February 2014 - eZine

Last Month at a Glance

Abu Dhabi Rents Likely to Increase Further Due to Low Supply Dubai Ranked 3rd among 20 Most Dynamic Cities in the World

International Real Estate News

Caribbean Property Sales Volumes Rise as Wealthy Buyers Return Issue No. 14 - February 2014

Columbia

International property market

Latest From the Economy

Non-Oil Sectors Tipped to Fuel UAE Economic Growth in 2014 Ukraine Looking at Making Larger Investments in the UAE

Dubai Freehold Property

Downtown Dubai International Property Markets

International Property Markets - Colombia Real Estate Investing Lessons

Lesson 12: Closing the Transaction Part 1: Understanding Escrow

Prepared by: Alpha & Beta FZE

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

News Digest

Last month at a glance

Abu Dhabi Rents Likely to Increase Further Due to Low Supply With a supply crunch hitting the market, rents in Abu Dhabi are expected to rise further this year.

This will be over and above the 18 per cent increase of 2013. According to Asteco, the situation has resulted from supply not being able to keep pace with the high demand. Compared to neighboring Dubai, which is expected to have around 28,000 units completed in 2014, Abu Dhabi’s inventory will increase only by 8,500.

The decree issued by the Abu Dhabi Government last year, requiring government employees to reside in the capital has resulted in many people relocating to the emirate, causing rents to shoot up. Rents for mid-range apartments witnessed the steepest hikes, especially in areas such as Al Bandar in Al Raha Beach. As per a statement from Asteco representatives, average rents for twobedroom apartments in the center of the city are

around Dh70,000 per year. Lower-end apartment rents have also increased marginally, but with the modification in the rent calculation methodology for this category during the year, it is not possible to measure the rise accurately.

Rents in ultra-high-end complexes such as Saadiyat Island and Etihad Plaza remained unchanged, as most of the residents had not moved out during the earlier spell of spiking rents.

However, in other high end apartments, including Golden Tower in Al Nahyan Camp, rents rose by 11 per cent.

According to the estate agent Asteco, with the removal of the cap on rent increase, which was earlier restricted to 5 per cent and the low supply of new housing, rents could rise further.

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Dubai Ranked 3rd among 20 Most Dynamic Cities in the World In the latest City Momentum Index (CMI) compiled by leading property consulting firm Jones Lang LaSalle, Dubai has made it to the list of the world’s 20 most dynamic cities. The city has been placed in the third spot after San Francisco and London, which were in the first and second place, respectively.

The latest CMI goes beyond traditional GDP rankings and analyzes other key drivers, such as commercial real estate, which are responsible for the high momentum in dynamic cities. The CMI assesses the performance of 111 cities across the world, giving each of them a weighted score that is dependent on 34 variables. Of these, short term socio economic variables such as GDP growth, population, recent FDI levels and other projections account for around 40 per cent of the weighted score. Short term commercial real estate momentum variables like office construction, net absorption and office rents, among others, get a weightage of 30 per cent, while long term variables, including educational infrastructure,

presence of universities, venture capital firms and technology companies, as well as overall innovation capability account for the remaining 30 per cent.

Other cities on the list include seven from China (not counting Hong Kong) – Shanghai, Wuhan, Shenzhen, Beijing, Chengdu and Tianjin. Besides New York, the United States is represented by technology driven cities such as Austin, San Jose, Los Angeles, Boston and Seattle. While Asian economic power centers Singapore and Tokyo were ranked 10th and 19th, respectively.

Besides this, Jakarta and Lima, both of which are driven by fast-paced urban consumerism, were placed 12th and 20th.

Dubai Land Department 30 Minutes The World Bank has ranked Dubai fourth on its Doing Business Index for the Dubai Land Department’s (DLD) ability to process and complete property title deed transfers within 30 minutes. This ranking has been achieved after the DLD recently streamlined its procedures for simplifying the transfer process for clients. With this, clients can now complete real estate title deed transfers within half an hour by visiting either the DLD’s main office or one of the twelve satellite Registration Trustee Offices.

The Doing Business Index is aimed at measuring the transparency and ease with which real estate registration takes place in cities around the world.

Dubai’s recent implementation of the ‘one action’ procedure for property registration has helped it rise up eight places from the twelfth rank that it was given in 2012.

The ‘one action’ procedure is part of the DLD’s efforts of supporting the Dubai Government’s initiatives of getting the city ready for hosting World Expo 2020 – the biggest marketing event in the world.

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

New Property Show in Dubai

With Dubai’s real estate experiencing a resurgence in construction and property price increases, the renewed confidence in the property market has resulted in the launch of a new consumer property show, Next Move live, which is aimed at offering visitors all the information they need to make their next property purchase, whether it is a villa or an apartment.

According to the projections by the Dubai Land Department, Dubai’s property prices will increase by 40 per cent this year. The rise in prices is likely to continue as the country gears up to host World Expo 2020.

The three-day property show will bring together developers, agents and banks, while giving consumers the opportunity to explore the various options available in the market.

Next Move live, which is a venture of the organizers of Cityscape, will be held from February 20 - 22, 2014 at Madinat Jumeirah. The event will feature several new project launches, including Pacific Village and Dubai Lifestyle City by Pacific Ventures.

The company is the silver sponsor of the event and

is a well-known real estate developer in the luxury segment. Platinum sponsors of the event include three leading property developers in the region – Aldar, DAMAC and Flash.

The UAE based contractor has announced the setting up of its regional headquarters in Belgrade and has indicated that it is already in talks with developers in the region for taking on projects.

The upscale project, which will include high end homes and luxury villas, will be built in two phases. Construction will commence in the second quarter of this year and will be completed by the latter half of 2015.

The red and white Al Nadi Tower, which is located on the premises of The Club, has been built to mark the 50th anniversary of the expatriate-founded establishment that offers sports, leisure and dining facilities to its members. The tower will have a viewing platform at the top.

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Latest from the economy

Non-Oil Sectors Tipped to Fuel UAE Economic Growth in 2014 After recording a healthy growth of 4.6 per cent last year, the economic activity in the UAE is expected to record a similar growth rate in 2014, as per a forecast from the economic research wing of Emirates NBD. The oil sector’s contribution to the country’s growth in 2014 is likely to be minimal as the large crude output increases between 2011 and 2013 are now in the base with only a 2 per cent increase in oil production being predicted.

In addition, the supply from other countries in the region, including Iran, Iraq and Libya, is expected to increase this year.

With domestic and regional economic recovery boosting the performance of non-oil sectors in 2013, especially in Dubai, manufacturing, trade and hospitality recorded strong growth in the first half of the year. Analysts believe that going forward, the non-oil sectors will have a larger part to play in the UAE’s economic growth.

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Over the past decade, the non-oil sector in the UAE has grown rapidly to replace the oil sector as the main contributor to the GDP growth. The country’s transparent policies and easy procedures for doing business have had a significant part to play in this development. The UAE is ranked the second most competitive country (after Qatar) for doing business in the Middle East region, and it ranks 19th out of 148 countries in the Competitiveness Index of the World Economic Forum.

Among the sectors that have contributed to economic growth are Wholesale and Retail trade (11 per cent), Construction and Real Estate (9 per cent), Manufacturing (9 per cent), and Storage and Communication (8 per cent).

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

According to Moody’s, economic diversification and unchanged high hydrocarbon prices will support Abu Dhabi’s economic outlook.

Abu Dhabi has been given the Aa2 rating by Moody’s – the global credit rating agency. In its latest report on Abu Dhabi’s economy and credit outlook, the agency has ranked Abu Dhabi’s economic strength as ‘very high’, largely owing to effective management of the emirate’s proceeds from hydrocarbon reserves, which have contributed to huge fiscal and external surpluses, a significant accumulation of sovereign wealth fund assets and a low level of direct government debt.

Other sovereigns that have an equal rating include Norway, Singapore and Switzerland, which have ‘Aaa stable’ scores.

Per capita GDP in the Abu Dhabi is about $71,000 (calculated on a purchasing power parity basis), which is similar to that of Norway and Singapore.

The emirate accounts for around 93 per cent of the oil production in the UAE and has a GDP of Dh911.6 billion.

Taking into account both oil and gas reserves, Abu Dhabi is placed 10th among countries in the world that have the largest hydrocarbon reserves. With the current rate of production, the reserves are expected to last for over 85 years. In addition, over the past five years, the government has invested around $160 billion in infrastructure projects and is also taking initiatives to diversify its economy.

Ukraine Looking at Making Larger Investments in the UAE Ukraine is looking at increasing its presence in the UAE. The Ukrainian Chamber of Commerce and Industry is setting up a Business Council this year to help investors explore business opportunities between the two countries.

The current trade between the Ukraine and the UAE is around Dh1.6 billion. While the Eastern European country is offering attractive opportunities to lure investors from the Middle East, many of its nationals are also simultaneously setting up offices in the free zones in the UAE. The governments of Ukraine and the UAE have already inked trade agreements for facilitating trade and economic cooperation. This includes provisions for avoiding double taxation and protecting investments.

According to Chamber sources, currently, around 20 Ukrainian companies have representative offices in Ras Al Khaimah free zone, and many more businesses are looking at establishing a presence in the UAE.

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On Thursday, January 23rd, UAE bourses reached another new high in five years, almost touching Dh3 billion as investors went on a buying spree, especially of mid to small-cap companies prior to the announcement of the fourth quarter earnings.

In Dubai, the DFM closed at 3819.02 points – an increase of 3.57 per cent – with shares in the real estate, financial and investment sectors rising the most.

The index has risen by 13.33 per cent for the year, and it is currently trading at an all-time high since October of 2008. Leading the gainers were Al Salam Sudan at Dh3.20 (13.88 per cent increase), Shuaa at Dh1.24 (11.71 per cent) and Mashreq Bank at Dh99.75 (11.39 per cent).

The real estate sector, which has witnessed a high level of optimism with the market rebounding, had its index rising by over 5 per cent on Thursday.

Over the last year, the Real Estate sector index has increased by over 120 per cent.

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Among the 31 companies traded on the Dubai exchange, 23 gained and one remained unchanged, while 7 fell. Arabtec was the leader in terms of value, while Gulf Finance House recorded the highest volume traded.

In Abu Dhabi, the ADX regained the drop it has witnessed on Wednesday to close at 4655.32 points – a rise of 1.68 per cent. Real estate shares accounted for the majority of the gains. Overall, the index has gained 8.51 per cent for the year.

Among the gainers in Abu Dhabi were Abu Dhabi Ship Building at Dh3.96 (14.78 per cent), United Arab Bank at Dh7.45 per cent (7.19 per cent) and Commercial Bank International at Dh2.19 (6.83 per cent). 28 of the 43 companies traded recorded increases, while 2 remained static and 13 declined.

In Abu Dhabi, Alda was the leader in terms of value, and Dana led on volume.

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

Dubai Freehold Property Downtown Dubai

Emaar Properties’ Downtown Dubai is a mixed use development that is considered the most prestigious area in Dubai as it is home to several of the city’s landmarks, including the Burj Khalifa, the Dubai Fountain and the Dubai Mall. Spread over an area of two square kilometers, the development is divided into eleven projects. At the center of the complex are the Burj Park Island and the Address Downtown Dubai Hotel. Additionally, there are three other hotel developments in the complex, besides The Emaar Square, which has offices in a low-rise complex.

Downtown Dubai also features a mix of low-rise residential developments such as Old Town and Old Town Island besides high-rise residential towers such as The Residences, Burj Views, 8 Boulevard Walk and South Ridge. In addition, The Lofts presents a novel concept in urban homes, with its multi-level living spaces.

The Old Town & The Old Town Island The villas are built around three unique themes – Heritage, Legacy and Regional.

The development comprises a mix of three that include car parks and terraces. All homes come with a garage and a large back yard, which enhance the concept of family living.

This complex consists of nine high-rise buildings that present an idyllic concept of urban living.

The towers are surrounded by water and beautiful greenery. It has a combination of spacious one, two and three bedroom apartments besides penthouses and villas. The interiors have stateDubai, United Arab Emirates

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of-the-art finishes and innovative design. The apartments also have views of the Burj Khalifa, Burj Lake and the Dubai Fountain.

Another high-rise residential complex in Downtown Dubai, Burj Views has one and two bedroom apartments that range from 7001,400 square feet and are spread over three towers – Central, East and West. It comes with a range of amenities such as swimming pool, gym, business center, multipurpose hall and a reading room. The apartments are a short walk away from Dubai Mall and Emaar Boulevard.

This complex, which consists of three 35-storey residential towers, is set in the heart of the development at the Burj Khalifa site. It’s close to the Emaar Boulevard that encircles the Burj Khalifa development. There are one and two bedroom apartments in the complex that are between 465 square feet and 1,408 square feet. The development’s amenities include a swimming pool and gym.

This six-tower high-rise development within Downtown Dubai comprises one, two and three bedroom apartments ranging from 835 square feet to 3,008 square feet. Some of the amenities at this luxury complex include a swimming pool library, squash court, badminton court, billiards room, business lounge, multipurpose room and private garden courts. It’s located within walking distance from Emaar Boulevard and the shopping and conveniences at the Dubai Mall.

This unique concept of modern urban living consists of studio, one bedroom and two bedroom apartments, which are double-storied.

Dubai, United Arab Emirates

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

Sales Prices & Rentals With several different types and styles of apartments and villas available in Downtown Dubai, the sales prices and rentals are varied depending on the complex in which it is located.

The majority of residences in the complex are apartments, the prices of which start from Dh 800,000 for the lowest priced studio and go up to Dh 69,000,000 for the most expensive 6 bedroom apartment.

Apartment rental values in Downtown Dubai are among the highest in the city because of its prime location. Rents range from Dh 60,000 per annum for a studio to Dh 700,000 for a four bedroom apartment.

Sales Prices

Villa Avg. Price: AED 7,839,000 Price Range: AED 6,000,000 - AED 11,500,000

PropertZ types

t Villa t Apartment

Apartment Avg. Price: AED 5,221,105 Price Range: AED 1,250,000 - AED 15,200,000

ProperUJFT bZ bFE rooms

t bed

t bed

t bed

t bed

t bed

t bed

Source: propertyfinder.ae

Rentals Prices

Villa Avg. Price: AED 295,000 Price Range: AED 200,000 - AED 400,000

PrPpertZ types

t Villa t Apartment

Apartment Avg. Price: AED 170,049 Price Range: AED 60,000 - AED 700,000

PrPperUJFT bZ bFE rPPNT

t bed

t bed

t bed

t bed

t bed

t 4UVEJP

Source: propertyfinder.ae

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International Real Estate News

Since 2004 According to data from the Australian Bureau of Statistics, the country’s home building activity is reviving. The latest quarterly update indicated that Western Australia, New South Wales and Queensland were among the states leading the recovery with the highest increases.

Around 163,250 new home constructions had commenced over the 12 months ending September 2013. While there was a marginal drop of 2 per cent compared to last year, representatives of the Housing Industry Association (HIA), which is the main authority on the residential construction sector in Australia, said that there has been a good recovery since the market hit rock bottom in March 2012.

Construction of multi-unit housing is leading the recovery, recording a gain of 35 per cent over the 20-year average. While the detached housing segment was also growing, the annual figure of commencements was 9 per cent lower than the 20-year average.

New building increased in New South Wales, Western Australia, South Australia, the Northern Territory and Queensland (by 8.6 per cent, 4 per cent, 2.4 per cent, 1.9 per cent and 0.2 per cent,

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respectively). In Queensland, the Titles Registry showed that the number of lodgements increased significantly in 2013. The average number of lodgements in the state per day was 3,240 in December 2013, which was much higher than the daily average of 2,640.

In some states, new building recorded declines.

Besides the Australian Capital Territory where it fell by 32.7 per cent, they declined in Victoria by 8.5 per cent and in Tasmania by 5.4 per cent.

Australia

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

Prices Continue to Fall in Europe, While UK and Ireland Record Small Gains In the third quarter of 2013, residential property prices in the euro area declined by 1.3 per cent year-on-year, while in the European Union, the prices were down by 0.5 per cent. The latest index published by Eurostat pointed to quarterly prices in the two areas having fallen by 0.6 per cent and 0.7 per cent, respectively.

During the third quarter, Estonia led the countries that recorded annual price increases with a growth of 11.1 per cent. Luxembourg followed with a price rise of 6.5 per cent for flats, while Latvia was third with 6.2 per cent growth.

Croatia witnessed the steepest fall annually, as prices in the country dropped by 16.9 per cent.

Other countries that recorded the highest losses were Cyprus (8 per cent) and Spain (6.4 per cent).

The UK and Ireland were among the countries where prices increased quarter on quarter. They were up by 4.1 per cent in Ireland and by 2.5 per cent in the UK. Annual increases in the two countries were 3.7 per cent and 3.6 per cent, respectively.

The largest quarterly falls were recorded in Slovenia (4 per cent), Denmark (3.3 per cent) and Romania (2.4 per cent).

Caribbean Property Sales Volumes Rise as Wealthy Buyers Return

Canadian buyers continued to account for the highest foreign demand in Caribbean property.

In Barbados and the British Virgin Islands, prime sales increased by around 10 per cent to 15 per cent in 2013. In comparison, luxury homes in the Bahamas, Jumby Bay, Mustique and St. Barts rose by just 2 per cent. In the mid-market, an increase in interest in properties belonging in the price bracket of $2.5 million to $4.5 million, particularly among US buyers, indicated higher disposable incomes. Currency fluctuations arising from the weak dollar have made the Caribbean property prices more attractive to Euro denominated buyers. This was reflected by an increase in inquiries from French, Swedish and Eastern Europeans.

While luxury homes in the Caribbean islands were not immune to the global financial crisis, over the last six years, property prices on smaller and more exclusive islands such as Jumby Bay, Mustique and St. Barts have performed better than some of the other islands. Larger islands such as Barbados and the Bahamas, where residential and leisure properties had been expanding at a faster pace prior to the crisis, were more affected by the slowdown. Luxury property prices on some of the islands dropped by as much as 30 per cent since 2007. However, the decline has slowed considerably over the past year.

While the market has been recovering, there continues to be a large inventory that was built up before the slowdown. Although 2013 saw a turnaround in islands such as Barbados, supply is still far higher than demand. Hence, despite the renewed confidence, vendors will have to price their properties realistically in order to sell to price sensitive buyers.

The latest report from Knight Frank revealed that 2013 was a good year for several property markets in the Caribbean. Prime real estate in Barbados and the British Virgin Islands benefited the most from increased sales volumes. Renewed confidence among buyers from the United States and Europe has contributed to the turnaround. British, US and www.valoran.ae

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Lifestyle

Poliform, which is renowned for its beautiful cabinetry that is made in Italy, is now offering clients custom design solutions for closets.

The services, which involve guiding customers through the various stages from the start to the finish of their renovation or construction, is aimed at moving closets away from being just a functional piece of furniture to becoming a statement of their owner’s personality. The custom design takes into account every little detail based on the client’s needs and preferences to create a perfect closet space.

Whether the client is looking for a free-standing or walk-in closet, the custom design solution involves a brand specialist from Poliform determining the requirements and the scope of the project and making recommendations on the solution that would be most appropriate. It even takes into consideration aspects such as whether the closet space will be used by a man or a woman and goes into analyzing the kinds of clothing and accessories that would be stored in them. The Poliform specialist goes to the extent of making an estimate of the number of pieces of clothing, shoes, jewelry, ties and other accessories that the client owns, so as to determine the number of shelves, drawers or boxes that will optimize the functionality of the wardrobe.

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However, the design of the closet goes beyond mere utility. After the space has been designed, the client gets to pick finishes and accessories that best represent their style or personality. This includes choosing from four different types of doors, a wide range of finishes as well as materials for the doors and handles. In addition, there are accessories such as hanging bars, lighting and boxes for organizing, which can be chosen to dress up the closet.

Poliform closets are designed using superior engineering and the best quality products to bring a new element of sophistication into a client’s home.

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

Fabergé Comes Back to Russia Fabergé, which is synonymous with the lavish jewel encrusted enamel eggs, had disappeared from Russia after the Russian Revolution, when the precious pieces that belonged to the Russian Imperial court were either sold off or smuggled out of the country. While some of these pieces that were created by Peter Carl Fabergé are on display in museums, others are a part of private collections. However, this classic Russian jewel now returns to Russia at a newly opened Fabergé Museum in the City of Saint Petersburg. The museum is the first of its kind and will display the largest collection of pieces made by the master craftsman.

The neoclassical Shuvalov Palace, where the museum is located, was inaugurated by the Russian philanthropist, Viktor Vekselberg, who is also the owner of the Link of Times Foundation that had acquired the abandoned palace that was once home to Russian nobility. Following a $38 million restoration project that was aimed at bringing the palace back to its former glory, Vekselberg’s collection of over 1,500 pieces are now on display at the palace. The collection includes some notable works such as the yellowenameled egg made for the Imperial Coronation in 1897, which when opened up has a miniature model of the coach ridden by Empress Alexandra into Moscow. The collection also has around 200 pieces that earlier belonged to the Forbes family in New York, besides other objects that were acquired either privately or through auctions over the past few years.

New BlackBerry Smartphone with Porsche Design German car maker Porsche and Canadian smart phone manufacturer BlackBerry are trying to replicate the success of their collaboration on the Porsche Design P’9981 smart phone, which went on to become one of last year’s best sellers in Harrods. The new model – the Porsche Design P’9982 smart phone – will be the first alltouchscreen phone offered by BlackBerry. The phone has a stainless steel frame with a satin finish and hand-applied Italian leather back.

The P’9982 will have a custom version of BlackBerry’s latest operating system (10.2), which comes with a clock modeled after Worldtimer – a Porsche Design time piece – and will have a unique BBM PIN for owners of this model. It will also feature BlackBerry’s new intelligent keyboard that has an advanced predictive text service, besides services such as Priority Hub for managing and filtering messages and conversations, and BBM Video that has screen-sharing capability.

The smartphone is available at Harrods and Porsche Design stores and comes with a price tag of $1,990. There are also 500 limited edition pieces of the smartphone, which come wrapped in crocodile leather. The limited edition phones will retail at Harrods for around $3,750.

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International Property Markets Colombia From a nation that even fifteen years ago was rife with revolutions and drug cartels, Colombia has made a comeback in recent years with an economy that is steadily growing and has been among the few, which remained stable right through the economic crisis that affected most countries around the world.

Two decades of liberalization measures by the government have resulted in the country being regarded as one of the most dynamic economies in South America. In fact, it’s the third largest economy in the region after Brazil and Argentina, and is poised to replace the latter in second spot over the next couple of years. The GDP growth rate in Colombia in the second quarter of 2013 recorded a year-on-year increase of 4.2 per cent. The inflation rate has also been relatively low.

Once not considered as a potential place for real estate investment, the country has transformed into a destination with good prospects for capital appreciation as well as rental yields. In addition, with political stability re-emerging, foreign companies are once again making investments in Colombia, and tourism has been surging over the past few years. With this, the commercial real estate has also been recording price increases.

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

However, the country still has security issues, and with the Central Bank reporting (in early 2013) the possibility of a housing market bubble, there continues to be an element of risk associated with investing in Colombia. On the other hand, with the increased growth in the income of the Colombian middle class, making an investment in the property market today can bring capital appreciation and rental yields in the future when the demand for property in the major cities increases to keep pace with economic growth.

Bogota, Colombia

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Residential Market Residential property prices in Colombia have been continuously rising for the past seven years. As per Knight Frank’s Q3 2013 Global House Price Index, Colombia ranked 9th in the world in terms of growth in residential property prices, recording a year-on-year increase of 11.8 per cent in Q3 of 2013 compared to the same period in 2012.

According to a report from the country’s National Administrative Department of Statistics, around 19,021,270 square meters of residential space was under development at the end of the second quarter of 2012. Apartments accounted for around 63 per cent of the total residential development, while houses constituted just 11 per cent. While the annual increase in nationwide residential property development was approximately 2 per cent, in Colombia’s largest cities, the rates were significantly higher – Barranquilla (15.4 per cent),

Cali (14.1 per cent) and Medellin (3.3 per cent). In the Capital, Bogota, where around 7 million square meters were under construction, the growth rate declined by 1 per cent due to the shortage of land available for development.

For foreign investors, there is no restriction on buying residential property in Colombia. Before a property sale or transfer is legalized, certain formalities have to be completed such as payment of taxes and recording the sale in a public document at the Real Property Registry. Round trip transaction costs are relatively low, ranging from 6.84 per cent to 8.04 per cent. In addition, there’s the added advantage of no restriction on repatriation of capital gains to the seller’s home country.

With the easy availability of credit over the past few years, and the growth in the earnings of the middle class, demand for home purchases has been driving up residential property prices.

