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Last Month at a Glance

International Real Estate News

Issue No. 16 - April 2014

Georgia

Latest From the Economy

Dubai Freehold Property

DIFC & Trade Center Residences International Property Markets

Real Estate Investing Lessons

Lesson 14: Closing the Transaction Part II: The Final Steps

Prepared by: Alpha & Beta FZE

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Valoran Real Estate Brokers Issue No. 16 - April. 2014

News Digest

Last month at a glance

Mandatory in Dubai The Dubai Land Department (DLD) has launched unified real estate contracts in the emirate, which are aimed at minimizing issues that arise from documents being misinterpreted. The DLD has introduced these contracts to safeguard the rights of all parties participating in any real estate transaction – buyers, sellers and brokers. Starting May 1st, these new agreements will become mandatory. The new procedure will also speed up the process of buying and selling real estate as it will facilitate registration to be completed without being dependent on an agent. The E-mart website of the Dubai Government will have models of three different types of contracts – between buyer and seller (F), between buyer and broker (B) and between seller and broker (A) – that can be downloaded from the website and filled www.valoran.ae


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up and signed by the parties. The contract will be considered formally completed only once recorded and documentation takes place at the DLD. The introduction of unified real estate contracts is another initiative that will increase the competitiveness of the real estate market in Dubai, by enhancing the transparency and professional standards by which real estate will be transacted in the emirate. It will help the DLD keep pace with the recent real estate boom that has seen an increase in the number of recorded transactions, while simultaneously protecting the rights of the stakeholders involved in a transaction.

kept steep increases under check. In fact, until a year ago, the increase in residential supply had brought down rents in Abu Dhabi. However, since the removal of the 5 per cent rent cap last November, landlords have been taking advantage of the situation with steep increases in rentals. With the lack of sufficient options for cheaper accommodation, people are even looking at areas such as Shahama, which are quite a distance away from the city.

RERA Guidelines to Prevent Properties

Alternatives as Abu Dhabi Rents Soar Expat families in Abu Dhabi are scouting around for cheaper options as rents in the capital continue to record steep increases. In many residential areas, rents have gone up by over 40 to 50 per cent due to rent caps being absent. Many expats find the higher rents unaffordable, as their monthly income has remained the same despite the rising rents. As a result, finding a cheaper alternative is the only solution, but finding one is not easy as rents have increased throughout the city. The rent increases have also reached the newer gated developments such as Saadiyat Island, Reem Island, Khalifa City and Al Reef. Even in Mussafah, on the outskirts, rents have increased dramatically. In January 2014, rents for a one bedroom apartment in Mussafah, which were earlier in the range of Dh 45,000 and Dh 50,000, had gone up to around Dh 50,000 to Dh 65,000. Similarly, two-bedroom units in Mussafah, which were available at an average rental of Dh 55,000 two years ago, are now at Dh 70,000. While the cost of living in Abu Dhabi has always been on the higher side, until now, rent caps had 4

As per a new circular issued by Real Estate Regulatory Agency (RERA), Dubai Developers against whom complaints of mismanagement or negligence are received within the first year that they manage the property, will not be allowed to continue managing it. According to the circular, in the event of such a situation arising, the power of the developer will be withdrawn, and an interim owners’ association (IAO) will be set up to oversee aspects of property management. Furthermore, the circular states that after the completion of the first year of operations, developers will have to call for the formation of an interim owners’ association before they can claim fees for property management services. In Dubai, many developers have been managing their projects for several years after the handover of projects to the unit owners, without having registered IOAs. Property management is a source of recurring income for developers as they claim management fees towards the maintenance and upkeep of the development. The circular, which is based on Law No.27 of 2007 that pertains to jointly owned property in Dubai, directs developers to submit to RERA an audited financial report that outlines the service fees for the previous years, in order to get approvals for the new fees to be levied in the subsequent year. Although this law was passed some time back,


Valoran Real Estate Brokers Issue No. 16 - April. 2014

The developer entered into agreements for construction projects in Al Furjan and International City. The Al Furjan contracts for residential homes and villas were awarded to Ginco General Contracting and United Engineering Construction (UNEC), while the contract for a retail centre in International City was awarded to MetacGeneral Contracting Company LLC.

Dubai’s largest listed developer announced its plans of a secondary listing of roughly 25 per cent of its shares in the Emaar malls business in the next 12 months. Besides the Nasdaq Dubai, the company would be looking at listing on the London Stock Exchange.

property owners face difficulties in taking control of their development as IOAs do not have legal status and thus, cannot open bank accounts or enter into contracts. However, RERA has been working towards rectifying this issue by uploading the names of approved IOAs into its ‘Mollak’ system and for enabling these associations to open bank accounts.

Supreme Council Member and Ruler of Fujairah, HH Sheikh Hamad Bin Mohammad Al Sharqi passed a resolution for setting up Mohammad Bin Zayed City. The 7 sq.km development would be in Al Hail Area located behind the Fujairah International Airport. It would have 4,000 housing units completed over three phases, in addition to facilities such as mosques, shops, schools, hospitals and parks.

As of November 2013, RERA had registered around 385 IOAs and were expected to register them subsequently into the Mollak system. In addition, RERA has signed a MOU with Emirates NBD, which allows the opening of Escrow accounts for IOAs, but some formalities need to be completed before these associations would be granted legal status.

Sale Price [ USD/SQF ] 750

4

500

Jan 2014: Abu Dhabi - USD 378/SQF

250 0

Rental Price [ USD/SQF ]

3

Jan 2014: Abu Dhabi - USD 2.26/SQF

2 Jan 2014: Dubai - USD 363/SQF

2005 Dubai

2010 Abu Dhabi

reiding.com

1

Jan 2014: Dubai - USD 2.15/SQF

2005 Dubai

2010 Abu Dhabi

2014 reidin.com

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Latest from the economy

February Hamed Mokhtar, Managing Director of Fortress Investments stated that following the official reclassification of UAE’s indices in May 2014 to ‘Emerging Markets’ status by New York based Morgan Stanley, huge inflows could be expected into the country’s financial markets. The upgrade would benefit the UAE by attracting more foreign investors and boosting liquidity, thereby helping to reinforce the country’s position as the financial hub of the MENA region.

The hospitality industry in the UAE displayed a buoyant trend with occupancy across the country reaching 84.1 per cent in February 2014. As per data from STR Global, which provides hotel industry market data, this reflected a 0.5 per cent increase compared to the same period last year. The average daily rate (ADR) touched AED 882.92 (an increase of 3 per cent), and revenue per available room (RevPAR) increased by 3.5 per cent to reach AED 742.25. Dubai hotels performed well and recorded the highest increase in the region, with ADR reaching USD 286.99. In Abu Dhabi, ADR fell 22.9 per cent to USD 148.72. In comparison, hotels in the Middle East and Africa (MEA) region had 67.4 per cent occupancy in February (1.3 per cent increase) compared to the previous year, while the ADR and RevPAR were $177.42 (2.7 per cent increase) and $119.55 (4 per cent increase), respectively.

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Valoran Real Estate Brokers Issue No. 16 - April. 2014

Data from TRI Hospitality Consulting showed that occupancy in Dubai hotels marginally declined by 1.1 percent to reach 87.6 per cent, owing to new supply being added to the market. As per data from the Department of Tourism and Commerce Marketing (DTCM) in Dubai, over 11 million visitors came to the emirate last year and contributed to revenue worth AED 21.84 billion, which was an increase of 16.1 per cent compared to 2012. Abu Dhabi’s Tourism and Culture Authority (TCA) recorded 2.8 million visitors in the capital in 2013, which was 18 per cent higher than 2012.

delegates, the region is poised to benefit from a share of the estimated global business worth Dh 20.6 billion. The strategy of the Dubai Convention Bureau is to try to increase Dubai’s market share by attracting global events that are hosted across different countries every year, besides trying to increase the number of delegates attending each of the events.

Dubai’s development pipeline for the next two years comprised 141 hotel establishments, including 99 hotels and 48 hotel apartments, according to DTCM.

Dubai to Witness Increased

Currently, business tourism accounts for around 20 per cent of tourism in Dubai, but experts forecast that over the next few years, business tourism will grow at the same pace as general tourism in the emirate. Speaking at the eighth edition of the Gulf Incentive, Business Travel and Meetings exhibition (GIBTM) that was held in Abu Dhabi, Steen Jakobsen, Director of Convention and Business Tourism, Dubai Convention Bureau said that Dubai’s tourism strategy was to double the number of tourist arrivals into the emirate from 2012 to 2020, with the annual number of visitors averaging 20 million, and business events would grow at the same rate as general tourism over the next 6 to 7 years as Dubai’s winning bid for Expo 2020 would prove the emirate’s ability to host large-scale events. With the International Association of Professional Congress Organizers organizing more than 6,500 meetings in a year, which attract around 2.5 million

The UAE market seems to be entering a new phase with several Initial Public Offerings (IPO) issues expected to come into the market. This puts an end to a five year drought of IPOs in the aftermath of the 2008 bubble burst. The first IPO announcement that signaled the end of the crisis, was by a company Marka, which was formed by a group of local businessmen and www.valoran.ae


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investors, who were looking at raising $75 million for starting operations in the fashion retailing and food sectors in the UAE. Following this, real estate investment trust Emirates Reit announced its plan to raise Dh 500 million by offering shares on Nasdaq Dubai, for making acquisitions and investments in the real estate sector that was showing rapid recovery. Emaar Properties joined the fray by retaining Morgan Stanley to offer advice on the proposed sale of 25 per cent of its mall and retail business for raising up to Dh 9 billion through a secondary market, offering that involved a dual listing on Nasdaq Dubai and the London Stock Exchange, which is expected to take place in mid-June. Other IPOs in the pipeline include that of Able Logistics Group, a freight forwarding company, and Senaat, the Abu Dhabi based industrial investment and holding company, which proposes to sell a part of its business, including National Petroleum Construction Company, through an offering later in the year. The spate of IPO announcements, especially in diverse areas such as oil, real estate, logistics and retail is a reassuring sign of increased business and investor confidence in the UAE.

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Increasing Foreign Dubai Investments, which is in the field of manufacturing and property investments, has plans for increasing the limit of foreign investments in its shares to 35 per cent of its total capital. At present, out of the permissible 20 per cent, around 13.7 per cent of the company’s shares are owned by foreign investors. The proposed change in its foreign investment cap will be voted upon at a meeting scheduled for April 15th, where the company’s shareholders will be present. Among the firm’s shareholders is Investment Corp of Dubai, which holds 11.5 per cent of the shares. Several other listed companies in Dubai, including Deyaar, Union Properties and Mashreq Bank have also indicated similar plans to raise their foreign ownership cap. In fact, many companies in the UAE and Qatar are taking a relook at their foreign ownership cap, before MSCI (International Index compiler) raises the countries to the ‘emerging market’ status, following which increased foreign investments are expected to flow in.


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Dubai Freehold Property Dubai International Financial Centre (DIFC) Set on 110 acres in between Burj Khalifa and Emirates Towers, Dubai International Financial Centre (DIFC) is a business and finance hub that connects the UAE to the rest of the world. The development has been designed to present magnificent views of the nearby universally recognized landmarks of the city. Its prime location allows easy access to Dubai International Airport. In addition, the business districts of Downtown Dubai and Business Bay can be reached in fifteen minutes. DIFC is also well connected to two metro stations besides being easily accessed from the city’s central highway – Sheikh Zayed Road. With a perfect blend of commercial retail and residential space in the development, DIFC offers an elite lifestyle with well-planned features, including an excellent road network and ample parking facilities in each of the zones, which focus on preventing traffic congestion, besides an underground service tunnel that links all the zones to provide easy access to utilities that ensure a smooth flow of business activities.

Zones The residential zone, which features a concentration of apartment towers, is well located between old and new Dubai and offers easy access to the best schools as well as healthcare facilities in the city. Among the residential developments in DIFC is the two-tower development, DAMAC Park Towers, which has 49-storeys of one, two and three bedroom apartments. In addition, some of the residential units in DIFC, including Central Park Tower, Burj Daman, DIFC Tower, Sky Gardens, Index Tower, Liberty House and Limestone House are a part of multi-use developments.

The development has three distinct zones – The Town Centre, Residential Zone and Office Zone – that are well integrated to provide a luxurious environment where people can live, work and play.

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The office zone comprises a concentration of commercial buildings that are located near the business centres at the World Trade Centre and Emirates Towers. In addition to modern office spaces that match world standards, the zone has fine dining restaurants that are ideal for business dinners or meetings, and educational facilities such as London Business School and Cass Business School, where business professionals can keep pace with global trends or update their skills. In addition, there are upscale gyms that offer the opportunity to lead a healthy lifestyle that isn’t ‘all work’.

At the heart of the development lies The Town Centre, which has retail spaces that cater to both the residential and office zones. It has the feel of a Piazza with al fresco restaurants that offer a range of cuisines. The bustling central market has the best of fruits, vegetables, seafood, meats and cheeses, which enhance the international lifestyle of the community. Mid-range shopping lines the retail street, which has a distinct European ambiance. The zone is lively even at night with nightclubs, cinemas and theatres that remain open until the early hours of the morning and attract party-goers from across the city. Bridges connect the streets in the area to the nearby metro stations making it easily accessible. The beautifully landscaped Town Centre has water features and greenery that are aesthetically appealing. The retail space is spread over two levels. The open-air esplanade of the upper level is best for enjoying the weather during the cooler parts of the year, while the lower level is completely air-conditioned to provide respite in the summer months.

Located in the heart of Dubai, Jumeirah Living World Trade Residence is an upscale residential complex comprising 377 luxurious residences. It 10

is situated on the site of the former World Trade Centre Hotel and is next to the World Trade Centre and the Dubai International Convention Centre. It is a fully serviced apartment complex that is considered one of the most prestigious inner city addresses in the city. The apartments are spread over 40 floors and two towers comprising a mix on one, two, three and four bedroom luxury residences. The design is contemporary and includes state-of-the-art fittings. The apartments offer spectacular views of the city skyline. The fully serviced apartments offer comprehensive housekeeping services, including babysitting, laundry, dry cleaning and tailoring. In addition, there are round the clock engineering services for maintenance. An added bonus is the Lifestyle Team that takes care of every need of residents from pre arrival orientation to relocation assistance, apartment set up and refrigerator/pantry stocking – anything that contributes to effortless living for residents. The facilities include a fitness centre complete with the latest equipment, personal trainer and nutritionist services. There is also a 25 meter roof top pool on the 30th floor.


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Sale Price & Rentals The one, two, three and four bedroom apartments in World Trade Centre Residences come in different layouts. Apartment Type

Area (sq.m) View

1 B/R Duplex

135

One-bedroom Duplex Club

1 B/R Duplex Club

135

Zabeel Park

2 B/R Simplex

116-132

World Trade Centre

2 B/R Duplex

171-229

2 B/R Duplex Gallery

210-220

2 B/R Club Simplex

116-132

2 B/R Club Duplex

170-230

2 B/R Club Gallery

210-220

2 B/R Duplex Eco*

171-229

Zabeel Park & Trade Centre

3 B/R Duplex Gallery

246-273

Zabeel Park

3 B/R Club Gallery

246-273

4 B/R Duplex

313

World Trade Centre

4 B/R Duplex Gallery

386

Zabeel Park

4 B/R Club Gallery

386

-

-

-

Sale prices in the luxury apartment complex vary depending on the number of bedrooms and the type of the apartment. Around 50 per cent of units are three-bedroom apartments. Average prices range from AED 2,300,000 for a one-bedroom apartment to AED 6,000,000 for a three-bedroom apartment. In terms of rentals, two-bedroom and threebedroom apartments in Trade Centre Residence average AED 242,500 per annum, ranging from AED 185,000 p.a. for the least expensive 2-bed to AED 300,000 p.a. for a 3-bed. Prices vary depending on the size and layout of the apartment as well as its view.

-

4BMF1SJDFT Villa Avg. Price: N/A Price Range: N/A

Apartment Avg. Price: AED 4,458,333 Price Range: AED 2,300,000 - AED 6,000,000

PropertZtypes

ProperUJFTbZbFErooms

tVilla tApartment

tbed

tbed

tbed

tbed

Source: propertyfinder.ae

3FOUBM1SJDFT Villa Avg. Price: N/A Price Range: N/A

Apartment Avg. Price: AED 242,500 Price Range: AED 185,000 - AED 300,000

PropertZtypes

tVilla tApartment

ProperUJFTbZbFErooms

tbed

tbed

tbed

tbed

Source: propertyfinder.ae

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International Real Estate News

South East Asian Cities Drop in Distressed Sales According to the latest data from CoreLogic, home sales in the US recorded a year-on-year increase of 8 per cent in February and a month-on-month increase of 3.8 per cent. Newly constructed homes recorded the highest growth, accounting for an increase of 23 per cent in February, while resales rose by 18 per cent. Distressed sales in February, including real estate owned (REO) and short sales, were 15.6 per cent of total sales, recording a decline compared to a year ago, when it was 22.8 per cent, thereby pointing at a trend towards sales of healthy homes. Distressed sales were at their highest in January 2009, when they touched 32.7 per cent, of which REO sales made up 28.3 per cent. The recent decline in REO sales shows a trend towards an improvement in home prices as REOs usually sell at bigger discounts than short sales. Among the states, Michigan recorded the largest share of distressed sales at 30 per cent. Other states with high percentages of distressed sales included Illinois (26.6 per cent), Nevada (26 per cent), Florida (24.8 per cent) and Georgia (23.5 per cent). In California, the share of distressed sales dropped by 17.8 per cent.

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According to the latest index from Knight Frank, in Q4 of 2013, Southeast Asian cities led the prime office rental growth and of them, Singapore made the most noticeable recovery. Office rentals also grew in Jakarta and more surprisingly in Bangkok, despite the uncertainty caused by unrest in the Thai capital. The Asia Pacific Prime Office Rental Index moved up by 0.8 per cent overall, with only 6 markets recording declines over the period. Net absorption increased by 19 per cent compared to the previous quarter, closing the year on a strong note. With this, the index is now 3.1 per cent over the precrisis peak of 2008 with 13 out of the 19 prime office markets that are part of the index seeing increases or stability in prime rents over the last quarter of 2013. Vacancy rates across the region increased marginally to touch 12 per cent in Q5, largely due to a significant number of construction completions. The highest growth rates for Grade-A office rentals were recorded in Jakarta (8.4 per cent) and Tokyo (4.2 per cent), respectively. In Jakarta, with new supply expected to enter the market in 2014, the growth is likely to slow down in the coming months. Tokyo continued to witness


Valoran Real Estate Brokers Issue No. 16 - April. 2014

a recovery in the office market, with prime rents growing by 4.2 per cent due to a boost in corporate earnings that was marked by increased leasing activity and lower vacancy rates throughout the city. In Bangkok, Grade-A rentals recorded a 1.7 increase during the quarter. However, demand for office space in Bangkok is likely to decline in the coming months due to the uncertainty caused by recent events. Both Malaysia and Vietnam appear to be at the bottom of the cycle. In Kuala Lumpur, the office market recorded a high vacancy rate, and the demand is likely to be sluggish in the coming months. China’s slowdown was marked by mixed performance across Tier-1 cities. While rents increased by 0.7 per cent in Shanghai, there is a worry of future oversupply in certain areas with significant new supply scheduled to enter the market in 2014 and 2020. In Beijing and Guangzhou, prime rents softened slightly. Hong Kong’s central office rents also continued to soften as net absorption continued to be low due to office tenants remaining cost conscious. In India, office rentals were stagnating in the three main cities covered in the report, due to economic constraints and the uncertainty caused by the upcoming elections. Softening of rentals across all the major CBDs in Australia too continued, due to rising incentives. Nicholas Holt, Knight Frank’s Head of Research in APAC said that with the global economy showing further signs of recovery and western economies slowly regaining strength, rentals in the region were likely to get a boost due to the demand from multinational occupiers. However, he cautioned that in some markets, the tightening of monetary conditions continued to pose a threat.

Brazil an Attractive Investors A new report from Colordarcy, which is based on information from several independent sources, cites Brazil as one of the world’s most exciting emerging property markets for investors who are looking at buy to let property that earns regular income. With the FIFA World Cup this year and the Olympic Games in 2016, the country’s prospects are high for attracting more visitors. This in turn increases rentals, especially in the major cities that will play host to these sporting events. According to Zap Imoveis (a real estate portal), the volume of rental properties in major cities in Brazil is very low. Vacancy rates are just around 10 per cent. As a result, the outlook for property prices depends on the number of people looking at a property, and the amount that they are willing to pay for it. Rental yields are between 8 to 10 per cent per annum, while property price increases range from 10 to 15 per cent per annum. Young professionals are finding the present prices in good areas almost unaffordable, even with mortgage rates being lowered to single digits. As a result, investors purchasing buy to let properties in Brasilia, Sao Paulo and Rio de Janeiro are making the most of the situation by doubling the rent when tenant contracts are renewed. The report suggests that smaller apartments (one bedroom or two bedroom units) in new developments are likely to fetch the highest yields as older developments lack modern amenities and as a result, are unlikely to fetch dramatically higher rents despite the shortage of rental properties. The report also highlights the potential of popular coastal areas for short term holiday lets. However, since the country has miles of coastline, areas that are close to business districts and have good transport connections are likely to perform the best. Natal and Fortaleza are the best coastal areas for foreign buyers. Currently, in Natal, coastal properties are earning average yields of around 10 per cent per annum. www.valoran.ae


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Lifestyle

Motorola Introduces Android Happy Plugs The Moto 360, the new Android wearable device from Motorola looks like a conventional wrist watch. However, unlike similar devices offered by Samsung and LG, Moto 360 is much more stylish. The leather and metal finish gives it an advantage over the competitors’ devices, most of which resemble a kid’s digital watch. With clean lines and beveled edges, Moto 360 can easily be mistaken for a traditional premium watch.

If you’ve been looking for a unique set of earbuds to add glamour to your smartphone, Happy Plugs’ 19 karat earbuds may be just the thing for you. Taking cues from the classic glamorous look, these earbuds are made from solid gold and are made to order and hand crafted by a goldsmith in Old Town in Stockholm, Sweden.

Being an Android Wear Device, the Moto 360 has multiple capabilities, which include displaying social media posts, viewing calendar entries, sports scores and GPS directions, among other things. The wearer receives subtle alerts when a notification is delivered to the device, just as on a smartphone. Like newer Android devices, Moto 360 responds to voice commands. The device will be first released in the United States in summer, before the global roll out, and will be available in several different styles.

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The earbuds, which are molded in gold, weigh 25 grams, which is almost equivalent to a piece of jewelry. The $14,500 earbuds come with a built-in microphone and a remote that facilitates handsfree talking and better control of music and calls. However, this is one pair of earbuds that you wouldn’t want to misplace. The company also has a gold-colored pair of earbuds for $25.


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Brooklyn based faucets and fixtures manufacturer, Watermark Designs, recently launched a new faucet collection that is reminiscent of the Tinker Toy construction collection for children. The new faucet comes in a range of finishes, handles and dimensions, making them completely customizable. These uniquely designed Watermark Elan Vital faucets push the boundaries of industrial design by incorporating it into residential kitchens and baths. Initially designed as a collaboration between Watermark, designer Susan Fredman and Chicagobased Hydrology’s David Kotowsky, once the project was completed Watermark Designs took it a step further by offering customized design. Among the industrial features is the lever handle, which is reminiscent of old commercial ball vales taken from an 18th century factory. However, it includes modern elements such as low flow aerator and small thermostatic valves. The collection includes a range of options such as bridge, deck mount, floor mount, wall mount and thermostatic showers.

Supercar manufacturer Lotus has extended their license to Kodewa Performance Motorcycles to bring out the first ever motorcycle in the brand’s line. The C-01, which will blend futuristic design with the performance that Lotus cars are wellknown for, will be designed by Daniel Simon, who has to his credit experience in having worked with companies such as Bugatti and Volkswagen, besides designing concepts cars that have appeared in movies, including Captain America, Oblivion and Tron. The visually appealing Lotus C-01 is a perfect fusion of classic design with modern technology that makes it safe and ergonomically sound. The body is made using carbon fiber, titanium and aerospace quality steel to produce a machine that is responsive when driven. In addition, the Kodewa V-twin, which is a two-cylinder four-stroke engine, puts it in the category of a superbike with 200hp. The C-01 will be a collector’s item as only 100 of them will be produced.

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International Property Markets Georgia With its location at a strategic point in the South Caucasus, the Republic of Georgia, which is on the historic Silk Route, is a gateway between Central and West Asia. Like most former Soviet Republics, the country went through economic decline in the 1990s after breaking away from Russia. Since then, it has transformed from being a purely agrarian economy to one of the fastest growing economies among the former Soviet Republics. In 2013, the country featured among the Top 10 nations in the Emerging Market Energy Security Growth Prosperity Index (by CISTRAN Finance News), which analyses the growth potential of countries based on GDP and energy reserves. On the political front, following the Rose Revolution in 2003, which was sparked by widespread corruption under Eduard Shevardnadze’s rule, Mikheil Saakashvili was elected president in early 2004. Under his regime, the economy of the country

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Valoran Real Estate Brokers Issue No. 16 - April. 2014

grew by approximately 35 per cent between 2004 and 2007. The country’s economy also remained surprisingly resilient through the 2008 war with Russia (brought on by civil conflict in Abkhazia and South Ossetia, which are now independent regions that are supported by Russia) and the global financial crisis. After the 2012 elections, the Georgian Dream – Democratic Georgia coalition emerged victorious and in October 2013, Giorgi Margvelashvili was elected the President.

government institutions being relocated there. Besides this, the coastal town Batumi and several other Black Sea locations such as Anaklia and Kobuleti, among others, are being developed as high end summer resorts to meet the demand of the growing number of tourists. Tourism contributed to 6 per cent of the GDP in 2013. In 2011, the number of tourist arrivals increased by 38 per cent to reach 2.8 million, followed by a further increase of 56 per cent in 2012 to touch 4.4 million. The recorded tourist arrivals had reached 5.4 million in the middle of 2013, recording a further increase of 25 per cent.

After a slowdown in economic growth in the last quarter of 2012, which was brought about by the uncertainty over post-election policies, the economy grew by 1.7 per cent in the first three GDP % growth, annual 7 6 5 4 3 2 1 0 2012

2013e

Europe & Central Asia

2014f

2015f

Russian Federation

2016f

Georgia

Source: : World Bank

quarters of 2013. As per World Bank figures, Georgia’s economy is expected to grow at 6.3 per cent in 2014. Foreign Direct Investment in Georgia was at its highest in 2007 at USD 2,105 million (yearly growth rate of 69.3 per cent), and it continued to grow in 2008, but saw a decline in 2009 following the war with Russia and the global financial crisis. From 2009-2011, FDI in the real estate sector amounted to 389 billion USD (15.8 per cent of total FDI). In 2012, FDI in the real estate and construction sector accounted for 9 per cent of FDI. Most of the investments in the real estate sector are made in the country’s capital Tbilisi. Kutaisi, the country’s third largest town, is also likely to benefit from a large number of

FDI Breakdown by sectors 2012 Energy sector: 20% Other sectors: 25%

Agriculture, Fishing: 2%

Manufacturing: 18%

Transports and Communications: 8%

Real estate and Construction: 9%

Financial sector: 18%

Source: Georgian National Investment Agency

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Home ownership in Georgia is among the highest in the world at 91.5 per cent as per 2011 figures. A significant portion of the housing stock was constructed between 1960 and 1990 during the communist construction boom, and ownership of these dwellings was transferred to residents by a decree in 1992, whereby the owners only had to pay a transfer tax to take possession of the title. With the aging residential stock, future demand for residential property will primarily arise due to replacement demand. With the high level of home ownership, the rental market in the country is very small. Many cashstrapped home owners put into practice the concept of Collateralized Rent, whereby they offer their home for occupation in exchange for a noninterest loan that is backed by a legally binding contract. Occupancy of the home is given in lieu of interest on the loan, and the dwelling serves as collateral to guard against non-payment of the principal amount at the end of the specified period of time. In the capital, Tbilisi, around 50 per cent of the residential stock comprises old dwellings built between 1960 and 1990. In 2006, after no construction for almost a decade, new homes in the city grew by around 12,500 units annually. In 2012, several residential projects were underway, which were expected to add approximately 8.3

Tbilisi, Georgia

million square meters to the city’s housing stock. From an investment perspective, Tbilisi’s small rental market in the mid-priced segment offers the best prospects in terms of yields. The resort town Batumi also has around half of its residential stock built between 1960 and 1990. Construction picked up since 2008 with around 3,500 units sold annually. 2012 was a record year in which more than 5,000 residential units were sold.

