How is the title deed fee calculated and who pays it?

According to the current sales statement of the General Directorate of Land Registry and Cadastre, in accordance with the tariff based on the Fees Law No. 492, a title deed fee of 20 per thousand is calculated separately for the buyer and seller based on the sales price. That's 2 percent per side; It means a general rate of 4 percent for the sum of both parties.

The declared transfer fee used in the calculation cannot be lower than the property tax value of the real estate. Do not confuse sales price with tax value: tax value is the lower limit; If the price actually agreed upon by the parties is higher, the actual transfer price must be declared in the transaction.

Short answerThe general total fee for a sale declared as 10 million TL is 400 thousand TL.

200 thousand TL is calculated for the buyer and 200 thousand TL for the seller; working capital and other transaction expenses are not included in this example.

The general sales tariff calculates the fee separately for the transferee and transferor. In turn, the buyer and seller can discuss how to economically share the total transaction cost during negotiation. The total value of the offer changes if the seller bears his own share, the buyer covers the costs of both parties, or the price is adjusted accordingly.

Cost sharing should not be left verbal. In the offer or sales preparation document, who will cover the sales price, buyer's fee, seller's fee, real estate service fee and other expenses should be written on separate lines. Official accrual and payment instructions must be carried out in accordance with the party on behalf of whom it was issued in the title deed process.

TKGM states that in addition to the title deed fee, a fee is collected in accordance with the Revolving Fund Enterprise tariff in the sales transaction. This fee is not part of the 2 percent applied to the sales price. Due to the transaction type, service item and tariff coefficients, the current amount should be seen in the official accrual.

Fixed "2026 title deed cost" figures on the internet may be misleading when the location of the real estate or transaction details change. When preparing a budget, calculate the fee with the formula; Leave a separate reserve for the revolving fund and update the exact amount with the official information received after the title deed application.

• Title deed fee: relative payment depending on the sales price
• Revolving fund: Separate service fee based on TKGM tariff
• Brokerage fee: contractual service with the real estate business
• Loan expenses: items dependent on the bank and valuation process
• Insurance and moving: first period budget outside transaction

It is not enough for the title deed declaration to be lower than the property tax value; In the transaction, the actual transfer price of the parties should be taken as basis. Declaring the price unrealistically low may later lead to consequences such as fees, tax loss penalties and delay interest. In addition, when payment and disputes arise between the buyer and the seller, the price in the official document creates a separate risk.

Do not leave any unexplained differences between the sales price, bank transfer, credit usage, appraisal and title deed declaration. If there is a special exemption, urban transformation transaction, inheritance, donation or other type of transfer, verify the legal nature of the transaction and the current exemption with an expert instead of automatically applying the general sales formula.

• Actual deal price and payment plan
• Current property tax value
• Consistency with credit and debit transfer
• Exemption or special treatment basis, if any
• The same number language in offers, title deed applications and contracts

Title deed fees generally require cash separate from the loan down payment and the price to be paid to the seller. For the buyer, his own fee share, additional expenses undertaken by the agreement, revolving fund, loan expenses and first term reserve should be added to the required equity account. Calculating just “sales price minus credit” leaves the closing budget incomplete.

Verify the payment information received after the application through the official channel; Do not use the account or connection request solely based on the guidance received in the message. Use a single closing list with fees paid on transaction day, secure sales flow established, records to be removed and delivery terms ready.