From May 1, 2026, the procedure for settlements in real estate transactions in Turkey is changing
From May 1, 2026, the procedure for settlements in real estate transactions in Turkey is changing
An important change is being prepared for the real estate market in Turkey.
From May 1, 2026, a mandatory state secure payment system, Güvenli Ödeme Sistemi, will be introduced and will become the standard for all real estate transactions.
The new rules will apply to:
- apartments and houses,
- land plots,
- commercial real estate.
What changes fundamentally
The key difference of the new system is that funds are no longer transferred directly from the buyer to the seller. All settlements go through a state payment mechanism. This changes the very logic of closing transactions.
How a transaction will proceed under the new rules
The process works as follows:
The buyer transfers the transaction amount to the Güvenli Ödeme Sistemi.
The funds are blocked until the registration is completed.
The transfer of ownership is registered with the Land Registry (Tapu).
After registration, the system automatically transfers the funds to the seller.
In practice, the funds and the ownership rights are transferred simultaneously.
Why this is important for the market
The introduction of the system addresses several key issues at once:
reduces the risk of fraud;
eliminates risks associated with transferring large amounts of cash or “trust-based” transfers;
limits grey schemes and undervaluation of property prices in contracts;
makes transactions more secure for foreign buyers.
For the market, this is a step toward greater transparency and formalization.
Who regulates the changes
The regulation has been prepared by the Ministry of Trade of Turkey.
Official publication of the document is expected in the Resmi Gazete, where all technical details of the system’s operation will be approved.
What this means in practice
Buyers and sellers will need to take the new settlement procedure into account in advance when planning transactions. Formally, the process will become more structured, but also more demanding in terms of proper professional support.
How Qoople operates under the new conditions
We proactively adapt our processes to legislative changes.
The Qoople team supports transactions in compliance with the new requirements, helps correctly complete settlements and registration, and explains the transaction mechanics in clear, accessible language, especially for foreign clients.
If you are planning to buy or sell real estate in Turkey in 2026 and beyond, it is important to take these changes into account in advance.
We are ready to help you complete your transaction calmly, transparently, and without unnecessary risks.