August 2014 - eZine

Last Month at a Glance

International Real Estate News

Lifestyle

Issue No. 20 - Aug 2014

New Zealand International property market

Latest From the Economy

Dubai Freehold Property

Jumeirah Village International Property Markets

International Property Markets - New Zealand Real Estate Investing Lessons

Lesson 18: Protecting Your Property – Insurance and Risk Management

Prepared by: Alpha & Beta FZE

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News Digest

Last month at a glance

The real estate market in Dubai continued to experience growth in the second quarter of 2014, largely due to the positive performance of the retail and hotel sectors, according to the latest report by JLL. While prices continued to rise in the residential sector with most areas in Dubai recording moderate increases, there are signs of the pace slowing down. The volume of home sales decreased in the second quarter with the lowest activity recorded in the secondary villa market.

Data from the Dubai Land Department (DLD) showed that while sales volumes had declined across all sectors, villa sales experienced the highest drop of around 50 per cent in May 2014 compared to May 2013.

Dubai’s continued economic growth has contributed to improving business confidence, which in turn has increased the demand for commercial space. However, with the market

spread across different submarkets and performance dependent on the location, type of ownership, licence structure and quality, vacancy rates and future supply, growth in this sector is constrained. Large occupiers prefer to move to new spaces customized to their requirements instead of looking at suboptimal office space in existing buildings. As a result, vacancy rates in the office sector are quite high at around 25 per cent.

In the retail sector, the sentiment is positive. The recent announcement of the Mall of the World that will be twice as large as the Dubai Mall is an indication of the continued interest from retailers.

The highest increases in rent have been recorded in the super regional malls (almost 12 per cent).

Smaller retail centres and secondary malls also recorded increases, albeit at a more modest pace.

In the hotel sector, the market continued to grow and recorded a 6-year high in Rev-Par level, despite www.valoran.ae

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the addition of approximately 1,500 new rooms to the stock in Q2 of 2014. Average occupancies continued to be around 85 per cent during May 2014. At present, with hotel room rates having increased over past three years to reach AED 1,013, Dubai is one of the best performing markets in the world.

Dubai Rentals: The Most

As per recent data compiled by Asteco, the priciest areas in Dubai in terms of rentals are those near Sheikh Zayed Road or the commercial centre, while the cheapest places are International City and Deira. The report covered 10 apartment locations in Dubai, but did not include peripheral communities such as Al Nahda, where rentals might be more affordable.

International City, which is around 17km away from Dubai Mall, offers the cheapest rentals with studios in the community available for around AED 35,000 to AED 43,000 per annum. Deira was the next most affordable location where rents for a studio are between AED 38,000 and AED 50,000.

For tenants with a slightly larger budget, studios in Jumeirah Village are available from AED 50,000 to AED 60,000, while those at Discovery Gardens priced at AED 52,000 to AED 57,000 are another option.

The prime area for rentals is in and around Downtown Burj Khalifa, in close proximity to the popular shopping district at Dubai Mall.

Jumeirah Beach Residence (JBR), which offers the opportunity of beachfront living, is another expensive area. In both these areas, average rents for studio apartments are around AED 82,500 per annum. Studio apartments along Dubai Marina and Sheikh Zayed Road are slightly cheaper, averaging around AED 80,000 per year.

Across the city, apartment rental rates continued to rise in the second quarter of 2014, with increases ranging from 1 per cent to 10 per cent.

In terms of year-on-year growth, apartments 4

along Sheikh Zayed Road, where the city’s most expensive apartments are located, rose by 22 per cent. In comparison, the highest increase in rental rates in the city was in International City where rents recorded 66 per cent year-on-year growth.

Other areas with significant yearly increases in rental rates included JLT apartments (54 per cent), Deira (49 per cent) and residential units in Dubai Marina (45 per cent).

against Bubble With a bullish trend prevailing in the market, especially among developers, real estate in the UAE continues to grow despite the recent warning from the International Monetary Fund (IMF).

Based on data from Reidin, apartment rental rates in the UAE property market have increased by around 30 per cent. Several large projects are under construction, among which the most ambitious one is the temperature - controlled Mall of the World. The development by Dubai

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Holding will be the world’s largest mall spread over 743,000 square meters that will be connected to approximately 100 hotels.

The China State Construction Engineering Co has won contracts for building two new hotels, which will be five-star resort hotels on adjoining plots in Palm Jumeirah.

Each hotel will be around 100,000 square meters, and together they will have 592 standard rooms in addition to a presidential suite and luxury bay suites.

Although the IMF had recently advised the UAE authorities to put in place cooling measures that would reduce the possibility of a property bubble like the one that coincided with the global financial crisis of 2009, a number of new projects are under progress, which are aimed at meeting the demand of Dubai World Expo 2020. Several foreign developers are anticipating a rise in traffic and demand, as the UAE gears up for the Expo and are putting up projects to attract wealthy investors based in the Middle East.

As part of the first phase of the project, the developer is seeking tenders from contractors for making coastal improvements for 21 kilometers of beachfront that include breakwaters, quay walls and land reclamation.

In response to a recent IMF report outlining control measures, including hiking property registration fees, for protecting the real estate market in Dubai, the DLD Director General, Sultan Butti Bin Mejren clarified that the DLD has no plans of increasing registration fees.

The master community will feature 1,000 villas, including 100 luxury serviced residences, besides retail and recreation facilities. Located within 10-minute driving distance from Burj Khalifa, the project has an estimated construction value of AED 2.5 billion and is expected to be completed in 2016.

Sale Price [ USD/SQF ] 750

4

500

June 2014: Dubai – USD 406/SQF

250 0

Rental Price [ USD/SQF ]

June 2014: Abu Dhabi – USD 388/SQF

2005 Dubai

2010 Abu Dhabi

reiding.com

3

June 2014: Dubai – USD 2.29/SQF

2 June 2014: Abu Dhabi – USD 2.17/SQF

1

2005 Dubai

2010 Abu Dhabi

2014 reidin.com

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Latest from the economy

In the first half of 2014, Dubai’s annual inflation rate touched 2.74 per cent, as per data from the Dubai Statistics Center (DSC), recording a significant increase from 1.6 per cent during the first half of 2013. Rents and utility costs, which account for close to 44 per cent of consumer expenses, were responsible for the largest contribution to the rise in prices. Together they accounted for 4.58 per cent year-on-year increase and rose 0.2 per cent month-on-month from May 2014.

In the housing sector, the increase was largely caused by rents, which rose by 5.03 per cent in the first half of the year. Gas prices increased by 11.89 per cent during the same period. Other consumer expenses that increased in the first six months included cost of education (4.43 per cent), food and non-alcoholic beverages (3.36 per cent) and household equipment and household maintenance (2.53 per cent).

6

Just recently, the IMF had forecasted that inflation would rise in the UAE due to higher rents. As per IMF estimates, the Middle East nation’s inflation would be 2.2 per cent in 2014 and 2.5 per cent in 2015. It warned that the increased activity in the real estate sector, especially the residential market, would result in speculative demand that could cause inflationary pressures to mount.

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Analysts opine that with the increased momentum in the country’s economic growth, which has boosted activity in the real estate and construction sector, housing costs would be the main contributor to the inflationary trend.

However, in the future, increasing demand could also drive up input prices.

On Monday, July 21st, the UAE stock markets recovered strongly with the Dubai Financial Market Index (DFM) improving by 2.5 per cent, closing at 4,724.95. During the same period, the Abu Dhabi Securities Exchange (ADX) increased by 1.48 per cent to reach 4,987.83.

Federal Bonds by 2018 In order to help the nation’s banks adhere to global liquidity rules, the UAE might bring out its first-ever federal government bonds before 2018.

A senior Ministry of Finance official stated that feasibility studies had already been commissioned to analyse this. At present, UAE banks, including Emirates NBD and National Bank of Abu Dhabi can buy dirham-denomination government debt for meeting liquidity requirements. However, this practice needs to be phased out for meeting the liquidity rules prescribed by the Basel III standards for global banking.

For the past five years, the much-awaited public debt law has been in consultation within the government. Until this is brought out, the possibility of issuing federal sovereign bonds remains impossible. The Ministry of Finance is working with the central bank to expedite the law, which would allow domestic lenders to adhere to the liquidity rules of Basel III. Once the law is passed, the central bank would have the authority to issue short-term treasury bills on behalf of the government, for managing liquidity in the banking system. In addition, the issuance of long term bonds could also help to fund development projects of the federal government, which currently gets the majority of its funding from Abu Dhabi. However, with the feasibility studies still being work in progress, no date can be confirmed for the issuance of government bonds.

The recovery was especially notable in the DFM, which had plunged 5.99 per cent on Sunday, mainly due to a drop in the price of Arabtec by 9.9 per cent. On Monday, the company’s stock continued to be the leader among traded stocks in terms of value, accounting for 54 per cent of the total value of shares traded on the DFM. Over AED 1.5 million worth of shares of the company were traded, despite a fall of 1.79 per cent in its overall value. The company’s shares, which started the day at AED 4.1, maintained stability until midday after which it increased steadily to close at AED 4.38. www.valoran.ae

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Among the companies that recorded high gains during the day were Deyaar Developments (7.63 per cent) and Union Properties (7.61 per cent).

Gulf Finance House rose by 2.78 per cent, while Emaar shares inclined by 1.89 per cent.

In Dubai, 31 stocks were traded during the day, of which 26 inclined, 1 remained stable and 4 declined. In comparison, the ADX had 34 stocks traded of which 22 rose, 5 remained stable and 7 declined.

The Minister of Economy, Sultan Saeed Al Mansouri, announced to the Federal National Council that the UAE is working towards increasing emiratisation of the insurance industry to 15 per cent by next year. At present, Emiratis comprise 8.9 per cent of the insurance industry’s workforce, accounting for 768 of the total 8,590 workers employed in the industry. The proposed increase

8

would be a hike of almost 100 per cent over a year.

In future, licences for insurance companies will be granted only if they meet the criteria of employing Emiratis to fill up at least 15 per cent of their workforce. Additionally, the ministry would not tolerate the practice of bogus Emiratisation by companies that followed the practice of showing Emirati hiring only on paper for meeting the quotas prescribed by the government.

In national businesses, Emiratis accounted for 8.8 per cent of the workforce in 2013, while the share in foreign companies was 9.8 per cent. The UAE government has plans to raise the number of nationals employed in the private sector by ten times by 2021, if necessary, with the introduction of new regulations in the labour market to make this happen.

At present, of the total population of nine million in the UAE, less than 15 per cent are UAE nationals, and of this over two thirds of the Emiratis are employed in the public sector. The government is working towards easing the pressure on the state finances through diversification of the economy and ensuring that more of its citizens are employed in the private sector.

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Dubai Freehold Property Jumeirah Village Developed by Nakheel and located in the centre of New Dubai, off Sheikh Mohammad Bin Zayed Road and Al Khail Road, Jumeirah Village is a community with over 6,000 villas and townhouses built with a blend of classic Arabian or Mediterranean architectural styles. The development is surrounded by greenery, including parklands and lakes, and also has schools, retail units and community centres located within the premises, offering residents the benefits of selfsustained community living. The development has over 2,883 residential villas developed by Nakheel that range from two-bedroom homes to four-bedroom homes, besides 3,184 townhouses that come with either one or two bedrooms. In

addition, there are some apartment and villa projects from other developers located within the community.

The villas and town houses in the community are spread over two distinct zones - Jumeirah Village Circle and Jumeirah Village Triangle. The development has eight themed areas – Gateway Village, Canal Village, Garden Village, Lake Village, Marina Village, Paradise Village, Wadi Village and Waterscape Village. The villages are linked with one another through a series of landscaped areas and canals. Some of these themed areas have retail, recreation and entertainment facilities that come together to provide an environment where

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residents can enjoy a premium lifestyle within the community. Gateway Village, which takes centre stage in the development, has facilities for retail and leisure, while Paradise Village and Marina Village present the opportunity for maritime activities and even have a berth, where small boats can be docked.

The sectors are connected by a network of waterways with small parks interspersed along the way, which are perfect for recreation. Some of the parks have play areas for children. The large park in Gateway Village has a botanical garden and an amphitheatre that leads to the souk. The centre of attraction at the park is the Sunrise Viewing Pavilion. From the central park, three wadi walks lead to smaller parks and can also be used as walking or biking trails. Other facilities that add to the self-sustained nature of the development include two international schools, recreational clubs, jogging and cycling trails, sports facilities, including pitches for football and cricket, tennis courts, swimming pools, medical clinics and veterinary clinics.

Being in the heart of New Dubai, Jumeirah Village is also close to Dubai’s famous shopping malls such as Dubai Marina Mall, Mall of Emirates, Ibn Battuta Mall and Dubai Pearl Mall. Residents in the community have easy access to leading international schools in the city, including Dubai British School, GEMS World School, Dubai International Academy and Emirates International School Meadows. Healthcare centres in the vicinity include Welcare Ambulatory Care Centre and Life Medical Centre.

Jumeirah Village Triangle The majority of the residences in Jumeirah Village Triangle are large villas. In addition, there are townhouses and apartments. Besides the Arabian and Mediterranean villas and townhouses developed by Nakheel, the other apartment and villa projects in the community include Green Park by Damac Properties that has studio, onebedroom, two-bedrooms and duplexes, and Silver Stallion Towers by Stallion Developments, which has residential and commercial units, including one-bedroom, two-bedrooms, three-bedrooms and duplexes. Besides this, Pacific Ventures is developing two apartment towers – Pacific Edmonton and Pacific Residencia.

Over 84 per cent of the residences in Jumeirah Village Triangle are villas. The average sale price for villas in the community is AED 3,222,073 ranging from a minimum price of AED 1,490,000 to a maximum of AED 4,850,000. For apartments, the average sale price is AED 1,331,559 ranging from AED 585,000 for the smallest studio to AED 3,795,000 for a 5-bedroom apartment.

Villas rentals in the community average AED 168,824, ranging between AED 110,000 and AED 280,000 per annum, while apartment rentals are lower at an average price of AED 98,550 per annum. The lowest rental price is AED 45,000 per annum for a studio, while the highest rental price is AED 255,000 for a 5-bedroom unit.

4BMF 1SJDFT Villa Avg. Price: AED 3,222,073 Price Range: AED 1,490,000 - AED 4,850,000

PrPpertZ types

t Villa t Apartment

Source: propertyfinder.ae

10

3FOUBM 1SJDFT

Apartment Avg. Price: AED 1,331,559 Price Range: AED 585,000 - AED 3,795,000

PrPperUJFT bZ bFE rPPNT

t 4UVEJP t bed t bed t bed

t bed

t bed

Villa Avg. Price: AED 168,824 Price Range: AED 110,000 - AED 280,000

PrPpertZ types

t Villa t Apartment

t bed t bed

Source: propertyfinder.ae

Apartment Avg. Price: AED 98,550 Price Range: AED 45,000 - AED 255,000

PrPperUJFT bZ bFE rPPNT

t bed

t bed

t bed

t 4UVEJP

t bed

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

This sector of Jumeirah Village also has a combination of villas and apartments, including Diamond Views, which consists of 1,000 apartments and 112 town houses, developed by Diamond Developers, in four clusters of apartment buildings with ground plus four floors having a combination of studio, one, two and three bedroom apartments. Emirates Gardens by Damac is another low rise apartment development located in Jumeirah Village Circle with studio, one, two and four bedroom units. The community also has a four-bedroom villa project, Indigo Ville, which is developed by Indigo Properties.

190,000 per annum, while apartment rents are between AED 45,000 for studios to AED 140,000 for larger four or five bedroom apartments.

4BMF 1SJDFT Villa Avg. Price: AED 3,138,085 Price Range: AED 950,000 - AED 6,998,970

PrPpertZ types

t Villa t Apartment

Approximately 73 per cent of the residences in Jumeirah Village Circle are apartments, ranging from studios to seven bedroom units. The average sale price of an apartment in the community is AED 1,049,782, with the lowest priced studio at around AED 361,200 and the most expensive seven bedroom unit at around AED 10,049,700.

The average sale price of villas is AED 3,138,085, ranging from AED 950,000 to AED 6,998,970.

Rental prices in Jumeirah Village Circle average AED 69,731 for apartments and AED 158,861 for villas. Villa rents range from AED 110,000 to AED

Apartment Avg. Price: AED 1,049,782 Price Range: AED 361,200 - AED 10,049,700

PrPperUJFT bZ bFE rPPNT

t 4UVEJP t bed t bed t bed

t bed

t bed

t bed t bed

Source: propertyfinder.ae

3FOUBM 1SJDFT Villa Avg. Price: AED 150,051 Price Range: AED 110,000 - AED 190,000

PrPpertZ types

t Villa t Apartment

Apartment Avg. Price: AED 69,731 Price Range: AED 15,000 - AED 140,000

PrPperUJFT bZ bFE rPPNT

t bed

t bed

t bed

t 4UVEJP

t bed

Source: propertyfinder.ae

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International Real Estate News

lower than the 5.16 million unit level recorded a year ago.

The latest index from the National Association of Realtors (NAR) indicated that home sales in the US grew by 2.5 per cent in June 2014 to reach a yearly pace of 5 million for the first time since October 2013. It was also the 28th consecutive month that home prices recorded year-on-year gains. In June, the median home price for all categories was $223,300, which was a year-on-year increase of 4.3 per cent from June 2013.

With increasing inventory contributing to a rise in overall supply, trends point to a more balanced market. However, sales at 2.3 per cent were still

12

NAR Chief Economist, Lawrence Yun said that with inventories being at the highest level in more than a year and price increases slowing down, the scenario was a sign that home sales would improve over the next few months due to more choices available to consumers. However, he indicated that new home construction would also have to rise by around 50 per cent in order for the market to be perfectly balanced, particularly with the supply shortages in the West that were adding to the upward pressure on home prices.

While the economy was picking up with an average of 230,000 jobs being added per month,

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

the stagnancy in wage growth was preventing a stronger pace of home sales. Due to the low supply, a large percentage of potential home buyers have been unable to capitalise on the low interest rates.

With total housing inventory increasing by 2.2 per cent in June, 2.3 million existing homes were available for sale, representing five-and-ahalf month supply at the current pace of sales.

Compared to a year ago, when there were 2.16 million existing homes on the market, unsold inventory was 6.5 per cent higher in June 2014.

Distressed home sales – both foreclosures (8 per cent) and short sales (3 per cent) – comprised 11 per cent of the transactions in June. This was a decline of 15 per cent from June 2013. Prices of foreclosures and short sales were 20 per cent and 11 per cent below the market value, respectively.

Sales of single family homes increased by 2.5 per cent with the median price of a single family home at $224,300 in June – an increase of 4.5 per cent year-on-year. Sales of existing condominiums and co-op units rose by 3.4 per cent with prices for a condo averaging $215,700 in June 2014, which was a rise of 3.2 per cent compared to June 2013.

Ever since it was listed among the top 10 countries in the world that have the potential for long term tourism growth, the real estate investment market in Cape Verde has been set to get a boost. The country, which is located off the coast of West Africa and is referred to as the African Caribbean, has seen a surge in tourist arrivals by 115 per cent since 2000. This year, officials estimate that the numbers could touch 1 million.

Data from the World Travel and Tourism Council indicate that in 2013 around 16.2 per cent of the country’s GDP came from the travel and tourism sector, and the sector’s contribution is expected

to rise to 20 per cent of the GDP by 2024. These figures put the country in 40th place (among 184 countries) for 2014 growth forecasts and 10th in terms of long term growth potential over the next decade. In 2013, around 32,000 jobs were supported by the travel and tourism sector, accounting for 14.5 per cent of total employment.

In 2014, this figure is expected to double to 64,000 jobs that would add up to 23.3 per cent of the country’s total employment.

The interest shown by global hotel chains is proof of the country’s tourism potential. Recently, Hilton laid the foundation for a project on Sal Island. The proposed 240-room hotel is the global chain’s first project in Cape Verde and is worth €46 million.

Spanish hotel chain, Melia has four projects of which some are completed and others under development. The first of these – Melia Tortuga Beach has welcomed over half a million guests since it opened in 2011. The chain’s Melia Dunas Beach Resort is expected to open later this year, while a third project – Melia Llana Beach will be ready for guests in 2016. The fourth project, which is currently being marketed by the chain, will open in 2018 and will earn investors 7 per cent returns right from day one. With an investment of £10,000 investors will get ownership of one-sixth of an off plan garden room or premium hotel room that will return 7 per cent guaranteed interest for either four years or until the resort opens, whichever is earlier. After completion, the unit will become part of a rental programme with annual returns payable to the investor. At present, Melia Tortuga Beach, which also has a similar rental programme, offers buyers 6 to 9 per cent returns per annum.

Additionally, investors are offered a buy-back option at open market value three years after the hotel opens.

Due to its latitudinal location being similar to that of Barbados in the Caribbean, Cape Verde has year round sunshine and an average temperature of 27ºC. With a mix of beautiful beaches and mountains, it has a lot to offer tourists. Currently, over 40 international flights operate to the islands every week. The archipelago’s political and economic stability increases its attractiveness as a tourist destination. www.valoran.ae

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Lifestyle

Armani Announces New Tower in Florida The Armani Group announced their first ever residential project in the U.S. – The Residences.

Dezer Development and The Related Group will be partners in this development, which will feature a 60-storey oceanfront tower. Located on Collins Avenue in Sunny Isles Beach, Florida, the highrise development will be designed by Cesar Pelli the Argentinian-born architect who is famous for iconic creations, including the Petronas Towers in Malaysia.

The Residences by Armani/Casa will be built on the same lines as existing Armani/Casa properties in various cities around the world, such as Macka Residences in Istanbul. The project will have a total of 260 luxury residences and will capture the aesthetic design sense of Giorgio Armani, without compromising on functionality and comfort. The project is expected to be completed in 2016.

Monaco V4 Tourbillon Celebrating the 10th anniversary of the introduction of the first Monaco V4 – a watch that used a belt-driven power train instead of gears – TAG Heuer released a special edition Monaco V4 enhanced with a Tourbillon.

The company has long been associated with Formula 1 racing and has been the official timekeeper of the McLaren team for close to three decades. The belt-driven feature was aimed at serving as a recollection of this association as it brings to mind the belts in a race car’s engine.

The challenge was to create an extremely thin and strong mechanism, and this was finally achieved through utilizing a laser-cut polymer. The new model has an added tourbillon that is driven by a belt system, which results in smoother rotation.

Similar to the previous models of the watch, the Monaco V4 Tourbillon has four barrels placed on its main plate, which is a visual reminder of a car’s

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Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

engine cylinders. In traditional watches, a rotor is used to rewind the barrels, but the new model has a linear sliding weight that moves back and forth with the natural movements of the hand.

The energy generated from this movement is then collected and stored in the barrels.

join the fray is Silicon Valley based Oppo Digital.

The company, which is considered a value leader in the industry, is best known for its BDP-105 Universal Disc Player, which has received several awards for its ability to pack up to four hi-fi source units into one box.

The Monaco V4 Tourbillon is available only by special order and costs $165,000.

Now, with the release of the PM-1 Headphones, the company is making an entry into the headphones segment. The PM-1 Headphones, which is priced at $1,099, is similar to units of competitors such as Audeze and HiFiMan. However, Oppo’s headphones use a magnetic driver system that utilizes the finite-element method to assist in stabilizing frequency response. In addition, the PM-1 Headphones are also easier to drive with a smartphone or a portable music device as it uses double-sided, seven layer diaphragm drivers that present a superior efficiency when compared to similar headphones. When paired with the dedicated HA-1 Headphone Amplifier, PM-1 Headphones offer an unmatched listening experience.

The HA-1 Amplifier, which is priced at $1,199, has an in-built digital-to-analog (DAC) and allows Bluetooth streaming for wireless playback from mobile devices. Listeners can play a range of standard or high-resolution music files from a variety of input sources, including USB, XLR, RCA, AES/EBU and S/PDIF.

Oppo Digital Hi-fi personal listening experience seems to be the new trend among audiophiles. Over the last few years, several manufacturers of audiophile-grade equipment have released premium headphones paired with headphone amplifiers. The latest to www.valoran.ae

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International Property Markets New Zealand

Since it started recovering in 2011, New Zealand’s property market has been growing steadily and keeping pace with the modest economic growth that has been taking place since the recession in 2007-2008. Home prices have been increasing, with growth recorded in 11 out of the 12 regions in the country. Residential property prices rose by 9.2 per cent during the first quarter of the year, as per Knight Frank’s Global Housing Price Index ending March 2014, placing the country 11th in the world in terms of price growth.

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Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

In the office segment, growth has been slow compared to the early years of the millennium.

However, with the improvement in the economic environment, business confidence will get a boost, which could fuel an increase in demand for office space. Statistics from the Organization for Economic Cooperation and Development (OECD) indicate the country’s projected GDP growth rate of 3.5 per cent will result in the strongest economic performance since 2007.

Foreigners face no restrictions in purchasing home property in New Zealand. However, owning property does not necessarily come with the right to set up permanent residence in the country. No clearance is required for properties valued under NZ$10 million, whereas foreigners have to apply for clearance from the Overseas Investment Office for buying certain types of properties, including land on islands, in heritage areas or in natural reserves as well as land exceeding 0.4 hectares near lakes and seashores. Clearance is also mandatory for purchasing agricultural property larger than 5 hectares or valued over NZ$10 million.

Transaction costs for property purchase is relatively low in New Zealand, averaging between 4.25 per cent and 5.74 per cent.

Wellington, New Zealand

Transaction Costs Who Pays?

Registration Fee

NZ$80 (US$70)

Buyer

Converyancer Fee

NZ$1,500 (US$1,304)

Buyer

Real Estate Agent’s Fee

3.5% - 4% (+ 12.5% GST)

Seller

Costs paid by buyer

0.21% - 0.74%

Costs paid by seller

4.04% - 5.00%

Roundtrip Transaction Costs

4.25% - 5.74%

Source: Global Property Guide

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Residential Market According to data from the Real Estate Institute of New Zealand (REINZ), the national median price for residential real estate was NZ$427,250 in June 2014 – an increase of NZ$33,250 compared to June 2013 and a growth of 8.4 per cent. Price performance was the best in Auckland as well as the Canterbury/Westland regions. Since 2007, the national median price rose by 23 per cent and only Auckland and Canterbury/Westland exceeded the increase, recording 35 per cent and 34 per cent respectively.

However, sales have been falling over the last few months. In June 2014, 5,763 residential sales were transacted, which was a 12.3 per cent drop since the previous month. The onset of winter affects home sales and after seasonal adjustment, the decline in sales was 1.9 per cent, but it was still 9.8 per cent lower than in June 2013.

In terms of prices, the national median house price dropped marginally by 0.6 per cent (NZ$2,750) from NZ$430,000 in May 2014. Eight regions across the country recorded increases in the median house prices, with the largest increase coming from Auckland, which accounted for 68 per cent of the increase. Along with Canterbury/Westland and Waikato/Bay, which contributed to increases of 23 per cent and 9 per cent, respectively, the three regions were responsible for the total increase in median price from June 2013 to June 2014.

During the year ending June 2014, the total value of residential property sales across New Zealand was NZ$39.582 billion. An analysis of the various categories of properties sold shows that there was a 17.3 per cent drop in the sale of homes valued under NZ$400,000 from June 2013 to June 2014.

In comparison, the remaining categories dropped by 6.1 per cent. The decrease in sales of homes under NZ$400,000 is attributed to new rules by

Change in Median Prices June 2007 - June 2014

700,000

Mediam Price

600,000 500,000 400,000 300,000 200,000 100,000

Source: Real Estate Institute of New Zealand (REINZ)

18

JUNE 2007

Southland

Manawatu / Wanganui

Northland

Hawkes Bay

Otago

Wellington

Waikato / BOP

Nelson / Marlbrough

Central Otago Lakes

Taranaki

Canterbury/Westland

Auckland

New Zealand

0

JUNE 2014

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

LaSalle, during the second quarter of 2013, vacancy rates in the city dropped by 1.2 per cent to reach 9.3 per cent by the end of the year. More than 29,000 square meters of office space was absorbed during this period. The majority of the absorption took place in the CBD, with occupiers looking at leasing the last available quality space in the city. Demand continued to remain high with very little new supply on the horizon. Only two new buildings – one on Victoria Street and the other being the new headquarters of Fonterra in Wynyard Quarter – were expected to be added to the office stock. Both properties are expected to be completed by the end of 2015.

the Reserve Bank of New Zealand that came into effect in October 2013, laying down restrictions on high loan to value (LTV) lending.

In terms of rental yields, the maximum rental demand is in Auckland. Apartments in the city fetch yields in the range of 5.44 per cent to 9.14 per cent, and smaller apartments attract higher yields compared to larger units. Rental yields are also good in the capital, Wellington, ranging from 6.18 per cent to 6.94 per cent. As per a report from Westpac, the gross yields in Auckland, Wellington and Christchurch were 4.9 per cent, 6.3 per cent and 5.4 per cent, respectively.

The increased demand and a drop in vacancy rates present the opportunity for rental growth in Auckland. Rents remained stable on a quarter on quarter basic compared to Q1 of 2014. However, in the CBD, prime rents increased by 0.9 per cent.

With very little new supply coming into the market for the next year, rents could continue to rise.

Based on sales data from REINZ, Auckland was the leader in terms of capital gains, with twobedroom apartments earning an average of 11.1 per cent capital gains in the twelve months ending December 2013. Christchurch fared second best with 9.5 per cent gains.

