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What is earthquake insurance

It is an insurance policy against pests and natural disasters and was imposed by the government after the Marmara earthquakes in 1999 and became mandatory

It is extracted from the DASK Foundation, which is an abbreviation for ( natural pest Insurance Foundation ) and is supervised by the Turkish Ministry of Treasury and finance .

The insurance covers earthquake and post-earthquake from catastrophic consequences and other fires, floods and sea tides and this institution provides compensation to those affected by these disasters in the form of monetary assistance

Why earthquake insurance

    Protection of all houses and structures from earthquakes
    Reinsurance and damage mitigation after earthquakes
    Contribute to building a country with healthy buildings

The insurance policy includes the main sections of the House, including foundations, main and dividing walls and retaining walls, in addition to ceilings and floors, as well as drawers and elevators, in the event of an earthquake, the term of this insurance is one year to be renewed, extracted by the property owner and not the responsibility of the tenant
It is paid for the first time at the beginning of the construction of the property to obtain specific services that can only be obtained remotely after paying earthquake insurance in Turkey , including: gas-electricity-water

What does real estate insurance cover against earthquakes in Turkey

This insurance covers the expenses incurred if each of the following is damaged due to an earthquake or natural disaster:

    Foundations of real estate construction
    The walls of the property or the garden of the property for villas and detached houses
    Bishop
    Flooring
    Corridors inside buildings
    Electric drawers and elevators

The value of earthquake insurance in Turkey

Its value varies depending on the region and type of construction – building structure-age of construction-area of the property

Required documents for issuing earthquake insurance in Turkey

A foreign resident in Turkey in order to get earthquake insurance for his property needs both of the following papers:

    A copy of the residence
    Tax number
    Payment of earthquake insurance fees has arrived
    A copy of the real estate title deed in which sufficient information about the property is indicated
    Detailed address of the property

What is real estate valuation in Turkey

The concept of real estate valuation in Turkey is ( a set of works that are conducted with the aim of determining the real value of the property according to specific criteria, carefully developed laws and controlled Rules, real estate valuation in Turkey is an essential way to reveal the real value of the property), real estate valuation in Turkey is considered as a gift to the investor that will provide him with the opportunity to own a property at its real value without exaggeration or decrease.

The importance of real estate valuation in Turkey for foreigners

The importance of real estate valuation in Turkey for foreigners lies in protecting the right of a foreign investor to own a real estate of real value, and because a foreign citizen does not have full knowledge of the real estate market in Turkey, it was necessary to develop disciplined laws in order to secure the rights of a foreign investor and ensure that he is not exposed to any cases of real estate fraud, which is why the real estate valuation law was developed in Turkey, which guarantees the investor that he owns the real property value without exaggeration or decrease (this is through real estate valuation companies or real estate valuation companies that would issue a real estate valuation report stating the price of the property in the market according to the specified criteria).

What is a real estate appraisal company in Turkey

Real estate appraisal company (or accredited real estate appraisal companies) are companies licensed by the Turkish government, and according to the real estate appraisal law in Turkey, accredited real estate appraisal companies are responsible for completing real estate appraisal procedures, and for the person assigned to this procedure is called (real estate appraiser), an expert person who holds a business license from ((Turkish capital Council Foundation)), and over time acquires real estate appraisal experience

The role of real estate valuation companies in Turkey

As for the role of real estate appraisal companies in Turkey, it is a major and indispensable role, and the following is the most important information about real estate appraisal companies in Turkey:

    Real estate appraisal companies in Turkey have sufficient and complete experience to carry out the work of determining and adjusting the prices of all types of real estate (houses, land, shops, workplaces, facilities, etc.).
    The real estate appraisal company in Turkey is an independent entity that does not have any activity affecting real estate prices in Turkey.
    The real estate appraisal company in Turkey does not interfere in the sale and purchase transactions in the field of real estate investment in Turkey.
    Real estate valuation companies in Turkey are independent experts whose work relates to legal issues related to Real Estate.

