Who it is for
Guide for First-time Buyer
Budget, financing, location and the purchase itself — a step-by-step guide.
For first-time buyers, Zekeriyaköy offers entry-level options from 18M TL to 30M TL, ranging from one-bedroom apartments to semi-detached villas. This is a practical step-by-step guide to mortgage planning using live Central Bank rates, checks on title deed, occupancy permit and zoning, negotiation strategy, and how to avoid the common pitfalls with developers and intermediaries.
Key topics for this profile
- Budget planning: purchase price plus 5-10% in additional costs
- Mortgage financing at current Central Bank rates
- Comparative market analysis (CMA)
- Title deed, occupancy permit and zoning checks
- Independent structural survey report
- Negotiation strategy, with 15-20% discount potential
- Title transfer and service charge handover
Frequently Asked Questions
- What is the minimum budget for a first home?
- An entry-level one-bedroom apartment in Zekeriyaköy runs 18-25M TL, or 19-27M TL all in once the additional 5-10% of costs is included. With a 50% deposit you would need a mortgage of 13-15M TL.
- Which check matters most?
- Verifying the title deed alongside the occupancy permit and zoning certificate. Always commission an independent structural survey. A comparative market analysis can prevent an overpayment of 15-20%.
Step-by-step First Home Guide
Start the process with Kerem Ali Yörükoğlu at Keller Williams.