Buying TOKI Homes Through Banks: Units, Contracts and Charges

[TURKIYE]

In a TOKI sale, the bank carries out contracting and collection for the assigned project. Start with the project notice and responsible bank, then examine the price, contract and payment charges. Visiting a familiar bank does not, by itself, confirm that a unit is available.

Keep the sales method in context​

The 2026 direct-sale campaign without a lottery specified 15 June–17 July 2026, through Ziraat Bank and Halkbank. That announced window has ended; a new purchase needs a separate active notice.

Existing buyers continue with the bank that handled their contract. “Without a lottery” described unit selection in that campaign. It did not remove eligibility conditions or complete ownership merely because someone enquired or made an undocumented payment.

From listing to contract​

Stage	What to check	What to retain
Select a project	Phase, unit number and assigned bank	Notice and unit list
Bank enquiry	Availability, price and payment method	Written offer or statement
Down payment	Collection account and payment reference	Receipt identifying you and the project
Sign the contract	Adjustments, handover, taxes and rights	Complete signed copy
Follow-up	Instalment dates and delivery status	Payment statements and correspondence

Do not rely solely on a development’s general marketing name. Two projects in the same neighbourhood can differ in phase, bank, tax treatment and readiness. Match the unit number across the documents.

A living room and its interior fittings​

Understanding the bank commission​

The 2026 campaign document specified 0.5% commission on the down payment, plus BSMV at 5% of that commission. In this example, the tax is charged on the commission, not at 5% of the apartment price. The document also provided for commission and its tax to be collected with instalments.

For a TRY 1,000,000 down payment, the arithmetic gives TRY 5,000 commission and TRY 250 BSMV, or TRY 5,250 for this charge. This excludes apartment VAT, title expenses and other items. It illustrates the referenced document rather than a permanent tariff for every TOKI sale.

Keep the cost categories separate​

Cost	Why it varies	Question to ask
Down payment	Unit price and payment option	How much is due, and when?
Bank commission and BSMV	The contractual calculation base	What is charged at signing and with instalments?
KDV/VAT	Project tax status and payment method	What amount and collection schedule apply?
Instalments and balance	Periodic adjustment mechanism	Which index and first adjustment date?
Building management charges	Operating and shared-facility costs	When do charges start, and what is the expected amount?

Receiving the keys to a home​

Read these points before signing​

Is this the project’s assigned bank, and is the notice still valid?
Is the price before or after discount, and does it include VAT?
Are instalments adjustable, and how does the debt balance change?
What unit, floor area, phase and delivery date are specified?
When can contractual rights be transferred, and how is withdrawal exercised?

The 2026 campaign included a 14-day withdrawal right from signing, as well as separate provisions on withdrawal and transfer. If you intend to exercise a right, check the contract and required procedure with the bank; an undocumented telephone call should not be assumed to complete it.

Keeping the purchase on track​

Monitor account statements and due dates, retaining a reference for every transfer. If the amount changes, ask for a breakdown of principal, adjustment, commission and tax before treating it as a new instalment figure.

For ready projects, the campaign document called for VAT invoicing through the project branch before collecting the unit on site. For unfinished projects, follow your unit’s specific handover notice. A request to pay a personal account is not validated by a TOKI or bank logo: confirm the recipient, documentation and account directly with the bank.

Apartment buildings in Istanbul​

Related topics​

• Turkey Rent Increases: October 2026 Cap and Calculation
• TOKI Sales in 64 Provinces: The 2026 Campaign and Next Steps
• TOKI Home Handovers in 2026: Schedules and Key Collection
• TOKI’s June 2026 Auction of 332 Plots: Terms and Follow-Up
• TOKI Home Purchases in 2026: Eligibility and Payment Plans
• Turkey Earthquake Housing: Completed Works and Project Checks
• Modern TOKI Neighbourhoods: Services and Housing Quality
• QR Payments in Turkey: FAST-TR and Checking the Merchant and Amount

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