The TOKİ 25% discount campaign started on September 22, 2026. The Housing Development Administration of Turkey (TOKİ) is offering a 25% discount to homebuyers and commercial space buyers who are still making repayments if they settle their debts early.
Within the campaign scope, rights holders who pay their full debt in cash can close their debts by benefiting from the 25% discount. Those without the ability to pay the full debt can also take advantage of the discount by making partial payments in accordance with the determined conditions.
Applications will be submitted between September 22 – October 19, 2026.
What is the TOKİ 25% Discount Campaign?
The 2026 discount campaign organized by TOKİ is an application designed to enable homebuyers and commercial space buyers who are still making repayments to close their current debt balances advantageously.
Within the campaign scope, a 25% discount will be applied to buyers who pay the full debt balance in cash.
For example, a rights holder with a debt balance of 1,000,000 TL calculated within the campaign scope who meets the conditions and settles the debt in full can theoretically obtain a 250,000 TL discount thanks to the 25% discount, bringing the payment amount down to 750,000 TL.
The exact debt and discount amount are determined by the relevant bank based on calculations at the time of debt settlement.
When is the TOKİ 25% Discount Campaign?
Application dates for TOKİ's 2026 25% discount campaign are:
Start: September 22, 2026 Final Application: October 19, 2026
Rights holders wishing to benefit from the campaign must apply to the intermediary bank through which they conducted their sales transactions during these dates.
The 25% discount under the campaign will not be applied to debt settlements or partial payments made after October 19, 2026.
Who Can Benefit from the TOKİ 25% Discount Campaign?
To benefit from the campaign, certain conditions announced by TOKİ must be met.
Accordingly;
Repayment installments for the property or commercial space must have begun no later than the end of June 2025, The installment for the month in which debt settlement will be made must be paid as of the application date, There must be no past due installment debt, There must be no property tax debt, The remaining number of installments must be more than 12 months
is required.
Homebuyers and commercial space buyers with 12 or fewer remaining installments cannot benefit from the campaign.
Can Those Who Cannot Pay the Full Debt Also Benefit from the 25% Discount?
Yes. TOKİ's 2026 campaign also includes a partial payment option.
Rights holders who cannot settle their full debt can partially benefit from the campaign through cash payments they will make provided that such payments are not less than 25% of their current debt balance.
In this way, rights holders who do not have sufficient cash to settle their full debt can also benefit from the discount advantage by making a certain amount of payment.
How to Learn the TOKİ Debt Settlement Amount?
Rights holders wishing to benefit from the campaign can apply to the intermediary bank through which their TOKİ property or commercial space sales transactions were conducted to learn their current debt balance.
The debt balance is calculated as of the date when the debt will be settled.
For this reason, it is important to learn from the bank the current debt settlement and applicable discount amount before making a payment.
Can Housing Credit Be Used in the TOKİ 25% Discount Campaign?
Yes. Rights holders who wish to settle their debt in cash but do not have sufficient funds can benefit from the campaign by using housing credit if conditions are suitable.
According to TOKİ's statement, homebuyers and commercial space buyers can use housing credit from the intermediary banks with which they signed the Real Estate Sales Agreement.
Credit conditions, interest rate, maturity, and credit eligibility may vary depending on the relevant bank's assessment.
What Documents Are Required to Obtain the Title Deed?
Rights holders in projects where condominium ownership has been established who wish to settle their debt and obtain their title deed must carry certain documents with them when going to the bank.
These are:
Document showing the property declaration value obtained from the relevant municipality Valid DASK policy / insurance certificate
as stated.
Since additional documents may be requested depending on the project and transaction type, it would be helpful to confirm the current document list from the relevant bank before applying.
Approximately 228 Thousand Housing and Commercial Space Buyers Can Benefit
According to information disclosed by TOKİ, it is expected that approximately 228 thousand housing and commercial space buyers will benefit from the 25% discount campaign in 2026.
The campaign creates an important early payment option, especially for right holders with long-term TOKİ debt and the ability to pay off their debt in cash.
How to Apply for TOKİ's 25% Discount Campaign?
Applications are not made directly through TOKİ's website, but through the relevant intermediary bank where the sale transactions of the housing or commercial space are conducted.
Right holders must apply to the relevant bank between September 22 – October 19, 2026 to learn their current debt balance and the amount to be paid under the campaign.
The debt repayment process must also be completed within the campaign period.
Frequently Asked Questions About TOKİ's 25% Discount Campaign When did the TOKİ 25% discount campaign start?
The campaign started on September 22, 2026.
When does the TOKİ discount campaign end?
The final application date for the campaign was announced as October 19, 2026.
Is it mandatory to pay off the entire TOKİ debt?
No. Those who cannot pay off the entire debt balance can benefit from partial discount option provided that they pay at least 25% of the debt balance in cash.
How much discount will I receive if I pay off my TOKİ debt?
A 25% discount is applied to right holders who meet the campaign conditions and pay off their entire debt balance. The exact payment amount is calculated by the relevant bank as of the debt repayment date.
Can those with 12 installments remaining benefit from the campaign?
No. Housing and commercial space buyers with 12 or fewer installments remaining cannot benefit from the campaign.
Can I pay off TOKİ debt by taking out a loan?
Yes. Right holders under the campaign can use a housing loan from the intermediary banks where they signed the Real Estate Sales Contract, if conditions are suitable.
Where do I apply for the TOKİ discount campaign?
Applications are made to the intermediary bank where the sale transactions of the TOKİ housing or commercial space are conducted.
Don't Miss the Final Application Date
TOKİ's 2026 25% debt repayment discount campaign will end on October 19, 2026.
Housing and commercial space buyers who meet the campaign conditions can benefit from the discount advantage by paying off their entire debt or by paying at least 25% of their debt balance in cash.
It is recommended that right holders learn their current debt balance, the discount amount to be applied, necessary documents and any credit options from the relevant bank before the transaction.
