Interest-free real estate financing in Türkiye – Buying without a bank loan
In times of high interest rates and restrictive lending, many property buyers are looking for alternative financing solutions – especially in Turkey. One particularly popular option is interest-free real estate financing Türkiyethat works without a bank loan and offers security and flexibility.
What does interest-free real estate financing mean in Turkey?
With this model you pay no interest, but provide a down payment (e.g. 40 %) and pay the remaining amount in monthly installments, without additional costs from banks. The system is based on the principle of solidarity savings and is completely legal, notarized, and supervised by the Turkish Financial Supervisory Authority. BDDK (Bankacılık Düzenleme ve Denetleme Kurumu) regulated. This makes it a reliable alternative for foreign investors as well.
More about the BDDK (official website)
What variants are there?
- Allocation by lottery: Early or later handover depending on group allocation.
- Individual financing model with down payment: Fixed handover date, optionally with constant or slightly increasing installments.
- Model without down payment: Longer term, handover takes place in the middle of the term.
Real estate financing in Turkey – Overview
The following graphic shows how easy and secure it is to purchase property in Turkey interest-free – without any bank loan.
Example calculation for interest-free real estate financing in Turkey
Value of the property: 500,000 TL
Down payment: 150,000 TL
Duration: 50 months
Installment before handover: 7,000 TL
Rate after handover: 7,700 TL
Advantages of interest-free real estate financing in Türkiye
- ✅ No interest, no hidden fees
- ✅ Contractually secured & regulated by the BDDK
- ✅ Installment break possible if required
- ✅ Right of withdrawal with reimbursement of payments
- ✅ Early move-in possible
- ✅ Purchase of any property in Turkey possible
Buy interest-free at Exquisite Residence in Alanya
We also offer this model in our project Exquisite Residence in Alanya With a deposit of just 40 % you can secure your dream apartment, the rest will be interest-free until October 2025 paid.
- 🔹 9 % guaranteed rental yield for 3 years
- 🔹 Notarized contracts
- 🔹 Payment also possible in Euro, Bitcoin or Gold
- 🔹 Full service including rental and management
About the Exquisite Residence project
Conclusion: Invest now independently of banks
Interest-free real estate financing in Türkiye is a modern and fair solution – especially for foreign buyers who want to invest independently of banks. Combined with a high-quality project such as Exquisite Residence, you have a unique opportunity for a safe, profitable and ethically sound investment.
