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Property Law in Turkey

Tapu Guide Turkey (2026):
Turkish Title Deed Explained

The Turkish tapu (title deed) is the foundation of property ownership. A complete education guide for foreign buyers: what it is, what its types mean, how to read it, what it costs, and how to spot dangerous annotations before it's too late.

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Quick Answer

What is a Turkish tapu and what should a foreign buyer check?

The tapu (tapu senedi) is Turkey's official property title deed, issued by TKGM, the Land Registry and Cadastre Directorate. For apartment buyers, kat mülkiyeti is the most secure type — it confirms a completed building with its habitation certificate (iskan). Kat irtifakı is a construction-phase title, normal for off-plan purchases but riskier if the developer never obtains iskan. Before signing, check for encumbrances (ipotek, haciz) via a Tapu Kaydı or Takyidat Belgesi, and budget for the 4% tapu harcı transfer tax plus a döner sermaye registry fee.

Last updated July 2026·Bartu Cavusoglu

Types of Turkish Tapu: What Each Means

Kat Mülkiyeti (Condominium Ownership)

Most secure

The title type for individual apartment units in a completed, legally registered building. Requires the building to have its habitation certificate (iskan belgesi). Confirms the unit is legally separate, the building meets planning requirements, and you own a defined share of the common land. This is the target title type for apartment buyers.

Kat İrtifakı (Construction Servitude)

Acceptable with caution

Issued during construction, before iskan is granted. Defines the future unit's position and share in the building under construction. Safe if the developer has a valid building permit and the project will complete. Risk: if iskan is never issued, the title cannot be upgraded to kat mülkiyeti. Many older Turkish buildings remain stuck in kat irtifakı.

Arsa (Land Title)

Land only

A title deed for undeveloped land or a parcel. No building rights unless imar status confirms development is permitted. May include a share of common land in a development (arsa payı) which underpins condominium units in the same complex. Foreign individuals face a nationwide 30-hectare ownership cap and a 10% district cap on land purchases.

Müstakil Tapulu (Freehold / Stand-alone)

Secure — houses/villas

A standalone title deed for a house or villa on its own land plot. The owner holds both the building and the land beneath it. More straightforward ownership structure than condominium. Common for detached houses and larger villas.

Devre Mülk (Timeshare)

Limited — avoid for investment

Time-limited ownership of a property — typically a holiday apartment — for specific weeks per year. Rarely worth purchasing as an investment. Very difficult to resell. Not recommended for foreign buyers seeking income-generating assets.

Checking a Tapu Online: e-tapu, Parsel Sorgu, and Web Tapu

TKGM has digitised much of the land registry, but the level of detail available online depends on who is asking. It is worth understanding the difference before you assume a quick online check is the same as a full legal title search.

Parsel Sorgu (parselsorgu.tkgm.gov.tr)

Open to the public — free

TKGM's free cadastral map lookup. Search by ada/parsel number or by clicking the interactive map to see a parcel's administrative location (province/district/neighbourhood), surface area, and general characteristics (land, building plot, etc.). For privacy reasons it does not reveal the current owner's name, sale history, or any mortgages, seizures, or other annotations — it is a cadastral tool, not a title search.

e-Devlet (Turkey's e-government portal)

Owner or holder of a Turkish e-Devlet login

If you already own a property and have an e-Devlet account (which requires a Turkish ID or foreigner ID number and activation), you can view your own tapu records and some encumbrance information directly online.

Web Tapu

Registered users / authorised representatives

TKGM's online application service that lets certain title-related documents — including a Tapu Kaydı Örneği (registry record copy) — be requested without visiting a branch in person, for those set up to use it.

Tapu Kaydı / Takyidat Belgesi (in person or via lawyer)

Owner or lawyer with notarised power of attorney

The only document that gives a complete legal picture: current registered owner, full transfer history, and every annotation (ipotek, haciz, tedbir, önalım hakkı, and more). Before buying, your lawyer should obtain this directly from the land registry — not rely on a screenshot or verbal assurance from the seller or agent.

