From spectacular mountain peaks to beautiful beaches, Cyprus has it all. Whether you’re in search of complete tranquility or exuberant night- life, sporting pleasures or cultural riches, ancient history or cutting-edge technology, Cyprus is the perfect location for a second home, permanent residence or sound property investment. The fabled birthplace of Aphrodite and playground of the Gods, Cyprus has a history spanning some 11,000 years. The island’s colourful past, together with its strategic location at the crossroads of three continents, has created a country of unique character and tradition – and a people renowned both for their resilience and for their warm, spontaneous nature. From independent travellers to honeymooners, nature lovers to archaeol- ogy a cionados, every visitor to Cyprus enters a world in which there are always new joys to discover. And with a climate that guarantees more than 330 days of sunshine a year, magni cent scenery and a culture famous for its hospitality, a relaxed and rewarding lifestyle is a promise that Cyprus always keeps. For property investors, the island’s many attractions are underpinned by a thriving, stable economy well equipped to serve the international community. Just some of the reasons why so many people choose Cyprus not only as a holiday destination, but also as their permanent home or as a secure place to establish their business.

At all times, people who have received an education abroad are respected and highly appreciated. We knows that quality international education abroad is a valuable, long-term and a solid asset in every time, which is not affected by social, economic and political changes. Good education abroad is generally associated with considerable costs. Fortunately, this is a conviction of yesterday now. With development of information technology, progress in communications and overall improvement of living standards, education abroad has become more accessible and closer. In recent years, universities of Northern Cyprus have been gaining popularity. This is a result of the targeted development of domestic educational system as an alternative to education in Great Britain and USA. The leading universities of these countries and today does not lose leadership positions, but high costs of education along with high expenses for housing and living itself - sometimes are an insuperable obstacle to achieving the goal for many. Universities of Northern Cyprus distinguish favorably with the best combination of price and quality.  The education system in Northern Cyprus is based on British and American one (depends on the institution), therefore in most of the educational institutions there the educational process is maintained by highly qualified lecturers and professors with native and fluent English, giving to the students an advanced knowledge and firm grasp of their future areas of expertise. Northern Cyprus is a place where you can get an international education (undergraduate and postgraduate), which is valuable in many countries of Europe and America. For you, your son or daughter to receive a quality education in Northern Cyprus means: Financial affordability for any social layers; International diploma recognized in other countries; Studying in English. Achievement of excellent proficiency and fluency in English; Highly qualified multinational academic staff Certain advantages at employment for a prestigious job over candidates who does not have international education abroad; Meeting new friends, interesting people and useful acquaintances for future; Living and studying in multicultural environment; Expansion of an outlook and shaping of a more flexible level of thinking; Daily facing and expanding the knowledge of history, life and traditions of another countries; Living in warm and sunny Mediterranean climate. These are just some of the advantages distinguish the educational institution of Northern Cyprus. Education abroad is a safe investment in the future with high interest!

Medical Care The availability and the standards of medical care in North Cyprus are extremely high. This always seems to be quite a pleasant surprise for all visitors as well as those that have settled permanently in North Cyprus (TRNC). There are quite a number of well equipped private clinics and hospitals in North Cyprus. As well as state run hospitals, surgeries and emergency medical facilities. There are also well-equipped dentist surgeries and opticians as well as other alternative healthcare practitioners. The treatment people have received for every complaint from cancer to car crash injuries, to emergency dental treatment. The medical care in North Cyprus has been described as just as good as in the UK. In some cases better. Always far cheaper than was expected and of a very high standard with excellent equipment used and qualified staff always readily available, But without the normal long queues, we have become accustomed to in our homeland. The main populated locations in Northern Cyprus of Gazimagusa (Famagusta), Girne (Kyrenia), Guzelyurt (Morphou) and Lefkosa (Nicosia). All have private and state run hospitals and these are the locations where you will find the majority of doctors, dentists, opticians and even alternative health care practitioners. Emergency In the case of an emergency, the number to call for an ambulance in North Cyprus is 112. Alternatively, make your own way to the nearest hospital or healthcare clinic for immediate treatment. Where no one will be refused emergency care whether they have the financial means to pay for it or not. The Buzz Book and North Cyprus Yellow Pages both have lists of every medical care practitioner you could possibly need or want in Northern Cyprus. Health Insurance is not compulsory in Northern Cyprus at the moment although the government have been discussing plans to implement a compulsory scheme. The proceeds from which would go to improve the medical facilities across the island. Useful contact numbers are: Ambulance – 112Fire            – 199Police        – 155Kyrenia Hospital        – +90 392 815 2266Nicosia Hospital        – +90 392 228 5441Famagusta Hospital   – +90 392 366 2876Guzelyurt Hospital     – +90 392 714 2125Health Care Advice from 8am to 11pm – +90 392 815 4929 or +90 542 886 2955 Pharmacies in North Cyprus are well known for selling almost every single prescription drug you can think of. The cost of medicine is again far cheaper than you would expect to pay in the UK, Spain or Germany for example. – As is the cost of having an eye test, getting glasses or having a dental check-up. On a final note. There are very limited numbers of nurses in Northern Cyprus because Turkish Cypriots are incredibly family orientated. If someone is hospitalized then it is expected that their family will take care of them. They will perform the basic nursing duties such as changing bed linen, assisting with bathroom antics etc. For those thinking of relocating to North Cyprus alone or with just their spouse. This can sometimes seem like quite a daunting prospect to potentially face.  Well, the expatriates here in North Cyprus have thought of that and there’s a network of friendly people who provide hospital and home help assistance should the need ever arise.

