Can foreigners get a mortgage in Ayia Napa?

Mortgage in Ayia Napa are available to expats working and paying taxes in the country, to fund the purchase of an off-plan or existing property, or to finance improvements. A mortgage is typically obtained on a property with a title. With a 50% downpayment, an applicant is most likely to qualify for a mortgage to purchase a property priced between €150,000 and €1,000,000. Mortgage rates vary, starting from 3.7 %. When a property is under construction, the mortgage borrower is granted an installment plan.

How much do utilities cost in Ayia Napa?

Property maintenance costs are not very high in Ayia Napa compared to the rest of Europe. Total housing costs incurred by apartment owners are approximately €1,700 per year. The total housing expense for owners of villas with private pools is about €2,900 per year.

Can buying a property in Ayia Napa also get a residence permit in Cyprus?

Migration to Cyprus is very popular among foreigners as a permanent residence permit may be acquired with the purchase of a property worth about €300,000. An investment of €2,000,000 allows a person to get Cyprus citizenship.

How to get citizenship in Cyprus by buying a property in Ayia Napa?

Investment of about €2,000,000 into real estate, government bonds, or local business, and an additional donation of €150,000 to a government fund allows people to qualify for Cyprus citizenship by investment .

What is the process of buying a property in Cyprus?

It takes about 2 months to register property ownership in Cyprus. Tranio recommends that you comprehensively review all the details of a property purchase in order to avoid any problems at closing and upon registration.

What are the residential prices in Ayia Napa?

Property prices in Ayia Napa vary for different types of housing and across locations.

What taxes are charged on property purchase, ownership, and sale in Ayia Napa?

Property transfer fees range from 3 % to 8 % depending on the property value. The immovable property tax was cancelled in 2017. Now homeowners in Cyprus pay an annual municipality tax of €55–185 per year. Get more insights into Cyprus taxes in our article .

Can foreign citizens lease residential property in Cyprus, and what is the return on investment for a rental property?

Yes, they can. According to RICS, average rental yields of apartments in Cyprus are 3.9 % and a house lease earns 2.0 %, which is almost in line with returns generated by similar properties in the rest of Europe.

Property for sale in Ayia Napa

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Permanent residence

Residential complex

New villas on the beachfront in a residential complex with a port, a shopping area and a sports complex, Ayia Napa, Famagusta, Cyprus

Ayia Napa, Famagusta, Cyprus

From 4,600,000 €

Total 190 units available from the developer

Built in 2023

3 bedrooms from 4,600,000 €

Permanent residence

Residential complex

Luxury apartments in the best residential complex with a port, a shopping area and a sports complex in Ayia Napa, Famagusta, Cyprus

Ayia Napa, Famagusta, Cyprus

From 930,000 €

Total 190 units available from the developer

Built in 2023

1 bedroom from 930,000 €

2 bedrooms from 1,400,000 €

3 bedrooms from 1,700,000 €

AI helps you find the right property fast

Google AI Claude ChatGPT Perplexity

Residential complex

Luxury villas with a panoramic view on the first sea line, Ayia Napa, Cyprus

Ayia Napa, Famagusta, Cyprus

From 3,350,000 €

Total 3 units available from the developer

5 bedrooms from 3,350,000 €

New complex of villas with swimming pools at 500 meters from the beach, in the center of Ayia Napa, Cyprus for From 740,000 €

Permanent residence

Residential complex

New complex of villas with swimming pools at 500 meters from the beach, in the center of Ayia Napa, Cyprus

Ayia Napa, Famagusta, Cyprus

From 740,000 €

Total 8 units available from the developer

4 bedrooms from 740,000 €

4-bedroom villa in Ayia Napa for 850,000 €

With swimming pool

1 month ago

4-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

850,000 €

4 bedrooms · 4 bathrooms

Residential complex

1 new villa in residential complex in Ayia Napa

Ayia Napa, Famagusta, Cyprus

From 3,350,000 €

Total 1 unit available from the developer

Completion in: 2027

Villas from 3,350,000 €

Ekaterina Abramchik

Эксперт Tranio по зарубежной недвижимости

Cyprus permanent residence via property investment from €300,000

Residence for the whole family, tax benefits, and a Cypriot passport after 7 years

