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  • Cyprus Real Estate Property Index Issue 3 - Δείκτης Αγοράς Ακινήτων - Τεύχος 3 (2007-2008)

    Загружено:

    Antonis Loizou And Associates
    41 просмотров86 страниц
    Δείκτης Αγοράς Ακινήτων - Τεύχος 3 (2007-2008). The Third Issue of our Index covers the period 1.1.2007 up to 31.12.2008. It provides prices for various types of real estate and for various locations (including building plots, houses, flats, land, shops, offices, hotels, factories etc). The Index provides returns, rental income, expected capital growth etc, for the various types of real estate. The Index provides also market trends and expectations and it discusses the various factors, which affect the Cyprus Property Market and the local building industry in general. It refers to the industry’s problems and the firm’s anxiety as to the state of the market and suggests several corrective measures. The Index, published is a compact 86 page booklet, is revised every 12 months and each publication will be upgraded with more and varied information.

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    Δείκτης Αγοράς Ακινήτων - Τεύχος 3 (2007-2008). The Third Issue of our Index covers the period 1.1.2007 up to 31.12.2008. It provides prices for various types of real estate and for various locations (including building plots, houses, flats, land, shops, offices, hotels, factories etc). The Index provides returns, rental income, expected capital growth etc, for the various types of real estate. The Index provides also market trends and expectations and it discusses the various factors, which affect the Cyprus Property Market and the local building industry in general. It refers to the industry’s problems and the firm’s anxiety as to the state of the market and suggests several corrective measures. The Index, published is a compact 86 page booklet, is revised every 12 months and each publication will be upgraded with more and varied information.

    Авторское право:

    Attribution Non-Commercial (BY-NC)
    Скачайте в формате PDF, TXT или читайте онлайн в Scribd
    Отметить как неприемлемый контент
    41 просмотров86 страниц

    Cyprus Real Estate Property Index Issue 3 - Δείκτης Αγοράς Ακινήτων - Τεύχος 3 (2007-2008)

    Загружено:

    Antonis Loizou And Associates
    Δείκτης Αγοράς Ακινήτων - Τεύχος 3 (2007-2008). The Third Issue of our Index covers the period 1.1.2007 up to 31.12.2008. It provides prices for various types of real estate and for various locations (including building plots, houses, flats, land, shops, offices, hotels, factories etc). The Index provides returns, rental income, expected capital growth etc, for the various types of real estate. The Index provides also market trends and expectations and it discusses the various factors, which affect the Cyprus Property Market and the local building industry in general. It refers to the industry’s problems and the firm’s anxiety as to the state of the market and suggests several corrective measures. The Index, published is a compact 86 page booklet, is revised every 12 months and each publication will be upgraded with more and varied information.

    Авторское право:

    Attribution Non-Commercial (BY-NC)
    Скачайте в формате PDF, TXT или читайте онлайн в Scribd
    Отметить как неприемлемый контент
    из 86

    a.

    loizou booklet 2008MEL 23/07/2008 11:35 Page 1

    ¢Â›ÎÙ˘ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 2
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 3

    ∆Ô °Ú·ÊÂ›Ô Ì·˜ ¤¯ÂÈ ÂÙÔÈÌ¿ÛÂÈ ÙÔ ÙÚ›ÙÔ Ù‡¯Ô˜ ÙÔ˘ ¢Â›ÎÙË ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ,
    Ô˘ ÛÎÔfi ¤¯ÂÈ ÙËÓ ÂÓË̤ڈÛË ÙÔ˘ ÎÔÈÓÔ‡ ÁÈ· ÙȘ ÂÈÎÚ·ÙÔ‡Û˜ ÙÈ̤˜, ÙȘ Ù¿ÛÂȘ
    Ù˘ ·ÁÔÚ¿˜ ·ÎÈÓ‹ÙˆÓ Î·È Ù˜ ‰ÈΤ˜ Ì·˜ ÚԂϤ„ÂȘ ÁÈ· ÙÔ ¿ÌÂÛÔ Ì¤ÏÏÔÓ.
    O ¢Â›ÎÙ˘ ηχÙÂÈ ÙËÓ ÂÚ›Ô‰Ô ·fi ÙÔ ¤ÙÔ˜ 2005-2007 Î·È Ì ÚԂϤ„ÂȘ ÁÈ·
    ÙÔ ¤ÙË 2008 Î·È 2009. √ ¢Â›ÎÙ˘ Ù˘Á¯¿ÓÂÈ ·Ó·ıÂÒÚËÛ˘ οı ‰Ò‰Âη Ì‹Ó˜,
    Ì ÈÛÙÔÚÈ΋ ·Ó·‰ÚÔÌ‹.

    ¶ÚfiÎÂÈÙ·È ÁÈ· Û˘ÓÔÙÈÎfi ¢Â›ÎÙË Î·È Ë ÙÚ›ÙË ·˘Ù‹ ¤Î‰ÔÛË ı· ·ÔÙÂϤÛÂÈ ÙËÓ ‚¿ÛË
    Ë ÔÔ›· ı· ÌÔÚ› ÛÙÔ Ì¤ÏÏÔÓ Ó· ÂÂÎÙ·ı›, ÙfiÛÔ ·fi ÏÂ˘Ú¿˜ ÏÂÙÔ̤ÚÂÈ·˜
    Î·È ÔÈfiÙËÙ·˜, fiÛÔ Î·È Û ¿ÏÏ· ı¤Ì·Ù· Ô˘ ÂËÚ¿˙Ô˘Ó ÙËÓ ∞ÁÔÚ¿ ∞ÎÈÓ‹ÙˆÓ.

    √ ¢Â›ÎÙ˘ ÚÔÛʤÚÂÙ·È ÁÈ· fiÏÔ˘˜ ÙÔ˘˜ ∂·ÁÁÂÏÌ·ÙÈÎÔ‡˜ ™˘Ó‰¤ÛÌÔ˘˜ Î·È ¿ÏÏÔ˘˜


    Â·ÁÁÂÏ̷ٛ˜, ∫ÙËÌ·ÙÔÌÂÛ›Ù˜, ÙËÓ ∫ÂÓÙÚÈ΋ ∆Ú¿Â˙·, Ù· ¶·ÓÂÈÛÙ‹ÌÈ· ∫‡ÚÔ˘
    Î·È ¿ÏÏÔ˘˜, Ô˘ ÈÛÙÂ‡Ô˘Ó fiÙÈ ÌÔÚÔ‡Ó Ó· Û˘ÓÂÈÛʤÚÔ˘Ó ÛÙËÓ ·Ó·‚¿ıÌÈÛË Î·È
    Â¤ÎÙ·Û‹ ÙÔ˘, Ì ·fi„ÂȘ, Ô˘ ı· ÌÔÚÔ‡Ó Ó· ÂÓۈ̷وıÔ‡Ó ÛÙȘ ÂΉfiÛÂȘ
    ÙÔ˘ ¢Â›ÎÙË Ô˘ ı· ·ÎÔÏÔ˘ı‹ÛÔ˘Ó, ÁÈ· Ó· ˘¿Ú¯ÂÈ ÌÈ· ÔχÏ¢ÚË ·Ó¿Ï˘ÛË
    Ù˘ ·ÁÔÚ¿˜. ∂Ì›˜ Û·Ó °Ú·Ê›Ô, ı· Û˘ÓÂÈÛʤÚÔ˘Ì ٷ ̤ÁÈÛÙ· ÙˆÓ ‰˘Ó·ÙÔÙ‹ÙˆÓ Ì·˜.

    ∂Ï›˙ˆ Ë ÚÔÛ¿ıÂÈ· ·˘Ù‹ Ó· ÂÙ‡¯ÂÈ ÙÔ˘˜ ÛÙfi¯Ô˘˜ Ô˘ Ô ¢Â›ÎÙ˘ ∞ÁÔÚ¿˜


    ∞ÎÈÓ‹ÙˆÓ ¤¯ÂÈ ı¤ÛÂÈ.

    ∞ÓÙÒÓ˘ §Ô›˙Ô˘ FRICS


    Fellow of the Royal Institute of Chartered Surveyors

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    3
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 4

    ∆√ °ƒ∞º∂π√ "∞¡∆ø¡∏™ §√´∑√À & ™À¡∂ƒ°∞∆∂™"


    ∆Ô °Ú·ÊÂ›Ô È‰Ú‡ıËΠÙÔ 1980 Î·È ·Ú·Ì¤ÓÂÈ Ì¤¯ÚÈ Û‹ÌÂÚ· ÙÔ ÈÔ ÔχÏ¢ÚÔ
    Î·È ÌÂÁ·Ï‡ÙÂÚÔ °Ú·ÊÂ›Ô ∂·ÁÁÂÏÌ·ÙÈÎÒÓ ™˘Ì‚Ô‡ÏˆÓ ∞ÎÈÓ‹ÙˆÓ ÛÙËÓ ∫‡ÚÔ.

    ªÂ 75 ¿ÙÔÌ· ÚÔÛˆÈÎfi Î·È Ì ٷ 8 ÁÚ·Ê›· ÙÔ˘ Û fiϘ ÙȘ fiÏÂȘ Î·È ¤Ó· ÛÙÔ
    µÔ˘ÎÔ˘Ú¤ÛÙÈ-ƒÔ˘Ì·Ó›·, ·Û¯ÔÏÂ›Ù·È Ì fiÏÔ ÙÔ Ê¿ÛÌ· Ù˘ ·ÁÔÚ¿˜ ·ÎÈÓ‹ÙˆÓ, ΢ڛˆ˜
    ÛÙÔ˘˜ ·ÎfiÏÔ˘ıÔ˘˜ ÙÔÌ›˜:

     ∂ÎÙÈÌ‹ÛÂȘ ∞ÎÈÓ‹ÙˆÓ: °È· ÛÎÔÔ‡˜, fiˆ˜ ¯ÚËÌ·ÙÔ‰fiÙËÛË, ··ÏÏÔÙÚÈÒÛÂȘ,


    ÒÏËÛË/·ÁÔÚ¿/·ÓÙÈ·ÚÔ¯‹/ÂÓÔÈΛ·ÛË, ‰ÈηÛÙÈΤ˜ ˘Ôı¤ÛÂȘ, ÂÓÔÈÎÈÔÛÙ¿ÛÈÔ,
    ÊÔÚÔÏÔÁÈο ı¤Ì·Ù·, ¤Î‰ÔÛ˘ ÌÂÙÔ¯ÒÓ/ÂÙ·ÈÚÂÈÒÓ ÎÏ ÎÏ.
     ªÂϤÙ˜/∞Ó¿Ï˘ÛË ∞ÁÔÚ¿˜: °È· ÛÎÔÔ‡˜ ·Ó¿Ù˘Í˘, ÌÂϤÙ˜ ÛÎÔÈÌfiÙËÙ·˜
    Î·È ‚ȈÛÈÌfiÙËÙ·˜, ·ÍÈÔÏfiÁËÛË ÂÓ·ÏÏ·ÎÙÈÎÒÓ ÂȉÒÓ ·Ó¿Ù˘Í˘/Â¤Ó‰˘Û˘ Î.·.
     ∂ÙÔÈÌ·Û›· ÚԉȷÁÚ·ÊÒÓ: AÚ¯ÈÙÂÎÙÔÓÈÎÔ‡ ۯ‰›Ô˘ (design-briefs) Î·È Ù¯ÓÈÎÒÓ
    ÚԉȷÁÚ·ÊÒÓ ÁÈ· ‰È¿ÊÔÚ˜ ·Ó·Ù‡ÍÂȘ, ÂÙÔÈÌ·Û›· ‰È·ÊËÌÈÛÙÈ΋˜ ÛÙÚ·ÙËÁÈ΋˜
    Î·È ‰È·ÊËÌÈÛÙÈÎÔ‡ ˘ÏÈÎÔ‡ ÎÏ.
     ¢È‡ı˘ÓÛË ã∂ÚÁˆÓ ∞Ó¿Ù˘Í˘, ¢È·¯Â›ÚÈÛ˘ ã∂ÚÁˆÓ ∞Ó¿Ù˘Í˘ ÂΠ̤ÚÔ˘˜
    ÂÏ·ÙÒÓ ÁÈ· ÂÌÔÚÈο/ÔÈÎÈÛÙÈο/‚ÈÔÌ˯·ÓÈο/ÙÔ˘ÚÈÛÙÈο Î·È ¿ÏÏ· ¤ÚÁ·.
    ∞Ó¿ÏÔÁ· Ì ÙȘ ··ÈÙ‹ÛÂȘ ÙÔ˘ ÂÏ¿ÙÔ˘, ÙÔ °Ú·ÊÂ›Ô ·Ó·Ï·Ì‚¿ÓÂÈ ÙËÓ ¢È‡ı˘ÓÛË
    ÙÔ˘ ã∂ÚÁÔ˘ ·fi ·Ïfi Û˘Ì‚Ô˘Ï¢ÙÈÎfi ÚfiÏÔ, ̤¯ÚÈ Î·È ÙËÓ ÙÔÔı¤ÙËÛË Â›
    ÙfiÔ˘ Û˘ÓÙÔÓÈÛÙ‹ ¶ÔÏÈÙÈÎÔ‡ ªË¯·ÓÈÎÔ‡. ™Ùfi¯Ô˜ Ù˘ ¢È‡ı˘ÓÛ˘ ÙÔ˘ ã∂ÚÁÔ˘
    Â›Ó·È Ë ÂÎÙ¤ÏÂÛË ÙÔ˘ ÂÓÙfi˜ ÙˆÓ ÚÔÁÚ·ÌÌ·ÙÈÛı¤ÓÙˆÓ ÛÙfi¯ˆÓ ¯ÚfiÓÔ˘/
    ÔÈfiÙËÙ·˜/ÔÈÎÔÓÔÌÈ΋˜ ·fi‰ÔÛ˘.

    ¢π∂À£À¡™∏ ∂ƒ°ø¡ - ¶ÚfiÛÊ·Ù· ã∂ÚÁ·


    - 12 ÍÂÓԉԯ›· Û fiÏË ÙËÓ ∫‡ÚÔ (·fi 3 ·ÛÙ¤ÚˆÓ-5 ·ÛÙ¤ÚˆÓ) - ∆Ô˘ÚÈÛÙÈο
    ™˘ÁÎÚÔÙ‹Ì·Ù·-‰È·ÌÂÚ›ÛÌ·Ù·, Â·‡ÏÂȘ ÎÏ
    - 3 ÂÌÔÚÈο ¤ÚÁ· (Shopping Centers)
    - 2 ªÂÁ¿Ï˜ ÀÂÚ·ÁÔÚ¤˜
    - 2 ∆Ú¿Â˙˜ (∫ÂÓÙÚÈο °Ú·Ê›·)
    - 10 ∫ÂÓÙÚÈο °Ú·Ê›· ¢ËÌfiÛÈˆÓ Î·È ¿ÏÏˆÓ ÂÙ·ÈÚÂÈÒÓ
    - 1 ‚ÈÔÙ¯ÓÈ΋ ÂÚÈÔ¯‹ (¢‹ÌÔ˘ §Â˘ÎˆÛ›·˜)
    - ∆Ô ∫ÔÊ›ÓÔ˘ Rendering Plant (‚·ÚÈ¿ ‚ÈÔÌ˯·Ó›·)
    - ªfiÓÈ̘ Î·È ÂÍÔ¯ÈΤ˜ ηÙÔÈ˘ Û fiÏË ÙËÓ ∫‡ÚÔ
    - ¢È·¯ˆÚÈÛÌÔ› ÔÈÎÔ¤‰ˆÓ
    - °Ú·ÊÂȷο Û˘ÁÎÚÔÙ‹Ì·Ù· Î·È ÂÌÔÚÈο ¤ÚÁ· Îϛ̷η˜
    - ÎÏ

     ¶ˆÏ‹ÛÂȘ/∂ÓÔÈÎÈ¿ÛÂȘ: ∂›Ù ·¢ı›·˜ Ì ÙÔ ‰˘Ó·ÌÈÎfi ÙÔ˘ °Ú·Ê›Ԣ ÙˆÓ


    25 ·ÙfiÌˆÓ ˆÏËÙÒÓ, ›ÙÂ/Î·È ÛÂ Û˘ÓÂÚÁ·Û›· Ì ͤӷ Î·È ÓÙfiÈ·
    ∫ÙËÌ·ÙÔÌÂÛÈÙÈο °Ú·Ê›· Î·È ¿ÏÏÔ˘˜. √È ˆÏ‹ÛÂȘ ÂÈÙ˘Á¯¿ÓÔÓÙ·È Ì¤Ûˆ
    ȉ›ˆÓ ÚÔÛˆÈÎÒÓ Û¯¤ÛˆÓ, ‰È·Ê‹ÌÈÛ˘, internet, Û˘ÌÌÂÙÔ¯‹ Û ‰ÈÂıÓ›˜
    ÂÎı¤ÛÂȘ, ¯Ú‹ÛË ÚÔ‚ÔÏ‹˜ ̤ۈ Í¤ÓˆÓ ÂÓÙ‡ˆÓ ÎÏ.

    4
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 5

     ∂ÈÌfiÚʈÛË: ¶ÚÔÛʤÚÂÈ Û ÔÚÁ·ÓˆÌ¤Ó· Û‡ÓÔÏ· Î·È ÂÙ·ÈÚ›˜, Ì ¯ÚÔÓÈ·›Â˜


    ‰È·Ï¤ÍÂȘ (Á‡Úˆ ÛÙȘ 10/¯ÚfiÓÔ), ÙËÓ Û˘ÁÁÚ·Ê‹ ÓÙfiÈˆÓ Î·È Í¤ÓˆÓ ¿ÚıÚˆÓ
    (Á‡Úˆ ÛÙ· 150 ÙÔÓ ¯ÚfiÓÔ), ÂÎÙ‡ˆÛË ÏËÚÔÊÔÚÈ·ÎÒÓ ‚È‚ÏÈ·Ú›ˆÓ ÎÏ.

     ¶ÔÏÂÔ‰ÔÌÈο ı¤Ì·Ù·: ™Â Û˘ÓÂÚÁ·Û›· Ì ÙÔ Û˘Ó‰Â‰Â̤ÓÔ ¶ÔÏÂÔ‰ÔÌÈÎfi


    °Ú·ÊÂ›Ô ∞.L.A. Planning Partnership, ·Ó·Ï·Ì‚¿ÓÂÈ ÌÂϤÙ˜ ÁÈ· ÔÏÂÔ‰ÔÌÈο
    ı¤Ì·Ù·, fiˆ˜ ÂÙÔÈÌ·Û›· ÙÔÈÎÒÓ Û¯Â‰›ˆÓ, ÂÚÈ‚·ÏÏÔÓÙÈΤ˜ Î·È Î˘ÎÏÔÊÔÚȷΤ˜
    ÌÂϤÙ˜ ÎÏ

     ™˘ÓÂÈÛÊÔÚ¿ ÛÙ· ∫ÔÈÓ¿: ∂›Ù ˘fi ÌÔÚÊ‹ ·Ó¿ıÂÛ˘, ›Ù ·fi ȉ›·Ó ÚˆÙÔ‚Ô˘Ï›·,
    ÙÔ °Ú·ÊÂ›Ô Û˘ÌÌÂÙ¤¯ÂÈ Û ‰È¿ÊÔÚ˜ ÌÂϤÙ˜ Ô˘ ¤¯Ô˘Ó Û¯¤ÛË Ì ÙËÓ
    ∞ÁÔÚ¿ ∞ÎÈÓ‹ÙˆÓ. ∏ Û˘ÓÂÈÛÊÔÚ¿ ÙÔ˘ °Ú·Ê›Ԣ Ì·˜ ÁÈ· ÙÔ §ÈÌ¿ÓÈ §¿Úӷη˜,
    ª·Ú›Ó˜, °‹‰· °ÎÔÏÊ, ºÔÈÙËÙÈΤ˜ ∂Ûٛ˜, ∞fiÛ˘ÚÛË ∆Ô˘ÚÈÛÙÈÎÒÓ ∫ÏÈÓÒÓ,
    √ÈÎÔ‰ÔÌÈ΋ ∞ÌÓËÛÙ›·, ¶Úfi‚ÏËÌ· ÛÙȘ ∫·ı˘ÛÙÂÚ‹ÛÂȘ ÙˆÓ ∞‰ÂÈÒÓ √ÈÎÔ‰ÔÌ‹˜,
    º.¶.∞. ÛÙȘ ÔÈÎÔ‰Ô̤˜, ™˘ÁÎÚ¿ÙËÛË ÙˆÓ ·˘Í·ÓfiÌÂÓˆÓ ÙÈÌÒÓ ·ÎÈÓ‹ÙˆÓ,
    ºÔÚÔÏÔÁ›· Â› ∞‰Ú·ÓÔ‡˜ ¶ÏÔ‡ÙÔ˘ ÁÈ· ·Ó·Ù˘Íȷο ÎÙ‹Ì·Ù·, ∞ÛÙÈÎfi ∞Ó·‰·ÛÌfi
    Î·È ¿ÏÏ·, Â›Ó·È ÔÚÈṲ̂ӷ ·fi Ù· ı¤Ì·Ù· ÁÈ· Ù· ÔÔ›· ÙÔ °Ú·ÊÂ›Ô ¤¯ÂÈ
    Û˘ÓÂÈÛʤÚÂÈ Ì ÁÚ·Ù¤˜ ÂÈÛËÁ‹ÛÂȘ ÛÙËÓ ¶ÔÏÈÙ›·. ∏ ÚfiÛÊ·ÙË Ì·˜ ‰ËÌÔÛ›Â˘ÛË
    ÚfiÙ·Û˘ ÁÈ· ÌÈ· √ÏÔÎÏËڈ̤ÓË ™ÙÂÁ·ÛÙÈ΋ ¶ÔÏÈÙÈ΋ Ô˘ ·Û¯ÔÏÂ›Ù·È ÌÂ
    fiÏÔ ÙÔ Ê¿ÛÌ· Ù˘ ™Ù¤Á·Û˘ ÂÚÈÏ·Ì‚·ÓÔÌ¤ÓˆÓ Î·È Ó¤ˆÓ ȉÂÒÓ ÁÈ· Û˘ÁÎÚ¿ÙËÛË
    ÙˆÓ ÙÈÌÒÓ ÙˆÓ ·ÎÈÓ‹ÙˆÓ Û ÌÂϤÙË 80 ÛÂÏ›‰ˆÓ, Ô˘ ¤¯ÂÈ ·Ú·‰Ôı› ˆ˜
    ¤ÁÁÚ·ÊÔ ÚÔ˜ Û˘˙‹ÙËÛË ÛÙÔÓ ÀÔ˘ÚÁfi ∂ÛˆÙÂÚÈÎÒÓ/™˘ÓÙ¯ӛ˜/¶ÔÏÈÙÈο
    ∫fiÌÌ·Ù·, ÛÙÔ˘˜ ˘Ô„‹ÊÈÔ˘˜ ¶ÚÔ¤‰ÚÔ˘˜ Î·È ÛÙÔ ∂∆∂∫, ¤Ù˘¯Â ¢ÌÂÓÔ‡˜
    Û¯ÔÏÈ·ÛÌÔ‡. ∆·˘Ùfi¯ÚÔÓ·, Ë ¤Î‰ÔÛË ÙÔ˘ ÏËÚÔÊÔÚÈ·ÎÔ‡ Ê˘ÏÏ·‰›Ô˘ ÁÈ·
    ·ÁÔÚ¤˜ Í¤ÓˆÓ Ì ÛÙfi¯Ô ÙÔÓ ÂÚÈÔÚÈÛÌfi ÙÔ˘˜ ÛÙȘ ·ÁÔÚ¤˜ ÛÙ· ∆/∫Ú·ÙÔ‡ÌÂÓ·
    (ÂΉfiıËΠ·fi ÙÔ ÀÔ˘ÚÁÂ›Ô ∂͈ÙÂÚÈÎÒÓ), ¤¯ÂÈ ÙËÓ Ì¤ÁÈÛÙË Û˘ÓÂÈÛÊÔÚ¿
    ·fi ÙÔ °Ú·ÊÂ›Ô Ì·˜.

     ¡¤· ™¯¤‰È· - ∆Ô °Ú·ÊÂ›Ô Ì·˜ ¤¯ÂÈ ÚfiÛÊ·Ù· ‰ËÌÈÔ˘ÚÁ‹ÛÂÈ ÁÚ·ÊÂ›Ô 4 ·ÙfïÓ


    ÛÙÔ µÔ˘ÎÔ˘Ú¤ÛÙÈ Î·È ÙÔ ÔÔ›Ô ·Û¯ÔÏÂ›Ù·È Ì ͤӷ ÂÂÓ‰˘ÙÈο Ù·Ì›· ÁÈ·
    ÂÂÓ‰‡ÛÂȘ ÛÙËÓ ƒÔ˘Ì·Ó›·, ˆ˜ Â›Û˘ Î·È ÂÎÙÈÌ‹ÛÂȘ. ∏ ‰Â‡ÙÂÚË ‰Ú·ÛÙËÚÈfiÙËÙ·
    ı· ·Ú¯›ÛÂÈ ÌÂÙ¿ ÙÔÓ 9/08. ∆·˘Ùfi¯ÚÔÓ· ÙÔ °Ú·ÊÂ›Ô Ì·˜ ÚÔÁÚ·ÌÌ·Ù›˙ÂÈ ÙËÓ
    Â¤ÎÙ·ÛË ÙÔ˘ ÛÙËÓ ƒˆÛ›· (ªfiÛ¯·) ÂÓÙfi˜ ÙÔ˘ ÌËÓfi˜ ™ÂÙÂÌ‚Ú›Ô˘ ÙÔ˘ 2008 ηÈ
    ›Ûˆ˜ ÛÙËÓ µÔ˘ÏÁ·Ú›· ÂÓÙfi˜ ÙÔ˘ 2009. √ ÛÙfi¯Ô˜ ÙˆÓ ÁÚ·Ê›ˆÓ ·˘ÙÒÓ Â›Ó·È Ë
    Â͢ËÚ¤ÙËÛË Î˘Ú›ˆ˜ ÙˆÓ ∫˘Ú›ˆÓ Î·È ∂ÏÏ·‰ÈÙÒÓ ÂÂÓ‰˘ÙÒÓ, Ì ÚÔÂÎÙ¿ÛÂȘ
    ÛÙËÓ µÚÂÙ·Ó›· ÁÈ· ÂÂÓ‰˘ÙÈο Ù·Ì›· Îϛ̷ÎÔ˜, ˆ˜ Â›Û˘ Î·È Ë ÚÔÛÊÔÚ¿
    ∫˘ÚÈ·ÎÒÓ ·ÎÈÓ‹ÙˆÓ ÛÙπ˜ ·ÁÔÚ¤˜ ·˘Ù¤˜. ∂›Û˘ ÂÓÙfi˜ ÙÔ˘ ÌËÓfi˜ ™ÂÙÂÌ‚Ú›Ô˘
    ÙÔ˘ ¤ÙÔ˘˜ 2007, ÙÔ °Ú·ÊÂ›Ô Ì·˜ ÛÂ Û˘ÓÂÚÁ·Û›· Ì ÙÔÓ µÚÂÙ·ÓÈÎfi Ô›ÎÔ
    Strettons (Ô›ÎÔ˜ ÏÂÈÛÙËÚÈ·ÛÌÔ‡ ·ÎÈÓ‹ÙˆÓ - Chartered Surveyors Î·È ÙÔ 4Ô
    ÈÔ ÌÂÁ¿ÏÔ ÛÙËÓ µÚÂÙ·Ó›·) ‰ÈÂÍ‹Á·Á ÂÈÏÂÎÙÈÎfi ÏÂÈÛÙËÚÈ·ÛÌfi, οÙÈ ÙÔ
    ÔÔ›Ô Î·È ı· Â·Ó·Ï¿‚ÂÈ Û ٷÎÙ¿ ¯ÚÔÓÈο ‰È·ÛÙ‹Ì·Ù· ÂÓÙfi˜ ÙÔ˘ ¤ÙÔ˘˜ 2008,
    ÂΠ̤ÚÔ˘˜ ȉȈÙÒÓ/ÙÚ·Â˙ÒÓ Î·È ¿ÏψÓ.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    5
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 6

    √ ™∫√¶√™
    √ ÛÎÔfi˜ ÙÔ˘ ¢Â›ÎÙË ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ Â›Ó·È Ë ÏËÚÔÊfiÚËÛË ÙˆÓ ÂӉȷÊÂÚÔ̤ӈÓ
    ÁÈ· ÙËÓ ∫˘Úȷ΋ ∞ÁÔÚ¿ ·ÎÈÓ‹ÙˆÓ, Ë Û‡ÓÙÔÌË ·Ó¿Ï˘ÛË Ù˘ ÂÚÈfi‰Ô˘ Ô˘ ¤Ú·ÛÂ
    Î·È Ë ÚÔÛ¿ıÂÈ· Úfi‚Ï„˘ ÙˆÓ ÂÍÂϛ͈Ó, ·Ó¿ ÂÍ¿ÌËÓÔ.
    √ ¢Â›ÎÙ˘ ‰ÂÓ ÌÔÚ› Ó· Â›Ó·È ·fiÏ˘ÙÔ˜, ·ÏÏ¿ ı· ÌÔÚ› Ó· ·ÔÙÂϤÛÂÈ ¤Ó·
    ÂÚÁ·ÏÂ›Ô ÚÔ‚ÏËÌ·ÙÈÛÌÔ‡ Î·È ˙‹ÙËÛ˘ Î·È ÚfiÎÏËÛ˘ ÁÈ· ÚfiÛıÂÙË ÏËÚÔÊfiÚËÛË.

    ™∂ ¶√π√À™ ∞¶∂À£À¡∂∆∞π
    ™Â fiÏÔ˘˜ fiÛÔ˘˜ ÂӉȷʤÚÔÓÙ·È Ó· ÎÚ·ÙÔ‡ÓÙ·È ÂÓ‹ÌÂÚÔÈ Ù˘ ·ÁÔÚ¿˜ ·ÎÈÓ‹ÙˆÓ
    ÛÙËÓ ∫‡ÚÔ. ∂›Ó·È ȉȷ›ÙÂÚ· ÂӉȷʤÚÔÓ ÁÈ· ÂÂÓ‰˘Ù¤˜ Î·È ÂÂÓ‰˘ÙÈο Ù·Ì›·,
    ÙÚ¿Â˙˜ Î·È ¯ÚËÌ·ÙÔ‰ÔÙÈÎÔ‡˜ ÔÚÁ·ÓÈÛÌÔ‡˜, ¢ËÌfiÛȘ Î·È ∏ÌÈÎÚ·ÙÈΤ˜ ˘ËÚÂۛ˜,
    ÂÙ·ÈÚ›˜ ·Ó¿Ù˘Í˘ Î·È ÁÂÓÈο ÙÔ ÎÔÈÓfi.
    √ ¢Â›ÎÙ˘ ·˘Ùfi˜ ¤¯ÂÈ ÂÙÔÈÌ·Ûı› ‚¿ÛÂÈ ÙˆÓ ÁÓÒÛÂˆÓ Î·È ÂÌÂÈÚÈÒÓ ÙÔ˘
    °Ú·Ê›Ԣ Ì·˜. ∆Ô °Ú·ÊÂ›Ô Ì·˜ ÙÔ ÔÔ›Ô Â›Ó·È ÙÔ ÈÔ ÌÂÁ¿ÏÔ Î·È ÔχÏ¢ÚÔ
    °Ú·ÊÂ›Ô ™˘Ì‚Ô‡ÏˆÓ ∞ÎÈÓ‹ÙˆÓ Î·È ∫ÙËÌ·ÙÔÌÂÛÈÙÒÓ Ì ›ڷ ¤Ú·Ó ÙˆÓ 28 ÂÙÒÓ,
    ¤¯ÂÈ ÙËÓ ‰˘Ó·ÙfiÙËÙ· ÂÙÔÈÌ·Û›·˜ Ù¤ÙÔÈÔ˘ ‰Â›ÎÙË, ÂÓÒ ı· ‹ÙÔ Ôχ ıÂÙÈ΋ Ë
    Û˘ÓÂÚÁ·Û›· Ì ¿ÏÏ· Û˘Ó·‰ÂÏÊÈο ÁÚ·Ê›·, ÚÔ˜ ÂÌÏÔ˘ÙÈÛÌfi Î·È Â¤ÎÙ·Û‹ ÙÔ˘.

    ME£√¢√§√°π∞ ∂∆√πª∞™π∞™ ∆√À ¢∂π∫∆∏


    ∏ ÌÂıÔ‰ÔÏÔÁ›· Ô˘ ¤¯ÂÈ ˘ÈÔıÂÙËı›, Â›Ó·È ÔÈ ÂÎÙÈÌ‹ÛÂȘ ÙÔ˘ ›‰ÈÔ˘ ÙÔ˘ °Ú·Ê›Ԣ
    Ì·˜ (ÂÚ›Ô˘ 9.000/¯ÚfiÓÔ Ô˘ ηχÙÔ˘Ó fiÏË ÙËÓ ∫‡ÚÔ Û fiÏÔ˘˜ ÙÔ˘˜
    ÙÔÌ›˜ Ù˘ ·Î›ÓËÙ˘ ȉÈÔÎÙËÛ›·˜). ∂Âȉ‹ fiϘ ÔÈ ÂÎÙÈÌ‹ÛÂȘ ÌÂÏÂÙÔ‡ÓÙ·È Î·È
    ˘ÔÁÚ¿ÊÔÓÙ·È ÛÙÔ Ù¤ÏÔ˜ ·fi ¤Ó· ¿ÙÔÌÔ ˘¿Ú¯ÂÈ ÌÈ· ÛÊ·ÈÚÈ΋ ȉ›· ÁÓÒÛË ÙˆÓ
    Ù¿ÛÂˆÓ ÙˆÓ ÙÈÌÒÓ, ˙‹ÙËÛ˘+ÚÔÛÊÔÚ¿˜ ÎÏ. ∂ÈϤÔÓ, ÙÔ °Ú·ÊÂ›Ô Ì·˜, ›Ûˆ˜,
    Ó· ¤¯ÂÈ Î·È ÙÔ Î·Ï‡ÙÂÚÔ Ì˯·ÓÔÁÚ·ÊÈÎfi Û‡ÛÙËÌ· ÔÏÂÔ‰ÔÌÈÎÒÓ ˙ˆÓÒÓ/Û˘ÁÎÚÈÙÈÎÒÓ
    ˆÏ‹ÛÂˆÓ (ÂÚÈÏ·Ì‚·ÓÔ̤ÓÔ˘ Î·È ÙÔ˘ ∫ÙËÌ·ÙÔÏÔÁ›Ô˘) Ù˘ ∫‡ÚÔ˘ Ô˘ ‚ÔËı¿
    ÛÙËÓ ÔÚı‹ Î·È ¤ÁηÈÚË ‰ÈÂÍ·ÁˆÁ‹ Û˘ÌÂÚ·ÛÌ¿ÙˆÓ.
    ∏ ηٿÏËÍË fï˜ Û ¤Ó· ¢Â›ÎÙË, ÌÂÏÂÙÒÓÙ·˜ ÌfiÓÔ "ÍËÚ¤˜" ˆÏ‹ÛÂȘ (Ì ÙȘ
    ·Ó¿ÏÔÁ˜ ÛÙÚ‚ÏÒÛÂȘ ÙˆÓ ‰ËÏÒÛÂˆÓ ÛÙÔ ∫ÙËÌ·ÙÔÏfiÁÈÔ), ¯ˆÚ›˜ Ó· ˘¿Ú¯ÂÈ
    Î·È ¿ÌÂÛË ÏËÚÔÊfiÚËÛË Û ˆÏ‹ÛÂȘ (ÙfiÛÔ ÚÔÂÚ¯fiÌÂÓ˜ ÂÎ ÙÔ˘ ÂÛˆÙÂÚÈÎÔ‡,
    fiÛÔ Î·È ÂÎ ÙÔ˘ Â͈ÙÂÚÈÎÔ‡), ‰ÂÓ Â›Ó·È Ï‹Ú˘, ¯ˆÚ›˜ ÙËÓ ·fiÎÙËÛË ÙÔ˘
    ·ÈÛı‹Ì·ÙÔ˜ (feeling) Ù˘ ·ÁÔÚ¿˜, ÙÔ˘ Ú˘ıÌÔ‡ ˙‹ÙËÛ˘, ÙÔ˘ Ú˘ıÌÔ‡ ·ÁÔÚ¿˜/
    ÒÏËÛ˘, ÙÔ˘˜ ÏfiÁÔ˘˜ Ô˘ ÂÂÓ‰‡ÔÓÙ·È ÛÙ· ·Î›ÓËÙ· Î·È ÙȘ ÛΤ„ÂȘ ÙˆÓ
    ÂÂÓ‰˘ÙÒÓ/ ÔÏÈÙÒÓ. ø˜, ›Ûˆ˜, ÙÔ ÌÂÁ·Ï‡ÙÂÚÔ ·‰ÂÈÔ‡¯Ô °Ú·ÊÂ›Ô ∫ÙËÌ·ÙÔÌÂÛÈÙÒÓ
    Ù˘ ∫‡ÚÔ˘, Ì ÁÚ·Ê›· ÙfiÛÔ Û fiϘ ÙȘ fiÏÂȘ Î·È Ì ·ÚÎÂÙ‹ ‰Ú·ÛÙËÚÈfiÙËÙ·
    ÛÙÔ Â͈ÙÂÚÈÎfi (΢ڛˆ˜ ∏.µ.) ÈÛÙ‡ԢÌ fiÙÈ ÌÔÚԇ̠ӷ ¤¯Ô˘Ì ÌÈ· Ôχ
    ηϋ ÂÈÎfiÓ· ÛÙÔ ÙÈ Û˘Ì‚·›ÓÂÈ Î·È ÚÔ˜ Ù· Ô˘ ηÙ¢ı‡ÓÔÓÙ·È ÔÈ Ù¿ÛÂȘ.
    ∫·È ¿ÏÈÓ Î·È Ì ÙȘ ÈÔ ¿Óˆ ‰‡Ô ËÁ¤˜ ÏËÚÔÊfiÚËÛ˘, ¯ÚÂÈ¿˙ÂÙ·È Î·È Ô ÙÚ›ÙÔ˜
    ·Ú¿ÁÔÓÙ·˜, ÂΛÓÔ˜ ÙˆÓ Î·Ù·Û΢ÒÓ/ÔÈÎÔ‰ÔÌÒÓ.

    6
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 7

    ∂›ÌÂı· ÙÔ ÌÂÁ·Ï‡ÙÂÚÔ (›Ûˆ˜ Î·È Ó· ÌËÓ ˘¿Ú¯ÂÈ ¿ÏÏÔ ÛÙËÓ ∫‡ÚÔ Â›
    Û˘Ó¯ԇ˜/Â·ÁÁÂÏÌ·ÙÈ΋˜ ‚¿Û˘) °Ú·ÊÂ›Ô ¢È‡ı˘ÓÛ˘ ã∂ÚÁˆÓ, Ì ¯ÚÔÓÈ·›·
    ¤ÚÁ· ÔÈÎÔ‰ÔÌÈ΋˜ ·Ó¿Ù˘Í˘ ÎfiÛÙÔ˘˜ Á‡Úˆ ÛÙ· í10 ÂÎ. Î·È Ô˘ ÂÚÈÏ·Ì‚¿ÓÔ˘Ó
    ·Ó¤ÁÂÚÛË ∆Ú·Â˙ÒÓ (.¯. Arab Bank, Barclays), ˘ÂÚ·ÁÔÚ¤˜ (√ÚÊ·Ó›‰Ë),
    ÍÂÓԉԯ›· (12 ÍÂÓԉԯ›· ÎÏ), ‚ÈÔÌ˯·ÓÈΤ˜ ÂÚÈÔ¯¤˜ (¢‹ÌÔ˜ §Â˘ÎˆÛ›·˜)
    Î·È ¿ÌÔÏÏ· ÔÈÎÈÛÙÈο/ ÂÌÔÚÈο ¤ÚÁ·. ∏ ¯Ú‹ÛË ÙˆÓ ÔÏÈÙÈÎÒÓ Ì˯·ÓÈÎÒÓ
    Ì·˜, ˆÏËÙÒÓ, ÂÎÙÈÌËÙÒÓ Ì ÎÔÈÓfi ·ÚÔÓÔÌ·ÛÙ‹ Î·È Ì ٷ ÎÔÈÓ¿ ÛÂÌÈÓ¿ÚÈ·
    Î·È Ì ÙȘ ÂÛˆÙÂÚÈΤ˜ Û˘˙ËÙ‹ÛÂȘ ÎÏ, ‚ÔËıÔ‡Ó ÛÙËÓ ‰ËÌÈÔ˘ÚÁ›· οÔÈÔ˘
    ηÏÔ‡ ¢Â›ÎÙË, ‰ÈfiÙÈ ÙÔ °Ú·ÊÂ›Ô ·˘Ùfi ¤¯ÂÈ ¿ÌÂÛË Â·Ê‹ Ì ٷ ÎfiÛÙ·
    ηٷÛ΢‹˜ Î·È ÙȘ Ù¿ÛÂȘ, Ù· ÚÔ‚Ï‹Ì·Ù· Ô˘ ·ÚÔ˘ÛÈ¿˙ÔÓÙ·È, ÙȘ ·ÁˆÓ›Â˜
    ÙˆÓ ·ÈÙËÙÒÓ/·‰ÂÈÒÓ, Ù· ÚÔ‚Ï‹Ì·Ù· Ô˘ ·ÚÔ˘ÛÈ¿˙ÔÓÙ·È ÛÙËÓ fiÏË ‰È¿ÚÎÂÈ·
    Ù˘ ·ÓÔÈÎÔ‰fiÌËÛ˘ ÎÏ.
    ∞˘Ù¤˜ ÏÔÈfiÓ ÔÈ 3 ·Ú¿ÌÂÙÚÔÈ fiÙ·Ó ÂÚÈÏ·Ì‚¿ÓÔÓÙ·È Û ¤Ó· °Ú·ÊÂ›Ô ·ÔÙÂÏÔ‡Ó,
    ηٿ ÙËÓ ¿Ô„Ë Ì·˜, ÌÈ· "ȉ·ÓÈ΋" ÏËÚÔÊfiÚËÛË, Ë ÔÔ›· Î·È ‰ÂÓ ‚·Û›˙ÂÙ·È
    Û ÏËÚÔÊfiÚËÛË ·fi ÙÚ›ÙÔ˘˜ ÌfiÓÔ, ·ÏÏ¿ Î·È Ì ‰Èο ÙÔ˘ ÎÚÈÙ‹ÚÈ· Î·È ÚÔÛÂÁÁ›ÛÂȘ.
    ∂˘ÂÏÈÛÙԇ̠fiÙÈ Ô Ó¤Ô˜ ¢Â›ÎÙ˘ ÙÔ˘ 2008 ı· Â›Ó·È ÈÔ ·Ó·‚·ıÌÈṲ̂ÓÔ˜ ηÈ
    ÈÔ ÂÚÈÂÎÙÈÎfi˜ ·fi ÙÔ˘˜ ÚÔËÁÔ‡ÌÂÓÔ˘˜ ¢Â›ÎÙ˜ Ì·˜, Ì·ı·›ÓÔÓÙ·˜ Î·È ·fi
    ÙȘ ‰ÈΤ˜ Ì·˜ ·Ú·Ï‹„ÂȘ Î·È ·fi ÙȘ ηÏԉ¯ԇÌÂÓ˜ ˘ԉ›ÍÂȘ ÙˆÓ Ï·ıÒÓ
    Ì·˜, Ê›ÏˆÓ ÙÔ˘ °Ú·Ê›Ԣ Ì·˜.
    ¶›Ó·Î·˜ ∫·Ù·ÓÔÌ‹˜ ¶ËÁ‹˜ ¶ÏËÚÔÊfiÚËÛ˘ (¤ÙÔ˜ 2007)
    ∂∫∆πª∏™∂π™ ¶ø§∏™∂π™ ¶ø§∏™∂π™ ¶ø§∏™∂π™ ¢π∂À£À¡™∏
    % ∆√À √§√À % ∆√À √§√À ∂™ø∆∂ƒπ∫√À ∂•ø∆∂ƒπ∫√À ∂ƒ°ø¡
    ∞¡∞ ∞¡∞ ∞¡∞
    ∂¶∞ƒÃπ∞ ∂¶∞ƒÃπ∞ ∂¶∞ƒÃπ∞

    §Â˘ÎˆÛ›· 33% 18% 95% 5% 15%


    §ÂÌÂÛfi˜ 21% 25% 30% 70% 30%
    §¿Úӷη 18% 22% 20% 85% 20%
    ¶¿ÊÔ˜ 15% 20% 5% 90% 10%
    ∞ÌÌfi¯ˆÛÙÔ˜ 13% 15% 50% 50% 25%

    √π ∞°√ƒ∞™∆∂™ ™∆∏¡ KY¶ƒπ∞∫∏ ∞°√ƒ∞ ∞∫π¡∏∆ø¡


    H ∫˘Úȷ΋ ·ÁÔÚ¿ ·ÎÈÓ‹ÙˆÓ Â›Ó·È ÌÈ· ·Ú·‰ÔÛȷο ÂÂÓ‰˘ÙÈ΋ ·ÁÔÚ¿, Ì ÙËÓ
    Û˘ÌÌÂÙÔ¯‹ ۯ‰fiÓ ÔÏfiÎÏËÚÔ˘ ÙÔ˘ ÏËı˘ÛÌÔ‡. √ ÛÙfi¯Ô˜ οı ∫‡ÚÈÔ˘ ÔÏ›ÙË
    Â›Ó·È Ë ·fiÎÙËÛË È‰›·˜ ÛÙ¤Á˘ (ÙÒÚ· ÔÛÔÛÙfi ȉÈÔÎÙËÛ›·˜ Á‡Úˆ ÛÙÔ 73%),
    Ë ·fiÎÙËÛË ÂÍÔ¯ÈÎÔ‡ (ÔÛÔÛÙfi ȉÈÔÎÙËÛ›·˜ Á‡Úˆ ÛÙÔ 25%) Î·È È‰›Ô˘ ÁÚ·Ê›Ԣ
    (ÔÛÔÛÙfi ȉÈÔÎÙËÛ›·˜ 15%).

    √ ∫‡ÚÈÔ˜ ÂÂÓ‰˘Ù‹˜ (ÂÎÙfi˜ ȉ›·˜ ¯Ú‹Û˘) ÂÛÙÈ¿˙ÂÈ ÙÔ ÂӉȷʤÚÔÓ ÙÔ˘ ÁÈ·


    ÂÂÓ‰‡ÛÂȘ ÛÙÔ˘˜ ÈÔ Î¿Ùˆ ·ÚÈÔ˘˜ ÙÔÌ›˜:

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    7
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 8

     ∞ÁÔÚ¿ ÎÙ‹Ì·ÙÔ˜ (¯ˆÚ¿ÊÈ) ÁÈ· ÌÂÏÏÔÓÙÈ΋ ˘ÂÚ·Í›·/ Â·Ó·ÒÏËÛË (30%)


    - N· ÛËÌÂȈı› fiÙÈ Û ۯ¤ÛË Ì ÙÔ 2005 Î·È 2006, ÙÔ ¤ÙÔ˜ 2007 ¤‰ÂÈÍÂ
    ·˘ÍËÙÈ΋ Ù¿ÛË, ÌÈ· ηÙ‡ı˘ÓÛË ÙËÓ ÔÔ›· Î·È ·Ó·Ì¤ÓÔ˘Ì fiÙÈ ı· Û˘Ó¯ÈÛı›.
     ∞ÁÔÚ¿ ÔÈÎÔ¤‰Ô˘ ÁÈ· ÌÂÏÏÔÓÙÈ΋ ·Ó¿Ù˘ÍË/Â·Ó·-ÒÏËÛË/Úԛη ·È‰ÈÒÓ

    (13%). ™Â Û¯¤ÛË Ì ÙËÓ ÂÚ›Ô‰Ô 2006, Ë Ù¿ÛË Â›Ó·È ÌÂȈÙÈ΋, ÏfiÁˆ ÙÔ˘
    ·˘ÍË̤ÓÔ˘ ÎfiÛÙÔ˘˜/ÙÈÌÒÓ, Ì ÛÙÚÔÊ‹ ÚÔ˜ Ù· ¯ˆÚ¿ÊÈ·, ȉȷ›ÙÂÚ· ÌÂÙ¿ ÙȘ
    ‰È·ÊÔÚÔÔÈ‹ÛÂȘ ÙˆÓ ··ÈÙ‹ÛÂˆÓ ÙˆÓ ÙÔÈÎÒÓ Û¯Â‰›ˆÓ ÁÈ· ·Ó¤ÁÂÚÛË
    ÌÂÌÔӈ̤Ó˘ ηÙÔÈΛ·˜.
     ∞ÁÔÚ¿ ‰È·ÌÂÚÈÛÌ¿ÙˆÓ ÚÔ˜ ÂÓÔÈΛ·ÛË, ›¯Â ·˘ÍËÙÈ΋ Ù¿ÛË Ì¤¯ÚÈ ÙÔ ¤ÙÔ˜

    2006, ·ÏÏ¿ ÙÔ ¤ÙÔ˜ 2007 ÌÂÈÒıËÎÂ ÛÂ ÔÛÔÛÙfi 17%. ∏ Ù¿ÛË ‚·›ÓÂÈ ÚÔ˜
    Ì›ˆÛË, ÏfiÁˆ Ù˘ ·ÓËÛ˘¯›·˜ ÙˆÓ ÂÂÓ‰˘ÙÒÓ ·fi ÙËÓ ‡·ÚÍË ˘ÂÚÚÔÛÊÔÚ¿˜
    Ô˘ ·Ó·Ì¤ÓÂÙ·È Ó· ÂΉËψı› ÂÓÙfi˜ ÙÔ˘ ¤ÙÔ˘˜ 2008 Î·È ÙÔ˘ ·˘ÍË̤ÓÔ˘
    ÎfiÛÙÔ˘˜/ÙÈÌÒÓ ·ÁÔÚ¿˜ Ì ٷ ÂÓÔ›ÎÈ· Ó· ·Ú·Ì¤ÓÔ˘Ó Û ·ÚfiÌÔÈ· Â›‰·,
    ÂÓÒ Ë ·˘ÍË̤ÓË ··›ÙËÛË ÁÈ· ȉ›· Û˘ÓÂÈÛÊÔÚ¿ ÛÙËÓ ÙÈÌ‹ ·ÁÔÚ¿˜ ÛÙÔ 40%,
    ›¯Â Î·È ·˘Ù‹ ÙȘ ·ÚÂÓ¤ÚÁÂȘ Ù˘.
     ∞ÁÔÚ¿ ÁÚ·Ê›Ԣ ÁÈ· ÂÓÔÈΛ·ÛË (5%).

     ∞ÁÔÚ¿ ηٷÛÙ‹Ì·ÙÔ˜ ÚÔ˜ ÂÓÔÈΛ·ÛË (10%).

     ∂¤Ó‰˘ÛË Û ÎÙ‹Ì·Ù· ÁÈ· ȉ›·Ó ¯Ú‹ÛË .¯. ˆ˜ ÂÚÈ‚fiÏÈ (5%).

     ∞ÁÔÚ¿ ÁÈ· ·Ó¿Ù˘ÍË ·fi ÂȯÂÈÚË̷ٛ˜/ÂÚÁÔÏ¿‚Ô˘˜ (15%).

     ã∞ÏÏÔ˘ ›‰Ô˘˜ ÂÂÓ‰‡ÛÂȘ Û ·Î›ÓËÙ· (5%).

