{"id":46936,"date":"2026-11-11T06:30:48","date_gmt":"2026-11-11T06:30:48","guid":{"rendered":"https:\/\/trupropertyturkey.com\/haciz-seizure-annotation-turkish-title-deed\/"},"modified":"2026-11-11T06:30:48","modified_gmt":"2026-11-11T06:30:48","slug":"haciz-seizure-annotation-turkish-title-deed","status":"publish","type":"post","link":"https:\/\/trupropertyturkey.com\/fa\/haciz-seizure-annotation-turkish-title-deed\/","title":{"rendered":"Haciz: What a Seizure Annotation on a Turkish Title Deed Means"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46936\" class=\"elementor elementor-46936 elementor-bc-flex-widget\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-hcz1a1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"hcz1a1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container 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*\/\n.hcz-contact{background:#3d001e;padding:60px 0}\n.hcz-contact-inner{display:grid;grid-template-columns:1fr 1.4fr;gap:52px;align-items:start}\n.hcz-contact-meta{display:flex;flex-direction:column;gap:14px;margin-top:20px}\n.hcz-ci{display:flex;gap:12px;align-items:flex-start}\n.hcz-ci span:first-child{font-size:1.1rem;flex-shrink:0;margin-top:2px}\n.hcz-ci-text{font-size:.86rem;color:rgba(255,255,255,.7)!important;line-height:1.5}\n.hcz-ci a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.hcz-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.hcz-footer-strip{background:#660033;color:rgba(255,255,255,.8)!important;text-align:center;padding:14px 20px;font-size:.75rem;line-height:1.6}\n.hcz-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .hcz-strip-in{grid-template-columns:repeat(2,1fr)}\n  .hcz-protect{grid-template-columns:1fr 1fr}\n  .hcz-2col{grid-template-columns:1fr;gap:36px}\n  .hcz-contact-inner{grid-template-columns:1fr;gap:36px}\n  .hcz-cta-in{flex-direction:column;text-align:center}\n}\n@media(max-width:640px){\n  .hczc{padding:0 16px}\n  .hczs{padding:44px 0}\n  .hcz-hero{min-height:auto}\n  .hcz-hero-content{padding:48px 16px 56px}\n  .hcz-hero h1{font-size:clamp(1.75rem,7.5vw,2.5rem)}\n  .hcz-protect{grid-template-columns:1fr;gap:12px}\n  .hcz-strip-in{grid-template-columns:repeat(2,1fr)}\n  .hcz-title{font-size:clamp(1.4rem,6vw,1.85rem)}\n  .hcz-step{gap:14px}\n  .hcz-step-num{width:44px;height:44px;font-size:1rem}\n  .hcz-steps::before{left:21px}\n  .hcz-contact{padding:48px 0}\n}\n@media(max-width:480px){.hczc{padding:0 14px}}\n<\/style>\n\n<div class=\"hcz\">\n\n<!-- HERO -->\n<section class=\"hcz-hero\">\n  <div class=\"hcz-hero-bg\"><\/div>\n  <div class=\"hcz-hero-pat\"><\/div>\n  <div class=\"hcz-hero-ov\"><\/div>\n  <div class=\"hcz-hero-content\">\n    <span class=\"hcz-eyebrow\">Title Deed Due Diligence &middot; Foreign Buyer Guide &middot; Updated November 2026<\/span>\n    <h1>Haciz: What a Seizure Annotation on a Turkish Title Deed Means<\/h1>\n    <p class=\"hcz-hero-sub\">A <em>haciz<\/em> is a creditor&rsquo;s attachment, recorded against the property itself rather than against the person who owes the money. It does not stop the owner selling &mdash; which is exactly why it catches foreign buyers. Here is how it gets onto the register, what it does once it is there, and how to read it before you sign.<\/p>\n    <div class=\"hcz-hero-meta\">\n      <div class=\"hcz-hm\">&#128220; <strong>Recorded in the &scaron;erhler column<\/strong><\/div>\n      <div class=\"hcz-hm\">&#9878;&#65039; <strong>Enforcement &amp; Bankruptcy Law No. 2004<\/strong><\/div>\n      <div class=\"hcz-hm\">&#127481;&#127479; <strong>Written for non-resident buyers<\/strong><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- DATA STRIP -->\n<div class=\"hcz-strip\">\n  <div class=\"hczc\">\n    <div class=\"hcz-strip-in\">\n      <div class=\"hcz-si\"><span class=\"hcz-sv\">TMK 1010<\/span><span class=\"hcz-sl\">Haciz Registered As An Annotation<\/span><\/div>\n      <div class=\"hcz-si\"><span class=\"hcz-sv\">1 Year<\/span><span class=\"hcz-sl\">To Request Sale After Attachment<\/span><\/div>\n      <div class=\"hcz-si\"><span class=\"hcz-sv\">3 Months<\/span><span class=\"hcz-sl\">From Sale Request To Auction<\/span><\/div>\n      <div class=\"hcz-si\"><span class=\"hcz-sv\">7 Days<\/span><span class=\"hcz-sl\">To Challenge A Completed Auction<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- INTRO + QUICK FACTS -->\n<section class=\"hczs\">\n  <div class=\"hczc\">\n    <div class=\"hcz-2col\">\n      <div class=\"hcz-body\">\n        <span class=\"hczt\">The Short Version<\/span>\n        <h2 class=\"hcz-title\">An attachment, not a debt you can ignore<\/h2>\n        \n        <p>Most of the entries a foreign buyer meets on a Turkish title deed record something the owner <strong>agreed<\/strong> to: a mortgage they signed, a right of way they granted, a usufruct they reserved. A <strong>haciz<\/strong> is the opposite. It is placed on the property because a creditor went to an enforcement office and asked for it, and the owner&rsquo;s consent is not part of the process.