CY · Country Passport

Buying property in Cyprus

Property ownership rules for foreign buyers, explained with current source-backed facts.

Compare Cyprus See buying rules →

The short answer

Quick Country Passport

Can foreigners buy property?Yes — Non EU Buyers Normally Require District Administration Permission.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

Land allowedFor Non EU Buyers, The Standard Permission Route Includes Land Up To 4,000 M² For An Owner Occupied Dwelling.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: non_eu_buyers

Property types: land

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

Typical total buying costNo Single Reliable Percentage: VAT New Build And Transfer Fee/Resale Scenarios Differ Materially.

Verified

Details

Compute by scenario rather than hardcoding one market-wide percentage.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗Tax Department — VAT Rates ↗VAT legislation — reduced 5% principal residence framework ↗

Annual property taxNational Immovable Property Tax: €0; The National Tax Was Abolished From 1 January 2017.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2017-01-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Immovable Property Tax ↗

Non-resident rental-income taxCyprus Source Rental Income Can Be Taxable In Cyprus; Do Not Present A Single Flat Non Resident Rental Rate.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: nonresident_owner

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Individual Income Tax Return / Rates ↗Tax Department — Rental Income ↗

Short-term rental allowedYes — Short Term/Self Service Accommodation Is Allowed Subject To Tourism Registration Requirements.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Deputy Ministry of Tourism — Self-Service Accommodation Registry ↗

Property-based residency availableYes — A Qualifying Property/Investment Route Is Available Subject To The Investor Permit Rules.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Minimum property investment€300,000 Qualifying Investment, Plus VAT Where Applicable.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Mortgages for non-residentsYes — At Least One Current Public Cyprus Bank Product Explicitly Supports Non Permanent Residents, Subject To Underwriting.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: nonresidents

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Eurobank Cyprus — Holiday Home / Housing Loan ↗

Typical maximum LTVNo Verified Market Wide Typical Non Resident LTV. Product Samples Only: Eurobank Non Permanent Residents Up To 70%; Bank Of Cyprus Holiday Home Up To 70% For Permanent Residents; Ancoria Holiday Home Up To 65%.

Under review

Details

Eurobank: non-permanent residents up to 70%; Bank of Cyprus: holiday home up to 70% for permanent residents; Ancoria: holiday home up to 65%.

Applies to: all_buyers

Property types: all

Effective from: 2026-09-25T00:00:00.000Z

Last verified: 2026-09-25T00:00:00.000Z

Primary source:

Capital-gains tax20% Of Taxable Gain, Subject To The Statutory Calculation Rules And Exemptions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Capital Gains ↗

Inheritance taxCyprus Inheritance Tax: 0 For Deaths From 1 January 2000.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2000-01-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Deceased Estates ↗

Typical transaction timeNo Official Market Wide End To End Transaction Time Has Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Start with your task

What do you want to do?

Buy property Get residency Rent it out Get a mortgage Sell property Inherit or transfer

Important right now

Recent rule changes

Verified change

Cyprus abolished stamp duty on new contracts from 1 January 2026

New Cyprus property contracts signed from 1 January 2026 no longer incur stamp duty. Legacy documents signed by at least one party by 31 December 2025 remain under the previous regime.

Effective 2026-01-01T00:00:00.000ZSee what changed →

OwnASea Passport

Buying property

Can foreigners buy property?Yes — Non EU Buyers Normally Require District Administration Permission.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

EU buyers rulesEU Buyers Are Not Subject To The Current Non EU Acquisition Permission Regime.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: eu_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: EUR-Lex — Cyprus accession transitional property rules ↗

Non-EU buyers rulesNon EU Buyers Require District Administration Permission Under The Foreign Acquisition Regime.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: non_eu_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Acquisition of Immovable Property (Aliens) Law, Cap. 109 ↗Ministry of Interior — Purchasing Property ↗

Apartments allowedAllowed, Subject To The Applicable Foreign Buyer Limits For Non EU Nationals.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_buyers