GDP Growth & Inflation Rate (%) 10 8 6 4 2 0 ‘00

‘02

GPD Growth

‘04

‘06

‘08

Inflation Rate

Source: www.globalpropertyguide.com

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‘10

‘12

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

However, in the first quarter of 2013, based on a research report, the country’s Central Bank cautioned that Colombia might be heading towards a housing bubble resulting from the unrestricted supply of credit and speculative demand arising due to increased investments in key industry sectors such as coal, oil and technology.

Over the past few years, there hasn’t been too much movement in the rental values in the country. In larger cities such as Bogota, rental yields range from 7 to 8 per cent.

Property owners also have to pay 15.47 per cent Income Tax on rental income. Besides this, the existing tax on income is not in favor of foreign investors as income of nonresidents is taxed at flat 33 per cent.

This includes income from capital gains as well as income from leasing property, which is charged at 33 per cent, including 3.5 per cent with holding tax that is considered a form of advance tax payment.

Bogota, Colombia

Knigh Frank Global House Price Index Rank

1 2 3 4 5 6 7 8 9 10

Country

Dubai, UAE China Hong Kong Taiwan Indonesia Turkey Brazil Colombia Germany United States

12 - Month % Change

6 - Month % Change

3 - Month % Change

(Q3 2012-Q3 2013)

(Q1 2013-Q3 2013)

(Q2 2013-Q3 2013)

28.5% 21.6% 16.1% 15.4% 13.5% 12.5% 11.9% 11.8% 11.2% 11.2%

11.8% 9.7% 3.4% 11.9% 4.5% 7.7% 6.1% 5.9% 9.8% 10.5%

4.5% 5.5% 1.8% 7.4% 2.3% 3.8% 3.0% 2.7% 4.9% 3.2%

Last Data if not Q3 2013

Q2 Q2 Q2

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On the office property front, in the country’s capital, Bogota, after continuous declines since 2010, Class A office vacancy increased by 2.9 per cent in Q3 of 2013 (compared to Q3 of 2012) largely due to the addition of new inventory. In 2014, the inventory is further expected to increase with the total available space estimated to reach 200,000 square meters – the highest in five years.

With the additional inventory, there is likely to be a downward pressure on prices, although it will stabilize later once the new inventory is occupied.

The increase in inventory of approximately 32,000 square meters in Q3 of 2013 was due to four new projects being delivered. Two of these are located in the north of the city, while the remaining two are in the west. With the delivery of the new projects, asking rents declined marginally by 0.2 per cent compared to Q3 2012. Absorption, which has been steadily declining since 2010 is expected to pick up soon, as predictions indicate a latent demand that will rise as the economy grows.

Medellin, Columbia

STATS ON THE GO 3Q 2012

3Q 2013

Y-O-Y CHANGE

Vacancy

2.5%

5.4%

2.9pp

Asking Rents (USD/sq.m./month)

$35.5

$33.3

-6.2%

23

32

39%

BOGOTA - CLASS A

New Stock (.000/sq.m.)

20

12

MONTH FORECAST

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

AVAILABILITY VS. NET ABSORPTION VS.ASKING RENTS - CLASS A $ 40

200 160

$ 30

120

$ 20

80 40

$ 10

0

$0 3Q10 AVAILABILITY

3Q11

3Q12

NET ABSORPTION

3Q13 ASKING RENTS

Outlook From an investment perspective, the real estate market in Colombia comes with opportunities and risks. On the one hand, the growing economy and the increasing level of income of the middle class bring with it the prospect of higher demand for urban housing that will likely see property prices rising further. However, there is the shadow of a prospective bubble rising from speculative demand due to the easy access to credit that allows buyers to invest beyond their means. In addition, with high tax on income on rentals and capital gains, the investment attractiveness of the country will continue to be relatively low, unless the government changes its policies to provide more incentives to foreign investors. www.valoran.ae

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Real Estate Investing Lesson 12

Closing the Transaction Part 1: Understanding Escrow Once your property is under contract, the next step is to set up an escrow. This will give you the opportunity to complete formal due diligence (different from the informal due diligence done before making the offer) and get the property inspected to ensure that there has been no misrepresentation by the seller.

From the seller’s point of view, setting up an escrow account into which the funds are deposited temporarily until the buyer is satisfied with all aspects of the property, serves as an assurance that the buyer is serious about purchasing the property.

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

However, care should be taken while opening an escrow to ensure that your funds are protected.

In this lesson, we take you through the process of setting up an escrow and understanding the process involved.

Setting up an Escrow An escrow is a popular method used in the final stages of closing a property transaction, wherein a neutral third party acts as an intermediary to facilitate the smooth completion of the deal.

Setting up an escrow is usually done once the purchase agreement is signed by the buyer and the seller. At this stage, the earnest money deposit or partial payment that has to be given to the seller by the buyer as a token of his expressed interest in making the purchase is transferred to the third party, who holds it in an escrow account set up in the buyer’s name.

on the terms agreed upon by both parties in the purchase agreement.

Although the terms are derived from the purchase agreement, it’s wise to review every term to safeguard one’s interests before signing the document as it also contains instructions on how to handle a dispute if one arises. The escrow instructions become binding once both parties agree to the terms and sign the document. In case there is a disagreement between the buyer and seller with regard to the terms of the instructions, then the transaction cannot go forward until both parties come to a consensus.

Once the instructions are signed, the escrow officer cannot make changes to it. Any modification to the instructions can only be done with a written agreement or executed change order, signed by both parties. Thus, escrow instructions are important and should be reviewed in detail before being signed.

It is not uncommon to have disputes between the buyer and seller until the transaction is closed, as they both have different interests. The escrow officer, who is a disinterested third party, helps in coordinating with the two parties and resolving these disputes so that the transaction concludes.

Until then, the money is held safe in the escrow account.

Most real estate agents help buyers in identifying a suitable escrow officer. However, it’s important to know that the role of an escrow officer differs depending on local laws. It’s in the buyer’s best interests to get the escrow officer to run through his duties so as to get a better understanding of how he can help in closing the deal to the buyer’s advantage.

Reviewing Escrow Instructions The role of the escrow officer includes setting up escrow instructions that serve as a guide to the various contingencies in the transaction between the buyer and the seller. The instructions are based

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Analyzing the Preliminary Title Report After the instructions are signed, the buyer gets a copy of the preliminary title report. It’s vital to have an attorney review this document to analyze the items in it and to ensure that everything is in order.

This includes verifying the details of the current legal owner of the property, information on any liens with respect to judgments, mortgage, unpaid income tax and property tax. It also outlines any conditions, restrictions or third party interests that limit the use of the property. A common example of these is restrictions laid down by community associations or condominiums for its residents.

Approval of the preliminary title report by the buyer is one of the key contingencies in the process of closing the deal, as it gives him the right to cancel the purchase if he is not satisfied with some of the items in the report. Therefore, it’s essential to analyze not only the report itself, but also all the backup material that pertains to each of the items mentioned in it. Otherwise, the buyer might end up purchasing the property in a hurry only to regret the haste later.

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Contingencies are clauses included in the purchase agreement that allow either the buyer or the seller to back out of the transaction, if they are not satisfied with some of the items. Usually, the escrow officer keeps track of these contingencies, but it is the responsibility of the buyer or seller to notify him if a contingency fails, so that they negotiate with the other party or decide on the next course of action. Contingencies can be approved, rejected or waived by the beneficiary.

For instance, a common contingency is the time set for physical inspection of the property.

However, this may not always take place within the stipulated time. In such a situation, the seller has the option to accept the contingency and refuse the buyer access for inspection. Alternatively, he can waive the contingency or reject it to grant the buyer additional time for completing the physical inspection.

Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

Arriving at the Closing Date Once the contingencies pertaining to the various aspects of the transaction are met, including physical inspection, financing and appraisal, the escrow officer advises both parties on the estimated time within which the transaction should be completed. In reality, it usually takes longer than estimated to complete all the required formalities. Therefore, it is in the best interest of the buyer to negotiate an extension so that he gets additional time to close the deal. In most cases, the seller may be willing to give a small extension to the buyer, if he is unable to complete the transaction due to factors beyond his control.

However, no seller will be agreeable to indefinite delays. In such cases, if the buyer has his heart set on buying the property, he can negotiate for an extension by offering to compensate the seller for

the amount of additional mortgage that has to be paid or for the loss of rental income.

Opening an escrow is a vital step in the final stages of closing a real estate transaction. However, there are other elements such as due diligence and property inspection, which help the buyer to determine whether the property is exactly as he hoped it would be. In the next issue, we will talk about the various aspects to be covered during Due Diligence and Property Inspections.

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

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

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

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Valoran Real Estate Brokers Issue No. 14 - Feb. 2014

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‫ﺣﺎﳌﺎ ﻳﺘﻢ اﺳﺘﻴﻔﺎء اﻟﺤﺎﻻت اﻟﻄﺎرﺋﺔ اﳌﺘﻌﻠﻘﺔ مبﺨﺘﻠﻒ ﺟﻮاﻧﺐ ﻫﺬه‬ ‫اﳌﻌﺎﻣﻠﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﳌﻌﺎﻳﻨﺔ‪ ،‬اﻟﺘﻤﻮﻳﻞ واﻟﺘﻘﻴﻴﻢ‪ ،‬ﻳﻘﻮم اﻟﻀﺎﻣﻦ ﺑﺘﻘﺪﻳﻢ‬ ‫اﳌﺸﻮرة ﻟﻠﻄﺮﻓني ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﻟﻮﻗﺖ اﳌﻘﺪر اﻟﺬي ﻳﻨﺒﻐﻲ ﻓﻴﻪ اﻛﺘامل‬ ‫اﳌﻌﺎﻣﻠﺔ‪ .‬ﰲ اﻟﻮاﻗﻊ‪ ،‬ﻋﺎدة ﻣﺎ ﻳﺴﺘﻐﺮق وﻗﺘﺎ أﻃﻮل ﻣﻦ اﻟﻮﻗﺖ اﳌﻘﺪر‬ ‫ﻻﺳﺘﻜامل ﺟﻤﻴﻊ اﻹﺟﺮاءات اﳌﻄﻠﻮﺑﺔ‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻓﺈﻧﻪ ﰲ ﻣﺼﻠﺤﺔ‬ ‫اﳌﺸﱰي اﻟﺘﻔﺎوض ﻋﲆ اﻟﺘﻤﺪﻳﺪ ﺣﺘﻰ ﻳﺤﺼﻞ ﻋﲆ ﻣﺰﻳﺪ ﻣﻦ اﻟﻮﻗﺖ‬ ‫ﻹمتﺎم اﳌﻌﺎﻣﻠﺔ‪ .‬ﰲ ﻣﻌﻈﻢ اﻟﺤﺎﻻت‪ ،‬ﻗﺪ ﻳﻜﻮن اﻟﺒﺎﺋﻊ ﻋﲆ اﺳﺘﻌﺪاد‬ ‫ﻟﻠﻘﻴﺎم ﺑﺘﻤﺪﻳﺪ ﻗﺼري ﻟﻠﻤﺸﱰي‪ ،‬إذا ﻛﺎن ﻏري ﻗﺎدر ﻋﲆ إمتﺎم اﳌﻌﺎﻣﻠﺔ‬ ‫ﺑﺴﺒﺐ ﻋﻮاﻣﻞ ﺧﺎرﺟﺔ ﻋﻦ إرادﺗﻪ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻟﻦ ﻳﻜﻮن ﻣﻘﺒﻮﻻً ﻟﺪى‬ ‫اﻟﺒﺎﺋﻊ اﻟﺘﺄﺧري إﱃ أﺟﻞ ﻏري ﻣﺴﻤﻰ‪ .‬ﰲ ﻣﺜﻞ ﻫﺬه اﻟﺤﺎﻻت‪ ،‬إذا ﻛﺎن‬ ‫اﳌﺸﱰي ﻣﺘﻌﻠﻘﺎً ﺑﴩاء اﻟﻌﻘﺎر‪ ،‬ميﻜﻨﻪ اﻟﺘﻔﺎوض ﻟﺘﻤﺪﻳﺪ اﻟﻔﱰة ﻣﻦ ﺧﻼل‬ ‫ﺗﻘﺪﻳﻢ ﺗﻌﻮﻳﺾ ﻟﻠﺒﺎﺋﻊ ﻋﻦ ﻗﻴﻤﺔ ﻣﺒﻠﻎ اﻟﺮﻫﻦ اﻟﻌﻘﺎري اﻹﺿﺎﰲ اﻟﺘﻲ‬ ‫ﻳﺠﺐ أن ﻳﺪﻓﻌﻬﺎ أو ﻋﻦ ﻓﻘﺪان إﻳﺮادات اﻹﻳﺠﺎر‪.‬‬

‫ﻓﺘﺢ ﺣﺴﺎب اﻟﻀامن ﻫﻮ ﺧﻄﻮة ﺣﻴﻮﻳﺔ ﰲ اﳌﺮاﺣﻞ اﻟﻨﻬﺎﺋﻴﺔ ﻣﻦ إمتﺎم‬ ‫اﳌﻌﺎﻣﻼت اﻟﻌﻘﺎرﻳﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻫﻨﺎك ﻋﻨﺎﴏ أﺧﺮى ﻣﺜﻞ اﻟﻌﻨﺎﻳﺔ‬ ‫اﻟﻮاﺟﺒﺔ وﻣﻌﺎﻳﻨﺔ اﻟﻌﻘﺎرات‪ ،‬واﻟﺘﻲ ﺗﺴﺎﻋﺪ اﳌﺸﱰي ﰲ ﺗﺤﺪﻳﺪ ﻣﺎ إذا‬ ‫ﻛﺎن ﻫﺬا ﻫﻮ اﻟﻌﻘﺎر اﻟﺬي ﻳﺘﻤﻨﺎه‪ .‬ﰲ اﻟﻌﺪد اﻟﻘﺎدم‪ ،‬ﺳﻮف ﻧﺘﺤﺪث ﻋﻦ‬ ‫ﻣﺨﺘﻠﻒ اﻟﺠﻮاﻧﺐ اﻟﺘﻲ ﻳﺠﺐ ﺗﻐﻄﻴﺘﻬﺎ ﺧﻼل ﻣﺮﺣﻠﺔ اﻟﻌﻨﺎﻳﺔ اﻟﻮاﺟﺒﺔ‬ ‫وﻣﻌﺎﻳﻨﺔ اﻟﻌﻘﺎر‪.‬‬

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‫ﺑﻌﺪ اﻟﺘﻮﻗﻴﻊ ﻋﲆ اﻹرﺷﺎدات‪ ،‬ﻳﺤﺼﻞ اﳌﺸﱰي ﻋﲆ ﻧﺴﺨﺔ ﻣﻦ اﻟﺘﻘﺮﻳﺮ‬ ‫اﻷوﱄ ﻟﺴﻨﺪ ﻧﻘﻞ اﳌﻠﻜﻴﺔ‪ .‬إﻻ أﻧﻪ ﻣﻦ اﳌﻬﻢ أن ﻳﻘﻮم اﳌﺤﺎﻣﻲ مبﺮاﺟﻌﺔ‬ ‫ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻟﺘﺤﻠﻴﻞ اﻟﻌﻨﺎﴏ اﻟﻮاردة ﻓﻴﻬﺎ واﻟﺘﺄﻛﺪ ﻣﻦ أن ﻛﻞ ﳾء ﰲ‬ ‫ﻣﺤﻠﻪ‪ .‬وﻫﺬا ﻳﺸﻤﻞ اﻟﺘﺤﻘﻖ ﻣﻦ ﺗﻔﺎﺻﻴﻞ اﳌﺎﻟﻚ اﻟﻘﺎﻧﻮين اﻟﺤﺎﱄ ﻟﻠﻌﻘﺎر‪،‬‬ ‫ﻣﻌﻠﻮﻣﺎت ﻋﻦ أي اﻣﺘﻴﺎزات ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﻷﺣﻜﺎم‪ ،‬اﻟﺮﻫﻦ اﻟﻌﻘﺎري‪،‬‬ ‫ﴐﻳﺒﺔ اﻟﺪﺧﻞ و ﴐﻳﺒﺔ اﻷﻣﻼك ﻏري اﳌﺪﻓﻮﻋﺔ‪ .‬ﻛام ﻳﻮﺟﺰ أي ﴍوط أو‬ ‫ﻗﻴﻮد أو ﻣﺼﺎﻟﺢ ﻃﺮف ﺛﺎﻟﺚ ﻗﺪ ﺗﺤﺪ ﻣﻦ اﺳﺘﺨﺪام اﻟﻌﻘﺎر‪ .‬ﻣﻦ اﻷﻣﺜﻠﺔ‬ ‫اﻟﺸﺎﺋﻌﺔ ﻟﻬﺬه اﻟﻘﻴﻮد اﻟﺘﻲ ﻳﻀﻌﻬﺎ اﻟﺠﻤﻌﻴﺎت اﻷﻫﻠﻴﺔ أو اﻟﻮﺣﺪات‬ ‫اﻟﺴﻜﻨﻴﺔ ﻟﺴﻜﺎﻧﻬﺎ‪.‬‬ ‫اﳌﻮاﻓﻘﺔ ﻋﲆ اﻟﺘﻘﺮﻳﺮ اﻷوﱄ ﻟﺴﻨﺪ ﻧﻘﻞ اﳌﻠﻜﻴﺔ ﻣﻦ ﻗﺒﻞ اﳌﺸﱰي ﻫﻲ‬ ‫ﻧﻘﻄﺔ رﺋﻴﺴﻴﺔ ﰲ ﻋﻤﻠﻴﺔ إمتﺎم اﳌﻌﺎﻣﻠﺔ ﺣﻴﺚ أﻧﻬﺎ ﺗﻌﻄﻴﻪ اﻟﺤﻖ ﰲ إﻟﻐﺎء‬ ‫ﻋﻤﻠﻴﺔ اﻟﴩاء ﰲ ﺣﺎﻟﺔ ﻋﺪم رﺿﺎه ﻋﻦ ﺑﻌﺾ اﻟﺒﻨﻮد اﻟﻮاردة ﰲ اﻟﺘﻘﺮﻳﺮ‪.‬‬ ‫وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﻟﴬوري ﺗﺤﻠﻴﻞ ﻟﻴﺲ ﻓﻘﻂ اﻟﺘﻘﺮﻳﺮ‪ ،‬وﻟﻜﻦ ﺟﻤﻴﻊ‬ ‫اﳌﻮاد اﻻﺣﺘﻴﺎﻃﻴﺔ اﻟﺘﻲ ﺗﺘﻌﻠﻖ ﺑﻜﻞ ﺑﻨﺪ ﻣﻦ اﻟﺒﻨﻮد اﳌﺬﻛﻮرة ﻓﻴﻪ‪ .‬ﺧﻼف‬ ‫ذﻟﻚ‪ ،‬ﻗﺪ ﻳﻴﻘﻮم اﳌﺸﱰي ﰲ ﻧﻬﺎﻳﺔ اﳌﻄﺎف ﺑﴩاء اﻟﻌﻘﺎر ﰲ ﻋﺠﻠﺔ ﻣﻦ‬ ‫اﻣﺮه وﻟﻜﻨﻪ ﺳﻮف ﻳﺄﺳﻒ ﻋﲆ ﺗﻌﺠﻠﻪ ﻫﺬا ﰲ وﻗﺖ ﻻﺣﻖ‪.‬‬

‫‪www.valoran.ae‬‬

‫اﻟﻄﻮارئ ﻫﻲ ﻣﻦ ﺿﻤﻦ اﻟﺒﻨﻮد اﳌﺪرﺟﺔ ﰲ اﺗﻔﺎﻗﻴﺔ اﻟﴩاء اﻟﺘﻲ ﺗﺴﻤﺢ‬ ‫إﻣﺎ ﻟﻠﻤﺸﱰي أو اﻟﺒﺎﺋﻊ ﺑﺎﻟﱰاﺟﻊ ﻋﻦ ﻫﺬه اﳌﻌﺎﻣﻠﺔ‪ ،‬إذا مل ﻳﻜﻦ راﺿﻴﺎ‬ ‫ﻋﻦ ﺑﻌﺾ اﻟﺒﻨﻮد‪ .‬ﻋﺎدة‪ ،‬ﻳﻘﻮم اﻟﻀﺎﻣﺖ ﺑﺘﺘﺒﻊ ﻫﺬه اﻟﺤﺎﻻت اﻟﻄﺎرﺋﺔ‪،‬‬ ‫وﻟﻜﻦ ﺗﻌﺪ ﻣﺴﺆوﻟﻴﺔ اﳌﺸﱰي أو اﻟﺒﺎﺋﻊ إﻋﻼﻣﻪ ﰲ ﺣﺎل وﻗﻮع اﻟﻄﻮارئ‪،‬‬ ‫ﺑﺤﻴﺚ ﻳﺘﻢ اﻟﺘﻔﺎوض ﻣﻊ اﻟﻄﺮف اﻵﺧﺮ أو اﺗﺨﺎذ ﻗﺮار ﺑﺸﺄن اﳌﺴﺎر‬ ‫اﻟﺘﺎﱄ‪ .‬ميﻜﻦ اﳌﻮاﻓﻘﺔ ﻋﲆ اﻟﻄﻮارئ‪ ،‬أو رﻓﻀﻬﺎ أو اﻟﺘﻨﺎزل ﻋﻨﻬﺎ ﻣﻦ ﻗﺒﻞ‬ ‫اﳌﺴﺘﻔﻴﺪ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﺣﺎﻟﺔ اﻟﻄﻮارئ اﻟﺸﺎﺋﻌﺔ وﻫﻲ اﻟﻮﻗﺖ‬ ‫اﳌﺤﺪد ﳌﻌﺎﻳﻨﺔ اﻟﻌﻘﺎر‪ .‬وﻟﻜﻦ ﻗﺪ ﻻ ﻳﺘﻢ ذﻟﻚ دامئﺎً ﰲ اﻟﻮﻗﺖ اﳌﺤﺪد‪.‬‬ ‫ﰲ ﻣﺜﻞ ﻫﺬه اﻟﺤﺎﻟﺔ‪ ،‬ﻳﻜﻮن ﻟﺪى اﻟﺒﺎﺋﻊ ﺧﻴﺎر ﻗﺒﻮل اﻟﻄﻮارئ ورﻓﺾ‬ ‫دﺧﻮل اﳌﺸﱰي ﳌﻌﺎﻳﻨﺔ اﻟﻌﻘﺎر‪ .‬ﺑﺪﻻً ﻣﻦ ذﻟﻚ‪ ،‬ميﻜﻨﻪ اﻟﺘﻨﺎزل ﻋﻦ‬ ‫اﻟﻄﻮارئ أو رﻓﻀﻬﺎ ﳌﻨﺢ اﳌﺸﱰي وﻗﺘﺎً إﺿﺎﻓﻴﺎً ﻻﺳﺘﻜامل اﳌﻌﺎﻳﻨﺔ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫وﻣﻊ ذﻟﻚ‪ ،‬ﻳﻨﺒﻐﻲ ﺗﻮﺧﻲ اﻟﺤﺬر ﻋﻨﺪ ﻓﺘﺢ ﺣﺴﺎﺑﺎت اﻟﻀامن وذﻟﻚ‬ ‫ﻟﻀامن أن أﻣﻮاﻟﻚ ﻣﺤﻤﻴﺔ وآﻣﻨﺔ‪ .‬ﰲ ﻫﺬا اﻟﺪرس‪ ،‬ﺳﻮف ﻧﻮﺿﺢ ﻟﻚ‬ ‫ﻋﻤﻠﻴﺔ ﺗﻌﻴني اﻟﻀامن وﻓﻬﻢ اﻟﻌﻤﻠﻴﺔ اﻟﺘﻲ ﻳﺘﻀﻤﻨﻬﺎ‪..‬‬

‫اﻟﻀامن ﻫﻮ وﺳﻴﻠﺔ ﻣﻌﺮوﻓﺔ ﺗﺴﺘﺨﺪم ﰲ اﳌﺮاﺣﻞ اﻟﻨﻬﺎﺋﻴﺔ ﻣﻦ إمتﺎم‬ ‫اﻟﺼﻔﻘﺎت اﻟﻌﻘﺎرﻳﺔ‪ ،‬ﺣﻴﺚ ﻳﻌﻤﻞ ﻃﺮف ﺛﺎﻟﺚ ﻛﻮﺳﻴﻂ ﻣﺤﺎﻳﺪ ﻟﺘﺴﻬﻴﻞ‬ ‫اﻻﻧﺘﻬﺎء اﻟﺴﻠﺲ ﻟﻼﺗﻔﺎق‪ .‬ﺗﻌﻴني اﻟﻀامن ﻋﺎدة ﻣﺎ ﻳﺘﻢ مبﺠﺮد ﺗﻮﻗﻴﻊ ﻋﻘﺪ‬ ‫اﻟﴩاء ﻣﻦ ﻗﺒﻞ اﳌﺸﱰي واﻟﺒﺎﺋﻊ‪ .‬ﰲ ﻫﺬه اﳌﺮﺣﻠﺔ‪ ،‬ﻳﺘﻢ ﺗﺤﻮﻳﻞ اﻟﻌﺮﺑﻮن‬ ‫أو اﻟﺪﻓﻌﺔ اﻟﺠﺰﺋﻴﺔ اﻟﺘﻲ ﻳﺠﺐ أن ﻳﻌﻄﻴﻬﺎ اﳌﺸﱰي إﱃ اﻟﺒﺎﺋﻊ ﻛﺈﺛﺒﺎت‬ ‫ﻟﺤﺴﻦ ﻧﻴﺘﻪ ﰲ اﻟﴩاء إﱃ ﻃﺮف ﺛﺎﻟﺚ‪ ،‬ﻳﺤﺘﻔﻆ ﺑﻬﺎ ﰲ ﺣﺴﺎب اﻟﻀامن‬ ‫اﻟﺬي ﻳﻨﺸﺄ ﺑﺎﺳﻢ اﳌﺸﱰي‪.‬‬