In short: Parsel Sorgu tells you what the parcel is; only a Tapu Kaydı or Takyidat Belgesi tells you whether it is safe to buy. See property due diligence in Turkey for the full pre-purchase checklist.

Tapu Annotations (Şerh) — What Each Means for Buyers

Scroll to see full table
Annotation (Şerh)MeaningImpact on PurchaseSeverityİpotekMortgage — property pledged as loan securityMust be discharged before clean transfer. Seller must pay off the mortgage from sale proceeds.ManageableHacizCourt-ordered seizure (debt enforcement)Transfer may be legally blocked. Must be resolved through court. Can take months.SeriousTedbirCourt injunctionPrevents any transfer until court proceedings resolve. Unknown timeline.SeriousÖnalım / Şufa hakkıPre-emption / right of first refusalOther owners may be entitled to purchase at the same price before you. Must be waived.ModerateTaşınmaz satış vaadiRegistered sales promise to a third partyA prior buyer may have rights to the property. Requires legal resolution.SeriousKira şerhiRegistered tenancy annotationProperty has a long-term tenant whose rights survive a sale. You buy subject to the tenancy.Moderateİrtifak hakkıEasement (right of way, etc.)Another party has a defined right to use part of the property. May affect use and value.Depends on type

Kat Mülkiyeti vs Kat İrtifakı: Critical Comparison

Scroll to see full table
FactorKat MülkiyetiKat İrtifakıBuilding completion statusBuilding fully completedUnder construction or pre-completionHabitation certificate (iskan)Issued — building is legalNot yet issuedAddress registration (e-Devlet)Full address registration possibleMay be restricted until iskan issuedMortgage eligibilityMost banks acceptSome banks accept; conditions may applyRisk of title being "stuck"None — already at final stageRisk if iskan cannot be obtainedRecommended for buyers?Yes — preferred title typeAcceptable for new builds; verify developer track record

What a Tapu Transfer Costs

Getting the tapu registered in your name involves more than the sale price. These are the standard charges a foreign buyer should budget for — treat the amounts as directional, since some fees are retariffed annually and DASK premiums vary by property.

Standard tapu transfer costs

Tapu harcı (title deed transfer tax)Legally 2%/2% buyer-seller; market custom is the buyer often covers the full 4%
4% of taxable value
Döner sermaye (revolving fund fee)Paid to TKGM at the appointment; the foreign-buyer rate is meaningfully higher than the domestic rate
Fixed fee, retariffed every January
DASK earthquake insuranceMandatory before transfer — get a live quote rather than an old figure
Varies by size, location, construction type
SPK-licensed valuation reportNot required for standard purchases since Circular 2024/4 (13 June 2024) — still required for citizenship-by-investment or mortgage applications; the residence-permit-by-property route uses the tapu sale price instead
$300–500 (only if required)
Sworn/certified translatorNeeded at signing if you cannot demonstrate sufficient Turkish
Varies by city and language
Real estate agent commissionLegal combined ceiling is 4% + VAT split between buyer and seller
Typically 2% + 20% VAT (buyer share)
Property lawyer / due diligenceOptional but strongly recommended — covers the Tapu Kaydı and Takyidat Belgesi search
Case-by-case

Figures are directional guidance, not a quote. Confirm the exact döner sermaye rate, DASK premium, and any lawyer or translator fee with your representative before budgeting precisely.

For a full step-by-step cost and timeline breakdown, see the title deed transfer process guide and hidden costs of buying property in Turkey.

Foreign Ownership Rules That Affect Your Tapu

30-hectare nationwide cap

A foreign individual cannot hold more than 30 hectares (300,000 m²) of land in Turkey in total, across all provinces. This rarely affects ordinary apartment or villa buyers — it matters mainly for large land or multi-property acquisitions.