Regardless of whether you are looking to acquire a private or a commercial immovable property in Northern Cyprus, it is our firm’s priority to provide you with the best possible service and to see you through every step of the process. We ensure that you are well cared by us, whatever may come up. Additionally, when buying immovable property in Northern Cyprus you want to ensure that the purchase proceeds without any unexpected suprises by knowing a few basic facts: Under the new laws of the Turkish Republic of Northern Cyprus non- TRNC citizens are entitled to take title to only one property up to a maximum area of 5 donums per household providing that the property only consists of one dwelling. Under the government previous policy, spouses were considered as a single household and were only entitled to purchase one property between them. However, officials at the Ministry of Interior have confirmed that this policy has been changed and that spouses can now individually purchase one property each. The conveyancing procedure starts with an initial meeting with the lawyer to give information about the Property you have chosen; details of the Property, price of the property, payment schedule, any informal agreements you have reached with the Vendor and included items. At this stage we also take special Power of Attorney; which is only for purchase of immovable property in north Cyprus, from you to make sure that we can act for and on behalf of you in your purchase if you are living away from Northern Cyprus. Then a Contract of Sale will be prepared that designed to ensure that your interests are protected as far as possible. Once all parties (the Seller and the Buyer) have approved the draft contract it will be signed and exchanged. Every page including the appendixes should be initialed and the Contract of Sale should be witnessed. You should retain one copy of the original Contract of Sale and keep it safe. Please pay attention to inspect the specifications attached to the Contract, as any verbal agreement prior to or subsequent to the Contract of Sale shall be deemed to be not included in the agreement. Under law 38/07 contracts must be deposited with the Land Registry Office within 21 days of the contract date and it is now compulsory for the stamp duty to be paid at the rate of %0.5 before registration can take place. Once the contract of sale is registered, the property is protected for being sold to any other third party and the Contract will take priority over any subsequent encumbrance. Then the application to the Council of Ministers will be made since any purchase of any immovable property by non - TRNC citizens must be sanctioned by the Council of Ministers under the Law 52/2008. Title deed, site plan copy, purchase permit application form filled by you, police clearance certificate obtained from the local police station at your residency should be provided to Ministry of Interior along with the application. The permission is not required for entering into a contract but rather for transfer of title. Whilst processing your purchase permit application, the Council of Ministers will take searches from the land registry, the military and the immigration authorities. Provided that these are positive the permission will be granted. The permissions are granted in the majority of the applications with the main reasons for refusal in rare cases being due to the location and proximity to a strategic military installation or criminal history of the purchaser at the Interpol level. The permission process can take a long time to complete; the current estimation is around 6 months. However, this will not prevent you from moving into the property or leasing the property or possibly even selling the Property – as standard practice we usually make sure that the contract is assignable. Once your purchase permission has been granted, all the necessary valuation forms will be filled out for the valuation of the property. The taxes due on the transfer of title will be paid and the title deeds will be registered in your name(for the taxes due on transfer of title please refer to our guidance for Taxes for Property Transactions). If you designated us as your Power of Attorney for the attended exchange you do not need to be present at the Land Registry Office and we will attend on your behalf. When it comes to taking delivery of your house, if it is not finished within the scope of your contract, you may refuse to take delivery. Should you wish to take delivery of the house subject to completion of missing/defective work thereafter, you must obtain signed undertaking from the Vendor to make sure that taking delivery does not amount to forbearance. You can move into the Property under your Contract of Sale and no additional documentation is necessary. Please make sure that you keep all your receipts/bank receipts for the payments made under the Contract.   Guindance for Taxes for Property Transactions There are three main taxes involved in any property sale transaction (different taxes apply to gifts of property). These taxes are: ​- The transfer fee which is payable to Land Registry Office ​- The capital gains tax which is payable to the Tax Office ​- The VAT which is payable to the Tax Office The capital gains is usually payable by the vendor and the transfer fee is usually payable by the purchaser (although this can be varied by the parties in the Contract of Sale). VAT, however, is subject to the terms of the Contract of  Sale agreed between the parties (i.e. whether or not the sale price includes or excludes VAT). The amount of tax levied depends on whether or not the vendor is a ‘professional vendor’ (i.e. whether the transaction is of a commercial nature or for profit). The table below indicates the percentages levied accordingly. The percentages for all three types of tax are percentages of assessed value of the property which is carried out just before transfer of title takes place. The valuation assesses the property in the state it is in at the date of the valuation i.e. if there is a new construction on the property, this will be included in the assessment of the value of the property.  TRANSFER FEE The transfer fee payable is 6% upon Land Registry’s valuation of the property purchased with the option to pay 3%. Once this option right is used, the fee payable is 6% for future transfers. VAT FOR PROPERTY TRANSACTIONS – Frequently asked questions 1. VAT is levied only on sales where the vendor is a ‘professional vendor’. Who is a ‘professional vendor’? A professional vendor is a limited company or a person who has sold more than three properties within one year or a person who is deemed to be in the business of construction or real estate and is deemed to be a professional vendor. 2. What is the rate of VAT? The rate of VAT is 5%. 3. Will I have to pay the new increased rate even though the rate was lower when I signed my Contract? Unfortunately, the VAT is payable at the rate in force when the transfer of title takes place. Even if you signed your contract and/or took possession of your property before the VAT rate was increased, if the title to the property has not yet been transferred into your name, you will pay VAT at the new rate when this transfer takes place. 4. Will I have to pay VAT on my property purchase? In determining whether you will be liable to pay VAT on your property purchase, you need to establish the following: ​- whether the vendor is a professional vendor as defined above ​- whether your contract requires you to pay the VAT. Where the contract does not expressly mention VAT, it is our opinion that the purchase price shall be deemed to be inclusive of VAT.   CAPITAL GAINS TAX – frequently asked questions 1. Will I have to pay Capital Gains Tax on my purchase? Generally, no. Capital Gains Tax is usually paid by the Vendor, unless otherwise stipulated in your contract. 2. Will I have to pay Capital Gains Tax on the sale of my property? If so, how much will this be? This depends on whether you are a private individual or a professional vendor (as defined above): Every private individual has a once in a lifetime tax free sale option (for a house and land not exceeding approximately 1 donum). If you use this use this option, you will not be liable to Capital Gains Tax on that sale. On all subsequent sales, Capital Gains Tax will be payable at 3.5%, provided you do not sell more than 3 properties in one year, making you a professional vendor. For professional vendors, there are no tax exemption rights. Capital Gains Tax is payable on every sale at a rate of 6.25%. 3. What if I sell my property before taking title? Will I still have to pay Capital Gains Tax? Capital Gains Tax is not payable if you sell the property before taking title by doing an assignment of contract. However, you will have to pay stamp duty on the contract which is charged at 0.005% of the contract value, if you pay within 2 months of signing the Contract of Sale. This amount is multiplied by 2 if you pay within 2 to 6 months of signing the Contract and is multiplied by 3 if you pay after this period.

