This tool estimates what taking out a mortgage in Turkey will cost you in fees. You enter the mortgage amount and it calculates the mortgage expense fee (4.55 per thousand), stamp duty (9.48 per thousand) and the revolving fund fee. The figures are estimates based on current rates, and the actual fees may vary depending on the bank, the property type and the regulations applicable at the time of the transaction.
Calculate mortgage expenses based on the mortgage amount, including mortgage expense fee (4.55 per thousand), stamp duty (9.48 per thousand), and revolving fund fee.
When a bank lends against a property in Türkiye, a mortgage (ipotek) is registered on the title deed in the bank's favour. The calculator estimates the three items charged on the mortgage amount:
These items are normally part of the borrower's cost of taking the loan; confirm the split with your bank. Loan interest, the bank's own charges, valuation and insurance are separate and are not in the result. For the costs of the purchase itself, use the title deed fee calculator.
Some mortgages can be exempt from the registration fee and stamp duty, for example certain agricultural and tradesmen's credits, financial leasing and loans granted by specified banks, international institutions and foreign credit institutions. Whether your loan qualifies depends on its type and lender.
Our real estate attorneys review the mortgage documents and the title before you borrow against or buy a property in Türkiye. For taxes on the property itself, see the property tax calculator.
No. It is an estimate from the standard rates on the amount you enter. The land registry and your bank confirm the final figures.
The fees are calculated on the mortgage amount, not on the borrower's nationality.
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