Property in Turkey
How the Turkish land registry (Tapu ve Kadastro) title deed transfer works for foreign buyers. From taxes and military clearance to required documents, the 2024 valuation report rule change, and the final signing appointment.
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The title deed (tapu) transfer in Turkey for foreign buyers follows a formal process at the Tapu ve Kadastro Müdürlüğü (Land Registry). It requires a Turkish tax number, an automatic military clearance check (now typically 2–4 weeks), 4% transfer tax, DASK earthquake insurance, and the buyer or their authorised representative attending the signing. A separate SPK valuation report is no longer generally required since a 2024 rule change — only citizenship-by-investment purchases and mortgage-financed purchases still need one. The signing appointment itself is 30–60 minutes; realistic end-to-end preparation for a foreign buyer runs 4–8 weeks, driven mainly by the military clearance timeline.
Rule change: the valuation report is no longer mandatory for standard purchases
Between 2019 and mid-2024, every sale to a foreign buyer required an SPK-licensed valuation (ekspertiz) report before the tapu could transfer. Under TKGM Circular 2024/4, that blanket requirement was lifted for ordinary purchases with effect from mid-June 2024. It still applies in two cases: property bought to qualify for Turkish citizenship by investment (the $400,000+ route), and any purchase financed with a Turkish bank mortgage, where the lender requires its own appraisal. If you've read older guides — including this site's earlier version of this page — that state a valuation report is always mandatory, that information is now out of date for a standard purchase.
Sign preliminary sales contract
1–7 daysBefore formal transfer, buyer and seller typically sign a notarised preliminary sales contract (ön satış sözleşmesi) and the buyer pays a deposit. This is not the title deed itself — it is a contractual binding agreement. For off-plan purchases, this may be the only document until construction completes. Use this contract to fix, in writing, who pays the 4% transfer tax.
Obtain Turkish tax number
1 dayForeign buyers must have a Turkish vergi numarası (tax number) before the transfer can proceed. This is obtained from any Turkish tax office (Vergi Dairesi) with your passport, and takes roughly 15 minutes. It is also the credential you'll later need to access Web Tapu online.
Optional: commission a valuation report
3–5 days (if used)No longer mandatory for a standard cash purchase since TKGM Circular 2024/4 (mid-2024) — still required if the purchase is intended for Turkish citizenship by investment, or if you are financing with a Turkish bank mortgage (the lender commissions its own appraisal). Some cash buyers still commission an SPK-licensed report (₺ cost varies by property size and location) voluntarily, as independent evidence the declared price is realistic.
Obtain DASK earthquake insurance
1 dayDASK (Doğal Afet Sigortaları Kurumu) compulsory earthquake insurance is mandatory for all residential properties and cannot be waived. The premium is based on the property's size, construction type, and seismic zone, and the insured-value benchmark is revised monthly — get a live quote from an insurer or broker rather than relying on a fixed figure. It must be renewed every year.
Transfer purchase funds to Turkey
1–3 daysPurchase funds must move to Turkey through the official banking system. For foreign currency, the receiving Turkish bank issues a Döviz Alım Belgesi (DAB) confirming the currency was converted to lira — this document is mandatory at the land registry and its value cannot be lower than the declared sale price.
Pay title deed transfer tax and registry fee
Same day as transferThe 4% tapu harcı (title deed tax), calculated on whichever is higher of the declared price or the municipality's assessed minimum value, must be paid by bank transfer before the land registry appointment. You also pay the döner sermaye (revolving fund) administrative fee, which is retariffed every January and runs meaningfully higher for transactions involving a foreign buyer than for a domestic sale — get the exact current figure from the registry or your lawyer rather than an old guide.
Military clearance (automatic check)
2–4 weeksThe land registry automatically screens the parcel against the General Staff's digital military and security zone data. This is the step that most affects your overall timeline — plan for several weeks, not days. Most urban and resort-area properties clear without issue; this check runs in parallel with the rest of your document preparation.
Land registry appointment & signing
30–60 minutesBoth buyer (or POA holder) and seller attend the Tapu ve Kadastro Müdürlüğü, ideally with an appointment booked via randevu.tkgm.gov.tr. A sworn translator interprets for non-Turkish speakers. All parties review and sign the transfer documents, and the new tapu is issued the same day — either as a physical card or a Web Tapu digital record.
| Document | Who Provides | Mandatory |
|---|---|---|
| Passport + notarised Turkish translation | Buyer | Yes |
| Turkish tax number (vergi numarası) | Buyer (obtain from tax office) | Yes |
| DASK earthquake insurance certificate | Buyer arranges | Yes |
| 2 passport photographs | Buyer | Yes |
| Döviz alım belgesi (if funds from abroad) | Buyer's Turkish bank | Yes (for foreign-funded purchases) |
| SPK-licensed valuation report | Buyer commissions (lender, if mortgage-financed) | No — only for citizenship-by-investment or mortgage-financed purchases |
| Sales contract or reservation agreement | Seller / both parties | Recommended |
| Power of attorney (vekaletname) | Buyer (if acting via representative) | If not present |
| Current tapu of the property | Seller | Yes |
Example: €150,000 apartment purchase — approximate, illustrative only
Because döner sermaye fees, DASK premiums, and exchange rates all move frequently in Turkey, treat every figure here as directional — confirm the exact current amount with your lawyer or the land registry before budgeting precisely.
