Cyprus Property & Mortgage Calculator

Transfer fees generally apply when VAT is not charged. The calculator uses the standard 3% / 5% / 8% bands and applies the current 50% reduction.

New-build VAT depends on the property and buyer circumstances. Automatic mode uses a conservative 19% estimate. A qualifying primary residence may receive 5% on an eligible portion, with the remainder potentially taxed at 19%; the exact calculation depends on property details and Tax Department eligibility.

The calculator keeps property-purchase permission separate from the optional investor-residency route. For third-country nationals, €300,000 is a fast-track residency threshold — not a minimum property price for simply buying in Cyprus.

Choose a mortgage or outright purchase. Mortgage results use the selected rate and term; cash purchase results show the property price plus the estimated buying costs you may need upfront.