<\/p>\n        <p>The mechanism is set out in the Enforcement and Bankruptcy Law (<em>&Icirc;cra ve &Icirc;flas Kanunu<\/em>, Law No. 2004). Under article 91 of that law, when an immovable is attached the owner&rsquo;s power of disposal is restricted, and the enforcement office (<em>icra dairesi<\/em>) notifies the land registry of the attachment, the amount it was made for, and the creditor&rsquo;s name and service address. The registry then writes it into the register.<\/p>\n        <p>Where it is written matters. Article 1008 of the Turkish Civil Code (Law No. 4721) lists the rights that are <em>registered<\/em> &mdash; ownership, easements and property charges, and pledge rights. A haciz is not one of them. It goes in instead as a <strong>&scaron;erh<\/strong>, an annotation, under article 1010, which covers restrictions on the power of disposal arising from court decisions protecting disputed rights, from <strong>attachment, a bankruptcy decision or a moratorium granted under a composition<\/strong>, and from a handful of other situations the law specifically provides for.<\/p>\n        <p>That same article contains the sentence that should concentrate a buyer&rsquo;s mind. Restrictions on the power of disposal, once annotated, <strong>can be asserted against the holders of rights acquired over the property afterwards<\/strong>. You are the holder of a right acquired afterwards. For the wider picture of what else can be sitting in that column, see our guide to <a href=\"https:\/\/trupropertyturkey.com\/takyidat-encumbrance-check-turkey\/\">reading the encumbrances on a Turkish title deed<\/a>.<\/p>\n        <div class=\"hcz-hbox\"><strong>The one-line version.<\/strong> A haciz does not prevent a sale. It survives one. If you buy a property carrying a live attachment, the creditor&rsquo;s claim against that property does not evaporate because the name on the deed changed &mdash; and the enforcement file can still end in an auction.<\/div>\n        <p>This is also why the annotation is not something to negotiate around informally. Sellers will sometimes explain a haciz as &ldquo;a small tax matter&rdquo; or &ldquo;an old dispute, already settled&rdquo;. It may well be. But &ldquo;settled&rdquo; and &ldquo;removed from the register&rdquo; are two different states, and only the second one protects you.<\/p>\n    \n      <\/div>\n      <div class=\"hcz-ov\">\n        <div class=\"hcz-ov-head\">\n          <h3>Haciz at a glance<\/h3>\n          <p>Statutory basis, from the Civil Code and Law No. 2004<\/p>\n        <\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Turkish term<\/span><span class=\"hcz-or burg\">Haciz<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">On the deed as<\/span><span class=\"hcz-or\">Haciz &scaron;erhi<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Governing law<\/span><span class=\"hcz-or\">Law No. 2004<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Register column<\/span><span class=\"hcz-or\">&Scaron;erhler (annotations)<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Basis for annotating<\/span><span class=\"hcz-or\">Civil Code art. 1010<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Who places it<\/span><span class=\"hcz-or\">The <em>icra dairesi<\/em><\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Owner&rsquo;s consent needed<\/span><span class=\"hcz-or\">No<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Effect on the owner<\/span><span class=\"hcz-or\">Disposal restricted<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Blocks a sale outright<\/span><span class=\"hcz-or\">No<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Binds a later buyer<\/span><span class=\"hcz-or burg\">Yes<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Covers rent and income<\/span><span class=\"hcz-or\">Yes (art. 92)<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Request sale within<\/span><span class=\"hcz-or\">1 year (art. 106)<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">If no sale requested<\/span><span class=\"hcz-or\">Attachment lapses<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Auction within<\/span><span class=\"hcz-or\">3 months (art. 123)<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Auction opens at<\/span><span class=\"hcz-or\">50% of appraised value<\/span><\/div>\n    <div class=\"hcz-ov-row\"><span class=\"hcz-ol\">Challenge window<\/span><span class=\"hcz-or\">7 days (art. 134)<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- STEPS -->\n<section class=\"hczs hczg\">\n  <div class=\"hczc hczct\">\n    <span class=\"hczt\">How It Happens<\/span>\n    <h2 class=\"hcz-title\">How a haciz reaches the title deed<\/h2>\n    <p class=\"hcz-sub\">Six stages, each with its own paper trail. Knowing which stage a property is at tells you how much time there is, and how much leverage.<\/p>\n  <\/div>\n  <div class=\"hczc\">\n    <div class=\"hcz-steps\">\n      <div class=\"hcz-step\"><div class=\"hcz-step-num\">1<\/div><div class=\"hcz-step-body\"><h3>The creditor opens enforcement proceedings<\/h3><p>A creditor with an unpaid money claim applies to an enforcement office. This can be a bank, a contractor, a supplier, a former spouse, a tax office or a management company chasing unpaid building charges. Nothing appears on the title deed at this point, which is why a clean-looking register is a snapshot rather than a guarantee.