December 2013 - eZine

Last Month at a Glance

International Real Estate News

Issue No. 12 - December 2013

International property market

Latest From the Economy

Dubai Freehold Property

Al Furjan and Masakin Al Furjan International Property Markets

Real Estate Investing Lessons

Lesson 10: How to Make an Offer for a Property

Prepared by: Alpha & Beta FZE

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Congratulations, The UAE has won the honour of hosting World Expo 2020.

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

News Digest

Last month at a glance

Dubailand On November 27th, nationals and residents of Dubai celebrated as the emirate won the bid for World Expo 2020, beating opposition from Brazil, Turkey and Russia. Representatives from 167 member nations of the Bureau International des Expositions (BIE) met in Paris to cast their votes, which saw Sao Paulo Brazil being eliminated in the first round and Izmir Turkey losing in the second round. In the final phase, Dubai recorded a stunning victory by winning 116 votes against Ekaterinberg Russia’s 47 votes.

The expo, which has in the past been credited for giving a boost to tourism and business in host cities, will increase the pace of economic growth in Dubai and the UAE. Real estate is also expected to boom, especially in areas close to the proposed site for the World Expo 2020. Dubailand, the mixed-use mega development by the Dubai

Properties Group is one of the developments that is attracting increased investor interest, due to its proximity to the World Expo 2020 site and its location in between Dubai International Airport and the Al Maktoum International Airport. Other districts such as Arjan, Liwan and Marjan also have a good potential for development because of their location.

The win by Dubai is likely to see increased interest from third party investors. DPG is already in the process of assessing the potential in Dubailand for setting up business hubs to provide services to key industries, including the logistics sector.

Work is also underway for the first hotel in the district, which is expected to open in the middle of next year. Other projects that are expected to come up soon in Dubailand include the Safa British Academy (a school following the British curriculum) and a football complex that has been approved by FIFA.

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Abu Dhabi Real Estate As Dubai’s property market seems to be slowing down, neighboring Abu Dhabi is seeing its real estate sale prices and rentals gaining. In the third quarter of 2013, increase in property prices in Abu Dhabi averaged 14.4 per cent. This was over an increase of 11.2 per cent during the second quarter, as per the latest report from Cluttons.

However, unlike in Dubai, where investors have a larger choice of property types, in Abu Dhabi, the steep rises have been limited to certain freehold clusters. Furthermore, the rise in prices has come about after realty values had bottomed out last year. In comparison, Dubai has seen property values rising over the past two years.

According to the Cluttons report, the price increases are backed by strong fundamentals. The economy of the emirate has been witnessing a growth in sectors such as education, healthcare, construction and hospitality that consequently, increases the skilled workforce and drives up demand for property.

in the third quarter (increasing by just 1 per cent compared to 4.5 per cent in the second quarter), with an increase in demand for properties, rentals could also see a surge. Analysts say the federal decree which required public sector workers to relocate to the emirate is responsible for the increase in demand.

It was only a while ago, just before the market peaked, that higher rents in Abu Dhabi drove residents out of the emirate to cheaper options in Dubai. Now, with the rents in Dubai peaking, it could result in a reverse migration that might see even non-public sector employees returning to Abu Dhabi.

Property values in Dubai had dipped in the third quarter, even prior to the September intervention by the Dubai Land Department and the subsequent measures of the UAE Central Bank.

At present, as per a report by Cluttons (real estate consultancy firm), the average value of capital gains stands at 8 per cent, a sharp dip compared to the 23 per cent gains in Q2 of 2013. In fact, while property values in Dubai are currently 52.3 per cent above the level when prices bottomed out in Q2 of 2009 and 47.6 per cent higher than the same period last year, it is still 25.7 per cent below the peak values in Q3 of 2008.

The decline in value extends even to rentals. While rental value gains touched 8.2 per cent in the second quarter, it has dropped to 3 per cent in the third quarter ending September 2013.

The current valuations of Abu Dhabi properties that are either completed or on the verge of completion is attractive for investors as new supply is still limited, due to which the properties can be easily rented out to guarantee income yield to the buyer. While rentals have been slow to gain 4

The reason for the slackening in property values is that although the economy continues to grow, income growth has not been keeping pace and is still lower than the growth in rental value. This situation is likely to continue over the next few quarters.

The measure taken by the DLD of raising registration charges from 2 per cent to 4 percent

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and the caps on mortgage lending announced by the Central Bank, especially with regard to the strict guidelines on the exposure of banks for second home purchases, will further contribute to slowing down growth in capital value. Loan to Value (LTV) ratios are now fixed at 60:40 for UAE nationals and 65:35 for expatriates.

for handover of the Gate Towers, a mixed use project that is located on Al Reem Island in Shams. The iconic development comprises 3,533 units, including apartments (studio, one, two and three bedroom) as well as penthouses and townhouses that look out over the Abu Dhabi skyline and the Gulf.

Abu Dhabi Does Away with

According to a statement issued

by Arabtec Holding, which is the largest

With the property market in the Emirate picking up, Abu Dhabi has removed the earlier five per cent annual cap on rent increases. According to a WAM report, a resolution passed by the Abu Dhabi Executive Council has annulled the limit on rent increases starting November 10th.

per cent. Over the same period, Net Income cent.

Following this change, rents will be determined by market forces and will be dependent on the location and area in which the building is situated.

Nakheel released residential plots in its Al

Other headlines in brief up to a maximum of AED3.3 million. The community is located close to Ibn Battuta Mall and in between Sheikh Zayed Road and Shiekh Mohammed Bin Zayed Road.

Abu Dhabi’s leading property developer, Aldar, announced the schedule

Sales Price [USD/SQM]

Rent Price [USD/SQM] 40

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Oct 2013: Dubai USD 3,455/SQM

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Latest from the economy

New Mortgage Rules

According to Standard & Poor’s, while the recently announced mortgage rules will increase the longterm credit risk profiles of banks and property developers in the UAE, it won’t have an immediate impact on their credit ratings. By forcing banks to move towards more conservative lending for residential real estate purchases, the new regulations will benefit their credit ratings in the long term.

From October 28th, 2013, the Central Bank introduced a cap on home loans at between 60 and 80 per cent of the property value. For properties in the pre-construction stage, the cap is set at 50 per cent. These measures, which have been taken to assuage concerns raised by the country’s banking sector, have been introduced to facilitate better control over the real estate market and to prevent the recurrence of another crash like in 2009 that resulted from uncontrolled lending.

6

The measures are likely to benefit the real estate sector as a whole, by allowing a slow and sustainable recovery rather than cashing in on a short-term boom in the property market.

Mortgage caps can play a role in reducing the volatility in the market and preventing another boom and bust cycle.

However, S&P feels that the mortgage caps will not have a major impact on the overall credit growth in the UAE, since at present, mortgages only account for less than 10 per cent of lending

by UAE banks.

Source: ReidIn.com

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Volatility in the Markets Indices On November 19th, UAE indices rose despite a decline in a majority of stocks in both Dubai and Abu Dhabi as markets continued to be volatile.

The Dubai Financial Market General Index closed at 2888.24, an increase of 1.14 per cent, with Emaar Properties being the most actively traded stock.

Speaking to the press ahead of the Summit on the Global Agenda, which was held in Abu Dhabi from 18th to 20th November, Sultan Bin Saeed Al Mansouri, the Minister of Economy, announced that the GDP of the country is expected to increase by approximately 4 to 4.5 per cent in 2013. He stressed that the UAE remained committed to the ongoing economic strategies, including development and diversification, which are in line with Vision 2021 that aims at making the UAE among the best countries in the world by 2021.

Al Mansouri also said predictions by the IMF of oil prices weakening next year would not affect the country’s growth, and the economy would continue to grow and become stronger as the oil sector contributes only around 30 to 33 per cent to the GDP of the country. In fact, its share will be further brought down to 10 per cent in the future.

The UAE Minister of Economy also reiterated that there would be no cuts in infrastructure projects.

The total trading volume of the day on the DFM was 424.71 million shares with a value of AED 570.16. Among the 31 stocks traded on the exchange, 14 increased while 13 declined and four remained unchanged.

Abu Dhabi’s ADX Securities General Index also rose moderately by 0.41 per cent to reach 3839.45 with 16 out of the 32 stocks traded on the exchange closing lower, while 12 increased and 4 remained constant. United Arab Bank witnessed the largest increase of 14.62 per cent closing at AED7.45. Other active stocks that recorded gains included Bildco (increase of 13.98 per cent to AED1.06) and Etisalat (gain of 0.43 per cent to AED11.60).

Source: Gulf News

The UAE was the 30th largest economy during the current year. Furthermore, with Foreign Direct Investments (FDI) reaching AED35 billion last year it remains one of the leading economies in terms of investment conduciveness. The country has also been ranked fourth for having the best infrastructure worldwide, besides being the 14th happiest country in the world and the 16th largest aid donor (according to OECD). www.valoran.ae

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Al Mansouri also said that while the country had worked hard to establish itself as one of the main hubs for international trade, further investments are being made by the government to enhance the country’s innovation capabilities for transitioning to the next phase of developing and strengthening the economy. The UAE has already signed innovation deals to this effect with South Korea, Canada and Italy. A similar agreement with Sweden is also in the pipeline. These agreements will result in innovations that will contribute approximately 5 per cent to the GDP by 2021.

Source: Gulf News

Economies The Asian countries, which are at present major centers of the Islamic economy, could see some serious competition from Dubai in the next

8

phase of evolution for sectors that require Sharia compliancy, including finance, insurance, Halal food and lifestyle, and travel, among others. These findings were part of the first report on the state of the global Islamic economy by Thomson Reuters, which was released in November 2013.

According to the report, Malaysia, which was, until now, the strongest all-round Islamic economy, seems to have reached a plateau, and Dubai, which has been working towards the goal of becoming the center of the global Islamic economy, has the highest potential. Other major centers around the world include Indonesia, Saudi Arabia and Turkey.

Global opportunities in the Islamic economy are not restricted to Islamic Finance, which is now a well-established sector across geographies. High potential sectors include Halal food and lifestyle segments, with Muslim consumer expenditure in 2012 being pegged at around $1.62 trillion and forecasts indicating that it could grow to $2.47 trillion by 2018. Other sectors such as clothing, cosmetics, pharmaceutical and recreation are also major sectors of the Islamic economy.

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Dubai Freehold Property Al Farjan and Masakin Al Furjan

Al Furjan, a development by Nakheel, is located near Jebel Ali. The development comprises four villages – North, South, East and West. The four villages share street scape designs and are linked by a network of pathways that allow residents to access the community’s amenities. Although each village has distinct characteristics that set it apart from the others, the designs complement each other to provide a balanced and aesthetically appealing development.

The master plan of the development includes a variety of entertainment amenities for families, including community parks for sports, recreation and picnics. Just across the road, in the Ibn Battuta Mall, residents can access over 250 retail stores, a 21 screen cinema complex, IMAX cinema, Giant supermarket and over 30 food outlets and restaurants. Other mixed-use projects in the community will include the luxury Grand Fort Hotel and Spa.

As per the master plan, once it is completed, the development will feature 4,000 units that include houses, apartments, hotels, commercial outlets and mixed use plots. Of these, 860 units will belong to the Al Furjan residential community, including Masakin Al Furjan, which will comprise 335 apartments located in the South Village. The remaining units are spacious three, four, five and six bedroom villas known as Al Furjan Villas.

The entire project, which is expected to cost USD 1.5 billion, is spread over an area of 5.6 million square meters and is situated off Mohammed Bin Zayed Road on the southern tip of New Dubai, close to Ibn Battuta and Discovery Gardens. With easy access to the arterial roads, the Dubai Marina and the Central district can also be reached within a short time.

Al Farjan, Dubai, United Arab Emirates

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Al Furjan Villas &

is the masherabiyas or the intricately carved panels.

There are three types of Al Furjan villas and

Masakin Al Furjan and six bedrooms. There are also two types of three bedroom terrace homes. The villas are design features.

Mediterranean design and the overall eclectic feel of North Africa with the use of colors and are in striking contrast to the linearity of the Dubai villas.

The Dubai villas feature elements of the local architectural style, which incorporates design that suits the climate in the region. The exterior of the villas has features such as wind towers, which are a distinct part of the traditional Dubai architecture, while the interiors follow a more up to date and modern style.

The Masakin development has 335 apartments that are built in the regional madinat architectural style with masherabiyas or lattice-work accentuating the design. The project consists that have a mix of one, two and three bedroom apartments. Parking extends over reserved spaces at the underground as well as ground levels.

The apartments are built overlooking an internal landscaped courtyard that includes in the development include a large enclosed swimming pool with wading areas, clubhouse, gymnasium, eating area and communal area. A grocery outlet is part of the future plans.

earth tones complemented by white and yellow detailing. A noticeable feature in these homes The Gardens, Dubai, United Arab Emirates

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Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Sales prices of residential units in the community differ based on the village, architectural style, type of home and number of bedrooms.

The average rental price in Al Furjan for villas

The average sales price of villas in the Al Furjan is AED 4,427,238, ranging from a low of AED 2,300,000 for a three bedroom villa to a high of AED 7,100,000 for a six bedroom mansion. The average sales price of an apartment in Masakin Al Furjan is AED 1,685,746. The prices range from AED AED 900,000 for a one bedroom apartment to AED 2,500,000 for a three bedroom apartment.

One bedroom apartment rentals start from

Property types

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International Real Estate News

lowest point in several years. There are also more mortgage products in the market in October than at any time since January 2009.

In October, the gross mortgage lending in the UK reached £17.6 billion, a 9 per cent increase over September’s £16.2 billion, and a significant 37 per cent increase compared to October last year, when it was £12.9 billion. According to the Council of Mortgage Lenders, this was the highest monthly figure after the £18.6 billion total that was achieved way back in October 2008. The CML also expects that housing activity in the UK will grow stronger in the short term and play an important part in the country’s overall economic growth.

While the Help to Buy initiative is expected to see a large number of first time home buyers utilizing the scheme in 2014, an interesting fact is that it hasn’t stopped around 95 per cent of mortgages coming into the market before Christmas from both first time buyers and second steppers.

According to data from Mortgage Advice Bureau (MAB), buyer applications have also grown in October by 19 per cent over September. This is an indication of the increasing demand from consumers and is a sign that the market could be in for a busy session before the end of the year.

An analysis of the variety and pricing of mortgages reveals the reason why more and more buyers are opting to move or remortgage. Two to three year fixed rates are averaging at lower levels than ever before. Similarly, five year rates are close to their 12

Five years since the onset of the global economic crisis of October 2008, the mortgage market in the UK seems poised for recovery. However, there is still a gap between availability of mortgages and houses, as homes continue to be in short supply.

Source: Propertywire.com

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

In the United States, sale of existing homes declined for a second month in a row, but despite this, the low inventory resulted in home prices witnessing double digit gains year on year.

According to data from the National Association of Realtors (NAR), existing home sales declined by 3.2 per cent to reach 5.12 million (seasonally adjusted) in October compared to 5.20 million in September. However, when compared to the 4.83 million unit level of October 2012, it is still up by 6 per cent.

According to Lawrence Yun, Chief Economist NAR, sales have maintained year ago levels over the past 28 months and are expected to remain flat, mainly due to eroding buying power. In addition, while a low inventory is preventing sales from taking off, it is simultaneously causing home prices to rise.

New home construction will help in relieving the pressure caused by short supply and also ease price gains.

In October, the national median for existing home prices was $199,500, an increase of 12.8

per cent year on year. This was a year on year double digit increase for the 11th consecutive month. Distressed home sales (short sale and foreclosures) accounted for 14 per cent of October home sales, which remained the same compared to September, but was far below the 25 per cent that was recorded in October 2012.

At the end of October, total housing inventory had decreased by 1.8 per cent to reach 2.13 million existing homes – a five month supply at the present rate of sales (4.9 months in September).

Source: www.propertywire.com

with the Brits With confidence in the UK economy increasing and the Pound Sterling regaining its edge, the number of enquiries in European countries that are traditionally second home destinations for Brit buyers is increasing. As per statistics from the Overseas Guides Company, requests for information about foreign property increased by 30 per cent year-on-year in Q3 of 2013.

The majority of the enquiries were for properties in France, Italy, Portugal and Spain. Ski resorts also saw increased interest at this time of the year, especially Chamonix and Mont Blanc in France.

Other destinations that attracted enquiries for property searches were Spain (Fuerteventura, Playa Blanca and Puerto del Carmen) and Portugal (Praia da Luz).

Spain continued to be the leader for property searches with the top five destinations being Andalucia, Canary Islands, Alicante, Costa del Sol and Valencia. In France, which was the second most popular destination (followed by the United States, Italy and Portugal),Aquitaine, Brittany, the French Riviera, Languedoc-Roussillon, Provence and the Cote d’Azur were the most searched destinations.

Source: www.propertywire.com

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Lifestyle

Maison ValGrine has released the ultimate golf putter, a handmade creation designed by Gregory Moreau, which blends masculine and feminine features to present a work of art that is beautiful and fluid. The design combines French tradition in metallurgical excellence with innovation and encapsulatesthe Maison ValGrine commitment towards combining technology, crafts, performance and jewelry to enhance the culture of luxury that the French are known for.

The ValGrine putter resembles a sculpture, and was made after three years of research and development and three patents for developing its accurate sound and light touch. The unique features of the putter include 56 diamonds grainset by 7 Place Vendome, a partner. Besides this its high end features include rings and screws made of brass alloy and gold, full-grain calf leather grip that is sewn with linen thread, wrought hosel carbon vacuum coated with seven layers of lacquer and ameteor-dust forged crown.

This unique putter is incomparable to any other in the world. The real pleasure of owning one of these, which is priced at € 44,278, increases once a player experiences its delicate touch on the green.

$10 Million Anti-aging Device

On September 27th, 2013, Abu Dhabi’s Emirate palace was the venue for the display of a unique anti-aging device that has been developed

by System 4 Technologies Gmbh. The ‘Human regenerator’, as this device is called, stole the show at the lifestyle products exhibition.

The device, which usually comes with a price tag of $557,000, will be produced on order and the company will manufacture only 50 pieces

14

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

of it in a year. The model at the expo was a diamond encrusted one with diamonds weighing approximately 6880 carats, which added to its exclusivity and took its price up to around $10 million. Despite the heavy price tag, the human regenerator at the exhibition attracted a lot of curiosity because of its claim of controlling the aging process to a small extent.

The device weighs 128 kg and has the capacity to accommodate one full-size human being. It uses a technology called Quantum Cell Code, which makes it replicate the body’s natural frequencies.

It generates longitudinal waves and with the use of deposits of silicon and aluminum creates the effect of anti-aging.

So, will this luxury device find a market with its current pricing? With the increasing number of billionaires worldwide, it’s anybody’s guess as to how many of these human regenerators will be produced annually.

Magical Holiday Memories Imagine spending the Holidays in a luxury ski chalet that looks like Santa’s workshop! Resorts West in association with New York City’s FAO Schwarz is offering a Holiday Memories Package wherein guests who book a package will not only get seven nights’ accommodation at a private home in one of three resorts (Canyons Resort, Mountain Resort and Valley Resort), but also a list of top selling toys in the FAQ Schwarz store, from which they can choose the ones that they would like to have their homes decorated with during their stay.

The package will be on offer from December 4th through to the 31st. When guests arrive at the resort, they will find their homes filled with the chosen toys. Once their week’s stay is complete, the toys will be shipped to the guest’s home.

The package is around $40,000 for a five-bedroom private home for a week. Customized packages are also available on request for smaller properties.

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International Property Markets China Taiwan, which is officially known as Republic of China, is the third fastest growing real estate market in the world as per the Q2 2013 Knight Frank Global House Price Index, with a growth rate of 15.4 per cent over twelve months. Around 99 per cent of the territory of Taiwan is located on The Island of Taiwan, which has Mainland China to its west, Philippines to the South and Japan in the north east. Besides the main island on which the capital Taipei is located, other islands that belong to the state are Kinmen, Matsu and Penghuas, as well as some minor islands. While most real estate activity is in Taipei, the capital, other areas such as the New North, Taoyuan, Hsinchu, Taichung and Kaohsiung have also been recording growth in property prices, especially for residential property, where prices have been increasing for the fourth year in a row.

The upward movement of prices began in 2009 following a steep reduction in the estate and gift tax by the Government. However, with low occupancy and oversupply, some experts believe that the Taiwan property market is facing a bubble. Economic growth in the country has not been keeping pace with real estate growth.

Forecasts indicate that the country will experience an economic growth rate of just 2.3% in 2013.

Once industrial production and infrastructural activity picks up, resulting in capital flowing to these sectors, the housing bubble might burst.

At present, demand is strong and construction activity continues to rise. The government 16

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

introduced a domestic luxury tax in 2011 to prevent speculative investments. As per this law, property owners who sell second homes, which are not occupied by them, within a year of purchase, have to pay 15 per cent tax. Similarly, for sale within two years, the rate of tax is 10 per cent.

Foreign individuals and companies can easily buy real estate in Taiwan after getting an approval from the government. Purchase of land by foreigners is restricted to personal investment and social welfare purposes. Transaction costs are moderate, ranging from 10.36 to 13.3 per cent, including deed tax, registration, stamp duty, legal fees, agent’s fee and notary. On the downside, rental yields in Taipei are the second lowest in the world after Monaco. In addition, for non-residents, rental income and capital gains attract tax rates of 20 per cent. There’s also a 5 per cent VAT on rentals.

Tenancy laws are pro-tenant, and as a result, many high end apartments are rented out as serviced apartments to avoid legal issues.

Residential Market Both T1 and T2 cities in China continue to grow as they are driven by consumption demand. Since the restrictions announced in 2011, investment related purchases have dropped from 50 per cent of all home purchases to around 10 per cent.

Beijing Despite the existing price control measures and additional steps taken by the Beijing government, the demand for home sales remained high in Q3 of 2013. The volume of transactions for highend residential apartments declined by 38 per cent quarter on quarter due to limited stock and absence of new supply, while high end apartment prices declined by 0.5 per cent over the same period. In the leasing market for high-end serviced apartments, which are sensitive to market fluctuations, vacancy rates reached 9.5 per cent Shangai, China

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Financial Indices - Beijing

Index

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(an increase of 0.1 percentage points quarter-onquarter). The demand for these apartments, which are usually leased out to executives of MNCs, declined due to the poor economic performance and continuing concerns about the low air quality in the city.

Financial Indices - Shanghai

Shanghai

18

Index

In Shanghai, primary sales of homes grew marginally by 5.4 per cent quarter-on-quarter in Q3 of 2013. Transaction volumes recorded a growth of 77 per cent year-on-year reaching 1.4 million square meters. First time buyers and upgraders accounted for the majority of the transactions in the primary segment. In the high end property segment, sales remained low due to the government’s home purchase restrictions, and registered a quarter-on-quarter decline of 19 per cent in Q3. The leasing market continued to witness slow demand from expats. With an addition to the stock due to the completion of new service apartments, the vacancy rate increased by 1.3 percentage points to hit 14.7 per cent in Q3.

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Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Office Market Beijing Overall demand remained weak in the office segment with international companies being cautious about expansion plans and recruitments.

Grade-A office rents continued to fall with space being handed back as companies looked to reduce office space requirements or relocate to lower grade office space due to declining affordability. As a result vacancy rates for Grade-A offices increased to 3.5 per cent in Q3 2013.

Beijing, China

Supply net take-up and vacancy rate, 2001 - Q3/2013

200

5%

0

0%

New supply (LHS)

Take-up (LHS)

Vacancy rate (RHS)

Q1-Q3/13

10%

12

400

11

15%

10

600

09

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08

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02

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Net take-up year-to-date fell to a decade low.

Source: Savills Research & Consultancy

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Shanghai With a delay in the handover of several developments, only three new Grade-A office projects were added to the stock. Together they accounted for an additional 176,000 square meters. Net take ups exceeded the limited supply due to which vacancy rates fell to 5.4 per cent by the end of Q2 2013. Despite the short supply and low vacancy rates, office rental growth continued to decline in the city. Grade-A office rents increased marginally by 0.7 per cent quarter-on-quarter in Q2 2013. Overall, due to business expectations being low and the prospect of increased future supply of Grade-A office space, rental increases have been slow.

Shanghai, China

Grade A office supply take-up and vacancy rate, 1992 - Q2/2013

6%

200

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100

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Source: Savills Research & Consultancy

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300

12

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07

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06

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05

700

04

16%

03

800

02

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01

900

00

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With successful pre-leasing in newly launched projects, vacancy rates continued to fall.

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Outlook The performance of China’s real estate sector is dependent upon the economy to a large extent.

Although the government has been using the property market growth to reach its GDP growth targets, other sectors of the economy, including manufacturing and exports continue to be weak.

Residential property demand has continued to be high since it is consumption driven. However, in the leasing segment, with international companies putting their expansion plans on hold, the demand for high end serviced apartment leases has dropped.

In the office segment, the lack of supply has caused vacancy rates to decline. However, rents have not increased due to landlords being concerned about the flood of office stock once several new projects are completed in the major cities over the next few years.

Shanghai, China

With the world economy projected to pick up, China will continue to be the leader in economic growth.

As long as the government continues to implement measures that prevent overheating of the real estate sector, the market is likely to remain stable. In addition, the steady economic growth that could result from the large scale infrastructure development as outlined in the 12th Five Year Plan will likely see continued demand for residential, office and commercial property.

Sources:

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Real Estate Investing Lesson 10

How to Make an Offer for a Property Once the process of valuation of property is complete (which we discussed in the previous month’s issue), and you have more or less decided on an investment that suits your requirements, it all comes down to negotiating with the seller and arriving at a deal that’s suitable to both parties. In this lesson, we take you through the process of negotiating realistically and provide tips on what to look at before making an offer.

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Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

This lesson shows you how to calculate a property’s Net Operating Income through determining its Income and Operating Expenses. In addition, we will look at how to calculate the actual Cash Flow from the property. These two calculations, while involving some number crunching, are essential as they are building blocks for common approaches that professional appraisers use for determining the value of a property.

You might have identified a property that is ideal in terms of location, price and returns. However, unless you can clinch the deal by making sure that the seller’s needs are also met you could end up losing out. There are a few things to keep in mind while negotiating, so that you don’t lose sight of the bigger picture.

Remember that you will not be living in it, just renting it out to earn enough to make the mortgage payments and build your wealth in the long term.

