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Meu 3

Hi Nigel, My wife and I applied for a meu 1 form a couple of months ago, thinking this was the correct thing to do after attending a High Commissioner meeting locally. We do not want to be permanent residents, but spend q ...



Local government pension

Hi Nigel, I’ve taken my small pension early and was wondering what best to do with regards paying tax on it. I’m not a pensioner and won’t be for another 12 years. (Unless they move the goal posts!!) So, not sure whether t ...

Tax Advice

Looking for an English tax advisor in the Ayia Thekla area for advice. ...

Selling

Hi Nigel If we use estate agents to sell our property, can we also sell privately or would we still have to pay an estate agents commission? ...

Cyprus Income Tax

Hello Nigel, Can you or anyone remember if that in the Cyprus Mail or perhaps in the forum that the Cyprus Goverment were going to review the pesonal tax threshold during the not too distant past, from 19500 Euro to 21000 ...

Town planning application query

Strange question, but here we go.
Background.
ICE Developers (Now bankrupt) built the TJ Complex of ten townhouses with a communal pool and three private villas
Photo here
I am chairman of the complex ...

Communal fees

Hi are all feels the same we are in a block with bigger apt and balconies and we all pay the same is this correct thank you ...

arrears in communal payments

Hi Nigel we are a small block of 11 and fortunately everyone has paid their maintenance until now. We were wondering if one apartment is refusing to pay communal fees, can we legally then, tell them they should not be usin ...





joint names to single no deeds

looking for advice if anyone been thru before or can suggest lawyer to help my soon to be ex husband and i bought cy property 12+ years ago still no title deeds we only have a bill of sale copy original with electric wont gi ...

Transfer of property & deeds to our daughter

Does anyone know if it is possible to legally transfer our title deeds to our daughter and if so has anyone done this and knows what this entails ? We presume that we will need a lawyer for this ? Any help or suggestions wel ...

Cyprus Income Tax

Hi Nigel Silly question? My UK pensions are paid into a uk bank, but I only transfer a monthly sum to Cyprus to cover my living expenses. Should I declare all my pension income, or only the transferred element? I'm a Cypr ...

Enclosing Patio to make extra room

Hi Pat
I don't know about 'buying' extra covered area, but you will certainly need planning permission.
If it's an apartment I think it unlikely that you'll get permission as it will change the outward appearance ...

Giving my daughter our house in Cyprus as a gift

Hi Nigel how easy is it to transfer our Cyprus home to our daughter as a gift ...

Land deeds

Hi Murch It should be possible for the Land Registry to include your house on your land deed. The only reason I can think why the Land Registry is reluctant is that your deed shows you have a share in the land and not ...

forming a commitee

hi nigel help needed we now have to form a commitee on our complex always paid fees to a third party now it is going to be managed by us so we are now going to form a commitee we have a date to have owners meeting trying to ...



Communal fees

Hi Nigel If my apartment is 62 metres and 6 metre patio and the ones above me are 66 metres and 21 metres patio should we be paying the same ? And how much should we be paying. Thank you in advance Rachel ...

Empty House

Hi Nigel sorry to bother you again about the empty property adjoining our property.As I said before it is in a terrible state and is bringing down the complex. We know that it belongs to Alpha Bank but they say they can’t ta ...

Live Q&A and GESY

Hi Nigel,
Reading the transcript of the live Q&A with the High Commissioner you posed a question re GESY:-
Quote:According to GESY website, only those with a ‘permanent residence permit’ will be entitled to b ...

Website for legal advice

Are there websites which will allow you to ask questions about legal issues and where lawyers will make a offer to answer for a fee? Basically an auction on legal advice for simple questions like e. g. : - Will I need wit ...

Communal Fees

Is it against the law to pay communal fees to the developer when work is not being done and there is no committee . He own about 50 plus apartments that are empty. And some are being rented ...

Deeds

Is anyone with karayannas in Paralimni. When are we getting our deeds if ever ...

Complex

Hi Nigel. We pay our changers every year at €513 . All we get is the pool lights around the pool and the cleaners take the water from the pool to clean once a week . They only clean the floors. We’ve had no lifts. Months no ...



Transfer fee costs

hi Nigel.once I have deeds is there a charge by the land registery to transfer a property into say a niece or nephews name .regards palmtree ...

Share of the land

Hi nigel.Can you tell me how i can obtain a share of the land.We have an SNK property and wish to sell.Ive spoken to the Bank of Cyprus and they have no interest in our property as we paid in full but its stopping people wa ...

Land Deeds

Hi Nigel, I have been looking to buy a house in Larnaca, but only with Title Deeds. Some of the places are mentioned as having Deeds for the Land, could you tell me what the difference is. I am a bit wary as I do not under ...

Power of attorney

Hi, my husband and I are joint owners of a property with title deeds. We live in U K, but I visit the property as often as I can. My husband is not in good health and can no longer travel. I have been advised to get a P O ...