<\/p><\/div><\/div>\n      <div class=\"hcz-step\"><div class=\"hcz-step-num\">2<\/div><div class=\"hcz-step-body\"><h3>A payment order is served and the file becomes final<\/h3><p>The debtor is served with a payment order and has a window in which to pay or object. If they do neither &mdash; which is common when the debtor has moved, or is abroad &mdash; the proceedings become final and the creditor can move to the next stage without a court hearing.<\/p><\/div><\/div>\n      <div class=\"hcz-step\"><div class=\"hcz-step-num\">3<\/div><div class=\"hcz-step-body\"><h3>The creditor asks for the property to be attached<\/h3><p>Attachment is requested against specific assets. Immovable property is an attractive target precisely because it cannot be hidden or moved, and because the land registry gives the creditor a reliable public record of the claim.<\/p><\/div><\/div>\n      <div class=\"hcz-step\"><div class=\"hcz-step-num\">4<\/div><div class=\"hcz-step-body\"><h3>The enforcement office notifies the land registry<\/h3><p>Under article 91 of Law No. 2004, the enforcement office informs the land registry of the attachment, the amount it secures, and the creditor&rsquo;s name and an address for service. If further creditors join the attachment, or if the attachment is lifted, those changes are reported to the registry as well.<\/p><\/div><\/div>\n      <div class=\"hcz-step\"><div class=\"hcz-step-num\">5<\/div><div class=\"hcz-step-body\"><h3>The annotation appears, and the clock starts<\/h3><p>The haciz is written into the annotations column, where anyone running a proper title check can see it. Under article 106, the creditor or the debtor may request a sale within one year of the attachment, and the valuation and sale costs must be paid up front at the moment the request is made.<\/p><\/div><\/div>\n      <div class=\"hcz-step\"><div class=\"hcz-step-num\">6<\/div><div class=\"hcz-step-body\"><h3>Sale, or expiry<\/h3><p>If a sale is requested, article 123 requires the enforcement office to sell the immovable by public auction within three months. If no sale is requested within the statutory period, article 110 provides that the attachment on that asset lapses &mdash; and for assets on an official register, the annotation is then deleted and the enforcement office informed.<\/p><\/div><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CARDS -->\n<section class=\"hczs\">\n  <div class=\"hczc hczct\">\n    <span class=\"hczt\">What It Actually Does<\/span>\n    <h2 class=\"hcz-title\">Six things a haciz does that buyers underestimate<\/h2>\n    <p class=\"hcz-sub\">The annotation is one line of text. Its consequences are considerably longer than one line.<\/p>\n  <\/div>\n  <div class=\"hczc\">\n    <div class=\"hcz-protect\">\n      <div class=\"hcz-pc\"><span class=\"hcz-pc-icon\">&#128220;<\/span><h3>It is an annotation, not a registered right<\/h3><p>It sits in the &scaron;erhler column under Civil Code article 1010, alongside court decisions protecting disputed rights and bankruptcy decisions. That is a different legal category from a mortgage, and it behaves differently.<\/p><\/div>\n      <div class=\"hcz-pc\"><span class=\"hcz-pc-icon\">&#127968;<\/span><h3>It travels with the property<\/h3><p>Article 1010 of the Civil Code makes a disposal restriction assertable against anyone who acquires a right in the property after it was annotated. Law No. 2004 also deals expressly with an attached immovable changing hands.<\/p><\/div>\n      <div class=\"hcz-pc\"><span class=\"hcz-pc-icon\">&#128176;<\/span><h3>It reaches the rent as well<\/h3><p>Under article 92, attaching an immovable extends to its revenues and benefits. The enforcement office informs tenants, and can order them to pay the rent to the enforcement office instead of to the owner.<\/p><\/div>\n      <div class=\"hcz-pc\"><span class=\"hcz-pc-icon\">&#127974;<\/span><h3>Mortgage holders keep their priority<\/h3><p>Article 92 is explicit that the attachment does not prejudice the rights of creditors to whom the property has been mortgaged. A haciz does not jump the queue ahead of a registered &#305;potek; it joins behind it.<\/p><\/div>\n      <div class=\"hcz-pc\"><span class=\"hcz-pc-icon\">&#8987;<\/span><h3>It can expire &mdash; but do not count on it<\/h3><p>Article 110 lifts the attachment if the sale is not requested in time, and the creditor who let it lapse bears the costs. Creditors who are paying attention simply request the sale, so treat expiry as a possibility rather than a plan.<\/p><\/div>\n      <div class=\"hcz-pc\"><span class=\"hcz-pc-icon\">&#9878;&#65039;<\/span><h3>A provisional attachment is a different animal<\/h3><p>An <em>ihtiyati haciz<\/em> is a precautionary attachment ordered by a court under article 257, available for an unsecured money claim. A creditor holding only a provisional attachment cannot request a sale.<\/p><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- COMPARISON -->\n<section class=\"hczs hczg\">\n  <div class=\"hczc hczct\">\n    <span class=\"hczt\">Side By Side<\/span>\n    <h2 class=\"hcz-title\">Haciz, ihtiyati haciz and ipotek compared<\/h2>\n    <p class=\"hcz-sub\">Three entries that all signal &lsquo;someone else has a financial claim here&rsquo;, and that behave very differently once you are the owner.