Compare all three on the same table: USD price, down payment, instalment timing, TRY or USD exposure, bank fees, delivery date, title timing and exit cost. TCMB's weekly housing-credit series is the rate input, not a promise of approval.
What changes the buyer's decision?
A long instalment plan can hide a higher list price. A mortgage quote can change before approval. Cash can weaken negotiation if sent before due diligence.
Ask for a written Offer in each payment mode, then compare total cash out, timing and evidence for the same Residence.
Evidence and checklist
| Buyer moment | Check | Why it matters |
|---|---|---|
| Cash | Discount potential | Only after title and seller checks. |
| Developer instalments | Liquidity | Check list price, delivery and default clauses. |
| Mortgage | Bank approval | Use TCMB rate series as dated context. |
| Currency | TRY / USD exposure | Payment and rent currencies may differ. |
| Evidence | Same Residence | Compare modes on one Residence, not different Offers. |
How to use this in your shortlist
Start with your goal, budget and timing, then test one Project, one Residence and one Offer against the rule above. If evidence is missing, keep the gap visible instead of replacing it with a claim.
Evidence register
Sources
Source claims checked on 2026-08-24.
- TCMB, weekly loan interest rates
- Rule date
- weekly official series checked 2026-08-24
- Accessed
- 2026-08-24
- Supports
- housing-credit-rate input for finance comparison
- Invest in Türkiye, Acquiring Property and Citizenship
- Rule date
- current investment-guide page; programme notes 2025-06-01 guide
- Accessed
- 2026-08-24
- Supports
- land-registry transfer, foreign-buyer documents, no residence permit as purchase pre-condition, citizenship route list
Terms used in this guide
Every term links to its full definition in the glossary.