Do your homework In order to close the deal at a price that you think is reasonable you need to do thorough research of the property, the neighborhood, competing properties in the area, local laws and any other factor that might influence home prices. In most scenarios, sellers expect to get a higher price than what they know their property is worth. If you go armed with facts and figures that help in reasoning with him, you might be able to convince him to agree to the price that you think is fair.

Tip: Remember that most sellers are just hoping to get the most for their home, even if it isn’t justified.

Present your case well and you could get him to see things from your point of view.

Unless you are in the market for purchasing just one investment property and are not worried about your reputation in the real estate community for future transactions, it’s best to have the right approach to negotiating a deal.

Quite often, a buyer engages in hard bargaining, which may pressurize the seller into giving in.

However, word travels fast in the closely knit real estate community, and you might find yourself being sidelined for future purchases.

Think realistic rather than aggressive when it comes to finalizing the price. Bear in mind that even the weakest seller might have other options open, so unless you want to risk your chances of closing the deal on the property with a take-itor-leave-it approach, it’s best to look at the deal from the seller’s point of view and try to meet him half way. Low balling to see whether you might get lucky with a ridiculously low offer price is not recommended either.

Tip: With investment properties, it pays not to develop an emotional attachment to the home.

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economy For making the right offer, it’s important to be aware of the market situation and the trends in the local economy. Assessing the supply and demand for properties will give you a better idea of whether it is a buyer’s market or a seller’s market.

In a buyer’s market, negotiation gets easier since supply far exceeds demand. On the other hand, in a seller’s market paying a price that is higher than the replacement cost does not make sense, especially if your goal is to hold the property only for a short term.

There are situations where sellers who have witnessed property value appreciation over the past few years are unwilling to reduce their list price even when the market is flooded with alternate options. If you understand the conditions of the local economy, it will help you make the right decision about whether or not to increase your offer price.

Tip: Understanding market trends will help in getting a more realistic picture of whether or not the seller’s price is reasonable.

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motivations Every seller has a reason behind wanting to sell his property. Some might want to do so for meeting financial needs or reinvesting in another location.

Others might not be serious about selling the property and may be just testing the waters to see whether they can get a price that’s higher than the market value of the property.

By understanding the seller’s motivations you will be able to arrive at a price that satisfies his needs.

If you are looking at a property that the seller isn’t really interested to sell, there’s no point in wasting your time.

Tip: Try to spot whether the seller is genuine as it will save you time spent in unnecessary negotiation. A good test for this is assessing how cooperative the seller is. If he communicates on time and answers questions that you have, he is genuine. If there are long delays or a complete absence of communication, he just might not be interested!

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Lay the facts on the table It’s not enough to do your research and find out information, which you feel could influence the seller to lower the price. Once you’ve gathered the facts and figures, it’s best to sit across the table and make the seller understand that there is solid reasoning behind your request to bring down the price.

Don’t rely solely on the seller’s data, especially if there are repairs that need to be done on the property. Most sellers have access to market data, but use it to their advantage and present only facts that help them get the maximum value for their property. Do your own assessment, and discuss your findings with the seller to negotiate a better price for the property.

Tip: Rather than using the seller’s data to arrive at a price, gather facts on your own and present them to him so that the process of negotiation gets easier.

Quite often sellers have a magic number stuck in their head and are unwilling to budge from it. By getting creative in putting together an offer, you can get past this price barrier. For instance, you can agree to meet the seller’s price, but request whether he can in turn contribute to the cost of a major repair that is required. For most genuine sellers, time is an important part of closing a deal.

If you can convince the seller that you will close the deal quickly if he can bring down the price, it might work in your favor.

Once you have made an informal offer, which is agreeable to the seller, the next stage involves documenting the offer in the form of an agreement until the final transaction takes place.

In next month’s issue, we will take you through the process of understanding contracts and factoring in provisions that will safeguard your interests before the sale is complete.

Realistic Offer While negotiation is an important aspect of arriving at the right price, there are some other aspects to consider before deciding on an offer price.

Before arriving at an offer price, take into account the costs involved in fixing up the property so that it can earn the desired rental income. While the seller may have recently renovated parts of the property such as the flooring and appliances, there could be additional repairs that are required over the next few years. Try to factor in these costs, and allow at least an extra fifty per cent over the conservative estimates for covering any contingency. Reduce this figure from your offer price to arrive at a realistic bid.

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Properties of the month The Views

Golf Tower 2 1 bed apartment

990 sq. ft.

AED 1,650,000

Tanaro 2 bed apartment

The Views AED 2,400,000

L SA

L SA

2 bed apartment

1,249 sq. ft.

AED 2,600,000

E

E Down Town

Burj Views A

The Address Dubai Mall Hotel 1 bed apartment

Down Town AED 3,700,000

4 bed apartment

3,450 sq. ft.

AED 3,600,000

VI1254

4 bed apartment

Al Barsha AED 15,000,000

LE

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Barsha 2

SA

LE

SA For above listed properties contact

LE

SA

LE

SA Dubai Land

Falcon City

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Properties of the month Dubai Sport City

Hub Canal 2 1 bed apartment

1,033 sq. ft.

AED 850,000

JLT

Lake View Tower 1 bed apartment

1,390 sq. ft.

AED 1,500,000

L SA

L SA

Plot

15,400 sq. ft.

Jumeirah Islands

E

E

Jumeirah Islands Community

The Address Dubai Mall Hotel 1 bed apartment

AED 10,500,000

Down Town AED 3,100,000

LE

SA

LE

SA

Balqis Residence

The Palm Jumeirah

Qourtaj

2 bed apartment

AED 3,800,000

3 bed apartment

2,022 sq. ft.

Al Furjan AED 4,000,000

LE

SA

LE

SA For above listed properties contact

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Properties of the month Dubai Marina

Marina Terrace 1 bed apartment

1,100 sq. ft.

AED 1,850,000

Dubai Marina

Ocean Heights 3 bed apartment

1,995 sq. ft.

AED 4,200,000

L SA

L SA Jumeirah Village AED 3,100,000

2 bed apartment

VI1301

E

E

Jumeirah Village Circle

Dubai Marina

Al Mass Tower 2 bed apartment

1,545 sq. ft.

AED 185,000

RE

LE

NT

SA

The Address Lake Hotel 1 bed apartment

Down Town

2 bed apartment

AED 180,000

1,550 sq. ft.

Palm Jumeirah AED 2,400,000

LE

SA

NT RE For above listed properties contact 28

Shoreline, Al Hallawi

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Properties of the month Tecom

Auris Hotel AED 1,750,000

1 bed apartment

Tecom

Auris Hotel AED 1,600,000

1 bed apartment

L SA

L SA

AED

6 bed apartment

E

E The Lakes

Hattan 2

Silicon Gate 1 - Wing A 441 sq. ft.

14,000,000

Dubai Silicon Oasis AED 380,000

Dubai Health Care City AED

LE

SA

LE

SA

Building 27 – Block A

Churchill Tower

Business Bay AED 50,000

8,200,000

NT RE

LE

SA For above listed properties contact

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Properties of the month Jumeirah Park

Legacy 4 bed apartment

4,335 sq. ft.

AED 7,000,000

Business Bay

Executive Tower B

AED 1,950,000

1 bed apartment

L SA

L SA

4 bed apartment

4,000 sq. ft.

AED 5,500,000

VI1112

E

E Emirates Living

Meadows 1

Emirates Living

Meadows 9

AED 5,400,000

4 bed apartment

2 bed apartment

1,142 sq. ft.

AED 170,000

DIFC

Emirates Financial Tower sq. ft.

NT RE

NT RE For more properties visit www.valoran.ae 30

LE

SA

LE

SA Down Town

Standpoint A

VI1113

Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

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Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

Ѧ 3FBEZ TQBDJPVT BOE FMFHBOU CFESPPN BQBSUNFOU Ѧ -PX EPXO QBZNFOU Ѧ $PNQFUJUJWF JOUFSFTU SBUF Pҩ Ѧ (VBSBOUFFE SFOUBM JODPNF Ѧ ZFBST ҩJOBODJOH XJUI OP EPDVNFOUBUJPO

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Valoran Real Estate Brokers congratulates the United Arab Emirates on their 42nd National Day, and also Dubai for securing the winning bid for Expo 2020.

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Valoran Real Estate Brokers Issue No. 12 - Dec. 2013

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‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻛﻦ ﻣﺒﺪﻋﺎً‬ ‫ﻟﻴﺲ ﻛﺎﻓﻴﺎً أن ﺗﻘﻮم ﺑﺎﻟﺒﺤﻮث اﻟﺨﺎﺻﺔ ﺑﻚ وﻣﻌﺮﻓﺔ اﳌﻌﻠﻮﻣﺎت‪ ،‬اﻟﺘﻲ‬ ‫ﺗﺸﻌﺮ أﻧﻬﺎ ﻣﻦ اﳌﻤﻜﻦ أن ﺗﺆﺛﺮ ﻋﲆ اﻟﺒﺎﺋﻊ ﻟﺘﺨﻔﻴﺾ اﻟﺴﻌﺮ‪ .‬مبﺠﺮد أن‬ ‫ﺗﻜﻮن ﻗﺪ ﺟﻤﻌﺖ اﻟﺤﻘﺎﺋﻖ واﻷرﻗﺎم‪ ،‬ﻓﻤﻦ اﻷﻓﻀﻞ أن ﺗﺠﻠﺲ ﻋﲆ‬ ‫اﻟﻄﺎوﻟﺔ وﺗﺠﻌﻞ اﻟﺒﺎﺋﻊ ﻳﻔﻬﻢ أن ﻫﻨﺎك ﻣﻨﻄﻖ وراء ﻃﻠﺒﻚ ﻟﺨﻔﺾ‬ ‫اﻟﺴﻌﺮ‪.‬‬ ‫ﻻ ﺗﻌﺘﻤﺪ ﻓﻘﻂ ﻋﲆ ﺑﻴﺎﻧﺎت اﻟﺒﺎﺋﻊ‪ ،‬ﺧﺎﺻﺔ إذا ﻛﺎﻧﺖ ﻫﻨﺎك إﺻﻼﺣﺎت‬ ‫ﺗﺤﺘﺎج إﱃ اﻟﻘﻴﺎم ﺑﻬﺎ ﰲ اﻟﻌﻘﺎر‪ .‬ﻣﻌﻈﻢ اﻟﺒﺎﺋﻌني ﻟﺪﻳﻬﻢ إﻣﻜﺎﻧﻴﺔ اﻟﻮﺻﻮل‬ ‫إﱃ ﺑﻴﺎﻧﺎت اﻟﺴﻮق‪ ،‬وﻟﻜﻨﻬﻢ ﻳﺴﺘﺨﺪﻣﻮﻧﻬﺎ ﻟﺼﺎﻟﺤﻬﻢ وﻳﻘﺪﻣﻮن اﻟﺤﻘﺎﺋﻖ‬ ‫اﻟﺘﻲ ﺗﺴﺎﻋﺪﻫﻢ ﻓﻘﻂ ﰲ اﻟﺤﺼﻮل ﻋﲆ أﻋﲆ ﻗﻴﻤﺔ ﻟﻌﻘﺎراﺗﻬﻢ‪ .‬ﻗﻢ‬ ‫ﺑﺎﻟﺘﻘﻴﻴﻢ‪ ،‬وﻣﻨﺎﻗﺸﺔ اﻟﻨﺘﺎﺋﺞ اﻟﺨﺎﺻﺔ ﺑﻚ ﻣﻊ اﻟﺒﺎﺋﻊ ﻟﻠﺘﻔﺎوض ﻋﲆ ﺳﻌﺮ‬ ‫أﻓﻀﻞ ﻟﻠﻌﻘﺎر‪.‬‬

‫ﻧﺼﻴﺤﺔ‪ :‬ﺑﺪﻻً ﻣﻦ اﺳﺘﺨﺪام ﺑﻴﺎﻧﺎت اﻟﺒﺎﺋﻊ ﻟﻠﻮﺻﻮل إﱃ اﻷﺳﻌﺎر‪،‬‬ ‫إﺟﻤﻊ اﻟﺤﻘﺎﺋﻖ ﺑﻨﻔﺴﻚ وﻗﺪﻣﻬﺎ ﻟﻪ ﺣﺘﻰ ﺗﺼﺒﺢ ﻋﻤﻠﻴﺔ‬ ‫اﻟﺘﻔﺎوض أﺳﻬﻞ‪.‬‬

‫ﰲ ﻛﺜري ﻣﻦ اﻷﺣﻴﺎن ﻳﻜﻮن ﻟﺪى اﻟﺒﺎﺋﻌني رﻗامً ﻋﺎﻟﻘﺎً ﰲ رؤوﺳﻬﻢ و ﻏري‬ ‫ﻣﺴﺘﻌﺪﻳﻦ ﻟﻠﺘﺘﺰﺣﺰح ﻋﻨﻪ‪ .‬ﻋﻦ ﻃﺮﻳﻖ اﻹﺑﺪاع ﰲ وﺿﻊ ﻋﺮض ﻣﻤﻴﺰ‪،‬‬ ‫ميﻜﻨﻚ ﺗﺨﻄﻲ ﺣﺎﺟﺰ اﻟﺴﻌﺮ ﻫﺬا‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ميﻜﻨﻚ اﳌﻮاﻓﻘﺔ‬ ‫ﻋﲆ ﺗﻠﺒﻴﺔ ﺳﻌﺮ اﻟﺒﺎﺋﻊ‪ ،‬وﻟﻜﻦ ﻳﻄﻠﺐ ﻣﺎ اذا ﻛﺎن ميﻜﻨﻪ ﺑﺪوره اﳌﺴﺎﻫﻤﺔ‬ ‫ﰲ ﺗﻜﻠﻔﺔ إﺻﻼح رﺋﻴﴘ ﻣﻄﻠﻮب‪ .‬ﺑﺎﻟﻨﺴﺒﺔ ﳌﻌﻈﻢ اﻟﺒﺎﺋﻌني اﻟﺼﺎدﻗني‪،‬‬ ‫ﻳﻜﻮن اﻟﻮﻗﺖ ﺟﺰءا ً ﻣﻬامً ﻣﻦ إمتﺎم اﻟﺼﻔﻘﺔ‪ .‬إذا ﻛﻨﺖ ﺗﺴﺘﻄﻴﻊ إﻗﻨﺎع‬ ‫اﻟﺒﺎﺋﻊ أﻧﻚ ﺳﻮف ﺗﻨﻬﻲ اﻟﺼﻔﻘﺔ ﺑﴪﻋﺔ إذا ﻛﺎن ﺑﺈﻣﻜﺎﻧﻪ ﺧﻔﺾ اﻟﺴﻌﺮ‪،‬‬ ‫ﻫﺬه اﻟﻨﻘﻄﺔ ﻗﺪ ﺗﻜﻮن ﰲ ﺻﺎﻟﺤﻚ‪.‬‬ ‫مبﺠﺮد ﺗﻘﺪﻣﻚ ﺑﻌﺮض رﺳﻤﻲ‪ ،‬ﻣﻘﺒﻮل ﻣﻦ ﻗﺒﻞ ﻟﻠﺒﺎﺋﻊ‪ ،‬ﺗﻨﻄﻮي اﳌﺮﺣﻠﺔ‬ ‫اﻟﺘﺎﻟﻴﺔ ﻋﲆ ﺗﻮﺛﻴﻖ اﻟﻌﺮض ﰲ ﺷﻜﻞ اﺗﻔﺎق ﺣﺘﻰ ﺗﺘﻢ اﻟﺼﻔﻘﺔ اﻟﻨﻬﺎﺋﻴﺔ‪.‬‬ ‫ﰲ ﺗﻘﺮﻳﺮ اﻟﺸﻬﺮ اﳌﻘﺒﻞ‪ ،‬ﺳﻮف ﻧﻮﺿﺢ ﻟﻜﻢ ﻋﻤﻠﻴﺔ ﻓﻬﻢ اﻟﻌﻘﻮد واﻟﻌﻮﻣﻠﺔ‬ ‫ﰲ اﻷﺣﻜﺎم اﻟﺘﻲ ﺳﻮف ﺗﺤﻤﻲ ﻣﺼﺎﻟﺤﻚ ﻗﺒﻞ إمتﺎم اﻟﺒﻴﻊ‪.‬‬

‫ﰲ ﺣني ﻳﻌﺪ اﻟﺘﻔﺎوض ﺟﺎﻧﺒﺎً ﻫﺎﻣﺎً ﻣﻦ اﻟﻮﺻﻮل إﱃ اﻟﺴﻌﺮ اﳌﻨﺎﺳﺐ‪،‬‬ ‫ﻫﻨﺎك ﺑﻌﺾ اﻟﺠﻮاﻧﺐ اﻷﺧﺮى اﻟﺘﻲ ﻳﺠﺪ أﺧﺬﻫﺎ ﰲ اﻹﻋﺘﺒﺎر ﻗﺒﻞ اﺗﺨﺎذ‬ ‫ﻗﺮار ﺑﺸﺄن ﺳﻌﺮ اﻟﻌﺮض‪.‬‬

‫ﻣﻴﺰاﻧﻴﺔ اﻟﻄﻮارئ‬ ‫ﻗﺒﻞ اﻟﻮﺻﻮﻟﻪ إﱃ ﺳﻌﺮ اﻟﻌﺮض‪ ،‬ﺿﻊ ﰲ إﻋﺘﺒﺎرك ﺗﻜﺎﻟﻴﻒ اﳌﺸﺎرﻛﺔ ﰲ‬ ‫ﺗﺮﻣﻴﻢ اﻟﻌﻘﺎر ﺣﺘﻰ ﺗﺘﻤﻜﻦ ﻣﻦ ﻛﺴﺐ إﻳﺮادات اﻹﻳﺠﺎر اﳌﻄﻠﻮﺑﺔ‪ .‬ﰲ‬ ‫ﺣني أن اﻟﺒﺎﺋﻊ ﻗﺪ ﻗﺎم ﻣﺆﺧﺮا ً ﺑﺘﺠﺪﻳﺪ أﺟﺰاء ﻣﻦ اﻟﻌﻘﺎر ﻣﺜﻞ اﻷرﺿﻴﺎت‬ ‫واﻷﺟﻬﺰة اﳌﻨﺰﻟﻴﺔ‪ ،‬ميﻜﻦ أن ﺗﻜﻮن ﻫﻨﺎك إﺻﻼﺣﺎت إﺿﺎﻓﻴﺔ ﻣﻄﻠﻮﺑﺔ‬ ‫ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ اﳌﻘﺒﻠﺔ‪ .‬ﺣﺎول ﻋﻮﻣﻠﺔ ﻫﺬه اﻟﺘﻜﺎﻟﻴﻒ‪،‬‬ ‫وأﺿﻒ ﻋﲆ اﻷﻗﻞ ﺧﻤﺴني ﰲ اﳌﺎﺋﺔ إﻟﻴﻬﺎ ﻛﺘﻘﺪﻳﺮات ﻣﺘﺤﻔﻈﺔ ﻟﺘﻐﻄﻴﺔ‬ ‫أي ﻃﻮارئ‪ .‬ﺧﻔﺾ ﻫﺬا اﻟﺮﻗﻢ ﻣﻦ ﺳﻌﺮ اﻟﻌﺮض اﻟﺨﺎص ﻟﻠﻮﺻﻮل إﱃ‬ ‫ﻋﺮض واﻗﻌﻲ‪.‬‬

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‫ﻟﺘﻘﺪﻳﻢ اﻟﻌﺮض اﳌﻨﺎﺳﺐ‪ ،‬ﻣﻦ اﳌﻬﻢ أن ﺗﻜﻮن ﻋﲆ ﺑﻴﻨﺔ ﻣﻦ ﺣﺎﻟﺔ‬ ‫اﻟﺴﻮق واﺗﺠﺎﻫﺎت اﻻﻗﺘﺼﺎد اﳌﺤﲇ‪ .‬ﺗﻘﻴﻴﻢ اﻟﻌﺮض و اﻟﻄﻠﺐ ﻋﲆ‬ ‫اﻟﻌﻘﺎرات ﺳﻮف ﻳﻌﻄﻴﻚ ﻓﻜﺮة أﻓﻀﻞ ﻋﻨام إذا ﻛﺎن اﻟﺴﻮق ﻟﻠﻤﺸﱰي‬ ‫أو اﻟﺒﺎﺋﻊ‪ .‬ﰲ ﺳﻮق اﳌﺸﱰي‪ ،‬ﻳﺼﺒﺢ اﻟﺘﻔﺎوض أﺳﻬﻞ ﺣﻴﺚ أن اﻟﻌﺮض‬ ‫ﻳﻔﻮق اﻟﻄﻠﺐ ﺑﻜﺜري‪ .‬ﻣﻦ ﻧﺎﺣﻴﺔ أﺧﺮى‪ ،‬ﰲ ﺳﻮق اﻟﺒﺎﺋﻊ ﻓﺈن دﻓﻊ مثﻨﺎ‬ ‫أﻋﲆ ﻣﻦ ﺗﻜﺎﻟﻴﻒ اﻻﺳﺘﺒﺪال ﻟﻴﺲ ﻟﻪ ﻣﻌﻨﻰ‪ ،‬ﻻ ﺳﻴام إذا ﻛﺎن ﻫﺪﻓﻚ‬ ‫ﻫﻮ اﻹﺣﺘﻔﺎظ ﺑﺎﻟﻌﻘﺎر ﻟﻔﱰة ﻗﺼرية ﻓﻘﻂ‪.‬‬ ‫ﻫﻨﺎك ﺣﺎﻻت ﻳﻜﻮن ﻓﻴﻬﺎ اﻟﺒﺎﻋﺔ ﻗﺪ ﺣﺼﻠﻮا ﻋﲆ ﺗﻘﻘﻢ ﻟﻌﻘﺎراﺗﻬﻢ ﻋﲆ‬ ‫ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ وﻫﻢ ﻏري ﻣﺴﺘﻌﺪﻳﻦ ﻟﺨﻔﺾ أﺳﻌﺎرﻫﻢ‬ ‫ﺣﺘﻰ ﻣﻊ ﻋﻠﻤﻬﻢ ﺑﺄن اﻟﺴﻮق ﻣﻐﺮﻗﺔ ﺑﺎﻟﺨﻴﺎرات اﻟﺒﺪﻳﻠﺔ‪ .‬إذا ﻛﻨﺖ ﺗﻔﻬﻢ‬ ‫ﻇﺮوف اﻻﻗﺘﺼﺎد اﳌﺤﲇ‪ ،‬ﺳﻮف ﻳﺴﺎﻋﺪك ذﻟﻚ ﻋﲆ اﺗﺨﺎذ اﻟﻘﺮار‬ ‫اﻟﺼﺤﻴﺢ ﺣﻮل ﻣﺎ إذا ﻛﺎن ﻳﺠﺐ ﻋﻠﻴﻚ أو ﻻ ﻳﺠﺐ ﻋﻠﻴﻚ زﻳﺎدة ﺳﻌﺮ‬ ‫اﻟﻌﺮض اﻟﺨﺎص ﺑﻚ‪.‬‬

‫ﻧﺼﻴﺤﺔ‪ :‬ﻓﻬﻢ اﺗﺠﺎﻫﺎت اﻟﺴﻮق ﺳﻮف ﻳﺴﺎﻋﺪك ﰲ اﻟﺤﺼﻮل‬ ‫ﻋﲆ ﺻﻮرة أﻛرث واﻗﻌﻴﺔ ﻋﻦ أن اﻟﺴﻌﺮ اﻟﺬي ﻳﻄﻠﺒﻪ اﻟﺒﺎﺋﻊ‬ ‫ﻣﻌﻘﻮل أم ﻻ‪.‬‬

‫‪www.valoran.ae‬‬

‫ﻛﻞ ﺑﺎﺋﻊ ﻟﺪﻳﻪ ﺳﺒﺐ وراء اﻟﺮﻏﺒﺔ ﰲ ﺑﻴﻊ ﻋﻘﺎره‪ .‬ﻗﺪ ﻳﺮﻏﺐ اﻟﺒﻌﺾ ﰲ‬ ‫ذﻟﻚ ﺗﻠﺒﻴﺔ ﻻﺣﺘﻴﺎﺟﺎﺗﻬﻢ اﳌﺎﻟﻴﺔ أو إﻋﺎدة اﻻﺳﺘﺜامر ﰲ ﻣﻮﻗﻊ آﺧﺮ‪ .‬ﻗﺪ ﻻ‬ ‫ﻳﻜﻮن اﻟﺒﻌﺾ اﻵﺧﺮ ﺟﺎدا ﰲ ﺑﻴﻊ اﻟﻌﻘﺎر‪ ،‬وميﻜﻦ ﻓﻘﻂ اﺧﺘﺒﺎر اﳌﻴﺎه‬ ‫ﳌﻌﺮﻓﺔ ﻣﺎ إذا ﻛﺎن ميﻜﻨﻬﻢ اﻟﺤﺼﻮل ﻋﲆ ﺳﻌﺮ أﻋﲆ ﻣﻦ اﻟﻘﻴﻤﺔ اﻟﺴﻮﻗﻴﺔ‬ ‫ﻟﻠﻌﻘﺎر‪.‬‬ ‫ﻣﻦ ﺧﻼل ﻓﻬﻢ دواﻓﻊ اﻟﺒﺎﺋﻊ ﺳﻮف ﺗﻜﻮن ﻗﺎدرا ً ﻋﲆ اﻟﺘﻮﺻﻞ إﱃ اﻟﺴﻌﺮ‬ ‫اﻟﺬي ﻳﺮﴈ اﺣﺘﻴﺎﺟﺎﺗﻪ‪ .‬إذا ﻛﻨﺖ ﺗﺒﺤﺚ ﻋﻦ ﻋﻘﺎر وﺑﺎﺋﻌﻪ ﻟﻴﺲ ﻣﻬﺘامً‬ ‫ﺣﻘﺎ ﺑﺒﻴﻌﻪ‪ ،‬ﻓﺈﻧﻪ ﻟﻴﺲ ﻫﻨﺎك ﺟﺪوى ﻣﻦ إﺿﺎﻋﺔ وﻗﺘﻚ‪.‬‬

