Rising construction costs, high loan interest rates and limited supply are making access to housing increasingly difficult in Türkiye. Especially recently, the acceleration in rent increases and the continued high level of housing loan interest rates have led both investors and first-time homebuyers to search for different alternatives. Sector data shows that activity in housing sales continues, but that the share of mortgaged sales within the total remains at low levels. This picture indicates that difficulties in accessing credit are directly affecting the market. Experts point out that the current financing structure is not sufficiently inclusive for wider segments of society.
Along with these developments in the real estate sector, alternative financing models are being discussed more frequently. Shared ownership, rent-to-own systems and developer-supported payment plans are among the prominent topics being considered, especially in addressing the issue of accessibility.
SOA Holding Chairman Yalçın Artukoğlu, who shared his assessment on the subject, stated that the sector is undergoing an important transformation and said:
“Today, in the real estate sector, it is necessary to rethink not only the production side, but also access to financing. The high-interest environment shows that the traditional housing loan model is not sufficiently functional for wider segments of society. For this reason, we believe that more flexible, more accessible financing models shaped according to consumer needs will come to the agenda more frequently in the coming period. In particular, developer-supported solutions and alternative payment plans are expected to play a balancing role for demand in the sector.”
Artukoğlu also drew attention to the fact that public-private sector cooperation could be decisive in this process, stating that new models that increase financial access could support market rebalancing.
In the coming period, in addition to smaller and more affordable housing projects, the number of new-generation projects offering different payment options is expected to increase. This transformation is also expected to reshape homeownership habits.
