each item as quoted, estimated or not yet confirmed. An unknown service charge is not a zero service charge.

What should the shortlist contain?

Keep only options for which you can identify the apartment, understand the funding schedule and list the remaining checks. You can then compare location and design without losing sight of the transaction.

When requesting current prices and payment plans, name the exact unit or layout and explain your intended purchase timeframe. Keep the reply with its date; it is the starting point for a comparison, not a promise that the apartment will remain available.

Compare projects on the same basis

Compare the layout, area definitions, location, delivery status and payment schedule together. Missing information does not mean zero cost or a confirmed handover. Clarify the current terms for the apartment you choose with a dated written offer.

Worked example: three listings on satisofisi.com

The records below show what a first comparison row looks like. They are our own project records as of 28 September 2026: unit types as listed, and the delivery date recorded on each project page. They are not prices, availability or a recommendation.

Next step

Open the project you are shortlisting and use the form on its page. Name the unit type you want priced so the reply covers the same apartment you are comparing.

Request current prices and payment plans

🤖 This content was compiled from official and statistical sources with AI-assisted tools and reviewed editorially before publication. It is not investment advice. Advertising & Content Policy  · Disclaimer  · Editorial Principles

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