January 2014 - eZine

Last Month at a Glance

Dubai Government Emphasizes Need to Abide by RERA Rules Pertaining to Rent Increases

Dubai Realty Already Experiencing the Boost of the World Expo Win New Regulations for Holiday Home Market in Dubai International Real Estate News

Investors and Cash Buyers Contributing to US Housing Market Recovery Sales and Prices of Residential Property in Hong Kong Expected to Fall in 2014 Scotland: Prime Property Prices on the Rise Issue No. 13 - January 2014

India

International property market

Latest From the Economy

Dubai Stock Index Gains at 100 per cent in 2013 New Mortgage Rules to be Implemented by UAE Banks Abu Dhabi Headquartered Etihad Airlines Invests in Foreign Carriers 2013 Has Been a Good Year for UAE Tourism Dubai Freehold Property

Jumeirah Park International Property Markets

International Property Markets - India Real Estate Investing Lessons

Lesson 11: Property Evaluation: Understanding Contracts

Prepared by: Alpha & Beta FZE

VALORAN MEMBER

www.valoran.ae

HAPPY NEW YEAR 2014 Valoran Real Estate Brokers

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

News Digest

Last month at a glance

Dubai Government Emphasizes Need to Abide

by RERA Rules Pertaining to Rent Increases The Dubai Government has stressed the importance of adhering to the rules and regulations set by the Real Estate Regulatory Agency (RERA), with regard to rent increases within the Emirate. The press statement by the government, which came close on the heels of Dubai’s World Expo 2020 win, encouraged RERA to standardize and regulate rents for properties, irrespective of whether the property was located in the city or in one of the free zones in the Emirate. In addition, it emphasized the need for the regulatory agency to enforce its laws across all categories of rental properties – private, commercial and government-owned.

increases would be allowed for properties that had rents less than 10 per cent of average rent values of similar units. In the case of average similar rent values between 11 per cent and 20 per cent the maximum rent increases would be restricted to 5 per cent of rent value, while rent values lower than 21 per cent to 30 per cent could have maximum rent increases of up to 10 per cent of the rent value. For properties with average similar rent values ranging from 31 per cent to 40 per cent, the maximum rent increase cannot exceed 15 per cent, and a maximum rent increase of 20 per cent would be allowed for units with average similar rent values lower than 40 per cent.

As per a decree issued by HH Sheikh Mohammed bin Rashid Al Maktoum, Ruler of Dubai and Vice President and Prime Minister of the UAE, no rent

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Dubai Realty Already Experiencing the Boost of the World Expo Win Land values in Dubai are already experiencing notable spikes with asking prices in some of the upcoming freehold master developments increasing just a few days after the win. Dubai World Central, where the majority of the Expo 2020 infrastructure will come up, has seen the values of plots rising from earlier values of Dh 90-110 per square foot to reach around Dh 130-150 per square foot. Similarly, in Mohammad Bin Rashid City, especially the areas near Meydan, prices for some of the smaller plots have more than doubled from earlier values of Dh 120-140 to reach Dh 300 per square foot.

Dubai’s World Expo bid is also attracting new players, such as Sunteck Realty, a publicly listed company from India, which is looking to develop super premium residences using either a joint venture model or as joint developers in some of the recently outlined master developments. While the exact location of these developments is still under wraps, it’s likely that they are in Downtown Dubai or MBR City.

It’s not only the new projects that are attracting investors. Recently, high net worth investors have

also entered into joint ventures with developers to revive projects that were stalled for various reasons. While part of the increased investor interest is due to the rise in prices, over the past few quarters, property values are nowhere near those witnessed during the peak in 2008.

The recent efforts by the government to put regulations in place to cool down the market and prevent overheating have added to the optimistic sentiment of the residents following the World Expo win. Investors who were earlier following a wait-and-see approach are now more confident about Dubai’s property market.

New Regulations for Holiday Home Market in Dubai As per Decree No.41 of 2013 issued by Ruler of Dubai HH Sheikh Mohammad Bin Rashid Al Maktoum, Vice-President and Prime Minister of the UAE, the Department of Tourism and Commerce Marketing (DTCM) will have the authority to grant licenses to property owners or parties who want to rent out their furnished residential properties.

The DTCM will have to define standards and procedures that will have to be followed for acquiring a license to rent out properties on a daily, weekly or monthly basis. This will include the steps to be taken by the body to accept applications, review them, either approve or deny the license, conduct property inspections to verify if the holiday homes meet the prescribed standards and maintain a database of all such establishments in Dubai. There will be certain restrictions on the areas where holiday homes can be operated.

Homes will also be categorized as either ‘Standard’ or ‘Deluxe’ as per the criteria defined by the DTCM. The new regulations will benefit the tourism and real estate sectors. With the emirate expected to receive over 20 million annual visitors in 2020, private holiday homes will contribute towards meeting the demand for visitor accommodation.

The regulations will ensure that visitors can confidently book a private apartment, house or villa without having to worry about its quality or management.

4

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

While the decree has been issued, DTCM has to start work on defining the directives and setting up processes in order for well-regulated holiday homes to become a reality.

Office Rents Spike in Dubai As per CBRE data, Dubai is ranked 23rd in the world in terms of high office space rentals and other associated costs, making it the costliest market in the Middle East. Grade A office spaces in Dubai costs approximately $92.56 per square foot.

In comparison, similar space in London’s West End, which is the most expensive market in the world, is $259.36 per square foot. Hong Kong’s Central district, the second most expensive, has occupancy costs of $234.3 per square foot, while Beijing’s Finance Street and Central Business District came in at third and fourth place, respectively, with $197.5 and $189.67.

Dubai is the only city in the Middle East that finds a place among the Top 50 commercial spaces with the most expensive occupancy costs. By the look of things, office realty in Dubai appears to be keeping up with the upward trend in other types of property assets, as even residential, retail and hospitality projects have been recording higher yields and increased investor interest.

Other headlines in brief With investors gaining confidence in Dubai’s real estate market, Nakheel has sold land worth approximately Dh 162 million in its Al Furjan as well as Jumeirah Village Triangle communities.

The new Abu Dhabi Airport Business city, which currently has three main centres – the Logistics Park, Business Park and Business Centre – announced that it had signed a lease agreement with DHL for a 2,880 square meter in the Logistics Park.

The Dubai Land Department has introduced an online tool on its portal, which allows tenants to check whether they are liable to pay higher rents on renewal of their leases.

Statistics for 2014 from the World Bank has listed the UAE as the 5th easiest region in the world for getting business permits. The country has jumped 13 places and is ranked after Hong Kong, Georgia, Singapore and Bahrain.

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Latest from the economy

Dubai Stock Index Gains at 100 per cent in 2013 As of December 25th, 2013, Dubai’s main stock index had risen by 100 per cent year-on-year as real estate and bank stocks rose due to investors buying these stocks for positioning full-year earnings. The Dubai Index gained 1.3 per cent to close at its highest level since 2008. Among the stocks that recorded notable gains were the blue chip Emaar Properties (3 per cent), Deyaar Development (6.5 per cent) and Emirates NBD (1.5 per cent).

Abu Dhabi’s index also climbed 0.3 per cent to close at a new five-year high. Among the stocks in the emirate that recorded increases was Dana Gas (4.2 per cent) after it announced that it had received $53 million out of the $330 million owed by the Egyptian Government and had received a further commitment that a plan would be worked out for repaying the balance debt.

6

New Mortgage Rules to be Implemented by UAE Banks UAE Central Bank’s new mortgage regulations will come into play from December 28th. After this date, pre-approval letters that banks have issued to customers will no longer have validity. Usually,

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

pre-approval letters for final mortgages were valid for between 45 and 60 days, depending on the bank policies, and customers were required to register their transaction with the Dubai Land Department within that time. However, from December 28th onwards, these pre-approvals would be canceled.

As per the new mortgage regulations of the UAE Central Bank, banks can issue loans of up to 80 per cent of the property value to UAE nationals, while for expatriates the limit was set at 75 per cent. For Emiratis seeking loans for purchasing a second or investment property, the maximum loan eligibility limit is set at 65 per cent of the property value. In the case of second home purchases by expats, a maximum of 60 percent of the property value could be provided as loans. For off-plan projects, the maximum LTV of the mortgage is set at 50 per cent of the property value, irrespective of the purpose of purchase or the type of purchaser.

The new regulations are aimed at standardizing mortgage procedures across banks, after there were reports of some banks providing up to 85 per cent of the property value for home finance. As per a statement from the Chairman of the UAE

Banks Federation, penalties would be imposed on banks as well as their employees, if they do not adhere to the provisions of the new mortgage rules.

Abu Dhabi Headquartered Etihad Airlines Invests in Foreign Carriers Over the past ten years, Etihad Airlines has bought stakes in seven foreign airlines from across the worlds, including Australia and Ireland. The aim is to boost traffic and lower operating costs on its own network, without purchasing the hundreds of airplanes that would be required to expand its network globally.

In the past, several European airlines, including British Airways and SAS had tried a similar expansion strategy only to exit it later as it turned out to be unsuccessful. It was just last year that Singapore Airlines, after a 14-year partnership, disinvested at a loss of 49 per cent stake that it had acquired in Virgin Atlantic.

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

However, Etihad Chief Executive James Hogan, said that Etihad’s approach would be different as they were investing in airlines with strong management, which would operate their own business model, and pass on the top-line and bottom-line benefits to Etihad.

Currently, Etihad is looking at whether or not to invest in Alitalia SpA, Italy’s troubled national carrier. Other recent investments include a 24 per cent stake in Jet Airways (India), one of India’s biggest airlines, in 2011, 29.2 per cent in Air Berlin, Germany’s second largest airline, 33.3 per cent in Darwin Airline, a Swiss regional carrier that will be re-branded as Etihad Regional, and 3 per cent in Ireland’s national airline, Aer Lingus Group PLC. In addition, it has investments in Air Seychelles and Air Serbia, which according to company officials, were initiated by the government of Abu Dhabi.

