2026 Mortgage Loan Interest Forecast in Turkey: What Should Buyers Expect?
2026 Mortgage Loan Interest Forecast in Turkey: What Should Buyers Expect?
In 2026, housing loan interest rates in Turkey will gradually decrease in the first half of the year; It is expected to approach 2% after the middle of the year. Interest rates will be determined by the Central Bank's policies, banks' campaigns and housing demand.
📉 Will Mortgage Loan Interest Rates Fall in 2026?
Yes. Mortgage loan interest rates throughout 2026 a controlled downward trend It is foreseen. Although a sudden decline is not expected, campaigns especially by public banks may create opportunities for buyers.
⏰ When is the real relief in interest rates?
According to experts Second quarter of 2026 (April–June) It will be a critical period. In this process, competition between banks may increase and more suitable loan options may be seen.
📊 2026 Housing Loan Interest Forecast
| Period | Expected Monthly Interest |
|---|---|
| January – March 2026 | %2,6 – %2,8 |
| April – June 2026 | %2,2 – %2,4 |
| July – December 2026 | 2% and below (with campaign) |
🏠 Does it make sense to buy a house in 2026?
✔ Session recipients: Still makes sense in the long run
✔ Investors: Region and rental income are important
⚠ Those waiting for interest rates to fall: Prices may increase, deals may run out quickly
📈 What Happens to House Prices If Interest Rates Fall?
A decrease in interest rates may increase the demand for housing. This is especially true in popular areas causing prices to move upwards may cause.
❓ Frequently Asked Questions
Will interest rates fall below 2% in 2026?
👉 It may be possible with promotional loans.
Will it become harder to buy a house when interest rates drop?
👉 Good deals can be sold quickly due to increased demand.
Is it reasonable to wait for interest rates to drop when buying a house?
👉 If your budget is suitable, it may be advantageous to wait for interest rates to drop in the middle of the year; But the risk of price increase should not be forgotten.
🔎 For Those Planning to Buy a House in Kuşadası
You can examine the villas and apartments for sale suitable for 2026 interest rates in Modernada.
👉 Click for current opportunities and announcements.
✅ Summary
Mortgage loan interest rates in 2026 in gradual downward trend
For mid-year and later buyers more advantageous
The risk of price increase should be taken into consideration