Tool · Financing
Model the monthly.
A quick estimate — price, deposit, rate, term. Cyprus lenders typically offer 60–70% loan-to-value at 3.5–4.8% for foreign buyers. Final terms depend on your lender.
Result
Loan amount
€400,000
Total interest
€246,731
Total repayment
€646,731
Monthly payment
€2,156
Notes
Honest numbers,
before you sign.
LTV & deposit
Foreign buyers typically require a 30–40% deposit. Cypriot residents may access up to 80% LTV.
Rates
Variable rates track ECB base + margin. Fixed-rate periods of 3–10 years are widely available.
Fees
Budget ~3% for transfer fees, stamp duty and legal — reduced with 5% VAT on qualifying primary residence.
Reduced VAT
Primary residence up to 130 m² qualifies for 5% VAT instead of 19%. We confirm eligibility in writing.
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