Turkey is considered one of the most attractive destinations for real estate investment worldwide, as its real estate market experiences active and increasing movement. The option of purchasing properties in installments is a distinctive choice for many investors and buyers, especially those looking to own a home or apartment without the need to pay the full amount upfront. This method provides them the opportunity to facilitate the purchasing process, thus increasing their ability to access desired properties. 

In light of the current economic conditions, the demand for these flexible financial options is rising, as installment purchasing is seen as a convenient means to help buyers manage their budgets. Therefore, Turkey has become an ideal destination for those seeking to invest in the real estate market or looking for a permanent residence, as it offers a wide range of opportunities that cater to the needs of all groups.

In this context, this article aims to highlight all aspects related to purchasing properties in installments in Turkey in 2025, from the types of available properties to financing methods and the necessary procedures to ensure a successful transaction.

Why Choose Turkey for Real Estate Investment in 2025?

Turkey is one of the most attractive real estate investment destinations in 2025, with several reasons pushing investors to choose it, including:

• Strategic Location: Turkey is located at the crossroads of Asia and Europe, making it an important commercial and cultural hub. This location facilitates access to global markets and enhances trade and investment.
• Sustainable Economic Growth: The Turkish economy is witnessing continuous growth, supported by investments in infrastructure, education, and healthcare. This creates a healthy investment climate that attracts investors.
• Diverse Types of Properties: Turkey offers a wide array of property options, from residential apartments in Istanbul to luxurious villas in Bodrum, as well as commercial properties, catering to the needs of various investors.
• Encouraging Government Policies: The Turkish government offers incentives for investors, such as expedited procedures for obtaining Turkish citizenship when purchasing a property valued at $400,000 in 2025, along with flexible payment plans available to investors.
• Urban Development: Many Turkish cities are witnessing new urban development projects, increasing the investment appeal of new areas.
• Competitive Property Prices: Property prices in Turkey remain lower than in some other European destinations, making it a good opportunity for investment.
• Increasing Local and International Demand: The demand for properties in Turkey is continuously rising, enhancing opportunities for property rental and increasing their value over time.
• Political Stability: Despite challenges, the Turkish government strives to achieve political and economic stability, contributing to increased confidence in the real estate market.

Types of Properties Available in Turkey in 2025

Turkey offers a variety of property types that cater to the diverse needs of different investors and buyers, including:

• Residential Apartments: Apartments are among the most popular options sought by buyers in the Turkish real estate market, thanks to their wide range of sizes and designs. These residential units are ideally suited for individuals and small families, providing ample space and comfort for a pleasant daily life. Apartments are available in many major cities, such as Istanbul, which is a prominent cultural and urban center; Antalya, known for its beautiful beaches and mild climate; and Bodrum, famous for its tourism appeal and scenic routes. This diversity in location and design makes apartments an attractive choice for many buyers, whether they are looking for a permanent residence or a real estate investment.
• Villas: Villas are characterized by a high level of privacy and luxury, making them an ideal choice for many buyers seeking a comfortable residential environment. These villas are often located in picturesque coastal areas or tranquil suburbs, where residents can enjoy beautiful natural surroundings and a peaceful atmosphere away from the hustle and bustle of major cities. Villa prices vary significantly depending on their location and size, providing buyers with diverse options that fit their budgets. Villas are an excellent choice for large families that require more living space, and they also represent an appealing investment for vacation properties, as they can be used as holiday retreats or rented out for unique tourism experiences. The combination of privacy and luxury makes villas one of the most desired options in the Turkish real estate market.
• Commercial Properties: Commercial properties encompass a range of types, including retail stores and offices, offering investors a wide array of opportunities. These types of properties are excellent options for investors seeking tangible investment returns, whether through leasing these units or using them for various business purposes. Retail stores provide a conducive environment for businesses and attract customers, while offices offer suitable workspaces for companies. Due to the considerable diversity of these properties, investors can choose what aligns with their strategies and investment goals.
• Residential Complexes: Residential complexes feature a wide range of luxury apartments designed to meet modern living needs. These complexes include a variety of exceptional amenities such as swimming pools, green gardens, and dedicated children's play areas, contributing to a comfortable living environment that addresses family needs. These complexes emphasize high levels of safety and comfort, making them an attractive option for families in search of a comfortable and secure living atmosphere. Additionally, the use of these amenities enhances the quality of daily life for residents, providing opportunities for various recreational activities without the need to leave the area. Therefore, residential complexes represent the ideal choice for families seeking a balance between luxury and comfort.
• Hotel Apartments: Hotel apartments are an appealing option for rental units, allowing investors to achieve good investment returns by renting them to tourists. These units are characterized by their unique design and modern amenities, making them preferred by visitors seeking a comfortable and flexible stay during their travels. Renting hotel apartments is a popular investment strategy, especially as demand for them increases in well-known tourist areas, contributing to higher financial returns for investors. These units also provide visitors with a sense of privacy and comfort, alongside the ability to explore local attractions as if they were at home. Thus, hotel apartments are an exciting investment that can yield significant financial gains in the long term.
• Agricultural Properties: Agricultural properties represent ideal opportunities for investors interested in the agriculture sector or environmental projects, as these lands can be used for crop cultivation or livestock rearing, thereby enhancing agricultural production. Furthermore, these lands can be utilized for recreational and leisure purposes, such as establishing small resorts or tourist centers that support environmental activities. These opportunities enable investors to generate profits by leveraging natural resources and shifting towards sustainable investments that contribute to community development and bolster the local economy. Consequently, agricultural land is an attractive option for investors looking to engage in agriculture and environmental development.