‫ﺣﺪوث أي ﻧﺰاع‪ .‬إرﺷﺎدات اﻟﻀامن ﺗﺼﺒﺢ ﻣﻠﺰﻣﺔ مبﺠﺮد ﻣﻮاﻓﻘﺔ اﻟﻄﺮﻓني‬ ‫ﻋﲆ اﻟﴩوط واﻟﺘﻮﻗﻴﻊ ﻋﲆ اﻟﻮﺛﻴﻘﺔ‪ .‬ﰲ ﺣﺎﻟﺔ وﺟﻮد ﺧﻼف ﺑني اﻟﺒﺎﺋﻊ‬ ‫واﳌﺸﱰي ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﻹرﺷﺎدات‪ ،‬ﻻ ميﻜﻦ إمتﺎم اﳌﻌﺎﻣﻠﺔ ﺣﺘﻰ ﻳﺼﻞ‬ ‫اﻟﻄﺮﻓﺎن إﱃ ﺗﻮاﻓﻖ ﰲ اﻵراء‪.‬‬ ‫مبﺠﺮد اﻟﺘﻮﻗﻴﻊ ﻋﲆ اﻹرﺷﺎدات‪ ،‬ﻻ ميﻜﻦ ﻟﻠﻀﺎﻣﻦ أن ﻳﺠﺮي أي ﺗﻐﻴريات‬ ‫ﻋﻠﻴﻬﺎ‪ .‬ﻻ ميﻜﻦ إﺟﺮاء أي ﺗﻌﺪﻳﻞ ﻋﲆ اﻹرﺷﺎدات إﻻ مبﻮﺟﺐ ﻣﻮاﻓﻘﺔ‬ ‫ﻛﺘﺎﺑﻴﺔ أو ﺗﻨﻔﻴﺬ أﻣﺮ اﻟﺘﻐﻴري اﳌﻮﻗﻊ ﻣﻦ اﻟﻄﺮﻓني‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﺗﻌﺪ إرﺷﺎدات‬ ‫اﻟﻀامن ﻫﺎﻣﺔ وﻳﻨﺒﻐﻲ ﻣﺮاﺟﻌﺘﻬﺎ ﺗﻔﺼﻴﻼً ﻗﺒﻞ اﻟﺘﻮﻗﻴﻊ ﻋﻠﻴﻬﺎ‪.‬‬

‫ﻟﻴﺲ ﻣﻦ ﻏري اﳌﺄﻟﻮف أن ﺗﻜﻮن ﻫﻨﺎك ﻧﺰاﻋﺎت ﺑني اﳌﺸﱰي و اﻟﺒﺎﺋﻊ‬ ‫ﺣﺘﻰ ﻳﺘﻢ إﻧﻬﺎء اﳌﻌﺎﻣﻠﺔ‪ ،‬ﻷن ﻛﻼ ﻣﻨﻬام ﻟﻪ ﻣﺼﺎﻟﺢ ﻣﺨﺘﻠﻔﺔ‪ .‬اﻟﻀﺎﻣﻦ‪،‬‬ ‫ﻫﻮ اﻟﻄﺮف اﻟﺜﺎﻟﺚ اﳌﺤﺎﻳﺪ‪ ،‬اﻟﺬي ﻳﺴﺎﻋﺪ ﰲ اﻟﺘﻨﺴﻴﻖ ﺑني اﻟﻄﺮﻓني وﺣﻞ‬ ‫ﻫﺬه اﻟﺨﻼﻓﺎت ﺑﺤﻴﺚ ﻳﺘﻢ اﻹﻧﺘﻬﺎء ﻣﻦ اﳌﻌﺎﻣﻠﺔ‪ .‬ﺣﺘﻰ ذﻟﻚ اﻟﺤني‪،‬‬ ‫ﻳﻜﻮن اﳌﺎل آﻣﻨﺎً ﰲ ﺣﺴﺎب اﻟﻀامن‪.‬‬ ‫ﻣﻌﻈﻢ وﻛﻼء اﻟﻌﻘﺎرات ﻳﺴﺎﻋﺪون اﳌﺸﱰﻳﻦ ﰲ ﺗﺤﺪﻳﺪ اﻟﻀﺎﻣﻦ‬ ‫اﳌﻨﺎﺳﺐ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻣﻦ اﳌﻬﻢ أن ﻧﻌﺮف أن دور اﻟﻀﺎﻣﻦ ﻳﺨﺘﻠﻒ‬ ‫اﻋﺘامدا ً ﻋﲆ اﻟﻘﻮاﻧني اﳌﺤﻠﻴﺔ‪ .‬ﻣﻦ ﻣﺼﻠﺤﺔ اﳌﺸﱰي اﻟﺤﺼﻮل ﻋﲆ‬ ‫ﺿﺎﻣﻦ ﻟﻠﻘﻴﺎم مبﻬﺎﻣﻪ وذﻟﻚ ﻟﻠﺤﺼﻮل ﻋﲆ ﻓﻬﻢ أﻓﻀﻞ ﻟﻠﻜﻴﻔﻴﺔ اﻟﺘﻲ‬ ‫ميﻜﻨﻪ أن ﻳﺴﺎﻋﺪه ﺑﻬﺎ ﻹمتﺎم اﳌﻌﺎﻣﻠﺔ ﳌﺼﻠﺤﺔ اﳌﺸﱰي‪.‬‬

‫دور اﻟﻀﺎﻣﻦ ﻳﺸﻤﻞ إﻋﺪاد إرﺷﺎدات اﻟﻀامن اﻟﺘﻲ ﺗﻜﻮن مبﺜﺎﺑﺔ دﻟﻴﻞ‬ ‫ﻟﺤﺎﻻت اﻟﻄﻮارئ اﳌﺨﺘﻠﻔﺔ ﰲ اﳌﻌﺎﻣﻠﺔ ﺑني اﳌﺸﱰي واﻟﺒﺎﺋﻊ‪ .‬وﺗﺴﺘﻨﺪ‬ ‫اﻹرﺷﺎدات ﻋﲆ ﴍوط ﻣﺘﻔﻖ ﻋﻠﻴﻬﺎ ﻣﻦ ﻗﺒﻞ اﻟﻄﺮﻓني ﰲ اﺗﻔﺎق اﻟﴩاء‪.‬‬ ‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن اﻟﴩوط ﻣﺴﺘﻤﺪة ﻣﻦ اﺗﻔﺎق اﻟﴩاء‪ ،‬ﻓﺈﻧﻪ ﻣﻦ‬ ‫اﻟﺤﻜﻤﺔ ﻣﺮاﺟﻌﺔ ﻛﻞ ﴍط ﻟﺤامﻳﺔ ﻣﺼﺎﻟﺢ اﻟﻄﺮﻓني ﻗﺒﻞ اﻟﺘﻮﻗﻴﻊ ﻋﲆ‬ ‫اﻟﻮﺛﻴﻘﺔ ﻷﻧﻬﺎ ﺗﺤﺘﻮي أﻳﻀﺎً ﻋﲆ إرﺷﺎدات ﺣﻮل ﻛﻴﻔﻴﺔ اﻟﺘﻌﺎﻣﻞ ﻋﻨﺪ‬ ‫‪23‬‬

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‫مبﺠﺮد إمتﺎم ﻋﻘﺪ اﻟﻌﻘﺎر‪ ،‬ﺗﻜﻮن اﻟﺨﻄﻮة اﻟﺘﺎﻟﻴﺔ ﻫﻲ ﺗﻌﻴني اﻟﻀامن‪ .‬ﻫﺬا ﺳﻮف ﻳﻌﻄﻴﻚ اﻟﻔﺮﺻﺔ ﻻﺳﺘﻜامل‬ ‫اﻟﻌﻨﺎﻳﺔ اﻟﻮاﺟﺒﺔ اﻟﺮﺳﻤﻴﺔ )ﺗﺨﺘﻠﻒ ﻋﻦ اﻟﻌﻨﺎﻳﺔ اﻟﻮاﺟﺒﺔ اﻟﻐري رﺳﻤﻴﺔ اﻟﺘﻲ ﻗﻤﺖ ﺑﻬﺎ ﻗﺒﻞ ﻗﻴﺎﻣﻚ ﺑﻬﺬا اﻟﻌﺮض(‬ ‫وﻣﻌﺎﻳﻨﺔ اﻟﻌﻘﺎر ﻟﻠﺘﺄﻛﺪ ﻣﻦ ﻋﺪم وﺟﻮد أي ﺗﺤﺮﻳﻒ ﻣﻦ ﻗﺒﻞ اﻟﺒﺎﺋﻊ‪ .‬ﻣﻦ وﺟﻬﺔ ﻧﻈﺮ اﻟﺒﺎﺋﻊ‪ ،‬ﻓﺘﺢ ﺣﺴﺎب‬ ‫اﻟﻀامن اﻟﺬي ﺳﻮف ﻳﻮدع ﻓﻴﻪ اﳌﺎل ﻣﺆﻗﺘﺎً ﺣﺘﻰ ﻳﻘﺘﻨﻊ اﳌﺸﱰي متﺎﻣﺎً ﺑﻜﻞ ﻣﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻟﻌﻘﺎر‪ ،‬وﻳﻜﻮن مبﺜﺎﺑﺔ‬ ‫ﺗﺄﻛﻴﺪ ﺑﺄن اﳌﺸﱰي ﺟﺎد ﰲ ﴍاء اﻟﻌﻘﺎر‪.‬‬

‫‪www.valoran.ae‬‬

Valoran Real Estate Brokers Your Lifestyle Broker

AVAILABILITY VS. NET ABSORPTION VS.ASKING RENTS - CLASS A $ 40

200 160

$ 30

120

$ 20

80 40

$ 10

0

$0 3Q10

3Q11

AVAILABILITY

NET ABSORPTION

. . .

.

21

3Q12

3Q13 ASKING RENTS

‫‪- 14‬‬

‫‪2014‬‬

‫ﻣﻦ ﺟﻬﺔ اﻟﻌﻘﺎرات اﳌﻜﺘﺒﻴﺔ‪ ،‬ﰲ ﻋﺎﺻﻤﺔ اﻟﺒﻼد‪ ،‬ﺑﻮﻏﻮﺗﺎ‪ ،‬ﺑﻌﺪ اﻻﻧﺨﻔﺎض‬ ‫اﳌﺴﺘﻤﺮ ﻣﻨﺬ ﻋﺎم ‪ ،2010‬إرﺗﻔﻌﺖ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ اﳌﺘﻤﻴﺰة ﻣﻦ‬ ‫اﻟﻔﺌﺔ )أ( ﺑﻨﺴﺒﺔ ‪ 2.9‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪) 2013‬ﻣﻘﺎرﻧﺔ‬ ‫ﺑﺎﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ (2012‬ﺑﺸﻜﻞ ﻛﺒري ﻧﺘﻴﺠﺔ ﻹﺿﺎﻓﺔ اﳌﺨﺰون‬ ‫اﻟﺠﺪﻳﺪ‪ .‬ﰲ ﻋﺎم ‪ ،2014‬ﻣﻦ اﳌﺘﻮﻗﻊ زﻳﺎدة اﳌﺨﺰون ﻟﻴﺼﻞ إﺟامﱄ‬ ‫اﳌﺴﺎﺣﺔ اﳌﺘﻮﻓﺮة إﱃ ‪ 200,000‬ﻣﱰ ﻣﺮﺑﻊ ‪ -‬وﻫﻲ أﻋﲆ ﻧﺴﺒﺔ ﰲ ﺧﻤﺲ‬ ‫ﺳﻨﻮات‪ .‬ﻧﺘﻴﺠﺔ اﳌﺨﺰون اﻹﺿﺎﰲ‪ ،‬ﻣﻦ اﳌﺮﺟﺢ أن ﺗﻘﻞ اﻷﺳﻌﺎر‪ ،‬ﻋﲆ‬ ‫اﻟﺮﻏﻢ ﻣﻦ أﻧﻬﺎ ﺳﻮف ﺗﺴﺘﻘﺮ ﰲ وﻗﺖ ﻻﺣﻖ ﺣﺎﳌﺎً ﻳﺘﻢ ﺷﻐﻞ اﳌﺨﺰون‬ ‫اﻟﺠﺪﻳﺪ‪.‬‬ ‫ﻛﺎن ﻣﻦ اﳌﻘﺮر زﻳﺎدة اﳌﺨﺰون ﺑﻨﺤﻮ ‪ 32,000‬ﻣﱰ ﻣﺮﺑﻊ ﰲ اﻟﺮﺑﻊ‬ ‫اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ 2013‬ﻧﺘﻴﺠﺔ ﺗﺴﻠﻴﻢ أرﺑﻌﺔ ﻣﺸﺎرﻳﻊ ﺟﺪﻳﺪة‪ .‬ﻳﻘﻊ اﺛﻨﺎن‬ ‫ﻣﻨﻬﺎ ﰲ ﺷامل اﳌﺪﻳﻨﺔ‪ ،‬ﺑﻴﻨام ﻳﻘﻊ اﻵﺧﺮان ﰲ اﻟﻐﺮب‪ .‬ﻣﻊ ﺗﺴﻠﻴﻢ‬ ‫اﳌﺸﺎرﻳﻊ اﻟﺠﺪﻳﺪة‪ ،‬إﻧﺨﻔﻀﺖ اﻹﻳﺠﺎرات ﻫﺎﻣﺸﻴﺎً ﺑﻨﺴﺒﺔ ‪ 0.2‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ .2012‬اﻹﻣﺘﺼﺎص‪ ،‬واﻟﺬي ﻛﺎن ﻳﻨﺨﻔﺾ‬ ‫ﺑﺸﻜﻞ ﻣﺴﺘﻤﺮ ﻣﻨﺬ ﻋﺎم ‪ ،2010‬ﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺮﺗﻔﻊ ﻗﺮﻳﺒﺎً‪ ،‬ﻛام ﺗﺸري‬ ‫اﻟﺘﻮﻗﻌﺎت إﱃ أن اﻟﻄﻠﺐ اﻟﻜﺎﻣﻦ ﺳريﺗﻔﻊ ﻣﻊ منﻮ اﻻﻗﺘﺼﺎد‪.‬‬ ‫‪-‬‬

‫‪STATS ON THE GO‬‬ ‫‪12‬‬

‫‪MONTH‬‬ ‫‪FORECAST‬‬

‫‪www.valoran.ae‬‬

‫‪Y-O-Y‬‬ ‫‪CHANGE‬‬

‫‪3Q 2013‬‬

‫‪3Q 2012‬‬

‫‪2.9pp‬‬

‫‪5.4%‬‬

‫‪2.5%‬‬

‫‪Vacancy‬‬

‫‪-6.2%‬‬

‫‪$33.3‬‬

‫‪$35.5‬‬

‫‪Asking Rents‬‬ ‫)‪(USD/sq.m./month‬‬

‫‪39%‬‬

‫‪32‬‬

‫‪23‬‬

‫‪BOGOTA - CLASS A‬‬

‫)‪New Stock (.000/sq.m.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ‪ ،‬مل ﺗﺘﻐري ﻗﻴﻢ‬ ‫اﻹﻳﺠﺎرات ﻛﺜريا ً ﰲ اﻟﺒﻼد‪ .‬ﰲ اﳌﺪن اﻟﻜﺒرية ﻣﺜﻞ ﺑﻮﻏﻮﺗﺎ‪،‬‬ ‫ﺗﱰاوح ﻋﺎﺋﺪات اﻹﻳﺠﺎر ﺑني ‪ 7-8‬ﰲ اﳌﺎﺋﺔ‪ .‬ﻳﺪﻓﻊ أﺻﺤﺎب‬ ‫اﻟﻌﻘﺎرات أﻳﻀﺎً ﻧﺴﺒﺔ ‪ 15.47‬ﰲ اﳌﺎﺋﺔ ﴐﻳﺒﺔ اﻟﺪﺧﻞ ﻋﲆ‬ ‫إﻳﺮادات اﻹﻳﺠﺎر‪ .‬إﱃ ﺟﺎﻧﺐ ﻫﺬا‪ ،‬ﻓﺈن اﻟﴬﻳﺒﺔ اﻟﺤﺎﻟﻴﺔ‬ ‫ﻋﲆ اﻟﺪﺧﻞ ﻟﻴﺴﺖ ﰲ ﺻﺎﻟﺢ اﳌﺴﺘﺜﻤﺮﻳﻦ اﻷﺟﺎﻧﺐ ﻷن‬ ‫ﴐﻳﺒﺔ اﻟﺪﺧﻞ ﻟﻐري اﳌﻘﻴﻤني ﺛﺎﺑﺘﺔ ﻋﻨﺪ ‪ 33‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫وﻫﺬا ﻳﺸﻤﻞ اﻟﺪﺧﻞ ﻣﻦ أرﺑﺎح رأس اﳌﺎل وﻛﺬﻟﻚ اﻟﺪﺧﻞ‬ ‫ﻣﻦ ﺗﺄﺟري اﻟﻌﻘﺎرات‪ ،‬و اﻟﺬي ﻳﺘﻢ دﻓﻌﻪ ﺑﻨﺴﺒﺔ ‪ 33‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ‪ 3.5‬ﰲ اﳌﺎﺋﺔ ﴐﻳﺒﺔ اﳌﻠﻜﻴﺔ واﻟﺘﻲ‬ ‫ﺗﻌﺘﱪ ﺷﻜﻼً ﻣﻦ أﺷﻜﺎل اﻟﴬﻳﺒﺔ اﳌﻘﺪﻣﺔ‪.‬‬

‫‪-‬‬

‫‪Knigh Frank Global House Price Index‬‬ ‫‪Last Data if‬‬ ‫‪not Q3 2013‬‬

‫‪Q2‬‬ ‫‪Q2‬‬ ‫‪Q2‬‬

‫‪3 - Month‬‬ ‫‪% Change‬‬

‫‪6 - Month‬‬ ‫‪% Change‬‬

‫‪12 - Month‬‬ ‫‪% Change‬‬

‫)‪(Q2 2013-Q3 2013‬‬

‫)‪(Q1 2013-Q3 2013‬‬

‫)‪(Q3 2012-Q3 2013‬‬

‫‪4.5%‬‬ ‫‪5.5%‬‬ ‫‪1.8%‬‬ ‫‪7.4%‬‬ ‫‪2.3%‬‬ ‫‪3.8%‬‬ ‫‪3.0%‬‬ ‫‪2.7%‬‬ ‫‪4.9%‬‬ ‫‪3.2%‬‬

‫‪11.8%‬‬ ‫‪9.7%‬‬ ‫‪3.4%‬‬ ‫‪11.9%‬‬ ‫‪4.5%‬‬ ‫‪7.7%‬‬ ‫‪6.1%‬‬ ‫‪5.9%‬‬ ‫‪9.8%‬‬ ‫‪10.5%‬‬

‫‪28.5%‬‬ ‫‪21.6%‬‬ ‫‪16.1%‬‬ ‫‪15.4%‬‬ ‫‪13.5%‬‬ ‫‪12.5%‬‬ ‫‪11.9%‬‬ ‫‪11.8%‬‬ ‫‪11.2%‬‬ ‫‪11.2%‬‬

‫‪Country‬‬

‫‪Dubai, UAE‬‬ ‫‪China‬‬ ‫‪Hong Kong‬‬ ‫‪Taiwan‬‬ ‫‪Indonesia‬‬ ‫‪Turkey‬‬ ‫‪Brazil‬‬ ‫‪Colombia‬‬ ‫‪Germany‬‬ ‫‪United States‬‬

‫‪Rank‬‬

‫‪1‬‬ ‫‪2‬‬ ‫‪3‬‬ ‫‪4‬‬ ‫‪5‬‬ ‫‪6‬‬ ‫‪7‬‬ ‫‪8‬‬ ‫‪9‬‬ ‫‪10‬‬

‫‪19‬‬

‫‪- 14‬‬

‫‪2014‬‬

‫أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ ﺗﺮﺗﻔﻊ ﺑﺸﻜﻞ ﻣﺴﺘﻤﺮ ﻋﲆ ﻣﺪى‬ ‫اﻟﺴﻨﻮات اﻟﺴﺒﻊ اﳌﺎﺿﻴﺔ‪ .‬وﻓﻘﺎً ﳌﺆﴍ أﺳﻌﺎر اﳌﻨﺎزل اﻟﻌﺎﳌﻴﺔ ﻟﻨﺎﻳﺖ‬ ‫ﻓﺮاﻧﻚ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ ،2013‬إﺣﺘﻠﺖ ﻛﻮﻟﻮﻣﺒﻴﺎ اﳌﺮﺗﺒﺔ اﻟﺘﺎﺳﻌﺔ‬ ‫ﰲ اﻟﻌﺎمل ﻣﻦ ﺣﻴﺚ اﻟﻨﻤﻮ ﰲ أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‪ ،‬وﺳﺠﻠﺖ زﻳﺎدة‬ ‫ﺳﻨﻮﻳﺔ ﻧﺴﺒﺘﻬﺎ ‪ 11.8‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ 2013‬ﻣﻘﺎرﻧﺔ‬ ‫ﺑﻨﻔﺲ اﻟﻔﱰة ﻣﻦ ﻋﺎم ‪.2012‬‬ ‫وﻓﻘﺎ ﻟﺘﻘﺮﻳﺮ ﺻﺎدر ﻋﻦ اﻹدارة اﻟﻮﻃﻨﻴﺔ ﻟﻺﺣﺼﺎء ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ‪ ،‬ﻛﺎن‬ ‫ﺣﻮاﱄ ‪ 19,021,270‬ﻣﱰ ﻣﺮﺑﻊ ﻣﻦ اﳌﺴﺎﺣﺎت اﻟﺴﻜﻨﻴﺔ ﻗﻴﺪ اﻟﺘﻄﻮﻳﺮ ﰲ‬ ‫ﻧﻬﺎﻳﺔ اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ .2012‬وﺷﻜﻠﺖ اﻟﺸﻘﻖ ﺣﻮاﱄ ‪ 63‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ ﻣﺠﻤﻮع اﳌﺸﺎرﻳﻊ اﻟﺴﻜﻨﻴﺔ‪ ،‬ﰲ ﺣني ﺷﻜﻠﺖ اﳌﻨﺎزل ‪ 11‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻓﻘﻂ‪ .‬ﰲ ﺣني ﻛﺎﻧﺖ اﻟﺰﻳﺎدة اﻟﺴﻨﻮﻳﺔ ﰲ ﻣﺠﺎل اﻟﺘﻄﻮﻳﺮ اﻟﻌﻘﺎري‬ ‫اﻟﺴﻜﻨﻲ ﻋﲆ اﻟﺼﻌﻴﺪ اﻟﻮﻃﻨﻲ ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 2‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﰲ أﻛﱪ اﳌﺪن‬ ‫ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ‪ ،‬ﻛﺎﻧﺖ اﳌﻌﺪﻻت أﻋﲆ ﺑﻜﺜري ‪ -‬ﺑﺎراﻧﻜﻴﺎ )‪ 15.4‬ﰲ اﳌﺎﺋﺔ(‪،‬‬ ‫ﻛﺎﱄ )‪ 14.1‬ﰲ اﳌﺎﺋﺔ( وﻣﻴﺪﻟني )‪ 3.3‬ﰲ اﳌﺎﺋﺔ(‪ .‬ﰲ اﻟﻌﺎﺻﻤﺔ‪ ،‬ﺑﻮﻏﻮﺗﺎ‪،‬‬ ‫ﺣﻴﺚ ﻛﺎﻧﺖ ﻧﺤﻮ ‪ 7‬ﻣﻼﻳني ﻣﱰ ﻣﺮﺑﻊ ﻗﻴﺪ اﻹﻧﺸﺎء‪ ،‬ﻓﺈن ﻣﻌﺪل اﻟﻨﻤﻮ‬ ‫إﻧﺨﻔﺾ ﺑﻨﺴﺒﺔ ‪ 1‬ﰲ اﳌﺎﺋﺔ ﻧﻈﺮا ﻟﻘﻠﺔ اﻷراﴈ اﳌﺘﺎﺣﺔ ﻟﻠﺘﻨﻤﻴﺔ‪.‬‬