Chart 1: Structure of Residential Tenure in Georgia (2011)

Private ownership 91.5%

Not identified: 0.1% Free occupation: 5.8% Collateralized rent: 0.4% Rent: 2.2%

Source: Geostat

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Valoran Real Estate Brokers Issue No. 16 - April. 2014

From an investment standpoint, the premium and high-priced segments offer best returns in Batumi owing to booming Black Sea tourism activities in the area. There is no restriction on foreign ownership of property in Georgia, but in recent years, there have been widespread protests by farmers over foreign ownership of agricultural land. Non-residents are taxed on any income earned in Georgia. Rental income and capital gains on property held by nonresidents were taxed at 18 per cent in 2013. However, capital gains from property are not taxed if the property is held for more than two years before the sale. Capital gains on property sold as part of business activity is taxed at 18 per cent. No inheritance tax is payable by first or second degree relatives. Third and fourth degree relatives or any other heirs have to pay 18 per cent inheritance tax if the value exceeds GEL 150,000. Inheritance Tax HEIR CLASSIFICATION

TAX RATE

First degree relatives

0%

Second degree relatives

0%

Third degree relatives

18%

Fourth degree relatives

18%

Others

18%

Of Tbilisi’s 255,870 square feet of modern office stock, around 47 per cent are occupied by owners. Approximately 47 per cent of the modern space is new while 53 per cent is refurbished. In 2012, vacancy rate was 13 per cent and average rents were USD21 per square feet per month. Most of the new stock was added in 2007, which was a record year for new deliveries (55,139 sq.m). This was followed by a complete halt in delivery in 2008, after which new completions increased annually until 2011. Around 34,771 new stock was expected to be added to the office stock in 2013. Besides the Central Business District (CBD), most of the modern office stock in Tbilisi is spread across Vake-Vera, Saburtalo East, Saburtalo West and Davith. The average office rent in Tbilisi varies significantly from one district to another (USD30 in CBD to USD15 in Saburtalo). Rents in the CBD are fairly stable as is the case with Saburtalo. However, Vake-Vera, which was once a sought after area for business, has seen rents decline, largely due to an oversupply of inadequate office space. On the other hand, with the recent refurbishment of Agmashenebeli Avenue, Davith is emerging as a preferred area for both business and retail. From the investment perspective, Davith is likely to fetch higher yields as demand rises for office space in the area. Tbilisi, Georgia

Source: Global Property Guide

Georgia continues to be a primarily agrarian economy. As a result, service sector employment is small and most of it is concentrated in Tbilisi. Batumi and Kutaisi are also growing with the increase in tourism related activity. In Tbilisi, around a third of the service businesses are run out of residential units. Office park clusters are absent and investments by international developers are negligible. Only a few office buildings conform to European A-grade standards. www.valoran.ae


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Graph 3: Annual Supply and Cumulative Stock (2002-2011)

0

0

Annual supply (sqm)

2013

50,000

2012

10,000

2011

100,000

2010

20,000

2009

150,000

2008

30,000

2007

200,000

2006

40,000

2005

250,000

2004

50,000

2003

300,000

2002

60,000

Cumulative stock (sqm)

Source: Jones Lang LaSalle/IPM

Chart 1: Modern Office Stock by Office District (sqm)

Vake-Vera

52,875 CBD 39,645

55,700 Saburtalo West

31,171 25,210

Davith Source: Jones Lang LaSalle/IPM

20

Saburtalo East


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Kutaisi, Georgia

While the growing economy and strategic location work in favor of Georgia as a destination for property investment, there are a few factors that are causing investors to follow a wait and watch approach. Foremost among this is the uncertainty over the economic policies of the new government and the rising nationalist movement. In addition, the recent crisis in Ukraine has cast a shadow of doubt on the prospect of Georgia exploring closer ties with the European Union. However, with the optimist growth projections by the World Bank, which forecast growth rates of 6.3-6.5 per cent over the next three years, the property market could perform well in the residential and commercial sectors as the demand rises to keep pace with the growing economy.

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Real Estate Investing Lesson 14

Closing the Transaction Part II: The Final Steps Once Due Diligence and Property Inspection are completed, the time arrives for the final closing of the transaction. There are several important factors such as title holding pattern and insurance to be looked at before the actual closing takes place. In this month’s lesson, we take you through the last steps to be followed for ensuring that you get ownership of the property without any setbacks.

22


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Many buyers make a last minute decision about how they should hold the title, but this sometimes works against them as every individual has different needs when it comes to taxation, maintaining privacy or even protecting the property from being attached by creditors’ claims. Holding the title as a sole proprietor is the simplest option, but it has disadvantages such as unlimited liability. Hence, it’s best to analyze the pros and cons of the different patterns, including Joint Tenancy, Tenancy in Common, Partnerships, Limited Liability Companies (LLC) and Corporations, before choosing the option that matches your needs and financial situation.

The final step of closing the transaction usually involves the two parties (buyer and seller) sitting across the table with an attorney or closing agent and signing and getting the relevant documents notarized before the escrow funds are transferred. However, even at this stage, there could be certain snags that might prevent the transaction from concluding smoothly. It’s in your best interest to make a checklist and go over each of these points one by one.

The lender needs to sign off on your loan so that the total price can be paid to the seller. Don’t assume that everything is in place as lenders often require one last clarification about the source of funds for your down payment or an additional signature on a document. This could unnecessarily hold up the sanction of the loan and delay the closing. Follow up with the lender to ensure that all formalities are complete before the closing date.

instance, the amortization terms or the interest rate might be inaccurately recorded on the document drawn up by the lender. Read through the document carefully, including the fine print, to make sure that everything is in order. Otherwise, you might notice the mistake only on the day of closing and cause unnecessary delays while getting it rectified.

Make sure that you check in advance, whether the seller, the mortgage officer, the attorney and the escrow officer will be available on the proposed day of closing. Often, you might take their availability for granted only to find that they are on vacation during that time. Finding out the parties’ availability well ahead of time will allow you to reschedule without facing disappointment or negotiate for an extension, if necessary.

It’s common practice for both the buyer and the seller to receive estimated closing statements, which outline the various charges of the transaction, a few days prior to the closing date. Usually, the escrow officer or closing agent estimates expenses on the higher side so as to take care of any shortages that might arise, but this is nothing to worry about as the excess amount will be credited or refunded once the transaction is complete.

Make sure that you get a copy of the loan agreement and go through the various terms in detail. It’s not uncommon for errors to be present, which might be binding once you sign it. For www.valoran.ae


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The more important aspect is to analyze the actual amount of funds that will be made available through the loan or the additional funds that need to be transferred by cash, check or wire transfer before closing the escrow. Often, checks may take a week to clear, so make sure that you take into account the transfer times so that the funds are available when they are needed.

knowledge of the other by forging a signature. This makes the transaction unlawful, and when the aggrieved party makes a claim to the title of the property, you might find yourself in a sticky situation. Title insurance companies track records and documentation before granting insurance to a property based on its clean title. Thus, in a situation like the one mentioned above, they will make good any claims made against you or defend the title in case of legal action.

As a buyer, it’s important to make sure that the property is insured against possible disputes or unforeseen situations that might arise once the sale concludes. Title and Property insurance should be organized to protect your interests.

When selecting a title insurance company, be sure to check their ratings, and don’t blindly take the advice of the seller or an agent. Similarly, don’t choose the company that quotes the lowest prices without reading the fine print to verify whether there are hidden charges that you might have to bear in case there is a dispute with the title.

This form of insurance can protect the buyer or lender against possible disputes that might arise after the transaction is closed. For instance, a property that was jointly held by a separated couple might be sold by one of them without the

24

Once you become an owner of the property, any expense that might arise due to accidents or damages will have to be borne by you, so it’s


Valoran Real Estate Brokers Issue No. 16 - April. 2014

best to protect yourself with insurance coverage. Don’t wait until the last moment or assume that you will get insurance after the transaction closes. For instance, you might purchase a unit in a condominium only to find later that the insurer refuses to provide coverage because the space between the balcony railings does not comply with prescribed safety standards.

Just before the transaction is closed, the escrow officer provides the final closing statement to the seller and buyer. Besides verifying if the price is accurate, take a close look at the allocation of expenses to ensure that the costs have been shared between buyer and seller as previously agreed upon. This could relate to the list of expenses that the buyer and seller have agreed to share or bear individually such as broker’s fees, escrow fees, transfer tax and title policy, among other things.

If the price of the property includes certain fixtures that the seller had agreed to leave behind, it’s best to do one last physical inspection a day before the closing.

Once the escrow officer signs the documents and transfers the funds, it doesn’t automatically make you the owner of the property. There is still the final step of recording the deed that formally transfers the title in your name. Even after the deed recording is complete, there may be the issue of the formal takeover. For instance, if the owner resides in the property and continues to occupy it, you need to ask for full possession, unless you have previously entered into a written agreement that specifies a time within which he has to vacate. Once this is done, you can celebrate your new property ownership.

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Properties of the month JLT

Madinah Tower 3 bed apartment

AED 4,400,000

AP1373

Business Tower Commercial Space

Business Bay AED 1,200,000

L SA

L SA

2 bed apartment

Palm Jumeirah AED 4,000,000

AP1120

E

E

Balqis Residence

Standpoint Tower A 2 bed apartment

Down Town AED 3,300,000

Emirates Living AED 325,000

VI1346

Mehdi 055 5075040

Commercial Space

Business Bay AED 100,453

OF1369

NT

26

Bayswater

RE

NT

RE For above listed properties contact

LE

4 bed apartment

AP1371

SA

LE

SA

The Lakes, Deema 3

OF1086


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Properties of the month JLT

Lake View Tower 1 bed apartment

AED 1,500,000

AP1230

Bayswater Commercial Space

Issue No. 16 - April. 2014

Business Bay AED 20,000,000

L SA

L SA

Studio

AED 850,000

AP1314

E

E JLT

Global Lake View

The Address Dubai Mall Hotel 1 bed apartment

Down Town AED 3,400,000

Dubai Marina AED 1,550,000

AP1344

LE

1 bed apartment

AP1111

SA

LE

SA

Sulafa Tower

CB1356

Executive Tower B 1 bed apartment

Business Bay AED 1,950,000

AP1302

LE

SA

LE

SA For above listed properties contact

Mehdi 055 5075040

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Properties of the month Shemara Tower 1 bed apartment

Dubai Marina AED 1,875,000

AP1396

Al Fattan Tower 2 3 bed apartment

Dubai Marina AED 4,200,000

L SA

L SA

4 bed apartment

Emirates Living AED 6,381,449

VI1390

E

E

Meadows 2

Jumeirah Park 4 bed apartment

Jumeirah AED 6,150,000

Palm Jumeirah AED 9,900,000

VI1397

Alex 055 5075020

4 bed apartment

Emirates Living AED 7,800,000

VI1398

LE

28

Meadows 1

SA

LE

SA For above listed properties contact

LE

4 bed apartment

VI1321

SA

LE

SA

Canal Cove

AP1352


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Properties of the month Down Town

The Residence ll, Tower 3 1 bed apartment

AED 2,400,000

AP1329

JLT

Green Lakes S1 2 bed apartment

AED 2,850,000

L SA

L SA

1 bed apartment

AED 1,050,000

AP1408

E

E Dubai Marina

Marina Diamond II

Executive Tower K 3 bed apartment

Business Bay AED 3,405,350

LE

LE

Residential Plot

AED 27,000,000

AP1388

SA

SA Jumeirah Village, G+unlimited – District 12

AP1386

Jumeirah Islands, G+1 – Full Lake view Residential Plot

AED 11,500,000

LE

SA

LE

SA For above listed properties contact

Alex 055 5075020

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Properties of the month The Address Dubai Marina 1 bed apartment

Dubai Marina AED 2,700,000

AP1227

Tecom

Madison Residency 2 bed apartment

AED 1,680,000

L SA

L SA

4 bed apartment

Dubai Marina AED 25,000,000

AP1389

E

E

Le Reve

Golf Tower Canal Villas T2 3 bed apartment

The Greens AED 4,500,000

Jumeirah AED 4,900,000

VI1357

Alex 055 5075020

3 bed apartment

Emirates Living AED 4,500,000

VI1153

LE

30

The Lakes, Zulal

SA

LE

SA For above listed properties contact

LE

3 bed apartment

VI1319

SA

LE

SA

Jumeirah Park

AP1410


Valoran Real Estate Brokers Issue No. 16 - April. 2014

Properties of the month Bayswater Commercial Space

Business Bay AED 993,000

OF1409

Tanaro 2 bed apartment

Emirates Living AED 2,300,000

L SA

L SA

4 bed apartment

Al Barsha AED 15,000,000

VI1083

E

E

Barsha 2

The Address Dubai Mall Hotel 1 bed apartment

Downtown AED 3,700,000

LE

LE

Studio

AED 79,000

AP1340

AP1215

SA

SA JLT

Saba 3

AP1280

Al Manara Commercial Space

Business Bay AED 168,000

OF1400

NT

RE

NT

RE For above listed properties contact

Benny 052 6474292

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TWO TOWERS

t t t t t t

t t t t t t t

Unique and modern spacious 1B/R and 2B/R apartments available in Two Towers - Tecom, graced with contemporary European fittings, perfectly suited to accommodate premium lifestyle in Dubai. Two Towers provide its residents easy access to business hubs such as Dubai Media City and Knowledge Village as well as areas such as Palm Jumeirah and Dubai Marina, Mall of the Emirates and Ibn Battuta mall. You’ll find you’re never too far from work, play, or rest and direct access to Al Khail Road and Sheikh Zayed Road make it easy to reach places farther afield.

32

5XPSFTJEFOUJBMUPXFSTXJUIBTIBSFEDPVSUZBSE (ZNOBTJVN  4XJNNJOH 1PPM XJUI PVUEPPS terrace area and landscaped sun deck 5ISFF MFWFM TFDVSF CBTFNFOU QBSLJOH XJUI single point access 7FIJDMF ESPQ Pò QPJOU BU CVJMEJOH FOUSBODF lobby 3PVOEUIFDMPDLBEWBODFETFDVSJUZTZTUFN 1SPYJNJUZ UP .FUSP 4UBUJPO BOE XPSME DMBTT Shopping Malls

)VHFCBMDPOJFTPòFSJOHQBOPSBNJDWJFXT )JHIDFJMJOHT 4PMJENBSCMF 4MBUFBOE1BSRVFU'MPPSJOH *UBMJBO8BSESPCFTBOE,JUDIFO$BCJOFUT (FSNBO2VBMJUZ8IJUF(PPET &OFSHZ FóDJFOU $FOUSBM XBUFS IFBUJOH TZTUFN – resulting in substantial savings in electricity bills $FOUSBMJ[FE "JS $POEJUJPOJOH GSPN POTJUF Chillers – again resulting in huge savings.

Prices start from AED 1,380,868 for 1 B/R apartment, AED 1,788,574 for 2 B/R apartment and AED 2,425,875 for Penthouse with financing option for 10 years. Community Property Name Price starting from (AED)

1,380,868

1,788,574

Number of Bedroom(s)

1

2

2,661,269

BUA (in Sq.ft.)

1,318

1,745

2,451

Reference Number

AP1338

AP1339

AP1375

Contact Number

04 332 2248


Valoran Real Estate Brokers Issue No. 16 - April. 2014

T W O

T O W E R S

ONE B EDROOM F L O O R P L A N

LAUNDRY

LIV I N G/DI NI N G ROOM KITCH EN

EN TR AN CE

GU EST BE DROOM

EN S. 1

2

TYPICAL FLOORS: 3RD TO 21ST

1

3

6

UNITS 3 & 6: 1 BEDROOM APARTMENT UNITS: 1, 2, 4 & 5: 2 BEDROOM APARTMENT 4

5

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T W O

T O W E R S

TWO BEDROO M F L O O R P L A N

KITCH EN L IVING/ DI NING ROO M

ENT RANC E

GUE ST

LAUNDRY

BEDROO M II

ENS. II

BEDROO M

ENS. I

2

1

3

6

TYPICAL FLOORS: 3RD TO 21ST UNITS 3 & 6: 1 BEDROOM APARTMENT UNITS: 1, 2, 4 & 5: 2 BEDROOM APARTMENT 4

34

5


Valoran Real Estate Brokers Issue No. 16 - April. 2014

T W O

T O W E R S

PE NT HO USE A F L O O R P L A N

BEDRO OM VANIT Y DRESSING ROOM

ENSUI T E OPEN TO BELOW

KI TCHEN UPPER F LO OR L AUN DRY

DI NI NG ROOM

ENT RANCE

GU EST BAT H

LI VING ROOM

LOW ER FLOOR

PENTHOUSE FLOORS: 22/23/24

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‫اﻟﺒﻴﺎن اﻟﺨﺘﺎﻣﻲ اﻟﻨﻬﺎيئ‬

‫ﺗﺴﺠﻴﻞ ﺳﻨﺪ اﳌﻠﻜﻴﺔ ومتﻠﻚ اﻟﻌﻘﺎر‬

‫ﻗﺒﻞ إمتﺎم اﳌﻌﺎﻣﻠﺔ‪ ،‬ﻳﻘﺪم ﻣﺴﺆول اﻟﻀامن اﻟﺒﻴﺎن اﻟﺨﺘﺎﻣﻲ اﻟﻨﻬﺎيئ‬ ‫ﻟﻠﺒﺎﺋﻊ واﳌﺸﱰي‪ .‬إﱃ ﺟﺎﻧﺐ اﻟﺘﺤﻘﻖ ﻣﻦ دﻗﺔ اﻟﺜﻤﻦ‪ ،‬ﻗﻢ ﺑﺈﻟﻘﺎء ﻧﻈﺮة‬ ‫ﻓﺎﺣﺼﺔ ﻋﲆ اﻟﻨﻔﻘﺎت ﻟﻀامن أن اﻟﺘﻜﺎﻟﻴﻒ ﻗﺪ ﺗﻢ ﺗﻘﺎﺳﻤﻬﺎ ﺑني اﻟﺒﺎﺋﻊ‬ ‫واﳌﺸﱰي ﻛام اﺗﻔﻖ ﻋﻠﻴﻪ ﺳﺎﺑﻘﺎً‪ .‬ﻗﺪ ﻳﺘﻌﻠﻖ ﻫﺬا ﺑﻘﺎمئﺔ اﻟﻨﻔﻘﺎت اﻟﺘﻲ‬ ‫إﺗﻔﻖ اﻟﺒﺎﺋﻊ واﳌﺸﱰي ﻋﲆ ﺗﻘﺎﺳﻤﻬﺎ أو ﺗﺤﻤﻠﻬﺎ ﺑﺸﻜﻞ ﻓﺮدي ﻣﺜﻞ‬ ‫رﺳﻮم اﻟﻮﺳﻴﻂ‪ ،‬رﺳﻮم اﻟﻀامن‪ ،‬ﴐاﺋﺐ ﻧﻘﻞ اﳌﻠﻜﻴﺔ وﺳﻴﺎﺳﺔ اﳌﻠﻜﻴﺔ‪،‬‬ ‫ﻣﻦ ﺑني أﻣﻮر أﺧﺮى‪.‬‬

‫مبﺠﺮد ﺗﻮﻗﻴﻊ ﻣﺴﺆول اﻟﻀامن ﻋﲆ اﻟﻮﺛﺎﺋﻖ وﻧﻘﻞ اﻷﻣﻮال‪ ،‬ﻓﺈﻧﻚ ﺗﺼﺒﺢ‬ ‫ﺗﻠﻘﺎﺋﻴﺎً ﻣﺎﻟﻚ اﻟﻌﻘﺎر‪ .‬وﻟﻜﻦ ﻻ ﺗﺰال ﻫﻨﺎك ﺧﻄﻮة أﺧرية وﻫﻲ ﺗﺴﺠﻴﻞ‬ ‫ﺳﻨﺪ اﳌﻠﻜﻴﺔ اﻟﺬي ﻳﻨﻘﻞ رﺳﻤﻴﺎ ﻣﻠﻜﻴﺔ اﻟﻌﻘﺎر ﺑﺈﺳﻤﻚ‪ .‬ﺣﺘﻰ ﺑﻌﺪ‬ ‫اﻹﻧﺘﻬﺎء ﻣﻦ ﺗﺴﺠﻴﻞ ﺳﻨﺪ اﳌﻠﻜﻴﺔ‪ ،‬ﻗﺪ ﺗﻜﻮن ﻫﻨﺎك ﻣﺴﺄﻟﺔ اﻟﺘﻤﻠﻚ‬ ‫اﻟﺮﺳﻤﻲ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬إذا ﻛﺎن اﳌﺎﻟﻚ ﻳﻘﻴﻢ ﰲ اﻟﻌﻘﺎر‪ ،‬ﻋﻠﻴﻚ أن‬ ‫ﺗﻄﻠﺐ اﻟﺤﻴﺎزة اﻟﻜﺎﻣﻠﺔ‪ ،‬إﻻ إذا ﻛﻨﺖ ﻗﺪ دﺧﻠﺖ ﺳﺎﺑﻘﺎً ﰲ اﺗﻔﺎق ﻣﻜﺘﻮب‬ ‫ﻳﺤﺪد اﻟﻔﱰة اﻟﺰﻣﻨﻴﺔ اﻟﺘﻲ ﻳﻨﺒﻐﻲ ﺧﻼﻟﻬﺎ إﺧﻼء اﻟﻌﻘﺎر‪.‬‬

‫إذا ﻛﺎن ﺳﻌﺮ اﻟﻌﻘﺎر ﻳﺘﻀﻤﻦ ﺑﻌﺾ اﻟﱰﻛﻴﺒﺎت اﻟﺘﻲ اﺗﻔﻖ اﻟﺒﺎﺋﻊ ﻋﲆ‬ ‫ﺗﺮﻛﻬﺎ‪ ،‬ﻓﻤﻦ اﻷﻓﻀﻞ اﻟﻘﻴﺎم مبﻌﺎﻳﻨﺔ أﺧﺮى ﻗﺒﻞ ﻗﺒﻞ إمتﺎم اﳌﻌﺎﻣﻠﺔ‪.‬‬

‫مبﺠﺮد ﺣﺪوث ذﻟﻚ‪ ،‬ميﻜﻨﻚ اﻻﺣﺘﻔﺎل مبﻠﻜﻴﺔ اﻟﻌﻘﺎر اﻟﺠﺪﻳﺪ‪.‬‬

‫‪25‬‬


‫‪- 16‬‬

‫‪2014‬‬

‫اﻟﺘﺄﻣني‬ ‫ﻛﻤﺸﱰي‪ ،‬ﻣﻦ اﳌﻬﻢ اﻟﺘﺄﻛﺪ ﻣﻦ أن اﻟﻌﻘﺎر ﻣﺆﻣﻦ ﺿﺪ اﻟﻨﺰاﻋﺎت اﳌﺤﺘﻤﻠﺔ‬ ‫أو اﻟﺤﺎﻻت ﻏري اﳌﺘﻮﻗﻌﺔ اﻟﺘﻲ ﻗﺪ ﺗﻨﺸﺄ مبﺠﺮد إمتﺎم اﻟﺒﻴﻊ‪ .‬وﻳﻨﺒﻐﻲ‬ ‫ﺗﻨﻈﻴﻢ ﺗﺄﻣني اﳌﻠﻜﻴﺔ واﻟﻌﻘﺎر ﻟﺤامﻳﺔ ﻣﺼﺎﻟﺤﻚ‪.‬‬

‫ﺗﺄﻣني اﳌﻠﻜﻴﺔ‬ ‫ﻫﺬا اﻟﻨﻮع ﻣﻦ اﻟﺘﺄﻣني ميﻜﻦ أن ﻳﺤﻤﻲ اﳌﺸﱰي أو اﳌﻘﺮض ﺿﺪ‬ ‫اﻟﻨﺰاﻋﺎت اﳌﺤﺘﻤﻠﺔ اﻟﺘﻲ ﻗﺪ ﺗﻨﺸﺄ ﺑﻌﺪ إمتﺎم اﳌﻌﺎﻣﻠﺔ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪،‬‬ ‫اﻟﻌﻘﺎر ذو اﳌﻠﻜﻴﺔ اﳌﺸﱰﻛﺔ ﻟﺰوﺟﺎن ﻣﻨﻔﺼﻼن ﻗﺪ ﻳﺘﻢ ﺑﻴﻌﻪ ﻋﻦ ﻃﺮﻳﻖ‬ ‫أﺣﺪ اﻟﺰوﺟني دون ﻋﻠﻢ اﻵﺧﺮ ﻣﻦ ﺧﻼل ﺗﺰوﻳﺮ ﺗﻮﻗﻴﻊ‪ .‬وﻫﺬا ﻳﺠﻌﻞ‬ ‫اﳌﻌﺎﻣﻠﺔ ﻏري ﻗﺎﻧﻮﻧﻴﺔ‪ ،‬وﻋﻨﺪﻣﺎ ﻳﻘﻮم اﻟﻄﺮف اﳌﺘﴬر ﺑﺮﻓﻊ دﻋﻮى ﻋﲆ‬ ‫ﻣﻠﻜﻴﺔ اﻟﻌﻘﺎر‪ ،‬ﻗﺪ ﺗﺠﺪ ﻧﻔﺴﻚ ﰲ ﻣﻮﻗﻒ ﻣﺰﻋﺞ‪ .‬ﴍﻛﺎت ﺗﺄﻣني اﳌﻠﻜﻴﺔ‬ ‫ﺗﻘﻮم ﺑﺘﻌﻘﺐ اﻟﺴﺠﻼت و اﻟﻮﺛﺎﺋﻖ ﻗﺒﻞ ﻣﻨﺢ اﻟﺘﺄﻣني ﻋﲆ اﻟﻌﻘﺎرات ﻋﲆ‬ ‫أﺳﺎس ﻣﻠﻜﻴﺔ ﻓﻌﻠﻴﺔ‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﰲ ﺣﺎﻟﺔ ﻣﺜﻞ ﺗﻠﻚ اﳌﺬﻛﻮرة أﻋﻼه‪ ،‬ﺳﻮف‬ ‫ﻳﻜﻮن اﻷﻣﺮ ﺟﻴﺪا ً ﰲ ﺣﺎﻟﺔ وﺟﻮد أي ادﻋﺎءات ﺿﺪك أو اﻟﺪﻓﺎع ﻋﻦ‬ ‫اﳌﻠﻜﻴﺔ ﰲ ﺣﺎﻟﺔ اﺗﺨﺎذ اﻹﺟﺮاءات اﻟﻘﺎﻧﻮﻧﻴﺔ‪.‬‬

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‫ﻋﻨﺪ اﺧﺘﻴﺎر ﴍﻛﺔ ﺗﺄﻣني ﻣﻠﻜﻴﺔ‪ ،‬ﻛﻦ ﻣﺘﺄﻛﺪا ﻣﻦ ﻣﺮاﺟﻌﺔ ﺗﺼﻨﻴﻔﺎﺗﻬﺎ‪ ،‬ﻻ‬ ‫ﺗﺄﺧﺬ مبﺸﻮرة اﻟﺒﺎﺋﻊ أو اﻟﻮﻛﻴﻞ دون ﻋﻠﻢ‪ .‬وﺑﺎﳌﺜﻞ‪ ،‬ﻻ ﺗﻘﻢ ﺑﺈﺧﺘﻴﺎر‬ ‫اﻟﴩﻛﺔ اﻟﺘﻲ ﺗﺘﻄﻠﺐ أﻗﻞ اﻷﺳﻌﺎر دون ﻗﺮاءة اﻟﻐﺮاﻣﺔ ﻟﻠﺘﺤﻘﻖ ﻣام إذا‬ ‫ﻛﺎﻧﺖ ﻫﻨﺎك رﺳﻮم ﺧﻔﻴﺔ ﻗﺪ ﺗﺤﺘﺎج إﱃ إﻧﻔﺎﻗﻬﺎ ﰲ ﺣﺎﻟﺔ وﺟﻮد ﻧﺰاع‬ ‫ﻋﲆ اﳌﻠﻜﻴﺔ‪.‬‬

‫اﻟﺘﺄﻣني ﻋﲆ اﻟﻌﻘﺎر‬ ‫مبﺠﺮد أن ﺗﺼﺒﺢ ﻣﺎﻟﻜﺎً ﻟﻠﻌﻘﺎر‪ ،‬ﺳﻮف ﺗﺘﺤﻤﻞ أي ﻧﻔﻘﺎت ﻗﺪ ﺗﻨﺸﺄ‬ ‫ﺑﺴﺒﺐ اﻟﺤﻮادث أو اﻷﴐار‪ ،‬ﻟﺬﻟﻚ ﻓﻤﻦ اﻷﻓﻀﻞ ﺣامﻳﺔ ﻧﻔﺴﻚ ﻣﻦ‬ ‫ﺧﻼل اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ‪ .‬ﻻ ﺗﻨﺘﻈﺮ ﺣﺘﻰ آﺧﺮ ﻟﺤﻈﺔ أو ﺗﻔﱰض أﻧﻚ‬ ‫ﺳﻮف ﺗﺤﺼﻞ ﻋﲆ اﻟﺘﺄﻣني ﺑﻌﺪ إمتﺎم اﳌﻌﺎﻣﻠﺔ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﻗﺪ‬ ‫ﺗﻘﻮم ﺑﴩاء وﺣﺪة ﺳﻜﻨﻴﺔ ﰲ وﻗﺖ ﻻﺣﻖ ﻟﺘﺠﺪ أن اﳌﺆﻣﻦ ﻳﺮﻓﺾ ﺗﻮﻓري‬ ‫اﻟﺘﻐﻄﻴﺔ ﻷن اﻟﻔﺮاﻏﺎت ﺑني ﺳﻮر اﻟﴩﻓﺔ ﻻ ﺗﺘﻮاﻓﻖ ﻣﻊ ﻣﻌﺎﻳري اﻟﺴﻼﻣﺔ‬ ‫اﳌﻘﺮرة‪.‬‬


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‫منﻂ اﻟﺘﻤﻠﻚ‬

‫ﰲ ﻳﻮم اﻹمتﺎم ﻣام ﻳﺘﺴﺒﺐ ﰲ ﺗﺄﺧري اﳌﻌﺎﻣﻠﺔ إﱃ ﺣني ﺗﺼﺤﻴﺤﻪ‪.‬‬

‫اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﺸﱰﻳﻦ ﻳﺘﺨﺬون ﻗﺮارا ً ﰲ اﻟﻠﺤﻈﺔ اﻷﺧرية ﺣﻮل اﻟﻜﻴﻔﻴﺔ‬ ‫اﻟﺘﻲ ﻳﻨﺒﻐﻲ ﺑﻬﺎ إﻣﺘﻼﻛﻬﻢ ﻟﻠﻌﻘﺎر‪ ،‬وﻟﻜﻦ ﻫﺬا ﻳﻌﻤﻞ أﺣﻴﺎﻧﺎ ﺿﺪﻫﻢ‬ ‫ﺑﺎﻋﺘﺒﺎر أن ﻛﻞ ﻓﺮد ﻟﺪﻳﻪ اﺣﺘﻴﺎﺟﺎت ﻣﺨﺘﻠﻔﺔ ﻋﻨﺪﻣﺎ ﻳﺘﻌﻠﻖ اﻷﻣﺮ‬ ‫ﺑﺎﻟﴬاﺋﺐ‪ ،‬واﻟﺤﻔﺎظ ﻋﲆ اﻟﺨﺼﻮﺻﻴﺔ أو ﺣﺘﻰ ﺣامﻳﺔ اﻟﻌﻘﺎر ﻣﻦ‬ ‫إدراﺟﻪ ﺿﻤﻦ ﻣﻄﺎﻟﺒﺎت اﻟﺪاﺋﻨني‪ .‬متﻠﻚ اﻟﻌﻘﺎر ﺑﺈﻋﺘﺒﺎرك اﳌﺎﻟﻚ اﻟﻮﺣﻴﺪ‬ ‫ﻫﻮ اﻟﺨﻴﺎر اﻷﺳﻬﻞ‪ ،‬ﻟﻚ ﻟﻪ ﻋﻴﻮب ﻣﺜﻞ اﳌﺴﺆوﻟﻴﺔ ﻏري اﳌﺤﺪودة‪.‬‬ ‫وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻓﻤﻦ اﻷﻓﻀﻞ ﺗﺤﻠﻴﻞ إﻳﺠﺎﺑﻴﺎت وﺳﻠﺒﻴﺎت اﻷمنﺎط اﳌﺨﺘﻠﻔﺔ‪ ،‬مبﺎ‬ ‫ﰲ ذﻟﻚ اﻹﻳﺠﺎر اﳌﺸﱰك‪ ،‬اﻟﴩاﻛﺎت‪ ،‬اﻟﴩﻛﺎت ذات اﳌﺴﺆوﻟﻴﺔ اﳌﺤﺪودة‬ ‫)ذ م م( واﻟﴩﻛﺎت‪ ،‬ﻗﺒﻞ اﺧﺘﻴﺎر اﻟﺨﻴﺎر اﻟﺬي ﻳﻄﺎﺑﻖ اﺣﺘﻴﺎﺟﺎﺗﻚ‬ ‫ووﺿﻌﻚ اﳌﺎﱄ‪.‬‬

