Konut Kredisi & Faiz Tahmini: 2026’da Ne Bekleniyor?
As we come to the end of 2025, mortgage loan interest rates are still at high levels. So, will mortgage interest rates decrease in 2026? When is the right time for those considering buying a house? Here are the 2026 housing loan expectations for the Turkish economy and real estate sector.
🔍 Will Mortgage Loan Interest Rates Fall in 2026?
A gradual decrease in mortgage loan interest rates is expected in 2026. However, this decline may not reach the low rates before 2023. Economic stability and inflation control will be the most important determinants of this process.
📊 1. What is the situation at the end of 2025?
In the second half of 2025:
policy rate still at high levels (e.g. around 30+%).
Banks apply monthly interest rates between 2.8% and 3.5% on housing loans.
Access to credit has become difficult, many banks carry out strict evaluation processes.
📉 This led to the postponement of housing purchase decisions and a slowdown in sales.
📈 2. 2026 Forecast: In Which Direction Will Interest Rates Go?
According to economists' expectations:
CBRT, may start reducing interest rates with cautious steps in early 2026.
Inflation falling to single digits In this case, housing loan interest rates may also decrease.
However, exchange rate pressure and external borrowing costs may limit the pace of decline.
🔮 Expected Mortgage Interest Range (2026):
24% – 30% annually (approximately 2.0% – 2.5% monthly)
(These rates may vary from bank to bank.)
💡 3. Is 2026 a Good Year to Buy a House?
Yes, but be careful.
Even if interest rates drop in 2026, housing prices may rise again. Because;
When interest rates fall Those who want to take action should start location selection and budget planning now.
Alternatively special campaigns with fixed interest rates should also be followed.
🎯 Clue: Especially in the spring and summer months, it may be more advantageous to buy before the market moves.
📍 Regional Impact: What Happens in Kuşadası and the Aegean?
In touristic areas such as Kuşadası:
The demand, which stopped in 2025, is expected to revive in 2026.
Especially Those who invest in summer-villa type residencesmay benefit from the increase in value.
For foreign investors purchasing in foreign currency more accessible credit sales models may occur.
🧠 Strategic Suggestions
| Your situation | Suggestion |
|---|---|
| Your down payment is ready | Pursue opportunities in the first quarter of 2026 |
| If you are dependent on credit | Wait for the interest rate drop – watch the campaigns |
| If you are purchasing for investment purposes | Assess demand growth in mid-2026 |
📞 What Does Modernada Villa TV Real Estate Offer?
As Modernada Villa TV Gayrimenkul, we do not just offer a portfolio to our customers;
✅ Affordable credit opportunities
✅ Information for the interest rate drop period
✅ Bank guidance and process tracking
We make the process easier with services such as:
👉 Are you ready for 2026? We are ready. Contact us now.