Türkiye updates retail instalment-sale rules for consumer electronics and refurbished phones

Verified facts

• The Ministry of Trade stated that an amendment published in Official Gazette No. 33401 on 15 October 2026 gives the Ministry authority, except for housing sales, to set instalment periods and additional limits for retail goods and services sold to consumers.
• The Ministry reported that the instalment-price threshold for new mobile phones was raised from TRY 20,000 to TRY 40,000. It stated that phones priced at TRY 40,000 or below can be offered with up to 12 instalments, while the three-month limit remains for higher-priced new phones.
• For refurbished mobile phones, the Ministry reported a 12-month instalment option without a price threshold. It also stated that existing instalment limits for listed categories including electronics, tablets, televisions, household appliances, furniture, domestic tourism and travel, vehicles and jewellery were unchanged.
• The Ministry explains that card, shopping-credit and consumer-finance instalments are determined through banking-regulator decisions, while the retail-rule amendment creates an aligned route for other instalment-sale methods such as promissory-note sales.
• OECD competition material provides independent background on Türkiye’s retail-trade framework, including earlier rules on promotional sales, delivery, payment and return periods. It is context for the regulatory setting rather than an interpretation of the October amendment.