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Foreign Investors
Can a foreigner use a mortgage loan in Turkey?
Answer
Some banks offer home loans to foreigners, but the conditions are stricter than for Turkish residents: a higher down payment, higher interest, and close scrutiny of the title deed and income documents. That is why many Northern European buyers come with cash or financing from their home country.
There is no foreign-buyer loan product as standard as the French crédit immobilier. A promise that “your loan will be approved” must be backed by a bank pre-approval. A mortgage file also requires the bank's own appraisal; this is separate from the land registry's (TKGM) valuation exemption for standard purchases.
İnterkon Realty Group does not lock the price to a loan assumption. If the loan falls through and there is no cash plan, the file stops.
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