Antalya for First-Time Buyers: Compact Homes, Loan Eligibility and a Budget Plan

Buying a first home is exciting and a little scary. Price, mortgage, valuation and title deed fee all arrive at once. This article is for local buyers; it explains the process through two budget-friendly real listings in Antalya.

Two budget-friendly examples

• A new 2+1 in Döşemealtı: 100 m², with a separate kitchen, eligible for a home loan. Price 5.15 million ₺ (≈ $105,000).
• A 1+1 residence apartment in Sun City: 55 m², ready for handover, in a complex with a pool, sports facilities and security. 4.9 million ₺ (≈ $99,560).

Prices are approximate values as of October 2026.

A step-by-step first-home plan

1. Set a budget. Add up the down payment, title deed fee, valuation and other costs. Our cost calculator gives these items.
2. Find out your loan eligibility. Banks look at the home's occupancy permit, the valuation and the applicant's income. Loan limits, terms and rates vary, so ask more than one bank.
3. Valuation. The bank determines the home's value with its own appraisal. The loan is granted as a percentage of this value, so the down payment is calculated on the appraisal, not on the asking price.
4. Title deed. The title deed fee is generally 2% for the buyer and 2% for the seller; the contract may state otherwise. A DASK policy is compulsory.
5. Management and maintenance fees. Ask about the maintenance fee and the complex rules.

What to watch in a loan application

• Occupancy permit. Banks require a building with an occupancy permit. See our occupancy permit article.
• Type of title deed. Condominium ownership or construction-easement status can matter for a loan.
• Appraised value. It may come in below the asking price; you must pay the difference in cash.
• Insurance. Life and home insurance may be required with the loan.
• Early repayment. Check the early repayment terms in the loan contract.

This is a general framework; interest rates, terms and ratios vary by bank and period. Get current terms from your bank in writing.

Hidden costs

• Title deed fee and DASK.
• Valuation fee.
• Loan allocation fee and insurance.
• Moving, furniture and kitchen.
• Maintenance fees and shared expenses.
• Property tax and environmental cleaning tax.

For all of these, see our annual cost article.

1+1 or 2+1?

• 1+1: low entry price, rental-yield goal. See our 1+1 rental investment article.
• 2+1: a family, working from home and more liquid on resale. See our 2+1 article.

Who should you work with?

Work with an advisor who holds an authorisation certificate; we explained how to check one in our authorisation certificate article. Show the contract to a lawyer.

Write to us with your budget and area preference, and we will shortlist two or three suitable homes. Our Döşemealtı page helps with choosing an area.

Sources: tkgm.gov.tr · dask.gov.tr · bddk.org.tr