Installment Financing Options for Purchasing Real Estate in Turkey in 2025

When it comes to purchasing properties in Turkey in 2025, the market offers a variety of installment financing options that cater to different buyers' needs. These installment financing options present a great opportunity for buyers who wish to own property in Turkey, facilitating residential or investment desires without significant financial pressure. Here are the prominent options:

• Low Down Payment: Developers often require an initial payment that ranges between 30% to 50% of the property's price as a down payment. This percentage makes it easier for buyers to initiate the property purchase without the need to gather the full amount upfront.
• Flexible Payment Plans: Some developers offer flexible payment options that extend over periods ranging from 12 to 24 months. This allows buyers to pay the remaining amount in monthly installments, easing the financing process.
• Long-Term Payment Periods: Certain developers provide installment plans that extend for several years (up to 5 years or more), giving buyers more time to settle the remaining amount without significant financial strain.
• No Interest Payments: In many cases, some companies offer installment financing without interest, which is a major advantage for investors looking to minimize overall costs.
• Bank Financing: Buyers can also access financing options through Turkish banks, as many financial institutions offer mortgage loans with competitive interest rates and flexible terms.

Procedures for Purchasing Property in Installments in Turkey in 2025

If you are considering buying property in installments in Turkey in 2025, there are several procedures to follow to ensure a successful process. Here are the basic steps:

1. Research Suitable Properties: Start by searching for available properties in the market. You can contact us for accurate information regarding the available options. Ensure to define your budget and the specific type of property you wish to purchase.
2. Contact Developers or Agents: Once you have identified the suitable property, contact the developer or real estate agent to obtain details about the offer. Inquire about installment financing options and investigate the payment terms and the specific installment plan.
3. Verify Legal Documents: Ensure that the property has all necessary legal documents, such as the title deed and building permits. This will help you avoid any potential legal issues in the future.
4. Sign the Purchase Agreement: After reaching an agreement with the developer or agent, sign the purchase agreement. Make sure to read the contract carefully and understand all terms and conditions, including payment and installment details.
5. Make the Down Payment: When signing the contract, you will generally need to pay the agreed-upon down payment (usually 30-50% of the property's value), which is part of the installment financing.
6. Organize Payment Installments: After paying the down payment, you should adhere to the agreed payment schedule. Ensure that you are aware of the payment dates and the available payment methods.
7. Registration Procedures: After completing all installment payments, you must register the property in your name at the local land registry. All necessary documents must be submitted to complete this process.
8. Obtain Legal Assistance: It is advisable to engage a specialized real estate attorney to ensure that your rights are protected throughout the purchasing process, especially if you are not familiar with local laws.
9. Complete Citizenship Application Procedures (if required): If you intend to acquire Turkish citizenship through investment, you should follow the required criteria and application procedures.

By following these steps, you can ensure a smooth and secure property purchase experience in installments in Turkey. Make sure to conduct the necessary research and consult with specialists to ensure sound decisions at every stage.

Are There Benefits to Purchasing Properties in Installments in Turkey?

Yes, there are numerous benefits associated with purchasing properties in installments in Turkey, making this method attractive to many investors and buyers. Here are some of the advantages:

• Alleviation of Financial Burden: Purchasing properties in installments allows buyers to spread the cost over several payments, making the financial burden lighter compared to full payment.
• Investment in Property: Buyers can utilize the property (either for living or rental) while still paying the installments, which enhances the return on investment and contributes to generating additional income.
• Diversification of Investment Portfolio: Buying properties in installments is an effective way to diversify your investments, especially if you wish to invest in multiple properties at once without needing to provide the full amount for each.
• Good Investment Opportunities: In some cases, market prices may be rising, making purchasing property in installments an ideal option to secure a better price before prices increase.