‫ﺗﻮاﻓﺮ ﺟﻤﻴﻊ اﻷﻃﺮاف‬

‫ﻗﺎمئﺔ ﻣﺮﺟﻌﻴﺔ ﳌﺎ ﻗﺒﻞ إمتﺎم اﳌﻌﺎﻣﻠﺔ‬ ‫اﻟﺨﻄﻮة اﻟﻨﻬﺎﺋﻴﺔ ﰲ إمتﺎم اﳌﻌﺎﻣﻠﺔ ﻋﺎدة ﻣﺎ ﺗﺘﻀﻤﻦ ﺟﻠﻮس اﻟﻄﺮﻓني‬ ‫)اﻟﺒﺎﺋﻊ واﳌﺸﱰي( ﻋﲆ اﻟﻄﺎوﻟﺔ ﻣﻊ ﻣﺤﺎم أو وﻛﻴﻞ إمتﺎم ﻋﻘﺎري‬ ‫واﻟﺘﻮﻗﻴﻊ واﻟﺤﺼﻮل ﻋﲆ ﻣﺴﺘﻨﺪات ﻣﻮﺛﻘﺔ ﻗﺒﻞ أن ﻳﺘﻢ ﻧﻘﻞ اﻟﻀامن‬ ‫اﳌﺎﱄ‪ .‬وﻟﻜﻦ‪ ،‬ﺣﺘﻰ ﻫﺬه اﳌﺮﺣﻠﺔ‪ ،‬ميﻜﻦ أن ﺗﻜﻮن ﻫﻨﺎك ﺑﻌﺾ اﻟﻌﻘﺒﺎت‬ ‫اﻟﺘﻲ ﻗﺪ ﺗﺤﻮل دون إﺑﺮام اﳌﻌﺎﻣﻠﺔ ﺑﺴﻼﺳﺔ‪ .‬ﻣﻦ اﳌﻔﻴﺪ ﻋﻤﻞ ﻗﺎمئﺔ‬ ‫ﻣﺮﺟﻌﻴﺔ وﻣﺮاﺟﻌﺔ ﻫﺬه اﻟﻨﻘﺎط واﺣﺪة ﺗﻠﻮ اﻷﺧﺮى‪.‬‬

‫أوراق اﻟﻘﺮض أو اﻟﺮﻫﻦ اﻟﻌﻘﺎري‬ ‫ﻳﺤﺘﺎج اﳌﻘﺮض أن ﻳﻮﻗﻊ ﻋﲆ ﻗﺮﺿﻚ ﺑﺤﻴﺚ ميﻜﻦ دﻓﻊ اﻟﺴﻌﺮ اﻹﺟامﱄ‬ ‫ﻟﻠﺒﺎﺋﻊ‪ .‬ﻻ ﺗﻔﱰض أن ﻛﻞ ﳾء ﻳﺠﺮي ﻋﲆ ﻣﺎ ﻳﺮام ﺣﻴﺚ أن اﳌﻘﺮﺿني‬ ‫ﻏﺎﻟﺒﺎ ﻣﺎ ﻳﻄﻠﺒﻮن ﺗﻮﺿﻴﺤﺎً أﺧريا ً ﺣﻮل ﻣﺼﺪر أﻣﻮال دﻓﻌﺎﺗﻚ أو اﻟﺘﻮﻗﻴﻊ‬ ‫اﻹﺿﺎﰲ ﻋﲆ وﺛﻴﻘﺔ‪ .‬وﻫﺬا ميﻜﻦ أن ﻳﻌﻘﺪ اﻟﻘﺮض وﻳﺆدي إﱃ ﺗﺄﺧري‬ ‫اﳌﻌﺎﻣﻠﺔ‪ .‬ﻗﻢ مبﺘﺎﺑﻌﺔ اﳌﻘﺮض ﻟﻀامن أن ﺟﻤﻴﻊ اﻹﺟﺮاءات ﻛﺎﻣﻠﺔ ﻗﺒﻞ‬ ‫اﳌﻮﻋﺪ اﻟﻨﻬﺎيئ‪.‬‬

‫ﺗﺄﻛﺪ ﻣﻦ أن اﻟﺘﺤﻘﻖ اﻟﺴﺎﺑﻖ‪ ،‬ﻣﺎ إذا ﻛﺎن اﻟﺒﺎﺋﻊ‪ ،‬ﻣﺴﺆول اﻟﺮﻫﻦ‬ ‫اﻟﻌﻘﺎري‪ ،‬اﳌﺤﺎﻣﻲ وﻣﺴﺆول اﻟﻀامن ﺳﻮف ﻳﻜﻮﻧﻮن ﺟﻤﻴﻌﺎً ﻣﺘﺎﺣني ﰲ‬ ‫اﻟﻴﻮم اﻟﺨﺘﺎﻣﻲ اﳌﻘﱰح‪ .‬ﰲ ﻛﺜري ﻣﻦ اﻷﺣﻴﺎن‪ ،‬ﻗﺪ ﺗﻌﺘﻘﺪ أﻧﻬﻢ ﻣﺘﺎﺣﻮن‬ ‫ﻟﺘﺠﺪ أﻧﻬﻢ ﰲ إﺟﺎزة ﺧﻼل ﺗﻠﻚ اﻟﻔﱰة‪ .‬ﻣﻌﺮﻓﺔ ﻣﺪى ﺗﻮاﻓﺮ اﻷﻃﺮاف ﻗﺒﻞ‬ ‫وﻗﺖ ﻛﺎف ﻣﻦ اﻟﻮﻗﺖ ﻳﺴﻤﺢ ﻟﻚ ﺑﺈﻋﺎدة ﺟﺪوﻟﺔ اﳌﻮﻋﺪ دون أن‬ ‫ﺗﻮاﺟﻪ ﺧﻴﺒﺔ أو اﻟﺘﻔﺎوض ﻣﻦ أﺟﻞ اﻟﺘﻤﺪﻳﺪ‪ ،‬إذا ﻟﺰم اﻷﻣﺮ‪.‬‬

‫اﻟﺒﻴﺎﻧﺎت اﻟﺨﺘﺎﻣﻴﺔ اﻟﺘﻘﺪﻳﺮﻳﺔ‬ ‫ﻳﻌﺪ ﺗﻠﻘﻲ اﻟﺒﻴﺎﻧﺎت اﻟﺨﺘﺎﻣﻴﺔ اﻟﺘﻘﺪﻳﺮﻳﺔ ﻣامرﺳﺔ ﺷﺎﺋﻌﺔ ﻟﻜﻞ ﻣﻦ‬ ‫اﳌﺸﱰي واﻟﺒﺎﺋﻊ‪ ،‬وﻫﻲ اﻟﺘﻲ ﺗﺤﺪد اﻟﺮﺳﻮم اﳌﺨﺘﻠﻔﺔ ﻟﻬﺬه اﳌﻌﺎﻣﻠﺔ‪،‬‬ ‫ﻗﺒﻞ أﻳﺎم ﻗﻠﻴﻠﺔ ﻣﻦ ﻣﻮﻋﺪ اﻹمتﺎم‪ .‬ﻋﺎدة‪ ،‬ﻳﻘﻮم ﻣﺴﺆول أو وﻛﻴﻞ اﻟﻀامن‬ ‫ﺑﺘﻘﺪﻳﺮ اﻟﺤﺪ اﻷﻋﲆ ﻟﻠﻨﻔﻘﺎت وذﻟﻚ ﳌﻌﺎﻟﺠﺔ أي ﻧﻘﺺ ﻗﺪ ﻳﻨﺸﺄ ﻓﻴﻬﺎ‪،‬‬ ‫وﻟﻜﻦ ﻫﺬا اﻟﴚء ﻻ ﻳﺪﻋﻮ ﻟﻠﻘﻠﻖ ﺣﻴﺚ أﻧﻪ ﺳﻮف ﻳﺘﻢ رد اﳌﺒﻠﻎ اﻟﺰاﺋﺪ‬ ‫أو إﺿﺎﻓﺘﻪ إﱃ اﻟﻘﺮض مبﺠﺮد اﻛﺘامل اﳌﻌﺎﻣﻠﺔ‪.‬‬ ‫اﻟﺠﺎﻧﺐ اﻷﻛرث أﻫﻤﻴﺔ ﻫﻮ ﺗﺤﻠﻴﻞ اﳌﺒﻠﻎ اﻟﻔﻌﲇ ﻣﻦ اﻷﻣﻮال اﻟﺘﻲ ﺳﻴﺘﻢ‬ ‫ﺗﻮﻓريﻫﺎ ﻣﻦ ﺧﻼل ﻗﺮض أو اﻷﻣﻮال اﻹﺿﺎﻓﻴﺔ اﻟﺘﻲ ﺗﺤﺘﺎج إﱃ ﻧﻘﻠﻬﺎ‬ ‫ﻧﻘﺪا‪ ،‬ﻣﻦ ﺧﻼل ﺷﻴﻚ أو ﺣﻮاﻟﺔ ﻣﴫﻓﻴﺔ ﻗﺒﻞ أن ﻳﻐﻠﻖ اﻟﻀامن‪ .‬ﰲ ﻛﺜري‬ ‫ﻣﻦ اﻷﺣﻴﺎن‪ ،‬ﻗﺪ ﻳﺴﺘﻐﺮق ﴏف اﻟﺸﻴﻜﺎت أﺳﺒﻮﻋﺎً‪ ،‬ﻟﺬﻟﻚ ﺗﺄﻛﺪ ﻣﻦ أن‬ ‫ﺗﺄﺧﺬ ﰲ اﻻﻋﺘﺒﺎر أوﻗﺎت ﴏف اﻷﻣﻮال ﺑﺤﻴﺚ ﺗﻜﻮن اﻷﻣﻮال ﻣﺘﺎﺣﺔ‬ ‫ﻋﻨﺪﻣﺎ ﺗﻜﻮن ﻫﻨﺎك ﺣﺎﺟﺔ إﻟﻴﻬﺎ‪.‬‬

‫اﻟﺘﺤﻘﻖ ﻣﻦ اﻟﻮﺛﺎﺋﻖ‬ ‫ﺗﺄﻛﺪ ﻣﻦ أن ﺗﺤﺼﻞ ﻋﲆ ﻧﺴﺨﺔ ﻣﻦ اﺗﻔﺎﻗﻴﺔ اﻟﻘﺮض ﺗﺘﻀﻤﻦ ﻛﺎﻓﺔ‬ ‫اﻟﺒﻨﻮد اﻟﺘﻔﺼﻴﻠﻴﺔ‪ .‬ﺣﻴﺚ إﻧﻪ ﻟﻴﺲ ﻣﻦ ﻏري اﳌﺄﻟﻮف ﺣﺪوث أﺧﻄﺎء‪،‬‬ ‫واﻟﺘﻲ ﻗﺪ ﺗﻜﻮن ﻣﻠﺰﻣﺔ مبﺠﺮد اﻟﺘﻮﻗﻴﻊ ﻋﻠﻴﻬﺎ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﻗﺪ‬ ‫ﻳﺤﺪث ﺧﻄﺄ ﰲ ﺑﻨﻮد اﻹﻗﺮاض أو ﺳﻌﺮ اﻟﻔﺎﺋﺪة ﰲ اﻟﻮﺛﻴﻘﺔ اﻟﺘﻲ وﺿﻌﺖ‬ ‫ﻣﻦ ﻗﺒﻞ اﳌﻘﺮض‪ .‬ﻣﻦ ﺧﻼل ﻗﺮاءة اﻟﻮﺛﻴﻘﺔ ﺑﻌﻨﺎﻳﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻟﻐﺮاﻣﺔ‪،‬‬ ‫ﻟﻠﺘﺄﻛﺪ ﻣﻦ أن ﻛﻞ ﳾء ﰲ ﻣﺤﻠﻪ‪ .‬ﺧﻼف ذﻟﻚ‪ ،‬ﻗﺪ ﺗﻼﺣﻆ اﻟﺨﻄﺄ ﻓﻘﻂ‬ ‫‪23‬‬


‫‪- 16‬‬

‫‪2014‬‬

‫‪14‬‬ ‫مبﺠﺮد اﻻﻧﺘﻬﺎء ﻣﻦ اﻟﺪراﺳﺎت اﻟﻨﺎﻓﻴﺔ ﻟﻠﺠﻬﺎﻟﺔ وﻣﻌﺎﻳﻨﺔ اﻟﻌﻘﺎر‪ ،‬ﻧﺼﻞ إﱃ اﻹمتﺎم اﻟﻨﻬﺎيئ ﻟﻠﻤﻌﺎﻣﻠﺔ‪ .‬ﻫﻨﺎك اﻟﻌﺪﻳﺪ‬ ‫ﻣﻦ اﻟﻌﻮاﻣﻞ اﻟﻬﺎﻣﺔ ﻣﺜﻞ منﻂ اﻟﺘﻤﻠﻚ واﻟﺘﺄﻣني اﻟﺘﻲ ﻳﺠﺐ إﻋﺎدة اﻟﻨﻈﺮ ﻓﻴﻬﺎ ﻗﺒﻞ أن ﻳﺘﻢ إمتﺎم اﳌﻌﺎﻣﻠﺔ ﻓﻌﻠﻴﺎً‪.‬‬ ‫ﰲ درس ﻫﺬا اﻟﺸﻬﺮ‪ ،‬ﺳﻮف ﻧﻮﺿﺢ ﻟﻜﻢ اﻟﺨﻄﻮات اﻷﺧرية اﻟﺘﻲ ﻳﺠﺐ اﺗﺒﺎﻋﻬﺎ ﻟﻀامن إﻣﺘﻼﻛﻚ ﻟﻠﻌﻘﺎر دون أي‬ ‫اﻧﺘﻜﺎﺳﺎت‪.‬‬

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Valoran Real Estate Brokers Your Lifestyle Broker

. . . 6 3-6 5 .

21


2014

- 16

Graph 3: Annual Supply and Cumulative Stock (2002-2011)

0

0

Annual supply (sqm)

2013

50,000

2012

10,000

2011

100,000

2010

20,000

2009

150,000

2008

30,000

2007

200,000

2006

40,000

2005

250,000

2004

50,000

2003

300,000

2002

60,000

Cumulative stock (sqm)

Source: Jones Lang LaSalle/IPM

Chart 1: Modern Office Stock by Office District (sqm)

Vake-Vera

52,875 CBD 39,645

55,700 Saburtalo West

31,171 25,210

Saburtalo East

Davith Source: Jones Lang LaSalle/IPM

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‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻟﻴﺲ ﻫﻨﺎك ﻗﻴﻮد ﻋﲆ ﻣﻠﻜﻴﺔ اﻷﺟﺎﻧﺐ ﻟﻠﻌﻘﺎرات ﰲ ﺟﻮرﺟﻴﺎ‪ ،‬وﻟﻜﻦ ﰲ‬ ‫اﻟﺴﻨﻮات اﻷﺧرية‪ ،‬ﻛﺎﻧﺖ ﻫﻨﺎك اﺣﺘﺠﺎﺟﺎت واﺳﻌﺔ اﻟﻨﻄﺎق ﻣﻦ ﻗﺒﻞ‬ ‫اﳌﺰارﻋني ﻋﲆ ﻣﻠﻜﻴﺔ اﻷﺟﺎﻧﺐ ﻟﻸراﴈ اﻟﺰراﻋﻴﺔ‪ .‬ﻳﺪﻓﻊ ﻏري اﳌﻘﻴﻤني‬ ‫ﴐﻳﺒﺔ ﻋﲆ أي دﺧﻞ ﻣﻜﺘﺴﺐ ﰲ ﺟﻮرﺟﻴﺎ‪ .‬وﺑﻠﻐﺖ ﴐﻳﺒﺔ اﻟﺪﺧﻞ‬ ‫اﻹﻳﺠﺎري واﻷرﺑﺎح اﻟﺮأﺳامﻟﻴﺔ ﻋﲆ اﻟﻌﻘﺎرات اﻟﺘﻲ ميﻠﻜﻬﺎ ﻏري اﳌﻘﻴﻤني‬ ‫ﻧﺴﺒﺔ ‪ 18‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪ .2013‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ ﻳﺨﻀﻊ اﳌﺎﻟﻚ ﻟﴬﻳﺒﺔ‬ ‫اﻷرﺑﺎح اﻟﺮأﺳامﻟﻴﺔ ﻣﻦ اﻟﻌﻘﺎرات إذا ﺗﻢ اﻹﺣﺘﻔﺎظ ﺑﺎﻟﻌﻘﺎر ﻷﻛرث ﻣﻦ‬ ‫ﻋﺎﻣني ﻗﺒﻞ اﻟﺒﻴﻊ‪ .‬ﻳﺘﻢ ﺣﺴﺎب ﴐﻳﺒﺔ اﻷرﺑﺎح اﻟﺮأﺳامﻟﻴﺔ ﻋﲆ اﻟﻌﻘﺎرات‬ ‫اﻟﺘﻲ ﺗﻢ ﺑﻴﻌﻬﺎ ﻛﺠﺰء ﻣﻦ اﻟﻨﺸﺎط اﻟﺘﺠﺎري ﺑﻨﺴﺒﺔ ‪ 18‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﻻ ﺗﻔﺮض ﴐﻳﺒﺔ اﳌرياث ﻋﲆ اﻷﻗﺎرب ﻣﻦ اﻟﺪرﺟﺔ اﻷوﱃ أو اﻟﺜﺎﻧﻴﺔ‪.‬‬ ‫اﻷﻗﺎرب ﻣﻦ اﻟﺪرﺟﺔ اﻟﺜﺎﻟﺜﺔ واﻟﺮاﺑﻌﺔ أو أي ورﺛﺔ أﺧﺮﻳﻦ ﻳﺨﻀﻌﻮن‬ ‫ﻟﺪﻓﻊ ‪ 18‬ﰲ اﳌﺎﺋﺔ ﴐﻳﺒﺔ ﻣرياث إذا ﺗﺠﺎوزت ﻗﻴﻤﺔ اﻟﻌﻘﺎر ‪150,000‬‬ ‫ﻻري ﺟﻮرﺟﻲ‪.‬‬ ‫‪Inheritance Tax‬‬ ‫‪TAX RATE‬‬

‫‪HEIR CLASSIFICATION‬‬

‫‪0%‬‬

‫‪First degree relatives‬‬

‫‪0%‬‬

‫‪Second degree relatives‬‬

‫‪18%‬‬

‫‪Third degree relatives‬‬

‫‪18%‬‬

‫‪Fourth degree relatives‬‬

‫‪18%‬‬

‫‪Others‬‬

‫‪ ،2012‬ﻛﺎن ﻣﻌﺪل اﻟﺸﻐﻮر ‪ 13‬ﰲ اﳌﺎﺋﺔ و ﻛﺎن ﻣﺘﻮﺳﻂ اﻹﻳﺠﺎرات ‪21‬‬ ‫دوﻻر أﻣﺮﻳيك ﻟﻜﻞ ﻗﺪم ﻣﺮﺑﻊ ﺷﻬﺮﻳﺎً‪.‬‬ ‫ﺗﻢ إﺿﺎﻓﺔ أﻛرث اﻷﺳﻬﻢ اﻟﺠﺪﻳﺪة ﰲ ﻋﺎم ‪ ،2007‬اﻟﺬي ﻛﺎن ﻋﺎﻣﺎً ﻗﻴﺎﺳﻴﺎً‬ ‫ﻟﺘﺴﻠﻴﻢ اﳌﻜﺎﺗﺐ اﻟﺠﺪﻳﺪة )‪ 55,139‬ﻣﱰ ﻣﺮﺑﻊ(‪ .‬وأﻋﻘﺐ ذﻟﻚ ﺗﻮﻗﻒ‬ ‫ﻛﺎﻣﻞ ﰲ اﻟﺘﺴﻠﻴﻢ ﰲ ﻋﺎم ‪ ،2008‬وﺑﻌﺪ ذﻟﻚ زاد اﻟﺘﺴﻠﻴﻢ اﻟﺠﺪﻳﺪ ﺳﻨﻮﻳﺎً‬ ‫ﺣﺘﻰ ﻋﺎم ‪ .2011‬ﻛﺎن ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﻀﺎف إﱃ اﳌﺨﺰون اﳌﻜﺘﺒﻲ ﰲ‬ ‫ﻋﺎم ‪ 2013‬ﺣﻮاﱄ ‪ 34,771‬ﻣﻦ اﳌﻜﺎﺗﺐ اﻟﺠﺪﻳﺪة‪.‬‬ ‫إﱃ ﺟﺎﻧﺐ اﳌﻨﻄﻘﺔ اﻟﺘﺠﺎرﻳﺔ اﳌﺮﻛﺰﻳﺔ )‪ ،(CBD‬ﻓﺈن ﻣﻌﻈﻢ اﻷﺳﻬﻢ‬ ‫اﳌﻜﺘﺒﻴﺔ اﻟﺤﺪﻳﺜﺔ ﰲ ﺗﺒﻠﻴﴘ ﺗﻨﺘﴩ ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء ﻓﻴﻚ‪ -‬ﻓريا‪ ،‬ﺳﺎﺑﻮرﺗﺎﻟﻮ‬ ‫اﻟﴩﻗﻴﺔ‪ ،‬ﺳﺎﺑﻮرﺗﺎﻟﻮ اﻟﻐﺮﺑﻴﺔ وداﻓﻴﺚ‪ .‬وﻳﺨﺘﻠﻒ ﻣﺘﻮﺳﻂ إﻳﺠﺎر اﳌﻜﺎﺗﺐ‬ ‫ﰲ ﺗﺒﻠﻴﴘ اﺧﺘﻼﻓﺎ ﻛﺒريا ﻣﻦ ﻣﻨﻄﻘﺔ إﱃ أﺧﺮى )‪ 30‬دوﻻر ﰲ اﳌﻨﻄﻘﺔ‬ ‫اﻟﺘﺠﺎرﻳﺔ اﳌﺮﻛﺰﻳﺔ إﱃ ‪ 15‬دوﻻر ﰲ ﺳﺎﺑﻮرﺗﺎﻟﻮ(‪ .‬اﻹﻳﺠﺎرات ﰲ اﳌﻨﻄﻘﺔ‬ ‫اﻟﺘﺠﺎرﻳﺔ اﳌﺮﻛﺰﻳﺔ ﻣﺴﺘﻘﺮة إﱃ ﺣﺪ ﻣﺎ ﻛام ﻫﻮ اﻟﺤﺎل ﰲ ﺳﺎﺑﻮرﺗﺎﻟﻮ وﻣﻊ‬ ‫ذﻟﻚ‪ ،‬ﺷﻬﺪت ﻓﻴﻚ‪-‬ﻓريا‪ ،‬اﻟﺘﻲ ﻛﺎﻧﺖ ﺗﻌﺪ ﻣﻨﻄﻘﺔ ﺗﺠﺎرﻳﺔ إﻧﺨﻔﺎﺿﺎً ﰲ‬ ‫اﻹﻳﺠﺎرات إﱃ ﺣﺪ ﻛﺒري ﺑﺴﺒﺐ وﻓﺮة اﳌﻌﺮوض ﻣﻦ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ‬ ‫اﻟﻐري ﻛﺎﻓﻴﺔ‪ .‬ﻣﻦ ﻧﺎﺣﻴﺔ أﺧﺮى‪ ،‬ﻣﻊ ﺗﺠﺪﻳﺪ ﺟﺎدة أﻏامﺷﻴﻨﻴﺒﻴﲇ‪ ،‬ﺗﻈﻬﺮ‬ ‫داﻓﻴﺚ ﺑﺈﻋﺘﺒﺎرﻫﺎ ﻣﻨﻄﻘﺔ ﻣﻔﻀﻠﺔ ﻟﺮﺟﺎل اﻷﻋامل واﳌﺤﺎل اﻟﺘﺠﺎرﻳﺔ‪ .‬ﻣﻦ‬ ‫وﺟﻬﺔ ﻧﻈﺮ اﻻﺳﺘﺜامر‪ ،‬ﻣﻦ اﳌﺮﺟﺢ أن ﺗﺤﻘﻖ داﻓﻴﺚ ﻋﺎﺋﺪات أﻋﲆ ﻣﻊ‬ ‫ارﺗﻔﺎع اﻟﻄﻠﺐ ﻋﲆ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ ﰲ اﳌﻨﻄﻘﺔ‪.‬‬

‫‪Source: Global Property Guide‬‬

‫ﻣﺎ زال إﻗﺘﺼﺎد ﺟﻮرﺟﻴﺎ إﻗﺘﺼﺎدا ً زراﻋﻴﺎً ﰲ اﳌﻘﺎم اﻷول‪ .‬وﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪،‬‬ ‫ﺗﻌﺪ اﻟﻌامﻟﺔ ﰲ ﻗﻄﺎع اﻟﺨﺪﻣﺎت ﺻﻐرية وﻳﱰﻛﺰ ﻣﻌﻈﻤﻬﺎ ﰲ ﺗﺒﻠﻴﴘ‪ .‬ﻛام‬ ‫ﺗﺘﺰاﻳﺪ ﰲ ﺑﺎﺗﻮﻣﻲ و ﻛﻮﺗﺎﻳﴘ أﻳﻀﺎ ﻣﻊ زﻳﺎدة اﻟﻨﺸﺎط اﻟﺴﻴﺎﺣﻲ‪ .‬ﰲ‬ ‫ﺗﺒﻠﻴﴘ‪ ،‬ﺣﻮاﱄ ﺛﻠﺚ ﴍﻛﺎت اﻟﺨﺪﻣﺎت ﺗﺪار ﻣﻦ اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ‪.‬‬ ‫وﺗﻌﺪ ﻗﻄﺎﻋﺎت اﳌﻜﺎﺗﺐ ﻏﺎﺋﺒﺔ واﻻﺳﺘﺜامرات ﻣﻦ ﻗﺒﻞ اﳌﻄﻮرﻳﻦ‬ ‫اﻟﺪوﻟﻴني ﺗﻜﺎد ﻻ ﺗﺬﻛﺮ‪ .‬ﻓﻘﻂ ﻋﺪد ﻗﻠﻴﻞ ﻣﻦ ﻣﺒﺎين اﳌﻜﺎﺗﺐ ﺗﺘﻔﻖ ﻣﻊ‬ ‫اﳌﻌﺎﻳري اﻷوروﺑﻴﺔ‪.‬‬ ‫ﻣﻦ ﺿﻤﻦ ‪ 255,870‬ﻗﺪم ﻣﺮﺑﻊ ﻣﻦ ﻣﺨﺰون اﳌﻜﺎﺗﺐ اﻟﺤﺪﻳﺜﺔ ﰲ‬ ‫ﺗﺒﻠﻴﴘ‪ ،‬ﺣﻮاﱄ ‪ 47‬ﰲ اﳌﺎﺋﺔ ﻳﺸﻐﻠﻬﺎ ﻣﺎﻟﻜﻮﻫﺎ‪ .‬ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 47‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ اﳌﺴﺎﺣﺔ اﻟﺤﺪﻳﺜﺔ ﺟﺪﻳﺪ ﰲ ﺣني ﺗﻢ ﺗﺠﺪﻳﺪ ‪ 53‬ﰲ اﳌﺎﺋﺔ‪ .‬ﰲ ﻋﺎم‬ ‫‪19‬‬