Property types: apartment

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

Houses allowedAllowed, Subject To The Applicable Foreign Buyer Limits For Non EU Nationals.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_buyers

Property types: house

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

Land allowedFor Non EU Buyers, The Standard Permission Route Includes Land Up To 4,000 M² For An Owner Occupied Dwelling.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: non_eu_buyers

Property types: land

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

Government approval requiredNon EU Buyers Normally Need District Administration Permission; EU Buyers Do Not Fall Under The Current Non EU Permission Regime.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: EUR-Lex — Cyprus accession transitional property rules ↗Ministry of Interior — Purchasing Property ↗

Special-zone restrictionsA Separate Legal Risk Warning Applies To Property In Areas Not Under The Effective Control Of The Republic Of Cyprus.

Verified

Details

Do not merge this risk overlay into ordinary Republic of Cyprus ownership rules.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Foreign Affairs — Property in areas not under effective control ↗

OwnASea Passport

Buying costs

Buyer agent feeNo Universal Mandatory Buyer Agent Fee Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Legal costLegal Fees Are Market Based; No Official Universal Tariff Is Stored As A Country Fact.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Notary costNo Standard Mandatory Civil Law Notary Cost For Ordinary Title Conveyance; Certification May Still Be Required For Particular Documents Or Powers Of Attorney.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗Department of Lands & Surveys — Sale / Exchange ↗

Other mandatory costsAdditional Certificates, Clearances, Document Certification Or Transaction Specific Service Fees May Apply.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗Department of Lands & Surveys — Sale / Exchange ↗

Registration feeNo Separate Additional Purchase Fee: The 3% / 5% / 8% Title Registration Charges Are Part Of The Transfer/Title Registration Regime.

Verified

Details

Mortgage registration is stored separately under Mortgages.

Applies to: all_buyers

Property types: all

Effective from: 2026-09-25T00:00:00.000Z

Last verified: 2026-09-25T00:00:00.000Z

Primary source: Department of Lands & Surveys — Rights and Fees ↗

Stamp dutyNo Stamp Duty For Contracts/Documents Signed From 1 January 2026.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2026-01-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Repeal of Stamp Duty Laws ↗Tax Department — Stamp Duty ↗

Transfer taxTransfer Fee Uses 3% / 5% / 8% Bands; Where The Fee Applies It Is Generally Reduced By 50%, And No Transfer Fee Is Charged Where VAT Applies To The Same Transaction/Property.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗

Typical total buying costNo Single Reliable Percentage: VAT New Build And Transfer Fee/Resale Scenarios Differ Materially.

Verified

Details

Compute by scenario rather than hardcoding one market-wide percentage.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗Tax Department — VAT Rates ↗VAT legislation — reduced 5% principal residence framework ↗

VAT on new propertyStandard VAT Is 19%; Qualifying Principal/Permanent Residences May Benefit From The Reduced 5% Regime Subject To Detailed Statutory Conditions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: new_property

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — VAT Rates ↗VAT legislation — reduced 5% principal residence framework ↗

OwnASea Passport

Ownership costs

Annual property taxNational Immovable Property Tax: €0; The National Tax Was Abolished From 1 January 2017.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2017-01-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Immovable Property Tax ↗

Mandatory insuranceCommon Property Insurance Forms Part Of Jointly Owned Building Expenses; Lenders May Impose Separate Insurance Requirements.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: unit_in_jointly_owned_building

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Jointly Owned Buildings / General Meeting ↗

Mandatory maintenanceOwners In Jointly Owned Buildings Contribute To Necessary Maintenance, Repair, Restoration And Management Of Common Property.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: unit_in_jointly_owned_building

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Jointly Owned Buildings / General Meeting ↗

Municipal property taxLocal Municipal Property Charges May Apply And Vary By Municipality/Year.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Limassol Municipality — 2026 immovable property fee ↗Nicosia Municipality — 2026 immovable property fee announcement ↗Paphos Municipality — 2026 immovable property fee announcement ↗