<\/p>\n  <\/div>\n  <div class=\"hczc\">\n    <div class=\"hcz-compare-wrap\">\n      <table class=\"hcz-compare\">\n        <thead><tr><th><\/th><th>Haciz<\/th><th>&Icirc;htiyati haciz<\/th><th>&Icirc;potek<\/th><\/tr><\/thead>\n        <tbody>\n        <tr><td>How it arises<\/td><td>Enforcement proceedings<\/td><td>Court order<\/td><td>Agreement between the parties<\/td><\/tr>\n        <tr><td>Owner has to consent<\/td><td><span class=\"no\">No<\/span><\/td><td><span class=\"no\">No<\/span><\/td><td><span class=\"yes\">Yes<\/span><\/td><\/tr>\n        <tr><td>A court decision is required<\/td><td><span class=\"no\">No &mdash; the enforcement office acts<\/span><\/td><td><span class=\"yes\">Yes<\/span><\/td><td><span class=\"no\">No<\/span><\/td><\/tr>\n        <tr><td>Appears on the title deed<\/td><td><span class=\"yes\">Yes, as an annotation<\/span><\/td><td><span class=\"yes\">Yes, as an annotation<\/span><\/td><td><span class=\"yes\">Yes, as a registered right<\/span><\/td><\/tr>\n        <tr><td>Secures a fixed, agreed sum<\/td><td><span class=\"no\">No &mdash; the amount owed<\/span><\/td><td><span class=\"no\">No<\/span><\/td><td><span class=\"yes\">Yes, at a stated rank<\/span><\/td><\/tr>\n        <tr><td>Creditor can force a sale<\/td><td><span class=\"yes\">Yes<\/span><\/td><td><span class=\"no\">No (art. 108)<\/span><\/td><td><span class=\"yes\">Yes<\/span><\/td><\/tr>\n        <tr><td>Lapses if sale not requested in time<\/td><td><span class=\"yes\">Yes (art. 110)<\/span><\/td><td>&mdash;<\/td><td><span class=\"no\">No<\/span><\/td><\/tr>\n        <tr><td>Survives a transfer of ownership<\/td><td><span class=\"yes\">Yes<\/span><\/td><td><span class=\"yes\">Yes<\/span><\/td><td><span class=\"yes\">Yes<\/span><\/td><\/tr>\n        <tr><td>Typical source<\/td><td>Unpaid bank debt, tax, building charges, judgments<\/td><td>A claim a creditor fears will go unpaid<\/td><td>A bank loan or a seller&rsquo;s deferred payment<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- DETAIL -->\n<section class=\"hczs\">\n  <div class=\"hczc\">\n    <div class=\"hcz-body\" style=\"max-width:820px;margin:0 auto;\">\n      <span class=\"hczt\">If You Are Buying<\/span>\n      <h2 class=\"hcz-title\">Buying a property that has a haciz on it<\/h2>\n      \n        <p>There is nothing inherently reckless about buying a property with an attachment on it. Turkish practice does it routinely: the purchase price, or part of it, is used to clear the underlying debt, the creditor withdraws, the annotation comes off, and the transfer completes. What makes it dangerous is doing it in the wrong order, or on trust.<\/p>\n        <h3 style=\"font-size:1.05rem;margin:28px 0 10px;\">Get the sequence right<\/h3>\n        <p>The sequence that protects a buyer is: establish exactly which creditors are behind the annotation and what each is owed; have the funds that will clear those debts paid in a way that is verifiable and conditional; obtain the enforcement office&rsquo;s confirmation that the file is closed; see the annotation actually deleted from the register; and only then transfer the title. A promise to deal with the haciz &ldquo;immediately after&rdquo; the transfer is not a sequence, it is a hope.<\/p>\n        <p>Turkey&rsquo;s purchase process now gives you a structural ally here. Purchase funds moving through the <a href=\"https:\/\/trupropertyturkey.com\/escrow-account-in-turkey\/\">secure payment system<\/a> rather than directly to a seller make conditional settlement far easier to arrange, because the money is not released on the seller&rsquo;s say-so. Our guide to the <a href=\"https:\/\/trupropertyturkey.com\/buying-property-in-turkey-pitfalls\/\">pitfalls foreign buyers still fall into<\/a> covers how that process fits around the rest of the transaction.<\/p>\n        <h3 style=\"font-size:1.05rem;margin:28px 0 10px;\">One haciz is rarely the whole picture<\/h3>\n        <p>Attachments attract company. Article 100 and the surrounding provisions of Law No. 2004 allow other creditors to join an existing attachment, and article 91 requires the registry to be told when they do. A property that has been in enforcement for a while may carry several, from different creditors, in different amounts, at different stages. Clearing the one you were told about is not the same as clearing the file.<\/p>\n        <p>The same applies to the interaction with mortgages. Because article 92 preserves the priority of mortgage creditors, a property can perfectly well carry both a mortgage and an attachment, with the mortgage ranking first. Work out the total of everything secured against the property, not the headline figure on the annotation you happened to be shown.