10% district (ilçe) cap

Foreign nationals collectively cannot own more than 10% of the total private land area within any single district. Once a district approaches this threshold, further foreign purchases there can be restricted at the registry level.

Military and security zone restriction

Property inside a designated military or security zone cannot be acquired by foreign buyers. This is checked automatically as part of the transfer process (a military clearance check), which the land registry runs before registering the tapu in a foreign buyer's name.

Company vs individual ownership

These caps apply to foreign natural persons. Turkish companies — including those with foreign shareholders — follow a separate legal framework and are not subject to the same 30-hectare or 10%-district limits in the same way.

For full eligibility rules by nationality and the step-by-step purchase process, see can foreigners buy property in Turkey and buying land in Turkey.

Common Tapu Mistakes Foreign Buyers Make

Treating kat irtifakı as equivalent to kat mülkiyeti

Buyers assume the unit is fully titled when the building is still under construction and may never receive iskan. Always confirm which title type you are actually buying.

Skipping a formal encumbrance search

Relying on the seller's or agent's word instead of a lawyer-obtained Tapu Kaydı or Takyidat Belgesi. Mortgages, seizures, and pre-emption rights only show up on the formal record.

Not agreeing in writing who pays the 4% tapu harcı

The law splits it 2%/2%, but market convention often shifts the full 4% to the buyer. A verbal understanding at negotiation stage is not enforceable at the registry desk.

Letting the DASK earthquake insurance lapse

DASK is compulsory and renews annually. A lapsed policy can complicate a future resale or mortgage application, and it invalidates your earthquake coverage in the meantime.

Assuming Parsel Sorgu is a full title check

It only confirms cadastral facts about the parcel, not ownership or encumbrances — a genuine title search needs a Tapu Kaydı, not a free map lookup.

Under-declaring the sale price to reduce tax

The registry will not accept a declared value below the municipality's assessed minimum (rayiç bedel) and will use the higher figure automatically; deliberate under-declaration also carries audit and penalty risk.

Putting your tapu knowledge to work

Understanding your tapu type is the foundation — but you also need to verify it's clean. A Turkish property lawyer conducts a formal encumbrance search to confirm no mortgages or court seizures exist. The full title deed transfer process explains what happens at the land registry on completion day.

Which Tapu Situation Are You In?

Situation

Buying a completed resale apartment

What to do

Confirm it is kat mülkiyeti with a valid iskan, then get a Tapu Kaydı and Takyidat Belgesi to rule out mortgages, seizures, or pre-emption rights before signing.

Situation

Buying off-plan or under construction

What to do

Expect kat irtifakı until completion. Vet the developer's track record and building permit, and get the iskan/kat mülkiyeti conversion written into your contract with a completion deadline.

Situation

Buying land (arsa) or a large plot

What to do

Check zoning (imar durumu) before assuming any building rights, and confirm you are within the 30-hectare nationwide and 10% district caps for foreign ownership.

Situation

Buying toward citizenship or a residence permit

What to do

For citizenship by investment, budget for the mandatory GEDAŞ valuation report confirming a value of at least $400,000. For the property-based residence permit route, no valuation report is needed — the $200,000 threshold is confirmed from the sale price recorded on the tapu itself.

Situation

Buying via Power of Attorney (not attending in person)

What to do

Have a notarised POA drafted specifically for this property, including your photograph and the exact parcel details, so it is accepted at the registry desk.

Situation

Inheriting or receiving a tapu as a gift

What to do

The transfer still goes through TKGM and triggers its own fees and, in the case of inheritance, Turkish inheritance tax rules — this is a different process from a standard sale and worth a lawyer's input.

Frequently Asked Questions

What is a tapu in Turkey?