2013 Has Been a Good Year for UAE Tourism The tourism sector in the UAE recorded a number

8

of significant achievements in 2013, among which was becoming a major destination for leisure and MICE tourism, besides ‘Visiting Friends and Relatives’ (VFR) tourism. During the first nine months of the year, the number of visitors to Dubai grew by 9.8 per cent, in comparison to the same period in 2012, with a total of 7.9 million visitors recorded.

2013 also saw a number of new hotels opening in Dubai, including JW Marriott Marquis, Conrad, Novotel Al Barsha and the Oberoi. According to the Department of Tourism and Commerce Marketing (DTCM) an additional 35 hotels are expected to be added by 2015.

Neighbor Abu Dhabi is also increasing its leisure and entertainment options for visitors. Besides the Yas Water world, which opened in 2012, the Louvre Abu Dhabi is expected to open in Saadiyat Cultural District in 2015 and the Zayed National Museum in 2016. In addition, Sharjah is becoming popular as a religious and cultural hub, while Fujairah and Ras Al Khaimah are reinventing themselves as destinations for culture and heritage.

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

Dubai Freehold Property Jumeirah Park

Jumeirah Park is a villa project by Nakheel properties. With its prestigious location in the heart of the city with easy access to some of the major residential, retail and business hubs such as Sheikh Zayed Road, Jebel Ali, Mall of the Emirates, Dubai Marina and JLT, the US$1.5 million project is one of Dubai’s most awaited developments.

The residential community has clusters of around 2,000 villas spread over 370 hectares. Each cluster is surrounded by greenery and amenities, which makes it perfect for family living.

The Villas The villas are built around three unique themes – Heritage, Legacy and Regional.

The development comprises a mix of three

come with a garage and a large back yard, which enhance the concept of family living.

Heritage villas are elegant with distinct features that include ornamental elements, geometric patterns and French doors. The cluster uses natural colors on the paved area that are complemented by traditional elements on the vertical surfaces of the villas. The neutral colors of these homes are in striking contrast to the bright tones of the artful landscaping of the surrounding green spaces, which is enhanced by the colored mosaics used in the water features.

All Heritage villas are spacious with three bedrooms, and each home is spread over a total area of 3,997 square feet.

that include car parks and terraces. All homes Jumeirah Park, Dubai, United Arab Emirates

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

the paved terraces and swimming pools.

These villas have ornamental windows paired with traditional terracotta tiled roofs that give a classic feel to the exteriors. They are painted in natural colors enhanced by terracotta decorative tiles used in the paving and wall coverings. Glass mosaic tiles with a terracotta keep to the theme and add a unique look to these villas. bedroom option and are between 4,851 and 5,479 square feet in total area.

The Regional villas have some features that are similar to those of Heritage villas. These include the ornamental detailing, decorative windows and classic French doors. However, stylistically, their theme enhances the rich heritage of the Arabic culture. Like the other clusters, these villas too have glazed tiles and geometric patterns on the horizontal surfaces and paved areas, which blend perfectly with the professionally landscaped greenery around

options with their total areas ranging between 5,071 and 5,449 square feet.

Facilities & Amenities Besides a number of retail stores that cater to the needs of the residents in the community, the other features that enhance luxury living in the development include a specially designed jogging and cycling track that winds through the gardens. In addition, there are sports courts; children’s play areas, child day care center, youth center, nursery, club house, gym, sauna, swimming pool and a mosque.

While the Community center has a departmental store as well as a convenience store, its proximity to the best of Dubai’s shopping, entertainment and dining outlets in Ibn Battuta Mall, Dubai Pearl Mall and Dubai Marina Mall is an added convenience. Besides this, residents have easy access to good schools located nearby, including the Dubai British School, Delhi Public School, Emirates International Jumeirah Park, Dubai, United Arab Emirates

10

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

School, Regent International School and The Winchester School.

Three bedroom units account for around 65 per cent of villas in the community,

Jumeirah Park is also within easy reach of health care institutions and renowned hospitals such as the Jebel Ali Hospital, Life Medical Center and Welcare Ambulatory Clinic.

represent around 23 per cent and 12 per cent, respectively.

Sales Prices & Rentals Sale prices and rentals of villas in the community differ based on the cluster, theme, location and size.

The average rental price in Jumeirah Park is Dh 222,778. This ranges from Dh 170,000 for bedroom one. The average rental price per square foot is Dh 61.

Among the villas available for rent, three bedroom homes account for approximately 85 per cent of the total units, while four bedroom

The average sale price of villas in the community is Dh 5,098,951 with the lowest price for a three bedroom villa being around Dh 3,550,000 and

per cent (7.5 per cent each).

villa being approximately Dh 8,200,000.

Average Sales Property Price Villa

Average Rent Property Price

Apartment

5,098,951 AED

Price per sq-Ft

Villa 222,778 AED

0 AED

Price Total

1,341 AED

Apartment

Price per sq-Ft

5,098,951 AED

Sales Property Price Range

0 AED

Price Total

61 AED

222,778 AED

Sales Property Price Range

3,550,000 - 8,200,000 AED

170,000 - 349,900 AED

% Property by number of bedrooms

% Property by number of bedrooms Studio

Studio

1 Bed

1 Bed

2 Beds

2 Beds

3 Beds

3 Beds

4 Beds

4 Beds

5 Beds

5 Beds

6 Beds

6 Beds

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

International Real Estate News

Investors and Cash Buyers Contributing to US Housing Market Recovery The housing market in the United States shows continuing signs of recovery with around 5,146,565 homes, including single family homes, town houses and condominiums, sold annually as of November 2013 as per the latest information from RealtyTrac, a housing data firm. While it is a mere 1 per cent increase from October 2013, the overall increase was 10 per cent compared to November 2012.

In 18 states, annualized sales volumes had decreased compared to the previous month, while in 4 states the volumes had declined compared to year ago figures. Among the states that saw declines were California (14 per cent), Arizona (12 per cent), Nevada (9 per cent) and Rhode Island (4 per cent). 14 of the country’s biggest metros witnessed a decline in annualized sales volumes compared to a year ago. This included 7 metros in California, 2 in Arizona and 2 in New York, besides Connecticut, Las Vegas, New Haven, Oregon and Portland.

However, the national median sales price of residential properties (both distressed and nondistressed) stood at $169,000 in November, which was 1 per cent higher than October and up by 7 per cent compared to November 2012.

12

Median home prices have been on the rise for 19 consecutive months.

Investors and cash buyers were the main contributors to the housing market recovery trend.

Banks and lenders are using the opportunity to off load some of their owned or in-foreclosure inventory through foreclosure auctions, but with the backlog of such distressed inventory drying up, overall sales volume is slowing down and is expected to continue to do so until more nondistressed sellers put their properties up for sale.

New York, United States

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

Sales and Prices of Residential Property in Hong Kong Expected to Fall in 2014 With the continued cooling measures being implemented by the government, sales volumes and prices in the residential property market in Hong Kong are expected to drop in 2014. In comparison, Mainland China requires long term measures to be put in place to cool down the market.

current 10 per cent, but will continue to be lower than last year’s peak level of 20 to 30 per cent.

Scotland: Prime Property Prices on the Rise In Q4 of 2013, prime property prices in Scotland increased by 0.3 per cent, recording a growth for the second consecutive quarter. As per Knight Frank data, the mean prices of Scotland’s best properties rose by 1.6 per cent in the second half of the year. While overall prices were 24 per cent lower than peak prices, homes less than £1 million also performed better with an increase of 1.8 per cent.

However, price performance was mixed throughout Scotland in the final quarter, with six out of the seven main regions recording increases or remaining unchanged. The Central region saw the largest rise of 1.3 per cent.

In Hong Kong, residential property sales are expected to decline to around 45,000 – 50,000 units next year in comparison to 53,000 this year and over 80,000 in 2012. According to Knight Frank, mean sales might fall to levels lower than the record low of 2003 following the SARS virus scare. Primary sales will dominate the market due to beneficiary packages being offered to offset the slowdown due to the cooling measures. Secondary sales will remain suppressed with primary values almost equal to or in some cases lower than secondary prices, which results in the lowering of prices for second hand units in the locality.

While the majority of buyers will be end users, investors will also return to the market in 2014.

The proportion of Chinese buyers is expected to increase to 10 per cent from the present 5 per cent, which will be much lower than last year’s high of 35 per cent. The proportion of corporate buyers is also expected to increase to 15 per cent from the

Market analysis indicates that over the past three months, a more positive trend is emerging, with the number of agreed sales during Q4 being 10 per cent higher than the same period in 2012. In addition, the number of individuals registering interest to purchase a prime Scottish property as well of the number of viewings increased by around 50 per cent compared to the same period last year.

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Lifestyle

Stockinger Launches New Line of Bentley Safes Until now, the word ‘safe’ brought to mind a plain metal box that kept your most precious personal items and family heirlooms secure. While many people prefer to trust bank vaults for storing their valuables, for those who are looking for a similar solution at home, the new Bentley line released by Stockinger is an item of luxury, which combines elegant design with top-of-line security.

Stockinger safes come with a patented locking system, which combines ease of use to provide owners a safe and secure solution. The safes have a bolt mechanism locking system, besides additional features that enhance its security such as four pin-based locks as well as an emergency bolt that gets engaged if an attempt is made to force it open.

Earlier, home safes were made of concrete, which made them extremely heavy. This new line is made from hard polymers, following a multi-wall construction technique that makes them lighter, while not compromising on security. The Bentley safe boxes are almost impenetrable and are among a select few products in the world to have received VDS IV security rating.

Like every Bentley product, the safe comes with the trademark ‘B’ emblazoned on its finely polished brass handle. The slim-line design of 14

the safes can also be customized with additional elements such as an exterior color that the customer prefers to the color of the suede lining within and even an engraved nameplate inside the door. The exact price of the luxury safe differs according to the various customized features, but cost approximately in the range of $170,000 per piece.