‫ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ اﻷﺟﺎﻧﺐ‪ ،‬ﻟﻴﺴﺖ ﻫﻨﺎك ﻗﻴﻮد ﻋﲆ ﴍاء اﻟﻌﻘﺎرات‬ ‫اﻟﺴﻜﻨﻴﺔ ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ‪ .‬ﻗﺒﻞ أن ﻳﺘﻢ اﻟﺘﺼﺪﻳﻖ ﻋﲆ ﺑﻴﻊ اﻟﻌﻘﺎرات أو ﻧﻘﻞ‬ ‫ﻣﻠﻜﻴﺘﻬﺎ‪ ،‬ﻳﺠﺐ أن ﻳﺘﻢ اﻹﻧﺘﻬﺎء ﻣﻦ ﺷﻜﻠﻴﺎت ﻣﻌﻴﻨﺔ ﻣﺜﻞ دﻓﻊ اﻟﴬاﺋﺐ‬ ‫وﺗﺴﺠﻴﻞ اﻟﺒﻴﻊ ﰲ ﺻﻮرة ﻋﻘﺪ ﻋﺎم ﰲ اﻟﺴﺠﻞ اﻟﻌﻘﺎري‪ .‬ﺗﻜﺎﻟﻴﻒ‬ ‫اﳌﻌﺎﻣﻼت ﻣﻨﺨﻔﻀﺔ ﻧﺴﺒﻴﺎً‪ ،‬وﺗﱰاوح ﺑني ‪ 6.84‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 8.04‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك ﻣﻴﺰة إﺿﺎﻓﻴﺔ وﻫﻲ ﻋﺪم وﺟﻮد ﻗﻴﻮد‬ ‫ﻋﲆ إﻋﺎدة أرﺑﺎح رأس اﳌﺎل إﱃ ﺑﻠﺪ ﺑﺎﺋﻊ اﳌﻨﺰل‪.‬‬ ‫ﻣﻊ ﺳﻬﻮﻟﺔ اﻟﺤﺼﻮل ﻋﲆ اﻟﻘﺮوض اﻹﺋﺘامﻧﻴﺔ ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات‬ ‫اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ‪ ،‬ومنﻮ دﺧﻞ اﻟﻄﺒﻘﺔ اﻟﻮﺳﻄﻰ‪ ،‬ﻓﺈن اﻟﻄﻠﺐ ﻋﲆ ﴍاء‬ ‫اﳌﻨﺎزل ﻗﺪ ﻳﺴﻬﻢ ﰲ ارﺗﻔﺎع أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﰲ‬ ‫اﻟﺮﺑﻊ اﻷول ﻣﻦ ﻋﺎم ‪ ،2013‬اﺳﺘﻨﺎدا إﱃ ﺗﻘﺮﻳﺮ ﺑﺤﺜﻲ‪ ،‬ﺣﺬر اﻟﺒﻨﻚ‬ ‫اﳌﺮﻛﺰي ﰲ اﻟﺒﻼد أن ﻛﻮﻟﻮﻣﺒﻴﺎ ﻗﺪ ﺗﻜﻮن ﻣﺘﺠﻬﺔ ﻧﺤﻮ ﻓﻘﺎﻋﺔ إﺳﻜﺎﻧﻴﺔ‬ ‫ﻧﺎﺟﻤﺔ ﻋﻦ ﻋﺮوض اﻟﻘﺮوض اﻹﺋﺘامﻧﻴﺔ دون ﻗﻴﻮد واﳌﻀﺎرﺑﺔ ﰲ اﻟﻄﻠﺐ‬ ‫اﻟﺘﻲ ﺗﻨﺸﺄ ﻧﺘﻴﺠﺔ ﻟﺰﻳﺎدة اﻻﺳﺘﺜامرات ﰲ ﻗﻄﺎﻋﺎت اﻟﺼﻨﺎﻋﺔ اﻟﺮﺋﻴﺴﻴﺔ‬ ‫ﻣﺜﻞ اﻟﻔﺤﻢ‪ ،‬اﻟﻨﻔﻂ واﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ‪.‬‬

‫)‪GDP Growth & Inflation Rate (%‬‬ ‫‪10‬‬ ‫‪8‬‬ ‫‪6‬‬ ‫‪4‬‬ ‫‪2‬‬ ‫‪0‬‬ ‫‪‘12‬‬

‫‪‘10‬‬

‫‪‘08‬‬

‫‪‘06‬‬ ‫‪Inflation Rate‬‬

‫‪‘04‬‬

‫‪‘02‬‬

‫‪‘00‬‬

‫‪GPD Growth‬‬

‫‪Source: www.globalpropertyguide.com‬‬

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‫وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈن اﻟﺒﻠﺪ ﻻ ﻳﺰال ﻟﺪﻳﻪ ﻗﻀﺎﻳﺎ أﻣﻨﻴﺔ‪ ،‬وﻣﻊ ﺗﻘﺮﻳﺮ اﻟﺒﻨﻚ‬ ‫اﳌﺮﻛﺰي )ﰲ أواﺋﻞ ﻋﺎم ‪ (2013‬ﻹﻣﻜﺎﻧﻴﺔ ﺣﺪوث ﻓﻘﺎﻋﺔ ﰲ ﺳﻮق‬ ‫اﻹﺳﻜﺎن‪ ،‬ﻳﺴﺘﻤﺮ وﺟﻮد ﻋﻨﴫ ﻣﺨﺎﻃﺮة ﻣﺮﺗﺒﻂ ﺑﺎﻻﺳﺘﺜامر ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ‪.‬‬ ‫ﻣﻦ ﻧﺎﺣﻴﺔ أﺧﺮى‪ ،‬ﻣﻊ زﻳﺎدة اﻟﻨﻤﻮ ﰲ دﺧﻞ اﻟﻄﺒﻘﺔ اﻟﻮﺳﻄﻰ اﻟﻜﻮﻟﻮﻣﺒﻴﺔ‪،‬‬ ‫ﻣام ﻳﺠﻌﻞ اﻻﺳﺘﺜامر ﰲ ﺳﻮق اﻟﻌﻘﺎرات اﻟﻴﻮم ﻗﺪ ﻳﺤﻘﻖ زﻳﺎدة ﰲ رأس‬ ‫اﳌﺎل‪ ،‬وﻋﺎﺋﺪات اﻹﻳﺠﺎر ﰲ اﳌﺴﺘﻘﺒﻞ ﻋﻨﺪﻣﺎ ﻳﺰﻳﺪ اﻟﻄﻠﺐ ﻋﲆ اﻟﻌﻘﺎرات‬ ‫ﰲ اﳌﺪن اﻟﻜﱪى ﳌﻮاﻛﺒﺔ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي‪.‬‬

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‫‪- 14‬‬

‫‪2014‬‬

‫ﻣﻦ أﻣﺔ ﻛﺎﻧﺖ ﻗﺒﻞ ﺧﻤﺴﺔ ﻋﴩ ﻋﺎﻣﺎً ﺗﻌﺞ ﺑﺎﻟﺜﻮرات وﻋﺼﺎﺑﺎت اﳌﺨﺪرات‪ ،‬أﺣﺮزت ﻛﻮﻟﻮﻣﺒﻴﺎ ﺗﺤﺴﻨﺎً ﰲ‬ ‫اﻟﺴﻨﻮات اﻷﺧرية ﻣﻊ اﻗﺘﺼﺎد ﻳﻨﻤﻮ ﺑﺸﻜﻞ ﻣﺴﺘﻤﺮ وﻛﺎﻧﺖ ﻣﻦ ﺑني اﻟﺪول اﻟﻘﻠﻴﻠﺔ اﻟﺘﻲ ﻇﻠﺖ ﻣﺴﺘﻘﺮة ﺧﻼل‬ ‫اﻷزﻣﺔ اﻻﻗﺘﺼﺎدﻳﺔ اﻟﺘﻲ أﺛﺮت ﻋﲆ ﻣﻌﻈﻢ اﻟﺒﻠﺪان ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ .‬وﻗﺪ أﺳﻔﺮ ﻋﻘﺪﻳﻦ ﻣﻦ ﺗﺪاﺑري اﻟﺘﺤﺮر‬ ‫اﻟﺘﻲ إﺗﺨﺬﺗﻬﺎ اﻟﺤﻜﻮﻣﺔ ﰲ أن ﻳﻨﻈﺮ إﱃ اﻟﺒﻼد ﺑﺎﻋﺘﺒﺎرﻫﺎ واﺣﺪة ﻣﻦ اﻻﻗﺘﺼﺎدات اﻷﻛرث دﻳﻨﺎﻣﻴﻜﻴﺔ ﰲ أﻣﺮﻳﻜﺎ‬ ‫اﻟﺠﻨﻮﺑﻴﺔ‪ .‬ﰲ اﻟﻮاﻗﻊ‪ ،‬اﻧﻬﺎ ﺛﺎﻟﺚ أﻛﱪ اﻗﺘﺼﺎد ﰲ اﳌﻨﻄﻘﺔ ﺑﻌﺪ اﻟﱪازﻳﻞ واﻷرﺟﻨﺘني‪ ،‬و ﺗﺴﺘﻌﺪ ﻟﺘﺤﻞ ﻣﺤﻞ اﻷﺧرية‬ ‫ﰲ اﳌﺮﻛﺰ اﻟﺜﺎين ﻋﲆ ﻣﺪى اﻟﻌﺎﻣني اﳌﻘﺒﻠني‪ .‬وﺳﺠﻞ ﻣﻌﺪل منﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ ﰲ اﻟﺮﺑﻊ‬ ‫اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ 2013‬زﻳﺎدة ﺳﻨﻮﻳﺔ ﺑﻨﺴﺒﺔ ‪ 4.2‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻛﺎن ﻣﻌﺪل اﻟﺘﻀﺨﻢ ﻗﺪ إﻧﺨﻔﺾ ﻛﺬﻟﻚ ﺑﺸﻜﻞ‬ ‫ﻧﺴﺒﻲ‪.‬‬ ‫ﻣﻦ ﻣﻜﺎن ﻻ ﻳﻌﺘﱪ ﻣﺤﻞ إﺳﺘﺜامر ﻋﻘﺎري ﻣﺤﺘﻤﻞ‪ ،‬ﺗﺤﻮﻟﺖ اﻟﺒﻼد إﱃ وﺟﻬﺔ ذات اﺣﺘامﻻت ﺟﻴﺪة ﻟﺰﻳﺎدة رأس‬ ‫اﳌﺎل وﻛﺬﻟﻚ ﻋﺎﺋﺪات اﻹﻳﺠﺎر‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻣﻊ اﻋﺎدة ﻇﻬﻮر اﻻﺳﺘﻘﺮار اﻟﺴﻴﺎﳼ‪ ،‬ﺟﻌﻠﺖ اﻟﴩﻛﺎت‬ ‫اﻷﺟﻨﺒﻴﺔ ﺗﻘﻮم ﺑﺎﻻﺳﺘﺜامرات ﻣﺮة أﺧﺮى ﰲ ﻛﻮﻟﻮﻣﺒﻴﺎ‪ ،‬ﻛام زادت ﻣﻌﺪﻻت اﻟﺴﻴﺎﺣﺔ ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ‬ ‫اﳌﺎﺿﻴﺔ‪ .‬ﻣﻊ ﻫﺬا‪ ،‬ﺳﺠﻠﺖ اﻟﻌﻘﺎرات اﻟﺘﺠﺎرﻳﺔ أﻳﻀﺎً إرﺗﻔﺎﻋﺎً ﰲ اﻷﺳﻌﺎر‪.‬‬

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‫ﻣﻴﻜﻴﻤﻮﺗﻮ‪ ،‬واﻟﺘﻲ ﺗﺸﺘﻬﺮ ﺑﻠﺆﻟﺆﻫﺎ اﻟﺜﻘﺎﰲ‪ ،‬ﻟﺪﻳﻬﺎ ﺗﺎرﻳﺦ ﺣﺎﻓﻞ ﺑﺪءا ً ﻣﻦ‬ ‫ﻋﺎم ‪ ،1893‬ﻋﻨﺪﻣﺎ ﻗﺎم ﻣﺆﺳﺴﻬﺎ ﻛﻮﻳﺘﴚ ﻣﻴﻜﻴﻤﻮﺗﻮ‪ ،‬اﻟﺬي ﺣﻤﻞ إﻧﺒﻬﺎرا ً‬ ‫ﺑﺎﻟﻠﺆﻟﺆ اﻟﻄﺒﻴﻌﻲ‪ ،‬ﻧﺠﺤﺖ ﰲ ﺗﻄﻮﻳﺮ ﻃﺮﻳﻘﺔ ﻟﺰراﻋﺔ اﻟﻠﺆﻟﺆ اﻟﺘﻲ ﺗﻄﺎﺑﻖ‬ ‫أﺟﻮد اﻟﻶﻟﺊ اﻟﻄﺒﻴﻌﻴﺔ ﻣﻦ ﺣﻴﺚ اﻟﺠامل‪ .‬ﻧﺠﻞ ﺻﺎﺣﺐ ﻣﺘﺠﺮ‬ ‫اﳌﻌﻜﺮوﻧﺔ‪ ،‬ﻗﺎل اﻧﻪ ﻧﺎﺿﻞ ﻷﻛرث ﻣﻦ ﺧﻤﺲ ﺳﻨﻮات ﻗﺒﻞ أن ﻳﻨﺠﺢ ﰲ‬ ‫ﻋﺎم ‪ 1893‬وﻳﺆﺳﺲ ﴍﻛﺔ ﺗﺤﻤﻞ اﻻﺳﻢ ﻧﻔﺴﻪ واﻟﺘﻲ أﺻﺒﺤﺖ واﺣﺪة‬ ‫ﻣﻦ اﻟﻌﻼﻣﺎت اﻟﺘﺠﺎرﻳﺔ اﻟﻴﺎﺑﺎﻧﻴﺔ اﻟﻔﺎﺧﺮة اﻟﺮاﺋﺪة ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪.‬‬ ‫ﰲ اﻹﺣﺘﻔﺎل ﺑﺘﺎرﻳﺨﻬﺎ ﻋﲆ ﻣﺪى ‪ 120‬ﻋﺎﻣﺎً‪ ،‬أﻃﻠﻘﺖ اﻟﴩﻛﺔ ﻣﺠﻤﻮﻋﺔ‬ ‫ﻓﻮر ﺳﻴﺰوﻧﺰ اﻟﺨﺎﺻﺔ اﻟﺘﻲ ﺗﺘﻤﻴﺰ ﺑﺘﺴﻊ ﻗﻄﻊ ﻓﺮﻳﺪة ﻣﻦ اﳌﺠﻮﻫﺮات‬ ‫اﳌﺴﺘﻮﺣﺎة ﻣﻦ ﺟامل ﻛﻞ ﻣﻮﺳﻢ ﻣﻦ ﻣﻮاﺳﻢ اﻟﻌﺎم‪ .‬ﻣﺠﻤﻮﻋﺔ اﻟﺸﺘﺎء‬ ‫ﺗﺘﻤﻴﺰ ﺑﻶﻟﺊ ﺑﺤﺮ اﻟﺠﻨﻮب اﻟﺒﻴﻀﺎء اﳌﻮﺿﻮع ﻋﲆ اﻟﺬﻫﺐ اﻷﺑﻴﺾ ﻣﻊ‬ ‫اﻷﺣﺠﺎر اﻟﻜﺮميﺔ اﻟﺠﻠﻴﺪﻳﺔ اﳌﻠﻮﻧﺔ ﻣﺜﻞ اﳌﺎس‪ ،‬اﻟﻴﺎﻗﻮت وﺑﺎراﻳﺒﺎ‬

‫ﴍﻛﺔ ﺻﻨﺎﻋﺔ اﻟﺴﻴﺎرات اﻷﳌﺎﻧﻴﺔ ﺑﻮرش واﻟﴩﻛﺔ اﻟﻜﻨﺪﻳﺔ اﳌﺼﻨﻌﺔ‬ ‫ﻟﻠﻬﺎﺗﻒ اﻟﺬيك ﺑﻼك ﺑريي ﺗﺤﺎوﻻن ﺗﻜﺮار ﻧﺠﺎح ﺗﻌﺎوﻧﻬام ﻋﲆ اﻟﻬﺎﺗﻒ‬ ‫اﻟﺬيك ﺑﻮرش دﻳﺰاﻳﻦ‪ ،P'9981‬واﻟﺬي ﻛﺎن ﻗﺪ ﺣﻘﻖ أﻋﲆ ﻣﺒﻴﻌﺎت ﰲ‬ ‫اﻟﻌﺎم اﳌﺎﴈ ﰲ ﻣﺤﻼت ﻫﺎرودز‪ .‬اﻟﻨﻤﻮذج اﻟﺠﺪﻳﺪ ‪ -‬اﻟﻬﺎﺗﻒ اﻟﺬيك‬ ‫ﺑﻮرش دﻳﺰاﻳﻦ ‪ - P'9982‬ﺳﻴﻜﻮن أول ﻫﺎﺗﻒ ﻳﻌﻤﻞ ﺑﺎﻟﻠﻤﺲ ﻣﻦ ﺑﻼك‬ ‫ﺑريي‪ .‬وﻳﺤﺘﻮي اﻟﻬﺎﺗﻒ ﻋﲆ إﻃﺎر ﻣﻦ اﻟﺴﺘﺎﻧﻠﺲ ﺳﺘﻴﻞ ﻣﻊ ﳌﺴﺔ ﻣﻦ‬ ‫اﻟﺴﺎﺗﺎن وﻇﻬﺮ ﻣﻦ اﻟﺠﻠﺪ اﻹﻳﻄﺎﱄ اﳌﺼﻨﻮع ﻳﺪوﻳﺎً‪.‬‬ ‫‪ P’9982‬ﺳﻮف ﻳﺘﻀﻤﻦ إﺻﺪار ﻣﺨﺼﺺ ﻣﻦ أﺣﺪث ﻧﻈﺎم ﺗﺸﻐﻴﻞ ﺑﻼك‬ ‫ﺑريي )‪ ،(10.2‬واﻟﺬي ﻳﺄيت ﻣﻊ ﻋﻘﺎرب ﺳﺎﻋﺔ ﻋﲆ ﻏﺮار وورﻟﺪ ﺗﺎميﺮ –‬ ‫ﺳﺎﻋﺔ ﺑﻮرش دﻳﺰاﻳﻦ ‪ -‬وﺳﻮف ﻳﺘﻀﻤﻦ ﻋﲆ‪ BBM PIN‬ﻷﺻﺤﺎب ﻫﺬا‬ ‫اﳌﻮدﻳﻞ‪ .‬وﺳﻮف ﻳﺤﺘﻮي ﻛﺬﻟﻚ ﻋﲆ ﻣﻴﺰة ﻟﻮﺣﺔ اﳌﻔﺎﺗﻴﺢ اﻟﺬﻛﻴﺔ‬ ‫اﻟﺠﺪﻳﺪة ﻣﻦ ﺑﻼك ﺑريي واﻟﺘﻲ ﺗﺘﻤﺘﻊ ﺑﺨﺪﻣﺔ اﻟﺘﻨﺒﺆ اﻟﻨﴢ اﳌﺘﻘﺪﻣﺔ‪،‬‬ ‫إﱃ ﺟﺎﻧﺐ ﺧﺪﻣﺎت ﻣﺜﻞ ﺑريﻳﻮرﻳﺘﻲ ﻫﺎب ﻹدارة وﺗﺼﻔﻴﺔ اﻟﺮﺳﺎﺋﻞ‬ ‫واﳌﺤﺎدﺛﺎت‪ ،‬و ‪ BBM‬ﻓﻴﺪﻳﻮ اﻟﺬي ﻳﺘﻤﻴﺰ ﺑﺎﻟﻘﺪرة ﻋﲆ ﻣﺸﺎرﻛﺔ اﻟﺸﺎﺷﺔ‪.‬‬ ‫اﻟﻬﺎﺗﻒ اﻟﺬيك ﻣﺘﺎح ﰲ ﻣﺤﻼت ﻫﺎرودز و ﺑﻮرش دﻳﺰاﻳﻦ وﻳﻘﺪر ﺳﻌﺮه‬ ‫ﺑﺤﻮاﱄ ‪ 1990‬دوﻻر‪ .‬وﻫﻨﺎك أﻳﻀﺎ ‪ 500‬ﻗﻄﻌﺔ ﻣﻦ اﻟﻨﺴﺨﺔ اﳌﺤﺪودة‬ ‫ﻣﻦ اﻟﻬﺎﺗﻒ اﻟﺬيك‪ ،‬اﳌﻐﻠﻔﺔ ﺑﺠﻠﺪ اﻟﺘﻤﺴﺎح‪ .‬ﻫﻮاﺗﻒ اﻟﻨﺴﺨﺔ اﳌﺤﺪودة‬ ‫ﺳﻮف ﺗﺘﻮاﻓﺮ ﰲ ﻣﺤﻼت ﻫﺎرودز ﻣﻘﺎﺑﻞ ﺣﻮاﱄ ‪ 3750‬دوﻻر‪.‬‬

‫اﻟﺘﻮرﻣﺎﻟني‪ .‬وﺗﺘﻤﻴﺰ ﻣﺠﻤﻮﻋﺔ اﻟﺮﺑﻴﻊ ﺑﻶﻟﺊ ﺑﺤﺮ اﻟﺠﻨﻮب اﻟﺒﻴﻀﺎء ﻣﻊ‬ ‫اﻟﻴﺎﻗﻮت اﻟﻮردي واﻷرﺟﻮاين‪ ،‬اﳌﺎس‪ ،‬اﻟﺠﻤﺸﺖ وﺑﺎراﻳﺒﺎ اﻟﺘﻮرﻣﺎﻟني‪ .‬أﻣﺎ‬ ‫ﻣﺠﻤﻮﻋﺔ اﻟﺼﻴﻒ ﺗﺘﻤﻴﺰ ﺑﺎﻟﻴﺎﻗﻮت اﻟﻮردي‪ ،‬اﻷﺻﻔﺮ‪ ،‬اﻟﱪﺗﻘﺎﱄ واﻟﻴﺎﻗﻮت‬ ‫اﻷزرق اﳌﺴﺘﻮﺣﻰ ﻣﻦ أﺷﻌﺔ اﻟﺸﻤﺲ إﱃ ﺟﺎﻧﺐ ﻵﻟﺊ ﺑﺤﺮ اﻟﺠﻨﻮب‬ ‫اﻟﺒﻴﻀﺎء‪ ،‬ﰲ ﺣني ﺗﺠﺘﻤﻊ ﻵﻟﺊ ﺑﺤﺮ اﻟﺠﻨﻮب اﻟﺬﻫﺒﻴﺔ إﱃ ﺟﺎﻧﺐ اﻟﻌﻘﻴﻖ‬ ‫واﻟﻴﺎﻗﻮت اﻷﺻﻔﺮ واﻟﱪﺗﻘﺎﱄ ﻻﺳﺘﺤﻀﺎر أﻟﻮان اﻟﺨﺮﻳﻒ‪.‬‬ ‫اﳌﺠﻤﻮﻋﺔ‪ ،‬واﻟﺘﻲ ﺗﺸﻤﻞ اﻷﻗﺮاط‪ ،‬اﻟﻘﻼﺋﺪ واﻟﺨﻮاﺗﻢ‪ ،‬ﻫﻲ ﺗﻜﺮﻳﻢ‬ ‫ﳌﺆﺳﺲ اﻟﴩﻛﺔ وإﺑﺮاز ﻹﺗﻘﺎﻧﻪ ﻟﺘﻘﻨﻴﺔ زراﻋﺔ اﻟﻠﺆﻟﺆ وﻛﺬﻟﻚ ﺣﺮﻓﻴﺘﻪ‬ ‫اﻟﺘﻲ ﺗﺮﺗﺒﻂ ﺑﺎﻟﻌﻼﻣﺔ اﻟﺘﺠﺎرﻳﺔ‪.‬‬