Other recurring chargesSewerage, Stormwater, Water, Refuse And Other Local Charges May Apply Depending On Location/Property.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Larnaca District Local Government Organisation — 2026 sewerage bills ↗

Property wealth taxNo Separate Recurring National Wealth Tax On Property Confirmed In The Reviewed Official Material.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

OwnASea Passport

Residency

Citizenship direct from propertyNo — There Is No Current Direct Citizenship By Property Route.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Citizenship by Naturalisation ↗

Citizenship pathProperty Ownership Does Not Replace Cyprus Naturalisation Requirements.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Citizenship by Naturalisation ↗

Family includedSpouse And Qualifying Dependants Can Be Included Subject To The Published Conditions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Holding periodThe Qualifying Investment Must Be Maintained, Subject To The Published Replacement/Cancellation Conditions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Investment residency availableYes — The Investor Immigration Permit Route Is Available Subject To The Published Conditions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Location restrictionsNo Specific District/Location Threshold Was Identified In The Investor Permit Guidance; Ordinary Property/Legal Overlays Still Apply.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Minimum property investment€300,000 Qualifying Investment, Plus VAT Where Applicable.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Minimum total investment€300,000 Qualifying Investment; Separate Secure Income And Other Eligibility Requirements Also Apply.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

New-build onlyThe House/Apartment Category Uses First Sale Property; 'New Build Only' Is Not A Universal Rule For Every Qualifying Investment Category.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Ownership alone grants residencyNo — Owning Property Alone Does Not Automatically Grant Cyprus Residence.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Permanent residency possibleYes — The Investor Immigration Permit Is A Permanent Residence Route Subject To Continued Compliance.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Physical-presence requirementThe Permit Has Published Residence/Absence Conditions, Including Acquiring Residence Within The Required Period And Loss Risk After Prolonged Absence.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Property-based residency availableYes — A Qualifying Property/Investment Route Is Available Subject To The Investor Permit Rules.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Property gives residencyQualifying Property/Investment Can Support An Investor Permanent Residence Route; Property Ownership By Itself Is Not Enough.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Qualifying property typesQualifying Categories Include First Sale Residential Property And Specified Other Real Estate/Investment Categories Under The Current Investor Route.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

Work rightsEmployment Rights Are Restricted Under The Investor Route, With Specified Exceptions/Conditions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Migration Department — Immigration Permits for Investors ↗

OwnASea Passport

Renting & short-term rentals

City-specific rulesNo Verified City Specific STR Rule Is Loaded Yet; Use National Rules Unless A Genuine Local Difference Is Confirmed.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Local STR restrictionsNo Substantive City Specific STR Restriction Has Yet Been Verified For Limassol, Nicosia, Larnaca Or Paphos.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Long-term rental allowedYes — Long Term Rental Is Allowed And Rental Income Is Taxable Under The Applicable Tax Rules.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Rental Income ↗

Minimum rental periodNo National Minimum Stay Is Specified In The Current Self Service Accommodation Rules Reviewed.

Verified

Details

Do not infer that every municipality, private building, or planning zone permits every stay length.

Applies to: all_buyers

Property types: all

Effective from: 2026-09-25T00:00:00.000Z

Last verified: 2026-09-25T00:00:00.000Z

Primary source: Deputy Ministry of Tourism — Self-Service Accommodation Registry ↗

Platform reporting rulesDAC7 Platform Reporting Covers Platform Mediated Rental Of Immovable Property; Reporting Obligations Primarily Fall On Reporting Platform Operators.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — DAC7 ↗

Non-resident rental-income taxCyprus Source Rental Income Can Be Taxable In Cyprus; Do Not Present A Single Flat Non Resident Rental Rate.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: nonresident_owner

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Individual Income Tax Return / Rates ↗Tax Department — Rental Income ↗