Due to strong economic fundamentals and increased business confidence leasing activity in the Auckland office market witnessed increased absorption. As per research from Jones Lang

Value of Residential Properties Sold – June 2013 to June 2014 June 2014

$1 million plus

June 2013

406

7.0%

341

5.6%

$600,000 to $999,999

1,159

20.1%

1,090

17.8%

$400,000 to $599,999

1,615

28.0%

1,579

25.7%

Under $400,000 All Properties Sold

2,583

44.8%

3,125

50.9%

5,763

100.0%

6,135

100.0.%

Source: Real Estate Institute of New Zealand (REINZ)

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Nationwide Rental Performace - 2 Bedroom Apartments Suburb (Region) Wellington Christchurch Aukland Source: Westpac

20

Median Weekly Rent

Estimated Valuation (2013)

Gross Tield

Capital Gain

Yield + Gains

$413 $307 $419

$3,41,000 $2,98,000 $4,42,000

6.3% 5.4% 4.9%

0.4% 9.5% 11.1%

6.7% 14.8% 16.0%

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Outlook With the stable economy and low transaction costs, investment in New Zealand’s property market is likely to bring good returns from rentals as well as in the form of capital gains. From an investor’s perspective, while rental income tax in New Zealand is on the higher side, ranging between 10.5 per cent and 33 per cent, capital gains are not taxed. In addition, property does not come under the purview of inheritance tax.

As one of the countries with a property market that emerged out of the recession relatively unscathed, New Zealand is considered a safe haven for property investments. However, with rising prices and interest rates, there is a concern that the country’s property market may be facing a bubble.

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Real Estate Investing Lesson 18

Protecting Your Property – Insurance and Risk Management Purchasing and renting a property can earn returns that the property owner can enjoy. However, it is prudent to take measures for reducing the risks associated with ownership. Having a risk management plan in place for taking care of potential financial losses that might arise can work in your favour. Risk management goes beyond merely having an insurance policy. It involves regular maintenance of the property, proper recordkeeping and coverage against activities or any other liability that might arise.

22

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

In this lesson, we look at the steps involved in creating a good risk management plan and also provide some tips on figuring out the best type of insurance for the property.

It’s wise to listen to the tenant’s complaints, document them and take steps to address the issues. A quick response to complaints can work in the favour of the landlord as it reduces the chances of damages caused by negligence.

Many people buy properties with the idea of renting it out and earning income from it without realising the risks associated with it, until they are faced with law suits or demands for damages, which they cannot afford. Most issues arise due to personal injury or damage to property of the tenant. Taking steps to identify and minimize these risks can reduce the potential threat of being sued for damages.

If you use a property management firm to take care of the maintenance of the property, it’s possible to transfer the risk to them so that you are not named in a lawsuit. Most licensed contractors and suppliers have their own insurance coverage, which can be extended to cover work done on your property. Ensure that the documentation is in place for this.

Here are some ways in which this can be done:

Some features in the property can pose as a potential risk even if the likelihood of something happening seems remote. Slides or diving boards in the swimming pool, flimsy ladders that lead to roof top terraces and low balcony walls can be just some of the features that present the possibility of an accident. Removing these features can straight away reduce the risk of things going wrong.

– Having a schedule for inspecting the property regularly can help in identifying potential risks and initiating the necessary repairs before it reaches a critical stage.

Maintaining a copy of the inspection report or documenting the issues will serve as proof in the event of any health and safety problems that might arise in the future.

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In spite of trying to address every little detail to prevent mishaps or accidents, occasionally a tenant could suffer damages due to circumstances beyond your control. Having the right type of insurance is essential for minimising your personal financial liability in the event that such a thing does happen.

Insurance is an essential tool for protecting against any reduction in the wealth that your property generates. When analysing the different types of insurance available for your property, it’s easy to get carried away by the agent’s sales pitch and end up paying more than you have to. While it might seem like a good idea to get coverage against everything possible, it also means that the premium payable will increase considerably.

Understanding the different types of insurance coverage will help in working out the right mix that is specific to your property.

Most insurance policies come with some liability coverage. The most common coverages are Basic, Broad-Form and Special-Form. A basic coverage

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package usually includes damages to the property caused by events such as fire, explosion, thunderstorms, vandalism and other similar events specified in the policy. Broad-Form coverage offers certain additional coverage over the basic policy. This might include glass breakage, water damage, falling objects or collapse caused by specified events. Special Form coverage includes a wider range of possible losses. It usually offers the highest range of coverage and covers anything other than exclusions mentioned in the policy.

However, it is far more expensive than the other two common coverage packages.

Typically, insurance companies reimburse losses faced by the property owner by paying the actual cash value of the replacement cost of the property after deducting depreciation. Most standard policies only offer actual cash value replacement.

The other type of reimbursement is replacement cost value, which does not deduct depreciation.

While this type of coverage is slight more expensive than actual cost value, it’s worth the additional expense as the owner gets complete reimbursement of the amount spent in replacing or repairing the property.

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Besides the regular coverage offered by policies, getting additional insurance to cover any excess liability that might occur is a prudent strategy.

An Excess Liability or Umbrella Policy is a great way to protect against liabilities not falling under common coverage policies as it provides broader coverage. It’s best to take the umbrella policy from the same insurance company with whom you have your main or basic policy. That way, there is less risk of difference in opinions if legal problems arise.

In case of severe damage to your property due to fire or other calamities, there is the risk of loss of rent during the time that the property is being repaired. Without rent coming in, making timely mortgage payments might become an issue. Loss of rents coverage ensures that the landlord can continue to make mortgage payments without any hiccups.

Natural disasters are unpredictable, but can cause severe damages to property when they occur.

While insuring against them can provide a great saving if there is a disaster, the high premium deters most small owners from opting for this form of coverage. If the property is located in a zone that is commonly affected by natural disasters, then getting specific insurance to protect against it is a must.

Most contractors have policies that cover their employees against compensation caused by injuries at the workplace (which could be your apartment). Check whether the contractor whom you use for repairs and maintenance has a policy with a sufficient limit to cover this. Otherwise, it is advisable to get this type of policy to protect

against being sued by a worker for an injury that occurred while working on your property.

There are also several other types of additional insurance that take care of specific losses that might arise in maintaining or repairing the property. Ask your insurance agent for the complete list of policy coverages and sift through them to shortlist the ones that might help you limit your liability. You will have to weigh the probability of a risk occurring against the additional cost towards premium payable, in order to make the right choice.

A deductible refers to the basic amount that you can pay out of pocket to cover against liabilities before the insurance policy coverage takes over. The higher the deductible, the lower will be the premium. As the wealth from your property increases, it makes sense to opt for a higher deductible so that the money saved from the reduced premium can be used for buying additional coverage.

Research the various options by enquiring with other property owners. Also ensure that the insurance agent or company has a good financial rating. Rather than choosing the insurer who offers the lowest premium, analyse the policy clauses and read the fine print on the different coverages offered before making a decision.

Risk management and insurance can go a long way towards ensuring that property ownership continues to increase your wealth without adding unnecessary stress. If damage does occur to your property, document it (preferably with photographic evidence) as soon as you hear about it and notify your insurer immediately. In next month’s lesson, we will cover recordkeeping and accounting, which are other important aspects of owning and operating a property.

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Properties of the month JLT

Madinah Tower 3 bed apartment

3,087 sq. ft.

AED 4,400,000

AP1373

Business Bay

Business Tower Commercial Space

1,200 sq. ft.

AED 1,500,000

837.11 sq. ft.

AED 100,453

2 bed apartment

Palm Jumeirah

4,170 sq. ft.

AED 6,000,000

AP1120

Dubai Marina

Sulafa Tower 1 bed apartment

4 bed apartment

VI1345

Mehdi 055 5075040

Commercial Space

OF1369

NT

26

Business Bay

Bayswater

RE

LE

SA For above listed properties contact

LE

LE Emirates Living

Meadows 4

AP1344

SA

AED 4,000,000

SA

2,022 sq. ft.

E

E

Balqis Residence

OF1086

L SA

AED 1,200,000

L SA

1,214 sq. ft.

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Properties of the month JLT

Lake View Tower 1 bed apartment

1,390 sq. ft.

AED 1,500,000

AP1230

Business Bay

Bayswater Commercial Space

12,780 sq. ft.

AED 20,000,000

L SA

L SA

1 bed apartment

778 sq. ft.

AED 3,400,000

AP1111

E

E Down Town

The Address Dubai Mall Hotel

JLT

Global Lake View Studio

460 sq. ft.

AED 850,000

1,250 sq. ft.

AED 3,300,000

AP1371

LE

2 bed apartment

AP1314

SA

LE

SA Down Town

Standpoint Tower A

CB1356

Executive Tower B 1 bed apartment

1,356 sq. ft.

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 Dubai Marina

Le Reve 4 bed apartment

4,200 sq. ft.

AED 9,900,000

AP1389

The Greens

Golf Tower 2 2 bed apartment

1,318 sq. ft.

AED 2,700,000

8,800 sq. ft.

AED 4,800,000

4 bed apartment

VI1397

E

E Palm Jumeirah

Canal Cove

Jumeirah

Jumeirah Park 3 bed apartment

4,564 sq. ft.

Palm Jumeirah AED 11,341,845

AP1391

Alex 055 5075020

3 bed apartment

2,197 sq. ft.

Business Bay AED 3,405,350

AP1388

LE

28

Executive Tower K

SA

LE

SA For above listed properties contact

LE

LE

4 bed apartment

VI1357

SA

SA

Fairmont Residence

AP1423

L SA

AED 24,000,000

L SA

5,821 sq. ft.

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Properties of the month Emirates Living

Springs 4 3 bed apartment

2,272 sq. ft.

AED 3,150,000

VI1240

Down Town

8 Boulevard Studio

4,100 sq. ft.

AED 8,000,000

1 bed apartment

920 sq. ft.

AED 1,900,000

AP1453

E

E Down Town

The Loft Tower, East

Emirates Living

Meadows 1 4 bed apartment

LE

LE

3 bed apartment

3,464 sq. ft.

AED 4,600,000

VI1319

VI1398

SA

SA The Views

Golf Tower Canal Villas T2

AP1458

L SA

AED 1,200,000

L SA

543 sq. ft.

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

11,850 sq. ft.

AED 11,500,000

RL1405

LE

SA

LE SA For above listed properties contact

Alex 055 5075020

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Properties of the month Taj Grandeur Residences 1 bed apartment

1,150 sq. ft.

Palm Jumeirah AED 2,500,000

AP1486

Hamilton Residency 1 bed apartment

880 sq. ft.

Business Bay AED 1,390,000

L SA

E

E

L SA

Fairview Residency 1 bed apartment

795 sq. ft.

Business Bay AED 1,350,000

AP1487

Executive Tower M 2 bed apartment

1,425 sq. ft.

Business Bay AED 2,500,000

2,110 sq. ft.

Business Bay AED 3,500,000

AP1473

Alex 055 5075020

3 bed apartment

2,181 sq. ft.

Palm Jumeirah AED 3,600,000

AP1488

LE

30

Shoreline - Al Khushkar

SA

LE

SA For above listed properties contact

LE

3 bed apartment

AP1475

SA

LE

SA

Executive Tower K

AP1490

Valoran Real Estate Brokers Issue No. 20 - Aug. 2014

Properties of the month Business Bay

Bayswater Commercial Space

7,500 sq. ft.

AED 15,000,000

1,075 sq. ft.

AED 78,000

OF1409

1 bed apartment

683 sq. ft.

Down Town AED 3,700,000

E

E Al Barsha

Barsha 2 4 bed apartment

VI1083

Tecom

Executive Heights 3 bed apartment

AED 195,700

1,407 sq. ft.

AED 168,000

NT

LE

Studio

AP1340

OF1442

RE

2,060 sq. ft.

SA JLT

Saba 3

AP1215

L SA

AED 993,000

L SA

764.24 sq. ft.

The Address Dubai Mall Hotel

Business Bay

Al Manara Commercial Space

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

5XP SFTJEFOUJBM UPXFST XJUI B TIBSFE DPVSUZBSE (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 3PVOE UIF DMPDL BEWBODFE TFDVSJUZ TZTUFN 1SPYJNJUZ UP .FUSP 4UBUJPO BOE XPSME DMBTT Shopping Malls

)VHF CBMDPOJFT PòFSJOH QBOPSBNJD WJFXT )JHI DFJMJOHT 4PMJE NBSCMF 4MBUF BOE 1BSRVFU 'MPPSJOH *UBMJBO 8BSESPCFT BOE ,JUDIFO $BCJOFUT (FSNBO 2VBMJUZ 8IJUF (PPET &OFSHZ FóDJFOU $FOUSBM XBUFS IFBUJOH TZTUFN – resulting in substantial savings in electricity bills $FOUSBMJ[FE "JS $POEJUJPOJOH GSPN PO TJUF Chillers – again resulting in huge savings.

Prices start from AED 1,472,698 for 1 B/R apartment, AED 1,908,378 for 2 B/R apartment and AED 2,838,006 for Penthouse with financing option for 10 years.

Community

Tecom - Barsha

Property Name

Two Towers

Price starting from (AED)

1,472,698

1,908,378

2,838,006

Number of Bedroom(s)

1

2

1(Loft)

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. 20 - Aug. 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. 20 - Aug. 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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‫ﺗﻐﻄﻴﺔ اﳌﻈﻠﺔ‬ ‫اﳌﺴﺆوﻟﻴﺔ اﻹﺿﺎﻓﻴﺔ أو ﺑﻮﻟﻴﺼﺔ اﳌﻈﻠﺔ ﻫﻲ وﺳﻴﻠﺔ راﺋﻌﺔ ﻟﻠﺤامﻳﺔ ﻣﻦ‬ ‫اﳌﺴﺆوﻟﻴﺎت اﻟﺘﻲ ﻻ ﺗﻨﺪرج ﺗﺤﺖ ﺑﻮﻟﻴﺼﺎت اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ اﳌﻌﺮوﻓﺔ‪،‬‬ ‫ﺣﻴﺚ أﻧﻬﺎ ﺗﻮﻓﺮ ﺗﻐﻄﻴﺔ أوﺳﻊ‪ .‬وﻣﻦ اﻷﻓﻀﻞ أن ﺗﺤﺼﻞ ﻋﲆ ﺑﻮﻟﻴﺼﺔ‬ ‫اﳌﻈﻠﺔ ﻣﻦ ﻧﻔﺲ ﴍﻛﺔ اﻟﺘﺄﻣني اﻟﺘﻲ ﺣﺼﻠﺖ ﻣﻨﻬﺎ ﻋﲆ اﻟﺒﻮﻟﻴﺼﺔ‬ ‫اﻟﺮﺋﻴﺴﻴﺔ أو اﻷﺳﺎﺳﻴﺔ اﻟﺨﺎﺻﺔ ﺑﻚ‪ .‬ﺑﻬﺬه اﻟﻄﺮﻳﻘﺔ‪ ،‬ﺗﻘﻮم ﺑﺎﻟﺤﺪ ﻣﻦ‬ ‫ﺧﻄﺮ اﻻﺧﺘﻼف ﰲ وﺟﻬﺎت اﻟﻨﻈﺮ ﰲ ﺣﺎل ﻧﺸﺄة أي ﻣﺸﺎﻛﻞ ﻗﺎﻧﻮﻧﻴﺔ‪.‬‬

‫ﺗﻐﻄﻴﺔ ﺧﺴﺎرة اﻹﻳﺠﺎرات‬ ‫ﰲ ﺣﺎﻟﺔ وﻗﻮع ﴐر ﺷﺪﻳﺪ ﺑﺎﻟﻌﻘﺎر ﺑﺴﺒﺐ ﺣﺮﻳﻖ أو ﻛﻮارث أﺧﺮى‪،‬‬ ‫ﻫﻨﺎك ﺧﻄﺮ ﻣﻦ ﺧﺴﺎرة اﻹﻳﺠﺎرات ﺧﻼل اﻟﻮﻗﺖ اﻟﺬي ﻳﺘﻢ ﻓﻴﻪ إﺻﻼح‬ ‫اﻟﻌﻘﺎر‪ .‬دون ﺗﺤﻘﻴﻖ أي ﻋﺎﺋﺪات إﻳﺠﺎرﻳﺔ‪ ،‬ﻣام ﻗﺪ ﻳﺆدي إﱃ ﺣﺪوث‬ ‫ﻣﺸﻜﻠﺔ ﰲ دﻓﻊ أﻗﺴﺎط اﻟﺮﻫﻦ اﻟﻌﻘﺎري ﰲ اﻟﻮﻗﺖ اﳌﻨﺎﺳﺐ‪ .‬وﺗﻀﻤﻦ‬ ‫ﺗﻐﻄﻴﺔ ﺧﺴﺎرة اﻹﻳﺠﺎرات اﺳﺘﻤﺮار اﳌﺎﻟﻚ ﰲ ﺗﺴﺪﻳﺪ أﻗﺴﺎط اﻟﺮﻫﻦ‬ ‫اﻟﻌﻘﺎري دون أي ﻣﻌﻮﻗﺎت‪.‬‬

‫اﻟﺘﺄﻣني ﺿﺪ اﻟﻔﻴﻀﺎﻧﺎت‪ ،‬اﻹﻋﺎﺻري أو اﻟﺰﻻزل‬ ‫اﻟﻜﻮارث اﻟﻄﺒﻴﻌﻴﺔ ﻻ ميﻜﻦ اﻟﺘﻨﺒﺆ ﺑﻬﺎ‪ ،‬وﻟﻜﻦ ميﻜﻦ أن ﺗﺴﺒﺐ أﴐارا‬ ‫ﺟﺴﻴﻤﺔ ﺑﺎﻟﻌﻘﺎرات ﻋﻨﺪ ﺣﺪوﺛﻬﺎ‪ .‬ﰲ ﺣني أن اﻟﺘﺄﻣني ﺿﺪ ﻫﺬه اﻟﻜﻮارث‬ ‫ميﻜﻦ أن ﻳﻮﻓﺮ وﻓﻮرات ﻛﺒرية إذا ﺣﺪﺛﺚ ﻛﺎرﺛﺔ ﻣﻨﻬﺎ‪ ،‬إﻻ أن اﻟﻘﻴﻤﺔ‬ ‫اﻟﻜﺒرية ﻟﻬﺬه اﻟﺘﺎﻣﻴﻨﺎت ﺗﻌﻴﻖ ﻣﻌﻈﻢ أﺻﺤﺎب اﻟﻌﻘﺎرات اﻟﺼﻐرية ﻣﻦ‬ ‫اﺧﺘﻴﺎر ﻫﺬا اﻟﻨﻮع ﻣﻦ اﻟﺘﺄﻣني‪ .‬إذا ﻛﺎن اﻟﻌﻘﺎر ﻳﻘﻊ ﰲ ﻣﻨﻄﻘﺔ ﺗﺘﺄﺛﺮ‬ ‫ﻋﺎدة ﺑﺎﻟﻜﻮارث اﻟﻄﺒﻴﻌﻴﺔ‪ ،‬ﻳﻜﻮن اﻟﺤﺼﻮل ﻋﲆ ﺗﺄﻣني ﻣﺤﺪد ﻟﻠﺤامﻳﺔ‬ ‫ﺿﺪﻫﺎ أﻣﺮا ﻻ ﺑﺪ ﻣﻨﻪ‪.‬‬

‫ﺗﻌﻮﻳﻀﺎت اﻟﻌامل‬ ‫ﻣﻌﻈﻢ اﳌﻘﺎوﻟني ﻟﺪﻳﻬﻢ ﺑﻮﻟﻴﺼﺎت ﺗﺄﻣﻴﻨﻴﺔ ﺗﻐﻄﻲ ﻣﻮﻇﻔﻴﻬﻢ ﻣﻘﺎﺑﻞ‬ ‫ﺗﻌﻮﻳﻀﺎت ﻧﺎﺟﻤﺔ ﻋﻦ اﻹﺻﺎﺑﺎت ﰲ ﻣﻜﺎن اﻟﻌﻤﻞ )واﻟﺘﻲ ميﻜﻦ أن‬ ‫ﺗﻜﻮن ﺷﻘﺘﻚ(‪ .‬ﺗﺤﻘﻖ ﻣﺎ إذا ﻛﺎن اﳌﻘﺎول اﻟﺬي ﺗﺴﺘﺨﺪﻣﻪ ﻟﻌﻤﻠﻴﺎت‬ ‫اﻹﺻﻼح واﻟﺼﻴﺎﻧﺔ ﻟﺪﻳﻪ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ اﻟﻜﺎﻓﻴﺔ ﻟﺬﻟﻚ‪ .‬إذا مل ﻳﻜﻦ‬ ‫ﻛﺬﻟﻚ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﳌﺴﺘﺤﺴﻦ اﻟﺤﺼﻮل ﻋﲆ ﻫﺬا اﻟﻨﻮع ﻣﻦ اﻟﺒﻮﻟﻴﺼﺔ‬ ‫اﻟﺘﺄﻣﻴﻨﻴﺔ ﻟﻠﺤامﻳﺔ ﻣﻦ أن ﺗﺘﻢ ﻣﻘﺎﺿﺎﺗﻚ ﻣﻦ ﻗﺒﻞ ﻋﺎﻣﻞ ﻹﺻﺎﺑﺘﻪ ﻋﻨﺪ‬ ‫ﻋﻤﻠﻪ ﰲ ﻋﻘﺎرك‪.‬‬

‫ﻫﻨﺎك أﻳﻀﺎ اﻟﻌﺪﻳﺪ ﻣﻦ اﻷﻧﻮاع اﻷﺧﺮى ﻣﻦ اﻟﺘﺄﻣﻴﻨﺎت اﻹﺿﺎﻓﻴﺔ اﻟﺘﻲ‬ ‫ﺗﻬﺘﻢ ﺑﺎﻟﺨﺴﺎﺋﺮ اﳌﺤﺪدة اﻟﺘﻲ ﻗﺪ ﺗﻨﺸﺄ ﻋﻨﺪ ﺻﻴﺎﻧﺔ أو إﺻﻼح اﻟﻌﻘﺎرات‪.‬‬ ‫اﺳﺄل وﻛﻴﻠﻚ اﻟﺘﺄﻣﻴﻨﻲ ﻟﻠﺤﺼﻮل ﻋﲆ ﻗﺎمئﺔ ﻛﺎﻣﻠﺔ ﻣﻦ ﺑﻮﻟﻴﺼﺎت اﻟﺘﻐﻄﻴﺔ‬ ‫اﻟﺘﺄﻣﻴﻨﻴﺔ وراﺟﻌﻬﺎ ﺑﻌﻨﺎﻳﺔ واﺧﱰ ﺗﻠﻚ اﻟﺘﻲ ﻗﺪ ﺗﺴﺎﻋﺪك ﻋﲆ اﻟﺤﺪ ﻣﻦ‬ ‫ﻣﺴﺆوﻟﻴﺘﻚ‪ .‬وﺳﻮف ﺗﻀﻄﺮ إﱃ اﻟﺘﻔﻜري ﻣﻠﻴﺎ ﰲ اﺣﺘامل ﺣﺪوث اﻟﺨﻄﺮ‬ ‫ﻣﻘﺎﺑﻞ اﻟﺘﻜﻠﻔﺔ إﺿﺎﻓﻴﺔ ﻟﻠﻤﺒﻠﻎ اﻟﺘﺄﻣﻴﻨﻲ اﳌﺴﺘﺤﻖ‪ ،‬ﻣﻦ أﺟﻞ ﺗﺤﺪﻳﺪ‬ ‫اﻻﺧﺘﻴﺎر اﳌﻨﺎﺳﺐ‪.‬‬

‫اﻟﺨﺼﻮﻣﺎت‬ ‫ﻳﺸري اﻟﺨﺼﻢ إﱃ اﳌﺒﻠﻎ اﻷﺳﺎﳼ اﻟﺬي ميﻜﻨﻚ دﻓﻌﻪ ﻣﻦ ﺟﻴﺒﻚ ﻟﺘﻐﻄﻴﺔ‬ ‫اﳌﺴﺆوﻟﻴﺎت ﻗﺒﻞ إمتﺎم ﺗﻐﻄﻴﺔ ﺑﻮﻟﻴﺼﺔ اﻟﺘﺄﻣني‪ .‬وﻛﻠام زاد اﻟﺨﺼﻢ‪ ،‬ﻛﻠام‬ ‫ﻗﻞ اﻟﻘﺴﻂ اﻟﺘﺄﻣﻴﻨﻲ‪ .‬وﺑﻴﻨام ﺗﺰداد ﻋﺎﺋﺪات اﻟﻌﻘﺎر اﻟﺨﺎص ﺑﻚ‪ ،‬ﻓﻤﻦ‬ ‫اﳌﻨﻄﻘﻲ أن ﺗﺨﺘﺎر ﺧﺼﻢ أﻋﲆ ﺑﺤﻴﺚ ميﻜﻦ اﺳﺘﺨﺪام اﻷﻣﻮال اﻟﺘﻲ ﺗﻢ‬ ‫ﺗﻮﻓريﻫﺎ ﻣﻦ ﺧﻔﺾ اﻟﻘﺴﻂ ﻟﴩاء ﺑﻮﻟﻴﺼﺔ ﺗﻐﻄﻴﺔ إﺿﺎﻓﻴﺔ‪.‬‬

‫اﺧﺘﻴﺎر ﴍﻛﺔ اﻟﺘﺄﻣني‬ ‫ﻗﻢ ﺑﺒﺤﺚ اﻟﺨﻴﺎرات اﳌﺨﺘﻠﻔﺔ ﻋﻦ ﻃﺮﻳﻖ اﻻﺳﺘﻔﺴﺎر ﻣﻦ أﺻﺤﺎب‬ ‫اﻟﻌﻘﺎرات اﻷﺧﺮى‪ .‬وﺗﺄﻛﺪ أﻳﻀﺎ أن وﻛﻴﻞ أو ﴍﻛﺔ اﻟﺘﺄﻣني ﻟﺪﻳﻬﺎ ﺗﺼﻨﻴﻒ‬ ‫ﻣﺎﱄ ﺟﻴﺪ‪ .‬ﺑﺪﻻ ﻣﻦ اﺧﺘﻴﺎر ﴍﻛﺔ اﻟﺘﺄﻣني اﻟﺘﻲ ﺗﻘﺪم أﻗﻞ ﻗﺴﻂ‪ ،‬ﻗﻢ‬ ‫ﺑﺘﺤﻠﻴﻞ ﺑﻨﻮد اﻟﺒﻮﻟﻴﺼﺔ وﻗﺮاءة اﻟﻐﺮاﻣﺔ اﳌﻄﺒﻮﻋﺔ ﻋﲆ ﺑﻮﻟﻴﺼﺖ‬ ‫اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ اﳌﺨﺘﻠﻔﺔ اﳌﻘﺪﻣﺔ ﻗﺒﻞ اﺗﺨﺎذ أي ﻗﺮار‪.‬‬ ‫إدارة اﳌﺨﺎﻃﺮ واﻟﺘﺄﻣني ميﻜﻦ أن ﺗﻘﻄﻊ ﺷﻮﻃﺎ ﻃﻮﻳﻼ ﻧﺤﻮ ﺿامن أن‬ ‫ﻣﻠﻜﻴﺔ اﻟﻌﻘﺎر ﺗﺠﻌﻞ ﻋﺎﺋﺪاﺗﻚ ﰲ ﺗﺰاﻳﺪ ﻣﺴﺘﻤﺮ دون إﺿﺎﻓﺔ ﺗﻮﺗﺮ ﻻ‬ ‫داﻋﻲ ﻟﻪ‪ .‬إذا ﺣﺪث ﴐر ﻣﺎ ﻟﻌﻘﺎرك‪ ،‬ﻗﻢ ﺑﺘﻮﺛﻴﻖ ذﻟﻚ )وﻳﻔﻀﻞ ﺑﺎﻷدﻟﺔ‬ ‫اﻟﻔﻮﺗﻮﻏﺮاﻓﻴﺔ( ﰲ أﻗﺮب وﻗﺖ ﺑﻌﺪ ﺳامﻋﻚ اﻟﺨﱪ وإﺧﻄﺎر ﴍﻛﺔ اﻟﺘﺄﻣني‬ ‫اﻟﺨﺎﺻﺔ ﺑﻚ ﻋﲆ اﻟﻔﻮر‪ .‬ﰲ درس اﻟﺸﻬﺮ اﳌﻘﺒﻞ‪ ،‬ﺳﻮف ﻧﻮﺿﺢ ﻟﻚ‬ ‫اﻟﺪﻓﺎﺗﺮ واﳌﺤﺎﺳﺒﺔ‪ ،‬واﻟﺘﻲ ﺗﻌﺪ ﺟﻮاﻧﺐ ﻫﺎﻣﺔ أﺧﺮى ﻻﻣﺘﻼك وﺗﺸﻐﻴﻞ‬ ‫اﻟﻌﻘﺎرات‪.‬‬