Minimalistic Bathtubs from Unique Wood design There’s no denying the fact that wood makes living spaces more beautiful, with its variety of textures and colors that lend a comfortable yet sophisticated air. Now, Unique Wood Design, a family company that started way back in 1979 to build boats and yachts, is using their expertise to foray into bathtubs and sinks that bring the warmth of wood to home interiors. Using their technical expertise in boat and yacht building, the tubs have excellent thermal insulation and are also well sealed against water, irrespective of how long a person soaks in them.

The company has two collections named Classic and Tion. While tubs in the Classic range have contemporary and minimalistic design features that make them resemble pods rather than traditional bath tubs, the Tion line is Japaneseinspired and features box-like designs.

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

developed a method for cultivating pearls that matched the finest natural pearls in terms of beauty. The son of a noodle-shop owner, he struggled for over five years before succeeding in 1893 and setting up a namesake company that went on to become one of the leading Japanese luxury brands around the globe.

The tubs come in varied shapes and designs such as the Munai (circular) and Baula (oval) from the classic collection and the Puari C from the Tion range, which has three different sizes that allow reclining, as well as the box-like Gaia that comes in small and large sizes. In addition, the tubs come in a choice of woods such as merbau, maple, paduok and walnut.

These exquisite tubs, which are made using a blend of advanced software, high tech design solutions and handcrafting using age-old chiseling and sandpapering techniques, are made in the company’s workshops in Poland. However, they can be shipped around the world. Unique Wood Design also undertakes custom designs of their bath tubs to suit almost every type of layout, including tricky or complicated ones.

In celebration of its 120-year history, the company has launched a special Four Seasons collection that features nine unique pieces of jewelry inspired by beauty of each season of the year. The winter-themed collection has white South Sea pearls set in white gold along with icy-colored gemstones such as diamonds, sapphire and Paraiba tourmalines. The spring suite has white South Sea pearls with floral toned pink and purple sapphires, diamonds, amethysts and Paraiba tourmalines. The summer collection has sunshineinspired pink, yellow, orange and blue sapphires along with South Sea white pearls, while golden South Sea pearls set along with garnets while yellow and orange sapphires evoke the autumn colors.

The collection, which features earrings, pendant necklaces and rings, is a tribute to the company’s founder and encapsulates his mastery of the culture-pearl technique as well as the artistry and craftsmanship that are associated with the brand.

Mikimoto Marks 120 Years with an Exquisite Four Seasons Collection Mikimoto, which is renowned for its cultured pearls, has a rich history starting from 1893, when the founder Kokichi Mikimoto, who held a fascination for natural pearls, successfully www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

International Property Markets India India’s real estate sector has been witnessing a rapid growth over the past few years across the residential, office and retail segments. With the relatively easy availability of bank loans, higher incomes and improved standard of living, property growth, which was once restricted to the larger metropolises, can now be seen even in smaller cities and towns. Revenues from the Indian real estate sector are projected to touch US $180 billion by 2020, a compounded annual growth rate of 11.6 percent from US $66.8 billion in 2010 - 11.

However, over the past two quarters, owing to the subdued economic conditions, the growth has been slowing down. As per an update from Knight Frank, housing prices in India have dropped by 1.7 per cent in Q2 ending June 2013. With the Reserve Bank of India raising interest rates in its attempt to curb inflation, and the slump in the Indian rupee due to the large trade deficit, buyers are postponing investment decisions until the market stabilizes. As per figures from Cushman & Wakefield Research, investments in land development, office and residential properties declined in the first half of 2013 compared to the same period in 2012.

While a few new projects have been announced over the last two quarters, with the slowdown in property sales, the increase in unsold inventory has caused sellers to provide additional incentives, including easy payment options.

From the rental perspective, India’s pro-tenant laws bring with it the risk of overstaying, and while 16

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

this can be managed through contracts that are enforceable in court, with the delays in the legal system, the process usually drags on for several years. Since the tenant-friendly Rent Control Laws are only applicable to Lease Agreements for 12 months or more, most landlords prefer a Lease and License Agreement, which grants tenants the right to lease only for a period of 11 months, with the option to renew periodically.

Foreign Nationals are permitted to purchase property in India only if they meet the residency requirements of having stayed in the country for at least 183 days in a year. This automatically disallows persons on a tourist visa or even Non Resident Indians or Persons of India Origin, who are non-residents, from purchasing property in the country. Round trip transaction costs for property range from a low of 8.75 per cent to a high of 18 per cent depending on the location and the type of property.

Residential Market As per a Q3 update from Citibank, the residential markets across most cities in India showed signs of stability in both capital values as well as rental prices. In some cities, rental values saw corrections in the mid and high price segments. In terms of capital values, certain cities saw a decline while Bengaluru showed a 3-6 per cent appreciation in the mid segment in some of its micro markets.

In the central areas of the city, capital values appreciated as much as 12 per cent in the midrange segment.

The number of new properties entering the market slowed down. In Q3 of 2013, only 43,825 units were launched across the top eight Indian cities – a decline of 15 per cent quarter-on-quarter compared to Q2. Ahmedabad, Chennai, Bangalore, Mumbai and Delhi witnessed a rise in new residential launches, while Hyderabad accounted

Mumbai, India

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

2-3 quarters, but are subsequently expected to rise once again to keep pace with the projected increase in economic growth and GDP rates, following the general elections that are scheduled to take place next year.

Office Market

India

for the sharpest decline (55 per cent) due to the uncertainty of its location brought about by sociopolitical changes. Launches in Pune and Kolkata also declined moderately.

Residential capital values are expected to continue to see a downward trend over the next

As businesses continue to follow a conservative approach towards property investments, the overall demand for commercial real estate declined. Commercial lease uptakes decreased by 20 per cent in Q3 in the six major Indian cities – Delhi, Mumbai, Chennai, Kolkata, Bangalore and Pune – with a total absorption of just 6.2 million square feet as compared to 8 million square feet in the previous quarter. Of the office space added to the stock, around 60 per cent of the new supply was in Bangalore, Delhi and Noida. In addition, the majority of the new uptakes resulted from companies either consolidating their operations or moving to cheaper locations.

With low business and investor confidence causing companies to defer making investment decisions, developers are also refraining from speculative investments and are instead opting to focus on the residential segment. Over the past three quarters, development of office space

STATS ON THE GO (FIGURES IN USD MILLION) Sector

HI 2012

HI 2013

Y-O-Y Change

Development Land

945.5

612.7

-35.28

Office

421.4

193.4

-54.1

Hospitality

78.2

-

N/A

Residential

306.9

152.2

-50.4

Others

20.2

-

N/A

18

Source: Real Capital Analytics, Cushman & Wakefield Research

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

has been progressively declining from 5.8 million square feet in Q1 to 4 million square feet in Q2 and further down to 3.1 million square feet in Q3. Over 60 per cent of this new supply was added in Noida and Bangalore.

Rental values remained relatively stable across the cities, barring a few micro markets in Kolkata and Gurgaon, which saw quarter-on-quarter declines ranging between 1 per cent and 7 per cent.

Although the demand for new commercial space declined, rental values have remained stable due to a slowdown in the rate at which new space is being added. This scenario is likely to continue in 2014, due to the uncertainty arising from the global economic conditions and the upcoming general elections, which means companies will put their expansion plans on hold and instead resort to consolidation.

According to research by Jones Lang LaSalle, in terms of Office Rental Values and Office Capital Values, cities in India still lag way behind their counterparts in the Asia-Pacific region.

Kerala, India

Retail Property Market In the retail sector too, rental values remained flat or recorded minimal growth, due to reduced demand from retailers. Foreign retailers have been putting off their expansion plans in the country due to the uncertainty and lack of clarity in policies related to Foreign Direct Investment (FDI).

Although the government has relaxed the rules regarding FDI in the retail sector for multi-brand outlets in a bid to woo global chains such as WalMart and Carrefour, there were initially some restrictive clauses pertaining to control of jointventures. Due to the lackluster response from foreign multi-brand retailers, the norms have been further relaxed, and industry consultants are optimistic about FDI picking up in 2014. However, with the general elections around the corner, which might see changes made to the policies by the next political party that comes into power, retailers are following a wait-and-watch approach.

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Asia Pacific Office Rental Values, 2013 Hong Kong (Centeral) Beijing (CBD) Shanghai (CBD Overall) Tokyo (CBD 5-kus) Singapore (Rafles Place) Mumbai (SBD BKC) Preth (CBD) Seol (CBD) Taipei ( Xny) Ho Chi Minh City (CBD) Guangzhou (Overall) Sydney (CBD Delhi (SBD) Brisbane (CBD) Osaka (CBD 2-kus) Hanoi (Overall Jakarta (CBD) Auckland (CBD) Melbourne (CBD) Adelaide (CBD) Canberra (CBD) Wellington (CBD) Manila (Makati CBD) Bangkok (CBD) Kuala Lumpur (City Centre) Banglore (SBD) Chennai (SBD) 0

200

400

600

800

1,000 1,200 1,400 1,600

Net Effective Rents (USD psm pa)

Source: Jones Lang LaSalle

Asia Pacific Office Capitals Values, 2013 Hong Kong (Centeral) Singapore (Rafles Place) Tokyo (CBD 5-kus) Beijing (CBD) Taipei (CBD) Shanghai (CBD Overall) Sydney (DBD) Seoul (CBD) Perth (CBD) Guangzhou (Overall) Melbourne (CBD) Brisbane (CBD) Osaka (CBD 2-kus) Mumbai (SBD BKC) Canberra (CBD) Delhi (CBD) Adelaide (CBD) Jakarta (CBD) Auckland(CBD) Bangkok(CBD) Wellington (CBD) Kuala Lumpure (City Centre) Manila (Makai CBD)a Banglore (SBD) Chennai (SBD) 0

10,000

20,000

30,000

40,000

50,000

Capital Values (USD psm)

20

60,000

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

Outlook While rentals and capital values seem to be slowing down in the Indian real estate sector across residential, commercial and retail properties, the country’s economic growth rate is expected to look up in the first half of 2014, following a good monsoon that will likely result in increased industrial production. However, with the country’s general elections scheduled to take place in May 2014, investors are still postponing their purchase decisions until the political environment is more stable.

