İstanbul’s Yarısı Bizden: Support, Conditions and Applications

عناقيد · Tuesday at 11:04 PM

Urban Transformation Directorate poster showing the support components and announced extension to31December2027. The loan is repayable. Progress counts belong to the poster’s publication context, not this guide’s review date; the poster does not establish every applicant’s eligibility.

What is the programme, and who is this guide for?

Yarısı Bizden — Half From Us supports urban transformation in İstanbul: rebuilding a property within the at-risk-building procedure. It is not a general grant to buy an apartment or a TOKİ home-sale announcement. This guide is useful to owners examining their building’s file and tenants arranging evacuation and alternative accommodation. Information is reviewed as of 20 October 2026; acceptance depends on the right-holder, property and current agreement.

Separate three questions before doing the sums: does the building qualify under the official procedure; do your status and rights qualify; and which project costs will support actually meet? An old building or a contractor’s promise does not answer them. This guide does not confirm foreign owners’ eligibility: we have not established an explicit official instruction settling that category, and do not invent a general exclusion either. Obtain an answer for your circumstances from the responsible authority before making commitments that depend on assistance.

Amounts: distinguish the grant, debt and moving costs

All amounts are Turkish lira. Support varies with residential or commercial use and the eligible unit. The combined package does not mean that the entire amount is deposited into the owner’s account.

Eligible unit	Grant	Repayable loan	Conditional evacuation/moving support	Arithmetic total
Home eligible for the grant	875,000	875,000	125,000	1,875,000
Workplace eligible for the grant	437,500	437,500	125,000	1,000,000

The loan is debt to be repaid. TRY 1,875,000 is not an entirely non-repayable grant or a promise to meet half of every home’s actual bill. Guidance lists loans of TRY 1,750,000 for additional homes and TRY 875,000 for additional workplaces. Do not repeat the same grant for every unit you own or assume multiple moving payments without checking the file.

The current amounts appear in the Ministry’s explanation dated 4 May 2025 and were reaffirmed in the presidential statement of 12 October 2026. They are therefore not presented here as a new October increase. Any remaining contractor contribution, testing, design, permit or additional cost needs a written quotation explaining what each item includes.

What does the extension to end-2027 mean?

Decision 11902 was issued on 19 October and published on 20 October 2026. It extends the period specified in Article 3, paragraph 13 of the support decision to 31 December 2027. This concerns the undertaking and contract within the defined procedure, not a universal online-application deadline for everyone in Türkiye.

That short provision does not itself change the support amounts, settle foreign-owner eligibility or guarantee that a file started on the final day will be complete. Start by checking the property’s stage, documents and appointments with the municipality and Directorate. An older official leaflet showing 31 December 2026 must not replace the current extension as your deadline; it may remain useful for explaining some procedural concepts.

Check the building and project before assuming support

The published guidance covers owners of at-risk buildings within Law 6306 in İstanbul’s 39 districts. A licensed body conducts the risk assessment; a photograph or building age does not establish it. Nor does a private pre-purchase inspection automatically establish completion of the official at-risk-building procedure.

The guidance sets a project condition: the new number of independent units or construction area must not exceed 1.5 times the existing figure, excluding parking and shelter areas from the area calculation. Ask the engineer and responsible authority to explain the comparison basis. Do not use only your room area or an advertised gross area. Extra space shown on a drawing is not proof of approval.

Rebuilding a single building through an owners’ agreement with a contractor also differs from a larger area or complex transformation. The latter may involve KDB, TOKİ and Emlak Konut where full agreement is achieved. Under that route, the grant is deducted from construction costs and the remainder handled under its arrangements. TOKİ’s involvement does not turn the property into a social-housing purchase scheme.

Application steps: from the property file to the Directorate

The following is a practical sequence based on the published route. Obtain the current checklist from the property’s district municipality before finalising your submission.

Establish the ownership and building position: owners, units, restrictions, risk report and approval stage. Keep each document’s date and seek explanations for discrepancies between the property and records.
Review the project, contractor agreement, unit allocation and each owner’s contribution. Put costs, safeguards, changes and delays in writing. Separate a promise of assistance from official approval.
Complete the required permit and kat irtifakı — construction easement procedures. This arranges rights in future independent units; it is not proof of completed construction or permission to occupy.
After kat irtifakı is established, apply to the district municipality for right-holder identification. ALO 181’s official application answer says an e-Devlet application is unnecessary for this route, and that the municipality sends the file to the Marmara Urban Transformation Directorate. That page still displays some older amounts; use the separately identified amounts above instead.
Attend the Directorate’s appointment to sign the grant undertaking and loan agreement for the accepted file, then follow the implementation and document requirements for each stage. Lodging municipal papers alone is not a final agreement or a payment guarantee.

