20 Critical Points to Check When Buying a Home
Buying real estate is one of the biggest financial decisions most people make. This comprehensive checklist covers 20 essential points you should never overlook when purchasing a home.
1. Title Deed Check
Verify the title deed at the Land Registry. Check for mortgages, liens, or restrictions.
2. Zoning Status
Get a zoning certificate from the municipality.
3. Building Permit & Occupancy
Ensure the building has proper permits.
4. Earthquake Safety
Check compliance with earthquake regulations. Post-1999 buildings are generally safer.
5. Valuation Report
Get an independent appraisal to know the true market value.
6-10. Location Factors
Research neighborhood safety, transportation, schools, healthcare, and infrastructure.
11-15. Property Details
Check maintenance fees, DASK insurance, parking, building age, and sun exposure.
16-20. Financial & Legal
Account for hidden costs (4% title deed fee, commission, notary), get mortgage pre-approval, verify seller, review contract with lawyer, and test everything at handover.
Cost Overview Table
| Cost Item | Rate/Amount | Note |
|---|---|---|
| Title deed fee | 4% | Split buyer/seller |
| Commission | 2-3% | Agent fee |
| Appraisal | 5-15K TL | SPK licensed |
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