‫ﻧﺼﻴﺤﺔ‪ :‬ﻓﻮراً ﺣﺎول ﻣﻌﺮﻓﺔ ﻣﺎ إذا ﻛﺎن اﻟﺒﺎﺋﻊ ﺻﺎدﻗﺎً ﺣﻴﺚ أﻧﻪ‬ ‫ﺳﻴﻮﻓﺮ ﻟﻚ اﻟﻮﻗﺖ اﻟﺬي ﺳﻮف ﺗﻘﻀﻴﻪ ﰲ ﺗﻔﺎوض ﻏري ﴐوري‪.‬‬ ‫اﺧﺘﺒﺎر ﺟﻴﺪ ﻟﻬﺬا ﻫﻮ ﺗﻘﻴﻴﻢ ﻣﺪى ﺗﻌﺎون اﻟﺒﺎﺋﻊ‪ .‬إذا ﻛﺎن‬ ‫ﻳﺘﺼﻞ ﰲ اﻟﻮﻗﺖ اﳌﺤﺪد وﻳﺠﻴﺐ ﻋﲆ أﺳﺌﻠﺘﻚ‪ ،‬ﻓﺈﻧﻪ ﺻﺎدق‪.‬‬ ‫إذا ﻛﺎﻧﺖ ﻫﻨﺎك ﺗﺄﺧريات ﻃﻮﻳﻠﺔ أو ﻏﻴﺎب ﻛﺎﻣﻞ ﻟﻼﺗﺼﺎﻻت‪،‬‬ ‫ﻓﻘﺪ ﻻ ﻳﻜﻮن ﻣﻬﺘامً !‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺑﻌﺪ أن ﺗﻜﻮن ﻗﺪ ﻗﻤﺖ ﺑﺘﺤﺪﻳﺪ اﻟﻌﻘﺎر اﳌﺜﺎﱄ ﺑﺎﻟﻨﺴﺒﺔ ﻟﻚ ﻣﻦ ﺣﻴﺚ‬ ‫اﳌﻮﻗﻊ‪ ،‬اﻟﺴﻌﺮ واﻟﻌﺎﺋﺪ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻣﺎ مل ﺗﺘﻤﻜﻦ ﻣﻦ اﻟﺘﻮﺻﻞ اﱃ اﺗﻔﺎق‬ ‫ﻋﻦ ﻃﺮﻳﻖ اﻟﺘﺄﻛﺪ ﻣﻦ اﺳﺘﻴﻔﺎء اﺣﺘﻴﺎﺟﺎت اﻟﺒﺎﺋﻊ أﻳﻀﺎ ﻗﺪ ﻳﻨﺘﻬﻲ ﺑﻚ‬ ‫اﳌﻄﺎف إﱃ اﻟﺨﺴﺎرة‪ .‬ﻫﻨﺎك ﻋﺪد ﻗﻠﻴﻞ ﻣﻦ اﻷﺷﻴﺎء اﻟﺘﻲ ﻳﺠﺐ أﺧﺬﻫﺎ‬ ‫ﰲ اﻻﻋﺘﺒﺎر أﺛﻨﺎء اﻟﺘﻔﺎوض‪ ،‬ﺑﺤﻴﺚ ﻻ ﻧﻐﻔﻞ ﻋﻦ اﻟﺼﻮرة اﻷﻛﱪ‪.‬‬

‫ﻣﻦ أﺟﻞ إمتﺎم اﻟﺼﻔﻘﺔ ﺑﺴﻌﺮ ﺗﻌﺘﻘﺪ أﻧﻪ ﺳﻌﺮ ﻣﻌﻘﻮل ﻋﻠﻴﻚ اﻟﻘﻴﺎم‬ ‫ﺑﺒﺤﺚ ﺷﺎﻣﻞ ﻟﻠﻌﻘﺎر‪ ،‬اﻟﺤﻲ‪ ،‬اﻟﻌﻘﺎرات اﳌﻨﺎﻓﺴﺔ ﰲ اﳌﻨﻄﻘﺔ‪ ،‬اﻟﻘﻮاﻧني‬ ‫اﳌﺤﻠﻴﺔ وأي ﻋﻮاﻣﻞ أﺧﺮى ميﻜﻦ أن ﺗﺆﺛﺮ ﻋﲆ أﺳﻌﺎر اﳌﻨﺎزل‪ .‬ﰲ ﻣﻌﻈﻢ‬ ‫اﻟﺤﺎﻻت‪ ،‬ﻳﺘﻮﻗﻊ اﻟﺒﺎﺋﻌﻮن اﻟﺤﺼﻮل ﻋﲆ ﺳﻌﺮ أﻋﲆ ﻣﻦ اﻟﻘﻴﻤﺔ اﻟﺘﻲ‬ ‫ﻳﻌﺮﻓﻮﻧﻬﺎ ﻟﻠﻌﻘﺎر‪ .‬إذا ذﻫﺒﺖ إﻟﻴﻪ ﻣﺴﻠﺤﺎً ﺑﺎﻟﺤﻘﺎﺋﻖ واﻷرﻗﺎم اﻟﺘﻲ‬ ‫ﺗﺴﺎﻋﺪ ﰲ اﻟﺘﻔﻜري ﻣﻌﻪ‪ ،‬ﻗﺪ ﺗﻜﻮن ﻗﺎدرا ً ﻋﲆ إﻗﻨﺎﻋﻪ ﺑﺎﳌﻮاﻓﻘﺔ ﻋﲆ‬ ‫اﻟﺴﻌﺮ اﻟﺬي ﺗﺮاه ﻋﺎدﻻً‪.‬‬

‫إﻻ إذا ﻛﻨﺖ ﰲ اﻟﺴﻮق ﻟﴩاء ﻋﻘﺎر واﺣﺪ ﻓﻘﻂ ﻟﻺﺳﺘﺜامر وﻟﺴﺖ ﻗﻠﻘﺎً‬ ‫ﺣﻴﺎل ﺳﻤﻌﺘﻚ ﰲ اﳌﺠﺘﻤﻊ اﻟﻌﻘﺎري ﻟﻠﻤﻌﺎﻣﻼت اﳌﺴﺘﻘﺒﻠﻴﺔ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ‬ ‫اﻷﻓﻀﻞ أن ﻳﻜﻮن اﻟﻨﻬﺞ اﻟﺼﺤﻴﺢ ﻟﻠﺘﻔﺎوض ﻋﲆ اﻟﺼﻔﻘﺔ‪ .‬ﰲ ﻛﺜري ﻣﻦ‬ ‫اﻷﺣﻴﺎن‪ ،‬ﻳﺸﺎرك اﳌﺸﱰي ﰲ ﻣﻔﺎوﺿﺎت ﺷﺎﻗﺔ‪ ،‬واﻟﺘﻲ ﻗﺪ ﺗﻀﻐﻂ ﻋﲆ‬ ‫اﻟﺒﺎﺋﻊ وﺗﺠﻌﻠﻪ ﻳﺮﺿﺦ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬اﻟﻜﻠﻤﺔ ﺗﻨﺘﻘﻞ ﺑﴪﻋﺔ ﰲ ﻣﺠﺘﻤﻊ‬ ‫اﻟﻌﻘﺎرات ﻋﻦ ﻛﺜﺐ‪ ،‬وﻗﺪ ﺗﺠﺪ ﻧﻔﺴﻚ ﻣﻬﻤﺸﺎً ﰲ ﻋﻤﻠﻴﺎت اﻟﴩاء‬ ‫اﳌﺴﺘﻘﺒﻠﻴﺔ‪.‬‬

‫ﻧﺼﻴﺤﺔ‪ :‬ﺗﺬﻛﺮ أن ﻣﻌﻈﻢ اﻟﺒﺎﻋﺔ ﻳﺄﻣﻠﻮن ﰲ اﻟﺤﺼﻮل ﻋﲆ أﻋﲆ‬ ‫أﺳﻌﺎر ﳌﻨﺎزﻟﻬﻢ‪ ،‬ﺣﺘﻰ ﻟﻮ ﻛﺎن ﻟﻴﺲ ﻟﻪ ﻣﺎ ﻳﱪره‪ .‬ﻗﻢ ﺑﻌﺮض‬ ‫ﻗﻀﻴﺘﻚ ﺑﺸﻜﻞ ﺟﻴﺪ و ميﻜﻨﻚ أن ﺗﺠﻌﻠﻪ ﻳﺮى اﻷﻣﻮر ﻣﻦ‬ ‫وﺟﻬﺔ ﻧﻈﺮك‪.‬‬

‫ﻓﻜﺮ ﺑﻮاﻗﻌﻴﺔ ﺑﺪﻻ ﻣﻦ اﻟﻌﺪواﻧﻴﺔ ﻋﻨﺪﻣﺎ ﻳﺘﻌﻠﻖ اﻷﻣﺮ ﺑﻮﺿﻊ اﻟﻠﻤﺴﺎت‬ ‫اﻷﺧرية ﻋﲆ اﻷﺳﻌﺎر‪ .‬ﻧﻀﻊ ﰲ اﻋﺘﺒﺎرﻧﺎ أﻧﻪ ﺣﺘﻰ أﺿﻌﻒ اﻟﺒﺎﺋﻌني ﻗﺪ‬ ‫ﻳﻜﻮن ﻟﺪﻳﻪ ﺧﻴﺎرات أﺧﺮى ﻣﺘﺎﺣﺔ‪ ،‬ﻟﺬﻟﻚ إﻻ إذا ﻛﻨﺖ ﺗﺮﻏﺐ ﰲ‬ ‫اﳌﺨﺎﻃﺮة ﺑﻔﺮﺻﺘﻚ ﰲ إمتﺎم اﻟﺼﻔﻘﺔ وﴍاء اﻟﻌﻘﺎر ﺑﻨﻬﺞ ﻳﺆﺧﺬ ﻛﻠﻪ أو‬ ‫ﻳﱰك ﻛﻠﻪ‪ ،‬ﻓﻤﻦ اﻷﻓﻀﻞ أن ﻧﻨﻈﺮ إﱃ اﻟﺼﻔﻘﺔ ﻣﻦ وﺟﻬﺔ ﻧﻈﺮ اﻟﺒﺎﺋﻊ‬ ‫وﺣﺎول أن ﺗﻘﺎﺑﻠﻪ ﰲ ﻣﻨﺘﺼﻒ اﻟﻄﺮﻳﻖ‪ .‬وﻻ ﻳﻨﺼﺢ ﺑﺈﺧﺘﺒﺎر اﳌﺎء ﻫﻨﺎ ﻣﻦ‬ ‫ﺧﻼل ﺧﻔﺾ اﻟﺴﻌﺮ ﳌﻌﺮﻓﺔ ﻣﺎ إذا ﻛﻨﺖ ﻣﺤﻈﻮﻇﺎً وﺗﺸﱰي اﻟﻌﻘﺎر‬ ‫ﺑﺴﻌﺮ ﺑﺨﺲ‪.‬‬

‫ﻧﺼﻴﺤﺔ‪ :‬ﰲ اﻻﺳﺘﺜامرات اﻟﻌﻘﺎرﻳﺔ‪ ،‬ﻳﻨﺼﺢ ﺑﻌﺪم ﺧﻠﻖ إرﺗﺒﺎط‬ ‫ﻋﺎﻃﻔﻲ ﺑﺎﳌﻨﺰل‪ .‬ﺗﺬﻛﺮ أﻧﻚ ﻟﻦ ﺗﻌﻴﺶ ﻓﻴﻪ‪ ،‬وأﻧﻚ ﺳﻮف ﺗﻘﻮم‬ ‫مبﺠﺮد ﺗﺄﺟريه ﻟﻜﺴﺐ ﻣﺎ ﻳﻜﻔﻲ ﻟﺪﻓﻊ أﻗﺴﺎط اﻟﺮﻫﻦ اﻟﻌﻘﺎري‬ ‫و ﺑﻨﺎء ﺛﺮوﺗﻚ ﻋﲆ اﳌﺪى اﻟﻄﻮﻳﻞ‪.‬‬

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‫مبﺠﺮد اﻹﻧﺘﻬﺎء ﻣﻦ ﻋﻤﻠﻴﺔ ﺗﻘﻴﻴﻢ اﻟﻌﻘﺎر )اﻟﺘﻲ ﻧﺎﻗﺸﻨﺎﻫﺎ ﰲ ﺗﻘﺮﻳﺮ اﻟﺸﻬﺮ اﻟﺴﺎﺑﻖ(‪ ،‬ﺑﻌﺪ أن ﺗﻜﻮن ﻗﺪ ﻗﺮرت ﻣﺎ‬ ‫إذا ﻛﺎن اﻻﺳﺘﺜامر ﻳﻨﺎﺳﺐ إﺣﺘﻴﺎﺟﺎﺗﻚ أم ﻻ‪ ،‬ﻧﺄيت اﱃ اﻟﺘﻔﺎوض ﻣﻊ اﻟﺒﺎﺋﻊ واﻟﺘﻮﺻﻞ إﱃ اﺗﻔﺎق اﳌﻨﺎﺳﺐ ﻟﻜﻼ‬ ‫اﻟﻄﺮﻓني‪ .‬ﰲ ﻫﺬا اﻟﺪرس‪ ،‬ﺳﻮف ﻧﻘﻮم ﺑﴩح ﻋﻤﻠﻴﺔ اﻟﺘﻔﺎوض واﻗﻌﻴﺎً وﺗﻘﺪﻳﻢ اﻟﻨﺼﺎﺋﺢ ﺣﻮل ﻣﺎ ﻳﺠﺐ اﻟﻨﻈﺮ‬ ‫إﻟﻴﻪ ﻗﺒﻞ ﺗﻘﺪﻳﻢ ﻋﺮض ﻟﴩاء اﻟﻌﻘﺎر‪.‬‬

‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫أداء اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﰲ اﻟﺼني ﻳﻌﺘﻤﺪ ﻋﲆ اﻻﻗﺘﺼﺎد إﱃ ﺣﺪ ﻛﺒري‪ .‬ﻋﲆ‬ ‫اﻟﺮﻏﻢ ﻣﻦ أن اﻟﺤﻜﻮﻣﺔ ﻗﺪ ﺗﺴﺘﺨﺪم منﻮ ﺳﻮق اﻟﻌﻘﺎرات ﻟﺘﺼﻞ إﱃ‬ ‫ﻣﻌﺪل منﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ اﳌﺴﺘﻬﺪف‪ ،‬ﻓﺈن اﻟﻘﻄﺎﻋﺎت اﻷﺧﺮى‬ ‫ﻣﻦ اﻻﻗﺘﺼﺎد‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻟﺼﻨﺎﻋﺎت اﻟﺘﺤﻮﻳﻠﻴﺔ واﻟﺼﺎدرات ﻻ ﺗﺰال‬ ‫ﺿﻌﻴﻔﺔ‪ .‬ﻳﻮاﺻﻞ اﻟﻄﻠﺐ ﻋﲆ اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ اﻹرﺗﻔﺎع ﻧﻈﺮا ً ﻷﻧﻪ‬ ‫ﻣﺪﻓﻮع ﺑﺎﻹﺳﺘﻬﻼك‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﰲ ﻗﻄﺎع اﻟﺘﺄﺟري‪ ،‬ﻣﻊ وﺿﻊ اﻟﴩﻛﺎت‬ ‫اﻟﻌﺎﳌﻴﺔ ﻟﺨﻄﻂ ﺗﻮﺳﻌﺘﻬﺎ اﳌﺴﺘﻘﺒﻠﻴﺔ‪ ،‬إﻧﺨﻔﺾ اﻟﻄﻠﺐ ﻋﲆ ﻋﻘﻮد إﻳﺠﺎر‬ ‫اﻟﺸﻘﻖ اﻟﻔﺎﺧﺮة‪.‬‬ ‫ﰲ ﻗﻄﺎع اﳌﻜﺎﺗﺐ‪ ،‬ﺗﺴﺒﺐ ﻧﻘﺺ اﳌﻌﺮوض ﰲ إﻧﺨﻔﺎض ﻣﻌﺪﻻت‬ ‫اﻟﺸﻐﻮر‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬مل ﺗﺰد اﻹﻳﺠﺎرات ﻧﻈﺮا ً ﻟﻘﻠﻖ اﳌﻼك إزاء ﻃﻮﻓﺎن ﻣﻦ‬ ‫اﳌﺨﺰون اﳌﻜﺘﺒﻲ مبﺠﺮد اﻻﻧﺘﻬﺎء ﻣﻦ ﻋﺪة ﻣﺸﺎرﻳﻊ ﺟﺪﻳﺪة ﰲ اﳌﺪن‬ ‫اﻟﻜﱪى ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ اﳌﻘﺒﻠﺔ‪.‬‬

‫‪.‬‬ ‫‪.‬‬ ‫‪212‬‬

‫‪.‬‬

‫‪:‬‬ ‫–‬ ‫‪Globalpropertyguide.com Forbes.com Businessweek.com‬‬

‫‪2013‬‬

‫‪21‬‬

‫‪-‬‬

‫ﺷﻨﻐﻬﺎي‬ ‫ﻣﻊ ﺗﺄﺧﺮ ﺗﺴﻠﻴﻢ اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﺸﺎرﻳﻊ‪ ،‬أﺿﻴﻔﺖ ﻓﻘﻂ ﺛﻼﺛﺔ ﻣﺸﺎرﻳﻊ‬ ‫ﻣﻜﺘﺒﻴﺔ ﺟﺪﻳﺪة ﻟﻠﻤﺨﺰون‪ .‬واﻟﺘﻲ ﺷﻜﻠﺖ ﻣﻌﺎً ﺣﻮاﱄ ‪ 176,000‬ﻣﱰ‬ ‫ﻣﺮﺑﻊ إﺿﺎﻓﻴﺔ‪ .‬ﺻﺎﰲ اﻹﺳﺘﻬﻼك ﺗﺠﺎوز اﻹﻣﺪادات اﳌﺤﺪودة ﻣام أدى‬ ‫إﱃ ﺗﺮاﺟﻊ ﻣﻌﺪﻻت اﻟﺸﻐﻮر إﱃ ‪ 5.4‬ﰲ اﳌﺎﺋﺔ ﺑﺤﻠﻮل ﻧﻬﺎﻳﺔ اﻟﺮﺑﻊ اﻟﺜﺎين‬ ‫ﻣﻦ ﻋﺎم ‪ .2013‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﻧﻘﺺ اﳌﻌﺮوض و اﻧﺨﻔﺎض ﻣﻌﺪﻻت‬ ‫اﻟﺸﻐﻮر‪ ،‬إﺳﺘﻤﺮ منﻮ ﺗﺄﺟري اﳌﻜﺎﺗﺐ ﰲ اﳌﺪﻳﻨﺔ ﰲ اﻻﻧﺨﻔﺎض‪ .‬ﺣﻴﺚ‬ ‫إرﺗﻔﻌﺖ إﻳﺠﺎرات ﻣﻜﺎﺗﺐ اﻟﻔﺌﺔ أ ﻫﺎﻣﺸﻴﺎً ﺑﻨﺴﺒﺔ ‪ 0.7‬ﰲ اﳌﺎﺋﺔ ﻋﲆ‬ ‫أﺳﺎس ﻣﻘﺎرﻧﺔ اﻟﺮﺑﻊ اﻟﺜﺎين واﻟﺮﺑﻊ اﻷول ﻣﻦ ﻋﺎم ‪ .2013‬ﻋﻤﻮﻣﺎ‪ ،‬ﺑﺴﺒﺐ‬ ‫إﻧﺨﻔﺎض ﺗﻮﻗﻌﺎت اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ واﺣﺘامل زﻳﺎدة اﳌﻌﺮوض ﰲ‬ ‫اﳌﺴﺘﻘﺒﻞ ﻣﻦ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ ﻣﻦ اﻟﻔﺌﺔ أ‪ ،‬ﻓﺈن زﻳﺎدات اﻹﻳﺠﺎر‬ ‫ﺳﻮف ﺗﻜﻮن ﺑﻄﻴﺌﺔ‪.‬‬

‫‪Grade A office supply take-up and vacancy rate, 1992 - Q2/2013‬‬ ‫‪With successful pre-leasing in newly launched projects, vacancy rates continued to fall.‬‬

‫‪16%‬‬

‫‪800‬‬

‫‪14%‬‬

‫‪700‬‬

‫‪12%‬‬

‫‪600‬‬

‫‪10%‬‬

‫‪500‬‬

‫‪8%‬‬

‫‪400‬‬

‫‪6%‬‬

‫‪300‬‬

‫‪4%‬‬

‫‪200‬‬

‫‪2%‬‬

‫‪100‬‬

‫‪0%‬‬

‫‪0‬‬ ‫‪Q2/13‬‬

‫‪12‬‬

‫‪11‬‬

‫‪10‬‬

‫‪09‬‬

‫‪08‬‬

‫‪07‬‬

‫‪06‬‬

‫‪05‬‬

‫‪04‬‬

‫‪03‬‬

‫‪02‬‬

‫‪01‬‬

‫‪Source: Savills Research & Consultancy‬‬

‫‪www.valoran.ae‬‬

‫‪00‬‬

‫)‪Vacancy rate (RHS‬‬

‫)‪Take-up (LHS‬‬

‫)‪New supply (LHS‬‬

‫‪‘000 sq m‬‬

‫‪18%‬‬

‫‪900‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺑﻜني‬ ‫ﻇﻞ اﻟﻄﻠﺐ اﻟﻜﲇ ﺿﻌﻴﻔﺎً ﰲ ﻗﻄﺎع اﳌﻜﺎﺗﺐ ﻣﻊ ﺣﺬر ﴍﻛﺎت ﻋﺎﳌﻴﺔ‬ ‫ﻣﻦ ﺧﻄﻂ اﻟﺘﻮﺳﻊ واﻟﺘﻮﻇﻴﻒ‪ .‬واﺻﻠﺖ إﻳﺠﺎرات اﻟﻔﺌﺔ أ ﻣﻦ اﳌﻜﺎﺗﺐ‬ ‫ﰲ اﻻﻧﺨﻔﺎض ﻣﻊ إﻋﺎدة ﻣﺴﺎﺣﺎت ﻣﻜﺘﺒﻴﺔ ﻛﺒرية ﺣﻴﺚ ﺑﺪأت اﻟﴩﻛﺎت‬ ‫ﰲ اﻟﺤﺪ ﻣﻦ ﻣﺘﻄﻠﺒﺎت اﳌﺴﺎﺣﺔ اﳌﻜﺘﺒﻴﺔ أو اﻻﻧﺘﻘﺎل ﻟﺨﻔﺾ اﳌﺴﺎﺣﺎت‬ ‫اﳌﻜﺘﺒﻴﺔ ﺑﺴﺒﺐ ﺗﺮاﺟﻊ اﻟﻘﺪرة ﻋﲆ ﺗﺤﻤﻞ اﻟﺘﻜﺎﻟﻴﻒ‪ .‬ﻛام زادت‬ ‫ﻣﻌﺪﻻت اﻟﺸﻮاﻏﺮ ﰲ ﻣﻜﺎﺗﺐ اﻟﻔﺌﺔ أ إﱃ ‪ 3.5‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‬ ‫ﻣﻦ ﻋﺎم ‪.2013‬‬

‫‪Supply net take-up and vacancy rate, 2001 - Q3/2013‬‬ ‫‪Net take-up year-to-date fell to a decade low.‬‬

‫‪30%‬‬

‫‪1,200‬‬

‫‪25%‬‬

‫‪1,000‬‬

‫‪20%‬‬

‫‪800‬‬

‫‪15%‬‬

‫‪600‬‬

‫‪10%‬‬

‫‪400‬‬

‫‪5%‬‬

‫‪200‬‬

‫‪0%‬‬

‫‪0‬‬ ‫‪Q1-Q3/13‬‬

‫‪12‬‬

‫‪11‬‬

‫‪10‬‬

‫‪09‬‬

‫‪08‬‬

‫‪07‬‬

‫‪06‬‬

‫‪05‬‬

‫‪04‬‬

‫‪03‬‬

‫‪02‬‬

‫‪01‬‬

‫)‪Vacancy rate (RHS‬‬

‫)‪Take-up (LHS‬‬

‫‪‘000 sq m‬‬

‫‪35%‬‬

‫‪1,400‬‬

‫)‪New supply (LHS‬‬

‫‪Source: Savills Research & Consultancy‬‬

‫‪19‬‬

‫‪-‬‬

‫اﻷوﱃ واﳌﻄﻮرون ﻏﺎﻟﺒﻴﺔ اﳌﻌﺎﻣﻼت ﰲ ﻫﺬا اﻟﺠﺰء اﻷﺳﺎﳼ‪ .‬ﰲ ﻗﻄﺎع‬ ‫اﻟﻌﻘﺎرات اﻟﻔﺎﺧﺮة‪ ،‬إﺳﺘﻤﺮ اﻧﺨﻔﺎض اﳌﺒﻴﻌﺎت ﺑﺴﺒﺐ اﻟﻘﻴﻮد اﻟﺤﻜﻮﻣﻴﺔ‬ ‫ﻋﲆ ﴍاء اﳌﻨﺎزل‪ ،‬وﺳﺠﻠﺖ اﻧﺨﻔﺎﺿﺎ ﺑﻨﺴﺒﺔ ‪ 19‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ‬ ‫اﻟﺜﺎﻟﺚ ﻣﻦ اﻟﻌﺎم ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻟﺴﺎﺑﻖ‪ .‬وﰲ ﺳﻮق اﻹﻳﺠﺎرات إﺳﺘﻤﺮ‬ ‫ﺗﺒﺎﻃﺆ اﻟﻄﻠﺐ ﻣﻦ اﻟﻌامﻟﺔ اﻟﻮاﻓﺪة‪ .‬ﻣﻊ إﺿﺎﻓﺔ إﱃ اﳌﺨﺰون ﺑﺴﺒﺐ‬ ‫اﻻﻧﺘﻬﺎء ﻣﻦ اﻟﺸﻘﻖ اﻟﺨﺪﻣﻴﺔ اﻟﺠﺪﻳﺪة‪ ،‬وزﻳﺎدة ﻣﻌﺪل اﻟﺸﻮاﻏﺮ ﺑﻨﺴﺒﺔ‬ ‫‪ 1.3‬ﻧﻘﻄﺔ ﻣﺌﻮﻳﺔ ﻟﻴﺼﻞ إﱃ ‪ 14.7‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ اﻟﻌﺎم‪.‬‬

