# TOKİ housing debt discount campaign

> Live situation record from CLSTR: https://clstr.news/situations/toki-housing-debt-discount-campaign
> Updated: 2026-09-20T09:18:00.000Z. Sources: 56. Developments: 2.

The Housing Development Administration of Turkey (TOKİ) announced a discount campaign targeting approximately 228,000 housing and workplace owners. 

Under the program, announced by Minister Murat Kurum, individuals who settle their entire remaining debt in full will receive a 25 percent discount. A partial payment option is also available, where paying at least 25 percent of the remaining debt grants a 25 percent discount on the specific amount paid. 

The campaign is scheduled to run from September 22 to October 19, 2026. To be eligible, participants must have commenced installment payments by the end of June 2025 and must have no overdue installments or real estate tax debts. The current month’s installment must also be paid. Borrowers with 12 months or fewer of remaining installments are excluded from the offer. 

Applications must be submitted through the intermediary banks used in the original sales contracts. For projects where condominium ownership has already been established, title deeds will be issued once the debt is settled in full, provided owners submit necessary documentation such as property declaration values and mandatory earthquake insurance (DASK) policies. Additionally, buyers have the option to use housing loans from their banks to facilitate the closure of their debts.

## Claims

- TOKİ is launching a 25 percent discount campaign for housing and workplace buyers. (corroborated by 3 sources)
- Buyers who pay their entire debt in cash will receive a 25 percent discount on their current balance. (corroborated by 3 sources)
- The application period runs from Tuesday, September 22, to October 19. (corroborated by 3 sources)
- Approximately 228,000 housing and workplace buyers are expected to benefit from the campaign. (corroborated by 3 sources)
- Eligibility is limited to buyers whose repayment installments began no later than the end of June 2025. (corroborated by 3 sources)
- Buyers with 12 months or fewer of remaining installments are ineligible for the campaign. (corroborated by 3 sources)
- Applicants must have no outstanding past installments or real estate tax debts. (corroborated by 3 sources)
- Partial payments of at least 25 percent of the debt balance are eligible for a 25 percent discount on the paid amount. (corroborated by 2 sources)

## Timeline

### 2026-09-20: TOKİ announces 25 percent discount for early debt settlement

TOKİ has launched a 25 percent discount campaign for approximately 228,000 property owners. Eligible individuals can receive discounts for full or partial early debt settlements between September 22 and October

36 sources. https://clstr.news/cluster/toki-launches-25-percent-discount-campaign-for-housing-and-workplace-buyers

### 2026-09-18: TOKİ announces 25 percent discount for housing debt repayment

TOKİ has launched a 25 percent discount campaign for 228,000 housing and workplace owners in Turkey, valid from September 22 to October 19, 2026, for full or partial debt settlements.

26 sources. https://clstr.news/cluster/toki-announces-25-percent-discount-for-debt-settlement

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Cite as: TOKİ housing debt discount campaign. CLSTR, https://clstr.news/situations/toki-housing-debt-discount-campaign