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Title annotations and encumbrances Workflow Guide

Title annotations and encumbrances Workflow Guide Use this workflow: current TKGM/Web Tapu record → identify every entry by type, date and beneficiary/authority → determine whether it remains active or has been deleted → assess impact on transfer, financing and intended use → recheck at closing. An entry does not always block a sale, but a non-blocking entry can still matter materially. title annotations and encumbrances: Paying a mortgage debt does not by itself remove the mortgage from the registry; TKGM says the bank sends the release document electronically to the Land Registry Directorate for cancellation.

Author / reviewer: JUANA Real Estate Last reviewed: 2026-08-20
Title annotations and encumbrances Workflow Guide

Title annotations and encumbrances Workflow Guide Use this workflow: current TKGM/Web Tapu record → identify every entry by type, date and beneficiary/authority → determine whether it remains active or has been deleted → assess impact on transfer, financing and intended use → recheck at closing. An entry does not always block a sale, but a non-blocking entry can still matter materially.

title annotations and encumbrances: Paying a mortgage debt does not by itself remove the mortgage from the registry; TKGM says the bank sends the release document electronically to the Land Registry Directorate for cancellation.

Property identity and the current registry

Match the name and identity or legal-entity details, province, district, neighbourhood, ada/parsel and the independent-unit number where applicable. Sequence the work so errors are caught before they become expensive: prove identity first, then legal/technical status, then cost and obligations, resolve gaps, and finally recheck changeable facts immediately before payment or signing. Read mortgages, attachments, annotations, easements and other restrictions before a material commitment. Web Tapu allows applications for transactions such as sale, mortgage and inheritance transfer, but it does not make an earlier registry copy current evidence.

The result can affect what is actually registered to the buyer or which restrictions travel with the property, so it is not a minor clerical issue. If a representative acts, check the representation document against the party’s identity, scope of authority and transaction type. A mismatch in unit, share, owner or a newly added restriction requires the file to be reconciled again before payment or completion. The current TKGM land-registry record is the starting point for proving the owner and the property; an old title-deed copy or an advertisement is not a substitute.

Cadastre and enforceable planning status

Check permitted use, height, density or building rights, setbacks, roads, public-space effects and any pending or recent plan amendment. If area, boundary, land character or a right of way has changed, reconcile the result with TKGM, the municipality and relevant technical documents rather than a commercial map. Sequence the work so errors are caught before they become expensive: prove identity first, then legal/technical status, then cost and obligations, resolve gaps, and finally recheck changeable facts immediately before payment or signing. Land verification starts with ada/parsel, boundaries and cadastral records, then moves to the planning and building status held by the competent authority.

The result can affect what is actually registered to the buyer or which restrictions travel with the property, so it is not a minor clerical issue. TKGM Parsel Sorgu is useful for locating a parcel and viewing data, but it does not replace cadastral documents or an official determination when boundaries are disputed. Planning review should distinguish higher-level plans from the 1/1000 implementation plan and from the parcel’s actual imar durumu; an advertisement saying “residential” is insufficient.

Independent unit and land share

Conversion to Kat Mülkiyeti is tied to documents including the building-use permit under TKGM procedures, so Kat İrtifakı alone is not proof that construction is fully completed or that occupancy approval exists. The land share is not decorative data; it forms part of the ownership structure and can affect rights, voting, allocation of some common obligations and redevelopment. Sequence the work so errors are caught before they become expensive: prove identity first, then legal/technical status, then cost and obligations, resolve gaps, and finally recheck changeable facts immediately before payment or signing. A wrong independent-unit number or share can connect the buyer to a different legal unit from the one inspected.

Compare the registry with the independent-unit plan, project description, actual use and management plan rather than relying on the door number shown in the building. The result can affect what is actually registered to the buyer or which restrictions travel with the property, so it is not a minor clerical issue. For condominium property, keep three items separate: whether the record is Kat İrtifakı or Kat Mülkiyeti, the independent-unit number and the land share (arsa payı).

Frequently asked questions

What evidence closes that mismatch — title annotations, mortgages and encumbrances?

If the agreement requires release of a mortgage or attachment, payment evidence alone is not enough; verify that deletion appears in the registry or that the official closing mechanism clearly resolves the entry. Use this workflow: current TKGM/Web Tapu record → identify every entry by type, date and beneficiary/authority → determine whether it remains active or has been deleted → assess impact on transfer, financing and intended use → recheck at closing. An entry does not always block a sale, but a non-blocking entry can still matter materially.

Which identifiers must match when checking title annotations, mortgages and encumbrances?

Start with a fresh registry extract and review all annotations, declarations, rights and mortgages; do not rely only on the title-deed image. Use this workflow: current TKGM/Web Tapu record → identify every entry by type, date and beneficiary/authority → determine whether it remains active or has been deleted → assess impact on transfer, financing and intended use → recheck at closing. An entry does not always block a sale, but a non-blocking entry can still matter materially.

What mismatch is most important to investigate in title annotations, mortgages and encumbrances?

Use this workflow: current TKGM/Web Tapu record → identify every entry by type, date and beneficiary/authority → determine whether it remains active or has been deleted → assess impact on transfer, financing and intended use → recheck at closing. title annotations and encumbrances: Paying a mortgage debt does not by itself remove the mortgage from the registry; TKGM says the bank sends the release document electronically to the Land Registry Directorate for cancellation.

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