    ∏ ˙‹ÙËÛË/‰Ú·ÛÙËÚÈfiÙËÙ· Ù˘ ∫˘Úȷ΋˜ ·ÁÔÚ¿˜ ·ÎÈÓ‹ÙˆÓ Î·Ù¿ Ù· ÙÂÏÂ˘Ù·›·


    ¯ÚfiÓÈ· ÚÔ¤Ú¯ÂÙ·È Î·Ù¿ 80% ·fi ÓÙfiÈÔ˘˜ Î·È 20% ·fi ͤÓÔ˘˜
    ·ÁÔÚ·ÛÙ¤˜/ÂÂÓ‰˘Ù¤˜ (ˆ˜ ÔÛÔÛÙfi ·Í›·˜). ∆Ô ÔÛÔÛÙfi ÙÔ˘ 20% Â›Ó·È „ËÏfi
    Î·È Ì¿ÏÈÛÙ· fiÙ·Ó Û˘ÁÎÂÓÙÚÒÓÂÙ·È Û ÔÚÈṲ̂Ó˜ ÂÚÈÔ¯¤˜, ÚÔηÏ› ȉȷ›ÙÂÚË
    ¢·ÈÛıËÛ›· ÛÙËÓ ÙÔÈ΋ ·ÁÔÚ¿.
    ∆Ô ÔÛÔÛÙfi ÙˆÓ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ Û˘ÁÎÂÓÙÚÒÓÂÙ·È ÛÂ:
    45% ¶¿ÊÔ
    17% §ÂÌÂÛfi
    23% §¿Úӷη*
    14% ∞ÌÌfi¯ˆÛÙÔ˜
    1% §Â˘ÎˆÛ›·

    * ∏ ·ÁÔÚ¿ Ù˘ §¿Úӷη˜ ·˘Í‹ıËΠ·fi 5% ÙÔ˘ fiÏÔ˘, ÛÙÔ 20% ÙÔ 2006, Û 23%
    ÙÔ ¤ÙÔ˜ 2007, ΢ڛˆ˜ ÏfiÁˆ ÙˆÓ ÈÔ ¯·ÌËÏÒÓ ÙÈÌÒÓ ÙˆÓ Î·ÙÔÈÎÈÒÓ Î·È ÙÔ‡ÙÔ ÂȘ
    ‚¿ÚÔ˜ Ù˘ ¶¿ÊÔ˘ Î·È §ÂÌÂÛÔ‡ (·fi 30% ÌÂÚ›‰ÈÔ Ô˘ ›¯Â Ë §ÂÌÂÛfi˜ ÙÔ ¤ÙÔ˜
    2000 ÌÂÈÒıËΠ۠Â›Â‰Ô ÙÔ˘ 20% ÙÔ 2006 Î·È ÙÒÚ· 17% Î·È Ë ¶¿ÊÔ˜ ·fi ÙÔ
    55% Û 45%). ¶·ÚfiÌÔÈ· ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ ·Ú·ÙËÚÂ›Ù·È Î·È ÛÙËÓ ÂÚÈÔ¯‹ Ù˘
    ÂχıÂÚ˘ ∞ÌÌÔ¯ÒÛÙÔ˘. ¢È·ÊÔÚÔÔÈ‹ÛÂȘ ÛÙȘ ÂÚÈÔ¯¤˜ ˙‹ÙËÛ˘ ·fi ͤÓÔ˘˜
    ÚÔ¤Ú¯ÔÓÙ·È Î·È ·fi ηÙ¢ı‡ÓÔÓÙ˜ ͤÓÔ˘˜ ∫ÙËÌ·ÙÔÌÂÛ›Ù˜ ÌÂÁ¿ÏÔ˘ ÌÂÁ¤ıÔ˘˜, Ë
    ‰Ú·ÛÙËÚÈfiÙËÙ· ÙˆÓ ÔÔ›ˆÓ ‰È·ÊÔÚÔÔÈ› Ù· ‰Â‰Ô̤ӷ. •¤ÓÔ˜ ∫ÙËÌ·ÙÔÌÂÛ›Ù˘
    Ì·˜ ·Ó¤ÊÂÚ fiÙÈ ˆÏ› ÂÚ› ÙȘ 30 ÌÔÓ¿‰Â˜ ÙÔÓ Ì‹Ó· ÛÙËÓ ÂÚÈÔ¯‹ ¶ÚˆÙ·Ú¿, ‰ÈfiÙÈ
    ÂΛ ηÙ¢ı‡ÓÂÈ ÙÔ˘˜ ÂÏ¿Ù˜, ÏfiÁˆ „ËÏfiÙÂÚ˘ ÚÔÌ‹ıÂÈ·˜ (15%)!

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    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 9

    ∞fi Ù· ÔÛÔÛÙ¿ ·˘Ù¿ ÔÈ Î·Ù¿ ÂıÓÈÎfiÙËÙ· ·ÁÔÚ·ÛÙ¤˜ (Ô˘ η٤¯Ô˘Ó οÔÈÔ


    ·ÍÈfiÏÔÁÔ ÔÛÔÛÙfi ÛÙËÓ ·ÁÔÚ¿) ηٷӤÌÔÓÙ·È ˆ˜ ·ÎÔÏÔ‡ıˆ˜:

    ¶∞º√™ §∂ª∂™√™ §∞ƒ¡∞∫∞ ∞ªª√Ãø™∆√™


    2005 2006/7 2005 2006/7 2005 2006/7 2005 2006/7
    µÚÂÙ·ÓÔ› 50% 45% 20% 15% 15% 20% 15% 20%
    °ÈÔ˘ÁÎÔÛÏ¿‚ÔÈ --- --- 100% 100% --- --- --- ---
    °ÂÚÌ·ÓÔ› 10% --- 90% 90% --- --- --- ---
    ã∞ÏÏÔÈ
    ∂˘Úˆ·›ÔÈ 50% 45% 20% 25% 15% 15% 15% 15%
    ƒÒÛÔÈ 20% 20% 60% 55% 10% 15% 10% 10%
    ã∞Ú·‚˜ 10% 10% 80% 80% 10% 10% --- ---
    ∫‡ÚÈÔÈ 15% 15% 10% 10% 30% 30% 45% 45%
    ∂ÍÔ¯Èο *1 **11

    *1 ∫˘Ú›ˆ˜ ‚fiÚÂÈ· ·Ú¿ÏÈ· ** 11 ∫˘Ú›ˆ˜ ÔÚÂÈÓ¿ ı¤ÚÂÙÚ·

    ∞ӷ̤ÓÂÙ·È fiÙÈ ÙÔ 2009/2010 ı· ‰È·ÊÔÚÔÔÈËı› ÏfiÁˆ ÙˆÓ Ó¤ˆÓ ÁË¤‰ˆÓ


    ÁÎÔÏÊ Î·È Ù· ÔÈÎÈÛÙÈο ¤ÚÁ· ÛÙȘ Ì·Ú›Ó˜ (Â¿Ó ‚Ú›ÛÎÔÓÙ·È Ì¤¯ÚÈ ÙfiÙ ÛÙÔ
    ÛÙ¿‰ÈÔ Ù˘ ÚÔÛÊÔÚ¿˜/‰È¿ıÂÛ˘ ÛÙËÓ ·ÁÔÚ¿).

    ∏ ˙‹ÙËÛË ÁÈ· ÂÍÔ¯Èο ·fi ÓÙfiÈÔ˘˜ ÚÔ¤Ú¯ÂÙ·È Î·Ù¿ ·ÚÈÔ ÏfiÁÔ ·fi ÙÔ˘˜
    §Â˘ÎˆÛÈ¿Ù˜ Î·È ·Ó·Ï‡ÂÙ·È ˆ˜ ·ÎÔÏÔ‡ıˆ˜:
    §Â˘ÎˆÛ›· 65%
    §ÂÌÂÛfi˜ 20%
    §¿Úӷη 10%
    ¶¿ÊÔ˜ 5%

    To 2006-2007 ‰È·ÈÛÙÒıËΠ¤Ó· ·˘ÍËÙÈÎfi ÂӉȷʤÚÔÓ ·fi ͤÓÔ˘˜, ΢ڛˆ˜,


    ÂÂÓ‰˘ÙÈο Ù·Ì›· (Property Investment Funds) Ì ÚÔ¸ÔÏÔÁÈÛÌfi ÁÈ· ÂÂÓ‰‡ÛÂȘ
    ÛÙËÓ ∫‡ÚÔ Á‡Úˆ ÛÙ· §∫30 ÂÎ. ÙÔ ¤Ó·. ∂¿Ó ·˘Ù‹ Ë Ù¿ÛË Û˘Ó¯ÈÛı›, ›Ûˆ˜ ÙÔ
    ÔÛÔÛÙfi Ù˘ ·ÁÔÚ¿˜ ÙˆÓ Í¤ÓˆÓ Ó· ‰È·ÊÔÚÔÔÈËı› ÛÙÔ Ì¤ÏÏÔÓ. ∆· ÂÂÓ‰˘ÙÈο
    ·˘Ù¿ Ù·Ì›· Û˘Ó‹ıˆ˜ ·¢ı‡ÓÔÓÙ·È ÁÈ· ·Ó·Ù˘Íȷο ÎÙ‹Ì·Ù· Î·È ÁˆÚÁÈο ÌÂ
    ÚÔÔÙÈΤ˜ ÌÂÏÏÔÓÙÈ΋˜ ¤ÓÙ·Í˘ Û ÂÚÈÔ¯‹ ·Ó¿Ù˘Í˘ Î·È ˆ˜ ÂÎ ÙÔ‡ÙÔ˘ ̤¯ÚÈ
    Û‹ÌÂÚ· ‰ÂÓ ¤¯Ô˘Ó ¿ÌÂÛÔ ÂËÚ·ÛÌfi ÛÙÔ˘˜ ÓÙfiÈÔ˘˜ ·fi ÙȘ ‰ÈΤ˜ ÙÔ˘˜
    ÂÂÓ‰‡ÛÂȘ. ã∂¯Ô˘Ó fï˜ Ù·˘Ùfi¯ÚÔÓ· ‰ËÌÈÔ˘ÚÁËı› Î·È ‚Ú›ÛÎÔÓÙ·È ˘fi ÂͤÏÈÍË
    Î·È ÓÙfiÈ· ÂÂÓ‰˘ÙÈο Ù·Ì›· ·ÎÈÓ‹ÙˆÓ Ì §∫15-§∫40 ÂÎ. ÎÂÊ·Ï·›ˆÓ ÙÔ ¤Ó·
    Î·È Ë ‰Ú·ÛÙËÚÈfiÙËÙ· ÙÔ˘˜, ·Ó¿ÏÔÁ· Ô˘ ı· ηÙ¢ı‡ÓÔ˘Ó ÙȘ ÂÂÓ‰‡ÛÂȘ ÙÔ˘˜,
    ı· ÂËÚ¿ÛÔ˘Ó ÙËÓ ·ÁÔÚ¿. ∆Ô ÂӉȷʤÚÔÓ ÙˆÓ ÂÂÓ‰˘ÙÈÎÒÓ Ù·Ì›ˆÓ ÓÙfiȈÓ
    Î·È Í¤ÓˆÓ, Ì ‰˘Ó·ÙfiÙËÙ· Â¤Ó‰˘Û˘ ηı’ ˘ÔÏÔÁÈÛÌfi ·fi ÙȘ ‰ÈΤ˜ Ì·˜
    ÂÌÂÈڛ˜ ·Ó¤Ú¯ÔÓÙ·È Û ۇÓÔÏÔ ¤Ú·Ó ÙˆÓ í200 ÂÎ. Ì·˙› Ì ÙÔÓ Û¯ÂÙÈÎfi
    ‰·ÓÂÈÛÌfi, ÔÛfi Ôχ „ËÏfi ÁÈ· ÙËÓ ∫˘Úȷ΋ ·ÁÔÚ¿.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


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    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 10

    √π ∆πª∂™ ∞°√ƒø¡ •∂¡ø¡:


    √È ÙÈ̤˜ ·ÁÔÚÒÓ ‰È·ÊÔÚÔÔÈÔ‡ÓÙ·È ·Ó¿ ÂÚÈÔ¯‹ Î·È ·Ó¿ ›‰Ô˜, ˆ˜ Â›Û˘ Î·È ·Ó¿
    ηÙËÁÔÚ›· ÂıÓÈÎfiÙËÙ·˜. ∂›Ó·È Ôχ ‰‡ÛÎÔÏÔ Ó· ÚÔÛ‰ÈÔÚÈÛÙ› Ë Í¤ÓË ˙‹ÙËÛË
    ÏfiÁˆ ÙÔ˘ fiÙÈ Ù· ‰È¿ÊÔÚ· ¤ÚÁ· ¤¯Ô˘Ó ‰È¿ÊÔÚ˜ ‰È¢ÎÔχÓÛÂȘ Î·È ÙÔÔıÂۛ˜
    (.¯. ı¿Ï·ÛÛ· Î·È ÌË). ø˜ fï˜ ¤Ó·˜ ÁÂÓÈÎfi˜ ‰Â›ÎÙ˘, Û·˜ ·Ú·ı¤ÙÔ˘Ì ٷ
    ÈÔ Î¿Ùˆ (fi¯È Â› Ù˘ ·Ú·Ï›·˜). ∞ÚÈıÌÔ› Û ∫˘ÚȷΤ˜ ϛژ Û ¯ÈÏÈ¿‰Â˜.

    ¶√§∏ µÚÂÙ·ÓÔ› °ÈÔ˘ÁÎÔÛÏ¿‚ÔÈ °ÂÚÌ·ÓÔ› ã∞ÏÏÔÈ ƒÒÛÔÈ ã∞Ú·‚˜


    ∂˘Úˆ·›ÔÈ

    ¶¿ÊÔ˜ ¢È·Ì. 100-120 --- ---- 80-120 --- ---


    ∫·Ù. 150-350 --- 200-350 130-250 250-600 300-350
    §ÂÌÂÛfi˜ ¢È·Ì. 100-150 60-80 100-150 80-150 150-250 150-180
    ∫·Ù. 150-250 --- 300-500 130-180 250-800 300-600
    §¿Úӷη ¢È·Ì. 70-100 --- ---- 70-120 --- ---
    ∫·Ù. 120-170 --- ---- 120-160 300-500 180-200
    ∞ÌÌfi¯ˆÛÙÔ˜ ¢È·Ì. 70-80 --- ---- 70-100 --- ---
    ∫·Ù. 150-200 --- ---- 120-200 350-450 ---

    ∏ ¶∂ƒπ√¢√™ 2001-2003
    ∏ ÂÚ›Ô‰Ô˜ ÙÔ˘ 2000-2003 ¯·Ú·ÎÙËÚ›˙ÂÙ·È ·fi Ú·Á‰·›Â˜ ·˘Í‹ÛÂȘ ÙˆÓ
    ÙÈÌÒÓ Ô˘ ¤Êı·Û·Ó ÙÔ 20%-25%/¤ÙÔ˜, ÛÂ Û˘ÓÔÏÈÎfi ÔÛÔÛÙfi ·‡ÍËÛ˘ ÙËÓ
    ÙÚÈÂÙ›· ·˘Ù‹ 60%-75%. ∏ ·‡ÍËÛË fï˜ ·˘Ù‹ ·Ó·Ê¤ÚÂÙ·È Î·Ù¿ ·ÚÈÔ ÏfiÁÔ ÛÙË
    ÛÙ¤ÁË (ÔÈÎfi‰·/ηÙÔÈ˘/‰È·ÌÂÚ›ÛÌ·Ù·/ÂÍÔ¯Èο) Î·È fi¯È ÁÈ· Ù· ¿ÏÏ· ›‰Ë
    Ù˘ ·ÁÔÚ¿˜, fiˆ˜ ÁÚ·Ê›·/ ηٷÛÙ‹Ì·Ù·/ ÂÚÁÔÛÙ¿ÛÈ·/ÍÂÓԉԯ›· ÎÏ.

    √È ÏfiÁÔÈ Ô˘ ÒıËÛ·Ó ÙËÓ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ Î·È Î·Ù’ Â¤ÎÙ·ÛË ÙËÓ ÒıËÛË
    ÙˆÓ ÙÈÌÒÓ ÚÔ˜ Ù· ¿Óˆ ‹ÙÔ:

    ■ ∏ ÂÈÛ·ÁˆÁ‹ ÛÙËÓ ·ÁÔÚ¿ ÁÈ· ·Î›ÓËÙ· ¯ÚËÌ·ÙÔ‰ÔÙÈÎÒÓ Ï¿ÓˆÓ Ì ̷ÎÚÔ¯ÚfiÓÈ·


    ·ÔÏËڈ̋ Î·È Ì ¯·ÌËÏ‹ ÚÔηٷ‚ÔÏ‹, (fiÔ˘, ÌÂÙ¿ ÙËÓ ÚÔηٷ‚ÔÏ‹,
    Ë ‰fiÛË Û¯Â‰fiÓ ÈÛÔ‡Ù·È Ì ÙÔ ÂÓÔ›ÎÈÔ), ·‡ÍËÛ ηٿ 4 ÊÔÚ¤˜ ÂÚ›Ô˘ ÙËÓ
    ÓÙfiÈ· ˙‹ÙËÛË. ∆·˘Ùfi¯ÚÔÓ· ÙÔ ¿ÓÔÈÁÌ· Ù˘ ¯ÚËÌ·ÙÔ‰fiÙËÛ˘ ·fi ÓÙfiȘ
    ÙÚ¿Â˙˜ Û ͤÓÔ˘˜ ‚Ô‹ıËÛ ÛÙËÓ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ (·fi ͤÓÔ˘˜), ‰ÈfiÙÈ
    ÁÈ· ÚÒÙË ÊÔÚ¿ ͤÓÔÈ ·ÁÔÚ·ÛÙ¤˜ ¯ÚËÌ·ÙÔ‰ÔÙÔ‡ÓÙ·È (·fi ηıfiÏÔ˘) ÛÙËÓ
    ∫‡ÚÔ Î·È Ì¿ÏÈÛÙ· Û ̷ÎÚÔ¯ÚfiÓÈ· ÌÔÚÊ‹.
    ■ √È ¯·ÌËÏÔ› ÙfiÎÔÈ Î·Ù·ı¤ÛÂˆÓ ÙÔ˘ 3%-4% ¤ÛÙÚ„ ÙËÓ ÚÔÛÔ¯‹ ÙˆÓ ÂÂÓ‰˘ÙÒÓ
    Î·È ÛÙ˜ ÂÂÓ‰‡ÛÂȘ ·ÎÈÓ‹ÙˆÓ Ô˘ ‰Â›¯ÓÔ˘Ó ÌÈ· ÂÏ¿¯ÈÛÙË ·fi‰ÔÛË ·fi
    ÏÂ˘Ú¿˜ ÂÈÛÔ‰‹Ì·ÙÔ˜/ÂÓÔÈΛԢ Â› Ù˘ ·ÁÔÚ·›·˜ ·Í›·˜ 4%-5% Î·È ·‡ÍËÛË
    Ù˘ ÎÂÊ·Ï·ÈÔ˘¯È΋˜ ·Í›·˜ ÂÈϤÔÓ 5%-10% (ÌÂÙ¿ ÙÔ 2003).
    ■ ∏ ·ÔÁÔ‹Ù¢ÛË ÙˆÓ ÂÂÓ‰˘ÙÒÓ ÙÔ˘ Ã∞∫ Î·È ÙÔ ÌË ÔÚ·Ùfi ηχÙÂÚÔ Ì¤ÏÏÔÓ
    ηÙ‡ı˘Ó ¤Ó· ·ÚÈıÌfi ÂӉȷÊÂÚfiÌÂÓˆÓ ÂÂÓ‰˘ÙÒÓ ÛÙËÓ ·ÁÔÚ¿ ·ÎÈÓ‹ÙˆÓ.

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    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 11

    ■ ∏ ·ÏÏ·Á‹ Ù˘ ÓÔÔÙÚÔ›·˜ ÙˆÓ Ó¤ˆÓ Ó· ·ÔÎÙ‹ÛÔ˘Ó ‰È΋ ÙÔ˘˜ ‹ Ì ÂÓÔ›ÎÈÔ


    ‰È΋ ÙÔ˘˜ ÛÙ¤ÁË, ÚfiÛıÂÛ ӤԢ˜ ·ÁÔÚ·ÛÙ¤˜ Î·È ÂÓÔÈÎÈ·ÛÙ¤˜ ÛÙËÓ ·ÁÔÚ¿.
    ■ ∏ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ ·fi ÊÔÈÙËÙ¤˜ ÁÈ· ÂÓÔÈΛ·ÛË Ô˘ ÚÔÛ¤Ï΢Û ÂÂÓ‰˘Ù¤˜
    ÁÈ· ÂÓÔÈΛ·ÛË.
    ■ ∏ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ ·fi ͤÓÔ˘˜ (ÏfiÁˆ ∂.∂.).
    ■ ∏ ÔÚ›· ÚÔ˜ ÙËÓ ∂. ã∂ÓˆÛË Î·È Ë "Â›Ï˘ÛË" ÙÔ˘ ∫˘ÚÈ·ÎÔ‡ (fiÛÔÓ ·ÊÔÚ¿
    ÙÔÓ Î›Ó‰˘ÓÔ ÔϤÌÔ˘), ·‡ÍËÛ ÙËÓ ÂÌÈÛÙÔÛ‡ÓË Û ·˘ÙÔ‡ ÙÔ˘ ›‰Ô˘˜ ÙȘ
    ÂÂÓ‰‡ÛÂȘ Ô˘ Â›Ó·È Û¯ÂÙÈο „ËÏÔ‡ ÎfiÛÙÔ˘˜.
    ■ ∫Ï

    ∆√ ∂∆√™ 2004
    ∆Ô ¤ÙÔ˜ ·˘Ùfi ÌÔÚ› Ó· ¯·Ú·ÎÙËÚÈÛÙ› ˆ˜ ¤Ó· ¤ÙÔ˜ ÂÈ‚Ú¿‰˘ÓÛ˘ Ù˘
    ·˘ÍËÙÈ΋˜ Ù¿Û˘. √È ·˘ÍËÙÈΤ˜ Ù¿ÛÂȘ Û˘Ó¯›ÛıËηÓ, ·ÏÏ¿ Û Ôχ
    ¯·ÌËÏfiÙÂÚÔ˘˜ Ú˘ıÌÔ‡˜. √ ÁÂÓÈÎfi˜ ‰Â›ÎÙ˘ ÙÈÌÒÓ ¤‰ÂÈÍ ÌÈ· ·‡ÍËÛË ÛÙÔ 10%
    ÌfiÓÔ, ηٿ ÙÔ˘˜ 12 Ì‹Ó˜ ÙÔ˘ 2004, ·fi Ù· Â›‰· ÙÔ˘ 20%-25% ÙÔÓ ¯ÚfiÓÔ
    ÙˆÓ ÚÔËÁÔ‡ÌÂÓˆÓ ÂÙÒÓ Î·È ÙÔ‡ÙÔ ÔÊ›ÏÂÙÔ:
    ■ ™ÙËÓ ·‡ÍËÛË ÙˆÓ ÙÈÌÒÓ Î·Ù·ÎfiÚ˘Ê·, ¯ˆÚ›˜ ÙËÓ ·Ó¿ÏÔÁË ·‡ÍËÛË ÙÔ˘ ÂÈÛÔ‰‹Ì·ÙÔ˜

    ÙˆÓ ÂÂÓ‰˘ÙÒÓ. ∞˘Ùfi ÚÔοÏÂÛ Ì›ˆÛË Ù˘ ˙‹ÙËÛ˘, ÙfiÛÔ ·fi ÓÙfiÈÔ˘˜,
    fiÛÔ Î·È ·fi ͤÓÔ˘˜.
    ■ ™ÙËÓ ·‡ÍËÛË ÙÔ˘ ‚·ÛÈÎÔ‡ ÙfiÎÔ˘ ηٿ 1% ·fi ÙËÓ ∫ÂÓÙÚÈ΋ ∆Ú¿Â˙·, ˆ˜

    Â›Û˘ Î·È ÛÙËÓ ··›ÙËÛË Ù˘ ·˘ÍË̤Ó˘ Û˘ÓÂÈÛÊÔÚ¿˜ ÁÈ· ·ÁÔÚ¤˜ ·fi ÙÔ˘˜
    ·ÁÔÚ·ÛÙ¤˜, ηÙfiÈÓ Ô‰ËÁÈÒÓ Ù˘ ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ ÛÙÔ 20%-25% ·fi ÙÔ
    ·Ú¯ÈÎfi 10%-15%.
    ■ ™ÙËÓ Û˘˙‹ÙËÛË Ô˘ ÚÔοÏÂÛ ‰È¿ÊÔÚ˜ ‰ËÏÒÛÂȘ ÙÔÈÎÒÓ Î·È ‰ÈÂıÓÒÓ

    ÂÓÙ‡ˆÓ ÂÚ› ÊÔ‡Ûη˜ ÛÙ· ·Î›ÓËÙ·.


    ■ ™ÙËÓ Ì›ˆÛË Û ÚÔÛÂÎÙfi ‚·ıÌfi Ù˘ ˙‹ÙËÛ˘ ÁÈ· ·Î›ÓËÙ·, fiÛÔÓ ·ÊÔÚ¿ ͤÓÔ˘˜,

    Ô˘ ÔÊ›ÏÂÙÔ ÙfiÛÔ ÛÙËÓ ·˘ÍË̤ÓË ‰È·ÊÔÚ¿ ÛÙÂÚϛӷ˜/∫˘Úȷ΋˜ ϛڷ˜, ÛÙËÓ


    ·‡ÍËÛË ÙˆÓ ÙÈÌÒÓ Î·È ÛÙËÓ ÂÈÛ·ÁˆÁ‹ ÛÙËÓ ‰ÈÂıÓ‹ ·ÁÔÚ¿ ÂÂÓ‰‡ÛÂˆÓ ·ÎÈÓ‹ÙˆÓ
    ¿ÏÏˆÓ ·ÓÙ·ÁˆÓÈÛÙÈÎÒÓ ¯ˆÚÒÓ, fiˆ˜ Ë µÔ˘ÏÁ·Ú›·, ∆Ô˘ÚΛ·, ∫ÚÔ·Ù›·, ÌÂ
    Ôχ ÊıËÓfiÙÂÚ· ·Î›ÓËÙ· Ô˘ ·¢ı‡ÓÔÓÙ·È ÚÔ˜ ÙÔ˘˜ ͤÓÔ˘˜ ·ÁÔÚ·ÛÙ¤˜.
    ∆·˘Ùfi¯ÚÔÓ· ¿Ú¯ÈÛ ӷ ·ÚÔ˘ÛÈ¿˙ÂÙ·È Û ¤ÓÙÔÓÔ ϤÔÓ ‚·ıÌfi, Ë ·‡ÍËÛË
    Ù˘ ˙‹ÙËÛ˘ ·fi ͤÓÔ˘˜ ÁÈ· Ù· ∆/∫Ú·ÙÔ‡ÌÂÓ·.
    ■ ∏ Ì›ˆÛË ÙÔ˘ Ú˘ıÌÔ‡ ·‡ÍËÛ˘ ı· ‹ÙÔ ÌÂÁ·Ï‡ÙÂÚË Â¿Ó ‰ÂÓ ˘‹Ú¯·Ó Ù· ıÂÙÈο

    ÛÙÔȯ›·, fiˆ˜ Ë ¤ÓÙ·ÍË Ù˘ ∫‡ÚÔ˘ ÛÙËÓ ∂˘Úˆ·˚΋ ã∂ÓˆÛË, Ë ÊÔÚÔÏÔÁÈ΋


    ·ÌÓËÛÙ›· Ì ̤ÚÔ˜ ·fi Ù· ÙÂÚ¿ÛÙÈ· ·˘Ù¿ "ÎÚ˘Ê¿" ÎÂÊ¿Ï·È· Ó· ÂÂÓ‰‡ÔÓÙ·È
    Û ·Î›ÓËÙ· Î·È ÛÙ˜ Û˘Ó¯›˜ ·˘Í‹ÛÂȘ ÙÔ˘ ηٷÛ΢·ÛÙÈÎÔ‡ ÎfiÛÙÔ˘˜, ÂÓÒ
    ‚Ô‹ıËÛ ÙËÓ ˙‹ÙËÛË Î·È Ë ÙfiÙ ·Ó·ÌÂÓfiÌÂÓË ÂÈ‚ÔÏ‹ º.¶.∞. ÛÙȘ ·ÁÔÚ¤˜
    ·ÎÈÓ‹ÙˆÓ Ô˘ ı· ÂÈ‚¿ÏÏÂÙÔ Û Ӥ· ÎÙ›ÚÈ·, ÚÔηÏÒÓÙ·˜ οÔÈ· ÌÂÏÏÔÓÙÈ΋
    ˙‹ÙËÛË Ó· ÂΉËψı› ÈÔ ÁÚ‹ÁÔÚ·.

    ∆ÔÓ›˙Ô˘ÌÂ Â‰Ò fiÙÈ ÔÈ ·˘Í‹ÛÂȘ ÙÔ˘ 2004 ·Ó·Ê¤ÚÔÓÙ·È Û ·Î›ÓËÙ· Ô˘ ¤¯Ô˘Ó
    Û¯¤ÛË Ì ÙËÓ ÛÙ¤ÁË/ηÙÔÈΛ·, fiˆ˜ ÔÈÎfi‰·/‰È·ÌÂÚ›ÛÌ·Ù·/ηÙÔÈ˘/ÎÙ‹Ì·Ù·

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    11
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 12

    ÁÈ· ·Ó¿Ù˘ÍË ÎÏ. ¢ÂÓ ·Ú·ÙËÚ‹ıËΠη̛· ·‡ÍËÛË Û ÁˆÚÁÈο ÎÙ‹Ì·Ù·,


    ÂÎÙfi˜ Ù· ÁˆÚÁÈο ÂΛӷ ÎÙ‹Ì·Ù· Ô˘ ¤¯Ô˘Ó ÚÔÔÙÈΤ˜ ·Ó¿Ù˘Í˘ Û ۇÓÙÔÌÔ
    ¯ÚÔÓÈÎfi ‰È¿ÛÙËÌ· .¯. ·Ó·ÌÂÓfiÌÂÓË ÂÚ›Ô‰Ô˜ 5 ¯ÚfiÓÈ· ÁˆÚÁÈÎÒÓ ÎÙËÌ¿ÙˆÓ
    ÁÈ· ¤ÓÙ·ÍË ÙÔ˘˜ Û ÂÚÈÔ¯¤˜ ·Ó¿Ù˘Í˘. °È· Ù· ÙÔ˘ÚÈÛÙÈο ηٷχ̷ٷ ‰ÂÓ
    ˘‹ÚÍ η̛· ·‡ÍËÛË Î·È Ì¿ÏÏÔÓ Ì›ˆÛË Ì ‡·ÚÍË ÂӉȷʤÚÔÓÙÔ˜ Û ÂÏ¿¯ÈÛÙÔ
    ‚·ıÌfi, ÏfiÁˆ Ù˘ ηٿÛÙ·Û˘ ÙÔ˘ ÙÔ˘ÚÈÛÌÔ‡ Î·È Ù˘ ÌË ¿ÌÂÛ· ıÂÙÈ΋˜ ÙÔ˘
    ÚÔÔÙÈ΋˜. ∏ ˙‹ÙËÛË Î·È ÔÈ ÙÈ̤˜ ÁÈ· Ù· ÁÚ·Ê›· ·Ú¤ÌÂÈÓ·Ó ÛÙ¿ÛÈ̘, ÂÓÒ
    ÂÚÁÔÛÙ¿ÛÈ· ‰È·Ù‹ÚËÛ·Ó ÙȘ ›‰È˜ ÙÈ̤˜ ÙÔ˘˜ Û ۯ¤ÛË Ì ÙÔ 2003.

    ∆√ ∂∆√™ 2005
    ™Â ÁÂÓÈΤ˜ ÁÚ·Ì̤˜ ÙÔ ¤ÙÔ˜ ·˘Ùfi ÌÔÚ› Ó· ¯·Ú·ÎÙËÚÈÛı› ˆ˜ ¤ÙÔ˜ ÛÙ·ıÂÚÔÔ›ËÛ˘,
    Ì ÙȘ ÙÈ̤˜ Ó· ‰Â›¯ÓÔ˘Ó ÌÈ· ·˘ÍËÙÈ΋ ÌÂÓ ÔÚ›·, Ë ÔÔ›· ‰ÂÓ ÍÂ¤Ú·Û ÙÔ
    5%, ÂÓÒ Û ÔÚÈṲ̂Ó˜ ÂÚÈÔ¯¤˜ Â·ÎÔÏÔ‡ıËÛÂ Î·È ÌÈ· ÙÒÛË (¶¿ÊÔ˜) Ù˘
    Ù¿Í˘ ÙÔ˘ 10%-15%. ¶ÈÔ ·Ó·Ï˘ÙÈο Û·˜ ·Ú·ı¤ÙÔ˘Ì ٷ ·ÎfiÏÔ˘ı·, (˘ÈÔıÂÙÒÓÙ·˜
    ˆ˜ ÌÔÓ¿‰· ‚¿Û˘ ÙÔ 100 ηٿ ÙËÓ 1.1.2005) ÁÈ· Ó· ‰Â›ÍÔ˘Ì ÙȘ Ù¿ÛÂȘ Ù˘ ·ÁÔÚ¿˜.

    ∏ Ì›ˆÛË ÙˆÓ ÙÈÌÒÓ ÛÙËÓ ¶¿ÊÔ ¤¯ÂÈ ÂΉËψı› ›Ù Û ·¢ı›·˜ Ì›ˆÛË
    ÙˆÓ ÙÈÌÒÓ (΢ڛˆ˜ ηÙÔÈÎÈÒÓ Ô˘ ·¢ı‡ÓÔÓÙ·È Û ͤÓÔ˘˜) ›Ù ˘fi ÌÔÚÊ‹
    ·˘ÍË̤Ó˘ ÌÂÛÈÙ›·˜ (8%-10% Û ·ÓÙ›ıÂÛË Ì ¿ÏϘ Â·Ú¯›Â˜ ÙÔ˘ 3%-5%) ÙËÓ
    Û˘ÌÂÚ›ÏË„Ë ÛÙËÓ ÙÈÌ‹ ‰È¿ıÂÛ˘ ÂÍÔÏÈÛÌÔ‡, ÂÎÙÒÛÂȘ ·fi ÙȘ ‰È·ÊËÌÈ˙fiÌÂÓ˜
    ÙÈ̤˜, ·Ó·‚·ÏÏfiÌÂÓ˜ ÏËڈ̤˜ ÎÏ. ∏ Ì›ˆÛË ·˘Ù‹ ÚÔÂÎÏ‹ıË ÙfiÛÔ ·fi
    ÙȘ ÈÔ „ËϤ˜ ÙÈ̤˜ ÌÔÓ¿‰ˆÓ ÛÙËÓ ¶¿ÊÔ, Û ۯ¤ÛË Ì ¿ÏϘ Â·Ú¯›Â˜, ÙËÓ
    οıÂÙË ·‡ÍËÛË Ù˘ ÚÔÛÊÔÚ¿˜, ÂÓÒ Ë Ì¤¯ÚÈ ÙfiÙ "ÎÔÈÌÒÌÂÓË" Â·Ú¯›·
    §¿Úӷη˜, ¤‰ÂÈÍ ÌÈ· ¤ÓÙÔÓË ÂÏ΢ÛÙÈÎfiÙËÙ· Ì ÙÈ̤˜ Á‡Úˆ ÛÙÔ 15%-20% ÈÔ
    ¯·ÌËϤ˜ ·fi ÂΛӘ Ù˘ ¶¿ÊÔ˘ Î·È 10% ÈÔ ¯·ÌËϤ˜ ·fi ÂΛӘ Ù˘
    §ÂÌÂÛÔ‡ (Û ÂÍÔ¯Èο ÁÈ· ͤÓÔ˘˜).

    ¶∞º√™ §∂ª∂™√™ §∞ƒ¡∞∫∞ ∞ªª√Ãø™∆√™ §∂À∫ø™π∞


    √ÈÎfi‰· +3% +5% +5% +7% +5%
    ¢È·ÌÂÚ›ÛÌ·Ù· -10% +7% +7% +10% +7%
    ∫·ÙÔÈ˘ -12% +3% +3% +10% +5%
    °Ú·Ê›· 0 0 0 0 +3%
    ∫·Ù·ÛÙ‹Ì·Ù· 0 0 0 0 0
    ∞Ó·Ù˘Íȷο
    ¯ˆÚ¿ÊÈ· -5% 0 0 +7% +5%
    °ÂˆÚÁÈο
    ÈڿÊÈ· 0 0 0 +3% +5%
    µÈÔÌ˯·Ó›Â˜ 0 +5% +5% 0 +5%
    •ÂÓԉԯ›· 0 0 0 0 0
    ∂ÍÔ¯Èο -10% +7% +7% +10% 0

    12
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 13

    ¶∞ƒ∞¡∂ƒ°∂π∂™ ™∆∏¡ ª∂∆∞ Ã∞∫ ∂¶√Ã∏


    ∏ ÌÂÙ¿ Ã∞∫ ÂÔ¯‹, ÂÎÙfi˜ ·fi ÙËÓ ÛÙÚÔÊ‹ ·˘ÍËÙÈÎÔ‡ ·ÚÈıÌÔ‡ ÂÂÓ‰˘ÙÒÓ ÛÂ
    ·Î›ÓËÙ·, ÚÔοÏÂÛÂ Î·È ‰È¿ÊÔÚ˜ ¿ÏϘ ÂÈÙÒÛÂȘ ÛÙËÓ ·ÁÔÚ¿ ÙˆÓ ·ÎÈÓ‹ÙˆÓ
    Ô˘ ·ÎfiÌË Â›Ó·È Ì·˙› Ì·˜.
    ªÂÈÒıËΠοıÂÙ· Ë ˙‹ÙËÛË ÁÈ· ηÙÔÈ˘ ÔÏ˘ÙÂÏ›·˜ (¤Ú·Ó ÙˆÓ í500.000)
    Ô˘ ·ÁÔÚ¿˙ÔÓÙ·Ó Î˘Ú›ˆ˜ ·fi Ó·ÚÔ‡˜ ¯ÚËÌ·ÙÈÛÙ¤˜ Î·È ¿ÏÏÔ˘˜ ÙˆÓ Â‡ÎÔψÓ
    ÎÂÚ‰ÒÓ Î·È Ë ·ÁÔÚ¿ ÙÒÚ· ÁÈ· ηÙÔÈ˘ ¤Ú·Ó ÙˆÓ í500.000 Â›Ó·È Ôχ
    ÂÚÈÔÚÈṲ̂ÓË (ÂÎÙfi˜ ·fi ·ÁÔÚ¤˜ Í¤ÓˆÓ Û ÙÔ˘ÚÈÛÙÈΤ˜ ÂÚÈÔ¯¤˜ Î·È ·fi
    ∫‡ÚÈÔ˘˜ ÙÔ˘ Â͈ÙÂÚÈÎÔ‡). ∆·˘Ùfi¯ÚÔÓ· ÌÂÈÒıËÎÂ Ë ˙‹ÙËÛË ÁÈ· ÁÚ·Ê›·, ‰ÈfiÙÈ
    ÔÈ Ï›ÛÙ˜ fiÛ˜ ÂÙ·ÈÚ›˜ Ô˘ ÚÔÛ·ıÔ‡Û·Ó Ó· ÂÓÙ·¯ıÔ‡Ó ÛÙÔ Ã∞∫ (·Ó·ÌÂÓfiÌÂÓË
    Ô˘Ú¿ ¤ÓÙ·Í˘ ¢ڛÛÎÂÙÔ ÛÙȘ 150 ÂÙ·ÈÚ›˜ ÂÚ›Ô˘), ·ÁfiÚ·˙·Ó Ù· ‰Èο ÙÔ˘˜
    ÁÚ·Ê›·. ∏ Ì›ˆÛË Ù˘ ˙‹ÙËÛ˘ ÁÚ·Ê›ˆÓ ‹Ù·Ó ȉȷ›ÙÂÚ· ·ÈÛıËÙ‹ ÛÙËÓ §Â˘ÎˆÛ›·
    (fiÔ˘ ÂÛÙ›·˙·Ó ÙËÓ ˙‹ÙËÛË ÔÈ Ï›ÛÙ˜ fiÛ˜ ÂÙ·ÈÚ›˜ ·Ó·ÌÔÓ‹˜ ÙÔ˘ Ã∞∫).
    ∂‹Ïı Â›Û˘ ÌÈ· οıÂÙË Ì›ˆÛË Ù˘ ˙‹ÙËÛ˘ Û ·ÁÔÚ¤˜ ηٷÛÙËÌ¿ÙˆÓ ÏfiÁˆ
    ÙÒÛ˘ Ù˘ ·ÁÔÚ·ÛÙÈ΋˜ ‰˘Ó·ÙfiÙËÙ·˜, ȉȷ›ÙÂÚ· Û ηٷÛÙ‹Ì·Ù· ÔÏ˘ÙÂÏÒÓ
    ÂÌÔÚÂ˘Ì¿ÙˆÓ, ÂÓÒ ÂÎÙfi˜ ·fi ÔÚÈṲ̂Ó˜ ÂÚÈÙÒÛÂȘ Ù· Â›‰· ÏËÚˆÙ¤Ô˘
    "·¤Ú·" ·fi ÓÂÔÂÈÛÂÚ¯fiÌÂÓÔ˘˜ ÂÓÔÈÎÈ·ÛÙ¤˜, ¤¯ÂÈ ÌÂȈı› (Û ÁÂÓÈΤ˜ ÁÚ·Ì̤˜)
    ηٿ ÙÔ 50% ÂÚ›Ô˘. ∏ Ù¿ÛË ·˘Ù‹ ·Ó·Ì¤ÓÂÙÔ fiÙÈ ı· ·Ú·Ì›ÓÂÈ ÌÈ· Î·È Ë
    ηٿÛÙ·ÛË ÛÙÔ Ã∞∫ ‰ÂÓ ÂÊ·›ÓÂÙÔ Ó· Î·Ï˘ÙÂÚ‡ÂÈ. ∆·˘Ùfi¯ÚÔÓ· Ë ·ÚÓËÙÈ΋
    ηٿÛÙ·ÛË ÙÔ˘ ÙÔ˘ÚÈÛÌÔ‡ Ì›ˆÛÂ Î·È ÙËÓ ˙‹ÙËÛË ÙˆÓ ÙÔ˘ÚÈÛÙÈÎÒÓ Î·Ù·ÛÙËÌ¿ÙˆÓ
    ηٿ 15%-20% Û ۯ¤ÛË Ì ÙËÓ ÂÚ›Ô‰Ô 2002.

    ∆√ ∂∆√™ 2006
    ∆Ô ¤ÙÔ˜ 2006 ¤¯ÂÈ ‰È·ÊÔÚÔÔÈ‹ÛÂÈ ·ÚÎÂÙ¿ ·fi Ù· ‰Â‰Ô̤ӷ ÙˆÓ
    ÚÔËÁÔ‡ÌÂÓˆÓ ÂÙÒÓ. ∏ Û˘Ó¯‹˜ ·‡ÍËÛË ÙˆÓ ÙÈÌÒÓ ÂÚÈfiÚÈÛ ÙËÓ ÔÈÎÔÓÔÌÈ΋
    ‰˘Ó·ÙfiÙËÙ· ÙˆÓ ·ÁÔÚ·ÛÙÒÓ, ÙfiÛÔ ÓÙfiÈˆÓ fiÛÔ Î·È Í¤ÓˆÓ, Ì ·ÔÙ¤ÏÂÛÌ· Ó·
    ÌÂȈı› Î·È Ô Ú˘ıÌfi˜ ÒÏËÛ˘. ¢È·ÌÂÚ›ÛÌ·Ù· .¯. Ì ÙÈÌ‹ ‰È¿ıÂÛ˘ (ηÈÓÔ‡ÚÁÈ·)
    ÙÔ ¤ÙÔ˜ ÙÔ 2005 ÚÔ˜ í900/Ù.Ì., ·˘Í‹ıËÎ·Ó Û í1.000/Ù.Ì.-í1.150/Ù.Ì.,
    ϤÔÓ ÙÔ 15% º.¶.∞., ·˘Í¿ÓÔÓÙ·˜ ÙÔ ÎfiÛÙÔ˜ Ù˘ ·ÁÔÚ¿˜ (ϤÔÓ ÙÔ˘ ·˘ÍË̤ÓÔ˘
    ÎfiÛÙÔ˘˜ ÙˆÓ ÌÂÙ·‚È‚·ÛÙÈÎÒÓ, ÏfiÁˆ ÙÔ˘ fiÙÈ ÙÔ º.¶.∞. ÂÚÈÏ·Ì‚¿ÓÂÙ·È ÛÙËÓ
    ·ÁÔÚ·›· ·Í›· Î·È ¤ÙÛÈ Ë ·‡ÍËÛË ÙÔ˘ ÎfiÛÙÔ˘˜ ÙÔ˘ 15% º.¶.∞. ηٿ ̤ÛÔ fiÚÔ
    ·˘Í¿ÓÂÙ·È ÛÙÔ +-16%). ¶·ÚfiÏÔ Ô˘ Ë ÂȯÔÚ‹ÁËÛË Ù˘ ÚÒÙ˘ ηÙÔÈΛ·˜, ÌÂ
    ÙËÓ ÂÈÛÙÚÔÊ‹ ÙÔ˘ 10% (fi¯È Û fiϘ ÙȘ ÂÚÈÙÒÛÂȘ) Ì›ˆÛ ÙÔ ÎfiÛÙÔ˜
    ·ÁÔÚ¿˜ ÛÙÔ˘˜ ‰ÈηÈÔ‡¯Ô˘˜ ·˘ÙÔ‡˜ ·ÁÔÚ·ÛÙ¤˜ ηٿ 7% ÂÚ›Ô˘, ÙÔ Úfi‚ÏËÌ·
    ÎfiÛÙÔ˘˜ ·Ú·Ì¤ÓÂÈ ÛÙËÓ Â˘Ú‡ÙÂÚË ·ÁÔÚ¿. ¶·Ú’ fiÏ˘ Ù˘ ÂȯÔÚ‹ÁËÛ˘, ÙÔ
    Úfi‚ÏËÌ· Ù˘ Â͇ÚÂÛ˘ ÙÔ˘ ÎÂÊ·Ï·›Ô˘ ·ÁÔÚ¿˜ ϤÔÓ Ù˘ ÙÈÌ‹˜ ÙÔ˘ 15%
    º.¶.∞. ·Ú·Ì¤ÓÂÈ, ‰ÈfiÙÈ ·Ó·Ì¤ÓÂÙ·È Ô ·ÁÔÚ·ÛÙ‹˜ Ó· Â͇ÚÂÈ ÙÔ ÂÈϤÔÓ ÔÛfi
    ·˘Ùfi ÙÔ˘ 15% Î·È ÌÂÙ¿ Ó· ÙÔ ‰ÈÂΉÈ΋ÛÂÈ ›Ûˆ. ∞˘Ùfi ÂËÚ¤·Û ȉȷ›ÙÂÚ· Ù·
    ¯·ÌËÏfiÙÂÚ· ÂÈÛÔ‰ËÌ·ÙÈο ÛÙÚÒÌ·Ù·, ¿ÓÎ·È ÔÌÔÏÔÁÔ˘Ì¤Óˆ˜ Ë ‡·ÚÍË ÙÔ˘
    º.¶.∞. (Ӥ˜ ÔÈÎÔ‰Ô̤˜ Ì ·›ÙËÛË ÁÈ· ÔÏÂÔ‰ÔÌÈ΋ ¿‰ÂÈ· ÚÈÓ ÙËÓ 1.4.04)
    ÚÔοÏÂÛ ÌÈ· ηı·Ú‹ ·‡ÍËÛË ÌfiÓÔ 8%, ÌÈ· Î·È ÚÔËÁÔ˘Ì¤Óˆ˜ ˘‹Ú¯Â Ë
    Û˘ÌÌÂÙÔ¯‹ ÛÙÔ ÎfiÛÙÔ˜ ·Ó¿Ù˘Í˘ ÙÔ˘ º.¶.∞. ∆· ÚÒÙ· ¤ÚÁ· Ô˘ ·ÚÔ˘ÛÈ¿ÛÙËηÓ
    ÛÙËÓ ·ÁÔÚ¿ Ì ÏËÚˆÙ¤Ô ÙÔ º.¶.∞. ‹ÙÔ Î·Ù¿ ÙËÓ ÂÚ›Ô‰Ô Ù¤ÏÔ˘˜ 2005/·Ú¯¤˜ 2006.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


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    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 14

    ∆· ÌÂÙ¿ º.¶.∞. ¤ÚÁ·, ¤ÚÂ ӷ Û˘ÌȤÛÔ˘Ó ÙȘ ÙÈ̤˜ ÙÔ˘˜, ÁÈ· Ó· Û˘Ó·ÁˆÓÈÛıÔ‡Ó
    Ì ٷ ¤ÚÁ· ÂÎÙfi˜ º.¶.∞. ¶ÚÔ˜ ÙÔ Ù¤ÏÔ˜ ÙÔ˘ 2006 Î·È fiÛÔ ÂÚÓ¿ Ô Î·ÈÚfi˜,
    fiÏÔ Î·È ÌÂÁ·Ï‡ÙÂÚÔ ÔÛÔÛÙfi ¤ÚÁˆÓ Ì º.¶.∞. ı· ÚÔÛʤÚÔÓÙ·È, ¯ˆÚ›˜ ÙËÓ
    ›ÂÛË Û ÌÂÁ¿ÏÔ ‚·ıÌfi ÙˆÓ ¯ˆÚ›˜ º.¶.∞. ¤ÚÁˆÓ, ÂÈÙ·¯‡ÓÔÓÙ·˜ ¤ÙÛÈ ÙȘ
    ·˘Í‹ÛÂȘ, ÌÈ· Î·È fiÏÔ Î·È ÂÚÈÛÛfiÙÂÚ· ¤ÚÁ· ı· Â›Ó·È ÌÂÙ¿ ÙÔ º.¶.∞.

    ∆ËÓ Î·Ù¿ÛÙ·ÛË ·˘Ù‹ ‹Úı·Ó Ó· ‚ÔËı‹ÛÔ˘Ó ˘fi ÌÔÚÊ‹ ·ÓÙÈÛÙ·ıÌ›ÛÌ·ÙÔ˜, Ù·


    "¢ÎÔÏfiÙÂÚ·" ‰¿ÓÂÈ·, ΢ڛˆ˜ ·fi ÙȘ ÂÌÔÚÈΤ˜ ÙÚ¿Â˙˜.ã∂ÙÛÈ ÙÔ 2006
    ·Ú·ÙËÚÔ‡ÓÙ·È Ó¤Â˜ ¯ÚËÌ·ÙÔ‰ÔÙÈο Ï¿Ó· Ì ȉ›·Ó Û˘ÓÂÈÛÊÔÚ¿ ÙÔ˘ ·ÁÔÚ·ÛÙ‹
    (20%-25%) Î·È Ì ·ÔÏËڈ̋ ¤Ú·Ó ÙˆÓ 30-35 ÂÙÒÓ, ÂÓÒ ˘¿Ú¯Ô˘Ó Ï¿Ó·
    fiÔ˘ Ô ‰·ÓÂÈ˙fiÌÂÓÔ˜ ‰ÂÓ ··ÈÙÂ›Ù·È Ó· ·Ú¯›ÛÂÈ ÙËÓ ·ÔÏËڈ̋ ÙÔ˘ ÎÂÊ·Ï·›Ô˘
    ·Ì¤Ûˆ˜ (ÌfiÓÔ Ë ÏËڈ̋ ÙfiÎÔ˘) Ì ÙÔ ÎÂÊ¿Ï·ÈÔ Ó· ·ÔÏËÚÒÓÂÙ·È Û ÂÚ›Ô‰Ô
    ÌÂÙ¿ ·fi Ù· ÚÒÙ· 10-15 ¯ÚfiÓÈ·.

    ∏ ·‡ÍËÛË Â›Û˘ ÙÔ˘ ‚·ÛÈÎÔ‡ ÙfiÎÔ˘ ·fi 4.25% ÙÔ 2005 Û 4.50% ÙÔ 2006,
    ›¯Â οÔȘ ·ÚÓËÙÈΤ˜ ÂÈÙÒÛÂȘ, ¿ÓÎ·È fi¯È Û ÚÔÛÂÎÙfi ‚·ıÌfi, "ı‡ÌËÛÂ"
    fï˜ ÙÔ˘˜ ‰·ÓÂÈ˙fiÌÂÓÔ˘˜, fiÙÈ Ë Î·ÙÈÔ‡Û· ÔÚ›· ÙÔ˘ ÙfiÎÔ˘ ‰·ÓÂÈÛÌÔ‡, ¤¯ÂÈ
    Î·È ÙËÓ ·ÓÈÔ‡Û· ÔÚ›·. ∏ ¤ÓÙ·ÍË Ù˘ ∫‡ÚÔ˘ ÛÙÔ ∂˘ÚÒ ÙÔ ¤ÙÔ˜ 2008,
    ·ÔÙÂÏ› ÌÈ· ÂÏ›‰· ÛÙ·ıÂÚÔÔ›ËÛ˘ ÙˆÓ ÙfiÎˆÓ Ì ÌÂȈ̤ÓË Ù¿ÛË (‚·ÛÈÎfi˜
    ÙfiÎÔ˜ ÙfiÙ ÛÙËÓ ∫‡ÚÔ 4.50% Î·È ∂˘ÚÒ 3.75%).

    ∆Ô Ã∞∫ ¤·ÈÍÂ Î·È ·˘Ùfi ÙÔÓ ÚfiÏÔ ÙÔ˘ Ì ÙËÓ Ôχ ηϋ ÙÔ˘ ·fi‰ÔÛË ÙÔ
    ÙÂÏÂ˘Ù·›Ô ÙÂÙÚ¿ÌËÓÔ Ó· ‰Â›¯ÓÂÈ ÌÈ· ·˘ÍËÙÈ΋ ÔÚ›· Ù˘ Ù¿Í˘ ÙÔ˘ 30% ‹ ηٿ
    ÙÔ˘˜ 12 Ì‹Ó˜ ÙÔ˘ 2006 ηٿ 125%.

