€850,000
House, Larnaca, Livadia
Condition
Resale
Energy
NA
Features
- Parking
Property description
A modern villa for sale, built using high-quality building materials. Double glazed windows keep you warm in winter and cool in summer. Underfloor heating is installed throughout the house. Fully equipped bathrooms, closets, kitchen. The house has a huge roof terrace with panoramic views and a separate room that can be used as an additional bedroom, office or gym. Garage for two parking spaces, outdoor shower, barbecue area. Cameras and motion sensors are installed. The house is located at the end of a residential complex, a quiet area. Next to the house there is a green space of 40 m2, which can be accessed through the gate. The owners of the house are allowed to grow plants and trees, creating for themselves a beautiful garden overlooking the lush green hills. It is 5 minutes to the center of Larnaca, 3 minutes to supermarkets and 10 minutes to the Metropolis Mall.
Location
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Mortgage calculator
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.
Beta — mortgage estimates only
Mortgage calculator for this property
Estimate the loan, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.
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.
Use only if the planning-permit and declaration deadlines apply.
- 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.
- 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.
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.