Turkey abolished the old reciprocity requirement in 2012 — a foreign buyer's home country no longer needs to grant Turkish citizens the same right for the purchase to go ahead. That opened property ownership to nationals of roughly 180 countries. A small number of nationalities remain restricted (Syria and North Korea are consistently ineligible; a handful of others face partial or case-by-case restriction), so confirm your specific nationality's status with a lawyer before signing a reservation agreement. Two area limits also apply to foreign individuals:
Assuming the valuation report is still mandatory
Foreign buyers sometimes budget for and delay closing around an ekspertiz raporu that hasn't been a general requirement since TKGM Circular 2024/4 (mid-2024) — outside the citizenship-by-investment route or a mortgage-financed purchase, it is no longer compulsory. Ask your lawyer for the current rule rather than relying on older guides.
Underestimating the military clearance timeline
Many buyers still expect a 2–5 day check because that was accurate several years ago. Budget 2–4 weeks, and build that into any moving, visa, or lease-ending timeline you're coordinating around the purchase.
Skipping a written agreement on who pays the 4% tapu harcı
The law splits it 2%/2%, but market convention often shifts the full 4% to the buyer. Get this explicitly agreed in the preliminary contract — a verbal understanding at negotiation stage is not enforceable at the registry desk.
Sending purchase funds without arranging the DAB in advance
Wiring money to Turkey without first confirming the receiving bank will issue a matching Döviz Alım Belgesi can stall the transfer at the final step, sometimes for days, while the paperwork is corrected.
Letting the DASK policy lapse
DASK earthquake insurance is compulsory and renews annually — a lapsed policy can hold up a future resale or mortgage application on the same property, and it invalidates your earthquake coverage in the meantime.
Not confirming POA scope and expiry before travelling home
A vekaletname that is too narrowly worded, or that expires before the military clearance check completes, forces a costly and time-consuming re-notarisation abroad. Have your lawyer draft POA wording that explicitly covers the full transfer process, not just "attending the appointment."
Before and after the title deed transfer
The tapu transfer is the final step of a process that should begin with thorough property due diligence. Your Turkish property lawyer manages the process and can attend the land registry on your behalf under a power of attorney. Understand all purchase costs and taxes — including the ongoing annual property tax and, if you sell later, capital gains tax — before the appointment.
The signing appointment itself at the Tapu ve Kadastro Müdürlüğü (Land Registry) is short — usually 30–60 minutes once both parties are present with complete documents. But the full process for a foreign buyer, from preliminary contract to receiving the tapu, realistically takes 4–8 weeks. The main variable is the automatic military clearance check, which typically takes 2–4 weeks (occasionally longer) rather than days. Domestic (Turkish-to-Turkish) sales can complete in as little as 1–2 weeks because that check runs faster and fewer documents are required.
The main tax due at transfer is the tapu harcı (title deed transfer tax) — 4% of whichever is higher: the price the parties declare, or the municipality's minimum assessed value (rayiç bedel / asgari vergi değeri) for that parcel. By law this 4% is split 2%/2% between buyer and seller, but in practice most listings are priced on the basis that the buyer covers the full 4% unless negotiated otherwise — confirm this in writing before signing. On top of the tax, you pay a döner sermaye (revolving fund / administrative service) fee to the Land Registry itself, which is retariffed every January and is meaningfully higher for transactions involving a foreign buyer than for a domestic sale.
No — this is one of the most-missed updates. From 2019 until mid-2024, an SPK-licensed valuation (ekspertiz/değerleme) report was mandatory for every sale to a foreign buyer. Under TKGM Circular 2024/4, that general requirement was lifted for standard purchases with effect from mid-June 2024. A valuation report is still required in two specific cases: a property purchase intended to qualify for Turkish citizenship by investment (the $400,000+ route), where an appraisal remains part of the Ministry-approved process, and any purchase financed with a Turkish bank mortgage, where the lender commissions its own appraisal as a lending condition. Even where it is no longer compulsory, many lawyers still recommend commissioning one voluntarily, since it gives you independent evidence the declared price is realistic and protects you if the tax authority later challenges the valuation.