<\/p>\n        <h3 style=\"font-size:1.05rem;margin:28px 0 10px;\">If it goes to auction<\/h3>\n        <p>Enforcement auctions in Turkey are run on an electronic sale portal. Under article 115 of Law No. 2004, bidding opens at fifty per cent of the appraised value, and for the property to be knocked down the winning bid must exceed whichever is higher &mdash; that fifty per cent figure, or the total of the claims secured on the asset that rank ahead of the creditor requesting the sale &mdash; plus the costs of liquidation and distribution. The enforcement officer draws up a result record on the first working day after bidding closes and publishes it on the portal.<\/p>\n        <p>Two consequences matter to anyone tempted by an auction property. First, under article 125 the terms of sale state that the immovable is sold <strong>together with<\/strong> the easements, property charges, mortgages and mortgage debt instruments on it &mdash; buying at auction does not automatically wipe the register clean. Second, under article 130 the successful bidder must pay the price in cash within seven days of the result record being published, even if an application to set the auction aside has been made. Our note on <a href=\"https:\/\/trupropertyturkey.com\/buying-property-at-auction-in-turkey\/\">buying property at auction in Turkey<\/a> goes further into that route.<\/p>\n        <p>Article 134 provides that the buyer to whom the enforcement office awards the immovable acquires ownership of it, and that an application to set the auction aside must be made to the enforcement court within seven days of the auction date. The law restricts who may make that application &mdash; broadly the creditor who requested the sale, the debtor, those recorded in the official register, holders of limited rights in rem, and those who took part in the bidding &mdash; and a 2025 amendment to article 134 provides that where someone outside those categories applies, the court rejects the application on the file and finally.<\/p>\n        <h3 style=\"font-size:1.05rem;margin:28px 0 10px;\">Checking before you commit<\/h3>\n        <p>Annotations are only visible to someone who actually looks. Turkey&rsquo;s land registry is maintained centrally, and the <a href=\"https:\/\/trupropertyturkey.com\/web-tapu-turkey-online-land-registry\/\">Web Tapu<\/a> platform and the <a href=\"https:\/\/trupropertyturkey.com\/takbis-turkey-land-registry-system\/\">TAKB&#304;S<\/a> system behind it mean an authoritative extract can be obtained quickly. The practical problem is not availability, it is timing: a check run three weeks before signing tells you about the register three weeks ago. Run it again, immediately before the transfer.<\/p>\n        <div class=\"hcz-warn\"><strong>Address matters more than foreign buyers expect.<\/strong> Article 148\/a of Law No. 2004 requires the parties to a mortgage agreement, anyone who later buys a mortgaged property, and their successors, to give the land registry a service address inside Turkey &mdash; otherwise the registration request is refused. Change of address only takes effect when notified, and if a new address is not given, notices are treated as served when they reached the old one. A buyer who lives abroad and never updates that address can find enforcement steps have run their course without them hearing a word.<\/div>\n        <p>And read the rest of the register while you are there. An attachment often sits alongside a mortgage, and because article 92 preserves the mortgagee&rsquo;s priority the two interact; our companion guide to <a href=\"https:\/\/trupropertyturkey.com\/ipotek-mortgage-lien-turkish-title-deed\/\">how an ipotek works on a Turkish title deed<\/a> covers ranking and redemption in detail.<\/p>\n        <p>Finally, do not rely on the seller&rsquo;s copy of the deed. A paper title deed shows a position at the moment it was issued; the register is the thing that is legally current. If you are buying through a representative, make sure the <a href=\"https:\/\/trupropertyturkey.com\/power-of-attorney-turkey-property\/\">power of attorney<\/a> you grant does not allow a transfer to complete without the annotation position being verified first.<\/p>\n        <div class=\"hcz-warn\"><strong>A note on advice.<\/strong> This guide sets out the mechanism and the sequence; it is general information rather than legal advice for your circumstances. Enforcement files turn on their own facts, and specific figures &mdash; fees, taxes, costs, deposits &mdash; change, and should be confirmed against current official sources or a licensed Turkish adviser at the time you transact.<\/div>\n    \n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CTA -->\n<div class=\"hcz-cta-strip\">\n  <div class=\"hczc\">\n    <div class=\"hcz-cta-in\">\n      <div>\n        <h3>Found a haciz on a property you are buying?<\/h3>\n        <p>We will establish what it secures, who is behind it and whether it can be cleared before completion.<\/p>\n      <\/div>\n      <a href=\"https:\/\/trupropertyturkey.com\/contact\/\" class=\"hczbtn\">Request a Title Check &rarr;<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- FAQ -->\n<section class=\"hczs\">\n  <div class=\"hczc hczct\">\n    <span class=\"hczt\">Questions<\/span>\n    <h2 class=\"hcz-title\">Haciz: frequently asked questions<\/h2>\n    <p class=\"hcz-sub\">The questions foreign buyers ask once they see the word on a title deed extract.