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‫‪2014‬‬

‫ﻣﻊ زﻳﺎدة ﻣﻌﺪل ﻣﻠﻜﻴﺔ اﳌﻨﺎزل‪ ،‬ﻓﺈن اﻟﺴﻮق اﻹﻳﺠﺎرﻳﺔ ﰲ اﻟﺒﻼد ﺻﻐرية‬ ‫ﺟﺪا ً‪ .‬وﺿﻊ اﻟﻌﺪﻳﺪ ﻣﻦ أﺻﺤﺎب اﳌﻨﺎزل اﻟﺬﻳﻦ ﻳﻌﺎﻧﻮن ﻣﻦ ﺿﺎﺋﻘﺔ‬ ‫ﻣﺎﻟﻴﺔ ﰲ ﻣامرﺳﺔ ﻣﻔﻬﻮم اﻹﻳﺠﺎر ﺑﻀامﻧﺎت‪ ،‬ﺣﻴﺚ أﻧﻬﻢ ﻳﻘﺪﻣﻮن‬ ‫ﻣﻨﺎزﻟﻬﻢ ﻟﻺﻗﺎﻣﺔ ﰲ ﻣﻘﺎﺑﻞ ﻗﺮض ﺑﺪون ﻓﻮاﺋﺪ ﻣﺪﻋﻮﻣﺎً ﺑﻌﻘﺪ ﻣﻠﺰم‬ ‫ﻗﺎﻧﻮﻧﻴﺎً‪ .‬وﻳﻜﻮن اﻹﺷﻐﺎل ﺑﺪﻻً ﻣﻦ ﻓﺎﺋﺪة اﻟﻘﺮض‪ ،‬وﻳﻜﻮن اﳌﺴﻜﻦ‬ ‫ﻛﻀامن ﻟﻠﺤﺮاﺳﺔ ﺿﺪ ﻋﺪم دﻓﻊ اﳌﺒﻠﻎ اﻷﺻﲇ ﰲ ﻧﻬﺎﻳﺔ ﻓﱰة ﻣﺤﺪدة‬ ‫ﻣﻦ اﻟﺰﻣﻦ‪.‬‬ ‫ﰲ اﻟﻌﺎﺻﻤﺔ ﺗﺒﻠﻴﴘ‪ ،‬ﺣﻮاﱄ ‪ 50‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﺨﺰون اﻟﺴﻜﻨﻲ ﻳﻀﻢ‬ ‫اﳌﺴﺎﻛﻦ اﻟﻘﺪميﺔ اﻟﺘﻲ ﺑﻨﻴﺖ ﺑني ﻋﺎﻣﻲ ‪ 1960‬و ‪ .1990‬ﰲ ﻋﺎم ‪،2006‬‬ ‫ﺑﻌﺪ ﻋﺪم اﻟﺒﻨﺎء ﻟﻌﻘﺪ ﻣﻦ اﻟﺰﻣﻦ ﺗﻘﺮﻳﺒﺎً‪ ،‬ﻇﻬﺮت اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ‬ ‫اﻟﺠﺪﻳﺪة ﰲ اﳌﺪﻳﻨﺔ ﺑﻨﺤﻮ ‪ 12،500‬وﺣﺪة ﺳﻨﻮﻳﺎً‪ .‬ﰲ ﻋﺎم ‪ ،2012‬ﻛﺎﻧﺖ‬ ‫اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﺸﺎرﻳﻊ اﻟﺴﻜﻨﻴﺔ اﻟﺠﺎرﻳﺔ‪ ،‬واﻟﺘﻲ ﻛﺎن ﻣﻦ اﳌﺘﻮﻗﻊ أن‬ ‫ﺗﻀﻴﻒ ﻧﺤﻮ ‪ 8.3‬ﻣﻼﻳني ﻣﱰ ﻣﺮﺑﻊ ﻟﻠﻤﺴﺎﻛﻦ ﰲ اﳌﺪﻳﻨﺔ‪ .‬ﻣﻦ وﺟﻬﺔ ﻧﻈﺮ‬ ‫اﻻﺳﺘﺜامر‪ ،‬ﺳﻮق اﻹﻳﺠﺎر اﻟﺼﻐرية ﰲ ﺗﺒﻠﻴﴘ ﰲ اﻟﻘﻄﺎع ﻣﺘﻮﺳﻂ اﻷﺳﻌﺎر‬ ‫ﻳﻮﻓﺮ أﻓﻀﻞ اﻵﻓﺎق ﻣﻦ ﺣﻴﺚ اﻟﻌﺎﺋﺪات‪.‬‬

‫ﻣﻠﻜﻴﺔ اﳌﻨﺎزل ﰲ ﺟﻮرﺟﻴﺎ ﻫﻲ ﻣﻦ ﺑني أﻋﲆ اﳌﻌﺪﻻت ﰲ اﻟﻌﺎمل ﺑﻨﺴﺒﺔ‬ ‫‪ 91.5‬ﰲ اﳌﺎﺋﺔ وﻓﻘﺎً ﻷرﻗﺎم ‪ .2011‬ﺷﻴﺪ ﺟﺰء ﻛﺒري ﻣﻦ اﳌﺴﺎﻛﻦ ﺑني‬ ‫ﻋﺎﻣﻲ ‪ 1960‬و ‪ 1990‬ﺧﻼل ﻃﻔﺮة اﻟﺒﻨﺎء اﻟﺸﻴﻮﻋﻲ‪ ،‬وﺗﻢ ﻧﻘﻞ ﻣﻠﻜﻴﺔ‬ ‫ﻫﺬه اﳌﺴﺎﻛﻦ ﻟﺴﻜﺎﻧﻬﺎ مبﺮﺳﻮم ﰲ ﻋﺎم ‪ ،1992‬ﺣﻴﺚ ﻛﺎن ﻳﺘﻮﺟﺐ ﻋﲆ‬ ‫أﺻﺤﺎب اﳌﻨﺎزل دﻓﻊ ﴐﻳﺒﺔ ﻧﻘﻞ ﻣﻠﻜﻴﺔ ﻓﻘﻂ ﻟﻼﺳﺘﻴﻼء ﻋﲆ اﻟﺴﻜﻦ‪.‬‬ ‫ﻣﻊ ﻗﺪم اﳌﺨﺰون اﻟﺴﻜﻨﻲ‪ ،‬ﻓﺈن اﻟﻄﻠﺐ اﳌﺴﺘﻘﺒﲇ ﻋﲆ اﻟﻌﻘﺎرات‬ ‫اﻟﺴﻜﻨﻴﺔ ﺳﻮف ﻳﺰﻳﺪ ﺑﺴﺒﺐ اﻟﻄﻠﺐ ﻋﲆ إﺣﻼل اﳌﻨﺎزل اﻟﺴﻜﻨﻴﺔ‪.‬‬

‫ﻳﺤﺘﻮي ﻣﻨﺘﺠﻊ ﺑﺎﺗﻮﻣﻲ أﻳﻀﺎً ﻋﲆ ﻣﺎ ﻳﻘﺮب ﻣﻦ ﻧﺼﻒ اﳌﺨﺰون اﻟﺴﻜﻨﻲ‬ ‫اﻟﺬي ﺑﻨﻲ ﺑني ﻋﺎﻣﻲ ‪ 1960‬و ‪ .1990‬وزاد ﻣﻌﺪل اﻟﺒﻨﺎء ﻣﻨﺬ ﻋﺎم ‪2008‬‬ ‫ﻣﻊ ﺑﻴﻊ ﺣﻮاﱄ ‪ 3،500‬وﺣﺪة ﺳﻨﻮﻳﺎً‪ 2012 .‬ﻛﺎن ﻋﺎﻣﺎ ﻗﻴﺎﺳﻴﺎً ﺣﻴﺚ ﺗﻢ‬ ‫ﺑﻴﻊ أﻛرث ﻣﻦ ‪ 5،000‬وﺣﺪة ﺳﻜﻨﻴﺔ‪ .‬ﻣﻦ وﺟﻬﺔ ﻧﻈﺮ اﻻﺳﺘﺜامر‪ ،‬ﺗﻮﻓﺮ‬ ‫اﻟﻌﻘﺎرات اﳌﻤﻴﺰة وﻗﻄﺎع اﻟﻌﻘﺎرات ﻣﺮﺗﻔﻌﺔ اﻷﺳﻌﺎر أﻓﻀﻞ اﻟﻌﻮاﺋﺪ ﰲ‬ ‫ﺑﺎﺗﻮﻣﻲ ﺑﺴﺒﺐ ازدﻫﺎر اﻷﻧﺸﻄﺔ اﻟﺴﻴﺎﺣﻴﺔ ﰲ ﻣﻨﻄﻘﺔ اﻟﺒﺤﺮ اﻷﺳﻮد ﰲ‬ ‫اﳌﻨﻄﻘﺔ‪.‬‬

‫)‪Chart 1: Structure of Residential Tenure in Georgia (2011‬‬

‫‪Private ownership‬‬ ‫‪91.5%‬‬

‫‪Not identified: 0.1%‬‬ ‫‪Free occupation: 5.8%‬‬ ‫‪Collateralized rent: 0.4%‬‬ ‫‪Rent: 2.2%‬‬

‫‪Source: Geostat‬‬

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‫ﺧﻼل اﻟﺤﺮب ﻋﺎم ‪ 2008‬ﻣﻊ روﺳﻴﺎ )اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﻟﴫاع اﳌﺪين ﰲ‬ ‫أﺑﺨﺎزﻳﺎ وأوﺳﻴﺘﻴﺎ اﻟﺠﻨﻮﺑﻴﺔ‪ ،‬واﻟﺘﻲ ﻫﻲ اﻵن اﳌﻨﺎﻃﻖ اﳌﺴﺘﻘﻠﺔ اﻟﺘﻲ‬ ‫ﺗﺪﻋﻤﻬﺎ روﺳﻴﺎ( واﻷزﻣﺔ اﳌﺎﻟﻴﺔ اﻟﻌﺎﳌﻴﺔ‪ .‬ﺑﻌﺪ اﻧﺘﺨﺎﺑﺎت ﻋﺎم ‪ ،2012‬ﺑﺮز‬ ‫ﺗﺤﺎﻟﻒ اﻟﺤﻠﻢ اﻟﺠﻮرﺟﻲ – ﺟﻮرﺟﻴﺎ اﻟﺪميﻘﺮاﻃﻴﺔ ﻣﻨﺘﴫا ً وﰲ اﻛﺘﻮﺑﺮ‬ ‫ﻣﻦ ﻋﺎم ‪ ،2013‬اﻧﺘﺨﺐ ﺟﻴﻮرﺟﻲ ﻣﺎرﻏﻔﻴﻼﺷﺎﻓﻴﻠﲇ رﺋﻴﺴﺎً ﻟﻠﺒﻼد‪.‬‬ ‫ﺑﻌﺪ اﻟﺘﺒﺎﻃﺆ ﰲ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي ﰲ اﻟﺮﺑﻊ اﻷﺧري ﻣﻦ ﻋﺎم ‪ ،2012‬واﻟﺬي‬ ‫متﺨﻀﺖ ﻋﻨﻪ ﺣﺎﻟﺔ ﻋﺪم اﻟﻴﻘني ﺑﺸﺄن ﺳﻴﺎﺳﺎت ﻣﺎ ﺑﻌﺪ اﻻﻧﺘﺨﺎﺑﺎت‪ ،‬منﺎ‬ ‫اﻻﻗﺘﺼﺎد ﺑﻨﺴﺒﺔ ‪ 1.7‬ﰲ اﳌﺎﺋﺔ ﰲ اﻷرﺑﺎع اﻟﺜﻼﺛﺔ اﻷوﱃ ﻣﻦ ﻋﺎم ‪.2013‬‬ ‫وﻓﻘﺎ ﻷرﻗﺎم اﻟﺒﻨﻚ اﻟﺪوﱄ‪ ،‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﻨﻤﻮ إﻗﺘﺼﺎد ﺟﻮرﺟﻴﺎ‬ ‫مبﻌﺪل ‪ 6.3‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪.2014‬‬

‫ﻣﻮاﻗﻊ أﺧﺮى ﰲ ﻣﻨﻄﻘﺔ اﻟﺒﺤﺮ اﻷﺳﻮد ﻣﺜﻞ أﻧﺎﻛﻠﻴﺎ و ﻛﺒﻮﻟﻴﺘﻲ‪ ،‬ﻣﻦ ﺑني‬ ‫ﻣﺪن أﺧﺮى‪ ،‬ﻟﺘﻜﻮن ﻣﻨﺘﺠﻌﺎت ﺻﻴﻔﻴﺔ ﻟﺘﻠﺒﻴﺔ ﻃﻠﺐ اﻟﻌﺪد اﳌﺘﺰاﻳﺪ ﻣﻦ‬ ‫اﻟﺴﻴﺎح‪ .‬ﺳﺎﻫﻤﺖ اﻟﺴﻴﺎﺣﺔ ﺑﻨﺴﺒﺔ ‪ 6‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﺎﺗﺞ اﳌﺤﲇ‬ ‫اﻹﺟامﱄ ﰲ ﻋﺎم ‪ .2013‬ﰲ ﻋﺎم ‪ ،2011‬زاد ﻋﺪد اﻟﺴﻴﺎح اﻟﻮاﻓﺪﻳﻦ‬ ‫ﺑﻨﺴﺒﺔ ‪ 38‬ﰲ اﳌﺎﺋﺔ ﻟﻴﺼﻞ إﱃ ‪ 2.8‬ﻣﻠﻴﻮن‪ ،‬ﺗﻠﻴﻬﺎ زﻳﺎدة أﺧﺮى ﻣﻦ ‪ 56‬ﰲ‬ ‫اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪ 2012‬وﺻﻠﺖ إﱃ ‪ 4.4‬ﻣﻠﻴﻮن‪ .‬وﺑﻠﻎ ﻋﺪد اﻟﺴﻴﺎح ‪5.4‬‬ ‫ﻣﻠﻴﻮن ﰲ ﻣﻨﺘﺼﻒ ﻋﺎم ‪ ،2013‬ﻣﺴﺠﻼ زﻳﺎدة أﺧﺮى ﺑﻨﺴﺒﺔ ‪ 25‬ﰲ‬ ‫اﳌﺎﺋﺔ‪.‬‬

‫‪GDP % growth, annual‬‬ ‫‪7‬‬ ‫‪6‬‬ ‫‪5‬‬ ‫‪4‬‬ ‫‪3‬‬ ‫‪2‬‬ ‫‪1‬‬ ‫‪0‬‬ ‫‪2016f‬‬

‫‪Georgia‬‬

‫‪2015f‬‬

‫‪2014f‬‬

‫‪Russian Federation‬‬

‫‪2012‬‬

‫‪2013e‬‬

‫‪Europe & Central Asia‬‬ ‫‪Source: : World Bank‬‬

‫وﻛﺎن اﻻﺳﺘﺜامر اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ ﰲ ﺟﻮرﺟﻴﺎ ﰲ أﻋﲆ ﻣﺴﺘﻮى ﻟﻪ ﰲ ﻋﺎم‬ ‫‪ 2007‬ﻋﻨﺪ ‪ 2،105‬ﻣﻠﻴﻮن دوﻻر )مبﻌﺪل منﻮ ﺳﻨﻮي ﻗﺪره ‪ 69.3‬ﰲ‬ ‫اﳌﺎﺋﺔ(‪ ،‬واﺳﺘﻤﺮ ﰲ اﻟﻨﻤﻮ ﰲ ﻋﺎم ‪ ،2008‬وﻟﻜﻨﻪ ﺷﻬﺪ ﺗﺮاﺟﻌﺎً ﰲ ﻋﺎم‬ ‫‪ 2009‬ﰲ أﻋﻘﺎب اﻟﺤﺮب ﻣﻊ روﺳﻴﺎ واﻷزﻣﺔ اﳌﺎﻟﻴﺔ اﻟﻌﺎﳌﻴﺔ‪ .‬ﻣﻦ ‪2009-‬‬ ‫‪ ،2011‬ﺣﻴﺚ ﺑﻠﻎ اﻹﺳﺘﺜامر اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ ﰲ ﻗﻄﺎع اﻟﻌﻘﺎرات إﱃ‬ ‫‪ 389‬ﻣﻠﻴﺎر دوﻻر أﻣﺮﻳيك )‪ 15.8‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻣﺠﻤﻮع اﻻﺳﺘﺜامر‬ ‫اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ(‪ .‬ﰲ ﻋﺎم ‪ ،2012‬ﺷﻜﻠﺖ اﻻﺳﺘﺜامرات اﻷﺟﻨﺒﻴﺔ اﳌﺒﺎﴍة‬ ‫ﰲ ﻗﻄﺎع اﻟﻌﻘﺎرات واﻟﺒﻨﺎء ‪ 9‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻻﺳﺘﺜامر اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ‪.‬‬ ‫وﺗﺘﻢ ﻣﻌﻈﻢ اﻻﺳﺘﺜامرات ﰲ اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﰲ ﻋﺎﺻﻤﺔ اﻟﺒﻼد ﺗﺒﻠﻴﴘ‪.‬‬ ‫ﻛﻮﺗﺎﻳﴘ‪ ،‬ﺛﺎﻟﺚ أﻛﱪ ﻣﺪﻳﻨﺔ ﰲ اﻟﺒﻼد‪ ،‬واﻟﺘﻲ ﻣﻦ اﳌﺮﺟﺢ أن ﺗﺴﺘﻔﻴﺪ ﻣﻦ‬ ‫إﻧﺘﻘﺎل ﻋﺪد ﻛﺒري ﻣﻦ اﳌﺆﺳﺴﺎت اﻟﺤﻜﻮﻣﻴﺔ إﻟﻴﻬﺎ‪.‬‬ ‫وﺑﺎﻻﺿﺎﻓﺔ اﱃ ﻫﺬا‪ ،‬ﻳﺠﺮي ﺗﻄﻮﻳﺮ اﳌﺪﻳﻨﺔ اﻟﺴﺎﺣﻠﻴﺔ ﺑﺎﺗﻮﻣﻲ وﻋﺪة‬

‫‪FDI Breakdown by sectors 2012‬‬ ‫‪Energy sector:‬‬ ‫‪20%‬‬ ‫‪Other sectors:‬‬ ‫‪25%‬‬

‫‪Agriculture,‬‬ ‫‪Fishing: 2%‬‬

‫‪Manufacturing:‬‬ ‫‪18%‬‬

‫‪Transports and‬‬ ‫‪Communications: 8%‬‬

‫‪Financial sector:‬‬ ‫‪18%‬‬

‫‪Real estate and‬‬ ‫‪Construction: 9%‬‬

‫‪Source: Georgian National Investment Agency‬‬

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‫‪- 16‬‬

‫‪2014‬‬

‫ﻣﻊ ﻣﻮﻗﻌﻬﺎ ﰲ ﺟﻨﻮب اﻟﻘﻮﻗﺎز اﻟﺬي ﻳﻌﺪ ﻧﻘﻄﺔ اﺳﱰاﺗﻴﺠﻴﺔ‪ ،‬ﺟﻤﻬﻮرﻳﺔ ﺟﻮرﺟﻴﺎ‪ ،‬اﻟﺘﻲ ﺗﻘﻊ ﻋﲆ ﻃﺮﻳﻖ ﺳﻴﻠﻚ‬ ‫اﻟﺘﺎرﻳﺨﻲ‪ ،‬ﻫﻲ اﻟﺒﻮاﺑﺔ ﺑني وﺳﻂ وﻏﺮب آﺳﻴﺎ‪ .‬ﻣﺜﻞ ﻣﻌﻈﻢ اﻟﺠﻤﻬﻮرﻳﺎت اﻟﺴﻮﻓﻴﺎﺗﻴﺔ اﻟﺴﺎﺑﻘﺔ‪ ،‬ﻛﺎﻧﺖ اﻟﺒﻼد‬ ‫ﺗﻌﺎين ﻣﻦ اﻟﺘﺪﻫﻮر اﻻﻗﺘﺼﺎدي ﰲ ‪ 1990‬ﺑﻌﺪ اﻻﻧﻔﺼﺎل ﻋﻦ روﺳﻴﺎ‪ .‬ﻣﻨﺬ ذﻟﻚ اﻟﺤني‪ ،‬ﺗﺤﻮﻟﺖ ﻣﻦ ﻛﻮﻧﻬﺎ اﻗﺘﺼﺎد‬ ‫زراﻋﻲ ﺑﺤﺖ إﱃ واﺣﺪة ﻣﻦ أﴎع اﻻﻗﺘﺼﺎدات منﻮا ﺑني اﻟﺠﻤﻬﻮرﻳﺎت اﻟﺴﻮﻓﻴﺎﺗﻴﺔ اﻟﺴﺎﺑﻘﺔ‪ .‬ﰲ ﻋﺎم ‪،2013‬‬ ‫ﻇﻬﺮت اﻟﺒﻼد ﻣﻦ ﺑني أﻋﲆ ‪ 10‬دول ﰲ ﻣﺆﴍ رﻓﺎﻫﻴﺔ اﻟﻨﻤﻮ وﺗﺄﻣني اﻟﻄﺎﻗﺔ ﰲ اﻷﺳﻮاق اﻟﻨﺎﺷﺌﺔ )اﻟﺬي أﻋﺪ ﻣﻦ‬ ‫ﻗﺒﻞ ‪ CISTRAN‬ﻟﻸﺧﺒﺎر اﳌﺎﻟﻴﺔ(‪ ،‬اﻟﺬي ﻳﺤﻠﻞ إﻣﻜﺎﻧﺎت اﻟﻨﻤﻮ ﰲ اﻟﺒﻠﺪان ﻋﲆ أﺳﺎس اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ‬ ‫واﺣﺘﻴﺎﻃﻴﺎت اﻟﻄﺎﻗﺔ‪.‬‬ ‫ﻣﻦ اﻟﻨﺎﺣﻴﺔ اﻟﺴﻴﺎﺳﻴﺔ‪ ،‬ﰲ أﻋﻘﺎب اﻟﺜﻮرة اﻟﻮردﻳﺔ ﰲ ﻋﺎم ‪ ،2003‬اﻟﺘﻲ اﺛﺎرﻫﺎ اﻟﻔﺴﺎد ﻋﲆ ﻧﻄﺎق واﺳﻊ ﺗﺤﺖ‬ ‫ﺣﻜﻢ إدوارد ﺷﻴﻔﺮﻧﺎدزة‪ ،‬ﺗﻢ اﻧﺘﺨﺎب ﻣﻴﺨﺎﺋﻴﻞ ﺳﺎﻛﺎﺷﻔﻴﲇ رﺋﻴﺴﺎ ﰲ أواﺋﻞ ﻋﺎم ‪ .2004‬ﺗﺤﺖ ﻧﻈﺎﻣﻪ‪ ،‬منﺎ‬ ‫اﻗﺘﺼﺎد اﻟﺒﻼد ﺑﻨﺤﻮ ‪ 35‬ﰲ اﳌﺎﺋﺔ ﺑني ﻋﺎﻣﻲ ‪ 2004‬و ‪ .2007‬وأﺑﺪى اﻗﺘﺼﺎد اﻟﺒﻼد أﻳﻀﺎ ﻣﺮوﻧﺔ ﻣﺜرية ﻟﻠﺪﻫﺸﺔ‬

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‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫‪– C 01‬‬ ‫ﴍﻛﺔ اﻟﺤﻨﻔﻴﺎت واﻟﱰﻛﻴﺒﺎت اﳌﺼﻨﻌﺔ وﻣﻘﺮﻫﺎ ﺑﺮوﻛﻠني‪ ،‬ووﺗﺮﻣﺎرك‬ ‫دﻳﺰاﻳﻦ‪ ،‬أﻃﻠﻘﺖ ﻣﺆﺧﺮا ً ﻣﺠﻤﻮﻋﺔ ﺟﺪﻳﺪة ﻣﻦ اﻟﺤﻨﻔﻴﺎت ﺗﺬﻛﺮﻧﺎ‬ ‫مبﺠﻤﻮﻋﺔ أﻟﻌﺎب اﻟﺒﻨﺎء )ﺗﻴﻨﻜﺮ ﺗﻮي( ﻟﻸﻃﻔﺎل‪ .‬اﻟﺤﻨﻔﻴﺔ اﻟﺠﺪﻳﺪة ﺗﺄيت‬ ‫ﰲ ﻣﺠﻤﻮﻋﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻦ اﻟﺘﺼﺎﻣﻴﻢ‪ ،‬اﳌﻘﺎﺑﺾ واﻷﺑﻌﺎد‪ ،‬ﻣام ﻳﺠﻌﻠﻬﺎ‬ ‫ﻗﺎﺑﻠﺔ ﻟﻠﺘﺨﺼﻴﺺ متﺎﻣﺎً‪ .‬ﺣﻨﻔﻴﺎت إﻻن ﻓﻴﺘﺎل اﳌﺼﻤﻤﺔ ﺑﺸﻜﻞ ﻓﺮﻳﺪ ﻣﻦ‬ ‫ﻗﺒﻞ ووﺗﺮﻣﺎرك ﺗﺘﺨﻄﻰ ﺣﺪود اﻟﺘﺼﻤﻴﻢ ﻋﻨﺪ وﺿﻌﻬﺎ ﰲ ﻣﻄﺎﺑﺦ‬ ‫وﺣامﻣﺎت اﻟﺸﻘﻖ اﻟﺴﻜﻨﻴﺔ‪.‬‬ ‫ﺻﻤﻤﺖ ﰲ اﻟﺒﺪاﻳﺔ ﺑﺎﻟﺘﻌﺎون ﺑني ووﺗﺮﻣﺎرك‪ ،‬واﳌﺼﻤﻤﺔ ﺳﻮزان‬ ‫ﻓﺮﻳﺪﻣﺎن ﻫﻴﺪروﻟﻮﻏﻴﺰ دﻳﻔﻴﺪ ﻛﻮﺗﻮﻓﺴيك وﻣﻘﺮﻫﺎ ﺷﻴﻜﺎﻏﻮ‪ ،‬ومبﺠﺮد‬ ‫اﻻﻧﺘﻬﺎء ﻣﻦ اﳌﴩوع ﻗﺎﻣﺖ ووﺗﺮﻣﺎرك دﻳﺰاﻳﻨﺰ ﺑﺨﻄﻮة أﺧﺮى ﻣﻦ ﺧﻼل‬ ‫ﺗﻘﺪﻳﻢ اﻟﺘﺼﺎﻣﻴﻢ ﺣﺴﺐ اﻟﻄﻠﺐ‪ .‬ﻣﻦ ﺑني اﳌﻴﺰات اﻟﺼﻨﺎﻋﻴﺔ وﺟﻮد‬ ‫ﻣﻘﺒﺾ ذراﻋﻲ‪ ،‬وﻫﻮ ﻳﺬﻛﺮﻧﺎ ﺑﺎﻟﺼامﻣﺎت اﻟﻜﺮوﻳﺔ اﻟﺘﻘﻠﻴﺪﻳﺔ ﻣﻦ اﻟﻘﺮن‬ ‫‪ .18‬وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈﻧﻬﺎ ﺗﺘﻀﻤﻦ ﻋﻨﺎﴏ ﺣﺪﻳﺜﺔ ﻣﺜﻞ ﻣﻨﻈﻢ اﻟﺘﺪﻓﻖ‬ ‫اﻟﺒﺴﻴﻂ واﻟﺼامﻣﺎت اﻟﺤﺮارﻳﺔ اﻟﺼﻐرية‪.‬‬ ‫وﺗﺸﻤﻞ اﳌﺠﻤﻮﻋﺔ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺨﻴﺎرات ﻣﺜﻞ اﻟﺤﻨﻔﻴﺎت اﻟﺠﴪﻳﺔ‪،‬‬ ‫ﺣﻨﻔﻴﺎت اﻷﺣﻮاض‪ ،‬ﺣﻨﻔﻴﺎت اﻷرﺿﻴﺎت‪ ،‬ﺣﻨﻔﻴﺎت اﻟﺤﻮاﺋﻂ وﺣﻨﻔﻴﺎت‬ ‫أﺣﻮاض اﻻﺳﺘﺤامم اﻟﺤﺮارﻳﺔ‪.‬‬

‫ﻣﺼﻨﻊ اﻟﺴﻴﺎرات اﻟﻔﺎرﻫﺔ ﻟﻮﺗﺲ ميﻨﺢ ﺗﺮﺧﻴﺼﻪ ﻟﴩﻛﺔ ﻛﻮدﻓﺎ‬ ‫ﺑريﻓﻮرﻣﺎﻧﺲ ﻣﻮﺗﻮرﺳﺎﻳﻜﻠﺰ ﻹﺻﺪار أول دراﺟﺔ ﻧﺎرﻳﺔ ﰲ ﺧﻂ اﻟﻌﻼﻣﺔ‬ ‫اﻟﺘﺠﺎرﻳﺔ‪ ،C-01 .‬واﻟﺘﻲ ﺳﻮف ﺗﺘﻀﻤﻦ ﻣﺰﻳﺠﺎً ﻣﻦ اﻟﺘﺼﻤﻴﻢ اﳌﺴﺘﻘﺒﲇ‬ ‫ﻣﻊ اﻷداء اﳌﻌﺮوف ﻋﻦ ﺳﻴﺎرات ﻟﻮﺗﺲ‪ ،‬ﺳﻮف ﻳﺘﻢ ﺗﺼﻤﻴﻤﻬﺎ ﻣﻦ ﻗﺒﻞ‬ ‫داﻧﻴﺎل ﺳﻴﻤﻮن‪ ،‬اﻟﺬي ﺗﺘﻀﻤﻦ ﺧﱪﺗﻪ اﻟﻌﻤﻞ ﻣﻊ ﴍﻛﺎت ﻣﺜﻞ ﺑﻮﺟﺎيت‬ ‫وﻓﻮﻟﻜﺲ ﻓﺎﺟﻦ‪ ،‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ﺗﺼﻤﻴﻢ اﻟﺴﻴﺎرات اﻟﺘﻲ ﻇﻬﺮت ﰲ اﻷﻓﻼم‪،‬‬ ‫مبﺎ ﰲ ذﻟﻚ ﻛﺎﺑﺘني أﻣريﻛﺎ‪ ،‬أوﺑﻠﻴﻔﻴﻮن وﺗﺮون‪.‬‬ ‫دراﺟﺔ ﻟﻮﺗﺲ ‪ C -01‬اﻟﺴﺎﺣﺮة ﻫﻲ ﻋﺒﺎرة ﻋﻦ اﻧﺪﻣﺎج ﻣﺜﺎﱄ ﻣﻦ‬ ‫اﻟﺘﺼﻤﻴﻢ اﻟﻜﻼﺳﻴيك ﻣﻊ اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ اﻟﺤﺪﻳﺜﺔ اﻟﺘﻲ ﺗﺠﻌﻠﻬﺎ آﻣﻨﺔ‬ ‫وﺳﻠﻴﻤﺔ ﻫﻨﺪﺳﻴﺎً‪ .‬اﻟﺠﺴﻢ ﻣﺼﻨﻮع ﻣﻦ أﻟﻴﺎف اﻟﻜﺮﺑﻮن واﻟﺘﻴﺘﺎﻧﻴﻮم‬ ‫واﻟﺤﺪﻳﺪ اﻟﺼﻠﺐ ﻹﻧﺘﺎج دراﺟﺔ ﻧﺎرﻳﺔ ﴎﻳﻌﺔ اﻹﺳﺘﺠﺎﺑﺔ ﻋﻨﺪ ﻗﻴﺎدﺗﻬﺎ‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻣﺤﺮك ﻛﻮدﻓﺎ ﰲ‪-‬ﺗﻮﻳﻦ‪ ،‬وﻫﻮ ﻣﺤﺮك رﺑﺎﻋﻲ اﻷﺷﻮاط‬ ‫ذو إﺳﻄﻮاﻧﺘني‪ ،‬اﻟﺬي ﻳﻀﻌﻬﺎ ﰲ ﻓﺌﺔ اﻟﺪراﺟﺎت اﻟﻨﺎرﻳﺔ اﻟﺮﻳﺎﺿﻴﺔ ﺑﻘﻮة‬ ‫‪ 200‬ﺣﺼﺎن‪.‬‬ ‫ﺳﻮف ﺗﻜﻮن دراﺟﺔ ‪ C-01‬ﺷﻴﺌﺎً ﻓﺮﻳﺪا ً ﻟﻌﺸﺎق اﻟﺘﻤﻴﺰ ﺣﻴﺚ ﺳﻮف ﻳﺘﻢ‬ ‫إﻧﺘﺎج ‪ 100‬دراﺟﺔ ﻓﻘﻂ‪.‬‬