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‫اﻟﺤﺼﻮل ﻋﲆ اﻟﺘﺄﻣني اﳌﻨﺎﺳﺐ‬ ‫اﻟﺘﺄﻣني ﻫﻮ أداة أﺳﺎﺳﻴﺔ ﻟﻠﺤامﻳﺔ ﺿﺪ أي ﺧﺴﺎرة ﻣﺎﻟﻴﺔ ﰲ اﻟﻌﺎﺋﺪات‬ ‫اﻟﻌﻘﺎرﻳﺔ‪ .‬ﻋﻨﺪ ﺗﺤﻠﻴﻞ اﻷﻧﻮاع اﳌﺨﺘﻠﻔﺔ ﻣﻦ اﻟﺘﺄﻣني اﳌﺘﺎﺣﺔ ﻟﻌﻘﺎرك‪،‬‬ ‫ﻓﺈﻧﻪ ﻣﻦ اﻟﺴﻬﻞ أن ﻳﺘﻢ ﺗﻀﻠﻴﻠﻚ ﻣﻦ ﻗﺒﻞ ﻣﻮﻇﻒ اﳌﺒﻴﻌﺎت وﻳﻨﺘﻬﻲ ﺑﻚ‬ ‫اﻷﻣﺮ ﺑﺪﻓﻊ أﻛرث ﻣﺎ ﻳﻨﺒﻐﻲ ﻋﻠﻴﻚ دﻓﻌﻪ‪ .‬ﰲ ﺣني ﻗﺪ ﻳﺒﺪو أن اﻟﺘﺄﻣني‬ ‫ﻋﲆ ﻛﻞ ﻣﺎ ﻫﻮ ﻣﻤﻜﻦ ﻓﻜﺮة ﺟﻴﺪة‪ ،‬إﻻ أن ﻫﺬا ﻳﻌﻨﻲ أﻳﻀﺎ أن اﳌﺒﺎﻟﻎ‬ ‫اﳌﺴﺘﺤﻖ دﻓﻌﻬﺎ ﺳﻮف ﺗﺰﻳﺪ إﱃ ﺣﺪ ﻛﺒري‪ .‬ﻓﻬﻢ أﻧﻮاع اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ‬ ‫اﳌﺨﺘﻠﻔﺔ ﻳﺴﺎﻋﺪ ﰲ وﺿﻊ اﳌﺰﻳﺞ اﻟﺼﺤﻴﺢ اﻟﺬي ﻳﺘﻨﺎﺳﺐ ﻣﻊ ﻋﻘﺎرك‪.‬‬

‫أﻧﻮاع اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ‬ ‫ﻣﻌﻈﻢ ﺑﻮﻟﻴﺼﺎت اﻟﺘﺄﻣني ﺗﺄيت ﻟﺘﻐﻄﻲ ﺑﻌﺾ ﻧﻮاﺣﻲ اﳌﺴﺆﻟﻴﺔ‪ .‬أﻧﻮاع‬ ‫اﻟﺘﻐﻄﻴﺎت اﻷﻛرث ﺷﻴﻮﻋﺎ ﻫﻲ اﻷﺳﺎﺳﻴﺔ‪ ،‬اﻟﻮاﺳﻌﺔ واﻟﺨﺎﺻﺔ‪ .‬وﻋﺎدة ﻣﺎ‬ ‫ﺗﺸﻤﻞ ﺣﺰﻣﺔ اﻟﺘﻐﻄﻴﺔ اﻷﺳﺎﺳﻴﺔ اﻷﴐار اﻟﺘﻲ ﻟﺤﻘﺖ ﺑﺎﻟﻌﻘﺎر ﺑﺴﺒﺐ‬ ‫ﺣﻮادث ﻣﺜﻞ ﺣﺮﻳﻖ‪ ،‬اﻧﻔﺠﺎر‪ ،‬اﻟﻌﻮاﺻﻒ اﻟﺮﻋﺪﻳﺔ‪ ،‬اﻟﺘﺨﺮﻳﺐ واﻷﺣﺪاث‬ ‫اﻷﺧﺮى اﳌامﺛﻠﺔ اﳌﺤﺪدة ﰲ ﻫﺬه اﻟﺒﻮﻟﻴﺼﺔ‪ .‬اﻟﺘﻐﻄﻴﺔ اﻟﻮاﺳﻌﺔ‪ ،‬ﺗﻘﺪم‬ ‫ﺗﻐﻄﻴﺔ إﺿﺎﻓﻴﺔ ﻣﺤﺪدة إﺿﺎﻓﺔ إﱃ اﻟﺒﻮﻟﻴﺼﺔ اﻷﺳﺎﺳﻴﺔ‪ .‬وميﻜﻦ أن‬ ‫ﺗﺸﻤﻞ ﻫﺬه ﻛﴪ اﻟﺰﺟﺎج‪ ،‬اﻷﴐار اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﳌﻴﺎه‪ ،‬واﻷﺟﺴﺎم‬ ‫اﻟﺴﺎﻗﻄﺔ أو اﻻﻧﻬﻴﺎر اﻟﻨﺎﺟﻢ ﻋﻦ ﺣﻮادث ﻣﺤﺪدة‪ .‬وﺗﺸﻤﻞ اﻟﺘﻐﻄﻴﺔ‬ ‫اﻟﺨﺎﺻﺔ ﻣﺠﻤﻮﻋﺔ واﺳﻌﺔ ﻣﻦ اﻟﺨﺴﺎﺋﺮ اﳌﺤﺘﻤﻠﺔ‪ .‬وﻋﺎدة ﻣﺎ ﺗﻘﺪم أﻋﲆ‬ ‫‪www.valoran.ae‬‬

‫ﻧﻄﺎق ﻣﻦ اﻟﺘﻐﻄﻴﺔ وﺗﻐﻄﻲ أي ﳾء آﺧﺮ ﻣﻦ اﻻﺳﺘﺜﻨﺎءات اﳌﺬﻛﻮرة ﰲ‬ ‫ﻫﺬه اﻟﺒﻮﻟﻴﺼﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈﻧﻬﺎ أﻏﲆ ﺑﻜﺜري ﻣﻦ ﻏريﻫﺎ ﻣﻦ اﻟﺤﺰﻣﺘني‬ ‫اﻷﺧﺮﺗني اﻟﺸﺎﺋﻌﺘني‪.‬‬

‫ﺗﻌﻮﻳﺾ اﻟﺨﺴﺎﺋﺮ‬ ‫ﻋﺎدة‪ ،‬ﺗﻘﻮم ﴍﻛﺎت اﻟﺘﺄﻣني ﺑﺘﻌﻮﻳﺾ اﻟﺨﺴﺎﺋﺮ اﻟﺘﻲ ﻳﻮاﺟﻬﻬﺎ ﻣﺎﻟﻚ‬ ‫اﻟﻌﻘﺎر ﻋﻦ ﻃﺮﻳﻖ دﻓﻊ اﻟﻘﻴﻤﺔ اﻟﻨﻘﺪﻳﺔ اﻟﻔﻌﻠﻴﺔ ﻣﻦ ﺗﻜﻠﻔﺔ اﻻﺳﺘﺒﺪال‬ ‫اﻟﺬي ﺗﻢ ﰲ اﻟﻌﻘﺎر ﺑﻌﺪ ﺧﺼﻢ اﻻﺳﺘﻬﻼك‪ .‬ﻣﻌﻈﻢ اﻟﺒﻮﻟﻴﺼﺎت اﻟﻘﻴﺎﺳﻴﺔ‬ ‫ﺗﻘﺪم ﺗﻌﻮﻳﻀﺎت ﺑﺎﻟﻘﻴﻤﺔ اﻟﻨﻘﺪﻳﺔ اﻟﻔﻌﻠﻴﺔ ﻓﻘﻂ‪.‬‬ ‫اﻟﻨﻮع اﻵﺧﺮ ﻣﻦ اﻟﺘﻌﻮﻳﺾ ﻳﻜﻮن ﻋﻦ ﻗﻴﻤﺔ ﺗﻜﻠﻔﺔ اﻻﺳﺘﺒﺪال‪ ،‬واﻟﺘﻲ ﻻ‬ ‫ﺗﻘﺘﻄﻊ اﻻﺳﺘﻬﻼك‪ .‬ﰲ ﺣني أن ﻫﺬا اﻟﻨﻮع ﻣﻦ اﻟﺘﻐﻄﻴﺔ أﻛرث ﻗﻠﻴﻼً ﻋﻦ‬ ‫ﻗﻴﻤﺔ اﻟﺘﻜﻠﻔﺔ اﻟﻔﻌﻠﻴﺔ‪ ،‬إﻻ أﻧﻬﺎ ﺗﺴﺘﺤﻖ اﻟﻘﻴﻤﺔ اﻹﺿﺎﻓﻴﺔ ﻷن اﳌﺎﻟﻚ‬ ‫ﻳﺤﺼﻞ ﻋﲆ ﺗﻌﻮﻳﺾ ﻋﻦ إﺟامﱄ اﳌﺒﻠﻎ اﻟﺬي أﻧﻔﻖ ﰲ اﺳﺘﺒﺪال أو‬ ‫إﺻﻼح اﻟﻌﻘﺎر‪.‬‬

‫ﺧﻴﺎرات اﻟﺘﺄﻣني اﻹﺿﺎﰲ‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ اﻟﺘﻐﻄﻴﺔ اﻟﻌﺎدﻳﺔ اﻟﺘﻲ ﺗﻮﻓﺮﻫﺎ اﻟﺒﻮﻟﻴﺼﺎت‪ ،‬اﻟﺤﺼﻮل ﻋﲆ‬ ‫ﺗﺄﻣني إﺿﺎﰲ ﻟﺘﻐﻄﻴﺔ أﻳﺔ ﻣﺴﺆوﻟﻴﺔ إﺿﺎﻓﻴﺔ ﻗﺪ ﺗﺤﺪث ﻫﻮ اﺳﱰاﺗﻴﺠﻴﺔ‬ ‫ﺣﻜﻴﻤﺔ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫وﺿﻊ ﺧﻄﺔ إدارة اﳌﺨﺎﻃﺮ‬ ‫ﻛﺜري ﻣﻦ اﻟﻨﺎس ﻳﺸﱰون اﻟﻌﻘﺎرات ﻟﺘﺄﺟريﻫﺎ وﻛﺴﺐ اﻟﺪﺧﻞ ﻣﻨﻬﺎ دون‬ ‫أن ﻳﺪرﻛﻮا اﳌﺨﺎﻃﺮ اﳌﺮﺗﺒﻄﺔ ﺑﺬﻟﻚ‪ ،‬ﺣﺘﻰ أﻧﻬﻢ ﻳﻮاﺟﻬﻮن دﻋﺎوى‬ ‫ﻗﻀﺎﺋﻴﺔ أو ﻣﻄﺎﻟﺐ ﺑﺎﻟﺘﻌﻮﻳﺾ ﻋﻦ اﻷﴐار‪ ،‬اﻟﺘﻲ ﻻ ميﻜﻨﻬﻢ ﺗﺤﻤﻠﻬﺎ‪.‬‬ ‫ﻣﻌﻈﻢ اﻟﻘﻀﺎﻳﺎ ﺗﻨﺸﺄ ﺑﺴﺒﺐ اﻹﺻﺎﺑﺔ اﻟﺸﺨﺼﻴﺔ أو أﴐار ﰲ اﻟﻌﻘﺎرات‬ ‫ﻣﻦ ﻗﺒﻞ اﳌﺴﺘﺄﺟﺮ‪ .‬ميﻜﻦ اﺗﺨﺎذ ﺧﻄﻮات ﻟﺘﺤﺪﻳﺪ وﺗﻘﻠﻴﻞ ﻫﺬه اﳌﺨﺎﻃﺮ‬ ‫ﻟﻠﺤﺪ ﻣﻦ اﻟﺘﻬﺪﻳﺪ اﳌﺤﺘﻤﻞ ﻟﻠﻤﻘﺎﺿﺎة ﻋﻦ اﻷﴐار‪.‬‬

‫اﻟﴪﻳﻌﺔ ﻟﻠﺸﻜﺎوى ميﻜﻦ أن ﺗﻌﻤﻞ ﰲ ﺻﺎﻟﺢ اﳌﺎﻟﻚ ﻷﻧﻬﺎ ﺗﻘﻠﻞ ﻣﻦ‬ ‫ﻓﺮص اﻷﴐار اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﻹﻫامل‪.‬‬ ‫ﻧﻘﻞ اﳌﺨﺎﻃﺮ ‪ -‬إذا ﻛﻨﺖ ﺗﺴﺘﻌني ﺑﴩﻛﺔ إدارة ﻋﻘﺎرﻳﺔ ﻟﻼﻫﺘامم‬ ‫واﻟﺤﻔﺎظ ﻋﲆ اﻟﻌﻘﺎر‪ ،‬ﻓﻤﻦ اﳌﻤﻜﻦ ﻧﻘﻞ اﳌﺨﺎﻃﺮ إﻟﻴﻬﻢ ﺑﺤﻴﺚ ﻻ ﻳﺮد‬ ‫اﺳﻤﻚ ﰲ أي دﻋﺎوى ﻗﻀﺎﺋﻴﺔ‪ .‬ﻣﻌﻈﻢ اﳌﻘﺎوﻟني واﳌﻮردﻳﻦ اﳌﺮﺧﺼني‬ ‫ﻟﺪﻳﻬﻢ ﺗﻐﻄﻴﺘﻬﻢ اﻟﺘﺄﻣﻴﻨﻴﺔ اﻟﺨﺎﺻﺔ‪ ،‬واﻟﺘﻲ ميﻜﻦ أن متﺘﺪ ﻟﺘﺸﻤﻞ اﻟﻌﻤﻞ‬ ‫اﳌﻨﺠﺰ ﰲ ﻋﻘﺎرك‪ .‬ﺗﺄﻛﺪ ﻣﻦ أن وﺟﻮد ﺑﻮﻟﻴﺼﺎت ﺑﺬﻟﻚ‪.‬‬

‫ﺣﻴﺚ أﻧﻪ ﺳﻮف ﻳﻜﻮن ﻣﻦ اﻟﺼﻌﺐ ﻓﺮض ﺿامن اﻹﻳﺠﺎر ﻋﲆ ﺷﺨﺺ‬ ‫ﻣﻦ ﻣﻨﻄﻘﺔ أﺧﺮى‪.‬‬

‫إزاﻟﺔ اﳌﺨﺎﻃﺮ اﳌﺤﺘﻤﻠﺔ ﻣﻦ اﳌﻌﺎدﻟﺔ ‪ -‬ﺑﻌﺾ ﻣﻤﻴﺰات اﻟﻌﻘﺎر‬ ‫ميﻜﻦ أن ﺗﻄﺮح ﻧﻔﺴﻬﺎ ﺑﻮﺻﻔﻬﺎ ﺧﻄﺮا ﻣﺤﺘﻤﻼ ﺣﺘﻰ وﻟﻮ ﻛﺎن اﺣﺘامل‬ ‫ﺣﺪوﺛﻪ ﺿﻌﻴﻔﺎً‪ .‬زﻻﺟﺎت أو ﻟﻮﺣﺎت اﻟﻐﻮص ﰲ ﺣامﻣﺎت اﻟﺴﺒﺎﺣﺔ‪،‬‬

‫وﻫﻨﺎ ﺑﻌﺾ اﻟﻄﺮق اﻟﺘﻲ ميﻜﻦ ﻣﻦ ﺧﻼﻟﻬﺎ اﻟﻘﻴﺎم ﺑﺬﻟﻚ‪:‬‬

‫اﻟﺴﻼمل اﻟﻮاﻫﻴﺔ اﻟﺘﻲ ﺗﺆدي إﱃ ﴍﻓﺎت ﻋﻠﻮﻳﺔ وﺟﺪران اﻟﴩﻓﺎت‬ ‫اﳌﻨﺨﻔﻀﺔ ميﻜﻦ أن ﺗﻜﻮن ﻣﺠﺮد ﻣﻴﺰات ﺗﻘﺪم إﻣﻜﺎﻧﻴﺔ وﻗﻮع ﺣﺎدث‪.‬‬ ‫ميﻜﻦ ﻹزاﻟﺔ ﻫﺬه اﳌﻴﺰات ﻋﲆ اﻟﻔﻮر أن ﻳﻘﻠﻞ ﻣﻦ ﺧﻄﺮ أن ﺗﺴري اﻷﻣﻮر‬ ‫ﺑﺸﻜﻞ ﺧﺎﻃﺊ‪.‬‬

‫اﳌﻌﺎﻳﻨﺔ اﳌﻨﺘﻈﻤﺔ ‪ -‬وﺟﻮد ﺟﺪول زﻣﻨﻲ ﳌﻌﺎﻳﻨﺔ اﻟﻌﻘﺎر ﺑﺎﻧﺘﻈﺎم‬ ‫ﻳﺴﺎﻋﺪ ﰲ ﺗﺤﺪﻳﺪ اﳌﺨﺎﻃﺮ اﳌﺤﺘﻤﻠﺔ واﻟﴩوع ﰲ اﻹﺻﻼﺣﺎت اﻟﻼزﻣﺔ‬ ‫ﻗﺒﻞ أن ﺗﺼﻞ إﱃ ﻣﺮﺣﻠﺔ ﺣﺮﺟﺔ‪ .‬اﻟﺤﻔﺎظ ﻋﲆ ﻧﺴﺨﺔ ﻣﻦ ﺗﻘﺮﻳﺮ اﳌﻌﺎﻳﻨﺔ‬ ‫أو ﺗﻮﺛﻴﻖ اﳌﺸﻜﻼت ﺳﻮف ﻳﻜﻮن مبﺜﺎﺑﺔ اﻹﺛﺒﺎت ﰲ ﺣﺎل وﺟﻮد أي‬ ‫ﻣﺸﺎﻛﻞ ﺗﺘﻌﻠﻖ ﺑﺎﻟﺼﺤﺔ واﻟﺴﻼﻣﺔ واﻟﺘﻲ ﻗﺪ ﺗﻨﺸﺄ ﰲ اﳌﺴﺘﻘﺒﻞ‪.‬‬ ‫ﺳﺠﻞ ﺷﻜﺎوى اﳌﺴﺘﺄﺟﺮ ‪ -‬ﻣﻦ اﻟﺤﻜﻤﺔ اﻻﺳﺘامع إﱃ ﺷﻜﺎوى‬ ‫اﳌﺴﺘﺄﺟﺮ‪ ،‬وﺗﻮﺛﻴﻘﻬﺎ واﺗﺨﺎذ ﺧﻄﻮات ﳌﻌﺎﻟﺠﺔ ﻫﺬه اﻷﻣﻮر‪ .‬اﻻﺳﺘﺠﺎﺑﺔ‬

‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﻣﺤﺎوﻟﺔ ﻣﻌﺎﻟﺠﺔ ﻛﻞ اﻟﺘﻔﺎﺻﻴﻞ اﻟﺼﻐرية ﳌﻨﻊ اﻟﺤﻮادث‪،‬‬ ‫وميﻜﻦ أﺣﻴﺎﻧﺎ أن ﻳﻮاﺟﻪ اﳌﺴﺘﺄﺟﺮ اﻷﴐار اﻟﻨﺎﺟﻤﺔ ﻋﻦ ﻇﺮوف ﺧﺎرﺟﺔ‬ ‫ﻋﻦ إرادﺗﻚ‪ .‬وﺟﻮد اﻟﺘﺎﻣني اﳌﻨﺎﺳﺐ ﻳﻌﺪ أﻣﺮا ً ﴐورﻳﺎً ﻟﻠﺤﺪ ﻣﻦ‬ ‫اﳌﺴﺆوﻟﻴﺔ اﳌﺎﻟﻴﺔ اﻟﺸﺨﺼﻴﺔ ﰲ ﺣﺎل ﺣﺪوث ﳾء ﻣﺜﻞ ﻫﺬا‪.‬‬

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‫‪18‬‬ ‫ميﻜﻦ ﻟﴩاء وﺗﺄﺟري اﻟﻌﻘﺎرات ﻛﺴﺐ اﻟﻌﺎﺋﺪات اﻟﺘﻲ ميﻜﻦ ﳌﺎﻟﻚ اﻟﻌﻘﺎر اﻟﺘﻤﺘﻊ ﺑﻬﺎ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ‬ ‫اﻟﺤﻜﻤﺔ أن ﺗﺘﺨﺬ ﺗﺪاﺑري ﻟﻠﺤﺪ ﻣﻦ اﳌﺨﺎﻃﺮ اﳌﺮﺗﺒﻄﺔ ﺑﺎﻟﻌﻘﺎر‪ .‬وﺟﻮد ﺧﻄﺔ ﻹدارة اﳌﺨﺎﻃﺮ ﳌﻌﺎﻟﺠﺔ اﻟﺨﺴﺎﺋﺮ‬ ‫اﳌﺎﻟﻴﺔ اﳌﺤﺘﻤﻠﺔ اﻟﺘﻲ ﻗﺪ ﺗﻨﺸﺄ ﻫﻮ أﻣﺮ ﰲ ﻣﺼﻠﺤﺘﻚ‪ .‬إدارة اﳌﺨﺎﻃﺮ ﺗﺘﺠﺎوز ﻣﺠﺮد ﻓﻜﺮة وﺟﻮد ﺑﻮﻟﻴﺼﺔ ﺗﺄﻣني‪.‬‬ ‫ﺣﻴﺚ أﻧﻬﺎ ﺗﻨﻄﻮي ﻋﲆ اﻟﺼﻴﺎﻧﺔ اﻟﺪورﻳﺔ ﻟﻠﻌﻘﺎر‪ ،‬ﺣﻔﻆ اﻟﺴﺠﻼت اﳌﻨﺎﺳﺒﺔ وﺗﻐﻄﻴﺔ اﻷﻧﺸﻄﺔ أو أﻳﺔ ﻣﺴﺆوﻟﻴﺔ‬ ‫أﺧﺮى ﻗﺪ ﺗﻨﺸﺄ‪ .‬ﰲ ﻫﺬا اﻟﺪرس‪ ،‬ﻧﻮﺿﺢ اﻟﺨﻄﻮات اﳌﺘﺒﻌﺔ ﰲ وﺿﻊ ﺧﻄﺔ ﺟﻴﺪة ﻹدارة اﳌﺨﺎﻃﺮ‪ ،‬وﻛﺬﻟﻚ ﺗﻘﺪﻳﻢ‬ ‫ﺑﻌﺾ اﻟﻨﺼﺎﺋﺢ ﺣﻮل ﻣﻌﺮﻓﺔ أﻓﻀﻞ ﻧﻮع ﻣﻦ اﻟﺘﺄﻣني ﻋﲆ اﻟﻌﻘﺎرات‪.‬‬

‫‪www.valoran.ae‬‬

Valoran Real Estate Brokers Your Lifestyle Broker

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Nationwide Rental Performace - 2 Bedroom Apartments Suburb (Region) Wellington Christchurch Aukland

Median Weekly Rent

Estimated Valuation (2013)

Gross Tield

Capital Gain

Yield + Gains

$413 $307 $419

$3,41,000 $2,98,000 $4,42,000

6.3% 5.4% 4.9%

0.4% 9.5% 11.1%

6.7% 14.8% 16.0%

Source: Westpac

www.valoran.ae

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻟﻘﻮاﻋﺪ اﻟﺠﺪﻳﺪة اﻟﺘﻲ وﺿﻌﻬﺎ اﻟﺒﻨﻚ اﻻﺣﺘﻴﺎﻃﻲ اﻟﻨﻴﻮزﻳﻠﻨﺪي واﻟﺘﻲ‬ ‫دﺧﻠﺖ ﺣﻴﺰ اﻟﻨﻔﺎذ ﰲ أﻛﺘﻮﺑﺮ ﻣﻦ ﻋﺎم ‪ ،2013‬ﺣﻴﺚ وﺿﻌﺖ ﻗﻴﻮدا ﻋﲆ‬ ‫اﻟﻘﺮوض ﻋﺎﻟﻴﺔ اﻟﻘﻴﻤﺔ‪.‬‬

‫ﻋﺎم ‪ ،2013‬اﻧﺨﻔﻀﺖ ﻣﻌﺪﻻت اﻟﺸﻮاﻏﺮ ﰲ اﳌﺪﻳﻨﺔ ﺑﻨﺴﺒﺔ ‪ 1.2‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻟﺘﺼﻞ إﱃ ‪ 9.3‬ﰲ اﳌﺎﺋﺔ ﺑﺤﻠﻮل ﻧﻬﺎﻳﺔ اﻟﻌﺎم‪ .‬ﺗﻢ اﺳﺘﻴﻌﺎب أﻛرث ﻣﻦ‬ ‫‪ 29،000‬ﻣﱰ ﻣﺮﺑﻊ ﻣﻦ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ ﺧﻼل ﻫﺬه اﻟﻔﱰة‪ .‬ومتﺜﻠﺖ‬ ‫ﻏﺎﻟﺒﻴﺔ اﻻﺳﺘﻴﻌﺎب ﰲ اﻟﺤﻲ اﻟﺘﺠﺎري اﳌﺮﻛﺰي‪ ،‬ﺣﻴﺚ ﻳﺒﺤﺚ اﳌﺴﺘﺄﺟﺮون‬ ‫ﻋﻦ ﺗﺄﺟري آﺧﺮ اﳌﺴﺎﺣﺎت اﻟﺠﻴﺪة اﳌﺘﺎﺣﺔ ﰲ اﳌﺪﻳﻨﺔ‪ .‬واﺳﺘﻤﺮ اﻟﻄﻠﺐ‬ ‫ﻣﺮﺗﻔﻌﺎً ﻣﻊ ﻗﻠﺔ ﻛﺒرية ﰲ اﻻﻣﺪادات اﳌﺴﺘﻘﺒﻠﻴﺔ اﻟﺠﺪﻳﺪة‪ .‬ﻛﺎن ﻣﻦ‬ ‫اﳌﺘﻮﻗﻊ أن ﻳﻀﺎف إﱃ اﳌﺨﺰون اﳌﻜﺘﺒﻲ ‪ -‬اﺛﻨني ﻓﻘﻂ ﻣﻦ اﳌﺒﺎين‬ ‫اﻟﺠﺪﻳﺪة ‪ -‬واﺣﺪ ﰲ ﺷﺎرع ﻓﻴﻜﺘﻮرﻳﺎ واﻵﺧﺮ اﻟﺬي ﺳﻮف ﻳﻜﻮن اﳌﻘﺮ‬ ‫اﻟﺠﺪﻳﺪ ﻟﴩﻛﺔ ﻓﻮﻧﺘريا ﰲ وﻳﻨﻴﺎرد ﻛﻮارﺗﺮ‪ .‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﻜﺘﻤﻞ ﻛﻼ‬ ‫اﳌﺒﻨني ﺑﺤﻠﻮل ﻧﻬﺎﻳﺔ ﻋﺎم ‪.2015‬‬

‫ﻣﻦ ﺣﻴﺚ ﻋﺎﺋﺪات اﻹﻳﺠﺎرات‪ ،‬ﻛﺎن أﻗﴡ ﻃﻠﺐ إﻳﺠﺎري ﻟﻠﻌﻘﺎرات ﰲ‬ ‫أوﻛﻼﻧﺪ‪ .‬ﺣﻴﺚ ﺣﻘﻘﺖ اﻟﺸﻘﻖ ﰲ اﳌﺪﻳﻨﺔ ﻋﺎﺋﺪات ﺗﻘﺪر ﺑﺤﻮاﱄ ‪5.44‬‬ ‫ﰲ اﳌﺎﺋﺔ إﱃ ‪ 9.14‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﺣﻘﻘﺖ اﻟﺸﻘﻖ اﻷﺻﻐﺮ ﻋﺎﺋﺪات أﻋﲆ‬ ‫ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ اﻟﻮﺣﺪات اﻟﻜﺒرية‪ .‬وﻛﺎﻧﺖ اﻟﻌﺎﺋﺪات اﻹﻳﺠﺎرﻳﺔ أﻳﻀﺎ ﺟﻴﺪة‬ ‫ﰲ اﻟﻌﺎﺻﻤﺔ وﻟﻴﻨﻐﺘﻮن‪ ،‬ةاﻟﺘﻲ ﺗﺮاوﺣﺖ ﺑني ‪ 6.18‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 6.94‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬وﻓﻘﺎ ﻟﺘﻘﺮﻳﺮ ﻣﻦ وﺳﺘﺒﺎك‪ ،‬ﻛﺎﻧﺖ إﺟامﱄ اﻟﻌﺎﺋﺪات اﻹﻳﺠﺎرﻳﺔ ﰲ‬ ‫أوﻛﻼﻧﺪ‪ ،‬وﻟﻴﻨﻐﺘﻮن وﻛﺮاﻳﺴﺘﺸريش ‪ 4.9‬ﰲ اﳌﺎﺋﺔ و ‪ 6.3‬ﰲ اﳌﺎﺋﺔ و ‪5.4‬‬ ‫ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬

‫زﻳﺎدة اﻟﻄﻠﺐ واﻧﺨﻔﺎض ﻣﻌﺪﻻت اﻟﺸﻮاﻏﺮ ﺗﻘﺪم اﻟﻔﺮﺻﺔ ﻻرﺗﻔﺎع‬ ‫اﻹﻳﺠﺎرات ﰲ أوﻛﻼﻧﺪ‪ .‬ﺣﻴﺚ ﻇﻠﺖ اﻹﻳﺠﺎرات ﻣﺴﺘﻘﺮة ﻋﲆ أﺳﺎس رﺑﻊ‬ ‫ﺳﻨﻮي ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻷول ﻣﻦ ﻋﺎم ‪ ،2014‬وﻟﻜﻦ ﰲ اﻟﺤﻲ اﻟﺘﺠﺎري‬ ‫اﳌﺮﻛﺰي‪ ،‬ارﺗﻔﻌﺖ إﻳﺠﺎرات اﳌﻜﺎﺗﺐ اﻟﺮﺋﻴﺴﻴﺔ ﺑﻨﺴﺒﺔ ‪ 0.9‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻣﻊ‬ ‫ﻗﻠﺔ اﳌﻌﺮوض اﻟﺠﺪﻳﺪ ﰲ اﻟﺴﻮق ﻟﻠﻌﺎم اﳌﻘﺒﻞ‪ ،‬ميﻜﻦ أن ﺗﺴﺘﻤﺮ‬ ‫اﻹﻳﺠﺎرات ﰲ اﻻرﺗﻔﺎع‪.‬‬

‫اﺳﺘﻨﺎدا إﱃ ﺑﻴﺎﻧﺎت اﳌﺒﻴﻌﺎت اﻟﺼﺎدرة ﻣﻦ ‪ ،REINZ‬ﻛﺎﻧﺖ أوﻛﻼﻧﺪ‬ ‫اﻟﺮاﺋﺪة ﻣﻦ ﺣﻴﺚ اﻷرﺑﺎح اﻟﺮأﺳامﻟﻴﺔ‪ ،‬ﺣﻴﺚ ﻛﺎﻧﺖ اﻟﺸﻘﺔ اﳌﻜﻮﻧﺔ ﻣﻦ‬ ‫ﻏﺮﻓﺘني ﺗﺤﻘﻖ أرﺑﺎﺣﺎً مبﺘﻮﺳﻂ ‪ 11.1‬ﰲ اﳌﺎﺋﺔ ﻋﲆ أرﺑﺎح رأس اﳌﺎل ﰲ‬ ‫اﻻﺛﻨﻲ ﻋﴩ ﺷﻬﺮا اﳌﻨﺘﻬﻴﺔ ﰲ دﻳﺴﻤﱪ ‪ .2013‬وﻛﺎﻧﺖ ﻛﺮاﻳﺴﺘﺸريش ﺛﺎين‬ ‫أﻓﻀﻞ ﻣﺪﻳﻨﺔ ﻣﻊ أرﺑﺎح ﺑﻨﺴﺒﺔ ‪ 9.5‬ﰲ اﳌﺎﺋﺔ‪.‬‬

‫ﺑﺴﺒﺐ اﻷﺳﺎﺳﻴﺎت اﻻﻗﺘﺼﺎدﻳﺔ اﻟﻘﻮﻳﺔ وزﻳﺎدة اﻟﺜﻘﺔ ﰲ اﻷﻋامل‬ ‫اﻟﺘﺠﺎرﻳﺔ‪ ،‬ﺷﻬﺪ ﻧﺸﺎط اﻟﺘﺄﺟري ﰲ ﺳﻮق اﳌﻜﺎﺗﺐ ﰲ أوﻛﻼﻧﺪ زﻳﺎدة ﰲ‬ ‫اﻻﺳﺘﻴﻌﺎب‪ .‬وﻓﻘﺎ ﻟﺒﺤﺚ ﻣﻦ ﺟﻮﻧﺰ ﻻﻧﻎ ﻻﺳﺎل‪ ،‬ﺧﻼل اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ‬

‫‪Value of Residential Properties Sold – June 2013 to June 2014‬‬ ‫‪June 2014‬‬

‫‪June 2013‬‬

‫‪$1 million plus‬‬

‫‪5.6%‬‬

‫‪341‬‬

‫‪7.0%‬‬

‫‪406‬‬

‫‪17.8%‬‬

‫‪1,090‬‬

‫‪20.1%‬‬

‫‪1,159‬‬

‫‪$600,000 to $999,999‬‬

‫‪25.7%‬‬

‫‪1,579‬‬

‫‪28.0%‬‬

‫‪1,615‬‬

‫‪$400,000 to $599,999‬‬

‫‪50.9%‬‬

‫‪3,125‬‬

‫‪44.8%‬‬

‫‪2,583‬‬

‫‪100.0.%‬‬

‫‪6,135‬‬

‫‪100.0%‬‬

‫‪5,763‬‬

‫‪Under $400,000‬‬ ‫‪All Properties Sold‬‬

‫)‪Source: Real Estate Institute of New Zealand (REINZ‬‬

‫‪19‬‬

‫‪- 20‬‬

‫‪2014‬‬

‫وﻓﻘﺎ ﻟﺒﻴﺎﻧﺎت ﻣﻦ ﻣﻌﻬﺪ اﻟﻌﻘﺎرات ﰲ ﻧﻴﻮزﻳﻠﻨﺪا )‪ ،(REINZ‬ﻓﺈن‬ ‫ﻣﺘﻮﺳﻂ اﻟﺴﻌﺮ اﻟﻮﻃﻨﻲ ﻟﻠﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ‪ 427،250‬دوﻻر ﰲ ﻳﻮﻧﻴﻮ‬ ‫‪ - 2014‬أي ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 33,250‬دوﻻر ﻣﻘﺎرﻧﺔ ﺑﺸﻬﺮ ﻳﻮﻧﻴﻮ ‪،2013‬‬ ‫وﺑﻨﺴﺒﺔ منﻮ ﺑﻠﻐﺖ ‪ 8.4‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻛﺎن أﻓﻀﻞ آداء ﻟﻸﺳﻌﺎر أداء ﰲ‬ ‫أوﻛﻼﻧﺪ وﻛﺬﻟﻚ ﻣﻨﺎﻃﻖ ﻛﺎﻧﱰﺑﺮي ‪ /‬وﻳﺴﺘﻼﻧﺪ‪ .‬ﻣﻨﺬ ﻋﺎم ‪ ،2007‬ارﺗﻔﻊ‬ ‫ﻣﺘﻮﺳﻂ ال ﺳﻌﺮ اﻟﻮﻃﻨﻲ ﺑﻨﺴﺒﺔ ‪ 23‬ﰲ اﳌﺎﺋﺔ وﺗﺠﺎوزت ﻓﻘﻂ أوﻛﻼﻧﺪ‬ ‫وﻛﺎﻧﱰﺑﺮي ‪ /‬وﻳﺴﺘﻼﻧﺪ ﻫﺬه اﻟﺰﻳﺎدة‪ ،‬وﺳﺠﻠﺖ ‪ 35‬ﰲ اﳌﺎﺋﺔ و ‪ 34‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬

‫ﻣﻦ ﺣﻴﺚ اﻷﺳﻌﺎر‪ ،‬اﻧﺨﻔﺾ ﻣﺘﻮﺳﻂ اﻟﺴﻌﺮ اﻟﻮﻃﻨﻲ ﳌﻨﺰل ﻫﺎﻣﺸﻴﺎ‬ ‫ﺑﻨﺴﺒﺔ ‪ 0.6‬ﰲ اﳌﺎﺋﺔ )‪ 2,750‬دوﻻر( ﻣﻦ ‪ 430،000‬دوﻻر ﰲ ﻣﺎﻳﻮ‬ ‫‪ .2014‬وﺳﺠﻠﺖ مثﺎين ﻣﻨﺎﻃﻖ ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﺒﻼد زﻳﺎدات ﰲ ﻣﺘﻮﺳﻂ‬ ‫أﺳﻌﺎر اﳌﻨﺎزل‪ ،‬ﻣﻊ أﻛﱪ زﻳﺎدة ﰲ أوﻛﻼﻧﺪ‪ ،‬واﻟﺘﻲ متﺜﻞ ‪ 68‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫ﻫﺬه اﻟﺰﻳﺎدة‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ﻛﺎﻧﱰﺑﺮي ‪ /‬وﻳﺴﺘﻼﻧﺪ واﻳﻜﺎﺗﻮ ‪ /‬ﺑﺎي‪ ،‬ﻣام‬ ‫ﺳﺎﻫﻢ ﰲ زﻳﺎدة ﺑﻨﺴﺒﺔ ‪ 23‬ﰲ اﳌﺎﺋﺔ و ‪ 9‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﻋﲆ اﻟﺘﻮاﱄ‪ ،‬وﻛﺎﻧﺖ‬ ‫اﳌﻨﺎﻃﻖ اﻟﺜﻼث اﳌﺴﺆوﻟﺔ ﻋﻦ ﻣﺠﻤﻮع اﻟﺰﻳﺎدة ﰲ ﻣﺘﻮﺳﻂ اﻟﺴﻌﺮ ﰲ‬ ‫اﻟﻔﱰة ﻣﻦ ﻳﻮﻧﻴﻮ ‪ 2013‬إﱃ ﻳﻮﻧﻴﻮ ‪.2014‬‬

‫وﻣﻊ ذﻟﻚ‪ ،‬ﺗﺮاﺟﻌﺖ اﳌﺒﻴﻌﺎت ﺧﻼل اﻷﺷﻬﺮ اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ‪ .‬ﰲ ﻳﻮﻧﻴﻮ‬ ‫ﻣﻦ ﻋﺎم ‪ ،2014‬ﺗﻢ إمتﺎم ‪ 5،763‬ﻣﻌﺎﻣﻠﺔ ﻣﺒﻴﻌﺎت ﻟﻠﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ‪،‬‬ ‫واﻟﺘﻲ اﻧﺨﻔﻀﺖ ﺑﻨﺴﺒﺔ ‪ 12.3‬ﰲ اﳌﺎﺋﺔ ﻋﻦ اﻟﺸﻬﺮ اﻟﺴﺎﺑﻖ‪ .‬ﺑﺪاﻳﺔ ﻓﺼﻞ‬ ‫اﻟﺸﺘﺎء ﺗﺆﺛﺮ ﻋﲆ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل وﺑﻌﺪ اﻟﺘﻌﺪﻳﻞ اﳌﻮﺳﻤﻲ‪ ،‬ﻛﺎن‬ ‫اﻻﻧﺨﻔﺎض ﰲ اﳌﺒﻴﻌﺎت مبﻌﺪل ‪ 1.9‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﻟﻜﻦ ﻛﺎن ﻻ ﻳﺰال أﻗﻞ ﻣﻦ‬ ‫‪ 9.8‬ﰲ اﳌﺎﺋﺔ ﰲ ﻳﻮﻧﻴﻮ ﻣﻦ ﻋﺎم ‪.2013‬‬

‫ﺧﻼل اﻟﺴﻨﺔ اﳌﻨﺘﻬﻴﺔ ﰲ ﻳﻮﻧﻴﻮ ﻣﻦ ﻋﺎم ‪ ،2014‬ﻛﺎن إﺟامﱄ ﻗﻴﻤﺔ‬ ‫ﻣﺒﻴﻌﺎت اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ ﻣﺨﺘﻠﻒ أﻧﺤﺎء ﻧﻴﻮزﻳﻠﻨﺪا ‪ 39.582‬ﻣﻠﻴﺎر‬ ‫دوﻻر‪ .‬وﻳﻮﺿﺢ ﺗﺤﻠﻴﻞ اﻟﻔﺌﺎت اﳌﺨﺘﻠﻔﺔ ﻣﻦ اﻟﻌﻘﺎرات اﳌﺒﺎﻋﺔ أﻧﻪ ﻛﺎن‬ ‫ﻫﻨﺎك اﻧﺨﻔﺎض ‪ 17.3‬ﰲ اﳌﺎﺋﺔ ﻋﲆ ﺑﻴﻊ اﳌﻨﺎزل اﻟﺘﻲ ﺗﻘﻞ ﻗﻴﻤﺘﻬﺎ ﻋﻦ‬ ‫‪ 400،000‬دوﻻر ﰲ اﻟﻔﱰة ﻣﻦ ﻳﻮﻧﻴﻮ ‪ 2013‬إﱃ ﻳﻮﻧﻴﻮ ‪ .2014‬وﺑﺎﳌﻘﺎرﻧﺔ‪،‬‬ ‫ﻓﺈن اﻟﻔﺌﺎت اﳌﺘﺒﻘﻴﺔ اﻧﺨﻔﻀﺖ ﺑﻨﺴﺒﺔ ‪ 6.1‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻳﻌﺰى ﻫﺬا‬ ‫اﻻﻧﺨﻔﺎض ﰲ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل اﻟﺘﻲ ﺗﻘﻞ ﻗﻴﻤﺘﻬﺎ ﻋﻦ ‪ 400،000‬دوﻻر إﱃ‬

‫‪Change in Median Prices‬‬ ‫‪June 2007 - June 2014‬‬

‫‪700,000‬‬ ‫‪600,000‬‬

‫‪400,000‬‬ ‫‪300,000‬‬

‫‪Mediam Price‬‬

‫‪500,000‬‬

‫‪200,000‬‬ ‫‪100,000‬‬ ‫‪0‬‬

‫‪Southland‬‬

‫‪Manawatu / Wanganui‬‬

‫‪Northland‬‬

‫‪Hawkes Bay‬‬

‫‪Otago‬‬

‫‪Wellington‬‬

‫‪Waikato / BOP‬‬

‫‪Nelson / Marlbrough‬‬

‫‪Central Otago Lakes‬‬

‫‪Taranaki‬‬

‫‪Canterbury/Westland‬‬

‫‪Auckland‬‬

‫‪www.valoran.ae‬‬

‫‪New Zealand‬‬

‫‪JUNE 2014‬‬

‫‪JUNE 2007‬‬

‫)‪Source: Real Estate Institute of New Zealand (REINZ‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﰲ ﻗﻄﺎع اﳌﻜﺎﺗﺐ‪ ،‬ﻛﺎن اﻟﻨﻤﻮ ﺑﻄﻴﺌﺎ ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ اﻟﺴﻨﻮات اﻷوﱃ ﻣﻦ‬ ‫اﻷﻟﻔﻴﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻣﻊ اﻟﺘﺤﺴﻦ ﰲ اﻟﺒﻴﺌﺔ اﻻﻗﺘﺼﺎدﻳﺔ‪ ،‬ازدادت اﻟﺜﻘﺔ ﰲ‬ ‫ﻗﻄﺎع اﻷﻋامل‪ ،‬واﻟﺘﻲ ميﻜﻦ أن ﺗﻐﺬي زﻳﺎدة اﻟﻄﻠﺐ ﻋﲆ اﳌﺴﺎﺣﺎت‬ ‫اﳌﻜﺘﺒﻴﺔ‪ .‬اﻻﺣﺼﺎءات اﻟﺼﺎدرة ﻋﻦ ﻣﻨﻈﻤﺔ اﻟﺘﻌﺎون واﻟﺘﻨﻤﻴﺔ ﰲ اﳌﻴﺪان‬ ‫اﻻﻗﺘﺼﺎدي )‪ (OECD‬ﺗﺸري إﱃ أن ﻣﻌﺪل منﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ‬ ‫اﳌﺘﻮﻗﻊ ﰲ اﻟﺒﻼد ﻣﻦ ‪ 3.5‬ﰲ اﳌﺎﺋﺔ ﻳﺆدي إﱃ أﻗﻮى أداء اﻗﺘﺼﺎدي ﻣﻨﺬ‬ ‫ﻋﺎم ‪.2007‬‬ ‫ﻻ ﻳﻮاﺟﻪ اﻷﺟﺎﻧﺐ أي ﻗﻴﻮد ﻋﲆ ﴍاء اﻟﻌﻘﺎرات ﰲ ﻧﻴﻮزﻳﻠﻨﺪا‪ .‬وﻣﻊ‬ ‫ذﻟﻚ‪ ،‬ﻻ ﻳﻌﻨﻲ اﻣﺘﻼك اﻟﻌﻘﺎرات ﺑﺎﻟﴬورة اﻟﺤﺼﻮل ﻋﲆ اﻟﺤﻖ ﰲ إﻗﺎﻣﺔ‬ ‫دامئﺔ ﰲ اﻟﺒﻼد‪ .‬ﻻ ﻳﻠﺰم ﺗﴫﻳﺢ ﻟﻠﺤﺼﻮل ﻋﲆ اﻟﻌﻘﺎرات اﻟﺘﻲ ﺗﻘﻞ‬ ‫ﻗﻴﻤﺘﻬﺎ ﻋﻦ ‪ 10‬ﻣﻠﻴﻮن دوﻻر ﻧﻴﻮزﻳﻠﻨﺪي‪ ،‬ﰲ ﺣني أﻧﻪ ﻳﺠﺐ ﻋﲆ‬ ‫اﻷﺟﺎﻧﺐ اﻟﺘﻘﺪم ﺑﻄﻠﺐ ﻟﻠﺤﺼﻮل ﻋﲆ ﺗﴫﻳﺢ ﻣﻦ ﻣﻜﺘﺐ اﻻﺳﺘﺜامر‬ ‫اﻟﺨﺎرﺟﻲ ﻟﴩاء أﻧﻮاع ﻣﻌﻴﻨﺔ ﻣﻦ اﻟﻌﻘﺎرات‪ ،‬مبﺎ ﰲ ذﻟﻚ أراﴈ اﻟﺠﺰر‪،‬‬ ‫ﻋﻘﺎرات اﳌﻨﺎﻃﻖ اﻟﱰاﺛﻴﺔ أو اﳌﺤﻤﻴﺎت اﻟﻄﺒﻴﻌﻴﺔ وﻛﺬﻟﻚ اﻷراﴈ اﻟﺘﻲ‬ ‫ﺗﺘﺠﺎوز ‪ 0.4‬ﻫﻜﺘﺎر ﺑﺎﻟﻘﺮب ﻣﻦ اﻟﺒﺤريات وﺷﻮاﻃﺊ اﻟﺒﺤﺎر‪ .‬ﻛام ﻳﺠﺐ‬ ‫اﻟﺤﺼﻮل ﻋﲆ ﺗﴫﻳﺢ أﻳﻀﺎ ﻟﴩاء اﳌﻤﺘﻠﻜﺎت اﻟﺰراﻋﻴﺔ اﻟﺘﻲ ﺗﺰﻳﺪ‬ ‫ﻣﺴﺎﺣﺘﻬﺎ ﻋﻦ ‪ 5‬ﻫﻜﺘﺎر أو ﻗﻴﻤﺘﻬﺎ أﻛرث ﻣﻦ ‪ 10‬ﻣﻠﻴﻮن دوﻻر ﻧﻴﻮزﻳﻠﻨﺪي‪.‬‬ ‫ﺗﻜﺎﻟﻴﻒ اﳌﻌﺎﻣﻼت ﻟﴩاء اﻟﻌﻘﺎرات ﻣﻨﺨﻔﻀﺔ ﻧﺴﺒﻴﺎ ﰲ ﻧﻴﻮزﻳﻠﻨﺪا‪،‬‬ ‫ﺣﻴﺚ ﻳﺒﻠﻎ ﻣﺘﻮﺳﻄﻬﺎ ﺑني ‪ 4.25‬ﰲ اﳌﺎﺋﺔ و‪ 5.74‬ﰲ اﳌﺎﺋﺔ‪.‬‬

‫‪Transaction Costs‬‬ ‫?‪Who Pays‬‬

‫‪Buyer‬‬

‫)‪NZ$80 (US$70‬‬

‫‪Registration Fee‬‬

‫‪Buyer‬‬

‫)‪NZ$1,500 (US$1,304‬‬

‫‪Converyancer Fee‬‬

‫‪Seller‬‬

‫)‪3.5% - 4% (+ 12.5% GST‬‬

‫‪Real Estate Agent’s Fee‬‬

‫‪0.21% - 0.74%‬‬

‫‪Costs paid by buyer‬‬

‫‪4.04% - 5.00%‬‬

‫‪Costs paid by seller‬‬

‫‪4.25% - 5.74%‬‬

‫‪Roundtrip Transaction Costs‬‬ ‫‪Source: Global Property Guide‬‬

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‫ﻣﻨﺬ أن ﺑﺪأ ﻳﺘﻌﺎﰱ ﰲ ﻋﺎم ‪ ،2011‬ﺑﺪأ ﺳﻮق اﻟﻌﻘﺎرات ﰲ ﻧﻴﻮزﻳﻠﻨﺪا ﰲ اﻟﻨﻤﻮ ﺑﺎﻃﺮاد وﻣﻮاﻛﺒﺔ‬ ‫اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي اﳌﺘﻮاﺿﻊ ﻣﻨﺬ ﻓﱰة اﻟﺮﻛﻮد ﰲ ‪ .2007-2008‬أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﻗﺪ ارﺗﻔﻌﺖ‪ ،‬ﻣﻊ‬ ‫اﻟﻨﻤﻮ اﳌﺴﺠﻞ ﰲ ‪ 11‬ﻣﻦ أﺻﻞ ‪ 12‬ﻣﻨﻄﻘﺔ ﰲ اﻟﺒﻼد‪ .‬وارﺗﻔﻌﺖ أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﺑﻨﺴﺒﺔ‬ ‫‪ 9.2‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﺮﺑﻊ اﻷول ﻣﻦ اﻟﻌﺎم‪ ،‬وﻓﻘﺎ ﳌﺆﴍ أﺳﻌﺎر اﳌﻨﺎزل اﻟﻌﺎﳌﻲ ﰲ ﻧﺎﻳﺖ ﻓﺮاﻧﻚ‬ ‫اﳌﻨﺘﻬﻲ ﰲ ﻣﺎرس ﻋﺎم ‪ ،2014‬وﺿﻊ اﻟﺒﻠﺪ ﰲ اﳌﺮﺗﺒﺔ ‪ 11‬ﰲ اﻟﻌﺎمل ﻣﻦ ﺣﻴﺚ منﻮ اﻷﺳﻌﺎر‪.‬‬

‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻣﺮيئ ﻻﺳﻄﻮاﻧﺎت ﻣﺤﺮك اﻟﺴﻴﺎرة‪ .‬ﰲ اﻟﺴﺎﻋﺎت اﻟﺘﻘﻠﻴﺪﻳﺔ‪ ،‬ﻳﺴﺘﺨﺪم‬ ‫اﻟﺠﺰء اﻟﺪوار ﰲ إرﺟﺎع اﻹﺳﻄﻮاﻧﺎت‪ ،‬وﻟﻜﻦ اﳌﻮدﻳﻞ اﻟﺠﺪﻳﺪ ﻟﻪ وزن ذو‬ ‫اﻧﺰﻻق ﺧﻄﻲ ﻳﺘﺤﺮك ذﻫﺎﺑﺎ وإﻳﺎﺑﺎ ﻣﻊ اﻟﺤﺮﻛﺎت اﻟﻄﺒﻴﻌﻴﺔ ﻟﻠﻌﻘﺮب‪ .‬ﺛﻢ‬ ‫ﻳﺘﻢ ﺟﻤﻊ اﻟﻄﺎﻗﺔ اﳌﻮﻟﺪة ﻣﻦ ﻫﺬه اﻟﺤﺮﻛﺔ وﺗﺨﺰﻳﻨﻬﺎ ﰲ اﻻﺳﻄﻮاﻧﺎت‪.‬‬ ‫ﻣﻮﻧﺎﻛﻮ ‪ V4‬ﺗﻮرﺑﻴﻠﻮن ﺗﺘﻮﻓﺮ ﻓﻘﻂ ﺑﺎﻟﻄﻠﺐ وﺗﺒﻠﻎ ﻗﻴﻤﺘﻬﺎ ‪165,000‬‬ ‫دوﻻر‪.‬‬

‫دﻳﺠﻴﺘﺎل‪ .‬اﻟﴩﻛﺔ‪ ،‬اﻟﺘﻲ ﺗﻌﺘﱪ راﺋﺪة ﻣﻦ ﺣﻴﺚ اﻟﻘﻴﻤﺔ ﰲ ﻫﺬه اﻟﺼﻨﺎﻋﺔ‪،‬‬ ‫اﺷﺘﻬﺮت مبﺸﻐﻞ اﻷﻗﺮاض اﳌﻀﻐﻮﻃﺔ ‪ ، BDP-105‬واﻟﺬي ﺣﺼﻞ ﻋﲆ‬ ‫اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺠﻮاﺋﺰ ﻟﻘﺪرﺗﻪ ﻋﲆ ﺗﺠﻤﻴﻊ ﻣﺎ ﻳﺼﻞ إﱃ أرﺑﻊ وﺣﺪات‬ ‫ﻫﺎي ﻓﺎي ﰲ ﺻﻨﺪوق واﺣﺪ‪.‬‬ ‫اﻵن‪ ،‬وﻣﻊ إﺻﺪار ﺳامﻋﺎت اﻟﺮأس ‪ ، PM-1‬ﺗﺪﺧﻞ اﻟﴩﻛﺔ إﱃ ﻗﻄﺎع‬ ‫ﺳامﻋﺎت اﻟﺮأس‪ .‬ﺳامﻋﺎت اﻟﺮأس‪ ، PM-1‬واﻟﺘﻲ ﺗﺼﻞ ﻗﻴﻤﺘﻬﺎ إﱃ‬ ‫‪ 1,099‬دوﻻر أﻣﺮﻳيك‪ ،‬ﺗﺸﺒﻪ ﺳامﻋﺎت ﻣﻨﺎﻓﺴﺔ ﻣﺜﻞ أودﻳﺰ وﻫﺎﻳﻔﺎميﺎن‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﺳامﻋﺎت اوﺑﻮ ﺗﺴﺘﺨﺪم ﻧﻈﺎم اﻟﺘﺸﻐﻴﻞ اﳌﻐﻨﺎﻃﻴﴘ اﻟﺬي‬ ‫ﻳﻌﻤﻞ وﻓﻖ أﺳﻠﻮب اﻟﻌﻨﴫ اﳌﺤﺪود ﻟﻠﻤﺴﺎﻋﺪة ﰲ اﺳﺘﻘﺮار اﻻﺳﺘﺠﺎﺑﺔ‬ ‫ﻟﻠﱰدد‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪،‬ﺗﻌﺪ أﻳﻀﺎً ﺳامﻋﺎت اﻟﺮأس‪ PM-1‬أﺳﻬﻞ ﰲ‬ ‫ﺗﺸﻐﻴﻠﻬﺎ ﻣﻊ اﻟﻬﺎﺗﻒ اﻟﺬيك أو ﺟﻬﺎز اﳌﻮﺳﻴﻘﻰ اﳌﺤﻤﻮل ﻷﻧﻬﺎ ﺗﺴﺘﺨﺪم‬ ‫ﻣﺸﻐﻼت ﻏﺸﺎﺋﻴﺔ ﻣﻦ ﺳﺒﻊ ﻃﺒﻘﺎت وﺛﻨﺎﺋﻴﺔ اﻷوﺟﻪ واﻟﺘﻲ ﺗﻮﻓﺮ ﻛﻔﺎءة‬ ‫ﻣﺘﻔﻮﻗﺔ ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ ﺳامﻋﺎت ﻣامﺛﻠﺔ‪ .‬ﻋﻨﺪﻣﺎ ﺗﺘﺼﻞ مبﻜﱪ ﺻﻮت‬ ‫ﺳامﻋﺎت اﻟﺮأس اﳌﺨﺼﺺ ‪ ،HA-1‬ﺗﻮﻓﺮ ﺳامﻋﺎت‪ PM-1‬ﺗﺠﺮﺑﺔ‬ ‫اﺳﺘامع ﻻ ﻣﺜﻴﻞ ﻟﻬﺎ‪.‬‬ ‫ﻣﻜﱪ اﻟﺼﻮت‪ ، HA-1‬اﻟﺬي ﺗﺒﻠﻎ ﻗﻴﻤﺘﻪ ﺣﻮاﱄ ‪ 1,199‬دوﻻر أﻣﺮﻳيك‪،‬‬ ‫ﺗﻢ ﺗﺼﻤﻴﻤﻪ ﺑﻨﻈﺎم رﻗﻤﻲ إﱃ ﺗﻨﺎﻇﺮي )‪ (DAC‬وﻳﺘﻴﺢ ﺗﺸﻐﻴﻞ اﳌﻠﻔﺎت‬ ‫اﻟﺼﻮﺗﻴﺔ ﻣﻦ أﺟﻬﺰة اﻟﺠﻮال ﻻﺳﻠﻜﻴﺎً‪ .‬وميﻜﻦ ﻟﻠﻤﺴﺘﻤﻌني ﺗﺸﻐﻴﻞ‬ ‫ﻣﺠﻤﻮﻋﺔ ﻣﻦ ﻣﻠﻔﺎت اﳌﻮﺳﻴﻘﻰ اﻟﻘﻴﺎﺳﻴﺔ أو ﻋﺎﻟﻴﺔ اﻟﺪﻗﺔ ﻣﻦ ﻣﺠﻤﻮﻋﺔ‬ ‫ﻣﺘﻨﻮﻋﺔ ﻣﻦ ﻣﺼﺎدر اﳌﺪﺧﻼت‪ ،‬مبﺎ ﰲ ذﻟﻚ ‪USB، XLR، RCA، AES/‬‬ ‫‪ EBU‬و ‪.S/PDIF‬‬

