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delgan

Buying an Apartment in Bodrum

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@delgan I am not having too much of a problem with Prime as they are very helpful in doing what they can. My problems are with the developers because they are not very communicative. Yourself and myself through forum know more about each other than what I have found out about the developers in the last 6 months. I have been advised by Prime today that Peter has told them that 7/08/10 is the final completion date in fact it should be completed by the end of July/2010.

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@Bhardwaj Our Rep in Bodrum, Antoinette, advised us to pay through the solicitors and I was unsure why, now, after reading your last post, I think I understand better.

Even though I will be transferring the money to them, they will be holding an amount back from Koroglu, until snag list is satisfied, BUT, Koroglu are safe in the knowledge that all monies have been paid, and will endeavour to put right any problems for their last bit of money.

Whereas, if we pay them direct and have stuff that needs doing, there is little or no incentive, financially, to rush and make good.

Bad press for them if they don't rush, as they are going to be showing phase 1 to potential phase 2 buyers, so...I think you will be safe, and your villa will be as perfect as it can be, hopefully!

Is there a way for you to make the final payment to Legal Independence, and have an amount held by for snagging? Koroglu will be happy you have made the payment, L.I. will be happy to have the money in their account earning interest, and you will be happy.

I would not be happy to pay Prime, who are in essence, Estate Agents, and I am not sure if they are able to handle money, apart from their commissions!

I don't know how it stands legally, perhaps someone can enlighten us please.

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Hi Del Thanks for your advice. I have sent an e-mail to my solicitors to advise what I need to do. I don't think the developers are right in asking to be paid off completely before the possession of the villa by myself. Awaiting response from my solicitors.

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Did you get any pictures from Peter? I haven't had anything apart from the plans/drawings for my place, so I can work out size of windows for curtains, and see if I can fit a corner sofa bed in.

Was there any luck with the solicitors, sure getting close for you now!

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@delgan That is precisely what the problem is with these people, not keeping everybody informed. Last set of pictures that I have seen are on the website of The Village Koroglu. I do keep writing to them but they ignore my e-mails and Peter only comes back very briefly demanding balance to be paid.

I have spoken to my solicitor and made her aware what the developers are asking for and she she will be coming back to me after speaking to developers solicitor. She has advised me that I need not part with any more money until completion of the property.

Completion date for my villa has been set for 7/08/10 but I am not booking any flights until they advise that it is ready for me to move into. I have missed some bargain flights because of their dithering.You should have had the dimensions of the rooms when you signed up to buy your flat but if you haven't then you can ask them to give you room dimensions.

I will be glad when its all over so that I can enjoy my place. Peter has been employed by the developers to look after the British people so that there is no language barrier but he is next to useless. How can you trust somebody who does not communicate with you.

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@Bhardwaj Last night I was reading the posts here about banks and which types of accounts to have.

Do you have a bank in turkey already? Peter is going to pay our rent into a Turkish bank account, which we have to open soon, but which one? At the moment, HSBC pay 9,75% interest on one of their accounts, but as I understand the rates are dropping, much like what has happened here I guess.

I am going to look at the banks referred to in some of the other posts, to try and make some kind of informed decision! Ken, aka Ben Densin, refers to Garanti bank and rates them well, and I think they have a branch in London too.

Of course, I will try and find one close to The Village, if possible.

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I have not opened the bank account as yet but HSBC seems like a safe bet as they operate in both countries. The other thing is that you require tax ID in Turkey before the bank account can be opened. I will be able to transfer the balance to my solicitor who can transfer the funds to developers on completion.I do wish that Peter was communicating so that I can plan head and make the buying of villa as smooth as possible. As we are living in UK and buying in Turkey it does not make it easy for us if we have unhelpful developers. As far as the money is concerned it is all sorted out but we have to feel very safe and secure with parting of our money as it can be very difficult to get them to sort out their mistakes afterwards.They may be fine bunch of people but they have done nothing to allay distrust which can only come through communicating - they only have themselves to blame.

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Just to advise since our last post that the solicitor has advised that the balance need not be paid until the completion of the property i.e when we take possession of the property. I am holding back until I am advised by the solicitor to transfer the balance.

My advice to you is to do the same because it can be very problematic after all the cash has been paid.

I am keeping a close watch on the flights to Turkey at present and they appear to be expensive. May be flights to other places than Bodrum could be a better bet.

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Glad to hear that your solicitor is helping you out now, must ease your mind a bit!

How did you get on with the flight search? Was it any better with other airports?I think the new runway at Bodrum is nearly finished, so hopefully next year more flight providers will come on board and make it even cheaper for me and you.

Did you get any pictures sent over?

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Believe me I am an optimist as a person but these people are doing in my nut. I gave not had any response from the developers in any shape or form. Out of frustration I sent an e-mail to my solicitor and followed it up with telephone call. She spoke to the developer and was advised that things are progressing and the developer was critical of Peter's information. I am hoping that the completion is still for 7/08/10 but I can not be sure until I hear from solicitor. Word of advice to you if you want to accept it, having paid about half the money don't pay any more until the title deeds (TAPU) is in your name.

There are so many cases of people losing out serious amount of money and this is why I am telling the developers that the completion to me means when I am in the property and get the title deeds in my name.

I have been looking for flights and there is nothing cheap in August.

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Thanks for the heads up on the new visa Kamal, I didn't know they had changed.

As I understand it, you can be in turkey for a total of 90 days in 180 days, so you could have a fortnight in Turkey every month for six months, if you wanted (could afford the flights more like).

