Archive for the 'How-to Guide for Buying Real Estate in Egypt' Category ±â·Ï º¸°ü¼Ò¿¡ÀÖ´Â 'ºÎµ¿»êÀ» ±¸ÀÔÇÏ´Â ¹æ¹ý¿¡ ´ëÇÑ ¾È³» - ÀÌÁýÆ®'¹üÁÖ

Buying property in Egypt ÀÌÁýÆ®¿¡¼­ ºÎµ¿»êÀ» ±¸¸Å

Thursday, June 5th, 2008 2008³â 6¿ù 5ÀÏ (¸ñ)

Buying property in Egypt is a straightforward affair provided you employ a lawyer to sort out an otherwise complex system of property registration. ÀÌÁýÆ®¿¡¼­ ºÎµ¿»êÀ» ±¸¸Å Á÷Á¢Àû °ü°è°¡ Á¦°øÇÑ º¯È£»ç¸¦ °í¿ë Áö±¸¹Û º¹ÀâÇÑ ½Ã½ºÅÛÀ» Á¤·Ä ¹ÛÀÇ Àç»ê µî·ÏÇÕ´Ï´Ù. Below you will gain a general overview on what to expect when you invest in Egyptian property. ¾Æ·¡´Â ÀϹÝÀûÀÎ Á¤º¸¸¦ È®º¸ÇÒ ¼öÀÖ´Â ÀϹÝÀûÀÎ ÀÌÁýÆ®ÀÇ ¼Ó¼º¿¡ ÅõÀÚÇÏ¸é ¹«¾ùÀ» ±â´ëÇÕ´Ï´Ù.

Foreign purchasers have the right to own real estate and land in Egypt. ÇØ¿Ü ±¸¸Å ¼öÀÖ´Â ±Ç¸®¸¦°¡ ÀÌÁýÆ®¿¡¼­ ÀÚ½ÅÀÇ ºÎµ¿»ê°ú ÅäÁöÇÕ´Ï´Ù. Today the government recognizes the great value foreign investors in property have for the success of the economy and have set about actively encouraging overseas buyers to Egypt. ¿À´ÃÀÇ Á¤ºÎ ÀνÄÇÏ°í ¿Ü±¹ÀÎ ÅõÀÚ°¡ÀÇ Àç»ê¿¡ ´ëÇÑ °¡Ä¡ÀÇ ¼º°øÀº °æÁ¦¿Í ÇØ¿Ü ¹ÙÀ̾ ¼³Á¤ ÀÌÁýÆ®¿¡ ´ëÇØ Àû±ØÀûÀ¸·Î Àå·ÁÇÕ´Ï´Ù. New laws have been established to make the Egyptian property purchase procedure more secure. »õ ¹ý·üÀº ÀÌÁýÆ®ÀÇ ÀÚ»ê ±¸ÀÔÀ» À§ÇØ ¼³¸³ ÀýÂ÷¸¦ ´õ ¾ÈÀüÇÕ´Ï´Ù. For example, the government can no longer impound or nationalize any property they wish – a practice that stood for centuries. ¿¹¸¦ µé¾î, Á¤ºÎ´Â ´õ ÀÌ»ó ¾î¶°ÇÑ ¾Ð¼ö ¶Ç´Â ±¹À¯ Àç»ê ±×µéÀÇ ¿ø´ë - ¼­ ¼ö¼¼±â µ¿¾È ¿¬½ÀÀ»ÇÕ´Ï´Ù. These changes, along with a few others, are increasing confidence amongst overseas buyers. ÀÌ·¯ÇÑ º¯°æ »çÇ×°ú ÇÔ²² ¸î ´Ù¸¥ »ç¶÷ Áß¿¡ ÇØ¿Ü ¹ÙÀ̾î ÀڽۨÀÌ ´Ã°íÀÖ½À´Ï´Ù.

We will gladly guide your through the purchase process in Egypt to ensure you are fully informed of the facts to avoid any potential pitfalls. ±ÍÇÏÀÇ ±¸¸Å ÇÁ·Î¼¼½º¸¦ ÅëÇØ ¿ì¸®´Â ÀÌÁýÆ®¿¡¼­ ±â²¨ÀÌ ¾È³»¸¦ ¿ÏÀüÇÏ°Ô Á¤º¸¸¦ È®ÀÎ »ç½ÇÀ» ´ç½ÅÀº ¾î¶² ÀáÀçÀûÀÎ ÇÔÁ¤À» ÇÇÇϱâÇÕ´Ï´Ù. Click here to speak to a specialist. Àü¹® ¾ê±â¸¦ÇÏ·Á¸é ¿©±â¸¦ Ŭ¸¯ÇϽʽÿÀ.

Once you decide on a property, you will need to pay a holding deposit to take the property off the market while contracts are drawn up. ÀÏ´Ü °áÁ¤ÇÏ´Â Àç»êÀÇ ÁöÁÖ º¸Áõ±ÝÀ» ÁöºÒÇϼžßÇÕ´Ï´Ù ¹ÛÀ¸·Î ½ÃÀåÀÇ ¼Ó¼ºÀ»ÇÏ´Â µ¿¾È °è¾àÀÌ Ã¥Á¤ÇÕ´Ï´Ù.

