Published in the Official Gazette: Big change in installment shopping
With the change in regulation published in the Official Gazette, installment periods for purchases of goods and services other than housing sales will be determined by the Ministry of Commerce.
Quick Look
With the amendment to the regulation published in the Official Gazette, the Ministry of Commerce was given the authority to determine installment periods and impose additional restrictions on purchases of goods and services other than housing sales.
AI-generated summary
Why It Matters
With the change in regulation published in the Official Gazette, new rules regarding installment purchases were introduced.
The Ministry of Commerce was given the authority to determine the periods to be applied for installment purchases. With the amendment to the regulation published in the Official Gazette dated October 15, 2026, the rules regarding installment periods for purchases of goods and services other than housing sales were rearranged.
THE MINISTRY WILL DETERMINE THE INSTALLMENT PERIODS
With the amendment of the regulation, the Ministry of Commerce was given the authority to determine the installment periods for installment sales of goods and services other than housing sales and to impose additional restrictions when necessary.
The regulation does not only cover installments made during shopping. After purchasing goods or services, dividing the debt into installments for a certain fee or postponing the payment date are also included in the scope of the new rules.
No distinction will be made between whether the sale is made with or without the issuance of negotiable instruments. Sales made through both methods will be evaluated within the framework of the installment periods and limitations determined by the Ministry.
HAVE THE INSTALLMENT NUMBER CHANGED?
With the change in regulation, a new installment number valid for all products was not determined. Installment periods and limitations to be applied according to product groups will be clarified with the decisions to be taken by the Ministry of Commerce.
Accordingly, the installment conditions to be applied to different product and service groups such as white goods, electronics, clothing and travel may change in line with the new decisions of the Ministry.
HOUSING SALES ARE OUT OF THE SCOPE
In the new regulation, housing sales were excluded. Purchases of goods and services in installments, other than housing sales, will be within the scope of periods and additional limitations to be determined by the Ministry of Commerce.
What to Watch
AI outlook — possibilities, not facts
The Ministry of Commerce will make decisions regarding new installment periods and limitations.
Very likely · Within months
Open Questions
- What changes will the Ministry make in installment periods?
- Which sectors will the new restrictions directly affect?