Resident rental-income taxRental Income Is Subject To The Individual Income Tax System; There Is No Single Flat Rental Income Tax Rate.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Individual Income Tax Return / Rates ↗Tax Department — Rental Income ↗

Rental payment methodRent Relating To Cyprus Immovable Property Must Be Paid/Received Through The Prescribed Electronic Payment Methods From 1 July 2026.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2026-07-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Rental Income ↗

Short-term rental allowedYes — Short Term/Self Service Accommodation Is Allowed Subject To Tourism Registration Requirements.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Deputy Ministry of Tourism — Self-Service Accommodation Registry ↗

STR licence requiredA Registration Permit/Number Is Required For Self Service Accommodation.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Deputy Ministry of Tourism — Self-Service Accommodation Registry ↗

STR registration requiredRegistration With The Deputy Ministry Of Tourism Is Required For Self Service Accommodation.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Deputy Ministry of Tourism — Self-Service Accommodation Registry ↗

STR tax registration requiredTax/Business Registration Obligations Depend On The Operator And Applicable Tax/VAT Thresholds.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Self-service accommodation taxation ↗

Tourist taxNo Single National Tourist Tax Per Night Has Been Verified For Generic Self Service Property In This Pass.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

VAT on rentalVAT Treatment Depends On The Rental Activity/Type; STR And Ordinary Residential Letting Must Not Be Collapsed Into One Rule.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Self-service accommodation taxation ↗

OwnASea Passport

Mortgages

Age limitsBank Specific. Current Cited Eurobank Product Has Maturity No Later Than Age 65.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: specific_bank_product

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Eurobank Cyprus — Holiday Home / Housing Loan ↗

Currency optionsEUR Is Supported; Broader Non Resident Currency Options Remain Bank Specific/Under Review.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Foreign income acceptedBank Specific; No Market Wide Verified Rule Loaded Yet.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source:

Local bank account requiredBank Specific; No Universal National Requirement Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Local income requiredNo Countrywide Rule Requiring Local Income Has Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source:

Minimum down paymentA 30% Equity Contribution Is Implied By The Cited 70% LTV Product Example; It Is Not A National Minimum.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: specific_bank_product

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Eurobank Cyprus — Holiday Home / Housing Loan ↗

Minimum income rulesAffordability And Repayment Capacity Are Assessed; No Universal Cyprus Wide Minimum Income Amount Is Stored.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Central Bank of Cyprus — LTV / lending framework context ↗

Mortgage registration feeMortgage Registration Fee: 1% Of The Mortgage Amount Where Applicable; DLS Exceptions May Apply.

Verified

Details

DLS Rights and Fees includes exceptions for certain replacement/cancellation cases and locations.

Applies to: all_buyers

Property types: all

Effective from: 2026-09-25T00:00:00.000Z

Last verified: 2026-09-25T00:00:00.000Z

Primary source: Department of Lands & Surveys — Rights and Fees ↗

Mortgages for foreignersYes — Foreign Buyers May Obtain Mortgages Subject To Bank Eligibility And Underwriting.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Bank of Cyprus — Housing Loan ↗Eurobank Cyprus — Holiday Home / Housing Loan ↗

Mortgages for non-residentsYes — At Least One Current Public Cyprus Bank Product Explicitly Supports Non Permanent Residents, Subject To Underwriting.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: nonresidents

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Eurobank Cyprus — Holiday Home / Housing Loan ↗

Under review

Details

Eurobank: non-permanent residents up to 70%; Bank of Cyprus: holiday home up to 70% for permanent residents; Ancoria: holiday home up to 65%.

