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Guide · Cyprus
Buying property in Cyprus
How the purchase works step by step, what it costs and what to check – explained simply, for buyers from Poland and the EU.
01
Who can buy
Citizens of the European Union, including Poland, can buy property in Cyprus on the same terms as Cypriots – no extra permit is needed. Buyers from outside the EU also can, but they need a permit from the district office; in practice it is a formality for one home or one plot.
02
Step by step
- Choice and reservation – we show properties online or on site and reserve the one you choose, usually with a small reservation deposit.
- Your own lawyer – an independent Cypriot lawyer checks the title deed, permits, debts and the contract. Never sign without one.
- Contract and Land Registry – after signing, the contract is deposited at the Land Registry. This protects the buyer: the property cannot be sold or mortgaged to someone else.
- Payments – for resale usually in one or two payments; for new builds in instalments as construction progresses.
- Title deed and handover – you receive the keys and, when issued, the title deed in your name.
03
Taxes and fees when buying
| Cost | How much |
|---|---|
| VAT (new builds) | 19% of the price. A reduced 5% rate may apply to a first home that will be your main residence, within area and value limits – your lawyer confirms whether you qualify. |
| Transfer fee (resale, when no VAT is paid) | 3% up to €85,000, 5% from €85,001 to €170,000 and 8% above – currently reduced by 50%. |
| Stamp duty | 0.15% up to €170,000 and 0.2% above, maximum €20,000. |
| Lawyer | Agreed individually, usually a small percentage of the price. |
04
Owning and renting out
There is no annual property tax in Cyprus – it was abolished in 2017. You pay small local fees, utilities and, in complexes, a monthly maintenance fee for the pool and common areas. Rental income is taxable; the rules depend on where you are tax resident, so plan it with an accountant.
05
Why Paphos
Paphos has its own international airport, a UNESCO-listed old town, long beaches and over 300 days of sun a year. It is popular with families and with buyers who rent their apartments to holidaymakers. Geroskipou, the eastern part of Paphos, is one of the fastest-growing residential areas.
General information, current as of November 2026 – not legal or tax advice. Rates and rules can change; your lawyer confirms them for your purchase.
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Karol will answer your questions and recommend an independent lawyer in Paphos.