Real estate valuation law in Turkey for foreigners

The real estate valuation law in Turkey was enacted for foreigners to preserve the rights of a foreign investor from people who have intentions to manipulate the prices of houses and real estate and who tell the foreign investor prices are not real, and in 2019 the real estate valuation law in Turkey has become binding for foreigners wishing to buy or sell real estate, where they are required to report real estate valuation and it is extracted from the real estate appraisal company in a period not exceeding a week, usually its validity period is three months, the report includes the price of the property in Turkish lira and the information in the title deed such as address, location, floor and view, i.e. the report includes a detailed explanation about all aspects and characteristics of the property Of course, the concept of real estate valuation in Turkey itself is an encouraging factor for pumping foreign investments.

Basics of real estate valuation report

Real estate valuation companies in Turkey rely when extracting the necessary report in order to evaluate real estate on several grounds, namely:

    Space, which is one of the most important bases that real estate appraisal companies look at while evaluating a property.
    The real age of the property, which determines an important aspect of the price of the property, the older the property, the lower its price.
    Geographical location, and here, while conducting a real estate valuation report, the address of the property is considered specifically and how close it is to strategic points such as metro stations or mega projects.
    The condition of the property, and here the materials used in the construction, their quality, home decorations, interior finishes and the placement of building cladding from the outside are checked.
    The construction stage, this concerns real estate that is under construction, where the delivery date of the property must be determined.
    Transportation, since it is necessary to have one of the means of Transportation near the property, this plays a prominent role in the real estate valuation report.
    Infrastructure, which is the availability of basic home extensions, such as water, gas, electricity and internet.
    The valuation of the property is affected by the location of the property within the construction (on which floor the property is located).

The cost of the real estate valuation report

The cost of the real estate evaluation report varies depending on the type of property and its area, but the cost is between 3000_4000 Turkish Liras approximately.

Types of properties evaluated by real estate valuation companies

The types that real estate appraisal companies evaluate are usually listed into five types of real estate as follows:

    Residential real estate, which are houses, villas, houses and all properties that are used for the purpose of housing.
    Agricultural real estate, which is all real estate that is used for agricultural purposes such as land and fields.
    Commercial real estate, which are all types of real estate that are used in commercial activities such as commercial buildings, offices, shops, shops and shopping center buildings.
    Industrial real estate, which includes all types of real estate through which industrial production is achieved and used for industrial purposes such as factories and workshops( evaluating real estate in Turkey for this type requires strong experience).
    Special status Real Estate, which includes properties intended for use in private areas such as houses of worship, schools, hospitals and playgrounds (real estate valuation of these properties is difficult due to the lack of trading in sales and purchases)

What is the title deed in Turkey

The title deed or what is known as the title deed is the document that proves the ownership of the property to the person who owns it legally, and it carries the owner's name, photo and information, the type of property and its location, in addition to the area of the property and detailed information. This document allows the owner the right to dispose of the property from rental, sale or investment, and the owner cannot prove his ownership of the property without this document, which is granted by the real estate registry Directorate of the Ministry of Environment and cities of Turkey.

What is the purpose and benefit of title deed transactions

When you own a property on Turkish territory of any kind, the "title deed" proof of ownership sheet serves as the official identity of this property, as soon as this document is granted by the real estate registry Directorate to the person proving his ownership of this property officially.

This document is also required in some official and government departments, in the procedure of transactions related to real estate, from sale and purchase operations and others.

Several people can own and participate in one property, there is no specific number of people who own.

It is useful to mention in this context that if you have a percentage of a property, or partners in the property that you own, the percentage of each person from the property can be mentioned in the title deed, and the owners are partners in the entire property, that is, there is no specific part or assigned to a person from the property.

The title deed paper is given to only one person and copies are not given to several people, and it contains detailed information about each person's share of owners, and here a foreign person can get a "real estate residence" when buying a property in Turkey, he can also grant it to his wife and children.

The foreign ownership law also allowed the property owner the right to apply for Turkish citizenship, if the price of his property or the total of his properties reaches 400 thousand US dollars according to specific conditions and laws.

It should be noted in an important issue, which is the issue of inheritance, as under Turkish laws that allow high limits of freedom of ownership of real estate, and it also guarantees the right to inherit the property naturally, contrary to rumors.