A tapu (formally tapu senedi) is the official Turkish title deed — the legal document proving ownership of a property or land. It is issued and managed by the Tapu ve Kadastro Genel Müdürlüğü (TKGM — Land Registry and Cadastre Directorate). The tapu contains the owner's name, the property's legal description, parcel number (ada/parsel), floor and unit number, share of the building (if applicable), and the type of ownership. Holding the tapu is the definitive proof of property ownership in Turkey.

What is the difference between a blue tapu and a red tapu?

The historical distinction: the "blue tapu" (mavi tapu) referred to older tapu documents issued for land (arazi/arsa), while the "red tapu" (kırmızı tapu) referred to units within a building (kat mülkiyeti — condominium ownership). This colour distinction relates to older paper-based tapu formats. Since the transition to digital e-tapu and standardised green-and-white documents, the colour distinction has become less meaningful, but the underlying legal distinction — land title vs condominium unit title — remains critically important for buyers.

What is kat mülkiyeti and why does it matter?

Kat mülkiyeti (condominium ownership) is the title deed type for an individual unit within a multi-floor building. It confirms: (1) the specific unit has been legally defined and separated from others in the building, (2) the building has received its habitation certificate (iskan belgesi), and (3) the unit carries a defined share of the total building. This is the most secure title type for apartment buyers. Kat irtifakı (construction servitude) is an earlier stage — it exists before the building is completed and iskan is issued, and indicates the unit is legally defined but the building may not yet be fully permitted.

What is kat irtifakı and what are the risks?

Kat irtifakı (construction servitude) is a tapu type issued during construction, before the building has its habitation certificate (iskan). It confirms the legal definition of individual units but does not confirm the building is complete or legally compliant. The risk: if the building never receives iskan (due to permit violations or construction issues), the kat irtifakı cannot be upgraded to kat mülkiyeti. Some buildings in Turkey have been stuck in kat irtifakı for years or decades. This affects mortgage eligibility, resale ability, and your right to register at the address officially.

How do I read a Turkish tapu document?

Key fields on a Turkish tapu: İl/İlçe/Köy-Mahalle (Province/District/Neighbourhood), Ada (block number), Parsel (parcel number), Niteliği (property nature — e.g., apartment, land), Yüzölçümü (area in m²), Kat/Bağımsız Bölüm No (floor/unit number), Arsa Payı (share of land/building), Cins (type), Edinme Sebebi (transfer reason — e.g., satış = sale), Tescil Tarihi (registration date), and the owner's name and ID number. The tapu's parcel reference matches the cadastral maps held by TKGM.

Can I check a property's tapu status online in Turkey?

Partially. TKGM's free Parsel Sorgu tool (parselsorgu.tkgm.gov.tr) lets anyone look up a parcel's administrative location, area, and general characteristics using the ada/parsel reference or an address — but for privacy reasons it does not display the current owner's name or any encumbrances. To see who legally owns a property and whether it carries a mortgage, seizure order, or other annotation, you (as the owner) or your authorised lawyer must request a Tapu Kaydı (registry record) or Takyidat Belgesi (encumbrance certificate) through Web Tapu, e-Devlet, or in person at the land registry.

What annotations (şerh) on a tapu should concern a buyer?

Concerning annotations on a tapu: (1) İpotek — mortgage. The property is security for a loan. Must be discharged before clean transfer. (2) Haciz — court seizure order. Property is subject to a debt enforcement action. Transfer may be blocked. (3) Tedbir — court injunction. Prevents transfer until legal proceedings are resolved. (4) Önalım hakkı — pre-emption right. Another party (often other building owners) has a right of first refusal. (5) Şufa hakkı — similar right. (6) Taşınmaz satış vaadi — a prior sales promise registered against the property. All annotations should be reviewed and understood before purchase.

What is the e-tapu system in Turkey?

