Taxes and Costs
The Total Cost of Buying a Home: Fees, Commission, DASK, and Mortgage Costs
We've gathered every cost that gets added on top of the home price into one table: title deed fee, revolving fund fee, agent's commission, appraisal, loan origination fee, DASK, and moving costs.
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Focusing only on the sale price when budgeting for a home can leave you short on cash on title deed day. The table below summarizes the main additional costs a buyer may run into.
| Cost | Whose responsibility? | Approximate level |
|---|---|---|
| Title deed fee | Buyer (separate from the seller's share) | 2% of the sale price (the seller's share is a separate 2%) |
| Revolving fund fee | Usually the buyer | A per-transaction amount set annually |
| Agent's service fee | Buyer | Up to 2% of the sale price plus VAT |
| Appraisal fee | Buyer using a mortgage | A few thousand TL |
| Loan origination fee | Buyer using a mortgage | Depends on the loan amount; has a statutory cap |
| DASK and home insurance | Owner | Depends on the home's size, construction type, and area |
| Monthly dues (aidat) and management adjustments | New owner | Depends on the building |
| Moving and minor renovations | Buyer | Depends on the home's condition |
Example calculation
For a 5,000,000 TL home, the buyer's share of the title deed fee is 100,000 TL, and the agent's fee at the cap is 100,000 TL plus VAT. If you're using a mortgage, once you add the appraisal and origination fees, insurance, and moving costs, the total extra cost can easily reach 5 to 8% of the home's price.
Taxes on mortgages
Mortgages are exempt from the Resource Utilization Support Fund (KKDF) and the Banking and Insurance Transactions Tax (BSMV). This lowers their cost compared with general-purpose loans, but the interest rate and term remain the deciding factors in the total repayment.
This content is for general information only and is not a substitute for legal, financial or tax advice. Rates, amounts and legislation can change over time. Confirm current information with the relevant authority or a professional before proceeding with a transaction.