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<\/p>\nPeople who will buy a house for the first time can become a home owner by benefiting from government support. In order to benefit from government support, a housing account must first be opened. When a regular payment is made to this account for a period of 3 years, the state gives financial support to buy a house according to the amount of savings in the account.<\/p>\n
However, for this, the person who will open a housing account must not have a residence fully registered in his name as of 07\/04\/2015. In addition, only citizens of the Republic of Turkey can open a housing account, and an account can be opened in the name of a parent or guardian of persons under the age of 18.<\/p>\n
Citizens with the above-mentioned features can open a housing account in banks in the form of a time deposit account or a deposit account. Of course, this account cannot be combined with another account and cannot be transferred to another bank. In addition, only one bank and one residential account can be opened.<\/p>\n
In order to open a housing account, a housing account contract is signed between the bank and the applicant. The person who wants to open a housing account declares that he agrees to share the information about the account with the Ministry of Family and Social Policies. It also allows information to be shared through the Identity Sharing System.<\/p>\n
<\/p>\n
Housing account can be opened in TL with a minimum maturity of 3 years. Money can be deposited in 1-month or 3-month terms. The payment schedule can be changed at the beginning of each period at the request of the account holder. The minimum and maximum amounts that can be deposited into the account are determined according to the years.<\/p>\n
Housing account holders can deposit money into the account more than once within the maturity date, provided that the maximum amount is not exceeded. In addition, more than the maximum amount can be deposited at the account opening, for a one-time only. As of 2021, the maximum amount that can be deposited into the housing account for once is 62,298.36 TL.<\/p>\n
According to the 7th article of the Regulation on Housing Account and State Contribution number 6579, the residences that can receive state contribution are as follows:<\/p>\n
Residences with condominium
\nDetached immovables with a residential building occupancy permit
\nHouses with construction servitude deed and occupancy permit
\nIn order to have information about the title deed types, \u201cFor Which Deed Types Home Loans Can Be Used?\u201d You can read our article.<\/p>\n
There is no state contribution in the acquisition of timeshare.<\/p>\n
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<\/p>\n
In order to receive government support, regular payments must be made for a minimum of 3 years until the date of purchase of the real estate. State contribution amount cannot exceed 20% of the savings on the purchase date of the house. The maximum value of the state aid to be provided is announced according to the years. State contribution rates for 2021 are as follows:<\/p>\n
The state contribution for a 36 – 47 month maturity is 15% of the savings amount. The amount payable cannot exceed 26,995.96 TL.
\nThe state contribution for a 48 – 59 month maturity is 18% of the savings amount. The amount payable cannot exceed 29,072.57 TL.
\nThe state contribution for a maturity of 60 months or more is 20% of the savings amount. The amount payable cannot exceed 31,149,18 TL.
\nState subsidy can be obtained after the purchase of the real estate. In order to receive the state subsidy within 6 months after purchasing the house, it is necessary to apply to the bank where the housing account was opened.<\/p>\n
A maximum of two withdrawals can be made from the housing account within a period. If money is withdrawn, the amount remaining in the account must not be less than the minimum amount that must be deposited from the date of account opening.<\/p>\n","protected":false},"excerpt":{"rendered":"
What is a Housing Account, How to Open it? People who will buy a house for the first time can become a home owner by benefiting from government support. In order to benefit from government support, a housing account must first be opened. When a regular payment is made to this account for a period […]<\/p>\n","protected":false},"author":1,"featured_media":89541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[537],"tags":[],"class_list":["post-90931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-turkey-property-buying-guide"],"_links":{"self":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/posts\/90931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/comments?post=90931"}],"version-history":[{"count":0,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/posts\/90931\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/media\/89541"}],"wp:attachment":[{"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/media?parent=90931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/categories?post=90931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emlakey.com\/en\/wp-json\/wp\/v2\/tags?post=90931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}