It is completely usual to negotiate a property¡¯s selling price in Egypt, unless you are buying off-plan when the price is fixed. ±×°ÍÀº ¿Ïº®ÇÏ°Ô ÀϹÝÀûÀÎ ¼Ó¼ºÀÇ ÆÇ¸Å °¡°ÝÀ» °áÁ¤ÇÒ ¼ö ÀÖ¾î¾ßÇÕ´Ï´Ù ÀÌÁýÆ®¿¡¼­ - °èȹÀ» µû·Î ±¸ÀÔÇÏÁö ¾Ê´Â °æ¿ì¿¡´Â °¡°ÝÀÌ Á¶Á¤À»ÇÕ´Ï´Ù.
Lawyers º¯È£»ç

Lawyers in Egypt will normally speak English and will be able to produce your necessary paperwork in Arabic, as required by all the authorities. ÀÌÁýÆ®ÀÇ º¯È£»ç°¡ Á¤»óÀûÀ¸·Î ¿µ¾î¸¦ ±¸»çÇÏ¸ç ±ÍÇÏÀÇ ÇÊ¿ä ¼­·ù¸¦ »ý»ê ¼öÀÖ½À´Ï´Ù ¾Æ¶ø¾î·Î ´ç±¹ÀÌ ¿ä±¸ÇÏ´Â ¸ðµçÇÕ´Ï´Ù. Egypt has many complex real estate registration issues so it is critical to have a lawyer conduct the appropriate searches and provide you with legal advice regarding the purchase. ÀÌÁýÆ®´Â ¸¹Àº º¹ÀâÇÑ ºÎµ¿»ê µî·Ï¿¡ ¹®Á¦°¡ ±×·¡¼­ º¯È£»ç¸¦ ½Ç½ÃÇÏ´Â °ÍÀÌ Áß¿ä ÀûÀýÇÑ °Ë»ö ¹× ±¸ÀÔ¿¡ °üÇÑ ¹ý·ü Á¶¾ðÀ» Á¦°øÇÒ ¼öÀÖ½À´Ï´Ù.

Local lawyers will also help you through the best way to conduct business with the local people who have their own particular idiosyncrasies and customs which are important to be aware of. ÇöÁö º¯È£»çµµ µµ¿òÀÌ ÃÖ¼±ÀÇ ¹æ¹ýÀ» ÅëÇØ Áö¿ª Áֹΰú ¾÷¹«¸¦ ¼öÇà ¹× ¼¼°ü ¾î´À ´©±¸µµ ÀÚ½ÅÀÇ Æ¯Á¤ ¹èŸ ¾Ë°íÀִ°¡°¡ Áß¿äÇÕ´Ï´Ù.
Fees and Taxes ¼ö¼ö·á ¹× ¼¼±Ý

Property registration and legal fees for conveyance total around 6%. Àç»ê µî·Ï ¹× ¹ýÀû ¼ö¼ö·á¸¦ ¼ö¼Û ÃÑ ÁÖº¯ 6 %.

Stamp Duty on property is payable by the buyer at 3%. ¿ìÇ¥ Àǹ«¸¦ ¼Ó¼ºÀº ±¸¸ÅÀÚÀÇ 3 %¸¦ ÁöºÒÇØ¾ßÇÕ´Ï´Ù. The buyer will also pay a small inspection and measurement fee (approx. 65 euros). ±¸¸ÅÀÚÀº ¶ÇÇÑ Áß¼Ò °Ë»ç ¹× ÃøÁ¤ ºñ¿ëÀ» ÁöºÒ (¾à À°½Ê¿ÀÀ¯·Î).

Tax on any form of income from property runs at 20 to 22% and is basically the alternative to Value Added Tax. ¾î¶² ÇüÅÂÀÇ ¼Òµæ¿¡¼­ ¼¼±ÝÀ» 20-22%°ú Àç»êÀ» ½ÇÇà¿¡ ´ë¾ÈÀº ±âº»ÀûÀ¸·Î ºÎ°¡ °¡Ä¡¼¼ÇÕ´Ï´Ù. Many countries enjoy a double taxation treaty with Egypt. ÀÌÁß °ú¼¼ Á¶¾àÀ» Áñ±â´Â ¸¹Àº ³ª¶ó ÀÌÁýÆ®¿Í ÇÔ²²ÇÕ´Ï´Ù.