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‫‪360‬‬ ‫ﻣﻮﺗﻮ ‪ ،360‬ﺟﻬﺎز اﻷﻧﺪروﻳﺪ اﻟﺠﺪﻳﺪ اﻟﺬي ميﻜﻦ إرﺗﺪاؤه ﻣﻦ ﻣﻮﺗﻮروﻻ‬ ‫وﻳﺸﺒﻪ ﺳﺎﻋﺔ اﻟﻴﺪ اﻟﺘﻘﻠﻴﺪﻳﺔ‪ .‬وﻟﻜﻦ‪ ،‬ﻋﲆ ﺧﻼف اﻷﺟﻬﺰة اﳌامﺛﻠﺔ اﻟﺘﻲ‬ ‫ﺗﻘﺪﻣﻬﺎ ﺳﺎﻣﺴﻮﻧﺞ وإل ﺟﻲ‪ ،‬ﻳﻌﺪ ﻣﻮﺗﻮ ‪ 360‬أﻛرث ﻋﴫﻳﺔ ﻣﻦ ذﻟﻚ‬ ‫ﺑﻜﺜري‪ .‬وﺿﻊ اﻟﻠﻤﺴﺎت اﻷﺧرية ﺑﺎﻟﺠﻠﻮد واﳌﻌﺎدن ﺗﻌﻄﻴﻪ ﻣﻴﺰة ﻋﲆ‬ ‫أﺟﻬﺰة اﳌﻨﺎﻓﺴني‪ ،‬واﻟﺘﻲ ﺗﺸﺒﻪ ﰲ ﻣﻌﻈﻤﻬﺎ اﻟﺴﺎﻋﺎت اﻟﺮﻗﻤﻴﺔ ﻟﻸﻃﻔﺎل‪.‬‬ ‫ﻣﻊ ﺧﻄﻮط واﺿﺤﺔ وﺣﻮاف ﻣﺸﻄﻮﻓﺔ‪ ،‬ﻻ ميﻜﻦ ﻋﺪم اﻟﺘﻔﺮﻳﻖ ﺑﺴﻬﻮﻟﺔ‬ ‫ﺑني ﻣﻮﺗﻮ ‪ 360‬واﻟﺴﺎﻋﺎت اﻟﺘﻘﻠﻴﺪﻳﺔ اﻟﺮاﻗﻴﺔ‪.‬‬

‫إذا ﻛﻨﺖ ﺗﺒﺤﺚ ﻋﻦ ﻣﺠﻤﻮﻋﺔ ﻓﺮﻳﺪة ﻣﻦ ﺳامﻋﺎت اﻷذن ﻹﺿﺎﻓﺔ ﺳﺤﺮ‬ ‫إﱃ ﻫﺎﺗﻔﻚ اﻟﺬيك‪ ،‬ﻗﺪ ﺗﻜﻮن ﺳامﻋﺎت اﻷذن ﻫﺎيب ﺑﻼﻏﺰ اﳌﺼﻨﻮﻋﺔ ﻣﻦ‬ ‫اﻟﺬﻫﺐ ‪ 19‬ﻗرياط ﻫﻲ ﻣﺎ ﺗﺒﺤﺚ ﻋﻨﻪ‪ .‬ﻣﻊ ﺳﺤﺮﻫﺎ اﻟﻜﻼﺳﻴيك‪ ،‬ﺗﻢ‬ ‫ﺗﺼﻨﻴﻊ ﺳامﻋﺎت اﻷذن ﻫﺬه ﻣﻦ اﻟﺬﻫﺐ اﻟﺨﺎﻟﺺ ﻳﺪوﻳﺎً وﺑﺎﻟﻄﻠﺐ ﻣﻦ‬ ‫ﻗﺒﻞ ﺻﺎﺋﻎ ﰲ اﳌﺪﻳﻨﺔ اﻟﻘﺪميﺔ ﰲ ﺳﺘﻮﻛﻬﻮمل‪ ،‬اﻟﺴﻮﻳﺪ‪.‬‬

‫ﻛﻮﻧﻪ ﺟﻬﺎز أﻧﺪروﻳﺪ ميﻜﻦ إرﺗﺪاؤه‪ ،‬ﻓﺈن ﻣﻮﺗﻮ ‪ 360‬ﻟﺪﻳﻪ ﻗﺪرات‬ ‫ﻣﺘﻌﺪدة‪ ،‬واﻟﺘﻲ ﺗﺸﻤﻞ ﻋﺮض ﻣﺸﺎرﻛﺎت وﺳﺎﺋﻞ اﻻﻋﻼم اﻻﺟﺘامﻋﻴﺔ‪،‬‬ ‫ﻋﺮض إدﺧﺎﻻت اﻟﺘﻘﻮﻳﻢ‪ ،‬ﻧﺘﺎﺋﺞ اﳌﺒﺎرﻳﺎت اﻟﺮﻳﺎﺿﻴﺔ و اﺗﺠﺎﻫﺎت ‪،GPS‬‬ ‫ﻣﻦ ﺑني أﻣﻮر أﺧﺮى‪ .‬ﻳﺘﻠﻘﻰ ﻣﺮﺗﺪﻳﻪ ﺗﻨﺒﻴﻬﺎت ﺧﻔﻴﺔ ﻋﻨﺪﻣﺎ ﻳﺘﻢ ﺗﺴﻠﻴﻢ‬ ‫اﻹﺧﻄﺎر إﱃ اﻟﺠﻬﺎز‪ ،‬متﺎﻣﺎً ﻛام ﻳﺤﺪث ﻣﻊ اﻟﻬﺎﺗﻒ اﻟﺬيك‪ .‬ﻣﺜﻞ ﺑﺎﻗﻲ‬ ‫أﺟﻬﺰة اﻷﻧﺪروﻳﺪ اﻟﺤﺪﻳﺜﺔ‪ ،‬ﻣﻮﺗﻮ ‪ 360‬ﻳﺴﺘﺠﻴﺐ إﱃ اﻷواﻣﺮ اﻟﺼﻮﺗﻴﺔ‪.‬‬ ‫وﺳﻮف ﻳﺼﺪر اﻟﺠﻬﺎز أوﻻً ﰲ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة ﺧﻼل ﻓﺼﻞ اﻟﺼﻴﻒ‪،‬‬ ‫ﻗﺒﻞ أن ﻳﻜﻮن ﻣﺘﺎﺣﺎً ﰲ ﺑﻘﻴﺔ دول اﻟﻌﺎمل‪ ،‬وﺳﻮف ﻳﻜﻮن ﻣﺘﺎﺣﺎً ﰲ أﺷﻜﺎل‬ ‫ﻣﺨﺘﻠﻔﺔ‪.‬‬

‫‪www.valoran.ae‬‬

‫ﺳامﻋﺎت اﻷذن‪ ،‬اﳌﺼﺒﻮﺑﺔ ﻣﻦ اﻟﺬﻫﺐ‪ ،‬ﺗﺰن ‪ 25‬ﻏﺮاﻣﺎً‪ ،‬وﻫﻮ ﻣﺎ ﻳﻌﺎدل‬ ‫ﺗﻘﺮﻳﺒﺎ ﻗﻄﻌﺔ ﻣﻦ اﳌﺠﻮﻫﺮات‪ .‬ﺳامﻋﺎت اﻷذن اﻟﺘﻲ ﻳﺒﻠﻎ ﺳﻌﺮﻫﺎ‬ ‫‪ 14,500‬دوﻻر أﻣﺮﻳيك ﺗﺄيت ﻣﻊ اﳌﻴﻜﺮوﻓﻮن اﳌﺪﻣﺞ ورميﻮت ﻛﻮﻧﱰول‬ ‫ﻟﺘﺴﻬﻴﻞ اﻟﺤﺪﻳﺚ وﺗﺤﺴني اﻟﺘﺤﻜﻢ ﰲ اﳌﻮﺳﻴﻘﻰ واﳌﻜﺎﳌﺎت‪ .‬وﻣﻊ ذﻟﻚ‪،‬‬ ‫ﻓﺈﻧﻚ ﻻ ﺗﺮﻏﺐ ﰲ إﺿﺎﻋﺔ ﻫﺬا اﻟﺰوج ﻣﻦ ﺳامﻋﺎت اﻷذن‪ .‬ﻛام ﻳﻮﺟﺪ‬ ‫ﻟﺪى اﻟﴩﻛﺔ أﻳﻀﺎ زوج ﻣﻦ اﻟﺴامﻋﺎت ﺑﻠﻮن اﻟﺬﻫﺐ ﺑﺴﻌﺮ ‪ 25‬دوﻻر‬ ‫أﻣﺮﻳيك‪.‬‬


‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﳌﻜﺎﺗﺐ ﻣﻦ اﻟﻔﺌﺔ ‪ -‬أ زﻳﺎدة ‪ 1.7‬ﺧﻼل اﻟﺮﺑﻊ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻣﻦ اﳌﺮﺟﺢ‬ ‫أن ﻳﻨﺨﻔﺾ اﻟﻄﻠﺐ ﻋﲆ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ ﰲ ﺑﺎﻧﻜﻮك ﰲ اﻷﺷﻬﺮ‬ ‫اﳌﻘﺒﻠﺔ ﺑﺴﺒﺐ ﺣﺎﻟﺔ ﻋﺪم اﻟﻴﻘني اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﻷﺣﺪاث اﻷﺧرية‪.‬‬

‫ﰲ ﻋﺎم ‪ ،2016‬ﺗﺮﺗﻔﻊ آﻣﺎل اﻟﺒﻼد ﰲ ﺟﺬب اﳌﺰﻳﺪ ﻣﻦ اﻟﺰوار‪ .‬وﻫﺬا‬ ‫ﺑﺪوره ﻳﺰﻳﺪ ﻣﻦ اﻻﻳﺠﺎرات‪ ،‬ﺧﺎﺻﺔ ﰲ اﳌﺪن اﻟﺮﺋﻴﺴﻴﺔ اﻟﺘﻲ ﺳﻮف‬ ‫ﺗﺴﺘﻀﻴﻒ ﻫﺬه اﻟﻔﻌﺎﻟﻴﺎت اﻟﺮﻳﺎﺿﻴﺔ‪.‬‬

‫ﺗﻈﻬﺮ ﻛﻼً ﻣﻦ ﻣﺎﻟﻴﺰﻳﺎ وﻓﻴﺘﻨﺎم ﻟﺘﻜﻮن ﰲ ذﻳﻞ اﻟﻘﺎمئﺔ‪ .‬ﰲ ﻛﻮاﻻ ﳌﺒﻮر‪،‬‬ ‫ﺳﺠﻠﺖ ﺳﻮق اﳌﻜﺎﺗﺐ ﻣﻌﺪل ﺷﻐﻮر ﻋﺎﱄ‪ ،‬وﻳﺤﺘﻤﻞ أن ﻳﻜﻮن اﻟﻄﻠﺐ‬ ‫ﺑﻄﻴﺌﺎً ﰲ اﻷﺷﻬﺮ اﳌﻘﺒﻠﺔ‪.‬‬

‫وﻓﻘﺎً ﻟﺰاب إميﻮﻓﻴﺲ )ﺑﻮاﺑﺔ اﻟﻌﻘﺎرات(‪ ،‬ﺣﺠﻢ ﺗﺄﺟري اﻟﻌﻘﺎرات ﰲ اﳌﺪن‬ ‫اﻟﻜﱪى ﰲ اﻟﱪازﻳﻞ ﻣﻨﺨﻔﺾ ﺟﺪا ً‪ .‬ﻣﻌﺪﻻت اﻟﺸﻐﻮر ﻟﻴﺴﺖ ﺳﻮى ﺣﻮاﱄ‬ ‫‪ 10‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪ ،‬ﻓﺈن اﻟﺘﻮﻗﻌﺎت ﺑﺎﻟﻨﺴﺒﺔ ﻷﺳﻌﺎر اﻟﻌﻘﺎرات‬ ‫ﺗﻌﺘﻤﺪ ﻋﲆ ﻋﺪد اﻷﺷﺨﺎص اﻟﺒﺎﺣﺜني ﻋﻦ ﻋﻘﺎر‪ ،‬واﳌﺒﻠﻎ اﻟﺬي ﻫﻢ ﻋﲆ‬ ‫اﺳﺘﻌﺪاد ﻟﺪﻓﻌﻪ مثﻨﺎً ﻟﻪ‪ .‬وﺗﱰاوح اﻟﻌﺎﺋﺪات اﻹﻳﺠﺎرﻳﺔ ﻣﺎ ﺑني ‪ 8‬إﱃ ‪10‬‬ ‫ﰲ اﳌﺎﺋﺔ ﺳﻨﻮﻳﺎً‪ ،‬ﰲ ﺣني ﺗﱰاوح اﻟﺰﻳﺎدات ﰲ أﺳﻌﺎر اﻟﻌﻘﺎرات ﻣﺎ ﺑني‬ ‫‪ 10-15‬ﰲ اﳌﺎﺋﺔ ﺳﻨﻮﻳﺎً‪.‬‬

‫وﻗﺪ متﻴﺰ اﻟﺘﺒﺎﻃﺆ ﰲ اﻟﺼني ﺑﻨﺴﺒﺔ أداء ﻣﺨﺘﻠﻂ ﰲ ﻣﺪن اﻟﻔﺌﺔ ‪ .1 -‬ﰲ‬ ‫ﺣني ارﺗﻔﻌﺖ اﻹﻳﺠﺎرات ﺑﻨﺴﺒﺔ ‪ 0.7‬ﰲ اﳌﺎﺋﺔ ﰲ ﺷﻨﻐﻬﺎي‪ ،‬وﻫﻨﺎك ﻗﻠﻖ‬ ‫ﻣﻦ زﻳﺎدة اﻟﻌﺮض ﰲ اﳌﺴﺘﻘﺒﻞ ﰲ ﻣﺠﺎﻻت ﻣﻌﻴﻨﺔ ﻣﻊ إﻣﺪادات ﺟﺪﻳﺪة‬ ‫ﻛﺒرية ﻣﻦ اﳌﻘﺮر أن ﺗﺪﺧﻞ اﻟﺴﻮق ﰲ ﻋﺎم ‪ 2014‬وﻋﺎم ‪ .2020‬ﰲ ﺑﻜني‬ ‫وﻗﻮاﻧﻐﺘﺸﻮ‪ ،‬إﻧﺨﻔﻀﺖ إﻳﺠﺎرات اﳌﻜﺎﺗﺐ اﳌﻤﻴﺰة ﻗﻠﻴﻼً‪ .‬وواﺻﻠﺖ‬ ‫إﻳﺠﺎرات اﳌﻜﺎﺗﺐ اﳌﻤﻴﺰة ﰲ ﻫﻮﻧﻎ ﻛﻮﻧﻎ اﻹﻧﺨﻔﺎض أﻳﻀﺎً ﺣﻴﺚ اﺳﺘﻤﺮ‬ ‫إﻧﺨﻔﺎض ﺻﺎﰲ اﻹﺳﺘﻴﻌﺎب ﺑﺴﺒﺐ ﺑﻘﺎء اﳌﺴﺘﺄﺟﺮﻳﻦ ﻋﲆ وﻋﻲ أﻛﱪ‬ ‫ﺑﺎﻷﺳﻌﺎر‪.‬‬ ‫ﰲ اﻟﻬﻨﺪ‪ ،‬ﺳﺎدت ﺣﺎﻟﺔ ﻣﻦ اﻟﺮﻛﻮد ﰲ إﻳﺠﺎرات اﳌﻜﺎﺗﺐ ﰲ اﳌﺪن‬ ‫اﻟﺮﺋﻴﺴﻴﺔ اﻟﺜﻼث اﻟﺘﻲ ﻳﻐﻄﻴﻬﺎ اﻟﺘﻘﺮﻳﺮ‪ ،‬وذﻟﻚ ﺑﺴﺒﺐ اﻟﻘﻴﻮد اﻻﻗﺘﺼﺎدﻳﺔ‬ ‫وﺣﺎﻟﺔ ﻋﺪم اﻟﻴﻘني اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﻻﻧﺘﺨﺎﺑﺎت اﳌﻘﺒﻠﺔ‪ .‬ﺗﻮاﺻﻞ أﻳﻀﺎً‬ ‫إﻧﺨﻔﺎض اﻻﻳﺠﺎرات ﰲ ﺟﻤﻴﻊ اﳌﻨﺎﻃﻖ اﻟﺘﺠﺎرﻳﺔ اﳌﺮﻛﺰﻳﺔ اﻟﺮﺋﻴﺴﻴﺔ ﰲ‬ ‫أﺳﱰاﻟﻴﺎ‪ ،‬ﺑﺴﺒﺐ ارﺗﻔﺎع اﻟﺤﻮاﻓﺰ‪.‬‬ ‫وﻗﺎل ﻧﻴﻜﻮﻻس ﻫﻮﻟﺖ‪ ،‬رﺋﻴﺲ ﻧﺎﻳﺖ ﻓﺮاﻧﻚ ﻟﻠﺒﺤﻮث ﰲ ‪ APAC‬أﻧﻪ ﻣﻊ‬ ‫ﻇﻬﻮر ﻋﻼﻣﺎت اﻹﻧﺘﻌﺎش ﻋﲆ اﻻﻗﺘﺼﺎد اﻟﻌﺎﳌﻲ واﻻﻗﺘﺼﺎدات اﻟﻐﺮﺑﻴﺔ‬ ‫ﺗﺸﻬﺪ اﺳﺘﻌﺎدة اﻟﻘﻮة‪ ،‬ﻛﺎن ﻣﻦ اﳌﺮﺟﺢ أن ﺗﺮﺗﻔﻊ اﻹﻳﺠﺎرات ﰲ اﳌﻨﻄﻘﺔ‬ ‫ﺑﺴﺒﺐ اﻟﻄﻠﺐ ﻣﻦ اﳌﺴﺘﺄﺟﺮﻳﻦ ﻣﺘﻌﺪدي اﻟﺠﻨﺴﻴﺎت‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﺣﺬر‬ ‫ﻣﻦ أﻧﻪ ﰲ ﺑﻌﺾ اﻷﺳﻮاق‪ ،‬ﻳﺆدي ﺗﺸﺪﻳﺪ اﻟﴩوط اﻟﻨﻘﺪﻳﺔ إﱃ ﻣﻮاﺻﻠﺔ‬ ‫إرﺑﺎك اﻹﻧﺘﻌﺎش‪.‬‬

‫اﳌﺤﱰﻓﻮن ﻣﻦ اﻟﺸﺒﺎب ﻳﺠﺪون اﻷﺳﻌﺎر اﻟﺤﺎﻟﻴﺔ ﰲ اﳌﻨﺎﻃﻖ اﻟﺠﻴﺪة ﻻ‬ ‫ميﻜﻦ ﺗﺤﻤﻠﻬﺎ ﺗﻘﺮﻳﺒﺎً‪ ،‬ﺣﺘﻰ ﻣﻊ ﻣﻌﺪﻻت اﻟﺮﻫﻦ اﻟﻌﻘﺎري اﻟﺘﻲ إﻧﺨﻔﻀﺖ‬ ‫إﱃ أرﻗﺎم أﺣﺎدﻳﺔ‪ .‬وﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪ ،‬ﻓﺈن اﳌﺴﺘﺜﻤﺮﻳﻦ اﻟﺬﻳﻦ ﻳﺸﱰون‬ ‫اﻟﻌﻘﺎرات ﺑﻐﺮض ﺗﺄﺟريﻫﺎ ﰲ ﺑﺮازﻳﻠﻴﺎ وﺳﺎو ﺑﺎوﻟﻮ و رﻳﻮ دي ﺟﺎﻧريو‬ ‫ﻳﺤﻘﻘﻮن اﻻﺳﺘﻔﺎدة اﻟﻘﺼﻮى ﻣﻦ اﻟﻮﺿﻊ ﻣﻦ ﺧﻼل ﻣﻀﺎﻋﻔﺔ ﻗﻴﻤﺔ‬ ‫اﻹﻳﺠﺎر ﻋﻨﺪ ﺗﺠﺪﻳﺪ ﻋﻘﻮد اﳌﺴﺘﺄﺟﺮﻳﻦ‪.‬‬ ‫ﻳﺸري اﻟﺘﻘﺮﻳﺮ إﱃ أن اﻟﺸﻘﻖ اﻟﺼﻐرية )اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة أو‬ ‫ﻏﺮﻓﺘﻲ ﻧﻮم( ﰲ اﻟﺘﻄﻮرات ﺟﺪﻳﺪة ﻣﻦ اﳌﺮﺟﺢ أن ﺗﺠﻠﺐ ﻋﻮاﺋﺪ أﻋﲆ‬ ‫ﺣﻴﺚ ﺗﻔﺘﻘﺮ اﻟﺘﻄﻮرات اﻟﻘﺪميﺔ إﱃ وﺳﺎﺋﻞ اﻟﺮاﺣﺔ اﻟﺤﺪﻳﺜﺔ و ﻧﺘﻴﺠﺔ‬ ‫ﻟﺬﻟﻚ ﻣﻦ ﻏري اﳌﺮﺟﺢ أن ﺗﺮﺗﻔﻊ اﻻﻳﺠﺎرات ﻓﻴﻬﺎ ﺑﺸﻜﻞ ﻛﺒري ﻋﲆ اﻟﺮﻏﻢ‬ ‫ﻣﻦ اﻟﻨﻘﺺ ﰲ اﺳﺘﺌﺠﺎر اﻟﻌﻘﺎرات‪.‬‬ ‫وﻳﺴﻠﻂ اﻟﺘﻘﺮﻳﺮ اﻟﻀﻮء أﻳﻀﺎً ﻋﲆ إﻣﻜﺎﻧﻴﺔ اﳌﻨﺎﻃﻖ اﻟﺴﺎﺣﻠﻴﺔ اﳌﻌﺮوﻓﺔ‬ ‫ﻟﻠﺘﺄﺟري ﻋﲆ اﳌﺪى اﻟﻘﺼري ﰲ اﻟﻌﻄﻼت‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻷن اﻟﺒﻼد ﺑﻬﺎ أﻣﻴﺎل‬ ‫ﻣﻦ اﻟﺴﺎﺣﻞ‪ ،‬ﻓﺈن اﳌﻨﺎﻃﻖ اﻟﻘﺮﻳﺒﺔ ﻣﻦ اﳌﻨﺎﻃﻖ اﻟﺘﺠﺎرﻳﺔ وﺑﻬﺎ وﺳﺎﺋﻞ‬ ‫ﻣﻮاﺻﻼت ﺟﻴﺪة ﻫﻲ اﳌﺮﺟﺤﺔ ﻟﺘﺤﻘﻴﻖ أداء أﻓﻀﻞ‪ .‬ﻧﺎﺗﺎل وﻓﻮرﺗﺎﻟﻴﺰا‬ ‫ﻫﻲ أﻓﻀﻞ اﳌﻨﺎﻃﻖ اﻟﺴﺎﺣﻠﻴﺔ ﻟﻠﻤﺸﱰﻳﻦ اﻻﺟﺎﻧﺐ‪ .‬ﺣﺎﻟﻴﺎً‪ ،‬ﰲ ﻧﺎﺗﺎل‪،‬‬ ‫ﺗﺤﻘﻖ اﻟﻌﻘﺎرات اﻟﺴﺎﺣﻠﻴﺔ ﻋﺎﺋﺪا ً ﻣﺘﻮﺳﻄﺎً ﻳﺼﻞ إﱃ ﺣﻮاﱄ ‪ 10‬ﰲ اﳌﺎﺋﺔ‬ ‫ﺳﻨﻮﻳﺎً‪.‬‬

‫ﺗﻘﺮﻳﺮ ﺟﺪﻳﺪ ﻣﻦ ﻛﻮﻟﻮدارﳼ‪ ،‬اﻟﺘﻲ ﺗﻌﺘﻤﺪ ﻋﲆ اﳌﻌﻠﻮﻣﺎت ﻣﻦ ﻋﺪة‬ ‫ﻣﺼﺎدر ﻣﺴﺘﻘﻠﺔ‪ ،‬ﺻﻨﻔﺖ اﻟﱪازﻳﻞ واﺣﺪة ﻣﻦ أﺳﻮاق اﻟﻌﻘﺎرات اﻟﻨﺎﺷﺌﺔ‬ ‫اﻷﻛرث إﺛﺎرة ﰲ اﻟﻌﺎمل ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ اﻟﺬﻳﻦ ﻳﺒﺤﺜﻮن ﻋﻦ ﴍاء‬ ‫اﻟﻌﻘﺎرات ﺑﻐﺮض ﺗﺄﺟريﻫﺎ وﺗﺤﻘﻴﻖ دﺧﻞ ﻣﻨﺘﻈﻢ‪.‬‬ ‫ﻣﻊ ﺗﻨﻈﻴﻢ ﻛﺄس اﻟﻌﺎمل ﻟﻜﺮة اﻟﻘﺪم ﻫﺬا اﻟﻌﺎم ودورة اﻻﻟﻌﺎب اﻻوﳌﺒﻴﺔ‬ ‫‪13‬‬


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‫‪2014‬‬

‫وﻓﻘﺎ ﻷﺣﺪث اﻟﺒﻴﺎﻧﺎت ﻣﻦ ﻛﻮرﻟﻮﺟﻴﻚ‪ ،‬ﺳﺠﻠﺖ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل ﰲ‬ ‫اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة زﻳﺎدة ﻋﲆ اﺳﺎس ﺳﻨﻮى ﺑﻨﺴﺒﺔ ‪ 8‬ﰲ اﳌﺎﺋﺔ ﰲ ﻓﱪاﻳﺮ‬ ‫و زﻳﺎدة اﻟﺸﻬﺮ ﻋﲆ اﺳﺎس اﻟﺸﻬﺮ ﺑﻨﺴﺒﺔ ‪ 3.8‬ﰲ اﳌﺎﺋﺔ‪ .‬ﺳﺠﻠﺖ اﳌﻨﺎزل‬ ‫اﻟﺘﻲ ﺷﻴﺪت ﺣﺪﻳﺜﺎً أﻋﲆ ﻧﺴﺒﺔ منﻮ‪ ،‬وﻫﻮ ﻣﺎ ميﺜﻞ زﻳﺎدة ﻗﺪرﻫﺎ ‪ 23‬ﰲ‬ ‫اﳌﺎﺋﺔ ﰲ ﻓﱪاﻳﺮ اﳌﺎﴈ‪ ،‬ﰲ ﺣني ارﺗﻔﻌﺖ إﻋﺎدة اﻟﺒﻴﻊ ﺑﻨﺴﺒﺔ ‪ 18‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬اﳌﺒﻴﻌﺎت اﳌﺘﻌرثة ﰲ ﻓﱪاﻳﺮ اﳌﺎﴈ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻟﻌﻘﺎرات اﳌﻤﻠﻮﻛﺔ‬ ‫)‪ (REO‬واﻟﺒﻴﻊ اﻟﻘﺼري‪ ،‬ﻛﺎﻧﺖ متﺜﻞ ‪ 15.6‬ﰲ اﳌﺎﺋﺔ ﻣﻦ إﺟامﱄ اﳌﺒﻴﻌﺎت‪،‬‬ ‫ﻣﺤﻘﻘﺔ اﻧﺨﻔﺎﺿﺎً ﻣﻘﺎرﻧﺔ ﻣﻊ اﻟﻌﺎم اﳌﺎﴈ‪ ،‬ﻋﻨﺪﻣﺎ ﻛﺎﻧﺖ ﻋﻨﺪ ﻧﺴﺒﺔ‬ ‫‪ 22.8‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﻣام ﻳﺸري إﱃ وﺟﻮد اﺗﺠﺎه ﻧﺤﻮ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل اﻟﺼﺤﻴﺔ‪.‬‬ ‫وﻛﺎﻧﺖ اﳌﺒﻴﻌﺎت اﳌﺘﻌرثة ﰲ أﻋﲆ ﻣﺴﺘﻮﻳﺎﺗﻬﺎ ﰲ ﻳﻨﺎﻳﺮ ﻣﻦ ﻋﺎم ‪،2009‬‬ ‫ﻋﻨﺪﻣﺎ ﻗﺎرﺑﺖ ﻣﻦ ﻧﺴﺒﺔ ‪ 32.7‬ﰲ اﳌﺎﺋﺔ‪ ،‬اﻷﻣﺮ اﻟﺬي ﺟﻌﻞ ﻣﻦ ﻣﺒﻴﻌﺎت‬ ‫)‪ (REO‬ﺗﺮﺗﻔﻊ ﺑﻨﺴﺒﺔ ‪ 28.3‬ﰲ اﳌﺎﺋﺔ‪ .‬اﻻﻧﺨﻔﺎض اﻷﺧري ﰲ ﻣﺒﻴﻌﺎت‬ ‫‪ REO‬ﻳﻈﻬﺮ اﺗﺠﺎﻫﺎ ﻧﺤﻮ اﻟﺘﺤﺴﻦ ﰲ أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﺣﻴﺚ أن ‪REO‬‬ ‫ﻋﺎدة ﻣﺎ ﺗﺒﺎع ﺑﺨﺼﻮﻣﺎت أﻛﱪ ﻣﻦ اﳌﺒﻴﻌﺎت اﻟﻘﺼرية‪.‬‬ ‫وﻣﻦ ﺑني اﻟﻮﻻﻳﺎت‪ ،‬ﺳﺠﻠﺖ ﻣﻴﺸﻴﻐﺎن اﻟﻨﺼﻴﺐ اﻷﻛﱪ ﻣﻦ اﳌﺒﻴﻌﺎت‬ ‫اﳌﺘﻌرثة ﺑﻨﺴﺒﺔ ‪ 30‬ﰲ اﳌﺎﺋﺔ‪ .‬وﺷﻤﻠﺖ وﻻﻳﺎت أﺧﺮى ذات اﻟﻨﺴﺐ‬ ‫اﻟﻌﺎﻟﻴﺔ ﻣﻦ اﳌﺒﻴﻌﺎت اﳌﺘﻌرثة إﻟﻴﻨﻮي )‪ 26.6‬ﰲ اﳌﺎﺋﺔ(‪ ،‬ﻧﻴﻔﺎدا )‪ 26‬ﰲ‬ ‫اﳌﺎﺋﺔ(‪ ،‬ﻓﻠﻮرﻳﺪا )‪ 24.8‬ﰲ اﳌﺎﺋﺔ( وﺟﻮرﺟﻴﺎ )‪ 23.5‬ﰲ اﳌﺎﺋﺔ(‪ .‬ﰲ وﻻﻳﺔ‬ ‫ﻛﺎﻟﻴﻔﻮرﻧﻴﺎ‪ ،‬إﻧﺨﻔﻀﺖ ﺣﺼﺘﻬﺎ ﻣﻦ اﳌﺒﻴﻌﺎت اﳌﺘﻌرثة ﺑﻨﺴﺒﺔ ‪ 17.8‬ﰲ‬ ‫اﳌﺎﺋﺔ‪.‬‬