‫‪Financial Indices - Beijing‬‬ ‫ ‬ ‫ ‬ ‫ ‬ ‫‪Index‬‬

‫ ‬ ‫ ‬ ‫ ‬

‫ﺑﻜني‬

‫‪t $BQJUBM 7BMVF *OEFY‬‬

‫‪t 3FOUBM 7BMVF *OEFY‬‬

‫‪"SSPX JOEJDBUF NPOUI PVUMPPL‬‬ ‫ ‪*OEFY CBTF 2‬‬ ‫‪4PVSDF +POFT -BOH -B4BMMF‬‬

‫‪Financial Indices - Shanghai‬‬ ‫ ‬

‫ ‬ ‫‪Index‬‬

‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﺗﺪاﺑري ﻣﺮاﻗﺒﺔ اﻷﺳﻌﺎر اﻟﺤﺎﻟﻴﺔ واﻟﺨﻄﻮات اﻹﺿﺎﻓﻴﺔ‬ ‫اﻟﺘﻲ اﺗﺨﺬﺗﻬﺎ ﺣﻜﻮﻣﺔ ﺑﻜني‪ ،‬ﻇﻞ اﻟﻄﻠﺐ ﻋﲆ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل ﻣﺮﺗﻔﻌﺎً‬ ‫ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ .2013‬اﻧﺨﻔﺾ ﺣﺠﻢ اﳌﻌﺎﻣﻼت ﻟﻠﺸﻘﻖ‬ ‫اﻟﺴﻜﻨﻴﺔ اﻟﺮاﻗﻴﺔ ﺑﻨﺴﺒﺔ ‪ 38‬ﰲ اﳌﺎﺋﺔ ﺑني اﻟﺮﺑﻌني ﺑﺴﺒﺐ ﻣﺤﺪودﻳﺔ‬ ‫اﳌﺨﺰون وﻏﻴﺎب اﻹﻣﺪادات اﻟﺠﺪﻳﺪة‪ ،‬ﰲ ﺣني اﻧﺨﻔﻀﺖ أﺳﻌﺎر اﻟﺸﻘﻖ‬ ‫اﻟﺮاﻗﻴﺔ ﺑﻨﺴﺒﺔ ‪ 0.5‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﻔﱰة ﻧﻔﺴﻬﺎ‪ .‬ﰲ ﺳﻮق إﻳﺠﺎرات‬ ‫اﻟﺸﻘﻖ اﻟﻔﻨﺪﻗﻴﺔ اﻟﻔﺎﺧﺮة‪ ،‬اﻟﺘﻲ ﺗﻌﺘﱪ ﺣﺴﺎﺳﺔ ﻟﺘﻘﻠﺒﺎت اﻟﺴﻮق‪ ،‬ﺑﻠﻐﺖ‬ ‫ﻣﻌﺪﻻت اﻟﺸﻐﻮر ‪ 9.5‬ﰲ اﳌﺎﺋﺔ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 0.1‬ﻧﻘﻄﺔ ﻣﺌﻮﻳﺔ ﻋﲆ‬ ‫اﺳﺎس ﻣﻘﺎرﻧﺔ اﻟﺮﺑﻌني(‪ .‬اﻟﻄﻠﺐ ﻋﲆ ﻫﺬه اﻟﺸﻘﻖ‪ ،‬واﻟﺘﻲ ﻋﺎدة ﻣﺎ‬ ‫ﺗﻜﻮن ﻣﺴﺘﺄﺟﺮة إﱃ اﳌﺪﻳﺮﻳﻦ اﻟﺘﻨﻔﻴﺬﻳني ﻣﻦ اﻟﴩﻛﺎت اﳌﺘﻌﺪدة‬ ‫اﻟﺠﻨﺴﻴﺎت‪ ،‬إﻧﺨﻔﺾ ﺑﺴﺒﺐ ﺿﻌﻒ اﻷداء اﻻﻗﺘﺼﺎدي واﺳﺘﻤﺮار‬ ‫اﳌﺨﺎوف ﺑﺸﺄن إﻧﺨﻔﺎض ﺟﻮدة اﻟﻬﻮاء ﰲ اﳌﺪﻳﻨﺔ‪.‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫ ‬

‫ﺷﻨﻐﻬﺎي‬ ‫ ‪ 2‬‬

‫ﰲ ﺷﻨﻐﻬﺎي‪ ،‬ارﺗﻔﻌﺖ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل اﻷوﻟﻴﺔ ﻫﺎﻣﺸﻴﺎً ﺑﻨﺴﺒﺔ ‪ 5.4‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻋﲆ أﺳﺎس ﻣﻘﺎرﻧﺔ اﻟﺮﺑﻌني ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪.2013‬‬ ‫ﺳﺠﻠﺖ أﺣﺠﺎم اﻟﺘﻌﺎﻣﻼت ﻧﺴﺒﺔ منﻮ ﺑﻠﻐﺖ ‪ 77‬ﰲ اﳌﺎﺋﺔ ﻟﺘﺼﻞ إﱃ ‪1.4‬‬ ‫ﻣﻠﻴﻮن ﻣﱰ ﻣﺮﺑﻊ ﰲ اﻟﻌﺎم ﻋﲆ اﺳﺎس ﺳﻨﻮى‪ .‬ﺷﻜﻞ اﳌﺸﱰون ﻟﻠﻤﺮة‬ ‫‪www.valoran.ae‬‬

‫ ‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫‪t $BQJUBM 7BMVF *OEFY‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫ ‪ 2‬‬

‫‪t 3FOUBM 7BMVF *OEFY‬‬

‫‪"SSPX JOEJDBUF NPOUI PVUMPPL‬‬ ‫ ‪*OEFY CBTF 2‬‬ ‫‪4PVSDF +POFT -BOH -B4BMMF‬‬

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‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻟﻌﻘﺎرات ﰲ ﺑﻜني ﻟﻸﺷﺨﺎص اﻟﺬﻳﻦ مل ﻳﻌﻴﺸﻮا ﰲ اﳌﺪﻳﻨﺔ ﻷﻛرث ﻣﻦ‬ ‫ﺧﻤﺲ ﺳﻨﻮات‪.‬‬ ‫ﻧﺘﻴﺠﺔ ﻟﻬﺬه اﻟﺘﺪاﺑري‪ ،‬ﺑﺪأت أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ اﻹﻧﺨﻔﺎض ﰲ اﻟﺮﺑﻊ‬ ‫اﻟﺮاﺑﻊ ﻣﻦ ﻋﺎم ‪ ،2011‬وﻟﻜﻦ ﰲ ﻣﺤﺎوﻟﺔ ﻹﻋﻄﺎء دﻓﻌﺔ ﻹﻧﻌﺎش اﻟﺒﻼد‬ ‫ﻣﻦ اﻟﺘﺒﺎﻃﺆ اﻻﻗﺘﺼﺎدي‪ ،‬ﺑﺪأت اﻟﺤﻜﻮﻣﺔ ﻋﻜﺲ ﺑﻌﺾ ﻫﺬه اﻟﺘﺪاﺑري‪،‬‬ ‫اﻟﺘﻲ أدت إﱃ ارﺗﻔﺎع أﺳﻌﺎر اﻟﻌﻘﺎرات ﻣﺮة أﺧﺮى‪ .‬اﻟﺰﻳﺎدة ﰲ أﺳﻌﺎر‬ ‫اﳌﻨﺎزل ﻫﻲ ﻋﻼﻣﺔ ﻣﻮاﺗﻴﺔ ﻟﻠﺒﻼد ﻟﺘﺤﻘﻴﻖ منﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ‬ ‫اﳌﺴﺘﻬﺪف وﻫﻮ ‪ 7.5‬ﰲ اﳌﺎﺋﺔ ﻟﻌﺎم ‪ .2013‬وﻣﻊ ذﻟﻚ‪ ،‬اﻟﺴﻮق اﻟﺴﺎﺧﻦ‬ ‫ﻳﺰﻳﺪ ﻣﻦ ﺧﻄﺮ ﺣﺪوث ﻓﻘﺎﻋﺔ اﻟﻌﻘﺎرات‪ ،‬و ﻳﺠﻠﺐ ﻣﻌﻪ إﻣﻜﺎﻧﻴﺔ‬ ‫اﻟﺘﺴﺒﺐ ﰲ رﻛﻮد اﻗﺘﺼﺎدي ﻋﺎم إذا إرﺗﻔﻌﺖ اﻷﺳﻌﺎر ﻋﺎﻟﻴﺎً‪.‬‬ ‫ﻳﺮى ﺑﻌﺾ اﻟﺨﱪاء أن ﺧﻄﺮ ﺣﺪوث ﻓﻘﺎﻋﺔ ﻫﻮ اﻟﺤﺪ اﻷدىن ﺣﻴﺚ أن‬ ‫اﳌﺸﱰﻳﺎت ﰲ ﻣﺪن اﳌﺴﺘﻮى ‪ 1‬و ‪ 2‬ﻣﺪﻓﻮﻋﺔ ﺑﺎﻹﺳﺘﻬﻼك وﻟﻴﺲ‬ ‫اﳌﻀﺎرﺑﺔ‪ ،‬وﻣﺪﻋﻮﻣﺔ ﺑﺎﻟﺘﺤﴬ و ﺗﻀﺨﻢ اﻷﺟﻮر‪ .‬وﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪ ،‬ﻣﻦ‬ ‫اﳌﺘﻮﻗﻊ أن ﻳﻜﻮن اﻟﻄﻠﺐ اﻷﺳﺎﳼ ﻗﻮﻳﺎً ﺣﺘﻰ إذا اﻧﺨﻔﺾ منﻮ اﻟﻨﺎﺗﺞ‬ ‫اﳌﺤﲇ اﻹﺟامﱄ إﱃ أﻗﻞ ﻣﻦ ‪ 7‬ﰲ اﳌﺎﺋﺔ‪.‬‬

‫ﻟﻠﻤﺸﱰﻳﻦ اﻟﺬﻳﻦ ﻳﺒﺤﺜﻮن ﻋﻦ ﻣﻨﻈﻮر إﺳﺘﺜامري ﰲ اﻟﺼني‪ ،‬ﻋﲆ اﻟﺮﻏﻢ‬ ‫ﻣﻦ أن ﺗﻜﺎﻟﻴﻒ اﳌﻌﺎﻣﻼت ﻣﻌﺘﺪﻟﺔ )ﺑني ‪ 4‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 7‬ﰲ اﳌﺎﺋﺔ( ﻻ‬ ‫ﻳﺴﻤﺢ ﺑﺘﻤﻠﻚ اﻷرض ﰲ اﻟﺼني‪ ،‬ﻓﻘﻂ ﻳﺘﻢ ﻣﻨﺢ ﻋﻘﻮد اﻹﻳﺠﺎر ﻻﺳﺘﺨﺪام‬ ‫اﻷراﴈ ﳌﺪة ﺗﺼﻞ إﱃ ‪ 70‬ﺳﻨﺔ )ﻟﻸﻏﺮاض اﻟﺴﻜﻨﻴﺔ(‪ .‬وﻳﺴﻤﺢ ﻓﻘﻂ‬ ‫ﻟﻸﺟﺎﻧﺐ اﻟﺬﻳﻦ إﻣﺎ ﻋﺎﺷﻮا أو ﻋﻤﻠﻮا ﰲ اﻟﺼني ﻷﻛرث ﻣﻦ ﺳﻨﺔ ﺑﴩاء‬ ‫اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‪ ،‬و ﻳﺘﻢ وﺿﻌﻬﻢ ﺗﺤﺖ اﳌﻼﺣﻈﺔ ﳌﺪة ﺣﻮاﱄ أﺳﺒﻮع‬ ‫ﻗﺒﻞ أن ﻳﺘﻤﻜﻨﻮا ﻣﻦ اﻟﴩاء ﰲ ﻣﻨﺎﻃﻖ ﻣﺤﺪدة‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ ميﻜﻦ‬ ‫ﻟﻸﺟﺎﻧﺐ متﻠﻚ اﻷراﴈ‪ ،‬وﺑﺎﳌﺜﻞ‪ ،‬ﻻ ﻳﺴﻤﺢ ﻟﻸﻓﺮاد اﻷﺟﺎﻧﺐ أو اﻟﴩﻛﺎت‬ ‫اﻷﺟﻨﺒﻴﺔ ﺑﴩاء اﻟﻌﻘﺎرات ﻟﻐﺮض اﻻﺳﺘﺜامر‪ .‬اﻟﺮﻋﺎﻳﺎ اﻟﺼﻴﻨﻴني اﳌﻘﻴﻤني‬ ‫ﰲ اﻟﺨﺎرج واﳌﻘﻴﻤني ﰲ ﻫﻮﻧﻎ ﻛﻮﻧﻎ وﻣﺎﻛﺎو ﻳﻌﻔﻮن ﻣﻦ ﻫﺬه اﻟﻼﺋﺤﺔ‪.‬‬

‫ﻛﻼً ﻣﻦ ﻣﺪن اﳌﺴﺘﻮﻳني ‪ 1‬و ‪ 2‬ﰲ اﻟﺼني ﺗﺴﺘﻤﺮ ﰲ اﻟﻨﻤﻮ ﺣﻴﺚ أﻧﻬﺎ‬ ‫ﻣﺪﻓﻮﻋﺔ ﺑﺎﻟﻄﻠﺐ اﻹﺳﺘﻬﻼيك‪ .‬ﻣﻨﺬ اﻟﻘﻴﻮد اﻟﺘﻲ أﻋﻠﻦ ﻋﻨﻬﺎ ﰲ ‪،2011‬‬ ‫ﺗﺮاﺟﻌﺖ اﳌﺸﱰﻳﺎت اﻹﺳﺘﺜامرﻳﺔ ﻣﻦ ‪ 50‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻛﺎﻓﺔ ﻣﺸﱰﻳﺎت‬ ‫اﳌﻨﺎزل ﻟﺤﻮاﱄ ‪ 10‬ﰲ اﳌﺎﺋﺔ‪.‬‬

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‫ﺧﻼل اﻟﺴﻨﺔ اﳌﺎﺿﻴﺔ‪ ،‬ﺷﻬﺪت ﺳﻮق اﻟﻌﻘﺎرات ﰲ اﻟﺼني ارﺗﻔﺎع اﻷﺳﻌﺎر‬ ‫ﺑﴪﻋﺔ ﰲ اﻟﻘﻄﺎع اﻟﺴﻜﻨﻲ‪ .‬ﰲ أﻛﱪ ﻣﺪن اﻟﺒﻼد ‪ -‬ﺑﻜني‪ ،‬ﺷﺎﻧﻐﻬﺎى‪،‬‬ ‫ﻗﻮاﻧﻐﺘﺸﻮ وﺷﻨﺘﺸﻦ ‪ -‬وإرﺗﻔﻌﺖ أﺳﻌﺎر اﳌﻨﺎزل اﻟﺠﺪﻳﺪة ﺑﻨﺴﺒﺔ ‪ 20‬ﰲ‬ ‫اﳌﺎﺋﺔ ﰲ اﻟﻌﺎم ﻋﲆ أﺳﺎس ﺳﻨﻮي ﰲ ﺳﺒﺘﻤﱪ ‪ 2013‬ﻣﻘﺎرﻧﺔ ﻣﻊ ﻧﻔﺲ‬ ‫اﻟﺸﻬﺮ ﻣﻦ اﻟﻌﺎم اﳌﺎﴈ‪ .‬ﺳﺠﻠﺖ ﻗﻮاﻧﻐﺘﺸﻮ وﺷﻨﺘﺸﻦ ‪ 20‬ﰲ اﳌﺎﺋﺔ‬ ‫إرﺗﻔﺎع ﰲ أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‪ ،‬ﰲ ﺣني ﻛﺎن اﻹرﺗﻔﺎع ﰲ ﺑﻜني و‬ ‫ﺷﻨﻐﻬﺎي ﺑﻨﺴﺒﺔ ‪ 16‬ﰲ اﳌﺎﺋﺔ و ‪ 17‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫ﺑﺪأت أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺼﻴﻨﻴﺔ ﰲ اﻹﻧﺘﻌﺎش ﰲ اﻟﻔﱰة ﻣﻦ ﻋﺎم ‪2000‬‬ ‫ﺣﺘﻰ ﻋﺎم ‪ 2008‬ﺑﺴﺒﺐ اﻧﺨﻔﺎض أﺳﻌﺎر اﻟﻔﺎﺋﺪة واﻧﺨﻔﺎض ﺗﻜﻠﻔﺔ‬ ‫اﻻﺋﺘامن‪ .‬ﻋﻨﺪﻣﺎ وﺻﻠﺖ اﻷﺳﻌﺎر ﻷﻋﲆ ﻣﺴﺘﻮى ﻟﻬﺎ ﻋﲆ اﻻﻃﻼق ﰲ ﻋﺎم‬

‫‪ ،2010‬اﺿﻄﺮت اﻟﺤﻜﻮﻣﺔ ﻹﺗﺨﺎذ ﺗﺪاﺑري ﻟﺘﻬﺪﺋﺔ اﻟﺴﻮق ﺑﻌﺪ ﺷﻜﺎوى‬ ‫اﻟﺠﻤﻬﻮر ﻣﻦ ارﺗﻔﺎع أﺳﻌﺎر اﳌﻨﺎزل اﻟﺘﻲ ﺟﻌﻠﺖ اﻟﺤﺼﻮل ﻋﲆ أﺣﺪﻫﺎ‬ ‫أﻣﺮا ً ﺑﺎﻟﻎ اﻟﺼﻌﻮﺑﺔ‪ .‬وﻣﻦ ﺑني اﻻﺳﱰاﺗﻴﺠﻴﺎت وﻛﺎن ﺑﺮﻧﺎﻣﺞ اﻹﺳﻜﺎن‬ ‫اﻟﻌﺎم اﻟﻬﺎﺋﻞ‪ .‬ﰲ ﻋﺎم ‪ ،2011‬ﺑﺪأ ﺑﻨﺎء ﻧﺤﻮ ‪ 10‬ﻣﻠﻴﻮن وﺣﺪة‪ ،‬وﻳﺘﻮﻗﻊ أن‬ ‫ﻳﺘﻢ اﻹﻧﺘﻬﺎء ﺑﺤﻠﻮل ﻋﺎم ‪ 2015‬ﻣﻦ ‪ 36‬ﻣﻠﻴﻮن وﺣﺪة أﺧﺮى ﻣﻦ اﳌﺴﺎﻛﻦ‬ ‫ﻣﻨﺨﻔﻀﺔ اﻟﺘﻜﻠﻔﺔ‪.‬‬ ‫ﺑﺪءا ً ﻣﻦ ﻋﺎم ‪ ،2010‬وﺿﻌﺖ ﺳﻠﺴﻠﺔ ﻣﻦ اﻟﺘﺪاﺑري اﻟﻘﺎمئﺔ ﳌﻨﻊ اﻟﺴﻮق‬ ‫ﻣﻦ اﻻﻧﻬﺎك‪ .‬وﺗﻀﻤﻨﺖ ﺗﻠﻚ اﻟﺘﺪاﺑري‪ ،‬ﻣﻦ ﺑني ﺗﺪاﺑري أﺧﺮى‪ ،‬زﻳﺎدة‬ ‫اﻟﺪﻓﻌﺔ اﻷوﱃ ﻋﲆ اﳌﻨﺎزل ﻣﻦ ‪ 20‬ﰲ اﳌﺎﺋﺔ اﱃ ‪ 30‬ﰲ اﳌﺎﺋﺔ )ﻋﲆ‬ ‫اﳌﻨﺎزل اﻟﺜﺎﻧﻴﺔ ﻣﻦ ‪ 50‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 60‬ﰲ اﳌﺎﺋﺔ(‪ ،‬و ﻓﺮض ﴐاﺋﺐ‬ ‫ﻋﻘﺎرﻳﺔ ﺟﺪﻳﺪة ﰲ ﺑﻌﺾ اﳌﺪن )مبﺎ ﰲ ذﻟﻚ ﺷﻨﻐﻬﺎي(‪ ،‬وﺗﻘﻴﻴﺪ ﴍاء‬ ‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺣﻮاﱄ ‪ 10‬ﻣﻼﻳني دوﻻر‪ .‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﺳﻌﺮه اﳌﺮﺗﻔﻊ‪ ،‬إﻻ أن ﺟﻬﺎز‬ ‫إﺳﱰﺟﺎع اﻟﺸﺒﺎب ﻗﺪ ﺟﺬب اﻟﻜﺜري ﻣﻦ اﻟﻔﻀﻮل ﰲ اﳌﻌﺮض ﺑﺴﺒﺐ‬ ‫إدﻋﺎﺋﻪ اﻟﺘﺤﻜﻢ ﻋﻤﻠﻴﺔ اﻟﺸﻴﺨﻮﺧﺔ إﱃ ﺣﺪ ﻗﻠﻴﻞ‪.‬‬ ‫اﻟﺠﻬﺎز ﻳﺰن ‪ 128‬ﻛﺠﻢ وﻟﻪ اﻟﻘﺪرة ﻋﲆ اﺳﺘﻴﻌﺎب إﻧﺴﺎن ﻛﺎﻣﻞ‪.‬‬ ‫ﻳﺴﺘﺨﺪم اﻟﺠﻬﺎز ﺗﻘﻨﻴﺔ ﺗﺴﻤﻰ اﻟﻜﻮد اﻟﻜﻤﻲ ﻟﻠﺨﻠﻴﺔ‪ ،‬ﻣام ﻳﺠﻌﻠﻪ ﻳﻌﻤﻞ‬ ‫ﻋﲆ ﺗﻜﺮار اﻟﱰددات اﻟﻄﺒﻴﻌﻴﺔ ﻟﻠﺠﺴﻢ‪ .‬ﻳﻮﻟﺪ اﻟﺠﻬﺎز ﻣﻮﺟﺎت ﻃﻮﻟﻴﺔ و‬ ‫ﻣﻊ اﺳﺘﺨﺪام ﺗﺮﺳﺒﺎت ﻣﻦ اﻟﺴﻴﻠﻴﻜﻮن و اﻷﳌﻨﻴﻮم ﻳﺨﻠﻖ ﺗﺄﺛري ﻣﻀﺎد‬ ‫ﻟﻠﺸﻴﺨﻮﺧﺔ‪.‬‬ ‫ﻟﺬﻟﻚ‪ ،‬ﻫﻞ ﺳﻮف ﻳﺠﺪ ﻫﺬا اﻟﺠﻬﺎز اﻟﻔﺎﺧﺮ ﺳﻮﻗﺎً ﻟﻪ ﺑﺴﻌﺮه اﻟﺤﺎﱄ؟ ﻣﻊ‬ ‫ﺗﺰاﻳﺪ ﻋﺪد اﳌﻠﻴﺎردﻳﺮات ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ .‬ميﻜﻦ ﻷي ﺷﺨﺺ أن‬ ‫ﻳﺘﺨﻴﻞ ﻛﻢ ﻋﺪد أﺟﻬﺰة إﺳﱰﺟﺎع اﻟﺸﺒﺎب اﻟﺘﻲ ﺳﻮف ﺗﻨﺘﺞ ﺳﻨﻮﻳﺎً‪.‬‬

‫ﺗﺨﻴﻞ ﻗﻀﺎء ﻋﻄﻼت ﰲ ﺷﺎﻟﻴﻪ اﻟﺘﺰﻟﺞ اﻟﻔﺎﺧﺮ اﻟﺬي ﻳﺒﺪو وﻛﺄﻧﻪ ورﺷﺔ‬ ‫ﻋﻤﻞ ﺑﺎﺑﺎﻧﻮﻳﻞ! وﻳﺴﺖ رﻳﺰورﺗﺲ ﺑﺎﻟﺘﻌﺎون ﻣﻊ ﻓﺎو ﺷﻔﺎرﺗﺰ ﻧﻴﻮﻳﻮرك‬ ‫ﺗﻘﺪم ﺣﺰﻣﺔ ذﻛﺮﻳﺎت اﻟﻌﻄﻼت ﺣﻴﺚ أن اﻟﻀﻴﻮف اﻟﺬﻳﻦ ﻳﺤﺠﺰون‬ ‫ﺣﺰﻣﺔ ﻻ ﻳﺤﺼﻠﻮن ﻓﻘﻂ ﻋﲆ إﻗﺎﻣﺔ ﺳﺒﻊ ﻟﻴﺎل ﰲ ﻣﻨﺰل ﺧﺎص ﰲ أﺣﺪ‬ ‫ﺛﻼﺛﺔ ﻣﻨﺘﺠﻌﺎت )ﻛﺎﻧﻴﻮن رﻳﺰورت‪ ،‬ﻣﺎوﻧﺘﺎﻳﻦ رﻳﺰورت وﻓﺎﱄ رﻳﺰورت(‪،‬‬ ‫وﻟﻜﻦ ﻳﺤﺼﻠﻮن أﻳﻀﺎً ﻋﲆ أﻓﻀﻞ اﻷﻟﻌﺎب ﺗﺤﻘﻴﻘﺎً ﻟﻠﻤﺒﻴﻌﺎت ﰲ ﻣﺘﺠﺮ‬ ‫ﻓﺎو ﺷﻔﺎرﺗﺰ‪ ،‬اﻟﺘﻲ ميﻜﻨﻬﻢ اﻹﺧﺘﻴﺎر ﻣﻦ ﺑﻴﻨﻬﺎ اﻷﻟﻌﺎب اﻟﺘﻲ ﻳﺮﻏﺒﻮن ﰲ‬ ‫ﺗﺰﻳني ﻣﻨﺎزﻟﻬﻢ ﺑﻬﺎ أﺛﻨﺎء إﻗﺎﻣﺘﻬﻢ‪.‬‬

‫ﺳﻮف ﺗﻜﻮن اﻟﺤﺰﻣﺔ ﻋﲆ اﻟﻌﺮض اﳌﻘﺪم ﻣﻦ ‪ 4‬دﻳﺴﻤﱪ وﺣﺘﻰ ‪ .31‬ﻋﻨﺪ‬ ‫وﺻﻮل اﻟﻀﻴﻮف إﱃ اﳌﻨﺘﺠﻊ‪ ،‬ﺳﻴﺠﺪون ﻣﻨﺎزﻟﻬﻢ ﻣﻠﻴﺌﺔ ﺑﺎﻟﻸﻋﺎب‬ ‫اﳌﺨﺘﺎرة‪ .‬مبﺠﺮد إﻧﺘﻬﺎء إﺳﺒﻮع إﻗﺎﻣﺘﻬﻢ‪ ،‬وﺳﻴﺘﻢ ﺷﺤﻦ اﻷﻟﻌﺎب إﱃ‬ ‫ﻣﻨﺰل اﻟﻀﻴﻒ‪ .‬ﺳﻌﺮ اﻟﺤﺰﻣﺔ ‪ 40،000‬دوﻻر ﳌﻨﺰل ﺧﺎص ﻣﻜﻮن ﻣﻦ‬ ‫ﺧﻤﺲ ﻏﺮف ﻧﻮم ﳌﺪة أﺳﺒﻮع‪ .‬ﻛام ﺗﺘﻮﻓﺮ أﻳﻀﺎً ﺣﺰﻣﺎً ﻣﺨﺼﺼﺔ ﺑﺎﻟﻄﻠﺐ‬ ‫ﻋﲆ اﻟﻌﻘﺎرات اﻟﺼﻐرية‪.‬‬