Applies to: all_buyers

Property types: all

Effective from: 2026-09-25T00:00:00.000Z

Last verified: 2026-09-25T00:00:00.000Z

Primary source:

Typical mortgage termNo Verified Market Wide Non Resident Term. Current Eurobank Example: Up To 25 Years.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source:

OwnASea Passport

Selling

Capital-gains exemptionsMultiple Exemptions/Allowances Apply. Current 2026 Lifetime Allowances Include €30,000 General, €50,000 In The Qualifying Farmer/Agricultural Case And €150,000 For A Qualifying Main Residence.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Capital Gains ↗

Capital-gains tax20% Of Taxable Gain, Subject To The Statutory Calculation Rules And Exemptions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Capital Gains ↗

Currency controlsNo General Exchange Controls; Remaining Controls Were Abolished From 1 May 2004.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2004-05-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Central Bank of Cyprus — Capital movement history ↗

Exit taxNo Separate Property Specific Exit Tax Has Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Foreign owner can sell freelyGenerally Yes, Subject To Ordinary Title, Tax, Encumbrance And Transfer Requirements.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_owner

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗

Minimum holding periodNo General Minimum Holding Period Has Been Verified For Ordinary Sale; Some Exemptions Have Their Own Holding/Use Conditions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Capital Gains ↗

Repatriation of sale proceedsGenerally Permitted, Subject To Tax, Banking And AML Compliance.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Central Bank of Cyprus — Capital movement history ↗

Seller transfer costsSeller Costs Can Include CGT If Applicable And A 0.40% Equal Distribution Of Burdens Levy On Qualifying Sale Consideration, Plus Required Clearances/Transaction Costs.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Capital Gains ↗Tax Department — Equal Distribution of Burdens Levy ↗

Non-resident withholdingNo General Non Resident Seller Withholding Rule Has Yet Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

OwnASea Passport

Inheritance & gifting

Children rulesChildren May Have Statutory/Reserved Share Rights Under The Applicable Cyprus Succession Framework.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: European e-Justice — Cyprus Succession ↗

Forced-heirship rulesCyprus Succession Law Contains Reserved Share Protections; Cross Border Applicable Law Rules Can Affect The Result.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: European e-Justice — Cyprus Succession ↗European e-Justice — Restrictions on Succession / Cyprus ↗

Foreign will recognizedA Foreign Will May Be Recognised Subject To Applicable Succession Law And Formal Validity Rules.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: European e-Justice — Cyprus Succession ↗

Gift taxDo Not Show One Flat Gift Tax Rate; Tax And DLS Treatment Depends On The Relationship And Transaction.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Gift ↗Tax Department — Capital Gains ↗

Inheritance by non-residentNon Residents Can Inherit, Subject To The Applicable Succession And Registration Process.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: nonresident_heirs

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Acquisition of Immovable Property (Aliens) Law, Cap. 109 ↗European e-Justice — Cyprus Succession ↗

Inheritance of land by foreignerA Foreigner Can Acquire Immovable Property By Reason Of Death; The Cap.109 Permission Restriction Contains An Inheritance Exception.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: foreign_heirs

Property types: land

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Acquisition of Immovable Property (Aliens) Law, Cap. 109 ↗

Inheritance taxCyprus Inheritance Tax: 0 For Deaths From 1 January 2000.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Effective from: 2000-01-01T00:00:00.000Z

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Deceased Estates ↗

Local will recommendedA Cyprus Will May Be Useful In Some Cases, But It Is Not Stored As A Universal Statutory Requirement.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: European e-Justice — Cyprus Succession ↗

Probate requiredEstate Administration/Court Process Is Required For Distribution Under The Cyprus Succession Framework.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: European e-Justice — Cyprus Succession ↗

Spouse rulesSpouse Rights Depend On The Family Situation And Applicable Succession Rules; Do Not Show One Universal Percentage.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: European e-Justice — Cyprus Succession ↗

OwnASea Passport

Transaction process

Typical depositNo Official Market Wide Reservation/Deposit Percentage Has Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Due diligence requiredA Recent Search Certificate Is Mandatory For Qualifying Post 12 Dec 2023 Sale Contracts; Broader Due Diligence Extends Beyond That Statutory Step.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Contract of Sale / Specific Performance ↗