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Real Estate Investing Lesson 11

Property Evaluation: Understanding Contracts After you’ve evaluated a property and decided on making an offer, the next step is to prepare a contract. Simple word-of-mouth discussions or promises are not sufficient. You need to put it in writing and submit the contract or purchase agreement to the seller or his agent. Only this will result in promises becoming legally enforceable in the event of either of the parties not keeping their word. In this month’s lesson, we take you through the various points to be looked at before preparing and submitting a contact or purchase agreement.

22

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

Types of Contracts Depending on the negotiations that take place between buyer and seller, contracts that are drawn up can be either unilateral or bilateral.

In this type of contract, the agreement is onesided, which means that only one of the parties agrees to fulfill a promise. An Option Agreement is a good example of a unilateral contract as it gives the buyer an unconditional purchase option for a specified period of time. Until the time of the agreement lapses, the seller cannot offer the property to any other interested buyer.

In a bilateral contract, each of the parties promises something to the other. For instance, a seller might promise to give the title of the property to the buyer in exchange for a cash payment or a written confirmation of a future schedule within which the full payment will be made.

a certain price within a specific period of time.

An offer is given in writing, and the seller has the option of showing the property to other interested parties while he considers the offer. However, normally, an offer lapses within a stipulated time period.

Just as a buyer makes his intent to purchase, known by making an offer in writing, once the terms are acceptable, the seller has to give a written acceptance to the buyer agreeing to the terms of the offer.

In many instances, the initial terms of the offer or conditional acceptance might not be suitable to either or both of the parties. In such cases, the initial offers become void, and counteroffers are made in writing until the final offer that is mutually binding and legally enforceable is arrived at.

What Elements Are Essential to a Contract?

In order for a contract to be legally binding and enforceable, it has to satisfy certain conditions.

While some of these elements may seem technical to a lay person, as a buyer, it’s in your best interests to be familiar with them so that you don’t lose out.

A contract can only be entered into by legally competent persons. For instance, a minor (person aged less than 18 in most countries), a convicted criminal or a person who is of unsound mind cannot enter into a contract. Any agreement entered into with such a person will not be enforceable as the contract is void.

Every real estate contract usually contains an offer, which is made by the buyer to the seller, whereby he offers to purchase the property for

Every property transaction involves an exchange wherein the buyer offers to make a payment of a certain amount of money for which the seller in return agrees to hand over the property to him. If there is no consideration involved, the contract is void.

Every property that is being transacted must have a unique identification that ensures there is no confusion or uncertainty pertaining to which property is being sold. www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

The purchase of the property should meet the legal requirements as defined by public policy and/ or should not be done for an illegal or immoral purpose. For instance, a buyer cannot purchase a property in a zone marked as a residential area if he plans to use it as an office to run his business or commercial establishment.

Every purchase agreement should be made in writing in order to avoid confusion that might arise as to what is included or not in the sale. For example, while purchasing a semi-furnished residential property, it’s useful to define the exact number of furniture or fittings that are included in the final sale price.

A contract becomes valid only once both parties agree to its terms and sign off on it. Once a contract is entered into, both parties are bound by law to adhere to its terms and failure to do so results in a breach of contract, which in most cases allows the aggrieved party to claim monetary damages from the other party.

The Purchase Agreement or Contract of Sale is an important legal document, and hence, it should contain all the necessary basic information that can help in making it enforceable. This could include everything from the names of the buyer and seller, the unique identification and description of the property, the terms of payment and payment schedule, proposed method of financing or any other conditions that need to be met before the transaction can be closed.

While there are many standardized forms available for contracts and purchase agreements, it’s not advisable to agree to use one that is recommended by your agent. If necessary, spend some time going over the various types of forms and either choose one that is most relevant to your transaction, or draw up a custom contract that suits your requirements.

24

Other Important Aspects Besides the standard provisions such as the sale price offered or payments terms, there are a few other features that help in protecting your interests.

It’s quite common for buyers to show their intention to purchase by making an earnest money deposit.

This amount is usually refundable if the sale does not go through. Of course, depositing a substantial amount will help in showing the seller that you are serious about buying. However, as a buyer, it’s also in your best interests to ensure that the money is returnable in the event of the deal not materializing. Unless the contract includes a clause whereby you do not forfeit the entire amount for failure to make subsequent payments or for not closing the deal due to a delay in taking out a mortgage, the money might be transferred to the seller as liquidated damages.

Quite often conditions, financial or otherwise, change from the time that the agreement is entered into until the final closing.

It’s in the buyer’s best interests to include an exit clause, which allows him to get out of an uncertain situation or exit the deal if he finds a better property in the meantime, without forfeiture of the amount held in escrow.

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

While sellers are eager to have a short closing date as they want to complete the transaction as soon as possible, this may not necessarily be in the best interest of the buyer. It’s important to negotiate and work out a reasonable closing date, which can be included in the contract, so that as a buyer, you have sufficient time to complete due diligence and other formalities before closing the deal.

There are several factors that play a role in completing a transaction on time. This could include property inspections, due diligence and even arranging for a mortgage.

Often, a sale gets delayed due to one of these elements not being completed on time. Hence,

for a buyer, it’s important to have a contingency clause that facilitates renegotiation for extending the closing date or receiving refund of the deposit in the event of the deal not going through within the expected time.

Once the clauses of the purchase agreement have been gone through in sufficient detail, it’s best for either the buyer or his authorized agent to meet the seller or his agent in person to present the contract. This facilitates further negotiation if required, which can be completed quickly and put in writing, so that the contract becomes binding.

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Properties of the month The Views

Tanaro 2 bed apartment

1,364 sq. ft.

AED 2,400,000

AP1280

Down Town

Burj Views A 2 bed apartment

7,500 sq. ft.

AED 15,000,000

6,098 sq. ft.

AED 5,100,000

1 bed apartment

683 sq. ft.

Down Town AED 3,700,000

AP1215

E

E

The Address Dubai Mall Hotel

Al Barsha

Al Barsha 2 4 bed apartment

8,124 sq. ft.

AED 14,000,000

VI1088

Mia 055 2275515

4 bed apartment

VI1325

LE

26

Emirates Living

Meadows 9

SA

LE

SA For above listed properties contact

LE

6 bed apartment

VI1083

SA

LE

SA The Lakes

Hattan 2

AP1074

L SA

AED 2,600,000

L SA

1,249 sq. ft.

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

Properties of the month Hub Canal 2 1 bed apartment

Dubai Sport City 1,033 sq. ft.

AED 850,000

AP1268

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 AED 10,500,000

RL1136

E

E

Jumeirah Islands Community

The Address Dubai Mall Hotel 1 bed apartment

Down Town AED 3,400,000

6,000 sq. ft.

AED 4,000,000

LE

LE The Palm Jumeirah

Qourtaj

2 bed apartment

AED 3,900,000

3 bed apartment

AP1120

AP1111

SA

780 sq. ft.

SA

Balqis Residence 2,022 sq. ft.

AP1230

Al Furjan VI1078

LE

SA

LE

SA For above listed properties contact

Mehdi 055 5075040

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Properties of the month Dubai Marina

Princess Tower 1 bed apartment

972 sq. ft.

AED 1,450,000

AP1327

Dubai Marina

Ocean Heights 3 bed apartment

1,995 sq. ft.

AED 4,200,000

L SA

L SA

2 bed apartment

2,690 sq. ft.

Jumeirah Village AED 3,100,000

VI1301

E

E

Jumeirah Village Circle

Jumeirah

Jumeirah Park 4 bed apartment

4,335 sq. ft.

AED 6,600,000

2,900 sq. ft.

AED 2,581,000

VI1320

Alex 055 5075020

3 bed apartment

3,464 sq. ft.

The Greens AED 4,250,000

VI1319

LE

28

Golf Tower Canal Villas T2

SA

LE

SA For above listed properties contact

LE

4 bed apartment

VI1321

SA

LE

SA Dubailand

Living Legends

AP1300

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

Properties of the month Building 27 – Block A 3,640 sq. ft.

Dubai Health Care City AED 8,200,000

Silicon Gate 1 – Wing A

OF1165

441 sq. ft.

Dubai Silicon Oasis AED 450,000

L SA

L SA

2 bed apartment

1,856 sq. ft.

AED 115,000

VI1324

E

E Emirates Living

Springs 11

The Greens

Al Ghozlan 1 1 bed apartment

AED 95,000

1,389 sq. ft.

AED 135,000

790 sq. ft.

Down Town AED 180,000

AP1168

NT

NT

1 bed apartment

AP1323

RE

764 sq. ft.

RE

The Address Lake Hotel

AP1164

Dubai Marina

Sulafa Tower 1 2 bed apartment

AP1328

NT RE

NT RE For more properties visit www.valoran.ae

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

Properties of the month Jumeirah Park

Legacy 4 bed apartment

4,335 sq. ft.

AED 7,000,000

VI1146

Executive Tower B 1 bed apartment

1,356 sq. ft.

Business Bay AED 1,950,000

L SA

L SA

1 bed apartment

800 sq. ft.

AED 130,000

AP1298

E

E The Palm Jumeirah

Al Msalli

JLT

Bonnington Hotel 1 bed apartment

AED 110,000

1,545 sq. ft.

AED 190,000

1,142 sq. ft.

AED 170,000

AP1297

30

Dubai Marina

Al Mass Tower 2 bed apartment

AP1278

NT RE

NT RE For more properties visit www.valoran.ae

NT

NT

2 bed apartment

AP1331

RE

683 sq. ft.

RE Down Town

Standpoint A

AP1302

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

TWO TOWERS SPECIAL OFFER t t t t t t

t t t t t t t

Unique and modern spacious 1B/R and 2B/R apartments available in Two Towers - Tecom, graced with contemporary European fittings, perfectly suited to accommodate premium lifestyle in Dubai.