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‫أﺻﺪرت ﻣﺎﻳﺴﻮن ﻓﺎﻟﻐﺮﻳﻦ ﻋﻦ ﻣﴬب اﻟﻐﻮﻟﻒ اﻟﻔﺮﻳﺪ ﻣﻦ ﻧﻮﻋﻪ‪،‬‬ ‫اﻟﺬي ﺗﻢ ﺗﺼﻨﻴﻌﻪ ﻳﺪوﻳﺎً وﺗﺼﻤﻴﻤﻪ ﻣﻦ ﻗﺒﻞ ﻏﺮﻳﻐﻮري ﻣﻮرو‪ ،‬اﻟﺬي‬ ‫ميﺰج ﺑني ﻣﻼﻣﺢ اﻟﻘﻮة واﻟﺮﻗﺔ ﻟﺘﻘﺪﻳﻢ ﻋﻤﻞ ﻓﻨﻲ ﺟﻤﻴﻞ وإﻧﺴﻴﺎيب‪.‬‬ ‫ﺗﺼﻤﻴﻢ ﻳﺠﻤﻊ ﺑني اﻟﺘﻘﻠﻴﺪ اﻟﻔﺮﻧﴘ ﰲ اﻟﺘﻤﻴﺰ اﳌﻌﺪين ﻣﻊ اﻻﺑﺘﻜﺎر‬ ‫وإﻟﺘﺰام ﻣﺎﻳﺴﻮن ﻓﺎﻟﻐﺮﻳﻦ ﺑﺎﻟﺠﻤﻊ ﺑني اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ‪ ،‬اﻟﺤﺮﻓﻴﺔ‪ ،‬اﻷداء‬ ‫واﳌﺠﻮﻫﺮات ﻟﺘﻌﺰﻳﺰ ﺛﻘﺎﻓﺔ اﻟﺮﻓﺎﻫﻴﺔ اﻟﺘﻲ ﻳﻌﺮف ﺑﻬﺎ اﻟﻔﺮﻧﺴﻴﻮن‪.‬‬

‫اﳌﻴﺰات اﻟﻔﺮﻳﺪة ﻟﻠﻤﴬب ﺗﺸﻤﻞ إﺣﺘﻮاﺋﻪ ﻋﲆ ‪ 56‬ﻗﻄﻌﺔ اﳌﺎس ﰲ‬ ‫ﺷﻜﻞ ﻣﺠﻤﻮﻋﺔ ﻣﻦ اﻟﺤﺒﺎت ﻣﻦ ﻣﺘﺠﺮ ‪ 7‬ﺑﻼﻳﺲ ﻓﻴﻨﺪوم‪ ،‬وﻫﻮ ﴍﻳﻚ‪.‬‬ ‫وﺑﺎﻻﺿﺎﻓﺔ اﱃ ﻫﺬا ﺗﺸﻤﻞ اﳌﻴﺰات اﻟﻌﺎﻟﻴﺔ ﺣﻠﻘﺎت و ﻣﺴﺎﻣري ﻣﺼﻨﻮﻋﺔ‬ ‫ﻣﻦ ﺳﺒﻴﻜﺔ اﻟﻨﺤﺎس واﻟﺬﻫﺐ و وﻣﻘﺒﺾ ﻣﻦ اﻟﺠﻠﺪ اﻟﻄﺒﻴﻌﻲ ذو اﻟﺤﺒﺔ‬ ‫اﻟﻜﺎﻣﻠﺔ ﻣﺨﻴﻂ ﺑﺨﻴﻮط اﻟﻜﺘﺎن‪ ،‬وﻣﻘﺒﺾ ﻣﻄﺎوع ﻣﻦ اﻟﻜﺮﺑﻮن اﳌﻔﺮغ‬ ‫اﳌﻐﻠﻒ ﺑﺴﺒﻊ ﻃﺒﻘﺎت ﻣﻦ اﻟﻄﻼء وورﻧﻴﺶ ﻣﻀﺎد ﻟﻠﻐﺒﺎر‪.‬‬

‫إن ﻣﴬب ﻓﺎﻟﻐﺮﻳﻦ ﻳﺸﺒﻪ اﻟﻨﺤﺖ‪ ،‬وﺗﻢ ﺗﺼﻨﻴﻌﻪ ﺑﻌﺪ ﺛﻼث ﺳﻨﻮات ﻣﻦ‬ ‫اﻟﺒﺤﺚ واﻟﺘﻄﻮﻳﺮ وﺛﻼث ﺑﺮاءات اﺧﱰاع ﻟﺘﻄﻮﻳﺮ دﻗﺘﻪ وﳌﺴﺘﻪ اﻟﻨﺎﻋﻤﺔ‪.‬‬

‫ﻫﺬا اﳌﴬب اﻟﻔﺮﻳﺪ ﻣﻦ ﻧﻮﻋﻪ ﻻ ﻳﻀﺎﻫﻴﻪ أي ﻣﴬب ﰲ أي دوﻟﺔ أﺧﺮى‬ ‫ﰲ اﻟﻌﺎمل‪ .‬اﳌﺘﻌﺔ اﻟﺤﻘﻴﻘﻴﺔ ﻣﻦ اﻣﺘﻼك واﺣﺪ ﻣﻨﻬﺎ‪ ،‬واﻟﺬي ﻳﺒﻠﻎ ﺳﻌﺮه‬ ‫‪ 44,278‬ﻳﻮرو‪ ،‬ﺗﺰﻳﺪ مبﺠﺮد أن ﻳﺸﻌﺮ اﻟﻼﻋﺐ ﺑﻠﻤﺴﺘﻪ اﻟﺮﻗﻴﻘﺔ ﻋﲆ‬ ‫اﳌﻠﻌﺐ اﻷﺧﴬ‪.‬‬

‫‪10‬‬ ‫ﰲ ‪ 27‬ﺳﺒﺘﻤﱪ ‪ ،2013‬ﻛﺎن ﻗﴫ إﻣﺎرة أﺑﻮﻇﺒﻲ ﻣﻜﺎﻧﺎ ﻟﻌﺮض ﻓﺮﻳﺪ ﻣﻦ‬ ‫ﻧﻮﻋﻪ ﻟﺠﻬﺎز ﻣﻜﺎﻓﺤﺔ اﻟﺸﻴﺨﻮﺧﺔ اﻟﺬي ﺗﻢ ﺗﻄﻮﻳﺮه ﻣﻦ ﻗﺒﻞ ﴍﻛﺔ‬ ‫ﺳﻴﺴﺘﻢ ‪ 4‬ﺗﻜﻨﻮﻟﻮﺟﻴﺰ اﳌﺤﺪودة‪" .‬إﺳﱰﺟﺎع اﻟﺸﺒﺎب"‪ ،‬ﻛام ﻳﺴﻤﻰ ﻫﺬا‬ ‫اﻟﺠﻬﺎز‪ ،‬ﴎق اﻷﺿﻮاء ﰲ ﻣﻌﺮض ﻣﻨﺘﺠﺎت اﻟﺤﻴﺎة اﻟﻌﴫﻳﺔ‪.‬‬ ‫اﻟﺠﻬﺎز‪ ،‬واﻟﺘﻲ ﻋﺎدة ﻣﺎ ﻳﻜﻮن ﺳﻌﺮه ‪ 557,000‬دوﻻر‪ ،‬ﺳﻮف ﻳﺘﻢ‬ ‫ﺗﺼﻨﻴﻌﻪ ﺑﺎﻟﻄﻠﺐ وﺳﺘﻘﻮم اﻟﴩﻛﺔ ﺑﺘﺼﻨﻴﻊ ‪ 50‬ﻗﻄﻌﺔ ﻓﻘﻂ ﺳﻨﻮﻳﺎً‪ .‬ﻛﺎن‬ ‫اﻟﻨﻤﻮذج اﳌﻌﺮوض ﰲ ﻣﻌﺮض إﻛﺴﺒﻮ ﻣﺮﺻﻊ ﺑﺎﳌﺎس وﻳﺒﻠﻎ وزن اﳌﺎس‬ ‫ﺣﻮاﱄ ‪ 6880‬ﻗرياط‪ ،‬واﻟﺬي ﻳﻀﺎف إﱃ ﺗﻔﺮده ورﻓﻊ ﺳﻌﺮه ﻟﻴﺼﻞ اﱃ‬ ‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﰲ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة‪ ،‬إﻧﺨﻔﺾ ﺳﻌﺮ ﺑﻴﻊ اﳌﻨﺎزل اﻟﻘﺎمئﺔ ﻟﻠﺸﻬﺮ اﻟﺜﺎين‬ ‫ﻋﲆ اﻟﺘﻮاﱄ‪ ،‬وﻟﻜﻦ ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﻫﺬا‪ ،‬أدى اﻧﺨﻔﺎض اﳌﺨﺰون إﱃ‬ ‫إرﺗﻔﺎع أﺳﻌﺎر اﳌﻨﺎزل ﺣﻴﺚ ﺷﻬﺪت ﻣﻜﺎﺳﺐ ﻣﻦ رﻗﻤني ﻋﲆ اﺳﺎس‬ ‫ﺳﻨﻮى‪ .‬وﻓﻘﺎً ﻟﻠﺒﻴﺎﻧﺎت اﻟﺼﺎدرة ﻋﻦ اﻟﺮاﺑﻄﺔ اﻟﻮﻃﻨﻴﺔ ﻟﻠﻮﺳﻄﺎء اﻟﻌﻘﺎرﻳني‬ ‫)‪ ،(NAR‬اﻧﺨﻔﻀﺖ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل اﻟﻘﺎمئﺔ ﺑﻨﺴﺒﺔ ‪ 3.2‬ﰲ اﳌﺎﺋﺔ ﻟﺘﺼﻞ‬ ‫إﱃ ‪ 5.12‬ﻣﻠﻴﻮن )ﻣﻌﺪﻟﺔ ﻣﻮﺳﻤﻴﺎً( ﰲ اﻛﺘﻮﺑﺮ ﺗﴩﻳﻦ اﻻول ﻣﻘﺎرﻧﺔ ﻣﻊ‬ ‫‪ 5.20‬ﻣﻠﻴﻮن ﰲ ﺳﺒﺘﻤﱪ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ ﻣﺴﺘﻮى ‪ 4.83‬ﻣﻠﻴﻮن‬ ‫وﺣﺪة ﰲ أﻛﺘﻮﺑﺮ ‪ ،2012‬ﻓﺈﻧﻪ ﻻ ﻳﺰال ﻣﺮﺗﻔﻌﺎ ﺑﻨﺴﺒﺔ ‪ 6‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫وﻓﻘﺎ ﻟﻠﻮراﻧﺲ ﻳﻮن‪ ،‬ﻛﺒري إﻗﺘﺼﺎدﻳﻲ ‪ ،NAR‬ﺣﺎﻓﻈﺖ اﳌﺒﻴﻌﺎت ﻋﲆ‬ ‫ﻣﺴﺘﻮﻳﺎت اﻟﻌﺎم اﳌﺎﴈ ﺧﻼل ‪ 28‬ﺷﻬﺮا ً اﳌﺎﺿﻴﺔ‪ ،‬وﻳﺘﻮﻗﻊ أن ﻳﻈﻞ‬ ‫اﳌﻌﺪل ﺛﺎﺑﺘﺎً‪ ،‬وﻳﺮﺟﻊ ذﻟﻚ أﺳﺎﺳﺎً إﱃ ﺗﺂﻛﻞ اﻟﻘﻮة اﻟﴩاﺋﻴﺔ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ‬ ‫ذﻟﻚ‪ ،‬ﰲ ﺣني أن إﻧﺨﻔﺎض اﳌﺨﺰون ميﻨﻊ إﻧﺨﻔﺎض ﺳﻌﺮ اﻟﺒﻴﻊ‪ ،‬إﻻ إﻧﻪ‬ ‫ﻳﺆدي ﰲ ﻧﻔﺲ اﻟﻮﻗﺖ إﱃ إرﺗﻔﺎع أﺳﻌﺎر اﳌﻨﺎزل‪ .‬و ﺑﻨﺎء اﳌﻨﺎزل اﻟﺠﺪﻳﺪة‬ ‫ﺳﻮف ﻳﺴﺎﻋﺪ ﰲ ﺗﺨﻔﻴﻒ اﻟﻀﻐﻂ اﻟﻨﺎﺟﻢ ﻋﻦ ﻧﻘﺺ اﳌﺨﺰون وأﻳﻀﺎ‬ ‫ﺗﺨﻔﻴﻒ ارﺗﻔﺎع اﻷﺳﻌﺎر‪.‬‬ ‫ﰲ أﻛﺘﻮﺑﺮ‪ ،‬ﻛﺎن ﻣﺘﻮﺳﻂ أﺳﻌﺎر اﳌﻨﺎزل اﻟﻘﺎمئﺔ ‪ 199,500‬دوﻻر‪ ،‬ﺑﺰﻳﺎدة‬ ‫ﻗﺪرﻫﺎ ‪ 12.8‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻌﺎم ﻋﲆ اﺳﺎس ﺳﻨﻮى‪ .‬ﻛﺎن ﻫﺬا إرﺗﻔﺎع ﻣﻦ‬

‫رﻗﻤني ﻋﲆ أﺳﺎس ﺳﻨﻮي ﻟﻠﺸﻬﺮ اﻟﺤﺎدي ﻋﴩ ﻋﲆ اﻟﺘﻮاﱄ‪ .‬وﺷﻜﻠﺖ‬ ‫اﳌﺒﻴﻌﺎت اﳌﺘﻌرثة ﻟﻠﻤﻨﺎزل )اﻟﺒﻴﻊ ﻋﲆ اﳌﻜﺸﻮف واﻟﺮﻫﻦ( ﳌﺪة ‪ 14‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻣﻦ ﻣﺒﻴﻌﺎت اﳌﻨﺎزل ﰲ أﻛﺘﻮﺑﺮ اﻟﺘﻲ ﺑﻘﻴﺖ ﻋﲆ ﺣﺎﻟﻬﺎ ﻣﻘﺎرﻧﺔ ﻣﻊ‬ ‫ﺳﺒﺘﻤﱪ‪ ،‬وﻟﻜﻦ أﻗﻞ ﺑﻜﺜري ﻣﻦ اﻟﺘﻲ ﺗﻢ ﺗﺴﺠﻴﻠﻬﺎ ﰲ أﻛﺘﻮﺑﺮ ‪ 2012‬واﻟﺘﻲ‬ ‫ﺑﻠﻐﺖ ‪ 25‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﰲ ﻧﻬﺎﻳﺔ ﺷﻬﺮ أﻛﺘﻮﺑﺮ‪ ،‬ﻛﺎن إﺟامﱄ ﻣﺨﺰون اﳌﻨﺎزل ﻗﺪ اﻧﺨﻔﺾ ﺑﻨﺴﺒﺔ‬ ‫‪ 1.8‬ﰲ اﳌﺎﺋﺔ ﻟﻴﺼﻞ إﱃ ‪ 2.13‬ﻣﻠﻴﻮن ﻣﻨﺰل ‪ -‬إﻣﺪادات ﺧﻤﺴﺔ أﺷﻬﺮ‬ ‫ﺑﺎﳌﻌﺪل اﻟﺤﺎﱄ ﻟﻠﻤﺒﻴﻌﺎت )‪ 4.9‬أﺷﻬﺮ ﰲ ﺳﺒﺘﻤﱪ(‪.‬‬ ‫اﳌﺼﺪر‪www.propertywire.com :‬‬

‫ﻣﻊ زﻳﺎدة اﻟﺜﻘﺔ ﰲ اﻻﻗﺘﺼﺎد اﻟﱪﻳﻄﺎين واﻟﺠﻨﻴﻪ اﻻﺳﱰﻟﻴﻨﻲ اﺳﺘﻌﺎد‬ ‫وﺿﻌﻪ‪ ،‬إزداد ﻋﺪد إﺳﺘﻔﺴﺎرات اﳌﺸﱰﻳﻦ اﻟﱪﻳﻄﺎﻧﻴني ﻟﻠﺤﺼﻮل ﻋﲆ‬ ‫ﻣﻨﺎزل ﺛﺎﻧﻮﻳﺔ ﰲ اﻟﺒﻠﺪان اﻷوروﺑﻴﺔ‪ .‬وﻓﻘﺎ ﻟﻺﺣﺼﺎءات اﻟﺼﺎدرة ﻋﻦ‬ ‫ﴍﻛﺔ أوﻓﺮﺳﻴﺰ ﻏﺎﻳﺪز‪ ،‬إزداد ﻋﺪد ﻃﻠﺒﺎت اﻟﺤﺼﻮل ﻋﲆ ﻣﻌﻠﻮﻣﺎت‬ ‫ﺣﻮل اﻟﻌﻘﺎرات اﻷﺟﻨﺒﻴﺔ ﺑﻨﺴﺒﺔ ‪ 30‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻌﺎم ﻋﲆ أﺳﺎس ﺳﻨﻮي‬ ‫ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪.2013‬‬ ‫وﻛﺎﻧﺖ اﻟﻐﺎﻟﺒﻴﺔ اﻟﻌﻈﻤﻰ ﻣﻦ اﻻﺳﺘﻔﺴﺎرات ﻋﻦ اﻟﻌﻘﺎرات ﰲ ﻓﺮﻧﺴﺎ‪،‬‬ ‫إﻳﻄﺎﻟﻴﺎ‪ ،‬اﻟﱪﺗﻐﺎل وإﺳﺒﺎﻧﻴﺎ‪ .‬ﺷﻬﺪت ﻣﻨﺘﺠﻌﺎت اﻟﺘﺰﻟﺞ ﻋﲆ اﻟﺠﻠﻴﺪ أﻳﻀﺎ‬ ‫زﻳﺎدة اﻻﻫﺘامم ﺑﻬﺎ ﰲ ﻫﺬا اﻟﻮﻗﺖ ﻣﻦ اﻟﻌﺎم‪ ،‬وﺧﺎﺻﺔ ﺷﺎﻣﻮين وﻣﻮﻧﺖ‬ ‫ﺑﻼﻧﻚ ﰲ ﻓﺮﻧﺴﺎ‪ .‬وﻛﺎﻧﺖ وﺟﻬﺎت أﺧﺮى ﻗﺪ ﺟﺬﺑﺖ اﻻﺳﺘﻔﺴﺎرات ﻋﻦ‬ ‫ﻋﻤﻠﻴﺎت اﻟﺒﺤﺚ ﻋﻦ اﻟﻌﻘﺎرات ﻣﺜﻞ اﺳﺒﺎﻧﻴﺎ )ﻓﻮﻳﺮﺗﻴﻔﻨﺘﻮرا‪ ،‬ﺑﻼﻳﺎ ﺑﻼﻧﻜﺎ‬ ‫وﺑﻮﻳﺮﺗﻮ دﻳﻞ ﻛﺎرﻣﻦ( واﻟﱪﺗﻐﺎل )ﺑﺮاﻳﺎ دا ﻟﻮز(‪.‬‬ ‫واﺻﻠﺖ إﺳﺒﺎﻧﻴﺎ رﻳﺎدﺗﻬﺎ ﻟﻌﻤﻠﻴﺎت اﻟﺒﺤﺚ ﻋﻦ اﻟﻌﻘﺎرات ﻣﻊ أﻋﲆ‬ ‫ﺧﻤﺲ وﺟﻬﺎت وﻫﻲ اﻷﻧﺪﻟﺲ‪ ،‬ﺟﺰر اﻟﻜﻨﺎري‪ ،‬أﻟﻴﻜﺎﻧﺘﻰ‪ ،‬ﻛﻮﺳﺘﺎ دﻳﻞ‬ ‫ﺳﻮل وﻓﺎﻟﻨﺴﻴﺎ‪ .‬ﰲ ﻓﺮﻧﺴﺎ‪ ،‬اﻟﺘﻲ ﻛﺎﻧﺖ اﻟﻮﺟﻬﺔ اﻟﺜﺎﻧﻴﺔ اﻷﻛرث ﺷﻌﺒﻴﺔ‬ ‫)ﺗﻠﻴﻬﺎ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة‪ ،‬إﻳﻄﺎﻟﻴﺎ واﻟﱪﺗﻐﺎل(‪ ،‬و اﻟﺮﻳﻔريا اﻟﻔﺮﻧﺴﻴﺔ‪،‬‬ ‫ﻻﻧﻐﺪوك روﺳﻴﻮن‪ ،‬ﺑﺮوﻓﺎﻧﺲ و ﻛﻮت دازور آﻛﻴنت‪ ،‬ﺑﺮﻳﺘﺎين ﻛﺎﻧﺖ ﻫﺬه‬ ‫اﻟﻮﺟﻬﺎت اﻷﻛرث ﺑﺤﺜﺎً‪.‬‬ ‫اﳌﺼﺪر‪www.propertywire.com :‬‬

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‫ﰲ أﻛﺘﻮﺑﺮ‪ ،‬وﺻﻞ إﺟامﱄ اﻹﻗﺮاض اﻟﻌﻘﺎري ﰲ اﳌﻤﻠﻜﺔ اﳌﺘﺤﺪة ‪17,6‬‬ ‫ﻣﻠﻴﺎر ﺟﻨﻴﻪ إﺳﱰﻟﻴﻨﻲ‪ ،‬أي ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 9‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﰲ ﺳﺒﺘﻤﱪ‬ ‫أﻳﻠﻮل ﺣﻴﺚ ﺑﻠﻎ ﻗﻴﻤﺘﻪ ‪ 16,2‬ﻣﻠﻴﺎر ﺟﻨﻴﻪ إﺳﱰﻟﻴﻨﻲ‪ ،‬و زﻳﺎدة ﻛﺒرية‬ ‫ﺑﻨﺴﺒﺔ ‪ 37‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺸﻬﺮ أﻛﺘﻮﺑﺮ ﻣﻦ اﻟﻌﺎم اﳌﺎﴈ‪ ،‬ﻋﻨﺪﻣﺎ ﻛﺎن‬ ‫ﺑﻠﻎ ‪ 12,9‬ﻣﻠﻴﺎر ﺟﻨﻴﻪ إﺳﱰﻟﻴﻨﻲ‪ .‬وﻓﻘﺎ ﳌﺠﻠﺲ ﻣﻘﺮﴈ اﻟﺮﻫﻦ اﻟﻌﻘﺎري‪،‬‬ ‫ﻛﺎن ﻫﺬا أﻋﲆ رﻗﻢ ﺷﻬﺮي ﺑﻌﺪ ﻣﺠﻤﻮع ‪ 18,6‬ﻣﻠﻴﺎر ﺟﻨﻴﻪ إﺳﱰﻟﻴﻨﻲ‬ ‫اﻟﺬي ﺗﺤﻘﻖ ﰲ أﻛﺘﻮﺑﺮ ‪ .2008‬ﻳﺘﻮﻗﻊ ‪ CML‬أﻳﻀﺎً أن ﻧﺸﺎط اﻹﺳﻜﺎن ﰲ‬ ‫اﳌﻤﻠﻜﺔ اﳌﺘﺤﺪة ﺳﻮف ﻳﻨﻤﻮ ﺑﺸﻜﻞ أﻗﻮى ﻋﲆ اﳌﺪى اﻟﻘﺼري و ﺳﻮف‬ ‫ﻳﻠﻌﺐ دورا ً ﻫﺎﻣﺎً ﰲ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي اﻟﻌﺎم ﰲ اﻟﺒﻼد‪.‬‬ ‫ﰲ ﺣني أﻧﻪ ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺴﻬﻢ ﻣﺒﺎدرة اﳌﺴﺎﻋﺪة ﻋﲆ اﻟﴩاء ﰲ‬ ‫زﻳﺎدة ﻋﺪد ﻣﺸﱰي اﳌﻨﺎزل ﻷول ﻣﺮة اﻟﺬﻳﻦ ﺳﻮف ﻳﺴﺘﻔﻴﺪون ﻣﻦ‬ ‫اﻟﱪﻧﺎﻣﺞ ﰲ ﻋﺎم ‪ ،2014‬إﻻ أن ﻫﻨﺎك ﺣﻘﻴﻘﺔ ﻣﺜرية ﻟﻼﻫﺘامم وﻫﻲ أﻧﻬﺎ‬ ‫مل ﺗﻮﻗﻒ ﻧﺤﻮ ‪ 95‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﺮﻫﻮن اﻟﻌﻘﺎرﻳﺔ اﻟﺘﻲ ﺗﺪﺧﻞ اﱃ اﻟﺴﻮق‬ ‫ﻗﺒﻞ ﻋﻴﺪ اﳌﻴﻼد ﻣﻦ ﻛﻞ ﻣﻦ ﻣﺸﱰي اﳌﻨﺎزل ﻷول ﻣﺮة أو ﻣﺸﱰي اﳌﻨﺎزل‬ ‫اﻟﺜﺎﻧﻮﻳﺔ‪ .‬وﻓﻘﺎً ﻟﺒﻴﺎﻧﺎت ﻣﻜﺘﺐ ﻧﺼﺢ اﻟﺮﻫﻦ اﻟﻌﻘﺎري )‪ ،(MAB‬منﺖ‬ ‫ﻃﻠﺒﺎت اﳌﺸﱰﻳﻦ أﻳﻀﺎ ﰲ اﻛﺘﻮﺑﺮ ﺗﴩﻳﻦ اﻻول ﺑﻨﺴﺒﺔ ‪ 19‬ﰲ اﳌﺎﺋﺔ‬ ‫ﺧﻼل ﺷﻬﺮ ﺳﺒﺘﻤﱪ‪ .‬وﻫﺬا ﻳﻌﺪ ﻣﺆﴍا ﻋﲆ اﻟﻄﻠﺐ اﳌﺘﺰاﻳﺪ ﻣﻦ‬ ‫اﳌﺴﺘﻬﻠﻜني‪ ،‬وﻫﻮ ﻣﺆﴍ ﻋﲆ أن اﻟﺴﻮق ميﻜﻦ أن ﻳﻜﻮن ﰲ دورة‬ ‫ﻧﺸﻴﻄﺔ ﻗﺒﻞ ﻧﻬﺎﻳﺔ اﻟﻌﺎم‪.‬‬ ‫ﺗﺤﻠﻴﻞ اﻟﺘﻨﻮع و ﺗﺴﻌري اﻟﻘﺮوض اﻟﻌﻘﺎرﻳﺔ ﻳﻜﺸﻒ اﻟﺴﺒﺐ وراء زﻳﺎدة‬ ‫ﻋﺪد اﳌﺸﱰﻳﻦ اﻟﺬﻳﻦ ﻳﺨﺘﺎرون اﻹﻧﺘﻘﺎل أو اﻟﺮﻫﻦ اﻟﻌﻘﺎري‪ .‬اﳌﻌﺪﻻت‬ ‫اﻟﺜﺎﺑﺘﺔ ﻟﺴﻨﺘني إﱃ ﺛﻼث ﺳﻨﻮات ﺗﱰاوح ﻣﻌﺪﻻﺗﻬﺎ ﻋﻨﺪ ﻣﺴﺘﻮﻳﺎت أﻗﻞ‬ ‫‪www.valoran.ae‬‬