    ã∞ÏÏÔ ÛÙÔÈ¯Â›Ô ‰È·ÊÔÚÔÔ›ËÛ˘ Ù˘ ·ÁÔÚ¿˜ Â›Ó·È Î·È Ë ÙÒÚ· ÂÚÈÔÚÈṲ̂ÓË


    ¤ÏÏÂÈ„Ë ÁÚ·Ê›ˆÓ ÛÙËÓ §Â˘ÎˆÛ›·. ªÂÙ¿ ÙËÓ Î¿ıÂÙË Ì›ˆÛË Ù˘ ˙‹ÙËÛ˘ ÏfiÁˆ
    ˘ÂÚÚÔÛÊÔÚ¿˜, Ë ¯ÚÔÓÈ¿ ÙÔ˘ 2006 Û˘Óԉ‡ÙËΠ̠ηÏfi ÂӉȷʤÚÔÓ ÁÈ·
    Ù· ÂÏ¿¯ÈÛÙ· Û˘ÁÎÚÔÙ‹Ì·Ù· ÁÚ·Ê›ˆÓ „ËÏ‹˜ Ù¯ÓÔÏÔÁ›·˜, Ù· ÔÔ›· ‚Ú›ÛÎÔÓÙ·È
    ˘fi ηٷÛ΢‹/ ‰È¿ıÂÛË, Ì ·ÔÙ¤ÏÂÛÌ· ÙÒÚ· Ó· ÚÔ·„ÂÈ ÌÈ· ¤ÏÏÂÈ„Ë ÛÂ
    fiϘ ÙȘ fiÏÂȘ, Ì ȉȷ›ÙÂÚË ÚÔÛÂÎÙ‹ ¤ÏÏÂÈ„Ë ÛÙËÓ §Â˘ÎˆÛ›·.

    °ÂÓÈο ÙÔ ¤ÙÔ˜ 2006 Î·È Ì ÙËÓ ·Ó·ÌÂÓfiÌÂÓË ÂÈ‚ÔÏ‹ ÙÔ˘ º.¶.∞. ÛÙȘ ·ÁÔÚ¤˜
    Á˘/ÔÈÎÔ¤‰ˆÓ (‰ÂÓ ¤¯ÂÈ ·ÎfiÌË ÍÂηı·Ú›ÛÂÈ ˆ˜ Î·È Ô˘ ı· ÂÈ‚¿ÏÏÂÙ·È)
    ¤‰ÂÈÍ ÌÈ· ·Ó·Î·Ù¿Ù·ÍË Ù˘ ·ÁÔÚ¿˜ Î·È Ë ÔÔ›· Û˘ÓÔ„›˙ÂÙ·È ˆ˜ ·ÎÔÏÔ‡ıˆ˜:
    ■ ªÂ›ˆÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÁÈ· ‰È·ÌÂÚ›ÛÌ·Ù· ηٿ 15%. ∏ Ì›ˆÛË ·˘Ù‹
    ÙÔ˘ Ú˘ıÌÔ‡ Â›Ó·È Û˘Ó¯‹˜.
    ■ ∞‡ÍËÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÁÈ· ÁÚ·Ê›· ηٿ 30%.
    ■ ∞‡ÍËÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÁÈ· ¯ˆÚ¿ÊÈ· ÏfiÁˆ ·˘ÍË̤Ó˘ ÛÙÚÔÊ‹˜ ÙˆÓ
    ÂÂÓ‰˘ÙÈÎÒÓ Ù·Ì›ˆÓ/ ÚÔÓÔ›·˜ Î·È È‰ÈˆÙÒÓ Î·Ù¿ 20%.
    ■ ¢È·Ù‹ÚËÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÙˆÓ ÔÈÎÔ¤‰ˆÓ ˆ˜ Î·È ÙÔ ¤ÙÔ˜ 2005.
    ■ ∂ÍÔ¯ÈΤ˜ ÌÔÓ¿‰Â˜ - Ë ›‰È· ηٿÛÙ·ÛË Ì Ì›ˆÛË ÙÔ˘ ÂӉȷʤÚÔÓÙÔ˜ ·fi ÙËÓ
    ͤÓË ·ÁÔÚ¿ ηٿ 10% Î·È Ù˘ ÓÙfiÈ·˜ ηٿ 20%.

    14
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 15

    ■ µÈÔÌ˯·ÓÈο ÎÙ‹Ì·Ù· Û ηٿÏÏËϘ ÂÚÈÔ¯¤˜ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ ηٿ 15%.


    ■ •ÂÓԉԯ›· Î·È ÙÔ˘ÚÈÛÙÈο ηٷχ̷ٷ - À¿Ú¯ÂÈ Î¿ıÂÙË ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘
    ΢ڛˆ˜ ÁÈ· ÔÚÁ·ÓˆÌ¤Ó· Û˘ÁÎÚÔÙ‹Ì·Ù· Â›/ÏËÛ›ÔÓ Ù˘ ·Ú·Ï›·˜, ÏfiÁˆ
    ÙÔ˘ ·Ó·ÌÂÓfiÌÂÓÔ˘ ˘ÈÔı¤ÙËÛ˘ ÙÔ˘ ۯ‰›Ô˘ ÁÈ· ÙËÓ ·fiÛ˘ÚÛË ÙˆÓ ÙÔ˘ÚÈÛÙÈÎÒÓ
    ÎÏÈÓÒÓ. ∏ ˙‹ÙËÛË Â›Ó·È ÌÂÁ¿ÏË Î·È ÚÔÛÂÎÙ‹, ȉȷ›ÙÂÚ· ÛÙËÓ §ÂÌÂÛfi ηÈ
    ¶·Ú·Ï›ÌÓÈ, Ì ¤ÙÔÈÌÔ˘˜ ·ÁÔÚ·ÛÙ¤˜, ÂÓÒ ÔÈ ÂÈÙ¢¯ı›Û˜ ÙÈ̤˜ ÒÏËÛ˘
    ·Ú·ÏÈ·ÎÒÓ ‰È·ÌÂÚÈÛÌ¿ÙˆÓ ÛÙËÓ §ÂÌÂÛfi ÚÔ˜ í3.500/Ù.Ì. Î·È í3.000/Ù.Ì.
    ÛÙËÓ §¿Úӷη, ·ÔÙÂÏÔ‡Ó ¤Ó· ·ÚÈÔ Î›ÓËÙÚÔ. ∏ ˙‹ÙËÛË fï˜ ÁÈ· ÍÂÓԉԯ›· ˆ˜
    Ù¤ÙÔÈ· Â›Ó·È ˘ÔÙÔÓÈ΋, Ì ηÙÈÔ‡Û· ηÙ‡ı˘ÓÛË Î·È ÏfiÁˆ Ù˘ ËÏÈΛ·˜ ÙˆÓ
    ÍÂÓԉԯ›ˆÓ (ÌfiÓÔ 3 Ó¤· ÍÂÓԉԯ›· ·ÓÂÁ¤ÚıËÎ·Ó Ù· ÙÂÏÂ˘Ù·›· 10 ¯ÚfiÓÈ·)
    Î·È ÏfiÁˆ ÙÔ˘ „ËÏÔ‡ ÎfiÛÙÔ˘˜ ÏÂÈÙÔ˘ÚÁ›·˜ ¯ˆÚ›˜ ÂÏ›‰· Ì›ˆÛ˘. ¶ÚfiÛıÂÙ·
    ÔÈ ·ÁÔÚ¤˜ ¯ÈÏÈ¿‰Â˜ ÙÔ˘ÚÈÛÙÈÎÒÓ Â·‡ÏÂˆÓ ·fi ͤÓÔ˘˜ Î·È Ë ÂÓÔÈΛ·ÛË ÙÔ˘˜
    Û ͤÓÔ˘˜ ̤ۈ ÙÔ˘ ‰È·‰ÈÎÙ‡Ô˘ ηÈ/‹ ·fi ÔÚÁ·ÓˆÌ¤ÓÔ˘˜ Ú¿ÎÙÔÚ˜ ÛÂ
    Û˘ÌʤÚÔÓ Û˘ÁÎÚÈÙÈÎfi ÎfiÛÙÔ˜ ·Ó¿ ¿ÙÔÌÔ Û ۯ¤ÛË Ì ÙÔ ÎfiÛÙÔ˜ ‰È·ÌÔÓ‹˜
    Û ÍÂÓԉԯ›·, ¤·ÈÍÂ Î·È ·˘Ùfi ÙÔÓ ÚfiÏÔ ÙÔ˘.

    ∆√ ∂∆√™ 2007
    ∆Ô ¤ÙÔ˜ ·˘Ùfi ÌÔÚ› Ó· ¯·Ú·ÎÙËÚÈÛı› ˆ˜ ¤Ó·˜ ¯ÚfiÓÔ˜ ÚˆÙÔÊ·ÓÔ‡˜
    ÂӉȷʤÚÔÓÙÔ˜ ÁÈ· ·ÁÔÚ¿ ÎÙËÌ¿ÙˆÓ, ÙfiÛÔ ·Ó·Ù˘ÍÈ·ÎÒÓ fiÛÔ Î·È ÁˆÚÁÈÎÒÓ.
    √È ·ÁÔÚ¤˜ ÚÔ¤Ú¯ÔÓÙ·È ·fi fiÏ· Ù· ÛÙÚÒÌ·Ù·, ÙfiÛÔ ·fi ÂÂÓ‰˘ÙÈο Ù·Ì›·,
    ȉÈÒÙ˜, Ù·Ì›· ÚÔÓÔ›·˜, ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘ Î·È ¿ÏÏÔ˘˜. ∏ ·Ó·ÌÂÓfiÌÂÓË
    ÂÈ‚ÔÏ‹ º.¶.∞. ÛÙȘ ·ÁÔÚ¤˜ Á˘ (Ë ÔÔ›· ·Ú¯Èο ı· ÂÈ‚¿ÏÏÂÙÔ ÙËÓ 1.1.08,
    ÙÒÚ· ·Ó‚ϋıË ÁÈ· ÙÔÓ 7/2008) ›¯Â ÂÈÙ·¯‡ÓÂÈ ÙÔ ÂӉȷʤÚÔÓ, ÂÓÒ ÔÈ ÙÈ̤˜
    ȉȷ›ÙÂÚ· ÙˆÓ ÁˆÚÁÈÎÒÓ ÎÙËÌ¿ÙˆÓ ÂÎÙÔ͇ıËÎ·Ó ÛÙ· ‡„Ë. ÈڿÊÈ· ÏËÛ›ÔÓ
    Û ÂÚÈÔ¯¤˜ ·Ó¿Ù˘Í˘ (fiÏÂȘ-¯ˆÚÈ¿) Î·È ¿ÏÏ· Ô˘ ÚÔÛʤÚÔ˘Ó Î¿ÔȘ
    Ê˘ÛÈΤ˜ ȉȷÈÙÂÚfiÙËÙ˜ (ı¤·, ‰·ÛÒ‰Ë, Ì ‰ÚfiÌÔ ÎÏ) ›¯·Ó ÚÔÛÂÏ·ÛÂÈ ¤Ó·
    ȉȷ›ÙÂÚÔ ÂӉȷʤÚÔÓ. ∏ ·‡ÍËÛË ÙˆÓ ÙÈÌÒÓ ÁÈ· Ù¤ÙÔÈ· ÙÂÌ¿¯È· Â›Ó·È ÂÎÙfi˜
    ÂϤÁ¯Ô˘ ÛÙȘ Ï›ÛÙ˜ ÙˆÓ ÂÚÈÙÒÛˆÓ. ø˜ ·Ú¿‰ÂÈÁÌ· Û·˜ ·Ó·Ê¤ÚÔ˘ÌÂ
    fiÙÈ ÁˆÚÁÈο ÎÙ‹Ì·Ù· ÛÙÔ ¯ˆÚÈfi °¤ÚÈ Ô˘ ÂˆÏÔ‡ÓÙÔ ÚÔ˜ í20.000/ÛοϷ
    (¤ÚÈÍ í15/Ù.Ì.) ˆÏ‹ıËÎ·Ó ÙÔÓ 11/07 ÚÔ˜ í35.000/ÛοϷ (¤ÚÈÍ í26/Ù.Ì.)
    Ì¿ÏÈÛÙ· ¯ˆÚ›˜ ‰ÚfiÌÔ, ¢ÚÈÛÎfiÌÂÓ· ÂÓÙfi˜ ÙÔ˘ ∆ÔÈÎÔ‡ ™¯Â‰›Ô˘ §Â˘ÎˆÛ›·˜, fiÔ˘
    ‰ÂÓ ÂÈÙÚ¤ÂÙ·È Î·Ì›· ·Ó¿Ù˘ÍË, ÂÓÒ ÂÊ¿ÙÔÓÙ·È ÏËÛ›ÔÓ ÙˆÓ º˘Ï·Î›ˆÓ/°Ú·ÌÌ‹˜
    ·ÓÙÈ·Ú¿ıÂÛ˘. ∫Ù‹Ì·Ù· Û ÔÚÂÈÓ¿ ¯ˆÚÈ¿, ¯ˆÚ›˜ Ù›ÔÙ· ÙÔ È‰È·›ÙÂÚÔ .¯. §¿ÁÈ·
    (ÛÙËÓ Â·Ú¯›· §¿Úӷη˜) Ì ÙÈ̤˜ ÙÔ 2006 ÚÔ˜ í2.500/ÛοϷ (í1.86/Ù.Ì.)
    ÂˆÏ‹ıËÛ·Ó ÙÔ ¤ÙÔ˜ 2007 ÚÔ˜ í15.000/ÛοϷ (í11.21/Ù.Ì.). ∫ÂÓÙÚÈο
    ÔÈÎfi‰· ÛÙËÓ §Â˘ÎˆÛ›· ηٿÏÏËÏ· ÁÈ· ·Ó¤ÁÂÚÛË ÁÚ·Ê›ˆÓ, ÂˆÏ‹ıËÛ·Ó
    ÙÔ ¤ÙÔ˜ 2006 ÚÔ˜ í1.000/Ù.Ì. ÁÈ· Ó· Í·Ó·ˆÏËıÔ‡Ó ÚÔ˜ í1.500 ÂÓÙfi˜
    ÙÔ˘ ¤ÙÔ˘˜ 2007. ™ÙÔÓ ÙÔ̤· Ù˘ ·ÁÔÚ¿˜ ¯ˆÚ·ÊÈÒÓ, ¤‰ÂÈÍ·Ó ÔÏÔ¤Ó· ·˘ÍËÙÈÎfi
    ÂӉȷʤÚÔÓ ·fi ͤÓÔ˘˜, ȉȷ›ÙÂÚ· ÛÙËÓ Â·Ú¯›· ¶¿ÊÔ˘ Î·È ·Ó·ÙÔÏÈ΋˜
    §ÂÌÂÛÔ‡ (ÁÈ· Ù· ÔÔ›· ‰ÂÓ ÚÔ¸‹Ú¯Â Ù¤ÙÔÈ· ˙‹ÙËÛË ÙÔ 2006 Î·È Û¯Â‰fiÓ
    ηıfiÏÔ˘ ÚÈÓ/ηٿ ÙÔ ¤ÙÔ˜ 2005). §fiÁˆ ÙˆÓ „ËÏÒÓ ÙÈÌÒÓ ÙˆÓ ·Ó·Ù˘ÍÈ·ÎÒÓ

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    15
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 16

    ÎÙËÌ¿ÙˆÓ/ÔÈÎÔ¤‰ˆÓ, ¤ÛÙÚ„·Ó Î·È ·˘ÙÔ› ÔÈ Í¤ÓÔÈ ·ÁÔÚ·ÛÙ¤˜ ÙËÓ ÚÔÛÔ¯‹


    ÙÔ˘˜ Û ÁˆÚÁÈο ÎÙ‹Ì·Ù· («··ÁÔÚ‡ÂÙÔ» Ë ·ÁÔÚ¿ ·fi ͤÓÔ˘˜ ÚÈÓ ÙÔÓ
    4/2004) ÂÎÙfi˜ ÂÚÈÔ¯ÒÓ ·Ó¿Ù˘Í˘, ηٿÏÏËÏ· ÁÈ· ·Ó¤ÁÂÚÛË ÌÈ·˜ ηÙÔÈΛ·˜
    Ì ·ÚfiÌÔÈ· ·ÔÙÂϤÛÌ·Ù· fiÛÔÓ ·ÊÔÚ¿ ÙËÓ ·‡ÍËÛË ÙˆÓ ÙÈÌÒÓ. ∫Ù‹Ì·Ù· ÛÂ
    οˆ˜ ·fiÌÂÚ· ¯ˆÚÈ¿ fiˆ˜ ∫Ú‹ÙÔ˘ ª·ÚfiÙÙÔ˘ Î·È ¿ÏÏ·, ‰›Ï·Û·Ó Û ÙÈ̤˜,
    ÂÓÒ ·ÔÙÂÏ› ϤÔÓ ‰Â‰Ô̤ÓÔ Ë ·ÁÔÚ¿ ·ÁÚÔÙÂÌ·¯›ˆÓ 2-4 ÛηÏÒÓ (ÂÚ›Ô˘
    2.500 Ù.Ì.-5.000 Ù.Ì.) ·fi ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘ ÁÈ· Ó· ÈηÓÔÔÈ‹ÛÔ˘Ó
    ÙËÓ ˙‹ÙËÛË Ô˘ ÚÔ¤Ú¯ÂÙ·È Î˘Ú›ˆ˜ ·fi ͤÓÔ˘˜. ÈÚÈ¿ fiˆ˜ ÃÔÈÚÔÎÈÙ›·-∑‡ÁÈ-
    ™Î·Ú›ÓÔ˘ ¤Ù˘¯·Ó/Ù˘Á¯¿ÓÔ˘Ó ÂÎÙÂٷ̤Ó˘ ·Ó¿Ù˘Í˘ Ì ηÙÔÈ˘ Î·È Ì ÙÈ̤˜
    (Û ˙ÒÓ˜ ηÙÔÈΛ·˜ Á‡Úˆ ÛÙÔ 60%-90% Û˘ÓÙÂÏÂÛÙ‹ ‰fiÌËÛ˘) Ó· ¤¯Ô˘Ó
    ÍÂÂÚ¿ÛÂÈ ÙȘ í150.000/ÛοϷ (í112/Ù.Ì.). ∆·˘Ùfi¯ÚÔÓ· ·ÍÈÔÛËÌ›ˆÙË ·‡ÍËÛË
    ¤‰ÂÈÍ·Ó Î·È Ù· ·ÁÚÔÙÈο ÎÙ‹Ì·Ù·, Ì ·˘Í‹ÛÂȘ ¤Ú·Ó ÙÔ˘ 50%. ¶·Ú·ı·Ï¿ÛÛÈ·
    ÎÙ‹Ì·Ù· ÛÙËÓ ÂÚÈÔ¯‹ ¶ÚˆÙ·Ú¿ ·fi í400.000/ÛοϷ (+-í300/Ù.Ì.) ÍÂ¤Ú·Û·Ó
    ÙȘ í600.000 (+-í450/Ù.Ì.), ÛÙËÓ ÂÚÈÔ¯‹ ¢ÂΤÏÂÈ·˜ ·fi í300.000/ÛοϷ
    (í224/Ù.Ì.) Û í500.000 (í374/Ù.Ì.), ÛÙËÓ ÂÚÈÔ¯‹ ª·˙ˆÙfi˜/∞Ï·ÌÈÓfi˜
    ¤Êı·Û·Ó ÙȘ í300.000/ÛοϷ (+-í225/Ù.Ì.) ÂÓÒ ÛÙËÓ ÂÚÈÔ¯‹ §ÂÌÂÛÔ‡ ·fi
    ÙËÓ Ê·ÈÓÔÌÂÓÈ΋ ·‡ÍËÛË ÙˆÓ í700.000/ÛοϷ (í523/Ù.Ì.) ÙÔ ¤ÙÔ˜ 2006 ÛÂ
    í1.000.000/ÛοϷ (í750/Ù.Ì.) ÙÔ ¤ÙÔ˜ 2007. ¢ËÌÔÊÈÏ‹ «ÙÔ˘ÚÈÛÙÈο»
    ¯ˆÚÈ¿ Â› Ù˘ ·Ú·Ï›·˜ ÛÙËÓ ¶¿ÊÔ fiˆ˜ Ë ÂÚÈÔ¯‹ ¶¤ÁÂÈ·˜, ¤¯Ô˘Ó ÍÂÂÚ¿ÛÂÈ
    ÙȘ í600.000/ÛοϷ (í450/Ù.Ì.) Ì ÂÚÛÈÓ¤˜ ˆÏ‹ÛÂȘ ÙˆÓ í280.000/ÛοϷ
    (í210/Ù.Ì.), ÂÓÒ Ë ‚fiÚÂÈ· Â·Ú¯›· Ù˘ ¶¿ÊÔ˘ ·fi ÙȘ í150.000/ÛοϷ
    (í112/Ù.Ì.) ÍÂ¤Ú·Û·Ó ÙȘ í220.000/ÛοϷ (í165/Ù.Ì.). ∏ ÙÚÂÏ‹ ·˘Ù‹
    ÔÚ›· ÙˆÓ ÙÈÌÒÓ Û ·ÚÎÂÙ¤˜ ÂÚÈÙÒÛÂȘ ‚Ú›ÛÎÂÈ Î·È ÙËÓ ·Ó¿ÏÔÁË ·‹¯ËÛË
    ÛÙÔ ÙÂÏÈÎfi ÚÔ˚fiÓ. ã∂ÙÛÈ ÙÈ̤˜ ÒÏËÛ˘ ÙˆÓ ·Ú·ÏÈ·ÎÒÓ ‰È·ÌÂÚÈÛÌ¿ÙˆÓ (2006)
    ÙˆÓ í2.500/Ù.Ì., ¤Êı·Û·Ó ÙÒÚ· (2007) ÛÙȘ í3.500/Ù.Ì. Î·È Û ÔÚÈṲ̂Ó˜
    ÂÚÈÙÒÛÂȘ ÛÙÔ ·Ú·ÏÈ·Îfi ̤وÔ Ù˘ §ÂÌÂÛÔ‡ ÙȘ í5.000/Ù.Ì. °Ú·Ê›·
    ·fi ÙȘ í1.500/Ù.Ì., ¤¯Ô˘Ó ÍÂÂÚ¿ÛÂÈ ÙȘ í1.800/Ù.Ì., ÂÓÒ ‰È·ÌÂÚ›ÛÌ·Ù· ÙÔ
    ¤ÙÔ˜ 2006 Ì ÙÈ̤˜ í1.100-í1.200/Ù.Ì., ¤¯Ô˘Ó ÍÂÂÚ¿ÛÂÈ ÙȘ í1.400/Ù.Ì.
    Î·È Û ÔÚÈṲ̂Ó˜ ÂÚÈÙÒÛÂȘ ÛÙËÓ §ÂÌÂÛfi (fi¯È ·Ú·ı·Ï¿ÛÛÈ·) Î·È ÛÙËÓ
    §¿Úӷη ηϋ˜ ÔÈfiÙËÙ·˜, ÏËÛ›·Û·Ó ÙȘ í2.000/Ù.Ì.

    ã√ÛÔÓ ·ÊÔÚ¿ ÙËÓ ·ÁÔÚ¿ ¯ˆÚ·ÊÈÒÓ ‰ÒÛ·Ì οÔȘ ÂÍËÁ‹ÛÂȘ („ËϤ˜ ÙÈ̤˜
    ·Ó·Ù˘ÍÈ·ÎÒÓ ÎÙËÌ¿ÙˆÓ, ÌË ‡·ÚÍË ÈηÓÔÔÈËÙÈ΋˜ ÚÔÛÊÔÚ¿˜ ÔÈÎÔ¤‰ˆÓ,
    ÙÔ ÂӉȷʤÚÔÓ ÙˆÓ Í¤ÓˆÓ ÎÏ), ÂÓÒ Ë ·Ó·ÌÂÓfiÌÂÓË ÂÈ‚ÔÏ‹ ÙÔ˘ º.¶.∞. ÛÂ
    ÎÙ‹Ì·Ù· ÙËÓ 1.1.08 ·‡ÍËÛ ÙÔ Â›ÁÔÓ Ù˘ ˙‹ÙËÛ˘ ·fi ÙÔ˘˜ ·ÁÔÚ·ÛÙ¤˜ ÌÂ
    ÚÔÛÊÔÚ¤˜ „ËÏfiÙÂÚ˜ ÙÈ̤˜ ·fi ÙȘ ÂÈÎÚ·ÙÔ‡Û˜/ ÙÚ¤¯Ô˘Û˜.

    ∏ ·‡ÍËÛË ÙÔ˘ ‚ÈÔÙÈÎÔ‡ ÂÈ¤‰Ô˘ Ù˘ ƒˆÛ›·˜, ÚÔÛ¤Ï΢Û ·˘ÍË̤ÓÔ˘˜ ƒÒÛÔ˘˜


    ·ÁÔÚ·ÛÙ¤˜ Î·È Ì¿ÏÈÛÙ· Û „ËÏfiÙÂÚ· Â›‰·/ÙÈ̤˜ ·ÁÔÚ¿˜ ·fi ÚÈÓ. ¶·Ú·ÙËÚ‹ıËηÓ
    ÁÈ· ÚÒÙË ÊÔÚ¿ ˆÏ‹ÛÂȘ ·Ú·ı·Ï¿ÛÛÈˆÓ Î·ÙÔÈÎÈÒÓ Ù˘ Ù¿Í˘ ÙˆÓ
    í7.000.000 Î·È ÚÔÛÊÔÚ¤˜ ÁÈ· ·ÁÔÚ¤˜ í3.000.000-í4.000.000, ÂÓÒ
    ۯ‰fiÓ ¤ÁÈÓ ۇÓËı˜ Ê·ÈÓfiÌÂÓÔ Ë ·ÁÔÚ¿ ·Ú·ı·Ï¿ÛÛÈˆÓ Î·ÙÔÈÎÈÒÓ (fiÔ˘
    Î·È Ó· ›ӷÈ) Û Â›‰· Á‡Úˆ ÛÙÔ í1.000.000. ∂›Û˘ ¤¯ÂÈ ‚ÔËı‹ÛÂÈ ÛÙËÓ

    16
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 17

    ¤Í·ÚÛË Ù˘ ˙‹ÙËÛË ÙˆÓ „ËÏÒÓ ÂÈÛÔ‰ËÌ·ÙÈÎÒÓ ÛÙÚˆÌ¿ÙˆÓ ÙÔ˘ Â͈ÙÂÚÈÎÔ‡


    Î·È Ë ÊÔÚÔÏÔÁÈ΋ ÂÏ΢ÛÙÈÎfiÙËÙ· Ù˘ ∫‡ÚÔ˘, Ô˘ Ì ÙÔ 10% ÊÔÚÔÏÔÁ›· Ô˘
    ÚÔÛʤÚÂÈ, ¤¯ÂÈ ÚÔÛÂÏ·ÂÈ ÙÔ ·Ó¿ÏÔÁÔ ÂӉȷʤÚÔÓ.

    ã√Ϙ ·˘Ù¤˜ ÔÈ ·˘Í‹ÛÂȘ fï˜ ›¯·Ó ÙȘ ·ÚÓËÙÈΤ˜ ÙÔ˘˜ ·ÚÂÓ¤ÚÁÂȘ ÛÙËÓ
    ÏÂÈÔ„ËÊ›· ÙÔ˘ ̤ÛÔ˘ ∫‡ÚÈÔ˘. ∏ ˙‹ÙËÛË ÁÈ· ÔÈÎÈÛÙÈΤ˜ ÌÔÓ¿‰Â˜ ¤¯ÂÈ ÌÂȈı›
    Á‡Úˆ ÛÙÔ 20% Î·È ÏfiÁˆ ÙÔ˘ „ËÏÔ‡ ÎfiÛÙÔ˘˜ Î·È ÏfiÁˆ ÙÔ˘ Ó¤Ô˘ ηÓÔÓÈÛÌÔ‡
    Ù˘ ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ ÁÈ· ȉ›·Ó Û˘ÓÂÈÛÊÔÚ¿ ÛÙÔ 40% Î·È ‰·ÓÂÈÛÌfi ̤¯ÚÈ
    60% (ÛÙËÓ Ô˘Û›· Ë Û˘ÓÂÈÛÊÔÚ¿ Â›Ó·È ¤Ú·Ó ÙÔ˘ 50% ‰ÈfiÙÈ ‰ÂÓ Ï·Ì‚¿ÓÔÓÙ·È
    ÛÙËÓ Û˘ÓÂÈÛÊÔÚ¿ ÙÔ˘ ·ÁÔÚ·ÛÙ‹ Ù· ÌÂÙ·‚È‚·ÛÙÈο, ÙfiÎÔÈ ÎÏ).

    ∆· ̤ÙÚ· Ù˘ ∫ÂÓÙÚÈ΋˜, ¿ÓÎ·È ‰ÂÓ ¤¯Ô˘Ó ·ÎfiÌË Ï‹Úˆ˜ ÂÍ·ÎÚÈ‚ˆı› ÔÈ ÂȉڿÛÂȘ
    ÙÔ˘˜ ÛÙËÓ ·ÁÔÚ¿, ÂÓÙÔ‡ÙÔȘ ¤¯Ô˘Ó ÂËÚ¿ÛÂÈ ÙÔ˘˜ ÂÂÓ‰˘Ù¤˜ (·ÁÔÚ¿ Á˘ ÛÂ
    οÔÈÔ ‚·ıÌfi) Ì ȉȷ›ÙÂÚÔ ·ÓÙ›ÎÙ˘Ô ÛÙȘ ·ÁÔÚ¤˜ ÁÈ· ÂÓÔÈΛ·ÛË (buy to let).
    ∞˘Ù‹ Ë ÙÂÏÂ˘Ù·›· ·ÁÔÚ¿ (ÂÂÓ‰˘Ù¤˜ ÁÈ· ÂÈÛfi‰ËÌ·) Â›Ó·È È‰È·›ÙÂÚ· ÚÔÛÂÎÙ‹ Ë
    ÌÂȈÙÈ΋ Ù˘ ηÙ‡ı˘ÓÛË ÏfiÁˆ ÙÔ˘ fiÙÈ ÔÈ ÂÂÓ‰‡ÛÂȘ ·˘ÙÔ‡ ÙÔ˘ ›‰Ô˘˜ ‰ÂÓ
    Â›Ó·È È‰È·›ÙÂÚ· ÂÏ΢ÛÙÈΤ˜, ¤¯ÔÓÙ·˜ ˘fi„Ë ÙÔ˘˜ ͤÓÔ˘˜, Ô˘ ¤¯Ô˘Ó Î·È ¿ÏϘ
    ÂÈÏÔÁ¤˜ ȉȷ›ÙÂÚ· ÛÙËÓ µÔ˘ÏÁ·Ú›· Î·È ƒÔ˘Ì·Ó›·. ªÂ ̤ÛÔ ÂÈÛfi‰ËÌ·/·fi‰ÔÛË
    ÂÓÔÈΛԢ Ù˘ Ù¿Í˘ ÙÔ˘ 3%-4%, ηٷٿÛÛÂÈ ÙËÓ ∫‡ÚÔ ˆ˜ ۯ‰fiÓ ÙËÓ
    ÙÂÏÂ˘Ù·›· ·fi ÏÂ˘Ú¿˜ ·fi‰ÔÛ˘ ÛÙȘ ¯ÒÚ˜ Ù˘ ∂. ã∂ÓˆÛ˘.

    £· ı¤Ï·Ì ӷ ÚÔÛı¤ÛÔ˘Ì fiÙÈ ÙÔ Ó¤Ô Ì¤ÙÚÔ ·˘Ùfi Ù˘ ∫ÂÓÙÚÈ΋˜ (40%-60%)


    ›Ûˆ˜ Ó· ¤¯ÂÈ ÚÔηϤÛÂÈ Î·È ÛÙÚ‚ÏÒÛÂȘ ÛÙËÓ ·ÁÔÚ¿, Ì ¯Ú‹ÛË ÂÚ›ÂÚÁˆÓ
    ÌÂıfi‰ˆÓ, ÚÔ˜ ·ÔÊ˘Á‹/ÂÚÈÔÚÈÛÌfi ÙÔ˘ ̤ÙÚÔ˘, ÙfiÛÔ ·fi ÙÔ˘˜ ÂÂÓ‰˘Ù¤˜
    Î·È ›Ûˆ˜ Î·È Ì ÙËÓ «‚Ô‹ıÂÈ·» οÔÈˆÓ ¯ÚËÌ·ÙÔ‰ÔÙÈÎÒÓ ÔÚÁ·ÓÈÛÌÒÓ.
    À¿Ú¯Ô˘Ó ÂÚÈÙÒÛÂȘ Ô˘ ÙÔ Ù›ÌËÌ· ·ÁÔÚ¿˜ ‰ËÏÒÓÂÙ·È ÈÔ „ËÏfi, ÁÈ· Ó·
    ÌÂȈı› ¤ÙÛÈ ÙÔ ÔÛÔÛÙfi Û˘ÓÂÈÛÊÔÚ¿˜ ÙÔ˘ ·ÁÔÚ·ÛÙ‹, ¤ÛÙˆ Î·È Â¿Ó ·˘Ùfi
    ÛËÌ·›ÓÂÈ ÂÚÈÛÛfiÙÂÚ· ÌÂÙ·‚È‚·ÛÙÈο Î·È ·ÎfiÌË ·˘ÍË̤ÓË ÊÔÚÔÏÔÁ›· ÁÈ· Ù·
    ÎÂÊ·Ï·ÈÔ˘¯Èο ΤډË, ÂÓÒ ÙÔ ›‰ÈÔ ÙÔ Ì¤ÙÚÔ ·Ê‹ÓÂÈ ·ÚÎÂÙfi ·Ú¿ı˘ÚÔ
    «ÂÎÌÂÙ¿ÏÏ¢Û˘» Ô˘ ÌÂÈÒÓÂÈ ÙËÓ ·ÔÙÂÏÂÛÌ·ÙÈÎfiÙËÙ· ÙÔ˘.

    ã∞ÓÎ·È ‰ÂÓ ¤¯ÂÈ Ù· ·Ó·ÌÂÓfiÌÂÓ· ·ÔÙÂϤÛÌ·Ù· ÙÔ Ì¤ÙÚÔ ·˘Ùfi, ›Ûˆ˜, ÛÙÔ


    ÂfiÌÂÓÔ ‰È¿ÛÙËÌ· ÙˆÓ 6-10 ÌËÓÒÓ Ó· ÌÂÈÒÛÂÈ ÙÔÓ fiÁÎÔ ÙˆÓ ·ÁÔÚÒÓ ÛÂ
    ÏÈÁfiÙÂÚÔ˘˜ ·ÁÔÚ·ÛÙ¤˜, Ô˘ ›Ûˆ˜ ηْ Â¤ÎÙ·ÛË ÏfiÁˆ ÙÔ˘ ÂÚÈÔÚÈÛÌÔ‡ ÙˆÓ
    Ó¤ˆÓ ¤ÚÁˆÓ, ·˘Í‹ÛÂÈ Î¿ˆ˜ ÙȘ ÙÈ̤˜ ÙÔ˘ ÙÂÏÈÎÔ‡ ÚÔ˚fiÓÙÔ˜.

    ™Â Û‡ÓÔ„Ë ı· ϤÁ·Ì fiÙÈ ÙÔ ¤ÙÔ˜ 2007 ˘‹ÚÍ ¤Ó· ¤ÙÔ˜ οıÂÙ˘ ·‡ÍËÛ˘
    ÙˆÓ ÙÈÌÒÓ ÙˆÓ ¯ˆÚ·ÊÈÒÓ/ÎÙËÌ¿ÙˆÓ, Ì ȉȷ›ÙÂÚË ¤ÌÊ·ÛË ÛÙ· ÎÙ‹Ì·Ù· (¤ÛÙˆ
    ÁˆÚÁÈο) Ù· ÔÔ›· ¤¯Ô˘Ó ÌÈ· ÚÔÔÙÈ΋ ÛÙÔ Ì¤ÏÏÔÓ, ÂÓÒ È‰È·›ÙÂÚË ·‡ÍËÛË
    ÛËÌÂÈÒıËΠ۠·Ú·ı·Ï¿ÛÛÈ· ¯ˆÚ¿ÊÈ·.

    ∆ÂÏÂÈÒÓÔÓÙ·˜ ı· ı¤Ï·Ì ӷ ˘ԉ›ÍÔ˘Ì fiÙÈ ÔÈ ÚԂϤ„ÂȘ Ì·˜ ÁÈ· ÙËÓ


    ·˘ÍËÙÈ΋ Ù¿ÛË ÙˆÓ ÙÈÌÒÓ ÙˆÓ ÁÚ·Ê›ˆÓ Î·È Ë ¤ÏÏÂÈ„Ë ÚÔÛÊÔÚ¿˜ ÙÔ˘˜,
    ¤¯Ô˘Ó ·ÓÙÈηÙÔÙÚÈÛÙ› ÙfiÛÔ ÛÙȘ ÙÈ̤˜ ÙˆÓ Î·ÈÓÔ‡ÚÁÈˆÓ (high tech) ÌÔÓ¿‰ˆÓ,
    fiÛÔ Î·È ÛÙ· ÎÙ‹Ì·Ù· ηٿÏÏËÏ· ÁÈ· ÙËÓ ·Ó¤ÁÂÚÛË ÙÔ˘˜.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    17
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 18

    ™Â Û‡ÓÔ„Ë ÙÔ ¤ÙÔ˜ 2007 ‰È·ÎÚ›ÓÂÙ·È ·fi:


    ■ ªÂ›ˆÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÁÈ· ‰È·ÌÂÚ›ÛÌ·Ù· ηٿ 10%. ∏ Ì›ˆÛË ·˘Ù‹

    ÙÔ˘ Ú˘ıÌÔ‡ Â›Ó·È ·˘ÍËÙÈ΋.


    ■ ∞‡ÍËÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÁÈ· ÁÚ·Ê›· ηٿ 50%.

    ■ ∞‡ÍËÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÁÈ· ¯ˆÚ¿ÊÈ· ÏfiÁˆ ·˘ÍË̤Ó˘ ÛÙÚÔÊ‹˜ ÙˆÓ

    ÂÂÓ‰˘ÙÈÎÒÓ Ù·Ì›ˆÓ/ ÚÔÓÔ›·˜ Î·È È‰ÈˆÙÒÓ Î·Ù¿ 100%.


    ■ ¢È·Ù‹ÚËÛË ÙÔ˘ Ú˘ıÌÔ‡ ÒÏËÛ˘ ÙˆÓ ÔÈÎÔ¤‰ˆÓ ˆ˜ Î·È ÙÔ 2005/6.

    ■ ∂ÍÔ¯ÈΤ˜ ÌÔÓ¿‰Â˜ - Ë ›‰È· ηٿÛÙ·ÛË Ì Ì›ˆÛË ÙÔ˘ ÂӉȷʤÚÔÓÙÔ˜ ·fi ÙËÓ

    ͤÓË ·ÁÔÚ¿ ηٿ 10% Î·È Ù˘ ÓÙfiÈ·˜ ηٿ 15%.


    ■ µÈÔÌ˯·ÓÈο ÎÙ‹Ì·Ù· Û ηٿÏÏËϘ ÂÚÈÔ¯¤˜ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ ηٿ 25%.

    ■ •ÂÓԉԯ›· Î·È ÙÔ˘ÚÈÛÙÈο ηٷχ̷ٷ - À¿Ú¯ÂÈ Î¿ıÂÙË ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘

    ΢ڛˆ˜ ÁÈ· ÔÚÁ·ÓˆÌ¤Ó· Û˘ÁÎÚÔÙ‹Ì·Ù· Â›/ÏËÛ›ÔÓ Ù˘ ·Ú·Ï›·˜, ÏfiÁˆ


    ÙÔ˘ ·Ó·ÌÂÓfiÌÂÓÔ˘ Ù˘ ˘ÈÔı¤ÙËÛ˘ ÙÔ˘ ۯ‰›Ô˘ ÁÈ· ÙËÓ ·fiÛ˘ÚÛË ÙˆÓ
    ÙÔ˘ÚÈÛÙÈÎÒÓ ÎÏÈÓÒÓ. ∏ ˙‹ÙËÛË Â›Ó·È ÌÂÁ¿ÏË Î·È ÚÔÛÂÎÙ‹, ȉȷ›ÙÂÚ· ÛÙËÓ
    §ÂÌÂÛfi Î·È ¶·Ú·Ï›ÌÓÈ, Ì ¤ÙÔÈÌÔ˘˜ ·ÁÔÚ·ÛÙ¤˜, ÂÓÒ ÔÈ ÂÈÙ¢¯ı›Û˜ ÙÈ̤˜
    ÒÏËÛ˘ ·Ú·ÏÈ·ÎÒÓ ‰È·ÌÂÚÈÛÌ¿ÙˆÓ ÛÙËÓ §ÂÌÂÛfi ÚÔ˜ í4.000-í5.000/Ù.Ì.
    Î·È í3.000/Ù.Ì. ÛÙËÓ §¿Úӷη, ·ÔÙÂÏÔ‡Ó Ùo ·ÚÈÔ Î›ÓËÙÚÔ. ∏ ˙‹ÙËÛË fï˜
    ÁÈ· ÍÂÓԉԯ›· ˆ˜ Ù¤ÙÔÈ· Â›Ó·È ˘ÔÙÔÓÈ΋, Ì ηÙÈÔ‡Û· ηÙ‡ı˘ÓÛË Î·È
    ÏfiÁˆ Ù˘ ËÏÈΛ·˜ ÙˆÓ ÍÂÓԉԯ›ˆÓ (ÌfiÓÔ 3 Ó¤· ÍÂÓԉԯ›· ·ÓÂÁ¤ÚıËηÓ
    Ù· ÙÂÏÂ˘Ù·›· 10 ¯ÚfiÓÈ·) Î·È ÏfiÁˆ ÙÔ˘ „ËÏÔ‡ ÎfiÛÙÔ˘˜ ÏÂÈÙÔ˘ÚÁ›·˜, ¯ˆÚ›˜
    ÂÏ›‰· Ì›ˆÛ˘. ¶ÚfiÛıÂÙ· ÔÈ ·ÁÔÚ¤˜ ¯ÈÏÈ¿‰Â˜ ÙÔ˘ÚÈÛÙÈÎÒÓ Â·‡ÏÂˆÓ ·fi
    ͤÓÔ˘˜ Î·È Ë ÂÓÔÈΛ·ÛË ÙÔ˘˜ Û ͤÓÔ˘˜ ̤ۈ ÙÔ˘ ‰È·‰ÈÎÙ‡Ô˘ ηÈ/‹ ·fi
    ÔÚÁ·ÓˆÌ¤ÓÔ˘˜ Ú¿ÎÙÔÚ˜ ÛÂ Û˘ÌʤÚÔÓ Û˘ÁÎÚÈÙÈÎfi ÎfiÛÙÔ˜ ·Ó¿ ¿ÙÔÌÔ ÛÂ
    Û¯¤ÛË Ì ÙÔ ÎfiÛÙÔ˜ ‰È·ÌÔÓ‹˜ Û ÍÂÓԉԯ›·, ¤·ÈÍÂ Î·È ·˘Ùfi ÙÔÓ ÚfiÏÔ ÙÔ˘.
    ¢È·ÊÔÚÔÔ›ËÛË Ù˘ ˙‹ÙËÛ˘ ÙÔ˘ ¤ÙÔ˘˜ 2007 Û ۯ¤ÛË Ì ÙÔ ¤ÙÔ˜ 2005+2006
    Î·È ÚԂϤ„ÂȘ ÁÈ· ÙÔ ¤ÙÔ˜ 2008.

    ¶∞º√™ §∂ª∂™√™ §∞ƒ¡∞∫∞ ∞ªª√Ãø™∆√™ §∂À∫ø™π∞


    06 07 08 06 07 08 06 07 08 06 07 08 06 07 08
    √ÈÎ. +7% +10% +5% +10% +20%+15% +5% +25% +15% +10% +25% +15% +5% +10 +10
    % % % % % %
    ¢È·Ì. -10% +8% +5% +7% +15% +15% +7% +12% +10% +10% 20% +15% +7% +10% +5%
    % % % % % %
    ∫·ÙÔÈÎ. -12% +10% +5% +7% +12% 15% +3% +10% +12% +10% +10% +7% +5% +12% +5%
    % % % % % %
    °Ú·Ê. 0 +15% +10% +5% +15%+20% 0 +10% +10% 0 0 +5% +3% +20% +20%
    % % % % % %
    ∫·Ù·ÛÙ. 0 +7% 7% +7% +10% 10% 0 +10% +10% 0 0 +5% 0 +5% +10%
    % % % % %
    ∞Ó·Ù. -5% +25% +20% +10% +30%+30% 0 +25% +25% +7% +25% +20% +5% +30% +20%
    ÈÚ. % % % % % %
    °ÂˆÚÁ. 0 +30% +25% +15% +25% 20% 0 +20% +15% +3% +20% +15% +5% +40% +30%
    ÈÚ. % % % % % %
    µÈÔÌ˯. 0 +5% +8% +5% +10% 10% +5% +10% +10% 0 +5% +5% +5% +10% +15%
    % % % % % %

    18
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 19

    ∆∂á√§√°π∞, Ãøƒ√π ™∆∞£ª∂À™∏™ & ™À°∫√π¡ø¡π∂™


    ∏ Ù¯ÓÔÏÔÁ›· Î·È Ë ÔÏÔ¤Ó· ·‡ÍËÛË ÙˆÓ ··ÈÙ‹ÛÂˆÓ Û ¯ÒÚÔ˘˜ ÛÙ¿ıÌ¢Û˘,
    Ë Â˘ÎÔÏ›· ÚÔÛ¤Ï·Û˘ Î·È ÙÔ Î˘ÎÏÔÊÔÚÈ·Îfi, ηÙ‡ı˘Ó ϤÔÓ ÙËÓ ˙‹ÙËÛË
    ÁÈ· ÁÚ·Ê›· Û ÂΛӷ Ù˘ „ËÏ‹˜ Ù¯ÓÔÏÔÁ›·˜ (high tech buildings) ÎÙ›ÚÈ· ηÈ
    Û ÙÔÔıÂۛ˜ Ô˘ ÌÔÚÔ‡Ó ϤÔÓ Ó· ¤¯Ô˘Ó ÂÚÈÛÛfiÙÂÚÔ˘˜ ¯ÒÚÔ˘˜
    ÛÙ¿ıÌ¢Û˘ Î·È Â˘ÎÔÏ›· ‰È·Î›ÓËÛ˘. ã∂ÙÛÈ ·Ú·ÙËÚÂ›Ù·È ÌÂٷΛÓËÛË ÁÚ·Ê›ˆÓ
    ÂÎÙfi˜ ΤÓÙÚÔ˘, Ì ÌÂȈ̤ÓË ˙‹ÙËÛË ÁÈ· ·ÁÔÚ¿/ÂÓÔÈΛ·ÛË ÁÚ·Ê›ˆÓ ̤Û˘
    Î·È ¯·ÌËÏ‹˜ ÔÈfiÙËÙ·˜ Î·È ·ÎfiÌË ÌÈ· ÈÔ ÌÂÁ¿ÏË ÌÂȈ̤ÓË ˙‹ÙËÛË ÁÈ·
    ÁÚ·Ê›· Ì ÂÚÈÔÚÈṲ̂ÓÔ˘˜ ¯ÒÚÔ˘˜ ÛÙ¿ıÌ¢Û˘. ∆Ô ·Ú¿‰ÔÍÔ Â›Ó·È fiÙÈ
    ·ÓÂÍ¿ÚÙËÙ· ÙˆÓ ÈÔ ¯·ÌËÏÒÓ ÙÈÌÒÓ ÙˆÓ ·Ï·ÈfiÙÂÚˆÓ ÁÚ·Ê›ˆÓ (ηٿ 50%
    ÂÚ›Ô˘) Ë ˙‹ÙËÛË ÁÈ· Ù¤ÙÔÈ· ‰ÂÓ ¤¯ÂÈ ·˘ÍËı›. ∆· ÁÚ·Ê›· ‰Â›¯ÓÔ˘Ó ϤÔÓ
    ÌÈ· Ù¿ÛË ·ÂÍ¿ÚÙËÛ˘ ·fi ÙËÓ ÙÔÔıÂÛ›· ÂÓÙfi˜ ΤÓÙÚÔ˘ (ÂÎÙfi˜ ·fi ÔÚÈṲ̂ӷ
    Â·ÁÁ¤ÏÌ·Ù· Ô˘ Û˘Ó‰¤ÔÓÙ·È Ì ∫˘‚ÂÚÓËÙÈο ÎÙ›ÚÈ· .¯. ‰ÈÎËÁfiÚÔÈ Î·È ‰ÈηÛÙ‹ÚÈ·
    ÎÏ). ã∂¯ÔÓÙ·˜ ˆ˜ ·ÚÈÔ ÛÙfi¯Ô ÙËÓ Â‡ÎÔÏË ‰È·Î›ÓËÛË Î·È ÛÙ¿ıÌ¢ÛË Î·È ÙËÓ
    Ù¯ÓÔÏÔÁÈ΋ ÔÈfiÙËÙ· ÙˆÓ ÎÙÈÚ›ˆÓ, ÙÔ Î¤ÓÙÚÔ ‰ÂÓ ¤¯ÂÈ ϤÔÓ È‰È·›ÙÂÚË ˙‹ÙËÛË
    Î·È ÚÔ˜ ÙÔ‡ÙÔ, Ï·ÌÚfi ·Ú¿‰ÂÈÁÌ· Â›Ó·È Ë ÂÁηٿÛÙ·ÛË Ù˘ Ó¤·˜ ·˘Ù‹˜
    ÔÈfiÙËÙ·˜ ÁÚ·Ê›ˆÓ ÛÙ· "ºÒÙ· §·˚΋˜" Î·È Â› Ù˘ ψÊfiÚÔ˘ ∞ı·Ï¿ÛÛ·˜
    (§Â˘ÎˆÛ›·˜).