The e-tapu (elektronik tapu) system is Turkey's digital land registry platform, managed by TKGM. It covers online appointment booking for title deed transfers (via randevu.tkgm.gov.tr), Web Tapu for certain document requests without a branch visit, and digital tapu certificates. Foreign buyers can use these online services to prepare, but the final transfer signing still requires the buyer (or an authorised representative under a notarised power of attorney) to attend the land registry directorate in person, alongside a sworn translator if needed.

How much is the tapu harcı (title deed transfer tax) in Turkey?

The tapu harcı is 4% of the property's taxable value, calculated on whichever is higher: the price the buyer and seller declare, or the municipality's minimum assessed value (rayiç bedel / asgari vergi değeri) for that parcel — the land registry will not accept a declared price below this floor. By law the 4% is split 2% buyer / 2% seller, but market convention in most Turkish sales shifts the full 4% onto the buyer unless the contract says otherwise, so get this agreed in writing before signing.

Do foreign buyers still need a valuation report to get a tapu?

Not for a standard purchase. Circular 2024/4 from TKGM, effective 13 June 2024, removed the blanket requirement (in force since March 2019) for foreign buyers to obtain an SPK-licensed valuation report before title deed transfer. A report is still required in two specific cases: Turkish citizenship by investment (property must be independently confirmed at or above the $400,000 threshold via a GEDAŞ-issued TTB) and any mortgage from a Turkish bank, which always commissions its own appraisal. A short-term residence permit obtained on the basis of property ownership does not need a valuation report either — since 16 October 2023 that route is confirmed from the sale price recorded on the tapu itself, which must reach at least $200,000.

Are there limits on how much land a foreigner can hold under a Turkish tapu?

Yes, two limits apply to foreign individuals (not to Turkish companies, even those with foreign shareholders, which follow separate rules): a nationwide cap of 30 hectares per person, and a rule that foreign nationals collectively cannot hold more than 10% of the total private land area within any single district (ilçe). Neither limit affects the vast majority of ordinary apartment or villa buyers — it mainly matters for large land acquisitions. Property inside designated military or security zones is also off-limits to foreign buyers; this is checked automatically during the transfer process.

What is iskan and how does it relate to my tapu?

İskan (habitation certificate, also called yapı kullanma izin belgesi) is issued by the municipality once a building is confirmed to comply with its approved construction permit and is safe to occupy. A completed building with iskan can register its units as kat mülkiyeti — the secure, final title type. Without iskan, units remain at kat irtifakı stage indefinitely. Always ask the seller or developer directly whether iskan has been obtained, and verify it independently rather than relying on a verbal assurance.

Can I buy a property in Turkey that only has kat irtifakı?

Yes, and it is common for new-build and off-plan purchases, since kat irtifakı is the normal title stage during construction. The key is due diligence on the developer: check their track record, confirm the building permit (yapı ruhsatı) is valid and matches what is being built, and get contractual protection (such as a completion date and penalty clause) for the conversion to kat mülkiyeti once iskan is granted. Buying kat irtifakı from a first-time or financially unstable developer carries meaningfully higher risk than buying a completed kat mülkiyeti unit.

Does a tapu automatically come with Turkish residency or citizenship rights?

No. Owning a tapu, by itself, grants no automatic residence or citizenship rights — it is simply proof of property ownership. Property ownership can support a short-term residence permit application (since October 2023, the property must be independently valued at $200,000 or more) or Turkish citizenship by investment (property value of $400,000 or more, held for at least three years), but both routes require a separate application with their own document and valuation requirements on top of the tapu itself.

What happens to the tapu if I buy through a Power of Attorney?

If you cannot attend the land registry appointment yourself, a notarised power of attorney (vekaletname) — issued at a Turkish consulate abroad or a notary in Turkey, and including your photograph — allows a representative (commonly your lawyer) to sign the transfer on your behalf. The tapu is still registered in your name as the buyer; the power of attorney only authorises someone else to complete the signing steps. Make sure the POA is drafted specifically for the property transaction, including the parcel details, to avoid it being rejected at the registry desk.