What to Consider When Buying an Apartment

 

What to Consider When Buying an Apartment

A Complete Step-by-Step Buyer’s Guide

 

Are you about to buy the home of your dreams?

Buying an apartment is one of the biggest investments of our lives. However, making a decision based solely on the look or location of a property can be risky.

So, what should you consider to make a safe and smart purchase?
Here’s your complete guide to buying the right apartment:

 

 

 

1.     Location Is the #1 Factor

 

• Is it close to your workplace, school, or public transportation?
• Is it in a developing or declining area?
• Are there hospitals, markets, parks, and schools nearby?

 Note: Location is permanent. An apartment can change, but the location won’t.

 

 

 

2. Construction Quality & Earthquake Safety

 

• Is the building compliant with earthquake regulations?
• Has a soil and ground survey been done?
• Are high-quality construction materials used?
• What is the building’s age? (Be cautious if older than 15 years)

Tip: Research the construction company and check their previous projects.

 

 

 

3. Title Deed and Occupancy Permit (İskan)

 

• Does the title deed state “residential property”?
• Does it have a floor easement or floor ownership status?
• Has the occupancy permit been issued?
• Are shared areas officially recorded?

 Avoid properties with incomplete title deeds, without occupancy permits, or with shared ownership.

 

 

 

4. Physical Features of the Apartment

 

• Are the number of rooms and square meters sufficient for your needs?
• Does the apartment get natural sunlight?
• Is there heat and sound insulation?
• Are the heating system, plumbing, and windows functional?

 Visit the apartment at least twice — once during the day and once in the evening.

 

 

 

5. Maintenance Fees & Extra Costs

 

• How much is the monthly maintenance fee (aidat)?
• What services are included? (security, parking, pool, etc.)
• Are there additional expenses (building maintenance, repairs)?

 In luxury complexes, monthly fees can be as high as rent in some cities.

 

 

 

6. Any Debts or Legal Claims on the Property?

 

• Are there unpaid property taxes?
• Is there any mortgage, lien, or legal claim on the apartment?
• Is the seller the legal owner?

 Ask the land registry office for a detailed title deed report.

 

 

 

7. Neighbors and Building Management

 

• Is the building clean and quiet?
• Are rules enforced in the building?
• Are most residents homeowners or tenants?

 If possible, chat with a neighbor to learn more about the building's atmosphere.

 

 

 

8. Market Value of the Apartment

 

• Compare similar apartments in the area
• Get an appraisal report — especially if using a mortgage
• Does the declared market value match the actual worth?

 Be cautious of apartments priced well below market value.

 

 

 

9. Using a Mortgage? Understand the Bank's Terms

 

• What are the interest rates, fees, and total repayment amount?
• Is the property eligible for a mortgage?
• If the loan is lower than the appraisal, can you cover the difference?

 Prepare all required documents and get help from a mortgage consultant if needed.

 

 

 

10. Working with a Real Estate Agent?

 

• Do they have an official license?
• What is the service fee? (Usually 2% + VAT in Turkey)
• Get all agreements in writing
• Always ask for a written and signed receipt when paying a deposit

 

 

 

 BONUS: Pre-Purchase Checklist

 

Item to Check	Available? ✅ / ❌
Floor ownership title	✅ / ❌
Occupancy permit	✅ / ❌
Title deed free of debt	✅ / ❌
Maintenance fee info	✅ / ❌
Earthquake safety compliance	✅ / ❌
Neighbor and community status	✅ / ❌
Sunlight exposure	✅ / ❌
Access to public transportation	✅ / ❌

 

 

 

 Conclusion: Don’t Rush — Research Before You Buy

 

Liking an apartment isn’t enough.
Research, ask, compare, review documents, and be certain.

 Remember: This is an investment that directly affects your and your family's future.

 

 

 

 Legal Disclaimer

 

The information provided in this content (e-book, website, blog post, or guide) is for general informational purposes only.
The views, suggestions, explanations, and comments do not constitute legal, financial, medical, or professional advice.

Users apply this information at their own risk. Everyone’s situation is different, and this content may not be sufficient for making personal or business decisions. Always consult a qualified expert before making major decisions.

Although efforts were made to ensure accuracy and timeliness, errors or omissions may still occur.
The author(s) and publisher(s) shall not be held responsible for any direct or indirect damages resulting from the use of this content.