<\/p>\n  <\/div>\n  <div class=\"hczc\">\n    <div class=\"hcz-faq-list\">\n      <div class=\"hcz-faq-item\"><div class=\"hcz-faq-q\" onclick=\"hczFaq(this)\">What does haciz mean on a Turkish title deed?<span class=\"hcz-faq-icon\">+<\/span><\/div><div class=\"hcz-faq-a\">Haciz is an attachment placed on an asset by an enforcement office on behalf of a creditor who is owed money. On an immovable it is recorded in the annotations column of the land register rather than as a registered right, under article 1010 of the Turkish Civil Code, which covers restrictions on the power of disposal arising from attachment, a bankruptcy decision or a moratorium. Article 91 of the Enforcement and Bankruptcy Law requires the enforcement office to notify the land registry of the attachment, the amount it was made for, and the creditor's name and service address. Unlike a mortgage, it is not something the owner agreed to.<\/div><\/div>\n      <div class=\"hcz-faq-item\"><div class=\"hcz-faq-q\" onclick=\"hczFaq(this)\">Can a property with a haciz on it still be sold?<span class=\"hcz-faq-icon\">+<\/span><\/div><div class=\"hcz-faq-a\">Yes, and that is precisely the trap. Attachment restricts the owner's power of disposal, but it does not make a sale impossible, and Turkish practice regularly clears attachments out of the purchase price. The danger is the order of events. Article 1010 of the Civil Code provides that an annotated restriction on the power of disposal can be asserted against the holders of rights acquired in the property afterwards, so a buyer who completes while the annotation is live takes the property with the creditor's claim still attached to it.<\/div><\/div>\n      <div class=\"hcz-faq-item\"><div class=\"hcz-faq-q\" onclick=\"hczFaq(this)\">Will the haciz disappear once I become the owner?<span class=\"hcz-faq-icon\">+<\/span><\/div><div class=\"hcz-faq-a\">No. Changing the name on the title deed does not discharge the debt the attachment secures, and the enforcement file continues. The annotation comes off when the underlying position is resolved and the registry is instructed accordingly, or when it lapses under article 110 of the Enforcement and Bankruptcy Law because no sale was requested within the statutory period. The safe approach is to see the annotation actually deleted from the register before the transfer completes, rather than to accept an undertaking to deal with it afterwards.<\/div><\/div>\n      <div class=\"hcz-faq-item\"><div class=\"hcz-faq-q\" onclick=\"hczFaq(this)\">Does a haciz affect the rent from the property?<span class=\"hcz-faq-icon\">+<\/span><\/div><div class=\"hcz-faq-a\">Yes. Under article 92 of the Enforcement and Bankruptcy Law, attaching an immovable extends to its revenues and benefits. The enforcement office notifies both the mortgage creditors and the tenants, and among the measures it can take to administer the property it can order a tenant to pay the accruing rent to the enforcement office rather than to the owner. For an investor buying a tenanted property, that means the income stream can be diverted while the file is open.<\/div><\/div>\n      <div class=\"hcz-faq-item\"><div class=\"hcz-faq-q\" onclick=\"hczFaq(this)\">How do I check whether a Turkish property has a haciz?<span class=\"hcz-faq-icon\">+<\/span><\/div><div class=\"hcz-faq-a\">By obtaining a current extract from the land register rather than relying on the seller's paper title deed, which only shows the position when it was issued. Turkey's register is held centrally in the TAKBIS system and extracts are available through the Web Tapu platform, so an authoritative check is quick to run. The important discipline is timing: an attachment can be registered at any point, so the check should be repeated immediately before the transfer, not only at the start of the process.<\/div><\/div>\n      <div class=\"hcz-faq-item\"><div class=\"hcz-faq-q\" onclick=\"hczFaq(this)\">How long does a haciz stay on the title deed?<span class=\"hcz-faq-icon\">+<\/span><\/div><div class=\"hcz-faq-a\">For as long as the enforcement file needs it. Under article 106 of the Enforcement and Bankruptcy Law, the creditor or the debtor may request a sale within one year of the attachment, and the valuation and sale costs must be paid in advance with that request. If a sale is requested, article 123 requires the immovable to be sold at public auction within three months. If no sale is requested within the statutory period, article 110 provides that the attachment lapses, the annotation is deleted for assets held on an official register, and the creditor responsible bears the costs.<\/div><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- KEEP READING -->\n<section class=\"hczs hczg\">\n  <div class=\"hczc hczct\">\n    <span class=\"hczt\">Keep Reading<\/span>\n    <h2 class=\"hcz-title\">Where to go next<\/h2>\n    <p class=\"hcz-sub\">The rest of the title deed library, and the wider purchase process.<\/p>\n  <\/div>\n  <div class=\"hczc\">\n    <div class=\"hcz-body\" style=\"max-width:820px;margin:0 auto;\">\n      <ul>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/ipotek-mortgage-lien-turkish-title-deed\/\">&#304;potek: mortgage liens on a title deed<\/a> &mdash; the consented counterpart to an attachment, and how ranking works.