A NEW ERA İN THE 2026 HOUSİNG MARKET: HOW WİLL THE LOAN INTEREST REGULATİON İN THE OMNİBUS BİLL AFFECT INVESTORS?

The Omnibus Bill currently being discussed in the Planning and Budget Committee of the Grand National Assembly of Türkiye includes a significant regulation that directly concerns the real estate sector. According to the draft, the practice of deducting loan interest used for purchasing residential property from rental income as an expense is being abolished. This right will continue only for commercial rental income.

This change will significantly affect investors who purchase residential properties with loans—especially in major cities—to generate rental income.

Tax Burden May Increase for Investors Buying Homes with Loans

With the new regulation:

• Mortgage interest for residential properties will no longer be declared as an expense.
• This will lead to a higher tax calculation on annual rental income.
• Net rental yield may decrease, particularly in regions with high loan costs.

Therefore, investors who rely on financing are expected to proceed more selectively.

Cash Investors Gain a Stronger Position

The change in tax burden also affects market demand dynamics.

Now:

• Cash investors are gaining a more advantageous position.
• As loan costs increase, a slowdown is expected among investors who rely on financing.

This could lead to a rebalancing of the market in the medium term.

New Opportunities in Secondary Housing, Land, and Urban Transformation

Although a short-term slowdown may occur following the tax regulation, certain segments stand out as areas of opportunity:

• Land investments
• Commercial real estate
• Urban transformation projects

The reduced loan burden and the shift toward alternative investment fields may increase activity in these segments.

Transparency and Strict Oversight in Title Deeds: A New Era Begins

The proposal also introduces stricter oversight and sanctions for title deed transactions.

This process is interpreted as:

• The beginning of a transparent pricing era in the market
• A reduction in unregistered value declarations
• A more standardized system in property sales operations

The Importance of Valuation Reports Increases

With the new tax system, making the right investment decision requires greater expertise.
At this point, professional valuation reports gain critical importance.

At Anadolu Properties, our Digital Real Estate Valuation Report enables investors to make safe, data-driven, and transparent investment decisions both in Türkiye and abroad.

Conclusion: A New Balance in the Real Estate Market as We Approach 2026

Real estate investors are now stepping into a new era shaped by:

• Cash strength
• Transparent declarations
• Accurate and professional valuation

In this new environment, investment decisions based on reliable information and sound strategy will determine the winners of the real estate market.