Real Estate Financing through an Official Bank in Turkey: A Smart Investment Opportunity for the Turkish Investor

In a context marked by economic changes as well as rising construction costs and property prices in Turkey, it has become essential to adopt a smarter approach when making a purchase decision.

This is why Omran TRK offers a real estate financing model through an official bank within the Republic of Turkey, allowing investors to lock in the property price today while spreading the payment over an organized schedule of up to five years.

This model is not just an installment plan but a genuine investment tool that helps manage liquidity, reduce risks, and maximize returns.

Why is real estate financing considered an investment tool and not just a payment facility?

A smart investor does not only aim to buy a property but also seeks to:

• preserve financial liquidity
• spread risks
• benefit from future price increases
• obtain potential rental income
• protect capital against inflation

Paying the full property price in cash fully immobilizes the capital.
In contrast, with this financing system, investors can pay part of the property value while retaining the remaining liquidity to invest in other opportunities.

Details of the Financing Plan through an Official Bank

The system is based on three clear and legally organized stages:

Stage One: Paying 40% of the Property Value to the Bank
The client commits to paying 40% of the property price to the bank.
This percentage can be paid over a flexible period of several months, depending on the investor’s capacity, with regular payment commitments.
No additional guarantees are required at this stage.

Stage Two: Transfer of the Full Property Value
After completing the 40% payment:

• The bank transfers 100% of the property value to Omran TRK.
• The property title (Tapu) is officially transferred to the investor’s name.
• A legal mortgage is registered in favor of the bank to secure its rights.

At this stage, the property becomes the investor’s official ownership.

Stage Three: Paying the Remaining 60%
The investor pays the remaining 60% to the bank.
The repayment period can reach 60 months (5 years).
The installment schedule is determined according to the client’s financial capacity.

A Clear Investment Example
Suppose an investor purchases a residential unit worth: 5,000,000 Turkish Lira

• Stage One: 40% = 2,000,000 TL paid to the bank in installments
  After this payment:
  • The bank transfers the full 5,000,000 TL to Omran TRK
  • The property title (Tapu) is transferred to the investor
  • A legal mortgage is registered
• Stage Two:
  After the first payment,
  • The bank transfers 100% of the property value (5,000,000 TL) to Omran TRK
  • The property title (Tapu) is officially transferred
  • A legal mortgage is registered
• Stage Three: 60% = 3,000,000 TL
  If the repayment is over 60 months:
  Approximate monthly installment = 50,000 TL

Investment Implications:
Instead of locking 5,000,000 TL in a single payment:

• You pay only 2,000,000 TL
• You retain 3,000,000 TL in liquidity
• Meanwhile, the property’s potential value may rise during the repayment period
• You can rent it out to generate income to help cover the installments

This model provides a smart financial leverage within a legal framework.

Legal Guarantees:

• Financing is provided through an official bank regulated under Turkish banking laws
• The property is officially evaluated to determine its market value
• No additional guarantees are required beyond the registered mortgage
• All procedures comply with the laws of the Republic of Turkey

Who is this model for?

1. Turkish investors seeking smart liquidity management
2. Those who want to purchase property without fully immobilizing capital
3. Investors looking to benefit from future price increases
4. Individuals with income in Turkish Lira
5. Investors wishing to diversify their real estate portfolio

Why Choose Omran TRK?
Because a real estate decision is not based solely on price… It depends on trust, experience, and a proven track record.

At Omran TRK, we are not a traditional seller: we are a company with real practical experience in the Turkish real estate market, a deep understanding of price dynamics, supply and demand, and economic changes affecting investor decisions.

Over the years, we have served a wide range of Turkish investors who have truly benefited from this financing model, managing to lock in the price of their units before market increases, while spreading payments comfortably and strategically.

We have a large investor client base who used this offer, some of whom reinvested a second or even a third time, reflecting the trust and stability we provide.