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07.02.2026
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Mortgages Return to Turkey: Alanya Property Market Outlook

Mortgages Return to Turkey: Alanya Property Market Outlook

📈 Mortgages in Turkey Are Back: Why Alanya Is in the Spotlight Again

The past year and a half has been challenging for the Turkish real estate market. Mortgages were almost “frozen” — rates reached 3.5–4.5% per month, and buying property became affordable only for those with full cash on hand. Many postponed deals, choosing a wait-and-see approach.

But now the wind is changing.
As reported by local Alanya media Alanya Postası and Gazete Alanya, banks are gradually lowering interest rates and resuming mortgage programs.

💡 This is more than just good news.
For the market, it’s a signal that a new growth cycle is starting.

What’s happening on the market right now?

Experts at RestProperty note a classic recovery scenario:

  • 🏦 Banks are resuming mortgage lending
  • 📈 Housing loan limits are increasing
  • 🎁 Special offers for buyers are appearing
  • 🇹🇷 The government is stimulating domestic demand

In Turkey, such stages have always preceded noticeable growth in property prices.

What about foreigners? Can they get a mortgage?

✅ Yes, they can! Foreigners are entitled to apply for a mortgage in Turkish banks on equal terms.

Main requirements:

• Down payment: 40–50% of the property value
• Loan term: up to 10 years
• Age: usually up to 65–70 at the time of final repayment
• Documents: Residence permit or issued Tapu + proof of income
📌 Key point: the bank evaluates not your citizenship, but your ability to pay. With transparent documents, Russians, Kazakhs, and Europeans have equal chances.

Why is Alanya especially interesting right now?

When local buyers gain access to mortgages, the first thing they look at is affordable and liquid housing — apartments in the 1+1 and 2+1 formats. These are exactly the apartments most often rented by foreigners.

🎯 Market mechanism:
1. First, purchase demand grows
2. Then rental rates increase
3. And only after that — sale prices

Expert opinion from RestProperty

The return of mortgages is not just banking news. It is an early signal of movement across the entire market. Those who react first usually get better terms and greater investment growth potential.

Why is it safer with RestProperty?

20+ years on the Turkish market is more than just a number. It means:

🏢 Own projects
in Antalya and Alanya
🏦 Mortgage expertise
All banking programs
⚖️ Legal support
Full transaction security

Looking for a reliable option without currency risks?

The RestProperty team will analyze your situation and offer the optimal solution — whether for living, renting, or investment.

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