Types of Tapu in Turkey

When you want to buy a property in Turkey, you must know several important and basic points about the subject of title deeds and their types in Turkey, the features of each of them and its characteristics.

The red Tabu

It is called the Red title deed for the title deed paper with red color, and this title deed is allocated for residential real estate, apartments, villas, buildings, shops and commercial real estate.

This bond includes three forms of types of ownership, namely:

    Co-ownership deed

This type of bond is based on a system of sharing between several owners of one property. It is also known as: transitional ownership: it is the right of ownership in the property for a specific period of the year, so that each individual of these owners has a specific period of the year in which he owns the property for an indefinite period, the minimum is seven days.

It is common in holiday real estate and the like, and the owner has all the property rights from the sale, rental and assignment of his right to other people.

    Easement deed

These are the title deed bonds that register each of the sections of the property separately, so that a suitable project is planned for construction on a dedicated plot of land, then the construction approval is taken, after which the project is divided into independent sections, such as apartments within the architecture.

Each of the sections of the property is organized by a special bond indicating the location of the independent section and its information, without considering whether the construction of the project has been started or not, and the gender of the property is mentioned in such bonds as construction or agricultural land due to the non-completion of the construction of the project, and after the completion of construction and the issuance of housing approval, title deeds are allocated to the property.

This type of document proves the full ownership of the property to the owning person, and each owner of this property receives an easement, which contains information about the place of construction, its area and specifications, after which the owner is granted his own title deed

    Full title deed

They are called (Kat Mülkiyeti) in Turkish, and they are deeds that register ownership of real estate after its construction is completely completed, and independent sections are appointed in them, with approval to use each section independently, and each section is organized with its own full title deed, proving the ownership of the owner of the bond on the independent section in the said construction.

Title deeds and easement bonds differ from agricultural land and land bonds suitable for reconstruction in terms of the information contained in them, as these bonds contain the number of the apartment or independent Section, its location in the construction and its share of the land on which the construction is based.

Blue or agricultural title deed

Turkey's geographical location plays an important role in influencing its temperate climate and picturesque nature, which makes its lands with its fertile soils suitable for agriculture and entering into agricultural investment and making profits in this successful sector, therefore if you are thinking about agricultural investment in Turkey, you must know the types of agricultural land documents and deeds, namely:

Land bonds suitable for reconstruction

This type of bond is allocated to agricultural land that holds the status of construction and agriculture at the same time, where this title deed is granted for land allocated for construction or investment within the organizational plans of the city, called in the Turkish language "Arsa", where the landowner can build a property in it by a special permit from the municipality to which this land belongs.

Agricultural land title deed

They are very large areas, also known as field lands, and they are called "Tarla" in Turkish, and it is possible to build on these lands by no more than 5% to 20% of the land area, and enable the owner to invest and benefit from them by raising livestock, establishing poultry and others.

When the land takes the status of field land, this means that it is allowed to establish other types of agricultural projects in Turkey on it, such as agriculture, tillage, livestock and poultry breeding and other agricultural activities.

When wishing to invest agricultural land, the investor must check with the municipality to verify whether the land is really agricultural or not, the land may be registered in the title deed or deed as agricultural land, but it is placed within the real estate plan for construction in the area, so you should be careful and make sure of this point from the municipality of the same area to which the land to be invested belongs.

What is the difference between the red and blue Tabu

There are several differences that you need to know between the so-called Red title deed and the blue title deed, as the blue title deed is intended for field lands suitable for agriculture or agricultural investment, or for owners of lands that are intended for construction and the establishment of projects and residential units, within a space allowed for construction .

As for the Red title deed, it is granted to the owners of detached real estate, whether residential houses and apartments, or shops and the like.

How is the Tapu extracted

The need for a competent authority to help

When owning and investing in real estate in Turkey, you may find yourself needing the help of competent authorities to help you manage your transactions to avoid getting into illegal problems, the property you want to invest may be subject to seizure, mortgage or confiscation restrictions, and this information is not mentioned in the title deed.

