What changed: The instalment threshold for new mobile phones increased from TRY 20,000 to TRY 40,000. The maximum term remains 12 months for phones priced at or below TRY 40,000 and 3 months above that threshold. Refurbished phones can be sold over 12 months regardless of the amount.
Who is affected
The changes concern retailers selling mobile phones to consumers in instalments. The source distinguishes between terms set by BDDK for credit cards, shopping loans and consumer financing, and those set by the Ministry of Trade for other methods, such as sales against promissory notes.
What it means for your business
For businesses selling phones through instalment methods such as promissory notes, sales terms depend on whether the phone is new or refurbished and, for new phones, its price.
What to do
Review your phone instalment terms; reflect the applicable price thresholds and maximum terms for new phones, and the instalment option for refurbished phones regardless of amount.
When it takes effect
The amendment was published in the Official Gazette dated 15 October 2026. The source does not separately specify an effective date.
