---
title: "Module 3: Taxes, Fees & Holding Costs | Investing in Turkish Real Estate"
description: "Every cost you will encounter — at purchase, while holding, and on exit."
lang: ur
json-ld:
---

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Module 3 of 6 Investing in Turkish Real Estate  3 min read 

# Module 3: Taxes, Fees & Holding Costs

Every cost you will encounter — at purchase, while holding, and on exit.

Course progress 0/6 modules 

Foreign buyers consistently underestimate transaction and holding costs. Plan for roughly **6–8% on top of the purchase price** as one-off costs.

### One-off costs at purchase

-   **Title deed fee:** 4% of declared value (often split 2%+2% between buyer and seller, but in practice usually paid in full by the buyer)
-   **VAT:** 1%, 8% or 18% depending on size & type. Many new-build foreign buyers qualify for **full VAT exemption** (see Module 5)
-   **Notary, translator, valuation, DASK:** ~€500–€1,200 total
-   **Lawyer:** typically €1,000–€2,500

### Annual holding costs

-   **Property tax:** 0.1%–0.6% of registered value (residential property in cities is 0.2%)
-   **Aidat (HOA / site fee):** €30–€150/month depending on amenities
-   **Utilities subscription fees** at first connection: ~€300

### On exit

Capital gains tax applies only if you sell within **5 years** of purchase, on the gain above an annually indexed allowance. After 5 years, capital gains are **0%**. This is one of the most generous regimes in the Mediterranean.

### Key takeaways

-   Budget 6–8% on top of the purchase price for transaction costs 
-   New-build foreign buyers often qualify for full VAT exemption 
-   Annual property tax is typically 0.2% of registered value 
-   Capital gains tax drops to 0% after 5 years of ownership 
-   Aidat (HOA) is the single biggest recurring cost 

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Module 2: Legal Framework & Foreign Ownership

](/ur/courses/turkey/legal-ownership)[

Next

Module 4: Financing & Currency Strategy

](/ur/courses/turkey/financing-and-currency)

Modules

1.  [01 The Turkish Property Market ](/ur/courses/turkey/market-overview)
2.  [02 Legal Framework & Foreign Ownership ](/ur/courses/turkey/legal-ownership)
3.  [03 Taxes, Fees & Holding Costs ](/ur/courses/turkey/taxes-and-costs)
4.  [04 Financing & Currency Strategy ](/ur/courses/turkey/financing-and-currency)
5.  [05 The Buying Process Step-by-Step ](/ur/courses/turkey/buying-process)
6.  [06 Rental Yield, Exit & Common Mistakes ](/ur/courses/turkey/rental-yield-exit)