Can foreigners get a mortgage to buy a house in Ayia Napa?

Mortgages in Cyprus may be obtained 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 house 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 house 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 house in Cyprus?

It takes about 2 months to register property ownership of a house 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 house prices in Ayia Napa?

House prices in Ayia Napa vary across locations.

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

Property transfer fees range from 3 % to 8 % depending on the house 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.

Houses for sale in Ayia Napa - Buy villas in Ayia Napa, homes, cottages, bungalows and mansions

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Luxury modern villa with a swimming pool and a garage, on the coastline, Ayia Napa, Cyprus for 3,700,000 €

With swimming pool

Luxury modern villa with a swimming pool and a garage, on the coastline, Ayia Napa, Cyprus

3,700,000 €

Total area 261 m²Land area: 1,325 m²5 bedrooms3 bathrooms

Spacious villa with a pool and a garden in a modern residential complex, Ayia Napa, Cyprus for 390,000 €

With swimming pool

Spacious villa with a pool and a garden in a modern residential complex, Ayia Napa, Cyprus

390,000 €

Total area 305 m²Land area: 400 m²3 bedrooms3 bathrooms

Golden Visa

Duplex penthouse in Greece, Athens

250,000 €

Total area: 140 m² 4 bedrooms 2 bathrooms

New beachfont villa with a swimming pool, a garden and a parking, Ayia Napa, Cyprus for 2,350,000 €

With swimming pool

New beachfont villa with a swimming pool, a garden and a parking, Ayia Napa, Cyprus

2,350,000 €

Total area 154 m²Land area: 601 m²5 bedrooms4 bathrooms

Eccentric and Contemporary 3 Bedroom Villa on the Beach of Konnos, Ayia Napa for 550,000 €

Eccentric and Contemporary 3 Bedroom Villa on the Beach of Konnos, Ayia Napa

550,000 €

Total area 212 m²Land area: 285 m²

Luxury modern villa with a swimming pool on the coastline, in the popular Nissi area, Ayia Napa, Cyprus for 705,000 €

With swimming pool

Luxury modern villa with a swimming pool on the coastline, in the popular Nissi area, Ayia Napa, Cyprus

705,000 €

Total area 140 m²Land area: 300 m²3 bedrooms2 bathrooms

Modern villa with a swimming pool and parking, 250 meters from the beach, Ayia Napa, Famagusta, Cyprus for 500,000 €

With swimming pool

Modern villa with a swimming pool and parking, 250 meters from the beach, Ayia Napa, Famagusta, Cyprus

500,000 €

Total area 124 m²3 bedrooms2 bathrooms

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Anna Boyarchukova,

Head of Residential Real Estate

Sea view villa with a swimming pool in an exclusive residence, directly on the coastline, Ayia Thekla, Cyprus for 1,450,000 €

With swimming pool

Sea view villa with a swimming pool in an exclusive residence, directly on the coastline, Ayia Thekla, Cyprus

1,450,000 €

Total area 185 m²Land area: 838 m²4 bedrooms4 bathrooms

Spacious villa on the first line from the sea, Ayia Napa, Cyprus for 1,700,000 €

Sea view

Spacious villa on the first line from the sea, Ayia Napa, Cyprus

1,700,000 €

Total area 250 m²Land area: 800 m²5 bedrooms3 bathrooms

Furnished villa with a garden and parking, Kokkines, Cyprus for 470,000 €

Furnished villa with a garden and parking, Kokkines, Cyprus

470,000 €

Total area 248 m²Land area: 965 m²3 bedrooms2 bathrooms

Villa with pool, gym and sauna, on the first line from the sea, Ayia Napa, Cyprus for 3,500,000 €

With swimming pool

Villa with pool, gym and sauna, on the first line from the sea, Ayia Napa, Cyprus

3,500,000 €

6 bedrooms5 bathrooms

New furnished villa with a swimming pool, a garden and a garage on the first sea line, Ayia Napa, Cyprus for 1,600,000 €

With swimming pool

New furnished villa with a swimming pool, a garden and a garage on the first sea line, Ayia Napa, Cyprus

