Housing Account

Visit Ziraat Bank and open a Housing Account. When you buy your first housing after saving for at least 3 years, the state contribution of up to 20% of your total savings will be added to your account.

Who Can Benefit from the State-funded Housing Account?

• As of 07.04.2015, Turkish citizens who do not own a house registered in their name,
• Those who make regular savings for at least 36 months before buying a house,
• Those who apply to our Bank with the necessary documents within 6 (six) months after purchasing a house will be able to benefit from the State-funded Housing Account.
• If regular payments are delayed, the right to receive the state contribution will not be obtained.
• Apart from the house applied to receive state contribution, there must not have been any other residential property subject to state contribution as of 07.04.2015.

Features

• The Housing Account can be opened as a time deposit in Turkish Lira with or without interest.
• An amount exceeding the upper limit can be deposited for once during the opening of the account.
• One of the monthly or quarterly regular payment options can be selected.
• Different amounts can be deposited, provided that they remain within the lower and upper limits for regular payments.
• The maximum amount of state contribution and the lower/upper limits for regular payments will be increased by the revaluation rate every year.
• The state contribution varies by the savings made, but cannot exceed 25% of the savings in the respective account as of the date of housing acquisition.
• Multiple Housing Accounts cannot be opened.
• The Housing Account cannot be opened as a joint account.
• Within a 12-month period, the drawing right is granted from the housing account at most two times.

The state contribution amounts for 2026 according to the duration of regular payments made to the housing account are as follows;

The minimum and maximum savings amounts for 2026, according to the payment period, are as follows;

Up to a maximum of TRY 541.380,16​ can be deposited for a one-off deposit at the time of opening.

Housing Account State Contribution Application Procedures

Participants who have completed at least 36 months of regular savings and have purchased a house will be able to apply for State contribution for housing accounts.

Participants are required to make account closure and application procedures after the housing purchase is made and the title deed certificate is obtained.

Documents demanded from the Participant;

• Original title deed
• Certificate of identity register copy
• Original certificate of occupancy permit for deeds with construction servitude (no condominium ownership)

In the absence of a certificate of occupancy for non-condominium houses, housing accounts should not be closed and regular savings should continue until the certificate of occupancy is obtained. The application for state contribution can only be made after the occupancy permit is obtained."

The applications made during the month will be collectively forwarded by our Bank to the relevant Ministry within the first 10 days of the following month, and state contributions will be paid by the Ministry within 30 days for the eligible applications and will be transferred to customer accounts on the same day they are forwarded to our Bank.

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