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/takyidat-encumbrance-check-turkey\/\">Takyidat: reading the encumbrances on a title deed<\/a> &mdash; every annotation, restriction and charge, and what each one means.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/tapu-title-deed-turkey\/\">The tapu: Turkey&rsquo;s title deed explained<\/a> &mdash; how the deed is structured and what each field records.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/web-tapu-turkey-online-land-registry\/\">Web Tapu<\/a> &mdash; obtaining an authoritative register extract online.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/mortgage-in-turkey-for-foreigners\/\">Mortgages in Turkey for foreigners<\/a> &mdash; how borrowing against Turkish property works in practice.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/buying-a-secondhand-property-in-turkey\/\">Buying a resale property in Turkey<\/a> &mdash; the checks that matter when the seller is a private owner.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/lawyer-to-buy-property-in-turkey\/\">Using a lawyer to buy property in Turkey<\/a> &mdash; what independent legal representation should cover.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/buyer-guide\/\">Turkey property buyer&rsquo;s guide<\/a> &mdash; the complete purchase walk-through for foreign buyers.<\/li>\n        <li><a href=\"https:\/\/trupropertyturkey.com\/legal-services\/\">Legal services<\/a> &mdash; title deed work, due diligence and power of attorney.<\/li>\n      <\/ul>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CONTACT -->\n<section class=\"hcz-contact\" id=\"hcz-contact\">\n  <div class=\"hczc\">\n    <div class=\"hcz-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Buy With Confidence<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Have the register checked before you commit<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">Tell us the property you are considering and we will pull a current register extract and read the annotations column properly &mdash; attachments, mortgages, family residence notes and the rest &mdash; before anything is signed. We work with licensed Turkish conveyancers, and every transaction settles through the secure payment system.<\/p>\n        <div class=\"hcz-contact-meta\">\n          <div class=\"hcz-ci\"><span>&#128220;<\/span><span class=\"hcz-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Title &amp; Due Diligence<\/strong><a href=\"https:\/\/trupropertyturkey.com\/legal-services\/\">Legal services &rarr;<\/a><\/span><\/div>\n          <div class=\"hcz-ci\"><span>&#127465;&#127472;<\/span><span class=\"hcz-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Citizenship by Investment<\/strong><a href=\"https:\/\/trupropertyturkey.com\/turkish-citizenship\/\">Turkish citizenship programme &rarr;<\/a><\/span><\/div>\n          <div class=\"hcz-ci\"><span>&#127758;<\/span><span class=\"hcz-ci-text\"><strong style=\"color:#fff!important;display:block;margin-bottom:2px;\">Offices<\/strong><span>Dubai &middot; Istanbul &middot; Moscow<\/span><\/span><\/div>\n        <\/div>\n        <div style=\"margin-top:24px;\">\n          <a href=\"https:\/\/trupropertyturkey.com\/contact\/\" class=\"hczbg\">Get in Touch &rarr;<\/a>\n        <\/div>\n      <\/div>\n      <div class=\"hcz-form-wrap\">\n        <iframe aria-label=\"Contact Us\" frameborder=\"0\" style=\"height:520px;width:100%;border:none;display:block;\" data-src=\"https:\/\/forms.zohopublic.com\/elchintru1\/form\/ContactUs\/formperma\/_DensyNXfgDItjE-TsZ92uQERcSIhTnizr-QPf3wrBk\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div class=\"hcz-footer-strip\">\n  &copy; 2026 TruProperty Turkey &middot; Dubai &middot; Istanbul &middot; Moscow<br>\n  <a href=\"https:\/\/trupropertyturkey.com\/buyer-guide\/\">Buyer&rsquo;s Guide<\/a> &middot; <a href=\"https:\/\/trupropertyturkey.com\/turkish-citizenship\/\">Turkish Citizenship<\/a> &middot; <a href=\"https:\/\/trupropertyturkey.com\/contact\/\">Contact<\/a>\n<\/div>\n\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"@id\": \"https:\/\/trupropertyturkey.com\/haciz-seizure-annotation-turkish-title-deed\/#faq\",\n  \"url\": \"https:\/\/trupropertyturkey.com\/haciz-seizure-annotation-turkish-title-deed\/\",\n  \"name\": \"Haciz on a Turkish Title Deed \u2014 Frequently Asked Questions\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What does haciz mean on a Turkish title deed?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Haciz is an attachment placed on an asset by an enforcement office on behalf of a creditor who is owed money. On an immovable it is recorded in the annotations column of the land register rather than as a registered right, under article 1010 of the Turkish Civil Code, which covers restrictions on the power of disposal arising from attachment, a bankruptcy decision or a moratorium. Article 91 of the Enforcement and Bankruptcy Law requires the enforcement office to notify the land registry of the attachment, the amount it was made for, and the creditor's name and service address. Unlike a mortgage, it is not something the owner agreed to.