‫ﻣﻦ أي وﻗﺖ ﻣﴣ‪ .‬وﺑﺎﳌﺜﻞ‪ ،‬ﻓﺈن اﳌﻌﺪﻻت ﳌﺪة ﺧﻤﺲ ﺳﻨﻮات ﻫﻲ‬ ‫ﻗﺮﻳﺒﺔ ﻣﻦ أدىن ﻣﺴﺘﻮﻳﺎﺗﻬﺎ ﰲ ﻋﺪة ﺳﻨﻮات‪ .‬وﻫﻨﺎك أﻳﻀﺎ اﳌﺰﻳﺪ ﻣﻦ‬ ‫ﻣﻨﺘﺠﺎت اﻟﺮﻫﻦ اﻟﻌﻘﺎري ﰲ اﻟﺴﻮق ﰲ اﻛﺘﻮﺑﺮ ﺗﴩﻳﻦ اﻻول أﻛرث ﻣام‬ ‫ﻛﺎﻧﺖ ﻋﻠﻴﻪ ﰲ أي وﻗﺖ ﻣﴣ ﻣﻨﺬ ﻳﻨﺎﻳﺮ ‪ .2009‬ﺧﻤﺲ ﺳﻨﻮات ﻣﻨﺬ‬ ‫ﺑﺪاﻳﺔ اﻷزﻣﺔ اﻻﻗﺘﺼﺎدﻳﺔ اﻟﻌﺎﳌﻴﺔ ﰲ أﻛﺘﻮﺑﺮ ‪ ،2008‬ﻳﺒﺪو أن ﺳﻮق‬ ‫اﻟﺮﻫﻦ اﻟﻌﻘﺎري ﰲ اﳌﻤﻠﻜﺔ اﳌﺘﺤﺪة ﺗﺴﺘﻌﺪ ﻟﻼﻧﺘﻌﺎش‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ‬ ‫ﺗﺰال ﻫﻨﺎك ﻓﺠﻮة ﺑني ﺗﻮاﻓﺮ اﻟﺮﻫﻮن اﻟﻌﻘﺎرﻳﺔ و اﳌﻨﺎزل‪ ،‬ﻛام ﺗﺴﺘﻤﺮ‬ ‫اﳌﻨﺎزل ﰲ ﺣﺎﻟﺔ ﻣﻦ ﻧﻘﺺ اﳌﻌﺮوض‪.‬‬ ‫اﳌﺼﺪر‪www.propertywire.com :‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻻﻳﺠﺎرات‬

‫أﺳﻌﺎر ﺑﻴﻊ اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ ﰲ اﻟﺘﺠﻤﻊ ﺗﺨﺘﻠﻒ اﺳﺘﻨﺎدا إﱃ اﻟﻘﺮﻳﺔ‪،‬‬ ‫اﻟﻄﺮاز اﳌﻌامري‪ ،‬ﻧﻮع اﳌﻨﺰل و ﻋﺪد ﻏﺮف اﻟﻨﻮم‪.‬‬

‫ﺑﻠﻎ ﻣﺘﻮﺳﻂ ﺳﻌﺮ اﻹﻳﺠﺎر ﰲ اﻟﻔﺮﺟﺎن ﻟﻠﻔﻠﻞ إﱃ ‪ 248,973‬درﻫﻢ‬ ‫ﻹﻳﺠﺎر ﻓﻴﻼ ﻣﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم اﺑﺘﺪاء ﻣﻦ ‪ 145,000‬درﻫﻢ‪.‬‬ ‫أﻋﲆ اﻹﻳﺠﺎرات ﰲ اﳌﺠﻤﻊ ﻫﻮ ﻟﻠﻔﻴﻼت اﳌﻜﻮﻧﺔ ﻣﻦ ﺳﺖ ﻏﺮف ﻧﻮم‪،‬‬ ‫واﻟﺬي ﻳﺒﻠﻎ ﺣﻮاﱄ ‪ 360,000‬درﻫﻢ إﻣﺎرايت‪ .‬ﻟﻠﺸﻘﻖ ﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ‬ ‫اﻹﻳﺠﺎر‪ 103,583‬درﻫﻢ‪ .‬إﻳﺠﺎر ﺷﻘﺔ ﺑﻐﺮﻓﺔ ﻧﻮم واﺣﺪة ﻳﺒﺪأ ﻣﻦ‬ ‫‪ 50,000‬درﻫﻢ‪ ،‬ﺑﻴﻨام ﻳﺒﻠﻎ إﻳﺠﺎر اﻟﺸﻘﻖ ذات اﻟﺜﻼث ﻏﺮف ﻧﻮم ﺣﻮاﱄ‬ ‫‪ 170,000‬درﻫﻢ إﻣﺎرايت‪.‬‬

‫أﺳﻌﺎر اﻟﺒﻴﻊ‬ ‫ﻣﺘﻮﺳﻂ ﺳﻌﺮ ﺑﻴﻊ اﻟﻔﻠﻞ ﰲ اﻟﻔﺮﺟﺎن ﻫﻮ ‪ 4,427,238‬درﻫﻢ إﻣﺎرايت‪،‬‬ ‫ﺑﺪءا ﻣﻦ ‪ 2,300,000‬درﻫﻢ ﻟﻠﻔﻴﻼ اﳌﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم وﺣﺘﻰ‬ ‫‪ 7,100,000‬درﻫﻢ ﻟﻠﻘﴫ اﳌﻜﻮن ﻣﻦ ﺳﺖ ﻏﺮف ﻧﻮم‪ .‬ﻣﺘﻮﺳﻂ ﺳﻌﺮ‬ ‫اﻟﺒﻴﻊ ﻟﻠﺸﻘﻖ ﰲ ﻣﺴﺎﻛﻦ اﻟﻔﺮﺟﺎن ﻫﻮ ‪ 1,685,746‬درﻫﻢ‪ .‬وﺗﱰاوح‬ ‫اﻷﺳﻌﺎر ﺑني ‪ 900,000‬درﻫﻢ ﻟﻠﺸﻘﺔ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم و اﺣﺪة و‬ ‫‪ 2,500,000‬درﻫﻢ ﻟﻠﺸﻘﺔ اﳌﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم‪.‬‬

‫اﳌﺼﺪر‪Propertyfinder.ae :‬‬

‫اﳌﺼﺪر‪Propertyfinder.ae :‬‬

‫‪Properties by bed rooms‬‬

‫‪Property types‬‬

‫‪Rent Price‬‬ ‫‪Villa‬‬ ‫‪Avg. price: AED 248,973‬‬ ‫‪Price range: AED 145,000 - AED 360,000‬‬ ‫‪Apartment‬‬ ‫‪Avg. price: AED 103,583‬‬ ‫‪Price range - AED 50,000 - AED 170,000‬‬ ‫‪t CFE‬‬

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‫‪Properties by bed rooms‬‬

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‫‪Property types‬‬

‫‪Sale Price‬‬ ‫‪Villa‬‬ ‫‪Avg. price: AED 4,427,238‬‬ ‫‪Price range - AED 2,300,000‬‬ ‫‪Apartment‬‬ ‫‪Avg. price: AED 1,685,746‬‬ ‫‪Price range - AED 900,000 - AED 2,500,000‬‬ ‫‪t CFE‬‬

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‫ﻫﻨﺎك ﺛﻼﺛﺔ أﻧﻮاع ﻣﻦ اﻟﻔﻠﻞ وﻣﻨﺎزل اﻟﻔﺮﺟﺎن ‪ -‬ﻗﺮﻃﺎج‪ ،‬ديب واﻟﺤﺠﺎز‪.‬‬ ‫وﺗﱰاوح أﺣﺠﺎم اﻟﻔﻠﻞ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم وﺧﻤﺴﺔ وﺳﺘﺔ ﻏﺮف ﻧﻮم‪.‬‬ ‫وﻫﻨﺎك أﻳﻀﺎ ﻧﻮﻋني ﻣﻦ اﳌﻨﺎزل ذات اﻟﴩﻓﺔ وﺛﻼﺛﺔ ﻏﺮف ﻧﻮم‪ .‬وﺗﻨﺘﴩ‬ ‫اﻟﻔﻴﻼت ﻋﲆ ﻣﺪى أرﺑﻊ ﻗﺮى ‪ -‬اﻟﺸامل‪ ،‬اﻟﺠﻨﻮب‪ ،‬اﻟﴩق واﻟﻐﺮب –‬ ‫وﻟﻜﻞ ﻗﺮﻳﺔ ﻣﻴﺰات ﺗﺼﻤﻴﻢ ﻓﺮﻳﺪة ﻣﻦ ﻧﻮﻋﻬﺎ‪.‬‬ ‫ﻓﻴﻼت ﻗﺮﻃﺎج ﺗﺘﻤﻴﺰ ﺑﺎﻟﻌﻨﺎﴏ اﻹﺳﻼﻣﻴﺔ وﺗﺼﻤﻴﻢ اﻟﺒﺤﺮ اﻷﺑﻴﺾ‬ ‫اﳌﺘﻮﺳﻂ واﻟﺸﻌﻮر اﻹﻧﺘﻘﺎيئ اﻟﻌﺎم ﳌﻨﻄﻘﺔ ﺷامل أﻓﺮﻳﻘﻴﺎ ﻣﻊ اﺳﺘﺨﺪام‬ ‫اﻷﻟﻮان واﻷﻧﺴﺠﺔ‪ .‬اﻟﺘﺼﻤﻴﻢ اﳌﻘﻮس ﻟﻔﻴﻼت ﻗﺮﻃﺎج ﻋﲆ اﻟﻨﻘﻴﺾ متﺎﻣﺎ‬ ‫ﻣﻦ ﺧﻄﻴﺔ ﻓﻴﻼت ديب‪.‬‬ ‫ﺗﺘﻤﻴﺰ ﻓﻴﻼت ديب ﺑﻌﻨﺎﴏ اﻟﻄﺮاز اﳌﻌامري اﳌﺤﲇ‪ ،‬اﻟﺬي ﻳﺘﻀﻤﻦ‬ ‫اﻟﺘﺼﻤﻴﻢ اﻟﺬي ﻳﻼﺋﻢ ﻣﻨﺎخ اﳌﻨﻄﻘﺔ‪ .‬اﻟﺴﻄﺢ اﻟﺨﺎرﺟﻲ ﻟﻠﻔﻴﻼ ﻳﺘﻤﻴﺰ‬ ‫ﺑﺄﺑﺮاج اﻟﺮﻳﺎح‪ ،‬اﻟﺘﻲ ﻫﻲ ﺟﺰء ﻣﺘﻤﻴﺰ ﻣﻦ اﻟﻬﻨﺪﺳﺔ اﳌﻌامرﻳﺔ اﻟﺘﻘﻠﻴﺪﻳﺔ‬ ‫ﰲ ديب‪ ،‬ﰲ ﺣني أن اﻟﺘﺼﻤﻴﻢ اﻟﺪاﺧﲇ ﻳﺘﺒﻊ اﻟﻄﺮاز اﻟﺤﺪﻳﺚ‪.‬‬ ‫ﻓﻴﻼت اﻟﺤﺠﺎز ﺗﺘﻤﻴﺰ ﺑﺎﻟﻄﺎﺑﻊ اﳌﻐﺎريب‪ ،‬ﻣﻊ أﻟﻮان ﺗﺮاﺑﻴﺔ ﺗﻜﻤﻠﻬﺎ‬ ‫اﻟﺘﻔﺎﺻﻴﻞ ﺑﺎﻟﻠﻮﻧني اﻷﺑﻴﺾ واﻷﺻﻔﺮ‪ .‬وﻫﻨﺎك ﺳﻤﺔ ﻣﻠﺤﻮﻇﺔ ﰲ ﻫﺬه‬ ‫اﳌﻨﺎزل وﻫﻲ اﳌﴩﺑﻴﺎت أو اﻟﴩﻓﺎت اﳌﻨﺤﻮﺗﺔ ﺑﺸﻜﻞ ﻣﻌﻘﺪ ﻣﻊ‬ ‫اﻷﻗﻮاس اﳌﻨﻤﻨﻤﺔ واﻟﻠﻮﺣﺎت اﻟﺰﺧﺮﻓﻴﺔ‪.‬‬

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‫ﻣﺠﻤﻊ اﳌﺴﺎﻛﻦ ﺑﻪ ‪ 335‬ﺷﻘﺔ ﻳﺘﻢ ﺑﻨﺎؤﻫﺎ ﻋﲆ اﻟﻄﺮاز اﳌﻌامري‬ ‫اﻹﻗﻠﻴﻤﻲ ﻣﻊ اﳌﴩﺑﻴﺎت أو اﻟﻨﻮاﻓﺬ اﻟﺸﻌﺮﻳﺔ ﻹﺑﺮاز اﻟﺘﺼﻤﻴﻢ‪ .‬ﻳﺘﻜﻮن‬ ‫اﳌﴩوع ﻣﻦ ‪ 7‬ﻫﻴﺎﻛﻞ ﻣﺘﻮﺳﻄﺔ اﻻرﺗﻔﺎع )ﻃﺎﺑﻖ أرﴈ ‪ 3 +‬ﻃﻮاﺑﻖ‪،‬‬ ‫ﻃﺎﺑﻖ أرﴈ ‪ 4 +‬ﻃﻮاﺑﻖ وﻃﺎﺑﻖ أرﴈ ‪ +‬ﺧﻤﺴﺔ ﻃﻮاﺑﻖ( ﺑﻬﺎ ﻣﺰﻳﺞ ﻣﻦ‬ ‫اﻟﺸﻘﻖ ذات ﻏﺮﻓﺔ اﻟﻨﻮم اﻟﻮاﺣﺪة‪ ،‬ﺷﻘﻖ ذات ﻏﺮﻓﺘﻲ ﻧﻮم وﺷﻘﻖ ذات‬ ‫ﺛﻼث ﻏﺮف ﻧﻮم‪ .‬ﻣﻮﻗﻒ اﻟﺴﻴﺎرات ميﺘﺪ ﻋﲆ ﻣﺴﺎﺣﺎت ﻣﺤﻔﻮﻇﺔ ﰲ‬ ‫ﻃﻮاﺑﻖ ﺗﺤﺖ اﻷرض وﻛﺬﻟﻚ اﻟﻄﺎﺑﻖ اﻷرﴈ‪.‬‬ ‫ﻳﺘﻢ ﺑﻨﺎء اﻟﺸﻘﻖ ﻟﺘﻄﻞ ﻋﲆ ﺳﺎﺣﺔ ﺧﴬاء داﺧﻠﻴﺔ ﺗﺸﻤﻞ ﻣﻨﺎﻃﻖ‬ ‫اﻟﻠﻌﺐ وأﻣﺎﻛﻦ اﻟﺸﻮاء‪ .‬وﺳﺎﺋﻞ اﻟﺮاﺣﺔ اﻷﺧﺮى ﰲ اﳌﺠﻤﻊ ﺗﺸﻤﻞ ﺣﻮض‬ ‫ﺳﺒﺎﺣﺔ ﻛﺒري ﻣﻊ ﻣﻨﺎﻃﻖ ﻣﻐﻠﻘﺔ‪ ،‬اﻟﻨﺎدي‪ ،‬ﺻﺎﻟﺔ ﻟﻸﻟﻌﺎب اﻟﺮﻳﺎﺿﻴﺔ‪،‬‬ ‫ﻣﻨﻄﻘﺔ اﻟﻄﻌﺎم ﻣﻨﻄﻘﺔ ﻟﻠﺤﻴﺎة اﻹﺟﺘامﻋﻴﺔ‪ .‬وﻫﻨﺎك ﺳﻮﺑﺮ ﻣﺎرﻛﺖ ﻛﺠﺰء‬ ‫ﻣﻦ اﻟﺨﻄﻂ اﳌﺴﺘﻘﺒﻠﻴﺔ‪.‬‬

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‫اﻟﻔﺮﺟﺎن‪ ،‬وﻫﻮ ﻣﴩوع ﻟﴩﻛﺔ اﻟﻨﺨﻴﻞ‪ ،‬وﻳﻘﻊ ﺑﺎﻟﻘﺮب ﻣﻦ ﺟﺒﻞ ﻋﲇ‪.‬‬ ‫ﻳﻘﺴﻢ اﳌﴩوع إﱃ أرﺑﻊ ﻗﺮى ‪ -‬اﻟﺸامل‪ ،‬اﻟﺠﻨﻮب‪ ،‬اﻟﴩق واﻟﻐﺮب‪.‬‬ ‫اﻟﻘﺮى اﻷرﺑﻊ ﺗﺘﺸﺎرك ﰲ ﺗﺼﺎﻣﻴﻢ اﻟﺸﻮارع ﻓﻴام ﺑﻴﻨﻬﺎ و ﺗﺮﺑﻄﻬﺎ ﺷﺒﻜﺔ‬ ‫ﻣﻦ اﳌﻤﺮات اﻟﺘﻲ ﺗﺴﻤﺢ ﻟﻠﺴﻜﺎن ﻟﻠﻮﺻﻮل إﱃ وﺳﺎﺋﻞ اﻟﺮاﺣﺔ ﺑﺎﻟﺘﺠﻤﻊ‬ ‫اﻟﺴﻜﻨﻲ‪ .‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن ﻟﻜﻞ ﻗﺮﻳﺔ ﺧﺼﺎﺋﺼﻬﺎ اﳌﺘﻤﻴﺰة اﻟﺘﻲ متﻴﺰﻫﺎ‬ ‫ﻋﻦ ﻏريﻫﺎ‪ ،‬إﻻ أن اﻟﺘﺼﺎﻣﻴﻢ ﺗﻜﻤﻞ ﺑﻌﻀﻬﺎ اﻟﺒﻌﺾ ﻟﺘﻮﻓري ﺗﻨﻤﻴﺔ ﻣﺘﻮازﻧﺔ‬ ‫وﺟﺬاﺑﺔ ﻣﻦ اﻟﻨﺎﺣﻴﺔ اﻟﺠامﻟﻴﺔ‪.‬‬

‫وﺗﺸﻤﻞ اﻟﺨﻄﺔ اﻟﺮﺋﻴﺴﻴﺔ ﻟﺘﻄﻮﻳﺮ ﻣﺠﻤﻮﻋﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻦ وﺳﺎﺋﻞ اﻟﺮاﺣﺔ‬ ‫واﻟﱰﻓﻴﻪ ﻟﻠﻌﺎﺋﻼت‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻟﺤﺪاﺋﻖ اﻟﻌﺎﻣﺔ ﻟﻠﺮﻳﺎﺿﺔ‪ ،‬اﻟﱰﻓﻴﻪ‬ ‫واﻟﻨﺰﻫﺎت‪ .‬ﻋﲆ اﻟﺠﺎﻧﺐ اﻷﺧﺮ ﻣﻦ اﻟﻄﺮﻳﻖ‪ ،‬ﰲ ﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ‪ ،‬ميﻜﻦ‬ ‫ﻟﻠﻤﻘﻴﻤني اﻟﻮﺻﻮل إﱃ أﻛرث ﻣﻦ ‪ 250‬ﻣﻦ اﳌﺤﻼت اﻟﺘﺠﺎرﻳﺔ‪ ،‬ﻣﺠﻤﻊ‬ ‫اﻟﺴﻴﻨامت ‪ -21‬ﺷﺎﺷﺔ‪ ،‬ﺳﻴﻨام ‪ ،IMAX‬ﺳﻮﺑﺮ ﻣﺎرﻛﺖ ﻋﻤﻼق وأﻛرث ﻣﻦ‬ ‫‪ 30‬ﻣﻦ اﳌﻄﺎﻋﻢ اﻟﻌﺎﳌﻴﺔ‪ .‬وﺳﻮف ﺗﺸﻤﻞ اﳌﺸﺎرﻳﻊ اﻻﺧﺮى ﻣﺘﻌﺪدة‬ ‫اﻻﺳﺘﺨﺪاﻣﺎت ﰲ اﻟﺘﺠﻤﻊ ﻓﻨﺪق وﺳﺒﺎ ﺟﺮاﻧﺪ ﻓﻮرت‪.‬‬

‫وﻓﻘﺎ ﻟﻠﺨﻄﺔ اﻟﺮﺋﻴﺴﻴﺔ‪ ،‬مبﺠﺮد اﻻﻧﺘﻬﺎء ﻣﻦ ﻫﺬا اﳌﴩوع‪ ،‬ﺳﻮف ﻳﺤﺘﻮي‬ ‫اﳌﴩوع ﻋﲆ ‪ 4,000‬وﺣﺪة ﺳﻜﻨﻴﺔ ﻣﻦ اﳌﻨﺎزل‪ ،‬اﻟﺸﻘﻖ‪ ،‬اﻟﻔﻨﺎدق‪،‬‬ ‫اﳌﺤﻼت اﻟﺘﺠﺎرﻳﺔ وﻗﻄﻊ اﻷراﴈ ﻣﺘﻌﺪدة اﻻﺳﺘﺨﺪاﻣﺎت‪ .‬ﻣﻨﻬﺎ ‪860‬‬ ‫وﺣﺪة ﺗﻨﺘﻤﻲ إﱃ ﻣﺠﻤﻊ اﻟﻔﺮﺟﺎن اﻟﺴﻜﻨﻲ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﻣﺴﺎﻛﻦ‬ ‫اﻟﻔﺮﺟﺎن‪ ،‬اﻟﺘﻲ ﺳﻮف ﺗﻀﻢ ‪ 335‬ﺷﻘﺔ ﺗﻘﻊ ﰲ اﻟﻘﺮﻳﺔ اﻟﺠﻨﻮﺑﻴﺔ‪.‬‬ ‫اﻟﻮﺣﺪات اﳌﺘﺒﻘﻴﺔ ﻫﻲ ﻓﻠﻞ ﻓﺴﻴﺤﺔ ﺑﻬﺎ ﺛﻼﺛﺔ‪ ،‬أرﺑﻌﺔ‪ ،‬ﺧﻤﺴﺔ وﺳﺘﺔ‬ ‫ﻏﺮف ﻧﻮم وﺗﻌﺮف ﺑﻐﺴﻢ ﻓﻠﻞ اﻟﻔﺮﺟﺎن‪.‬‬

‫اﳌﴩوع ﺑﺄﻛﻤﻠﻪ‪ ،‬واﻟﺬي ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺒﻠﻎ ﺗﻜﻠﻔﺘﻪ ‪ 1.5‬ﻣﻠﻴﺎر دوﻻر‬ ‫أﻣﺮﻳيك‪ ،‬ﻳﻘﻊ ﻋﲆ ﻣﺴﺎﺣﺔ ‪ 5.6‬ﻣﻠﻴﻮن ﻣﱰ ﻣﺮﺑﻊ ﻗﺒﺎﻟﺔ ﺷﺎرع ﻣﺤﻤﺪ ﺑﻦ‬ ‫زاﻳﺪ ﻋﲆ اﻟﻄﺮف اﻟﺠﻨﻮيب ﻣﻦ ديب اﻟﺠﺪﻳﺪة‪ ،‬ﺑﺎﻟﻘﺮب ﻣﻦ ﻣﻮل اﺑﻦ‬ ‫ﺑﻄﻮﻃﺔ ودﻳﺴﻜﻔﺮي ﺟﺎردﻧﺰ‪ .‬ﻣﻊ ﺳﻬﻮﻟﺔ اﻟﻮﺻﻮل إﱃ اﻟﻄﺮق اﻟﺮﺋﻴﺴﻴﺔ‪،‬‬ ‫ﻛام ميﻜﻦ اﻟﻮﺻﻮل إﱃ ﻣﺎرﻳﻨﺎ ديب واﻟﺤﻲ اﳌﺮﻛﺰي ﰲ ﻏﻀﻮن ﻓﱰة زﻣﻨﻴﺔ‬ ‫ﻗﺼرية‪.‬‬

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‫ل ﻣﻨﻈﻤﺔ اﻟﺘﻌﺎون واﻟﺘﻨﻤﻴﺔ(‪ .‬وﻗﺎل اﳌﻨﺼﻮري أﻳﻀﺎ أﻧﻪ ﰲ ﺣني أن اﻟﺒﻠﺪ‬ ‫ﻗﺪ ﻋﻤﻠﺖ ﺑﺠﺪ ﻟﱰﺳﻴﺦ ﻧﻔﺴﻬﺎ ﺑﺎﻋﺘﺒﺎرﻫﺎ واﺣﺪة ﻣﻦ اﳌﺮاﻛﺰ اﻟﺮﺋﻴﺴﻴﺔ‬ ‫ﻟﻠﺘﺠﺎرة اﻟﺪوﻟﻴﺔ‪ ،‬وﺗﺒﺬل اﳌﺰﻳﺪ ﻣﻦ اﻻﺳﺘﺜامرات ﻣﻦ ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ‬ ‫ﻟﺘﻌﺰﻳﺰ ﻗﺪرات اﻟﺒﻼد ﻋﲆ اﻻﺑﺘﻜﺎر ﻟﻨﻨﺘﻘﻞ إﱃ اﳌﺮﺣﻠﺔ اﻟﺘﺎﻟﻴﺔ ﻣﻦ‬ ‫ﺗﻄﻮﻳﺮ وﺗﻌﺰﻳﺰ اﻻﻗﺘﺼﺎد‪ .‬وﻗﻌﺖ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‬ ‫ﺑﺎﻟﻔﻌﻞ ﻋﲆ ﺻﻔﻘﺎت اﻻﺑﺘﻜﺎر ﻟﻬﺬا اﻟﻐﺮض ﻣﻊ ﻛﻮرﻳﺎ اﻟﺠﻨﻮﺑﻴﺔ وﻛﻨﺪا‬ ‫وإﻳﻄﺎﻟﻴﺎ‪ .‬وﺟﺎري اﻟﺘﺤﻀري ﻻﺗﻔﺎق ﻣامﺛﻞ ﻣﻊ اﻟﺴﻮﻳﺪ‪ .‬وﺳﻮف ﺗﺆدي‬ ‫ﻫﺬه اﻻﺗﻔﺎﻗﺎت إﱃ اﻻﺑﺘﻜﺎرات اﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺴﻬﻢ ﰲ ﺣﻮاﱄ ‪ 5‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﺑﺤﻠﻮل ﻋﺎم ‪.2021‬‬ ‫اﳌﺼﺪر‪ :‬أﺧﺒﺎر اﻟﺨﻠﻴﺞ‬

