New Generation Housing Finance: Home Ownership with 30-40-50 Year Term Loans and Alternative Modelsn Housing Finance: Home Ownership with 30-40-50 Year Term Loans and Alternative Models The 30-40-50 year mortgage loan model announced to the public by Treasuew Generation Housing Finance: Home Ownership with 30-40-50 Year Term Loans and Alternative Models The 30-40-50 year mortgage loan model announced to the public by Treasury and Finance Minister Mehmet Şimşek is opening the doors to a new era in housing finance in Turkey. While this step aims to realize the dream of home ownership, especially for the young population, it seems that it will create a long-term and sustainable liquidity channel for the sector players. Will House Prices Fall Even Though Inflation Is Falling? The question that has been frequently raised recently is “If inflation falls, will housing prices also fall?" the experts give a clear answer to the question: No. Because prices are not expected to decline permanently in an environment where the demand continues to be high and the housing supply remains insufficient.he question that has been frequently raised recently is “If inflation falls, will housing prices also fall?" the experts give a clear answer to the question: No. Because prices are not expected to decline permanently in an environment where the demand continues to be high and he question that has been frequently raised recently is “If inflation falls, will housing prices also fall?" the experts give a clear answer to the question: No. Because prices are not expected to decline permanently in an environment where the demand continues to be high and the housing supply remains insufficient. Therefore, not only economic indicators, but also housing production capacity and financing models will be decisive in the market. It is Now More Possible to Own a Home with New Financing Models The models that are also on the agenda other than long-term loans are remarkable: Home Ownership As It Pays Rent Citizens become homeowners with very long-term payments in housing projects developed by the public or private sector. The transfer of the title deed takes place at the end of the term (for example, 30-40 years). This model eliminates the burden of high down pay and monthly payments.itizens become homeowners with very long-term payments in housing projects developed by the public or private sector. The transfer of the title deed takes place at the end of the term (for example, 30-40 years). This model eliminates the burden of hitizens become homeowners with very long-term payments in housing projects developed by the public or private sector. The transfer of the title deed takes place at the end of the term (for example, 30-40 years). This model eliminates the burden of high down pay and monthly payments. The Shared Ownership Model In this model, the buyer buys a part of the house; the remaining share is covered by the government or a financial institution. The buyer gradually becomes the owner of the entire property, increasing his share over time. This method makes it possible to reach high-cost housing with a lower entrance fee. What Does It Mean? These models show promise, especially for low- and middle-income segments. At the same time, it is a preventive move against the contraction risk of the real estate sector. The regular pay system that comes with long-term loans also means a more stable portfolio for the banking sector.