Foreign-permission processing timeOfficial Guidance States Approximately 2–3 Weeks For The Non EU Acquisition Permission Process.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: non_eu_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Ministry of Interior — Purchasing Property ↗

Lawyer requiredNo Blanket Statutory Requirement To Employ A Lawyer For The Standard DLS Conveyance Has Been Verified; Independent Legal Advice Remains Prudent.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗

Local bank account required for transactionNo Universal Property Law Requirement For A Cyprus Bank Account Has Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Notary requiredNo — Standard Conveyance Is Handled Through The Department Of Lands & Surveys, Although Specific Documents May Require Certification.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗Department of Lands & Surveys — Sale / Exchange ↗

Power of attorney allowedYes — Authorised Representation/Power Of Attorney Can Be Used Subject To Form/Certification Requirements.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗

Property registry requiredYes — Title Transfer/Registration Is Handled Through The Department Of Lands & Surveys.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗

Purchase-contract registrationDepositing The Sale Contract With DLS Can Activate Statutory Specific Performance Protections; It Is Distinct From Final Title Transfer.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Contract of Sale / Specific Performance ↗

Remote purchase possibleSubstantial Remote Handling Is Possible Through Authorised Representation, But Do Not Present Every Transaction As Guaranteed 100% Remote.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗

Tax number requiredA TIN Is Required For Tax Registration/Processes, But The Reviewed Official Material Does Not Support Presenting It As A Universal Prerequisite To Signing The Sale Contract.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Tax Department — Tax Identification Number registration ↗

Typical transaction timeNo Official Market Wide End To End Transaction Time Has Been Verified.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

OwnASea Passport

Due diligence

Building-permit checkYes — Building Permit Status Can Be Checked Through The Official Permitting Framework.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Gov.cy — Building Permits ↗

Debts follow propertyDo Not Reduce To Yes/No: Mortgages/Encumbrances Can Affect Title, While Taxes/Local/Utility Clearances Are Separate Transaction Issues.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗Department of Lands & Surveys — Sale / Exchange ↗

Developer checkNo Single Universal Official Developer Reliability Register Has Been Mapped Yet.

Under review

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Encumbrance check availableYes — The DLS Search Certificate Can Include Encumbrances And Prohibitions.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗

Occupancy-permit checkUse The Cyprus 'Certificate Of Approval' Terminology Rather Than Assuming A Generic Occupancy Permit Label.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Gov.cy — Building Permits ↗

Planning-status checkYes — Planning Status/Permissions Are Handled Through The Official Planning Framework Including IPPODAMOS.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Gov.cy — Planning Permits ↗

Registry onlineDLS E Services/Search Certificate Applications Are Available Online, But This Is Not An Unrestricted Open Public Title Database.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗

Title check availableYes — DLS Title/Property Search Mechanisms Are Available.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Property Search Certificate ↗

Utility-debt checkRelevant Local/Water/Utility Clearances May Be Part Of The Transfer Process Depending On The Case.

Verified

Details

Current Passport value from the OwnASea data layer.

Applies to: all_buyers

Property types: all

Last verified: 2026-09-24T00:00:00.000Z

Primary source: Department of Lands & Surveys — Sale / Exchange ↗

National vs local

Local / city rules

LarnacaOpen local passport →LimassolOpen local passport →NicosiaOpen local passport →PaphosOpen local passport →

Facts, not rankings

Compare with other countries

Compare two to four markets using the same current Passport facts. OwnASea does not rank or select a winner.

Open comparison →

Social Radar

What buyers are asking

Buyer questions will appear here when relevant Social Radar coverage is published.

Latest coverage

News, analysis and investor watch

Relevant editorial coverage will appear after publication.

Evidence first

Sources & verification

Key rules shown on this page come from the Passport data layer. Official sources are listed first; discovery sources are not used as sole legal authority.

General information

OwnASea provides general informational guidance based on available verified sources. Rules can change and individual circumstances differ. Verify significant legal or tax decisions with an appropriate professional or official authority.