Two Towers provide its residents easy access to business hubs such as Dubai Media City and Knowledge Village as well as areas such as Palm Jumeirah and Dubai Marina, Mall of the Emirates and Ibn Battuta mall. You’ll find you’re never too far from work, play, or rest and direct access to Al Khail Road and Sheikh Zayed Road make it easy to reach places farther afield.

5XP SFTJEFOUJBM UPXFST XJUI B TIBSFE DPVSUZBSE (ZNOBTJVN 4XJNNJOH 1PPM XJUI PVUEPPS terrace area and landscaped sun deck 5ISFF MFWFM TFDVSF CBTFNFOU QBSLJOH XJUI single point access 7FIJDMF ESPQ Pò QPJOU BU CVJMEJOH FOUSBODF lobby 3PVOE UIF DMPDL BEWBODFE TFDVSJUZ TZTUFN 1SPYJNJUZ UP .FUSP 4UBUJPO BOE XPSME DMBTT Shopping Malls

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

Prices start from AED 1,380,868 for 1 B/R and AED 1,788,574 for 2 B/R apartments with financing option for 10 years.

(AED)

Tecom -Barsha

Tecom - Barsha

Two Towers

Two Towers

1,380,868

1,788,574

1

2

1,318

1,745

AP1338

AP1339

04 33 22248

04 33 22248

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

T W O

T O W E R S

O NE B EDRO OM F L O O R P L A N

LAUNDRY

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

EN TR AN CE

GU EST BE DROOM

EN S. 1

2

TYPICAL FLOORS: 3RD TO 21ST

1

3

6

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

32

5

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

T W O

T O W E R S

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

KITC H EN L IVING/DI NING ROO M

ENT RANC E

G UE ST

LAUNDRY

BEDRO OM II

E NS. II

BEDRO OM

ENS. I

2

1

3

6

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

5

www.valoran.ae

Valoran Real Estate Brokers Your Lifestyle Broker

34

Valoran Real Estate Brokers Issue No. 13 - Jan. 2014

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

www.valoran.ae

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺑﻨﺪ اﻟﻄﻮارئ‪ :‬ﻫﻨﺎك اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻌﻮاﻣﻞ اﻟﺘﻲ ﺗﻠﻌﺐ دورا ً ﰲ إمتﺎم‬ ‫اﻟﺼﻔﻘﺔ ﰲ اﻟﻮﻗﺖ اﳌﺤﺪد‪ .‬ﻫﺬا وميﻜﻦ أن ﺗﺸﻤﻞ ﻋﻤﻠﻴﺎت ﻣﻌﺎﻳﻨﺔ‬ ‫اﻟﻌﻘﺎر‪ ،‬اﻟﻌﻨﺎﻳﺔ اﻟﻮاﺟﺒﺔ‪ ،‬وﺣﺘﻰ اﻹﻋﺪاد ﻟﻠﺮﻫﻦ اﻟﻌﻘﺎري‪ .‬ﰲ ﻛﺜري ﻣﻦ‬ ‫اﻷﺣﻴﺎن‪ ،‬ﻳﺘﻢ ﺗﺄﺟﻴﻞ اﻟﺒﻴﻊ ﻧﻈﺮا ً ﻟﻌﺪم اﻹﻧﺘﻬﺎء ﻣﻦ أﺣﺪ ﻫﺬه اﻟﻌﻨﺎﴏ‬ ‫ﰲ اﻟﻮﻗﺖ اﳌﺤﺪد‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻤﺸﱰي‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﳌﻬﻢ أن ﻳﻜﻮن‬ ‫ﻫﻨﺎك ﺑﻨﺪ ﻟﻠﻄﻮارئ اﻟﺘﻲ ﺗﺴﻬﻞ إﻋﺎدة اﻟﺘﻔﺎوض ﻟﺘﻤﺪﻳﺪ اﳌﻮﻋﺪ اﻟﻨﻬﺎيئ‬ ‫أو ﺗﻠﻘﻲ اﳌﺒﻠﻎ اﳌﻮدع ﰲ ﺣﺎﻟﺔ ﻋﺪم إمتﺎم اﳌﻌﺎﻣﻠﺔ ﰲ اﻟﻮﻗﺖ اﳌﺘﻮﻗﻊ‪.‬‬ ‫مبﺠﺮد وﺿﻊ ﺑﻨﻮد اﺗﻔﺎق اﻟﴩاء ﺑﺎﻟﺘﻔﺼﻴﻞ اﻟﻜﺎﰲ‪ ،‬ﻣﻦ اﻷﻓﻀﻞ ﻟﻠﻤﺸﱰي‬ ‫أو وﻛﻴﻠﻪ ﻣﻘﺎﺑﻠﺔ اﻟﺒﺎﺋﻊ أو وﻛﻴﻠﻪ ﺷﺨﺼﻴﺎً ﻟﺘﻘﺪﻳﻢ اﻟﻌﻘﺪ‪ .‬ﻫﺬا ﻳﺴﻬﻞ‬ ‫ﻣﺰﻳﺪ ﻣﻦ اﻟﺘﻔﺎوض إذا ﻟﺰم اﻷﻣﺮ‪ ،‬واﻟﺬي ميﻜﻦ اﻹﻧﺘﻬﺎء ﻣﻨﻪ ﴎﻳﻌﺎً‬ ‫ووﺿﻌﻪ ﰲ ﺻﻴﻐﺔ ﻛﺘﺎﺑﻴﺔ‪ ،‬ﺑﺤﻴﺚ ﻳﺼﺒﺢ اﻟﻌﻘﺪ ﻣﻠﺰﻣﺎً‪.‬‬

‫‪25‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫ﻋﻘﺪ ﻣﻜﺘﻮب‪ :‬ﻳﻨﺒﻐﻲ وﺿﻊ ﻛﺎﻓﺔ إﺗﻔﺎﻗﺎت اﻟﴩاء ﰲ ﺻﻴﻐﺔ ﻛﺘﺎﺑﻴﺔ ﻣﻦ‬ ‫أﺟﻞ ﺗﺠﻨﺐ اﻻرﺗﺒﺎك اﻟﺬي ﻗﺪ ﺗﻨﺸﺄ ﻧﺘﻴﺠﺔ ﳌﺎ ﺗﻢ ﺗﻀﻤﻴﻨﻪ أم ﻻ ﰲ‬ ‫ﻋﻤﻠﻴﺔ اﻟﺒﻴﻊ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﻋﻨﺪ ﴍاء اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﺷﺒﻪ‬ ‫اﳌﻔﺮوﺷﺔ‪ ،‬ﻳﺠﺐ ﺗﺤﺪﻳﺪ اﻟﻌﺪد اﻟﺪﻗﻴﻖ ﻟﻘﻄﻊ اﻷﺛﺎث أو اﻟﺘﺠﻬﻴﺰات‬ ‫اﻟﺘﻲ ﺗﻢ ﺗﻀﻤﻴﻨﻬﺎ ﰲ ﺳﻌﺮ اﻟﺒﻴﻊ اﻟﻨﻬﺎيئ‪.‬‬ ‫ﻳﻜﻮن اﻟﻌﻘﺪ ﺻﺤﻴﺤﺎ ﻓﻘﻂ ﻋﻨﺪﻣﺎ ﻳﺘﻔﻖ اﻟﻄﺮﻓﺎن ﻋﲆ ﴍوﻃﻪ و‬ ‫ﻳﻮﻗﻌﺎن ﻋﲆ ذﻟﻚ‪ .‬مبﺠﺮد إﺑﺮام اﻟﻌﻘﺪ‪ ،‬ﻳﻜﻮن ﻛﻼ اﻟﻄﺮﻓني ﻣﻠﺰم ﻗﺎﻧﻮﻧﺎً‬ ‫ﺑﺎﻻﻟﺘﺰام ﺑﴩوﻃﻪ و ﻋﺪم اﻟﻘﻴﺎم ﺑﺬﻟﻚ ﻳﺆدي إﱃ اﻹﺧﻼل ﺑﺎﻟﻌﻘﺪ‪ ،‬وﰲ‬ ‫ﻣﻌﻈﻢ ﻫﺬه اﻟﺤﺎﻻت ﻳﺴﻤﺢ ﻟﻠﻄﺮف اﳌﺘﴬر أن ﻳﻄﺎﻟﺐ ﺑﺘﻌﻮﻳﻀﺎت‬ ‫ﻣﺎﻟﻴﺔ ﻣﻦ اﻟﻄﺮف اﻵﺧﺮ‪.‬‬ ‫اﺗﻔﺎﻗﻴﺔ اﻟﴩاء أو ﻋﻘﺪ اﻟﺒﻴﻊ ﻫﻮ وﺛﻴﻘﺔ ﻗﺎﻧﻮﻧﻴﺔ ﻫﺎﻣﺔ‪ ،‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻳﺠﺐ‬ ‫أن ﺗﺤﺘﻮي ﻋﲆ ﻛﻞ ﻣﺎ ﻳﻠﺰم ﻣﻦ اﳌﻌﻠﻮﻣﺎت اﻷﺳﺎﺳﻴﺔ اﻟﺘﻲ ميﻜﻦ أن‬ ‫ﺗﺴﺎﻋﺪ ﰲ ﺟﻌﻠﻬﺎ ﻗﺎﺑﻠﺔ ﻟﻠﺘﻨﻔﻴﺬ‪ .‬وﻳﺸﻤﻞ ﻫﺬا ﻛﻞ ﳾء ﻣﻦ أﺳامء‬ ‫اﳌﺸﱰي واﻟﺒﺎﺋﻊ‪ ،‬وﺻﻒ وﺗﺤﺪﻳﺪ اﻟﻌﻘﺎر ﺑﺪﻗﺔ‪ ،‬ﴍوط اﻟﺪﻓﻊ و اﻟﺠﺪول‬ ‫اﻟﺰﻣﻨﻲ ﻟﻠﺪﻓﻊ‪ ،‬اﻟﻄﺮﻳﻘﺔ اﳌﻘﱰﺣﺔ ﻟﻠﺘﻤﻮﻳﻞ أو أي ﴍوط أﺧﺮى ﺗﺤﺘﺎج‬ ‫إﱃ أن ﺗﺘﺤﻘﻖ ﻗﺒﻞ إﻧﺘﻬﺎء اﻟﺼﻔﻘﺔ‪.‬‬ ‫ﰲ ﺣني أن ﻫﻨﺎك اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺼﻴﻎ اﳌﻮﺣﺪة اﳌﺘﺎﺣﺔ ﻟﻠﻌﻘﻮد واﺗﻔﺎﻗﻴﺎت‬

