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    Apartment

    €139,000

    Apartment in Universal, Paphos

    PAPHOS
    1 bedroom
    1 bathroom
    46 m² interior

    Features

    • Air Conditioning
    • Parking
    • Aircondition
    • Split system
    • Parking
    • Covered
    • Luxury specifications
    • Kitchen appliances
    • Investment opportunity
    • Fitted wardrobes
    • Heart of city center
    • Easy access to main roads
    • Easy access to highway
    • Energy efficient doors/windows

    Property description

    Located in the highly sought-after area of Universal, this lovely one-bedroom apartment enjoys a prime position close to all amenities, the Old Town, and Kato Paphos. Schools, supermarkets, shops, and services are all within easy reach. Situated on the ground floor, the property benefits from its own covered parking space with convenient drive-through access. A standout feature is the large, exceptionally private outdoor patio area, finished with artificial grass, providing the perfect setting for relaxation, al fresco dining, entertaining, or a variety of other uses. Upon entering, you are welcomed into a bright and stylish open-plan living space featuring a contemporary, high-spec design. The layout seamlessly combines the living room, dining area, and fully equipped modern kitchen, creating a comfortable and functional environment. A hallway leads to a modern bathroom fitted with a shower and contemporary sanitary ware. The property is completed by a spacious, airy, and immaculate bedroom. This apartment is an excellent choice as a permanent residence, holiday home, pied-a-terre, investment opportunity, or rental property. Key Features: ??Prime location in Universal area ??Ground floor apartment ??Covered private parking ??Large private patio with artificial grass ??Modern open-plan living area ??Fully equipped contemporary kitchen ??Stylish bathroom with shower ??Bright and spacious bedroom ??Close to schools, supermarkets, Old Town, and Kato Paphos ??Ideal for personal use or investment ?Conract us for more information or to schedule a viewing.

    Location

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    Approximate area: PAPHOS

    Kornilia Chrysostomou✓

    Agent

    Agency ref: 1346

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    Mortgage calculator

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    Estimate monthly payments, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.

    Beta feature — indicative estimates only, not financial or legal advice.

    Cyprus mortgage estimate
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    Last updated: 24 May 2026

    Mortgage calculator for this property

    Estimate the loan, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.

    Listing price€139,000

    Recommended max LTV: 80%. Cyprus banks commonly finance up to 80% of the property value for an owner-occupied primary residence.

    Resale property selected. VAT is estimated at €0 and transfer fees may apply because VAT is generally not payable on resale properties.

    First-time buyer status is informational only here; it does not change the payment, transfer fees, stamp duty, or mortgage registration estimate.

    Reduced 5% VAT depends on a main-residence declaration, property size/value limits, and Tax Department eligibility.

    sqm

    Use only if the planning-permit and declaration deadlines apply.

    €27,800 deposit80% financed
    %
    years
    Cyprus fee assumptions
    • Transfer fees are estimated at 3%, 5%, 8% bands, then 50% reduced when VAT is not paid.
    • Transfer fees are estimated from purchase price and VAT treatment only; buyer ownership status does not change them here.
    • No transfer fee is estimated when VAT applies to the transaction under current Land Registry practice.
    • Mortgage registration is estimated at 1% of the mortgage amount.
    • Stamp duty is shown as €0 because stamp duty was abolished for agreements from 1 January 2026.
    Details buyers normally need
    • ID/passport, proof of address, tax details, and source-of-funds evidence.
    • Recent payslips, employment contract, accounts for self-employed buyers, and bank statements.
    • Sales agreement, valuation, title deed or planning documents, insurance, and deposit proof.
    • Ask the bank which first-home products and documents apply.
    Before applying

    Estimates are indicative only and do not constitute financial advice or a lending offer. Actual lending decisions, fees, VAT treatment, and affordability assessments depend on the individual bank, the Tax Department, the Department of Lands and Surveys, and the buyer's personal circumstances.

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