This deed must be registered in the land registry, and every title deed that is not registered in the land registry, even if it is certified and signed, is invalid, and has no value.

Caution should also be taken when concluding sales and purchases at a notary, and make sure the authenticity of the bond in the real estate departments before completing the purchase.

In this context, Buruj real estate company provides all real estate registration services in accordance with legal due to its extensive experience in its field, with full knowledge of the requirements of government departments and all the necessary legal papers, and its team includes the elite of real estate specialists in the knowledge of the laws related to real estate in Turkey.

The title deed Department in Turkey

The title deed is extracted by the real estate registry Directorate of the Turkish Ministry of Environment and cities, known in some countries of the world as the real estate month, as the deed is recorded and kept in the records of those directorates.

Steps to obtain the title deed

It is necessary for you to do simple steps to obtain the title deed of real estate:

    The buyer of the property must come to Turkey to conclude the purchase contract transaction, or to appoint a person of trust on his behalf, through an official agency from the Consulate of the home country or the Turkish embassy located there.
    Extract a tax number from the tax department, given based on the buyer's passport number, with copies of a copy of his passport translated and certified by a Turkish notary.
    After completing these steps, the seller of the property goes to the land registry department with the seller to assign the property to the buyer.
    Then the new buyer hands over his title deed.

Documents required for the extraction of the title deed

    Completion of all papers and documents required for the title deed transaction.
    A copy of the buyer's personal identification or official agency paper if the buyer has power of attorney on his behalf.
    A personal photo of the seller and two personal photos of the buyer.
    Documents from the bank in case of taking a bank loan.
    The land registry document belonging to the property.
    An insurance policy against earthquakes and disasters.
    A valid allowance document from the municipality to which the property belongs.
    Real Estate Appraisal Document (for foreigners).

Title deed fees in Turkey

The Turkish government imposes certain expenses on the title deed, which is required for those who want to buy a property on Turkish soil, and ownership of the property in the title deed records cannot be transferred from the seller to the buyer without paying these expenses.

Title deed expenses are calculated on the basis of 4% of the price of the property to be sold, distributed among the followers, and these fees are paid in full before the transfer of ownership of the property.

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Getting a tourist residence in Turkey today is important and there are a lot of details in it, so at Bruges real estate we have collected all the information related to tourist residence in one place, guiding you to all the details about tourist stays, their conditions, required papers, application steps, average costs, notes on the refusal and cancellation of residence, up to answering the most famous inquiries about this topic.

What is a tourist residence in Turkey

A tourist residence is a legal document in the form of an identity card with a national number TC through which you can stay in Turkey for the duration of the validity of the residence, and enjoy all the benefits of the residence, with the possibility of renewal later if you want.

Conditions of tourist stays in Turkey

In order to make sure that you can get a tourist residence in Turkey, the following conditions must be met:

1-your entry to Turkey must be through the official crossings of the Republic of Turkey and with an entry stamp on your passport "for extraction for the first time" or you have an official residence document in Turkey that has not expired if you want to renew your residence or change the type of residence (for example, from a student residence to a tourist residence)

2 - to apply for a tourist residence by booking a stay appointment electronically before the expiration of your visa or the legal grace period if you hold the citizenship of a country that does not require a visa to visit Turkey

3-the validity period of your passport should not be more than at least two months

4-obtaining health insurance in Turkey that covers the required period of stay.

5-be present inside Turkey during the application for obtaining or renewing a residence permit.

6-having a fixed residential address for you in Turkey

7-the Immigration Department may require additional conditions for some foreign nationalities, such as the presence of a certain financial income, or the presence of a tourist plan and other applications, which are notified to you by the competent employee during the submission of your papers at the interview for applying for residence.

8 - you have not entered Turkey through a "business visa"

9-attend the interview appointment at the Immigration Department specified for you and at the specified time.

A note about the conditions of tourist stay in Turkey

If you want to obtain a residence permit for a period of one or two years, the validity of the passport must exceed the mentioned period by at least two months ( the period of residence to be obtained)

If the validity period of your passport is less than that, you will be granted a residence permit for a shorter period than the one you requested and in proportion to the validity of the passport or travel document you carry.