‫‪www.valoran.ae‬‬

‫وﻓﻘﺎً ﻷﺣﺪث ﻣﺆﴍ ﻣﻦ ﻧﺎﻳﺖ ﻓﺮاﻧﻚ‪ ،‬ﰲ اﻟﺮﺑﻊ اﻟﺮاﺑﻊ ﻣﻦ ﻋﺎم ‪،2013‬‬ ‫ﻗﺎدت ﻣﺪن ﺟﻨﻮب ﴍق آﺳﻴﺎ منﻮا ً ﰲ إﻳﺠﺎرات اﳌﻜﺎﺗﺐ اﳌﻤﻴﺰة وﻣﻨﻬﺎ‪،‬‬ ‫ﺳﻨﻐﺎﻓﻮرة اﻟﺘﻲ متﻴﺰت ﺑﺄﻛﱪ إﻧﺘﻌﺎش ﻣﻠﺤﻮظ‪ .‬منﺖ إﻳﺠﺎرات اﳌﻜﺎﺗﺐ‬ ‫أﻳﻀﺎ ﰲ ﺟﺎﻛﺮﺗﺎ واﻷﻛرث إﺛﺎرة ﻟﻠﺪﻫﺸﺔ ﰲ ﺑﺎﻧﻜﻮك‪ ،‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﻋﺪم‬ ‫اﻟﻴﻘني اﻟﻨﺎﺟﻢ ﻋﻦ اﻻﺿﻄﺮاﺑﺎت ﰲ اﻟﻌﺎﺻﻤﺔ اﻟﺘﺎﻳﻼﻧﺪﻳﺔ‪.‬‬ ‫إرﺗﻔﻊ ﻣﺆﴍ ﺗﺄﺟري اﳌﻜﺎﺗﺐ اﳌﻤﻴﺰة ﰲ آﺳﻴﺎ واﳌﺤﻴﻂ اﻟﻬﺎدئ ﺑﻨﺴﺒﺔ‬ ‫‪ 0.8‬ﰲ اﳌﺎﺋﺔ إﺟامﻻً‪ ،‬ﻣﻊ ﺗﺴﺠﻴﻞ ‪ 6‬أﺳﻮاق ﻓﻘﻂ ﻻﻧﺨﻔﺎﺿﺎت ﺧﻼل‬ ‫ﺗﻠﻚ اﻟﻔﱰة‪ .‬ارﺗﻔﻊ ﺻﺎﰲ اﻹﺳﺘﻴﻌﺎب ﺑﻨﺴﺒﺔ ‪ 19‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﻣﻊ‬ ‫اﻟﺮﺑﻊ اﻟﺴﺎﺑﻖ‪ ،‬وإﻏﻼق اﻟﺴﻨﺔ ﻋﲆ إرﺗﻔﺎع ﻗﻮي‪ .‬ﻣﻊ ذﻟﻚ‪ ،‬إرﺗﻔﻊ اﳌﺆﴍ‬ ‫اﻵن ﺑﻨﺴﺒﺔ ‪ 3.1‬ﰲ اﳌﺎﺋﺔ ﻋﻦ أﻋﲆ ﻗﻴﻤﺔ ﻟﻪ ﻗﺒﻞ أزﻣﺔ ﻋﺎم ‪ 2008‬ﻣﻊ‬ ‫إرﺗﻔﺎع أو إﺳﺘﻘﺮار اﻹﻳﺠﺎرات ﰲ ‪ 13‬ﻣﻦ أﺻﻞ ‪ 19‬ﻣﻦ أﺳﻮاق اﳌﻜﺎﺗﺐ‬ ‫اﻟﺮﺋﻴﺴﻴﺔ اﻟﺘﻲ ﻫﻲ ﺟﺰء ﻣﻦ اﳌﺆﴍ ﺧﻼل اﻟﺮﺑﻊ اﻷﺧري ﻣﻦ ﻋﺎم ‪.2013‬‬ ‫ﻣﻌﺪﻻت اﻟﺸﻐﻮر ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﳌﻨﻄﻘﺔ زادت زﻳﺎدة ﻫﺎﻣﺸﻴﺔ ﻟﺘﺼﻞ‬ ‫إﱃ ‪ 12‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺨﺎﻣﺲ‪ ،‬وﻳﺮﺟﻊ ذﻟﻚ إﱃ ﺣﺪ ﻛﺒري إﱃ وﺟﻮد‬ ‫ﻋﺪد ﻛﺒري ﻣﻦ اﳌﺸﺎرﻳﻊ اﳌﻜﺘﻤﻠﺔ‪ .‬وﺳﺠﻠﺖ أﻋﲆ ﻣﻌﺪﻻت اﻟﻨﻤﻮ ﰲ‬ ‫إﻳﺠﺎرات اﳌﻜﺎﺗﺐ ﻣﻦ اﻟﻔﺌﺔ ‪ -‬أ ﰲ ﺟﺎﻛﺮﺗﺎ )‪ 8.4‬ﰲ اﳌﺎﺋﺔ( وﻃﻮﻛﻴﻮ )‪4.2‬‬ ‫ﰲ اﳌﺎﺋﺔ(‪ ،‬ﻋﲆ اﻟﺘﻮاﱄ‪ .‬ﰲ ﺟﺎﻛﺮﺗﺎ‪ ،‬ﺣﻴﺚ ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺪﺧﻞ اﻟﺴﻮق‬ ‫ﰲ ﻋﺎم ‪ 2014‬إﻣﺪادات ﺟﺪﻳﺪة‪ ،‬وﻣﻦ اﳌﺮﺟﺢ أن ﻳﺘﺒﺎﻃﺄ اﻟﻨﻤﻮ ﰲ‬ ‫اﻷﺷﻬﺮ اﳌﻘﺒﻠﺔ‪ .‬ﺷﻬﺪت ﻃﻮﻛﻴﻮ إﻧﺘﻌﺎﺷﺎً ﻣﺴﺘﻤﺮا ً ﰲ ﺳﻮق اﳌﻜﺎﺗﺐ‪ ،‬ﻣﻊ‬ ‫إرﺗﻔﺎع إﻳﺠﺎرات اﳌﻜﺎﺗﺐ اﳌﻤﻴﺰة ﺑﻨﺴﺒﺔ ‪ 4.2‬ﰲ اﳌﺎﺋﺔ ﻧﺘﻴﺠﺔ ﻟﺰﻳﺎدة‬ ‫أرﺑﺎح اﻟﴩﻛﺎت اﻟﺘﻲ متﻴﺰت ﺑﺰﻳﺎدة ﻧﺸﺎﻃﻬﺎ اﻹﻳﺠﺎري واﻧﺨﻔﺎض‬ ‫ﻣﻌﺪﻻت اﻟﺸﻐﻮر ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﳌﺪﻳﻨﺔ‪ .‬ﰲ ﺑﺎﻧﻜﻮك‪ ،‬ﺳﺠﻠﺖ إﻳﺠﺎرات‬


Valoran Real Estate Brokers Your Lifestyle Broker

‫أﺳﻌﺎر اﻟﺒﻴﻊ ﰲ ﻣﺠﻤﻊ اﻟﺸﻘﻖ اﻟﻔﺎﺧﺮة ﺗﺨﺘﻠﻒ اﻋﺘامدا ً ﻋﲆ ﻋﺪد ﻏﺮف‬ ‫ ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻮﺣﺪات ﻫﻲ ﺷﻘﻖ ﻣﻜﻮﻧﺔ‬50 ‫ ﺣﻮاﱄ‬.‫اﻟﻨﻮم وﻧﻮع اﻟﺸﻘﺔ‬ ‫ درﻫﻢ‬2،300،000 ‫ وﺗﱰاوح ﻣﺘﻮﺳﻂ اﻷﺳﻌﺎر ﻣﻦ‬.‫ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم‬ ‫ درﻫﻢ ﻟﺸﻘﺔ ﻣﻜﻮﻧﺔ ﻣﻦ ﺛﻼث‬6،000،000 ‫ﻟﺸﻘﺔ ﺑﻐﺮﻓﺔ ﻧﻮم واﺣﺪة إﱃ‬ .‫ﻏﺮف ﻧﻮم‬ ‫ ﻳﺼﻞ ﻣﺘﻮﺳﻂ إﻳﺠﺎر اﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺘﻲ‬،‫ﻣﻦ ﺣﻴﺚ اﻻﻳﺠﺎرات‬ ‫ درﻫﻢ‬242,500 ‫ﻧﻮم وﺛﻼث ﻏﺮف ﻧﻮم ﰲ ﻣﺴﺎﻛﻦ ﻣﺮﻛﺰ اﻟﺘﺠﺎرة إﱃ‬ ‫ درﻫﻢ ﺳﻨﻮﻳﺎً ﻷرﺧﺺ اﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ‬185,000 ‫ وﻳﱰاوح ﺑني‬،ً‫ﺳﻨﻮﻳﺎ‬ ‫ ﻏﺮف‬3 ‫ درﻫﻢ ﺳﻨﻮﻳﺎً ﻟﻠﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ‬300,000 ‫ﻏﺮﻓﺘﻲ ﻧﻮم وإﱃ‬ .‫ﻧﻮم‬ ‫ وﻛﺬﻟﻚ ﻋﲆ‬،‫ﺗﺨﺘﻠﻒ اﻷﺳﻌﺎر اﻋﺘامدا ً ﻋﲆ ﺣﺠﻢ وﺗﺼﻤﻴﻢ اﻟﺸﻘﺔ‬ .‫اﳌﻨﺎﻇﺮ اﻟﺘﻲ ﺗﻄﻞ ﻋﻠﻴﻬﺎ‬

‫ ﺛﻼﺛﺔ وأرﺑﻌﺔ‬،‫ ﻏﺮﻓﺘﻲ ﻧﻮم‬،‫ﺗﺘﻮﻓﺮ اﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ واﺣﺪة‬ .‫ﻏﺮف ﻧﻮم ﰲ ﻣﺴﺎﻛﻦ ﻣﺮﻛﺰ اﻟﺘﺠﺎرة اﻟﻌﺎﳌﻲ ﰲ ﺗﺼﺎﻣﻴﻢ ﻣﺨﺘﻠﻔﺔ‬ Apartment Type

Area (sq.m) View

1 B/R Duplex

135

One-bedroom Duplex Club

1 B/R Duplex Club

135

Zabeel Park

2 B/R Simplex

116-132

World Trade Centre

2 B/R Duplex

171-229

2 B/R Duplex Gallery

210-220

2 B/R Club Simplex

116-132

2 B/R Club Duplex

170-230

2 B/R Club Gallery

210-220

2 B/R Duplex Eco*

171-229

Zabeel Park & Trade Centre

3 B/R Duplex Gallery

246-273

Zabeel Park

3 B/R Club Gallery

246-273

4 B/R Duplex

313

World Trade Centre

4 B/R Duplex Gallery

386

Zabeel Park

4 B/R Club Gallery

386

4BMF1SJDFT Villa Avg. Price: N/A Price Range: N/A

Apartment Avg. Price: AED 4,458,333 Price Range: AED 2,300,000 - AED 6,000,000

PropertZtypes

ProperUJFTbZbFErooms

tVilla tApartment

tbed

tbed

tbed

tbed

Source: propertyfinder.ae

3FOUBM1SJDFT Villa Avg. Price: N/A Price Range: N/A

Apartment Avg. Price: AED 242,500 Price Range: AED 185,000 - AED 300,000

PropertZtypes

tVilla tApartment

Source: propertyfinder.ae

11

ProperUJFTbZbFErooms

tbed

tbed

tbed

tbed


‫‪- 16‬‬

‫‪2014‬‬

‫اﳌﻨﻄﻘﺔ اﳌﻜﺘﺒﻴﺔ‬ ‫وﺗﻀﻢ اﳌﻨﻄﻘﺔ اﳌﻜﺘﺒﻴﺔ اﳌﺒﺎين اﻟﺘﺠﺎرﻳﺔ اﻟﺘﻲ ﺗﻘﻊ ﺑﺎﻟﻘﺮب ﻣﻦ اﳌﺮاﻛﺰ‬ ‫اﻟﺘﺠﺎرﻳﺔ ﰲ ﻣﺮﻛﺰ اﻟﺘﺠﺎرة اﻟﻌﺎﳌﻲ وأﺑﺮاج اﻹﻣﺎرات‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ‬ ‫اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ اﻟﺤﺪﻳﺜﺔ اﻟﺘﻲ ﺗﻄﺎﺑﻖ اﳌﻌﺎﻳري اﻟﻌﺎﳌﻴﺔ‪ ،‬وﻣﻨﻄﻘﺔ ﺑﻬﺎ‬ ‫اﳌﻄﺎﻋﻢ اﻟﺮاﻗﻴﺔ اﻟﺘﻲ ﺗﻌﺪ ﻣﺜﺎﻟﻴﺔ ﻟﻌﺸﺎء اﻟﻌﻤﻞ أو اﻻﺟﺘامﻋﺎت‪،‬‬ ‫وﻣﺮاﻓﻖ ﺗﻌﻠﻴﻤﻴﺔ ﻣﺜﻞ ﻟﻨﺪن ﺑﻴﺰﻧﺲ ﺳﻜﻮل وﻛﺎس ﺑﻴﺰﻧﺲ ﺳﻜﻮل‪ ،‬ﺣﻴﺚ‬ ‫ميﻜﻦ ﻟﺮﺟﺎل اﻷﻋامل ﻣﻮاﻛﺒﺔ اﻹﺗﺠﺎﻫﺎت اﻟﻌﺎﳌﻴﺔ أو ﺗﺤﺪﻳﺚ ﻣﻬﺎراﺗﻬﻢ‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك ﺻﺎﻻت رﻳﺎﺿﻴﺔ راﻗﻴﺔ ﺗﻮﻓﺮ ﻓﺮﺻﺔ اﻟﺤﺼﻮل‬ ‫ﻋﲆ ﺣﻴﺎة ﺻﺤﻴﺔ ﻟﻴﺴﺖ "ﻛﻠﻬﺎ ﻋﻤﻞ"‪.‬‬

‫ﻣﺮﻛﺰ اﳌﺪﻳﻨﺔ‬ ‫ﰲ وﺳﻂ اﳌﴩوع ﻳﻜﻤﻦ ﻣﺮﻛﺰ اﳌﺪﻳﻨﺔ‪ ،‬اﻟﺬي ﻳﻀﻢ ﻣﺴﺎﺣﺎت اﳌﺤﺎل‬ ‫اﻟﺘﺠﺎرﻳﺔ اﻟﺘﻲ ﺗﻠﺒﻲ اﺣﺘﻴﺎﺟﺎت ﻛﻞ ﻣﻦ اﳌﻨﺎﻃﻖ اﻟﺴﻜﻨﻴﺔ واﳌﻜﺘﺒﻴﺔ‪ .‬ﺑﻬﺎ‬ ‫إﺣﺴﺎس اﻟﺒﻴﺘﺰا ﻣﻦ ﺧﻼل ﻣﻄﺎﻋﻢ آل ﻓﺮﻳﺴﻜﻮ اﻟﺘﻲ ﺗﻘﺪم ﻣﺠﻤﻮﻋﺔ‬ ‫ﻛﺒرية ﻣﻦ اﳌﺄﻛﻮﻻت‪ .‬اﻟﺴﻮق اﳌﺮﻛﺰ اﻟﺼﺎﺧﺐ اﻟﺬي ﻳﻀﻢ أﻓﻀﻞ اﻟﻔﻮاﻛﻪ‪،‬‬ ‫اﻟﺨﴬوات‪ ،‬اﳌﺄﻛﻮﻻت اﻟﺒﺤﺮﻳﺔ‪ ،‬اﻟﻠﺤﻮم واﻟﺠنب‪ ،‬واﻟﺬي ﻳﻌﺰز أﺳﻠﻮب‬ ‫اﻟﺤﻴﺎة اﻟﻌﺎﳌﻴﺔ ﰲ ﻫﺬا اﻟﺘﻄﻮﻳﺮ‪ .‬اﳌﺤﺎل اﻟﺘﺠﺎرﻳﺔ اﻟﺘﻲ ﺗﺼﻄﻒ ﻋﲆ‬ ‫ﺟﺎﻧﺒﻲ اﻟﺸﺎرع اﻟﺘﺠﺎري‪ ،‬واﻟﺘﻲ ﺗﺘﻤﺘﻊ ﺑﺎﻷﺟﻮاء اﻷوروﺑﻴﺔ اﳌﺘﻤﻴﺰة‪.‬‬ ‫اﳌﻨﻄﻘﺔ ﺗﻨﺒﺾ ﺑﺎﻟﺤﻴﺎة ﺣﺘﻰ ﰲ ﻓﱰة اﻟﻠﻴﻞ ﻣﻊ اﻟﻨﻮادي اﻟﻠﻴﻠﻴﺔ‪ ،‬دور‬ ‫اﻟﺴﻴﻨام واﳌﺴﺎرح اﻟﺘﻲ ﺗﺒﻘﻰ ﻣﻔﺘﻮﺣﺔ ﺣﺘﻰ اﻟﺴﺎﻋﺎت اﻷوﱃ ﻣﻦ‬ ‫اﻟﺼﺒﺎح واﻟﺘﻲ ﺗﺠﺬب اﻟﺮواد ﻣﻦ ﻣﺨﺘﻠﻒ أﻧﺤﺎء اﳌﺪﻳﻨﺔ‪ .‬وﺗﺼﻞ اﻟﺠﺴﻮر‬ ‫ﺷﻮارع اﳌﻨﻄﻘﺔ مبﺤﻄﺎت اﳌﱰو اﻟﻘﺮﻳﺒﺔ ﻣام ﻳﺠﻌﻞ ﻣﻦ اﻟﺴﻬﻞ اﻟﻮﺻﻮل‬ ‫إﻟﻴﻬﺎ‪.‬‬ ‫ﻣﺮﻛﺰ اﳌﺪﻳﻨﺔ ذو اﳌﻨﺎﻇﺮ اﻟﻄﺒﻴﻌﻴﺔ اﻟﺨﻼﺑﺔ ﻳﺘﻤﺘﻊ أﻳﻀﺎً ﺑﺎﳌﺮاﻓﻖ اﳌﺎﺋﻴﺔ‬ ‫واﳌﺴﺎﺣﺎت اﻟﺨﴬاء اﻟﺠﺬاﺑﺔ ﻣﻦ اﻟﻨﺎﺣﻴﺔ اﻟﺠامﻟﻴﺔ‪ .‬وﺗﻨﺘﴩ اﳌﺴﺎﺣﺎت‬ ‫اﻟﺘﺠﺎرﻳﺔ ﻋﲆ ﻃﺎﺑﻘني‪ .‬ﺑﺎﺣﺔ اﻟﻬﻮاء اﻟﻄﻠﻖ ﰲ اﻟﻄﺎﺑﻖ اﻟﻌﻠﻮي ﻫﻲ‬ ‫اﻷﻓﻀﻞ ﻟﻼﺳﺘﻤﺘﺎع ﺑﺎﻟﻄﻘﺲ ﺧﻼل أﺷﻬﺮ اﻟﱪد‪ ،‬ﰲ ﺣني أن اﻟﻄﺎﺑﻖ‬ ‫اﻟﺴﻔﲇ ﻣﻜﻴﻒ اﻟﻬﻮاء ﻛﻠﻴﺎً ﻟﺘﻮﻓري اﻟﺮاﺣﺔ ﰲ أﺷﻬﺮ اﻟﺼﻴﻒ‪.‬‬

‫ﻣﺴﺎﻛﻦ ﺟﻤريا ﻟﻴﻔﻨﻎ ﺑﺎﳌﺮﻛﺰ اﻟﺘﺠﺎري اﻟﻌﺎﳌﻲ‬ ‫ﺗﻘﻊ ﰲ ﻗﻠﺐ ﻣﺪﻳﻨﺔ ديب‪ ،‬ﻣﺴﺎﻛﻦ ﺟﻤريا ﻟﻴﻔﻴﻨﺞ ﺑﺎﳌﺮﻛﺰ اﻟﺘﺠﺎري‬ ‫اﻟﻌﺎﳌﻲ‪ ،‬ﻫﻮ ﻣﺠﻤﻊ ﺳﻜﻨﻲ ﻳﻀﻢ ‪ 377‬ﻣﻦ اﳌﺴﺎﻛﻦ اﻟﺮاﻗﻴﺔ اﻟﻔﺎﺧﺮة‪.‬‬ ‫وﻳﻘﻊ ﻋﲆ ﻣﻮﻗﻊ ﻓﻨﺪق ﻣﺮﻛﺰ اﻟﺘﺠﺎرة اﻟﻌﺎﳌﻲ اﻟﺴﺎﺑﻖ ﺑﺠﻮار ﻣﺮﻛﺰ‬ ‫اﻟﺘﺠﺎرة اﻟﻌﺎﳌﻲ وﻣﺮﻛﺰ ديب اﻟﺪوﱄ ﻟﻠﻤﺆمتﺮات‪ .‬وﻫﻮ ﻣﺠﻤﻊ ﺳﻜﻨﻲ‬ ‫ﻛﺎﻣﻞ اﻟﺨﺪﻣﺎت وﻳﻌﺘﱪ واﺣﺪا ً ﻣﻦ أرﻗﻰ اﻷﻣﺎﻛﻦ اﻟﺸﻬرية ﰲ اﳌﺪﻳﻨﺔ‪.‬‬ ‫‪www.valoran.ae‬‬

‫وﺗﻨﺘﴩ اﻟﺸﻘﻖ ﻋﲆ أﻛرث ﻣﻦ ‪ 40‬ﻃﺎﺑﻘﺎً وﺑﺮﺟني ﻳﻀامن ﻣﺰﻳﺠﺎً ﻣﻦ‬ ‫اﻟﺸﻘﻖ اﻟﻔﺎﺧﺮة اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ واﺣﺪة‪ ،‬ﻏﺮﻓﺘﺎن‪ ،‬ﺛﻼﺛﺔ وأرﺑﻌﺔ ﻏﺮف‬ ‫ﻧﻮم‪ .‬وﺗﺘﻤﻴﺰ ﺑﺎﻟﺘﺼﻤﻴﻢ اﻟﺤﺪﻳﺚ‪ ،‬واﻟﺘﺠﻬﻴﺰات اﻷﻛرث ﺗﻄﻮرا ً‪ .‬وﺗﻮﻓﺮ‬ ‫اﻟﺸﻘﻖ ﻣﻨﺎﻇﺮ ﺧﻼﺑﺔ ﻋﲆ أﻓﻖ اﳌﺪﻳﻨﺔ‪.‬‬ ‫اﻟﺸﻘﻖ اﳌﻔﺮوﺷﺔ ﺑﺎﻟﻜﺎﻣﻞ ﺗﺘﻤﺘﻊ ﺑﺨﺪﻣﺎت اﻟﺘﺪﺑري اﳌﻨﺰﱄ اﻟﺸﺎﻣﻞ‪ ،‬مبﺎ‬ ‫ﰲ ذﻟﻚ رﻋﺎﻳﺔ اﻷﻃﻔﺎل‪ ،‬ﻏﺴﻞ اﳌﻼﺑﺲ‪ ،‬اﻟﺘﻨﻈﻴﻒ اﻟﺠﺎف واﻟﺨﻴﺎﻃﺔ‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﺗﺘﻮاﻓﺮ اﻟﺨﺪﻣﺎت اﻟﻬﻨﺪﺳﻴﺔ ﻟﻠﺼﻴﺎﻧﺔ ﻋﲆ ﻣﺪار‬ ‫اﻟﺴﺎﻋﺔ‪ .‬وﻫﻨﺎك ﻣﻴﺰة إﺿﺎﻓﻴﺔ وﻫﻲ ﻓﺮﻳﻖ ﻻﻳﻒ ﺳﺘﺎﻳﻞ اﻟﺬي ﻳﻌﺘﻨﻲ‬ ‫ﺑﻜﻞ إﺣﺘﻴﺎﺟﺎت اﻟﺴﻜﺎن ﺑﺪءا ً ﻣﻦ ﺗﻮﺟﻴﻪ ﻣﺎ ﻗﺒﻞ اﻟﻮﺻﻮل ﻟﻠﻤﺴﺎﻋﺪة ﰲ‬ ‫اﻹﻧﺘﻘﺎل‪ ،‬ﺗﻌﻴني اﻟﺸﻘﺔ وﺣﺘﻰ اﻟﺘﺨﺰﻳﻦ ﰲ اﻟﺜﻼﺟﺔ ‪ /‬اﳌﺨﺰن ‪ -‬وأي ﳾء‬ ‫ﻳﺴﺎﻫﻢ ﰲ متﺘﻊ اﻟﺴﻜﺎن ﺑﺤﻴﺎة ﺳﻬﻠﺔ دون أي ﻋﻨﺎء‪.‬‬ ‫وﺗﺸﻤﻞ اﳌﺮاﻓﻖ ﻣﺮﻛﺰا ً ﻛﺎﻣﻼً ﻟﻠﻴﺎﻗﺔ اﻟﺒﺪﻧﻴﺔ ﻣﻊ أﺣﺪث اﳌﻌﺪات‪ ،‬ﻣﺪرب‬ ‫ﺷﺨﴢ و ﺧﺪﻣﺎت اﻟﺘﻐﺬﻳﺔ‪ .‬وﻫﻨﺎك أﻳﻀﺎ ﺣامم ﺳﺒﺎﺣﺔ ‪ 25‬ﻣﱰ ﻋﲆ‬ ‫اﻟﺴﻘﻒ ﰲ اﻟﻄﺎﺑﻖ ‪.30‬‬


‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ )‪(DIFC‬‬

‫اﳌﻨﻄﻘﺔ اﻟﺴﻜﻨﻴﺔ‬

‫ﻳﻘﻊ ﻋﲆ ﻣﺴﺎﺣﺔ ‪ 110‬ﻓﺪاﻧﺎً ﺑني ﺑﺮج ﺧﻠﻴﻔﺔ وأﺑﺮاج اﻹﻣﺎرات‪ ،‬ﻣﺮﻛﺰ ديب‬ ‫اﳌﺎﱄ اﻟﻌﺎﳌﻲ )‪ (DIFC‬ﻫﻮ ﻣﺤﻮر اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ واﳌﺎﻟﻴﺔ اﻟﺬي‬ ‫ﻳﺮﺑﻂ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻣﻊ ﺑﻘﻴﺔ اﻟﻌﺎمل‪ .‬وﻗﺪ ﺗﻢ ﺗﺼﻤﻴﻢ‬ ‫اﻟﺘﻄﻮﻳﺮ ﻟﻌﺮض وﺟﻬﺎت راﺋﻌﺔ ﻣﻦ اﳌﻌﺎمل اﻟﻘﺮﻳﺒﺔ ذات اﻟﺸﻬﺮة اﻟﻌﺎﳌﻴﺔ‬ ‫ﻣﻦ اﳌﺪﻳﻨﺔ‪ .‬ﻣﻮﻗﻌﻪ اﳌﻤﻴﺰ ﻳﺘﻴﺢ ﺳﻬﻮﻟﺔ اﻟﻮﺻﻮل إﱃ ﻣﻄﺎر ديب اﻟﺪوﱄ‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ميﻜﻦ اﻟﻮﺻﻮل إﱃ اﳌﻨﺎﻃﻖ اﻟﺘﺠﺎرﻳﺔ ﰲ وﺳﻂ ﻣﺪﻳﻨﺔ‬ ‫ديب واﻟﺨﻠﻴﺞ اﻟﺘﺠﺎري ﰲ ﺧﻤﺲ ﻋﴩة دﻗﻴﻘﺔ‪ .‬ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ‬ ‫ﻫﻮ أﻳﻀﺎ ﻋﲆ اﺗﺼﺎل ﺟﻴﺪ ﺑﺎﺛﻨﺘني ﻣﻦ ﻣﺤﻄﺎت اﳌﱰو إﱃ ﺟﺎﻧﺐ ﺳﻬﻮﻟﺔ‬ ‫اﻟﻮﺻﻮل إﻟﻴﻪ ﻣﻦ اﻟﻄﺮﻳﻖ اﻟﴪﻳﻊ اﻟﺮﺋﻴﴘ ﰲ اﳌﺪﻳﻨﺔ‪ -‬ﻃﺮﻳﻖ اﻟﺸﻴﺦ‬ ‫زاﻳﺪ‪.‬‬

