€150,000
Apartment in Universal
Condition
Resale
Energy
NA
Year built
2007
Floor
1st floor
Features
- Parking
Property description
This one-bedroom apartment for sale is located in the sought-after Universal area of Paphos, offering convenient access to a wide range of amenities and services. Supermarkets, shops, schools, and other everyday facilities are all within easy reach, while the property also benefits from excellent access to Paphos city centre and the popular tourist area of Kato Paphos. Situated on the first floor of a residential building constructed around 2007, the apartment features a practical layout comprising an open-plan living and kitchen area, one bedroom, a bathroom with a bathtub and toilet, and a covered veranda. The property offers approximately 55 m² of internal covered area, complemented by an 8 m² covered veranda, providing additional outdoor space. The apartment is vacant and ready for use, making it an attractive option for private residence or as an investment property for long-term or short-term rental, subject to applicable regulations. A separate title deed is available, offering additional reassurance for prospective buyers.
Location
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Mortgage calculator
Estimate monthly payments, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.
Beta feature — indicative estimates only, not financial or legal advice.
Beta — mortgage estimates only
Mortgage calculator for this property
Estimate the loan, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.
Recommended max LTV: 80%. Cyprus banks commonly finance up to 80% of the property value for an owner-occupied primary residence.
Resale property selected. VAT is estimated at €0 and transfer fees may apply because VAT is generally not payable on resale properties.
First-time buyer status is informational only here; it does not change the payment, transfer fees, stamp duty, or mortgage registration estimate.
Reduced 5% VAT depends on a main-residence declaration, property size/value limits, and Tax Department eligibility.
Use only if the planning-permit and declaration deadlines apply.
- Transfer fees are estimated at 3%, 5%, 8% bands, then 50% reduced when VAT is not paid.
- Transfer fees are estimated from purchase price and VAT treatment only; buyer ownership status does not change them here.
- No transfer fee is estimated when VAT applies to the transaction under current Land Registry practice.
- Mortgage registration is estimated at 1% of the mortgage amount.
- Stamp duty is shown as €0 because stamp duty was abolished for agreements from 1 January 2026.
- ID/passport, proof of address, tax details, and source-of-funds evidence.
- Recent payslips, employment contract, accounts for self-employed buyers, and bank statements.
- Sales agreement, valuation, title deed or planning documents, insurance, and deposit proof.
- Ask the bank which first-home products and documents apply.
Estimates are indicative only and do not constitute financial advice or a lending offer. Actual lending decisions, fees, VAT treatment, and affordability assessments depend on the individual bank, the Tax Department, the Department of Lands and Surveys, and the buyer's personal circumstances.