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May 16, 2025
Reading time: 15 minutes

What are ongoing costs after buying (maintenance, communal fees, etc.)?

After purchasing a home in Cyprus, it’s important to budget for ongoing expenses such as maintenance, communal fees, and property taxes. This article explains what costs to expect so you can plan your finances effectively.

first time buyer

Calculating costs

Key points

  • Budget for regular property maintenance to keep your home in top shape.
  • Pay monthly communal fees if living in shared communities.
  • Account for annual municipal taxes based on your property.
  • Consider homeowners insurance for added protection.
  • Plan your finances to avoid unexpected costs.

Maintenance Costs

Regular maintenance is essential to keep your property in good condition. This includes repairs, painting, and upkeep of appliances and systems.

Communal Fees

If you live in an apartment or gated community, you’ll likely pay monthly communal fees for shared services such as cleaning, security, and garden maintenance.

Property Taxes

In Cyprus, property owners pay municipal taxes based on property size and location. These are annual fees that fund local services.

Insurance

Homeowners insurance is advisable to protect against damage or loss. Some mortgage lenders require it as a condition of the loan.

Planning Your Budget

Estimating these costs ahead of time helps avoid financial surprises and ensures your new home remains a safe and comfortable place to live.

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