11.09.2025 17:50
Minister Murat Kurum introduced the Real Estate Participation Savings Financing System. The system, which will enable citizens to own homes, vehicles, and workplaces, will not involve interest and will have government guarantees. Support will be provided through two different models: one with a lottery and one without.
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The Minister of Environment, Urbanization and Climate Change, Murat Kurum, announced the details of a new system that will facilitate citizens' ownership of homes, vehicles, and workplaces. Minister Kurum stated, "There is absolutely no interest in this system; there is direct state assurance."
INTEREST-FREE SUPPORT WITH STATE ASSURANCE
Emlak Katılım Tasarruf Finansman A.Ş., established as a subsidiary of Emlak Katılım, will provide interest-free support to citizens wishing to purchase homes, cars, and workplaces. With this system, citizens will save with installments suitable for their budgets, while the remaining amount will be covered by Emlak Katılım Tasarruf Finans.
"EVERYONE SHOULD HAVE A ROOF, A CAR, AND A SHOP"
In his statement, Minister Murat Kurum emphasized that citizens will achieve their biggest dreams with interest-free solutions, saying, "We want everyone to have a home to shelter in, a car, and a prosperous shop."
A FIRST IN TURKEY
With the new system, for the first time, a public bank has entered the field of savings financing in Turkey. Kurum recalled the real estate certificate application launched last month, stating that they offer citizens the opportunity to own homes with small investments.
TWO DIFFERENT MODELS WILL BE OFFERED
Two separate support models will be implemented for citizens:
- Lottery system: Support will be provided to selected citizens each month through lotteries held in the presence of a notary.
- No-lottery system: Participants will determine the delivery date themselves and will be able to own homes, vehicles, or workplaces with down payment or installment options.
TOKİ AND EMLAK KONUT ASSURANCE
Those wishing to buy a home within the system will be able to own a residence interest-free with the assurance of TOKİ and Emlak Konut.
"THE PRAYER OF OUR NATION IS OUR BIGGEST GOAL"
Minister Kurum concluded his speech with the following words: "Our only aim is to ensure the happiness of our citizens through innovative housing, workplace, and vehicle acquisition initiatives. Our only goal is to receive the prayers of our nation at the end of the day. I hope this project will be beneficial for our country and our people."
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