Request terms and properties

Residential complex

New residential complex of villas with swimming pools in Ayia Napa, Cyprus

Ayia Napa, Famagusta, Cyprus

From 535,000 €

Total 43 units available from the developer

Built in 2023

Villas from 535,000 €

4-bedroom villa in Ayia Napa for 650,000 €

With swimming pool

2 months ago

4-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

650,000 €

4 bedrooms · 4 bathrooms

3-bedroom villa in Ayia Napa for 595,000 €

With swimming pool

2 months ago

3-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

595,000 €

3 bedrooms · 2 bathrooms

With swimming pool

4-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

613,000 €

4 bedrooms · 4 bathrooms

With swimming pool

3-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

820,000 €

3 bedrooms · 4 bathrooms

With swimming pool

5-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

735,000 €

5 bedrooms · 4 bathrooms

3-bedroom villa in Ayia Napa for 540,000 €

With swimming pool

1 month ago

3-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

540,000 €

3 bedrooms · 2 bathrooms

Villa with an elevator, a swimming pool and a roof-top garden, 400 meters from the beach, Ayia Napa, Cyprus for 2,950,000 €

With swimming pool

1 week ago

Villa with an elevator, a swimming pool and a roof-top garden, 400 meters from the beach, Ayia Napa, Cyprus

Ayia Napa, Famagusta, Cyprus

2,950,000 €

Total area 262 m² · Land area: 1,028 m² · 3 bedrooms · 5 bathrooms

1 week ago

3-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

1,400,000 €

3 bedrooms · 2 bathrooms

3-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

495,000 €

3 bedrooms · 2 bathrooms

5-bedroom villa in Ayia Napa for 4,200,000 €

With swimming pool

3 months ago

5-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

4,200,000 €

5 bedrooms · 5 bathrooms

With swimming pool

4-bedroom villa in Ayia Napa

Ayia Napa, Famagusta, Cyprus

570,000 €

4 bedrooms · 2 bathrooms

Residential complex

11 new villas in residential complex in Ayia Napa

Ayia Napa, Famagusta, Cyprus

From 613,000 €

Total 11 units available from the developer

Villas from 613,000 €

Villa with a swimming pool, 300 meters from the beach, Ayia Thekla, Cyprus for 360,000 €

With swimming pool

1 week ago

Villa with a swimming pool, 300 meters from the beach, Ayia Thekla, Cyprus

Ayia Napa, Famagusta, Cyprus

360,000 €

Total area 81 m² · 2 bedrooms · 2 bathrooms

2-bedroom apartment in Ayia Napa for 229,000 €

Furnished

3 weeks ago

2-bedroom apartment in Ayia Napa

Ayia Napa, Famagusta, Cyprus

229,000 €

2 bedrooms · 1 bathroom

Furnished

1 week ago

2-bedroom apartment in Ayia Napa

Ayia Napa, Famagusta, Cyprus

229,000 €

2 bedrooms · 1 bathroom

Furnished

3 weeks ago

2-bedroom apartment in Ayia Napa

Ayia Napa, Famagusta, Cyprus

229,000 €

2 bedrooms · 1 bathroom

Complex of villas with panoramic sea views, 200 meters from the beach, Ayia Napa, Cyprus for From 1,900,000 €

1 week ago

Residential complex

Complex of villas with panoramic sea views, 200 meters from the beach, Ayia Napa, Cyprus

Ayia Napa, Famagusta, Cyprus

From 1,900,000 €

Total 2 units available from the developer

Built in 2019

Villas from 1,900,000 €

Complex of furnished apartments with a swimming pool, 850 meters from the beach, Ayia Napa, Cyprus for From 350,000 €

1 week ago

Residential complex

Complex of furnished apartments with a swimming pool, 850 meters from the beach, Ayia Napa, Cyprus

Ayia Napa, Famagusta, Cyprus

From 350,000 €

Total 12 units available from the developer

1 bedroom from 350,000 €

2 bedrooms from 625,000 €

3 bedrooms from 1,050,000 €

1-25 of 112 listings, page 1 of 5

Location	Median cost of the object	Average price per m²
Cyprus	429,000 €	5,054 €
Limassol	472,000 €	5,915 €
Paphos	518,880 €	4,707 €
Larnaca	300,000 €	3,907 €
Ayia Napa	535,000 €	7,182 €
Famagusta	479,000 €	5,353 €
Nicosia	228,253 €	2,869 €

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