‫اﻟﴩاء‪ ،‬ﻓﺈﻧﻪ ﻟﻴﺲ ﻣﻦ اﳌﺴﺘﺤﺴﻦ أن ﺗﻮاﻓﻖ ﻋﲆ اﺳﺘﺨﺪام ﻋﻘﺪ ﻳﻮﴆ‬ ‫ﺑﻪ وﻛﻴﻠﻚ‪ .‬إذا ﻟﺰم اﻷﻣﺮ‪ ،‬إﻟﻘﻲ ﻧﻈﺮة ﻋﲆ أﻧﻮاع ﻣﺨﺘﻠﻔﺔ ﻣﻦ اﻟﺼﻴﻎ وإﻣﺎ‬ ‫أن ﺗﻘﻮم ﺑﺎﺧﺘﻴﺎر أﻧﺴﺒﻬﺎ ﳌﻌﺎﻣﻠﺘﻚ‪ ،‬او وﺿﻊ ﻋﻘﺪ ﻣﺨﺼﺺ ﻳﻨﺎﺳﺐ‬ ‫إﺣﺘﻴﺎﺟﺎﺗﻚ اﻟﺨﺎﺻﺔ‪.‬‬

‫إﱃ ﺟﺎﻧﺐ اﻷﺣﻜﺎم اﻟﻘﻴﺎﺳﻴﺔ ﻣﺜﻞ ﺳﻌﺮ اﻟﺒﻴﻊ اﳌﻘﺪم أو ﴍوط‬ ‫اﳌﺪﻓﻮﻋﺎت‪ ،‬ﻫﻨﺎك ﻋﺪد ﻗﻠﻴﻞ ﻣﻦ اﻟﺴامت اﻷﺧﺮى اﻟﺘﻲ ﺗﺴﺎﻋﺪك ﻋﲆ‬ ‫ﺣامﻳﺔ ﻣﺼﺎﻟﺤﻚ‪.‬‬ ‫اﻟﻌﺮﺑﻮن ‪ /‬اﻟﻘﻴﻤﺔ اﳌﻘﺪﻣﺔ‪ :‬إﻧﻪ أﻣﺮ ﺷﺎﺋﻊ متﺎﻣﺎً ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻤﺸﱰﻳﻦ‬ ‫ﻻﻇﻬﺎر ﻋﺰﻣﻬﻢ ﻋﲆ اﻟﴩاء ﻣﻦ ﺧﻼل دﻓﻊ ﻋﺮﺑﻮن‪ .‬ﻋﺎدة ﻣﺎ ﻳﻜﻮن ﻫﺬا‬ ‫اﳌﺒﻠﻎ ﻗﺎﺑﻞ ﻟﻠﺮد إذا مل ﻳﺘﻢ اﻟﺒﻴﻊ‪ .‬ﺑﻄﺒﻴﻌﺔ اﻟﺤﺎل‪ ،‬دﻓﻊ ﻣﺒﻠﻎ ﻛﺒري ﻳﺴﺎﻋﺪ‬ ‫ﰲ إﻇﻬﺎر ﺟﺪﻳﺘﻚ ﰲ اﻟﴩاء ﻟﻠﺒﺎﺋﻊ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻛﻤﺸﱰي‪ ،‬ﻳﻌﺪ ﻣﻦ‬ ‫ﻣﺼﻠﺤﺘﻚ اﻟﺘﺄﻛﺪ ﻣﻦ أن اﺳﱰداد اﳌﺎل ﰲ ﺣﺎل ﻋﺪم إمتﺎم اﻟﺒﻴﻊ‪ .‬ﻣﺎ مل‬ ‫ﻳﺘﻀﻤﻦ اﻟﻌﻘﺪ ﺑﻨﺪا ً ﻳﻨﺺ ﻋﲆ ﻓﻘﺪاﻧﻚ ﻟﻜﺎﻣﻞ اﳌﺒﻠﻎ ﻟﻌﺪم ﺳﺪاد‬ ‫دﻓﻌﺎت ﻻﺣﻘﺔ أو ﻟﻌﺪم إمتﺎم اﻟﺼﻔﻘﺔ ﺑﺴﺒﺐ اﻟﺘﺄﺧﺮ ﰲ أﺧﺬ اﻟﺮﻫﻦ‬ ‫اﻟﻌﻘﺎري‪ ،‬وﻗﺪ ﻳﺘﻢ ﺗﺤﻮﻳﻞ اﻷﻣﻮال إﱃ اﻟﺒﺎﺋﻊ ﻛﺘﻌﻮﻳﺾ ﻋﻦ اﻷﴐار‪.‬‬ ‫ﺑﻨﺪ اﻟﺨﺮوج‪ :‬ﰲ ﻛﺜري ﻣﻦ اﻷﺣﻴﺎن ﻗﺪ ﺗﺘﻐري اﻟﻈﺮوف أو اﻟﺤﺎﻟﺔ اﳌﺎﻟﻴﺔ‬ ‫أو ﺧﻼف ذﻟﻚ‪ ،‬ﺑني اﻟﻮﻗﺖ اﻟﺬي ﻳﺘﻢ ﻓﻴﻪ إﺑﺮام اﻻﺗﻔﺎق وﺣﺘﻰ إﻧﺘﻬﺎء‬ ‫اﳌﻌﺎﻣﻠﺔ‪ .‬ﻳﻌﺪ ﻣﻦ ﻣﺼﻠﺤﺔ اﳌﺸﱰي أن ﻳﺸﻤﻞ اﻟﻌﻘﺪ ﺑﻨﺪ اﻟﺨﺮوج‪،‬‬ ‫واﻟﺬي ﻳﺴﻤﺢ ﻟﻪ ﺑﺎﻟﺨﺮوج ﻣﻦ وﺿﻊ ﻏري ﻣﺴﺘﻘﺮ أو اﻟﺨﺮوج ﻣﻦ‬ ‫اﻟﺼﻔﻘﺔ إذا وﺟﺪ ﻋﻘﺎر أﻓﻀﻞ ﰲ ﻏﻀﻮن ذﻟﻚ‪ ،‬ﻣﻦ دون ﻣﺼﺎدرة اﳌﺒﻠﻎ‬ ‫اﳌﺪﻓﻮع‪.‬‬ ‫ﺗﺎرﻳﺦ إﻧﺘﻬﺎء اﳌﻌﺎﻣﻠﺔ‪ :‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن اﻟﺒﺎﻋﺔ ﺣﺮﻳﺼﻮن ﻋﲆ أن‬ ‫ﻳﻜﻮن ﻣﻮﻋﺪ إﻧﺘﻬﺎء اﳌﻌﺎﻣﻠﺔ ﻗﺼري ﻷﻧﻪ ﻳﺮﻏﺐ ﰲ إمتﺎم اﻟﺼﻔﻘﺔ ﰲ أﻗﺮب‬ ‫وﻗﺖ ﻣﻤﻜﻦ‪ ،‬وﻫﺬا ﻗﺪ ﻻ ﺗﻜﻮن ﺑﺎﻟﴬورة ﰲ ﻣﺼﻠﺤﺔ اﳌﺸﱰي‪ .‬ﻟﺬﻟﻚ‬ ‫ﻣﻦ اﳌﻬﻢ اﻟﺘﻔﺎوض واﻟﻌﻤﻞ ﻋﲆ ﻣﻮﻋﺪ ﻣﻌﻘﻮل ﻹﻧﺘﻬﺎء اﳌﻌﺎﻣﻠﺔ ﺑﺤﻴﺚ‬ ‫ميﻜﻦ ﺗﻀﻤﻴﻨﻪ ﰲ اﻟﻌﻘﺪ‪ ،‬ﺑﺤﻴﺚ ﻳﻜﻮن ﻟﺪﻳﻚ اﻟﻮﻗﺖ اﻟﻜﺎﰲ ﻛﻤﺸﱰي‬ ‫ﻻﺳﺘﻜامل اﻟﻌﻨﺎﻳﺔ اﻟﻮاﺟﺒﺔ وﻏريﻫﺎ ﻣﻦ اﻟﺸﻜﻠﻴﺎت ﻗﺒﻞ إﻧﺘﻬﺎء اﳌﻌﺎﻣﻠﺔ‪.‬‬

‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻋﺘامدا ً ﻋﲆ ﻧﻮع اﳌﻔﺎوﺿﺎت اﻟﺘﻲ ﺗﺠﺮي ﺑني اﻟﺒﺎﺋﻊ واﳌﺸﱰي‪ ،‬ميﻜﻦ أن‬ ‫ﺗﻜﻮن اﻟﻌﻘﻮد أﺣﺎدﻳﺔ أو ﺛﻨﺎﺋﻴﺔ‪.‬‬