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‫ﺑﻮﻟﻴﻔﻮرم‪ ،‬اﻟﺘﻲ ﺗﺸﺘﻬﺮ ﺑﺄﺛﺎﺛﻬﺎ اﻟﺠﻤﻴﻞ اﳌﺼﻨﻊ ﰲ إﻳﻄﺎﻟﻴﺎ‪ ،‬ﺗﻘﺪم اﻵن‬ ‫ﻟﻠﻌﻤﻼء ﺣﻠﻮل ﺗﺼﻤﻴﻤﻴﺔ ﻣﺨﺼﺼﺔ ﻟﺨﺰاﻧﺎت اﳌﻼﺑﺲ‪ .‬اﻟﺨﺪﻣﺎت‪ ،‬اﻟﺘﻲ‬ ‫ﺗﻨﻄﻮي ﻋﲆ ﺗﻮﺟﻴﻪ اﻟﻌﻤﻼء ﻣﻦ ﺧﻼل اﳌﺮاﺣﻞ اﳌﺨﺘﻠﻔﺔ ﻣﻦ اﻟﺒﺪاﻳﺔ‬ ‫ﺣﺘﻰ ﻧﻬﺎﻳﺔ ﻋﻤﻠﻴﺔ اﻟﺘﺤﺪﻳﺚ أو اﻟﺒﻨﺎء اﻟﺨﺎﺻﺔ ﺑﻬﻢ‪ ،‬ﺗﻬﺪف اﱃ ﺟﻌﻞ‬ ‫ﺧﺰاﻧﺎت اﳌﻼﺑﺲ ﺑﻌﻴﺪة ﻋﻦ ﻛﻮﻧﻬﺎ ﻣﺠﺮد ﻗﻄﻌﺔ وﻇﻴﻔﻴﺔ ﻣﻦ اﻷﺛﺎث‬ ‫اﳌﻨﺰﱄ ﻟﺘﺼﺒﺢ ﻣﻌﱪة ﻋﻦ ﺷﺨﺼﻴﺔ ﺻﺎﺣﺒﻬﺎ‪ .‬اﻟﺘﺼﻤﻴﻢ اﳌﺨﺼﺺ ﻳﺄﺧﺬ‬ ‫ﺑﻌني اﻻﻋﺘﺒﺎر ﻛﻞ اﻟﺘﻔﺎﺻﻴﻞ اﻟﺼﻐرية ﻋﲆ أﺳﺎس اﺣﺘﻴﺎﺟﺎت وﺗﻔﻀﻴﻼت‬ ‫اﻟﻌﻤﻴﻞ ﻟﺨﻠﻖ ﺧﺰاﻧﺔ ﻣﻼﺑﺲ ﻣﺜﺎﻟﻴﺔ‪.‬‬ ‫ﺑﻐﺾ اﻟﻨﻈﺮ ﻋام إذا ﻛﺎن اﻟﻌﻤﻴﻞ ﻳﺒﺤﺚ ﻋﻦ ﺧﺰاﻧﺔ ﻗﺎمئﺔ ﺑﺬاﺗﻬﺎ أو‬ ‫ﺧﺰاﻧﺔ ﰲ ﺻﻮرة ﻏﺮﻓﺔ ميﻜﻨﻪ اﻟﺪﺧﻮل إﻟﻴﻬﺎ‪ ،‬ﻓﺈن ﺣﻞ اﻟﺘﺼﻤﻴﻢ اﳌﺨﺼﺺ‬ ‫ﻳﻨﻄﻮي ﻋﲆ ﻣﺘﺨﺼﺺ ﻣﻦ ﺑﻮﻟﻴﻔﻮرم ﻟﺘﺤﺪﻳﺪ ﻣﺘﻄﻠﺒﺎت و ﻧﻄﺎق‬ ‫اﳌﴩوع وﺗﻘﺪﻳﻢ ﺗﻮﺻﻴﺎت ﺑﺸﺄن اﻟﺤﻞ اﻷﻧﺴﺐ‪ .‬ﺣﺘﻰ أﻧﻪ ﻳﺄﺧﺬ ﰲ‬ ‫اﻻﻋﺘﺒﺎر ﺟﻮاﻧﺐ ﻣﺜﻞ ﻣﺎ إذا ﻛﺎن ﺳﻴﺘﻢ اﺳﺘﺨﺪام اﻟﺨﺰاﻧﺔ ﻣﻦ ﻗﺒﻞ رﺟﻞ‬ ‫أو اﻣﺮأة وﻳﻌﻤﻞ ﻋﲆ ﺗﺤﻠﻴﻞ أﻧﻮاع اﳌﻼﺑﺲ واﻻﻛﺴﺴﻮارات اﻟﺘﻲ ﺳﻴﺘﻢ‬ ‫ﺗﺨﺰﻳﻨﻬﺎ ﻓﻴﻬﺎ‪ .‬ﻣﺘﺨﺼﺺ ﺑﻮﻟﻴﻔﻮرم ﺳﻮف ﻳﺬﻫﺐ إﱃ ﺣﺪ ﺟﻌﻞ ﺗﻘﺪﻳﺮ‬ ‫ﻟﻌﺪد ﻗﻄﻊ اﳌﻼﺑﺲ‪ ،‬اﻷﺣﺬﻳﺔ‪ ،‬اﳌﺠﻮﻫﺮات‪ ،‬رﺑﻄﺎت اﻟﻌﻨﻖ وﻏريﻫﺎ ﻣﻦ‬ ‫اﻹﻛﺴﺴﻮارات اﻟﺘﻲ ميﺘﻠﻜﻬﺎ اﻟﻌﻤﻴﻞ‪ ،‬وذﻟﻚ ﻟﺘﺤﺪﻳﺪ ﻋﺪد اﻷرﻓﻒ‪،‬‬ ‫اﻷدراج أو اﳌﺮﺑﻌﺎت اﻟﺘﻲ ﺳﻮف ﺗﺤﺴﻦ ﻣﻦ وﻇﻴﻔﺔ ﺧﺰاﻧﺔ اﳌﻼﺑﺲ‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈن ﺗﺼﻤﻴﻢ اﻟﺨﺰاﻧﺔ ﻳﺘﺠﺎوز ﻛﻮﻧﻬﺎ ﻣﺠﺮد أداة‪ .‬ﺑﻌﺪ أن ﻳﺘﻢ‬ ‫ﺗﺼﻤﻴﻢ اﳌﻜﺎن‪ ،‬ﻳﺨﺘﺎر اﻟﻌﻤﻴﻞ اﻟﺘﺸﻄﻴﺒﺎت واﳌﻠﺤﻘﺎت اﻷﻓﻀﻞ ﻣﻼءﻣﺔ‬ ‫ﻷﺳﻠﻮﺑﻪ أو ﺷﺨﺼﻴﺘﻪ‪ .‬وﻫﺬا ﻳﺸﻤﻞ اﺧﺘﻴﺎر أﺣﺪ أرﺑﻌﺔ أﻧﻮاع ﻣﺨﺘﻠﻔﺔ‬ ‫ﻣﻦ اﻷﺑﻮاب‪ ،‬وﻣﺠﻤﻮﻋﺔ ﻛﺒرية ﻣﻦ اﻟﺰﺧﺎرف وﻛﺬﻟﻚ اﳌﻮاد اﳌﺼﻨﻊ ﻣﻨﻬﺎ‬ ‫‪www.valoran.ae‬‬

‫اﻷﺑﻮاب واﳌﻘﺎﺑﺾ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك اﳌﻠﺤﻘﺎت ﻣﺜﻞ ﻗﻀﺒﺎن‬ ‫اﻟﺘﻌﻠﻴﻖ‪ ،‬اﻹﺿﺎءة وﺻﻨﺎدﻳﻖ اﻟﺘﻨﻈﻴﻢ‪ ،‬واﻟﺘﻲ ميﻜﻦ اﺧﺘﻴﺎرﻫﺎ ﻹﺿﻔﺎء‬ ‫اﻟﻠﻤﺴﺎت اﻷﺧرية ﻋﲆ اﻟﺨﺰاﻧﺔ‪.‬‬ ‫ﻳﺘﻢ ﺗﺼﻤﻴﻢ ﺧﺰاﻧﺎت ﺑﻮﻟﻴﻔﻮرم ﺑﺎﺳﺘﺨﺪام ﺗﻘﻨﻴﺔ ﻓﺎﺋﻘﺔ وأﻓﻀﻞ اﳌﻨﺘﺠﺎت‬ ‫ذات اﻟﺠﻮدة ﻟﺘﺤﻘﻴﻖ ﻋﻨﴫا ً ﺟﺪﻳﺪا ً ﻣﻦ اﻟﺘﻄﻮر ﰲ ﻣﻨﺰل اﻟﻌﻤﻴﻞ‪.‬‬

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‫ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ ،2013‬اﻧﺨﻔﻀﺖ أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‬ ‫ﰲ ﻣﻨﻄﻘﺔ اﻟﻴﻮرو ﺑﻨﺴﺒﺔ ‪ 1.3‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻌﺎم ﻋﲆ اﺳﺎس ﺳﻨﻮى‪ ،‬ﺑﻴﻨام‬ ‫ﰲ اﻻﺗﺤﺎد اﻷورويب‪ ،‬ﻛﺎﻧﺖ اﻷﺳﻌﺎر ﻣﻨﺨﻔﻀﺔ ﺑﻨﺴﺒﺔ ‪ 0.5‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫وأﺷﺎر أﺣﺪث ﻣﺆﴍ ﻧﴩﺗﻪ ﻳﻮروﺳﺘﺎت ﻟﻸﺳﻌﺎر اﻟﻔﺼﻠﻴﺔ ﰲ اﳌﻨﻄﻘﺘني‬ ‫إﱃ إﻧﺨﻔﺎض ﺑﻨﺴﺒﺔ ‪ 0.6‬ﰲ اﳌﺎﺋﺔ و ‪ 0.7‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫ﺧﻼل اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‪ ،‬ﻗﺎدت اﺳﺘﻮﻧﻴﺎ اﻟﺪول اﻟﺘﻲ ﺳﺠﻠﺖ زﻳﺎدات ﰲ‬ ‫اﻷﺳﻌﺎر اﻟﺴﻨﻮﻳﺔ ﻣﻊ منﻮ ﺑﻨﺴﺒﺔ ‪ 11.1‬ﰲ اﳌﺎﺋﺔ‪ .‬ﺗﻠﻴﻬﺎ ﻟﻮﻛﺴﻤﺒﻮرغ ﻣﻊ‬ ‫ارﺗﻔﺎع اﻷﺳﻌﺎر ﺑﻨﺴﺒﺔ ‪ 6.5‬ﰲ اﳌﺎﺋﺔ ﻟﻠﺸﻘﻖ اﻟﺴﻜﻨﻴﺔ‪ ،‬ﺑﻴﻨام ﻛﺎﻧﺖ ﻻﺗﻔﻴﺎ‬ ‫ﰲ اﳌﺮﻛﺰ اﻟﺜﺎﻟﺚ ﻣﻊ منﻮ ﺑﻨﺴﺒﺔ ‪ 6.2‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﺷﻬﺪت ﻛﺮواﺗﻴﺎ أﺷﺪ إﻧﺨﻔﺎض ﺳﻨﻮي‪ ،‬ﺣﻴﺚ اﻧﺨﻔﻀﺖ اﻷﺳﻌﺎر ﰲ اﻟﺒﻼد‬ ‫ﺑﻨﺴﺒﺔ ‪ 16.9‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻛﺎﻧﺖ ﻣﻦ ﺑني اﻟﺒﻠﺪان اﻷﺧﺮى اﻟﺘﻲ ﺳﺠﻠﺖ‬ ‫أﻋﲆ اﻟﺨﺴﺎﺋﺮ ﻗﱪص )‪ 8‬ﰲ اﳌﺎﺋﺔ( وإﺳﺒﺎﻧﻴﺎ )‪ 6.4‬ﰲ اﳌﺎﺋﺔ(‪.‬‬ ‫ﰲ ﺣني ﻛﺎﻧﺖ اﳌﻤﻠﻜﺔ اﳌﺘﺤﺪة واﻳﺮﻟﻨﺪا ﺑني اﻟﺪول اﻟﺘﻲ ﺷﻬﺪت إرﺗﻔﺎﻋﺎً‬ ‫ﰲ أﺳﻌﺎر اﻟﺮﺑﻊ اﻟﺤﺎﱄ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻟﺴﺎﺑﻖ‪ .‬وﻛﺎن اﻹرﺗﻔﺎع ﺑﻨﺴﺒﺔ ‪4.1‬‬ ‫ﰲ اﳌﺎﺋﺔ ﰲ أﻳﺮﻟﻨﺪا و ﺑﻨﺴﺒﺔ ‪ 2.5‬ﰲ اﳌﺎﺋﺔ ﰲ اﳌﻤﻠﻜﺔ اﳌﺘﺤﺪة‪ .‬وﻛﺎﻧﺖ‬ ‫اﻟﺰﻳﺎدات اﻟﺴﻨﻮﻳﺔ ﰲ اﻟﺒﻠﺪﻳﻦ ‪ 3.7‬ﰲ اﳌﺎﺋﺔ و ‪ 3.6‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫وﺳﺠﻠﺖ أﻛﱪ اﻻﻧﺨﻔﺎﺿﺎت اﻟﻔﺼﻠﻴﺔ ﰲ ﺳﻠﻮﻓﻴﻨﻴﺎ )‪ 4‬ﰲ اﳌﺎﺋﺔ(‪ ،‬اﻟﺪمنﺎرك‬ ‫)‪ 3.3‬ﰲ اﳌﺎﺋﺔ( وروﻣﺎﻧﻴﺎ )‪ 2.4‬ﰲ اﳌﺎﺋﺔ(‪.‬‬

‫ﰲ ﺑﺮﺑﺎدوس وﺟﺰر ﻓريﺟﻦ اﻟﱪﻳﻄﺎﻧﻴﺔ‪ ،‬زادت ﻣﺒﻴﻌﺎت اﻟﻌﻘﺎرات اﳌﻤﻴﺰة‬ ‫ﺑﺤﻮاﱄ ‪ 10‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 15‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪ .2013‬ﰲ اﳌﻘﺎﺑﻞ‪ ،‬زادت‬ ‫ﻗﻴﻤﺔ اﳌﻨﺎزل اﻟﻔﺨﻤﺔ ﰲ ﺟﺰر اﻟﺒﻬﺎﻣﺎ‪ ،‬ﺧﻠﻴﺞ ﺟﺎﻣﺒﻲ‪ ،‬ﻣﻮﺳﺘﻴﻚ وﺳﺎﻧﺖ‬ ‫ﺑﺎرﺗﺲ ﻓﻘﻂ ﺑﻨﺴﺒﺔ ‪ 2‬ﰲ اﳌﺎﺋﺔ‪ .‬ﰲ ﺳﻮق اﻟﻌﻘﺎرات اﳌﺘﻮﺳﻄﺔ‪ ،‬زاد‬ ‫اﻹﻫﺘامم ﺑﺎﻟﻌﻘﺎرات اﻟﺘﻲ ﺗﱰاوح أﺳﻌﺎرﻫﺎ ﺑﻴﻨﻮن دوﻻر و ‪ 4.5‬ﻣﻠﻴﻮن‬ ‫دوﻻر‪ ،‬ﻻ ﺳﻴام ﺑني اﳌﺸﱰﻳﻦ اﻷﻣﺮﻳﻜﻴني‪ ،‬ﻣام ﻳﺸري إﱃ إرﺗﻔﺎع اﻟﺪﺧﻞ‬ ‫اﳌﺘﺎح‪ .‬ﺗﻘﻠﺒﺎت اﻟﻌﻤﻠﺔ ﻧﺘﻴﺠﺔ ﺿﻌﻒ اﻟﺪوﻻر ﺟﻌﻠﺖ أﺳﻌﺎر اﻟﻌﻘﺎرات‬ ‫ﰲ ﻣﻨﻄﻘﺔ اﻟﺒﺤﺮ اﻟﻜﺎرﻳﺒﻲ أﻛرث ﺟﺎذﺑﻴﺔ ﻟﻠﻤﺸﱰﻳﻦ ﺑﺎﻟﻴﻮرو‪ .‬وﻗﺪ‬ ‫اﻧﻌﻜﺲ ذﻟﻚ ﻣﻦ ﺧﻼل زﻳﺎدة ﰲ اﻟﻄﻠﺒﺎت اﻟﻔﺮﻧﺴﻴﺔ‪ ،‬اﻟﺴﻮﻳﺪﻳﺔ ودول‬ ‫أوروﺑﺎ اﻟﴩﻗﻴﺔ‪.‬‬ ‫ﰲ ﺣني أن اﳌﻨﺎزل اﻟﻔﺨﻤﺔ ﰲ ﺟﺰر اﻟﻜﺎرﻳﺒﻲ مل ﺗﻜﻦ مبﻨﺄى ﻋﻦ اﻷزﻣﺔ‬ ‫اﳌﺎﻟﻴﺔ اﻟﻌﺎﳌﻴﺔ‪ ،‬ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﺴﺖ اﳌﺎﺿﻴﺔ‪ ،‬ﻛﺎن أداء أﺳﻌﺎر‬ ‫اﻟﻌﻘﺎرات ﰲ اﻟﺠﺰر اﻷﺻﻐﺮ ﺣﺠامً واﻷﻛرث ﺣﴫﻳﺔ ﻣﺜﻞ ﺧﻠﻴﺞ ﺟﺎﻣﺒﻲ‪،‬‬ ‫ﻣﻮﺳﺘﻴﻚ وﺳﺎﻧﺖ ﺑﺎرﺗﺲ أﻓﻀﻞ ﻣﻦ ﺑﻌﺾ اﻟﺠﺰر اﻷﺧﺮى‪ .‬اﻟﺠﺰر اﻟﻜﺒرية‬ ‫ﻣﺜﻞ ﺑﺮﺑﺎدوس وﺟﺰر اﻟﺒﻬﺎﻣﺎ‪ ،‬ﺣﻴﺚ ﻛﺎن اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ واﻟﱰﻓﻴﻬﻴﺔ‬ ‫ﺗﺘﻮﺳﻊ ﺑﻮﺗرية أﴎع ﻗﺒﻞ اﻷزﻣﺔ‪ ،‬ﻛﺎﻧﺖ أﻛرث ﺗﺄﺛﺮا ً ﺑﺎﻟﺮﻛﻮد اﻹﻗﺘﺼﺎدي‪.‬‬ ‫اﻧﺨﻔﻀﺖ أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﻔﺎﺧﺮة ﻋﲆ ﺑﻌﺾ اﻟﺠﺰر ﺑﻨﺴﺒﺔ ﺗﺼﻞ إﱃ‬ ‫‪ 30‬ﰲ اﳌﺎﺋﺔ ﻣﻨﺬ ﻋﺎم ‪ .2007‬وﻣﻊ ذﻟﻚ‪ ،‬إﻧﺨﻔﺾ ﻫﺬا اﻟﺮﻛﻮد ﺑﺸﻜﻞ‬ ‫ﻛﺒري ﺧﻼل اﻟﻌﺎم اﳌﺎﴈ‪.‬‬ ‫ﰲ ﺣني أن اﻟﺴﻮق ﻗﺪ ﺗﻌﺎﰱ‪ ،‬إﻻ أﻧﻪ ﻻ ﻳﺰال ﻫﻨﺎك ﻣﺨﺰون ﻛﺒري ﺗﻢ‬ ‫ﺑﻨﺎؤﻫﺎ ﺣﺘﻰ ﻗﺒﻞ اﻟﺮﻛﻮد اﻹﻗﺘﺼﺎدي‪ .‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن ‪ 2013‬ﺷﻬﺪ‬ ‫ﺗﺤﻮﻻً ﰲ ﺟﺰر ﻣﺜﻞ ﺑﺮﺑﺎدوس‪ ،‬إﻻ أن اﻹﻣﺪادات ﻻ ﺗﺰال أﻋﲆ ﺑﻜﺜري ﻣﻦ‬ ‫اﻟﻄﻠﺐ‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﺗﺠﺪﻳﺪ اﻟﺜﻘﺔ‪ ،‬ﻳﻠﺰم ﻋﲆ اﻟﺒﺎﺋﻌني‬ ‫ﺗﺴﻌري ﻣﻤﺘﻠﻜﺎﺗﻬﻢ ﺑﺸﻜﻞ أﻛرث واﻗﻌﻴﺔ ﻣﻦ أﺟﻞ ﺑﻴﻌﻬﺎ ﳌﺸﱰﻳﻦ ﻣﻬﺘﻤني‬ ‫ﺑﺎﻷﺳﻌﺎر‪.‬‬

‫ﻛﺸﻒ أﺣﺪث ﺗﻘﺮﻳﺮ ﻣﻦ ﻧﺎﻳﺖ ﻓﺮاﻧﻚ أن ‪ 2013‬ﻛﺎن ﻋﺎﻣﺎً ﺟﻴﺪا ً ﻟﻠﻌﺪﻳﺪ‬ ‫ﻣﻦ أﺳﻮاق اﻟﻌﻘﺎرات ﰲ ﻣﻨﻄﻘﺔ اﻟﺒﺤﺮ اﻟﻜﺎرﻳﺒﻲ‪ .‬اﻟﻌﻘﺎرات اﳌﺘﻤﻴﺰة ﰲ‬ ‫ﺑﺮﺑﺎدوس وﺟﺰر ﻓريﺟﻦ اﻟﱪﻳﻄﺎﻧﻴﺔ ﺣﻘﻘﺖ أﻛرث إﺳﺘﻔﺎدة ﻣﻦ زﻳﺎدة‬ ‫ﺣﺠﻢ اﳌﺒﻴﻌﺎت‪ .‬وﻗﺪ ﺳﺎﻫﻢ ﺗﺠﺪد اﻟﺜﻘﺔ ﺑني اﳌﺸﱰﻳﻦ ﻣﻦ اﻟﻮﻻﻳﺎت‬ ‫اﳌﺘﺤﺪة وأوروﺑﺎ إﱃ إﺣﺪاث ﻫﺬا اﻟﺘﺤﻮل‪ .‬واﺻﻞ اﳌﺸﱰون ﻣﻦ‬ ‫ﺑﺮﻳﻄﺎﻧﻴﺎ‪ ،‬أﻣﺮﻳﻜﺎ وﻛﻨﺪا ﺗﺮﺑﻌﻬﻢ ﻋﲆ ﻋﺮش ﻗﺎمئﺔ اﻟﻄﻠﺐ اﻷﺟﻨﺒﻲ‬ ‫اﻷﻋﲆ ﻋﲆ اﻟﻌﻘﺎرات ﰲ ﻣﻨﻄﻘﺔ اﻟﻜﺎرﻳﺒﻲ‪.‬‬