‫ميﻜﻦ ﻟﻠﺪول اﻵﺳﻴﻮﻳﺔ‪ ،‬واﻟﺘﻲ ﺗﺤﺘﻞ اﳌﺮاﻛﺰ اﻟﺮﺋﻴﺴﻴﺔ اﻟﺤﺎﻟﻴﺔ ﻟﻼﻗﺘﺼﺎد‬ ‫اﻹﺳﻼﻣﻲ‪ ،‬أن ﺗﺮى ﻣﻨﺎﻓﺴﺔ ﺧﻄرية ﻣﻦ ديب ﰲ اﳌﺮﺣﻠﺔ اﳌﻘﺒﻠﺔ ﰲ ﺗﻄﻮر‬ ‫اﻟﻘﻄﺎﻋﺎت اﻟﺘﻲ ﺗﺘﻄﻠﺐ اﻟﺘﻮاﻓﻖ ﻣﻊ اﻟﴩﻳﻌﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻟﺘﻤﻮﻳﻞ‪،‬‬ ‫اﻟﺘﺄﻣني‪ ،‬اﻷﻏﺬﻳﺔ اﻟﺤﻼل‪ ،‬منﻂ اﻟﺤﻴﺎة‪ ،‬اﻟﺴﻔﺮ‪ ،‬ﻣﻦ ﺑني أﻣﻮر أﺧﺮى‪.‬‬ ‫وﻛﺎﻧﺖ ﻫﺬه اﻟﻨﺘﺎﺋﺞ ﺟﺰء ﻣﻦ اﻟﺘﻘﺮﻳﺮ اﻷول ﻋﻦ ﺣﺎﻟﺔ اﻻﻗﺘﺼﺎد‬

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‫اﻹﺳﻼﻣﻲ اﻟﻌﺎﳌﻲ ﻋﻦ ﻃﺮﻳﻖ ﺗﻮﻣﺴﻮن روﻳﱰز‪ ،‬واﻟﺬي ﺻﺪر ﰲ ﻧﻮﻓﻤﱪ‬ ‫ﺗﴩﻳﻦ اﻟﺜﺎين ‪.2013‬‬ ‫وﻓﻘﺎ ﻟﻠﺘﻘﺮﻳﺮ‪ ،‬ﻓﺈن ﻣﺎﻟﻴﺰﻳﺎ‪ ،‬واﻟﺘﻲ ﻛﺎﻧﺖ‪ ،‬ﺣﺘﻰ اﻵن‪ ،‬أﻗﻮى اﻗﺘﺼﺎد‬ ‫إﺳﻼﻣﻲ ﻣﻦ ﺟﻤﻴﻊ اﻟﻨﻮاﺣﻲ‪ ،‬ﻳﺒﺪو أﻧﻬﺎ وﺻﻠﺖ إﱃ اﻟﻬﻀﺒﺔ‪ ،‬و ديب‪،‬‬ ‫واﻟﺘﻲ ﺗﻌﻤﻞ ﻋﲆ ﺗﺤﻘﻴﻖ اﻟﻬﺪف اﳌﺘﻤﺜﻞ ﰲ أن ﺗﺼﺒﺢ ﻣﺮﻛﺰ اﻻﻗﺘﺼﺎد‬ ‫اﻹﺳﻼﻣﻲ اﻟﻌﺎﳌﻲ‪ ،‬ﻟﺪﻳﻬﺎ أﻋﲆ اﻹﺣﺘامﻻت‪ .‬اﳌﺮاﻛﺰ اﻹﺳﻼﻣﻴﺔ اﻟﺮﺋﻴﺴﻴﺔ‬ ‫اﻷﺧﺮى ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل ﺗﺸﻤﻞ اﻧﺪوﻧﻴﺴﻴﺎ‪ ،‬اﻟﺴﻌﻮدﻳﺔ وﺗﺮﻛﻴﺎ‪.‬‬ ‫اﻟﻔﺮص اﻟﻌﺎﳌﻴﺔ ﰲ اﻻﻗﺘﺼﺎد اﻹﺳﻼﻣﻲ ﻻ ﺗﻘﺘﴫ ﻋﲆ اﻟﺘﻤﻮﻳﻞ اﻹﺳﻼﻣﻲ‪،‬‬ ‫واﻟﺬي ﻫﻮ اﻵن اﻟﻘﻄﺎع اﻟﺮاﺳﺦ ﺟﻐﺮاﻓﻴﺎً‪ .‬وﺗﺸﻤﻞ اﻟﻘﻄﺎﻋﺎت اﳌﺤﺘﻤﻠﺔ‬ ‫ﻗﻄﺎﻋﺎت اﻟﻐﺬاء اﻟﺤﻼل ومنﻂ اﻟﺤﻴﺎة‪ ،‬ﻣﻊ اﻹﻧﻔﺎق اﻹﺳﻼﻣﻲ اﻻﺳﺘﻬﻼيك‬ ‫ﰲ ﻋﺎم ‪ 2012‬اﻟﺬي ﻗﺪر ﺑﺤﻮاﱄ ‪ 1.62‬ﺗﺮﻳﻠﻴﻮن دوﻻر وﺗﺸري اﻟﺘﻮﻗﻌﺎت‬ ‫إﱃ إﻣﻜﺎﻧﻴﺔ منﻮه ﻟﻴﺼﻞ إﱃ ‪ 2.47‬ﺗﺮﻳﻠﻴﻮن دوﻻر ﺑﺤﻠﻮل ﻋﺎم ‪.2018‬‬ ‫ﻗﻄﺎﻋﺎت أﺧﺮى ﻣﺜﻞ اﳌﻼﺑﺲ‪ ،‬ﻣﺴﺘﺤﴬات اﻟﺘﺠﻤﻴﻞ‪ ،‬اﳌﺴﺘﺤﴬات‬ ‫اﻟﺼﻴﺪﻻﻧﻴﺔ واﻟﱰﻓﻴﻪ ﺗﻌﺪ أﻳﻀﺎ ﻣﻦ اﻟﻘﻄﺎﻋﺎت اﻟﺮﺋﻴﺴﻴﺔ ﻟﻼﻗﺘﺼﺎد‬ ‫اﻹﺳﻼﻣﻲ‪.‬‬

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‫‪4.5‬‬ ‫ﰲ ‪ 19‬ﻧﻮﻓﻤﱪ‪ ،‬ارﺗﻔﻌﺖ ﻣﺆﴍات اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻋﲆ اﻟﺮﻏﻢ‬ ‫ﻣﻦ اﻻﻧﺨﻔﺎض ﰲ ﻏﺎﻟﺒﻴﺔ اﻷﺳﻬﻢ ﰲ ﻛﻞ ﻣﻦ ديب وأﺑﻮﻇﺒﻲ ﻛام اﺳﺘﻤﺮ‬ ‫ﺗﻘﻠﺐ اﻷﺳﻮاق‪ .‬أﻏﻠﻖ اﳌﺆﴍ اﻟﻌﺎم ﻟﺴﻮق ديب اﳌﺎﱄ ﻋﻨﺪ ‪،2888.24‬‬ ‫ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 1.14‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﻛﺎﻧﺖ أﺳﻬﻢ ﴍﻛﺔ إﻋامر اﻟﻌﻘﺎرﻳﺔ اﻷﻛرث‬ ‫ﺗﺪاوﻻً‪ .‬ﺑﻠﻎ ﺣﺠﻢ اﻟﺘﺪاول اﻹﺟامﱄ ﻟﻠﻴﻮم ﰲ ﺳﻮق ديب اﳌﺎﱄ ‪424.71‬‬ ‫ﻣﻠﻴﻮن ﺳﻬﻢ ﺑﻘﻴﻤﺔ ‪ 570.16‬درﻫﻢ إﻣﺎرايت‪ .‬ﻣﻦ ﺑني اﻷﺳﻬﻢ اﳌﺘﺪاوﻟﺔ ﰲ‬ ‫اﻟﺒﻮرﺻﺔ ‪ ،31‬إرﺗﻔﻊ ‪ 14‬ﺑﻴﻨام ﺗﺮاﺟﻊ ‪ 13‬ﺳﻬامً وﺑﻘﻴﺖ أرﺑﻌﺔ ﻋﲆ‬ ‫ﺣﺎﻟﻬﺎ‪.‬‬

‫ﻣﺘﺤﺪﺛﺎً اﱃ اﻟﺼﺤﺎﻓﺔ ﻗﺒﻞ ﻗﻤﺔ ﻣﺠﺎﻟﺲ اﻷﺟﻨﺪة اﻟﻌﺎﳌﻴﺔ‪ ،‬اﻟﺘﻲ ﻋﻘﺪت‬ ‫ﰲ أﺑﻮ ﻇﺒﻲ ﻣﻦ ‪ 18-20‬ﻧﻮﻓﻤﱪ‪ ،‬أﻋﻠﻦ ﺳﻠﻄﺎن ﺑﻦ ﺳﻌﻴﺪ اﳌﻨﺼﻮري‪،‬‬ ‫وزﻳﺮ اﻻﻗﺘﺼﺎد أﻧﻪ ﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺰﻳﺪ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﻟﻠﺒﻼد‬ ‫ﺑﻨﺴﺒﺔ ‪ 4‬إﱃ ‪ 4.5‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪ .2013‬وأﻛﺪ أن اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﳌﺘﺤﺪة ﻻ ﺗﺰال ﻣﻠﺘﺰﻣﺔ ﺑﺎﻻﺳﱰاﺗﻴﺠﻴﺎت اﻻﻗﺘﺼﺎدﻳﺔ اﻟﺠﺎرﻳﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫اﻟﺘﻄﻮﻳﺮ واﻟﺘﻨﻮﻳﻊ‪ ،‬اﻟﺬي ﻳﺘامﳽ ﻣﻊ رؤﻳﺔ ‪ 2021‬اﻟﺘﻲ ﺗﻬﺪف إﱃ ﺟﻌﻞ‬ ‫دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻣﻦ ﺑني أﻓﻀﻞ دول اﻟﻌﺎمل ﺑﺤﻠﻮل ﻋﺎم‬ ‫‪.2021‬‬ ‫وﻗﺎل اﳌﻨﺼﻮري أﻳﻀﺎ أن اﻟﺘﻨﺒﺆات ﻣﻦ ﻗﺒﻞ ﺻﻨﺪوق اﻟﻨﻘﺪ اﻟﺪوﱄ‬ ‫ﺑﺈﻧﺨﻔﺎض أﺳﻌﺎر اﻟﻨﻔﻂ اﻟﻌﺎم اﳌﻘﺒﻞ ﻟﻦ ﻳﺆﺛﺮ ﻋﲆ اﻟﻨﻤﻮ ﰲ اﻟﺒﻼد‪،‬‬ ‫وﺳﻮف ﻳﺴﺘﻤﺮ اﻻﻗﺘﺼﺎد ﰲ اﻟﻨﻤﻮ و ﻳﺼﺒﺢ أﻗﻮى ﺣﻴﺚ أن ﻗﻄﺎع اﻟﻨﻔﻂ‬ ‫ﻳﺴﺎﻫﻢ ﻓﻘﻂ ﺑﺤﻮاﱄ ‪ 30‬إﱃ ‪ 33‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ‬ ‫ﻟﻠﺒﻼد‪ .‬ﰲ اﻟﻮاﻗﻊ‪ ،‬ﺳﻴﺘﻢ ﺧﻔﺾ ﺣﺼﺘﻪ اﱃ ‪ 10‬ﰲ اﳌﺎﺋﺔ ﰲ اﳌﺴﺘﻘﺒﻞ‪ .‬ﻛام‬ ‫أﻛﺪ وزﻳﺮ اﻻﻗﺘﺼﺎد اﻹﻣﺎرايت أﻧﻪ ﻟﻦ ﻳﻜﻮن ﻫﻨﺎك أي ﺗﺨﻔﻴﻀﺎت ﰲ‬ ‫ﻣﺸﺎرﻳﻊ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ‪.‬‬

‫ﻛام ارﺗﻔﻊ ﻣﺆﴍ أﺑﻮﻇﺒﻲ ﻟﻸوراق اﳌﺎﻟﻴﺔ اﻟﻌﺎﻣﺔ ﰲ أﺑﻮﻇﺒﻲ إرﺗﻔﺎﻋﺎً‬ ‫ﻣﻌﺘﺪﻻً ﺑﻨﺴﺒﺔ ‪ 0.41‬ﰲ اﳌﺎﺋﺔ ﻟﻴﺼﻞ إﱃ ‪ 3839.45‬وإﻧﺨﻔﺾ ‪ 16‬ﺳﻬامً‬ ‫ﻣﻦ اﻷﺳﻬﻢ ‪ 32‬اﳌﺘﺪاوﻟﺔ ﰲ اﻟﺒﻮرﺻﺔ‪ ،‬ﺑﻴﻨام ارﺗﻔﻊ ‪ 12‬و ﺑﻘﻴﺖ ‪ 4‬دون‬ ‫ﺗﻐري‪ .‬ﺷﻬﺪ اﻟﺒﻨﻚ اﻟﻌﺮيب اﳌﺘﺤﺪ أﻛﱪ زﻳﺎدة ﺑﻨﺴﺒﺔ ‪ 14.62‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻟﻴﻐﻠﻖ ﻋﻨﺪ ‪ 7.45‬درﻫﻢ إﻣﺎرايت‪ .‬وﺷﻤﻠﺖ اﻷﺳﻬﻢ اﻟﻨﺸﻄﺔ اﻷﺧﺮى اﻟﺘﻲ‬ ‫ﺳﺠﻠﺖ ﻣﻜﺎﺳﺐ ﺳﻬﻢ ﺑﻠﺪﻛﻮ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 13.98‬ﰲ اﳌﺎﺋﺔ ﻟﻴﻐﻠﻖ‬ ‫ﻋﻨﺪ ‪ 1.06‬درﻫﻢ إﻣﺎرايت( واﺗﺼﺎﻻت )ﻛﺴﺐ ‪ 0.43‬ﰲ اﳌﺎﺋﺔ ﻟﻴﺼﻞ إﱃ‬ ‫‪ 11.60‬درﻫﻢ إﻣﺎرايت(‪.‬‬ ‫اﳌﺼﺪر‪ :‬أﺧﺒﺎر اﻟﺨﻠﻴﺞ‬

‫ﻛﺎﻧﺖ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺗﺤﺘﻞ اﳌﺮﺗﺒﺔ ‪ 30‬ﰲ أﻛﱪ‬ ‫اﻹﻗﺘﺼﺎدات ﺧﻼل اﻟﻌﺎم اﻟﺤﺎﱄ‪ .‬ﻋﻼوة ﻋﲆ ذﻟﻚ‪ ،‬ﻣﻊ ﺑﻠﻮغ اﻻﺳﺘﺜامرات‬ ‫اﻷﺟﻨﺒﻴﺔ اﳌﺒﺎﴍة )‪ (FDI‬إﱃ ‪ 35‬ﻣﻠﻴﺎر درﻫﻢ إﻣﺎرايت اﻟﻌﺎم اﳌﺎﴈ ﻻ‬ ‫ﺗﺰال واﺣﺪة ﻣﻦ اﻻﻗﺘﺼﺎدات اﻟﺮاﺋﺪة ﰲ ﻣﺠﺎل اﻻﺳﺘﺜامرات اﳌﺴﺘﺪاﻣﺔ‪.‬‬ ‫ﻛام ﺗﺤﺘﻞ اﳌﺮﺗﺒﺔ اﻟﺮاﺑﻌﺔ ﰲ ﻗﺎمئﺔ اﻟﺪول اﻟﺘﻲ متﺘﻠﻚ أﻓﻀﻞ اﻟﺒﻨﻰ‬ ‫اﻟﺘﺤﺘﻴﺔ ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ ،‬إﺿﺎﻓﺔ إﱃ ﻛﻮﻧﻬﺎ رﻗﻢ ‪ 14‬ﰲ ﻗﺎمئﺔ اﻟﺪول‬ ‫اﻷﺳﻌﺪ ﰲ اﻟﻌﺎمل و ‪ 16‬ﰲ ﻗﺎمئﺔ أﻛﱪ اﻟﺪول اﳌﺎﻧﺤﺔ ﻟﻠﻤﺴﺎﻋﺪات )وﻓﻘﺎ‬

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‫وﻓﻘﺎ ﻟﺴﺘﺎﻧﺪرد آﻧﺪ ﺑﻮرز‪ ،‬ﰲ ﺣني أن ﻗﻮاﻧني اﻟﺮﻫﻦ اﻟﻌﻘﺎري اﻟﺘﻲ ﻗﺪ‬ ‫أﻋﻠﻨﺖ ﻣﺆﺧﺮا ﺳﻮف ﺗﺰﻳﺪ ﻋﲆ اﳌﺪى اﻟﻄﻮﻳﻞ ﻣﻦ ﳌﺤﺎت ﻣﺨﺎﻃﺮ‬ ‫اﻻﺋﺘامن ﻣﻦ اﻟﺒﻨﻮك و اﳌﻄﻮرﻳﻦ اﻟﻌﻘﺎرﻳني ﰲ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﳌﺘﺤﺪة‪ ،‬ﻓﺈﻧﻬﺎ ﻟﻦ ﺗﻜﻮن ذات ﺗﺄﺛري ﻣﺒﺎﴍ ﻋﲆ ﺗﺼﻨﻴﻔﺎت اﻻﺋﺘامن‬ ‫اﻟﺨﺎﺻﺔ ﺑﻬﻢ‪ .‬ﻣﻦ ﺧﻼل إﺟﺒﺎر اﻟﺒﻨﻮك ﻋﲆ اﻟﺘﺤﺮك ﻧﺤﻮ اﳌﺰﻳﺪ ﻣﻦ‬ ‫اﻹﻗﺮاض اﳌﺘﺤﻔﻆ ﻟﴩاء اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‪ ،‬ﻓﺈن اﻟﻠﻮاﺋﺢ اﻟﺠﺪﻳﺪة‬ ‫ﺳﻮف ﺗﻔﻴﺪ ﺗﻘﻴﻴامت اﻻﺋﺘامن اﻟﺨﺎﺻﺔ ﺑﻬﺎ ﻋﲆ اﳌﺪى اﻟﻄﻮﻳﻞ‪.‬‬ ‫ﺑﺪءا ً ﻣﻦ ‪ 28‬أﻛﺘﻮﺑﺮ ‪ ،2013‬ﻗﺪم اﻟﺒﻨﻚ اﳌﺮﻛﺰي ﺳﻘﻔﺎ ﻟﻠﻘﺮوض اﻟﻌﻘﺎرﻳﺔ‬ ‫ﺑني ‪ 60‬و ‪ 80‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ .‬ﻋﲆ اﻟﻌﻘﺎرات ﰲ ﻣﺮﺣﻠﺔ ﻣﺎ‬ ‫ﻗﺒﻞ اﻟﺒﻨﺎء‪ ،‬و ﻳﺘﻢ ﺗﻌﻴني اﻟﺤﺪ اﻷﻗﴡ ﺑﻨﺴﺒﺔ ‪ 50‬ﰲ اﳌﺎﺋﺔ‪ .‬ﻫﺬه اﻟﺘﺪاﺑري‪،‬‬ ‫اﻟﺘﻲ اﺗﺨﺬت ﻟﺘﻬﺪﺋﺔ اﳌﺨﺎوف اﻟﺘﻲ أﺛﺎرﻫﺎ اﻟﻘﻄﺎع اﳌﴫﰲ ﰲ اﻟﺒﻼد‪،‬‬ ‫وأدﺧﻠﺖ ﻟﺘﺴﻬﻴﻞ ﺳﻴﻄﺮة أﻓﻀﻞ ﻋﲆ ﺳﻮق اﻟﻌﻘﺎرات وﻣﻨﻊ ﺗﻜﺮار‬ ‫ﺣﺎدث آﺧﺮ ﻣﺜﻞ ﻣﺎ ﺣﺪث ﰲ ﻋﺎم ‪ 2009‬واﻟﺬي ﻧﺘﺞ ﻋﻦ اﻹﻗﺮاض ﻏري‬ ‫اﳌﻨﻀﺒﻂ‪.‬‬ ‫ﻣﻦ اﳌﺮﺟﺢ أن ﺗﻌﻮد ﻫﺬه اﻟﺘﺪاﺑري ﺑﺎﻟﻨﻔﻊ ﻋﲆ اﻟﻘﻄﺎع اﻟﻌﻘﺎري ﻛﻜﻞ‪،‬‬ ‫‪www.valoran.ae‬‬

‫ﻣﻦ ﺧﻼل إﺣﺪاث إﻧﺘﻌﺎش ﺑﻄﻲء وﻣﺴﺘﺪام ﺑﺪﻻ ﻣﻦ ﻃﻔﺮة ﻗﺼرية‬ ‫اﻷﺟﻞ ﰲ ﺳﻮق اﻟﻌﻘﺎرات‪ .‬ميﻜﻦ ﻟﻠﺮﺳﻤﻠﺔ اﻟﻌﻘﺎرﻳﺔ أن ﺗﻠﻌﺐ دورا ً ﰲ‬ ‫اﻟﺤﺪ ﻣﻦ اﻟﺘﻘﻠﺒﺎت ﰲ اﻟﺴﻮق وﻣﻨﻊ ﺣﺪوث دورة أﺧﺮى ﻣﻦ اﻹزدﻫﺎر‬ ‫واﻟﻜﺴﺎد‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ S&P ،‬ﺗﻌﺘﻘﺪ أن رﺳﻤﻠﺔ اﻟﺮﻫﻦ اﻟﻌﻘﺎري ﻟﻦ ﻳﻜﻮن ﻟﻬﺎ ﺗﺄﺛري‬ ‫ﻛﺒري ﻋﲆ منﻮ اﻻﺋﺘامن اﻹﺟامﱄ ﰲ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬ﺣﻴﺚ أﻧﻪ‬ ‫ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬ﻻ متﺜﻞ اﻟﺮﻫﻮن اﻟﻌﻘﺎرﻳﺔ ﺳﻮى أﻗﻞ ﻣﻦ ‪ 10‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ إﻗﺮاض اﻟﺒﻨﻮك اﻹﻣﺎراﺗﻴﺔ‪.‬‬ ‫اﳌﺼﺪر‪ReidIn.com :‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫‪5‬‬ ‫ﻣﻊ ﺻﻌﻮد ﺳﻮق اﻟﻌﻘﺎرات ﰲ اﻹﻣﺎرة‪ ،‬أﻟﻐﺖ إﻣﺎرة أﺑﻮﻇﺒﻲ ﰲ وﻗﺖ‬ ‫ﺳﺎﺑﻖ رﺳﻢ اﻟﺮﺳﻤﻠﺔ اﻟﺴﻨﻮي اﳌﻘﺪر ﺑﺨﻤﺴﺔ ﰲ اﳌﺎﺋﺔ ﻋﲆ زﻳﺎدات‬ ‫اﻹﻳﺠﺎر‪ .‬وﻓﻘﺎ ﻟﺘﻘﺮﻳﺮ ‪ ،WAM‬اﻟﻘﺮار اﻟﺬي أﻗﺮه اﳌﺠﻠﺲ اﻟﺘﻨﻔﻴﺬي‬ ‫ﻹﻣﺎرة أﺑﻮﻇﺒﻲ أﻟﻐﻰ ﺣﺪ زﻳﺎدة أﺳﻌﺎر اﻹﻳﺠﺎر اﺑﺘﺪاء ﻣﻦ ‪ 10‬ﻧﻮﻓﻤﱪ‪.‬‬ ‫ﺑﻌﺪ ﻫﺬا اﻟﺘﻐﻴري‪ ،‬وﺳﻴﺘﻢ ﺗﺤﺪﻳﺪ اﻻﻳﺠﺎرات ﻣﻦ ﻗﺒﻞ ﻗﻮى اﻟﺴﻮق‬ ‫وﺳﻮف ﺗﻌﺘﻤﺪ اﻹﻳﺠﺎرات ﻋﲆ اﳌﻮﻗﻊ واﳌﻨﻄﻘﺔ اﻟﺘﻲ ﻳﻘﻊ ﻓﻴﻬﺎ اﳌﺒﻨﻰ‪.‬‬

‫΃ `‪ ͧ{ Hs ʓ 1/r y P gza5 ,Lse lL laM / ,‬ﻣﻄﻮر‬ ‫اﻟﻌﻘﺎرات اﻟﺮاﺋﺪ ﰲ أﺑﻮﻇﺒﻲ‪ ،‬اﻟﺪار‪ ،‬أﻋﻠﻨﺖ اﻟﺠﺪول اﻟﺰﻣﻨﻲ ﻟﺘﺴﻠﻴﻢ‬ ‫ﻏﺎﻳﺖ ﺗﺎورز‪ ،‬وﻫﻮ ﻣﴩوع ﻣﺘﻌﺪد اﻻﺳﺘﺨﺪاﻣﺎت ﻳﻘﻊ ﻋﲆ ﺟﺰﻳﺮة‬ ‫اﻟﺮﻳﻢ ﰲ ﺷﻤﺲ‪ .‬ﻳﻀﻢ اﻟﺘﻄﻮﻳﺮ اﳌﺒﺪع ‪ 3,533‬وﺣﺪة‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫اﻟﺸﻘﻖ )اﻻﺳﺘﻮدﻳﻮ‪ ،‬ﻏﺮﻓﺔ اﻟﻨﻮم اﻟﻮاﺣﺪة‪ ،‬ﻏﺮﻓﺘﻲ ﻧﻮم وﺛﻼث ﻏﺮف‬ ‫ﻧﻮم(‪ ،‬وﻛﺬﻟﻚ اﳌﻨﺎزل اﻟﺘﻲ ﺗﻄﻞ ﻋﲆ أﻓﻖ أﺑﻮﻇﺒﻲ واﻟﺨﻠﻴﺞ‪.‬‬

