How to find an affordable home: compare the full cost

Make sure you are comparing like with like

A search for the most affordable development often puts homes of different sizes and completion stages side by side. One apartment’s gross area may not equal another’s usable space. A starting price may not apply to your preferred floor, orientation or layout. Record the usable area, building, floor and handover specification alongside the room count.

ARCTY recommends setting three limits at the first meeting: total purchase budget, cash available now and the latest date you need to move in. Do not keep a project on the shortlist for its images if it fails one of these conditions. Our Türkiye collection is a starting point; every option needs a current unit-specific quote.

Divide the cost into four parts

• The home’s price, quoted on the same date and for the same payment method.
• Itemised transaction costs that apply to your purchase.
• Furniture, refurbishment and utility connection costs before use.
• Accommodation or rent you will continue paying while waiting for handover.

Taxes and transaction charges are not reduced to a fixed percentage here because the property, parties and transaction can differ. Ask ARCTY for itemised written figures. If borrowing, use the lender’s total repayment and fee information.

Put the figures on the same basis before comparing discounts

In a purely hypothetical example, home A costs TRY 4,000,000 and home B costs TRY 4,200,000. If preparation costs are TRY 300,000 for A and TRY 50,000 for B, their combined costs become TRY 4,300,000 and TRY 4,250,000 respectively. The lower asking price can lose its advantage even before transaction and financing costs. This illustrates comparison, not market prices or returns.

Test the commute and usable space

Inspect the unit’s floor plan rather than a headline area inflated by common spaces. Check where beds, desks and wardrobes fit. Try the commute at the time you will actually travel. A low price may not suit you if it brings a long daily journey and high running costs. Read our completed versus off-plan comparison to include the cost of waiting.

Build a shortlist of three quotes

Each quote should identify the home, date, validity period, deposit, interim payments and handover balance in the same order. A project listing does not prove a specific home is available that day. For example, Avrupa Konutları Güneşli offers layouts to compare, but cannot be called the cheapest without current prices.

Share your budget and preferred district with ARCTY. We can compare three options on consistent terms and explain why each does or does not fit.