    ∆·˘Ùfi¯ÚÔÓ· ηÙÔÈ˘/‰È·ÌÂÚ›ÛÌ·Ù· Ô˘ ‰ÂÓ ¤¯Ô˘Ó ȉȈÙÈ΋ (fi¯È ÎÔÈÓ‹)


    ı¤ÚÌ·ÓÛË, ÎÏÈÌ·ÙÈÛÌfi, ¤¯Ô˘Ó ÌÈ· ÌÂȈ̤ÓË ˙‹ÙËÛË Û ۯ¤ÛË Ì ÙȘ ÈÔ
    ·ÎÚÈ‚¤˜ ÌÂÓ, ·ÏÏ¿ ÈÔ Ù¯ÓÔÏÔÁÈο ÂÍÔÏÈṲ̂Ó˜ ÌÔÓ¿‰Â˜. ∂›Û˘ ÔÈ ÈÔ
    „ËϤ˜ ÙÈ̤˜ ÌÔÓ¿‰ˆÓ/ÔÈÎÔ¤‰ˆÓ ÏËÛȤÛÙÂÚ· ÛÙÔ Î¤ÓÙÚÔ, ÚÔοÏÂÛ ÙËÓ
    ÌÂٷΛÓËÛË Ù˘ ˙‹ÙËÛ˘ Û ÂÎÙfi˜ ΤÓÙÚÔ˘ ÙˆÓ fiÏÂˆÓ ÛÙËÓ ÂÚÈʤÚÂÈ· ηÈ
    ΢ڛˆ˜ Û ÂΛӘ ÙȘ ÙÔÔıÂۛ˜ Ô˘ ¤¯Ô˘Ó ¿ÌÂÛË ÚfiÛ‚·ÛË ·fi ÙÔ˘˜
    ·˘ÙÔÎÈÓËÙfi‰ÚÔÌÔ˘˜. ã∞ÓÎ·È Ë Ù¿ÛË ·˘Ù‹ ·Ó·Ì¤ÓÂÙ·È fiÙÈ ı· Û˘Ó¯ÈÛı›, ÙÔ
    ı¤Ì· ÎfiÛÙÔ˘˜ ÛÙ· η‡ÛÈÌ·, ‰˘Ó·ÙfiÓ Ó· ÚÔηϤÛÂÈ Î·ı˘ÛÙ¤ÚËÛË ÛÙÔÓ
    Ú˘ıÌfi ·˘Ùfi Ù˘ ÌÂٷΛÓËÛ˘ Ù˘ ˙‹ÙËÛ˘. ∂Ó‰ÂÈÎÙÈο Û·˜ ·Ó·Ê¤ÚÔ˘Ì fiÙÈ Ë
    ˙‹ÙËÛË ÛÙËÓ §Â˘ÎˆÛ›· ›¯Â ·Ú¯Èο ÌÂÙ·ÎÈÓËı› ·fi ÙÔ ∫¤ÓÙÚÔ ÛÙÔÓ ™ÙÚfi‚ÔÏÔ-
    §·Î·Ù¿ÌÈ·-¢Â˘ÙÂÚ¿, ÂÓÒ ÙÔ 2005 ·Ú·ÙËÚ‹ıËΠÌÈ· ·˘ÍË̤ÓË ˙‹ÙËÛË ÛÙÔ
    ¯ˆÚÈfi ∂ÚÁ¿Ù˜ Î·È æËÌÔÏfiÊÔ˘ (10 ¯ÏÌ. Ì·ÎÚÈ¿ ·fi ÙËÓ §Â˘ÎˆÛ›· Î·È ÛÙ·
    §·ÙÛÈ¿), ÂÓÒ ÛÙËÓ §ÂÌÂÛfi, Ô ãÀ„ˆÓ·˜ Î·È ÙÔ ∫ÔÏfiÛÈ ·ÔÙ¤ÏÂÛ·Ó ÙÔ˘˜ Ó¤Ô˘˜
    ÚÔÔÚÈÛÌÔ‡˜, Ì ·˘ÍËÙÈΤ˜ Ù¿ÛÂȘ Û ÈÔ ÁÔÚÁÔ‡˜ Ú˘ıÌÔ‡˜ ·fi ¿ÏϘ
    ÂÚÈÔ¯¤˜. ∆Ô ¤ÙÔ˜ 2006+2007 Û˘Ó¤¯ÈÛ ·˘Ù‹Ó ÙËÓ Ù¿ÛË Ù˘ ·ÁÔÚ¿˜, ÌÂ
    Ó¤Ô˘˜ ÚÔÔÚÈÛÌÔ‡˜, fiˆ˜ Ù· ¶¤Ú·, ¡‹ÛÔ˘, ∞Á›· µ·Ú‚¿Ú· (ÛÙË §Â˘ÎˆÛ›·)
    Î·È ÛÙËÓ ª·ıËÎÔÏÒÓË, ªÔÓ‹, ¶‡ÚÁÔ˜ ÎÏ (ÛÙË §ÂÌÂÛfi). ¶·ÚfiÌÔȘ Ù¿ÛÂȘ
    Ù˘ ·ÁÔÚ¿˜ ·Ú·ÙËÚÔ‡ÓÙ·È Î·È ÛÙȘ ¿ÏϘ fiÏÂȘ.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    19
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 20

    º√À™∫∞ ∫∞π ª∏
    ∏ ‰ÈÂıÓ‹˜ ÔÚÔÏÔÁ›· Ù˘ ÊÔ‡Ûη˜ Â›Ó·È Ë Ì›ˆÛË Ù˘ ·Í›·˜ ÌÈ·˜ Â¤Ó‰˘Û˘
    ηٿ 30% ÂÚ›Ô˘. √È ‰È¿ÊÔÚ˜ ·Ó·ÊÔÚ¤˜ ÛÙËÓ ∫‡ÚÔ ÂÚ› ÊÔ‡Ûη˜ ÙˆÓ
    ·ÎÈÓ‹ÙˆÓ ·¤‰ÂÈÍ·Ó ÙÔ˘˜ ·ÓÙÈÁÚ¿ÊÔÓÙ˜ ÙˆÓ Í¤ÓˆÓ ÂÓÙ‡ˆÓ ·Ó·Ï˘Ù¤˜
    Ï·Óı·Ṳ̂ÓÔ˘˜, ‰ÈfiÙÈ fi¯È ÌfiÓÔ ‰ÂÓ ‰È·ÈÛÙÒıËÎ·Ó Ù¤ÙÔÈ· Â›‰· Ì›ˆÛ˘,
    ·ÏÏ¿ Î·È ÛÙËÓ ¯ÂÈÚfiÙÂÚË ÂÚ›ÙˆÛË Î·È ÌfiÓÔ Û ÔÚÈṲ̂Ó˜ ÂÚÈÔ¯¤˜, Ë Ì›ˆÛË
    ‰ÂÓ ÍÂ¤Ú·Û ÙÔ 15% (Î·È ·˘Ùfi Û ÔÚÈṲ̂Ó˜ ÂÚÈÔ¯¤˜ Ô˘ ÂÍ·ÚÙÔ‡ÓÙ·È Î·Ù¿
    90% ·fi ÙËÓ Í¤ÓË ·ÁÔÚ¿). ã√¯È ÌfiÓÔ ‰ÂÓ ÚԂϤÂÙ·È ÁÂÓÈ΋ Ì›ˆÛË ÙˆÓ
    ÙÈÌÒÓ ÛÙ· ·Î›ÓËÙ·, ·ÏÏ¿ Î·È ÌÈ· ÌÈÎÚ‹ ÛÙ·ıÂÚ‹ ·˘ÍËÙÈ΋ ÔÚ›·, ¿ÓÎ·È Û ÈÔ
    ¯·ÌËÏÔ‡˜ Ú˘ıÌÔ‡˜ ·fi ÙÔ ·ÚÂÏıfiÓ. ™›ÁÔ˘Ú· ·˘Ù‹ Ë Î·Ù¿ÛÙ·ÛË ‰ÂÓ ÌÔÚ›
    Ó· Â›Ó·È ¯ˆÚ›˜ Ù¤ÏÔ˜, ¿ÓÎ·È Â›Ó·È Ôχ ‰‡ÛÎÔÏÔ Ó· ÚÔ‚ÏÂÊı› ÁÈ· Ù·
    ÂfiÌÂÓ· 2-3 ¯ÚfiÓÈ·, Ë Î·Ù¿ÛÙ·ÛË ‰ÂÓ ·Ó·Ì¤ÓÂÙ·È fiÙÈ ı· ‰È·ÊÔÚÔÔÈËı› ÛÂ
    ÌÂÁ¿ÏÔ ‚·ıÌfi.

    ∏ ÂÈÎÚ·ÙÔ‡Û· ·ÚÓËÙÈ΋ ηٿÛÙ·ÛË ÛÙËÓ ·ÁÔÚ¿ ·ÎÈÓ‹ÙˆÓ ÙfiÛÔ ÛÙËÓ ∞ÌÂÚÈ΋


    fiÛÔ Î·È ÛÙËÓ ∂˘ÚÒË, Ë ÔÔ›· ÚÔ‹Ïı ·fi ÙȘ „ËÏÔ‡ Ú›ÛÎÔ˘ ˘Ôı‹Î˜ ηÈ
    ÙËÓ Î·Ù¿ÛÙ·ÛË ÙÔ˘ ¯ÚËÌ·ÙÈÛÙËÚ›Ô˘, ‰ÂÓ Ê·›ÓÂÙ·È Ó· ÂËÚ¿˙ÂÈ ÙËÓ ∫‡ÚÔ.
    ∂›Ó·È fï˜ ‰Â‰Ô̤ÓÔ fiÙÈ Ô ¤ÓÙÔÓÔ˜ ·ÓÙ·ÁˆÓÈÛÌfi˜ ÌÂٷ͇ ÙˆÓ ¯ÚËÌ·ÙÔ‰ÔÙÈÎÒÓ
    ÔÚÁ·ÓÈÛÌÒÓ ÛÙËÓ ∫‡ÚÔ˘ ¤¯ÂÈ ¯·ÌËÏÒÛÂÈ Î·Ù¿ Ôχ ÙÔÓ ‹¯Ë Ù˘ ÔÈÔÙÈ΋˜
    ÂͤٷÛ˘ ÙˆÓ ‰·ÓÂÈÔÏËÙÒÓ Î·È ·˘Ùfi Â›Ó·È ·ÓËÛ˘¯ËÙÈÎfi. ∏ ·Ú¤Ì‚·ÛË Ù˘
    ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ Ì ÙËÓ ·‡ÍËÛË Ù˘ ȉ›·˜ Û˘ÓÂÈÛÊÔÚ¿˜ Û ÂÂÓ‰‡ÛÂȘ
    ·ÎÈÓ‹ÙˆÓ, Â›Ó·È ¤Ó· ̤ÙÚÔ ‰ÈfiÚıˆÛ˘ fiˆ˜ Î·È Ë ÈÔ ·˘ÛÙËÚ‹ ÂÈÙ‹ÚËÛË Ù˘
    ∫ÂÓÙÚÈ΋˜ ÚÔ˜ ÙȘ ÂÌÔÚÈΤ˜ Î·È ·˘ÍË̤ÓÔ ¤ÏÂÁ¯Ô ÁÈ· Ù· Û˘ÓÂÚÁ·ÙÈο
    ȉڇ̷ٷ.

    ¢ÂÓ ·Ó·Ì¤ÓÔ˘Ì ÙËÓ ‡·ÚÍË ÊÔ‡Ûη˜ Î·È ÚÔÛηÏԇ̠ÙÔÓ ·Ó·ÁÓÒÛÙË Ó·


    ·ÔÊ·Û›ÛÂÈ ·fi ÌfiÓÔ˜ ÙÔ˘ ÂÚ› ÙÔ‡ÙÔ˘, ·ÊÔ‡ ÌÂÏÂÙ‹ÛÂÈ ÙÔ˘˜ ÏfiÁÔ˘˜ Ù˘
    ·‡ÍËÛ˘ ÙˆÓ ÙÈÌÒÓ. ∂¿Ó ÔÈ ÏfiÁÔÈ ·˘ÙÔ› ‰È·ÊÔÚÔÔÈËıÔ‡Ó ÚÔ˜ Ù· ¿Óˆ, ÙfiÙÂ
    ÔÈ ·˘Í‹ÛÂȘ ı· Û˘Ó¯›ÛÔ˘Ó Î·È Â¿Ó ‰È·ÊÔÚÔÔÈËıÔ‡Ó ÚÔ˜ Ù· οو, ÙfiÙ ı·
    Â¤ÏıÂÈ Ì›ˆÛË Ù˘ ˙‹ÙËÛ˘ Î·È Î·Ù’ Â¤ÎÙ·ÛË ÛÙȘ ÙÈ̤˜/·Í›Â˜ ·ÎÈÓ‹ÙˆÓ.
    ™·˜ ·Ú·ı¤ÙÔ˘Ì ¤Ó· ›Ó·Î· Ì ÙȘ ‰ÈΤ˜ Ì·˜ ·fi„ÂȘ Î·È Ô ·Ó·ÁÓÒÛÙ˘
    ηÏÂ›Ù·È fiˆ˜ ÚÔ‚ÏËÌ·ÙÈÛÙ› ÌfiÓÔ˜ ÙÔ˘.

    20
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 21

    §√°√π ∞À•∏™∏™ ™Ã√§π∞ °π∞ ∆√ ª∂§§√¡


    ™˘Ó¤¯ÈÛË Ù˘ ¯ÚËÌ·ÙÔ‰fiÙËÛ˘
    ª·ÎÚÔ¯ÚfiÓÈ·˜ ÌÔÚÊ‹˜; M¿ÏÈÛÙ· Î·È Ì ηχÙÂÚÔ˘˜ fiÚÔ˘˜
    ÏfiÁˆ Ù˘ Ì›ˆÛ˘ ÙÔ˘ ‚·ÛÈÎÔ‡ ÙfiÎÔ˘
    ·fi 4.50% ÛÙÔ 4.0%.
    ∞Ó¿Î·Ì„Ë ÛÙÔ Ã∞∫ ÛÙ· ÂfiÌÂÓ·
    1-2 ¯ÚfiÓÈ·; √Ãπ ȉȷ›ÙÂÚ· ÚÔÛÂÎÙ‹, Â›Ó·È ı¤Ì·
    Û‡ÁÎÚÈÛ˘ Î·È ¯ÚÔÓÔ‚fiÚ·˜
    ·fiÎÙËÛ˘ ÂÌÈÛÙÔÛ‡Ó˘.
    ∞ÏÏ·Á‹ ¡ÔÔÙÚÔ›·˜ Ó¤ˆÓ; √Ãπ. ª¿ÏÏÔÓ Û˘Ó¤¯ÈÛË Ì ·˘ÍËÙÈ΋ Ù¿ÛË
    ∫·Ù¿ÚÚ¢ÛË Ù˘ ∫˘Úȷ΋˜
    √ÈÎÔÓÔÌ›·˜; √Ãπ
    ∫·Ù¿ÚÚ¢ÛË ÙÔ˘ ∆Ô˘ÚÈÛÌÔ‡; ª¿ÏÏÔÓ Î·Ï˘Ù¤Ú¢ÛË ÏfiÁˆ Ó¤ˆÓ ¤ÚÁˆÓ
    ˘Ô‰ÔÌ‹˜ ÙÒÚ· ˘fi ÂÎÙ¤ÏÂÛË, ·ÏÏ¿
    Ë Î·ı˘ÛÙ¤ÚËÛË ÛÙËÓ ÂÎÙ¤ÏÂÛË ÙˆÓ ¤ÚÁˆÓ
    Â›Ó·È ·ÓËÛ˘¯ËÙÈ΋. ∆ÒÚ· ‰ÂÓ Â›ÌÂı· ÙfiÛÔ
    Û›ÁÔ˘ÚÔÈ fiÛÔ Â›ÌÂı· ÙÔ ¤ÙÔ˜ 2006.
    ã∏È· ÔÏÈÙÈ΋ ηٿÛÙ·ÛË; ™˘Ó¤¯ÈÛË
    ∞‡ÍËÛË ÎfiÛÙˆÓ ·Ó¿Ù˘Í˘; ª¿ÏÈÛÙ·
    ∂›Ï˘ÛË ÙÔ˘ ∫˘ÚÈ·ÎÔ‡;
    (ÂfiÌÂÓ· 2 ¯ÚfiÓÈ·) ã∞ÁÓˆÛÙÔ
    ∞‡ÍËÛË ÙˆÓ ÙfiΈÓ; ª¿ÏÏÔÓ ÛÙ·ıÂÚÔÔ›ËÛË ÏfiÁˆ ∂.∂. - √¡∂.
    √È ÏËıˆÚÈÛÙÈΤ˜ ȤÛÂȘ fï˜ ı· Ú¤ÂÈ
    Ó· ÚÔÛ¯ıÔ‡Ó.
    ¡¤· ̤ÙÚ· ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ ¶Èı·ÓÒ˜ ÈÔ ·˘ÛÙËÚ¿ ̤ÙÚ· ı· Ú¤ÂÈ
    Ó· ·Ó·Ì¤ÓÔÓÙ·È fiÛÔÓ ·ÊÔÚ¿ ÙËÓ
    ¯ÚËÌ·ÙÔ‰fiÙËÛË. ∞˘Ù¿ ı· ÂËÚ¿ÛÔ˘Ó
    ÂÚÈÛÛfiÙÂÚÔ ÙÔÓ Ú˘ıÌfi ‰È¿ıÂÛ˘
    ·Ú¿ ÙȘ ÙÈ̤˜.

    A•π√§√°∏™∏ À¶∂ƒ∆πª∏™∏™
    ™Â ‰ËÌÔÛ›Â˘Ì· ÙÔ˘ Ô Economist Û ۯ¤ÛË Ì ÙËÓ ‰ÈÂıÓ‹ ·ÁÔÚ¿ ·ÎÈÓ‹ÙˆÓ,
    ÚԂϤÂÈ Î¿ÔÈÔ˘ ›‰Ô˘˜ ÛÙ·ıÂÚÔÔ›ËÛË ÙˆÓ ÙÈÌÒÓ Î·È ÂÏ·ÊÚ¿ Ì›ˆÛË Î·È
    ·Ú·‰¤¯ÂÙ·È fiÙÈ Î·È ÂΛ Ô˘ ‰ÂÓ ı· ˘¿ÚÍÂÈ ·‡ÍËÛË, ‹ ÛÙ·ıÂÚÔÔ›ËÛË,
    ‰˘Ó·ÙfiÓ Ó· ‰È·ÚΤÛÂÈ Î·È Ì¤¯ÚÈ 10 ¯ÚfiÓÈ·. ∞˘Ù‹ Ë Ù¿ÛË ÙÔ˘ Economist ›ӷÈ
    ÙÂÏ›ˆ˜ ‰È·ÊÔÚÂÙÈ΋ ÛÙËÓ ÚÔ ‰‡Ô ÂÙÒÓ ı¤ÛË ÙÔ˘. ∏ ·Ó¿Ï˘ÛË ·Ó·Ê¤ÚÂÙ·È
    Û ÌÈ· ̤ıÔ‰Ô ÂÎÙ›ÌËÛ˘ ÁÈ· Ó· ÂÍ·ÎÚÈ‚ˆı› ηٿ fiÛÔ ¤Ó· ·Î›ÓËÙÔ ¤¯ÂÈ
    ˘ÂÚ‚ÔÏÈο „ËÏ‹ ÙÈÌ‹ Û ۯ¤ÛË Ì ÙÔ ÂÈÛfi‰ËÌ· ÙÔ˘ Î·È ¿Ú· ·Ó·Ì¤ÓÂÈ ÙËÓ
    Ì›ˆÛË ÙÔ˘, ÚÔÛı¤ÙÔÓÙ·˜ fiÙÈ fiÛÔ ÈÔ ÌÂÁ¿ÏË Â›Ó·È Ë ‰È·ÊÔÚ¿ (¯·ÌËÏ‹
    ·fi‰ÔÛË) Û ۯ¤ÛË Ì ÙËÓ ·Í›·, ÙfiÛÔ ÈÔ Èı·Ó‹ Â›Ó·È Ë ÂΉ‹ÏˆÛË
    "ÊÔ‡Ûη˜". ∂Î ÙˆÓ Ú·ÁÌ¿ÙˆÓ Ê·›ÓÂÙ·È fiÙÈ Ì ÙÔ˘˜ ÂÈÎÚ·ÙÔ‡ÓÙ˜ ÙfiÎÔ˘˜
    ηٿıÂÛ˘/‰·ÓÂÈÛÌÔ‡, Ë ∫‡ÚÔ˜ ¤¯ÂÈ ÌÈ· ηϋ ·fi‰ÔÛË (ÂÈÛfi‰ËÌ· +
    ÎÂÊ·Ï·ÈÔ˘¯È΋ ˘ÂÚ·Í›· Î·È ¿Ú· Ì ‚¿ÛË ÙËÓ ÌÂıÔ‰ÔÏÔÁ›· ÙÔ˘ Economist
    ‰ÂÓ ˘¿Ú¯ÂÈ ı¤Ì· Ì›ˆÛ˘ ÙÈÌÒÓ.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    21
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 22

    ∞Ó ÂÊ·ÚÌfiÛÔ˘Ì ÙËÓ ›‰È·/·ÚfiÌÔÈ· ÌÂıÔ‰ÔÏÔÁ›· ÌÂ.¯.Â¤Ó‰˘ÛË/ÂÈÛfi‰ËÌ·


    /·fi‰ÔÛË (yield) ÂÓfi˜ ‰È·ÌÂÚ›ÛÌ·ÙÔ˜ ÙˆÓ ‰‡Ô ˘ÓÔ‰ˆÌ·Ù›ˆÓ Ì ÙÈÌ‹ ·ÁÔÚ¿˜
    ÚÔ˜ §∫100.000 (ηÈÓÔ‡ÚÁÈÔ ‹ ÌË) Ì ÂÓÔ›ÎÈÔ §∫350/Ì‹Ó· Î·È Ì ÙfiÎÔ
    ÎÂÊ·Ï·ÈÔÔ›ËÛ˘ ÙÔ˘ ÂÓÔÈΛԢ ÚÔ˜ 4%, Ë ·Í›· ÙÔ˘ Â›Ó·È (§∫350 ¯ 12 ¯ 100/4)
    = +-§∫105.000. ¢ËÏ·‰‹ ÙÔ ‰È·Ì¤ÚÈÛÌ· Û ·˘Ù‹Ó ÙËÓ ‚¿ÛË Ù˘ ‰ÈÂıÓÔ‡˜
    ·˘Ù‹˜ ÌÂıfi‰Ô˘, ¤¯ÂÈ ÂÚÈıÒÚÈ· ·‡ÍËÛ˘. ¶·ÚÔÌÔ›ˆ˜ Ì ¤Ó· ‰È·Ì¤ÚÈÛÌ· ÙˆÓ
    3 ˘ÓÔ‰ˆÌ·Ù›ˆÓ ·Í›·˜ §∫130.000 (ηÈÓÔ‡ÚÁÈÔ ‹ ÌË) Ì ÂÓÔ›ÎÈÔ §∫450, Ë ·Í›·
    Â›Ó·È (‚¿ÛÂÈ ÂÓÔÈΛԢ) §∫135.000. ø˜ ÂÎ ÙÔ‡ÙÔ˘ Î·È ‚¿ÛÂÈ ·˘Ù‹˜ Ù˘ ‰ÈÂıÓÔ‡˜
    ÊfiÚÌÔ˘Ï·˜, Ù· ∫˘Úȷο ÔÈÎÈÛÙÈο ·Î›ÓËÙ· ‰ÂÓ Ê·›ÓÂÙ·È Ó· Â›Ó·È ˘ÂÚÙÈÌË̤ӷ.
    ¡· ÛËÌÂȈı› Â‰Ò fiÙÈ ÙÔ yield/·fi‰ÔÛË ÙÔ˘ 4% Â›Ó·È Ôχ ¯·ÌËÏfi, ·ÏÏ¿ ·˘Ùfi
    ı· Ú¤ÂÈ Ó· Û˘ÁÎÚÈı› Ì ÙÔÓ ÙfiÎÔ Î·Ù¿ıÂÛ˘ Î·È ÙÔ ÔÛÔÛÙfi ·˘ÍËÙÈ΋˜
    Ù¿Û˘ ÙˆÓ ÙÈÌÒÓ.

    ∂Ê·ÚÌfi˙ÔÓÙ·˜ ·˘Ù‹Ó ÙËÓ ÊfiÚÌÔ˘Ï·, Ô Economist ÂÙԛ̷Û ÙÔÓ ·ÎfiÏÔ˘ıÔ


    ηٿÏÔÁÔ ¯ˆÚÒÓ ˘ÂÚÙÈÌËÌ¤ÓˆÓ Î·Ù¿ ÙËÓ ¿Ô„Ë ÙÔ˘ ·ÎÈÓ‹ÙˆÓ:

    ∆·˘Ùfi¯ÚÔÓ· Ô ‰ÈÂıÓ›˜ Ô›ÎÔ˜ Knight Frank ·ÍÈÔÏÔÁ› ÙËÓ ∫‡ÚÔ, Ì·˙› Ì ÙËÓ
    °·ÏÏ›· ˆ˜ Hot Spots (·ÁÔÚ¿ Ì „ËÏ‹ ˙‹ÙËÛË) ÁÈ· ÙÔ ¤ÙÔ˜ 2007, ÂÓÒ Ô Ô›ÎÔ˜
    Assetz ηٷٿÛÛÂÈ ÙËÓ ∫‡ÚÔ ˆ˜ ·ÓÙ·ÁˆÓÈÛÙÈ΋ ·ÁÔÚ¿ Ù˘ µÔ˘ÏÁ·Ú›·˜ ηÈ
    ƒÔ˘Ì·Ó›·˜, ·ÏÏ¿ ¯ˆÚ›˜ ÙÔ˘˜ ÎÈÓ‰‡ÓÔ˘˜ ÙˆÓ ¯ˆÚÒÓ ·˘ÙÒÓ. ™‡Ìʈӷ Ì ÙËÓ
    ·Ó·ÊÔÚ¿ ÙˆÓ, ÙÔ 40% ÙˆÓ ·ÁÔÚ·ÛÙÒÓ ·fi ÙÔ ∏. µ·Û›ÏÂÈÔ ÂÂÓ‰‡Ô˘Ó
    ÛÙÔ Â͈ÙÂÚÈÎfi ˆ˜ Â¤Ó‰˘ÛË, ¢ÂÏÈÛÙÒÓÙ·˜ Û ÎÂÊ·Ï·ÈÔ˘¯È΋ ˘ÂÚ·Í›· ÛÂ
    ÌÂÙ·ÒÏËÛË. ªfiÓÔ ÙÔ 15% ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Â›Ó·È ¤ÙÔÈÌÔÈ fï˜ Ó· ·Ó·Ï¿‚Ô˘Ó
    ·˘ÍË̤ÓÔ˘ ÎÈÓ‰‡ÓÔ˘ ÂÂÓ‰‡ÛÂȘ ÛÙπ˜ Ӥ˜ ¯ÒÚ˜ Ù˘ ∂.∂.

    22
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 23

    House price growth in Europe: Knight Frank’s forecast for 2007/2008:

    Lithuania - 20.0 per cent Greece - 7.5 per cent


    Latvia - 17.5 per cent Ireland - 7.5 per cent
    Slovenia - 17.5 per cent Montenegro - 7.5 per cent
    Morocco - 15.0 per cent Spain - 7.5 per cent
    Croatia - 12.5 per cent Sweden - 7.5 per cent
    *Cyprus - 12.5 per cent Austria - 2.5 per cent
    Estonia - 12.5 per cent Belgium - 2.5 per cent
    Malta - 12.5 per cent Finland - 2.5 per cent
    Poland - 12.5 per cent Germany - 2.5 per cent
    Romania - 12.5 per cent
    Hungary - 2.5 per cent
    Slovak Republic - 12.5 per cent
    Italy - 2.5 per cent
    Turkey - 12.5 per cent
    Luxembourg - 2.5 per cent
    Bosnia & Herzegovina - 7.5 per cent
    Macedonia - 2.5 per cent
    Bulgaria - 7.5 per cent
    Netherlands - 2.5 per cent
    Czech Republic - 7.5 per cent
    Portugal - 2.5 per cent
    Denmark - 7.5 per cent
    Switzerland – 2.5 per cent
    France - 7.5 per cent

    ∞ÓÂÍ¿ÚÙËÙ· ÙˆÓ ÈÔ ¿Óˆ, ÙÔ ÎfiÛÙÔ˜ ·ÁÔÚ¿˜ ÛÙËÓ ∫‡ÚÔ Â›Ó·È Û˘ÁÎÚÈÙÈο
    Ôχ „ËÏfi Û ۯ¤ÛË Ì ٷ ÂÈÛÔ‰‹Ì·Ù·. ã∂ÙÛÈ, ÛÙÔ ∏.µ. Ë ·ÁÔÚ¿ ηÙÔÈΛ·˜
    ·ÔÙÂÏ› 4 ÊÔÚ¤˜ ÙÔ ÂÙ‹ÛÈÔ ÂÈÛfi‰ËÌ· (ÌÈÛıfi˜) ÂÓfi˜ ˙‡ÁÔ˘˜ (ÂÎÙfi˜
    §ÔÓ‰›ÓÔ˘), ÂÓÒ ÛÙËÓ ∫‡ÚÔ Â›Ó·È 7-8 ÊÔÚ¤˜. ∞˘Ùfi ‰Â›¯ÓÂÈ fiÙÈ ÔÈ ·Í›Â˜/ÙÈ̤˜
    ‰È¿ıÂÛ˘ ‰ÂÓ Û˘Ó¿‰Ô˘Ó Ì ٷ ÂÈÛÔ‰‹Ì·Ù· ÙÔ˘ ̤ÛÔ˘ ∫‡ÚÈÔ˘ Î·È ÁÈ· ÙȘ
    ·ÁÔÚ¤˜/ÂÂÓ‰‡ÛÂȘ Û ÛÙ¤ÁË, ¯ÚÂÈ¿˙ÂÙ·È ÌÂÁ¿ÏÔ˜ ‰·ÓÂÈÛÌfi˜/ÂÓ›Û¯˘ÛË ·fi
    Û˘ÁÁÂÓ›˜/ ‰È¿ıÂÛË ¿ÏÏˆÓ ·ÎÈÓ‹ÙˆÓ ÎÏ ÚÔ˜ Â›Ù¢ÍË ·ÁÔÚ¿˜.

    ™ÙÔ ı¤Ì· Ù˘ ·ÁÔÚ¿˜ ÙˆÓ Í¤ÓˆÓ ÛÙËÓ ∫‡ÚÔ, Ì ·ÚÈ· ·ÁÔÚ¿ ÙˆÓ µÚÂÙ·ÓÒÓ,
    ‰ÂÓ ‚Ô‹ıËÛÂ Î·È Ë ÂÈÎÚ·ÙÔ‡Û· ηٿÛÙ·ÛË Ù˘ ·ÁÔÚ¿˜ ÙˆÓ Î·ÙÔÈÎÈÒÓ ÛÙÔ
    ∏.µ. ∞fi ÙȘ ÙÔÈΤ˜ ÛÙ·ÙÈÛÙÈΤ˜ ÔÈ ÙÈ̤˜ ÛÙÔ ∏.µ. ¤¯Ô˘Ó ÌÂȈı› ηٿ 10%
    Û ۯ¤ÛË Ì ÙÔ 2006, ÂÓÒ ÁÈ· ÙÔ ¤ÙÔ˜ 2008 ·Ó·Ì¤ÓÂÙ·È ÁÂÓÈ΋ Ì›ˆÛË Ù˘
    Ù¿Í˘ ÙÔ˘ 5% (ÂÍ’ ·ÓÙÈı¤ÙÔ˘ ÁÈ· ÙÔ ÎÂÓÙÚÈÎfi §ÔÓ‰›ÓÔ ·‡ÍËÛË 15%).

    ªÈ· Î·È Ë ∫˘Úȷ΋ ·ÁÔÚ¿ ·ÎÈÓ‹ÙˆÓ ¤¯ÂÈ ÚÔÛÂÏ·ÛÂÈ ÙÔ ¤ÓÙÔÓÔ ÂӉȷʤÚÔÓ


    ÙˆÓ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ Ô˘ ÛÙËÓ ·Ó·ÏÔÁ›· ÙÔ˘˜ ·ÔÙÂÏÔ‡ÓÙ·È Î·Ù¿ 70% ·fi
    µÚÂÙ·ÓÔ‡˜, Û·˜ ·Ú·ı¤ÙÔ˘Ì ÛÙÔȯ›· ·fi ÌÈ· ÛÙÂÁ·ÛÙÈ΋ ÌÂϤÙË ÙËÓ ÔÔ›·
    ÂÙԛ̷ÛÂ Ô ÔÏ˘ÂıÓÈÎfi˜ Ô›ÎÔ˜ ™˘Ì‚Ô‡ÏˆÓ ∞ÎÈÓ‹ÙˆÓ Savills.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    23
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 24

    ñ À¿Ú¯Ô˘Ó ÂÚ›Ô˘ 304.500 µÚÂÙ·ÓÔ› ·ÁÔÚ·ÛÙ¤˜ ÛÙÔ Â͈ÙÂÚÈÎfi Î·È Ô ·ÚÈıÌfi˜


    ·˘Í¿ÓÂÙ·È Î·Ù¿ 9% ÙÔÓ ¯ÚfiÓÔ.
    ñ 56% Ù˘ ͤÓ˘ ȉÈÔÎÙËÛ›·˜ ·fi µÚÂÙ·ÓÔ‡˜ ‚Ú›ÛÎÂÙ·È Î˘Ú›ˆ˜ ÛÙËÓ πÛ·Ó›·
    Î·È °·ÏÏ›· fiÔ˘ ˘¿Ú¯ÂÈ ·˘ÍËÙÈÎfi ÂӉȷʤÚÔÓ ÁÈ· ÙËÓ µÔ˘ÏÁ·Ú›· Î·È ∫ÚÔ·Ù›·.
    ñ ∆· ÔÛÔÛÙ¿ ÙˆÓ ·ÁÔÚ·ÛÙÒÓ ÁÈ· ÂÓÔÈΛ·ÛË (buy to let) Â›Ó·È ·˘ÍËÙÈο (ÙÒÚ·
    53%) Ì ÔÈÎÔÓÔÌÈο ÎÚÈÙ‹ÚÈ· ÂÈÏÔÁ‹˜ ·Ú¿ ÁÈ· ȉ›·Ó ¯Ú‹ÛË. ∏ πÙ·Ï›· ηÈ
    Ë ∂ÏÏ¿‰· ıˆÚÔ‡ÓÙ·È fiÙÈ Â›Ó·È ÔÈ ¯ÒÚ˜ Ì ٷ ÈÔ „ËÏ¿ ÔÛÔÛÙ¿ ·fi‰ÔÛ˘.
    ∏ ·fi‰ÔÛË Â› Ù˘ Â¤Ó‰˘Û˘ (ÂÈÛfi‰ËÌ·-ÂÓÔ›ÎÈÔ) ·ÔÙÂÏ› ÙÔ Î‡ÚÈÔ ÎÚÈÙ‹ÚÈÔ
    ÙˆÓ ·ÁÔÚ·ÛÙÒÓ (43%), ÂÓÒ Ë ‰˘Ó·ÙfiÙËÙ· Â›Ù¢Í˘ ÎÂÊ·Ï·ÈÔ˘¯ÈÎÒÓ ÎÂÚ‰ÒÓ
    ·ÔÙÂÏ› ÙÔ 20% Ù˘ ÂÈÏÔÁ‹˜, Ì ÙËÓ ÙÈÌ‹ Ó· ÂËÚ¿ÛÂÈ ÌfiÓÔ ÙÔ 26% ÙˆÓ
    ·ÁÔÚ·ÛÙÒÓ.
    ñ ∏ ËÏÈΛ· ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Â›Ó·È (34%) 65-74 ¯ÚÔÓÒÓ, ·ÎÔÏÔ˘ı› Ë ËÏÈΛ·
    ÙˆÓ 30-44 ¯ÚÔÓÒÓ (33%), Ë ËÏÈΛ· ¤Ú·Ó ÙˆÓ 75 ÂÙÒÓ (15%) Î·È Ë ËÏÈΛ·
    30-44 (15%) ÎÏ.
    ñ ∆Ô ¤ÙÔ˜ 2006 Ë ∫‡ÚÔ˜ ηÙ›¯Â ÙÔ ÔÛÔÛÙfi ÙÔ˘ 2% ÙˆÓ ·ÁÔÚ·ÛÙÒÓ ÛÙÔ
    Â͈ÙÂÚÈÎfi.
    ñ ∏ ·ÚÈ· ˙‹ÙËÛË ·fi µÚÂÙ·ÓÔ‡˜ Â›Ó·È ÁÈ· ·ÁÔÚ¤˜ ÛÙËÓ ∫‡ÚÔ Á‡Úˆ ÛÙ˜
    í180.000-í200.000, ÁÈ· ÙËÓ µÔ˘ÏÁ·Ú›· í120.000, ÙËÓ ∆Ô˘ÚΛ· í130.000,
    ÂÓÒ Ë πÛ·Ó›·/¶ÔÚÙÔÁ·Ï›· ‚Ú›ÛÎÂÙ·È Û ·ÚfiÌÔÈ· Â›‰· Ì ÙËÓ ∫‡ÚÔ.
    ∏ ÂÏ΢ÛÙÈÎfiÙËÙ· Ù˘ ·ÁÔÚ¿˜ Ù˘ ∫‡ÚÔ˘ Û ۯ¤ÛË Ì ·ÚfiÌÔÈÔ˘˜ ÚÔÔÚÈÛÌÔ‡˜
    ͤӈÓ.

    Country Score Typical Property1 Income tax Rate Inheritance tax


    Cyprus 71 í77.000 5% 2
    No3
    Panama 71 í110.000 0% No3
    France 65 í140.000 Up to 49.8% 30%4
    Belize 64 í90.000 Up to 1.75% No2
    Spain 63 í137.000 Up to 42% 30%4
    1
    Typical property for retired couple from overseas
    2
    For pensioners
    3
    If you revoke all ties with the U.K.
    4
    On average

    ∞À•∏™∏ ∫√™∆√À™ ∫∞∆∞™∫∂À∏™


    ∏ Ú·Á‰·›· ·‡ÍËÛË ÙÔ˘ ηٷÛ΢·ÛÙÈÎÔ‡ ÎfiÛÙÔ˘˜ Ô˘ ·Ú·ÙËÚÂ›Ù·È Ù· ÙÂÏÂ˘Ù·›·
    ¯ÚfiÓÈ· Âȉڿ ·Ó·ÛÙ·ÏÙÈο ÛÙËÓ Î·Ù·Û΢·ÛÙÈ΋ ‰Ú·ÛÙËÚÈfiÙËÙ·, ÌÈ·˜ ηÈ
    ÂÚÈÔÚ›˙ÂÈ ÙÔ ÂÚÈıÒÚÈÔ Î¤Ú‰Ô˘˜ ÙˆÓ ÂȯÂÈÚ‹ÛÂˆÓ ·Ó¿Ù˘Í˘ Á˘ (Ì›ˆÛË
    ˙‹ÙËÛ˘ ÏfiÁˆ ÎfiÛÙÔ˘˜). ∏ ·‡ÍËÛË ÙÔ˘ ÎfiÛÙÔ˘˜ Û˘Ì‚¿ÏÏÂÈ Â›Û˘ ÛÙËÓ ·‡ÍËÛË
    ÙˆÓ ÙÈÌÒÓ Î·ÙÔÈΛ·˜ Ì·ÎÚÔÚfiıÂÛÌ·. ã√̈˜, fiÙ·Ó ÙÔ Î·Ù·Û΢·ÛÙÈÎfi ÎfiÛÙÔ˜
    ·˘Í¿ÓÂÙ·È Ì ٷ¯‡ÙÂÚÔ Ú˘ıÌfi ·’ fiÙÈ ÔÈ ÙÈ̤˜ ηÙÔÈΛ·˜, Ë ·‡ÍËÛË ÙÔ˘ ‰È·‚ÚÒÓÂÈ
    ÙÔ ÂÚÈıÒÚÈÔ Î¤Ú‰Ô˘˜ ÙˆÓ ÂȯÂÈÚ‹ÛÂˆÓ ·Ó¿Ù˘Í˘ ·ÎÈÓ‹ÙˆÓ Ì ·ÔÙ¤ÏÂÛÌ·
    Ó· ÂÚÈÔÚ›˙ÂÙ·È ÙÔ Î›ÓËÙÚÔ ‰Ú·ÛÙËÚÈÔÔ›ËÛ˘ ÙÔ˘˜. ∆Ô Î·Ù·Û΢·ÛÙÈÎfi ÎfiÛÙÔ˜
    Ê·›ÓÂÙ·È Ó· ·˘Í¿ÓÂÙ·È Û˘Ó¯Ҙ Ù· ÙÂÏÂ˘Ù·›· ¯ÚfiÓÈ·. ∂Ó‰ÂÈÎÙÈο, Ô ‰Â›ÎÙ˘ ÙÈÌÒÓ
    24
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 25

    ÂÚÁ·ÙÈÎÔ‡ ÎfiÛÙÔ˘˜ ÛÙȘ ηٷÛ΢¤˜ ·˘Í‹ıËÎÂ Û˘ÓÔÏÈο ηٿ 27.5% ·fi ÙÔ


    2000 ̤¯ÚÈ ÙÔ 2007, ÂÓÒ ÙËÓ ›‰È· ÂÚ›Ô‰Ô Ô ‰Â›ÎÙ˘ ÙÈÌÒÓ ˘ÏÈÎÒÓ ÔÈÎÔ‰ÔÌ‹˜
    ·˘Í‹ıËΠηٿ 25.5%. ∆Ô 2007, Ô ‰Â›ÎÙ˘ ÙÈÌÒÓ ˘ÏÈÎÒÓ ÔÈÎÔ‰ÔÌ‹˜ ›¯Â ·Ó¤ÏıÂÈ
    Û 131.4, ÂͤÏÈÍË Ô˘ ·ÓÙ·Ó·ÎÏ¿ ΢ڛˆ˜ ÙËÓ Â›‰Ú·ÛË ·fi ÙËÓ ·‡ÍËÛË ÙÔ˘
    ÂÓÂÚÁÂÈ·ÎÔ‡ ÎfiÛÙÔ˘˜. ªÂٷ͇ 2000 Î·È 2006, Ô ‰Â›ÎÙ˘ ÙÈÌÒÓ ·Ú·ÁˆÁÔ‡
    ÛÙȘ ηٷÛ΢¤˜ ÎÙÈÚ›ˆÓ ·˘Í‹ıËΠηٿ Û˘ÓÔÏÈο 50%, ÁÂÁÔÓfi˜ Ô˘ ·ÓÙ·Ó·ÎÏ¿
    Î·È ÙÔ "ÎfiÛÙÔ˜ ·fiÎÙËÛ˘ Á˘" ˆ˜ ·ÔÙ¤ÏÂÛÌ· ÙÔ˘ - ηٿ ηÓfiÓ· - Ù·¯‡ÙÂÚÔ˘
    Ú˘ıÌÔ‡ ·‡ÍËÛ˘ Ù˘ ·Í›·˜ Ù˘ Û ۯ¤ÛË Ì ÙÔ Ú˘ıÌfi ·‡ÍËÛ˘ ÙˆÓ ÙÈÌÒÓ
    ηÙÔÈΛ·˜. ™˘ÓÂÒ˜, ·fi Ù· ÛÙÔȯ›· ·˘Ù¿ ÚÔ·ÙÂÈ fiÙÈ ÔÈ Î·Ù·Û΢·ÛÙ¤˜
    ‹Ù·Ó Û ı¤ÛË Ó· ÌÂÙ·Î˘Ï‡Ô˘Ó ÙÔ ·˘ÍË̤ÓÔ ÎfiÛÙÔ˜ ˘ÏÈÎÒÓ, ÂÚÁ·ÙÈÎÒÓ ÎÏ
    ÛÙÔ˘˜ ·ÁÔÚ·ÛÙ¤˜. £· Ú¤ÂÈ Ó· ·Ó·Ì¤ÓÔ˘Ì fiÙÈ Î·È ÛÙÔ Ì¤ÏÏÔÓ ı· ÂÍ·ÎÔÏÔ˘ı›
    Ó· ÂÈÎÚ·Ù› ÌÈ· Ù¿ÛË ·‡ÍËÛ˘ ÙÔ˘ ηٷÛ΢·ÛÙÈÎÔ‡ ÎfiÛÙÔ˘˜ Ô˘ ı· ÂËÚ¿˙ÂÈ
    ÙË Î·Ù·Û΢·ÛÙÈ΋ ‰Ú·ÛÙËÚÈfiÙËÙ· ·ÚÓËÙÈο. ¶ÚÔ˜ ÙËÓ ›‰È· ηÙ‡ı˘ÓÛË Ê·›ÓÂÙ·È Ó·
    ÂËÚ¿˙ÂÈ Î·È Ë ·‡ÍËÛË Ù˘ ·Í›·˜ Ù˘ Á˘.

    µ·ÛÈÎÔ› ‰Â›ÎÙ˜ ηٷÛ΢·ÛÙÈ΋˜ ‚ÈÔÌ˯·Ó›·˜


    2000 2001 2002 2003 2004 2005 2006 2007
    ∂ÚÁ·˙fiÌÂÓÔÈ (¯ÈÏÈ¿‰Â˜) 26.2 27.5 29.3 31.3 33 33.6 33.9 33.9
    ¶ˆÏ‹ÛÂȘ ÙÛÈ̤ÓÙÔ˘
    (¯ÈÏ. ÙÔÓ.) 945 1055 1183 1303 1537 1589 1627 1790
    ã∞‰ÂȘ ÔÈÎÔ‰ÔÌ‹˜ (¯ÈÏ. Ù.Ì.) 1.651 1.993 2.178 2.591 3.016 3.417 3507 3613
    ¢Â›ÎÙ˘ ˆÚÔÌ›ÛıÈÔ˘
    ∂ÚÁ·ÙÈÎÔ‡ ÎfiÛÙÔ˘˜
    ™ÙȘ ηٷÛ΢¤˜ 100 104.9 110.1 116.6 121.2 127.5 134.2 140.4
    ¢Â›ÎÙ˘ ÙÈÌÒÓ ˘ÏÈÎÒÓ ÔÈÎÔ‰ÔÌ‹˜
    (ÂÚÈÏ·Ì‚·ÓÔÌ¤ÓˆÓ Î·È ÙˆÓ
    ∂ȉÒÓ ˘ÁÈÂÈÓ‹˜ 100 102.8 105.2 110 119.1 125.5 131.8 138.9
    ∆È̤˜ ·Ú·ÁˆÁÔ‡ 100 105 111.5 123 141.4 158.05 172.9 179.8

    √π∫√¢√ªπ∫∞ ∫√™∆∞ 2006+2007 / ∆πª∂™ ∞¡∞ ∆.ª.


    ∫·ÙÔÈ˘ °Ú·Ê›· ∂ÚÁ./ ¢È·ÌÂÚ. ∫·Ù·ÛÙ.
    ∞Ôı‹Î˜
    2006 2007 2006 2007 2006 2007 2006 2007 2006 2007
    ÀfiÁÂÈÔ í200 í210 í200 í210 í200 í210 í200 í210 í200 í210
    µ·ı‡ ˘fiÁÂÈÔ í300 í320 í300 í320 í300 í320 í300 í320 í300 í320
    ¶ÈÏÔÙ‹˜ í150 í185 í150 í185 í150 í185 í150 í185 í150 í185
    ∫·Ï. ÃÒÚÔÈ √ÈÎÔ‰ÔÌ‹˜
    ª¤Û˘ ¶ÔÈfiÙËÙ·˜ í500 í550 í500 í550 í200 í230 í500 í550 í450 í480
    ∞ÓÒÙÂÚ˘ ¶ÔÈfiÙËÙ·˜ í650 í720 í550 í600 í220 í240 í550 í580 í500 í530
    æËÏ‹˜ ¶ÔÈfiÙËÙ·˜ í800 í1000 í600 í650 í250 í260 í600 í630 ---- ----

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    25
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 26

    EÈϤÔÓ ı· Ú¤ÂÈ Ó· ÏËÊı› ˘fi„Ë Ù· ÈÔ Î¿Ùˆ ÎfiÛÙ· Û ÂÚ›ÙˆÛË


    ÎÔÛÙÔÏfiÁËÛ˘ ÌÈ·˜ ÌÂÌÔӈ̤Ó˘ ηÙÔÈΛ·˜.

    ∂͈ÙÂÚÈΤ˜ ÂÚÁ·Û›Â˜ (·Ó¿ÏÔÁ· ÙÔ˘ ÌÂÁ¤ıÔ˘˜ ÙÔ˘ ÔÈÎÔ¤‰Ô˘) +-4.000


    ∞Ú¯¤˜ +-2.500
    ¶ÈÛ›Ó· (4 Ì. ¯ 8 Ì.) +-8.000
    ™‡Ì‚Ô˘ÏÔÈ % ¿Óˆ ÛÙÔ Û˘ÓÔÏÈÎfi ÎfiÛÙÔ˜ +6%
    ∞Úfi‚ÏÂÙ· +3%
    º.¶.∞.*
    * ÂÎÙfi˜ ·Ó ˘¿Ú¯ÂÈ ‰Èη›ˆÌ· ÂÈÛÙÚÔÊ‹˜ ÙÔ˘ 10% +15%

    √π∫√¢√ªπ∫∞ ∫√™∆∞ (∆∞™∂π™)


    ∆· ÔÈÎÔ‰ÔÌÈο ÎfiÛÙ· ÛÙËÓ ∫‡ÚÔ ·Ó·Ï‡ÔÓÙ·È Û˘Ó‹ıˆ˜ Û 52% ˘ÏÈο ηÈ
    48% ÂÚÁ·ÙÈÎfi ÎfiÛÙÔ˜. ∆· ÔÈÎÔ‰ÔÌÈο ÎfiÛÙ· ηٿ ̤ÛÔ fiÚÔ ¤‰ÂÈÍ·Ó ÙȘ ÈÔ
    οو Ù¿ÛÂȘ (Ù.Ì.):

    2002í 2003í 2004í 2005í 2006í 2007í


    ∫·ÙÔÈ˘ 370 390 408 462 500 550
    ¢È·ÌÂÚ. 353 362 379 422 500 550
    °Ú·Ê›· 370 405 400 447 550 600
    ∫·Ù·ÛÙ. 370 405 400 447 450 480
    ¢È·¯ˆÚÈÛÌÔ›
    ÔÈÎÔ¤‰ˆÓ/
    ÎfiÛÙÔ˜
    ÔÈÎfiÂ‰Ô 5000/¤Ó· 5650 6750 7500 8000 9000

    ∞Ôı‹Î˜ ---- ---- ---- 170 200 22

    ¶ËÁ‹: ∆Ì‹Ì· ™Ù·ÙÈÛÙÈ΋˜, ÂÎÙfi˜ ÙÔ ¤ÙÔ˜ 2006/7 2007 - ¶Úfi‚Ï„Ë

    √È ÈÔ ¿Óˆ ·Í›Â˜ ¤¯Ô˘Ó ·˘ÍËı› ηٿ 5%/¤ÙÔ˜ ÏfiÁˆ ÙÔ˘ fiÙÈ ÙÔ ∆Ì‹Ì·
    ™Ù·ÙÈÛÙÈ΋˜ ˘ÈÔıÂÙ› ÙÔ ÈÛÙÔÚÈÎfi ÎfiÛÙÔ˜ Ô˘ Â›Ó·È ÙÈ̤˜ 1-1ó ÚÈÓ ·fi ÙÔ ¤ÙÔ˜
    Ô˘ ·Ó·Ê¤ÚÂÙ·È. ∆· Ù.Ì. ·Ó·Ê¤ÚÔÓÙ·È Û fiÏÔ˘˜ ÙÔ˘˜ Î·Ï˘Ì̤ÓÔ˘˜ ¯ÒÚÔ˘˜,
    Ì·˙› Ì ˘fiÁÂÈ·, ÛÔʛٷ, Î·Ï˘Ì̤Ó˜ ‚ÂÚ¿ÓÙ˜ ÎÏ.

    ∆√ ∂∆√™ 2008-2009
    ∞fi Ù· ÚÔËÁÔ‡ÌÂÓ· Û¯fiÏÈ· ‰ÂÓ Ê·›ÓÂÙ·È Ó· ˘¿Ú¯ÂÈ ÛÔ‚·Úfi˜ ΛӉ˘ÓÔ˜ ÁÈ·
    ‡·ÚÍË ÊÔ‡Ûη˜ ˘fi ÙËÓ ¤ÓÓÔÈ· Ù˘ ÛÔ‚·Ú‹˜ ÁÂÓÈ΋˜ ÙÒÛ˘ ÙˆÓ ÙÈÌÒÓ ÛÙËÓ
    ∫‡ÚÔ. ª¿ÏÏÔÓ ÔÈ ·Ú¿ÁÔÓÙ˜ Ô˘ ÚÔοÏÂÛ·Ó ÙËÓ ·˘ÍËÙÈ΋ Ù¿ÛË ÙˆÓ ÙÈÌÒÓ,
    ı· Û˘Ó¯›ÛÔ˘Ó Ó· ˘¿Ú¯Ô˘Ó, ¿ÓÎ·È Ë Û˘Ó¯‹˜ ·‡ÍËÛË ÙÔ˘ ÎfiÛÙÔ˘˜/ÙÈÌÒÓ
    ‰È¿ıÂÛ˘, ı· ÚÔηϤÛÂÈ ÙËÓ Û˘Ó¤¯ÈÛË Ù˘ Ì›ˆÛ˘ Ù˘ ˙‹ÙËÛ˘ ÏfiÁˆ
    ·‰˘Ó·Ì›·˜ ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Î·È Î·Ù’ Â¤ÎÙ·ÛË ÙËÓ ÛÙ·ıÂÚÔÔ›ËÛË ÙˆÓ ÙÈÌÒÓ.