‫اﳌﻨﻄﻘﺔ اﻟﺴﻜﻨﻴﺔ‪ ،‬واﻟﺘﻲ ﺗﺮﻛﺰ ﻋﲆ اﻷﺑﺮاج اﻟﺴﻜﻨﻴﺔ‪ ،‬وﺗﻘﻊ أﻳﻀﺎ ﺑني ديب‬ ‫اﻟﻘﺪميﺔ واﻟﺠﺪﻳﺪة وﺗﻮﻓﺮ ﺳﻬﻮﻟﺔ اﻟﻮﺻﻮل إﱃ أﻓﻀﻞ اﳌﺪارس ﻓﻀﻼً ﻋﻦ‬ ‫ﻣﺮاﻓﻖ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ ﰲ اﳌﺪﻳﻨﺔ‪.‬‬

‫ﻣﻊ ﻣﺰﻳﺞ ﻣﺜﺎﱄ ﻣﻦ اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ واﻟﺴﻜﻨﻴﺔ ﰲ اﳌﴩوع‪ ،‬ﻳﻮﻓﺮ‬ ‫ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ أﺳﻠﻮب ﺣﻴﺎة اﻟﻨﺨﺒﺔ ﻣﻊ ﻣﻴﺰات ﺟﻴﺪة‬ ‫اﻟﺘﺨﻄﻴﻂ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﺷﺒﻜﺔ اﻟﻄﺮق واﳌﺮاﻓﻖ اﳌﻤﺘﺎزة اﻟﺘﻲ ﻳﺘﻮﻓﺮ ﺑﻬﺎ‬ ‫أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات ﰲ ﻛﻞ اﳌﻨﺎﻃﻖ‪ ،‬واﻟﺘﻲ ﺗﺮﻛﺰ ﻋﲆ ﻣﻨﻊ اﻻزدﺣﺎم‬ ‫اﳌﺮوري‪ ،‬ﺑﺎﻹﺿﺎﻓﺔ ﻧﻔﻖ اﻟﺨﺪﻣﺎت اﻟﺬي ﻳﺮﺑﻂ ﺟﻤﻴﻊ اﳌﻨﺎﻃﻖ ﻟﺘﻮﻓري‬ ‫ﺳﻬﻮﻟﺔ اﻟﻮﺻﻮل إﱃ اﳌﺮاﻓﻖ ﻣام ﻳﻀﻤﻦ ﺗﺪﻓﻘﺎً ﺳﻠﺴﺎً ﻟﻸﻧﺸﻄﺔ اﻟﺘﺠﺎرﻳﺔ‪.‬‬

‫ﻣﻦ ﺑني اﳌﺸﺎرﻳﻊ اﻟﺴﻜﻨﻴﺔ ﰲ ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ ﻣﴩوع اﻟﱪﺟني‪،‬‬ ‫داﻣﺎك ﺑﺎرك ﺗﺎورز‪ ،‬واﻟﺬي ﻳﺘﻜﻮن ﻣﻦ ‪ 49‬ﻃﺎﺑﻖ ﺗﻀﻢ وﺣﺪات ﻣﻜﻮﻧﺔ‬ ‫ﻣﻦ ﻏﺮﻓﺔ واﺣﺪة‪ ،‬ﻏﺮﻓﺘني وﺛﻼث ﻏﺮف ﻧﻮم‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﺑﻌﺾ‬ ‫اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ ﰲ ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﺳﻨﱰال ﺑﺎرك‬ ‫ﺗﺎور‪ ،‬ﺑﺮج داﻣﺎن‪ ،‬ﺑﺮج ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ‪ ،‬ﺳﻜﺎي ﺟﺎردﻧﺰ‪ ،‬إﻧﺪﻛﺲ‬ ‫ﺗﺎور‪ ،‬ﻟﻴﱪيت ﻫﺎوس وﻻميﺴﺘﻮن ﻫﺎوس ﻫﻲ ﺟﺰء ﻣﻦ اﻟﺘﻄﻮرات ﻣﺘﻌﺪدة‬ ‫اﻻﺳﺘﺨﺪاﻣﺎت‪.‬‬

‫ﻳﻀﻢ اﳌﴩوع ﺛﻼث ﻣﻨﺎﻃﻖ رﺋﻴﺴﻴﺔ – ﻣﺮﻛﺰ اﳌﺪﻳﻨﺔ‪ ،‬اﳌﻨﻄﻘﺔ اﻟﺴﻜﻨﻴﺔ‬ ‫واﳌﻨﻄﻘﺔ اﳌﻜﺘﺒﻴﺔ ‪ -‬اﻟﺘﻲ ﺗﺘﻜﺎﻣﻞ ﺑﺸﻜﻞ ﺟﻴﺪ ﻟﺘﻮﻓري ﺑﻴﺌﺔ ﻣﱰﻓﺔ ﺣﻴﺚ‬ ‫ميﻜﻦ ﻟﻠﻨﺎس اﻟﻌﻴﺶ‪ ،‬اﻟﻌﻤﻞ واﻟﻠﻌﺐ‪.‬‬

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‫ديب‪ ،‬واﻟﻘﻴﺎم ﺑﻌﻤﻠﻴﺎت اﻻﺳﺘﺤﻮاذ واﻻﺳﺘﺜامرات ﰲ اﻟﻘﻄﺎع اﻟﻌﻘﺎري‬ ‫اﻟﺬي ﻛﺎن ﻳﻈﻬﺮ إﻧﺘﻌﺎﺷﺎً ﴎﻳﻌﺎً‪ .‬اﻧﻀﻤﺖ إﻋامر اﻟﻌﻘﺎرﻳﺔ إﱃ اﻟﻠﻌﺒﺔ‬ ‫ﻣﻦ ﺧﻼﻻﻹﺳﺘﻌﺎﻧﺔ مبﻮرﻏﺎن ﺳﺘﺎﻧﲇ ﻟﺘﻘﺪﻳﻢ اﳌﺸﻮرة ﺑﺸﺄن اﻟﺒﻴﻊ اﳌﻘﱰح‬ ‫ﻟـ ‪ 25‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻣﺮاﻛﺰ اﻟﺘﺴﻮق واﳌﺤﻼت اﻟﺘﺠﺎرﻳﺔ ﻟﺰﻳﺎدة ﺗﺼﻞ إﱃ‬ ‫‪ 9‬ﻣﻠﻴﺎرات درﻫﻢ ﻣﻦ ﺧﻼل ﻃﺮح اﻟﺴﻮق اﻟﺜﺎﻧﻮﻳﺔ اﻟﺘﻲ ﺗﻨﻄﻮي ﻋﲆ‬ ‫اﻹدراج اﳌﺰدوج ﰲ ﺑﻮرﺻﺔ ﻧﺎﺳﺪاك ديب وﺑﻮرﺻﺔ ﻟﻨﺪن‪ ،‬واﻟﺘﻲ ﻣﻦ‬ ‫اﳌﺘﻮﻗﻊ أن ﻳﺘﻢ ﰲ ﻣﻨﺘﺼﻒ ﻳﻮﻧﻴﻮ‪.‬‬ ‫وﺗﺸﻤﻞ اﻻﻛﺘﺘﺎﺑﺎت اﳌﺴﺘﻘﺒﻠﻴﺔ اﻷﺧﺮى آﻳﺒﻞ ﻟﻮﺟﻴﺴﺘﻴﻚ ﺟﺮوب‪ ،‬ﴍﻛﺔ‬ ‫اﻟﺸﺤﻦ‪ ،‬ﺳﻴﻨﺎت‪ ،‬ﴍﻛﺔ اﻻﺳﺘﺜامر اﻟﺼﻨﺎﻋﻲ وﻣﻘﺮﻫﺎ أﺑﻮﻇﺒﻲ واﻟﴩﻛﺔ‬ ‫اﻟﻘﺎﺑﻀﺔ‪ ،‬اﻟﺘﻲ ﺗﻘﱰح ﺑﻴﻊ ﺟﺰء ﻣﻦ أﻋامﻟﻬﺎ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﴍﻛﺔ اﻹﻧﺸﺎءات‬ ‫اﻟﺒﱰوﻟﻴﺔ اﻟﻮﻃﻨﻴﺔ‪ ،‬ﻋﻦ ﻃﺮﻳﻖ اﻹﻛﺘﺘﺎب ﰲ وﻗﺖ ﻻﺣﻖ ﻣﻦ ﻫﺬا اﻟﻌﺎم‪.‬‬ ‫ﻣﻮﺟﺔ ﻋﺮوض اﻻﻛﺘﺘﺎب اﻟﻌﺎم‪ ،‬وﺧﺼﻮﺻﺎً ﰲ ﻣﺠﺎﻻت ﻣﺘﻨﻮﻋﺔ ﻣﺜﻞ‬ ‫اﻟﻨﻔﻂ‪ ،‬اﻟﻌﻘﺎرات‪ ،‬اﻟﺨﺪﻣﺎت اﻟﻠﻮﺟﺴﺘﻴﺔ واﻟﺘﺠﺰﺋﺔ ﺗﻌﺪ ﻋﻼﻣﺔ ﻣﻄﻤﺌﻨﺔ‬ ‫ﻟﺰﻳﺎدة ﺛﻘﺔ اﻟﴩﻛﺎت واﳌﺴﺘﺜﻤﺮﻳﻦ ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪.‬‬

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‫‪35‬‬ ‫ديب ﻟﻼﺳﺘﺜامر‪ ،‬واﻟﺘﻲ ﺗﻌﻤﻞ ﰲ ﻣﺠﺎل اﻻﺳﺘﺜامرات اﻟﺼﻨﺎﻋﻴﺔ واﻟﻌﻘﺎرﻳﺔ‪،‬‬ ‫ﻟﺪﻳﻬﺎ ﺧﻄﻂ ﻟﺰﻳﺎدة اﻟﺤﺪ ﻣﻦ اﻻﺳﺘﺜامرات اﻷﺟﻨﺒﻴﺔ ﰲ أﺳﻬﻤﻬﺎ إﱃ ‪35‬‬ ‫ﰲ اﳌﺎﺋﺔ ﻣﻦ إﺟامﱄ رأﺳامﻟﻬﺎ‪ .‬ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬إﱃ ﺟﺎﻧﺐ ﻧﺴﺒﺔ ‪20‬‬ ‫ﰲ اﳌﺎﺋﺔ اﳌﺴﻤﻮح ﺑﻬﺎ‪ ،‬ﻳﻌﺪ ﺣﻮاﱄ ‪ 13.7‬ﰲ اﳌﺎﺋﺔ ﻣﻦ أﺳﻬﻢ اﻟﴩﻛﺔ‬ ‫ﻣﻤﻠﻮﻛﺔ ﻣﻦ ﻗﺒﻞ اﳌﺴﺘﺜﻤﺮﻳﻦ اﻷﺟﺎﻧﺐ‪.‬‬ ‫ﺳﻮف ﻳﺘﻢ اﻟﺘﺼﻮﻳﺖ ﻋﲆ ﻃﻠﺐ اﻟﺘﻐﻴري اﳌﻘﱰح ﰲ ﺳﻘﻒ اﻻﺳﺘﺜامر‬ ‫اﻷﺟﻨﺒﻲ ﰲ اﻻﺟﺘامع اﳌﻘﺮر ﻋﻘﺪه ﰲ ‪ 15‬أﺑﺮﻳﻞ‪ ،‬ﺑﺤﻀﻮر اﳌﺴﺎﻫﻤني ﰲ‬ ‫اﻟﴩﻛﺔ‪ .‬وﻣﻦ ﺑني اﳌﺴﺎﻫﻤني ﰲ اﻟﴩﻛﺔ ﴍﻛﺔ ديب ﻟﻼﺳﺘﺜامر‪ ،‬اﻟﺘﻲ متﻠﻚ‬ ‫‪ 11.5‬ﰲ اﳌﺎﺋﺔ ﻣﻦ أﺳﻬﻢ اﻟﴩﻛﺔ‪.‬‬ ‫وﻗﺪ أﺷﺎرت اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﴩﻛﺎت اﻷﺧﺮى اﳌﺪرﺟﺔ ﰲ ديب‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫ﴍﻛﺔ دﻳﺎر‪ ،‬اﻻﺗﺤﺎد اﻟﻌﻘﺎرﻳﺔ وﺑﻨﻚ اﳌﴩق أﻳﻀﺎً إﱃ ﺧﻄﻂ ﻣامﺛﻠﺔ‬ ‫ﻟﺮﻓﻊ ﺳﻘﻒ اﳌﻠﻜﻴﺔ اﻷﺟﻨﺒﻴﺔ‪ .‬ﰲ اﻟﻮاﻗﻊ‪ ،‬اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﴩﻛﺎت ﰲ‬ ‫اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة وﻗﻄﺮ ﺗﻌﻴﺪ اﻟﻨﻈﺮ ﰲ ﺳﻘﻒ اﳌﻠﻜﻴﺔ اﻷﺟﻨﺒﻴﺔ‪،‬‬ ‫وذﻟﻚ ﻗﺒﻞ ﻗﻴﺎم ‪) MSCI‬ﻣﱰﺟﻢ اﳌﺆﴍ اﻟﺪوﱄ( ﺑﺮﻓﻊ ﺑﻠﺪان إﱃ ﺣﺎﻟﺔ‬ ‫"اﻷﺳﻮاق اﻟﻨﺎﺷﺌﺔ"‪ ،‬اﻟﺬي ﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺘﺒﻌﻪ ﺗﺪﻓﻖ اﻻﺳﺘﺜامرات‬ ‫اﻷﺟﻨﺒﻴﺔ ﻓﻴﻬﺎ‪.‬‬


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‫اﳌﺎﺋﺔ( و ‪ 119.55‬دوﻻر أﻣﺮﻳيك )ﻣﺮﺗﻔﻌﺔ ﺑﻨﺴﺒﺔ ‪ 4‬ﰲ اﳌﺎﺋﺔ(‪ ،‬ﻋﲆ‬ ‫اﻟﺘﻮاﱄ‪.‬‬ ‫وأﻇﻬﺮت ﺑﻴﺎﻧﺎت‪ TRI‬ﻹﺳﺘﺸﺎرات اﻟﻀﻴﺎﻓﺔ أن اﻹﺷﻐﺎل ﰲ ﻓﻨﺎدق ديب‬ ‫اﻧﺨﻔﺾ ﺑﺸﻜﻞ ﻃﻔﻴﻒ ﺑﻨﺴﺒﺔ ‪ % 1.1‬ﻟﻴﺼﻞ إﱃ ‪ 87.6‬ﰲ اﳌﺎﺋﺔ‪ ،‬وذﻟﻚ‬ ‫ﺑﺴﺒﺐ اﳌﻌﺮوض اﻟﺠﺪﻳﺪ اﻟﺬي ﻳﻀﺎف إﱃ اﻟﺴﻮق‪.‬‬

‫اﺳﱰاﺗﻴﺠﻴﺔ ﻣﻜﺘﺐ ديب ﻟﻠﻤﺆمتﺮات ﺗﻌﺪ ﻣﺤﺎوﻟﺔ ﻟﺰﻳﺎدة ﺣﺼﺘﻪ ﰲ‬ ‫اﻟﺴﻮق ﰲ ديب ﻣﻦ ﺣﻴﺚ ﺟﺬب اﻷﺣﺪاث اﻟﻌﺎﳌﻴﺔ اﻟﺘﻲ ﻳﺘﻢ اﺳﺘﻀﺎﻓﺘﻬﺎ‬ ‫ﰲ ﻣﺨﺘﻠﻒ اﻟﺒﻠﺪان ﻛﻞ ﻋﺎم‪ ،‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ﻣﺤﺎوﻟﺔ زﻳﺎدة ﻋﺪد اﳌﻤﺜﻠني‬ ‫اﻟﺬﻳﻦ ﻳﺤﴬون ﻛﻞ ﻫﺬه اﻷﺣﺪاث‪.‬‬

‫وﻓﻘﺎً ﻟﺒﻴﺎﻧﺎت وزارة اﻟﺴﻴﺎﺣﺔ واﻟﺘﺴﻮﻳﻖ اﻟﺘﺠﺎري ﰲ ديب‪ ،‬ﺟﺎء أﻛرث ﻣﻦ‬ ‫‪ 11‬ﻣﻠﻴﻮن زاﺋﺮ إﱃ اﻹﻣﺎرة ﰲ اﻟﻌﺎم اﳌﺎﴈ وﺳﺎﻫﻢ ذﻟﻚ ﰲ ﺗﺤﻘﻴﻖ‬ ‫إﻳﺮادات ﺑﻘﻴﻤﺔ ‪ 21.84‬ﻣﻠﻴﺎر درﻫﻢ‪ ،‬أي ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 16.1‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻘﺎرﻧﺔ ﺑﻌﺎم ‪ .2012‬وﺳﺠﻠﺖ ﻫﻴﺌﺔ أﺑﻮﻇﺒﻲ ﻟﻠﺴﻴﺎﺣﺔ واﻟﺜﻘﺎﻓﺔ ))‪TCA‬‬ ‫‪ 2.8‬ﻣﻠﻴﻮن زاﺋﺮ ﰲ اﻟﻌﺎﺻﻤﺔ ﰲ ﻋﺎم ‪ ،2013‬أي ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 18‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻋﻦ ﻋﺎم ‪.2012‬‬ ‫ﺧﻄﺔ ديب اﻟﺘﻨﻤﻮﻳﺔ ﻟﻠﻌﺎﻣني اﳌﻘﺒﻠني ﺗﻀﻢ ‪ 141‬ﻣﻦ اﳌﻨﺸﺂت اﻟﻔﻨﺪﻗﻴﺔ‪،‬‬ ‫مبﺎ ﰲ ذﻟﻚ ‪ 99‬ﻓﻨﺪﻗﺎً و ‪ 48‬ﺷﻘﺔ ﻓﻨﺪﻗﻴﺔ‪ ،‬وﻓﻘﺎً ﻟﺪاﺋﺮة اﻟﺴﻴﺎﺣﺔ‪.‬‬

‫‪2020‬‬ ‫ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﱄ‪ ،‬متﺜﻞ اﻟﺴﻴﺎﺣﺔ اﻟﺘﺠﺎرﻳﺔ ﺣﻮاﱄ ‪ 20‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫اﻟﺴﻴﺎﺣﺔ ﰲ ديب‪ ،‬وﻟﻜﻦ اﻟﺨﱪاء ﻳﺘﻮﻗﻌﻮن أﻧﻪ ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات‬ ‫اﻟﻘﻠﻴﻠﺔ اﳌﻘﺒﻠﺔ‪ ،‬ﺳﻮف ﺗﻨﻤﻮ اﻟﺴﻴﺎﺣﺔ اﻟﺘﺠﺎرﻳﺔ ﰲ اﻹﻣﺎرة ﺑﻨﻔﺲ وﺗرية‬ ‫اﻟﺴﻴﺎﺣﺔ اﻟﻌﺎﻣﺔ‪.‬‬ ‫وﰲ اﻟﻨﺴﺨﺔ اﻟﺜﺎﻣﻨﺔ ﻣﻦ ﻣﻌﺮض اﻟﺨﻠﻴﺞ ﻟﺴﻴﺎﺣﺔ اﻟﺤﻮاﻓﺰ واﻷﻋامل‬ ‫واﳌﺆمتﺮات)‪ (GIBTM‬اﻟﺬي ﻋﻘﺪ ﰲ أﺑﻮﻇﺒﻲ‪ ،‬ﻗﺎل ﺳﺘني ﺟﺎﻛﻮﺑﺴﻦ‪،‬‬ ‫ﻣﺪﻳﺮ ﺳﻴﺎﺣﺔ اﳌﺆمتﺮات واﻷﻋامل اﻟﺘﺠﺎرﻳﺔ‪ ،‬وﻣﺪﻳﺮ ﻣﻜﺘﺐ ديب‬ ‫ﻟﻠﻤﺆمتﺮات أن اﺳﱰاﺗﻴﺠﻴﺔ اﻟﺴﻴﺎﺣﺔ ﰲ ديب ﺳﻮف ﺗﻌﻤﻞ ﻋﲆ ﻣﻀﺎﻋﻔﺔ‬ ‫ﻋﺪد اﻟﺴﻴﺎح اﻟﻮاﻓﺪﻳﻦ إﱃ اﻹﻣﺎرة ﻣﻦ ﻋﺎم ‪ ،2012-2020‬وﺳﻮف ﻳﺒﻠﻎ‬ ‫ﻣﺘﻮﺳﻂ اﻟﻌﺪد اﻟﺴﻨﻮي ﻟﻠﺰوار ‪ 20‬ﻣﻠﻴﻮن ﻧﺴﻤﺔ‪ ،‬واﻷﺣﺪاث اﻟﺘﺠﺎرﻳﺔ‬ ‫ﺗﻨﻤﻮ ﺑﻨﻔﺲ اﳌﻌﺪل ﻣﺜﻞ اﻟﺴﻴﺎﺣﺔ اﻟﻌﺎﻣﺔ ﻋﲆ ﻣﺪى ‪ 6-7‬ﺳﻨﻮات‬ ‫ﻗﺎدﻣﺔ ﺣﻴﺚ أن ﻓﻮز ديب ﺑﺎﺳﺘﻀﺎﻓﺔ ﻣﻌﺮض اﻛﺴﺒﻮ ‪ 2020‬ﻣﻦ ﺷﺄﻧﻪ أن‬ ‫ﻳﺜﺒﺖ ﻗﺪرة اﻹﻣﺎرة ﻋﲆ اﺳﺘﻀﺎﻓﺔ اﻷﺣﺪاث اﻟﻜﺒرية‪.‬‬ ‫ﻣﻊ ﻗﻴﺎم اﻟﺮاﺑﻄﺔ اﻟﺪوﻟﻴﺔ ﳌﻨﻈﻤﻲ اﳌﺆمتﺮات ﺑﺘﻨﻈﻴﻢ أﻛرث ﻣﻦ ‪6،500‬‬ ‫ﻣﺆمتﺮ ﰲ اﻟﺴﻨﺔ‪ ،‬واﻟﺘﻲ ﺗﺠﺬب ﻧﺤﻮ ‪ 2.5‬ﻣﻠﻴﻮن ﻣﻦ اﳌﻤﺜﻠني‪ ،‬ﺗﺴﺘﻌﺪ‬ ‫اﳌﻨﻄﻘﺔ ﻣﻦ اﻻﺳﺘﻔﺎدة ﻣﻦ ﺣﺼﺔ ﻣﻦ اﻟﺘﺠﺎرة اﻟﻌﺎﳌﻴﺔ ﺗﻘﺪر ﻗﻴﻤﺘﻬﺎ‬ ‫‪ 20.6‬ﻣﻠﻴﺎر درﻫﻢ‪.‬‬

‫‪2008‬‬ ‫ﻳﺒﺪو أن ﺳﻮق اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻳﺪﺧﻞ ﻣﺮﺣﻠﺔ ﺟﺪﻳﺪة ﻣﻊ‬ ‫اﻟﻌﺪﻳﺪ ﻣﻦ ﻋﺮوض اﻹﻛﺘﺘﺎب اﻷوﻟﻴﺔ )‪ (IPO‬اﳌﺘﻮﻗﻊ أن ﺗﺄيت إﱃ‬ ‫اﻟﺴﻮق‪ .‬ﻣام ﻳﻀﻊ ﺣﺪا ً ﻟﺨﻤﺲ ﺳﻨﻮات ﻣﻦ ﻗﻠﺔ ﻋﺮوض اﻹﻛﺘﺘﺎب ﰲ‬ ‫أﻋﻘﺎب أزﻣﺔ ‪.2008‬‬ ‫ﻛﺎن إﻋﻼن اﻻﻛﺘﺘﺎب اﻷوﱃ اﻷول اﻟﺬي أﺷﺎر إﱃ ﻧﻬﺎﻳﺔ أزﻣﺔ اﻟﺜﻘﺔ ﻣﻦ‬ ‫ﻗﺒﻞ ﴍﻛﺔ‪ ،‬ﻣﺎرﻛﺎ‪ ،‬اﻟﺘﻲ ﺗﻢ ﺗﺸﻜﻴﻠﻬﺎ ﻣﻦ ﻗﺒﻞ ﻣﺠﻤﻮﻋﺔ ﻣﻦ رﺟﺎل‬ ‫اﻷﻋامل واﳌﺴﺘﺜﻤﺮﻳﻦ‪ ،‬اﻟﺬﻳﻦ ﻛﺎﻧﻮا ﻳﺮﻏﺒﻮن ﰲ زﻳﺎدة ‪ 75‬ﻣﻠﻴﻮن دوﻻر‬ ‫ﻟﺒﺪء ﻋﻤﻠﻴﺎﺗﻬﻢ ﰲ ﻗﻄﺎﻋﺎت ﻣﺤﻼت اﻷزﻳﺎء واﳌﻮاد اﻟﻐﺬاﺋﻴﺔ ﰲ دوﻟﺔ‬ ‫اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪.‬‬ ‫وﰲ أﻋﻘﺎب ذﻟﻚ‪ ،‬أﻋﻠﻨﺖ اﻹﻣﺎرات رﻳﺖ ﻟﻼﺳﺘﺜامر اﻟﻌﻘﺎري ﺧﻄﺘﻬﺎ‬ ‫ﻟﺰﻳﺎدة ‪ 500‬ﻣﻠﻴﻮن درﻫﻢ ﻣﻦ ﺧﻼل ﻃﺮح أﺳﻬﻢ ﰲ ﺑﻮرﺻﺔ ﻧﺎﺳﺪاك‬ ‫‪7‬‬


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‫‪2014‬‬

‫‪84.1‬‬ ‫ﴏح ﺣﺎﻣﺪ ﻣﺨﺘﺎر‪ ،‬اﻟﻌﻀﻮ اﳌﻨﺘﺪب ﻟﴩﻛﺔ اﻟﻘﻠﻌﺔ ﻟﻼﺳﺘﺜامرات أﻧﻪ ﰲ‬ ‫أﻋﻘﺎب إﻋﺎدة اﻟﺘﺼﻨﻴﻒ اﻟﺮﺳﻤﻲ ﳌﺆﴍات دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﳌﺘﺤﺪة ﰲ ﻣﺎﻳﻮ ‪ 2014‬إﱃ وﺿﻊ "اﻷﺳﻮاق اﻟﻨﺎﺷﺌﺔ" ﻣﻦ ﻗﺒﻞ ﻣﻮرﻏﺎن‬ ‫ﺳﺘﺎﻧﲇ ﰲ ﻧﻴﻮﻳﻮرك‪ ،‬ميﻜﻦ ﺗﻮﻗﻊ ﺗﺪﻓﻘﺎت ﺿﺨﻤﺔ ﰲ اﻷﺳﻮاق اﳌﺎﻟﻴﺔ ﰲ‬ ‫اﻟﺒﻼد‪ .‬وﺗﻌﻮد ﻫﺬه اﻟﱰﻗﻴﺔ ﺑﺎﻟﻨﻔﻊ ﻋﲆ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‬ ‫ﻣﻦ ﺧﻼل ﺟﺬب اﳌﺰﻳﺪ ﻣﻦ اﳌﺴﺘﺜﻤﺮﻳﻦ اﻷﺟﺎﻧﺐ وﺗﻌﺰﻳﺰ اﻟﺴﻴﻮﻟﺔ‪ ،‬ﻣام‬ ‫ﻳﺴﺎﻋﺪ ﻋﲆ ﺗﻌﺰﻳﺰ ﻣﻜﺎﻧﺔ اﻟﺒﻼد ﻛﻤﺮﻛﺰ ﻣﺎﱄ ﰲ ﻣﻨﻄﻘﺔ اﻟﴩق اﻷوﺳﻂ‪.‬‬

‫أﻇﻬﺮ ﻗﻄﺎع اﻟﻀﻴﺎﻓﺔ ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة إزدﻫﺎرا ً ﰲ‬ ‫ﻧﺴﺒﺔ اﻹﺷﻐﺎل ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﺒﻼد ﻟﻴﺼﻞ إﱃ ‪ 84.1‬ﰲ اﳌﺎﺋﺔ ﰲ ﻓﱪاﻳﺮ‬ ‫ﻣﻦ ﻋﺎم ‪ .2014‬وﻓﻘﺎً ﻟﺒﻴﺎﻧﺎت ﻣﻦ ‪ STR‬اﻟﻌﺎﳌﻴﺔ‪ ،‬اﻟﺘﻲ ﺗﻮﻓﺮ ﺑﻴﺎﻧﺎت‬ ‫اﻟﺴﻮق اﻟﻔﻨﺪﻗﻴﺔ‪ ،‬ﺗﻨﻌﻜﺲ ﻫﺬه اﻟﺰﻳﺎدة ﺑﻨﺴﺒﺔ ‪ 0.5‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ‬ ‫ﺑﺎﻟﻔﱰة ﻧﻔﺴﻬﺎ ﻣﻦ اﻟﻌﺎم اﳌﺎﴈ‪ .‬ﻣﺘﻮﺳﻂ اﳌﻌﺪل اﻟﻴﻮﻣﻲ )‪(ADR‬‬ ‫إﻗﱰب ﻣﻦ ‪ 882.92‬درﻫﻢ إﻣﺎرايت )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 3‬ﰲ اﳌﺎﺋﺔ(‪ ،‬وزادت‬ ‫إﻳﺮادات اﻟﻐﺮﻓﺔ اﻟﻮاﺣﺪة اﳌﺘﺎﺣﺔ )‪ (RevPAR‬ﺑﻨﺴﺒﺔ ‪ 3.5‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻟﺘﺼﻞ إﱃ ‪ 742.25‬درﻫﻢ‪ .‬وﻛﺎن آداء ﻓﻨﺎدق ديب ﺟﻴﺪا ً وﺳﺠﻠﺖ أﻋﲆ‬ ‫زﻳﺎدة ﰲ اﳌﻨﻄﻘﺔ‪ ،‬ﺣﻴﺚ وﺻﻞ ‪ ADR‬إﱃ ‪ 286.99‬دوﻻر أﻣﺮﻳيك‪ .‬ﰲ‬ ‫أﺑﻮﻇﺒﻲ‪ ،‬اﻧﺨﻔﺾ ‪ ADR‬ﺑﻨﺴﺒﺔ ‪ 22.9‬ﰲ اﳌﺎﺋﺔ ﻟﻴﺼﻞ إﱃ ‪148.72‬‬ ‫دوﻻر أﻣﺮﻳيك‪.‬‬ ‫ﺑﺎﳌﻘﺎرﻧﺔ‪ ،‬ﻛﺎﻧﺖ ﻧﺴﺒﺔ اﻹﺷﻐﺎل ﰲ اﻟﻔﻨﺎدق ﰲ ﻣﻨﻄﻘﺔ اﻟﴩق اﻷوﺳﻂ‬ ‫وأﻓﺮﻳﻘﻴﺎ )‪(MEA‬ﺣﻮاﱄ ‪ 67.4‬ﰲ اﳌﺎﺋﺔ ﰲ ﺷﻬﺮ ﻓﱪاﻳﺮ )ﻣﺮﺗﻔﻌﺔ ﺑﻨﺴﺒﺔ‬ ‫‪ 1.3‬ﰲ اﳌﺎﺋﺔ( ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻌﺎم اﻟﺴﺎﺑﻖ‪ ،‬ﰲ ﺣني ﻛﺎﻧﺖ ‪ ADR‬وإﻳﺮادات‬ ‫اﻟﻐﺮﻓﺔ اﻟﻔﻨﺪﻗﻴﺔ اﳌﺘﺎﺣﺔ ‪ 177.42‬دوﻻر أﻣﺮﻳيك )ﻣﺮﺗﻔﻌﺔ ﺑﻨﺴﺒﺔ ‪ 2.7‬ﰲ‬