The necessary papers to extract your tourist stay in Turkey

You must carry with you a package of documents required during the residence interview, and hand them over to the competent employee:

Basic documents

It is required for applicants of any foreign nationality and in all circumstances, that is, it can be considered as documents required by any applicant for tourist residence in Turkey, namely:

1-residence application form (signed by the applicant or his legal representative)

2-the original copy of the passport (or travel document)

3-a copy of the passport (or travel document): the pages containing the applicant's data + the passport or document number + the date of issue and expiration of the passport or document + the entry stamp and Visa (Visa)

4-tax number, you can get it for free from any tax department

5-a colorful personal photo on a white background Number 4 is not older than 6 months

6-valid health insurance covering the entire period of stay (click here to get the cost of the insurance contract, children under the age of 18 and the elderly over the age of 65 do not need health insurance)

7-a copy of the Application Fee Payment Receipt

If the applicant is under the age of 18:

1-a copy of the family book or the output of the family record must be provided, translated by a sworn translator and certified by the notary

2-it is noted in the application form that the applicant is a minor, and the parents or legal guardian signs the application on behalf of the minor

Proof of residence:

In case of applying for a residence permit for the first time, you must bring a rental contract with the address provided by you in the residence application, provided that the contract is certified by the notary, and the presence of the homeowner during the notarization and his signature on it

But if you are renewing your tourist stay in Turkey, it is enough to bring a soul confirmation document that can be extracted from the e-government application (e-state (E-DEVLET

Additional documents that the migration directorate may request from you:

1-a bank statement proving that the applicant owns at least 6 thousand US dollars (or equivalent) for one year of residence

2-sworn translation of the passport (or travel document) with the certification of the translated copy by the notary

3-a residence permit issued by the Department of Souls affiliated with the place of residence.

4-the name detail sheet for the nationalities (Egyptian - Jordanian - Palestinian) is extracted from the Consulate of the applicant's country

If there is a shortage of required documents, what happens

The employee who receives your papers will inform you in case of any shortage and ask you to secure these documents within a month, and upon completing the provision of these documents, you can at any time during the period given to you to review the Migration Service and submit the application.

Steps for applying for tourist accommodation

The applicant for a tourist residence in Turkey must follow the following steps:

Obtaining a tourist residence in Turkey for the first time

1-extracting all the required documents and processing them before proceeding to the next step

2-Fill in the application form via the Immigration Department's website in the "first time"section

3 the site will book an interview appointment on the earliest date, and the interview place, date and hour will appear on the page (keep this information as it is very important)

4-printing the request (the site will save the request as an electronic PDF file) you can print this file

5-ensure that the documents are complete and that the form is completed by the applicant

6-collect all the documents within one workbook to submit them together at the interview (in case the applicants are a family, a separate workbook should be prepared for each application)

7-after accepting the documents from the responsible employee, you will be required to pay the fees at the Treasury office (within the same building), upon payment of the amount you will receive a receipt from the Treasury employee, return this receipt to the first employee and he will give you a document proving the application and make your status legal until the issuance of the residence card

Note: at the interview you can order an interpreter for free.

Renewal of tourist residence in Turkey

You follow the previous steps mentioned regarding the extraction for the first time, and then the employee will receive your old stay and the appointment must be booked two months or less before the expiration of your stay

Advantages and benefits of obtaining a tourist residence in Turkey

The tendency of foreigners to obtain a tourist residence in Turkey is due to the availability of many advantages that a foreign resident enjoys with a tourist residence in this country, which you can learn about in the following paragraphs:

The cost of tourist accommodation

The costs of obtaining a tourist residence in Turkey range from 125 to 262 US dollars for one year, and from 265 to 517 US dollars for a two-year stay

The costs of extracting and renewing tourist accommodation are considered lower than others, and they are as follows:

The cost of health insurance, which relates to the age of the applicant, and the duration of insurance and ranges from 1,400 to 2,250 TL (93 to 150 dollars) for one year, but for two years it ranges from 3,500 to 6,075 TL (233 to 405 dollars) for a two-year stay

