Checking TOKİ debt via E-Government is quite simple. Beyond checking outstanding debt, you can also view installment payment details through the e-Government portal. To check TOKİ debt on e-Government:
- After signing in to e-Government, click on the “Services” section.
- From the list that appears, find the category labeled TOKİ.
- After selecting the TOKİ category, open the installment payment plan query screen to view your list and debt details.
- On the TOKİ debt query screen you can also see the project name, contract date, total number of installments and total debt amount.
How to Check TOKİ Installments Online?
Online TOKİ debt inquiries can be performed through the e-Government system. To access e-Government you need a Turkish ID number and an e-Government password. The e-Government password can be purchased at any PTT branch for a nominal fee. With this password and your ID number you can complete the query process on the e-Government platform.
In addition to e-Government, you can also perform inquiries on TOKİ’s official website. To do this:
- Visit TOKİ’s official website.
- After entering the site, click the TOKİ online installment section located at the top right of the homepage.
- Information entered on the inquiry screen must not be shared with others.
- You can safely complete your inquiries through the TOKİ website.
Can a TOKİ Home With Outstanding Payments Be Sold?
It is generally not possible to sell a TOKİ home that still has outstanding payments. Beneficiaries who have purchased a TOKİ residence and are still paying installments cannot usually sell the property before completing payments. Contracts can be binding for up to 240 months, and selling before installments are finished is typically not allowed. In some special circumstances, TOKİ may permit a sale. For example, if the buyer belongs to the middle-income group and has made regular payments for at least one year, TOKİ may consider allowing a sale. Such cases are reviewed and must be approved by TOKİ, and applicants must meet with authorized personnel for assessment.
Is Transfer of a TOKİ Residence With Outstanding Payments Possible?
Transfer of a TOKİ residence before payments are completed is generally not permitted. TOKİ homes are designed for low and middle-income households and are purchased with commitments that can span up to 240 months. Unless this commitment is fulfilled, transfer of ownership is not possible. Low-income applicants cannot sell or transfer the home before the debt is fully paid. However, middle-income buyers who maintain regular payments may be allowed to transfer ownership under TOKİ’s review and approval.
TOKİ Debt Inquiry via Ziraat Bank
To query TOKİ debt through Ziraat Bank, you can call the bank’s call center or use the bank’s online services.
To query your TOKİ debts:
- Use the TOKİ debt inquiry page online to see your outstanding amounts and total installment totals.
- The inquiry screen requires entry of identifying information such as Turkish ID number, tax number or passport number.
- You may also need to provide your contract number and customer number on the TOKİ debt query page.
- After entering the security code shown on the screen, you can view all your TOKİ debts.
What Happens If TOKİ Installments Are Not Paid?
If TOKİ installments are not paid, the TOKİ housing contract may be terminated. TOKİ programs are intended to help low-income families obtain housing, but when payments are missed, the contract can be canceled. If installments are delayed, late interest will be charged according to the contract. If the buyer fails to pay at least two installments, two demand notices are issued to the buyer.
CLICK HERE TO CHECK TOKİ DEBT VIA E-GOVERNMENT
Following the notices, the administration may proceed with contract termination. In case of termination, the application fee, down payment and paid installments are refunded without interest after deduction of expenses. Taxes and bank commissions are not refunded. Any rent accrued for the period after delivery of the residence is also deducted from the refunded down payment and installments.
What Are the TOKİ Application Requirements?
The TOKİ application requirements are determined by the Housing Development Administration (TOKİ). Main conditions include:
- Applying to acquire a residence from projects carried out by TOKİ.
- Being a Turkish citizen.
- Residing in the province or district where the project is located for at least one year.
- Being registered in the population of the province or district where the project is located.
- For applicants who are relatives of martyrs, veterans or widows, a three-year residence requirement in the project area applies.
- Not having previously purchased a house from the Housing Development Administration.
- Not having used a housing loan from the Housing Development Administration.
- Not owning any registered independent real estate in the applicant’s name, spouse’s name or under legal guardianship of children.
- Applicants must be at least 25 years old.
- Monthly household income must not exceed 4,500 TL. For Istanbul the income limit is set at 4,800 TL.
- Only one person per household may apply.
What Are the Application Conditions for the Poor Group in TOKİ Sales?
Application conditions for the poor group are as follows:
- Applicants must be at least 18 years old.
- Applicants must be Turkish citizens.
- No household member should own a residence.
- Citizens with 40% or greater disability are eligible to apply.
- War veterans such as Independence War veterans, Korean veterans, Cyprus veterans and those with national service obligations may always apply.
- Only one household member may submit an application on behalf of the household.
- Applicants must not own independent residential property registered in their name, spouse’s name or under the guardianship of their children.
Applicants in the poor group cannot sell or transfer the home until the 240-month payment period is complete. The home can be sold or transferred after the debt is fully paid. If false information is provided during the lottery draw, the beneficiary’s right to obtain a residence will be canceled. Applying to the lottery implies acceptance of these rules.
TOKİ Sales Without Lottery
Lottery-free sales are conducted for TOKİ properties in many cities without preconditions. These sales are not held regularly, so it’s important to follow announcements for developments. Properties offered without a lottery are limited and require prompt action.
For those who win the TOKİ lottery, installment payments can be made as follows:
- TOKİ installment payments can be made via automatic debit authorization.
- Payments can also be made easily using Turkish ID number and account number.
- Installment payments are available online.
- Payments can be made via bank transfer through Ziraat Bank.