    26
    a.loizou booklet 2008MEL 23/07/2008 11:35 Page 27

    ™ÙËÓ ÔÚ›· ·˘Ù‹ Î·È ÂÍÂÙ¿˙ÔÓÙ·˜ ÙËÓ ‰ÈÂıÓ‹ ÙÔ˘Ï¿¯ÈÛÙÔÓ ·ÁÔÚ¿, ‰ÂÓ
    ‰È·Ê·›ÓÔÓÙ·È È‰È·›ÙÂÚ· Ì·‡Ú· Û‡ÓÓÂÊ· ÛÙÔÓ ÔÚ›˙ÔÓÙ·, ÂÓÒ ¤ÛÙˆ Î·È Â¿Ó ·˘Ù¿
    ÂÌÊ·ÓÈÛıÔ‡Ó, ‰ÂÓ ·Ó·Ì¤ÓÂÙ·È Ó· ÂËÚ¿ÛÔ˘Ó Î¿ıÂÙ· ÙËÓ ∫˘Úȷ΋ ·ÁÔÚ¿,
    ÂÎÙfi˜ Û ÂΛÓÔÓ ÙÔÓ ÙÔ̤· fiÔ˘ ÂÍ·ÚÙ¿Ù·È Ë ˙‹ÙËÛ˘ ·fi ͤÓÔ˘˜ (Î·È ·˘Ùfi
    Û οÔÈÔ ‚·ıÌfi Î·È ÌfiÓÔ ‰ÈfiÙÈ Ë ˙‹ÙËÛË ÙˆÓ Í¤ÓˆÓ ÂÍ·ÚÙ¿Ù·È Î·È ·fi ÙÔ˘˜
    ·Ú¿ÁÔÓÙ˜ ÛÙ˜ ‰ÈΤ˜ ÙÔ˘˜ ¯ÒÚ˜), ÙËÓ Î·Ù‡ı˘ÓÛË ÙˆÓ Í¤ÓˆÓ ∫ÙËÌ·ÙÔÌÂÛÈÙÒÓ
    ÌÂÁ¿Ï˘ Îϛ̷η˜ ÎÏ. ¶ÚÔ˜ ÙÔ‡ÙÔ ı· Ú¤ÂÈ Ó· ÏËÊıÔ‡Ó ˘fi„Ë Î·È ÔÈ
    ·ÚÓËÙÈΤ˜ ÂÈÙÒÛÂȘ Ô˘ ÚÔοÏÂÛÂ Ô ˘¤ÚÌÂÙÚÔ˜ ‰·ÓÂÈÛÌfi˜ Û ۯ¤ÛË ÌÂ
    ÙËÓ ‰˘Ó·ÙfiÙËÙ· ·ÔÏËڈ̋˜. √È ·ÚÓËÙÈΤ˜ ÂÈÙÒÛÂȘ Ù˘ ∞ÌÂÚÈ΋˜ ¤¯Ô˘Ó
    ÂÂÎÙ·ı› ÛÙËÓ ‰˘ÙÈ΋ ∂˘ÚÒË Î·È Î¿ÔȘ ·ÚÂÓ¤ÚÁÂȘ ·ÚÓËÙÈ΋˜ ÌÔÚÊ‹˜,
    ›Ûˆ˜ ı· ·Ú·ÙËÚËıÔ‡Ó Î·È ÛÙËÓ ∫˘Úȷ΋ ∞ÁÔÚ¿. ∏ ÙÔÈ΋, ∫˘Úȷ΋ ·ÁÔÚ¿
    ·ÎÈÓ‹ÙˆÓ ¤¯ÂÈ ÙȘ ȉȷÈÙÂÚfiÙËÙ˜ Ù˘, ‰ÈfiÙÈ Â‡ÎÔÏ· Ô ∫‡ÚÈÔ˜ ·ÁÔÚ¿˙ÂÈ ·Î›ÓËÙÔ
    Î·È ‰‡ÛÎÔÏ· ÙÔ ‰È·ı¤ÙÂÈ. √ ∫‡ÚÔ˜ ÂÂÓ‰˘Ù‹˜ ·ÁÔÚ¿ÛÂÈ Î·Ù¿ ·ÚÈÔ ÏfiÁÔ ÁÈ·
    ‰È΋ ÙÔ˘ ¯Ú‹ÛË (ÙÔ Û›ÙÈ ∆Ô˘, ÙÔ ÂÍÔ¯ÈÎfi ∆Ô˘, ÙËÓ Â¤Ó‰˘ÛË ÁÈ· Ù· ÁËÚ·ÙÂÈ¿
    ∆Ô˘, ÙËÓ Úԛη ÙˆÓ ·È‰ÈÒÓ ∆Ô˘ ÎÏ) ÂÓÒ Ë ¯Ú‹ÛË Ù˘ ·Î›ÓËÙ˘ ȉÈÔÎÙËÛ›·˜
    ˆ˜ ¯¤ÁÁ˘Ô ÁÈ· ÂÍ·ÛÊ¿ÏÈÛË ıˆÚÂ›Ù·È Û οÔÈÔ ‚·ıÌfi ¤Ó· ›‰Ô˜
    "Ú¢ÛÙÔÔ›ËÛ˘" ÙÔ˘ ·ÎÈÓ‹ÙÔ˘ ÙÔ˘. ™Â ·ÓÙ›ıÂÛË Ì ·˘Ùfi, ÛÙÔ Â͈ÙÂÚÈÎfi, ÙÔ
    ÌÂÁ·Ï‡ÙÂÚÔ ÔÛÔÛÙfi ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Û ·Î›ÓËÙ· ÂÍ·ÚÙ¿Ù·È Î·Ù¿ ·ÚÈÔ ÏfiÁÔ
    ·fi ÙËÓ ·fi‰ÔÛË ÙÔ˘˜, ÛηÌ·Ó‚¿ÛÌ·Ù· ÛÙËÓ ÔÈÎÔÓÔÌ›· ÚÔηÏÔ‡Ó ¿ÌÂÛË
    Ú¢ÛÙÔÔ›ËÛË ÙˆÓ ·ÎÈÓ‹ÙˆÓ (Û ·ÓÙ›ıÂÛË Ì ÙËÓ ˘¿Ú¯Ô˘Û· ÛÙËÓ ∫‡ÚÔ
    ÓÔÔÙÚÔ›· ˆ˜ ÙÂÏÂ˘Ù·›Ô ̤ÙÚÔ), ÂÓÒ ÛÙÔ Â͈ÙÂÚÈÎfi ‰ÂÓ ˘¿Ú¯ÂÈ ÂΛÓË Ë ¿ÌÂÛË
    "Û˘Ó·ÈÛıËÌ·ÙÈ΋" Û¯¤ÛË Â¤Ó‰˘Û˘/ȉÈfiÎÙËÙÔ˘ ÙÔ˘ ·ÎÈÓ‹ÙÔ˘. ø˜ ÂÎ ÙÔ‡ÙÔ˘ Ë
    ÚÔÛÊÔÚ¿ ·ÎÈÓ‹ÙˆÓ ÛÙËÓ ∫‡ÚÔ Û ۯ¤ÛË Ì ÙÔ Â͈ÙÂÚÈÎfi Â›Ó·È ·ÓÂÏ·ÛÙÈ΋.

    ∂ÈÚfiÛıÂÙ·, Ë Â˘¯¤ÚÂÈ· Ô˘ ˘¿Ú¯ÂÈ ÙÒÚ· ·Ú·ÌÔÓ‹˜ Î·È ÂÚÁ·Û›·˜ ͤӈÓ


    ÌÂÏÒÓ Ù˘ ∂˘Úˆ·˚΋˜ ã∂ÓˆÛ˘ (›‰Â ÙËÓ ÚfiÛÊ·ÙË ¤ÓÙ·ÍË ·ÎfiÌË 2 ¯ˆÚÒÓ
    ÁÈ· ¤ÓÙ·ÍË ÙÔ 2007) Î·È ·ÎfiÌ· Í¤ÓˆÓ ÂÎÙfi˜ ·˘Ù‹˜ (Ì 5 ¯ÚfiÓÈ· ·Ú·ÌÔÓ‹˜
    ‰Ò) ÛËÌ·›ÓÂÈ fiÙÈ ı· ·˘ÍËı› Î·È ı· ‰È¢ڢÓı› Ë ˙‹ÙËÛË ÙÔ˘ Â͈ÙÂÚÈÎÔ‡. ø˜
    ¤Ó‰ÂÈÍË Î·È ÌfiÓÔ, ÙÔ ‰ÈÎfi Ì·˜ °Ú·ÊÂ›Ô ÛÙ· ÙÂÏÂ˘Ù·›· 2 ¯ÚfiÓÈ· ¤¯ÂÈ ·˘Í‹ÛÂÈ
    ÙÔ˘˜ ͤÓÔ˘˜ ÂÚÁ·˙fiÌÂÓÔ˘˜ Î·È ÛÙÔ Û‡ÓÔÏÔ ÙˆÓ ÂÚÁ·˙Ô̤ӈÓ, Ë Û˘ÌÌÂÙÔ¯‹
    ∂˘Úˆ·›ˆÓ ˘·ÏÏ‹ÏˆÓ ¤¯ÂÈ Êı¿ÛÂÈ ÛÙÔ Â›Â‰Ô ÙÔ˘ 27%!

    √È Û˘Ó¯fiÌÂÓ˜ ·˘Í‹ÛÂȘ ÙÈÌÒÓ Î·È Ë ÂÈ‚ÔÏ‹ ÙÔ˘ º.¶.∞. ÛÙȘ ·ÁÔÚ¤˜


    ·ÎÈÓ‹ÙˆÓ (ÌÂÙ¿ ÙÔÓ 4/04 Î·È ÌÂÙ¿ ÙÔÓ 7/08 ÁÈ· ·ÁÔÚ¤˜ ÎÙËÌ¿ÙˆÓ/ÔÈÎÔ¤‰ˆÓ),
    ı· ÂÈʤÚÔ˘Ó Î¿ÔȘ ‰È·ÊÔÚÔÔÈ‹ÛÂȘ, fiÔ˘ Â›Ó·È ÌÂÓ ‰‡ÛÎÔÏÔ Ó·
    ÚÔ‚ÏÂÊıÔ‡Ó Ì ·ÎÚ›‚ÂÈ·, ·ÏÏ¿ ÔÈ Ù¿ÛÂȘ Â›Ó·È ÂΛ ÚÔ˜ ÌÂϤÙË. ™›ÁÔ˘Ú·
    Ë ÂÈ‚ÔÏ‹ ÙÔ˘ 15% º.¶.∞., ¤¯ÂÈ ·˘Í‹ÛÂÈ Ù· ÎfiÛÙ· ·ÁÔÚ¿˜, ¿ÓÎ·È Á‡Úˆ ÛÙÔ
    8% ÌfiÓÔ, ‰ÈfiÙÈ ÙÒÚ· Ô Î·Ù·Û΢·ÛÙ‹˜ ı· ÌÔÚ› Ó· ÙÔ ·›ÚÓÂÈ ›Ûˆ ÙÔ
    º.¶.∞., ÂÓÒ ÚÈÓ ‰ÂÓ ÌÔÚÔ‡ÛÂ. ∆·˘Ùfi¯ÚÔÓ· ÁÈ· ·ÁÔÚ¤˜ ·Ó¤ÁÂÚÛ˘ ȉ›·˜
    ¯Ú‹Û˘ ˘ÔÛÙ·ÙÈÎÒÓ (ÁÚ·Ê›·/ Â·ÁÁÂÏÌ·ÙÈ΋ ÛÙ¤ÁË) ‰ÈηÈÔ‡Ù·È Ô ·ÁÔÚ·ÛÙ‹˜
    ˆ˜ ¤ÎÙˆÛË ÙÔ º.¶.∞., ÂÓÒ Ë ÂÍ·›ÚÂÛË ÛÙËÓ ·ÁÔÚ¿ Ù˘ ÚÒÙ˘ ηÙÔÈΛ·˜, ı·
    ÚÔηϤÛÂÈ Û ·˘Ù‹Ó ÙËÓ Î·ÙËÁÔÚ›· ÙˆÓ ·ÁÔÚ·ÛÙÒÓ ·ÎfiÌË Î·È ÌÈ· Ì›ˆÛË
    ÙÔ˘ Û˘ÁÎÚÈÙÈÎÔ‡ ÎfiÛÙÔ˘˜ ·ÁÔÚ¿˜ ηٿ 7% (·Ó¿ÏÔÁ· Ì ÙȘ Û˘Óı‹Î˜).

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    27
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 28

    ∞ÛÊ·ÏÒ˜ fï˜ ÏËÛÈ¿˙Ô˘Ì ¤Ó· ÛÙ¿‰ÈÔ ÛÙ·ÛÈÌfiÙËÙ·˜ Î·È ‰È·ÊÔÚÔÔ›ËÛ˘.


    ∆· ÔÏÔ¤Ó· ·˘Í·ÓfiÌÂÓ· ÎfiÛÙ· ÂÚÈÔÚ›˙Ô˘Ó ÙËÓ ˙‹ÙËÛË Î·È ÙÔÓ Ú˘ıÌfi
    ‰È¿ıÂÛ˘ Î·È ·˘Ùfi ı· ÚÔηϤÛÂÈ ÙËÓ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ (Î·È ·Í›·) ÁÈ·
    ÌÂÙ·¯ÂÈÚÈṲ̂Ó˜ ÌÔÓ¿‰Â˜, ÙËÓ ·‡ÍËÛË Ù˘ ˙‹ÙËÛ˘ ÁÈ· ÂÓÔÈΛ·ÛË ÏfiÁˆ ·‰˘Ó·Ì›·˜
    ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Ó· ·ÓÙ·ÔÎÚÈıÔ‡Ó Î·È ÙËÓ ÂÓı¿ÚÚ˘ÓÛË Ù˘ ηÙÔ›ÎËÛ˘ ÂÎÙfi˜
    ΤÓÙÚÔ˘ (Ì ÙȘ ·Ó¿ÏÔÁ˜ ·ÚÂÓ¤ÚÁÂȘ Û ¯ÚfiÓÔ/ÎfiÛÙÔ˜ ‰È·Î›ÓËÛ˘).
    ∆·˘Ùfi¯ÚÔÓ· ÔÈ ÂÂÓ‰˘Ù¤˜ ÁÈ· ›ÛÚ·ÍË ÂÓÔÈΛԢ ı· ‰È·ÈÛÙÒÛÔ˘Ó Û‡ÓÙÔÌ·
    (ÂÓÙfi˜ ÙÔ˘ ¤ÙÔ˘˜ 2008-2009) fiÙÈ Ë ˘ÂÚÚÔÛÊÔÚ¿ ÁÈ· ÂÓÔÈΛ·ÛË (ȉȷ›ÙÂÚ·
    ÛÙËÓ §Â˘ÎˆÛ›·) ı· ÚÔηϤÛÂÈ ÙËÓ Ì›ˆÛË ÙˆÓ ÂÓÔÈΛˆÓ, ·ÏÏ¿ ¤¯ÔÓÙ·˜ Ù·
    ÈÔ ¿Óˆ ˘fi„Ë, Ë Î·Ù¿ÛÙ·ÛË ·˘Ù‹ ·Ó·Ì¤ÓÔ˘Ì fiÙÈ ı· Â·Ó¤ÏıÂÈ ÛÙ·
    "Ê˘ÛÈÔÏÔÁÈο" Â›‰· ÛÙÔ ¤ÙÔ˜ 2010.

    ∞¶√¢√™∏ ™∆∞ ∞∫π¡∏∆∞


    ™Â ÁÂÓÈΤ˜ ÁÚ·Ì̤˜ Ë ·fi‰ÔÛË ÛÙ· ·Î›ÓËÙ· Î˘Ì·›ÓÂÙ·È ÙÒÚ· ÌÂٷ͇ ÙÔ˘ 4%-5%
    (Â› Ù˘ ·ÁÔÚ·›·˜ ·Í›·˜ ÙÔ˘ ·ÎÈÓ‹ÙÔ˘ fi¯È Â› ÙÔ˘ ÈÛÙÔÚÈÎÔ‡ ÙÔ˘ ÎfiÛÙÔ˘˜ (Ë
    ·fi‰ÔÛË ·Ó·Ê¤ÚÂÙ·È Û ۯ¤ÛË Ì ÙÔ ÂχıÂÚÔ ÂÈÛÚ·ÎÙ¤Ô ÂÓÔ›ÎÈÔ). ™ÙÔ Â›‰Ô
    ·˘Ùfi (ÙÔ˘ ¯ÚÔÓÈ·›Ô˘ ÂÓÔÈΛԢ) ı· Ú¤ÂÈ Ó· ·Ê·ÈÚÂ›Ù·È ¤Ó· ÔÛÔÛÙfi 10% ÙÔÓ
    ¯ÚfiÓÔ ÁÈ· ÎÂÓ¤˜ ÂÚÈfi‰Ô˘˜ (ÌË ÂÓÔÈΛ·Û˘), ÂÓÒ Ë ·Ê·›ÚÂÛË ÁÈ· ÊÔÚÔÏÔÁ›·
    ȉÈÔÎÙËÛ›·˜ Î·È ‰È·¯Â›ÚÈÛ˘ ¤Ó· ÂÈϤÔÓ (5%-8%), ‰ËÏ·‰‹ ¤Ó· ηı·Úfi
    ÂÈÛfi‰ËÌ· (ÚÈÓ ·fi ÙÔÓ ÊfiÚÔ ÂÈÛÔ‰‹Ì·ÙÔ˜) Ù˘ Ù¿Í˘ ÙÔ˘ 3.3%-4.5%/¯ÚfiÓÔ.
    ªÂ Ù· ÂÈÎÚ·ÙÔ‡ÓÙ· Â›‰· ÙÔ˘ ÙfiÎÔ˘ ηٿıÂÛ˘ Î·È Ì ÙȘ ‰È¢ÎÔχÓÛÂȘ
    Û ̷ÎÚÔ¯ÚfiÓȘ ‰·ÓÂÈÔ‰ÔÙ‹ÛÂȘ, ÌÈ· ·fi‰ÔÛË ÙÔ˘ ÂÈ¤‰Ô˘ ÙÔ˘ 4%-5%
    ıˆÚÂ›Ù·È ˆ˜ ÈηÓÔÔÈËÙÈ΋, Ï·Ì‚¿ÓÔÓÙ·˜ ˘fi„Ë fï˜ ÙËÓ ÔÈfiÙËÙ· ÙÔ˘
    ÂÓÔÈÎÈ·ÛÙ‹ (Ó· ÌÔÚ› Ó· ÏËÚÒÓÂÈ ÙÔ ÂÓÔ›ÎÈÔ ·ÓÂÏÏÈÒ˜) Î·È ÙËÓ ¯ÚÔÓÈ΋
    ‰È¿ÚÎÂÈ· Ù˘ ÂÓÔÈΛ·Û˘ (fiÛÔ ÈÔ Ì·ÎÚÔ¯ÚfiÓÈ· ›ӷÈ, ÙfiÛÔ ÈÔ ÂÏ΢ÛÙÈ΋ ›ӷÈ
    Ë Â¤Ó‰˘ÛË). ã∂ÙÛÈ ÂÂÓ‰‡ÛÂȘ Ì ·fi‰ÔÛË ÙÔ˘ 4% Î·È Ì ÂÓÔÈÎÈ¿ÛÂȘ ÙˆÓ
    8-15 ÂÙÒÓ, Ì ·˘ÍËÙÈΤ˜ ·Ó·ıˆڋÛÂȘ ·Ó¿ ‰ÈÂÙ›· ‚¿ÛÂÈ ÏËıˆÚÈÛÌÔ‡ +1%
    ·Ó¿ ¤ÙÔ˜, ıˆÚÔ‡ÓÙ·È ˆ˜ ÂÏ΢ÛÙÈΤ˜.
    ã∂¯ÔÓÙ·˜ ˘fi„Ë Î·È ÙËÓ ÂÏ¿¯ÈÛÙË ·Ó·ÌÂÓfiÌÂÓË (ÁÂÓÈ΋) ·‡ÍËÛË Ù˘ ÎÂÊ·Ï·ÈÔ˘¯È΋˜
    ·Í›·˜ Ù¿Í˘ ÙÔ˘ 5%-7% ÙÔÓ ¯ÚfiÓÔ, Ë Û˘ÓÔÏÈ΋ ·fi‰ÔÛË Ù˘ Â¤Ó‰˘Û˘ ÛÂ
    ·Î›ÓËÙ· ÂÓÔÈΛԢ Â›Ó·È Ù˘ Ù¿Í˘ ÙÔ˘ 10%-12% ÙÔÓ ¯ÚfiÓÔ. ∆Ô ÔÛÔÛÙfi ·˘Ùfi
    Â›Ó·È Ôχ ÈηÓÔÔÈËÙÈÎfi (¿ÓÙÔÙ Û ۯ¤ÛË Ì ÙÔÓ ÙfiÎÔ Î·Ù¿ıÂÛ˘), ¤¯ÔÓÙ·˜
    ˘fi„Ë ÙÔ Ú›ÛÎÔ Î·È ÙËÓ ÛÙ·ıÂÚfiÙËÙ· ÙÔ˘ ÂÈÛÔ‰‹Ì·ÙÔ˜/‚‚·ÈfiÙËÙ· Ù˘·‡ÍËÛ˘ Ù˘
    ÎÂÊ·Ï·ÈÔ˘¯È΋˜ ·Í›·˜ ÛÙËÓ ∫‡ÚÔ (Û ·ÓÙ›ıÂÛË Ì ÙȘ ÈÔ ·ÓÂÙ˘Á̤Ó˜
    ·ÁÔÚ¤˜ ·ÎÈÓ‹ÙˆÓ ÙÔ˘ Â͈ÙÂÚÈÎÔ‡ Ì ٷ ¤ÓÙÔÓ· ÛηÌ·Ó‚¿ÛÌ·Ù· Ù˘
    ·ÁÔÚ¿˜). ∞ÛÊ·ÏÒ˜ ÙÔ ·ÈÙÔ‡ÌÂÓÔ Â›Â‰Ô ·fi‰ÔÛ˘ ¤¯ÂÈ Û¯¤ÛË Î·È Ì ÙÔ Â›‰Ô
    Ù˘ Â¤Ó‰˘Û˘. ã√ÛÔ ÈÔ „ËÏfi Â›Ó·È ÙÔ ‡„Ô˜ Ù˘ Â¤Ó‰˘Û˘, ÙfiÛÔ ÈÔ „ËÏfi
    Â›Ó·È Î·È ÙÔ ·Ó·ÌÂÓfiÌÂÓÔ Â›Â‰Ô Ù˘ ·fi‰ÔÛ˘ (yield) ·fi ÙÔ˘˜ ÂÂÓ‰˘Ù¤˜.
    ã∂ÙÛÈ Û ÚfiÛÊ·ÙË ÚfiÙ·ÛË ·ÁÔÚ¿˜ ÂÓfi˜ ÂÌÔÚÈÎÔ‡ ΤÓÙÚÔ˘ ÛÙËÓ ∫‡ÚÔ ·fi
    ͤÓÔ ÂÂÓ‰˘ÙÈÎfi Ù·Ì›Ô, Ë ·Ó·ÌÂÓfiÌÂÓË ·fi‰ÔÛË ·fi ÙÔÓ ÚÔÙÈı¤ÌÂÓÔ
    ·ÁÔÚ·ÛÙ‹ ‹ÙÔ 8%, Û ·ÓÙ›ıÂÛË Ì ÙËÓ ˘¿Ú¯Ô˘Û· ·fi‰ÔÛË ÙÔ˘ 6% (¤ÛÙˆ ÌÂ
    ·˘Í‹ÛÂȘ Î·È ÛÔ‚·ÚÔ‡˜ ÂÓÔÈÎÈ·ÛÙ¤˜ Ì·ÎÚÔ¯ÚfiÓÈ·˜ ÌÔÚÊ‹˜) ‰ÈfiÙÈ ÙÔ ‡„Ô˜ Ù˘
    ·ÁÔÚ¿˜ ‹ÙÔ ¤Ú·Ó ÙˆÓ í50 ÂÎ. ™·˜ ·Ú·ı¤ÙÔ˘Ì ÙÔÓ ·ÎfiÏÔ˘ıÔ ÁÂÓÈÎfi
    ›Ó·Î· ·Ô‰fiÛˆÓ:
    28
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 29

    ∞¶√¢√™∏ (∂¶π¶∂¢∞ ∂¡√π∫π√À) ™∂ ™Ã∂™∏


    ª∂ ∆∏¡ ∞•π∞ ∆√À À¶√™∆∞∆π∫√À
    2006 2007
    °Ú·Ê›· (High Tech) 6%-7% 5.0%-6.0%
    ¢È·ÌÂÚ›ÛÌ·Ù· 3.5%-4.5% 3.0%-4.0%
    ∫·ÙÔÈ˘ 4.0%-5.0% 3.5%-4.5%
    ∂ÚÁÔÛÙ¿ÛÈ·/∞Ôı‹Î˜ 4.5%-5.5% 4.0%-5.0%
    •ÂÓԉԯ›·
    ∂°∫§∏ª∞∆π∫√∆∏∆∞ (+-)5%
    / √ç∏ƒπ∞ & ∆πª∂™ ∞∫π¡∏∆ø¡ 3%
    ∫·Ù·ÛÙ‹Ì·Ù· 7%-9% 7%-8%

    ™ÙÔ ı¤Ì· Ù˘ ·Ó·ÌÂÓfiÌÂÓ˘ ÁÂÓÈ΋˜ ·‡ÍËÛ˘ Ù˘ ÎÂÊ·Ï·ÈÔ˘¯È΋˜ ·Í›·˜ Ù˘
    Â¤Ó‰˘Û˘, Û ÁÂÓÈΤ˜ ÁÚ·Ì̤˜ ·ÚÔ˘ÛÈ¿˙ÔÓÙ·È Ù· ·ÎfiÏÔ˘ı· ÔÛÔÛÙ¿
    ‰È·ÊÔÚÔÔ›ËÛ˘ ÁÈ· ÙÔ ¤ÙÔ˜ 2007 Û ۯ¤ÛË Ì ÙÔ ¤ÙÔ˜ 2005 Î·È Ù·
    ·Ó·ÌÂÓfiÌÂÓ· ÔÛÔÛÙ¿ ÁÈ· ÙÔ ¤ÙÔ˜ 2008.

    µ∞™∏ 1/1/2006 31/12/06* 31/12/07* 31/12/08


    √ÈÎfi‰· 100 +7% +15% +15%
    ¢È·ÌÂÚ›ÛÌ·Ù· 100 +8% +12% +10%
    ∫·ÙÔÈ˘ 100 +5% +15% +10%
    °Ú·Ê›· 100 +-0% +15% +15%
    ∫·Ù·ÛÙ‹Ì·Ù· 100 +-0% +10% +10%
    ∂ÚÁÔÛÙ¿ÛÈ·/∞Ôı‹Î˜ 100 +5% +10% +12%
    •ÂÓԉԯ›· 100 -5% -8%** ãπ‰ÈÔ
    ÈڿÊÈ· ·Ó·Ù˘Íȷο 100 +10% +20% +25%
    ÈڿÊÈ· ÁˆÚÁÈο 100 +-5% +25% +25%
    ∂ÍÔ¯Èο*** 100 +10% +12% +10%

    * ∞‡ÍËÛË Â› ÙÔ˘ ÚÔËÁÔ‡ÌÂÓÔ˘ ¤ÙÔ˘˜


    ** ∂Í·ÈÚÔ˘Ì¤ÓˆÓ ÙˆÓ ÂÚÈÙÒÛÂˆÓ Ù˘ ·fiÛ˘ÚÛ˘ ÙÔ˘ÚÈÛÙÈÎÒÓ ÎÏÈÓÒÓ.
    *** ∂ÎÙfi˜ ÂÎÂ›ÓˆÓ Â› Ù˘ ·Ú·Ï›·˜

    √È ÚԂϤ„ÂȘ Ì·˜ ÁÈ· ÈÔ ÂÍÂȉÈÎÂ˘Ì¤Ó˜ ηÙËÁÔڛ˜ ÁÈ· ÙÔ ¤ÙÔ˜ 2008


    ·Ó·Ì¤ÓÔÓÙ·È Ó· Â›Ó·È ÔÈ ·ÎfiÏÔ˘ı˜:

    ªÂÙ·¯ÂÈÚÈṲ̂ӷ ¢È·ÌÂÚ›ÛÌ·Ù· +15%


    √ÈÎfi‰· ÂÎÙfi˜ fiÏÂˆÓ +20%
    °Ú·Ê›· ÛÙËÓ §Â˘ÎˆÛ›· +20%
    ¶·Ú·Ïȷο ÎÙ‹Ì·Ù· +25%
    ¶ÏËÛ›ÔÓ ·Ú·Ï›·˜ ÎÙ‹Ì·Ù· +30%
    æËÏÔ‡ ÎfiÛÙÔ˘˜ ηÙÔÈ˘ +5%
    ª¤ÛÔ˘ ÎfiÛÙÔ˘˜ ηÙÔÈ˘ +10%

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    29
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 30

    ∫ƒπ∆∏ƒπ∞ ∞°√ƒ∞™ ™∆∂°∏™


    ∏ ÈÔ Î¿Ùˆ ÛÙ·ÙÈÛÙÈ΋, fiˆ˜ ¤¯ÂÈ ‰È·ÌÔÚʈı› ηÙfiÈÓ ¤Ú¢ӷ˜ ÛÙÔ ∏.µ.,
    Â›Ó·È ÂÓ‰ÂÈÎÙÈ΋ ˆ˜ ·Ú·ı¤ÙÔ˘Ó ÔÈ ·ÁÔÚ·ÛÙ¤˜ ÙȘ ÚÔÙÂÚ·ÈfiÙËÙ˜ ÙÔ˘˜ ÁÈ·
    ·ÁÔÚ¿ ÛÙ¤Á˘.

    ∞fi 0-10 (ÙÔ ÈÔ ÛËÌ·ÓÙÈÎfi)


    ∆ÈÌ‹ : 8.5
    ∆ÔÔıÂÛ›· : 8.3
    ª¤ÁÂıÔ˜ : 7.5
    ™Ù¿ıÌ¢ÛË : 7.0
    ∫‹Ô˜ : 6.7
    ∫·Ù¿ÛÙ·ÛË/¶ÔÈfiÙËÙ· : 6.2
    ¶ÂÚÈ‚¿ÏÏÔÓ : 6.3
    ∂ÓÂÚÁÂȷ΋ √ÈÎÔÓÔÌ›· : 4.2
    ∏ÏÈΛ· ∫ÙÈÚ›Ô˘ : 4.5

    ∞°√ƒ∞ ∏ ∂¡√π∫π∞™∏;
    ∆Ô ·ÈÒÓÈÔ ÂÚÒÙËÌ· ÛÙÔ Î·Ù¿ fiÛÔ Û˘ÌʤÚÂÈ Ó· ·ÁÔÚ¿ÛÂÈ ¤Ó·˜ ÂÂÓ‰˘Ù‹˜
    ¤Ó· ·Î›ÓËÙÔ, ·Ú¿ Ó· ÙÔ ÂÓÔÈÎÈ¿˙ÂÈ, ‰ÂÓ Â›Ó·È Â‡ÎÔÏÔ Ó· ··ÓÙËı›. ∏
    ·¿ÓÙËÛË ÂÍ·ÚÙ¿Ù·È ·fi ÔÏÏÔ‡˜ ·Ú¿ÁÔÓÙ˜, fiˆ˜ ÔÈ È‰È·ÈÙÂÚfiÙËÙ˜ ÁÈ·
    ÊÔÚÔÏÔÁÈΤ˜ ÂÎÙÒÛÂȘ, Ô˘ ‰˘Ó·ÙfiÓ Ó· ‰È·Ê¤ÚÔ˘Ó ·fi ¿ÙÔÌÔ Û ¿ÙÔÌÔ Î·È
    ·fi ÂÙ·ÈÚ›· Û ÂÙ·ÈÚ›·, ÂÓÒ ÔÈ ÏfiÁÔÈ ÂÈÏÔÁ‹˜ Ó· ‰È·ÊÔÚÔÔÈÔ‡ÓÙ·È Î·Ù¿
    ηÈÚÔ‡˜, ·Ó·ÙÚ¤ÔÓÙ·˜ ÙËÓ ·Ú¯È΋ ηı’ fiÏ· ÔÚı‹ ·fiÊ·ÛË.

    ™Â ·Ï¿ ı¤Ì·Ù·, fiˆ˜ .¯. ‰È·ÌÂÚ›ÛÌ·Ù·, Ë ÙÈÌ‹ ·ÁÔÚ¿˜ ÂÓfi˜ ‰È·ÌÂÚ›ÛÌ·ÙÔ˜


    ÙˆÓ 2 ˘ÓÔ‰ˆÌ·Ù›ˆÓ, ¤ÛÙˆ, Á‡Úˆ ÛÙ˜ í110.000, ϤÔÓ ÌÂÙ·‚È‚·ÛÙÈο,
    º.¶.∞. ÎÏ = Û˘ÓÔÏÈÎfi ÔÛfi í130.000. ∆Ô ÂÓÔ›ÎÈÔ Ô˘ ı· ÏËÚÒÓÂÙÔ ÁÈ·
    Ù¤ÙÔÈÔ ‰È·Ì¤ÚÈÛÌ· Â›Ó·È Á‡Úˆ ÛÙȘ í350/Ì‹Ó· Î·È Ë ·fi‰ÔÛË Â› Ù˘ Â¤Ó‰˘Û˘
    Â›Ó·È +-2.70%. ∞fi ÙÔ ÔÛÔÛÙfi ·˘Ùfi, Â¿Ó ·Ê·ÈÚÂıÔ‡Ó ÔÈ ÎÙËÌ·ÙÈÎÔ› ÊfiÚÔÈ,
    ÙȘ ÎÂÓ¤˜ ÂÚÈfi‰Ô˘˜, ÂȉÈÔÚıÒÛÂȘ Î·È Èı·Ó‹ ÌË ÏËڈ̋ ÂÓÔÈΛԢ ·fi ÙÔÓ
    ¤ÓÔÈÎÔ, ÌÂÈÒÓÂÙ·È Û Â›‰· +-2.5%. ∞fi ÙËÓ ¿ÏÏË, Â¿Ó ÏËÊı› ˘fi„Ë ÌÈ·
    ̤ÛË ·‡ÍËÛË ÙˆÓ ÙÈÌÒÓ ÒÏËÛ˘ Ù¤ÙÔÈˆÓ ÌÔÓ¿‰ˆÓ Ù˘ Ù¿Í˘ ÙÔ˘ 6%-10%
    (·fi ÙÒÚ· Î·È ÛÙÔ Ì¤ÏÏÔÓ) ÙÔÓ ¯ÚfiÓÔ, Ë Û˘ÓÔÏÈ΋ ·fi‰ÔÛË Â› Ù˘
    Â¤Ó‰˘Û˘ Â›Ó·È Á‡Úˆ ÛÙÔ +-8%-9%, ÔÛÔÛÙfi ÈηÓÔÔÈËÙÈÎfi Ì ٷ ÛËÌÂÚÈÓ¿
    ‰Â‰Ô̤ӷ. ø˜ ÂÎ ÙÔ‡ÙÔ˘, Ë ·ÁÔÚ¿ ÙÔ˘ ‰È·ÌÂÚ›ÛÌ·ÙÔ˜ Û˘ÌʤÚÂÈ. ∆·˘Ùfi¯ÚÔÓ·,
    ı· Ú¤ÂÈ Ó· ÏËÊı› ˘fi„Ë fiÙÈ Û ÂÚ›ÙˆÛË ‰È¿ıÂÛ˘ ÂÓfi˜ ÎÙ‹Ì·ÙÔ˜,
    ˘¿Ú¯ÂÈ Ë ÂÈ‚¿Ú˘ÓÛË Ì ¤ÍÔ‰· ÒÏËÛ˘ (.¯. ÌÂÛÈÙÈο/‰È·ÊËÌ›ÛÂȘ) ηÈ
    ÊÔÚÔÏÔÁ›· (20% Â› ÙÔ˘ ΤډԢ˜). ø˜ ÂÎ ÙÔ‡ÙÔ˘ Ë ¯ÚÔÓÈ·›· ·‡ÍËÛË ÙÔ˘ 6%-10%
    (¤ÛÙˆ Â·‡ÍËÛË Û 5 ¯ÚfiÓÈ·) Ó· ÌËÓ Â›Ó·È Â› ¯ÚÔÓÈ·›·˜ ‚¿Û˘ +-6%-10%,
    ·ÏÏ¿ Á‡Úˆ ÛÙÔ 5%-8%.

    30
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    ™ÙÔ ı¤Ì· fï˜ Ù˘ Â·ÁÁÂÏÌ·ÙÈ΋˜ ÛÙ¤Á˘ (ηٷÛÙ‹Ì·Ù·/ÁÚ·Ê›·/·Ôı‹Î˜


    ÎÏ) ÙÔ ı¤Ì· Â›Ó·È ‰È·ÊÔÚÂÙÈÎfi. ∂Λ Ô ÂÓÔÈÎÈ·ÛÙ‹˜ ı· Ú¤ÂÈ Ó· ·Ó·ÏÔÁÈÛÙ›
    ÏfiÁˆ Ù˘ Â¤Ó‰˘Û˘, ÙËÓ ‰¤ÛÌ¢ÛË ÙˆÓ ¯ÚËÌ¿ÙˆÓ ÙÔ˘ Û ·ÁÔÚ¿ ·ÎÈÓ‹ÙÔ˘,
    ·Ú¿ ÙËÓ ¯Ú‹ÛË ÙÔ˘˜ ÛÙȘ ÂȯÂÈÚ‹ÛÂȘ ÙÔ˘. °ÓˆÛÙfi˜ ȉÈÔÎÙ‹Ù˘ ÔÏ˘Î·Ù·ÛÙËÌ¿ÙˆÓ,
    Ì·˜ ‰‹ÏˆÛÂ: "….. ÂÁÒ ‰ÂÓ ı¤Ïˆ Ó· ¤¯ˆ ȉÈfiÎÙËÙ· ·Î›ÓËÙ·, ‰ÈfiÙÈ Â¿Ó
    ÌÔÚÔ‡Û· Ó· Ù· ˆÏÔ‡Û· Î·È Ó· ·Ú·Ì›ӈ ̤۷ ˆ˜ ÂÓÔÈÎÈ·ÛÙ‹˜, ı·
    ÂÈÛ¤Ú·ÙÙ· ÂηÙÔÌ̇ÚÈ· ϛژ, ÔÈ Ôԛ˜ Î·È ı· ÌÔ˘ ·¤ÊÂÚ·Ó ÔÏÏ·Ï¿ÛÈ·
    ·fi ÙȘ ÂÌÔÚÈΤ˜ ÌÔ˘ ‰Ú·ÛÙËÚÈfiÙËÙ˜ ….". ∞˘Ù‹ Ë ·ÓÙ›ÏË„Ë (sale and lease
    back - ‰ËÏ·‰‹ ԇϷ Î·È ÂÓÔÈΛ·Û ›Ûˆ) Â›Ó·È Û˘ÓËıÈṲ̂ÓÔ Ê·ÈÓfiÌÂÓÔ ÛÙÔ
    Â͈ÙÂÚÈÎfi. ™ÙËÓ ∫‡ÚÔ fï˜ ·ÚÔ˘ÛÈ¿˙ÔÓÙ·È ‰‡Ô ·ÚÈ· ÚÔ‚Ï‹Ì·Ù·.
    ¶ÚÒÙÔ, Ô ÂȯÂÈÚËÌ·Ù›·˜ ‰ÂÓ ‚Ú›ÛÎÂÈ ¿ÓÙÔÙ ÂΛÓÔ Ô˘ ı¤ÏÂÈ Ó· ÂÓÔÈÎÈ¿ÛÂÈ
    Î·È ·Ó·Áο˙ÂÙ·È Ó· ÙÔ ·ÓÂÁ›ÚÂÈ Ô ›‰ÈÔ˜ (·ÛÊ·ÏÒ˜ ÌÈ· ηϋ ÂÓ·ÏÏ·ÎÙÈ΋ χÛË
    Â›Ó·È Ù· µ.√.∆. - ¤ÚÁ· Ô˘ ˘ÈÔıÂÙ› ÙÔ ∫Ú¿ÙÔ˜) Î·È ÙÔ ‰Â‡ÙÂÚÔ, fiÙÈ ¯ÚËÛÈÌÔÔÈ› ÙÔ
    ·Î›ÓËÙÔ ˆ˜ ¯¤ÁÁ˘Ô ÁÈ· ‰¿ÓÂÈÔ ÁÈ· ÙËÓ Âȯ›ÚËÛË. ∂Âȉ‹ ÛÙËÓ ∫‡ÚÔ Â›Ó·È
    Ôχ Ï›Á˜ ÔÈ ÂȯÂÈÚ‹ÛÂȘ Ô˘ ÌÔÚÔ‡Ó ÔÈ ¯ÚËÌ·ÙÔ‰fiÙ˜ Ó· ‚·ÛÈÛıÔ‡Ó
    ‚¿ÛÂÈ ÙˆÓ ÂÏÂÁÌ¤ÓˆÓ ÏÔÁ·ÚÈ·ÛÌÒÓ, Ù¤ÙÔȘ ÂȯÂÈÚ‹ÛÂȘ Ô˘ ‰ÂÓ ¤¯Ô˘Ó ‰Èο
    ÙÔ˘˜ ·Î›ÓËÙ· ÚÔ˜ ˘Ôı‹Î¢ÛË, Èı·ÓÒ˜ Ó· ¤¯Ô˘Ó Î·È Úfi‚ÏËÌ· ‰·ÓÂÈÛÌÔ‡.
    ∂›Û˘, Û fiÙÈ ·ÊÔÚ¿ ÂȯÂÈÚ‹ÛÂȘ ÛÙËÓ ∫‡ÚÔ, Â›Ó·È Û‡ÓËı˜ Ê·ÈÓfiÌÂÓÔ ÌÈ·
    Âȯ›ÚËÛË Ó· ÂÂÎÙ·ı› ÛÙÔ Ì¤ÏÏÔÓ Î·È ¤ÙÛÈ Ë ·ÁÔÚ¿ Û ¤Ó· .¯. ÁÚ·Ê›Ô,
    ı· ‰˘ÛÎÔϤ„ÂÈ ÙËÓ ÌÂÏÏÔÓÙÈ΋ ÙÔ˘ Â¤ÎÙ·ÛË, ‰ÈfiÙÈ Ô ·ÁÔÚ·ÛÙ‹˜ ı· ›ӷÈ
    ·Ó·ÁηṲ̂ÓÔ˜, ›Ù ӷ ÏËÚÒÛÂÈ ÙÔÓ Á›ÙÔÓ· ÁÈ· ·ÁÔÚ¿ (Ì ÈÔ „ËÏfi ÎfiÛÙÔ˜)
    ›Ù ӷ ˆÏ‹ÛÂÈ ÙÔ ÁÚ·ÊÂ›Ô ·˘Ùfi Î·È Ó· ·ÁÔÚ¿ÛÂÈ Î¿ÙÈ ÌÂÁ·Ï‡ÙÂÚÔ (·ÏÏ¿ ÌÂ
    ¿ÌÔÏÏ· ı¤Ì·Ù· Ô˘ Û˘Ó‰¤ÔÓÙ·È Ì ÊÔÚÔÏÔÁ›Â˜ Î·È Ì ÙÔ ÎfiÛÙÔ˜ ÛÙȘ
    ÌÂÙ·ÎÈÓ‹ÛÂȘ).

    ∞Ó fï˜ Û˘ÁÎÚ›ÓÔ˘Ì ÙËÓ ·ÁÔÚ¿ ÂÓfi˜ ÌÔÓÙ¤ÚÓÔ˘ ÁÚ·Ê›Ԣ ÚÔ˜ ¤ÛÙˆ


    í1.500/Ù.Ì. Î·È ÙÔ ÂÓÔ›ÎÈÔ ÙÔ˘ ÚÔ˜ í6.0/Ù.Ì./Ì‹Ó·, Ë ·fi‰ÔÛË Â›Ó·È +-5%
    ÙÔÓ ¯ÚfiÓÔ. §·Ì‚¿ÓÔÓÙ·˜ ˘fi„Ë ÙȘ ÎÂÓ¤˜ ÂÚÈfi‰Ô˘˜ ÎÏ, Ë ·fi‰ÔÛË
    ÌÂÈÒÓÂÙ·È Û +4%. ¶Ï¤ÔÓ ÌÈ· ¯ÚÔÓÈ·›· ·‡ÍËÛË Ù˘ Ù¿Í˘ ÙÔ˘ 10%, Ë
    Û˘ÓÔÏÈ΋ ·fi‰ÔÛË Â›Ó·È Á‡Úˆ ÛÙ· +-14% ÙÔÓ ¯ÚfiÓÔ Î·È ¿ÏÈÓ ÈηÓÔÔÈËÙÈ΋
    ·fi‰ÔÛË Ô˘ Û˘ÓËÁÔÚ› ÛÙËÓ ·ÁÔÚ¿.

    ∞ÛÊ·ÏÒ˜ Ë Û˘ÓÔÏÈ΋ ·fi‰ÔÛË (ÂÓÔ›ÎÈÔ+˘ÂÚ·Í›·) ı· ‚ÔËı‹ÛÂÈ ÙËÓ Ù¿ÛË ÁÈ·


    ·ÁÔÚ¿ ·Ú¿ ÁÈ· ÂÓÔÈΛ·ÛË Î·È ı· ÌÂÈÒÛÂÈ ÙÔ˘˜ ·ÁÔÚ·ÛÙ¤˜ ÁÈ· ÂÓÔÈΛ·ÛË.
    ¶·ÚfiÏÔ ÙÔ‡ÙÔ˘ ‰ÂÓ ÌÔÚ› ηӤӷ˜ Ó· Â›Ó·È ·fiÏ˘ÙÔ˜ ÁÈ· ÔȘ ·fi ÙȘ ‰‡Ô
    ÂÈÏÔÁ¤˜ Ó· ÂÈϤÍÂÈ, ÚfiÛıÂÙ·, ·ÛÊ·ÏÒ˜, ÙÔ˘ ÚÔÛˆÈÎÔ‡ ·ÈÛı‹Ì·ÙÔ˜ "Ó·
    ¤¯ÂȘ οÙÈ ‰ÈÎfi ÛÔ˘".

    "∫À¶ƒπ∞∫∂™ "∂¶∂¡¢À™∂π™/ ∂∫∆√™ ∫À¶ƒ√À


    ¢ÂÓ ·ÔÙÂÏ› ·ÓÙÈΛÌÂÓÔ Ù˘ ·ÚÔ‡Û˘ ÌÂϤÙ˘ ÙÔ ÎÂÊ¿Ï·ÈÔ ·˘Ùfi, ·ÏÏ¿ ›ӷÈ
    ‰Â‰Ô̤ÓÔ fiÙÈ ˘¿Ú¯ÂÈ ÌÈ· Ù¿ÛË ÁÈ· ÂÂÓ‰‡ÛÂȘ Û ·Î›ÓËÙ· ÂÎÙfi˜ ∫‡ÚÔ˘. ∞fi
    ÙÔ ·Ú·‰ÔÛÈ·Îfi §ÔÓ‰›ÓÔ, Ô ∫‡ÚÈÔ˜ ÂÂÓ‰˘Ù‹˜ ÌÂÙ·ÎÈÓ‹ıËΠ۠οÔÈÔ

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    31
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 32

    ‚·ıÌfi Û ‰È·ÌÂÚ›ÛÌ·Ù· ÛÙËÓ ∞ı‹Ó· (Â›Ó·È Ì¿ÏÏÔÓ Ù˘ Ìfi‰·˜) Î·È ÙÒÚ· ÛÙË
    µÔ˘ÏÁ·Ú›· Î·È ƒÔ˘Ì·Ó›· (ÔÈÎfi‰·/ÁË/·Ï·È¿ ÎÙ›ÚÈ· ÚÔ˜ ·Ó·Î·-Ù·Û΢‹).
    ™›ÁÔ˘Ú· ÔÈ ÙÂÏÂ˘Ù·›Â˜ ‰‡Ô ¯ÒÚ˜ ¤‰ÂÈÍ·Ó ÌÈ· οıÂÙË ·‡ÍËÛË ÛÙπ˜ ÙÈ̤˜, ÂÓÒ
    Ë ¤ÓÙ·ÍË ÙÔ˘˜ ÛÙËÓ ∂˘Úˆ·˚΋ ã∂ÓˆÛË (1/2007) Î·È Ë Î·Ù’ Â¤ÎÙ·ÛË
    ÂÍ·ÛÊ¿ÏÈÛË ÙˆÓ ÂÂÓ‰‡ÛÂˆÓ ÚÔÛı¤ÙÂÈ ÛÙËÓ fiÏË ÂÏ΢ÛÙÈÎfiÙËÙ·. ∆· ÔÛÔÛÙ¿
    Ù˘ ·fi‰ÔÛ˘ ÛÙ˜ ¯ÒÚ˜ ·˘Ù¤˜ ÙÔ˘ ÚÒËÓ ∞Ó·ÙÔÏÈÎÔ‡ ™˘Ó·ÛÈÛÌÔ‡, Â›Ó·È ÙÒÚ·
    Ù˘ Ù¿Í˘ ÙÔ˘ 20%-30% ÙÔÓ ¯ÚfiÓÔ ÛÙË ƒÔ˘Ì·Ó›· Î·È 30%-50% ÛÙË µÔ˘ÏÁ·Ú›·.
    ™›ÁÔ˘Ú·, fï˜, ¯ÚÂÈ¿˙ÂÙ·È Ë ··ÈÙÔ‡ÌÂÓË ·˘ÍË̤ÓË ÂÁÚ‹ÁÔÚÛË, Ë ÔÔ›· ı·
    Ú¤ÂÈ Ó· ıˆÚÂ›Ù·È ‰Â‰Ô̤ÓË, ‰ÈfiÙÈ "ÏËÚÔÊÔÚÔ‡ÌÂı·" Â‰Ò ÛÙËÓ ∫‡ÚÔ ÙȘ
    ‰È¿ÊÔÚ˜ ÈÛÙÔڛ˜ ÂÈÙ˘¯›·˜ ¯ˆÚ›˜ Î·Ó ÌÈ· ÂÚ›ÙˆÛË ·ÔÙ˘¯›·˜. À¿Ú¯Ô˘Ó
    Î·È ¿ÌÔÏϘ ·ÔÙ˘¯›Â˜, ÎÔÌ›Ó˜ Î·È Ï¿ıË Û ٛÙÏÔ˘˜, Ë ÂÎÙÂٷ̤ÓË
    ‰È·ÊıÔÚ¿ Î·È Ë ‡·ÚÍË Ù˘ "Ì·Ê›·˜" ÛÙË µÔ˘ÏÁ·Ú›·, ÂÓÒ Ë "·Î·Ù·ÓfiËÙË
    ηٿÛÙ·ÛË Ù˘ ȉÈÔÎÙËÛ›·˜" (›‰Â Sunday Times) ‰ÂÓ Ú¤ÂÈ Ó· ·ÁÓÔËı›.
    ∂Ó ¿ÛÂÈ fï˜ ÂÚÈÙÒÛÂÈ, Ë Ù¿ÛË ·˘Ù‹ ÙˆÓ Í¤ÓˆÓ ÂÂÓ‰‡ÛÂˆÓ ‰ÂÓ
    ÂËÚ¿˙ÂÈ Î·È Ô‡Ù ·Ó·Ì¤ÓÂÙ·È Ó· ÂËÚ¿ÛÂÈ ÙȘ ∫˘ÚȷΤ˜ ÂÂÓ‰‡ÛÂȘ ÛÂ
    ÌÂÁ¿ÏÔ ‚·ıÌfi, ‰ÈfiÙÈ ·ÔÙÂÏÔ‡Ó Ôχ ÌÈÎÚfi ÔÛÔÛÙfi ÙˆÓ ‰Ú·ÛÙËÚÈÔًوÓ
    ÙˆÓ ∫‡ÚÈˆÓ ÂÂÓ‰˘ÙÒÓ.

    ∂¶π∫ƒ∞∆√À™∂™ ∆πª∂™ 2005+2006+2007


    ™·˜ ·Ú·ı¤ÙÔ˘Ì ÙȘ ÈÔ Î¿Ùˆ ÂÓ‰ÂÈÎÙÈΤ˜ ÙÈ̤˜ ·Ó¿ ÂÚÈÔ¯‹ Ô˘ Û›ÁÔ˘Ú·
    ‰›‰ÔÓÙ·È ˆ˜ Ù¤ÙÔȘ. À¿Ú¯Ô˘Ó ÌÂÁ¿Ï˜ ‰È·ÊÔÚÔÔÈ‹ÛÂȘ ÌÂٷ͇
    ηÈÓÔ‡ÚÁÈˆÓ Î·È ·ÏÈÒÓ ÌÔÓ¿‰ˆÓ, ‰È·ÊÔÚÔÔÈ‹ÛÂȘ ·Ó¿ÏÔÁ· Ù˘
    ÙÔÔıÂÛ›·˜, Ù˘ËÏÂÎÙÚÔÌ˯·ÓÔÏÔÁÈ΋˜ ÔÈfiÙËÙ·˜, ÙÔ˘ ÌÂÁ¤ıÔ˘˜ ηÈ
    ÔÈfiÙËÙ·˜ ηٷÛ΢‹˜ Ù˘ ÔÈÎÔ‰ÔÌ‹˜, Ù˘ ‡·Ú͢ ‹ ÌË Ù›ÙÏÔ˘, Ù˘ ÔÈfiÙËÙ·˜
    ÙÔ˘ ¿ÌÂÛÔ˘ ÂÚÈ‚¿ÏÏÔÓÙÔ˜ ÎÏ.

