€485,000
Apartment, Larnaca, Sotiros
Condition
Brand New
Energy
NA
Year built
2025
Floor
5th floor
Features
- Parking
Property description
This spacious 3-bedroom apartment, currently under construction, is ideally located within walking distance to Larnaca city center, Finikoudes Beach, schools, supermarkets, and a wide range of other amenities, offering both convenience and modern living. The property features a bright open-plan living and kitchen area, 3-well-proportioned bedrooms including a master bedroom with en-suite, and 3-bathrooms in total. A large covered veranda extends the living space outdoors, while covered parking and a private storage room add practicality. The development is being built with high-quality materials, including thermal aluminum windows with double glazing, a security entrance with intercom system, and 3.0 kW solar panels for energy efficiency, along with photovoltaic panels for the common areas. An excellent opportunity for both residential living and investment, with an estimated delivery date of February 2027..
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.