With the first half behind us, TÜİK data confirm the picture: many middle-income buyers are impatiently waiting for mortgage rates to come down. Those who now keep their money in deposits, gold or foreign currency will act as soon as conditions improve. This group, whose primary goal is to own and occupy a home, steps in whenever rates retreat. June figures bear this out: overall sales were up 35.8 percent year on year, and mortgaged deals soared 112.6 percent. If the anticipated rate cuts arrive in the coming period, the housing market could set new records.