Overseas Borrowing and Military Service Borrowing ( 2026)

Summary: The most common way to complete missing premium days is 'Service Borrowing'. The most known types are Military Service, Birth, and Overseas borrowing. ...

The most common way to complete missing premium days is “Service Borrowing”. The most known types are Military Service, Birth, and Overseas borrowing.

1. Overseas Borrowing (For Expatriates)

It is counting the working periods passed abroad as Turkish citizen (housewife periods for women) to Turkish service by paying money.

Big Change (2019): Formerly overseas borrowing could be considered SSK (4/a). Now all overseas borrowings made are considered in 4/b (Bag-Kur) status. This made retirement difficult.
Cost: Borrowing premium is calculated over 45% (It is expensive).

2. Military Service Borrowing

Male insureds can borrow the military service period they passed as private/corporal.

Early Retirement: If military service was done before first insurance entry, insurance entry is pulled back as much as the borrowed days. This can pull retirement age forward by 1 year or put the person in EYT scope.
If After Entry: Only gains premium day, does not pull back age.

3. Birth Borrowing

Female insureds can make borrowing for children born after insurance entry.

Can begin borrowing for maximum 3 children, 2 years (720 days) for each child, total 2160 days (6 years).
Condition: Child must live within 2 years after birth and mother must not have worked (premium not deposited).

4. 2025 Borrowing Costs

Borrowing costs are calculated over Gross Minimum Wage.

Military/Birth (Domestic): Daily cost is 32% of Gross Minimum Wage.
Overseas Borrowing: Daily cost is 45% of Gross Minimum Wage.

Frequently Asked Questions

Q: Can I work in Turkey after doing overseas borrowing? A: Those retiring with overseas borrowing cannot continue to work abroad (except short-term jobs) and cannot receive social assistance. Their working in Turkey is possible with Social Security Support Premium (SGDP).

Q: Should I do military service borrowing now or at retirement? A: Since minimum wage increases every year, borrowing cost also increases. If possible, doing it early is advantageous in terms of cost.

Legal Support: You can contact us for calculation of which borrowing is advantageous for you and application.

Professional Legal Support

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⚖️ Attorney Fevzi Yaşkir - Licensed attorney at Konya Bar Association providing legal consultation and case management services for international clients.