General Information: Citizens of countries that have a representatve ofce in the TRNC and the citzen s of the EU countries must have a passport valid for at least 2 months upon inital entry into the TRNC. Citizens of other countries must have a passport valid for at least 6 months in order to apply for a visa upon arrival to the country. The length of stay granted at the designated ports and border crossings of the TRNC cannot exceed 90 days within a period of 180 days. TOURIST VISA Those who come to the country for touristc visits and plan on stay ing at a hotel or other accommodaton facility and t hose who have rented a dwelling for this purpose and declare this, can be issued a visa for a maximum of 30 days. If they can submit documents showing that a prior payment has been made for accommodation, a visa up to 90 days may be granted. RESIDENCE PERMIT VISA The following types of visas may be issued to foreigners who will enter the country in order to apply for one of the residence permit types. • Visa for Family Residence Permit: Foreigners who will apply for a family residence permit can be given a visa for this purpose up to 90 days upon their arrival. • Visa Due to Ownership of Immovable Property: A visa can be issued up to 90 days for those who have a ttle deed document indicatng that they own an immovable property. • Visa for Student Residence Permit Application: Foreigners who come to the country to obtain a student residence permit may be granted a 60 day visa upon submission of a student registraton or pre-registration certfcate. • Visa for Judicial and Administratve purposes: Those who come to the country upon the request or decisions of judicial or administratve authorites may be granted a valid visa for the term of their duty. • Visa for Scientfc Research: Those who come to the country for scientfc research purposes m ay be granted a valid visa for the duraton of the research. • Visa for Graduates from Universites in the Country: Students who have studied and graduated from any of the two - year higher educaton programs or have studied at least 3 years in any of the four - year higher educaton programs in the TRNC can be granted a visa valid for 30 days.  

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