2025 年房屋销售破纪录：为什么现在是在土耳其购房的最佳时机？

行政-28/01/2025-购房技巧, 在土耳其投资, 消息-6 min-

土耳其的房地产市场将在 2025 年迎来创纪录的房屋销售。了解为什么需求会激增、价格会上涨，以及为什么现在是投资的最佳时机。

2024’s Housing Market Boom: A Prelude to 2025’s Record Sales

Turkey’s housing market is heating up, with 2024 sales jumping 20.6% year-over-year to 1.47 million units—a clear sign of the explosive growth ahead. Major cities like Istanbul (239,213 sales), Ankara (134,046), and Izmir (80,398) led the charge, while mortgage sales surged by 285% in December alone. But experts agree: 2025 will shatter these records, with projections exceeding 1.5 million sales. Industry leaders, economists, and market analysts are all sounding the same alarm: 2025 will be a historic year for Turkey’s housing market, with experts forecasting record-breaking home sales that could exceed 1.5 million units. This unprecedented surge is not mere speculation—it’s rooted in four powerful, data-backed trends reshaping the landscape. Let’s break them down:

1. Pent-Up Demand: The “Delayed Purchase” Wave is Here

The pandemic, economic fluctuations, and soaring interest rates in 2023-2024 forced many buyers to postpone their home purchases. However, 2024’s market stabilization has reignited confidence. Over 1.47 million homes were sold in 2024—a 20.6% annual jump—proving that demand is rebounding fast.

The “Wait-and-See” Effect: Buyers who hesitated during 2023’s uncertainty are now rushing to secure properties. As GYODER President Neşecan Çekici explains, “The backlog of demand from 2023 and early 2024 is flooding the market, especially in major cities like Istanbul and Ankara.”
Rising Household Formation: Young professionals and families are entering the market, driven by Turkey’s growing population (over 85 million) and urbanization trends.

2. Falling Interest Rates: Mortgages Are Becoming Cheaper

Turkey’s Central Bank has signaled further rate cuts in 2025, following a 285.3% spike in mortgage sales in December 2024 alone. Lower borrowing costs are making homeownership accessible to millions:

Current Rates vs. Projections: Mortgage rates dropped to 12-14% in late 2024 (down from 18-20% in 2023), with analysts predicting single-digit rates by mid-2025.
Monthly Savings: A 2% rate reduction could save buyers ₺1,500-₺2,000 per month on a ₺2 million mortgage. As AYİDER’s Hakan Şişik notes, “Affordable mortgages are turning renters into buyers—fast.”
Developer Incentives: Builders are offering 0% interest installment plans and extended payment terms to attract budget-conscious buyers.

3. Reel Value Opportunities: Homes Are Undervalued

In 2024, home prices grew slower than inflation (which hovered around 50-60%), creating a rare “discount window” for buyers. For example:

Price vs. Inflation Gap: While inflation eroded purchasing power, housing prices rose by just 25-30%, effectively making homes 20-25% cheaper in real terms.
Investor Advantage: As KONUTDER’s Ramadan Kumova states, “This is a golden moment. Buyers are snapping up properties before prices catch up to inflation in 2025.”
City-Specific Bargains: In Ankara, average prices per square meter rose only 18% in 2024, compared to 22% in Istanbul.

4. Local Investment Surge: Domestic Buyers Are Taking Over

Foreign home sales plummeted by 32.1% in 2024 (to just 23,781 units), but Turkish buyers are filling the gap—and then some:

Shift to Domestic Dominance: Local buyers accounted for 98.4% of all 2024 sales, driven by:
- KKM Withdrawals: Over ₺1.3 trillion exited forex-protected deposits in 2024, with much flowing into real estate.
- Gold-to-Property Moves: İTO’s Hakan Akdoğan reports, “Savings once parked in gold are now buying apartments in Istanbul and Antalya.”
Hotspots for Local Demand:
- 伊斯坦布尔: 239,213 sales in 2024 (up 24% YoY).
- 安塔利亚: Foreign sales fell, but local purchases surged by 19%.
- 安卡拉: Affordable mid-range homes saw a 27% sales boost.

Why This Perfect Storm Will Shatter 2025 Records

Combine these four forces, and the result is inevitable: 2025 will be the year of record-breaking home sales in Turkey. Developers like EgeYapı’s Didem Güneş are already preparing: “We’re seeing 5-year highs in pre-construction sales. Demand isn’t just returning—it’s multiplying.”