    ¡· ÛËÌÂȈı› Â‰Ò fiÙÈ ÔÈ ÈÔ Î¿Ùˆ ÙÈ̤˜ ·Ó·Ê¤ÚÔÓÙ·È Û ηÈÓÔ‡ÚÁȘ ÌÔÓ¿‰Â˜


    (ηÙÔÈ˘/‰È·ÌÂÚ›ÛÌ·Ù·). °È· ·Ï·ÈfiÙÂÚ˜ ÌÔÓ¿‰Â˜ ˘¿Ú¯ÂÈ ÌÈ· Ì›ˆÛË Ù˘
    Ù¿Í˘ ÙÔ˘ 15%-25% ÂÍ·ÚÙÒÌÂÓÔ ·fi ÙËÓ ËÏÈΛ·, ηٿÛÙ·ÛË Î·È ÙÔÔıÂÛ›· ÙÔ˘
    ·ÎÈÓ‹ÙÔ˘. ∂›Ó·È fï˜ ‰Â‰Ô̤ÓÔ (ÂÎÙfi˜ ·fi ÔÚÈṲ̂Ó˜ ÂÍ·ÈÚ¤ÛÂȘ) fiÙÈ
    "ÌÂÙ·¯ÂÈÚÈṲ̂Ó˜" ÌÔÓ¿‰Â˜ ¤¯Ô˘Ó ÌÈ· ÌÂȈ̤ÓË ·Í›· Ì ÂΛӘ ÙˆÓ
    ηÈÓÔ‡ÚÁÈˆÓ ÌÔÓ¿‰ˆÓ. ∏ ‰È·ÊÔÚ¿ ·˘Ù‹ ÛÙ˜ ÙÈ̤˜ ‚Ú›ÛÎÂÙ·È ˘fi Ù¿ÛË
    ÛÌ›ÎÚ˘ÓÛ˘ (Î·È ÏfiÁˆ ·ÏÏ·Á‹˜ ÓÔÔÙÚÔ›·˜ Î·È ÏfiÁˆ ÙˆÓ Ôχ ÈÔ „ËÏÒÓ
    ÙÈÌÒÓ Î·È ·Ó˘·ÚÍ›·˜ Ù›ÙÏˆÓ ÁÈ· ηÈÓÔ‡ÚÁȘ ÌÔÓ¿‰Â˜).

    ™ÙÔ ı¤Ì· ηÈÓÔ‡ÚÁÈ·˜ Î·È ·Ï·È¿˜ ÌÔÓ¿‰·˜, Û Ôχ ÁÂÓÈΤ˜ ÁÚ·Ì̤˜ Û·˜
    ·Ú·ı¤ÙÔ˘Ì ٷ ÈÔ Î¿Ùˆ:

    32
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 33

    ∫∞π¡√Àƒ°π√ ¶∞§∞π√/ª∂∆∞Ã∂πƒπ™ªŒ¡√
    ¢È·Ì¤ÚÈÛÌ· -25%-30%
    ∫·ÙÔÈΛ· -15%-25%
    ∂ÍÔ¯ÈÎfi -15%-20%
    °Ú·Ê›· -10%-15%
    ∫·Ù·ÛÙ‹Ì·Ù· -5%
    •ÂÓԉԯ›· -15%
    ∂ÚÁÔÛÙ¿ÛÈ· -5%-10%

    §∂À∫ø™π∞

    √π∫√¶∂¢∞ 2005 ∆πª∏ í/∆.ª. 2006 ∆πª∏ í/∆.ª. 2007 ∆πª∏ í/∆.ª.

    ∫¤ÓÙÚÔ 650-1000 800-1300 1000-1500


    ∞ÎÚfiÔÏË/ÛÏÙÔÓ 430-480 480-600 600-650
    ¢·ÛÔ‡ÔÏË 360-390 430-450 490-515
    ™ÙÚfi‚ÔÏÔ˜ 320-330 330-380 380-400
    ∞ÁÏ·ÓÙ˙È¿ 190-200 230-320 380-410
    §·ÙÛÈ¿ 135-160 180-210 290-310
    ƒπ∫ 360-380 450-480 550-650
    °.™.¶. 245-270 250-270 350-400
    ∞Ú¯¿ÁÁÂÏÔ˜ 190-210 270-300 310-320
    ã∂ÁΈÌË 270-280 380-430 450-485
    ª·Î‰ÔÓ›ÙÈÛÛ· 160-200 240-280 300-330
    ¡‹ÛÔ˘ 85-90 95-110 180-190
    ¢¿ÏÈ 85-90 95-110 180-190
    ∞Á›· µ·Ú‚¿Ú· --- 90-110 130-140
    ∏ÏÈÔ‡ÔÏË 125-130 165-185 300-315
    ∆Û¤ÚÈ 85-90 100-110 250-300
    °¤ÚÈ 90-95 115-130 250-300
    æËÌÔÏfiÊÔ˘ 85-90 110-115 180-200
    §·Î·Ù¿ÌÈ· 215-220 290-310 300-315
    ¢Â˘ÙÂÚ¿ 100-100 115-125 250-270
    ∞ÓıÔ‡ÔÏË 130-135 160-170 290-310
    ã∞ÁÈÔ˜ ¢Ô̤ÙÈÔ˜ ---- 160-200 350-400
    ∫·˚Ì·ÎÏ› ---- 150-170 300-320
    ã∞ÁÈÔ˜ ¶·‡ÏÔ˜ ---- 160-200 350-400
    ã∞ÁÈÔ˜ ∞Ó‰Ú¤·˜ ---- 430-480 500-520
    ¶·ÏÏÔ˘ÚÈÒÙÈÛÛ· ---- 250-300 300-340
    ¶·ÓÂÈÛÙ‹ÌÈÔ ---- 230-260 330-360
    ∫ÔÎÎÈÓÔÙÚÈÌÈıÈ¿ ---- 130-150 190-200
    ∂ÚÁ¿Ù˜ ---- 100-110 125-135
    ¶¤Ú· ---- 80-90 110-120

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    33
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 34

    ∫∞π¡√Àƒ°π∞
    ¢π∞ª∂ƒπ™ª∞∆∞ í/∆.ª.* ∫∞∆√π∫π∂™ í/∆.ª.*

    2005 2006 2007 2005 2006 2007


    ∫¤ÓÙÚÔ 1000 1200 1500 1200 1500 2.000
    ∞ÎÚfiÔÏË 950 1050 1.150 1200-1500 1500-1800 1.800-2.000
    ™ÙÚfi‚ÔÏÔ˜ 900 1000 1.100 900-1100 1300-1400 1.500-1.600
    §·Î·Ù¿ÌÈ· 850 950 1.050 700-900 1000-1100 1.150-1.200
    ã∂ÁΈÌË 850 1000 1.100 700-800 1000-1100 1.150-1.200
    ∞ÁÏ·ÓÙ˙È¿ 900 1000 1.100 700-800 1000-1100 1.150-1.200
    §·ÙÛÈ¿ 850 950 1.050 700-800 1000-1100 1.150-1.200
    °¤ÚÈ ------ 900 950 ---- 900 1.000-1.100

    * ∆· Ù.Ì. ÂÚÈÏ·Ì‚¿ÓÔ˘Ó Î·Ï˘Ì̤Ó˜ ‚ÂÚ¿ÓÙ˜ Î·È ·Ó·ÏÔÁ›· ÎÔÈÓÔ¯Ú‹ÛÙˆÓ


    ·Ó¿ fiÚÔÊÔ. ∆Ô º.¶.∞. ‰ÂÓ ÂÚÈÏ·Ì‚¿ÓÂÙ·È.

    °ƒ∞º∂π∞ (HIGH TECH) í/∆.ª. í/∆.ª. í/∆.ª.


    2005 2006 2007
    ∫¤ÓÙÚÔ 1200 1500 1800
    ∂ÎÙfi˜ 1200 1300 1500

    ∫∞∆∞™∆∏ª∞∆∞ í/∆.ª. í/∆.ª. í/∆.ª.


    2005 2006 2007
    ∫¤ÓÙÚÔ 4500-5000 4500-5000 4500-6000
    ¶ÂÚÈʤÚÂÈ· ∫¤ÓÙÚÔ˘ 2500-3000 3000-4000 ›‰ÈÔ
    ¶ÂÚÈʤÚÂÈ· 1500-2000 1500-2000 ›‰ÈÔ
    ¶ÂÚ›¯ˆÚ· 800 800-1000 ›‰ÈÔ

    ¶ÈÔ ·Ó·Ï˘ÙÈο ·Ú·ı¤ÙÔ˘Ì ٷ ·ÎfiÏÔ˘ı·: (›‰È· Â›‰· 2006+2007)

    §‹‰Ú· í2.500-í3.700/Ù.Ì. í15-í20 ÂÓÔ›ÎÈÔ Ù.Ì./Ì‹Ó·


    ª·Î·Ú›Ô˘ í4.500-í6.000/Ù.Ì. í30-í40/Ù.Ì.
    ™Ù·ÛÈÎÚ¿ÙÔ˘˜ í3.000-í3.500 í22-í25/Ù.Ì.
    °Ú. ¢ÈÁÂÓ‹ í2.000-í3.000 í15-í20
    ∂˘·ÁfiÚÔ˘ í2.000-í3.000 í15-í20
    ∫¤ÓÓÂÙ˘ í2.000-í2.500 í12-í15
    §ÂˆÊ. ¡›Î˘ í2.000-í2.500 í12-í15
    §ÂˆÊ. ∫ÂÚ‡ÓÂÈ·˜ í1.200-í1.500 í10-í12
    ∆ÛÂÚ›Ô˘ í1.000-í1.200 í7-í8
    ™Ù·Û›ÓÔ˘ í2.000-í2.500 í10-í15
    ∞ı·Ï¿ÛÛ˘ í2.800-í3.200 í12-í15

    34
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 35

    Ãøƒ∞ºπ∞ í/∆.ª. í/∆.ª. í/∆.ª.


    2005 2006 2007
    ¶ÂÚÈʤÚÂÈ· ÂÚÈÔ¯ÒÓ
    ·Ó¿Ù˘Í˘.
    °ÂˆÚÁÈο Ì οÔȘ
    ÚÔÔÙÈΤ˜ 35-40 35-45 55-75
    (ÙÔÈο Û¯¤‰È·)
    ∫·ı·Ú¿ ÁˆÚÁÈο 12-20 15-25 30-40
    µÈÔÌ˯·ÓÈο ÎÙ‹Ì·Ù· 40-115 50-150 90-300
    √ÈÎÈÛÙÈο ÎÙ‹Ì·Ù· 75-100 90-130 150-220
    ∂ÌÔÚÈο ÎÙ‹Ì·Ù· 150-200 200-250 300-400

    ∞¶√£∏∫∂™/
    ∂ƒ°√™∆∞™π∞ í/∆.ª. í/∆.ª. í/∆.ª.
    2005 2006 2007
    ¶ÏËÛ›ÔÓ §Â˘ÎˆÛ›·˜ 500-600 550-650 600-650
    ª·ÎÚÈÓ¤˜ ·ÔÛÙ¿ÛÂȘ
    (10 ¯ÏÌ.) 400-500 430-520 480-570

    §∂ª∂™√™
    √π∫√¶∂¢∞ ∆πª∏ í/∆.ª. ∆πª∏ í/∆.ª. ∆πª∏ í/∆.ª.
    2005 2006 2007
    ∫¤ÓÙÚÔ 250-300. 300-400 450-600
    ¡Â¿ÔÏȘ 180-230 250-350 400-600
    ª¤Û· °ÂÈÙÔÓÈ¿ 160-180 200-250 350-450
    ∞Á. ∞ı·Ó¿ÛÈÔ˜ 140-160 150-180 200-320
    ãÀ„ˆÓ·˜ 100-130 130-160 180-250
    °ÂÚÌ·ÛfiÁÂÈ· 200-250 250-350 350-450
    ∫ÔÏfiÛÛÈ 90-110 120-140 170-250
    ∞Á. º‡Ï· 130-150 130-160 200-300
    ¶ÔÏÂÌ›‰È· 130-150 150-180 200-300
    §Â˘ÎÔı¤· 140-160 180-220 250-350
    ¶·Óı¤· 170-200 180-220 200-400
    ¶·Ú·ÏÈ·Îfi ª¤ÙˆÔ
    (Ô‰fi˜ ∞Ú·Ô‡˙Ô˘) 1000 1200-1300 1.300-1.600
    ã∞ÁÈÔ˜ ∆‡¯ˆÓ·˜ ---- 120-220 200-350
    ¶‡ÚÁÔ˜ ---- 110-130 120-150
    ¶·ÚÂÎÏËÛÈ¿ ---- 110-150 120-150
    ªÔ˘ÙÙ·Áȿη ---- 110-150 150-250
    ∂οÏË ---- 180-250 250-450
    ∫ÔÏÔ‡ÌÈ· ---- 250-330 350-500
    ¶·Ï҉ȷ ---- 120-150 200-250
    ∑·Î¿ÎÈ ---- 190-200 220-300

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    35
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 36

    ¢π∞ª∂ƒπ™ª∞∆∞ í/∆.ª. ∫∞∆√π∫π∂™ í/∆.ª.


    2005 2006 2007 2005 2006 2007
    ∫¤ÓÙÚÔ 750-850 850-1000 1200 ∫ÂÓÙÚÈΤ˜
    ¶ÂÚÈÔ¯¤˜ ------ ------
    ¡Â¿ÔÏȘ 800-900 900-1100 1200-1500 ------
    ª. °ÂÈÙÔÓÈ¿ 750-850 900-1000 1200 900-1000 1000-1200 1200-1500
    ∞Á. ∞ı·Ó¿ÛÈÔ˜ 750-850 850-1000 1200 900-1000 1000-1200 1200-1500
    ¶·Óı¤· 800-850 900-1100 1500 1000-1200 1100-1250 1200-1500
    ∆Û›ÚÂÈÔ 800-850 900-1000 1200-1300 900-1000 1000-1200 1200-1500
    ∞Á. º‡Ï· 750-850 850-1000 1100 800-900 900-1000 1000-1300
    °ÂÚÌ·ÛfiÁÂÈ· 800-1000 1000-1200 1500 1000-1200 1100-1300 1200-1600
    ∆Ô˘ÚÈÛÙÈο 1000-2000 1200-2000 1500-2300 1200-1500 1300-1600 2000-3500
    ∞Á. ∆‡¯ˆÓ·˜ 1300-1600 1300-1800 1500-2500 1300-1500 1400-1600 2000-3500
    ∞Á. ∞ı·Ó¿ÛÈÔ˜ 1000-1100 1100-1200 1500-2300 1000-1100 1100-1200 1300-1600
    ªÔÓ‹ 800-900 900-1000 1200 900-1000 1000-1200 1200-1400
    ªÔ˘ÙÙ·Áȿη 1200-1400 1300-1800 1500-2000 1200-1500 1300-1600 1500-2000
    ∂› Ù˘
    ¶·Ú·Ï›·˜ 2000-2700 2.500-3.500 3500-5000 2500-3500 5.000 6.000-7.000

    °ƒ∞º∂π∞ ∆πª∏ í/∆.ª. ∆πª∏ í/∆.ª. ∆πª∏ í/∆.ª.


    2005 2006 2007
    ¶·ÏÈ¿ fiÏË 600-700 700-800 1000-1100
    ¢ÈηÛÙ‹ÚÈ· 1000-1100 1100-1300 1500-1700
    ¡Â¿ÔÏȘ 700-800 850-1100 1200-1500
    ¶·Ú·ÏÈ·Îfi˜ ‰ÚfiÌÔ˜ 1100-1300 1200-1500 1800-2200

    ∫∞∆∞™∆∏ª∞∆∞ ∆πª∏ í/∆.ª.2005 ∆πª∏ í/∆.ª.2006 ∆πª∏ í/∆.ª.2007

    ∫¤ÓÙÚÔ 2000-3000 2300-3300 3300-4000


    ¶ÂÚÈʤÚÂÈ· ∫¤ÓÙÚÔ˘ 800-1200 900-1300 1500-2000
    ¶ÂÚÈʤÚÂÈ· 600-850 700-900 1100-1300
    ¶·Ú·ÏÈ·Îfi˜ ‰ÚfiÌÔ˜ 2000-2500 2200-2500 2500-3000
    ∆Ô˘ÚÈÛÙÈΤ˜ ÂÚÈÔ¯¤˜ 1500-2300 1700-2500 2500-4000
    §ÈÓfiÂÙÚ· ----- 1500-2500 3000-4000
    ª·Î·Ú›Ô˘ ----- 1200-2500 2500-3500
    ¶¿ÊÔ˘ ----- 1000-1200 1500-2000
    ∫ÔÏˆÓ·Î›Ô˘ ----- 1500-2500 3000-4000
    ƒ‹Á· ºÂÚ·›Ô˘ ----- 1300-1500 1500-2000
    28˘ √ÎÙˆ‚Ú›Ô˘ ----- 2200-2800 2500-3200
    ∞ÓÂÍ·ÚÙËÛ›·˜ ----- 3000-3300 3300-4000
    °ÂÚÌ·ÛfiÁÂÈ·/Galatex ----- 2000-2500 2500-3000

    36
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 37

    Ãøƒ∞ºπ∞ í/∆.ª.2005 í/∆.ª.2006 í/∆.ª.2007


    ¶ÂÚÈʤÚÂÈ· ÂÚÈÔ¯ÒÓ
    ·Ó¿Ù˘Í˘ 40-í60 50-80 60-90
    °ÂˆÚÁÈο
    Ì οÔȘ ÚÔÔÙÈΤ˜ 12-20 15-22 20-30
    ∫·ı·Ú¿ ÁˆÚÁÈο 6-í10 8-15 8-20
    µÈÔÌ˯·ÓÈο ÎÙ‹Ì·Ù· 50-120 60-150 100-250
    √ÈÎÈÛÙÈο ÎÙ‹Ì·Ù· 50-80 60-120 70-150
    ∂ÌÔÚÈο ÎÙ‹Ì·Ù· 100-160 120-200 200-350

    ∞¶√£∏∫∂™
    ∂ƒ°√™∆∞™π∞ í/∆.ª.2005 í/∆.ª.2006 í/∆.ª.2007
    ¶ÏËÛ›ÔÓ §ÂÌÂÛÔ‡ 400-500 450-600 600-750
    ª·ÎÚÈÓ¤˜ ·ÔÛÙ¿ÛÂȘ
    (10 ¯ÏÌ.) 350-450 400-450 500-550

    §∞ƒ¡∞∫∞

    √π∫√¶∂¢∞ √π∫π™∆π∫∞ ∆√Àƒπ™∆π∫∞ ¢π∞ª∂ƒπ™ª∞∆∞ ∫∞∆√π∫π∂™ °ƒ∞º∂π∞


    í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì.
    2005 2006 2007 2005 2006 2007 2005 2006 2007 2005 2006 2007 2005 2006 2007
    ∫¤ÓÙÚÔ 300 - 350 - 750- ---- ---- ---- 700 - 700- 1250- 1200- 1200- 1500- 750 950- 1200
    500 650 1000 1000 1000 1750 ---- ---- 2000 850 1200 1500
    ---- 1500 1500
    1400
    1750
    ºÔÈÓÈÎÔ‡‰Â˜ ---- ---- 2000 2250 3500 2500- 3500 2500- 3500- ---- ---- ---- ---- ---- ----
    ---- ---- 4500
    3500 3500
    ----
    4000
    º·ÓÂڈ̤ÓË 300 400 675 ---- ---- ---- 750- 950- 1250 1000 1000 1200 800 900 1000
    1000- 1250 1500- ---- ---- 1500 1000 1200 1250
    1200 1400
    ¢ÚÔÛÈ¿ 230 300 500 ---- ---- ---- 650- 850- 1000 850- 850- 1250- 700- 750- 900-
    750 1000 1350 1000 1250 1350 800 850 1000
    ¡ÔÛÔÎÔÌÂ›Ô 230 300 - 500 ---- ---- ---- 750- 850- 1000 1000 1000 1250 ---- ---- ----
    350 600 850 1000 1350 ---- ---- 1350
    1200 1300
    °.™.∑./ µÂÚÁ›Ó· 135 155 - 300- ---- ---- ---- 650 - 750- 950 750- 850- 1000- ---- ---- ----
    µÂÚÁ›Ó· 230 350 800 950- 1000 900 1200 1250
    ∫·Ì¿Ú˜ 195 230 - 300- ---- ---- ---- 750- 850 1000- 800- 950- 1250 ---- ---- ----
    280 385 850 950 1250 1000 1250 1350

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    37
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 38

    √π∫√¶∂¢∞ √π∫π™∆π∫∞ ∆√Àƒπ™∆π∫∞ ¢π∞ª∂ƒπ™ª∞∆∞ ∫∞∆√π∫π∂™ °ƒ∞º∂π∞


    í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì.
    2005 2006 2007 2005 2006 2007 2005 2006 2007 2005 2006 2007 2005 2006 2007
    ∆ÛÈ·ÎÎÈÏÂÚfi 135 195 300 ---- ---- ---- 600 - 650 850 750- 750- 850- ---- ---- ----
    650 850 950 850 950 1000
    ∞Ú·‰›Ô˘ 155 195 300- ---- ---- ---- 750 - 750- 900- 850- 900- 950- 650- 700- 1000 -
    350 850 950 1000 1000 1200 1250 850 900 1250
    ¢ÚÔÌÔÏ·ÍÈ¿ 96 135 230 ---- ---- ---- 500 - 550- 750- 750- 750- 850 ---- ---- ----
    600 650 850 850 900 950
    ∞ÏÂıÚÈÎfi 86 135 250 ---- ---- ---- 500- 550 750- 700- 750 900 ---- ---- ----
    650 700 850 800 900- 1000
    ª·˙ˆÙfi˜ 86 125 175- 250 290 385- 650- 700- 950- 750- 850- 1250- ---- ---- ----
    200 450 850 900 1000 1200 1250 1500
    §ÂÈ‚¿‰È· 135 - 135 - 300- ---- ---- ---- 650 - 650- 950- 700- 850- 950- ---- ---- ----
    250 250 350 800 900 1250 1000 1250 1350
    ∫›ÙÈ 115 135 300 ---- ----- ---- 650 - 650- 900- 750- 850- 900- ---- ---- ----
    750 850 1000 900 950 1000
    ¶ÂÚ‚fiÏÈ· 135 155 300- 250 290 385 - 750 - 750- 1000- 750- 950- 1000- ---- ---- ----
    350 450 950 1000 1250 1000 1250 1350
    √ÚfiÎÏÈÓË 135 - 155 - 300- 300 350 400- 750 - 750- 900- 800- 1000- 1250- ---- ---- ----
    165 299 350 450 1000 1000 1350 1200 1200 2000-
    1200 1500 2000 3000
    ¶‡Ï· 115 135 - 250- 300 350 400 - 750- 850- 900- 850- 850- 1000- ---- ---- ----
    350 450 1000 1200 1350- 1200 1200 1500
    1500 2000 3000
    √ÚÌ‹‰ÂÈ· 86 135- ---- ---- --- 650 - 650- 800 700 800 900 ---- ---- ----
    175 700 750 900 800 850 1000
    ã∞ÁÈÔ˜ £Âfi‰ˆÚÔ˜ 76 115 ---- 300 400 ---- 950- 1250- ----
    1000 1500
    ∑‡ÁÈ 86 150 250 350 950- 1250- ----
    1000 1500
    ∞ıˤÓÔ˘ 86 135- ---- ---- ---- ---- 800- ---- ---- 900 ---- ---- ----
    155 900 1000
    ª·Î¤Ó˙˘ 300 450- ---- 850- 1000-
    500 1000 1500

    38
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 39

    ∫∞∆∞™∆∏ª∞∆∞ ∞•π∞/∆.ª. ∂¡√π∫π√ ∆.ª./ª∏¡∞


    2006 2007 2006 2007
    °Ú. ∞˘ÍÂÓÙ›Ô˘ í2.000 2.000 í12 ÿ‰ÈÔ
    ª·Î·Ú›Ô˘ í2.500 í2.800 í15 ãπ‰ÈÔ
    ∂ÚÌÔ‡ í2.500 í2.800 í15 ãπ‰ÈÔ
    ∫·ÏÔÁÂÚ¿ í1.800 í1.800 í12 ãπ‰ÈÔ
    ∑. ∫ÈÙȤˆ˜ í2.500 í2.800 í15 ãπ‰ÈÔ
    ºÔÈÓÈÎÔ‡‰Â˜ í5.000 í5.000 í20 ãπ‰ÈÔ
    ¢ÚfiÌÔ˜ ¢ÂΤÏÂÈ·˜ í1.500 í1.500 í12 ãπ‰ÈÔ
    ™ÙÚ. ∆ÈÌ¿ÁÈ· í2.000 í2.500 í12-í15 ãπ‰ÈÔ

    Ãøƒ∞ºπ∞ í/∆.ª. í/∆.ª. í/∆.ª.


    2005 2006 2007
    °ÂˆÚÁÈο Ì οÔȘ ÚÔÔÙÈΤ˜ 20 25 35
    ∫·ı·Ú¿ ÁˆÚÁÈο 8-10 11-í12 í15-18
    µÈÔÌ˯·ÓÈο ÎÙ‹Ì·Ù· 30-45 45-60 í75-95
    √ÈÎÈÛÙÈο ÎÙ‹Ì·Ù· 45-110 60-135 125-200
    ∂ÌÔÚÈο ÎÙ‹Ì·Ù· 200+ 400-500 450-650

    ∞¶√£∏∫∂™/∂ƒ°√™∆∞™π∞ í/∆.ª. í/∆.ª. í/∆.ª.


    2005 2006 2007
    ¶ÏËÛ›ÔÓ §¿Úӷη˜ 400-500 500-600 550-650
    ª·ÎÚÈÓ¤˜ ·ÔÛÙ¿ÛÂȘ 300-400 400-500 450-550

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    39
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 40

    ¶∞º√™

    √π∫√¶∂¢∞ °ƒ∞º∂π∞ ∫∞∆√π∫π∂™ ¢π∞ª∂ƒπ™ª∞∆∞


    í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì. í/Ù.Ì.
    2005 2006 2007 2005 2006 2007 2005 2006 2007 2005 2006 2007
    ∫¤ÓÙÚÔ 300- 350- 500- 1500 1.500 1800 1200 1.400 1500 850 1.000 1500
    400 450 600 1.600 1000 1.100
    °‡Úˆ ÙÔ˘
    ∫¤ÓÙÚÔ˘ 250 250- 300 1300 1.300- 1500 1200 1.400 1500 900 1.000 1200
    270 1.400
    ¶ÂÚÈʤÚÂÈ· 200 220 250 1100 1.200- 1300 1100 1.300 1400 900 1.000 1200
    1.300
    ∫. ¶¿ÊÔ˜ (ÂÚÈÔ¯‹) 200 220 280 1100 1.200- 1.300 1100- 1.200- 1400- 1000- 1.200- 1500
    1.300 --- 1.500 1600 1200 1.400
    1300
    ¶¤ÁÂÈ· 160- 180- 200 --- --- 1300 1.400- 1500- 1100- 1.200- 1500
    180 200 --- 1.600 2000 1250 1.300
    ÃÏÒڷη 150 150- 180 --- --- 1100 1.200- 1300- 1150 1.200 1300
    180 --- 1.400 1600
    1300
    ªÂÛfiÁË 150 150- 180 --- --- 950- 1.100- 1200 900 1.000 1200
    180 --- 1150 1.200
    ∫ÔÓÈ¿ 160- 180 250 --- --- 1150 1.300- 1500 1000- 1.200- 1400
    180 200 --- 1.500 1100 1.300
    1350
    ¶fiÏȘ 140 150 160 --- --- 1200 1.300- 1500 950- 1.000- 1400
    1.500 1150 1.200
    §·ÙÛ› --- --- --- --- 1300 1.500- 1800- 1000- 1.200- 1500
    1.600 2.000 1200 1.500
    ∆¿Ï· 160 160- 200 --- --- 1250- 1.300- 1500 1000- 1.200- 1400
    180 --- 1.500 1100 1.300
    1400
    ã∂Ì· 150 170- 200 --- --- 950- 1.100- 1.300 900- 1.000- 1200
    180 1200 1.300 1000 1.100
    °ÂÚÔÛ΋Ô˘ 160 200 220 --- --- 900- 1.100- 1300 850- 1.000- 1200
    1200 1.300 1100 1.000
    ∞Ó·Ú›Ù· --- 150- 180 --- --- --- 1.100- 1300 --- 1.000- 1100-
    160 1.300 1.100 1.200
    ∆Û¿‰· --- 150- 170 --- --- --- 1.200- 1300- --- 1.100- 1200-
    160 1.500 1500 1.200
    ∫ÈÛÛfiÓÂÚÁ· --- 150- 200 --- --- --- 1.200- 1300- --- 1.200- 1300-
    180 1.500 1500 1.300 1400

    40
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 41

    °ƒ∞º∂π∞ (HIGH TECH) ∆πª∏ í/∆.ª. ∆πª∏ í/∆.ª. ∆πª∏ í/∆.ª.


    2005 2006 2007
    ∫¤ÓÙÚÔ 1500 1.600-1.700 1.800-2.000
    ∂ÎÙfi˜ 1100 1.300-1.400 1.500-1.600

    ∫∞∆∞™∆∏ª∞∆∞ ∆πª∏ í/∆.ª.2005 ∆πª∏ í/∆.ª.2006 ∆πª∏ í/∆.ª.2007

    ∫¤ÓÙÚÔ 2500 2.800-3.500 3.000-í3.500


    ¶ÂÚÈʤÚÂÈ· ∫¤ÓÙÚÔ˘ 2200 2.500 2.600
    ¶ÂÚÈʤÚÂÈ· 1800 2.000 2.100
    ¶ÂÚ›¯ˆÚ· 1500 1.600 1.700

    ∫∞∆∞™∆∏ª∞∆∞ /√¢√™ ∞•π∞/∆.ª. ∂¡√π∫π√ ∆.ª./ª∏¡∞


    2006 2007 2006 2007
    ∞ÔÛÙ. ¶·‡ÏÔ˘ í2.500 í2.600 í12-í15 í16
    ª·Î·Ú›Ô˘ í3.500 í3.500 í20-í25 í22-í27
    ¶ÔÛÂȉÒÓÔ˜ í3.500 í3.600 í20-í30 í20-í30
    ∆¿ÊÔÈ µ·ÛÈϤˆÓ í3.000 í3.100 í15-í20 í18-í22
    §ÂˆÊfiÚÔ˜ ªÂÛfiÁ˘ í1.500- í1.600- í7-í8 í8-í9
    í1.600 í1.700
    ¡ÈÎÔ‰‹ÌÔ˘ ª˘ÏˆÓ¿ í3.000 í3.300 í20-í22 í20-í25
    §ÂˆÊfiÚÔ˜ ∂ÏÏ¿‰Ô˜ í2.000 í2.500 í10-í12 í12-í13

    Ãøƒ∞ºπ∞ í/∆.ª. 2005 í/∆.ª.2006 í/∆.ª.2007


    ¶ÂÚÈʤÚÂÈ· ÂÚÈÔ¯ÒÓ
    ·Ó¿Ù˘Í˘. 20 30-40 30-40
    °ÂˆÚÁÈο Ì οÔȘ
    ÚÔÔÙÈΤ˜
    ∫·ı·Ú¿ ÁˆÚÁÈο 5 8-10 10
    µÈÔÌ˯·ÓÈο ÎÙ‹Ì·Ù· 40 60-80 60-80
    √ÈÎÈÛÙÈο ÎÙ‹Ì·Ù·
    (ÂÓÙfi˜ ÙÔÈÎÔ‡ ۯ‰›Ô˘) 100
    (Û ¯ˆÚÈ¿ 40-60) (Û ¯ˆÚÈ¿ 100-120) 120-150
    ∂ÌÔÚÈο ÎÙ‹Ì·Ù· 200 250 300

    ∞¶√£∏∫∂™/∂ƒ°√™∆∞™π∞ í/∆.ª. 2005 í/∆.ª.2006 í/∆.ª.2007


    ¶ÏËÛ›ÔÓ ¶¿ÊÔ˘ 400 450 480
    ª·ÎÚÈÓ¤˜ ·ÔÛÙ¿ÛÂȘ
    (10 ¯ÏÌ.) 350 400 420

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    41
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 42

    ∂§∂À£∂ƒ∏ ∞ªª√Ãø™∆√™ / ∆È̤˜ ∞Ó¿ í Ù.Ì.

    √π∫π∂™ ¢π∞ª∂ƒπ™ª∞∆∞ √π∫√¶∂¢∞ Ãøƒ∞ºπ∞

    2005 2006 2007 2005 2006 2007 2005 2006 2007 2005 2006 2007
    ¶·Ú·ı·Ï¿ÛÛÈ·
    ∞Á›· ¡¿· 1000- 1450 1500- 550- 750- 850 ---- ---- ---- 60- 80- 80-
    2000 2000 6000 1400 1600 1700 ---- ---- ---- 185 190 220
    ¶ÚˆÙ·Ú¿˜ 1000- 1300- 1850- 850- 1050- 1350- ---- ---- ---- 60- 90- 90-
    2500 3750 6.00 1150 1400 6000 ---- ---- ---- 185 220 300
    ∞Á. £¤ÎÏ· 1000- 1000- 1800- ---- ---- ---- ---- ---- ---- 35 80 80
    2000 2500 5500 ---- 120 190 220
    ¢ÂÚ‡ÓÂÈ· 900 1050 1050 750 750 800 55 70 125- ∞fi ∞fi
    1050 1600 1700 1200 1300 1450 100 150 30 45 75
    ¶ÂÚÓ¤Ú· 1000- 1300- 1650- 850- 1100- 1500 ---- 40- 90- 90-
    2000 3650 4000 1150 3000 3700 ---- 150 220 300
    ∞Á. ∆ÚÈ¿‰· 1000- 1450- 1700- ---- ---- 2500- ---- 40 90- 90-
    2000 2000 5000 4000 ---- 185 220 300
    ¶·Ú·Ï›ÌÓÈ* 1000- 900- 1250- 750- 800- 850- 90- 140- 200- ∞fi ∞fi
    80 110
    1250 1400 1750 1300 1600 1750 125 195 350 300
    ∫¿·ÚÈ* 1000- 1500- 1900- 750- 1000- 850- 50- ---- ---- 90- 90-
    2000 2000 2200 1300 1500 1900 150 ---- 220 300
    ∫¤ÓÙÚÔ ---- ---- ---- 1000- ∞fi ∞fi ∞fi ----
    1400 155 195 350 ---
    ∞Á›· ¡¿·
    ¶ÂÚÈʤÚÂÈ· 900- 900- 1000- ---- ---- ---- ---- ---- ---- ∞fi ∞fi 125-
    1400 1400 2000 60 75 225
    ºÚ¤Ó·ÚÔ˜ 600- 900- 950- ---- 900- 900 ∞fi ∞fi ∞fi ∞fi ∞fi ∞fi
    1000 1300 1300 1100 1200 48 60 115 20 30 60
    µÚ˘ÛÔ‡ÏϘ 750- 850- 900- 700- 750- 800- 38 55 ∞fi 18 30 ∞fi
    900 1100 1750 800 950 1000 95 45
    ™ˆÙ‹Ú· 950- 900- 900- 550- 750- 800- 50 65 ∞fi 30 40 ∞fi
    1050 1300 1300 800 950 1150 115 60
    ∞˘ÁfiÚÔ˘ 600- 900- 900- ---- ---- 800 30 55 ∞fi 15 30 ∞fi
    900 1100 1850 1000 115 60
    §ÈÔ¤ÙÚÈ 1000- 800- ∞fi ∞fi
    1700 1100 115 60

    * ™Â ·fiÛÙ·ÛË ·fi ÙËÓ ·Ú·Ï›·

    42
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 43

    ∫∞∆∞™∆∏ª∞∆∞ ∞°√ƒ∞π∞ ∞•π∞ ∂¡√π∫π√ ∆.ª./ª∏¡∞


    ¶ÂÚÓ¤Ú· ∞fi í1750/Ù.Ì. ∞fi í10/Ù.Ì.-í15/Ù.Ì.
    ¢ÚfiÌÔ˜ ∫¿‚Ô °ÎÚ¤ÎÔ ∞fi í1250/Ù.Ì. ∞fi í5/Ù.Ì.
    ¢ÚfiÌÔ˜ •ÂÓԉԯ›ˆÓ ∞fi í3750/Ù.Ì. ∞fi í10/Ù.Ì.-í20/Ù.Ì.
    ∫¤ÓÙÚÔ ¶·Ú·ÏÈÌÓ›Ô˘ ∞fi í1500/Ù.Ì. ∞fi í5/Ù.Ì.-í10/Ù.Ì.
    1˘ ∞ÚÈÏ›Ô˘ ∞fi í1750/Ù.Ì. ∞fi í10/Ù.Ì.-í15/Ù.Ì.
    §ÂˆÊ. ¡ËÛ› ∞fi í1750/Ù.Ì. ∞fi í10/Ù.Ì.-í15/Ù.Ì.
    §ÈÌ·Ó¿ÎÈ ∞fi í1250/Ù.Ì. ∞fi í8/Ù.Ì.-í12/Ù.Ì.
    ¶Ï·Ù›· ∞fi í2500/Ù.Ì. ∞fi í10/Ù.Ì.-í20/Ù.Ì.

    ¶∞ƒ∞£∞§∞™™π∂™ ∫∞∆√π∫π∂™, ¢π∞ª∂ƒπ™ª∞∆∞ (∫∞π¡√Àƒ°π∞)

    ∆√¶√£∂™π∞ ∞°√ƒ∞π∞ ∞•π∞/∆.ª. ∞°√ƒ∞π∞ ∞•π∞/∆.ª.


    ¢π∞ª∂ƒπ™ª∞∆∞ ∫∞∆√π∫π∂™
    ¶¿ÊÔ˜ í3.000/Ù.Ì. í4.000-í4.500/Ù.Ì.
    §ÂÌÂÛfi˜ í4.500/Ù.Ì.-í5.000 í7.000/Ù.Ì.
    §¿Úӷη í3.500/Ù.Ì. (fiÏ˘) í4.000/Ù.Ì.
    (¢Ú. ¢ÂΤÏÂÈ·˜)
    í2.000/Ù.Ì. í3.500/Ù.Ì.
    ¶ÂÚ‚fiÏÈ·/ª·˙ˆÙfi˜ ¶ÂÚ‚fiÏÈ·/ª·˙ˆÙfi˜
    ™ˆÙ‹Ú· (∞ÌÌfi¯ˆÛÙÔ˜) ------ í3.000/Ù.Ì.-í5.000/Ù.Ì.
    ¶ÚˆÙ·Ú¿˜ í2.500/Ù.Ì.- í3.000/Ù.Ì. í3.000/Ù.Ì.- í4.000/Ù.Ì.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    43
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 44

    ENOIKIA
    ¶·Ú·ı¤ÙÔ˘Ì ̤۷ ÌËÓÈ·›· ÂÓÔ›ÎÈ· Û ̤Û˜ ÂÚÈÔ¯¤˜ ÛÙËÓ ∫‡ÚÔ

    §∂À∫ø™π∞ §∂ª∂™√™ §∞ƒ¡∞∫∞ ¶∞º√™ ∞ªª√Ãø™∆√™


    √ÈÎfi‰· % ÙÔÓ ¯ÚfiÓÔ
    Â› Ù˘ ·Í›·˜ 7%-10% ›‰ÈÔ 7%-10% 10%-12% 7%-10% 10%-12% 7%-10% 7%-10% 7%-10% ›‰ÈÔ

    2006 2007 2006 2007 2006 2007 2006 2007 2006 2007
    ¢È·ÌÂÚ›ÛÌ·Ù·
    1 ˘ÓÔ‰ˆÌ¿ÙÈÔ í250 í270 í180 í250 í200 í250 í200 í220 í120 í125
    2 ˘ÓÔ‰ˆÌ¿ÙÈ· í350 í350 í250 í350 í250 í300 í280 í300 í150 í175
    3 ˘ÓÔ‰ˆÌ¿ÙÈ· í450 í450 í350 í450 í350 í400 í350 í350 í150 í150
    ∂ÓÔ›ÎÈÔ ·Ó¿ ª‹Ó· í200 í250
    í200- í200 -
    í300 í350
    ∫·ÙÔÈ˘ ∂ÌÔÚÈΤ˜ í550 í550 í500 í550 í400 í450 í800 í800 í500- í500-
    3 ˘ÓÔ‰ˆÌ¿ÙÈ· Ì ÈÛ›Ó· í1000 í1000
    ÌÂ ÈÛ›Ó·
    I‰ÈˆÙÈΤ˜
    4 ˘ÓÔ‰ˆÌ¿ÙÈ·
    ∂ÓÔ›ÎÈÔ ·Ó¿ Ì‹Ó· í800 í850 í800 í1000 í600 í650 í1000 í1000 í300- í300-
    í400 í400
    ¶·Ú·Ï›ÌÓÈ
    °Ú·Ê›· High tech í7.0/Ù.Ì. í7.0/Ù.Ì. í7- í12 - í7- í10 - í12 í14 í4 í4
    í10 í6.50 í10 í12
    /Ù.Ì. /Ù.Ì. í6-í7
    ™˘Ó‹ıË
    ∞Ó¿ Ù.Ì./Ì‹Ó· (ÌÂ a.c) í5.0/Ù.Ì. í5.0/Ù.Ì. í5.0/Ù.Ì. í5.0/Ù.Ì. í7 í8 í2.5 í2.5
    ÈڿÊÈ· °ÂˆÚÁÈο 2% 2% 2% 3.50% 2% 3% 2% 2% 1%-2% 1%-2%
    ∞Ó·Ù˘Íȷο
    ¶ÔÛÔÛÙfi Â› Ù˘
    ·Í›·˜/¯ÚfiÓÔ 5% 5% 5% 6.50% 5% 6% 5% 5% 5% 5%

    ∂ÚÁÔÛÙ¿ÛÈ·/ í1.70- í1.70- í1.70- í4.00- í1.70- í2.50 - í2.0 í2 í1-í2 í1-í2
    í2.50 í2.50 í2.5 í2.75 í2.50 í3.50
    ∞Ôı‹Î˜
    ∞Ó¿ Ù.Ì. í1.85- í1.85 -
    í2.50 í2.50

    ∫·Ù·ÛÙ‹Ì·Ù·
    ¶∞ƒ∞¡√ª√π
    ∞Ó¿ Ù.Ì./Ì‹Ó· ∫∆∏ª∞∆√ª∂™π∆∂™ í10- í17- í8- ›‰È· í15 - ›‰È· í5-í10 í5-í10
    í15 í20 í10 í20
    ™Ù˜ ÈÔ
    ∫ÂÓÙÚÈΤ˜ ÂÚÈÔ¯¤˜ í15 - í20 - í12- í25 í10- í10-
    í20 í25 í15 í25 í25
    ∆Ô˘ÚÈÛÙÈΤ˜ ÂÚÈÔ¯¤˜ í12- í17- í12 í15- í10- í10-
    í17 í22 í15 í20 í20 í20

    44
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 45

    A¡∏™ÀÃπ∂™ °π∞ ∆√ ª∂§§√¡


    √È ÂÍÂÏ›ÍÂȘ ÛÙËÓ ÔÈÎÔ‰ÔÌÈ΋ ‚ÈÔÌ˯·Ó›· ÙˆÓ ·ÎÈÓ‹ÙˆÓ Â›Ó·È Ú·Á‰·›Â˜ Î·È Ì·˜
    ÚÔηÏÔ‡Ó Î¿ÔÈÔ˘˜ ÚÔ‚ÏËÌ·ÙÈÛÌÔ‡˜ Ô˘ ·ÊÔÚÔ‡Ó ÙÔ Ì¤ÏÏÔÓ.

    ∂°∫§∏ª∞∆π∫√∆∏∆∞ / √ç∏ƒπ∞ + ∆πª∂™ ∞∫π¡∏∆ø¡


    ã∞Ó Î·È Ë ∫‡ÚÔ˜ ¤¯ÂÈ Ôχ ¯·ÌËÏ‹ ÂÁÎÏËÌ·ÙÈÎfiÙËÙ· (Ë ÈÔ ¯·ÌËÏ‹ Û fiÏË ÙËÓ
    ∂. ã∂ÓˆÛË Ì·˙› Ì ÙËÓ ª¿ÏÙ·) Î·È ¤¯ÂÈ ÌfiÓÔ ÙÔ 6% Ù˘ ÂÁÎÏËÌ·ÙÈÎfiÙËÙ·˜ ÙÔ˘
    ∏. µ·ÛÈÏ›Ԣ, ÂÓÙÔ‡ÙÔȘ ÂÚÈÔ¯¤˜ ÛÙËÓ ∫‡ÚÔ Ô˘ ¤¯Ô˘Ó ·˘ÍË̤ÓË
    ÂÁÎÏËÌ·ÙÈÎfiÙËÙ·/Ô¯ÏËÚ›·, ‰Â›¯ÓÔ˘Ó ÌÈ· οıÂÙË Ì›ˆÛË ÛÙ˜ ÙÈ̤˜ ÙˆÓ
    ·ÎÈÓ‹ÙˆÓ. ¶ÂÚÈÔ¯‹ Ù˘ ∫¿Ùˆ ¶¿ÊÔ˘ (ÂÚÈÔ¯‹ ¶ÔÓÙ›ˆÓ) Û ۯ¤ÛË Ì ÙËÓ
    ¢ڇÙÂÚË ÂÚÈÔ¯‹, ‰Â›¯ÓÂÈ ÌÈ· Ì›ˆÛË Û ·Í›Â˜ Ù˘ Ù¿Í˘ ÙÔ˘ 60% Û ۯ¤ÛË
    Ì ¿ÏϘ ·Ú·Ï‹ÛȘ ÂÚÈÔ¯¤˜. ∏ ÂÚÈÔ¯‹ °ÂÚÌ·ÛfiÁÂÈ·˜ (¶ÔÙ·Ìfi˜) ‰Â›¯ÓÂÈ
    ÌÈ· Ì›ˆÛË ÁÈ· ÔÈÎÈÛÙÈΤ˜ ÌÔÓ¿‰Â˜ ηٿ 50%, ÂÓÒ ‰È·ÌÂÚ›ÛÌ·Ù· ÛÙÔ ¯ˆÚÈfi
    ∞Á›·˜ ¡¿·˜, Û ۯ¤ÛË Ì ÂΛӷ ÙÔ˘ ¶·Ú·ÏÈÌÓ›Ô˘, ‰Â›¯ÓÔ˘Ó ÌÈ· Ì›ˆÛË
    ¤Ú·Ó ÙÔ˘ 50%. ∆Ô Ì¤ÛÔ ·˘Ùfi ÔÛÔÛÙfi Ù˘ Ì›ˆÛ˘ Â›Ó·È „ËÏfi Î·È ‰Â›¯ÓÂÈ
    ÙËÓ ·˘ÍË̤ÓË Â˘·ÈÛıËÛ›· ÙÔ˘ ÎÔÈÓÔ‡. ¡· ÛËÌÂȈı› Â‰Ò fiÙÈ Û‡Ìʈӷ ÌÂ
    ‰ËÌÔÛÎfiËÛË ÛÙÔ ∏.µ., ÂÚ› ÙÔ 36% ÙˆÓ Î·ÙÔ›ÎˆÓ ·Ó·Áο˙ÔÓÙ·È Ó· ÌÂÙ·ÎÔÌ›ÛÔ˘Ó
    ÏfiÁˆ Ô¯ÏËÚ›·˜ ÙˆÓ ÁÂÈÙfiÓˆÓ.
    ∆·˘Ùfi¯ÚÔÓ·, ˘¿Ú¯ÂÈ ÌÈ· ·˘ÍË̤ÓË Â˘·ÈÛıËÛ›· ÛÙËÓ Ô¯ÏËÚ›·/Ù·Ï·ÈˆÚ›·,
    ›ÙÂ Î·È ·Ó ·˘Ù‹ ·Ó·Ê¤ÚÂÙ·È Û ˯ÔÚ‡·ÓÛË Â›Ù ¿Ïψ˜ ˆ˜.ã∂ÙÛÈ ‰È·ÌÂÚ›ÛÌ·Ù·
    Â› ·ÚÈˆÓ ‰ÚfïÓ, ‰˘ÛÎÔÏ›· Û ÚfiÛ‚·ÛË, ÌÔÓÔ‰ÚfiÌËÛË ÎÏ
    ÂËÚ¿˙ÔÓÙ·È ·ÚÓËÙÈο ÛÙȘ ·Í›Â˜ ÙÔ˘˜ (Û ·ÓÙ›ıÂÛË Ì ÚÈÓ ·fi 10 ¯ÚfiÓÈ·
    Ô˘ Ë Î·ÙÔÈΛ· Â› ÙÔ˘ ·ÚÈÔ˘ ‰ÚfiÌÔ˘ ÂıˆÚ›ÙÔ ÚÔÛfiÓ). ∞fi ÙËÓ ¿ÏÏË,
    Ê·›ÓÂÙ·È fiÙÈ Î·ÙÔÈ˘ „ËÏÔ‡ ÎfiÛÙÔ˘˜ Î·È ÔÈÎfi‰· ÁÈ· ·˘Ù¤˜, Â› Ô¯ÏËÚÒÓ
    ‰ÚfïÓ, ‰Â›¯ÓÔ˘Ó ÈÔ „ËϤ˜ ÙÈ̤˜ Û ۯ¤ÛË Ì ٷ ÈÔ ›Ûˆ (›‰Â ·Ú¿‰ÂÈÁÌ·
    ∫·ÏfiÁËÚÔÈ §ÂÌÂÛÔ‡ ηٿ Ì‹ÎÔ˜ ÙÔ˘ ·˘ÙÔÎÈÓËÙfi‰ÚÔÌÔ˘). ∂‰Ò, ›Ûˆ˜, Ô ·Ú¿ÁÔÓÙ·˜
    "Â›‰ÂÈ͢" Î·È Î·Ï‡ÙÂÚ˘ ı¤·˜ Ó· ÂËÚ¿˙ÂÈ ÛÙÔ ·ÓÙ›ÛÙÚÔÊÔ.

