TOKI’s 25% Debt Discount in 2026: Conditions and Deadline

[TURKIYE]

TOKI introduced a 25% discount campaign for settling eligible existing debts on homes and commercial units, running from 22 September to 19 October 2026. It concerns contracted buyers with outstanding repayments, not a blanket reduction in the price of every new home.

Dates and the responsible bank​

The campaign was announced on 18 September 2026, with applications opening on 22 September. TOKI confirmed on 7 October that it was continuing, with 19 October 2026 as the final date. Approximately 228,000 buyers were expected to be potentially eligible under the conditions; this was not a guarantee for every contract.

Apply through the bank that handled the original sale. Request a settlement balance calculated for the actual payment date and confirm completion within the campaign period. An enquiry or late transfer does not secure the discount.

Main eligibility conditions​

Announced condition	What to check in your file
Repayment start	Instalments began no later than the end of June 2025
Remaining instalments	More than 12; contracts with 12 or fewer are excluded
Settlement month’s instalment	Paid when applying
Arrears	No overdue instalments or outstanding property tax
Contract category	An eligible housing or commercial-unit debt

Ask the bank to confirm eligibility even if your contract appears to qualify. The purchase year alone is insufficient: repayment start, remaining instalments and payment status are separate considerations.

Receiving the keys to a home​

Full settlement: an example​

The announced discount for full repayment of an eligible balance is 25%. For an illustrative eligible balance of TRY 1,000,000, the discount is TRY 250,000, leaving TRY 750,000 before any separate case-specific charges.

This illustrates the percentage only. Your contractual balance is calculated for the settlement date by the bank and may differ from an earlier statement or the sum of old instalments. Do not transfer a self-calculated amount and assume the debt has been closed.

Partial payment and financing​

Route	What the announcement allows	What to obtain first
Full settlement	25% discount on the eligible balance	Settlement statement and final amount
Partial repayment	An upfront payment of at least 25% of the balance, with partial campaign benefit	Written discount calculation and revised balance
Bank financing	Financing through the intermediary bank may be used	Interest, fees and total repayment quotation

The 25% threshold for partial repayment is the minimum payment relative to the debt balance. It does not mean that a small payment cancels a quarter of the entire debt. Ask for the calculation applied to your contract.

Apartment buildings in Istanbul​

Title documents and costs​

For projects where condominium ownership has been established, the announcement requires a municipal document showing the property’s declared value and DASK insurance when attending the bank for title procedures. Also ask about separate expenses and the steps required for your development.

If considering finance to settle the balance, compare its total cost with the financial benefit of the discount and the household’s cash needs. The availability of a loan does not guarantee approval or make borrowing cheaper in every case.

A clear process before 19 October​

Locate the contract statement and responsible bank.
Check current instalments, arrears and property tax.
Obtain a written full or partial settlement calculation for the payment date.
Prepare the title and insurance documents required for your case.
Confirm the account and reference, then retain the receipt and revised balance or closure statement.

TOKI stated that full and partial repayments after 19 October 2026 would not receive this campaign’s discount. Early preparation helps identify missing documents before the deadline.

An open-plan living space​

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
• Buying TOKI Homes Through Banks: Units, Contracts and Charges
• TOKI Home Purchases in 2026: Eligibility and Payment Plans
• Turkey Earthquake Housing: Completed Works and Project Checks
• Modern TOKI Neighbourhoods: Services and Housing Quality
• Building Safety and the Limits of DASK Insurance

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