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‫‪2014‬‬

‫‪2004‬‬ ‫وﻓﻘﺎً ﻟﺒﻴﺎﻧﺎت ﻣﻦ اﳌﻜﺘﺐ اﻻﺳﱰاﱄ ﻟﻺﺣﺼﺎء‪ ،‬ﺗﻢ إﻧﺘﻌﺎش ﻧﺸﺎط ﺑﻨﺎء‬ ‫اﳌﻨﺎزل ﰲ اﻟﺒﻼد‪ .‬أﺷﺎر أﺧﺮ ﺗﺤﺪﻳﺚ ﻓﺼﲇ أن ﻏﺮب أﺳﱰاﻟﻴﺎ‪ ،‬ﻧﻴﻮ ﺳﺎوث‬ ‫وﻳﻠﺰ وﻛﻮﻳﻨﺰﻻﻧﺪ ﻛﺎﻧﺖ ﻣﻦ ﺑني اﻟﻮﻻﻳﺎت اﻟﺮاﺋﺪة ﰲ اﻻﻧﺘﻌﺎش وﺣﻘﻘﺖ‬ ‫أﻋﲆ اﻟﺰﻳﺎدات‪.‬‬ ‫ﺗﻢ ﺑﻨﺎء ﺣﻮاﱄ ‪ 163,250‬ﻣﻦ إﻧﺸﺎءات اﳌﻨﺎزل اﻟﺠﺪﻳﺪة ﺧﻼل اﻹﺛﻨﺎ‬ ‫ﻋﴩ ﺷﻬﺮا اﳌﻨﺘﻬﻴﺔ ﰲ ﺳﺒﺘﻤﱪ ‪ .2013‬ﺑﻴﻨام ﻛﺎن ﻫﻨﺎك اﻧﺨﻔﺎﺿﺎ ﻫﺎﻣﺸﻴﺎ‬ ‫ﺑﻨﺴﺒﺔ ‪ 2‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻌﺎم اﳌﺎﴈ‪ ،‬ﻗﺎل ﻣﻤﺜﻠﻮن ﻋﻦ راﺑﻄﺔ ﺻﻨﺎﻋﺔ‬ ‫اﻹﺳﻜﺎن )‪ ،(HIA‬واﻟﺘﻲ متﺜﻞ اﻟﺴﻠﻄﺔ اﻟﺮﺋﻴﺴﻴﺔ ﰲ ﻗﻄﺎع اﻟﺒﻨﺎء اﻟﺴﻜﻨﻲ‬ ‫ﰲ أﺳﱰاﻟﻴﺎ أﻧﻪ ﻛﺎن ﻫﻨﺎك اﻧﺘﻌﺎش ﺟﻴﺪ ﻣﻨﺬ إﻧﺨﻔﺎض اﻟﺴﻮق إﱃ أدىن‬ ‫ﻣﺴﺘﻮﻳﺎﺗﻪ ﰲ ﻣﺎرس ‪.2012‬‬ ‫ﺑﻨﺎء اﳌﺴﺎﻛﻦ ﻣﺘﻌﺪدة اﻟﻮﺣﺪات ﺗﻘﻮد اﻻﻧﺘﻌﺎش‪ ،‬ﻣﺴﺠﻼً ﻣﻜﺎﺳﺐ‬ ‫ﺑﻨﺴﺒﺔ ‪ 35‬ﰲ اﳌﺎﺋﺔ ﰲ ﻣﺘﻮﺳﻂ ‪ 20‬ﻋﺎﻣﺎً‪ .‬ﰲ ﺣني ﻛﺎن ﻗﻄﺎع اﻹﺳﻜﺎن‬ ‫اﳌﻨﻔﺼﻞ ﻳﻨﻤﻮ ﻛﺬﻟﻚ‪ ،‬ﻛﺎن اﻟﺮﻗﻢ اﻟﺴﻨﻮي ﻟﻠﺒﺪأ أﻗﻞ ﺑﻨﺴﺒﺔ ‪ 9‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ اﳌﺘﻮﺳﻂ ﳌﺪة ‪ 20‬ﻋﺎﻣﺎً‪.‬‬ ‫إرﺗﻔﻊ ﻋﺪد اﳌﺒﺎين اﻟﺠﺪﻳﺪة ﰲ ﻧﻴﻮ ﺳﺎوث وﻳﻠﺰ‪ ،‬أﺳﱰاﻟﻴﺎ اﻟﻐﺮﺑﻴﺔ‪،‬‬ ‫ﺟﻨﻮب أﺳﱰاﻟﻴﺎ‪ ،‬اﻹﻗﻠﻴﻢ اﻟﺸامﱄ وﻛﻮﻳﻨﺰﻻﻧﺪ )ﺑﻨﺴﺒﺔ ‪ 8.6‬ﰲ اﳌﺎﺋﺔ‪ 4 ،‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ 2.4 ،‬ﰲ اﳌﺎﺋﺔ‪ 1.9 ،‬ﰲ اﳌﺎﺋﺔ و ‪ 0.2‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ(‪ .‬ﰲ وﻻﻳﺔ‬ ‫ﻛﻮﻳﻨﺰﻻﻧﺪ‪ ،‬أﻇﻬﺮ ﻣﻜﺘﺐ اﻟﺘﺴﺠﻴﻞ إرﺗﻔﺎع ﻋﺪد اﻟﻄﻠﺒﺎت ﺑﺸﻜﻞ ﻛﺒري ﰲ‬ ‫ﻋﺎم ‪ .2013‬وﻛﺎن ﻣﺘﻮﺳﻂ ﻋﺪد اﻟﻄﻠﺒﺎت ﰲ اﻟﻮﻻﻳﺔ ﻳﻮﻣﻴﺎً ‪ 3,240‬ﰲ‬ ‫دﻳﺴﻤﱪ ﻋﺎم ‪ ،2013‬وﻫﻮ أﻋﲆ ﺑﻜﺜري ﻣﻦ اﳌﻌﺪل اﻟﻴﻮﻣﻲ اﻟﺬي ﻳﺼﻞ‬ ‫إﱃ ‪.2,640‬‬ ‫‪www.valoran.ae‬‬

‫ﰲ ﺑﻌﺾ اﻟﻮﻻﻳﺎت‪ ،‬ﺷﻬﺪ ﻋﺪد اﳌﺒﺎين اﻟﺠﺪﻳﺪة إﻧﺨﻔﺎﺿﺎً‪ .‬إﱃ ﺟﺎﻧﺐ‬ ‫إﻗﻠﻴﻢ اﻟﻌﺎﺻﻤﺔ اﻷﺳﱰاﻟﻴﺔ ﺣﻴﺚ اﻧﺨﻔﺾ ﺑﻨﺴﺒﺔ ‪ 32.7‬ﰲ اﳌﺎﺋﺔ‪،‬‬ ‫واﻧﺨﻔﺾ ﰲ ﻓﻴﻜﺘﻮرﻳﺎ ﺑﻨﺴﺒﺔ ‪ 8.5‬ﰲ اﳌﺎﺋﺔ وﰲ وﻻﻳﺔ ﺗﺴامﻧﻴﺎ ﺑﻨﺴﺒﺔ‬ ‫‪ 5.4‬ﰲ اﳌﺎﺋﺔ‪.‬‬

Valoran Real Estate Brokers Your Lifestyle Broker

‫ﻣﻊ ﺗﻌﺪد اﻷﻧﻮاع واﻷمنﺎط اﳌﺨﺘﻠﻔﺔ ﻣﻦ اﻟﺸﻘﻖ واﻟﻔﻴﻼت اﳌﺘﻮﻓﺮة ﰲ‬ ‫ ﺗﺨﺘﻠﻒ أﺳﻌﺎر اﻟﺒﻴﻊ واﻹﻳﺠﺎرات وﺗﺘﻨﻮع اﻋﺘامدا ً ﻋﲆ‬،‫داون ﺗﺎون ديب‬ ،‫ ﻏﺎﻟﺒﻴﺔ اﳌﺴﺎﻛﻦ ﰲ اﳌﺠﻤﻊ ﻣﻦ اﻟﺸﻘﻖ اﻟﺴﻜﻨﻴﺔ‬.‫اﳌﺠﻤﻊ اﻟﺬي ﺗﻘﻊ ﻓﻴﻪ‬ ‫ درﻫﻢ ﻟﻼﺳﺘﺪﻳﻮ اﻷﻗﻞ ﺳﻌﺮا ً وﺗﺼﻞ إﱃ‬800,000 ‫وأﺳﻌﺎرﻫﺎ ﺗﺒﺪأ ﻣﻦ‬ .‫ ﻏﺮف ﻧﻮم‬6 ‫ درﻫﻢ ﻷﻏﲆ ﺷﻘﺔ ﻣﻜﻮﻧﺔ ﻣﻦ‬69,000,000 ‫وﺗﻌﺪ ﻗﻴﻢ إﻳﺠﺎرات اﻟﺸﻘﻖ ﰲ داون ﺗﺎون ديب ﻫﻲ ﻣﻦ ﺑني أﻋﲆ‬ ‫ وﺗﱰاوح اﻻﻳﺠﺎرات ﻣﻦ‬.‫اﳌﻌﺪﻻت ﰲ اﳌﺪﻳﻨﺔ ﺑﺴﺒﺐ ﻣﻮﻗﻌﻬﺎ اﳌﺘﻤﻴﺰ‬ ‫ درﻫﻢ ﻟﻠﺸﻘﺔ اﳌﻜﻮﻧﺔ‬700,000 ‫ درﻫﻢ ﺳﻨﻮﻳﺎً ﻟﻼﺳﺘﻮدﻳﻮ إﱃ‬60,000 ‫ﻣﻦ أرﺑﻊ ﻏﺮف ﻧﻮم‬

Sales Prices

Villa Avg. Price: AED 7,839,000 Price Range: AED 6,000,000 - AED 11,500,000

PropertZ types

t Villa t Apartment

Apartment Avg. Price: AED 5,221,105 Price Range: AED 1,250,000 - AED 15,200,000

ProperUJFT bZ bFE rooms

t bed

t bed

t bed

t bed

t bed

t bed

Source: propertyfinder.ae

Rental Prices

Villa Avg. Price: AED 295,000 Price Range: AED 200,000 - AED 400,000

PrPpertZ types

t Villa t Apartment

Source: propertyfinder.ae

11

Apartment Avg. Price: AED 170,049 Price Range: AED 60,000 - AED 700,000

PrPperUJFT bZ bFE rPPNT

t bed

t bed

t bed

t bed

t bed

t 4UVEJP

‫‪- 14‬‬

‫‪2014‬‬

‫ذا رﻳﺰﻳﺪﻧﺴﺰ‬ ‫ﻳﺘﻜﻮن ﻫﺬا اﳌﺠﻤﻊ ﻣﻦ ﺗﺴﻌﺔ ﻣﺒﺎن ﺷﺎﻫﻘﺔ ﺗﻘﺪم اﳌﻔﻬﻮم اﳌﺜﺎﱄ‬ ‫ﻟﻠﺤﻴﺎة اﻟﺤﴬﻳﺔ‪ .‬اﻷﺑﺮاج ﻣﺤﺎﻃﺔ ﺑﺎﳌﻴﺎه واﳌﺴﺎﺣﺎت اﻟﺨﴬاء اﻟﺠﻤﻴﻠﺔ‪.‬‬ ‫وﻳﻀﻢ اﳌﺠﻤﻊ اﻟﺴﻜﻨﻲ ﻣﺰﻳﺠﺎً ﻣﻦ اﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم‬ ‫واﺣﺪة‪ ،‬وﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺘﻲ ﻧﻮم وﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف‬ ‫ﻧﻮم واﺳﻌﺔ إﱃ ﺟﺎﻧﺐ اﳌﻨﺎزل واﻟﻔﻴﻼت‪ .‬ﺗﺘﻤﺘﻊ اﻟﺘﺼﺎﻣﻴﻢ اﻟﺪاﺧﻠﻴﺔ‬ ‫ﺑﺄرﻗﻰ اﻟﺘﺸﻄﻴﺒﺎت واﻟﺘﺼﻤﻴامت اﳌﺒﺘﻜﺮة‪ .‬ﻛام ﺗﺘﻤﺘﻊ اﻟﺸﻘﻖ ﺑﺈﻃﻼﻟﺘﻬﺎ‬ ‫ﻋﲆ ﺑﺮج ﺧﻠﻴﻔﺔ‪ ،‬ﺑﺤرية اﻟﱪج وﻧﺎﻓﻮرة ديب‪.‬‬ ‫ﺑﺮج ﻓﻴﻮز‬ ‫ﻣﺠﻤﻊ ﺳﻜﻨﻲ ﻣﺮﺗﻔﻊ آﺧﺮ ﰲ داون ﺗﺎون ديب‪ ،‬ﺑﺮج ﻓﻴﻮز ﻳﻮﻓﺮ ﺷﻘﻘﺎً‬ ‫ﺳﻜﻨﻴﺔ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة أو ﻏﺮﻓﺘﻲ ﻧﻮم واﻟﺘﻲ ﺗﱰاوح‬ ‫ﻣﺴﺎﺣﺎﺗﻬﺎ ﺑني ‪ 700-1400‬ﻗﺪم ﻣﺮﺑﻊ‪ ،‬وﺗﻨﺘﴩ ﰲ ﺛﻼﺛﺔ أﺑﺮاج ‪ -‬اﻷوﺳﻂ‪،‬‬ ‫اﻟﴩﻗﻲ واﻟﻐﺮيب‪ .‬وﺗﻀﻢ اﻷﺑﺮاج ﻣﺠﻤﻮﻋﺔ ﻣﻦ وﺳﺎﺋﻞ اﻟﺮاﺣﺔ ﻣﺜﻞ ﺣامم‬ ‫اﻟﺴﺒﺎﺣﺔ‪ ،‬ﺻﺎﻟﺔ اﻷﻟﻌﺎب اﻟﺮﻳﺎﺿﻴﺔ‪ ،‬ﻣﺮﻛﺰ اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ‪ ،‬ﻗﺎﻋﺔ‬ ‫ﻣﺘﻌﺪدة اﻷﻏﺮاض وﻗﺎﻋﺔ ﻟﻠﻤﻄﺎﻟﻌﺔ‪ .‬ﺗﻘﻊ اﻟﺸﻘﻖ ﻋﲆ ﻣﺴﺎﻓﺔ ﻗﺼرية‬ ‫ﺳريا ً ﻣﻦ ديب ﻣﻮل و إﻋامر ﺑﻮﻟﻴﻔﺎرد‪.‬‬ ‫‪ 8‬ﺑﻮﻟﻴﻔﺎرد ووك‬ ‫ﻫﺬا اﳌﺠﻤﻊ‪ ،‬اﻟﺬي ﻳﺘﻜﻮن ﻣﻦ ﺛﻼﺛﺔ أﺑﺮاج ﺳﻜﻨﻴﺔ ﻣﻦ ‪ 35‬ﻃﺎﺑﻘﺎً‪ ،‬ﻳﻘﻊ‬

‫‪www.valoran.ae‬‬

‫ﰲ ﻗﻠﺐ اﳌﴩوع ﰲ ﻣﻮﻗﻊ ﺑﺮج ﺧﻠﻴﻔﺔ‪ .‬إﻧﻪ ﻋﲆ ﻣﻘﺮﺑﺔ ﻣﻦ ﺑﻮﻟﻴﻔﺎرد‬ ‫إﻋامر اﻟﺬي ﻳﻄﻮق ﻣﴩوع ﺑﺮج ﺧﻠﻴﻔﺔ‪ .‬ﻫﻨﺎك ﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ‬ ‫ﻧﻮم واﺣﺪة وأﺧﺮى ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺘﻲ ﻧﻮم ﰲ اﳌﺠﻤﻊ واﻟﺘﻲ ﺗﱰاوح‬ ‫ﻣﺴﺎﺣﺎﺗﻬﺎ ﺑني ‪ 465‬ﻗﺪم ﻣﺮﺑﻊ و ‪ 1408‬ﻗﺪم ﻣﺮﺑﻊ‪ .‬وﺗﺸﻤﻞ وﺳﺎﺋﻞ‬ ‫اﻟﺮاﺣﺔ ﰲ اﳌﺠﻤﻊ اﻟﺴﻜﻨﻲ ﺣامم ﺳﺒﺎﺣﺔ وﺻﺎﻟﺔ أﻟﻌﺎب رﻳﺎﺿﻴﺔ‪.‬‬ ‫ﺳﺎوث رﻳﺪج‬ ‫ﻫﺬا اﳌﺠﻤﻊ اﳌﻜﻮن ﻣﻦ ﺳﺘﺔ أﺑﺮاج ﺷﺎﻫﻘﺔ اﻹرﺗﻔﺎع ﺿﻤﻦ ﻣﴩوع‬ ‫داون ﺗﺎون ديب ﻳﻀﻢ ﺷﻘﻘﺎً ﺳﻜﻨﻴﺔ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة‬ ‫وﻏﺮﻓﺘني وﺛﻼث ﻏﺮف ﻧﻮم وﺗﱰاوح ﻣﺴﺎﺣﺎﺗﻬﺎ ﺑني ‪ 835‬ﻗﺪم ﻣﺮﺑﻊ إﱃ‬ ‫‪ 3008‬ﻗﺪم ﻣﺮﺑﻊ‪ .‬ﺑﻌﺾ ﻣﻦ وﺳﺎﺋﻞ اﻟﺮاﺣﺔ اﻟﻔﺎﺧﺮة ﰲ ﻫﺬا اﳌﺠﻤﻊ‬ ‫ﺗﺸﻤﻞ ﺣامم اﻟﺴﺒﺎﺣﺔ ﻣﻊ ﻣﻨﻄﻘﺔ ﺧﴬاء‪ ،‬ﺻﺎﻟﺔ أﻟﻌﺎب رﻳﺎﺿﻴﺔ‪ ،‬ﻣﺮﻛﺰ‬ ‫اﻟﻠﻴﺎﻗﺔ اﻟﺒﺪﻧﻴﺔ‪ ،‬ﻣﻜﺘﺒﺔ‪ ،‬ﻣﻠﻌﺐ اﺳﻜﻮاش‪ ،‬ﻣﻠﻌﺐ ﺗﻨﺲ اﻟﺮﻳﺸﺔ‪،‬ﻏﺮﻓﺔ‬ ‫ﺑﻠﻴﺎردو‪ ،‬ﺻﺎﻟﺔ رﺟﺎل اﻷﻋامل‪ ،‬ﻏﺮﻓﺔ ﻣﺘﻌﺪدة اﻷﻏﺮاض وﻣﻼﻋﺐ ﺧﺎﺻﺔ‪.‬‬ ‫وﻳﻘﻊ اﳌﺠﻤﻊ ﻋﲆ ﻣﺴﺎﻓﺔ ﻗﺮﻳﺒﺔ ﻣﻦ إﻋامر ﺑﻮﻟﻴﻔﺎرد واﻟﺘﺴﻮق واﻟﺮاﺣﺔ‬ ‫ﰲ ﻣﻮل ديب‪.‬‬ ‫ذا ﻟﻮﻓﺘﺲ‬ ‫ﻫﺬا اﳌﻔﻬﻮم اﻟﻔﺮﻳﺪ ﻟﻠﺤﻴﺎة ﰲ اﳌﺪن اﻟﺤﺪﻳﺜﺔ ﻳﺘﻜﻮن ﻣﻦ ﺷﻘﻖ‬ ‫اﻻﺳﺘﻮدﻳﻮ‪ ،‬ﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺔ ﻧﻮم واﺣﺪة وﺷﻘﻖ ﻣﻜﻮﻧﺔ ﻣﻦ‬ ‫ﻏﺮﻓﺘﻲ ﻧﻮم‪ ،‬واﻟﺘﻲ ﺗﻜﻮن ﻣﺰدوﺟﺔ اﻟﻄﻮاﺑﻖ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻣﴩوع إﻋامر اﻟﻌﻘﺎرﻳﺔ ”داون ﺗﺎون ديب“ ﻫﻮ ﻣﴩوع ﻣﺘﻌﺪد‬ ‫اﻻﺳﺘﺨﺪاﻣﺎت وﻳﻌﺘﱪ اﳌﻨﻄﻘﺔ اﻷﻛرث ﺷﻬﺮة ﰲ ديب ﻷﻧﻬﺎ ﻫﻲ ﻣﻮﻃﻦ‬ ‫اﻟﻌﺪﻳﺪ ﻣﻦ ﻣﻌﺎمل اﳌﺪﻳﻨﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﺑﺮج ﺧﻠﻴﻔﺔ‪ ،‬ﻧﺎﻓﻮرة ديب وديب‬ ‫ﻣﻮل‪ .‬ﻳﻨﺘﴩ اﳌﴩوع ﻋﲆ ﻣﺴﺎﺣﺔ ﻛﻴﻠﻮﻣﱰﻳﻦ ﻣﺮﺑﻌني‪ ،‬وﻳﻨﻘﺴﻢ‬ ‫اﳌﺠﻤﻊ إﱃ أﺣﺪ ﻋﴩ ﻣﴩوﻋﺎً‪ .‬ﰲ وﺳﻂ اﳌﺠﻤﻊ ﺗﻮﺟﺪ ﺑﺮج ﺑﺎرك آﻳﻼﻧﺪ‬ ‫و ﻓﻨﺪق أدرﻳﺲ داون ﺗﺎون ديب‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك ﺛﻼﺛﺔ‬ ‫ﻣﴩوﻋﺎت ﻓﻨﺪﻗﻴﺔ أﺧﺮى ﰲ اﳌﺠﻤﻊ‪ ،‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ إﻋامر ﺳﻜﻮﻳﺮ‪ ،‬وﻫﻮ‬ ‫ﻣﺠﻤﻊ ﻣﻨﺨﻔﺾ اﻹرﺗﻔﺎع ﺗﺘﻮﻓﺮ ﺑﻪ اﳌﻜﺎﺗﺐ‪ .‬ﻛام ﻳﻀﻢ ﻣﴩوع داون‬ ‫ﺗﺎون ديب ﻣﺰﻳﺠﺎً ﻣﻦ اﻟﺘﻄﻮرات اﻟﺴﻜﻨﻴﺔ ﻣﻨﺨﻔﻀﺔ اﻻرﺗﻔﺎع ﻣﺜﻞ اﳌﺪﻳﻨﺔ‬ ‫اﻟﻘﺪميﺔ و ﺟﺰﻳﺮة اﳌﺪﻳﻨﺔ اﻟﻘﺪميﺔ ﺑﺎﻹﺿﺎﻓﺔ إﱃ أﺑﺮاج ﺳﻜﻨﻴﺔ ﺷﺎﻫﻘﺔ‬ ‫ﻣﺜﻞ ذا رﻳﺰﻳﺪﻧﺴﺰ‪ ،‬ﺑﺮج ﻓﻴﻮز‪ 8 ،‬ﺑﻮﻟﻴﻔﺎرد ووك و ﺳﺎوث رﻳﺪج‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻳﻘﺪم ﻣﴩوع ذا ﻟﻮﻓﺘﺲ ﻣﻔﻬﻮﻣﺎً ﺟﺪﻳﺪا ً ﻟﻠﻤﻨﺎزل ﰲ‬ ‫اﳌﻨﺎﻃﻖ اﻟﺤﴬﻳﺔ‪ ،‬ﻣﻊ اﳌﺴﺎﺣﺎت اﳌﻌﻴﺸﻴﺔ ﻣﺘﻌﺪدة اﳌﺴﺘﻮﻳﺎت‪.‬‬

‫اﳌﺪﻳﻨﺔ اﻟﻘﺪميﺔ ﻫﻲ ﻣﴩوع ﺳﻜﻨﻲ ﻳﺘﻜﻮن ﰲ ﻣﻌﻈﻤﻪ ﻣﻦ اﳌﺒﺎين‬ ‫اﻟﺴﻜﻨﻴﺔ اﳌﻜﻮﻧﺔ ﻣﻦ ﺛﻼﺛﺔ ﻃﻮاﺑﻖ‪ .‬وﻫﻨﺎك أﻳﻀﺎ اﳌﻨﺎزل ﻣﺘﻮﺳﻄﺔ‬ ‫اﻹرﺗﻔﺎع‪ .‬اﳌﺠﻤﻊ ﻳﺘﺒﻊ اﻟﻨﻤﻂ اﻟﺘﻘﻠﻴﺪي ﻟﻠﻌامرة ﰲ ديب‪ ،‬وﻫﻮ ﻣﺎ ميﻜﻦ‬ ‫ﻣﻼﺣﻈﺘﻪ ﰲ ﺑﺮ ديب وﻣﻨﻄﻘﺔ اﻟﺒﺴﺘﻜﻴﺔ‪ .‬اﳌﺒﺎين ذات أﺳﻠﻮب ﺗﺮايب ميﺘﺰج‬ ‫ﻣﻊ اﻟﻄﺒﻴﻌﺔ اﻟﺼﺤﺮاوﻳﺔ اﳌﺤﻴﻄﺔ ﺑﻬﺎ‪ .‬اﻟﴩﻓﺎت واﻹﺳﱰاﺣﺎت ﺗﺘﻤﺘﻊ‬ ‫ﺑﺎﻟﺮﺣﺎﺑﺔ اﻟﺘﻲ ﺗﻮﻟﺪ اﻹﺣﺴﺎس ﺑﺎﻟﻬﻮاء اﻟﻄﻠﻖ‪ .‬وﻳﺘﻜﻮن اﳌﺠﻤﻊ ﻣﻦ ﺳﺘﺔ‬ ‫أرﺑﺎع ﻣﺨﺘﻠﻔﺔ ‪ -‬اﻟﻜﻤﻮن‪ ،‬اﳌﺴﻜﺔ‪ ،‬اﻟﺮﻳﺤﺎن‪ ،‬اﻟﻴﻨﺴﻮن‪ ،‬اﻟﺰﻋﻔﺮان‬ ‫واﻟﺰﻧﺠﺒﻴﻞ‪.‬‬ ‫ﺟﺰﻳﺮة اﳌﺪﻳﻨﺔ اﻟﻘﺪميﺔ ﺗﻌﻴﺪ ﻣﻔﻬﻮم ﺣﻴﺎة اﻟﻘﺮﻳﺔ‪ ،‬وﻟﻜﻦ ﻣﻊ ﺳﻬﻮﻟﺔ‬ ‫اﻟﻮﺻﻮل إﱃ وﺳﺎﺋﻞ اﻟﺮاﺣﺔ اﻟﺤﺪﻳﺜﺔ ﻣﺜﻞ اﳌﺤﻼت اﻟﺘﺠﺎرﻳﺔ واﻟﺼﺎﻟﻮﻧﺎت‪،‬‬ ‫إﱃ ﺟﺎﻧﺐ إﻃﻼﻟﺔ ﻋﲆ ﺑﺮج ﺧﻠﻴﻔﺔ اﻟﻌﴫي‪.‬‬

