The developing and growing construction sector has provided the development and development process of the necessary investment programs in our country, with rapid population growth and urbanization, and especially with the increase in public investment expenditures. Adopted neoliberal policies have brought with them a capitalcentered transformation in cities, and have been the locomotive source of economic growth in Turkey since the 1980s. The economic crisis that started in the United States of America in 2008 affected all other sectors, directly or indirectly, the real estate and banking sector, all over the worldIn the markets, largescale capital movements were transferred to developing countries. From the financial sector to the real sector, the impact of the global crisis was felt. There have been financial and bank institution bankruptcies. There have been serious decreases in the housing price index and global growth rates in the world. As of 2005, the data of the real estate sector, which draws a constantly rising curve in Turkey, entered a period of stagnation and then recession with the global crisis. The sector has an accelerating effect on the growth and contraction of economies. For this reason, it was desired to take advantage of the accelerating effect of economic growth by being active in the sector with the power of the state. The constructionreal estate sector in Turkey is predominantly residential. The housing constructions produced have created a new climate for the sector, especially for middle income groups, especially TOKI, due to reasons such as high quality, cheap and low bank loan interest rates such as TOKI etc. Therefore, its activities have increased after the 2000s. The steps taken and the instruments used must be effective towards ensuring financial stability. Basically, the Central Bank of the Republic of Turkey divides it into functional tools and monitoring tools. In general, identification and monitoring tools are used to monitor and prioritize systematic risks. They try to support their decisions by revealing the risks to the policy makers in time and crosssection. They use market conditions indicators, risk indicators in the system, fundamental imbalance indicators and macro stress tests. In general, the purpose of functional tools is to prevent systemic risk. As a result of this situation, the effect of housing demand and construction investments according to expectations has become very important to the country's economy and operating banks.