No, provided you have granted a valid Turkish power of attorney (vekaletname) to a trusted representative — commonly your lawyer. A POA signed in Turkey must be notarised by a Turkish notary; one signed abroad must be notarised locally and then apostilled (or legalised at a Turkish consulate for non-Hague countries) and translated into Turkish. The representative then attends the land registry appointment and signs on your behalf. Many foreign buyers who cannot travel for the appointment use this route rather than delaying the purchase.
In practice: (1) original passport plus a notarised Turkish translation, (2) a Turkish tax number (vergi numarası), (3) DASK compulsory earthquake insurance certificate, (4) two passport photographs, (5) a döviz alım belgesi (foreign exchange purchase certificate) confirming funds sent from abroad were converted through a Turkish bank, if applicable, (6) the sales contract or reservation agreement, (7) power of attorney if you are acting through a representative, and (8) the seller's current tapu. A valuation report is no longer a standard requirement (see above) except for citizenship-by-investment purchases or purchases financed with a Turkish bank mortgage.
The declared value (beyan edilen değer) is the figure the parties state in the sale, and it forms the tax base for the 4% tapu harcı. Turkish law requires this declared figure to be at least the municipality's minimum assessed value (rayiç bedel) for that parcel — the land registry will not process a transfer declared below it, and will use the higher figure automatically. Historically some parties understated prices to reduce the transfer tax; the tax authority has since tightened cross-checking against bank records and municipal valuations, and understating price now carries real audit and penalty risk, not just a theoretical one.
Yes. Reciprocity was abolished in 2012 — a foreign buyer no longer needs their home country to grant Turks the same right. Provided your nationality is on Turkey's current eligible list, the property clears military zone screening, and your documents are complete, the tapu is issued directly in your name, showing your passport details, nationality, and Turkish foreigner ID number (yabancı kimlik numarası).
Most, but not all. Since the 2012 reform, nationals of roughly 180 countries can buy Turkish real estate on the same basis as Turkish nationals (subject to the area limits below). A small number of nationalities remain restricted for national-security or bilateral reasons — Syria and North Korea are consistently cited as ineligible, and a handful of other countries face case-by-case or partial restrictions that can change. Always confirm current eligibility for your specific nationality with a Turkish real estate lawyer before signing a reservation agreement, since the list is set by cabinet decision and can be updated.
Yes, two limits apply to foreign natural persons (not to Turkish companies with foreign shareholders, which follow separate rules): a nationwide cap of 30 hectares (300,000 m²) per individual, and a rule that foreign nationals collectively cannot own more than 10% of the total private land area within any single district (ilçe). Neither limit is relevant to the vast majority of residential apartment or villa purchases, but it matters for large land or multi-property acquisitions. Foreign nationals also cannot acquire property inside designated military or security zones — this is exactly what the automatic military clearance check screens for.
Every sale to a foreign buyer is automatically screened by the Land Registry against the General Staff's digital military and security zone data to confirm the specific parcel is not inside a restricted zone — you do not apply for this separately. In practice this takes about 2–4 weeks, occasionally longer for parcels near coastlines, borders, or ports where more zones exist; it is the single biggest driver of how long the overall process takes. The large majority of ordinary urban and resort-area apartments and villas clear without issue. If a parcel is refused, the sale cannot legally complete and the buyer should have a contract clause allowing deposit return in that scenario.
If your purchase funds originate outside Turkey, the land registry requires proof that the foreign currency was sold to a Turkish bank and converted into Turkish lira before the transfer — this proof is the Döviz Alım Belgesi (DAB), issued by the receiving bank. The amount shown on the DAB cannot be lower than the price declared at the land registry. This requirement has not been removed and remains a standard, non-negotiable part of the paperwork for cross-border funded purchases; your bank or lawyer arranges it as part of transferring your purchase money into Turkey.
Web Tapu is TKGM's online land registry portal, part of the same TAKBİS system used nationwide. It lets property owners with a Turkish tax number and e-Devlet or mobile signature access their own title records, book the physical land registry appointment (via the separate randevu.tkgm.gov.tr appointment system), and handle some follow-on paperwork online once they already hold a tapu. It is a useful tool for managing a property you already own, but it does not replace the in-person (or power-of-attorney) signing appointment required to complete a first-time transfer to a foreign buyer — that step, and the identity/military-clearance verification behind it, still needs a physical or POA-represented appearance at the registry.
Once the tapu is issued, register the property for annual emlak vergisi (property tax) at the local municipality — this is separate from the one-off transfer tax and is usually due if you haven't already been auto-enrolled. Keep your DASK earthquake insurance active every year (insurers send a renewal reminder, but lapses are common and can complicate future sales or claims). If you plan to use the property to support a residence permit application, keep the tapu and DASK certificate on hand, as immigration authorities request both. If you later sell, be aware Turkey applies capital gains tax on property held under 5 years, tapering to none after that period — plan any resale around this if tax efficiency matters to you.
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Navigate the Turkish property market with confidence — from finding the right home to completing the tapu transfer legally and safely.
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