    ∂§∞Ãπ™∆∞ ∂ªµ∞¢∞
    §fiÁˆ Ù˘ Û˘Ó¯ԇ˜ ·‡ÍËÛ˘ ÙÔ˘ ηٷÛ΢·ÛÙÈÎÔ‡ ÎfiÛÙÔ˘˜/ÙÈÌ‹˜ ‰È¿ıÂÛ˘ ÙˆÓ
    ·ÎÈÓ‹ÙˆÓ, ȉȷ›ÙÂÚ· fiÛÔÓ ·ÊÔÚ¿ ‰È·ÌÂÚ›ÛÌ·Ù·, Ô Î·ıÔÚÈÛÌfi˜ ÂÏ¿¯ÈÛÙÔ˘
    ÌÂÁ¤ıÔ˘˜ ÙˆÓ ÌÔÓ¿‰ˆÓ ·fi ÙÔ˘˜ ÔÏÂÔ‰ÔÌÈÎÔ‡˜ ηÓÔÓÈÛÌÔ‡˜, ¤¯ÂÈ ÚÔηϤÛÂÈ
    ÛÔ‚·Ú¤˜ ·ÚÓËÙÈΤ˜ ÂÈÙÒÛÂȘ ÛÙËÓ ·ÁÔÚ¿ Î·È ÛÙËÓ ‰˘Ó·ÙfiÙËÙ· ÙˆÓ ·ÁÔÚ·ÛÙÒÓ
    Ó· ÂÍ·ÛÊ·Ï›ÛÔ˘Ó ÛÙ¤ÁË. ã∂ÙÛÈ, ÂÓÒ ‰È·ÌÂÚ›ÛÌ·Ù· ÙˆÓ ‰‡Ô ˘ÓÔ‰ˆÌ·Ù›ˆÓ ı·
    ÌÔÚÔ‡Û·Ó Ó· ¤¯Ô˘Ó ¤Ó· ÂÌ‚·‰fiÓ .¯. 70 Ù.Ì., ÔÈ ÔÏÂÔ‰ÔÌÈÎÔ› ηÓÔÓÈÛÌÔ› ÙÔ
    ηıÔÚ›˙Ô˘Ó ˆ˜ 100 Ù.Ì. ÙÔ ÂÏ¿¯ÈÛÙÔ. ∞˘Ùfi ÚÔηÏ› ÌÈ· ‰È·ÊÔÚÔÔ›ËÛË Ù˘ ÙÈÌ‹˜
    ‰È¿ıÂÛ˘ (ÁÈ· Ù· 30 Ù.Ì.) Ì ÙȘ ÛËÌÂÚÈÓ¤˜ ÙÈ̤˜ Á‡Úˆ ÛÙ˜ í33.000. °È· ÙÔÓ ÏfiÁÔ
    ·˘Ùfi ‰È¿ÊÔÚÔÈ ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘ ˘ÈÔıÂÙÔ‡Ó ‰È¿ÊÔÚÔ˘˜ ÙÚfiÔ˘˜ (ÌË
    ȉȷ›ÙÂÚ·-·˘ÛÙËÚ¿ ÓÔÌfiÙ˘Ô˘˜) ÁÈ· ÙËÓ Ì›ˆÛË ÙˆÓ ÂÌ‚·‰ÒÓ. ã∂ÙÛÈ ·Ú·ÙËÚÔ‡ÌÂ
    fiÙÈ Û˘ÁÎÚÈÙÈο Ì ÙËÓ ÂÚ›Ô‰Ô ÙÔ˘ 2004, ÙÔ Ì¤ÛÔ ÂÌ‚·‰fiÓ ÙˆÓ ‰È·ÌÂÚÈÛÌ¿ÙˆÓ ÙÔ˘
    2005 ÌÂÈÒıËΠηٿ 9% ÂÚ›Ô˘ Î·È ÙÔ 2006 ηٿ 7% Î·È ÙÔ ¤ÙÔ˜ 2007 ηٿ 5%.
    ∏ Ù¿ÛË ·˘Ù‹ ·Ó·Ì¤ÓÂÙ·È fiÙÈ ı· Û˘Ó¯ÈÛı›. ∆Ô Úfi‚ÏËÌ· fï˜ ÙˆÓ ÂÏ¿¯ÈÛÙˆÓ
    ÂÌ‚·‰ÒÓ ·Ú·Ì¤ÓÂÈ.
    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ
    45
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 46

    •∂¡√π ∫∆∏ª∞∆√ª∂™π∆∂™
    ã∂¯Ô˘Ó ‰Ú·ÛÙËÚÈÔÔÈËı› ÛÙËÓ ∫‡ÚÔ µÚÂÙ·ÓÈÎÔ› Ô›ÎÔÈ ÎÙËÌ·ÙÔÌÂÛÈÙÒÓ Ô˘
    ‰È·ı¤ÙÔ˘Ó ·Î›ÓËÙ· Û ÌÂÁ¿ÏÔ˘˜ ·ÚÈıÌÔ‡˜, ¯ÚËÛÈÌÔÔÈÒÓÙ·˜ ‰È¿ÊÔÚ˜
    ÌÂıfi‰Ô˘˜ Î·È Ì ÚÔÌ‹ıÂÈ· Ô˘ Î˘Ì·›ÓÂÙ·È ·fi 12%-16%. ∂ÈϤÁÔ˘Ó 2-3
    ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘, fiÔ˘ ÔÈ ÙÂÏÂ˘Ù·›ÔÈ Â›Ó·È Ï‹Úˆ˜ ÂÍ·ÚÙË̤ÓÔÈ ·fi
    ·˘ÙÔ‡˜ ÙÔ˘˜ ͤÓÔ˘˜ ∫ÙËÌ·ÙÔÌÂÛ›Ù˜. ø˜ ÂÎ ÙÔ‡ÙÔ˘, Ù˘¯fiÓ ÛÙÚÔÊ‹ ÂӉȷʤÚÔÓÙÔ˜
    ·˘ÙÒÓ ÙˆÓ ∫ÙËÌ·ÙÔÌÂÛÈÙÒÓ Û ¿ÏϘ ·ÁÔÚ¤˜, ‹, Ë Ì›ˆÛË Ù˘ ˙‹ÙËÛ˘ ÁÈ·
    ÙËÓ ∫‡ÚÔ, ı· ÚÔηϤÛÔ˘Ó ÛÔ‚·Ú¿ ÔÈÎÔÓÔÌÈο ÚÔ‚Ï‹Ì·Ù· Û ·˘ÙÔ‡˜ ÙÔ˘˜
    ÂÍ·ÚÙË̤ÓÔ˘˜ ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘ Î·È Û ¿ÏÏÔ˘˜ Ô˘ ı· ÙÔ˘˜ ·Ú·Û‡ÚÂÈ
    ·˘Ù‹ Ë Î·Ù¿ÛÙ·ÛË. ã∞ÓÎ·È ‰ÂÓ ‰È·‚ϤÔ˘Ì ¿ÌÂÛÔ Î›Ó‰˘ÓÔ, ÂÓÙÔ‡ÙÔȘ ÙÔ
    ·Ú¿‰ÂÈÁÌ· Ù˘ πÛ·Ó›·˜ Â›Ó·È ¿ÍÈÔÓ ÚÔÛÔ¯‹˜ Î·È ¯Ú‹˙ÂÈ ÂÁÚ‹ÁÔÚÛ˘ (›ӷÈ
    οÙÈ ·ÚfiÌÔÈÔ Ì ÙËÓ ÂÍ¿ÚÙËÛË ·ÚÎÂÙÒÓ ÍÂÓÔ‰fi¯ˆÓ ·fi ÔÚÈṲ̂ÓÔ˘˜ tour
    operators).

    ¶√π√∆∏∆∞ •∂¡ø¡ ∞°√ƒ∞™∆ø¡


    √È Ì·˙ÈΤ˜ ·˘Ù¤˜ ·ÁÔÚ¤˜ ¤¯Ô˘Ó ÌÂÈÒÛÂÈ Î·È ÙËÓ ÔÈfiÙËÙ· ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Î·È
    ¤ÙÛÈ ‰˘Ó·ÙfiÓ Ë Î·Ù¿ÛÙ·ÛË ·˘Ù‹ Ó· ʤÚÂÈ Ì›ˆÛË Ù˘ ÔÈfiÙËÙ·˜, ·fi ÌÈ·
    ̤Û˘/·ÓÒÙÂÚ˘ ÂÈÛÔ‰ËÌ·ÙÈ΋˜ Ù¿Í˘ ÂӉȷʤÚÔÓÙÔ˜ ·fi ÏÂ˘Ú¿˜ ͤӈÓ,
    Û ¯·ÌËÏÔ‡ ÎfiÛÙÔ˘˜ ·ÁÔÚ¿, Ì ٷ ·Ó¿ÏÔÁ· ·ÔÙÂϤÛÌ·Ù·. ∆·˘Ùfi¯ÚÔÓ· Ë
    ËÏÈΛ· ÙˆÓ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ ¤¯ÂÈ ÌÂȈı› ·fi 50-65 ¯ÚÔÓÒÓ Û 45-60
    ¯ÚÔÓÒÓ. ∆·˘Ùfi¯ÚÔÓ· Ô ÏfiÁÔ˜ Ù˘ ·ÁÔÚ¿˜ ÙˆÓ Í¤ÓˆÓ ¤¯ÂÈ ‰È·ÊÔÚÔÔÈËı›
    ·fi ÙËÓ ·ÁÔÚ¿ ÁÈ· ȉ›· ηÙÔ›ÎËÛË ÁÈ· ÛÎÔÔ‡˜ ‰È·ÎÔÒÓ/·Ê˘ËÚ¤ÙËÛ˘, ÛÂ
    ·ÁÔÚ¿ ÁÈ· ÂÈÛfi‰ËÌ· (ÂÓÔÈΛ·ÛË) ηÈ/‹ ÁÈ· ÛÎÔÔ‡˜ ÌÂÙ·ÒÏËÛ˘. ¶ÂÚ›Ô˘
    ÙÔ 30%-40% ÙˆÓ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ (‰È·ÊÔÚÔÔ›ËÛË ·fi ÙÔ ¤ÙÔ˜ 2005 ÌÂ
    20%-25%) ÂÌ›ÙÂÈ Û ·˘Ù‹Ó ÙËÓ Î·ÙËÁÔÚ›·, Ô˘ ›ıÔÓÙ·È, fiÙÈ Ë ∫‡ÚÔ˜ ›ӷÈ
    ÌÈ· ηϋ ¢ηÈÚ›· ·fi ÙÔ˘˜ ͤÓÔ˘˜ ∫ÙËÌ·ÙÔÌÂÛ›Ù˜ ΢ڛˆ˜. ∂Âȉ‹ ÔÈ ‰ÈÂıÓ›˜
    Ù¿ÛÂȘ ÙˆÓ ÂÍÔ¯ÈÎÒÓ/ ÂÂÓ‰‡ÛÂˆÓ Û ·Î›ÓËÙ· ‰È·ÊÔÚÔÔÈÔ‡ÓÙ·È, ·˘Ù‹ Ë
    ηÙËÁÔÚ›· ÙˆÓ ·ÁÔÚ·ÛÙÒÓ Ô˘ ‰ÂÓ ÙÔ˘˜ Û˘Ó‰¤ÂÈ Ù›ÔÙ· Ì ÙËÓ ∫‡ÚÔ, ÂÎÙfi˜
    ÙÔ ÔÈÎÔÓÔÌÈÎfi ̤ÚÔ˜, Ôχ ‡ÎÔÏ· ‰È·ı¤ÙÔ˘Ó ÙÔ Â‰Ò ·Î›ÓËÙÔ ÙÔ˘˜ ÁÈ· ¿ÏÏÔ˘˜
    ÚÔÔÚÈÛÌÔ‡˜. ∞˘Ùfi ı· ÚÔηϤÛÂÈ ·Ó·ÛٿوÛË ÛÙËÓ ·ÁÔÚ¿ Ì ·‡ÍËÛË Ù˘
    ÚÔÛÊÔÚ¿˜ Ì Ì›ˆÛË ÙˆÓ ÙÈÌÒÓ ÛÙ˜ ÂÚÈÔ¯¤˜ Ô˘ Û˘ÁÎÂÓÙÚÒÓÔÓÙ·È Í¤ÓÔÈ
    ·ÁÔÚ·ÛÙ¤˜ (΢ڛˆ˜ µÚÂÙ·ÓÔ›). ∆Ô ·Ú¿‰ÂÈÁÌ· Ù˘ ∞Ú·‚È΋˜ ·ÁÔÚ¿˜ ÛÙËÓ §ÂÌÂÛfi
    ‰ÂÓ Â›Ó·È Ì·ÎÚÈ¿ Ì·˜. ™Â ·˘Ù‹Ó ÙËÓ Î·Ù‡ı˘ÓÛË Ô ÚfiÏÔ˜ ÙˆÓ ¯·ÌËÏÒÓ Ó·‡ÏˆÓ
    ·ÂÚÔÁÚ·ÌÌÒÓ ÛÙËÓ ∫‡ÚÔ, ı· ¤¯ÂÈ Î·È ÙÔÓ ·Ó¿ÏÔÁÔ ÙÔ˘ ·ÓÙ›ÎÙ˘Ô. ªÂ ÙÔ˘˜
    Ó¤Ô˘˜ ÂÚÈÔÚÈÛÌÔ‡˜ Ù˘ ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ ÁÈ· ÙÔ 40% Û˘ÌÌÂÙÔ¯‹˜ ·Ó·Ì¤ÓÂÙ·È
    fiÙÈ ı· ÌÂȈı› Ô ·ÚÈıÌfi˜ ÙˆÓ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ/ÂÂÓ‰˘ÙÒÓ (ÁÈ· ÂÓÔ›ÎÈÔ) ÈÔ
    ÁÓˆÛÙÔ› ˆ˜ ·ÁÔÚ·ÛÙ¤˜ "Buy to Let" Î·È ·Ú¿ ÙÔÓ ·ÚÓËÙÈÎfi ·ÓÙ›ÎÙ˘Ô, ı·
    ·Ó·‚·ıÌ›ÛÂÈ ‹ Ó· ·˘Í‹ÛÂÈ ÙÔ ÔÛÔÛÙfi ÙˆÓ ÈÔ ÛÔ‚·ÚÒÓ/ÌfiÓÈÌˆÓ ·ÁÔÚ·ÛÙÒÓ
    (retirement/holiday home market).

    46
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 47

    ¶√π√∆∏∆∞ ∫∆πƒπø¡ ∫∞π °∫∂∆√


    ∆fiÛÔ Ë ¤Í·ÚÛË Ù˘ ˙‹ÙËÛ˘ ÛÙËÓ ÔÈÎÔ‰ÔÌÈ΋ ‚ÈÔÌ˯·Ó›·, fiÛÔ Î·È ÔÈ ÈÔ ¿Óˆ
    ·ÁÔÚ¤˜ Îϛ̷η˜, ¤¯Ô˘Ó ÌÂÈÒÛÂÈ ÙËÓ ·Ú¯ÈÙÂÎÙÔÓÈ΋ ÔÈfiÙËÙ·, fiÛÔ Î·È ÙËÓ
    ÔÈfiÙËÙ· ηٷÛ΢‹˜ (·Ú¿‰ÂÈÁÌ· ¶¿ÊÔ˘ Î·È √ÚfiÎÏÈÓ˘), ÂÓÒ ‰Â›ÁÌ·Ù·
    η΋˜ Û˘ÓÙ‹ÚËÛ˘ Î·È ‰ËÌÈÔ˘ÚÁ›·˜ ÁΤÙÔ Í¤ÓˆÓ Â›Ó·È ϤÔÓ ÂÌÊ·Ó‹.

    ¢π∂∫¢π∫∏™∂π™ •∂¡ø¡
    ∏ Û˘Ó¿ıÚÔÈÛË Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ ÛÂ Û˘ÁÎÂÎÚÈ̤Ó˜ ÂÚÈÔ¯¤˜, ¤¯ÂÈ ÚÔηϤÛÂÈ Î·È
    ÙËÓ ··›ÙËÛË ÙÔ˘˜ ÁÈ· ÙËÓ ÔÚÁ·ÓˆÌ¤ÓË ÙÔ˘˜ ϤÔÓ ÂÎÚÔÛÒËÛË ÛÙȘ ÙÔÈΤ˜
    ·Ú¯¤˜. ∆Ô ÙÂÏÂ˘Ù·›Ô ·Ú¿‰ÂÈÁÌ· ‰ÈÂΉ›ÎËÛ˘ ı¤ÛÂˆÓ ÙÔÈÎÒÓ ·Ú¯ÒÓ ÛÙËÓ
    ¶¤ÁÂÈ· ·fi ͤÓÔ˘˜, Â›Ó·È Ë ÚÒÙË ¤Ó‰ÂÈÍË ·˘Ù‹˜ Ù˘ Ù¿Û˘. ™ÙÔ ¿ÌÂÛÔ
    ̤ÏÏÔÓ, 3-5 ¯ÚfiÓÈ·, ÔÈ Í¤ÓÔÈ ı· ÌÔÚÔ‡Ó Ó· ‰ÈÂΉÈÎÔ‡Ó ϤÔÓ ·ÍÈÒÌ·Ù· ÛÂ
    ÙÔÈΤ˜ ·Ú¯¤˜ Î·È ¿ÏÏ· ÔÏÈÙÂȷο ·ÍÈÒÌ·Ù·, Ô˘ Èı·ÓÒ˜ Ó· Ô‰ËÁÔ‡Ó ÙȘ
    ·Ú¯¤˜ ·˘Ù¤˜ Û ¿ÏϘ ηÙ¢ı‡ÓÂȘ ·fi ÂΛӘ ÙȘ ÂÈı˘Ì›Â˜ ÙˆÓ ÓÙfiȈÓ.
    ã∏‰Ë ÔÚÈṲ̂ӷ ¯ˆÚÈ¿ fiˆ˜ ¶¤ÁÂÈ·, √ÚfiÎÏÈÓË, ™ˆÙ‹Ú·, ¶fiÏȘ ÎÏ, ¤¯Ô˘Ó
    ͤÓÔ˘˜ Èı·ÓÔ‡˜ „ËÊÔÊfiÚÔ˘˜ Ô˘ ÍÂÂÚÓÔ‡Ó ÙÔ 50% Û ÔÛÔÛÙfi ÙÔ˘
    Û˘ÓfiÏÔ˘ ÙˆÓ „ËÊÔÊfiÚˆÓ. ãπÛˆ˜ Î·È Ô ¢‹ÌÔ˜ ¶¿ÊÔ˘/ °ÂÚÔÛ΋Ô˘ Ó· ‚ÚÂı›
    ÛÙÔ Ì¤ÏÏÔÓ Û ·˘Ù‹Ó ÙËÓ Î·Ù¿ÛÙ·ÛË, fiˆ˜ Î·È ¿ÏϘ ÂÚÈÔ¯¤˜, Ì ٷ
    ·Ó¿ÏÔÁ· ÎÔÈÓˆÓÈο Î·È ¿ÏÏ· ÚÔ‚Ï‹Ì·Ù·.

    À¶∂ƒ-¶ƒ√™º√ƒ∞ ª√¡∞¢ø¡
    ∂›Ó·È ÔÚ·Ùfi˜ Î·È ÚԂϤ„ÈÌÔ˜ Ô Î›Ó‰˘ÓÔ˜ ˘ÂÚ-ÚÔÛÊÔÚ¿˜ ÌÔÓ¿‰ˆÓ, Ì ٷ
    Ó¤· ·Ó·ÌÂÓfiÌÂÓ· Á‹‰· ÁÎÔÏÊ (¤ÛÙˆ ·fi Ù· 11 ·ÈÙËı¤ÓÙ· Á‹‰· ı·
    ·Ó·Ù˘¯ıÔ‡Ó ÌfiÓÔ 4-6 Á‹‰·), Ô˘ ÛÙÔ Û‡ÓÔÏÔ ÙÔ˘˜ ı· ÚÔÛʤÚÔ˘Ó
    ÚfiÛıÂÙË ÚÔÛÊÔÚ¿ ÌÔÓ¿‰ˆÓ, Á‡Úˆ ÛÙ˜ 3.000-4.000 ηÙÔÈ˘ Î·È Ì·˙›
    Ì ÙȘ ηÙÔÈ˘ Ô˘ ÚԂϤÔÓÙ·È ÁÈ· ÙȘ Ì·Ú›Ó˜, Ó· ·˘Í‹ÛÂÈ ÙÔÓ ·ÚÈıÌfi ·˘Ùfi
    Ì ÚfiÛıÂÙ˜ 800 ÌÔÓ¿‰Â˜, ϤÔÓ Á‡Úˆ ÛÙȘ 1.500 ÌÔÓ¿‰Â˜ ·fi ÙËÓ
    ·Ó·Î·Ù·Û΢‹ ÙÔ˘ §È̤ÓÔ˜ §¿ÚÓ·ÎÔ˜. ∆· ¤ÚÁ· ·˘Ù¿ (Ì·˙› Ì ÙÔ Ó¤Ô ¤ÚÁÔ
    ¡Â¿ÔÏ˘ ÛÙËÓ ¶¿ÊÔ Ì 480.000 Ù.Ì. ·Ó¿Ù˘Í˘), ı· ÂÈÛ¿ÍÔ˘Ó ÛÙËÓ ·ÁÔÚ¿
    ÙÔÓ ·ÚÈıÌfi ·˘Ùfi ۯ‰fiÓ Ù·˘Ùfi¯ÚÔÓ·, ÂËÚ¿˙ÔÓÙ·˜ fi¯È ÌfiÓÔ Ù· ›‰È· ·˘Ù¿
    ¤ÚÁ· Î·È ÙÔ˘˜ ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘, ·ÏÏ¿ Î·È ÙÔ˘˜ ˘fiÏÔÈÔ˘˜, ÏfiÁˆ
    ·˘ÍË̤Ó˘ ÚÔÛÊÔÚ¿˜ - Ì ·ÔÙ¤ÏÂÛÌ· ÙfiÛÔ ÙËÓ Ì›ˆÛË ÙˆÓ ÙÈÌÒÓ, fiÛÔ Î·È
    ÙËÓ ÔÈfiÙËÙ· ÙˆÓ Î·Ù·Û΢ÒÓ. ã∂¯ÔÓÙ·˜ ˘fi„Ë fiÙÈ Ô ·ÚÈıÌfi˜ ÙˆÓ ÌÔÓ¿‰ˆÓ
    Ô˘ ‰È·Ù›ıÂÙ·È ·Ó¿ ¤ÙÔ˜ ÛÙȘ ÂχıÂÚ˜ ÂÚÈÔ¯¤˜ Û ͤÓÔ˘˜ Â›Ó·È Á‡Úˆ ÛÙ˜
    5.000 ÙÔÓ ¯ÚfiÓÔ, ÔÈ ÚÔ·Ó·ÊÂÚı›Û˜ "ÚÔÛÊÔÚ¤˜" ı· ¤¯Ô˘Ó ÙÔÓ ·Ó¿ÏÔÁÔ
    ·ÓÙ›ÎÙ˘Ô.

    AY™∆∏ƒ√∆∏∆∞ ∆ƒ∞¶∂∑ø¡
    ∏ ÂÊ·ÚÌÔÁ‹ Ó¤ˆÓ ·˘ÛÙËÚÒÓ Ì¤ÙÚˆÓ ·fi ÙËÓ 1.1.2006, fiÛÔÓ ·ÊÔÚ¿ ÙËÓ
    ÏËڈ̋ ¯ÚÂÒÓ, ÙËÓ ˘¤Ú‚·ÛË ÔÚ›ˆÓ, ÙËÓ ¯Ú¤ˆÛË ÚfiÛıÂÙˆÓ ÙfiÎˆÓ ÂÓÙfi˜
    Ù˘ ÂÚÈfi‰Ô˘ ˘¤Ú‚·Û˘, ÙÔ ÂχıÂÚÔ ÂÈÙfiÎÈÔ, Ô˘ Û ÂÚ›ÙˆÛË "non-
    performing loans" Êı¿ÓÂÈ Î·È ÙÔ 11%, ˆ˜ Â›Û˘ Î·È Ë Ù˘¯fiÓ ÂÊ·ÚÌÔÁ‹ Ù˘

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


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    ÚfiÙ·Û˘ ÁÈ· ‰È¿ıÂÛË ˘ÔıËÎÂ˘Ì¤ÓˆÓ ·ÎÈÓ‹ÙˆÓ Û 3-4 Ì‹Ó˜ ·ÓÙ› ÙˆÓ 5-8
    ¯ÚfiÓˆÓ Î·È È‰È·›ÙÂÚ· Ë Ó¤· Ô‰ËÁ›· Ù˘ ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ ÁÈ· ÙÔ 40% (Ô˘
    ›Ûˆ˜ Ó· ·˘ÍËı› Û ÌÂÁ·Ï‡ÙÂÚÔ ÔÛÔÛÙfi) ·ÏÏ¿ Î·È Ë ÈÔ ·˘ÛÙËÚ‹ ÂÈÙ‹ÚËÛË
    Ù˘ ÚÔ˜ ÙȘ ÂÌÔÚÈΤ˜ ÙÚ¿Â˙˜, Â›Ó·È ÂÈϤÔÓ ·Ú¿ÁÔÓÙ˜ Ô˘ ı·
    ÂËÚ¿ÛÔ˘Ó ÙËÓ ·ÁÔÚ¿ ·Ú¯Èο ·ÚÓËÙÈο, ·ÏÏ¿ ÌÂÛÔ-Ì·ÎÚÔ¯ÚfiÓÈ· ıÂÙÈο.

    A¡∞¶∆À•∂π™ Ãøƒπ™ ∞¢∂π∂™


    ∏ ¤Í·ÚÛË Ù˘ ˙‹ÙËÛ˘ ÛÂ Û˘Ó‰˘·ÛÌfi Ì ÙȘ ηı˘ÛÙÂÚ‹ÛÂȘ ÛÙËÓ ¤Î‰ÔÛË
    ¿‰ÂÈ·˜ ÔÈÎÔ‰ÔÌ‹˜, ¤¯ÂÈ ‰ËÌÈÔ˘ÚÁ‹ÛÂÈ ·Ó·Ù‡ÍÂȘ Ô˘ ›Ù ‚Ú›ÛÎÔÓÙ·È ÛÙ· ¯·ÚÙÈ¿,
    ‹ ¿Ïψ˜ ˆ˜, ¯ˆÚ›˜ ¿‰ÂȘ. ã∏‰Ë ÚfiÛÊ·Ù˜ ˆÏ‹ÛÂȘ ηÙÔÈÎÈÒÓ Û ·Ó‡·ÚÎÙ·
    Á‹‰· ÁÎÔÏÊ Î·È Û ÌÂÙ·ÙÚÂfiÌÂÓ· ÍÂÓԉԯ›· ÛÙÔ ·Ú·ÏÈ·Îfi ̤وÔ, ÁÈ·
    ÙȘ Ôԛ˜ Ô‡ÙÂ Î·Ó ÔÈ ·ÈÙ‹ÛÂȘ ÁÈ· ηٿٷÍË/ ÌÂÙ·ÙÚÔ‹ ÙÔ˘˜ ˆ˜ Ù¤ÙÔÈ· ‰ÂÓ
    ¤¯Ô˘Ó Î·Ó ˘Ô‚ÏËı› Î·È ÁÈ· ÚÒÙË ÊÔÚ¿ Ó· ÂÌÊ·Ó›˙ÔÓÙ·È ÔÏfiÎÏËÚ· ¤ÚÁ·
    ¯ˆÚ›˜ ·ÚÔ¯‹ Ú‡̷ÙÔ˜ (‰ÈfiÙÈ Ë ∞∏∫ ‰ÂÓ ÙÔ˘˜ ·Ú¤¯ÂÈ Ú‡̷ ÏfiÁˆ
    ·Ó˘·ÚÍ›·˜ ·‰ÂÈÒÓ), Â›Ó·È ·Ú¿‰ÂÈÁÌ· Û‹Ì·ÓÛ˘ ÎÈÓ‰‡ÓÔ˘.

    ∆√Àƒ∫√∫ƒ∞∆√Àª∂¡∞
    √È ÚfiÛÊ·Ù˜ ÂÍÂÏ›ÍÂȘ Î·È Ë ÌË ÔÚ·Ù‹ Â›Ù¢ÍË Ï‡Û˘ ÙÔ˘ ∫˘ÚÈ·ÎÔ‡, ¤¯Ô˘Ó
    ÂÓı·ÚÚ‡ÓÂÈ ÙȘ ˆÏ‹ÛÂȘ ÛÙ· ∆/∫Ú·ÙÔ‡ÌÂÓ·, Ô˘ ı· ηıÈÂÚˆıÔ‡Ó ϤÔÓ ˆ˜ ¤Ó·˜
    ÛÔ‚·Úfi˜ ·ÓÙ·ÁˆÓÈÛÙÈÎfi˜ ÚÔÔÚÈÛÌfi˜ ÙˆÓ ÂχıÂÚˆÓ ÂÚÈÔ¯ÒÓ. ∏ ÙÂÏÈ΋
    ·fiÊ·ÛË ÛÙ· µÚÂÙ·ÓÈο ¢ÈηÛÙ‹ÚÈ· ÁÈ· ÙËÓ ˘fiıÂÛË Orams-∞ÔÛÙÔÏ›‰Ë, ı·
    Â›Ó·È Î·ıÔÚÈÛÙÈ΋, ˆ˜ Â›Û˘ Î·È Ë ·Ô‰Ô¯‹ ‹ fi¯È ·fi ÙÔ ∂˘Úˆ·˚Îfi
    ¢ÈηÛÙ‹ÚÈÔ ÙÔ˘ ı¤Ì·ÙÔ˜ Ù˘ ÓÔÌÈÌfiÙËÙ·˜ ÙˆÓ ·Ô˙ËÌÈÒÛÂˆÓ ÛÙ·
    ∆/∫Ú·ÙÔ‡ÌÂÓ· (ÙÔ˘ ÔÏÈÙÈÎÔ‡ ÚÔ‚Ï‹Ì·ÙÔ˜ ÂÎÙfi˜). ∏ ÂӉȿÌÂÛË ·fiÊ·ÛË
    Orams ¤¯ÂÈ ÂÓı·ÚÚ‡ÓÂÈ Í¤ÓÔ˘˜ ÂÂÓ‰˘Ù¤˜, ÂÓÒ Ë Í·ÊÓÈ΋ ·‡ÍËÛË ÂϤÁ¯Ô˘
    ÂΠ̤ÚÔ˘˜ Ù˘ ¢ËÌÔÎÚ·Ù›·˜ Û ͤÓÔ˘˜ Î·È ÙËÓ Û‡ÏÏË„Ë ÙÔ˘ ˙‡ÁÔ˘˜ ƒÒÛˆÓ,
    ÁÈ· ·ÁÔÚ¿ ηÙÔÈΛ·˜ ÛÙ· ∆/∫Ú·ÙÔ‡ÌÂÓ·, Â›Ó·È ¤Ó· ıÂÙÈÎfi ÛÙÔȯ›Ô
    ÂÚÈÔÚÈÛÌÔ‡. ∏ ÚÔÛ¿ıÂÈ· ÂÚÈÔÚÈÛÌÔ‡ Ù˘ ˙‹ÙËÛ˘ ·fi ͤÓÔ˘˜ ÁÈ· Ù·
    ∆/∫Ú·ÙÔ‡ÌÂÓ· Â›Ó·È Û¯ÂÙÈο ‡ÎÔÏË Î·È ·Ó·ÊÂÚfiÌÂı· Â‰Ò ÛÙËÓ ·‰Ú¿ÓÂÈ·
    ÙÔ˘ ∫Ú¿ÙÔ˘˜, ·Ú’ fiÏ˘ Ù˘ ˘Ô‚ÔÏ‹˜ ÂΠ̤ÚÔ˘˜ Ì·˜ ÂÓfi˜ Ï¿ÓÔ˘
    Ú·ÎÙÈÎÒÓ Ì¤ÙÚˆÓ (¯ˆÚ›˜ „ËÏfi ÎfiÛÙÔ˜), ÙÔ ÔÔ›Ô ·Ó·Ì¤ÓÂÈ ÙËÓ ÂÎÙ¤ÏÂÛ‹ ÙÔ˘.
    ∂›Ó·È ÚÔÛÂÎÙfi fiÙÈ ÙÔ Î‡ÚÈÔ ÂÈÛfi‰ËÌ· ÙˆÓ ∆/∫ Â›Ó·È ÔÈ ˆÏ‹ÛÂȘ ·ÎÈÓ‹ÙÔ˘ ÛÂ
    ͤÓÔ˘˜. ™‡Ìʈӷ Ì ÙÔÓ Economist, ÔÈ ∆/∫‡ÚÈÔÈ ÙÒÚ· ¤¯Ô˘Ó ηٿ ÎÂÊ·Ï‹
    ÂÈÛfi‰ËÌ· ÂÚ› ÙÔ 50% ÙÔ˘ ÂÈÛÔ‰‹Ì·ÙÔ˜ ÙˆÓ ÂχıÂÚˆÓ ÂÚÈÔ¯ÒÓ Î·È
    ·Ó·Ì¤ÓÂÈ ÌÈ· Â͛ۈÛË ÙˆÓ ÂÈÛÔ‰ËÌ¿ÙˆÓ ÙˆÓ ‰‡Ô ÛÙÔ ¤ÙÔ˜ 2014.
    ∏ ˙‹ÙËÛË ÁÈ· Ù· ηÙ¯fiÌÂÓ· ÂÍ·ÚÙ¿Ù·È Î·È ·fi ÙËÓ ‰È·ÊÔÚ¿ ÛÙȘ ÙÈ̤˜ ÙˆÓ
    ÂχıÂÚˆÓ ÂÚÈÔ¯ÒÓ Û ۯ¤ÛË Ì ٷ ∆/∫Ú·ÙÔ‡ÌÂÓ·. ∞fi Ù· ‰È¿ÊÔÚ·
    ‰ËÌÔÛȇ̷ٷ Ê·›ÓÂÙ·È fiÙÈ Ë ·Ú¯È΋ ‰È·ÊÔÚ¿ Ô˘ ˘‹Ú¯Â ÌÂٷ͇ ÙˆÓ ‰‡Ô
    Á‡Úˆ ÛÙÔ 50% (2004/5), Ë ‰È·ÊÔÚ¿ ·˘Ù‹ ¤¯ÂÈ ÌÂȈı› Û Â›‰· ÙÔ˘ 30%
    (ÈÔ ·ÎÚÈ‚¿ ÛÙ˜ ÂχıÂÚ˜ ÂÚÈÔ¯¤˜). ∞˘Ùfi ı· ‚ÔËı‹ÛÂÈ ÌÂÓ ÛÙËÓ Ì›ˆÛË
    Ù˘ ˙‹ÙËÛ˘ ÁÈ· Ù· ∆/∫Ú·ÙÔ‡ÌÂÓ·, fiˆ˜ ¤¯ÂÈ ‚ÔËı‹ÛÂÈ Î·È Ë ÌË ‰˘Ó·ÙfiÙËÙ·
    ‰·ÓÂÈÔ‰fiÙËÛ˘ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ Â›Ù ·fi ͤÓ˜, ›Ù ·fi ∆Ô˘ÚÎÈΤ˜

    48
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    ÙÚ¿Â˙˜ ÁÈ· Ù¤ÙÔȘ ·ÁÔÚ¤˜, (ÂÓÒ ÙÒÚ· Á›ÓÔÓÙ·È ÚÔÛ¿ıÂȘ ÂΠ̤ÚÔ˘˜ ÙÔ˘
    "∫Ú¿ÙÔ˘˜" Ó· ÚÔÛÂÏ΢ÛıÔ‡Ó ¯ÚËÌ·ÙÔ‰fiÙ˜ ÁÈ· Ó· Î·Ï˘Êı› ·˘Ùfi ÙÔ ÎÂÓfi).
    ∂›Ó·È ÚÔÛÂÎÙfi fiÙÈ ÙÔ ∆.∫. «∫Ú¿ÙÔ˜» ÎÂÚ‰›˙ÂÈ Û˘Ó¯Ҙ ·Ó·ÁÓÒÚÈÛË ·fi ÙËÓ
    ‰ÈÂıÓ‹ ·ÁÔÚ¿ (·ÎÈÓ‹ÙˆÓ) Î·È Â¿Ó Á›ÓÂÈ Î·ÙÔÚıˆÙ‹ Ë Û‡Ó‰ÂÛË ÙÔ˘ ·¢ı›·˜
    Ì ÙÔ Â͈ÙÂÚÈÎfi, ÙfiÙ ٷ Ú¿ÁÌ·Ù· ı· Â›Ó·È ÁÈ· Ù· ∆/∫Ú·ÙÔ‡ÌÂÓ· Ôχ ıÂÙÈο,
    Ì ÙÔÓ ·Ó¿ÏÔÁÔ ·ÓÙ›ÎÙ˘Ô ÛÙ· ·Î›ÓËÙ· ÛÙ˜ ÂχıÂÚ˜ ÂÚÈÔ¯¤˜ (ÔÈ ÔÏÈÙÈΤ˜
    ÚÔÂÎÙ¿ÛÂȘ ÂÈϤÔÓ). ¢ËÌÔÛÈÔÁÚ·ÊÈΤ˜ ÏËÚÔÊÔڛ˜ ·Ó·Ê¤ÚÔ˘Ó fiÙÈ ÛÙËÓ
    ∆/∫Ú·ÙÔ‡ÌÂÓË ÂÚÈÔ¯‹ ˘¿Ú¯Ô˘Ó Á‡Úˆ ÛÙÔ˘˜ 8.700 ͤÓÔ˘˜ ·ÁÔÚ·ÛÙ¤˜ ·fi
    ÙÔ˘˜ ÔÔ›Ô˘˜ ÙÔ 92% ·ÔÙÂÏÔ‡Ó µÚÂÙ·ÓÔ› Î·È Â›Ó·È ÚÔÛÂÎÙfi fiÙÈ Ì¤¯ÚÈ ÙÔ
    ¤ÙÔ˜ 2006 ‰fiıËÎ·Ó ¿‰ÂȘ ·fi ÙÔ «∫Ú¿ÙÔ˜» Ó· ·ÁÔÚ¿ÛÔ˘Ó 2.560 ͤÓÔÈ,
    ÂÓÒ ÌÂÙ¿ ÂÎÎÚÂÌÔ‡Ó (̤¯ÚÈ Û‹ÌÂÚ·) ·ÎfiÌË 4.590 ¿‰ÂȘ, ‰ËÏ·‰‹ ÛÙ·
    ÙÂÏÂ˘Ù·›· ‰‡Ô ¯ÚfiÓÈ· ˘¿Ú¯Ô˘Ó ‰ÈÏ¿ÛȘ ˆÏ‹ÛÂȘ ·ÎÈÓ‹ÙˆÓ ÛÙ·
    ∆/∫Ú·ÙÔ‡ÌÂÓ· ÁÈ· fiÏ· Ù· ¯ÚfiÓÈ· Ù˘ ηÙÔ¯‹˜.

    ¶∞ƒ∞¡√ª√π ∫∆∏ª∞∆√ª∂™π∆∂™
    •¤ÓÔÈ ·Ú¿ÓÔÌÔÈ ∫ÙËÌ·ÙÔÌÂÛ›Ù˜ Î·È ¿ÏÏÔÈ Ì ÔÏÈÙÈΤ˜ ‰È·Û˘Ó‰¤ÛÂȘ (›‰Â
    ÚfiÛÊ·ÙË ÚÔÛ¿ıÂÈ· Ù˘ µÔ˘Ï‹˜ ÁÈ· ¤ÁÎÚÈÛË ‰È·ÊÔÚÔÔ›ËÛ˘ ÙÔ˘ ÓfiÌÔ˘
    ÂÚ› ∫ÙËÌ·ÙÔÌÂÛÈÙÒÓ, ÁÈ· Ó· ‚ÔϤ„ÂÈ ÔÚÈṲ̂ÓÔ˘˜ ͤÓÔ˘˜ ∫ÙËÌ·ÙÔÌÂÛ›Ù˜),
    Â›Ó·È ·Ú¿‰ÂÈÁÌ· ·ÓËÛ˘¯›·˜. ∏ ı¤ÛË Ù˘ ∂.∂., Â›Ó·È ·ÓÂÍ¿ÚÙËÙ· ÁÓÒÛˆÓ,
    ͤÓÔ˜ ÎÙËÌ·ÙÔÌÂÛ›Ù˘ Ù˘ ∂.∂. Ó· ÌÔÚ› Ó· ÂÚÁ·Ûı› ˆ˜ Ù¤ÙÔÈÔ˜ ÛÙËÓ ∫‡ÚÔ.
    ∆Ô Ì¤ÙÚÔ ·˘Ùfi ¤¯ÂÈ ‹‰Ë ˘ÈÔıÂÙËı› Ì ÙËÓ ÙÚÔÔÔ›ËÛË ÙÔ˘ ÓfiÌÔ˘ Û οÔÈÔ
    ‚·ıÌfi, ·ÏÏ¿ Ë ·‰˘Ó·Ì›· ÙÔ˘ ÓfiÌÔ˘ Î·È Ë ·‰Ú¿ÓÂÈ· Ù˘ ·ÛÙ˘ÓÔÌ›·˜ Ó·
    ΢ÓËÁ‹ÛÂÈ ÙÔ˘˜ ·Ú¿ÓÔÌÔ˘˜ ÎÙËÌ·ÙÔÌÂÛ›Ù˜ Â›Ó·È ¤Î‰ËÏË, ÂÊfiÛÔÓ ÔÈ
    ÙÂÏÂ˘Ù·›ÔÈ ‰È·ÊËÌ›˙Ô˘Ó ·Î›ÓËÙ· ÛÙ· ª.ª.∂. ø˜ ÂÎ ÙÔ‡ÙÔ˘ Ë ÚÔÛÙ·Û›· ÙÔ˘
    ÎÔÈÓÔ‡ ÂÚÈÔÚ›˙ÂÙ·È Û ÂÈΛӉ˘Ó· Â›‰·.

    ¡∂√π ∂π¢√À™ "∆π∆§√π"


    √È ¯ÚÔÓÔ‚fiÚ˜ ‰È·‰Èηۛ˜ ÛÙËÓ ÂÍ·ÛÊ¿ÏÈÛË ¿‰ÂÈ·˜/¤Î‰ÔÛ˘ Ù›ÙψÓ
    ȉÈÔÎÙËÛ›·˜ Î·È Ë ÌË ÂÈÙ˘¯›· Ù˘ ÔÈÎÔ‰ÔÌÈ΋˜ ·ÌÓËÛÙ›·˜, ¤¯ÂÈ ÚÔηϤÛÂÈ ÙÔ
    Ó¤Ô Ê·ÈÓfiÌÂÓÔ ÌÂÙ·‚›‚·Û˘ ÌÔÓ¿‰ˆÓ ˘fi ÌÔÚÊ‹ ÌÂÚȉ›ˆÓ (ȉȷ›ÙÂÚ· ÛÙËÓ
    ÂÚÈÔ¯‹ ∞ÌÌÔ¯ÒÛÙÔ˘) Ô˘ ı· ÂÍÂÏȯı› Ì ̷ıËÌ·ÙÈ΋ ·ÎÚ›‚ÂÈ·, Û 3-5
    ¯ÚfiÓÈ·, Û ¤Ó· ÙÂÚ¿ÛÙÈÔ È‰ÈÔÎÙËÛÈ·Îfi Î·È ÎÔÈÓˆÓÈÎfi Úfi‚ÏËÌ·.

    ∞¶√™Àƒ™∏ •∂¡√¢√Ã∂π∞∫ø¡ ∫§π¡ø¡


    MÂÙ¿ ·fi 3 ‰È·ÊÔÚÂÙÈΤ˜ ·ÔÊ¿ÛÂȘ ÙÔ˘ ÀÔ˘ÚÁÈÎÔ‡ ™˘Ì‚Ô˘Ï›Ô˘, Ë ÙÂÏÂ˘Ù·›·
    ÚfiÙ·ÛË ÁÈ· ·ÓÂͤÏÂÁÎÙË ·fiÛ˘ÚÛË ÍÂÓÔ‰Ô¯ÂÈ·ÎÒÓ ÎÏÈÓÒÓ Î·È Ë ¯Ú‹ÛË
    ÙÔ˘ÚÈÛÙÈÎÒÓ ¤ÚÁˆÓ ÁÈ· ÔÈÎÈÛÙÈΤ˜ Î·È ¿ÏϘ ¯Ú‹ÛÂȘ, ı· ÚÔÛÂÏ·ÛÂÈ Î˘Ú›ˆ˜
    ÙȘ ηχÙÂÚ˜ ÌÔÓ¿‰Â˜, ÂÓÒ ÔÈ ÌÈÎÚ¤˜ ÔÈÎÔÁÂÓÂȷΤ˜ ÂȯÂÈÚ‹ÛÂȘ ¯·ÌËÏ‹˜
    ÔÈfiÙËÙ·˜ (Ô˘ ÙÔ Ì¤ÙÚÔ ·˘Ùfi ¤¯ÂÈ ˆ˜ ÛÙfi¯Ô) ‰ÂÓ ı· ÙÔ ˘ÈÔıÂÙ‹ÛÔ˘Ó,
    ÚÔηÏÒÓÙ·˜ Î·È Â‰Ò ·‡ÍËÛË Ù˘ ÚÔÛÊÔÚ¿˜ Î·È Ì›ˆÛË Ù˘ ÔÈfiÙËÙ·˜ ÙˆÓ
    ÙÔ˘ÚÈÛÙÈÎÒÓ ¤ÚÁˆÓ (Ì ٷ ·Ó¿ÏÔÁ· ·ÔÙÂϤÛÌ·Ù·). ∆· ÚfiÛÊ·Ù· ·Ú·‰Â›ÁÌ·Ù·
    Ù¤ÙÔÈˆÓ ÌÂÙ·ÙÚÔÒÓ ÛÙËÓ §ÂÌÂÛfi Î·È ¶·Ú·Ï›ÌÓÈ, Â›Ó·È ·Ú·‰Â›ÁÌ·Ù· ÚÔ˜

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 50

    ÚÔ‚ÏËÌ·ÙÈÛÌfi. ∂ΛÓÔ Ô˘ ı· ı¤Ï·Ì ӷ ÙÔÓ›ÛÔ˘ÌÂ Â›Ó·È fiÙÈ ˆ˜ ÌÚÔÛÙ¿


    ÛÙ· Ì¿ÙÈ· ÙˆÓ ∞Ú¯ÒÓ ·Ê¤ıËÛ·Ó Ó· ÌÂÙ·ÙÚ·Ô‡Ó Á‡Úˆ ÛÙ˜ 38 ÙÔ˘ÚÈÛÙÈΤ˜
    ÌÔÓ¿‰Â˜ ¯ˆÚ›˜ η̛· ¿‰ÂÈ· (ÔÈ Ï›ÛÙ˜) Î·È ·ÊÔ‡ ÔÈ ·Ú¿ÓÔÌÔÈ ·˘ÙÔ›
    ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘ ‰È·Ê‹ÌÈ˙·Ó ηٿ ÎfiÚÔÓ ÛÙ· ª.ª.∂. Î·È Â› ÙfiÔ˘!

    °∏¶∂¢∞ °∫√§º
    ∆Ș ÂÈÊ˘Ï¿ÍÂȘ Ì·˜ ÁÈ· Ù· ΛÓËÙÚ· ÁÈ· Ù· Á‹‰· ÁÎÔÏÊ ÙȘ ¤¯Ô˘Ì ˘Ô‚¿ÏÂÈ
    ÛÙÔ ÚÒÙÔ Ù‡¯Ô˜ ÙÔ˘ ‰Â›ÎÙË. ∂Ï›˙Ô˘Ì fiÙÈ Ù· ΛÓËÙÚ· ·˘Ù¿ Ó· ·Ó·ıˆÚËıÔ‡Ó
    Î·È ‚¿ÛÂÈ ÙˆÓ ÂÈÛËÁ‹ÛÂˆÓ Ì·˜.
    ∆Ô ∫Ú¿ÙÔ˜ Ì ٷ ΛÓËÙÚ· Ô˘ ˘¿Ú¯Ô˘Ó, ‰ÂÓ ı· ÂÙ‡¯ÂÈ ÙÔ˘˜ ÛÙfi¯Ô˘˜ ÙÔ˘
    ÔÈÔÙÈÎÔ‡ ÙÔ˘ÚÈÛÌÔ‡, ·Ú¿ ÌfiÓÔ ÙËÓ ‰ËÌÈÔ˘ÚÁ›· ÌÈ·˜ Ó¤·˜ ÁÂÓ¿˜
    ÂηÙÔÌÌ˘ÚÈÔ‡¯ˆÓ ÂȯÂÈÚËÌ·ÙÈÒÓ ·Ó¿Ù˘Í˘ ·ÎÈÓ‹ÙˆÓ. ∆·˘Ùfi¯ÚÔÓ· ı·
    ÚÔηϤÛÂÈ ·ı¤ÌÈÙÔ ·ÓÙ·ÁˆÓÈÛÌfi ÙˆÓ ˘ÊÈÛÙ¿ÌÂÓˆÓ ‰˘ÛÚ·ÁÔ‡ÓÙˆÓ
    ÍÂÓԉԯ›ˆÓ Ì·˜ Î·È ·ÛÊ·ÏÒ˜ ÙÔÓ ¿‰ÈÎÔ ·ÓÙ·ÁˆÓÈÛÌfi ÂȘ ‚¿ÚÔ˜ ÙˆÓ
    ÂηÙÔÓÙ¿‰ˆÓ ˘fiÏÔÈˆÓ ÂȯÂÈÚËÌ·ÙÈÒÓ ·Ó¿Ù˘Í˘, Ô˘ ‰ÂÓ ¤Ù˘¯·Ó ·˘ÙÔ‡
    ÙÔ˘ ¢ÂÚÁÂÙ‹Ì·ÙÔ˜.
    ∞ÔÙ¤ÏÂÛÌ· ·˘ÙÒÓ Î·È ÙˆÓ ¿ÏÏˆÓ ·ÓËÛ˘¯ÈÒÓ Ì·˜, ı· Â›Ó·È Ë Èı·Ó‹
    ·fiÎÙËÛË Ù˘ ∫‡ÚÔ˘ ηÎÔ‡ ÔÓfiÌ·ÙÔ˜, ˆ˜ ÌÈ· ÂÈΛӉ˘ÓË ·ÁÔÚ¿ ÛÙÔ ‰ÈÂıÓ¤˜
    ÂÌfiÚÈÔ Ù˘ ÂÍÔ¯È΋˜ ηÙÔÈΛ·˜, Ì ٷ ·Ó¿ÏÔÁ· ·ÚÓËÙÈο ·ÔÙÂϤÛÌ·Ù·.

    º.¶.∞
    ∏ ÂÈ‚ÔÏ‹ ÙÔ˘ º.¶.∞. ÛÙȘ Ӥ˜ ÔÈÎÔ‰Ô̤˜ ›¯Â ˆ˜ ·ÔÙ¤ÏÂÛÌ· ÙËÓ ·‡ÍËÛË
    ÙÔ˘ ÎfiÛÙÔ˜ ·ÁÔÚ¿˜ ηٿ 7%-8% ÂÚ›Ô˘, Û ۯ¤ÛË Ì ÙȘ ÚÔ ÙÔ º.¶.∞.
    ÙÈ̤˜. ∞˘Ùfi ¤¯ÂÈ ‰˘ÛÎÔϤ„ÂÈ ·ÎfiÌË ÂÚÈÛÛfiÙÂÚÔ ÙÔ˘˜ ·ÁÔÚ·ÛÙ¤˜/ ÂÂÓ‰˘Ù¤˜,
    ¿ÓÎ·È Û ÂÚÈÙÒÛÂȘ ·ÁÔÚ¿˜/·Ó¤ÁÂÚÛ˘ Ù˘ ÚÒÙ˘ ηÙÔÈΛ·˜ (Ì ÙËÓ
    ·Ó¿ÏÔÁË ÂȯÔÚ‹ÁËÛË) ÙÔ ÎfiÛÙÔ˜ Û ٤ÙÔȘ ÂÚÈÙÒÛÂȘ ı· Â›Ó·È ÈÔ Î¿Ùˆ
    ·fi ÙËÓ ÚÔ º.¶.∞. ÂÔ¯‹.
    ∆Ô º.¶.∞. ÛÙ· ÔÈÎfi‰·/¯ˆÚ¿ÊÈ· ÌÂÙ¿ ÙÔÓ 7/2008 fï˜ ı· ¤¯ÂÈ ÛÔ‚·Úfi
    ·ÓÙ›ÎÙ˘Ô Ì ٷ ·Ó¿ÏÔÁ· ·ÚÓËÙÈο ·ÔÙÂϤÛÌ·Ù·, Ì ·Ó·ÌÂÓfiÌÂÓË ·‡ÍËÛË Ù˘
    ˙‹ÙËÛ˘ ÁÈ· ÎÙ‹Ì·Ù· ·fi ·ÁÔÚ·ÛÙ¤˜, ȉȷ›ÙÂÚ· ·fi ÂȯÂÈÚË̷ٛ˜ ·Ó¿Ù˘Í˘
    ηٿ ÙËÓ ÂÚ›Ô‰Ô Ì¤¯ÚÈ ÙÔÓ 6/2008. ¡· ÛËÌÂȈı› Â‰Ò fiÙÈ ‰ÂÓ ¤¯ÂÈ
    ÍÂηı·Ú›ÛÂÈ ·ÎfiÌË Ô˘ ı· ÂÈ‚ÏËı› ÙÔ º.¶.∞. Î·È ÁÈ· ÔÈÔ˘˜. ∞˘Ùfi ›ӷÈ
    Ôχ ÂÚ›ÂÚÁÔ ‰ÈfiÙÈ Ë ·ÁÔÚ¿ ÙÒÚ· ‚Ú›ÛÎÂÙ·È ÛÙÔ ÛÎÔÙ¿‰È ÁÈ· ¤Ó· ̤ÙÚÔ Ô˘
    ı· ÂÊ·ÚÌÔÛı› Û 6 Ì‹Ó˜ ÂÚ›Ô˘.

