When buying property, you must budget not only the sale price but also official costs. Chief among these is the title deed fee. How is it calculated, what are the 2026 rates, and how much do buyer and seller pay? This guide explains it step by step.
What Is the Title Deed Fee?
The title deed fee is a statutory charge collected by the state when ownership of a property is transferred from one person to another. It is paid when the transfer is completed at the land registry and is a mandatory item in the buying process. The fee is based on the declared sale price.
2026 Title Deed Fee Rate
The title deed fee is 4% of the sale price in total, shared equally between buyer and seller: the buyer pays 2% and the seller pays 2%. Even if the parties agree otherwise, both remain legally liable for the full fee. Fixed charges such as a revolving fund fee and a service fee apply on top.
Calculation Example
Suppose a home's declared sale price is 3,000,000 TL. The total fee at 4% is 120,000 TL: 60,000 TL from the buyer and 60,000 TL from the seller, plus the revolving fund and service charges. Important: understating the sale price to lower the fee is illegal and can lead to serious penalties.
Extra Fee on Mortgaged Purchases
If you buy using a housing loan, a mortgage is registered in favour of the bank, creating a separate mortgage fee of 0.455% of the loan amount. Add this item to your budget alongside the title deed fee.
Other Costs
Beyond the fee, transfers involve a revolving fund charge, a service fee and, where applicable, an agency service fee. A mandatory earthquake insurance (DASK) policy is also required to complete the transfer. Calculating all items in advance prevents surprise costs.
For accurate guidance on title deeds, fees and real estate, Armet Emlak & Harita is here: (0242) 417 72 72 · armetinsaatemlakharita.com