Egypt levies no inheritance or capital gains taxes. ÀÌÁýÆ®ÀÇ »ó¼Ó ¶Ç´Â ¾çµµ ¼¼±ÝÀ» ºÎ°úÇÕ´Ï´Ù.
Registration µî·Ï

Most Egyptian properties are not registered, even though registration is an essential pre-requisite to a purchase. ´ëºÎºÐÀÇ ÀÌÁýÆ®ÀÇ µî·Ï Á¤º¸°¡ µî·ÏµÇÁö ¾ÊÀº °æ¿ì¿¡µµ µî·ÏÀÌÀÇ Çʼö »çÀü - ¿ä°ÇÀ» ±¸ÀÔÇÕ´Ï´Ù. Therefore the lawyer¡¯s assistance in liaising with the Real Estate Registration Office in Egypt is essential in order to ensure the property is duly registered and prepared for foreign purchase. µû¶ó¼­ ºÎµ¿»ê°ú Æ÷½º º¯È£»çÀÇ µµ¿òÀ» »ç¹«½Ç¿¡ µî·ÏÇϱâ À§ÇØ ÀÌÁýÆ®°¡À» º¸ÀåÇϱâ À§ÇØ ÇʼöÀûÀÎ ¼Ó¼ºÀº Á¤½Ä µî·ÏÇÏ°í ¿Ü±¹ÀÎÀ»À§ÇÑ Áغñ°¡ ±¸ÀÔÇÕ´Ï´Ù. Registration can take up to four months. µî·Ï 4 °³¿ù±îÁö °É¸± ¼öÀÖ½À´Ï´Ù. After inspections and payment of taxes/fees, you will finally obtain a new title from the Registry. °Ë»ç ¹× °áÁ¦ ÈÄ ¼¼±Ý / ¼ö¼ö·á, »õ·Î¿î ŸÀÌÆ²À» ¸¶Áö¸·À¸·Î ·¹Áö½ºÆ®¸®¿¡¼­ ±¸ÇÏ´ÂÇÕ´Ï´Ù.
Mortgages À¶ÀÚ

Currently there are no mortgage facilities available to foreigners in Egypt, though this situation is due to change in the near future with the full implementation of a new mortgage law in Egypt. ÇöÀç ¿Ü±¹ÀÎÀ» »ç¿ëÇÒ ¼ö¾ø½À´Ï´Ù ÀÌÁýÆ®¿¡¼­ ÁÖÅà ´ãº¸ ½Ã¼³Áö¸¸ÀÌ »óȲÀº °¡±î¿î ¹Ì·¡¿¡ º¯È­·Î ÀÎÇØ »õ·Î¿î ÁÖÅà ´ãº¸ ¹ýÀ» ÀÌÁýÆ®¿¡¼­ ¿ÏÀüÇÑ ±¸ÇöÇÕ´Ï´Ù. The best option today is to obtain a mortgage abroad or to free up equity in your country of residence via a re-mortgage or an equity release scheme. ¿À´ÃÀº ÁÖÅà À¶ÀÚ¸¦ ±¸ÇÏ´Â ÃÖ¼±ÀÇ ¹æ¹ýÀ̳ª ÇØ¿Ü °ÅÁÖ ±¹°¡ÀÇ ÀÚÀ¯¸¦ ÅëÇØ ÁöºÐÀ» ´Ù½Ã ´ãº¸ Ãâ½Ã °èȹ - ÁÖÅà ´ãº¸ ¶Ç´ÂÇÕ´Ï´Ù. In this way you will be able to purchase your property in Egypt outright. ÀÌ ¹æ¹ýÀÌ ±ÍÇÏÀÇ Àç»êÀ» ±¸ÀÔÇÏ½Ç ¼öÀÖ½À´Ï´Ù ÀÌÁýÆ®¿¡¼­ ¹«Á¶°ÇÀûÀÎÇÕ´Ï´Ù.

The current lack of a fully developed lending system has slowed the construction industry in Egypt, even though Cairo is one of the most densely populated cities in the world and the need for new housing is starkly apparent. ¿ÏÀüÀ» °³¹ß ºÎÁ·À¸·Î ÇöÀçÀÇ °Ç¼³ »ê¾÷ÀÇ ´ëÃ⠽ýºÅÛÀÌ ´À·ÁÁ³ ÀÌÁýÆ®, Ä«À̷ο¡µµ ºÒ±¸ÇÏ°í ´ëºÎºÐÀÇ Àα¸´Â ÇϳªÀÇ ¼¼°è¿Í µµ½ÃÀÇ »õ·Î¿î ÁÖÅÃÀÌ ¿ÏÀüÇÏ°Ô ºÐ¸íÀÌ ÇÊ¿äÇÕ´Ï´Ù. This situation is destined to change as soon as mortgage facilities become more commonplace. ÀÌ·¯ÇÑ »óȲÀ» ÇÇÇÒ ¼ö ¾ø´Ù¸é ÁÖÅà ´ãº¸ ½Ã¼³·Î º¯°æµÇ´Â´ë·Î ´õ ¸¹Àº Æò¹üÇÑÇÕ´Ï´Ù.

How to details coming soon ÇÏ´Â ¹æ¹ýÀ» ÀÚ¼¼È÷ Ãâ½Ã¿¹Á¤

Wednesday, June 4th, 2008 2008³â 6¿ù 4ÀÏ (¼ö)

Please watch this space for details coming soon. ÀÌ °ø°£ ½Ã°è ´ëÇÑ ÀÚ¼¼ÇÑ ³»¿ëÀº Ãâ½Ã¿¹Á¤ÇϽñ⠹ٶø´Ï´Ù.