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I am sure that they are getting on with the building but communicating back with the clients is also important. When people don't talk mind starts wondering as to what is happening and starts painting a bleak picture.

I am hoping that it will all go as planned and that we will be very happy, but there are a lot of bad stories out there such as builders taking out bank loans on the property.

You can give power of attorney to your solicitor but my advice to you is that you should be there at the time of completion to check the property and make sure that you get the title deeds (TAPU) transferred to your name even if it is costing a pretty penny.

You are at least working, I am a an early retired person living on occupational pension from BT but assigning the property to my name should not be left to somebody else.

I am looking forward to here from them that phase 1 is all completed and some pictures on the website.

Regarding the visa, one can split up 90 days over six month and can go out to Turkey when the flights are reasonable.

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I would agree with Kamal about POA, if you can, be there yourself. If you do give POA be sure that you are very specific in what they are allowed to do and a time frame, Don't forget you will also need to cancel the POA and get it notorised and keep a copy.

Once you get your Tapu the property is legally yours but you must also get a Habitation Certificate to legally live in it.

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Hi Abi Apart from POA you have also pointed out about TAPU and Habitation Certificate. I am aware of TAPU but would like to know how long it will take take to get it when I am there in Turkey. I am thinking that my solicitor will see to it before funds are transferred to the developers.I have not heard about Habitation Certificate until you mentioned it. Perhaps you can tell us more on this as well as TAPU. I am just trying to be very cautious in my approach to buying this villa.

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A Habitation Certificate will only be issued if the property has been inspected by the council and that all taxes and insurances have been paid by the builder. If all has been paid and the council confirm that the property conforms you should get a HC as the Tapu will have the "Kat Mulkiyeti" box ticked.

A HC means that the property is legal for habitation and you will therefore be able to get connected to the main services such as gas, electric, water and sewage and have all meters in your name. Until the Kat Mulkiyeti box has been ticked, it is my understanding that you will be paying for essential services at the "builders rate" which is a lot higher in some cases than you will pay when everything is in your name.

I have to say I am rather worried about the lawyer you are using. If your lawyer was anyway half decent he would have taken you through the buying process and explained each step of the way as it is all important stuff to know and that is what you are paying him for. I suspect, though maybe wrong, that you are using a lawyer recommended by the company you are buying from, and from various things I have read they never have your interest at heart and should never be used.

As I am not a lawyer if anyone spots a mistake that I have made in this post, please correct me. Also if I have missed some out can you please add?

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You are absolutely correct, the lawyer was recommended by the agents in UK and I would have to say that other than signing the contract and getting money for military clearance she has not advised any more as yet.

You seem to have a lot of knowledge on the subject of buying the property in Turkey and I am trying to be as careful as I can be because other than couple of holidays that I had in Turkey, I know very little.

I will take this up with my solicitor to get more information.

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I was taken to Legal Independence by the Cornhill rep, after she explained to me about not using the building co's solicitor, so as far as I know they are using someone different, which would be the case for you Kamal as you also are with LI.

Abi, Is there a way for us to check which solicitor they are using? I will check my contract and see if it is on there.

I will also get David Morris, my UK Cornhill rep, on the case as soon as possible, he has proved invaluable on the comms front.

On a happier note, for me that is, just had confirmation my remortgage has completed.

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Thank you Kamal, I wish I knew more about it all but my knowledge has come through reading up on buying property in Turkey and also from reading stories written by people in the ways that they have been ripped off and also from people that have done everything possible to protect themselves but still got ripped off, which was mainly due to bad lawyers and agents handling the sale and of course dodgy builders. I do have to say a lot of people have gone through the process with no problems at all unfortunately, you always hear more about bad things happening than good.

Delgan, if the name of your lawyer over here is not on any of your paperwork the only thing you can do is ask. If you manage to get the name of the Turkish lawyer and really there should be no reason why they shouldn't we can check to see if they name is registered and also do a name search on the internet to see if their name or firm comes up with anything. If they don't give you the name I would have to wonder why.

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I have been advised of who my lawyer is and I have spoken to her and had responses to my e-mails. All I would say to you Del that as long as you are holding the money you will be listened to by all concerned. If you are paying for the services of the solicitor then you have every right to find out who he/she is and you should be communicating vice versa.

Delgan I have got nothing against our developers but they have done absolutely nothing to make us trust them. We are buying these properties and not accepting them in charity therefore they could be little bit more responsive to our mails.

Like I have said before I am an optimist but I don't want anything left to chance and more information that we can extract the better it is.

Congratulation for having had the mortgage approved but hold onto that money until you are fully satisfied. I would like to extend my gratitude to Abi giving us so much information which has prompted me to send another e-mail to my solicitor asking for more information.

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Looks like my waiting is over because I have been advised that my place will be completed by 16/08/10. I will have to arrange flights to go out to Turkey and take possession of the property.

My only concern is that I do not want to pay off the balance until I am fully satisfied with the construction of the property.

Can any one advise whether it is normal for the developers in Turkey to ask for all the purchase price cleared before the transfer of the deeds.

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Hi Kamal,

nearly finished the oak flooring in my kitchen, took longer than I thought! I will be able to talk Turkey again now.

Have you heard anything from developers since your last post? I haven't had any communications, even about completion date.

Did you have any luck with flights? Our friend bought on royal heights, and was struggling to get flights cheap enough, as they were traveling out on the 1st Nov when the cheap ones seem to finish.

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