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Title deed transfer in a home sale: documents, fees and steps

The steps of the title deed transfer for seller and buyer, the documents required, the fee and the mandatory insurance; what must be ready on transfer day.

· Mert Fatih Taşbaşı

Preparation before the transfer

The seller prepares the title deed, identity document and DASK earthquake insurance policy; the buyer prepares an identity document and the payment plan. A letter confirming that no property tax is owed is obtained from the municipality; any debt is settled before the transfer.

Appointment

The title deed appointment is booked through the land registry's electronic system. The sale price and the parties' details are entered into the system before the appointment date.

Fees and charges

The title deed fee is calculated on the sale price; the law sets it separately for buyer and seller, and in practice the contract states who pays. The land registry's service fee (döner sermaye ücreti) is paid separately. Declaring the actual sale price, and paying the fee on it, protects both parties from penalties later.

If a mortgage is used

The bank's valuation report is obtained beforehand; the mortgage is registered at the land registry on transfer day. The loan amount is transferred directly from the bank to the seller; how the remaining balance is paid must be stated in the contract.

Transfer day

The parties or their representatives attend the land registry office. The registrar reads out the transaction, the parties sign, and payment is made at the same time as the transfer. If someone acts under a power of attorney, it must be drawn up by a notary, or apostilled if issued abroad, and expressly include the authority to sell.

After the transfer

The new owner transfers the electricity, water and gas accounts into their name and notifies the building or estate management. The property tax declaration is filed with the municipality by the end of the year in which the transfer takes place.

We schedule the title deed process for our clients, collect the documents in advance and attend the land registry on transfer day. Contracts are reviewed by our office's lawyers.

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Frequently asked questions

How much is the title deed fee?

Under tariff no. 4 of Turkish Fees Law no. 492, the fee on a property sale is 2 per cent from the buyer and 2 per cent from the seller, 4 per cent in total.

Who pays the title deed fee?

The law sets the fee separately for buyer and seller; in practice, who pays is written into the contract between the parties.

Which value is the fee calculated on?

The taxable base is the transfer price declared by the parties, which may not be lower than the property tax value. Declaring the actual price protects both parties from penalties later.

How much is the land registry service fee?

This fee is updated every year. Confirm the current amount with the land registry office or the General Directorate of Land Registry and Cadastre before the transaction.

Is earthquake insurance compulsory for the transfer?

Yes. A valid compulsory earthquake insurance policy is required at the transfer.

Can the transfer be done under a power of attorney?

Yes. The power of attorney must be drawn up by a notary and expressly include the authority to sell; one issued abroad needs an apostille.