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can a property with a haciz on it still be sold?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, and that is precisely the trap. Attachment restricts the owner's power of disposal, but it does not make a sale impossible, and Turkish practice regularly clears attachments out of the purchase price. The danger is the order of events. Article 1010 of the Civil Code provides that an annotated restriction on the power of disposal can be asserted against the holders of rights acquired in the property afterwards, so a buyer who completes while the annotation is live takes the property with the creditor's claim still attached to it.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Will the haciz disappear once I become the owner?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. Changing the name on the title deed does not discharge the debt the attachment secures, and the enforcement file continues. The annotation comes off when the underlying position is resolved and the registry is instructed accordingly, or when it lapses under article 110 of the Enforcement and Bankruptcy Law because no sale was requested within the statutory period. The safe approach is to see the annotation actually deleted from the register before the transfer completes, rather than to accept an undertaking to deal with it afterwards.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does a haciz affect the rent from the property?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes. Under article 92 of the Enforcement and Bankruptcy Law, attaching an immovable extends to its revenues and benefits. The enforcement office notifies both the mortgage creditors and the tenants, and among the measures it can take to administer the property it can order a tenant to pay the accruing rent to the enforcement office rather than to the owner. For an investor buying a tenanted property, that means the income stream can be diverted while the file is open.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do I check whether a Turkish property has a haciz?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"By obtaining a current extract from the land register rather than relying on the seller's paper title deed, which only shows the position when it was issued. Turkey's register is held centrally in the TAKBIS system and extracts are available through the Web Tapu platform, so an authoritative check is quick to run. The important discipline is timing: an attachment can be registered at any point, so the check should be repeated immediately before the transfer, not only at the start of the process.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How long does a haciz stay on the title deed?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"For as long as the enforcement file needs it. Under article 106 of the Enforcement and Bankruptcy Law, the creditor or the debtor may request a sale within one year of the attachment, and the valuation and sale costs must be paid in advance with that request. If a sale is requested, article 123 requires the immovable to be sold at public auction within three months. If no sale is requested within the statutory period, article 110 provides that the attachment lapses, the annotation is deleted for assets held on an official register, and the creditor responsible bears the costs.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<script>\nfunction hczFaq(el){var item=el.parentElement;var wasOpen=item.classList.contains('hcz-open');document.querySelectorAll('.hcz-faq-item.hcz-open').forEach(function(i){i.classList.remove('hcz-open');});if(!wasOpen)item.classList.add('hcz-open');}\n(function(){function init(){var w=document.querySelector('.hcz');if(!w)return;var e=w.parentElement;while(e&&e!==document.documentElement){e.style.setProperty('padding-left','0px','important');e.style.setProperty('padding-right','0px','important');e.style.setProperty('padding-top','0px','important');e.style.setProperty('overflow','visible','important');e.style.setProperty('max-width','none','important');e=e.parentElement;}['.post-header-wrap','.post-thumbnail-wrap'].forEach(function(s){var el=document.querySelector(s);if(el)el.style.setProperty('display','none','important');});document.body.style.setProperty('overflow-x','hidden','important');}document.readyState==='loading'?document.addEventListener('DOMContentLoaded',init):init();})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A haciz is a creditor&#8217;s attachment, recorded against the property rather than the person who owes the money. How it reaches the title deed, what it does once it is there, and why it binds a later buyer.<\/p>","protected":false},"author":3,"featured_media":24589,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[140],"tags":[],"class_list":["post-46936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Haciz: Seizure Annotations on a Turkish Title Deed<\/title>\n<meta name=\"description\" content=\"A haciz is a creditor&#039;s attachment recorded against a Turkish property. 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