1,600,000 €

Total area 185 m²Land area: 838 m²4 bedrooms4 bathrooms

New villa with a terrace and a garage, 500 meters from the beach, Aya-Napa, Cyprus for 500,000 €

Next to the sea

New villa with a terrace and a garage, 500 meters from the beach, Aya-Napa, Cyprus

500,000 €

Total area 110 m²Land area: 215 m²3 bedrooms2 bathrooms

Furnished villa with a pool, a parking and a terrace, Ayia Napa, Cyprus for 350,000 €

With swimming pool

Furnished villa with a pool, a parking and a terrace, Ayia Napa, Cyprus

350,000 €

Total area 140 m²Land area: 380 m²3 bedrooms2 bathrooms

Modern villa with a swimming pool, a parking, a rooftop terrace and sea views, Ayia Napa, Cyprus for 554,000 €

With swimming pool

Modern villa with a swimming pool, a parking, a rooftop terrace and sea views, Ayia Napa, Cyprus

554,000 €

Total area 157 m²Land area: 307 m²3 bedrooms3 bathrooms

Spacious villa with a private garden, a swimming pool and a terrace, Ayia Napa, Cyprus for 682,000 €

With swimming pool

Spacious villa with a private garden, a swimming pool and a terrace, Ayia Napa, Cyprus

682,000 €

Total area 176 m²Land area: 462 m²3 bedrooms2 bathrooms

Luxury villa with a private pool, a parking, a terrace and sea views, Ayia Napa, Cyprus for 600,000 €

With swimming pool

Luxury villa with a private pool, a parking, a terrace and sea views, Ayia Napa, Cyprus

600,000 €

Total area 450 m²Land area: 1,334 m²3 bedrooms2 bathrooms

Villa in Ayia Napa with 3 bedrooms, Ayia Thekla for 595,000 €

With swimming pool

Villa in Ayia Napa with 3 bedrooms, Ayia Thekla

595,000 €

Total area 120 m²Land area: 359 m²3 bedrooms2 bathrooms

Villa in Ayia Napa with 4 bedrooms for 450,000 €

With swimming pool

Villa in Ayia Napa with 4 bedrooms

450,000 €

Total area 224 m²Land area: 484 m²4 bedrooms3 bathrooms

Four bedroom villa in Ayia Napa for 1,700,000 €

Four bedroom villa in Ayia Napa

1,700,000 €

Total area 256 m²Land area: 665 m²4 bedrooms4 bathrooms

Villa in Ayia Napa with 3 bedrooms for 482,000 €

With swimming pool

Villa in Ayia Napa with 3 bedrooms

482,000 €

Total area 157 m²Land area: 307 m²3 bedrooms3 bathrooms

Six bedroom villa in Protaras, Cavo Greco for 2,500,000 €

Six bedroom villa in Protaras, Cavo Greco

2,500,000 €

Total area 404 m²Land area: 1,363 m²5 bedrooms6 bathrooms

Villa in Ayia Napa with 3 bedrooms for 457,000 €

With swimming pool

Villa in Ayia Napa with 3 bedrooms

457,000 €

Total area 157 m²Land area: 307 m²3 bedrooms2 bathrooms

Four bedroom villa in Ayia Napa for 477,000 €

With swimming pool

Four bedroom villa in Ayia Napa

477,000 €

Total area 191 m²Land area: 365 m²4 bedrooms2 bathrooms

Spacious villa with a large plot, a private garden, a garage and a terrace, Ayia Napa, Cyprus for 1,300,000 €

Spacious villa with a large plot, a private garden, a garage and a terrace, Ayia Napa, Cyprus

1,300,000 €

Total area 350 m²Land area: 2,660 m²5 bedrooms4 bathrooms

Spacious villa with a private garden, a garage, a terrace and sea views, Ayia Napa, Cyprus for 750,000 €

Spacious villa with a private garden, a garage, a terrace and sea views, Ayia Napa, Cyprus

750,000 €

Total area 370 m²Land area: 6,109 m²4 bedrooms3 bathrooms

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Houses for sale in Ayia Napa

Discounted homes upon request

FAQ about Ayia Napa