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Buying through TOKI’s 2026 campaign depended on specific eligibility rules and written payment terms. An open sale without a lottery did not make everyone eligible, nor did it mean instalments would remain unchanged throughout the repayment period.
Which campaign is covered?
This guide concerns the open-sale document for 15 June–17 July 2026. The announced sales window has ended. Its details help explain contracts signed then and compare their terms with later offers; they are not a current application invitation or permanent rules for every TOKI project.TOKI’s general FAQs explain that some open-sale conditions vary by project. Where a campaign-specific document exists, read that document rather than selecting a more convenient exception from a general page.
Eligibility in the campaign document
The campaign required Turkish citizenship and a minimum age of 18. Neither the applicant nor their spouse could have a home registered in their name in Turkey, and neither could previously have purchased a TOKI home. Only one home per household—the applicant and spouse—could be bought under the campaign.Residence or possession of a foreigner identity number does not satisfy the citizenship condition. If ownership shares or household circumstances are unclear, present the documents to the bank before paying: eligibility depends on the actual case and notice, not a news headline.
Receiving the keys to a home
Three payment alternatives
| 2026 campaign option | Down payment and term | Main point to check |
|---|---|---|
| Cash purchase | Cash payment with a 25% discount | Allow separately for taxes and charges |
| 50% down | 72 months with an 8% discount | Check the price used before discount |
| Split 50% down payment | 25% at signing and 25% by 30 June 2027; 60 months | Reserve funds for the second part |
For the split option, “a year later” is less precise than the written deadline of 30 June 2027. A longer repayment period also does not mean the total equals the initial instalment multiplied by the number of months: periodic adjustments apply.
Instalment adjustments
The document provided for the debt balance and instalments to increase twice yearly, in January and July, by reference to the preceding six-month civil-servant salary increase, capped by the announced CPI rate. The first periodic adjustment in this campaign begins in January 2027.The first instalment falls in the month after contract signing. Treat the down payment, first instalment and first periodic adjustment as separate events in your budget. Ask for a statement explaining the mechanism applied to your contract; an affordable starting instalment is not necessarily a fixed one.
Apartment buildings in Istanbul
Test the full commitment
| Budget item | What to record | Why it matters |
|---|---|---|
| Cash needed now | Down payment and initial charges | Avoid a shortfall on signing day |
| Second down-payment portion, if applicable | Amount due by 30 June 2027 | A commitment separate from monthly instalments |
| Monthly instalment | Starting amount and adjustment mechanism | Assess whether payments remain manageable |
| Housing while waiting | Rent and bills before delivery | Rent and instalments may overlap |
| After handover | VAT, management charges and furnishing | Delivery does not end every cost |
What to obtain from the bank
Request a written breakdown matching the project, unit and payment option. Review eligibility, delivery, VAT, commissions, withdrawal and transfer provisions, and retain every receipt with the contract.For a new purchase today, start with the current notice and its dates. A different programme may impose different ownership, income or residence rules. Do not automatically carry the 2026 campaign’s conditions into a later sale, or treat construction news as evidence that booking has opened.
An open-plan living space
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