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Tahsilat (Collection) in Turkish Real Estate – What It Means

Turkish real estate vocabulary
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Tahsilat is a Turkish term that translates to collection in English. In the context of real estate and property ownership in Turkey, it specifically refers to the process of collecting payments—whether for property purchases, rent, utility bills, maintenance fees, or taxes.

The term is widely used in financial and administrative transactions. For example, a tahsilat makbuzu (collection receipt) is issued as proof of payment for services like property taxes (emlak vergisi), monthly maintenance fees (aidat), or installments for off-plan property purchases.

Banks, municipalities, and property management companies (e.g., site yönetimi) often handle tahsilat processes. Payments can be made in person, via bank transfer, or through online systems like e-Devlet (Turkey’s digital government portal).

For foreign property owners, understanding tahsilat is key to managing ongoing costs, as late or missed payments may result in penalties or service disruptions (e.g., water/electricity cuts).

Turkish Term English Equivalent Context
Tahsilat Collection General term for payment collection
Tahsilat makbuzu Collection receipt Proof of payment (e.g., for taxes or fees)
Emlak tahsilatı Property tax collection Municipal tax payments
Aidat tahsilatı Maintenance fee collection Monthly fees for apartments/complexes
Elektrik/su tahsilatı Electricity/water bill collection Utility payments
Peşin tahsilat Upfront collection Full payment at once (e.g., for a property)
Taksitli tahsilat Installment collection Payments in installments (common for off-plan properties)
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Tahsilat (Collection) in Turkish Real Estate – What It Means

Payment collection or debt recovery process.

'Tahsilat' refers to the collection of payments, dues, or debts in Turkey. In real estate, it often applies to utility bills, property taxes, maintenance fees, or mortgage installments. It can also describe the process of recovering overdue payments through legal or administrative means.

Banks, municipalities, and property management companies use 'tahsilat' to ensure timely payments. Foreign property owners may encounter this term in invoices, reminders, or legal notices related to unpaid obligations.

Annual tax collection by municipalities or tax offices.

In Turkey, property taxes (emlak vergisi) are subject to 'tahsilat' by local municipalities. Foreign owners receive tax notices (vergi tebliği) annually, typically in March–May. Payment deadlines are strict, usually within 30 days. Late payments incur penalties and interest.

Municipalities may initiate 'tahsilat' procedures, including asset seizure or legal action, for unpaid taxes. Some banks offer automatic 'tahsilat' services to deduct taxes from linked accounts.

Yes, unpaid bills trigger collection actions.

Utility providers (electricity, water, gas) use 'tahsilat' to collect unpaid bills. Foreign owners receive invoices monthly or bimonthly. If unpaid after 1–2 reminders, providers may suspend services or escalate to legal 'tahsilat' via courts.

Some management companies (site yönetimi) handle 'tahsilat' for shared utilities in apartments or complexes. Late fees (gecikme zammı) are added to overdue amounts, increasing the total debt.

Court orders, asset seizures, or bank account freezes.

If debts (taxes, mortgages, fees) remain unpaid, creditors initiate formal 'tahsilat' via Turkish courts. The process includes:

1. A payment order (ödeme emri) sent to the debtor. 2. If ignored, creditors request enforcement (icra takibi) through execution offices (icra dairesi). 3. Assets (property, vehicles, bank accounts) may be seized or auctioned to cover debts.

Foreign owners are notified via registered mail or legal representatives. Ignoring notices accelerates the process.

Yes, via automatic deductions or collection agencies.

Banks in Turkey apply 'tahsilat' to mortgage (konut kredisi) payments. Foreign borrowers typically set up automatic deductions (otomatik tahsilat) from Turkish bank accounts. Missed payments trigger penalties and collection calls.

After 30–90 days of non-payment, banks may classify the loan as non-performing (takipteki kredi) and initiate legal 'tahsilat'. This can lead to property auction (ipoteğin paraya çevrilmesi) to recover the debt.

Via e-Devlet, banks, or registered mail.

Foreign owners can monitor 'tahsilat' notices through:

1. **e-Devlet**: Turkey’s online portal (e-devlet.gov.tr) shows tax debts, utility bills, and legal notices. Requires a Turkish ID (yabancı kimlik numarası).

2. **Banks**: Online banking displays linked bills (faturalar) and automatic 'tahsilat' statuses.

3. **Registered Mail**: Official notices (tebligat) are sent to the property’s registered address. Hiring a local representative ensures timely receipt.

Prompt payments are expected; delays may harm relationships.

In Turkey, timely payments are culturally valued. Delays in 'tahsilat' (e.g., late maintenance fees) may strain relationships with neighbors, management companies, or service providers. Foreigners might face indirect pressure, like reduced cooperation, if debts pile up.

During religious holidays (e.g., Ramadan, Eid), some creditors may temporarily pause collection efforts, but deadlines still apply. Proactively communicating payment issues is often appreciated.

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