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Etalon Estate Group

How to Buy Property in Cyprus: 5 Tips for Buyers

Buying property in Cyprus is not just about acquiring a new home but also making a profitable investment that can ensure long-term capital growth. A well-developed construction sector, a stable economy, and favorable tax regulations make Cyprus one of the best places to invest in real estate.

Jak kupić nieruchomość na Cyprze

However, to ensure a smooth and hassle-free purchasing process, you should consider several key aspects. Here are the five most important tips to minimize risks and ensure transaction security.

1. Proper Financial Planning

The first step to a successful property purchase is proper financial organization. In Cyprus, it is often required to:

  • Open a bank account in Cyprus – This is recommended for secure transactions, although EU citizens may use an account in another EU country if it meets legal requirements.
  • Provide documentary proof of funds – This requirement stems from European regulations on anti-money laundering measures.

2. Thorough Property Inspection

Although beautiful photos and brochures may leave a great impression, it is crucial to personally inspect the property before purchase. If buying a newly built property, verifying the documentation is also essential. If you cannot travel to Cyprus, your representative or lawyer can conduct a detailed inspection and provide you with all necessary information, such as:

  • The technical condition of the property.
  • Compliance with the specifications declared by the seller.
  • Availability of infrastructure in the area.

Additionally, it is advisable to submit a request to the Cyprus Department of Lands and Surveys to check whether the property is subject to any mortgages or claims.

3. Careful Analysis of the Reservation Agreement and Contract

A reservation agreement regulates the obligations of both parties during the preliminary transaction phase. However, in Cyprus, the key document is the Sales Agreement, which must be registered with the Department of Lands and Surveys. This registration protects the buyer’s rights to the property until the title deed is issued.

When signing any document, pay special attention to:

  • The technical specifications of the property.
  • Finishing materials and quality.
  • Payment terms and the final price.

A professional lawyer can help you thoroughly review the contract, introduce necessary amendments, and avoid misunderstandings, ensuring complete transparency in the transaction.

4. Verification of Seller’s Ownership Documents

Cyprus has strict real estate regulations, and the market is considered stable and secure. However, it is crucial to ensure that the seller provides a full set of ownership documents, such as:

  • Title deed
  • Building permit
  • Tax certificates
  • Energy efficiency certificates

A thorough review of these documents should be conducted by an independent lawyer. Our office cooperates with experienced legal professionals, allowing us to efficiently coordinate this process. While we do not provide legal advice, we can assist you in finding the right specialists.

5. Hiring an Independent Lawyer

Sellers often suggest using their lawyers, but to avoid conflicts of interest, it is highly recommended to hire an independent lawyer who will represent only your interests.

An independent lawyer will:

  • Verify ownership documents.
  • Oversee the fulfillment of contract terms.
  • Provide comprehensive legal support at every stage of the transaction.

Conclusion

Buying property in Cyprus is an excellent investment that can become your new home or a source of stable income. Following legal procedures and working with experienced professionals will help you avoid mistakes and successfully complete the transaction.

Etalon Estate Group offers professional assistance in purchasing real estate in Cyprus, specifically for clients from Poland. Our services include:

  • Assistance in selecting a property.
    Coordination of the purchasing process.
    Collaboration with lawyers and other specialists.

Contact us today for a consultation and expert assistance.