€150,000
Bank-Owned One-Bedroom Apartment in Universal, Paphos
Condition
Resale
Energy
B
Year built
160
Floor
1st floor
Features
- Air Conditioning
- Parking
- Pool
Property description
A one-bedroom apartment in the Universal area of Agios Theodoros, Paphos, approximately 1 km east of Kings Avenue Mall. The property is close to shops, supermarkets and other amenities, with convenient access to Paphos town centre and Kato Paphos. Situated on the first floor of Block B in the New Atlantis residential complex, built around 2007, the apartment offers approximately 55 m² of internal space and an 8 m² covered veranda. The accommodation comprises an open-plan living room and kitchen, one bedroom and a bathroom with bathtub and toilet. The complex benefits from a communal swimming pool. The apartment is vacant and has a separate title deed. This is a bank-owned property, and purchase requires the submission of an offer for the seller’s consideration. Tender submissions through our office close every Tuesday at 9:30 AM. The seller is not obliged to accept the highest or any offer. Please contact us for further information, viewing arrangements and assistance with the tender process. P.G.A. PROPERTY MASTERS LTD Reg. No. 1140 | Licence No. 580
Location
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Mortgage calculator
Estimate monthly payments, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.
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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.