    Ã∏ª∞∆√¢√∆∏™∂π™
    ã∞ÓÎ·È ˘¿Ú¯Ô˘Ó Ù· ‰Â‰Ô̤ӷ ÁÈ· ÂÈ‚Ú¿‰˘ÓÛË Ù˘ ˙‹ÙËÛ˘, Ù·˘Ùfi¯ÚÔÓ· ÔÈ
    ¯ÚËÌ·ÙÔ‰ÔÙÈÎÔ› ÔÚÁ·ÓÈÛÌÔ› ¤¯Ô˘Ó ÚÔÛʤÚÂÈ ÈÔ ÂÏ΢ÛÙÈÎÔ‡˜ fiÚÔ˘˜
    ¯ÚËÌ·ÙÔ‰fiÙËÛ˘ ÁÈ· ·ÁÔÚ¿ ÛÙ¤Á˘/ÂÂÓ‰‡ÛÂȘ Û ·Î›ÓËÙ· (Ì ÂÚ›Ô‰Ô
    ¯¿ÚÈÙÔ˜ ÁÈ· ۯ‰fiÓ ÔÏfiÎÏËÚË ÙËÓ ÂÚ›Ô‰Ô ·ÔÏËڈ̋˜, Ì ÏËڈ̋ ÌfiÓÔ
    ÙˆÓ ÙfiΈÓ, ÂÓÒ Ë ·ÛÊ·ÏÈÛÙÈ΋ Î¿Ï˘„Ë ˙ˆ‹˜ ‰ÂÓ Â›Ó·È ϤÔÓ 100%
    ··Ú·›ÙËÙË). ∞˘Ùfi ı· ÂÓı·ÚÚ‡ÓÂÈ ÙËÓ ·ÁÔÚ¿ ÙˆÓ ·ÎÈÓ‹ÙˆÓ. √È ¯ÚËÌ·ÙÔ‰ÔÙ‹ÛÂȘ
    ı· ÂÍ·ÚÙËıÔ‡Ó Î·È ·fi ÙÔ Â›Â‰Ô Ù˘ Ú¢ÛÙfiÙËÙ·˜ Ù˘ ·ÁÔÚ¿˜/ÙÚ·Â˙ÒÓ.
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    ªÂ ÙËÓ ¤ÓÙ·ÍË Ù˘ ∫‡ÚÔ˘ ÛÙËÓ √.¡.∂. ·Ó·Ì¤ÓÂÙ·È fiÙÈ Ù· ÂηÙÔÌ̇ÚÈ·


    ηٷı¤ÛÂˆÓ Û ͤÓÔ˘˜ ÏÔÁ·ÚÈ·ÛÌÔ‡˜ ÛÙ˜ ∫˘ÚȷΤ˜ ÙÚ¿Â˙˜, ı·
    ÌÔÚÔ‡Ó ÔÈ ÙÚ¿Â˙˜ Ó· Ù· ·Ú·¯ˆÚÔ‡Ó ˆ˜ ‰¿ÓÂÈ· (οÙÈ ÙÔ ÔÔ›Ô
    ··ÁÔÚ¢fiÙ·Ó ÚÈÓ) Î·È ·˘Ùfi ı· ‚ÔËı‹ÛÂÈ. ∆·˘Ùfi¯ÚÔÓ· Ë ÈÔ Â‡ÎÔÏË
    ¯ÚËÌ·ÙÔ‰fiÙËÛË ·fi ÙÔ Â͈ÙÂÚÈÎfi, ı· ·˘Í‹ÛÂÈ ÙËÓ ·ÓÙ·ÁˆÓÈÛÙÈÎfiÙËÙ· Î·È ›Ûˆ˜
    ÙËÓ ¯ÔÚ‹ÁËÛË ÙˆÓ ¯ÚËÌ·ÙÔ‰ÔÙ‹ÛˆÓ.
    √È Ó¤ÔÈ ÂÚÈÔÚÈÛÌÔ› Ù˘ ∫ÂÓÙÚÈ΋˜ ∆Ú¿Â˙·˜ ·Ó¤ÙÚ„·Ó ÙËÓ ÂÏ΢ÛÙÈÎfiÙËÙ· Ù˘
    ¯ÚËÌ·ÙÔ‰fiÙËÛ˘, ȉȷ›ÙÂÚ· ÁÈ· ÙËÓ ·ÁÔÚ¿ ÂÍÔ¯È΋˜ ηÙÔÈΛ·˜ Ì ȉȷ›ÙÂÚË
    ÚÔÛÔ¯‹ ÁÈ· ÙÔ˘˜ ͤÓÔ˘˜. √È Ó¤ÔÈ ÂÚÈÔÚÈÛÌÔ› ¤‰ÂÈÍ·Ó Ù· ·ÔÙÂϤÛÌ·Ù· ÌÂÙ¿
    ÙËÓ 31.12.07 fiÔ˘ ·Ú·ÙËÚ‹ıËΠοıÂÙË Ì›ˆÛË ·fi ͤÓÔ˘˜ ÏfiÁˆ ·˘ÙÔ‡
    ÙÔ˘ ÂÚÈÔÚÈÛÌÔ‡.

    ∫ƒÀº∞ ∫∂º∞§∞π∞
    ∆· ÎÚ˘Ê¿ ÎÂÊ¿Ï·È· Ù· ÔÔ›· ÙÒÚ· ¤¯Ô˘Ó ÂÈÛ¤ÏıÂÈ ÛÙËÓ ·ÁÔÚ¿, ·‡ÍËÛ·Ó ÙË
    ˙‹ÙËÛË ·fi ÂÂÓ‰˘Ù¤˜, ΢ڛˆ˜ fï˜ ÁÈ· ¯ˆÚ¿ÊÈ· Î·È ·Î›ÓËÙ· Ì ÂÈÛfi‰ËÌ·
    (Ì ·Ó·ÌÂÓfiÌÂÓË ·fi‰ÔÛË Á‡Úˆ ÛÙÔ 6%-7% Â› Ù˘ Â¤Ó‰˘Û˘). π‰ÈˆÙÈο ηÈ
    ¿ÏÏ· ÎÂÊ¿Ï·È· Ù·Ì›ˆÓ ÚÔÓÔ›·˜ ÎÏ, ¤¯Ô˘Ó ÛÙÚ¤„ÂÈ ÙËÓ ÚÔÛÔ¯‹ ÙÔ˘˜ ÛÙËÓ
    ∞ÁÔÚ¿ Î·È ·˘Ùfi, Ì·˙› Ì ÙÔ˘˜ ηχÙÂÚÔ˘˜ ¯ÚËÌ·ÙÔ‰ÔÙÈÎÔ‡˜ fiÚÔ˘˜,
    ı· ·ÓÙÈÛÙ·ıÌ›ÛÔ˘Ó Û οÔÈÔ ‚·ıÌfi ÙËÓ ÂÈ‚Ú¿‰˘ÓÛË ÛÙË ˙‹ÙËÛË.

    √π∫√¢√ªπ∫∏ ∞ª¡∏™∆π∞
    ¢˘ÛÙ˘¯Ò˜ ·˘Ùfi ÙÔ oÚıfi ̤ÙÚÔ ‰ÂÓ ¤Ù˘¯Â Î·È Ë ¿Ô„Ë Ì·˜ ÁÈ· ÙËÓ ·ÔÙ˘¯›·
    Â›Ó·È fiÙÈ Ë ·ÌÓËÛÙ›· ·˘Ù‹ ¤Ï˘Â ÌfiÓÔ Û οÔÈÔ ‚·ıÌfi ÌfiÓÔ ÙȘ ÔÚÈṲ̂Ó˜
    ·Ú·Ù˘›Â˜ Î·È ‰ÂÓ ¤‰È‰Â χÛÂȘ ÛÙËÓ ¤Î‰ÔÛË ÙÔ˘ ÈÛÙÔÔÈËÙÈÎÔ‡ ÙÂÏÈ΋˜
    ¤ÁÎÚÈÛ˘ ÚÔ˜ ηٿıÂÛË ÛÙÔ ∫ÙËÌ·ÙÔÏfiÁÈÔ ÁÈ· ¤Î‰ÔÛË Ù›ÙÏˆÓ È‰ÈÔÎÙËÛ›·˜.
    ∏ ÌË Û‡Ó‰ÂÛË ÙˆÓ ‰‡Ô (·Ú·Ù˘›·/ ¤Î‰ÔÛË ÈÛÙÔÔÈËÙÈÎÔ‡ ÙÂÏÈ΋˜ ¤ÁÎÚÈÛ˘)
    ¤ÊÂÚ ÙÔ ·ÚÓËÙÈÎfi ·ÔÙ¤ÏÂÛÌ·. ∆Ô ı¤Ì· ı· Ú¤ÂÈ, ηٿ ÙËÓ ¿Ô„Ë Ì·˜, Ó·
    Â·Ó·ÌÂÏÂÙËı› Ì ÛÙfi¯Ô ÙËÓ Ù·˘Ùfi¯ÚÔÓË Î¿Ï˘„Ë ÙˆÓ ·Ú·Ù˘ÈÒÓ Î·È Ù˘
    ¤Î‰ÔÛ˘ ÙÔ˘ ÈÛÙÔÔÈËÙÈÎÔ‡ ÙÂÏÈ΋˜ ¤ÁÎÚÈÛ˘/¿‰ÂÈ·˜ ‰È·›ÚÂÛ˘ ·fi ÙËÓ
    ∞ÚÌfi‰È· ∞Ú¯‹, ‰ÈfiÙÈ Â‰Ò Â›Ó·È ÙÔ Úfi‚ÏËÌ·, ÂÓÒ Ë ÌË Â›ÛÚ·ÍË ÙˆÓ
    ·Ó·ÌÂÓfiÌÂÓˆÓ í50 ÂÎ. ·fi ÙȘ ÌÂÙ·‚È‚¿ÛÂȘ Â›Ó·È ÚÔÛÂÎÙ‹, fiˆ˜ Â›Ó·È Ù·
    ÎÔÈÓˆÓÈο/·ÓıÚÒÈÓ· ÚÔ‚Ï‹Ì·Ù· Ô˘ ‰ËÌÈÔ˘ÚÁÔ‡Ó, ϤÔÓ Ë ·‡ÍËÛË ÙÔ˘
    ÎÈÓ‰‡ÓÔ˘ ÁÈ· ÙÔ˘˜ ¯ÚËÌ·ÙÔ‰fiÙ˜. ∏ ÔÈÎÔ‰ÔÌÈ΋ ·ÌÓËÛÙ›· ı· Ú¤ÂÈ Ó· ›ӷÈ
    Û˘Ó¯‹˜, Ô‡Ùˆ˜ ÒÛÙÂ Î·È ÛÙÔ Ì¤ÏÏÔÓ Ù˘¯fiÓ ÌÈÎÚÔ·Ú·ÓƠ̂˜/·Ú·Ù˘›Â˜, Ó·
    ¤¯Ô˘Ó ‰È¤ÍÔ‰Ô Î¿Ï˘„˘ ÚÔ˜ fiÊÂÏÔ˜ ÙˆÓ ÔÏÈÙÒÓ/·ÁÔÚ·ÛÙÒÓ.

    √π∫√¡√ªπ∫∞ ∂π™π∆∏ƒπ∞ ∞∂ƒ√°ƒ∞ªªø¡


    ∏ ˙‹ÙËÛË ÁÈ· ͤÓÔ˘˜ ı· ÂÍ·ÚÙËı› Î·È Û ·ÚÎÂÙfi ‚·ıÌfi ·fi ÙËÓ ˘ÈÔı¤ÙËÛË
    Û‡Ó‰ÂÛ˘ ÌÂٷ͇ ÙˆÓ ∂˘Úˆ·˚ÎÒÓ ¯ˆÚÒÓ Ì ÙËÓ ∫‡ÚÔ, Ì ·ÂÚÔÔÚÈΤ˜
    ·ÂÚÔÁÚ·Ì̤˜ ¯·ÌËÏÔ‡ ÎfiÛÙÔ˘˜ fiˆ˜ Easyjet, Monarc ÎÏ. ∏ ÚfiÛÊ·ÙË
    ·Ó·ÎÔ›ÓˆÛË Ù˘ ÂÙ·ÈÚ›·˜ Monarc Î·È Easyjet Î·È ¿ÏÏˆÓ Ô˘ ı· ÂÚÈÏ¿‚ÂÈ

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 52

    ÙËÓ ∫‡ÚÔ ÛÙ· ÚÔÁÚ¿ÌÌ·Ù· Ù˘ ÙÔ ¤ÙÔ˜ 2007/2008, ı· Ú¤ÂÈ Ó· ÚÔÛ¯ı›.


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    ͤÓÔ˘˜ (Ô˘ ÔÈ ÛÙ·ÙÈÛÙÈΤ˜ ‰Â›¯ÓÔ˘Ó ÌÈ· ÈÛÔ‰‡Ó·ÌË ·‡ÍËÛË Ù˘ ·Í›·˜ ·ÎÈÓ‹ÙˆÓ
    Á‡Úˆ ÛÙÔ 30%) ÏfiÁˆ ÙÔ˘ ÈÔ ÚÔÛÈÙÔ‡ ÎfiÛÙÔ˘˜ ÂÈÛÈÙËÚ›ˆÓ, ·ÏÏ¿ Ë ÔÈfiÙËÙ·
    ÙˆÓ Í¤ÓˆÓ ·ÁÔÚ·ÛÙÒÓ Î·È ÙÔ˘ÚÈÛÙÒÓ ¤¯ÂÈ ÌÂȈı›. ∞Ó ·˘Ùfi Â·ÏÂÈÊı› ÛÙËÓ
    ∫‡ÚÔ, ı· ˘¿Ú¯Ô˘Ó ÚfiÛıÂÙ˜ ·ÚÓËÙÈΤ˜ ÂÈÙÒÛÂȘ ·fi ÙÔ˘˜ ÈÔ
    ‡ÔÚÔ˘˜ Î·È Û ÌÂÁ·Ï‡ÙÂÚË ËÏÈΛ· ÂÈÛΤÙ˜, Ô˘ Èı·ÓÒ˜ Ó· ÌÂÈÒÛÔ˘Ó
    ÙȘ ÂÈÛΤ„ÂȘ ÙÔ˘˜ ÏfiÁˆ Ù˘ ÌÂȈ̤Ó˘ ÔÈfiÙËÙ·˜ ÙˆÓ ¿ÏÏˆÓ ÂÈÛÎÂÙÒÓ,
    Ì ÙȘ ·Ó¿ÏÔÁ˜ ·Ó·Î·Ù·Ù¿ÍÂȘ ÛÙËÓ ·ÁÔÚ¿ ÙˆÓ ·ÎÈÓ‹ÙˆÓ (ÂÚÈÛÛfiÙÂÚË
    ˙‹ÙËÛË ÁÈ· ÊıËÓ¤˜ ÌÔÓ¿‰Â˜ Î·È ÏÈÁfiÙÂÚÔ ÁÈ· ÙȘ ÈÔ ·ÎÚÈ‚¤˜).
    ™Â ÚfiÛÊ·ÙË ¤Ú¢ӷ ÛÙÔ ∏.µ., ÙÔ 37%-40% ‰‹ÏˆÛ fiÙÈ ·ÁÔÚ¿˙Ô˘Ó Û ͤÓ˜
    ¯ÒÚ˜ ÁÈ· ÛÎÔÔ‡˜ Â¤Ó‰˘Û˘, ÂÓÒ Ù· ÙÂÏÂ˘Ù·›· 3 ¯ÚfiÓÈ· ·fi ÙÔ˘˜
    250.000 µÚÂÙ·ÓÔ‡˜ Ô˘ ‰‹ÏˆÛ·Ó fiÙÈ Â›¯·Ó ÂÍÔ¯È΋ ηÙÔÈΛ· ÂÎÙfi˜ ÙÔ˘ ∏.µ.,
    Ô ·ÚÈıÌfi˜ ·˘Ùfi˜ ·˘Í‹ıËΠ۠800.000.
    ∂ΛÓÔ Ô˘ Â›Ó·È Û‹ÌÂÚ· ÂÓı·ÚÚ˘ÓÙÈÎfi ÁÈ· ÙËÓ ∫‡ÚÔ Â›Ó·È fiÙÈ, ÂÓÒ Ô ·ÚÈıÌfi˜
    ÙˆÓ ÙÔ˘ÚÈÛÙÒÓ ¤¯ÂÈ ·Ú·Ì›ÓÂÈ ·ÚfiÌÔÈÔ˜, Ù· ¤ÛÔ‰· ·˘Í‹ıËÎ·Ó Î·Ù¿ ÂÚ›Ô˘
    3%. ∞˘Ùfi ‰Â›¯ÓÂÈ ÌÈ· ·˘ÍËÙÈ΋ ÔÈÔÙÈ΋ ÔÚ›·, Ô˘ Ì ٷ ·Ó·ÌÂÓfiÌÂÓ· ¤ÚÁ·
    ˘Ô‰ÔÌ‹˜ (ª·Ú›Ó˜, Á‹‰· ÁÎÔÏÊ, Ó¤· ·ÂÚÔ‰ÚfiÌÈ· ÎÏ) ·Ó·Ì¤ÓÔ˘Ì fiÙÈ ı·
    Û˘Ó¯›ÛÂÈ, ·ÓÂÍ¿ÚÙËÙ· ÙˆÓ ÈÔ ¿Óˆ Ì·˜ ÂÈÊ˘Ï¿ÍˆÓ.

    ∂¡∂ƒ°∂π∞∫∏ ∞¶√¢√™∏ ∫∆πƒπø¡


    ª¤Û· ÛÙ· ÚfiÛıÂÙ· ÎfiÛÙ· ·ÁÔÚ¿˜/·fiÎÙËÛ˘ ÛÙ¤Á˘, ı· Ú¤ÂÈ Ó· ÏËÊı›
    ˘fi„Ë Î·È Ë ·‡ÍËÛË ÙÔ˘ ÎfiÛÙÔ˘˜ Ô˘ ı· ÚÔ¤ÏıÂÈ ·fi ÙËÓ Ó¤· Ô‰ËÁ›· Ù˘ ∂.
    ã∂ÓˆÛ˘ ÁÈ· ÎÙ›ÚÈ· Ô˘ ı· Ú¤ÂÈ Ó· Û˘Ó¿‰Ô˘Ó Ì ÂÏ¿¯ÈÛÙË ÂÓÂÚÁÂȷ΋
    ·fi‰ÔÛË ÂÓfi˜ ÎÙÈÚ›Ô˘. ã√ˆ˜ ÏËÚÔÊÔÚËı‹Î·Ì ÙȘ ·fi„ÂȘ ‰È¿ÊÔÚˆÓ
    ÂȉÈÎÒÓ, fiˆ˜ ·˘Ù¤˜ ‰ËÌÔÛȇıËÎ·Ó ÛÙÔÓ Ù‡Ô, fiÙÈ Ù· Ó¤· ·˘Ù¿ ÎÙ›ÚÈ· ı·
    ¤¯Ô˘Ó ÌÈ· ÂÏ¿¯ÈÛÙË ··›ÙËÛË ÂÓ¤ÚÁÂÈ·˜ Î·È ·˘Ùfi ·ÛÊ·ÏÒ˜ Î·È ı· ÌÂÈÒÛÂÈ ÙÔ
    ÎfiÛÙÔ˜ Û˘ÓÙ‹ÚËÛ˘/ÏÂÈÙÔ˘ÚÁ›·˜, ·ÏÏ¿ ı· ·˘Í‹ÛÂÈ ÙÔ ÎfiÛÙÔ˜ ηٷÛ΢‹˜/·ÁÔÚ¿˜
    Û Â›‰· Á‡Úˆ ÛÙÔ 5%-7%. ã∂ÙÛÈ, ÛÙËÓ ·Ï‹ ÂÚ›ÙˆÛË ÂÓfi˜ ‰È·ÌÂÚ›ÛÌ·ÙÔ˜ ÙˆÓ
    2 ˘ÓÔ‰ˆÌ·Ù›ˆÓ, ÙÔ ÚfiÛıÂÙÔ ÎfiÛÙÔ˜ ·Ó·Ì¤ÓÂÙ·È Ó· ·Ó¤ÏıÂÈ Û +-í35/Ù.Ì.
    ‹ Á‡Úˆ ÛÙȘ í3.500 ϤÔÓ º.¶.∞. Î·È ¿ÏÏ· = +-í4.200/‰È·Ì¤ÚÈÛÌ·. ã∞ÓηÈ
    Ô ÓfiÌÔ˜ ·Ó·Ê¤ÚÂÙ·È Û ÎÙ›ÚÈ· ÌÂÁ¤ıÔ˘˜ ¤Ú·Ó ÙˆÓ 1.000 Ù.Ì., ‰È¢ÎÚÈÓ›˙ÂÙ·È
    fiÙÈ ·ÊÔÚ¿ Î·È ÂÈ̤ÚÔ˘˜ ÌÔÓ¿‰Â˜ Ô˘ ÛÙÔ Û‡ÓÔÏÔ ÙÔ˘˜ ÍÂÂÚÓÔ‡Ó Ù· 1.000
    Ù.Ì. (.¯. ÌÈ· ÔÏ˘Î·ÙÔÈΛ·).
    ¶ÚfiÛıÂÙ· ÙÔ Ó¤Ô ·˘Ùfi ̤ÙÚÔ ı· ·˘Í‹ÛÂÈ ÙËÓ Î·ı˘ÛÙ¤ÚËÛË ÛÙËÓ ¤Î‰ÔÛË
    ·‰ÂÈÒÓ ÔÈÎÔ‰ÔÌ‹˜, ‰ÈfiÙÈ ı· ˘¿Ú¯ÂÈ ÙÒÚ· ÌÈ· ÚfiÛıÂÙË ∞Ú¯‹ Ô˘ ı· ÌÂÏÂÙ¿
    ÙËÓ ·›ÙËÛË Î·È ÌÂÙ¿ ÙÔÓ ¤ÏÂÁ¯Ô ÛÙÔ ÛÙ¿‰ÈÔ Ù˘ ¤Î‰ÔÛ˘ ÙÔ˘ ÙÂÏÈÎÔ‡
    ÈÛÙÔÔÈËÙÈÎÔ‡ ÙÂÏÈ΋˜ ¤ÁÎÚÈÛ˘. ∆Ô Ì¤ÙÚÔ ·˘Ùfi ÈÛ¯‡ÂÈ ÁÈ· ÎÙ›ÚÈ· ÁÈ· Ù· ÔÔ›·
    ¤ÁÈÓ ˘Ô‚ÔÏ‹ ÁÈ· ÂÍ·ÛÊ¿ÏÈÛË ÔÏÂÔ‰ÔÌÈ΋˜ ¿‰ÂÈ·˜ ÌÂÙ¿ ÙËÓ 21.12.07.

    52
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 53

    ¢π∂£¡∂π™ ∆∞™∂π™ ∫∞π ∏ ∫À¶ƒ√™

    ∏ ∫‡ÚÔ˜ ‰ÂÓ Â›Ó·È ÌfiÓË Ù˘ ÛÙÔÓ ÙÔ̤· ÙˆÓ Ú·Á‰·›ˆÓ ·˘Í‹ÛÂˆÓ ÙˆÓ ÙÈÌÒÓ
    ÙˆÓ ·ÎÈÓ‹ÙˆÓ. ∆Ô‡ÙÔ Â›Ó·È ÏÔÁÈÎfi, ‰ÈfiÙÈ ÔÈ ÏfiÁÔÈ Ù˘ ÛÙÚÔÊ‹˜ ÙˆÓ ÂÂÓ‰˘ÙÒÓ
    Û ÚÒÙÔ ‚·ıÌfi ÛÙ· ·Î›ÓËÙ·, Â›Ó·È ÔÈ ›‰ÈÔÈ, ‰ËÏ·‰‹ ÔÈ ¯·ÌËÏÔ› ÙfiÎÔÈ
    ηٿıÂÛ˘ Î·È Ë fi¯È Ôχ ηϋ ·fi‰ÔÛË ÙÔ˘ ¯ÚËÌ·ÙÈÛÙËÚ›Ô˘. √È ·˘Í‹ÛÂȘ
    ÙˆÓ ÙÈÌÒÓ Î·Ù¿ ÙËÓ ÂÚ›Ô‰Ô 2000-2006 ÛÙËÓ ∫‡ÚÔ, Â›Ó·È ·ÚfiÌÔȘ Ì ÙȘ
    Ï›ÛÙ˜ fiÛ˜ ∂˘Úˆ·˚Τ˜ ¯ÒÚ˜, ÂÓÒ ·fi ÙÔ 2007 Ô ÙÔ̤·, ÙˆÓ ÙÈÌÒÓ
    ÛÙËÓ ∫‡ÚÔ ˘‹Ú¯·Ó ·‡ÍËÛË Û ۇÁÎÚÈÛË Ì ¿ÏϘ ∂˘Úˆ·˚Τ˜ ¯ÒÚ˜,
    ÂȉÈο ÙˆÓ ÂÍÔ¯ÈÎÒÓ Î·ÙÔÈÎÈÒÓ ÁÈ· ÙÔ˘˜ ͤÓÔ˘˜ ·ÁÔÚ·ÛÙ¤˜.

    Cyprus
    Although there is no official house price index, indications are that house
    prices rebounded strongly from a dip in growth in winter 2005/6 to surge
    into double figures in the autumn of 2007, one of the highest rates of
    increase in Europe. Domestic demand is strong on the back of a surging
    economy and inward migration. Another key driver is heightened interest in
    second homes from outside the traditional source of demand in the UK.
    Russian and other purchasers are said to be becoming more prevalent and
    are currently less affected by borrowing constraints than western Europeans.
    Housebuilding is booming with the country now having the highest housebuilding
    rate per 1,000 population in the EU. Market prospects look good but
    overseas’ interest in second home purchase may prove fickle and any
    slowing of the UK economy, in particular, will affect demand. There is also
    a surge of new supply coming on stream, which may dampen prices.

    Overview
    The housing market has enjoyed the same buoyant conditions as other
    Mediterranean locations reliant on tourism. When Cyprus joined the EU
    a few years ago, a further boost was given to both the economy and the
    housing market. Although there is no house price index, indications are that
    house prices have been rising in double digits annually and have doubled
    over the past five years and housebuilding has been strong. In fact, the
    country has one of the highest housebuilding rates in the EU. Much of the
    growth has been stimulated by high inward migration, especially of people
    from the UK attracted by the climate, cheap lifestyle, good public facilities and
    widespread use of English.
    With a good economic growth forecast to continue, continued population
    growth and accession to the eurozone on-stream for 2008, prospects for
    the housing market remain buoyant. However, the new supply coming on stream
    is helping to moderate price growth.

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    53
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 54

    Housing system
    General housing standards are high. Space standards are some of the best
    in the EU and much of the stock is modern and well-provisioned. Over half
    of all dwellings have been built since 1980.
    Owner occupation is high at 68% and many houses are owned outright.
    Another 14% are conventionally rented in the private sector. However, the
    tenure structure is complicated by the aftermath of the division of the island
    into the Greek and Turkish areas, which has led to a variety of other
    atypical categories, such as refugee estate, a Turkish Cypriot house, and
    self-help schemes aimed at refugees. These other categories depress the
    percentage shares of the more conventional tenures.
    * This chapter refers only to the Government Controlled part of the island.

    Note: Five year old properties usually sell at a 12% discount to new
    ones and 15 year old ones a 30% discount.
    Source: CP Pavlides New 2-bed flats, Nicosia

    Stamp duty and transfer taxes are levied on purchases, capital gains are
    taxed at the time of sale and there is also an annual property tax. There is
    a policy emphasis on promoting owner occupation amongst the Cypriot
    population. To this end the government offers a variety of schemes aimed
    at low to middle income families. They provide tax benefits, subsidised prices
    and low interest loans.
    There are also programmes to improve the housing conditions of those
    12,000 or so households still living on refugee estates.

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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 55

    Housebuilding
    The country has one of the highest housebuilding rates in the EU. Over 6%
    of GDP is devoted to housing investment annually, significantly more than
    the EU average. The rate of housebuilding dipped in the late 1990s and
    early 2000s but then rapidly accelerated to almost 11,000 units in 2004,
    over two and a quarter times the 2000 level. Properties are being sold off
    plan and new developers are entering the buoyant market.
    Housing investment - which includes renovations and extensions as well as
    new build - dipped in 2005. Building permits were up 4% in the first 10
    months of 2006, indicating that housing output will again be strong in 2007.
    The high rate of building has put pressure on construction costs for a
    number of years. For example, they rose by 15% altogether in the three
    years up to the autumn of 2006.

    Macroeconomic influences
    GDP per capita is 10% less than the EU average but consistently good
    growth rates mean that the standard of living is gradually catching up with
    the EU average. Since 2004, growth has been around 4% a year. It had
    slowed in the couple of years prior to that, following a slow down in the
    tourist industry, but clearly recovered quickly.After a brief surge in 2003,
    inflation has been back on track over the past few years.
    This, combined with the health of the economy and public finances, means
    that the country is expected to join the euro zone in 2008. It will be
    interesting to see whether the advent of the euro changes the profile of
    foreign residents and investors in the housing market away from the
    current emphasis on the British.
    The level of participation in the labour market is quite high and employment
    growth strong, meaning that households can generally afford to buy a
    home and possibly invest in housing to rent as well 40% of the 300,000
    dwellings are detached, another 30% are semis, 20% are flats and a further
    10% are in mixed-used buildings. The stock of housing has been growing
    fast with a 26% increase between 1992 and 2001. 16% of households are
    1 person, 27% are 2 person and the other 57% are 3 or more persons.2
    So, household sizes are typically much higher than in northern Europe.
    Average recorded housing costs as a percentage of household income are
    the second lowest in the EU after Malta. They are only 13% of household
    consumption, compared to the highest cost country, Denmark, where they
    are 30%. (These estimates include imputed rental income for owner
    occupied dwellings.) Rental levels have been rising at 3-4% in recent years,
    roughly at the general rate of price inflation. Rental dwellings are quite

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    55
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    spacious at 116 sq. m. on average with an annual rent of x6,800.3 New


    2 bedroom apartments could be rented for x6,500, on average, in 2005.4
    Roughly, 10% of the population are non-Cypriot residents, according to the
    2001 census, and the share has risen somewhat since then. A quarter of
    them are Greek nationals. British people make up almost of fifth of the
    foreign residents, followed by smaller numbers of Russians and people
    from Sri Lanka and handfuls of other nationalities. Foreign residents enjoy
    a special low tax rate. The British are the stalwarts of the retirement and
    second-home markets.
    Apartments used primarily as tourist accommodation has been on the
    decline. They fell by 10% in the decade prior to 2001, as holiday makers
    increasingly prefer full-service hotel accommodation or to own their own
    second home, which they, of course, may rent out for all or part of the
    season. Second homes numbered around 40,000 in 2001, after major
    expansion in the 1990s.

    TENURES

    %
    Owner occupied 68
    Rented 14
    Free 6
    Refugee estate 6
    Self-help housing scheme
    on government plot 4
    Turkish Cypriot house 2

    Source: 2001 Census


    2 2001 Census.
    3 Housing Statistics of the EU 2005/6.
    4 Pavlides Chartered Surveyors Research Report.
    cppavlides@cytanet.com.cy

    The mortgage market should get a considerable boost after the country
    joins the euro. Interest rates have fallen over the past five years but they
    generally remain higher than in the euro area. There is also likely tobe more
    competition from foreign banks as has been seen in other euro zone
    countries, like Italy.

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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 57

    The current low level of mortgage use will attract firms skilled at providing
    mortgages and a variety of sophisticated financial packages. The prognosis is
    therefore for lower interest rates and a wider variety of mortgage products
    after the expected adoption of the euro at the beginning of 2008.
    Programmes are underway under the EU Lisbon Strategy to modernise the
    economy and further liberalise its market orientation. These measures
    should help to ensure sustained growth in the future.
    With such a high level of foreign interest in housing in Cyprus, the housing
    market is not only affected by the performance of the local economy but
    also by that of the countries where most investors come from.

    Source: European Housing review-2008 -Rics

    Source: IQS/Paris

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    57
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    2007 CURRENT MARKET RENTS


    Average rent per month given in the local currency of each place
    Country City Flats Non- Detached Currency
    detached house
    3-bedroom 2-bedroom 1-bedroom house
    European Union
    Austria Vienna 1,450 1,050 820 1,700 2,800 EUR
    Belgium Belgium 1,150 920 680 1,230 1,800 EUR
    Bulgaria Sofia 2,150 1,300 840 - 2,950 BGN
    1,100 660 430 - 1,500 EUR
    Cyprus Nicosia 400 340 270 590 950 CYP
    690 580 460 1,000 1,650 EUR
    Czech Rep. Prague 40,400 29,200 20,000 41,100 63,800 CZK
    1,400 1,000 700 1,450 2,200 EUR
    Denmark Copenhagen 14,300 9,600 6,400 16,500 20,800 DKK
    1,900 1,300 860 2,200 2,800 EUR
    Estonia Tallinn 16,900 12,500 8,550 19,700 26,200 EEK
    1,100 800 550 1,250 1,650 EUR
    Finland Helsinki 1,450 1,080 840 1,850 2,300 EUR
    France Paris 2,200 1,650 960 2,100 2,900 EUR
    Lyon 1,050 850 560 1,100 1,550 EUR
    Germany Berlin 1,150 840 640 1,250 1,850 EUR
    Bonn 1,030 750 580 1,100 1,600 EUR
    Hamburg 1,400 1,050 750 1,450 2,000 EUR
    Karlsruhe 890 700 550 1,080 1,550 EUR
    Munich 1,400 1,000 790 1,500 2,150 EUR
    Greece Athens 1,650 1,000 760 1,900 2,800 EUR
    Hungary Budapest 420,000 252,000 140,000 421,500 697,000 HUF
    1,700 1,050 570 1,700 2,850 EUR
    Ireland Dublin 1,800 1,450 1,120 1,700 2,100 EUR
    Italy Rome 2,200 1,600 1,250 1,900 2,500 EUR
    Varese 910 730 580 1,300 1,950 EUR
    Latvia Riga 1,000 750 550 1,250 1,900 LVL
    1,450 1,100 790 1,800 2,750 EUR
    Lithuania Vilnius 3,400 2,550 1,750 4,550 7,300 LTL
    990 740 510 1,300 2,100 EUR
    Malta Valetta 340 230 150 440 740 MTL
    790 540 350 1,050 1,700 EUR
    Netherlands The Hague 1,900 1,400 1,000 1,950 2,650 EUR
    Poland Warsaw 6,000 4,350 2,350 6,900 10,200 PLN
    1,600 1,150 630 1,850 2,700 EUR
    Portugal Lisbon 1,050 820 610 1,350 1,900 EUR
    Romania Bucharest 4,500 3,600 2,000 - 8,250 RON
    1,450 1,150 640 - 2,650 EUR

    58
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 59

    Country City Flats Non- Detached Currency


    detached house
    3-bedroom 2-bedroom 1-bedroom house
    Europe (other)
    Iceland Reykjavik 127,500 105,000 77,800 150,000 185,000 ISK
    1,500 1,250 930 1,800 2,200 EUR
    Norway Oslo 16,300 12,900 9,550 17,100 23,900 NOK
    2,050 1,600 1,200 2,150 3,000 EUR
    Switzerland Bern 2,400 1,950 1,500 3,200 3,700 CHF
    1,450 1,200 910 1,950 2,250 EUR

    America
    Canada Ottava 2,300 1,550 1,200 2,200 2,900 CAD
    Montreal 2,800 1,750 1,200 3,350 4,900 CAD
    Mexico Mexico 19,000 13,200 9,950 21,700 24,900 MXN
    USA Washington 2,800 2,200 1,650 3,000 3,500 USD
    New York 6,300 4,050 2,900 3,050 4,250 USD

    Asia
    Japan Tokyo 874,500 627,000 451,000 875,000 1,240,000 JPY
    South Korea Seoul 4,450 2,850 1,950 4,900 8,850 KRW (/100)

    NOTES: The above figures have been rounded.

    Dwelling size per category varies slightly by country (see table on surface of dwellings).

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    59
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 60

    COMPARISON OF AVERAGE RENT LEVELS FOR FLATS


    (Brussels=100)

    European Union

    60
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    422
    400

    Europe (other) America Asia

    Note: Exchange rates of 1/7/2007

    ¢Â›ÎÙ˘ ∆ÈÌÒÓ ∞ÁÔÚ¿˜ ∞ÎÈÓ‹ÙˆÓ


    61
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    TREND OF RENTS 2006/2005 Average development of rents for flats and houses
    Country City Flats (annual trend) Houses (annual trend)
    European Union

    Austria Vienna ▲ +1% ▲ +7%


    Belgium Belgium ▲ +2% 0%
    Bulgaria Sofia ▼ -1% ▼ -10%
    Cyprus Nicosia ▲ +4% ▲ +2%
    Czech Rep. Prague ▲ +14% ▲ +15%
    Denmark Copenhagen ▲ +5% ▲ +6%
    Estonia Tallinn ▲ +14% ▲ +9%
    Finland Helsinki ▲ +5% ▲ +2%
    France Paris ▲ +4% ▲ -2%
    Lyon ▲ +2% ▲ +3%
    Germany Berlin ▲ +2% ▲ +7%
    Bonn 0% ▲ +2%
    Hamburg ▲ +7% ▲ +4%
    Karlsruhe ▲ +4% ▲ +6%
    Munich ▲ +8% ▲ +1%
    Greece Athens ▲ +7% ▲ +6%
    Hungary Budapest ▼ -7% ▼ -21%
    Ireland Dublin ▲ +11% ▲ +12%
    Italy Rome 0% ▲ +1%
    Varese ▲ +1% ▲ +2%
    Latvia Riga ▲ +12% ▲ +11%
    Lithuania Vilnius ▲ +12% ▲ +10%
    Malta Valetta ▲ +11% ▲ +5%
    Netherlands The Hague ▼ -2% ▲ +4%
    Poland Warsaw ▲ +7% ▲ +8%
    Portugal Lisbon ▼ -3% ▼ -1%
    Romania Bucharest ▲ +21% ▲ +33%
    Slovakia Bratislava 0% ▲ +2%
    Slovenia Ljublijana ▼ -1% ▼ -3%
    Spain Madrid ▲ +6% ▲ +8%
    Sweden Stockholm ▲ +6% ▲ -3%
    UK London ▲ +12% ▲ +17%
    Oxford ▲ +2% ▲ +1%
    Reading ▲ +4% ▲ +2%
    Europe (other)

    Iceland Reykjavik ▲ +8% ▲ +8%


    Norway Oslo ▲ +5% ▲ +9%
    Switzerland Bern 0% ▼ -2%
    Geneva ▲ +3% ▼ -1%
    Turkey Ankara ▼ -6% ▼ -14%
    America

    Canada Ottava ▲ +3% ▲ +6%


    Montreal ▼ -3% ▲ +3%
    Mexico Mexico ▲ 0% ▲ +1%
    USA Washington ▲ +12% ▲ +7%
    New York ▲ +9% ▼ -1%
    Asia

    Japan Tokyo ▲ +7% ▲ +5%


    South Korea Seoul 0% ▲ +13%

    62
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 63

    SURFACE OF DWELLINGS Typical dwelling sizes by category in each surveyed city (in m2)
    Country City Flats Non- Detached
    detached house
    3-bedroom 2-bedroom 1-bedroom house
    European Union

    Austria Vienna 110-130 80-100 60-80 110-130 150-180


    Belgium Brussels 110-130 80-100 60-80 110-130 150-180
    Bulgaria Sofia 140-160 80-100 60-80 - 190-220
    Cyprus Nicosia 110-130 80-100 60-80 140-160 190-220
    Czech Rep. Prague 110-130 80-100 60-80 110-130 150-180
    Denmark Copenhagen 110-130 60-80 40-60 110-130 150-180
    Estonia Tallinn 80-100 60-80 40-60 110-130 150-180
    Finland Helsinki 80-100 60-80 40-60 110-130 150-180
    France Paris 110-130 80-100 40-60 110-130 150-180
    Lyon 110-130 80-100 40-60 110-130 150-180
    Germany Berlin 110-130 80-100 60-80 110-130 150-180
    Bonn 110-130 80-100 60-80 110-130 150-180
    Hamburg 110-130 80-100 60-80 110-130 150-180
    Karlsruhe 110-130 80-100 60-80 110-130 150-180
    Munich 110-130 80-100 60-80 110-130 150-180
    Greece Athens 140-160 80-100 60-80 140-160 190-220
    Hungary Budapest 110-130 60-80 40-60 140-160 190-220
    Ireland Dublin 110-130 60-80 40-60 80-100 110-140
    Italy Rome 110-130 80-100 60-80 110-130 190-220
    Varese 110-130 80-100 60-80 110-130 190-220
    Latvia Riga 110-130 80-100 60-80 140-160 190-220
    Lithuania Vilnius 80-100 60-80 40-60 110-130 150-180
    Malta Valetta 110-130 80-100 40-60 110-130 190-220
    Netherlands The Hagua 110-130 80-100 60-80 110-130 -
    Poland Warsaw 110-130 80-100 40-60 110-130 190-220
    Portugal Lisdon 140-160 80-100 60-80 140-160 150-180
    Romania Bucharest 110-130 80-100 40-60 - 150-180
    Slovakia Bratislava 110-130 80-100 60-80 110-130 150-180
    Slovakia Ljubljana 110-130 80-100 40-60 110-130 150-180
    Spain Madrid 110-130 60-80 40-60 140-160 190-220
    Sweden Stockholm 110-130 80-100 60-80 110-130 150-180
    UK London 80-100 60-80 40-60 80-100 110-140
    Oxford 80-100 60-80 40-60 80-100 110-140
    Reading 80-100 60-80 40-60 80-100 110-140
    Europe (other)

    Iceland Reykjavik 80-100 60-80 40-60 140-160 190-220


    Norway Oslo 110-130 80-100 60-80 140-160 190-220
    Switzerland Bern 110-130 80-100 60-80 110-130 150-180
    Geneva 110-130 80-100 60-80 110-130 150-180
    Turkey Ankara 140-160 80-100 60-80 140-160 190-220
    Canada Ottawa 140-160 80-100 60-80 140-160 190-220
    America

    Montreal 140-160 80-100 60-80 140-160 190-220


    Mexico Mexico 140-160 80-100 60-80 140-160 190-220
    USA Washington 110-130 80-100 60-80 110-130 190-220
    New York 140-160 80-100 60-80 140-160 190-220
    Asia

    Japan Tokyo 110-130 80-100 60-80 110-130 150-180


    South Korea Seoul 110-130 80-100 60-80 110-130 190-220
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    63
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 64

    European Development Market

    64
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 65

    European City Risk

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    65
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 66

    European Investment Market Prospects

    66
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 67

    Industrial Distribution propertybuy/hold/sell Recommendations by City

    City Buy Hold Sell

    Istanbul 76.90 20.50 2.60


    Moscow 64.30 26.20 9.50
    Warsaw 52.60 31.60 15.80
    Hamburg 51.00 38.80 10.20
    Prague 47.20 33.30 19.40
    Budapest 45.50 42.40 12.10
    Munich 44.00 44.00 12.00
    Frankfurt 39.60 43.40 17.00
    Lyon 39.50 53.50 7.00
    Milan 39.50 46.50 14.00
    Helsinki 38.70 54.80 6.50
    Madrid 38.00 50.70 11.30
    Athens 37.00 37.00 25.90
    Barcelona 36.60 46.50 16.90
    Lisbon 33.30 50.00 16.70
    Berlin 31.60 49.10 19.30
    Paris 28.60 46.00 25.40
    Vienna 27.60 58.60 13.80
    Copenhagen 27.60 62.10 10.30
    Zurich 27.60 62.10 10.30
    Amsterdam 26.70 56.70 16.70
    Stockholm 25.00 63.90 11.10
    London 22.60 58.10 19.40
    Edinburgh 15.60 62.50 21.90
    Dublin 11.50 65.40 23.10
    Rome 10.30 61.50 28.20
    Brussels 9.10 69.70 21.20

    The above shows the tendency among buyers to either buy Industrial assets or sell or hold
    onto, as a % of 100%

    Source: Emerging Trends in Real Estate Europe-2008-Pwc

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    67
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 68

    Property Yields
    City 2007 2006 Year-over-Year
    Q3 - % Q3 - % Change - %

    Moscow 8.00 10.00 -2.00


    Istanbul 8.00 9.50 -1.50
    Athens 6.80 7.00 -0.20
    Budapest 6.00 6.25 -0.25
    Lyon 6.00 6.10 -0.10
    Lisbon 5.75 6.00 -0.25
    Warsaw 5.50 5.50 –
    Oslo 5.25 5.00 0.25
    Milan 5.25 5.25 –
    Rome 5.25 5.25 –
    Prague 5.25 5.70 -0.45
    Brussels 5.25 6.00 -0.75
    Dusseldorf 5.00 5.25 -0.25
    Geneva 5.00 5.00 –
    Copenhagen 5.00 5.00 –
    Frankfurt 5.00 5.10 -0.10
    Helsinki 5.00 5.30 -0.30
    Amsterdam 5.00 5.75 -0.75
    Berlin 4.90 5.10 -0.20
    Hamburg 4.90 5.10 -0.20
    Munich 4.80 5.00 -0.20
    Vienna 4.75 4.80 -0.05
    Edinburgh 4.75 4.75 –
    Zurich 4.70 5.50 -0.80
    London (City) 4.50 4.35 0.15
    Madrid 4.25 4.25 –
    Barcelona 4.25 4.50 -0.25
    Stockholm 4.25 4.80 -0.55
    Dublin 3.75 3.75 –
    London (West End) 3.75 3.90 -0.15
    Paris Centre West 3.60 4.25 -0.65

    Source: Emerging Trends in Real Estate Europe-2008

    68
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 69

    Table 1 - Knight Frank Prime International Index, Q4 2007


    Location Average % price Average Mortgage % currency movement in last Cost of
    purchase change gross rental rate (%) 12 months against Living
    price over last yield (%) (London
    (Q/m2) 12 months í Q $
    = 100)

    London 36,825 30.8% 4.1% 5.5% n/a -6.12 4.61 100


    Courhevel,
    France 35,000 5.0% n/a 3.0% 6.52 n/a 11.44 89
    Monaco 32,500 25.0% 2.5% 4.5% 6.52 n/a 11.44 120
    Paris 15,500 10.4% 3.0% 3.0% 6.52 n/a 11.44 89
    Moscow 13,250 35.0% 5.4% 10.0% 2.9 -3.4 7.65 81
    Valais,
    Switzarland 10,200 6.4% n/a 3.2% 7.96 1.35 12.94 87
    Florence 9,750 3.5% 2.0% 3.7% 6.52 n/a 11.44 75
    Dublin 9,250 -17.5% 4.2% 5.2% 6.52 n/a 11.44 92
    Barbados 7,900 12.0% 3.0% 8.4% -4.89 -10.71 -0.5 107
    Cote d'Azur 7,763 5.0% 3.5% 3.0% 6.52 n/a 11.44 115
    Madrid 7,350 4.8% 2.5% 5.4% 6.52 n/a 11.44 82
    Mallorca 6,325 0.0% 3.3% 5.4% 6.52 n/a 11.44 113
    Tuscany 5,500 2.0% 2.0% 3.7% 6.52 n/a 11.44 75
    Sydney 5,335 9.5% 3.8% 7.9% 5.8 0.76 11.8 71
    Dordogne 4,500 7.1% 4.5% 3.0% 6.52 n/a 11.44 94
    New Zealand 4,300 12.0% 4.0% 10.3% 7.96 1.35 12.94 98
    Cyprus 4,250 5.0% 5.0% 5.9% 4.86 -1.56 9.7 n/a
    Silver Coast,
    Portugal 4,150 5.5% 3.8% 5.4% 6.52 n/a 11.44 75
    Marrakech 2,710 12.0% n/a n/a 4.74 -1.67 9.58 n/a
    Croatia 2,555 10.0% n/a 7.0% 6.55 0.02 11.46 74
    Phuket 2,265 11.0% 6.8% n/a 11.79 4.94 16.94 85
    Cape Town 1,780 14.0% 5.0% 12.0% 1.17 -5.03 5.84 61
    Black Sea,
    Bulgaria 1,350 21.0% 5.0% 7.5% 6.2 -0.3 11.1 73

    Assumptions: Price and yield data relate to “average prime” and exclude exceptions deals. The annual rental yield
    is a gross figure based on the annual gross income divided by the purchase price the currency movement is the
    % movement over the last twelve months. The Cost of Living figures are based on the price of a shopping
    basket containing identical goods in each location valued on 19th December 2007. Source Knight Frank.

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    69
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 70

    House price gaps


    1997-2007-%

    Ireland 31,5 Sweden 16


    Netherlands 29,5 Italy 11,5
    Britain 28 Japan 11
    Australia 24,5
    USA 10,5
    France 21,5
    Finland 2,5
    Norway 20,5
    Denmark 18 Germany 1
    Belgium 17 Canada -2,5
    Spain 17 Austria -6

    House prices increases 1997-2007

    35
    30
    25
    % increase

    20
    15
    10
    5
    0
    -5

    ria
    en

    n
    ce
    lia
    in

    k
    ay

    ium

    y
    ds

    ain

    da
    ly

    A
    d

    d
    pa
    ar

    an

    st
    ita

    US
    Ita
    ed
    lan

    ra

    lan
    an

    rw
    lan

    na
    Sp
    nm

    Ja

    Au
    rm
    lg
    st
    Br

    sw
    Fr

    No
    Ire

    Fin

    Ca

    -10
    er

    Be
    Au

    De

    Ge
    th
    Ne

    country

    Bearing in mind the American property bubble with all its repercussions it
    seems that markets with higher increases, such as Ireland/Netherlands
    although some problems are experienced, the property market is holding
    its own. Therefore it seems that these countries have possibly more safe-
    ty features in the property m,arket than the USA. Cyprus with an average
    annual increase of about 4-6%, in real terms, per year and In the last 10
    year 40% increase in property prices, although there is slowing down the
    market is holding out.

    70
    Monaco x24.900
    UK x18.108
    Russia x11.501
    France x10.014
    Netherlands x6.667
    Liechtenstein x6.333
    Italy x6.083
    Switzerland x5.534
    Spain x5.160

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    Norway x5.117
    a.loizou booklet 2008MEL

    Ireland x5.000
    Luxembourg x4.745
    Denmark x4.620
    Lithuania x3.792
    Finland x3.333
    Poland x3.292
    23/07/2008

    Sweden x3.167
    Latvia x3.020
    Austria x3.000
    11:36

    Malta x2.814
    Ukraine x2.807
    Andorra x2.583
    Portugal x2.517
    Slovenia x2.467
    Page 71

    Germany
    Source: Global Property Guide

    x 2.462
    Estonia x2.383
    Czech Rep. x2.367
    Romania x2.350
    Greece x2.244
    Croatia x 2.215
    located in the centre of the most important city of each country.

    Cyprus x2.167
    Belgium x2.150
    Average per square metre (sq.m.) prices in US$/Sof 120-sq.m. apartments

    Hungary x1.792
    EUROPE: SQUARE METRE PRICES, PREMIER CITY CENTRE US$

    Bulgaria x1.487
    Slovak Rep. x1.292
    Turkey x1.202

    71
    Macedonia x1.133
    Moldova x 902
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 72

    Europe: Gross rental yields (%).

    The gross annual rental income, expressed as a percentage of property purchase price.
    This is what a landlord can expect as return on his investment before taxes,
    maintenance fees and other costs.
    The properties are 120-sq.m. apartments located in premier city centres.
    Source: Global Property Guide

    72
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 73

    Europe - Rents (U/month)

    The gross monthly rent in Euros. The properties are 120-sq.m. apartments
    located in premier city centres.
    Source: Global Property Guide

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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 74

    Europe: Price/rent ratio

    This ratio is typically used for measuring undervaluation/overvaluation


    of real estate prices, calculated by dividing the gross rental yield by 100 - so
    the higher the yield, the lower the price/rent ratio.
    Source: Global Property Guide

    74
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 75

    Europe: Round trip transaction costs (%).

    The total cost of buying and then re-selling a residential property, including
    all costs (except the sale price itself), expressed as percentage of the property value.
    Source: Global Property Guide

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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 76

    Europe: Rental income taxes (%).

    The tax levied on the average annual income on a rental apartment/property


    in the country.

    76
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 77

    Europe: Capital gains taxes (%).

    In arriving at effective capital gains tax rates, the Global Property Guide
    makes certain assumptions.
    However different countries have different criteria. Please check

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    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 78

    Europe: Price changes, 1 year (%)

    The annual (year-on-year) percentage change in house prices,


    not adjusted for inflation.

    78
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 79

    Europe: Economic freedom rating


    Scores are from 0 to 100, higher scores
    are more desirable i.e. more conducive to economic growth.
    Source: Global Property Guide

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    79
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 80

    Europe: Economic growth competiveness index

    The Growth Competitiveness Index (GCI), aims to quantify


    the quality of the macroeconomic environment.
    Higher competitiveness scores are more desirable.
    Source: World Economic Forum

    80
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 81

    Europe: Property rights index

    A subcomponent of the Index of Economic Freedom,


    the property rights index measures the degree to which
    a country’s laws protect private property rights, and the degree
    to which its government enforces those laws.
    Higher scores are more desirable, i.e. property rights
    are better protected. Scores are from 0 to 100.
    Source: Heritage Foundation & Wall Street Journal

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    Europe: Currency +/- valuation index

    This is a cost of living indicator.


    The figure shows how much how much a bundle of goods and services costing
    US$1 in the US would cost in other countries.
    Source: IMF

    82
    a.loizou booklet 2008MEL 23/07/2008 11:36 Page 83

    Europe: Taxes on residents

    The percentage of gross earnings given up in tax,


    including any social security contributions.
    Calculated for a single worker without children, earning 100 %
    of the average wage, for selected OECD countries.
    Source: OECD Tax Database
    * Cyprus tax on gross earnings, single worker without children,
    earning about x22.000 per year is approximately 3%

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    83
    a.loizou booklet 2008MEL 23/07/2008 11:39 Page 84

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