Total Monthly Housing Cost (Integrated)
NewMortgage + DASK + home insurance + property tax + dues — true monthly cost.
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This tool only performs calculations and is NOT investment or financial advice. Rates/taxes change; verify with official sources (bank, accountant, SPK-licensed advisor) before acting.
True Monthly Cost (All-in)
₺55.335,79
Monthly Breakdown
| Mortgage Payment | ₺53.217,46 |
| DASK Earthquake Insurance | ₺35,00 |
| Home Insurance | ₺250,00 |
| Property Tax | ₺333,33 |
| Dues | ₺1.500,00 |
ℹ️ Using 2026 figures: compulsory earthquake insurance (DASK) ~35 TRY/month (≈100 m² average, a simplified estimate). Home insurance: 1.5‰ of value per year. Property tax: 2‰ of value per year (residential). Actual amounts vary by property size and region.
The DASK premium is an estimate — for the current tariff, check dask.gov.tr.
The DASK premium is an estimate — for the current tariff, check dask.gov.tr.
Rent vs Buy
10-Year Total Rent
₺7.671.509,51
🏆 10-Year Total Buy Cost
₺7.140.294,77
Buying is ₺531.214,74 cheaper than renting over 10 years.
ℹ️ This comparison excludes property value appreciation, one-time homeownership costs (title deed fee, appraisal, renovation), and unusual rent market jumps. It is a cash-flow comparison only, not investment advice.
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