What Will Happen in the Real Estate Market If Interest Rates Fall in 2026?
What Will Happen in the Real Estate Market If Interest Rates Fall in 2026?
🔍Housing Loans and Market Expectations in 2026
One of the most curious topics as we approach 2026: “What will happen to the real estate market if mortgage loan interest rates fall?”
With the relaxation signals of the Central Bank, in 2026 housing loan interest rates may fall below 1.5%being spoken. This means new opportunities for both investors and those who want to own a home.
So, will the decrease in interest rates only affect the cost of credit, or will it change all market balances? Here are the 5 prominent changes:
1️⃣ Demand Increase
The decrease in interest rates accelerates postponed house purchases. Low interest → lower installments → means more buyers.
Especially in middle and upper segment residences demand increase is expected.
Purchases are expected to increase by up to 30% in summer and investment areas such as Kuşadası.
2️⃣ Rising Prices Again
Low interest rates increase demand, pushing prices up. Average in mid-2026 15–25% price increase possible.
tourist areas (Kuşadası, Bodrum, Çeşme) will increase rapidly.
metropolitan area will experience a gradual increase.
3️⃣ The Rental Market Will Shrink
When interest rates drop, some tenants choose to become homeowners.
The supply of rental flats decreases and rental prices may remain stable.
Investors in this period value increase instead of rental income will focus.
Mini Özet: When interest rates drop in 2026, it will be difficult to find a rental house, and rental prices will remain constant.
4️⃣ Smart and Sustainable Housing Will Come to the Fore
Low interest rates, buyers to well-equipped residences leads to:
smart home systems
underfloor heating
Solar panel integration
Modern and energy efficient residences in 2026 segment with the highest investment value will be.
5️⃣ New Loan Campaigns and Government Supports
With the decrease in interest rates, public banks long-term and low-interest loan packages will present.
New models such as “My First Home 2.0” or “Summer House Support Package” may come to the fore.
Digital application and instant approval processes will become widespread.
🧭 Conclusion: 2026 is an Opportunity Period for Real Estate Investment
The decrease in interest rates affects not only the cost of credit, but the entire market:
increase in demand
price rise
Rental supply decrease
Orientation towards smart homes
New financial supports
💡 If you are planning to invest in 2026, Acting early and choosing the right region and project will make a significant difference.
👉 Are you ready for 2026? We are ready. Contact us now.