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21:[["$","p",null,{"children":"Buying property in a foreign country can feel daunting, but Cyprus has a transparent, well-established process built on English common law. Follow these steps and you can buy with confidence — whether you are relocating, investing or buying a holiday home."}],"\n",["$","h2",null,{"id":"1-define-your-goal-and-budget","children":["$","a",null,{"href":"#1-define-your-goal-and-budget","children":"1. Define your goal and budget"}]}],"\n",["$","p",null,{"children":["Before you search, be clear on ",["$","strong",null,{"children":"why"}]," you are buying: lifestyle, rental income, capital growth or residency. Your goal shapes everything — location, property type, whether you buy new or resale, and how you finance the purchase."]}],"\n",["$","h2",null,{"id":"2-search-and-shortlist","children":["$","a",null,{"href":"#2-search-and-shortlist","children":"2. Search and shortlist"}]}],"\n",["$","p",null,{"children":"Work with a licensed agent to identify areas and properties that fit your goals. Arrange viewings in person or virtually, and compare:"}],"\n",["$","ul",null,{"children":["\n",["$","li",null,{"children":"Title status (individual title deed vs. share of title)"}],"\n",["$","li",null,{"children":"New build vs. resale"}],"\n",["$","li",null,{"children":"Delivery timelines for off-plan units"}],"\n",["$","li",null,{"children":"Service charges and community fees"}],"\n"]}],"\n",["$","h2",null,{"id":"3-reserve-the-property","children":["$","a",null,{"href":"#3-reserve-the-property","children":"3. Reserve the property"}]}],"\n",["$","p",null,{"children":["Once you find the right property, you sign a ",["$","strong",null,{"children":"reservation agreement"}]," and pay a holding deposit (typically €5,000–€10,000). This takes the property off the market and fixes the price while due diligence begins."]}],"\n",["$","h2",null,{"id":"4-appoint-an-independent-lawyer","children":["$","a",null,{"href":"#4-appoint-an-independent-lawyer","children":"4. Appoint an independent lawyer"}]}],"\n",["$","p",null,{"children":["This is the single most important safeguard. Appoint an ",["$","strong",null,{"children":"independent, licensed Cypriot lawyer"}]," — not one recommended solely by the seller — to protect your interests. Your lawyer will:"]}],"\n",["$","ul",null,{"children":["\n",["$","li",null,{"children":"Verify the title deed and ownership"}],"\n",["$","li",null,{"children":"Check for mortgages, encumbrances or memos on the property"}],"\n",["$","li",null,{"children":"Confirm planning and building permits are in order"}],"\n",["$","li",null,{"children":"Review and negotiate the contract of sale"}],"\n"]}],"\n",["$","h2",null,{"id":"5-sign-the-contract-of-sale","children":["$","a",null,{"href":"#5-sign-the-contract-of-sale","children":"5. Sign the contract of sale"}]}],"\n",["$","p",null,{"children":["When terms are agreed, both parties sign the ",["$","strong",null,{"children":"contract of sale"}],". Your lawyer then:"]}],"\n",["$","ol",null,{"children":["\n",["$","li",null,{"children":"Pays stamp duty on the contract."}],"\n",["$","li",null,{"children":[["$","strong",null,{"children":"Deposits the contract at the Land Registry"}]," — a crucial step that legally protects your right to the property even before the title is transferred."]}],"\n"]}],"\n",["$","h2",null,{"id":"6-council-of-ministers-approval-non-eu-buyers","children":["$","a",null,{"href":"#6-council-of-ministers-approval-non-eu-buyers","children":"6. Council of Ministers approval (non-EU buyers)"}]}],"\n",["$","p",null,{"children":"Non-EU nationals apply for permission to acquire property. This is a routine formality that rarely fails, and it does not usually stop you from taking possession while approval is processed."}],"\n",["$","h2",null,{"id":"7-completion-and-transfer-of-title","children":["$","a",null,{"href":"#7-completion-and-transfer-of-title","children":"7. Completion and transfer of title"}]}],"\n",["$","p",null,{"children":["On completion you pay the balance of the purchase price and take possession. The ","$L28"," to your name at the Land Registry, and you settle transfer fees (resale) or VAT (new build)."]}],"\n","$L29","\n","$L2a","\n","$L2b","\n","$L2c","\n","$L2d","\n","$L2e","\n","$L2f","\n","$L30","\n","$L31"]
28:["$","strong",null,{"children":"title deed is transferred"}]
29:["$","h2",null,{"id":"costs-to-budget-for","children":["$","a",null,{"href":"#costs-to-budget-for","children":"Costs to budget for"}]}]
2a:["$","p",null,{"children":["Beyond the purchase price, allow roughly ",["$","strong",null,{"children":"8–12%"}]," for:"]}]
2b:["$","ul",null,{"children":["\n",["$","li",null,{"children":"VAT or transfer fees"}],"\n",["$","li",null,{"children":"Stamp duty"}],"\n",["$","li",null,{"children":"Legal fees (typically around 1% plus VAT)"}],"\n",["$","li",null,{"children":"Registration and government charges"}],"\n"]}]
2c:["$","h2",null,{"id":"financing-your-purchase","children":["$","a",null,{"href":"#financing-your-purchase","children":"Financing your purchase"}]}]
2d:["$","p",null,{"children":"Cypriot banks offer mortgages to non-residents, usually up to 60–70% loan-to-value, subject to income verification. Many overseas buyers, however, purchase in cash or arrange financing in their home country."}]
2e:["$","h2",null,{"id":"common-mistakes-to-avoid","children":["$","a",null,{"href":"#common-mistakes-to-avoid","children":"Common mistakes to avoid"}]}]
2f:["$","ul",null,{"children":["\n",["$","li",null,{"children":[["$","strong",null,{"children":"Skipping independent legal advice"}]," — never rely solely on the seller's lawyer."]}],"\n",["$","li",null,{"children":[["$","strong",null,{"children":"Ignoring the title deed status"}]," — always confirm a clean, transferable title."]}],"\n",["$","li",null,{"children":[["$","strong",null,{"children":"Underestimating fees"}]," — budget for the full transaction cost, not just the price."]}],"\n",["$","li",null,{"children":[["$","strong",null,{"children":"Rushing off-plan purchases"}]," — check the developer's track record and delivery guarantees."]}],"\n"]}]
30:["$","p",null,{"children":"Follow these steps, lean on independent professionals, and buying in Cyprus becomes a secure and rewarding process."}]
31:["$","blockquote",null,{"children":["\n",["$","p",null,{"children":[["$","strong",null,{"children":"Disclaimer:"}]," This guide is general information, not legal advice. Always engage a licensed Cypriot lawyer for your specific transaction."]}],"\n"]}]
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