Turkish citizenship by installments – is it possible?

Introduction

Thousands of Arab investors are searching for ways to obtain Turkish citizenship through buying property in Turkey by installment But the most frequently asked question remains: Is it possible to obtain Turkish citizenship by buying property in installments?

This is where the gray area begins an area exploited by some companies, while the legal reality is far more precise and must be clearly understood before making any decision.

In this article, we reveal the full picture: what the law actually says, where manipulation occurs, and the safe legal method that guarantees both investment security and citizenship without future risks.

Is Buying Property by Installments in Turkey Legal?

Yes, buying property by installments in Turkey is 100% legal and is one of the most common ownership methods, especially in new projects and off-plan properties.

Turkish law allows:

• Buying directly in installments from construction companies
• Flexible payment plans (installments ranging from 12 to 60 months)
• Property registration at a later stage, either after completing payments or upon reaching a specific construction progress rate

However, the key point is:

The legality of installment purchases does not automatically mean eligibility for Turkish citizenship.

This is where dangerous confusion occurs.

What Is the Relationship Between Installment Purchases and Turkish Citizenship?

The Turkish citizenship by real estate investment program is subject to clear conditions, most importantly:

• Property value must be at least USD 400,000
• The property must be registered with a Title Deed (Tapu) in the investor’s name
• The full property value must be transferred through the banking system
• An approved real estate valuation report must be issued
• A commitment not to sell the property for 3 years

The relationship here is extremely precise:

• Installments themselves do not prevent citizenship
• But the installment structure and the timing of the title deed registration are decisive

Is It Possible to Obtain Turkish Citizenship by Installments?

The accurate answer is: Yes, but not through just any installment plan, and not in the way it is commonly marketed.

Turkish citizenship can only be obtained with installment-based purchases if:

• The full USD 400,000 is paid before applying for citizenship
• The title deed is registered at the full value
• The complete bank transfer is officially documented

It is not allowed to:

• Apply for citizenship with only a down payment
• Rely on a “Promise of Sale” contract
• Register an incomplete value on the title deed

This is where serious problems begin.

Illegal Practices Used by Some Construction Companies

Unfortunately, some construction companies exploit investors’ desire for citizenship and market misleading claims such as:

• “Turkish citizenship with a down payment”
• “Pay $100,000 and get citizenship”
• “We will arrange the paperwork later”

Among the most common illegal practices:

• Registering the title deed with a fictitious value not matching actual payments
• Verbal promises to complete payments after submitting the application
• Using inaccurate or inflated valuation reports
• Illegally splitting the amount across multiple properties

These practices may pass temporarily but usually collapse during the security review stage.

A Common Example of Manipulation in Citizenship Properties

An investor purchases a property worth USD 400,000:

• Pays only USD 150,000
• The title deed is registered at USD 400,000
• Citizenship application is submitted

Initially:

• The file is preliminarily accepted
• Citizenship procedures begin

Later:

• Security authorities request bank transfer records
• It becomes clear that the paid amount is less than the registered value
• The application is rejected or canceled after months

And worse:

• The investor may be banned from reapplying
• Loss of time, money, and legal fees

Legal Risks During the Citizenship Security Stage

The security stage is the most critical phase of the Turkish citizenship process, as it depends not only on documents but on actual verification of:

• Source of funds
• Timing of transfers
• Consistency between the title deed and financial reality
• Credibility of the valuation report

Any minor issue in:

• Installment structure
• Property valuation
• Bank transfers

May result in:

• Final rejection
• Cancellation after preliminary approval
• Serious future legal problems

The Only Safe Legal Method to Obtain Turkish Citizenship

The only fully safe method is:

• Choosing a property eligible for citizenship
• Financial planning to pay the full amount
• Transferring the entire value through banks
• Registering the title deed at the real value
• Applying for citizenship after all conditions are met

Some investors rely on:

• Self-financing
• Selling assets outside Turkey
• Temporary financial arrangements

But the application is submitted only after the legal value is fully paid.

The Role of Al-Hafiz Company in Protecting Investors

This is where the real difference appears.

Al-Hafiz Company does not sell “citizenship illusions.” Instead, it:

• Explains the law exactly as it is
• Rejects any file that carries future legal risk
• Reviews installment plans before signing
• Ensures the validity of the title deed and valuation
• Follows up on the file even after approval

Al-Hafiz’s goal is not just closing a deal, but protecting investors from losses that appear only when it is too late.

Frequently Asked Questions About Installments and Turkish Citizenship

Does buying property by installments prevent me from getting citizenship?
No, as long as the full property value is paid before officially applying.

Can I apply with only a down payment?
No. This violates the law and exposes the application to rejection.

Is a Promise of Sale contract sufficient for citizenship?
No. Citizenship requires a registered title deed (Tapu).

What if manipulation is discovered after applying?
The file may be rejected or canceled even after preliminary approval.

Does Al-Hafiz Company offer safe installment properties?
Yes, provided the financial plan is clear and fully compliant with Turkish law.

Article Summary

Buying property by installments in Turkey is an excellent opportunity, but linking it to Turkish citizenship requires high legal awareness.
Any shortcut that seems tempting today may turn into a major loss tomorrow.

With Al-Hafiz Company, the path may be slightly longer but it is the correct and safest path.