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‫΃ اﻟﻨﺨﻴﻞ متﻨﺢ ﻋﻘﻮداً ﺑﻘﻴﻤﺔ ‪ 563‬ﻣﻠﻴﻮن درﻫﻢ‪ :‬دﺧﻞ اﳌﻄﻮر ﰲ‬ ‫اﺗﻔﺎﻗﺎت ﳌﺸﺎرﻳﻊ اﻟﺒﻨﺎء ﰲ اﻟﻔﺮﺟﺎن واﳌﺪﻳﻨﺔ اﻟﻌﺎﳌﻴﺔ‪ .‬ﻣﻨﺤﺖ ﻋﻘﻮد‬ ‫اﻟﻔﺮﺟﺎن ﻟﻠﻤﻨﺎزل اﻟﺴﻜﻨﻴﺔ واﻟﻔﻠﻞ ﻟﴩﻛﺔ ﺟﻨﻜﻮ ﻟﻠﻤﻘﺎوﻻت اﻟﻌﺎﻣﺔ‬ ‫وإﺗﺤﺎد اﻟﻬﻨﺪﺳﺔ اﻹﻧﺸﺎﺋﻴﺔ )‪ ،(UNEC‬ﰲ ﺣني ﺗﻢ ﻣﻨﺢ اﻟﻌﻘﺪ ﻹﻧﺸﺎء‬ ‫اﳌﺮﻛﺰ اﻟﺘﺠﺎري ﰲ اﳌﺪﻳﻨﺔ اﻟﻌﺎﳌﻴﺔ ﻟﴩﻛﺔ ﻣﻴﺘﺎك ﻟﻠﻤﻘﺎوﻻت اﻟﻌﺎﻣﺔ‪.‬‬ ‫΃ إﻋامر اﻟﻌﻘﺎرﻳﺔ ﺗﻘﻮم ﺑﺎﻹدراج اﳌﺰودج ﻷﺳﻬﻤﻬﺎ ﰲ ﻣﺮاﻛﺰ اﻟﺘﺴﻮق‬ ‫واﻟﻮﺣﺪات اﻟﺘﺠﺎرﻳﺔ‪ :‬أﻋﻠﻨﺖ أﻛﱪ ﴍﻛﺔ ﺗﻄﻮﻳﺮ ﻋﻘﺎري ﻣﺪرﺟﺔ ﰲ ديب‬ ‫ﺧﻄﻄﻬﺎ ﻟﻺدراج اﳌﺰدوج ﳌﺎ ﻳﻘﺮب ﻣﻦ ‪ 25‬ﰲ اﳌﺎﺋﺔ ﻣﻦ أﺳﻬﻤﻬﺎ ﰲ‬ ‫إﻋامر ﳌﺮاﻛﺰ اﻟﺘﺴﻮق اﻟﺘﺠﺎرﻳﺔ ﰲ اﻷﺷﻬﺮ اﻟـ ‪ 12‬اﳌﻘﺒﻠﺔ‪ .‬إﱃ ﺟﺎﻧﺐ‬ ‫ﻧﺎﺳﺪاك ديب‪ ،‬ﺗﺴﻌﻰ اﻟﴩﻛﺔ إﱃ إدراج أﺳﻬﻤﻬﺎ ﰲ ﺑﻮرﺻﺔ ﻟﻨﺪن‪.‬‬ ‫΃‪ ͧ˼!U`˰ ɴ,y1l,f%eky,e‬ﻋﻀﻮ اﳌﺠﻠﺲ اﻷﻋﲆ ﺣﺎﻛﻢ‬ ‫اﻟﻔﺠرية‪ ،‬ﺳﻤﻮ اﻟﺸﻴﺦ ﺣﻤﺪ ﺑﻦ ﻣﺤﻤﺪ اﻟﺸﺎرﻗﻲ أﺻﺪر ﻗﺮار إﻧﺸﺎء‬ ‫ﻣﺪﻳﻨﺔ ﻣﺤﻤﺪ ﺑﻦ زاﻳﺪ‪ .‬ﺳﻮف ﻳﻘﻊ اﳌﴩوع ﻋﲆ ﻣﺴﺎﺣﺔ ‪ 7‬ﻣﱰ ﻣﺮﺑﻊ‬ ‫ﰲ ﻣﻨﻄﻘﺔ اﻟﺤﺎﺋﻞ اﻟﻮاﻗﻌﺔ ﺧﻠﻒ ﻣﻄﺎر اﻟﻔﺠرية اﻟﺪوﱄ‪ .‬ﺳﻮف ﻳﺤﺘﻮي‬ ‫اﳌﴩوع ﻋﲆ ‪ 4،000‬وﺣﺪة ﺳﻜﻨﻴﺔ ﻳﺘﻢ إﻧﺠﺎزﻫﺎ ﻋﲆ ﺛﻼث ﻣﺮاﺣﻞ‪،‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ اﳌﺮاﻓﻖ ﻣﺜﻞ اﳌﺴﺎﺟﺪ‪ ،‬اﳌﺤﻼت اﻟﺘﺠﺎرﻳﺔ‪ ،‬اﳌﺪارس‪،‬‬ ‫اﳌﺴﺘﺸﻔﻴﺎت واﻟﺤﺪاﺋﻖ اﻟﻌﺎﻣﺔ‪.‬‬

‫ﺣﺴﺎﺑﺎت اﻟﻀامن ﻟﺠﻤﻌﻴﺎت اﳌﻼك اﳌﺆﻗﺘﺔ‪ ،‬وﻟﻜﻦ ﺗﺤﺘﺎج اﱃ إﺳﺘﻜامل‬ ‫ﺑﻌﺾ اﻷوراق ﻗﺒﻞ ﻣﻨﺢ ﻫﺬه اﻟﺠﻤﻌﻴﺎت اﻟﻮﺿﻊ اﻟﻘﺎﻧﻮين‪.‬‬

‫] ‪Sale Price [ USD/SQF‬‬

‫] ‪Rental Price [ USD/SQF‬‬ ‫‪4‬‬ ‫‪3‬‬

‫‪Jan 2014: Abu Dhabi‬‬ ‫‪- USD 2.26/SQF‬‬

‫‪750‬‬ ‫‪500‬‬

‫‪Jan 2014: Abu Dhabi‬‬ ‫‪- USD 378/SQF‬‬

‫‪2‬‬ ‫‪Jan 2014: Dubai‬‬ ‫‪- USD 2.15/SQF‬‬

‫‪2014‬‬ ‫‪reidin.com‬‬

‫‪2010‬‬ ‫‪Abu Dhabi‬‬

‫‪2005‬‬ ‫‪Dubai‬‬

‫‪1‬‬

‫‪250‬‬ ‫‪Jan 2014: Dubai‬‬ ‫‪- USD 363/SQF‬‬

‫‪2010‬‬ ‫‪reiding.com‬‬

‫‪Abu Dhabi‬‬

‫‪2005‬‬

‫‪0‬‬

‫‪Dubai‬‬

‫‪5‬‬


‫‪- 16‬‬

‫‪2014‬‬

‫وﻳﻌﺪ إدﺧﺎل اﻟﻌﻘﻮد اﻟﻌﻘﺎرﻳﺔ اﳌﻮﺣﺪة ﻣﺒﺎدرة أﺧﺮى ﻣﻦ ﺷﺄﻧﻬﺎ زﻳﺎدة‬ ‫اﻟﻘﺪرة اﻟﺘﻨﺎﻓﺴﻴﺔ ﻟﻠﺴﻮق اﻟﻌﻘﺎرﻳﺔ ﰲ ديب‪ ،‬ﻣﻦ ﺧﻼل ﺗﻌﺰﻳﺰ ﻣﻌﺎﻳري‬ ‫اﻟﺸﻔﺎﻓﻴﺔ واﳌﻬﻨﻴﺔ اﻟﺘﻲ ﺳﻮف ﺗﺘﻢ ﻋﲆ أﺳﺎﺳﻬﺎ اﳌﻌﺎﻣﻼت اﻟﻌﻘﺎرﻳﺔ ﰲ‬ ‫اﻹﻣﺎرة‪ .‬ﻛام أﻧﻬﺎ ﺳﻮف ﺗﺴﺎﻋﺪ داﺋﺮة اﻷراﴈ واﻷﻣﻼك ﻋﲆ ﻣﻮاﻛﺒﺔ‬ ‫اﻟﻄﻔﺮة اﻟﻌﻘﺎرﻳﺔ اﻷﺧرية اﻟﺘﻲ ﺷﻬﺪت زﻳﺎدة ﰲ ﻋﺪد اﳌﻌﺎﻣﻼت‬ ‫اﳌﺴﺠﻠﺔ‪ ،‬وﰲ اﻟﻮﻗﺖ ﻧﻔﺴﻪ ﺣامﻳﺔ ﺣﻘﻮق أﺻﺤﺎب اﳌﺼﻠﺤﺔ اﳌﻌﻨﻴني‬ ‫ﰲ اﳌﻌﺎﻣﻠﺔ‪.‬‬

‫أﴎ اﳌﻐﱰﺑني ﰲ أﺑﻮﻇﺒﻲ ﻳﺒﺤﺜﻮن ﻋﻦ ﺧﻴﺎرات أرﺧﺺ ﺣﻴﺚ أن‬ ‫اﻹﻳﺠﺎرات ﰲ اﻟﻌﺎﺻﻤﺔ ﺗﺴﺘﻤﺮ ﰲ ﺗﺴﺠﻴﻞ إرﺗﻔﺎﻋﺎت ﻛﺒرية‪ .‬ﰲ اﻟﻌﺪﻳﺪ‬ ‫ﻣﻦ اﳌﻨﺎﻃﻖ اﻟﺴﻜﻨﻴﺔ‪ ،‬إرﺗﻔﻌﺖ اﻹﻳﺠﺎرات ﺑﻨﺴﺒﺔ ‪ 40‬إﱃ ‪ 50‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻧﻈﺮا ً ﻟﻐﻴﺎب اﻟﺮﺳﻤﻠﺔ اﻹﻳﺠﺎرﻳﺔ‪.‬‬ ‫اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﻐﱰﺑني ﻻ ميﻜﻨﻬﻢ ﺗﺤﻤﻞ ارﺗﻔﺎع اﻻﻳﺠﺎرات ﻣﻊ ﺛﺒﺎت‬ ‫اﻟﺪﺧﻞ اﻟﺸﻬﺮي ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ارﺗﻔﺎع اﻻﻳﺠﺎرات‪ .‬وﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪ ،‬ﻳﻌﺪ‬ ‫إﻳﺠﺎد ﺑﺪﻳﻞ أرﺧﺺ ﻫﻮ اﻟﺤﻞ اﻟﻮﺣﻴﺪ‪ ،‬وﻟﻜﻦ اﻟﻌﺜﻮر ﻋﲆ ﺳﻜﻦ رﺧﻴﺺ‬ ‫ﻟﻴﺲ ﺑﺎﻷﻣﺮ اﻟﻴﺴري ﺣﻴﺚ أن ﻗﻴﻤﺔ اﻹﻳﺠﺎرات ﻗﺪ إرﺗﻔﻌﺖ ﰲ ﺟﻤﻴﻊ‬ ‫أﻧﺤﺎء اﳌﺪﻳﻨﺔ‪.‬‬ ‫وﺻﻠﺖ اﻟﺰﻳﺎدة اﻹﻳﺠﺎرﻳﺔ أﻳﻀﺎ إﱃ اﳌﺸﺎرﻳﻊ اﻟﺴﻜﻨﻴﺔ اﻟﺤﺪﻳﺜﺔ ﻣﺜﻞ‬ ‫ﺟﺰﻳﺮة اﻟﺴﻌﺪﻳﺎت‪ ،‬ﺟﺰﻳﺮة اﻟﺮﻳﻢ‪ ،‬ﻣﺪﻳﻨﺔ ﺧﻠﻴﻒ واﻟﺮﻳﻒ‪ .‬ﺣﺘﻰ ﰲ‬ ‫اﳌﺼﻔﺢ‪ ،‬زادت اﻹﻳﺠﺎرات ﺑﺸﻜﻞ ﻛﺒري‪ .‬ﰲ ﻳﻨﺎﻳﺮ ﻣﻦ ﻋﺎم ‪ ،2014‬ﻛﺎن‬ ‫إﻳﺠﺎر ﺷﻘﺔ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة ﰲ ﻣﻨﻄﻘﺔ اﳌﺼﻔﺢ‪ ،‬ﰲ اﻟﺴﺎﺑﻖ‬ ‫ﰲ ﺣﺪود ‪ 45،000‬درﻫﻢ ‪ 50،000‬درﻫﻢ ﰲ وﻗﺖ ﺳﺎﺑﻖ‪ ،‬ارﺗﻔﻌﺖ إﱃ‬ ‫ﻧﺤﻮ ‪ 50،000‬درﻫﻢ إﱃ ‪ 65،000‬درﻫﻢ‪ .‬وﺑﺎﳌﺜﻞ‪ ،‬اﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ‬ ‫ﻏﺮﻓﺘﻲ ﻧﻮم ﰲ ﻣﻨﻄﻘﺔ اﳌﺼﻔﺢ‪ ،‬واﻟﺘﻲ ﻛﺎﻧﺖ ﻣﺘﺎﺣﺔ مبﺘﻮﺳﻂ إﻳﺠﺎر‬ ‫‪ 55،000‬درﻫﻢ ﻗﺒﻞ ﻋﺎﻣني‪ ،‬ﺗﺒﻠﻎ ﻗﻴﻤﺘﻬﺎ اﻵن ‪ 70،000‬درﻫﻢ‪.‬‬ ‫ﺑﻴﻨام ﻛﺎﻧﺖ ﺗﻜﻠﻔﺔ اﳌﻌﻴﺸﺔ ﰲ أﺑﻮﻇﺒﻲ دامئﺎ ﻣﺮﺗﻔﻌﺔ‪ ،‬ﺣﺘﻰ اﻵن‪ ،‬إﻻ أن‬ ‫إرﺗﻔﺎع اﻹﻳﺠﺎرات ﻗﺪ أﺑﻘﻰ اﻹرﺗﻔﺎع اﻟﺤﺎد ﺗﺤﺖ اﻟﺴﻴﻄﺮة‪ .‬ﰲ اﻟﻮاﻗﻊ‪،‬‬ ‫ﺣﺘﻰ اﻟﻌﺎم اﳌﺎﴈ‪ ،‬أدت اﻟﺰﻳﺎدة ﰲ اﳌﻌﺮوض ﻣﻦ اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ‬ ‫إﱃ ﺧﻔﺾ اﻹﻳﺠﺎرات ﰲ أﺑﻮﻇﺒﻲ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻣﻨﺬ إﻟﻐﺎء اﻟﺮﺳﻤﻠﺔ‬ ‫اﻹﻳﺠﺎرﻳﺔ اﻟﺘﻲ ﻛﺎﻧﺖ ﺗﺒﻠﻎ ﻗﻴﻤﺘﻬﺎ ‪ 5‬ﰲ اﳌﺎﺋﺔ ﰲ ﻧﻮﻓﻤﱪ اﳌﺎﴈ‪ ،‬ﻗﺎم‬ ‫أﺻﺤﺎب اﻟﻌﻘﺎرات ﺑﺎﻻﺳﺘﻔﺎدة ﻣﻦ اﻟﻮﺿﻊ ﻣﻦ ﺧﻼل زﻳﺎدات ﺣﺎدة ﰲ‬ ‫اﻹﻳﺠﺎرات‪.‬‬

‫‪www.valoran.ae‬‬

‫ﻣﻊ ﻋﺪم وﺟﻮد ﺧﻴﺎرات ﻛﺎﻓﻴﺔ ﻟﺴﻜﻦ أرﺧﺺ‪ ،‬أﺧﺬ اﻟﻨﺎس ﻳﺒﺤﺜﻮن‬ ‫ﺣﺘﻰ ﰲ ﻣﻨﺎﻃﻖ ﻣﺜﻞ اﻟﺸﻬﺎﻣﺔ‪ ،‬واﻟﺘﻲ ﺗﺒﻌﺪ ﻛﺜريا ً ﻋﻦ اﳌﺪﻳﻨﺔ‪.‬‬

‫‪RERA‬‬

‫وﻓﻘﺎً ﻟﻨﴩة ﺣﺪﻳﺜﺔ ﺻﺎدرة ﻋﻦ ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ اﻟﻌﻘﺎري )‪،(RERA‬‬ ‫اﳌﻄﻮرون اﻟﻌﻘﺎرﻳﻮن اﻟﺬﻳﻦ ﺗﺼﻞ ﺿﺪﻫﻢ ﺷﻜﺎوى ﻣﻦ ﺳﻮء اﻹدارة أو‬ ‫اﻹﻫامل ﺧﻼل اﻟﺴﻨﺔ اﻷوﱃ اﻟﺘﻲ ﻳﺪﻳﺮون ﻓﻴﻬﺎ اﻟﻌﻘﺎر‪ ،‬ﻟﻦ ﻳﺴﻤﺢ ﻟﻬﻢ‬ ‫مبﻮاﺻﻠﺔ اﻹدارة‪ .‬وﻓﻘﺎً ﻟﻬﺬا اﻟﺘﻌﻤﻴﻢ‪ ،‬وﰲ ﺣﺎﻟﺔ ﺣﺪوث ذﻟﻚ‪ ،‬ﺳﻴﺘﻢ‬ ‫ﺳﺤﺐ ﺳﻠﻄﺎت اﳌﻄﻮر‪ ،‬وﺗﻌﻴني ﺟﻤﻌﻴﺔ ﻣﻼك ﻣﺆﻗﺘﺔ )‪ (IAO‬ﻟﻺﴍاف‬ ‫ﻋﲆ ﺟﻮاﻧﺐ إدارة اﻟﻌﻘﺎر‪.‬‬ ‫وﻋﻼوة ﻋﲆ ذﻟﻚ‪ ،‬وﻳﻨﺺ اﻟﺘﻌﻤﻴﻢ ﻋﲆ أﻧﻪ ﺑﻌﺪ اﻻﻧﺘﻬﺎء ﻣﻦ اﻟﺴﻨﺔ‬ ‫اﻷوﱃ ﻣﻦ اﻟﻌﻤﻠﻴﺎت‪ ،‬ﻳﻀﻄﺮ اﳌﻄﻮرون إﱃ اﻟﺪﻋﻮة ﻟﺘﺸﻜﻴﻞ ﺟﻤﻌﻴﺔ‬ ‫ﻣﻼك ﻣﺆﻗﺘﺔ ﻗﺒﻞ أن ﻳﺘﻤﻜﻨﻮا ﻣﻦ اﳌﻄﺎﻟﺒﺔ ﺑﺮﺳﻮم ﺧﺪﻣﺎت إدارة اﻟﻌﻘﺎر‪.‬‬ ‫ﰲ ديب‪ ،‬ﻗﺎم اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﻄﻮرﻳﻦ ﺑﺈدارة ﻣﺸﺎرﻳﻌﻬﻢ ﻟﻌﺪة ﺳﻨﻮات ﺑﻌﺪ‬ ‫ﺗﺴﻠﻴﻢ اﳌﺸﺎرﻳﻊ إﱃ أﺻﺤﺎﺑﻬﺎ‪ ،‬دون ﺟﻤﻌﻴﺎت ﻣﻼك ﻣﺆﻗﺘﺔ‪ .‬إدارة‬ ‫اﻟﻌﻘﺎرات ﻫﻲ ﻣﺼﺪر دﺧﻞ ﻟﻠﻤﻄﻮرﻳﻦ ﺣﻴﺚ أﻧﻬﻢ ﻳﻄﻠﺒﻮن رﺳﻮﻣﺎً‬ ‫إدارﻳﺔ ﻟﺼﻴﺎﻧﺘﻬﺎ واﻟﺤﻔﺎظ ﻋﻠﻴﻬﺎ‪.‬‬ ‫اﻟﺘﻌﻤﻴﻢ‪ ،‬اﻟﺬي ﻳﺴﺘﻨﺪ إﱃ اﻟﻘﺎﻧﻮن رﻗﻢ ‪ 27‬ﻟﻌﺎم ‪ 2007‬اﻟﺬي ﻳﺘﻌﻠﻖ‬ ‫ﺑﺎﻟﻌﻘﺎرات ذات اﳌﻠﻜﻴﺔ اﳌﺸﱰﻛﺔ ﰲ ديب‪ ،‬ﻳﻠﺰم اﳌﻄﻮرﻳﻦ ﺑﺘﻘﺪﻳﻢ ﺗﻘﺎرﻳﺮ‬ ‫ﻣﺎﻟﻴﺔ إﱃ ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ اﻟﻌﻘﺎري ﺗﺤﺪد رﺳﻮم اﻟﺨﺪﻣﺔ ﻋﲆ ﻣﺪى‬ ‫اﻟﺴﻨﻮات اﻟﺴﺎﺑﻘﺔ‪ ،‬ﻣﻦ أﺟﻞ اﻟﺤﺼﻮل ﻋﲆ ﻣﻮاﻓﻘﺎت ﻟﻠﺮﺳﻮم اﻟﺠﺪﻳﺪة‬ ‫اﻟﻮاﺟﺐ اﺳﺘﻴﻔﺎؤﻫﺎ ﰲ اﻟﺴﻨﺔ اﻟﻼﺣﻘﺔ‪ .‬ورﻏﻢ أن ﺻﺪور ﻫﺬا اﻟﻘﺎﻧﻮن‬ ‫ﺟﺎء ﻣﺘﺄﺧﺮا ً‪ ،‬إﻻ أن أﺻﺤﺎب اﻟﻌﻘﺎرات ﻳﻮاﺟﻬﻮن ﺻﻌﻮﺑﺎت ﰲ اﻟﺴﻴﻄﺮة‬ ‫ﻋﲆ ﻣﺠﻤﻌﺎﺗﻬﻢ اﻟﺴﻜﻨﻴﺔ ﺣﻴﺚ أن ﺟﻤﻌﻴﺎت اﳌﻼك اﳌﺆﻗﺘﺔ ﻟﻴﺲ ﻟﺪﻳﻬﺎ‬ ‫اﻟﻮﺿﻊ اﻟﻘﺎﻧﻮين‪ ،‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻻ ميﻜﻦ ﻓﺘﺢ ﺣﺴﺎﺑﺎت ﻣﴫﻓﻴﺔ أو إﺑﺮام‬ ‫اﻟﻌﻘﻮد‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻓﻘﺪ ﺗﻢ اﻟﻌﻤﻞ ﻋﲆ ﺗﺼﺤﻴﺢ ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ‬ ‫اﻟﻌﻘﺎري ﻟﻬﺬه اﳌﺸﻜﻠﺔ ﻋﻦ ﻃﺮﻳﻖ ﺗﺤﻤﻴﻞ أﺳامء ﺟﻤﻌﻴﺎت اﳌﻼك‬ ‫اﳌﺆﻗﺘﺔ اﳌﻌﺘﻤﺪة ﰲ ﻧﻈﺎم " ُﻣ ﱠﻼك" اﻟﺨﺎص ﺑﻬﺎ ﻟﺘﻤﻜني ﻫﺬه اﻟﺠﻤﻌﻴﺎت‬ ‫ﻣﻦ ﻓﺘﺢ ﺣﺴﺎﺑﺎت ﻣﴫﻓﻴﺔ‪.‬‬ ‫اﻋﺘﺒﺎرا ً ﻣﻦ ﺷﻬﺮ ﻧﻮﻓﻤﱪ ﻋﺎم ‪ ،2013‬ﺳﺠﻠﺖ ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ اﻟﻌﻘﺎري‬ ‫ﺣﻮاﱄ ‪ 385‬ﺟﻤﻌﻴﺔ ﻣﻼك ﻣﺆﻗﺘﺔ وﻛﺎن ﻣﻦ اﳌﺘﻮﻗﻊ ﺗﺴﺠﻴﻠﻬﻢ ﰲ وﻗﺖ‬ ‫ﻻﺣﻖ ﰲ ﻧﻈﺎم ُﻣ ﱠﻼك‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬وﻗﻌﺖ ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ‬ ‫اﻟﻌﻘﺎري ﻣﺬﻛﺮة ﺗﻔﺎﻫﻢ ﻣﻊ ﺑﻨﻚ ديب اﻟﻮﻃﻨﻲ‪ ،‬واﻟﺬي ﻳﺴﻤﺢ ﺑﻔﺘﺢ‬


‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫أﻃﻠﻘﺖ داﺋﺮة اﻷراﴈ واﻷﻣﻼك )‪ (DLD‬اﻟﻌﻘﻮد اﻟﻌﻘﺎرﻳﺔ اﳌﻮﺣﺪة ﰲ‬ ‫اﻹﻣﺎرة‪ ،‬واﻟﺘﻲ ﺗﻬﺪف إﱃ اﻟﺘﻘﻠﻴﻞ ﻣﻦ اﳌﺸﻜﻼت اﻟﺘﻲ ﺗﻨﺸﺄ ﻋﻦ اﻟﻮﺛﺎﺋﻖ‬ ‫اﻟﺘﻲ ﻳﺴﺎء ﺗﻔﺴريﻫﺎ‪ .‬أدﺧﻠﺖ داﺋﺮة اﻷراﴈ واﻷﻣﻼك ﻫﺬه اﻟﻌﻘﻮد‬ ‫ﻟﻀامن ﺣﻘﻮق ﺟﻤﻴﻊ اﻷﻃﺮاف اﳌﺸﺎرﻛﺔ ﰲ أي ﺻﻔﻘﺔ ﻋﻘﺎرﻳﺔ ‪-‬‬ ‫اﳌﺸﱰﻳﻦ‪ ،‬اﻟﺒﺎﺋﻌني واﻟﻮﺳﻄﺎء‪ .‬ﺑﺪءا ً ﻣﻦ ‪ 1‬ﻣﺎﻳﻮ‪ ،‬وﺳﻮف ﺗﺼﺒﺢ ﻫﺬه‬ ‫اﻟﻌﻘﻮد اﻟﺠﺪﻳﺪة إﻟﺰاﻣﻴﺔ‪.‬‬ ‫ﻛام أن اﻹﺟﺮاء اﻟﺠﺪﻳﺪ ﺳﻮف ﻳﻌﻤﻞ ﻛﺬﻟﻚ ﻋﲆ ﺗﴪﻳﻊ ﻋﻤﻠﻴﺎت ﺑﻴﻊ‬ ‫وﴍاء اﻟﻌﻘﺎرات ﻷﻧﻪ ﺳﻮف ﻳﺴﻬﻞ إمتﺎم ﻋﻤﻠﻴﺔ اﻟﺘﺴﺠﻴﻞ دون اﻻﻋﺘامد‬ ‫ﻋﲆ وﻛﻴﻞ‪ .‬وﺳﻮف ﻳﻀﻢ ﻣﻮﻗﻊ ﺳﻮق ديب اﻟﻌﻘﺎري اﻹﻟﻜﱰوين منﺎذج‬ ‫ﻣﻦ ﺛﻼﺛﺔ أﻧﻮاع ﻣﺨﺘﻠﻔﺔ ﻣﻦ اﻟﻌﻘﻮد ‪ -‬ﺑني اﻟﺒﺎﺋﻊ واﳌﺸﱰي )‪ ،(F‬ﺑني‬ ‫اﳌﺸﱰي واﻟﻮﺳﻴﻂ )‪ (B‬وﺑني اﻟﺒﺎﺋﻊ واﻟﻮﺳﻴﻂ )‪ - (A‬اﻟﺘﻲ ميﻜﻦ‬ ‫ﺗﺤﻤﻴﻠﻬﺎ ﻣﻦ اﳌﻮﻗﻊ وﻣﻠﺆﻫﺎ وﺗﻮﻗﻴﻌﻬﺎ ﻣﻦ اﻟﻄﺮﻓني‪ .‬ﺳﻴﺘﻢ اﻋﺘﺒﺎر اﻟﻌﻘﺪ‬ ‫ﻣﻜﺘﻤﻼً رﺳﻤﻴﺎً مبﺠﺮد اﻟﻘﻴﺎم ﺑﺘﺴﺠﻴﻠﻪ وﺗﻮﺛﻴﻘﻪ ﰲ داﺋﺮة اﻷراﴈ‬ ‫واﻷﻣﻼك‪.‬‬

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HAPPY NEW YEAR 2014 Valoran Real Estate Brokers


RERA

2014

- 16

84.1 2020

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2008 35

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Prepared by: Alpha & Beta FZE

VALORAN MEMBER

www.valoran.ae

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April 2014 - eZine  

VALORAN REAL ESTATE BROKERS - Monthly Real Estate Magazine published and distributed directly to property owners and investors.