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‫اﻟﺨﻤﻴﺲ ‪ 23‬ﻳﻨﺎﻳﺮ‪ ،‬وﺻﻠﺖ ﺑﻮرﺻﺎت اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة أﻋﲆ‬ ‫ﻣﺴﺘﻮى ﻟﻬﺎ ﰲ ﺧﻤﺲ ﺳﻨﻮات‪ ،‬وإﻗﱰﺑﺖ ﻣﻦ ‪ 3‬ﻣﻠﻴﺎر درﻫﻢ ﺣﻴﺚ اﺗﺠﻪ‬ ‫اﳌﺴﺘﺜﻤﺮون ﻧﺤﻮ ﻣﻮﺟﺔ ﻣﻦ اﻟﴩاء‪ ،‬ﻻ ﺳﻴام ﻣﻦ اﻟﴩﻛﺎت ذات رأس‬ ‫اﳌﺎل اﻟﺼﻐري إﱃ اﳌﺘﻮﺳﻂ ﻗﺒﻞ اﻹﻋﻼن ﻋﻦ أرﺑﺎح اﻟﺮﺑﻊ اﻟﺮاﺑﻊ‪ .‬ﰲ ديب‪،‬‬ ‫أﻏﻠﻖ ﺳﻮق ديب اﳌﺎﱄ ﻋﲆ ‪ 3819.02‬ﻧﻘﻄﺔ ‪ -‬ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 3.57‬ﰲ‬ ‫اﳌﺎﺋﺔ – وﺷﻬﺪت اﻷﺳﻬﻢ اﻟﻌﻘﺎرﻳﺔ واﳌﺎﻟﻴﺔ واﻟﻘﻄﺎﻋﺎت اﻻﺳﺘﺜامرﻳﺔ‬ ‫اﻋﲆ ﻣﻌﺪل ارﺗﻔﺎع‪.‬‬ ‫وارﺗﻔﻊ اﳌﺆﴍ ﺑﻨﺴﺒﺔ ‪ 13.33‬ﰲ اﳌﺎﺋﺔ ﻟﻬﺬا اﻟﻌﺎم‪ ،‬وﻳﺘﺪاول ﺣﺎﻟﻴﺎً ﻋﻨﺪ‬ ‫ﻣﺴﺘﻮﻳﺎت ﻣﺮﺗﻔﻌﺔ ﻣﻨﺬ ﻋﺎم ‪ .2008‬وﻛﺎن أﺑﺮز اﻟﺮاﺑﺤني اﻟﺴﻼم ﺳﻮدان‬ ‫ﺑﻘﻴﻤﺔ ‪ 3.2‬درﻫﻢ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 13.88‬ﰲ اﳌﺎﺋﺔ( ‪ ،‬ﺷﻌﺎع ﺑﻘﻴﻤﺔ ‪1.24‬‬ ‫درﻫﻢ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 11.71‬ﰲ اﳌﺎﺋﺔ( وﺑﻨﻚ اﳌﴩق ﺑﻘﻴﻤﺔ ‪99.75‬‬ ‫درﻫﻢ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 11.39‬ﰲ اﳌﺎﺋﺔ(‪.‬‬ ‫وﻛﺎن ﻗﻄﺎع اﻟﻌﻘﺎرات ﻗﺪ ﺷﻬﺪ ﻣﺴﺘﻮى ﻋﺎل ﻣﻦ اﻟﺘﻔﺎؤل ﻣﻊ اﻧﺘﻌﺎش‬ ‫اﻟﺴﻮق‪ ،‬وارﺗﻔﺎع ﻣﺆﴍه ﺑﻨﺴﺒﺔ ﺗﺰﻳﺪ ﻋﲆ ‪ 5‬ﰲ اﳌﺎﺋﺔ ﻳﻮم اﻟﺨﻤﻴﺲ‪.‬‬ ‫ﺧﻼل اﻟﻌﺎم اﳌﺎﴈ‪ ،‬ارﺗﻔﻊ ﻣﺆﴍ ﻗﻄﺎع اﻟﻌﻘﺎرات ﺑﻨﺴﺒﺔ ﺗﺰﻳﺪ ﻋﲆ ‪120‬‬ ‫ﰲ اﳌﺎﺋﺔ‪.‬‬

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‫ﻣﻦ ﺑني اﻟﴩﻛﺎت ‪ 31‬اﳌﺘﺪاوﻟﺔ ﰲ ﺑﻮرﺻﺔ ديب‪ 23 ،‬ﻣﻨﻬﺎ ﺳﺠﻠﺖ إرﺗﻔﺎﻋﺎً‬ ‫وﺑﻘﻴﺖ واﺣﺪة دون ﺗﻐﻴري‪ ،‬ﰲ ﺣني اﻧﺨﻔﻀﺖ ﻗﻴﻤﺔ ‪ .7‬وﺗﺼﺪر اﻟﻘﻤﺔ‬ ‫ﺳﻬﻢ أراﺑﺘﻚ ﻣﻦ ﺣﻴﺚ اﻟﻘﻴﻤﺔ‪ ،‬ﰲ ﺣني ﺳﺠﻞ ﺑﻴﺖ اﻟﺘﻤﻮﻳﻞ اﻟﺨﻠﻴﺠﻲ‬ ‫أﻋﲆ ﺣﺠﻢ ﺗﺪاول‪.‬‬ ‫ﰲ أﺑﻮﻇﺒﻲ‪ ،‬ﺗﻌﺎﰱ ﻣﺆﴍ أﺑﻮﻇﺒﻲ ‪ ADX‬ﻣﻦ اﻹﻧﺨﻔﺎض اﻟﺬي ﻛﺎن ﻗﺪ‬ ‫ﺷﻬﺪه ﻳﻮم اﻻرﺑﻌﺎء ﻟﻴﻐﻠﻖ ﻋﻨﺪ ‪ 4655.32‬ﻧﻘﻄﺔ ‪ -‬ﺑﺎرﺗﻔﺎع ‪ 1.68‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬وﺷﻜﻠﺖ أﺳﻬﻢ اﻟﴩﻛﺎت اﻟﻌﻘﺎرﻳﺔ ﻏﺎﻟﺒﻴﺔ اﳌﻜﺎﺳﺐ‪ .‬ﰲ اﻟﻌﻤﻮم‪،‬‬ ‫ارﺗﻔﻊ اﳌﺆﴍ ‪ 8.51‬ﰲ اﳌﺎﺋﺔ ﻟﻬﺬا اﻟﻌﺎم‪.‬‬ ‫ﻣﻦ ﺑني اﻟﴩﻛﺎت اﻟﺘﻲ ﺷﻬﺪت إرﺗﻔﺎﻋﺎً ﰲ أﺑﻮﻇﺒﻲ ﻛﺎﻧﺖ أﺑﻮﻇﺒﻲ ﻟﺒﻨﺎء‬ ‫اﻟﺴﻔﻦ ﺑﻘﻴﻤﺔ ‪ 3.96‬درﻫﻢ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 14.78‬ﰲ اﳌﺎﺋﺔ( ‪ ،‬اﻟﺒﻨﻚ‬ ‫اﻟﻌﺮيب اﳌﺘﺤﺪ ﺑﻘﻴﻤﺔ ‪ 7.45‬درﻫﻢ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 7.19‬ﰲ اﳌﺎﺋﺔ(‬ ‫واﻟﺒﻨﻚ اﻟﺘﺠﺎري اﻟﺪوﱄ ﺑﻘﻴﻤﺔ ‪ 2.19‬درﻫﻢ )ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 6.83‬ﰲ‬ ‫اﳌﺎﺋﺔ(‪ 28 .‬ﻣﻦ ‪ 43‬ﻣﻦ اﻟﴩﻛﺎت اﳌﺘﺪاوﻟﺔ ﺳﺠﻠﺖ إرﺗﻔﺎﻋﺎً‪ ،‬ﰲ ﺣني‬ ‫ﺑﻘﻴﺖ ‪ 2‬دون ﺗﻐﻴري وإﻧﺨﻔﻀﺖ ﻗﻴﻤﺔ ‪ .13‬ﰲ أﺑﻮ ﻇﺒﻲ‪ ،‬ﺗﺼﺪر اﻟﻘﻤﺔ‬ ‫ﺳﻬﻢ أﻟﺪا ﻣﻦ ﺣﻴﺚ اﻟﻘﻴﻤﺔ‪ ،‬ﰲ ﺣني ﺳﺠﻞ ﺳﻬﻢ داﻧﺎ أﻋﲆ ﺣﺠﻢ‬ ‫ﺗﺪاول‪.‬‬

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‫ﺣﺼﻠﺖ أﺑﻮﻇﺒﻲ ﻋﲆ ﺗﺼﻨﻴﻒ ‪ Aa2‬ﻣﻦ ﻗﺒﻞ وﻛﺎﻟﺔ ﻣﻮدﻳﺰ ‪ -‬وﻛﺎﻟﺔ‬ ‫اﻟﺘﺼﻨﻴﻒ اﻻﺋﺘامين اﻟﻌﺎﳌﻴﺔ‪ .‬ﰲ أﺣﺪث ﺗﻘﺮﻳﺮ ﻟﻬﺎ ﺣﻮل ﺗﻮﻗﻌﺎت‬ ‫اﻻﻗﺘﺼﺎد واﻻﺋﺘامن ﰲ أﺑﻮﻇﺒﻲ‪ ،‬وﻗﺪ ﺻﻨﻔﺖ اﻟﻮﻛﺎﻟﺔ اﻟﻘﻮة اﻻﻗﺘﺼﺎدﻳﺔ‬ ‫ﻹﻣﺎرة أﺑﻮﻇﺒﻲ ﻋﲆ أﻧﻬﺎ ”ﻋﺎﻟﻴﺔ ﺟﺪا“‪ ،‬وﻳﺮﺟﻊ ذﻟﻚ إﱃ ﺣﺪ ﻛﺒري إﱃ‬ ‫اﻹدارة اﻟﻔﻌﺎﻟﺔ ﻟﻌﺎﺋﺪات اﻹﻣﺎرة ﻣﻦ اﺣﺘﻴﺎﻃﻴﺎت اﻟﻨﻔﻂ واﻟﻐﺎز‪ ،‬واﻟﺘﻲ‬ ‫ﺳﺎﻫﻤﺖ ﰲ اﻟﻔﻮاﺋﺾ اﳌﺎﻟﻴﺔ واﻟﺨﺎرﺟﻴﺔ اﻟﻀﺨﻤﺔ‪ ،‬وﺗﺮاﻛﻢ ﻛﺒري ﻷﺻﻮل‬ ‫ﺻﻨﺎدﻳﻖ اﻟرثوة اﻟﺴﻴﺎدﻳﺔ واﻧﺨﻔﺎض ﻣﺴﺘﻮى اﻟﺪﻳﻦ اﻟﺤﻜﻮﻣﻲ اﳌﺒﺎﴍ‪.‬‬ ‫اﻟﺪول اﻷﺧﺮى اﻟﺘﻲ ﻟﺪﻳﻬﺎ ﺗﺼﻨﻴﻒ ﻣامﺛﻞ ﺗﺸﻤﻞ اﻟرنوﻳﺞ‪ ،‬ﺳﻨﻐﺎﻓﻮرة‬ ‫وﺳﻮﻳﴪا‪ ،‬ﻟﺪﻳﻬﺎ ﺗﺼﻨﻴﻒ ”‪ Aaa‬ﻣﺴﺘﻘﺮ“‪.‬‬ ‫ﻧﺼﻴﺐ اﻟﻔﺮد ﻣﻦ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﰲ أﺑﻮﻇﺒﻲ ﺣﻮاﱄ ‪71,000‬‬ ‫دوﻻر )ﻣﺤﺴﻮﺑﺔ ﻋﲆ أﺳﺎس ﺗﻌﺎدل اﻟﻘﻮة اﻟﴩاﺋﻴﺔ(‪ ،‬واﻟﺬي ﻳﻌﺪ ﻣامﺛﻼً‬ ‫ﻟﻨﺼﻴﺐ اﻟﻔﺮد ﰲ اﻟرنوﻳﺞ و ﺳﻨﻐﺎﻓﻮرة‪ .‬ﺣﻴﺚ متﺜﻞ اﻹﻣﺎرة ﻧﺤﻮ ‪ 93‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻣﻦ إﻧﺘﺎج اﻟﻨﻔﻂ ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬وﻟﻬﺎ ﻣﻦ‬ ‫اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ‪ 911,6‬ﻣﻠﻴﺎر درﻫﻢ‪.‬‬ ‫ﻣﻊ اﻷﺧﺬ ﰲ اﻻﻋﺘﺒﺎر ﻛﻼً ﻣﻦ اﺣﺘﻴﺎﻃﻴﺎت اﻟﻨﻔﻂ واﻟﻐﺎز‪ ،‬ﺗﻜﻮن أﺑﻮﻇﺒﻲ‬ ‫ﺑني ‪ 10‬ﺑﻠﺪان ﰲ اﻟﻌﺎمل ﻟﺪﻳﻬﺎ أﻛﱪ اﺣﺘﻴﺎﻃﻴﺎت اﻟﻨﻔﻂ واﻟﻐﺎز‪ .‬ﻣﻊ اﳌﻌﺪل‬ ‫اﻟﺤﺎﱄ ﻟﻺﻧﺘﺎج‪ ،‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺴﺘﻤﺮ ﻷﻛرث ﻣﻦ ‪ 85‬ﻋﺎﻣﺎً ﻣﻦ‬ ‫اﻻﺣﺘﻴﺎﻃﻴﺎت‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﺨﻤﺲ اﳌﺎﺿﻴﺔ‪،‬‬ ‫اﺳﺘﺜﻤﺮت اﻟﺤﻜﻮﻣﺔ ﻧﺤﻮ ‪ 160‬ﻣﻠﻴﺎر دوﻻر ﰲ ﻣﺸﺎرﻳﻊ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ‬ ‫وﺗﺘﺨﺬ أﻳﻀﺎً ﻣﺒﺎدرات ﻟﺘﻨﻮﻳﻊ اﻗﺘﺼﺎدﻫﺎ‪.‬‬

‫وﻓﻘﺎ ﻟﻮﻛﺎﻟﺔ ﻣﻮدﻳﺰ‪ ،‬ﻓﺈن اﻟﺘﻨﻮﻳﻊ اﻻﻗﺘﺼﺎدي وﺑﻘﺎء أﺳﻌﺎر اﻟﻨﻔﻂ واﻟﻐﺎز‬ ‫ﻣﺮﺗﻔﻌﺔ دون ﺗﻐﻴري ﻳﺪﻋامن اﻟﺘﻮﻗﻌﺎت اﻻﻗﺘﺼﺎدﻳﺔ ﰲ أﺑﻮﻇﺒﻲ‪.‬‬

‫ﺗﺘﻄﻠﻊ أوﻛﺮاﻧﻴﺎ إﱃ زﻳﺎدة وﺟﻮدﻫﺎ ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪.‬‬ ‫ﻏﺮﻓﺔ اﻟﺘﺠﺎرة واﻟﺼﻨﺎﻋﺔ اﻷوﻛﺮاﻧﻴﺔ ﺗﻌﺪ ﻣﺠﻠﺲ اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ ﻫﺬا‬ ‫اﻟﻌﺎم ﳌﺴﺎﻋﺪة اﳌﺴﺘﺜﻤﺮﻳﻦ ﻋﲆ اﺳﺘﻜﺸﺎف اﻟﻔﺮص اﻟﺘﺠﺎرﻳﺔ ﺑني‬ ‫اﻟﺒﻠﺪﻳﻦ‪.‬‬ ‫اﻟﺘﺠﺎرة اﻟﺤﺎﻟﻴﺔ ﺑني أوﻛﺮاﻧﻴﺎ و دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺗﺒﻠﻎ‬ ‫ﻗﻴﻤﺘﻬﺎ ﺣﻮاﱄ ‪ 1.6‬ﻣﻠﻴﺎر درﻫﻢ ﰲ ﺣني أن ﺑﻠﺪان أوروﺑﺎ اﻟﴩﻗﻴﺔ ﺗﻘﺪم‬ ‫ﻓﺮﺻﺎً ﺟﺬاﺑﺔ ﻟﺠﺬب اﳌﺴﺘﺜﻤﺮﻳﻦ ﻣﻦ اﻟﴩق اﻷوﺳﻂ‪ ،‬إﻻ أن ﻛﺜري ﻣﻦ‬ ‫ﻣﻮاﻃﻨﻴﻬﺎ ﻳﻘﻮﻣﻮن ﺑﺈﻧﺸﺎء ﻣﻜﺎﺗﺐ ﻟﻬﻢ ﰲ اﳌﻨﺎﻃﻖ اﻟﺤﺮة ﰲ دوﻟﺔ‬ ‫اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪.‬‬ ‫ﺣﻜﻮﻣﺎت أوﻛﺮاﻧﻴﺎ واﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻗﺪ وﻗﻌﺖ ﺑﺎﻟﻔﻌﻞ‬ ‫اﺗﻔﺎﻗﺎت اﻟﺘﺠﺎرة ﻟﺘﺴﻬﻴﻞ اﻟﺘﺠﺎرة واﻟﺘﻌﺎون اﻻﻗﺘﺼﺎدي ﺑني اﻟﺒﻠﺪﻳﻦ‪.‬‬ ‫وﺗﺘﻀﻤﻦ ﺗﻠﻚ اﻹﺗﻔﺎﻗﺎت أﺣﻜﺎﻣﺎً ﻟﺘﺠﻨﺐ اﻻزدواج اﻟﴬﻳﺒﻲ وﺣامﻳﺔ‬ ‫اﻻﺳﺘﺜامرات‪.‬‬ ‫وﻓﻘﺎً ﳌﺼﺎدر اﻟﻐﺮﻓﺔ‪ ً ،‬ﺣﻮاﱄ ‪ 20‬ﴍﻛﺔ أوﻛﺮاﻧﻴﺔ ﺣﺎﻟﻴﺎً ﻟﺪﻳﻬﺎ ﻣﻜﺎﺗﺐ‬ ‫متﺜﻴﻠﻴﺔ ﰲ اﳌﻨﻄﻘﺔ اﻟﺤﺮة ﰲ رأس اﻟﺨﻴﻤﺔ‪ ،‬وﻏريﻫﺎ اﻟﻜﺜري ﻣﻦ اﻟﴩﻛﺎت‬ ‫اﻟﺘﻲ ﺗﺒﺤﺚ ﰲ إﻗﺎﻣﺔ وﺟﻮد ﻟﻬﺎ ﰲ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪.‬‬

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‫‪2014‬‬ ‫ﺑﻌﺪ ﺗﺴﺠﻴﻞ منﻮ ﺻﺤﻲ مبﻌﺪل ‪ 4.6‬ﰲ اﳌﺎﺋﺔ اﻟﻌﺎم اﳌﺎﴈ‪ ،‬ﻣﻦ اﳌﺘﻮﻗﻊ‬ ‫أن ﻳﺴﺠﻞ ﻣﻌﺪل منﻮ ﻣامﺛﻞ ﰲ ﻋﺎم ‪ ،2014‬وﻓﻘﺎً ﻟﺘﻮﻗﻌﺎت ﺟﻨﺎح‬ ‫اﻟﺒﺤﻮث اﻻﻗﺘﺼﺎدﻳﺔ ﻟﺒﻨﻚ ديب اﻟﻮﻃﻨﻲ‪ .‬ﻣﺴﺎﻫﻤﺔ اﻟﻘﻄﺎع اﻟﻨﻔﻄﻲ ﰲ‬ ‫اﻟﻨﻤﻮ ﰲ اﻟﺒﻼد ﰲ ﻋﺎم ‪ 2014‬ﻣﻦ اﳌﺮﺟﺢ أن ﻳﻜﻮن ﻋﻨﺪ اﻟﺤﺪ اﻷدىن‬ ‫ﺣﻴﺚ أن زﻳﺎدة اﻧﺘﺎج اﻟﻨﻔﻂ اﻟﺨﺎم ﺑني ﻋﺎﻣﻲ ‪ 2011‬و ‪ 2013‬ﻋﻨﺪ أدىن‬ ‫ﻣﺴﺘﻮﻳﺎﺗﻬﺎ ﻣﻊ زﻳﺎدة ﻣﺘﻮﻗﻌﺔ ﺑﻨﺴﺒﺔ ‪ 2‬ﰲ اﳌﺎﺋﺔ ﰲ إﻧﺘﺎج اﻟﻨﻔﻂ‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻣﻦ اﳌﺘﻮﻗﻊ ﻫﺬا اﻟﻌﺎم أن ﺗﺮﺗﻔﻊ إﻣﺪادات اﻟﺪول‬ ‫اﻷﺧﺮى ﰲ اﳌﻨﻄﻘﺔ‪ ،‬مبﺎ ﻓﻴﻬﺎ إﻳﺮان واﻟﻌﺮاق وﻟﻴﺒﻴﺎ‪.‬‬ ‫ﻣﻊ اﻻﻧﺘﻌﺎش اﻻﻗﺘﺼﺎدي اﳌﺤﲇ واﻹﻗﻠﻴﻤﻲ اﻟﺬي ﻳﻌﺰز أداء اﻟﻘﻄﺎﻋﺎت‬ ‫ﻏري اﻟﻨﻔﻄﻴﺔ ﰲ ﻋﺎم ‪ ،2013‬وﺧﺎﺻﺔ ﰲ ديب‪ ،‬ﺳﺠﻠﺖ اﻟﺼﻨﺎﻋﺎت‬ ‫اﻟﺘﺤﻮﻳﻠﻴﺔ‪ ،‬اﻟﺘﺠﺎرة واﻟﻀﻴﺎﻓﺔ منﻮا ً ﻗﻮﻳﺎً ﰲ اﻟﻨﺼﻒ اﻷول ﻣﻦ اﻟﻌﺎم‪.‬‬ ‫وﻳﻌﺘﻘﺪ ﻣﺤﻠﻠﻮن أن منﻮ اﻟﻘﻄﺎﻋﺎت ﻏري اﻟﻨﻔﻄﻴﺔ ﺳﻮف ﻳﻜﻮن ﻟﻪ اﻟﺘﺄﺛري‬ ‫اﻷﻛﱪ ﰲ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي ﰲ دوﻟﺔ اﻹﻣﺎرات‪.‬‬ ‫ﻋﲆ ﻣﺪى اﻟﻌﻘﺪ اﳌﺎﴈ‪ ،‬منﺖ اﻟﻘﻄﺎﻋﺎت ﻏري اﻟﻨﻔﻄﻴﺔ ﰲ اﻹﻣﺎرات‬ ‫‪www.valoran.ae‬‬

‫اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺑﴪﻋﺔ ﻟﺘﺤﻞ ﻣﺤﻞ ﻗﻄﺎع اﻟﻨﻔﻂ ﺑﺎﻋﺘﺒﺎرﻫﺎ اﳌﺴﺎﻫﻢ‬ ‫اﻟﺮﺋﻴﴘ ﰲ منﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ‪ .‬ﻛﺎﻧﺖ اﻟﺴﻴﺎﺳﺎت اﻟﺸﻔﺎﻓﺔ ﰲ‬ ‫اﻟﺒﻼد واﻹﺟﺮاءات اﻟﺴﻬﻠﺔ ﳌامرﺳﺔ اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ ﺟﺰءا ً ﻫﺎﻣﺎً ﰲ ﻫﺬا‬ ‫اﻟﺘﻄﻮر‪ .‬وﺗﺤﺘﻞ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة اﳌﺮﺗﺒﺔ اﻟﺜﺎﻧﻴﺔ ﻣﻦ‬ ‫ﺣﻴﺚ اﻟﺘﻨﺎﻓﺴﻴﺔ ﰲ ﻣامرﺳﺔ اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ )ﺑﻌﺪ ﻗﻄﺮ( ﰲ ﻣﻨﻄﻘﺔ‬ ‫اﻟﴩق اﻷوﺳﻂ‪ ،‬وﺗﺤﺘﻞ اﳌﺮﺗﺒﺔ ‪ 19‬ﻣﻦ أﺻﻞ ‪ 148‬دوﻟﺔ ﰲ ﻣﺆﴍ‬ ‫اﻟﺘﻨﺎﻓﺴﻴﺔ ﻟﻠﻤﻨﺘﺪى اﻻﻗﺘﺼﺎدي اﻟﻌﺎﳌﻲ‪.‬‬ ‫ﻣﻦ ﺑني اﻟﻘﻄﺎﻋﺎت اﻟﺘﻲ ﺳﺎﻫﻤﺖ ﰲ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي ﻗﻄﺎﻋﺎت ﺗﺠﺎرة‬ ‫اﻟﺠﻤﻠﺔ واﻟﺘﺠﺰﺋﺔ )‪ 11‬ﰲ اﳌﺎﺋﺔ(‪ ،‬اﻟﺒﻨﺎء واﻟﻌﻘﺎرات )‪ 9‬ﰲ اﳌﺎﺋﺔ(‪،‬‬ ‫اﻟﺘﺼﻨﻴﻊ )‪ 9‬ﰲ اﳌﺎﺋﺔ(‪ ،‬و اﻟﺘﺨﺰﻳﻦ واﻻﺗﺼﺎﻻت )‪ 8‬ﰲ اﳌﺎﺋﺔ(‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﰲ ﺣني ﻳﺸﻬﺪ ﺳﻮق ديب اﻟﻌﻘﺎري اﻧﺘﻌﺎﺷﺎً ﰲ زﻳﺎدة أﺳﻌﺎر اﻟﺒﻨﺎء وأﺳﻌﺎر‬ ‫اﻟﻌﻘﺎرات‪ ،‬أدت اﻟﺜﻘﺔ اﳌﺘﺠﺪدة ﰲ ﺳﻮق اﻟﻌﻘﺎرات إﱃ إﻃﻼق ﻋﺮض‬ ‫ﻋﻘﺎري ﺟﺪﻳﺪ ﻟﻠﻤﺴﺘﻬﻠﻚ‪ ،‬ﻧﻜﺴﺖ ﻣﻮوف ﻻﻳﻒ‪ ،‬اﻟﺬي ﻳﻬﺪف إﱃ‬ ‫ﺗﺰوﻳﺪ اﻟﺰوار ﺑﻜﺎﻓﺔ اﳌﻌﻠﻮﻣﺎت اﻟﺘﻲ ﻳﺤﺘﺎﺟﻮﻧﻬﺎ ﻋﻨﺪ ﴍاء ﻋﻘﺎراﺗﻬﻢ‬ ‫اﳌﺴﺘﻘﺒﻠﻴﺔ‪ ،‬ﺳﻮاء ﻛﺎﻧﺖ ﻓﻴﻼ أو ﺷﻘﺔ‪.‬‬ ‫وﻓﻘﺎً ﻟﺘﻮﻗﻌﺎت داﺋﺮة اﻷراﴈ واﻷﻣﻼك‪ ،‬ﻓﺈن أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ ديب‬ ‫ﺳﻮف ﺗﺮﺗﻔﻊ ﺑﻨﺴﺒﺔ ‪ 40‬ﰲ اﳌﺎﺋﺔ ﻫﺬا اﻟﻌﺎم‪ .‬ارﺗﻔﺎع اﻷﺳﻌﺎر ﻫﻮ اﳌﺮﺟﺢ‬ ‫أن ﺗﺴﺘﻤﺮ ﺑﻮﺻﻔﻬﺎ اﻟﺒﻠﺪ ﺗﺴﺘﻌﺪ ﻻﺳﺘﻀﺎﻓﺔ ﻣﻌﺮض اﻛﺴﺒﻮ اﻟﻌﺎﳌﻰ ﻋﺎم‬ ‫‪.2020‬‬ ‫اﳌﻌﺮض اﻟﻌﻘﺎري اﻟﺬي ﺳﻮف ﻳﺴﺘﻤﺮ ﻋﲆ ﻣﺪار ﺛﻼﺛﺔ أﻳﺎم ﺳﻮف ﻳﺠﻤﻊ‬ ‫ﺑني اﳌﻄﻮرﻳﻦ‪ ،‬اﻟﻮﻛﻼء واﻟﺒﻨﻮك‪ ،‬ﰲ ﺣني ﻳﻌﻄﻲ اﻟﻔﺮﺻﺔ ﻟﻠﻤﺴﺘﻬﻠﻜني‬ ‫ﻻﺳﺘﻜﺸﺎف اﻟﺨﻴﺎرات اﳌﺨﺘﻠﻔﺔ اﳌﺘﺎﺣﺔ ﰲ اﻟﺴﻮق‪.‬‬

