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Citizenship by Investment9 min

Turkey Citizenship by Investment: Buying Off-Plan vs Completed Property

A process-focused comparison of a completed-property purchase and a notarised sale promise for Turkey CBI. The legal test is the registry document trail, not the sales label.

Berk Tüzel
Berk Tüzel
August 3, 2026
turkey citizenship off plan propertyturkey cbi completed propertyturkey citizenship real estate
Turkey Citizenship by Investment: Buying Off-Plan vs Completed Property

For Turkey citizenship by investment, “off-plan” is a commercial label, not the legal test. A completed-property purchase and a notarised promise-of-sale file follow different registry mechanics. The official record, payment trail, value evidence and three-year undertaking must fit the route used. This is a process guide based on Turkish public sources checked on 3 August 2026; it is not an approval guarantee.

Start with the official threshold and decision

The Investment Office says foreign natural persons may seek citizenship through exceptional procedures by buying real estate worth at least USD 400,000 and declaring a three-year no-sale undertaking on the title deed. The final decision is not automatic: NVI states that applications are assessed and the final decision is submitted for Presidential approval, subject to national-security and public-order review. See Investment Office guidance and NVI citizenship FAQs.

Completed purchase: the title-deed route

For a completed purchase, the practical evidence chain is a property that can be transferred and registered, the official deed transaction, payment evidence, a relevant value document and the no-sale undertaking. TKGM says that for a purchase route, the property must have condominium ownership or condominium easement, or be land with a building on it. Do not call a building “completed” merely because marketing materials use that word; review its registry status.

Off-plan: use the sale-promise category precisely

TKGM treats a notarised promise of sale as a distinct route. Its FAQ says property subject to a promise of sale must have condominium ownership or condominium easement, and the required amount for a sale-promise application must be met in one contract. Multiple properties may be included in one contract, but multiple promise-of-sale contracts are not counted together for that threshold. This is the relevant official category for many off-plan discussions; contract wording and registry annotation need specialist review before an irreversible payment.

Payment, foreign exchange and value must align

TKGM says the FX purchase certificate value, declared deed or promise-of-sale value, value document and total payment transfers must each meet the required value. For foreign buyers, the FX-conversion announcement says foreign currency must be sold to the Central Bank through a bank, with the bank-issued FX purchase certificate delivered to the land registry; a citizenship file also needs the buyer-to-seller transfer receipt. Keep every payment on the planned route from the start.

A closing checklist that prevents avoidable gaps

Before signing, collect the registry extract and property status, seller/developer chain, contract or transfer form, value document timing, planned bank payments, FX certificate process, payment receipts, no-sale wording and eligibility-certificate workflow. TKGM says an eligibility certificate follows the land-registry process and is then sent to migration and population/citizenship authorities. A deposit should not replace this review.

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Frequently asked questions

Is off-plan property automatically eligible?

No. “Off-plan” is not the legal test. The file must fit the official sale-promise route and its registry and document conditions.

Can several sale-promise contracts be added together?

TKGM says the required amount for a sale-promise route must be met in one contract; multiple sale-promise contracts are not considered together.

What is the minimum property value?

The Investment Office and NVI public information state USD 400,000 or equivalent for the real-estate purchase route, with a three-year no-sale undertaking.

Does payment documentation matter after the contract?

Yes. TKGM requires a coherent FX certificate, declared value, value document and payment-transfer trail; citizenship files also require buyer-to-seller bank evidence.

Official sources checked

Primary/public sources checked 3 August 2026: Republic of Türkiye Investment Office, Acquiring Property and Citizenship (USD 400,000 and three-year undertaking); TKGM Foreign Affairs FAQ (sale-promise, registry status, document/value alignment and eligibility certificate); TKGM FX-purchase-certificate announcement (effective 24 January 2022); and NVI Citizenship Services FAQs. Rules are in force as published; reconfirm the exact transaction structure before signing.

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