‫ﻳﺒﺪو أن ﺗﺠﺮﺑﺔ اﻻﺳﺘامع اﻟﺸﺨﺼﻴﺔ ﻷﺟﻬﺰة اﻟﻬﺎي ﻓﺎي ﻫﻲ اﻻﺗﺠﺎه‬ ‫اﻟﺠﺪﻳﺪ ﺑني ﻋﺸﺎق اﳌﻮﺳﻴﻘﻰ‪ .‬ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ‪،‬‬ ‫أﺻﺪر ت اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﴩﻛﺎت اﳌﺼﻨﻌﺔ ﻷﺟﻬﺰة أودﻳﻮﻓﻴﻞ ﺳامﻋﺎت‬ ‫ﻣﻤﻴﺰة ﻣﺼﺤﻮﺑﺔ مبﻜﱪات ﺻﻮت ﺳامﻋﺎت اﻟﺮأس‪ .‬أﺣﺪث اﳌﻨﻀﻤني إﱃ‬ ‫اﳌﻨﺎﻓﺴﺔ ﻛﺎﻧﺖ اﻟﴩﻛﺔ اﻟﺘﻲ ﺗﺘﺨﺬ ﻣﻦ ﺳﻴﻠﻴﻜﻮن ﻓﺎﱄ ﻣﻘﺮا ً ﻟﻬﺎ أوﺑﻮ‬

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‫‪2014‬‬

‫‪60‬‬ ‫أﻋﻠﻨﺖ ﻣﺠﻤﻮﻋﺔ أرﻣﺎين ﻋﻦ أول ﻣﴩوع ﺳﻜﻨﻲ ﻟﻬﺎ ﰲ اﻟﻮﻻﻳﺎت‬ ‫اﳌﺘﺤﺪة – ذا رﻳﺰﻳﺪﻧﺴﻴﺰ ‪ -‬دﻳﺰﻳﺮ دﻳﻔﻮﻟﻮمبﻨﺖ و ذا رﻳﻼﺗﻴﺪ ﻏﺮوب‬ ‫ﺳﻮف ﺗﻜﻮﻧﺎن ﴍﻛﺎء ﰲ ﻫﺬا اﻟﺘﻄﻮر‪ ،‬اﻟﺬي ﺳﻴﻀﻢ ﺑﺮج ﻋﲆ ﺳﺎﺣﻞ‬ ‫اﳌﺤﻴﻂ ﻣﻦ ‪ 60‬ﻃﺎﺑﻘﺎ‪ .‬ﻳﻘﻊ ﻋﲆ ﺷﺎرع ﻛﻮﻟﻴﻨﺰ ﰲ ﺻﻨﻲ ﺑﻴﺘﺶ‪ ،‬ﻓﻠﻮرﻳﺪا‪،‬‬ ‫وﺳﻴﺘﻢ ﺗﺼﻤﻴﻢ اﻟﱪج اﻟﺸﺎﻫﻖ ﻣﻦ ﻗﺒﻞ ﺳﻴﺰار ﺑﻴﲇ اﳌﻬﻨﺪس اﳌﻌامري‬ ‫اﻷرﺟﻨﺘﻴﻨﻲ اﳌﻮﻟﺪ اﻟﺬي ﻳﺸﺘﻬﺮ ﺑﺎﻹﺑﺘﻜﺎرات اﻹﺑﺪاﻋﻴﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ أﺑﺮاج‬ ‫ﺑﱰوﻧﺎس ﰲ ﻣﺎﻟﻴﺰﻳﺎ‪.‬‬

‫ﺳﻴﺘﻢ ﺑﻨﺎء ﺑﺮج ذا رﻳﺰﻳﺪﻧﺴﻴﺰ ﻣﻦ ﻗﺒﻞ أرﻣﺎين ‪ /‬ﻛﺎﺳﺎ ﻋﲆ ﻏﺮار ﻋﻘﺎرات‬ ‫أرﻣﺎين ‪ /‬ﻛﺎﺳﺎ اﳌﻮﺟﻮدة ﰲ ﻣﺪن ﻣﺨﺘﻠﻔﺔ ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ ،‬ﻣﺜﻞ‬ ‫ﻣﺎﻛﺎ رﻳﺰﻳﺪﻧﺴﻴﺰ ﰲ اﺳﻄﻨﺒﻮل‪ .‬وﺳﻴﻀﻢ اﳌﴩوع ﻣﺎ ﻣﺠﻤﻮﻋﻪ ‪ 260‬ﻣﻦ‬ ‫اﳌﺴﺎﻛﻦ اﻟﻔﺎﺧﺮة وﺳﻮف ﻳﺘﻤﻴﺰ ﺑﺎﻟﺘﺼﻤﻴﻢ اﻟﺠامﱄ ﻟﺠﻮرﺟﻴﻮ أرﻣﺎين‪،‬‬ ‫دون اﳌﺴﺎوﻣﺔ ﻋﲆ اﻟﻨﺎﺣﻴﺔ اﻟﻮﻇﻴﻔﻴﺔ واﻟﺮاﺣﺔ‪ .‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﻜﺘﻤﻞ‬ ‫اﳌﴩوع ﰲ ﻋﺎم ‪.2016‬‬

‫‪V4‬‬ ‫ﺿﻤﻦ اﻻﺣﺘﻔﺎل ﺑﺎﻟﺬﻛﺮى اﻟﻌﺎﴍة ﻹﺻﺪار أول ﺳﺎﻋﺔ ﻣﻮﻧﺎﻛﻮ ‪– V4‬‬ ‫وﻫﻲ اﻟﺴﺎﻋﺔ اﻟﺘﻲ ﺗﺴﺘﺨﺪم ﻣﺠﻤﻮﻋﺔ ﻧﻘﻞ اﻟﺤﺮﻛﺔ اﻟﺘﻲ ﻳﺤﺮﻛﻬﺎ ﺣﺰام‬ ‫ﺑﺪﻻ ﻣﻦ اﻟﱰوس ‪ -‬أﺻﺪرت ﺗﺎغ ﻫﻮﻳﺮ ﻧﺴﺨﺔ ﺧﺎﺻﺔ ﻣﻦ ﻣﻮﻧﺎﻛﻮ ‪V4‬‬ ‫ﻣﻌﺰزة ﺑﺎﻟﺘﻮرﺑﻴﻠﻮن‪.‬‬ ‫ﻟﻄﺎﳌﺎ ارﺗﺒﻄﺖ اﻟﴩﻛﺔ ﺑﺴﺒﺎﻗﺎت اﻟﻔﻮرﻣﻮﻻ ‪ 1‬وﻛﺎﻧﺖ اﻟﺴﺎﻋﺎت اﻟﺮﺳﻤﻴﺔ‬ ‫ﻟﻔﺮﻳﻖ ﻣﻜﻼرﻳﻦ ﳌﺎ ﻳﻘﺮب ﻣﻦ ﺛﻼﺛﺔ ﻋﻘﻮد‪ .‬وﺗﻬﺪف ﻣﻴﺰة اﻟﺤﺰام إﱃ‬ ‫اﻟﻘﻴﺎم ﺑﺪور ﺗﺬﻛﺎري ﻟﻬﺬه اﻟﴩاﻛﺔ ﻷﻧﻬﺎ ﺗﻌﻴﺪ إﱃ اﻷذﻫﺎن اﻷﺣﺰﻣﺔ‬ ‫اﳌﻮﺟﻮدة ﰲ ﻣﺤﺮك ﺳﻴﺎرة اﻟﺴﺒﺎق‪ .‬ﻛﺎن اﻟﺘﺤﺪي ﻫﻮ ﺧﻠﻖ آﻟﻴﺔ رﻗﻴﻘﺔ‬ ‫وﻗﻮﻳﺔ ﻟﻠﻐﺎﻳﺔ‪ ،‬وﻗﺪ ﺗﺤﻘﻖ ﻫﺬا ﰲ ﻧﻬﺎﻳﺔ اﳌﻄﺎف ﻣﻦ ﺧﻼل اﻻﺳﺘﻔﺎدة‬ ‫ﻣﻦ اﻟﺒﻮﻟﻴﻤﺮ اﻟﺬي ﻳﺘﻢ ﺗﻘﻄﻴﻌﻪ ﺑﺎﻟﻠﻴﺰر‪ .‬وﻗﺪ أﺿﻴﻒ ﻟﻠﻤﻮدﻳﻞ اﻟﺠﺪﻳﺪ‬ ‫ﺗﻮرﺑﻴﻠﻮن ﻳﺤﺮﻛﻪ ﻧﻈﺎم أﺣﺰﻣﺔ‪ ،‬ﻣام ﻳﺆدي إﱃ دوران أﻛرث ﺳﻼﺳﺔ‪.‬‬ ‫ﻋﲆ ﻏﺮار اﳌﻮدﻳﻼت اﻟﺴﺎﺑﻘﺔ ﻣﻦ اﻟﺴﺎﻋﺔ‪ ،‬ﻳﻮﺟﺪ مبﻮﻧﺎﻛﻮ ‪ V4‬ﺗﻮرﺑﻴﻠﻮن‬ ‫أرﺑﻌﺔ اﺳﻄﻮاﻧﺎت وﺿﻌﺖ ﻋﲆ اﻟﻠﻮﺣﺔ اﻟﺮﺋﻴﺴﻴﺔ‪ ،‬وﻫﻲ مبﺜﺎﺑﺔ ﺗﺬﻛري‬

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‫ﰲ ﺣني ارﺗﻔﻊ اﻻﻗﺘﺼﺎد مبﻌﺪل ‪ 230،000‬وﻇﻴﻔﺔ ﺗﺘﻢ إﺿﺎﻓﺘﻬﺎ ﺷﻬﺮﻳﺎ‪،‬‬ ‫ﻣﻨﻊ اﻟﺮﻛﻮد ﰲ ارﺗﻔﺎع اﻷﺟﻮر ﻣﻦ ﺑﻴﻊ اﳌﻨﺎزل ﺑﻮﺗرية أﻗﻮى‪ .‬وﻳﺮﺟﻊ ذﻟﻚ‬ ‫إﱃ اﻧﺨﻔﺎض اﻟﻌﺮض‪ ،‬وﻛﺎﻧﺖ ﻧﺴﺒﺔ ﻛﺒرية ﻣﻦ اﳌﺸﱰﻳﻦ اﳌﺤﺘﻤﻠني‬ ‫ﻟﻠﻤﻨﺎزل ﻏري ﻗﺎدرﻳﻦ ﻋﲆ اﻻﺳﺘﻔﺎدة ﻣﻦ اﻧﺨﻔﺎض أﺳﻌﺎر اﻟﻔﺎﺋﺪة‪.‬‬ ‫ﻣﻊ زﻳﺎدة إﺟامﱄ ﻣﺨﺰون اﳌﺴﺎﻛﻦ ﺑﻨﺴﺒﺔ ‪ 2.2‬ﰲ اﳌﺎﺋﺔ ﰲ ﺷﻬﺮ ﻳﻮﻧﻴﻮ‪،‬‬ ‫ﻛﺎن ﻫﻨﺎك ‪ 2.3‬ﻣﻠﻴﻮن ﻣﻨﺰل ﻗﺎﺋﻢ ﻣﺘﺎح ﻟﻠﺒﻴﻊ‪ ،‬وﻫﻮ ﻣﺎ ميﺜﻞ اﳌﻌﺮوض‬ ‫ﺧﻼل ﻓﱰة ﺧﻤﺴﺔ أﺷﻬﺮ وﻧﺼﻒ ﺑﺎﻟﻮﺗرية اﻟﺤﺎﻟﻴﺔ ﻟﻠﻤﺒﻴﻌﺎت‪ .‬ﻣﻘﺎرﻧﺔ‬ ‫ﻣﻊ اﻟﻌﺎم اﳌﺎﴈ‪ ،‬ﻋﻨﺪﻣﺎ ﻛﺎن ﻫﻨﺎك ‪ 2.16‬ﻣﻨﺰﻻ ﻗﺎمئﺎ ﰲ اﻟﺴﻮق‪ ،‬ﻛﺎﻧﺖ‬ ‫ﻧﺴﺒﺔ اﳌﻨﺎزل اﻟﻐري ﻣﺒﺎﻋﺔ ﰲ ﻳﻮﻧﻴﻮ ﻣﻦ ﻋﺎم ‪ 2014‬أﻋﲆ ﺑﻨﺴﺒﺔ ‪ 6.5‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬وﻛﺎﻧﺖ ﻣﺒﻴﻌﺎت اﳌﻼك اﳌﺘﻌرثﻳﻦ ‪ -‬ﻛﻞ ﻣﻦ اﻟﺮﻫﻦ اﻟﻌﻘﺎري )‪8‬‬ ‫ﰲ اﳌﺎﺋﺔ( واﻟﺒﻴﻊ اﻟﻘﺼري )‪ 3‬ﰲ اﳌﺎﺋﺔ( ‪ -‬متﺜﻞ ‪ 11‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﻌﺎﻣﻼت‬ ‫ﰲ ﻳﻮﻧﻴﻮ‪ .‬وﻛﺎن ﻫﺬا اﻻﻧﺨﻔﺎض ﺑﻨﺴﺒﺔ ‪ 15‬ﰲ اﳌﺎﺋﺔ ﻋﻦ ﺷﻬﺮ ﻳﻮﻧﻴﻮ‬ ‫‪ .2013‬ﻛﺎﻧﺖ أﺳﻌﺎر اﻟﺒﻴﻊ ﻣﻦ ﺣﺎﻻت اﻟﺮﻫﻦ اﻟﻌﻘﺎري واﻟﺒﻴﻊ اﻟﻘﺼري‬ ‫‪ 20‬ﰲ اﳌﺎﺋﺔ و ‪ 11‬ﰲ اﳌﺎﺋﺔ أﻗﻞ ﻣﻦ ﻗﻴﻤﺔ اﻟﺴﻮق‪ ،‬ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫وارﺗﻔﻌﺖ ﻣﺒﻴﻌﺎت ﻣﻨﺎزل اﻟﻌﺎﺋﻠﺔ اﻟﻮاﺣﺪة ﺑﻨﺴﺒﺔ ‪ 2.5‬ﰲ اﳌﺎﺋﺔ ﻣﻊ‬ ‫ﻣﺘﻮﺳﻂ ﺳﻌﺮ ﻣﻨﺰل اﻟﻌﺎﺋﻠﺔ اﻟﻮاﺣﺪة ﺑﻘﻴﻤﺔ ‪ 224،300‬دوﻻر ﰲ ﻳﻮﻧﻴﻮ‬ ‫– أي ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 4.5‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﺳﺎس ﺳﻨﻮى‪ .‬وارﺗﻔﻌﺖ ﻣﺒﻴﻌﺎت‬ ‫اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ اﻟﻘﺎمئﺔ ووﺣﺪات اﻻﺳﻜﺎن اﻟﺘﻌﺎوين ﺑﻨﺴﺒﺔ ‪ 3.4‬ﰲ‬ ‫اﳌﺎﺋﺔ وﻛﺎن ﻣﺘﻮﺳﻂ أﺳﻌﺎر اﻟﺸﻘﻖ اﻟﺨﺎﺻﺔ ﺣﻮاﱄ ‪ 215،700‬دوﻻر ﰲ‬ ‫ﻳﻮﻧﻴﻮ ﻣﻦ ﻋﺎم ‪ ،2014‬أي ﺑﺎرﺗﻔﺎع ﻗﺪره ‪ 3.2‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺸﻬﺮ‬ ‫ﻳﻮﻧﻴﻮ ‪.2013‬‬

‫ﻣﻨﺬ أن ﺗﻢ إدراﺟﻬﺎ ﺿﻤﻦ ﻗﺎمئﺔ اﻛرث ‪ 10‬ﺑﻠﺪان ﰲ اﻟﻌﺎمل ﻟﺪﻳﻬﺎ إﻣﻜﺎﻧﺎت‬ ‫منﻮ ﺳﻴﺎﺣﻴﺔ ﻋﲆ اﳌﺪى اﻟﻄﻮﻳﻞ‪ ،‬ﺗﻢ ﺗﻌﻴني ﺳﻮق اﻻﺳﺘﺜامر اﻟﻌﻘﺎري ﰲ‬ ‫اﻟﺮأس اﻷﺧﴬ ﻟﻠﺤﺼﻮل ﻋﲆ دﻓﻌﺔ‪ .‬واﻟﺪوﻟﺔ اﻟﺘﻲ ﺗﻘﻊ ﻗﺒﺎﻟﺔ ﺳﻮاﺣﻞ‬ ‫ﻏﺮب أﻓﺮﻳﻘﻴﺎ‪ ،‬وﻳﺸﺎر إﻟﻴﻬﺎ ﺑﺎﳌﻨﻄﻘﺔ اﻟﻜﺎرﻳﺒﻴﺔ اﻹﻓﺮﻳﻘﻴﺔ‪ ،‬ﺷﻬﺪت زﻳﺎدة‬ ‫ﰲ ﻋﺪد اﻟﺴﻴﺎح ﺑﻨﺴﺒﺔ ‪ 115‬ﰲ اﳌﺎﺋﺔ ﻣﻨﺬ ﻋﺎم ‪ .2000‬ﻫﺬا اﻟﻌﺎم‪ ،‬ﻳﻘﺪر‬ ‫ﻣﺴﺆوﻟﻮن أن اﻷرﻗﺎم ﻗﺪ ﺗﺼﻞ إﱃ ‪ 1‬ﻣﻠﻴﻮن ﺳﺎﺋﺢ‪.‬‬ ‫وﺗﺸري ﺑﻴﺎﻧﺎت ﻣﻦ ﻣﺠﻠﺲ اﻟﺴﻔﺮ واﻟﺴﻴﺎﺣﺔ اﻟﻌﺎﳌﻲ أﻧﻪ ﰲ ﻋﺎم ‪2013‬‬ ‫ﻛﺎن ﺣﻮاﱄ ‪ 16.2‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﰲ اﻟﺒﻼد ﻣﻦ‬ ‫ﻗﻄﺎع اﻟﺴﻔﺮ واﻟﺴﻴﺎﺣﺔ‪ ،‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺮﺗﻔﻊ ﻣﺴﺎﻫﻤﺔ ﻫﺬا اﻟﻘﻄﺎع‬

‫إﱃ ‪ 20‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﺑﺤﻠﻮل ﻋﺎم ‪ .2024‬وﻫﺬه‬ ‫اﻷرﻗﺎم ﺗﻀﻊ ﻫﺬا اﻟﺒﻠﺪ ﰲ اﳌﺮﺗﺒﺔ ‪) 40‬ﻣﻦ ﺑني ‪ 184‬دوﻟﺔ( ﻣﻦ ﺣﻴﺚ‬ ‫ﺗﻮﻗﻌﺎت اﻟﻨﻤﻮ ﻟﻌﺎم ‪ 2014‬و‪ 10‬ﻣﻦ ﺣﻴﺚ إﻣﻜﺎﻧﺎت اﻟﻨﻤﻮ ﻋﲆ اﳌﺪى‬ ‫اﻟﻄﻮﻳﻞ ﻋﲆ ﻣﺪى اﻟﻌﻘﺪ اﳌﻘﺒﻞ‪ .‬ﰲ ﻋﺎم ‪ ،2013‬ﺗﻢ دﻋﻢ ﺣﻮاﱄ ‪32،000‬‬ ‫ﻓﺮﺻﺔ ﻋﻤﻞ ﰲ ﻗﻄﺎع اﻟﺴﻔﺮ واﻟﺴﻴﺎﺣﺔ‪ ،‬وﻫﻮ ﻣﺎ ميﺜﻞ ‪ 14.5‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫إﺟامﱄ اﻟﻌامﻟﺔ‪ .‬ﰲ ﻋﺎم ‪ ،2014‬ﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺘﻀﺎﻋﻒ اﻟﻌﺪد إﱃ‬ ‫‪ 64،000‬وﻇﻴﻔﺔ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﻀﻴﻒ ﻣﺎ ﻳﺼﻞ اﱃ ‪ 23.3‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫إﺟامﱄ ﻧﺴﺒﺔ اﻟﻌامﻟﺔ ﰲ اﻟﺒﻼد‪.‬‬ ‫اﻻﻫﺘامم اﻟﺬي أﺑﺪﺗﻪ ﺳﻼﺳﻞ اﻟﻔﻨﺎدق اﻟﻌﺎﳌﻴﺔ ﻫﻮ دﻟﻴﻞ ﻋﲆ اﳌﻘﻮﻣﺎت‬ ‫اﻟﺴﻴﺎﺣﻴﺔ ﰲ اﻟﺒﻼد‪ .‬ﰲ اﻵوﻧﺔ اﻷﺧرية‪ ،‬وﺿﻌﺖ ﻫﻴﻠﺘﻮن اﻷﺳﺎس ﳌﴩوع‬ ‫ﰲ ﺟﺰﻳﺮة ﺳﺎل‪ .‬وﻳﻌﺪ اﻟﻔﻨﺪق اﳌﻘﱰح اﳌﻜﻮن ﻣﻦ ‪ 240‬ﻏﺮﻓﺔ ﻫﻮ أول‬ ‫ﻣﴩوع ﻟﻠﺴﻠﺴﻠﺔ اﻟﻌﺎﳌﻴﺔ ﰲ اﻟﺮأس اﻷﺧﴬ وﺗﻘﺪر ﻗﻴﻤﺘﻪ ﺑﺤﻮاﱄ ‪46‬‬ ‫ﻣﻠﻴﻮن ﻳﻮرو‪ .‬ﻛام أن ﺳﻠﺴﻠﺔ ﻓﻨﺎدق اﻷﺳﺒﺎﻧﻴﺔ‪ ،‬ﻣﻴﻠﻴﺎ ﻟﺪﻳﻬﺎ أرﺑﻌﺔ‬ ‫ﻣﺸﺎرﻳﻊ ﺗﻢ اﻹﻧﺘﻬﺎء ﻣﻦ ﺑﻌﻀﻬﺎ واﻟﺒﻌﺾ اﻵﺧﺮ ﻗﻴﺪ اﻟﺘﻄﻮﻳﺮ‪ .‬أوﻟﻬﺎ ‪-‬‬ ‫ﻣﻴﻠﻴﺎ ﺗﻮرﺗﻮﺟﺎ ﺑﻴﺘﺶ اﻟﺬي ﻗﺎم ﺑﺎﺳﺘﻀﺎﻓﺔ أﻛرث ﻣﻦ ﻧﺼﻒ ﻣﻠﻴﻮن زاﺋﺮ‬ ‫ﻣﻨﺬ اﻓﺘﺘﺎﺣﻪ ﰲ ﻋﺎم ‪ .2011‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺘﻢ اﻓﺘﺘﺎح ﻣﻴﻠﻴﺎ دوﻧﺎس‬ ‫ﺑﻴﺘﺶ رﻳﺰورت ﰲ وﻗﺖ ﻻﺣﻖ ﻣﻦ ﻫﺬا اﻟﻌﺎم‪ ،‬ﰲ ﺣني أن اﳌﴩوع‬ ‫اﻟﺜﺎﻟﺚ ‪ -‬ﻣﻴﻠﻴﺎ ﻟﻼﻧﺎ ﺑﻴﺘﺶ ﺳﻴﻜﻮن ﺟﺎﻫﺰا ﻻﺳﺘﻘﺒﺎل اﻟﻨﺰﻻء ﰲ ﻋﺎم‬ ‫‪ .2016‬اﳌﴩوع اﻟﺮاﺑﻊ‪ ،‬اﻟﺬي ﻳﺠﺮي ﺣﺎﻟﻴﺎ ﺗﺴﻮﻳﻘﻪ ﻣﻦ ﻗﺒﻞ اﻟﺴﻠﺴﻠﺔ‪،‬‬ ‫ﺳﻮف ﻳﺘﻢ اﻓﺘﺘﺎﺣﻪ ﰲ ﻋﺎم ‪ 2018‬وﺳﻮف ﻳﺮﺑﺢ اﳌﺴﺘﺜﻤﺮون ﻋﻮاﺋﺪ‬ ‫ﺑﻨﺴﺒﺔ ‪ 7‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻴﻮم اﻷول ﻣﻦ اﻓﺘﺘﺎﺣﻪ‪ .‬ﺑﺎﺳﺘﺜامرات ﺗﺒﻠﻎ‬ ‫‪ 10،000‬ﺟﻨﻴﻪ اﺳﱰﻟﻴﻨﻲ‪ ،‬ﺳﻮف ﻳﺤﺼﻞ اﳌﺴﺘﺜﻤﺮون ﻋﲆ ﻣﻠﻜﻴﺔ ﺳﺪس‬ ‫ﻏﺮﻓﺔ ﻣﻄﻠﺔ ﻋﲆ اﻟﺤﺪﻳﻘﺔ أو ﻏﺮﻓﺔ اﻟﻔﻨﺪق اﳌﺘﻤﻴﺰة ﻗﺒﻞ إﻧﺸﺎﺋﻬﺎ واﻟﺘﻲ‬ ‫ﺳﺘﻌﻮد ﻋﻠﻴﻬﻢ ﺑﻔﺎﺋﺪة ‪ 7‬ﰲ اﳌﺎﺋﺔ ﻣﻀﻤﻮﻧﺔ ﳌﺪة أرﺑﻊ ﺳﻨﻮات أو ﺣﺘﻰ‬ ‫ﻳﺘﻢ اﻓﺘﺘﺎح اﳌﻨﺘﺠﻊ‪ ،‬أﻳﻬام أﺳﺒﻖ‪ .‬ﺑﻌﺪ اﻻﻧﺘﻬﺎء‪ ،‬ﺗﺼﺒﺢ اﻟﻮﺣﺪة ﺟﺰءا ﻣﻦ‬ ‫ﺑﺮﻧﺎﻣﺞ ﺗﺄﺟري ﻣﻊ اﻟﻌﺎﺋﺪات اﻟﺴﻨﻮﻳﺔ اﳌﺴﺘﺤﻘﺔ ﻟﻠﻤﺴﺘﺜﻤﺮ‪ .‬ﰲ اﻟﻮﻗﺖ‬ ‫اﻟﺤﺎﴐ‪ ،‬ﻣﻴﻠﻴﺎ ﺗﻮرﺗﻮﺟﺎ ﺑﻴﺘﺶ‪ ،‬واﻟﺬي ﻟﺪﻳﻪ أﻳﻀﺎ ﺑﺮﻧﺎﻣﺞ ﺗﺄﺟري ﻣامﺛﻞ‪،‬‬ ‫ﻳﻮﻓﺮ ﻟﻠﻤﺸﱰﻳﻦ ﻋﻮاﺋﺪ ﺑﻨﺴﺒﺔ ‪ 6-9‬ﰲ اﳌﺎﺋﺔ ﺳﻨﻮﻳﺎ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪،‬‬ ‫ﻳﻘﺪم ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ ﺧﻴﺎر إﻋﺎدة ﴍاء ﺑﻘﻴﻤﺔ اﻟﺴﻮق اﳌﻔﺘﻮﺣﺔ ﺑﻌﺪ‬ ‫ﺛﻼث ﺳﻨﻮات ﻣﻦ اﻓﺘﺘﺎح اﻟﻔﻨﺪق‪.‬‬ ‫ﻧﻈﺮا ﳌﻮﻗﻌﻬﺎ اﻟﻌﺮﴈ اﳌامﺛﻠﺔ ﻟﱪﺑﺎدوس ﰲ ﻣﻨﻄﻘﺔ اﻟﻜﺎرﻳﺒﻲ‪ ،‬ﺗﺘﻤﺘﻊ‬ ‫اﻟﺮأس اﻷﺧﴬ ﺑﺄﺷﻌﺔ اﻟﺸﻤﺲ ﻋﲆ ﻣﺪار اﻟﺴﻨﺔ وﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ درﺟﺔ‬ ‫اﻟﺤﺮارة ﺣﻮاﱄ ‪ 27‬درﺟﺔ ﻣﺌﻮﻳﺔ‪ .‬ﻣﻊ ﻣﺰﻳﺞ ﻣﻦ اﻟﺸﻮاﻃﺊ اﻟﺠﻤﻴﻠﺔ‬ ‫واﻟﺠﺒﺎل‪ ،‬ﻳﻮﺟﺪ ﻟﺪﻳﻬﺎ اﻟﻜﺜري ﻟﺘﻘﺪميﻪ ﻟﻠﺴﺎﺋﺤني‪ .‬ﺣﺎﻟﻴﺎ‪ ،‬أﻛرث ﻣﻦ ‪40‬‬ ‫رﺣﻠﺔ دوﻟﻴﺔ ﺗﺼﻞ اﻟﺠﺰر اﺳﺒﻮﻋﻴﺎ‪ .‬اﻻﺳﺘﻘﺮار اﻟﺴﻴﺎﳼ واﻻﻗﺘﺼﺎدي ﰲ‬ ‫اﻷرﺧﺒﻴﻞ ﻳﺰﻳﺪ ﻣﻦ ﺟﺎذﺑﻴﺘﻬﺎ ﻛﻮﺟﻬﺔ ﺳﻴﺎﺣﻴﺔ‪.‬‬