If buying during the procedure, establish how the transfer date affects support. Guidance distinguishes sales before and after kat irtifakı is established. Do not assume a seller’s assistance automatically transfers to a purchaser. Present the actual chronology to the Directorate before including support in the purchase calculation.

Documents: a useful local example, not a universal checklist

Organise the file into three parts: the owner’s identity, rights and any representation; the property, units, risk report and stage; then the project, contractor and agreement. This is a suggested filing method, not mandatory bundle names or a replacement for the authority’s checklist.

Kadıköy Municipality’s service standards, page 9, provide an example for evaluating Yarısı Bizden applications:

Document in the local example	Check before submission
Identity copy	Name and right-holder status
For representation: original or certified power of attorney and representative’s identity	Authority and scope of representation
Kat irtifakı list	Owner’s connection to the specified unit
Contractor agreement	Contracting party, version and schedules
Contractor’s account-information document from Emlak Katılım	Company and account match the file

This service row concerns application evaluation, conditions in Ministry approvals and reporting to the committee. It is not an exhaustive list for every step from risk assessment to signing. Ask your municipality about the form, ownership and project evidence, copies, originals and appointment. A local service-completion standard is not a guarantee of acceptance or payment throughout İstanbul.

Who receives payment, and when is the loan repaid?

Construction payments go to the contractor on the right-holder’s behalf; the entire grant and loan are not handed to the owner in cash. Guidance describes stages of 30%, 30%, 30% and 10%. However, descriptions of the first 30% differ between “work starting” and the kat irtifakı stage in the guidance materials. Confirm the current agreement’s payment trigger and required evidence rather than expecting payment immediately when the permit is issued.

Later stages relate to completion of the structural frame, plastering or readiness for it, and finally the occupancy permission. A percentage is not a bank-transfer date. Stage acceptance, documents and authority procedures are separate factors. Keep progress reports and payment requests.

For the loan, guidance describes repayment starting two years after the building-permit date, with a term of up to ten years. The first repayment year is interest-free; later payments are updated using half the consumer-price-index change, TÜFE. This does not make the entire loan cost-free or establish a fixed instalment. Request a contractual schedule showing dates, the adjustment mechanism and your obligations before signing.

Evacuation support is separate: a one-off payment goes to the occupying tenant where applicable, otherwise to the owner under the conditions. Do not count TRY 125,000 for both owner and tenant on the same unit. It is not a monthly rent payment or a guarantee of accommodation costs throughout construction.

Test your budget before vacating

Suggested arithmetic example, not a construction quotation: suppose your contractual contribution is TRY 2,400,000 and your file confirms a TRY 875,000 grant plus a TRY 875,000 loan. TRY 650,000 remains outside those two components. The TRY 875,000 loan remains repayable debt; it does not reduce the economic cost in the same way as the grant. Do not automatically deduct moving support from the contractor’s bill: it may belong to the tenant and has its own purpose and conditions.

Alongside the project budget, allow for alternative rent, utilities, travel, storage, professional expenses and a reserve. Test a plausible delay without presenting it as an official construction period. No verified price per square metre, monthly instalment or automatic inclusion of taxes, notarisation and connections is provided here. Obtain actual quotations rather than entering zero for uncertain items.

Question before committing	Evidence or answer required
What must I pay if support is delayed?	Cash-flow schedule linked to defined events
What increases may the contractor request?	Calculation, limits and approvals in writing
When can I return?	Construction, occupancy-permission and handover sequence
What will waiting cost?	Actual accommodation and utility offers plus a separate reserve

Review the alternative tenancy’s deposit and notice conditions before signing, and record the apartment’s condition and meter readings when moving. Staying near work and school may reduce practical costs, but this is a household decision, not a programme-eligibility condition.

Frequently asked questions

Is owning an old apartment enough?
No. The at-risk-property procedure, project, right-holder determination, documents and agreement matter. Building age alone does not establish acceptance.

Does this cover all Türkiye or replace TOKİ purchases?
No. This route concerns İstanbul urban transformation. Social-housing and earthquake-reconstruction programmes have separate files and conditions.

Can a foreign owner rely on assistance?
We have not established an explicit official answer for that category. Obtain confirmation for your case rather than basing a deposit or contractor agreement on an intermediary’s general assurance.

Do I need an intermediary to submit through e-Devlet?
The published route does not require an e-Devlet application. Right-holder identification begins at the municipality after kat irtifakı, followed by Directorate referral. Obtain the checklist from the authority and do not pay someone claiming to guarantee acceptance.

Will I receive all TRY 1,875,000 personally?
Do not assume so. Distinguish the grant and loan paid to the contractor on the right-holder’s behalf from evacuation assistance and the unit’s occupant.

Does end-2027 mean I can do nothing until then?
No. The extension concerns the legally specified period, while the file requires stages, documents and appointments. Obtain a timetable for your case rather than waiting until the end.

İstanbul’s Yarısı Bizden: Support, Conditions and Applications

عناقيد

Active member