‫]‪Rent Price [USD/SQM‬‬

‫΃ ‪ 137 s˹ _,Me ZY% ^ /‬ﰲ اﳌﺎﺋﺔ ﰲ ﺻﺎﰲ اﻟﺮﺑﺢ‪ :‬وﻓﻘﺎ ﻟﺒﻴﺎن‬ ‫ﺻﺎدر ﻋﻦ ﴍﻛﺔ أراﺑﺘﻚ اﻟﻘﺎﺑﻀﺔ‪ ،‬اﻟﺘﻲ ﺗﻌﺪ أﻛﱪ ﴍﻛﺔ ﺑﻨﺎء ﰲ‬ ‫ﻣﻨﻄﻘﺔ اﻟﺨﻠﻴﺞ‪ ،‬ﻓﻘﺪ ﺳﺠﻠﺖ اﻟﴩﻛﺔ أرﺑﺎﺣﺎ ﺻﺎﻓﻴﺔ ﻗﺪرﻫﺎ ﻣﻠﻴﻮن‬ ‫‪ 256‬ﻣﻠﻴﻮن درﻫﻢ إﻣﺎرايت‪ ،‬ﻫﺬا اﻟﺮﻗﻢ‪ ،‬واﻟﺬي ﻳﻨﻄﺒﻖ ﻋﲆ اﻷﺷﻬﺮ‬ ‫اﻟﺘﺴﻌﺔ اﻷوﱃ ﻣﻦ ﻋﺎم ‪ ،2013‬ميﺜﻞ زﻳﺎدة ﻗﺪرﻫﺎ ‪ 137‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﺧﻼل اﻟﻔﱰة ﻧﻔﺴﻬﺎ‪ ،‬ﺑﻠﻎ ﺻﺎﰲ اﻟﺪﺧﻞ ‪ 367‬ﻣﻠﻴﻮن درﻫﻢ إﻣﺎرايت‬ ‫ وﻫﻮ منﻮ ‪ 153‬ﰲ اﳌﺎﺋﺔ‪.‬‬‫΃ <‪ ͧi 0U` ʓ Nz a` zk]4 ʐ / NEX bz)j /,‬ﰲ ‪21‬‬ ‫ﻧﻮﻓﻤﱪ‪ ،‬أﺻﺪرت ﴍﻛﺔ ﻧﺨﻴﻞ ﻗﻄﻊ أراﴈ ﺳﻜﻨﻴﺔ ﰲ إﻃﺎر متﻨﻴﺔ‬ ‫اﻟﻔﺮﺟﺎن‪ .‬ﻫﻨﺎك أﻛرث ﻣﻦ ‪ 500‬ﻗﻄﻌﺔ أرض ﺗﻐﻄﻲ ﻣﺴﺎﺣﺔ ‪4،800‬‬ ‫إﱃ ‪ 13،000‬ﻗﺪم ﻣﺮﺑﻊ وﺑﺄﺳﻌﺎر ﺗﺒﺪأ ﻣﻦ ‪ 1.1‬ﻣﻠﻴﻮن درﻫﻢ‬ ‫إﻣﺎرايت وﺗﺼﻞ إﱃ ﺣﺪ أﻗﴡ ﻗﺪره ‪ 3.3‬ﻣﻠﻴﻮن درﻫﻢ إﻣﺎرايت وﻳﻘﻊ‬ ‫اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ ﻋﲆ ﻣﻘﺮﺑﺔ ﻣﻦ ﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ وﺑني ﻃﺮﻳﻖ‬ ‫اﻟﺸﻴﺦ زاﻳﺪ وﻃﺮﻳﻖ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ زاﻳﺪ‪.‬‬

‫]‪Sales Price [USD/SQM‬‬

‫‪40‬‬

‫‪7500‬‬ ‫ ‪Oct 2013: Abu Dhabi‬‬‫‪USD 3,709/SQM‬‬

‫‪5000‬‬

‫‪30‬‬

‫ ‪Oct 2013: Abu Dhabi‬‬‫‪USD 23.40/SQM‬‬

‫‪20‬‬

‫‪2500‬‬

‫ ‪Oct 2013: Dubai‬‬‫‪USD 3,455/SQM‬‬

‫ ‪Oct 2013: Dubai‬‬‫‪USD 21.19/SQM‬‬

‫‪2012‬‬

‫‪2010‬‬

‫‪t %VCBJ t "CV %IBCJ‬‬

‫‪10‬‬

‫‪2010‬‬

‫‪2005‬‬

‫‪0‬‬

‫‪t %VCBJ t "CV %IBCJ‬‬

‫‪reidIn.com‬‬

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‫ﺑﻴﻨام ﻳﻌﺎين ﺳﻮق اﻟﻌﻘﺎرات ﰲ ديب ﻣﻦ اﻟﺘﺒﺎﻃﺆ‪ ،‬ﺗﺸﻬﺪ أﺑﻮ ﻇﺒﻲ‬ ‫اﳌﺠﺎورة ﻟﻬﺎ إرﺗﻔﺎع أﺳﻌﺎر ﺑﻴﻊ اﻟﻌﻘﺎرات و اﻻﻳﺠﺎرات‪ .‬ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‬ ‫ﻣﻦ ﻋﺎم ‪ ،2013‬إرﺗﻔﻌﺖ أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ أﺑﻮ ﻇﺒﻲ مبﻌﺪل ‪ 14.4‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬ﻛﺎن ﻫﺬا أﻛرث ﻣﻦ ﻣﻌﺪل اﻟﺮﺑﻊ اﻟﺜﺎين اﻟﺬي ﺑﻠﻎ ‪ 11.2‬ﰲ اﳌﺎﺋﺔ‪،‬‬ ‫وﻓﻘﺎ ﻷﺣﺪث ﺗﻘﺮﻳﺮ ﺻﺎدر ﻋﻦ ﻛﻼﺗﻮﻧﺰ‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﺧﻼﻓﺎً ﻟﻠﻮﺿﻊ ﰲ ديب‪ ،‬ﺣﻴﺚ ﻳﺘﺎح ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ ﺧﻴﺎرا ً أﻛرث‬ ‫ﺗﻨﻮﻋﺎً ﻣﻦ أﻧﻮاع اﻟﻌﻘﺎرات‪ ،‬ﰲ أﺑﻮﻇﺒﻲ‪ ،‬إﻗﺘﴫ ﻫﺬا اﻹرﺗﻔﺎع اﻟﺰاﺋﺪ ﻋﲆ‬ ‫ﺑﻌﺾ اﳌﺠﻤﻮﻋﺎت اﻟﺤﺮة‪ .‬وﻋﻼوة ﻋﲆ ذﻟﻚ‪ ،‬ﻓﺈن ارﺗﻔﺎع اﻷﺳﻌﺎر ﻗﺪ ﺑﺪأ‬ ‫ﺑﻌﺪ إﻧﺘﻌﺎش ﻗﻴﻤﺔ اﻟﻌﻘﺎرات ﰲ اﻟﻌﺎم اﳌﺎﴈ‪ .‬ﰲ اﳌﻘﺎﺑﻞ‪ ،‬ﺷﻬﺪت ديب‬ ‫ارﺗﻔﺎع ﻗﻴﻤﺔ اﻟﻌﻘﺎرات ﺧﻼل اﻟﻌﺎﻣني اﳌﺎﺿﻴني‪.‬‬ ‫وﻓﻘﺎ ﻟﺘﻘﺮﻳﺮ ﻛﻼﺗﻮﻧﺰ‪ ،‬ﺗﺪﻋﻢ اﻟﺰﻳﺎدات ﰲ اﻷﺳﻌﺎر ﻣﻦ ﻗﺒﻞ اﻷﺳﺲ‬ ‫اﻟﻘﻮﻳﺔ‪ .‬ﺣﻴﺚ أن اﻗﺘﺼﺎد اﻹﻣﺎرة ﻳﺸﻬﺪ منﻮا ﰲ ﻗﻄﺎﻋﺎت ﻣﺜﻞ اﻟﺘﻌﻠﻴﻢ‬ ‫واﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ واﻟﺒﻨﺎء واﻟﻀﻴﺎﻓﺔ اﻟﺘﻲ ﺑﺪورﻫﺎ ﺗﺰﻳﺪ ﻣﻦ اﻟﻘﻮى‬ ‫اﻟﻌﺎﻣﻠﺔ اﳌﺎﻫﺮة وﺗﺰﻳﺪ ﻣﻦ اﻟﻄﻠﺐ ﻋﲆ اﻟﻌﻘﺎرات‪.‬‬

‫ﻣﻨﺬ ﻓﱰة‪ ،‬ﻗﺒﻞ أن ﻳﺒﻠﻎ اﻟﺴﻮق ذروﺗﻪ‪ ،‬ﻋﻨﺪﻣﺎ ﺗﺴﺒﺐ إرﺗﻔﺎع اﻻﻳﺠﺎرات‬ ‫ﰲ أﺑﻮﻇﺒﻲ إﱃ ﺧﺮوج اﻟﺴﻜﺎن ﻣﻦ اﻹﻣﺎرة ﺑﺤﺜﺎً ﻋﻦ ﺧﻴﺎرات أرﺧﺺ ﰲ‬ ‫ديب‪ .‬اﻵن‪ ،‬ﻣﻊ ﺑﻠﻮغ اﻹﻳﺠﺎرات ﰲ ديب ذروﺗﻬﺎ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﳌﻤﻜﻦ أن‬ ‫ﻳﺆدي ﻫﺬا إﱃ اﻟﻬﺠﺮة اﻟﻌﻜﺴﻴﺔ ﺣﺘﻰ أﻧﻨﺎ ﻗﺪ ﻧﺮى ﻋﻮدة اﻟﻌﺎﻣﻠني ﰲ‬ ‫اﻟﻘﻄﺎع اﻟﺨﺎص إﱃ أﺑﻮﻇﺒﻲ‬

‫إﻧﺨﻔﻀﺖ ﻗﻴﻢ اﻟﻌﻘﺎرات ﰲ ديب ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‪ ،‬وﺣﺘﻰ اﻟﺘﺪﺧﻞ‬ ‫اﻟﺤﻜﻮﻣﻲ ﰲ ﺑﺪاﻳﺔ ﺳﺒﺘﻤﱪ ﻣﻦ ﻗﺒﻞ داﺋﺮة اﻷراﴈ واﻟﺘﺪاﺑري اﻟﻼﺣﻘﺔ‬ ‫ﻣﻦ ﻣﴫف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة اﳌﺮﻛﺰي‪ .‬ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬وﻓﻘﺎ‬ ‫ﻟﺘﻘﺮﻳﺮ ﺻﺎدر ﻋﻦ ﻛﻼﺗﻮﻧﺰ )ﴍﻛﺔ اﻻﺳﺘﺸﺎرات اﻟﻌﻘﺎرﻳﺔ(‪ ،‬ﻓﺈن ﻣﺘﻮﺳﻂ‬ ‫ﻗﻴﻤﺔ أرﺑﺎح رأس اﳌﺎل ﺑﻠﻎ ‪ ۸‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﻫﻮ ﺗﺮاﺟﻊ ﺣﺎد ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ‬ ‫‪ ۲۳‬ﰲ اﳌﺎﺋﺔ ﰲ أرﺑﺎح اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ .۲۰۱۳‬ﰲ اﻟﻮاﻗﻊ‪ ،‬ﰲ ﺣني أن‬ ‫ﻗﻴﻤﺔ اﻟﻌﻘﺎرات ﰲ ديب ﺗﺒﻠﻎ ﺣﺎﻟﻴﺎ ‪ ۵۲٫۳‬ﰲ اﳌﺎﺋﺔ وﻫﻮ ﻣﻌﺪل أﻋﲆ ﻣﻦ‬ ‫اﻷﺳﻌﺎر اﻟﺘﻲ إﻧﺨﻔﻀﺖ إﱃ أدىن ﻣﺴﺘﻮى ﻟﻬﺎ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم‬ ‫‪ ۲۰۰۹‬وأﻋﲆ مبﻌﺪل ‪ ٪۴۷٫۶‬ﻣﻘﺎرﻧﺔ ﺑﻨﻔﺲ اﻟﻔﱰة ﻣﻦ اﻟﻌﺎم اﳌﺎﴈ‪ ،‬إﻻ‬ ‫أﻧﻪ ﻻ ﻳﺰال أدىن ﻣﻦ ذروة اﻟﻘﻴﻢ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ اﻟﻌﺎم ‪۲۰۰۸‬‬ ‫مبﻌﺪل ‪ ۲۵٫۷‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫اﻻﻧﺨﻔﺎض ﰲ اﻟﻘﻴﻤﺔ ميﺘﺪ ﺣﺘﻰ إﱃ اﻻﻳﺠﺎرات‪ .‬ﰲ ﺣني ﺗﻄﺮق ﻣﻜﺎﺳﺐ‬ ‫اﻟﻘﻴﻤﺔ اﻹﻳﺠﺎرﻳﺔ ‪ ۸٫۲‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين‪ ،‬إﻻ إﻧﻬﺎ اﻧﺨﻔﻀﺖ إﱃ ‪۳‬‬ ‫ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ اﳌﻨﺘﻬﻲ ﰲ ﺳﺒﺘﻤﱪ ‪.۲۰۱۳‬‬ ‫ﺳﺒﺐ اﻟﺘﺒﺎﻃﺆ ﰲ ﻗﻴﻢ اﻟﻌﻘﺎرات ﻫﻮ أﻧﻪ ﺑﺎﻟﺮﻏﻢ ﻣﻦ أن اﻻﻗﺘﺼﺎد ﻻ ﻳﺰال‬ ‫ﻳﻨﻤﻮ‪ ،‬إﻻ أن منﻮ اﻟﺪﺧﻞ مل ﻳﻮاﻛﺐ ﻫﺬا اﻟﻨﻤﻮ وﻣﺎ زال أﻗﻞ ﻣﻦ اﻟﻨﻤﻮ ﰲ‬ ‫ﻗﻴﻤﺔ اﻹﻳﺠﺎر‪ .‬وﻣﻦ اﳌﺮﺟﺢ أن ﺗﺴﺘﻤﺮ ﻫﺬه اﻟﺤﺎﻟﺔ ﺧﻼل اﻷرﺑﺎع‬ ‫اﻟﻘﻠﻴﻠﺔ اﳌﻘﺒﻠﺔ‪.‬‬

‫اﻟﺘﻘﻴﻴامت اﻟﺤﺎﻟﻴﺔ ﻟﻠﻌﻘﺎرات ﰲ أﺑﻮﻇﺒﻲ‪ ،‬اﻟﺘﻲ ﺗﻢ اﻹﻧﺘﻬﺎء ﻣﻨﻬﺎ أو ﻋﲆ‬ ‫وﺷﻚ اﻻﻧﺘﻬﺎء‪ ،‬ﺟﺬاﺑﺔ ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ ﺣﻴﺚ أن اﻹﻣﺪادات اﻟﺠﺪﻳﺪة ﻻ‬ ‫ﺗﺰال ﻣﺤﺪودة‪ ،‬ﻣام ﻳﺠﻌﻞ ﻣﻦ اﻟﺴﻬﻞ ﺗﺄﺟري اﻟﻌﻘﺎرات ﻟﻀامن ﻋﺎﺋﺪ‬ ‫ﻟﻠﻤﺸﱰي‪ .‬ﺑﻴﻨام ﻛﺎﻧﺖ اﻻﻳﺠﺎرات ﺑﻄﻴﺌﺔ ﰲ ﺗﺤﻘﻴﻖ اﻷرﺑﺎح ﰲ اﻟﺮﺑﻊ‬ ‫اﻟﺜﺎﻟﺚ )ﺑﻨﺴﺒﺔ ‪ 1‬ﰲ اﳌﺎﺋﺔ ﻓﻘﻂ ﻣﻘﺎرﻧﺔ ﻣﻊ ‪ 4.5‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ‬ ‫اﻟﺜﺎين(‪ ،‬ﻣﻊ زﻳﺎدة اﻟﻄﻠﺐ ﻋﲆ اﻟﻌﻘﺎرات‪ ،‬ميﻜﻦ ﺣﺪوث ﻃﻔﺮة ﰲ‬ ‫اﻹﻳﺠﺎرات‪ .‬وﻳﻘﻮل ﻣﺤﻠﻠﻮن ان اﳌﺮﺳﻮم اﻻﺗﺤﺎدي اﻟﺬي ﻳﺘﻄﻠﺐ إﻧﺘﻘﺎل‬ ‫ﻋامل اﻟﻘﻄﺎع اﻟﻌﺎم إﱃ اﻹﻣﺎرة ﻳﻌﺪ ﻫﻮ اﳌﺴﺆول ﻋﻦ زﻳﺎدة اﻟﻄﻠﺐ‪.‬‬ ‫‪www.valoran.ae‬‬

‫ﻫﺬا اﻻﺟﺮاء اﻟﺬي اﺗﺨﺬﺗﻪ ‪ DLD‬ﻣﻦ رﻓﻊ رﺳﻮم اﻟﺘﺴﺠﻴﻞ ﻣﻦ ‪ ۲‬ﰲ‬ ‫اﳌﺎﺋﺔ إﱃ ‪ ۴‬ﰲ اﳌﺎﺋﺔ وﻣﻌﺪل اﻟﺮﺳﻤﻠﺔ ﻋﲆ ﻗﺮوض اﻟﺮﻫﻦ اﻟﻌﻘﺎري اﻟﺘﻲ‬ ‫أﻋﻠﻦ ﻋﻨﻬﺎ اﻟﺒﻨﻚ اﳌﺮﻛﺰي‪ ،‬وﺧﺎﺻﺔ ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﳌﺒﺎدئ اﻟﺘﻮﺟﻴﻬﻴﺔ‬ ‫اﻟﺼﺎرﻣﺔ ﺑﺸﺄن ﺗﻌﺮض اﻟﺒﻨﻮك ﻟﴩاء ﻣﻨﺰل ﺛﺎن‪ ،‬ﺳﻮف ﺗﺴﺎﻫﻢ ﰲ ﺗﺒﺎﻃﺆ‬ ‫اﻟﻨﻤﻮ ﰲ ﻗﻴﻤﺔ رأس اﳌﺎل‪ .‬ﻧﺴﺐ اﻟﻘﻴﻢ ﻟﻠﻘﺮض )‪ (LTV‬ﻳﺘﻢ ﺗﺜﺒﻴﺘﻬﺎ اﻵن‬ ‫ﻋﻨﺪ ﻧﺴﺒﺔ ‪ ۶۰:۴۰‬ﳌﻮاﻃﻨﻲ دوﻟﺔ اﻹﻣﺎرات و ‪ ۶۵:۳۵‬ﻟﻠﻤﻐﱰﺑني‪.‬‬

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‫ﰲ ‪ 27‬ﻧﻮﻓﻤﱪ‪ ،‬اﺣﺘﻔﻞ اﳌﻮاﻃﻨﻮن و اﳌﻘﻴﻤﻮن ﰲ ديب ﺑﻔﻮز اﻹﻣﺎرة‬ ‫ﻋﺮﺿﻬﺎ ﳌﻌﺮض وورﻟﺪ إﻛﺴﺒﻮ ﻋﺎم ‪ ،2020‬وﻓﻮزﻫﺎ ﻋﲆ ﺧﺼﻮﻣﻬﺎ ﻣﻦ‬ ‫اﻟﱪازﻳﻞ وﺗﺮﻛﻴﺎ و روﺳﻴﺎ‪ .‬اﺟﺘﻤﻊ ﻣﻤﺜﻠﻮن ﻣﻦ ‪ 167‬ﺑﻠﺪا ﻋﻀﻮا ﰲ‬ ‫اﳌﻜﺘﺐ اﻟﺪوﱄ ﻟﻠﻤﻌﺎرض )‪ (BIE‬ﰲ ﺑﺎرﻳﺲ ﻟﻺدﻻء ﺑﺄﺻﻮاﺗﻬﻢ‪ ،‬وﺷﺎﻫﺪوا‬ ‫ﺳﺎو ﺑﺎوﻟﻮ اﻟﱪازﻳﻞ ﺗﺨﺮج ﰲ اﻟﺠﻮﻟﺔ اﻷوﱃ و أزﻣري ﺗﺮﻛﻴﺎ ﺗﺨﴪ ﰲ‬ ‫اﻟﺠﻮﻟﺔ اﻟﺜﺎﻧﻴﺔ‪ .‬ﰲ اﳌﺮﺣﻠﺔ اﻟﻨﻬﺎﺋﻴﺔ‪ ،‬ﺳﺠﻠﺖ ديب اﻧﺘﺼﺎرا ً ﻣﺬﻫﻼً ﻣﻦ‬ ‫ﺧﻼل اﻟﻔﻮز ﺑـ ‪ 116‬ﺻﻮﺗﺎ ﻣﻘﺎﺑﻞ ‪ 47‬ﺻﻮﺗﺎ إﻳﻜﺎﺗﺮﻳﻨﺒريغ روﺳﻴﺎ‪.‬‬ ‫اﳌﻌﺮض اﻟﺬي ﻛﺎن ﰲ اﳌﺎﴈ ﻳﺪﻓﻊ إﱃ إﻋﻄﺎء دﻓﻌﺔ ﻟﻠﺴﻴﺎﺣﺔ واﻷﻋامل‬ ‫ﰲ اﳌﺪن اﳌﻀﻴﻔﺔ‪ ،‬ﺳﻮف ﻳﺰﻳﺪ ﻣﻦ وﺗرية اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي ﰲ ديب و‬ ‫دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ .‬وﻣﻦ اﳌﺘﻮﻗﻊ أﻳﻀﺎ أن ﺗﺰدﻫﺮ ﺳﻮق‬ ‫اﻟﻌﻘﺎرات‪ ،‬وﺧﺎﺻﺔ ﰲ اﳌﻨﺎﻃﻖ اﻟﻘﺮﻳﺒﺔ ﻣﻦ اﳌﻮﻗﻊ اﳌﻘﱰح ﳌﻌﺮض‬ ‫وورﻟﺪ إﻛﺴﺒﻮ ‪ .2020‬ديب ﻻﻧﺪ‪ ،‬اﻟﺘﻨﻤﻴﺔ اﻟﻀﺨﻤﺔ ﻣﺘﻨﻮﻋﺔ اﻹﺳﺘﺨﺪاﻣﺎت‬ ‫اﻟﺘﻲ ﺗﻘﻮم ﺑﻬﺎ ﻣﺠﻤﻮﻋﺔ ديب ﻟﻠﻌﻘﺎرات ﻫﻲ واﺣﺪة ﻣﻦ اﻟﺘﻄﻮرات اﻟﺘﻲ‬ ‫ﺗﺠﺬب اﻫﺘامم اﳌﺰﻳﺪ ﻣﻦ اﳌﺴﺘﺜﻤﺮﻳﻦ‪ ،‬ﻧﻈﺮا ﻟﻘﺮﺑﻬﺎ ﻣﻦ ﻣﻮﻗﻊ ﻣﻌﺮض‬ ‫وورﻟﺪ إﻛﺴﺒﻮ ﻟﻌﺎم ‪ 2020‬و ﻣﻮﻗﻌﻬﺎ ﺑني ﻣﻄﺎر ديب اﻟﺪوﱄ وﻣﻄﺎر آل‬

‫ﻣﻜﺘﻮم اﻟﺪوﱄ‪ .‬ﻣﻨﺎﻃﻖ أﺧﺮى ﻣﺜﻞ ارﺟﺎن‪ ،‬ﻟﻴﻮان واﳌﺮﺟﺎن ﻟﺪﻳﻬﺎ أﻳﻀﺎ‬ ‫إﻣﻜﺎﻧﻴﺔ ﺟﻴﺪة ﻟﻠﺘﻨﻤﻴﺔ ﺑﺴﺒﺐ ﻣﻮﻗﻌﻬﺎ‪.‬‬ ‫ﻓﻮز ديب ﻣﻦ اﳌﺮﺟﺢ أن ﻳﺸﻬﺪ اﻫﺘامﻣﺎً ﻣﺘﺰاﻳﺪا ً ﻣﻦ أﻃﺮاف أﺧﺮى ﻣﻦ‬ ‫اﳌﺴﺘﺜﻤﺮﻳﻦ‪ .‬ﻣﺠﻤﻮﻋﺔ ديب ﻟﻠﻌﻘﺎرات ﺑﺪأت ﺑﺎﻟﻔﻌﻞ ﰲ ﻋﻤﻠﻴﺔ ﺗﻘﻴﻴﻢ‬ ‫إﻣﻜﺎﻧﺎت ديب ﻻﻧﺪ ﻹﻗﺎﻣﺔ اﳌﺮاﻛﺰ اﻟﺘﺠﺎرﻳﺔ ﻟﺘﻮﻓري اﻟﺨﺪﻣﺎت ﻟﻠﺼﻨﺎﻋﺎت‬ ‫اﻟﺮﺋﻴﺴﻴﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﻗﻄﺎع اﻟﺨﺪﻣﺎت اﻟﻠﻮﺟﺴﺘﻴﺔ‪ .‬وﻳﺠﺮي اﻟﻌﻤﻞ أﻳﻀﺎ‬ ‫ﻷول ﻓﻨﺪق ﰲ اﳌﻨﻄﻘﺔ‪ ،‬واﻟﺬي ﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺘﻢ اﻓﺘﺘﺎﺣﻪ ﰲ ﻣﻨﺘﺼﻒ‬ ‫اﻟﻌﺎم اﳌﻘﺒﻞ‪ .‬وﺗﺸﻤﻞ اﳌﺸﺎرﻳﻊ اﻷﺧﺮى اﻟﺘﻲ ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺒﺪأ ﻗﺮﻳﺒﺎ‬ ‫ﰲ ديب ﻻﻧﺪ أﻛﺎدميﻴﺔ اﻟﺼﻔﺎ اﻟﱪﻳﻄﺎﻧﻴﺔ )ﻣﺪرﺳﺔ ﺗﺘﺒﻊ اﳌﻨﻬﺞ اﻟﱪﻳﻄﺎين(‬ ‫وﻣﺠﻤﻊ ﻟﻜﺮة اﻟﻘﺪم متﺖ اﳌﻮاﻓﻘﺔ ﻋﻠﻴﻪ ﻣﻦ ﻗﺒﻞ اﻟﻔﻴﻔﺎ‪.‬‬

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Congratulations, The UAE has won the honour of hosting World Expo 2020.

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Prepared by: Alpha & Beta FZE

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