Projected Sales: Analysts predict 1.5-1.6 million sales in 2025, shattering the previous 2013 record (1.4 million).
Price Appreciation: Expect 15-20% price hikes as inventory tightens and competition intensifies.

Key Drivers Fueling the 2025 Housing Surge

1. Affordable Financing Options: Banks and developers are rolling out special interest campaigns and flexible payment plans. As AYİDER President Hakan Şişik notes, “Lower rates and rising rents are pushing renters to become buyers.”

2. Shift from Savings to Real Estate: Investors are moving funds from gold and forex-protected deposits (KKM) into housing. İTO’s Hakan Akdoğan confirms, “Savings are flowing into real estate as buyers anticipate future price hikes.”

3. First-Time Buyer Boom: First-time purchases soared by 27.6% in 2024, with developers like EgeYapı’s Didem Güneş reporting “the highest new home sales in 5 years.”

Why Buy Now? 4 Reasons to Act Before Demand Peaks

1. Beat the 2025 Price Surge

With record-breaking home sales in 2025 projected to exceed 1.5 million units, supply will struggle to keep up. TÜİK data shows 2024’s sales already surged by 20.6% (1.47 million units), and developers warn that inventory in prime areas like Istanbul’s Beylikdüzü or Ankara’s Çankaya is dwindling.

Price Forecast: Analysts predict 15-20% price hikes in 2025 as competition intensifies. For example, Istanbul’s average price per square meter rose 22% in 2024—imagine the spike when demand doubles.
Limited New Supply: Only ~500,000 new homes were built in 2024, far below the 1.5 million target. Secure your property before scarcity drives prices beyond reach.

2. Lock in Low Mortgage Rates

Turkey’s Central Bank is expected to slash rates further in 2025, but waiting could cost you.

Current Rates: Fixed-rate mortgages hover at 12-14% (down from 18% in 2023). A ₺2 million loan today costs ~₺20,000/month. If rates drop to 10%, monthly payments fall to ~₺17,500—but competition will spike, and banks may tighten eligibility.
Developer Deals: Projects like Fuzul Topraktan offer 0% interest for 24 months, letting buyers move in with minimal upfront costs.

3. Diverse Inventory—But Time is Running Out

From Istanbul’s luxury penthouses to Antalya’s beachfront villas, options are plentiful—for now.

Foreign Buyer Decline: With foreign sales down 32% in 2024, prime properties once reserved for international investors are now available to locals. Antalya’s Kaleiçi district, for instance, saw a 19% uptick in domestic buyers.
Hot Markets:
- 伊斯坦布尔: High-demand areas like Maslak and Kadıköy are selling 30% faster than 2023.
- Emerging Cities: Mersin’s affordable waterfront units (₺15,000-₺20,000/m²) are drawing budget-conscious buyers.

4. Government Incentives Simplify Ownership

Turkey is rolling out programs to make homebuying accessible:

Phased Ownership: Models like Fuzul Topraktan’s let buyers pay 20% upfront and settle the rest over 3-5 years while occupying the property.
Tax Breaks: First-time buyers enjoy stamp duty exemptions on properties under ₺3 million.
Urban Renewal: Grants of up to ₺150,000 are available for earthquake-resistant homes in cities like Izmir.

Expert Predictions: “2025 Will Rewrite the Rules”

GYODER’s Neşecan Çekici: "2025年将是历史性转折点。我们已观察到2025年项目的预售量较2024年翻倍。"
土耳其住房开发商协会（KONUTDER）拉马丹·库莫瓦: "买家正在意识到，一旦通胀加剧，当前'折扣价'将不复存在。"
NEF集团埃尔登·铁木尔: "住房自有率已跌至55%——创十年新低。现在犹豫可能意味着永久错失机会。"

如何在2025年暴涨前锁定投资

瞄准高增长区域:
- 伊斯坦布尔：高端住宅选莱文特和阿塔科伊；平价住宅选埃森尤特。
- 安卡拉：巴蒂肯特和埃里安曼提供适合家庭的单元，年增值率达10%。
- 梅尔辛：滨海项目如玛丽娜城以8-10%的租金回报率吸引投资者。
与本地专家合作:
- 掌握 非公开房源 的中介能在项目上市前达成交易。
- 寻找专精 2025年期房预售 的机构以锁定当前价格。
善用金融方案:
- 农业银行（Ziraat）和担保银行（Garanti）为特定项目提供 12个月付款宽限期 。
- 如EgeYapı等开发商为提前预订者提供 免律师费+增值税折扣 。