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‫‪- 20‬‬

‫‪2014‬‬

‫أﺷﺎر أﺣﺪث ﻣﺆﴍ ﻣﻦ اﻟﺮاﺑﻄﺔ اﻟﻮﻃﻨﻴﺔ ﻟﻠﻮﺳﻄﺎء اﻟﻌﻘﺎرﻳني )‪(NAR‬‬ ‫ان ﻣﺒﻴﻌﺎت اﳌﻨﺎزل ﰲ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة ارﺗﻔﻌﺖ ﺑﻨﺴﺒﺔ ‪ 2.5‬ﰲ اﳌﺎﺋﺔ‬ ‫ﰲ ﻳﻮﻧﻴﻮ ﻣﻦ ﻋﺎم ‪ 2014‬ﻟﺘﺼﻞ إﱃ ﻣﻌﺪل ﺳﻨﻮي ﻗﺪره ‪ 5‬ﻣﻼﻳني ﻟﻠﻤﺮة‬ ‫اﻷوﱃ ﻣﻨﺬ أﻛﺘﻮﺑﺮ ‪ .2013‬ﻛام ﻛﺎن اﻟﺸﻬﺮ ‪ 28‬ﻋﲆ اﻟﺘﻮاﱄ اﻟﺬي ﺳﺠﻠﺖ‬ ‫ﻓﻴﻪ أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﻣﻜﺎﺳﺐ ﻋﲆ اﺳﺎس ﺳﻨﻮى‪ .‬ﰲ ﺷﻬﺮ ﻳﻮﻧﻴﻮ‪ ،‬وﻛﺎن‬ ‫ﻣﺘﻮﺳﻂ أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﻟﺠﻤﻴﻊ اﻟﻔﺌﺎت ‪ 223،300‬دوﻻر أﻣﺮﻳيك‪ ،‬أي‬ ‫ﺑﺰﻳﺎدة ﺳﻨﻮﻳﺔ ﻧﺴﺒﺘﻬﺎ ‪ 4.3‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺸﻬﺮ ﻳﻮﻧﻴﻮ ‪.2013‬‬ ‫ﻣﻊ زﻳﺎدة اﳌﺨﺰون اﻟﺬي ﻳﺴﻬﻢ ﰲ ارﺗﻔﺎع اﻟﻌﺮض اﻟﻜﲇ‪ ،‬ﻓﺈن اﻻﺗﺠﺎﻫﺎت‬

‫‪www.valoran.ae‬‬

‫ﺗﺸري إﱃ وﺟﻮد ﺳﻮق أﻛرث ﺗﻮازﻧﺎ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ ﺗﺰال ﻣﻨﺨﻔﻀﺔ ﺑﻨﺴﻴﺔ‬ ‫‪ 2.3‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ مبﺒﻴﻌﺎت ‪ 5.16‬ﻣﻠﻴﻮن وﺣﺪة واﻟﺘﻲ ﺳﺠﻠﺖ ﻗﺒﻞ‬ ‫ﻋﺎم‪.‬‬ ‫وﻗﺎل ﻛﺒري اﻻﻗﺘﺼﺎدﻳني ﰲ ‪ ،NAR‬ﻟﻮراﻧﺲ ﻳﻮن أﻧﻪ ﻣﻊ ﺗﻮاﻓﺮ اﳌﺨﺰوﻧﺎت‬ ‫ﻋﻨﺪ أﻋﲆ ﻣﺴﺘﻮﻳﺎﺗﻬﺎ ﻷﻛرث ﻣﻦ ﻋﺎم وﺗﺒﺎﻃﺆ اﻟﺰﻳﺎدات ﰲ اﻷﺳﻌﺎر‪ ،‬ﻛﺎن‬ ‫اﻟﺴﻴﻨﺎرﻳﻮ ﻳﺸري إﱃ أن ﻣﺒﻴﻌﺎت اﳌﻨﺎزل ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺘﺤﺴﻦ ﻋﲆ ﻣﺪى‬ ‫اﻷﺷﻬﺮ اﻟﻘﻠﻴﻠﺔ اﳌﻘﺒﻠﺔ ﺑﺴﺒﺐ اﳌﺰﻳﺪ ﻣﻦ اﻟﺨﻴﺎرات اﳌﺘﺎﺣﺔ ﻟﻠﻤﺴﺘﻬﻠﻜني‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬أﺷﺎر إﱃ أن ﺑﻨﺎء اﳌﺴﺎﻛﻦ اﻟﺠﺪﻳﺪة ﻳﺠﺐ أﻳﻀﺎ أن ﻳﺮﺗﻔﻊ‬ ‫ﺑﻨﺴﺒﺔ ﺣﻮاﱄ ‪ 50‬ﰲ اﳌﺎﺋﺔ ﻣﻦ أﺟﻞ ﺟﻌﻞ اﻟﺴﻮق ﻣﺘﻮازﻧﺔ متﺎﻣﺎ‪ ،‬ﺧﺎﺻﺔ‬ ‫ﻣﻊ ﻧﻘﺺ اﻹﻣﺪادات ﰲ اﻟﻐﺮب اﻟﺬي ﻛﺎن ﻳﺰﻳﺪ ﻣﻦ اﻟﻀﻐﻮط اﻟﺼﻌﻮدﻳﺔ‬ ‫ﻋﲆ أﺳﻌﺎر اﳌﺴﺎﻛﻦ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻳﺤﺘﻮي ﻫﺬا اﻟﻘﻄﺎع ﻣﻦ ﻗﺮﻳﺔ ﺟﻤريا أﻳﻀﺎً ﻋﲆ ﻣﺠﻤﻮﻋﺔ ﻣﻦ اﻟﻔﻴﻼت‬ ‫واﻟﺸﻘﻖ‪ ،‬مبﺎ ﰲ ذﻟﻚ داميﻮﻧﺪ ﻓﻴﻮز‪ ،‬واﻟﺬي ﻳﺘﺄﻟﻒ ﻣﻦ ‪ 1000‬ﺷﻘﺔ و‬ ‫‪ 112‬ﻣﻨﺰل‪ ،‬ﻣﻦ إﻧﺸﺎء داميﻮﻧﺪ دﻳﻔﻴﻠﻮﺑﺮز‪ ،‬ﰲ أرﺑﻊ ﻣﺠﻤﻮﻋﺎت ﻣﻦ‬ ‫اﳌﺒﺎين اﻟﺴﻜﻨﻴﺔ ﺗﺘﺄﻟﻒ ﻣﻦ ﻃﺎﺑﻖ أرﴈ وأرﺑﻌﺔ ﻃﻮاﺑﻖ ﻋﻠﻮﻳﺔ ﺗﻀﻢ‬ ‫ﻣﺰﻳﺞ ﻣﻦ اﻻﺳﺘﻮدﻳﻮﻫﺎت‪ ،‬واﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة‪،‬‬ ‫ﻏﺮﻓﺘﻲ ﻧﻮم وﺛﻼث ﻏﺮف ﻧﻮم‪ .‬ﺣﺪاﺋﻖ اﻹﻣﺎرات ﻣﻦ إﻧﺸﺎء داﻣﺎك ﻫﻮ‬ ‫ﺗﻄﻮﻳﺮ أﺧﺮ ﻣﻨﺨﻔﺾ اﻻرﺗﻔﺎع ﻳﻘﻊ ﰲ داﺋﺮة ﻗﺮﻳﺔ ﺟﻤريا وﻳﻀﻢ ﺷﻘﻖ‬ ‫اﻷﺳﺘﻮدﻳﻮﻫﺎت‪ ،‬واﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة‪ ،‬ﻏﺮﻓﺘﻲ ﻧﻮم‬ ‫وأرﺑﻊ ﻏﺮف ﻧﻮم‪.‬‬ ‫ﻛام ﻳﻀﻢ اﳌﺠﺘﻤﻊ أﻳﻀﺎً ﻣﴩوع ﻓﻴﻼت ﻣﻦ أرﺑﻊ ﻏﺮف ﻧﻮم‪ ،‬ﻓﻴﻼت‬ ‫اﻧﺪﻳﻐﻮ‪ ،‬واﻟﺬي ﺗﻢ ﺗﻄﻮﻳﺮه ﻣﻦ ﻗﺒﻞ ﻋﻘﺎرات اﻧﺪﻳﻐﻮ‪.‬‬

‫وﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ اﻹﻳﺠﺎرات ﰲ داﺋﺮة ﻗﺮﻳﺔ ﺟﻤريا ﻧﺤﻮ ‪ 69,731‬درﻫﻢ‬ ‫ﻟﻠﺸﻘﻖ و ‪ 158,861‬درﻫﻢ ﻟﻠﻔﻴﻼت‪ .‬وﺗﱰاوح إﻳﺠﺎرات اﻟﻔﻴﻼت ﻣﻦ‬ ‫‪ 110،000‬درﻫﻢ إﱃ ‪ 190،000‬درﻫﻢ ﺳﻨﻮﻳﺎ‪ ،‬ﰲ ﺣني ﺗﱰاوح إﻳﺠﺎرات‬ ‫اﻟﺸﻘﻖ ﺑني ‪ 45،000‬درﻫﻢ ﻟﻼﺳﺘﻮدﻳﻮﻫﺎت و ‪ 140،000‬درﻫﻢ ﻟﻠﺸﻘﻖ‬ ‫اﻟﻜﺒرية اﳌﻜﻮﻧﺔ ﻣﻦ أرﺑﻊ أو ﺧﻤﺲ ﻏﺮف ﻧﻮم‪.‬‬ ‫‪4BMF 1SJDFT‬‬ ‫‪Apartment‬‬ ‫‪Avg. Price: AED 1,049,782‬‬ ‫‪Price Range: AED 361,200 - AED 10,049,700‬‬

‫‪PrPperUJFT bZ bFE rPPNT‬‬

‫‪t bed‬‬

‫‪t bed‬‬

‫‪t bed t bed‬‬

‫‪PrPpertZ types‬‬

‫‪t 4UVEJP t bed‬‬ ‫‪t bed t bed‬‬

‫‪t Villa t Apartment‬‬

‫‪Source: propertyfinder.ae‬‬

‫أﺳﻌﺎر اﻟﺒﻴﻊ واﻹﻳﺠﺎرات‬ ‫ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 73‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﺴﺎﻛﻦ ﰲ داﺋﺮة ﻗﺮﻳﺔ ﺟﻤريا ﻫﻲ ﻣﻦ‬ ‫اﻟﺸﻘﻖ‪ ،‬واﻟﺘﻲ ﺗﱰاوح ﺑني اﺳﺘﻮدﻳﻮﻫﺎت إﱃ وﺣﺪات ﻣﻦ ‪ 7‬ﻏﺮف ﻧﻮم‪.‬‬ ‫ﻣﺘﻮﺳﻂ ﺳﻌﺮ ﺑﻴﻊ اﻟﺸﻘﺔ ﰲ اﳌﺠﺘﻤﻊ ﻫﻮ ‪ 1,049,782‬درﻫﻢ‪ ،‬ﻣﻊ أدىن‬ ‫ﺳﻌﺮ ﻟﻼﺳﺘﻮدﻳﻮ ﻳﻘﺪر ﺑﺤﻮاﱄ ‪ 361,200‬درﻫﻢ وأﻏﲆ ﺳﻌﺮ ﻟﻮﺣﺪة ﻣﻦ‬ ‫ﺳﺒﻊ ﻏﺮف ﻧﻮم ﻳﻘﺪر ﺑﺤﻮاﱄ ‪ 10,049,700‬درﻫﻢ‪ .‬وﻣﺘﻮﺳﻂ ﺳﻌﺮ ﺑﻴﻊ‬ ‫اﻟﻔﻴﻼت ﻫﻮ ‪ 3,138,085‬درﻫﻢ‪ ،‬ﺑﺪءا ﻣﻦ ‪ 950،000‬درﻫﻢ إﱃ‬ ‫‪ 6,998,970‬درﻫﻢ‪.‬‬

‫‪Villa‬‬ ‫‪Avg. Price: AED 3,138,085‬‬ ‫‪Price Range: AED 950,000 - AED 6,998,970‬‬

‫‪3FOUBM 1SJDFT‬‬ ‫‪Apartment‬‬ ‫‪Avg. Price: AED 69,731‬‬ ‫‪Price Range: AED 15,000 - AED 140,000‬‬

‫‪PrPperUJFT bZ bFE rPPNT‬‬

‫‪t bed‬‬

‫‪t bed‬‬

‫‪t bed‬‬

‫‪t 4UVEJP‬‬

‫‪t bed‬‬

‫‪Villa‬‬ ‫‪Avg. Price: AED 150,051‬‬ ‫‪Price Range: AED 110,000 - AED 190,000‬‬

‫‪PrPpertZ types‬‬

‫‪t Villa t Apartment‬‬

‫‪Source: propertyfinder.ae‬‬

‫‪11‬‬

‫‪- 20‬‬

‫‪2014‬‬

‫اﻟﻘﺎﻃﻨني ﻣﻦ اﻟﺘﻤﺘﻊ ﺑﺄﺳﻠﻮب ﺣﻴﺎة ﻣﺘﻤﻴﺰة داﺧﻞ اﳌﺠﺘﻤﻊ‪ .‬ﻗﺮﻳﺔ‬ ‫اﻟﺒﻮاﺑﺔ‪ ،‬واﻟﺘﻲ ﺗﺄﺧﺬ ﻣﺮﻛﺰ اﻟﺼﺪارة ﰲ اﻟﺘﻨﻤﻴﺔ‪ ،‬ﻟﺪﻳﻬﺎ ﻣﺮاﻓﻖ ﻟﺘﺠﺎرة‬ ‫اﻟﺘﺠﺰﺋﺔ واﻟﱰﻓﻴﻪ‪ ،‬ﰲ ﺣني أن ﻗﺮﻳﺔ اﻟﻔﺮدوس وﻗﺮﻳﺔ ﻣﺎرﻳﻨﺎ ﺗﻘﺪﻣﺎن‬ ‫اﻟﻔﺮﺻﺔ ﻟﻸﻧﺸﻄﺔ اﻟﺒﺤﺮﻳﺔ ﺣﺘﻰ اﻧﻪ ﻳﺘﻮﻓﺮ ﺑﻬام رﺻﻴﻒ ﺑﺤﺮي‪ ،‬ﺣﻴﺚ‬ ‫ميﻜﻦ ﻟﻠﻘﻮارب اﻟﺼﻐرية أن ﺗﺮﺳﻮ ﻫﻨﺎك‪.‬‬ ‫ﺗﺮﺗﺒﻂ اﻟﻘﻄﺎﻋﺎت ﻣﻦ ﺧﻼل ﺷﺒﻜﺔ ﻣﻦ اﳌﻤﺮات اﳌﺎﺋﻴﺔ ﺗﺘﺨﻠﻠﻬﺎ اﻟﺤﺪاﺋﻖ‬ ‫اﻟﺼﻐرية ﻋﲆ ﻃﻮل اﻟﻄﺮﻳﻖ‪ ،‬واﻟﺘﻲ ﻫﻲ ﻣﺜﺎﻟﻴﺔ ﻟﻼﺳﺘﺠامم‪ .‬وﻳﻮﺟﺪ‬ ‫ﺑﺒﻌﺾ اﻟﺤﺪاﺋﻖ أﻣﺎﻛﻦ ﻟﻌﺐ ﻟﻸﻃﻔﺎل‪ .‬ﻛام ﻳﻮﺟﺪ ﺑﺎﻟﺤﺪﻳﻘﺔ اﻟﻜﺒرية ﰲ‬ ‫ﻗﺮﻳﺔ اﻟﺒﻮاﺑﺔ ﺣﺪﻳﻘﺔ ﻧﺒﺎﺗﻴﺔ وﻣﺪرج ﻳﺆدي إﱃ اﻟﺴﻮق‪ .‬ﻣﺮﻛﺰ اﻟﺠﺬب ﰲ‬ ‫اﻟﺤﺪﻳﻘﺔ ﻫﻮ ﺟﻨﺎح ﻣﺸﺎﻫﺪة ﴍوق اﻟﺸﻤﺲ‪ .‬ﻣﻦ اﻟﺤﺪﻳﻘﺔ اﳌﺮﻛﺰﻳﺔ‪،‬‬ ‫ميﻜﻦ اﳌﴚ ﻣﻦ ﺧﻼل ﺛﻼﺛﺔ ودﻳﺎن ﺗﺆدي إﱃ اﻟﺤﺪاﺋﻖ اﻟﺼﻐرية‪ ،‬وميﻜﻦ‬ ‫أن ﺗﺴﺘﺨﺪم أﻳﻀﺎ ﻛﻤﺴﺎرات ﻟﻠﻤﴚ أو رﻛﻮب اﻟﺪراﺟﺎت‪.‬‬ ‫وﺗﺸﻤﻞ اﳌﺮاﻓﻖ اﻷﺧﺮى اﻟﺘﻲ ﺗﻀﻴﻒ إﱃ ﻃﺒﻴﻌﺔ اﻻﻛﺘﻔﺎء اﻟﺬايت‬ ‫ﻟﻠﺘﻄﻮﻳﺮ اﺛﻨﺘني ﻣﻦ اﳌﺪارس اﻟﺪوﻟﻴﺔ‪ ،‬اﻟﻨﻮادي اﻟﱰﻓﻴﻬﻴﺔ‪ ،‬ﻣﺴﺎرات‬ ‫اﻟﺮﻛﺾ ورﻛﻮب اﻟﺪراﺟﺎت‪ ،‬اﳌﺮاﻓﻖ اﻟﺮﻳﺎﺿﻴﺔ‪ ،‬اﻟﺘﻲ ﺗﻀﻢ ﻣﻼﻋﺐ ﻟﻜﺮة‬ ‫اﻟﻘﺪم واﻟﻜﺮﻳﻜﻴﺖ‪ ،‬ﻣﻼﻋﺐ اﻟﺘﻨﺲ‪ ،‬ﺣامﻣﺎت اﻟﺴﺒﺎﺣﺔ‪ ،‬اﻟﻌﻴﺎدات‬ ‫اﻟﻄﺒﻴﺔ واﻟﻌﻴﺎدات اﻟﺒﻴﻄﺮﻳﺔ‪.‬‬ ‫ﻣﻦ ﺧﻼل ﻣﻮﻗﻌﻬﺎ ﰲ ﻗﻠﺐ ديب اﻟﺠﺪﻳﺪة‪ ،‬ﻓﺈن ﻗﺮﻳﺔ ﺟﻤريا ﺗﻘﻊ ﻋﲆ‬ ‫ﻣﻘﺮﺑﺔ أﻳﻀﺎً ﻣﻦ ﻣﺮاﻛﺰ اﻟﺘﺴﻮق اﻟﺸﻬرية ﰲ ديب ﻣﺜﻞ ديب ﻣﺎرﻳﻨﺎ ﻣﻮل‪،‬‬ ‫وﻣﻮل اﻹﻣﺎرات‪ ،‬وﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ وﻣﻮل ﻟﺆﻟﺆة ديب‪ .‬وﻳﺴﻬﻞ وﺻﻮل‬ ‫ﺳﻜﺎن اﳌﺠﺘﻤﻊ إﱃ اﳌﺪارس اﻟﺪوﻟﻴﺔ اﻟﺮاﺋﺪة ﰲ اﳌﺪﻳﻨﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫اﳌﺪرﺳﺔ اﻟﱪﻳﻄﺎﻧﻴﺔ ﰲ ديب‪ ،‬ﻣﺪرﺳﺔ ‪ GEMS‬اﻟﻌﺎﳌﻴﺔ‪ ،‬أﻛﺎدميﻴﺔ ديب‬ ‫اﻟﺪوﻟﻴﺔ وﻣﺪرﺳﺔ اﻹﻣﺎرات اﻟﺪوﻟﻴﺔ ﻣﻴﺪوز‪ .‬وﺗﺸﻤﻞ ﻣﺮاﻛﺰ اﻟﺮﻋﺎﻳﺔ‬ ‫اﻟﺼﺤﻴﺔ ﰲ اﳌﻨﺎﻃﻖ اﳌﺠﺎورة ﻣﺮﻛﺰ اﻟﻌﻨﺎﻳﺔ اﻹﺳﻌﺎﻓﻴﺔ وﻳﻠﻜري‪ ،‬وﻣﺮﻛﺰ‬ ‫اﻟﺤﻴﺎة اﻟﻄﺒﻲ‪.‬‬

‫ﻏﺎﻟﺒﻴﺔ اﳌﺴﺎﻛﻦ ﰲ ﻣﺜﻠﺚ ﻗﺮﻳﺔ اﻟﺠﻤريا ﻫﻲ ﻣﻦ اﻟﻔﻴﻼت اﻟﻜﺒرية‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك اﳌﻨﺎزل واﻟﺸﻘﻖ‪ .‬وإﱃ ﺟﺎﻧﺐ اﻟﻔﻴﻼت اﻟﻌﺮﺑﻴﺔ‬ ‫وﻓﻴﻼت اﻟﺒﺤﺮ اﻷﺑﻴﺾ اﳌﺘﻮﺳﻂ واﳌﻨﺎزل اﻟﺘﻲ أﻧﺸﺎﺗﻬﺎ ﻧﺨﻴﻞ‪ ،‬ﺗﻀﻢ‬ ‫اﳌﺸﺎرﻳﻊ اﻟﺴﻜﻨﻴﺔ اﻷﺧﺮى اﳌﻮﺟﻮدة ﰲ اﳌﺠﺘﻤﻊ ﻏﺮﻳﻦ ﺑﺎرك ﻣﻦ ﻗﺒﻞ‬ ‫داﻣﺎك اﻟﻌﻘﺎرﻳﺔ اﻟﺘﻲ ﺗﻮﻓﺮ اﺳﺘﻮدﻳﻮﻫﺎت‪ ،‬وﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم‬ ‫واﺣﺪة‪ ،‬وﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺘﻲ ﻧﻮم وﺷﻘﻖ اﻟﺪوﺑﻠﻜﺲ‪ ،‬وأﺑﺮاج‬ ‫ﺳﻴﻠﻔﺮ ﺳﺘﺎﻟﻴﻮن ﻣﻦ ﻗﺒﻞ ﺳﺘﺎﻟﻴﻮن ﻟﻠﺘﻄﻮﻳﺮ واﻟﺘﻲ ﺗﻮﻓﺮ وﺣﺪات ﺳﻜﻨﻴﺔ‬ ‫وﺗﺠﺎرﻳﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة‪ ،‬ﻏﺮﻓﺘﻲ ﻧﻮم‪،‬‬ ‫ﺛﻼث ﻏﺮف ﻧﻮم واﻟﺪوﺑﻠﻜﺲ‪ .‬وﺑﺎﻻﺿﺎﻓﺔ اﱃ ﻫﺬا‪ ،‬ﺗﻘﻮم ﺑﺎﺳﻴﻔﻴﻚ‬ ‫ﻓﻨﺘﴩز ﺑﺘﻄﻮﻳﺮ اﺛﻨني ﻣﻦ اﻷﺑﺮاج اﻟﺴﻜﻨﻴﺔ – ﺑﺎﺳﻴﻔﻴﻚ أدﻣﻨﺘﻮن‬ ‫وﺑﺎﺳﻴﻔﻴﻚ رﻳﺰﻳﺪﻳﻨﺴﻴﺎ‪.‬‬

‫أﺳﻌﺎر اﻟﺒﻴﻊ واﻹﻳﺠﺎرات‬ ‫أﻛرث ﻣﻦ ‪ 84‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﺴﺎﻛﻦ ﰲ ﻣﺜﻠﺚ ﻗﺮﻳﺔ اﻟﺠﻤريا ﻫﻲ ﻣﻦ‬ ‫اﻟﻔﻴﻼت‪ .‬ﻣﺘﻮﺳﻂ ﺳﻌﺮ اﻟﺒﻴﻊ ﻟﻠﻔﻠﻞ ﰲ اﳌﺠﺘﻤﻊ ﻫﻮ ‪ 3,222,073‬درﻫﻢ‬ ‫وﺗﱰاوح ﺑني ﺣﺪ أدىن ﻟﻠﺴﻌﺮ ‪ 1,490,000‬درﻫﻢ إﱃ ﺣﺪ أﻗﴡ ﻗﺪره‬ ‫‪ 4،850،000‬درﻫﻢ‪ .‬ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﺸﻘﻖ‪ ،‬ﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ ﺳﻌﺮ اﻟﺒﻴﻊ‬ ‫‪ 1,331,559‬درﻫﻢ وﻳﱰاوح ﺑني ‪ 585،000‬درﻫﻢ ﺑﺪءا ﻣﻦ أﺻﻐﺮ‬ ‫اﺳﺘﻮدﻳﻮ إﱃ ‪ 3,795,000‬درﻫﻢ ﻟﻠﺸﻘﺔ اﳌﻜﻮﻧﺔ ﻣﻦ ‪ 5‬ﻏﺮف ﻧﻮم‪.‬‬ ‫وﺗﺒﻠﻎ إﻳﺠﺎرات اﻟﻔﻴﻼت ﰲ اﳌﺠﺘﻤﻊ ﰲ اﳌﺘﻮﺳﻂ ‪ 168,824‬درﻫﻢ‪،‬‬ ‫واﻟﺘﻲ ﺗﱰاوح ﺑني ‪ 110،000‬درﻫﻢ و‪ 280،000‬درﻫﻢ ﺳﻨﻮﻳﺎ‪ ،‬ﰲ ﺣني‬ ‫ﻳﻘﻞ إﻳﺠﺎر اﻟﺸﻘﺔ مبﺘﻮﺳﻂ ‪ 98,550‬درﻫﻢ ﺳﻨﻮﻳﺎ‪ .‬وﻳﺒﻠﻎ أﻗﻞ ﻗﻴﻤﺔ‬ ‫ﻟﻺﻳﺠﺎر ‪ 45،000‬درﻫﻢ ﺳﻨﻮﻳﺎ ﻟﻼﺳﺘﻮدﻳﻮ‪ ،‬ﰲ ﺣني أن أﻋﲆ ﻗﻴﻤﺔ ﻟﻺﻳﺠﺎر‬ ‫ﻫﻲ ‪ 255،000‬درﻫﻢ إﻣﺎرايت ﻟﻮﺣﺪة ﻣﻜﻮﻧﺔ ﻣﻦ ‪ 5‬ﻏﺮف ﻧﻮم‪.‬‬

‫‪3FOUBM 1SJDFT‬‬ ‫‪Apartment‬‬ ‫‪Avg. Price: AED 98,550‬‬ ‫‪Price Range: AED 45,000 - AED 255,000‬‬

‫‪PrPperUJFT bZ bFE rPPNT‬‬

‫‪t bed‬‬

‫‪t bed‬‬

‫‪t bed‬‬

‫‪t 4UVEJP‬‬

‫‪t bed‬‬

‫‪4BMF 1SJDFT‬‬ ‫‪Villa‬‬ ‫‪Avg. Price: AED 168,824‬‬ ‫‪Price Range: AED 110,000 - AED 280,000‬‬

‫‪PrPpertZ types‬‬

‫‪t Villa t Apartment‬‬

‫‪PrPperUJFT bZ bFE rPPNT‬‬

‫‪t bed‬‬

‫‪t bed‬‬

‫‪t bed t bed‬‬

‫‪Source: propertyfinder.ae‬‬

‫‪www.valoran.ae‬‬

‫‪Apartment‬‬ ‫‪Avg. Price: AED 1,331,559‬‬ ‫‪Price Range: AED 585,000 - AED 3,795,000‬‬

‫‪t 4UVEJP t bed‬‬ ‫‪t bed t bed‬‬

‫‪Villa‬‬ ‫‪Avg. Price: AED 3,222,073‬‬ ‫‪Price Range: AED 1,490,000 - AED 4,850,000‬‬

‫‪PrPpertZ types‬‬

‫‪t Villa t Apartment‬‬

‫‪Source: propertyfinder.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻣﺠﺘﻤﻊ ﻗﺮﻳﺔ ﺟﻤريا ﻣﻦ إﻧﺸﺎء ﴍﻛﺔ ﻧﺨﻴﻞ وﻳﻘﻊ ﰲ وﺳﻂ ديب‬ ‫اﻟﺠﺪﻳﺪة‪ ،‬ﻗﺒﺎﻟﺔ ﻃﺮﻳﻖ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ زاﻳﺪ واﻟﺨﻴﻞ‪ ،‬وﻫﻮ ﻣﺠﺘﻤﻊ‬ ‫ﻳﻀﻢ أﻛرث ﻣﻦ ‪ 6،000‬ﻓﻴﻼ وﻣﻨﺰل ﺑﻨﻴﺖ مبﺰﻳﺞ ﻣﻦ اﻟﻄﺮز اﳌﻌامرﻳﺔ‬ ‫اﻟﻌﺮﺑﻴﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ أو اﻟﺒﺤﺮ اﻷﺑﻴﺾ اﳌﺘﻮﺳﻂ‪ .‬وﺗﺤﻴﻂ ﺑﻪ اﻟﺨﴬة‪ ،‬مبﺎ‬ ‫ﰲ ذﻟﻚ اﻟﺤﺪاﺋﻖ واﻟﺒﺤريات‪ ،‬وأﻳﻀﺎ اﳌﺪارس ووﺣﺪات اﻟﺒﻴﻊ ﺑﺎﻟﺘﺠﺰﺋﺔ‬ ‫واﳌﺮاﻛﺰ اﳌﺠﺘﻤﻌﻴﺔ اﻟﺘﻲ ﺗﻘﻊ داﺧﻞ اﳌﺒﻨﻰ‪ ،‬ﻣام ﻳﻮﻓﺮ ﻟﺴﻜﺎن اﳌﺠﺘﻤﻊ‬ ‫اﻻﻛﺘﻔﺎء اﻟﺬايت ﰲ اﳌﻌﻴﺸﺔ‪ .‬وﻳﻀﻢ اﻟﺘﻄﻮﻳﺮ ﻣﺎ ﻳﺰﻳﺪ ﻋﲆ ‪ 2،883‬ﻓﻴﻼ‬ ‫ﺳﻜﻨﻴﺔ ﻣﻦ إﻧﺸﺎء ﴍﻛﺔ ﻧﺨﻴﻞ ﺗﱰاوح ﻣﻦ اﳌﻨﺎزل اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺘﻲ‬ ‫ﻧﻮم إﱃ ﻣﻨﺎزل ﻣﻜﻮﻧﺔ ﻣﻦ أرﺑﻊ ﻏﺮف ﻧﻮم‪ ،‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ‪ 3،184‬ﻣﻦ‬ ‫اﳌﻨﺎزل اﻟﺘﻲ ﺗﺄيت ﻣﻊ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة أو ﻏﺮﻓﺘﻲ ﻧﻮم‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ‬

