Mortgage & ROI Calculator

Cyprus-specific closing costs, monthly payments and return projections for off-plan buyers.

Purchase price

Down payment (25%)

€112,500

Interest rate (%)

Loan term (years)

Estimated monthly rent

Expected annual appreciation (%)

Closing costs

Legal / notary fees

1% · €4,500

Mortgage arrangement fee

VAT applied to purchase (halves transfer fees)

Monthly payment

€1,876

Loan amount

€337,500

Total interest

€225,280

Total upfront cost

€133,415

Closing costs

Stamp duty€815

Property transfer fees€14,600

Legal / notary€4,500

Arrangement fee€NaN

Closing costs€20,915

Gross rental yield

4.80%

Net yield (after mortgage)

-0.20%

Equity vs. loan balance

Property valueLoan balance

Indicative only — figures use standard Cyprus rates and do not constitute financial advice.