‫اﻟﻌﻘﺪ اﻷﺣﺎدي‬ ‫ﰲ ﻫﺬا اﻟﻨﻮع ﻣﻦ اﻟﻌﻘﻮد‪ ،‬ﻳﻜﻮن اﻻﺗﻔﺎق ﻣﻦ ﺟﺎﻧﺐ واﺣﺪ‪ ،‬ﻣام ﻳﻌﻨﻲ‬ ‫أن واﺣﺪا ً ﻓﻘﻂ ﻣﻦ اﻟﻄﺮﻓني ﻳﻮاﻓﻖ ﻋﲆ اﻟﻮﻓﺎء ﺑﺎﻟﻮﻋﺪ‪ .‬إﺗﻔﺎق اﻻﺧﺘﻴﺎر‬ ‫ﻫﻮ ﻣﺜﺎل ﺟﻴﺪ ﻋﲆ ﻋﻘﺪ ﻣﻦ ﻃﺮف واﺣﺪ ﻷﻧﻪ ﻳﻌﻄﻲ ﻟﻠﻤﺸﱰي ﺧﻴﺎر‬ ‫اﻟﴩاء ﻏري اﳌﴩوط ﻟﻔﱰة ﻣﺤﺪدة ﻣﻦ اﻟﺰﻣﻦ‪ .‬ﺣﺘﻰ وﻗﺖ إﻧﺘﻬﺎء‬ ‫اﻻﺗﻔﺎق‪ ،‬ﻻ ميﻜﻦ ﻟﻠﺒﺎﺋﻊ ﺑﻴﻊ اﻟﻌﻘﺎر إﱃ أي ﻣﺸﱰ آﺧﺮ‪.‬‬

‫اﻟﻌﻘﺪ اﻟﺜﻨﺎيئ‬ ‫ﰲ اﻟﻌﻘﺪ اﻟﺜﻨﺎيئ‪ ،‬ﻳﻌﺪ ﻛﻞ ﻣﻦ اﻟﻄﺮﻓني ﺑﺸﻴﺊ إﱃ اﻟﻄﺮف اﻵﺧﺮ‪ .‬ﻋﲆ‬ ‫ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﻳﻌﺪ اﻟﺒﺎﺋﻊ ﺑﺒﻴﻊ اﻟﻌﻘﺎر إﱃ اﳌﺸﱰي ﻣﻘﺎﺑﻞ اﻟﺪﻓﻊ ﻧﻘﺪا ً أو‬ ‫ﺗﺄﻛﻴﺪ ﺧﻄﻲ ﻟﺠﺪول ﻣﺴﺘﻘﺒﲇ ﻟﻴﺘﻢ دﻓﻊ اﳌﺒﻠﻎ ﻛﺎﻣﻼً‪.‬‬

‫اﻟﻘﺒﻮل‪ :‬ﺣﺘﻰ ﻳﻈﻬﺮ اﳌﺸﱰي ﻧﻴﺘﻪ ﰲ اﻟﴩاء ﻳﻘﻮم ﺑﺘﻘﺪﻳﻢ ﻋﺮض ﻛﺘﺎيب‬ ‫ﻟﻬﺬا اﻟﻌﻘﺎر‪ ،‬ومبﺠﺮد ﻗﺒﻮل اﻟﴩوط‪ ،‬ﻳﺠﺐ ﻋﲆ اﻟﺒﺎﺋﻊ إﻋﻄﺎء ﻗﺒﻮل‬ ‫ﻛﺘﺎيب إﱃ اﳌﺸﱰي ﺑﺎﳌﻮاﻓﻘﺔ ﻋﲆ ﴍوط اﻟﻌﺮض‪.‬‬ ‫اﻟﻌﺮض اﳌﻀﺎد‪ :‬ﰲ ﻛﺜري ﻣﻦ اﻟﺤﺎﻻت‪ ،‬ﻗﺪ ﺗﻜﻮن اﻟﴩوط اﻷوﻟﻴﺔ‬ ‫ﻟﻠﻌﺮض أو اﻟﻘﺒﻮل اﳌﴩوط ﻏري ﻣﻨﺎﺳﺐ ﻷﺣﺪ اﻟﻄﺮﻓني أو ﻛﻠﻴﻬام‪ .‬ﰲ‬ ‫ﻣﺜﻞ ﻫﺬه اﻟﺤﺎﻻت‪ ،‬ﻳﺼﺒﺢ اﻟﻌﺮض اﻷوﱄ ﺑﺎﻃﻼً‪ ،‬وﻳﺼﺎغ ﻋﻘﺪ ﻛﺘﺎيب آﺧﺮ‬ ‫ﺣﺘﻰ ﻳﺼﺒﺢ اﻟﻌﺮض اﻟﻨﻬﺎيئ ﻣﻠﺰﻣﺎً ﻟﻠﻄﺮﻓني و أﺻﺒﺢ ﻗﺎﺑﻼً ﻟﻠﺘﻨﻔﻴﺬ ﻣﻦ‬ ‫اﻟﻨﺎﺣﻴﺔ اﻟﻘﺎﻧﻮﻧﻴﺔ‪.‬‬ ‫ﺳﻌﺮ اﻟﺒﻴﻊ أو اﳌﻘﺎﺑﻞ‪ :‬ﻛﻞ اﳌﻌﺎﻣﻼت اﻟﻌﻘﺎرﻳﺔ ﺗﻨﻄﻮي ﻋﲆ اﻟﺘﺒﺎدل‬ ‫ﺣﻴﺚ ﻳﺘﻘﺪم اﳌﺸﱰي ﺑﺘﺴﺪﻳﺪ دﻓﻌﺔ ﻣﻦ ﻣﺒﻠﻎ ﻣﻌني ﻣﻦ اﳌﺎل وﻳﻮاﻓﻖ‬ ‫اﻟﺒﺎﺋﻊ ﰲ اﳌﻘﺎﺑﻞ ﻋﲆ ﺗﺴﻠﻴﻢ اﻟﻌﻘﺎر ﻟﻪ‪ .‬إذا مل ﻳﻜﻦ ﻫﻨﺎك ﻣﻘﺎﺑﻞ‪ ،‬ﻛﺎن‬ ‫اﻟﻌﻘﺪ ﺑﺎﻃﻼً‪.‬‬ ‫اﻟﺘﺤﺪﻳﺪ اﳌﻤﻴﺰ ﻟﻠﻌﻘﺎر‪ :‬ﻛﻞ ﻋﻘﺎر ﻳﺠﺮي اﻟﺘﻌﺎﻣﻞ ﻣﻌﻪ ﻳﺠﺐ أن ﻳﺘﻢ‬ ‫ﺗﺤﺪﻳﺪه ﺑﺪﻗﺔ ﺑﺤﻴﺚ ﻳﻀﻤﻦ ﻋﺪم ﺣﺪوث أي اﻟﺘﺒﺎس أو ﻋﺪم اﻟﻴﻘني‬ ‫ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﻟﻌﻘﺎر اﻟﺬي ﻳﺠﺮي ﺑﻴﻌﻪ‪.‬‬

‫ﻣﻦ أﺟﻞ أن ﻳﻜﻮن اﻟﻌﻘﺪ ﻣﻠﺰﻣﺎً ﻗﺎﻧﻮﻧﺎً وﻗﺎﺑﻞ ﻟﻠﺘﻨﻔﻴﺬ‪ ،‬ﻳﺠﺐ أن ﺗﺘﻮاﻓﺮ‬ ‫ﻓﻴﻪ ﴍوط ﻣﻌﻴﻨﺔ‪ .‬ﰲ ﺣني أن ﺑﻌﺾ ﻫﺬه اﻟﻌﻨﺎﴏ ﻗﺪ ﺗﺒﺪو ﺗﻘﻨﻴﺔ‬ ‫ﻟﻠﺸﺨﺺ اﻟﻌﺎدي‪ ،‬ﻛﻤﺸﱰي‪ ،‬إﻻ أﻧﻪ ﻣﻦ ﻣﺼﻠﺤﺘﻚ اﻟﺨﺎﺻﺔ أن ﺗﻜﻮن‬ ‫ﻋﲆ دراﻳﺔ ﺑﻬﺎ ﺣﺘﻰ ﻻ ﺗﺘﺴﺒﺐ ﰲ ﺧﺴﺎرﺗﻚ‪.‬‬ ‫اﻷﻫﻠﻴﺔ اﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻸﻃﺮاف‪ :‬ﻻ ميﻜﻦ إﺑﺮام ﻋﻘﺪ ﺑني أﺷﺨﺎص ﻻ‬ ‫ﻳﺘﻤﺘﻌﻮن ﺑﺎﻷﻫﻠﻴﺔ اﻟﻘﺎﻧﻮﻧﻴﺔ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬اﻟﻘﺎﴏ )ﺷﺨﺺ ﻳﺒﻠﻎ‬ ‫ﻣﻦ اﻟﻌﻤﺮ أﻗﻞ ﻣﻦ ‪ 18‬ﰲ ﻣﻌﻈﻢ اﻟﺒﻠﺪان(‪ ،‬ﻣﺠﺮم ﻣﺪان أو ﺷﺨﺺ‬ ‫ﻣﺨﺘﻞ ﻋﻘﻠﻴﺎً ﻻ ميﻜﻦ إﺑﺮام اﻟﻌﻘﺪ ﻣﻌﻪ‪ .‬ﻷن أي اﺗﻔﺎق ﻳﱪم ﻣﻊ ﻣﺜﻞ ﻫﺬا‬ ‫اﻟﺸﺨﺺ ﻻ ﻳﻜﻮن ﻗﺎﺑﻼً ﻟﻠﺘﻨﻔﻴﺬ وﻳﻌﺪ اﻟﻌﻘﺪ ﺑﺎﻃﻼً‪.‬‬ ‫اﻟﻌﺮض‪ :‬ﻛﻞ ﻋﻘﺪ ﻋﻘﺎري ﻋﺎدة ﻣﺎ ﻳﺘﻀﻤﻦ ﻋﺮﺿﺎً‪ ،‬ﻳﻘﺪﻣﻪ اﳌﺸﱰي‬ ‫ﻟﻠﺒﺎﺋﻊ‪ ،‬ﺣﻴﺚ ﻳﺘﻘﺪم ﺑﻌﺮض ﻟﴩاء اﻟﻌﻘﺎر ﺑﺴﻌﺮ ﻣﻌني ﺧﻼل ﻓﱰة‬ ‫ﻣﺤﺪدة ﻣﻦ اﻟﺰﻣﻦ‪ .‬وﻳﻜﻮن اﻟﻌﺮض ﻛﺘﺎﺑﻴﺎً‪ ،‬وﻳﺠﻮز ﻟﻠﺒﺎﺋﻊ ﻋﺮض اﻟﻌﻘﺎر‬ ‫ﻋﲆ أي أﻃﺮاف أﺧﺮى ﺑﻴﻨام ﻳﻘﻮم ﺑﺪراﺳﺔ اﻟﻌﺮض‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻋﺎدة‪ ،‬ﻣﺎ‬ ‫ﻳﻨﻘﴤ اﻟﻌﺮض ﰲ ﻏﻀﻮن ﻓﱰة زﻣﻨﻴﺔ ﻣﺤﺪدة‪.‬‬