The residence fees in Turkey, which range from 12 dollars to 92 dollars, including the costs of card extraction and visa allowance

Other costs such as translation, notarization, appointment booking and others may reach up to 20 USD

The benefits of tourist accommodation in Turkey

The benefits of such accommodation are eliminated by the following points:

1-staying legally on Turkish territory for the entire period of stay

2-freedom to exit Turkey through official crossings and re-enter for the duration of the validity of the residence without the need to obtain a new visa

3-Freedom of movement between the states of Turkey and through its internal airports

4 - ease of Housing and stability after the extraction of residence

5-facilitating your legal and financial transactions in front of official Turkish institutions

6-obtaining the right to education in Turkish public and private schools

7-get a good opportunity for tourism in Turkey

8-a good opportunity to search for a suitable job in Turkey or invest in it

Very important notes to focus on to ensure that your stay is accepted

1-Be sure to submit applications before the expiration of the entry visa that you have with you

2-the passport (or travel document) must be valid for more than 6 months

3-The Interview date issued by the Immigration Department is a personal appointment for the applicant and the interview date is very important

4-the minor applicant is accompanied by parents or legal guardian

5 - payment of fees is exclusively in cash and in local currency (bank transfers and credit cards are not accepted), so make sure you bring enough cash (cash) to pay the application fees for each family member

6-make sure that the proof of application document is stamped by the Immigration Department before you leave

7-if the passport (or travel document) is valid for less than a year, the validity of the residence permit is the validity of the passport minus 60 days

8-if the documents are not complete, the employee will notify you immediately, or if the Immigration Department requests additional documents after receiving the application, the applicant will be notified via SMS text message, in both cases the applicant is given a period of 30 days to submit additional documents

Reasons for refusal of tourist stays

The issue of accepting or rejecting an application for tourist residence in Turkey is a private matter for the head of immigration in Turkey, which decides it, but some reasons can be noted and summarized as follows:

1-the address should be in an area where the residence of foreigners is prohibited, and here it is necessary to inquire about your area is it prohibited or not

2-there is a shortage of application papers for residence and the resident's inability to provide them during the period granted by the employee to him

3 - the applicant must have something in his file that makes him ineligible for residence, such as providing false or fake information

4-applying with an expired passport or its validity is less than 6 months

5-delay in submitting an application for obtaining or renewing residency

6 - the migration presidency may reject some files for security reasons after studying the applicant's file

Questions about tourist accommodation for foreigners in Turkey

Q: How long is the residency evaluation period

A maximum of 90 days, and if this period is exceeded, the resident will be informed about it

The calculation of the period starts from the day of delivery of the papers and not the day of booking the appointment

Q: is it possible to leave Turkey during the evaluation period of the residence file

This is possible, but only for 15 days, and after obtaining approval from the migration directorate, after submitting an application for this, accompanied by a receipt for payment of the residence fee.

Q: Do you accept documents extracted from the e-government application E-Devlet in the residence file

Yes, acceptable

Q: if the paperwork is incomplete, how long is it given to complete it

A period of one month is given and the paperwork must be completed within the days of this month, as you can attend any day within the period, in case of not completing the paperwork or requesting a renewal of the deadline, the migration presidency will remove your application for tourist residence in Turkey

Q: if the Migration Board requests financial income documents to obtain residency, what are the appropriate documents

1-an income document from the entity where you work

2. international credit card

3-a pension card with a document showing the pension

4-bank account book

5-bank account transaction document

6-a certified budget with an income statement provided by a sworn financial consultant

7-income statement from outside Turkey, translated and certified by Nutr in Turkey

Q: when should I pay the tourist accommodation fee

Before the interview date at the Immigration Directorate, it is important that the receipt of payment of the fee is present in your documents for the application for obtaining residence or the application for its renewal or exchange

Q: from what date does the calculation of the length of stay begin

From the date of booking the date of tourist stay in Turkey

Q:What should I do if my tourist residence application in Turkey is rejected

After submitting your objection, if the residence is refused, you must leave Turkey and you can return after 6 months to submit a new application for another residence

In case you want to stay in Turkey without interruption, you can exit and return within days via a new visa.

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