‫ذﻟﻚ‪ ،‬ﻫﻨﺎك ﺑﻌﺾ ﻣﻦ ﻣﺸﺎرﻳﻊ اﻟﺸﻘﻖ واﻟﻔﻴﻼت ﳌﻄﻮرﻳﻦ آﺧﺮﻳﻦ‬ ‫ﻣﻮﺟﻮدة داﺧﻞ اﳌﺠﺘﻤﻊ‪.‬‬ ‫وﺗﻨﺘﴩ اﻟﻔﻴﻼت واﳌﻨﺎزل ﰲ اﳌﺠﺘﻤﻊ ﰲ ﻣﻨﻄﻘﺘني ﻣﺘﻤﻴﺰﺗني ‪ -‬داﺋﺮة‬ ‫ﻗﺮﻳﺔ ﺟﻤريا وﻣﺜﻠﺚ ﻗﺮﻳﺔ ﺟﻤريا‪ .‬وﻳﻀﻢ اﻟﺘﻄﻮﻳﺮ مثﺎﻧﻴﺔ ﻣﻨﺎﻃﻖ ﻟﻜﻞ‬ ‫ﻣﻨﻬﺎ ﻣﻮﺿﻮﻋﻬﺎ اﻟﺨﺎص – ﻗﺮﻳﺔ اﻟﺒﻮاﺑﺔ‪ ،‬ﻗﺮﻳﺔ اﻟﻘﻨﺎة‪ ،‬ﻗﺮﻳﺔ اﻟﺤﺪﻳﻘﺔ‪،‬‬ ‫ﻗﺮﻳﺔ اﻟﺒﺤرية‪ ،‬ﻗﺮﻳﺔ ﻣﺎرﻳﻨﺎ‪ ،‬ﻗﺮﻳﺔ اﻟﻔﺮدوس‪ ،‬ﻗﺮﻳﺔ اﻟﻮادي وﻗﺮﻳﺔ اﳌﻨﺎﻇﺮ‬ ‫اﳌﺎﺋﻴﺔ‪ .‬وﻳﺘﻢ رﺑﻂ اﻟﻘﺮى ﻣﻊ ﺑﻌﻀﻬﺎ اﻟﺒﻌﺾ ﻣﻦ ﺧﻼل ﺳﻠﺴﻠﺔ ﻣﻦ‬ ‫اﳌﻨﺎﻃﻖ ذات اﳌﻨﺎﻇﺮ اﻟﻄﺒﻴﻌﻴﺔ واﻟﻘﻨﻮات اﳌﺎﺋﻴﺔ‪ .‬ﺑﻌﺾ ﻫﺬه اﳌﻨﺎﻃﻖ‬ ‫ﺑﻬﺎ ﻣﺮاﻓﻖ اﻟﺘﺠﺰﺋﺔ واﻟﱰﻓﻴﻪ واﻟﺘﺴﻠﻴﺔ اﻟﺘﻲ ﺗﺄيت ﻣﻌﺎ ﻟﺘﻮﻓري ﺑﻴﺌﺔ متﻜﻦ‬

‫‪9‬‬

‫‪- 20‬‬

‫‪2014‬‬

‫ﻣﻦ ﺑني اﻟﴩﻛﺎت اﻟﺘﻲ ﺳﺠﻠﺖ ﻣﻜﺎﺳﺐ ﻋﺎﻟﻴﺔ ﺧﻼل اﻟﻨﻬﺎر ﻛﺎﻧﺖ دﻳﺎر‬ ‫ﻟﻠﺘﻄﻮرات )‪ 7.63‬ﰲ اﳌﺎﺋﺔ( واﻻﺗﺤﺎد اﻟﻌﻘﺎرﻳﺔ )‪ 7.61‬ﰲ اﳌﺎﺋﺔ(‪ .‬ﺑﻴﺖ‬ ‫اﻟﺘﻤﻮﻳﻞ اﻟﺨﻠﻴﺠﻲ ارﺗﻔﻊ ﺑﻨﺴﺒﺔ ‪ 2.78‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﰲ ﺣني ارﺗﻔﻌﺖ أﺳﻬﻢ‬ ‫ﴍﻛﺔ إﻋامر ﺑﻨﺴﺒﺔ ‪ 1.89‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﰲ ديب‪ ،‬ﺗﻢ ﺗﺪاول ‪ 31‬ﺳﻬام ﺧﻼل اﻟﻴﻮم‪ ،‬ارﺗﻔﻊ ﻣﻨﻬﺎ ‪ 26‬ﺳﻬام‪ ،‬واﺳﺘﻘﺮ‬ ‫ﺳﻬﻢ واﺣﺪ ﻋﻨﺪ ﻗﻴﻤﺘﻪ واﻧﺨﻔﻀﺖ ﻗﻴﻤﺔ ‪ 4‬أﺳﻬﻢ‪ .‬ﰲ اﳌﻘﺎﺑﻞ‪ ،‬ﰲ ﺑﻮرﺻﺔ‬ ‫أﺑﻮﻇﺒﻲ‪ ،‬ﺗﻢ ﺗﺪاول ‪ 34‬ﺳﻬﻢ‪ ،‬ارﺗﻔﻌﺖ ﻣﻨﻬﺎ ‪ ،22‬ﺑﻴﻨام اﺳﺘﻘﺮت ‪5‬‬ ‫واﻧﺨﻔﻀﺖ ﻗﻴﻤﺔ ‪ 7‬أﺳﻬﻢ‪.‬‬

‫‪2015‬‬

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‫أﻋﻠﻦ وزﻳﺮ اﻻﻗﺘﺼﺎد‪ ،‬ﺳﻠﻄﺎن ﺑﻦ ﺳﻌﻴﺪ اﳌﻨﺼﻮري أﻣﺎم اﳌﺠﻠﺲ اﻟﻮﻃﻨﻲ‬ ‫اﻻﺗﺤﺎدي أن دوﻟﺔ اﻹﻣﺎرات ﺗﺴﻌﻰ إﱃ زﻳﺎدة اﻟﺘﻮﻃني ﰲ ﻗﻄﺎع اﻟﺘﺄﻣني‬ ‫إﱃ ‪ 15‬ﰲ اﳌﺎﺋﺔ ﺑﺤﻠﻮل اﻟﻌﺎم اﻟﻘﺎدم‪ .‬ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬ميﺜﻞ اﻹﻣﺎراﺗﻴني‬ ‫‪ 8.9‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻘﻮة اﻟﻌﺎﻣﻠﺔ ﰲ ﺻﻨﺎﻋﺔ اﻟﺘﺄﻣني‪ ،‬وﻫﻮ ﻣﺎ ميﺜﻞ ‪768‬‬ ‫ﻣﻦ ﻣﺠﻤﻮع ‪ 8،590‬ﻣﻦ اﻟﻌامل اﻟﺬﻳﻦ ﻳﻌﻤﻠﻮن ﰲ ﻫﺬه اﻟﺼﻨﺎﻋﺔ‪.‬‬ ‫وﺳﻮف ﺗﻜﻮن اﻟﺰﻳﺎدة اﳌﻘﱰﺣﺔ مبﻌﺪل ﻗﺪره ‪ 100‬ﰲ اﳌﺎﺋﺔ ﺗﻘﺮﻳﺒﺎ ﺧﻼل‬ ‫ﻋﺎم واﺣﺪ‪.‬‬

‫‪www.valoran.ae‬‬

‫ﰲ اﳌﺴﺘﻘﺒﻞ‪ ،‬ﺳﻮف ﻳﺘﻢ ﻣﻨﺢ اﻟﱰاﺧﻴﺺ ﻟﴩﻛﺎت اﻟﺘﺄﻣني ﻓﻘﻂ إذا‬ ‫ﻛﺎﻧﺖ ﺗﺴﺘﻮﰲ ﻣﻌﺎﻳري ﺗﻮﻇﻴﻒ اﻹﻣﺎراﺗﻴني ﳌﻞء ‪ 15‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻷﻗﻞ‬ ‫ﻣﻦ اﻟﻘﻮى اﻟﻌﺎﻣﻠﺔ ﻟﺪﻳﻬﺎ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻓﺈن اﻟﻮزارة ﻟﻦ ﺗﺘﺴﺎﻣﺢ‬ ‫ﻣﻊ أي ﻣامرﺳﺔ وﻫﻤﻴﺔ ﻟﻠﺘﻮﻃني ﻣﻦ ﻗﺒﻞ اﻟﴩﻛﺎت اﻟﺘﻲ ﺗﺘﺒﻊ ﻣامرﺳﺔ‬ ‫اﻟﺘﻌﺎﻗﺪ ﻣﻊ اﻹﻣﺎراﺗﻴني ﻋﲆ اﻟﻮرق ﻓﻘﻂ ﻟﺘﻠﺒﻴﺔ اﻟﺤﺼﺺ اﳌﻘﺮرة ﻣﻦ‬ ‫ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ‪.‬‬ ‫ﰲ اﻟﴩﻛﺎت اﻟﻮﻃﻨﻴﺔ‪ ،‬ﺷﻜﻞ اﻹﻣﺎراﺗﻴني ‪ 8.8‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻘﻮى اﻟﻌﺎﻣﻠﺔ‬ ‫ﰲ ﻋﺎم ‪ ،2013‬ﰲ ﺣني ﺑﻠﻐﺖ ﺣﺼﺔ اﻟﴩﻛﺎت اﻷﺟﻨﺒﻴﺔ ‪ 9.8‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﺣﻜﻮﻣﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻟﺪﻳﻬﺎ ﺧﻄﻂ ﻟﺰﻳﺎدة ﻋﺪد اﳌﻮاﻃﻨني‬ ‫اﻟﻌﺎﻣﻠني ﰲ اﻟﻘﻄﺎع اﻟﺨﺎص ﺑﻨﺴﺒﺔ ﻋﴩة أﺿﻌﺎف ﺑﺤﻠﻮل ﻋﺎم ‪،2021‬‬ ‫إذا ﻟﺰم اﻷﻣﺮ‪ ،‬ﺳﻮف ﻳﺘﻢ إدﺧﺎل ﻟﻮاﺋﺢ ﺟﺪﻳﺪة ﰲ ﺳﻮق اﻟﻌﻤﻞ ﻟﺘﻨﻔﻴﺬ‬ ‫ﻫﺬا‪.‬‬ ‫ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬ﻣﻦ إﺟامﱄ ﻋﺪد اﻟﺴﻜﺎن اﳌﻘﺪر ﺑﺤﻮاﱄ ﺗﺴﻌﺔ‬ ‫ﻣﻼﻳني ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬أﻗﻞ ﻣﻦ ‪ 15‬ﰲ اﳌﺎﺋﺔ ﻫﻢ ﻣﻦ‬ ‫ﻣﻮاﻃﻨﻲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬وﻳﺘﻢ ﺗﻮﻇﻴﻒ ﺛﻠﺜﻲ ﻫﺬا‬ ‫اﻟﻌﺪد ﻣﻦ اﻹﻣﺎراﺗﻴني ﰲ اﻟﻘﻄﺎع اﻟﻌﺎم‪ .‬وﺗﻌﻤﻞ اﻟﺤﻜﻮﻣﺔ ﻣﻦ أﺟﻞ‬ ‫ﺗﺨﻔﻴﻒ اﻟﻀﻐﻂ ﻋﲆ ﻣﺎﻟﻴﺔ اﻟﺪوﻟﺔ ﻣﻦ ﺧﻼل ﺗﻨﻮﻳﻊ اﻻﻗﺘﺼﺎد وﺿامن‬ ‫ﻋﻤﻞ ﻋﺪد أﻛﱪ ﻣﻦ ﻣﻮاﻃﻨﻴﻬﺎ ﰲ اﻟﻘﻄﺎع اﻟﺨﺎص‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻟﻨﺸﺎط ﰲ اﻟﻘﻄﺎع اﻟﻌﻘﺎري‪ ،‬وﺧﺼﻮﺻﺎ اﻟﺴﻮق اﻟﺴﻜﻨﻴﺔ‪ ،‬ﻣﻦ ﺷﺄﻧﻪ أن‬ ‫ﻳﺆدي إﱃ اﳌﻀﺎرﺑﺔ ﻋﲆ اﻟﻄﻠﺐ اﻟﺘﻲ ميﻜﻦ أن ﺗﺆدي إﱃ ﺗﺼﺎﻋﺪ‬ ‫ﺿﻐﻮط اﻟﺘﻀﺨﻢ‪.‬‬ ‫ﻳﺮى ﻓﺮﻳﻖ آﺧﺮ ﻣﻦ اﳌﺤﻠﻠني أﻧﻪ ﻣﻊ زﻳﺎدة اﻟﺰﺧﻢ ﰲ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي‬ ‫ﻟﻠﺒﻼد‪ ،‬واﻟﺬي ﻋﺰز اﻟﻨﺸﺎط ﰲ ﻗﻄﺎع اﻟﻌﻘﺎرات واﻟﺒﻨﺎء‪ ،‬ﻓﺈن ﺗﻜﺎﻟﻴﻒ‬ ‫اﻟﺴﻜﻦ ﺳﻮف ﺗﻜﻮن اﳌﺴﺎﻫﻢ اﻟﺮﺋﻴﴘ ﰲ ﻫﺬا اﻻﺗﺠﺎه اﻟﺘﻀﺨﻤﻲ‪ .‬وﻣﻊ‬ ‫ذﻟﻚ‪ ،‬ﰲ اﳌﺴﺘﻘﺒﻞ‪ ،‬ميﻜﻦ ﻟﺰﻳﺎدة اﻟﻄﻠﺐ أﻳﻀﺎ أن ﺗﺮﻓﻊ أﺳﻌﺎر اﳌﺪﺧﻼت‪.‬‬

‫‪5.99‬‬ ‫ﻳﻮم اﻻﺛﻨني ‪ 21‬ﻳﻮﻟﻴﻮ‪ ،‬ﺗﻌﺎﻓﺖ أﺳﻮاق اﻷﺳﻬﻢ اﻹﻣﺎراﺗﻴﺔ ﺑﻘﻮة ﻣﻊ ﺗﺤﺴﻦ‬ ‫ﻣﺆﴍ ﺳﻮق ديب اﳌﺎﱄ )‪ (DFM‬ﺑﻨﺴﺒﺔ ‪ 2.5‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﻟﻴﻐﻠﻖ ﻋﻨﺪ‬ ‫‪ .4،724.95‬ﺧﻼل ﻧﻔﺲ اﻟﻔﱰة‪ ،‬ارﺗﻔﻊ ﻣﺆﴍ ﺳﻮف أﺑﻮ ﻇﺒﻲ ﻟﻸوراق‬ ‫اﳌﺎﻟﻴﺔ )‪ (ADX‬ﺑﻨﺴﺒﺔ ‪ 1.48‬ﰲ اﳌﺎﺋﺔ ﻟﻴﺼﻞ إﱃ ‪.4،987.83‬‬

‫‪2018‬‬ ‫ﻣﻦ أﺟﻞ ﻣﺴﺎﻋﺪة اﻟﺒﻨﻮك ﰲ اﻟﺒﻼد ﻋﲆ اﻻﻟﺘﺰام ﺑﻘﻮاﻋﺪ اﻟﺴﻴﻮﻟﺔ‬ ‫اﻟﻌﺎﳌﻴﺔ‪ ،‬ﻗﺪ ﺗﻄﺮح اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة اﻟﺴﻨﺪات اﻟﺤﻜﻮﻣﻴﺔ‬ ‫اﻹﺗﺤﺎدﻳﺔ اﻷوﱃ ﻣﻦ ﻧﻮﻋﻬﺎ ﻗﺒﻞ ﻋﺎم ‪ .2018‬ﴏح ﻣﺴﺆول ﻛﺒري ﰲ‬ ‫وزارة اﳌﺎﻟﻴﺔ أﻧﻪ ﻗﺪ ﺗﻢ اﻟﺒﺪأ ﺑﺎﻟﻔﻌﻞ ﰲ دراﺳﺎت اﻟﺠﺪوى ﻟﺘﺤﻠﻴﻞ ﻫﺬا‪.‬‬ ‫ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬ميﻜﻦ ﻟﺒﻨﻮك اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫ﺑﻨﻚ ديب اﻟﻮﻃﻨﻲ وﺑﻨﻚ أﺑﻮﻇﺒﻲ اﻟﻮﻃﻨﻲ ﴍاء اﻟﺪﻳﻮن اﻟﺤﻜﻮﻣﻴﺔ‬ ‫ﺑﺎﻟﺪرﻫﻢ ﻟﺘﻠﺒﻴﺔ ﻣﺘﻄﻠﺒﺎت اﻟﺴﻴﻮﻟﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﺗﺤﺘﺎج ﻫﺬه اﳌامرﺳﺔ‬ ‫إﱃ ﺿﺒﻄﻬﺎ ﺗﺪرﻳﺠﻴﺎً ﻟﺘﻠﺒﻴﺔ ﻗﻮاﻋﺪ اﻟﺴﻴﻮﻟﺔ اﳌﻨﺼﻮص ﻋﻠﻴﻬﺎ ﰲ ﻣﻌﺎﻳري‬ ‫ﺑﺎزل ‪ III‬ﻟﻠﺨﺪﻣﺎت اﳌﴫﻓﻴﺔ اﻟﻌﺎﳌﻴﺔ‪.‬‬ ‫ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﺨﻤﺲ اﳌﺎﺿﻴﺔ‪ ،‬ﻛﺎن ﻗﺎﻧﻮن اﻟﺪﻳﻦ اﻟﻌﺎم اﻟﺬي‬ ‫ﻃﺎل اﻧﺘﻈﺎره ﻣﺤﻞ ﺗﺸﺎور داﺧﻞ اﻟﺤﻜﻮﻣﺔ‪ .‬وﺣﺘﻰ ﻳﺘﻢ ذﻟﻚ‪ ،‬ﻓﺈن‬ ‫إﻣﻜﺎﻧﻴﺔ إﺻﺪار ﺳﻨﺪات ﺳﻴﺎدﻳﺔ اﺗﺤﺎدﻳﺔ ﻻ ﻳﺰال أﻣﺮا ﻣﺴﺘﺤﻴﻼ‪ .‬وﺗﻌﻤﻞ‬ ‫وزارة اﳌﺎﻟﻴﺔ ﻣﻊ اﻟﺒﻨﻚ اﳌﺮﻛﺰي ﻟﻺﴎاع ﰲ اﻟﻘﺎﻧﻮن‪ ،‬اﻟﺬي ﻣﻦ ﺷﺄﻧﻪ أن‬ ‫ﻳﺘﻴﺢ ﻟﻠﻤﻘﺮﺿني اﳌﺤﻠﻴني ﺑﺎﻻﻟﺘﺰام ﺑﻘﻮاﻋﺪ اﻟﺴﻴﻮﻟﺔ ﺑﺎزل ‪.III‬‬ ‫ومبﺠﺮد أن ﻳﺘﻢ متﺮﻳﺮ اﻟﻘﺎﻧﻮن‪ ،‬ﻳﻜﻮن اﻟﺒﻨﻚ اﳌﺮﻛﺰي ﻟﺪﻳﻪ ﺳﻠﻄﺔ إﺻﺪار‬ ‫أذون اﻟﺨﺰاﻧﺔ ﻗﺼرية اﻷﺟﻞ ﻧﻴﺎﺑﺔ ﻋﻦ اﻟﺤﻜﻮﻣﺔ‪ ،‬ﻹدارة اﻟﺴﻴﻮﻟﺔ ﰲ‬ ‫اﻟﻨﻈﺎم اﳌﴫﰲ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ميﻜﻦ إﺻﺪار اﻟﺴﻨﺪات ﻋﲆ اﳌﺪى‬ ‫اﻟﻄﻮﻳﻞ واﻟﺬي ﻳﺴﺎﻋﺪ أﻳﻀﺎ ﻋﲆ متﻮﻳﻞ ﻣﺸﺎرﻳﻊ اﻟﺘﻨﻤﻴﺔ ﰲ اﻟﺤﻜﻮﻣﺔ‬ ‫اﻻﺗﺤﺎدﻳﺔ‪ ،‬واﻟﺬي ﺗﺤﺼﻞ ﺣﺎﻟﻴﺎ ﻋﲆ ﻏﺎﻟﺒﻴﺔ متﻮﻳﻠﻬﺎ ﻣﻦ أﺑﻮ ﻇﺒﻲ‪ .‬وﻣﻊ‬ ‫ذﻟﻚ‪ ،‬وﺣﻴﺚ أن دراﺳﺎت اﻟﺠﺪوى ﻻ ﺗﺰال ﺟﺎرﻳﺔ‪ ،‬ﻻ ميﻜﻦ اﻟﺘﺄﻛﻴﺪ ﻋﲆ‬ ‫ﻣﻮﻋﺪ إﺻﺪار اﻟﺴﻨﺪات اﻟﺤﻜﻮﻣﻴﺔ‪.‬‬

‫وﻛﺎن اﻻﻧﺘﻌﺎش ﻣﻠﺤﻮﻇﺎ ﺧﺼﻮﺻﺎ ﰲ ﺳﻮق ديب اﳌﺎﱄ اﻟﺬي اﻧﺨﻔﺾ‬ ‫ﺑﻨﺴﺒﺔ ‪ 5.99‬ﰲ اﳌﺎﺋﺔ ﻳﻮم اﻻﺣﺪ‪ ،‬وﻳﺮﺟﻊ ذﻟﻚ أﺳﺎﺳﺎ إﱃ اﻧﺨﻔﺎض ﺳﻌﺮ‬ ‫ﺳﻬﻢ أراﺑﺘﻚ ﺑﻨﺴﺒﺔ ‪ 9.9‬ﰲ اﳌﺎﺋﺔ‪ .‬ﻳﻮم اﻻﺛﻨني‪ ،‬واﺻﻠﺖ أﺳﻬﻢ اﻟﴩﻛﺔ‬ ‫ﻟﺘﻜﻮن راﺋﺪة ﺑني اﻷﺳﻬﻢ اﳌﺘﺪاوﻟﺔ ﻣﻦ ﺣﻴﺚ اﻟﻘﻴﻤﺔ‪ ،‬وﻫﻮ ﻣﺎ ميﺜﻞ ‪54‬‬ ‫ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻘﻴﻤﺔ اﻹﺟامﻟﻴﺔ ﻟﻸﺳﻬﻢ اﳌﺘﺪاوﻟﺔ ﰲ ﺳﻮق ديب اﳌﺎﱄ‪.‬‬ ‫وﻗﺪ ﺗﻢ ﺗﺪاول أﺳﻬﻢ ﺑﻘﻴﻤﺔ ‪ 1.5‬ﻣﻠﻴﻮن درﻫﻢ ﻣﻦ أﺳﻬﻢ اﻟﴩﻛﺔ‪ ،‬ﻋﲆ‬ ‫اﻟﺮﻏﻢ ﻣﻦ اﻧﺨﻔﺎض ﺑﻨﺴﺒﺔ ‪ 1.79‬ﰲ اﳌﺎﺋﺔ ﰲ ﻗﻴﻤﺘﻬﺎ اﻹﺟامﻟﻴﺔ‪ .‬ﺣﺎﻓﻈﺖ‬ ‫أﺳﻬﻢ اﻟﴩﻛﺔ‪ ،‬اﻟﺘﻲ ﺑﺪأت اﻟﻴﻮم ﻋﻨﺪ ‪ 4.1‬درﻫﻢ‪ ،‬واﺳﺘﻘﺮت ﺣﺘﻰ‬ ‫ﻣﻨﺘﺼﻒ اﻟﻨﻬﺎر وﺑﻌﺪ ذﻟﻚ واﺻﻠﺖ اﻻرﺗﻔﺎع ﻟﺘﻐﻠﻖ ﻋﻨﺪ ‪ 4.38‬درﻫﻢ‪.‬‬

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‫‪2014‬‬

‫‪2.74‬‬ ‫‪2014‬‬ ‫ﰲ اﻟﻨﺼﻒ اﻷول ﻣﻦ ﻋﺎم ‪ ،2014‬ﳌﺲ ﻣﻌﺪل اﻟﺘﻀﺨﻢ اﻟﺴﻨﻮي ﰲ ديب‬ ‫‪ 2.74‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﻓﻘﺎ ﻟﺒﻴﺎﻧﺎت ﺻﺎدرة ﻣﻦ ﻣﺮﻛﺰ إﺣﺼﺎء ديب )‪،(DSC‬‬ ‫ﻣﺴﺠﻼ زﻳﺎدة ﻛﺒرية ﻣﻦ ‪ 1.6‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﻨﺼﻒ اﻷول ﻣﻦ ﻋﺎم‬ ‫‪ .2013‬اﻹﻳﺠﺎرات وﺗﻜﺎﻟﻴﻒ اﳌﺮاﻓﻖ اﻟﺘﻲ متﺜﻞ ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 44‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﻔﻘﺎت اﻻﺳﺘﻬﻼﻛﻴﺔ‪ ،‬ﻛﺎﻧﺖ ﻣﺴﺆوﻟﺔ ﻋﻦ أﻛﱪ ﻣﺴﺎﻫﻤﺔ ﰲ‬ ‫ارﺗﻔﺎع اﻷﺳﻌﺎر‪ .‬وﻣﺜﻠﺖ ﻣﺠﺘﻤﻌﺔ ‪ 4.58‬ﰲ اﳌﺎﺋﺔ ﻛﺰﻳﺎدة ﻋﲆ اﺳﺎس‬ ‫ﺳﻨﻮى وﺑﻨﺴﺒﺔ ‪ 0.2‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﺳﺎس ﺷﻬﺮي ﻣﻦ ﺷﻬﺮ ﻣﺎﻳﻮ ﻋﺎم‬ ‫‪.2014‬‬ ‫ﰲ ﻗﻄﺎع اﻹﺳﻜﺎن‪ ،‬ﻛﺎن اﻻرﺗﻔﺎع ﺳﺒﺒﻪ اﻻﻳﺠﺎرات اﻟﺘﻲ ارﺗﻔﻌﺖ ﺑﻨﺴﺒﺔ‬ ‫‪ 5.03‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻨﺼﻒ اﻷول ﻣﻦ اﻟﻌﺎم‪ .‬وارﺗﻔﻌﺖ أﺳﻌﺎر اﻟﻐﺎز‬ ‫ﺑﻨﺴﺒﺔ ‪ 11.89‬ﰲ اﳌﺎﺋﺔ ﺧﻼل ﻧﻔﺲ اﻟﻔﱰة‪ .‬وﺷﻤﻠﺖ اﻟﻨﻔﻘﺎت اﻻﺳﺘﻬﻼﻛﻴﺔ‬ ‫اﻷﺧﺮى اﻟﺘﻲ زادت ﰲ اﻷﺷﻬﺮ اﻟﺴﺘﺔ اﻷوﱃ ﺗﻜﻠﻔﺔ اﻟﺘﻌﻠﻴﻢ )‪ 4.43‬ﰲ‬ ‫اﳌﺎﺋﺔ(‪ ،‬واﻷﻏﺬﻳﺔ واﳌﴩوﺑﺎت ﻏري اﻟﻜﺤﻮﻟﻴﺔ )‪ 3.36‬ﰲ اﳌﺎﺋﺔ( واﳌﻌﺪات‬ ‫اﳌﻨﺰﻟﻴﺔ واﻟﺼﻴﺎﻧﺔ اﳌﻨﺰﻟﻴﺔ )‪ 2.53‬ﰲ اﳌﺎﺋﺔ(‪.‬‬

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‫ﻣﺆﺧﺮا‪ ،‬ﻛﺎن ﺻﻨﺪوق اﻟﻨﻘﺪ اﻟﺪوﱄ ﺗﻮﻗﻊ ارﺗﻔﺎع اﻟﺘﻀﺨﻢ ﰲ اﻹﻣﺎرات‬ ‫اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺑﺴﺒﺐ ارﺗﻔﺎع اﻻﻳﺠﺎرات‪ .‬وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮات ﺻﻨﺪوق‬ ‫اﻟﻨﻘﺪ اﻟﺪوﱄ‪ ،‬ﻓﺈن ﻣﻌﺪل اﻟﺘﻀﺨﻢ ﰲ ﺑﻼد اﻟﴩق اﻷوﺳﻂ ‪ 2.2‬ﰲ اﳌﺎﺋﺔ‬ ‫ﰲ ﻋﺎم ‪ 2014‬و ‪ 2.5‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪ ،2015‬وﺣﺬر ﻣﻦ أن زﻳﺎدة‬

