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For sale · Apartment · IRE-0036

Hayat Flora

Halkalı, Küçükçekmece1+1 / 2+1 / 3+1 / 4+10 m²

Price$276,000∞ ₺ / m²

Description

Hayat Flora is an Özak GYO project rising in Küçükçekmece where the Marmara Sea meets Küçükçekmece Lake. The M11 Halkalı-Istanbul Airport metro line and Marmaray Halkalı station are only 500 meters from the project.

Unit types ranging from 1+1 to 4+1 offer a wide range from 65-364 m². Street-level shops, cafes, and restaurants bring daily needs to the home entrance.

Within the project is a social facility with waterfall pool bar, café, bicycle and walking path, open-air children's play area, sports courts, saltwater swimming pool, electrical vehicle charging points, green areas, and amphitheater.

The project is 10 minutes from Florya, 19 from Ataköy, 25 from Fişekhane, and 35 from Üsküdar, while private transport allows E-5 and TEM highway access in 10 minutes.

According to the September 2026 price list, 2+1 apartments start at 276,000 USD; payment is structured as 50% down, 24 months installments, and VAT included.

Starting price 276,000 USD (September 2026 price list; 2+1 (up to 85 m²) starting at 276,000 USD; 50% down, 24 months installments, VAT included); TL equivalent calculated at 48.52 exchange rate and varies with current rates. Payment plan: 50% down, 24 months installments, VAT included.

Developer: Özak GYO · Square meters: 65–364 m² · Unit types: 1+1, 2+1, 3+1, 4+1.

Key facts

Rooms: 1+1 / 2+1 / 3+1 / 4+1
Gross area: 0 m²
Net area: 0 m²
Age of building: Brand new
Furnishing: Eşyasız
Mortgage eligibility: Not eligible
Listed on: 14 September 2026

Features

Marmaray and M11 metro 500m
Open-air swimming pool
Children's play area
Fitness center
Sauna
Seating and rest areas
Street-level shops, cafes, and restaurants
Expansive landscape and garden areas
Garden and terrace apartment options
Sea and lake views

Hesap

Taxes and costs on purchase

Title deed fee — total (%4)By law the buyer and seller split it evenly (%2 + %2): $11,000
Buyer's shareIn practice it is usually left entirely to the buyer — it is negotiable: $5,520
Valuation reportMandatory for mortgages and for sales to foreign buyers: $1,250
Notary and translation (estimated)Power of attorney, interpreter and paperwork costs: $700
Estimated total for the buyerProperty price + buyer's share of the fee + mandatory costs: $283,500

A capital gains tax may also arise on the seller's side: if the property is sold before 5 years have passed, the gain is subject to income tax. The exemption for 2026 is 150.000 ₺.

Sales tax calculatorRates as of 1 January 2026 · estimated figure, not binding

Title types

What your title says matters as much as the home itself

Conditional mortgage

Land title

The title of a property with no building on it, or whose building is not recorded on the title. What you own is the ground, not an individual flat.

There is no unit number on the title; you own the whole plot or a share of it.
On a co-owned plot the title does not say which square metres are yours; using them requires an agreement with the other co-owners.
Zoning status must be checked separately with the municipality — an unzoned plot may stay unbuildable for years.
Property tax is charged at the land rate, which differs from the residential rate.

Selling a co-owned plot is not easy: finding a buyer takes far longer than for a home, and the other co-owners hold a right of pre-emption.

Most banks will not grant a home loan on land; a land loan is a separate product with a higher rate and a shorter term.

Conditional mortgage

Construction servitude

A right established over a unit in the plans while the building is not yet finished. Your flat exists on the title, but the building does not officially count as complete.

It is set up from the plans: which floor, which flat and how many square metres appear on the title.
Once the building is finished and the occupancy permit is issued, it is converted into condominium ownership.
The conversion is usually done collectively; you do not need to apply on your own.
Until the occupancy permit is issued, electricity and water connections do not become permanent and run on temporary contracts.

In a building without an occupancy permit, the move to condominium ownership can take years. Before buying, always ask whether the permit has been issued and, if not, what is blocking it.

A mortgage is possible, but banks usually value the property lower and some require the occupancy permit.

Mortgage eligible

Condominium ownership

The state in which the building is finished, the occupancy permit is issued and each unit has its own title. It is the safest title type for a buyer.

The flat is registered on the title with its own unit number and its share of the land.
The occupancy permit is in place; electricity, water and gas connections are permanent.
Common areas and land shares are defined in the management plan.
Sales, mortgages and loans go through most smoothly with this title type.

Condominium ownership on its own does not mean the building is sound. The construction inspection report and compliance with the earthquake code must be checked separately.

Banks lend at the highest loan-to-value on this title type, and valuation moves fastest here too.

Swipe the cards sideways

Location

Halkalı, Küçükçekmece, İstanbul

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This listingNearby listings (6)

The map and distances are approximate, measured from the centre of the neighbourhood; the exact address is shared at the viewing appointment.

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