Joint Ownership of Property

I will be purchasing a house in the near future and wish it to be in the names of my daughter, son and myself. My daughter and son do not live in Cyprus, can this be done. ...

Swiss franc mortgage

Hi Nigel I notice there is not much on the forum about those people who were affected by the Swiss franc mortgage scandal. Has anyone actually won a case against the banks, or have people just given in ? ...

Capital Gains Tax

Nigel,
Am hoping you can give some advice.
I was under the impression that with Capital gains tax was calculated as follows "The €17,086 deduction rises rises to €85,430 if the property has been the main residen ...



Number of members in a complex management committee

We currently have 6 members in our management committee (was 7) but it has been pointed out to us recently by one of our owners than the Immoval Property Act 1993 says it should be a maximum of 5. I can appreciate it is ...

Bank of Cyprus Advice

Hi Nigel, Looking for some advice before I escalate my complaint with BoC. It is very clear that a mistake has been made on my housing loan and they are saying it is a clerical mistake but when it involves the previously ...

Will we ever get our Deeds

I live in one of 2. blocks built and occupied in 2007, The developer run out of money before the contract had finished leaving the street lighting and the final surface of the road to complete. We were informed that these i ...

Issue of title deeds

Hi, I have just spoken to the land registry and they informed me that my deeds will be ready in 10 days and issued to my developer A.Chacholis.(as I have no mortgage). Does anyone know what happens next, ie what will the dev ...

Surplus communal funds

Our complex has ten identical houses - we all pay €500 and up to now everyone has paid in full since we took control of the management ourselves.
There is around €8K in the account
However, one owner has just sen ...

Insurance

Hi Nigel We have insured our apartment (buildings and contents) yet the committee has failed to insure the communal part of the complex. Is my insurance still valid.? Thanks in advance. ...

Committee

Sorry to trouble you again Nigel, just a query, do we have to register the committee we formed with the land registry for it to be legal, we have 2 non payers who owe in excess of 10k over the past 10 years, 1 says she will ...





Renting a property..

Hi. I am currently renting a property through an agent. For a 6 month contract which started in October 2018. I pay my rent in advance each month by direct debit. Yesterday we had 2 bailiffs and a representative from th ...

Trapped buyers get a Christmas present promise

The problems faced by the 70,000 ‘trapped buyers’ who were duped into buying property built on land earlier mortgaged by developers should be resolved by Christmas says Christiana Erotokritou MP. Read more at: http://www. ...

Title Deeds Transfer Fees

A question for Nigel, and any other knowledgeable experts who would like to chip in, regarding the thorny subject of title deed transfer fees.
My understanding of the transfer fee system is that the fee is equivalent t ...

Getting a waiver

Hello Nigel.Can you tell me if its possible to get a waiver from the Banks to free my property from a developers mortgage on the land.We have a buyer but they are refusing to buy until we sort this problem out.Would they acc ...

committee

we are 26 apartments and due to everybody not being present at any one time we have voted for a committee by e mail votes and have elected 2 members, is this legal and if so how do we register it at the land registery Thank ...

Communal or not - gas supply?

Thanks Nigel. It is a bit complicated. Works well usually except when the gas tanks are empty and we all have no hot water or heating, but that is rare thank goodness. ...

Complex maintenance - developer's responsibility

Hi Nigel We have received an email today from the company that maintains the common parts of our complex, giving notice that they will cease to provide services with effect from the 31st December. No advice has been off ...

Property valuation

Hi Nigel. Are you still rambling? :wink: I'm considering switching house insurance providers. Short of trawling through the various estate agent sites and trying to work it out for myself, is there a way of getting ...

Another hurdle for the title deeds

The land registry had to parcel our development, they have been waiting for Sotira municipality. We approached them & told to get clean deeds we had to pay for the pavement and that would be all, 578 euros, which we did. ...

Cgt allowance

Hi Nigel,I gifted my property to my sister 2 years ago.Does this mean that I have used my one off cgt allowance or Not .regards Palmtree ...

Property Tax

Hi Nigel Sorry to trouble you yet again but I cant seem to get my head around this property tax, we bought our apartment off plan in 2006 and paid in stages until the complex was completed when we handed over the final paym ...

Transferring a Property into Joint Names

Hi Nigel
Don't know if you have the answer to my question, and my apologies if it's been answered before.
Our house in Cyprus is currently in my wife's name (she is a Greek Cypriot born in Cyprus)
My wife u ...

Maintenance fees - villas and apartments

Hi I understand the calculations of maintenance fees for jointly owned properties on a square metre basis, or as decided by the committee with a vote of 75% of ownership but can you explain how communal costs can be appor ...

Developers payments

Now that we have got our title deeds - yay! - what contributions can we expect to be charged by the developer for taxes he's paid on our behalf? Will it be fees paid to the local council/ tax office/ both? Is it normal pract ...


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