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‫ﻣﺮاﻛﺰ اﻟﺘﺴﻮق ﰲ اﻟﻌﺎمل ﻋﲆ ﻣﺴﺎﺣﺔ أﻛرث ﻣﻦ ‪ 743،000‬ﻣﱰ ﻣﺮﺑﻊ‬ ‫واﻟﺬي ﺳﻮف ﻳﻜﻮن ﻣﺘﺼﻼً مبﺎ ﻳﻘﺮب ﻣﻦ ‪ 100‬ﻓﻨﺪق‪.‬‬

‫΃ ﻣﻨﺢ ﻣﴩوﻋﻲ ﻓﻨﺪﻗﻲ ﺑﺎمل ﺟﻤريا ﻟﴩﻛﺔ ‪ - CSCEC‬ﻓﺎزت ﴍﻛﺔ‬ ‫ﻫﻨﺪﺳﺔ اﻟﺒﻨﺎء اﻟﺼﻴﻨﻴﺔ ﺑﻌﻘﻮد ﺑﻨﺎء ﻓﻨﺪﻗني ﺟﺪﻳﺪﻳﻦ‪ ،‬واﻟﻠﺬان ﺳﻴﻜﻮﻧﺎن‬ ‫ﻣﻨﺘﺠﻌني ﻣﻦ ﻓﺌﺔ اﻟﺨﻤﺲ ﻧﺠﻮم وﺳﻴﺘﻢ إﻧﺸﺎؤﻫام ﻋﲆ اﻷراﴈ‬ ‫اﳌﺠﺎورة ﰲ ﺑﺎمل ﺟﻤريا‪ .‬وﺳﻮف ﺗﻜﻮن ﻣﺴﺎﺣﺔ ﻛﻞ ﻓﻨﺪق ﺣﻮاﱄ‬ ‫‪ 100،000‬ﻣﱰ ﻣﺮﺑﻊ‪ ،‬وﺳﻮف ﻳﻮﻓﺮان ﻣﻌﺎً ‪ 592‬ﻏﺮﻓﺔ ﻗﻴﺎﺳﻴﺔ‪ ،‬ﺑﺎﻹﺿﺎﻓﺔ‬ ‫إﱃ ﺟﻨﺎح رﺋﺎﳼ وأﺟﻨﺤﺔ ﻓﺎﺧﺮة‪.‬‬

‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن ﺻﻨﺪوق اﻟﻨﻘﺪ اﻟﺪوﱄ ﻗﺪ ﻧﺼﺢ ﻣﺆﺧﺮا ﺳﻠﻄﺎت‬ ‫اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺑﻮﺿﻊ ﺗﺪاﺑري ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﻘﻠﻞ ﻣﻦ إﻣﻜﺎﻧﻴﺔ‬ ‫ﺣﺪوث ﻓﻘﺎﻋﺔ ﻋﻘﺎرﻳﺔ ﻣﺜﻞ ﺗﻠﻚ اﻟﺘﻲ ﺗﺰاﻣﻨﺖ ﻣﻊ اﻷزﻣﺔ اﳌﺎﻟﻴﺔ اﻟﻌﺎﳌﻴﺔ‬ ‫ﻋﺎم ‪ ،2009‬إﻻ أن ﻫﻨﺎك ﻋﺪد ﻣﻦ اﳌﺸﺎرﻳﻊ اﻟﺠﺪﻳﺪة ﻗﻴﺪ اﻟﺘﻨﻔﻴﺬ‪،‬‬ ‫واﻟﺘﻲ ﺗﻬﺪف إﱃ ﺗﻠﺒﻴﺔ ﻃﻠﺐ ﻣﻌﺮض ديب وورﻟﺪ اﻛﺴﺒﻮ ﻋﺎم ‪.2020‬‬ ‫وﻳﺘﻮﻗﻊ اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﻄﻮرﻳﻦ اﻷﺟﺎﻧﺐ ارﺗﻔﺎﻋﺎ ﰲ ﺣﺮﻛﺔ اﻟﺘﺪاول‬ ‫واﻟﻄﻠﺐ ﺑﻴﻨام ﺗﺴﺘﻌﺪ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﳌﻌﺮض اﻛﺴﺒﻮ وﺗﻄﺮح‬ ‫ﻣﺸﺎرﻳﻊ ﻟﺠﺬب اﳌﺴﺘﺜﻤﺮﻳﻦ اﻷﺛﺮﻳﺎء ﰲ ﻣﻨﻄﻘﺔ اﻟﴩق اﻷوﺳﻂ‪.‬‬

‫΃ ﻧﺨﻴﻞ ﺗﻌﻠﻦ ﻋﻦ ﻣﴩوع ﻓﻴﻼت ﰲ ﻧﺪ اﻟﺸﺒﺎ – ﺳﻮف ﻳﺘﻀﻤﻦ‬ ‫اﳌﺠﺘﻤﻊ اﻟﺮﺋﻴﴘ ‪ 1000‬ﻓﻴﻼ‪ ،‬مبﺎ ﰲ ذﻟﻚ ‪ 100‬ﻣﻦ اﳌﺴﺎﻛﻦ اﻟﻔﺎﺧﺮة‬ ‫اﳌﻔﺮوﺷﺔ‪ ،‬إﱃ ﺟﺎﻧﺐ ﻣﺮاﻓﻖ اﻟﺘﺠﺰﺋﺔ واﻟﱰﻓﻴﻪ‪ .‬وﻳﻘﻊ اﳌﴩوع ﻋﲆ‬ ‫ﻣﺴﺎﻓﺔ ‪ 10‬دﻗﺎﺋﻖ ﺑﺎﻟﺴﻴﺎرة ﻣﻦ ﺑﺮج ﺧﻠﻴﻔﺔ وﺗﻘﺪر ﻗﻴﻤﺔ اﻟﺒﻨﺎء ﺑﺎﳌﴩوع‬ ‫ﺑﺤﻮاﱄ ‪ 2.5‬ﻣﻠﻴﺎر درﻫﻢ‪ ،‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﻜﺘﻤﻞ ﰲ ﻋﺎم ‪.2016‬‬

‫΃ ﻻ زﻳﺎدة ﰲ رﺳﻮم ﺗﺴﺠﻴﻞ اﻟﻌﻘﺎرات ﺑﺤﺴﺐ ﻣﺎ ﴏﺣﺖ ﺑﻪ داﺋﺮة‬ ‫اﻷراﴈ ﰲ ديب ‪ -‬ردا ﻋﲆ ﺗﻘﺮﻳﺮ ﺻﻨﺪوق اﻟﻨﻘﺪ اﻟﺪوﱄ ﻣﺆﺧﺮا اﻟﺬي‬ ‫ﻳﺤﺪد ﺗﺪاﺑري اﻟﺮﻗﺎﺑﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ رﻓﻊ رﺳﻮم ﺗﺴﺠﻴﻞ اﻟﻌﻘﺎرات‪ ،‬ﻟﺤامﻳﺔ‬ ‫ﺳﻮق اﻟﻌﻘﺎرات ﰲ ديب‪ ،‬أوﺿﺢ ﺳﻠﻄﺎن ﺑﻄﻲ ﺑﻦ ﻣﺠﺮن‪ ،‬اﳌﺪﻳﺮ اﻟﻌﺎم‬ ‫ﻟﺪاﺋﺮة اﻷراﴈ ﰲ ديب‪ ،‬أﻧﻪ ﻻ ﺗﻮﺟﺪ ﻟﺪى داﺋﺮة اﻷراﴈ ﺧﻄﻂ ﻟﺰﻳﺎدة‬ ‫رﺳﻮم اﻟﺘﺴﺠﻴﻞ‪.‬‬

‫] ‪Sale Price [ USD/SQF‬‬

‫] ‪Rental Price [ USD/SQF‬‬ ‫‪4‬‬ ‫‪3‬‬

‫‪June 2014: Dubai‬‬ ‫‪– USD 2.29/SQF‬‬

‫‪2‬‬ ‫‪June 2014: Abu Dhabi‬‬ ‫‪– USD 2.17/SQF‬‬

‫‪2014‬‬ ‫‪reidin.com‬‬

‫‪2010‬‬ ‫‪Abu Dhabi‬‬

‫‪2005‬‬ ‫‪Dubai‬‬

‫‪1‬‬

‫‪750‬‬ ‫‪500‬‬

‫‪June 2014: Dubai‬‬ ‫‪– USD 406/SQF‬‬

‫‪250‬‬

‫‪June 2014: Abu Dhabi‬‬ ‫‪– USD 388/SQF‬‬ ‫‪ ‬‬

‫‪2010‬‬ ‫‪reiding.com‬‬

‫‪Abu Dhabi‬‬

‫‪0‬‬

‫‪2005‬‬ ‫‪Dubai‬‬

‫‪5‬‬

‫‪- 20‬‬

‫‪2014‬‬

‫ﻧﺤﻮ ‪ 85‬ﰲ اﳌﺎﺋﺔ ﺧﻼل ﺷﻬﺮ ﻣﺎﻳﻮ ﻣﻦ ﻋﺎم ‪ .2014‬ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪،‬‬ ‫ﻣﻊ ارﺗﻔﺎع أﺳﻌﺎر ﻏﺮف اﻟﻔﻨﺎدق ﺧﻼل اﻟﺴﻨﻮات اﻟﺜﻼث اﳌﺎﺿﻴﺔ ﻟﺘﺼﻞ‬ ‫إﱃ ‪ 1،013‬درﻫﻢ‪ ،‬ﺗﻌﺪ ديب ﻫﻲ واﺣﺪة ﻣﻦ اﻷﺳﻮاق اﻷﻓﻀﻞ أداء ﰲ‬ ‫اﻟﻌﺎمل‪.‬‬

‫وﻓﻘﺎ ﻟﻠﺒﻴﺎﻧﺎت اﻟﺘﻲ ﺗﻢ ﺟﻤﻌﻬﺎ ﻣﺆﺧﺮا ﻣﻦ ﻗﺒﻞ أﺳﺘﻴﻜﻮ‪ ،‬ﻓﺈن أﻏﲆ‬ ‫اﳌﻨﺎﻃﻖ ﰲ ديب ﻣﻦ ﺣﻴﺚ اﻻﻳﺠﺎرات ﻫﻲ ﺗﻠﻚ اﻟﻮاﻗﻌﺔ ﺑﺎﻟﻘﺮب ﻣﻦ‬ ‫ﺷﺎرع اﻟﺸﻴﺦ زاﻳﺪ أو اﳌﺮﻛﺰ اﻟﺘﺠﺎري‪ ،‬ﰲ ﺣني أن أرﺧﺺ اﻷﻣﺎﻛﻦ ﻫﻲ‬ ‫اﳌﺪﻳﻨﺔ اﻟﻌﺎﳌﻴﺔ ودﻳﺮة‪ .‬وﺷﻤﻞ اﻟﺘﻘﺮﻳﺮ ‪ 10‬ﻣﻮاﻗﻊ ﻟﻠﺸﻘﻖ ﰲ ديب‪،‬‬ ‫وﻟﻜﻨﻬﺎ مل ﺗﺸﻤﻞ اﳌﺠﺘﻤﻌﺎت اﻟﻄﺮﻓﻴﺔ ﻣﺜﻞ اﻟﻨﻬﺪة‪ ،‬ﺣﻴﺚ ﻗﺪ ﺗﻜﻮن‬ ‫اﻻﻳﺠﺎرات ﻣﻌﻘﻮﻟﺔ أﻛرث‪.‬‬ ‫اﳌﺪﻳﻨﺔ اﻟﺪوﻟﻴﺔ‪ ،‬اﻟﺘﻲ ﺗﺒﻌﺪ ﺣﻮاﱄ ‪17‬ﻛﻢ ﻋﻦ ديب ﻣﻮل‪ ،‬ﺗﻮﻓﺮ أرﺧﺺ‬ ‫اﻻﻳﺠﺎرات ﺣﻴﺚ ﺗﻮﻓﺮ اﺳﺘﻮدﻳﻮﻫﺎت ﰲ اﳌﺠﺘﻤﻊ ﺑﺤﻮاﱄ ‪ 35،000‬درﻫﻢ‬ ‫إﱃ ‪ 43،000‬درﻫﻢ ﺳﻨﻮﻳﺎ‪ .‬ﺛﻢ ﺗﻠﻴﻬﺎ دﻳﺮة ﻣﻦ ﺣﻴﺚ اﳌﻮاﻗﻊ اﻷﻛرث‬ ‫ﻣﻌﻘﻮﻟﻴﺔ ﻣﻦ ﺣﻴﺚ اﻷﺳﻌﺎر ﺣﻴﺚ ﺗﺒﻠﻎ ﻗﻴﻤﺔ اﻻﻳﺠﺎرات ﻟﻼﺳﺘﻮدﻳﻮ ﻣﺎ‬ ‫ﺑني ‪ 38،000‬درﻫﻢ و ‪ 50،000‬درﻫﻢ‪ .‬ﻟﻠﻤﺴﺘﺄﺟﺮﻳﻦ اﻟﺬﻳﻦ ﺗﺘﻮﻓﺮ‬ ‫ﻟﺪﻳﻬﻢ ﻣﻴﺰاﻧﻴﺔ أﻛﱪ ﻗﻠﻴﻼ‪ ،‬ﺗﺘﻮﻓﺮ اﻻﺳﺘﻮدﻳﻮﻫﺎت ﰲ ﻗﺮﻳﺔ ﺟﻤريا ﺑني‬

‫‪ 50،000‬درﻫﻢ إﱃ ‪ 60،000‬درﻫﻢ‪ ،‬ﰲ ﺣني ﻳﺼﻞ إﻳﺠﺎر اﻻﺳﺘﻮدﻳﻮﻫﺎت‬ ‫ﰲ دﻳﺴﻜﻔﺮي ﻏﺎردﻧﺰ إﱃ ‪ 52،000‬درﻫﻢ إﱃ ‪ 57،000‬درﻫﻢ ﻫﻲ ﺧﻴﺎر‬ ‫آﺧﺮ‪.‬‬ ‫أﻣﺎ اﳌﻨﻄﻘﺔ اﻟﺮﺋﻴﺴﻴﺔ ﻣﻦ ﺣﻴﺚ اﻹﻳﺠﺎرات ﻓﻬﻲ وﺳﻂ ﻣﺪﻳﻨﺔ ﺑﺮج‬ ‫ﺧﻠﻴﻔﺔ وﻣﺎ ﺣﻮﻟﻪ‪ ،‬ﻋﲆ ﻣﻘﺮﺑﺔ ﻣﻦ ﻣﻨﻄﻘﺔ اﻟﺘﺴﻮق اﻟﺸﻬرية ﰲ ديب‬ ‫ﻣﻮل‪ .‬ﺟﻤريا ﺑﻴﺘﺶ رﻳﺰﻳﺪﻧﺲ )‪ ،(JBR‬واﻟﺘﻲ ﺗﺘﻴﺢ اﻟﻔﺮﺻﺔ ﻟﻠﻌﻴﺶ ﻋﲆ‬ ‫ﺷﺎﻃﺊ اﻟﺒﺤﺮ‪ ،‬ﻫﻲ ﻣﻨﻄﻘﺔ أﺧﺮى ﻣﺮﺗﻔﻌﺔ اﻷﺳﻌﺎر‪ .‬ﰲ ﻛﻞ ﻣﻦ ﻫﺬه‬ ‫اﳌﻨﺎﻃﻖ‪ ،‬ﻳﺼﻞ ﻣﺘﻮﺳﻂ اﻹﻳﺠﺎرات ﻟﺸﻘﻖ اﻻﺳﺘﻮدﻳﻮ ﺣﻮاﱄ ‪82،500‬‬ ‫درﻫﻢ ﺳﻨﻮﻳﺎ‪ .‬وﺗﻜﻮن ﺷﻘﻖ اﻻﺳﺘﻮدﻳﻮ ﻋﲆ ﻃﻮل ديب ﻣﺎرﻳﻨﺎ وﺷﺎرع‬ ‫اﻟﺸﻴﺦ زاﻳﺪ أرﺧﺺ ﻗﻠﻴﻼ‪ ،‬وﺗﺼﻞ ﰲ اﳌﺘﻮﺳﻂ إﱃ ﺣﻮاﱄ ‪ 80،000‬درﻫﻢ‬ ‫ﺳﻨﻮﻳﺎً‪.‬‬ ‫ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﳌﺪﻳﻨﺔ‪ ،‬واﺻﻠﺖ أﺳﻌﺎر اﻹﻳﺠﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ اﻻرﺗﻔﺎع‬ ‫ﺧﻼل اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ ،2014‬ﻣﻊ زﻳﺎدة ﺗﱰاوح ﺑني ‪ 1‬ﰲ اﳌﺎﺋﺔ إﱃ‬ ‫‪ 10‬ﰲ اﳌﺎﺋﺔ‪ .‬ﻣﻦ ﺣﻴﺚ اﻟﻨﻤﻮ ﻋﲆ اﺳﺎس ﺳﻨﻮى‪ ،‬ارﺗﻔﻌﺖ اﻟﺸﻘﻖ ﻋﲆ‬ ‫ﻃﻮل ﺷﺎرع اﻟﺸﻴﺦ زاﻳﺪ‪ ،‬ﺣﻴﺚ ﺗﻘﻊ أﻏﲆ اﻟﺸﻘﻖ ﰲ اﳌﺪﻳﻨﺔ‪ ،‬ﺑﻨﺴﺒﺔ ‪22‬‬ ‫ﰲ اﳌﺎﺋﺔ‪ .‬ﰲ اﳌﻘﺎﺑﻞ‪ ،‬ﻛﺎﻧﺖ أﻋﲆ زﻳﺎدة ﰲ ﻣﻌﺪﻻت اﻹﻳﺠﺎر ﰲ اﳌﺪﻳﻨﺔ‬ ‫ﻫﻲ ﰲ اﳌﺪﻳﻨﺔ اﻟﻌﺎﳌﻴﺔ ﺣﻴﺚ ﺳﺠﻠﺖ اﻹﻳﺠﺎرات ‪ 66‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﻤﻮ‬ ‫ﻋﲆ اﺳﺎس ﺳﻨﻮى‪.‬‬ ‫وﺷﻤﻠﺖ اﳌﻨﺎﻃﻖ اﻷﺧﺮى اﻟﺘﻲ ﺷﻬﺪت زﻳﺎدات ﺳﻨﻮﻳﺔ ﻛﺒرية ﰲ‬ ‫ﻣﻌﺪﻻت اﻹﻳﺠﺎر ﺷﻘﻖ اﻟﺠﻤريا )‪ 54‬ﰲ اﳌﺎﺋﺔ(‪ ،‬دﻳﺮة )‪ 49‬ﰲ اﳌﺎﺋﺔ(‬ ‫اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ ﰲ ديب ﻣﺎرﻳﻨﺎ )‪ 45‬ﰲ اﳌﺎﺋﺔ(‪.‬‬

‫ﻣﻊ اﻻﺗﺠﺎه اﻟﺼﻌﻮدي اﻟﺴﺎﺋﺪ ﰲ اﻟﺴﻮق‪ ،‬وﺧﺼﻮﺻﺎ ﺑني اﳌﻄﻮرﻳﻦ‪،‬‬ ‫ﺗﻮاﺻﻞ اﻟﻌﻘﺎرات ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة منﻮﻫﺎ ﻋﲆ اﻟﺮﻏﻢ‬ ‫ﻣﻦ اﻟﺘﺤﺬﻳﺮ اﻷﺧري ﻣﻦ ﺻﻨﺪوق اﻟﻨﻘﺪ اﻟﺪوﱄ )‪.(IMF‬‬ ‫اﺳﺘﻨﺎدا إﱃ ﺑﻴﺎﻧﺎت ﻣﻦ ‪ ،Reidin‬زادت ﻣﻌﺪﻻت إﻳﺠﺎر اﻟﺸﻘﻖ ﰲ ﺳﻮق‬ ‫اﻟﻌﻘﺎرات اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺑﻨﺤﻮ ‪ 30‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻫﻨﺎك اﻟﻌﺪﻳﺪ‬ ‫ﻣﻦ اﳌﺸﺎرﻳﻊ اﻟﻜﺒرية ﻗﻴﺪ اﻹﻧﺸﺎء‪ ،‬ﻣﻦ ﺑﻴﻨﻬﺎ وﻫﻮ اﳌﴩوع اﻷﻛرث‬ ‫ﻃﻤﻮﺣﺎً واﻟﺬي ﻳﺘﻢ ﻓﻴﻪ اﻟﺘﺤﻜﻢ ﰲ درﺟﺔ اﻟﺤﺮارة وﻫﻮ وورﻟﺪ ﻣﻮل‪.‬‬ ‫وﺳﻮف ﻳﻜﻮن اﻟﺘﻄﻮﻳﺮ اﻟﺬي ﺗﻌﻤﻞ ﻋﲆ إﻧﺸﺎﺋﻪ ﴍﻛﺔ ديب اﻟﻘﺎﺑﻀﺔ أﻛﱪ‬ ‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺗﻮاﺻﻞ اﻟﻨﻤﻮ اﻟﺬي ﺗﺸﻬﺪه ﺳﻮق اﻟﻌﻘﺎرات ﰲ ديب ﺧﻼل اﻟﺮﺑﻊ اﻟﺜﺎين‬ ‫ﻣﻦ ﻋﺎم ‪ ،2014‬وﻳﺮﺟﻊ ذﻟﻚ إﱃ ﺣﺪ ﻛﺒري إﱃ اﻷداء اﻹﻳﺠﺎيب ﻟﻘﻄﺎﻋﺎت‬ ‫اﻟﺘﺠﺰﺋﺔ واﻟﻔﻨﺎدق‪ ،‬وﻓﻘﺎ ﻷﺣﺪث ﺗﻘﺮﻳﺮ ﺻﺎدر ﻋﻦ ‪ .JLL‬ﺑﻴﻨام اﺳﺘﻤﺮ‬ ‫ارﺗﻔﺎع أﺳﻌﺎر اﻟﻘﻄﺎع اﻟﺴﻜﻨﻲ ﰲ ﻣﻌﻈﻢ اﳌﻨﺎﻃﻖ ﰲ ديب ﻣﺴﺠﻼً‬ ‫زﻳﺎدات ﻣﻌﺘﺪﻟﺔ‪ ،‬وﻫﻨﺎك دﻻﺋﻞ ﻋﲆ وﺗرية اﻟﺘﺒﺎﻃﺆ‪ .‬اﻧﺨﻔﺾ ﺣﺠﻢ‬ ‫ﻣﺒﻴﻌﺎت اﳌﻨﺎزل ﺧﻼل اﻟﺮﺑﻊ اﻟﺜﺎين وﺳﺠﻞ ﺳﻮق اﻟﻔﻴﻼت اﻟﺜﺎﻧﻮﻳﺔ أﻗﻞ‬ ‫ﻧﺸﺎط‪ .‬وأﻇﻬﺮت ﺑﻴﺎﻧﺎت ﻣﻦ داﺋﺮة اﻷراﴈ واﻷﻣﻼك )‪ (DLD‬أﻧﻪ ﰲ‬ ‫ﺣني أن ﺣﺠﻢ اﳌﺒﻴﻌﺎت ﻗﺪ اﻧﺨﻔﺾ ﰲ ﺟﻤﻴﻊ اﻟﻘﻄﺎﻋﺎت‪ ،‬ﺷﻬﺪت‬ ‫ﻣﺒﻴﻌﺎت اﻟﻔﻴﻼت أﻛﱪ ﻧﺴﺒﺔ ﺗﺮاﺟﻊ ﺑﺤﻮاﱄ ‪ 50‬ﰲ اﳌﺎﺋﺔ ﺧﻼل ﻣﺎﻳﻮ‬ ‫‪ 2014‬ﻣﻘﺎرﻧﺔ ﺑﺸﻬﺮ ﻣﺎﻳﻮ ‪.2013‬‬ ‫وﻗﺪ ﺳﺎﻫﻢ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي اﳌﺴﺘﻤﺮ ﰲ ديب ﰲ ﺗﺤﺴني اﻟﺜﻘﺔ ﰲ‬ ‫اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ‪ ،‬وﻫﺬا ﺑﺪوره زاد ﻣﻦ اﻟﻄﻠﺐ ﻋﲆ اﳌﺴﺎﺣﺎت‬ ‫اﻟﺘﺠﺎرﻳﺔ‪ .‬وﻟﻜﻦ‪ ،‬ﻣﻊ اﻧﺘﺸﺎر اﻟﺴﻮق ﻋﱪ اﻟﻌﺪﻳﺪ ﻣﻦ اﻷﺳﻮاق اﻟﺜﺎﻧﻮﻳﺔ‬ ‫واﻋﺘامد اﻷداء ﻋﲆ اﳌﻮﻗﻊ‪ ،‬ﻧﻮع اﻟﻌﻘﺎر‪ ،‬ﺗﺮاﺧﻴﺺ اﻟﺒﻨﺎء واﻟﺠﻮدة‪،‬‬ ‫ﻣﻌﺪﻻت اﻟﺸﻮاﻏﺮ واﻹﻣﺪادات ﰲ اﳌﺴﺘﻘﺒﻞ‪ ،‬ﻳﺘﻢ ﺗﻘﻴﻴﺪ اﻟﻨﻤﻮ ﰲ ﻫﺬا‬

‫اﻟﻘﻄﺎع‪ .‬اﳌﺴﺘﺄﺟﺮون اﻟﻜﺒﺎر ﻳﻔﻀﻠﻮن اﻻﻧﺘﻘﺎل إﱃ ﻣﺴﺎﺣﺎت ﺟﺪﻳﺪة‬ ‫ﻣﺨﺼﺼﺔ ﻻﺣﺘﻴﺎﺟﺎﺗﻬﻢ ﺑﺪﻻ ﻣﻦ اﻟﻨﻈﺮ إﱃ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ اﻷﻣﺜﻞ ﰲ‬ ‫اﳌﺒﺎين اﻟﻘﺎمئﺔ‪ .‬وﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪ ،‬ﻓﺈن ﻣﻌﺪﻻت اﻟﺸﻮاﻏﺮ ﰲ ﻗﻄﺎع اﳌﻜﺎﺗﺐ‬ ‫ﻣﺮﺗﻔﻌﺔ ﺟﺪا وﺗﺒﻠﻎ ﺣﻮاﱄ ‪ 25‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﻘﻄﺎع اﻟﺘﺠﺰﺋﺔ‪ ،‬ﻓﻐﻦ اﳌﻌﻨﻮﻳﺎت إﻳﺠﺎﺑﻴﺔ‪ .‬اﻹﻋﻼن اﻷﺧري‬ ‫ﻋﻦ وورﻟﺪ ﻣﻮل اﻟﺘﻲ ﺳﻴﻜﻮن أﻛﱪ ﻣﺮﺗني ﻣﻘﺎرﻧﺔ ﺑﺪيب ﻣﻮل ﻳﻌﺪ ﻣﺆﴍا‬ ‫ﻋﲆ اﻻﻫﺘامم اﳌﺴﺘﻤﺮ ﻣﻦ ﺗﺠﺎر اﻟﺘﺠﺰﺋﺔ‪ .‬وﻗﺪ ﺳﺠﻠﺖ أﻋﲆ اﻟﺰﻳﺎدات‬ ‫ﰲ اﻹﻳﺠﺎر ﰲ ﻣﺮاﻛﺰ اﻟﺘﺴﻮق اﳌﺘﻤﻴﺰة إﻗﻠﻴﻤﻴﺎً )ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 12‬ﰲ‬ ‫اﳌﺎﺋﺔ(‪ .‬وﺳﺠﻠﺖ ﻣﺮاﻛﺰ اﻟﺒﻴﻊ ﺑﺎﻟﺘﺠﺰﺋﺔ وﻣﺮاﻛﺰ اﻟﺘﺴﻮق اﻟﺼﻐرية‬ ‫اﻟﺜﺎﻧﻮﻳﺔ اﻟﺰﻳﺎدات أﻳﻀﺎً‪ ،‬وإن ﻛﺎن ﺑﻮﺗرية أﻛرث ﺗﻮاﺿﻌﺎ‪.‬‬ ‫ﰲ اﻟﻘﻄﺎع اﻟﻔﻨﺪﻗﻲ‪ ،‬واﺻﻠﺖ اﻟﺴﻮق ﰲ اﻟﻨﻤﻮ وﺳﺠﻠﺖ أﻋﲆ ﻣﺴﺘﻮى‬ ‫ﰲ أﻛرث ﻣﻦ ‪ 6‬ﺳﻨﻮات ﻋﲆ ﻣﺴﺘﻮى اﻹﻳﺮادات ﻟﻜﻞ ﻏﺮﻓﺔ ﻣﺘﺎﺣﺔ‪ ،‬ﻋﲆ‬ ‫اﻟﺮﻏﻢ ﻣﻦ إﺿﺎﻓﺔ ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 1،500‬ﻏﺮﻓﺔ ﻓﻨﺪﻗﻴﺔ ﺟﺪﻳﺪة إﱃ‬ ‫اﳌﺨﺰون ﺧﻼل اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ .2014‬اﺳﺘﻤﺮ ﻣﺘﻮﺳﻂ اﻹﺷﻐﺎل إﱃ‬ ‫‪3‬‬

HAPPY NEW YEAR 2014 Valoran Real Estate Brokers

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60 2014

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2018 5.99 2015

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Prepared by: Alpha & Beta FZE

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