500 Thousand Social Housing Project 2025: Who Can Apply, What Are the Requirements?

The 500 Thousand Social Housing Project is a large-scale housing initiative covering all 81 provinces of Turkey, offering long-term, low down payment homeownership opportunities for low and middle-income citizens. Applications are accepted between November 10, 2025 – December 19, 2025 through bank branches and e-Government portal.

This article explains who can apply, application requirements, income and property criteria, category structure, and how the process works.

1. What is the 500 Thousand Social Housing Project?

Led by TOKİ (Housing Development Administration), the project plans to build 500,000 social housing units across Turkey. Key features:

• Applications accepted through Ziraat Bank, Halk Bank, and Emlak Katılım Bank branches and e-Government
• Application period: November 10 – December 19, 2025
• 5,000 TRY application fee (refundable if not selected in lottery)
• 10% down payment + 240 months (20 years) installment plan

2. Who Can Apply? (Basic Requirements)

2.1. Citizenship and Age

• Must be Turkish citizen for at least 10 years
• Must be 18 years or older

2.2. Residence Requirement

• Must have resided in the application area for at least 1 year

2.3. Property Ownership Restriction

• No registered independent housing as of October 24, 2025
• No previous TOKİ housing agreement
• Total property value must not exceed 1,000,000 TRY

2.4. Household Income Limit

• Nationwide: Maximum 127,000 TRY/month
• Istanbul: Maximum 145,000 TRY/month

2.5. Single Application Rule

• Only one application per household (applicant + spouse)

3. 7 Application Categories

1. Families of Martyrs, Terror/War Casualties
2. Veterans (Cyprus, Korea)
3. Citizens with at least 40% Disability
4. Retirees
5. Families with 3+ Children
6. Youth aged 18-30
7. Other Applicants

Quota Allocation

• 5%: Martyrs' families and veterans
• 5%: Disabled (40%+)
• 10%: 3+ children families
• 20%: Youth (18-30)
• 20%: Retirees
• 40%: Other applicants

4. How to Apply?

4.1. Bank Branch Application

• Visit authorized bank branches
• Sign application commitment form
• Pay 5,000 TRY application fee

4.2. e-Government Application

1. Login to e-Government portal
2. Find TOKİ / "Housing Application" service
3. Complete online application
4. Transfer 5,000 TRY to provided IBAN

5. Lottery, Payment Plan & Installment Increases

Lottery Process

• First: Eligibility determination lottery
• Second: Housing unit assignment lottery
• Non-selected applicants receive full refund

Payment Terms

• 10% down payment + 240 months
• Installments start month after contract
• Increases every January and July based on civil servant salary increases

Conclusion

If you meet the criteria and can handle long-term installment payments, the 500 Thousand Social Housing Project offers a significant opportunity, especially for households struggling with rent-installment balance.

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