‫ﻧﻜﺴﺖ ﻣﻮوف ﻻﻳﻒ‪ ،‬واﻟﺬي ﻳﻌﺪ ﻣﴩوع ﻣﻨﻈﻤﻲ ﻣﻌﺮض ﺳﻴﺘﻲ‬ ‫ﺳﻜﻴﺐ‪ ،‬ﺳﻮف ﻳﻌﻘﺪ ﰲ اﻟﻔﱰة ﻣﻦ ‪ 20-22‬ﻓﱪاﻳﺮ ‪ 2014‬ﰲ ﻣﺪﻳﻨﺔ‬ ‫ﺟﻤريا‪ .‬وﺳﻴﺸﻬﺪ اﻟﺤﺪث إﻃﻼق اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﺸﺎرﻳﻊ اﻟﺠﺪﻳﺪة‪ ،‬مبﺎ ﰲ‬ ‫ذﻟﻚ ﺑﺎﺳﻴﻔﻴﻚ ﻓﻴﻠﺪج وديب ﻻﻳﻒ ﺳﺘﺎﻳﻞ ﺳﻴﺘﻲ ﻣﻦ ﻗﺒﻞ ﴍﻛﺔ ﺑﺎﺳﻴﻔﻴﻚ‬ ‫ﻓﻴﻨﺘﺸﻮرز‪ .‬واﻟﴩﻛﺔ ﻫﻲ اﻟﺮاﻋﻲ اﻟﻔﴤ ﻟﻬﺬا اﻟﺤﺪث وﻫﻲ ﴍﻛﺔ‬ ‫ﺗﻄﻮﻳﺮ ﻋﻘﺎري ﻣﻌﺮوﻓﺔ ﰲ ﻗﻄﺎع اﻟﻌﻘﺎرات اﻟﻔﺨﻤﺔ‪ .‬وﺗﺸﻤﻞ اﻟﺠﻬﺎت‬ ‫اﻟﺮاﻋﻴﺔ اﻟﺒﻼﺗﻴﻨﻴﺔ ﻟﻬﺬا اﻟﺤﺪث ﺛﻼث ﴍﻛﺎت راﺋﺪة ﰲ ﻣﺠﺎل اﻟﺘﻄﻮﻳﺮ‬ ‫اﻟﻌﻘﺎري ﰲ اﳌﻨﻄﻘﺔ ‪ -‬اﻟﺪار‪ ،‬داﻣﺎك وﻓﻼش‪.‬‬

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‫‪2014‬‬

‫‪20‬‬ ‫ﰲ أﺣﺪث ﻣﺆﴍ ﻟﺰﺧﻢ اﳌﺪن )‪ (CMI‬اﻟﺬي ﺗﻘﻮم ﺑﻪ ﴍﻛﺔ اﺳﺘﺸﺎرﻳﺔ‬ ‫راﺋﺪة ﰲ ﻣﺠﺎل اﻟﻌﻘﺎرات وﻫﻲ ﴍﻛﺔ ﺟﻮﻧﺰ ﻻﻧﻎ ﻻﺳﺎل‪ ،‬ﻛﺎﻧﺖ ديب‬ ‫ﺿﻤﻦ ﻗﺎمئﺔ اﳌﺪن اﻟـ ‪ 20‬اﻷﻛرث دﻳﻨﺎﻣﻴﻜﻴﺔ ﰲ اﻟﻌﺎمل‪ .‬وﻗﺪ اﺣﺘﻠﺖ‬ ‫اﳌﺪﻳﻨﺔ اﳌﺮﻛﺰ اﻟﺜﺎﻟﺚ ﺑﻌﺪ ﺳﺎن ﻓﺮاﻧﺴﻴﺴﻜﻮ وﻟﻨﺪن‪ ،‬اﻟﻠﺘني إﺣﺘﻠﺘﺎ‬ ‫اﳌﺮﻛﺰﻳﻦ اﻷول واﻟﺜﺎين‪ ،‬ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫أﺣﺪث ‪ CMI‬ﻳﺘﺠﺎوز ﺗﺼﻨﻴﻔﺎت اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ اﻟﺘﻘﻠﻴﺪﻳﺔ‬ ‫وﻳﻘﻮم ﺑﺘﺤﻠﻴﻞ اﻟﻌﻮاﻣﻞ اﻟﺮﺋﻴﺴﻴﺔ اﻷﺧﺮى‪ ،‬ﻣﺜﻞ اﻟﻌﻘﺎرات اﻟﺘﺠﺎرﻳﺔ‪،‬‬ ‫واﻟﺘﻲ ﺗﻌﺪ ﻣﺴﺆوﻟﺔ ﻋﻦ ارﺗﻔﺎع اﻟﺰﺧﻢ ﰲ اﳌﺪن اﻟﺪﻳﻨﺎﻣﻴﻜﻴﺔ‪ .‬ﻳﻘﻮم‬ ‫‪ CMI‬ﺑﺘﻘﻴﻴﻢ أداء ‪ 111‬ﻣﺪﻳﻨﺔ ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ ،‬وإﻋﻄﺎء ﻛﻞ ﻣﻨﻬﺎ‬ ‫ﻣﺠﻤﻮع ﻧﻘﺎط ﻳﻌﺘﻤﺪ ﻋﲆ ‪ 34‬ﻣﺘﻐري‪ .‬ﻣﻦ ﺑﻴﻨﻬﺎ‪ ،‬اﳌﺘﻐريات اﻻﺟﺘامﻋﻴﺔ‬ ‫واﻻﻗﺘﺼﺎدﻳﺔ ﻋﲆ اﳌﺪى اﻟﻘﺼري ﻣﺜﻞ منﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ‪،‬‬ ‫اﻟﺴﻜﺎن‪ ،‬ﻣﻌﺪﻻت اﻻﺳﺘﺜامر اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ اﻷﺧرية و ﺗﻮﻗﻌﺎت أﺧﺮى‬ ‫متﺜﻞ ﻧﺤﻮ ‪ 40‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻨﺘﻴﺠﺔ اﳌﺮﺟﺤﺔ‪ .‬اﳌﺘﻐريات اﻟﺘﺠﺎرﻳﺔ ﻟﻠﺰﺧﻢ‬ ‫اﻟﻌﻘﺎري ﻋﲆ اﳌﺪى اﻟﻘﺼري ﻣﺜﻞ ﺑﻨﺎء اﳌﻜﺎﺗﺐ‪ ،‬ﻣﻌﺪل اﻟﻄﻠﺐ وإﻳﺠﺎرات‬ ‫اﳌﻜﺎﺗﺐ‪ ،‬ﻣﻦ ﺑني أﻣﻮر أﺧﺮى‪ ،‬ﻣﻦ اﳌﺮﺟﺢ أﻧﻬﺎ متﺜﻞ ﻧﺴﺒﺔ ‪ 30‬ﰲ اﳌﺎﺋﺔ‪،‬‬ ‫ﰲ ﺣني أن اﳌﺘﻐريات ﻋﲆ اﳌﺪى اﻟﻄﻮﻳﻞ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ‬ ‫اﻟﺘﻌﻠﻴﻤﻴﺔ‪ ،‬ووﺟﻮد اﻟﺠﺎﻣﻌﺎت و ﴍﻛﺎت رأس اﳌﺎل اﻻﺳﺘﺜامري و‬ ‫ﴍﻛﺎت اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ‪ ،‬ﻓﻀﻼً ﻋﻦ ﺣﺴﺎب اﻟﻘﺪرة اﻟﺸﺎﻣﻠﺔ ﻋﲆ اﻻﺑﺘﻜﺎر‬ ‫متﺜﻞ اﻟﻨﺴﺒﺔ اﳌﺘﺒﻘﻴﺔ وﻫﻲ ‪ 30‬ﰲ اﳌﺎﺋﺔ‪.‬‬

‫وﺗﻀﻢ اﻟﻘﺎمئﺔ ﻣﺪن أﺧﺮى ﻣﻨﻬﺎ ﺳﺒﻌﺔ ﻣﺪن ﻣﻦ اﻟﺼني )دون ﺣﺴﺎب‬ ‫ﻫﻮﻧﻎ ﻛﻮﻧﻎ( ‪ -‬ﺷﺎﻧﻐﻬﺎي‪ ،‬وﻫﺎن‪ ،‬ﺷﻨﺘﺸﻦ‪ ،‬ﺑﻜني‪ ،‬ﺗﺸﻨﻐﺪو وﺗﻴﺎﻧﺠني‪.‬‬ ‫إﱃ ﺟﺎﻧﺐ ﻧﻴﻮﻳﻮرك‪ ،‬ﻳﺘﻢ متﺜﻴﻞ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة ﻋﻦ ﻃﺮﻳﻖ اﳌﺪن‬ ‫اﳌﺪﻓﻮﻋﺔ ﺗﻜﻨﻮﻟﻮﺟﻴﺎً ﻣﺜﻞ ﻣﺪن أوﺳنت‪ ،‬ﺳﺎن ﺧﻮﺳﻴﻪ‪ ،‬ﻟﻮس اﻧﺠﻠﻴﺲ‪،‬‬ ‫ﺑﻮﺳﻄﻦ وﺳﻴﺎﺗﻞ‪ .‬ﺑﻴﻨام إﺣﺘﻠﺖ ﻣﺮاﻛﺰ اﻟﻘﻮى اﻻﻗﺘﺼﺎدﻳﺔ اﻵﺳﻴﻮﻳﺔ‬ ‫ﺳﻨﻐﺎﻓﻮرة وﻃﻮﻛﻴﻮ اﳌﺮﺗﺒﺔ ‪ 10‬و ‪ 19‬ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫وﺑﺎﻻﺿﺎﻓﺔ اﱃ ﻫﺬا‪ ،‬ﻧﺠﺪ ﺟﺎﻛﺮﺗﺎ وﻟﻴام‪ ،‬وﻛﻼﻫام ﻣﺪﻓﻮﻋﺘﺎن ﺑﴪﻋﺔ‬ ‫وﺗرية اﻻﺳﺘﻬﻼك ﰲ اﳌﻨﺎﻃﻖ اﻟﺤﴬﻳﺔ‪ ،‬ﰲ اﳌﺮﺗﺒﺘني ‪ 12‬و ‪.20‬‬

‫‪30‬‬ ‫اﻟﺒﻨﻚ اﻟﺪوﱄ وﺿﻊ ديب ﰲ اﳌﺮﺗﺒﺔ اﻟﺮاﺑﻌﺔ ﺿﻤﻦ ﻣﺆﴍه ﳌامرﺳﺔ‬ ‫اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ ﻧﺘﻴﺠﺔ ﻟﻘﺪرة داﺋﺮة اﻷراﴈ واﻷﻣﻼك ﰲ ديب )‪(DLD‬‬ ‫ﻋﲆ ﻣﻌﺎﻟﺠﺔ وإﻧﻬﺎء ﻧﻘﻞ ﺳﻨﺪ اﳌﻠﻜﻴﺔ ﺧﻼل ‪ 30‬دﻗﻴﻘﺔ‪ .‬وﻗﺪ ﺗﺤﻘﻖ‬ ‫ﻫﺬا اﻟﱰﺗﻴﺐ ﺑﻌﺪ ﻗﻴﺎم داﺋﺮة اﻷراﴈ واﻷﻣﻼك ﰲ ديب ‪ DLD‬ﺑﺘﻨﻈﻴﻢ‬ ‫إﺟﺮاءاﺗﻬﺎ ﻣﻦ أﺟﻞ ﺗﺒﺴﻴﻂ ﻋﻤﻠﻴﺔ ﻧﻘﻞ اﳌﻠﻜﻴﺔ ﻟﻠﻌﻤﻼء‪ .‬ﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪،‬‬ ‫ميﻜﻦ ﻟﻠﻌﻤﻼء اﻵن إﻛامل ﻋﻤﻠﻴﺎت ﻧﻘﻞ ﺳﻨﺪ اﳌﻠﻜﻴﺔ اﻟﻌﻘﺎرﻳﺔ ﰲ‬ ‫ﻏﻀﻮن ﻧﺼﻒ ﺳﺎﻋﺔ ﻋﻦ ﻃﺮﻳﻖ زﻳﺎرة أي ﻣﻜﺘﺐ رﺋﻴﴘ ﻟﺪاﺋﺮة اﻷراﴈ‬ ‫واﻷﻣﻼك ﰲ ديب ‪ DLD‬أو أﺣﺪ ﻣﻜﺎﺗﺐ أﻣﻨﺎء اﻟﺘﺴﺠﻴﻞ اﻹﺛﻨﺎ ﻋﴩ‬ ‫اﻟﺘﺎﺑﻌﺔ‪.‬‬ ‫ﻳﻬﺪف ﻣﺆﴍ ﻣامرﺳﺔ اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ إﱃ ﻗﻴﺎس اﻟﺸﻔﺎﻓﻴﺔ واﻟﺴﻬﻮﻟﺔ‬ ‫اﻟﺘﻲ ﻳﺘﻢ ﺑﻬﺎ ﺗﺴﺠﻴﻞ اﻟﻌﻘﺎرات ﰲ اﳌﺪن ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ .‬وﻗﺪ‬ ‫ﺳﺎﻋﺪ ﺗﻨﻔﻴﺬ ديب ﻣﺆﺧﺮا ً ﻟﻌﻤﻠﻴﺔ“اﻹﺟﺮاء اﻟﻮاﺣﺪ“ﻟﺘﺴﺠﻴﻞ ﻣﻠﻜﻴﺔ اﻟﻌﻘﺎر‬ ‫ﰲ ﺗﻘﺪﻣﻬﺎ مثﺎﻧﻴﺔ ﻣﺮاﺗﺐ ﻣﻦ اﳌﺮﺗﺒﺔ اﻟﺜﺎﻧﻴﺔ ﻋﴩ اﻟﺘﻲ ﺗﻢ ﻣﻨﺤﻬﺎ إﻳﺎﻫﺎ‬ ‫ﰲ ﻋﺎم ‪.2012‬‬ ‫ﺗﻌﺪ ﻋﻤﻠﻴﺔ“اﻹﺟﺮاء اﻟﻮاﺣﺪ“ﺟﺰءا ً ﻣﻦ ﺟﻬﻮد داﺋﺮة اﻷراﴈ واﻷﻣﻼك ﰲ‬ ‫ديب ‪ DLD‬ﻟﺪﻋﻢ ﻣﺒﺎدرات ﺣﻜﻮﻣﺔ ديب ﻟﻠﺤﺼﻮل ﻋﲆ اﺳﺘﻌﺪاد اﳌﺪﻳﻨﺔ‬ ‫ﻻﺳﺘﻀﺎﻓﺔ ﻣﻌﺮض وورﻟﺪ اﻛﺴﺒﻮ ‪ - 2020‬اﻟﺤﺪث اﻟﺘﺴﻮﻳﻘﻲ اﻷﻛﱪ ﰲ‬ ‫اﻟﻌﺎمل‪.‬‬

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‫ﺗﺰاﻣﻨﺎً ﻣﻊ أزﻣﺔ اﻹﻣﺪاد اﻟﺘﻲ ﺗﴬب اﻟﺴﻮق‪ ،‬ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺮﺗﻔﻊ‬ ‫اﻹﻳﺠﺎرات ﰲ أﺑﻮﻇﺒﻲ ﻫﺬا اﻟﻌﺎم‪ .‬وﺳﻴﻜﻮن ﻫﺬا ﺑﻨﺴﺒﺔ أﻛﱪ ﻣﻦ ﻧﺴﺒﺔ‬ ‫‪ 18‬ﰲ اﳌﺎﺋﺔ ﻋﺎم ‪ .2013‬ﺑﺤﺴﺐ ﴍﻛﺔ أﺳﺘﻴﻜﻮ‪ ،‬ﻓﺈن ﻫﺬا اﻟﻮﺿﻊ ﻗﺪ‬ ‫ﻧﺘﺞ ﻋﻦ ﻋﺪم ﻗﺪرة اﻟﻌﺮض ﻣﻦ ﻣﻮاﻛﺒﺔ ارﺗﻔﺎع اﻟﻄﻠﺐ‪ .‬ﻣﻘﺎرﻧﺔ ﻣﻊ‬ ‫إﻣﺎرة ديب اﳌﺠﺎورة‪ ،‬واﻟﺘﻲ ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﻨﺘﻬﻲ ﻣﻦ ‪ 28,000‬وﺣﺪة‬ ‫ﺳﻜﻨﻴﺔ ﰲ ﻋﺎم ‪ ،2014‬ﻓﺈن ﻣﺨﺰون أﺑﻮﻇﺒﻲ ﺳﻮف ﻳﺰﻳﺪ مبﻌﺪل ‪.8,500‬‬ ‫أدى اﳌﺮﺳﻮم اﻟﺼﺎدر ﻋﻦ ﺣﻜﻮﻣﺔ أﺑﻮﻇﺒﻲ اﻟﻌﺎم اﳌﺎﴈ اﻟﺬي ﻳﻠﺰم‬ ‫ﻣﻮﻇﻔﻲ اﻟﺤﻜﻮﻣﺔ ﺑﺎﻹﻗﺎﻣﺔ ﰲ اﻟﻌﺎﺻﻤﺔ ﻣام أدى إﱃ إﻧﺘﻘﺎل ﻛﺜري ﻣﻦ‬ ‫اﻟﻨﺎس إﱃ اﻹﻣﺎرة‪ ،‬ﻣام ﺗﺴﺒﺐ ﰲ إرﺗﻔﺎع ﻛﺒري ﰲ ﻣﻌﺪل اﻹﻳﺠﺎرات‪.‬‬ ‫ﺣﻴﺚ أن اﻳﺠﺎرات اﻟﺸﻘﻖ اﳌﺘﻮﺳﻄﺔ ﺷﻬﺪت أﺷﺪ اﻻرﺗﻔﺎﻋﺎت‪ ،‬وﺧﺎﺻﺔ‬ ‫ﰲ ﻣﻨﺎﻃﻖ ﻣﺜﻞ اﻟﺒﻨﺪر ﰲ ﺷﺎﻃﺊ اﻟﺮاﺣﺔ‪ .‬وﻓﻘﺎً ﻟﺒﻴﺎن ﺻﺎدر ﻋﻦ ﻣﻤﺜﲇ‬ ‫ﴍﻛﺔ أﺳﺘﻴﻜﻮ‪ ،‬ﻣﺘﻮﺳﻂ اﻳﺠﺎرات اﻟﺸﻘﻖ اﳌﻜﻮﻧﺔ ﻣﻦ ﻏﺮﻓﺘﻲ ﻧﻮم ﰲ‬ ‫وﺳﻂ اﳌﺪﻳﻨﺔ ﺑﻠﻎ ﺣﻮاﱄ ‪ 70,000‬درﻫﻢ ﰲ اﻟﺴﻨﺔ‪ .‬ﻛام إرﺗﻔﻌﺖ‬ ‫إﻳﺠﺎرات اﻟﺸﻘﻖ اﻟﺪﻧﻴﺎ أﻳﻀﺎً ﺑﺸﻜﻞ ﻫﺎﻣﴚ‪ ،‬وﻟﻜﻦ ﻣﻊ اﻟﺘﻌﺪﻳﻞ ﰲ‬

‫ﻣﻨﻬﺠﻴﺔ ﺣﺴﺎب اﻹﻳﺠﺎر ﻟﻬﺬه اﻟﻔﺌﺔ ﺧﻼل اﻟﻌﺎم‪ ،‬ﻓﺈﻧﻪ ﻟﻴﺲ ﻣﻦ اﳌﻤﻜﻦ‬ ‫ﻗﻴﺎس اﻻرﺗﻔﺎع ﺑﺪﻗﺔ‪.‬‬ ‫ﻇﻠﺖ اﻹﻳﺠﺎرات ﰲ اﻟﺘﺠﻤﻌﺎت اﻟﺴﻜﻨﻴﺔ اﻟﺮاﻗﻴﺔ ﻣﺜﻞ ﺟﺰﻳﺮة اﻟﺴﻌﺪﻳﺎت‬ ‫و اﻻﺗﺤﺎد ﺑﻼزا دون ﺗﻐﻴري‪ ،‬ﺣﻴﺚ أن ﻣﻌﻈﻢ اﻟﺴﻜﺎن مل ﻳﻨﺘﻘﻠﻮا ﺧﻼل‬ ‫اﳌﻮﺟﺔ اﻟﺴﺎﺑﻘﺔ ﻣﻦ إرﺗﻔﺎع اﻹﻳﺠﺎرات‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﰲ ﺑﻌﺾ اﻟﺸﻘﻖ‬ ‫اﻟﺮاﻗﻴﺔ اﻷﺧﺮى‪ ،‬مبﺎ ﰲ ذﻟﻚ ﻏﻮﻟﺪن ﺗﺎور ﰲ ﻣﻌﺴﻜﺮ آل ﻧﻬﻴﺎن‪ ،‬ارﺗﻔﻌﺖ‬ ‫اﻹﻳﺠﺎرات ﺑﻨﺴﺒﺔ ‪ 11‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫وﻓﻘﺎً ﻟﴩﻛﺔ أﺳﺘﻴﻜﻮ اﻟﻮﻛﻴﻞ اﻟﻌﻘﺎري‪ ،‬ﻣﻊ إزاﺣﺔ اﻟﺴﺘﺎر ﻋﻦ إرﺗﻔﺎع‬ ‫اﻹﻳﺠﺎر‪ ،‬واﻟﺬي إﻗﺘﴫ ﰲ وﻗﺖ ﺳﺎﺑﻖ ﻋﲆ ‪ 5‬ﰲ اﳌﺎﺋﺔ و اﻧﺨﻔﺎض‬ ‫اﻟﻌﺮض ﻣﻦ اﳌﺴﺎﻛﻦ اﻟﺠﺪﻳﺪة‪ ،‬ميﻜﻦ أن ﺗﺮﺗﻔﻊ اﻻﻳﺠﺎرات أﻛرث‪.‬‬

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HAPPY NEW YEAR 2014 Valoran Real Estate Brokers

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Prepared by: Alpha & Beta FZE

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