‫اﻻﻟﺘﺰام ﺑﺎﻷﺣﻜﺎم اﻟﻘﺎﻧﻮﻧﻴﺔ‪ :‬ﻳﺠﺐ ﻋﲆ ﴍاء اﻟﻌﻘﺎر أن ﻳﺘﻔﻖ ﻣﻊ‬ ‫اﳌﺘﻄﻠﺒﺎت اﻟﻘﺎﻧﻮﻧﻴﺔ اﻟﺘﻲ ﺣﺪدﺗﻬﺎ اﻟﺴﻴﺎﺳﺔ اﻟﻌﺎﻣﺔ و ‪ /‬أو ﻻ ﻳﻨﺒﻐﻲ‬ ‫اﻟﻘﻴﺎم ﺑﻪ ﻟﻐﺮض ﻏري ﻗﺎﻧﻮين أو ﻏري أﺧﻼﻗﻲ‪ .‬ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﻻ‬ ‫ﻳﺴﺘﻄﻴﻊ اﳌﺸﱰي ﴍاء ﻋﻘﺎر ﰲ ﻣﻨﻄﻘﺔ ﻣﺨﺼﺼﺔ ﻛﻤﻨﻄﻘﺔ ﺳﻜﻨﻴﺔ اذا‬ ‫ﻛﺎن ﻳﺨﻄﻂ ﻻﺳﺘﺨﺪاﻣﻬﺎ ﻛﻤﻜﺘﺐ ﻟﺘﺸﻐﻴﻞ ﺗﺠﺎرﺗﻪ أو ﻣﺆﺳﺴﺔ ﺗﺠﺎرﻳﺔ‪.‬‬

‫‪23‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫‪11‬‬ ‫ﺑﻌﺪ ﻗﻴﺎﻣﻚ ﺑﺘﻘﻴﻴﻢ اﻟﻌﻘﺎر‪ ،‬وأﺧﺬ ﻗﺮار ﺑﺘﻘﺪﻳﻢ ﻋﺮض ﻟﻪ‪ ،‬ﺗﻜﻮن اﻟﺨﻄﻮة اﻟﺘﺎﻟﻴﺔ ﻫﻲ إﻋﺪاد اﻟﻌﻘﺪ‪ .‬اﻟﻜﻠامت‪،‬‬ ‫اﳌﻨﺎﻗﺸﺎت أو اﻟﻮﻋﻮد اﻟﺸﻔﻮﻳﺔ ﻟﻴﺴﺖ ﻛﺎﻓﻴﺔ‪ .‬ﺗﺤﺘﺎج إﱃ وﺿﻌﻬﺎ ﻛﺘﺎﺑﺔ و ﺗﻘﺪﻳﻢ ﻋﻘﺪ أو اﺗﻔﺎق اﻟﴩاء ﻟﻠﺒﺎﺋﻊ‬ ‫أو وﻛﻴﻠﻪ‪ .‬ﻫﺬا ﻫﻮ اﻟﻄﺮﻳﻖ اﻟﻮﺣﻴﺪ اﻟﺬي ﻳﺠﻌﻞ ﻫﺬه اﻟﻮﻋﻮد ﺗﺼﺒﺢ ﻗﺎﺑﻠﺔ ﻟﻠﺘﻨﻔﻴﺬ ﻣﻦ اﻟﻨﺎﺣﻴﺔ اﻟﻘﺎﻧﻮﻧﻴﺔ ﰲ‬ ‫ﺣﺎل ﻋﺪم إﻟﺘﺰام أي ﻣﻦ اﻟﻄﺮﻓني ﺑﻮﻋﺪه‪ .‬ﰲ درس ﻫﺬا اﻟﺸﻬﺮ‪ ،‬ﺳﻮف ﻧﺘﻄﺮق ﻟﻨﻘﺎط ﻣﺨﺘﻠﻔﺔ ﻳﻨﺒﻐﻲ وﺿﻌﻬﺎ‬ ‫ﰲ اﻹﻋﺘﺒﺎر ﻗﺒﻞ إﻋﺪاد وﺗﻘﺪﻳﻢ اﻟﻌﻘﺪ أو اﺗﻔﺎق اﻟﴩاء‪.‬‬

‫‪www.valoran.ae‬‬

Valoran Real Estate Brokers Your Lifestyle Broker

2014

.

2014 .

21

2014

- 13

Asia Pacific Office Rental Values, 2013 Hong Kong (Centeral) Beijing (CBD) Shanghai (CBD Overall) Tokyo (CBD 5-kus) Singapore (Rafles Place) Mumbai (SBD BKC) Preth (CBD) Seol (CBD) Taipei ( Xny) Ho Chi Minh City (CBD) Guangzhou (Overall) Sydney (CBD Delhi (SBD) Brisbane (CBD) Osaka (CBD 2-kus) Hanoi (Overall Jakarta (CBD) Auckland (CBD) Melbourne (CBD) Adelaide (CBD) Canberra (CBD) Wellington (CBD) Manila (Makati CBD) Bangkok (CBD) Kuala Lumpur (City Centre) Banglore (SBD) Chennai (SBD) 0

200

400

600

800

1,000 1,200 1,400 1,600

Net Effective Rents (USD psm pa)

Source: Jones Lang LaSalle

Asia Pacific Office Capitals Values, 2013 Hong Kong (Centeral) Singapore (Rafles Place) Tokyo (CBD 5-kus) Beijing (CBD) Taipei (CBD) Shanghai (CBD Overall) Sydney (DBD) Seoul (CBD) Perth (CBD) Guangzhou (Overall) Melbourne (CBD) Brisbane (CBD) Osaka (CBD 2-kus) Mumbai (SBD BKC) Canberra (CBD) Delhi (CBD) Adelaide (CBD) Jakarta (CBD) Auckland(CBD) Bangkok(CBD) Wellington (CBD) Kuala Lumpure (City Centre) Manila (Makai CBD)a Banglore (SBD) Chennai (SBD) 0

10,000

20,000

30,000

40,000

50,000

60,000

Capital Values (USD psm)

www.valoran.ae

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻣﻠﻴﻮن ﻗﺪم ﻣﺮﺑﻊ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين و إﱃ ﻣﺰﻳﺪ ﻣﻦ اﻻﻧﺨﻔﺎض إﱃ ‪3.1‬‬ ‫ﻣﻠﻴﻮن ﻗﺪم ﻣﺮﺑﻊ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‪ .‬أﻛرث ﻣﻦ ‪ 60‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻫﺬه‬ ‫اﻹﻣﺪادات اﻟﺠﺪﻳﺪة أﺿﻴﻔﺖ ﰲ ﻧﻮﻳﺪا وﺑﻨﻐﺎﻟﻮر‪.‬‬ ‫ﻇﻠﺖ أﺳﻌﺎر اﻹﻳﺠﺎر ﻣﺴﺘﻘﺮة ﻧﺴﺒﻴﺎ ﻋﱪ اﳌﺪن‪ ،‬ﺑﺎﺳﺘﺜﻨﺎء ﻋﺪد ﻗﻠﻴﻞ ﻣﻦ‬ ‫اﻷﺳﻮاق اﻟﺼﻐرية ﰲ ﻛﻮﻟﻜﺎﺗﺎ وﺟﻮرﺟﺎون‪ ،‬واﻟﺘﻲ ﺷﻬﺪت اﻧﺨﻔﺎﺿﺎت‬ ‫ﺗﱰاوح ﺑني ‪ 1‬ﰲ اﳌﺎﺋﺔ و ‪ 7‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻟﺴﺎﺑﻖ‪ .‬ﻋﲆ اﻟﺮﻏﻢ‬ ‫ﻣﻦ ﺗﺮاﺟﻊ اﻟﻄﻠﺐ ﻋﲆ اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ اﻟﺠﺪﻳﺪة‪ ،‬إﻻ أن أﺳﻌﺎر‬ ‫اﻹﻳﺠﺎر ﻇﻠﺖ ﻣﺴﺘﻘﺮة ﺑﺴﺒﺐ ﺗﺒﺎﻃﺆ ﻣﻌﺪل إﺿﺎﻓﺔ اﳌﺴﺎﺣﺎت اﻟﺠﺪﻳﺪة‪.‬‬ ‫ﻣﻦ اﳌﺮﺟﺢ أن ﻳﺴﺘﻤﺮ ﻫﺬا اﻟﻮﺿﻊ ﰲ ﻋﺎم ‪ ،2014‬وذﻟﻚ ﺑﺴﺒﺐ ﺣﺎﻟﺔ‬ ‫ﻋﺪم اﻟﻴﻘني اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﻟﻈﺮوف اﻻﻗﺘﺼﺎدﻳﺔ اﻟﻌﺎﳌﻴﺔ واﻻﻧﺘﺨﺎﺑﺎت‬ ‫اﻟﻌﺎﻣﺔ اﻟﻘﺎدﻣﺔ‪ ،‬ﺣﻴﺚ أﻧﻪ وﺣﺘﻰ ذﻟﻚ اﻟﺤني ﺳﻮف ﺗﻀﻊ اﻟﴩﻛﺎت‬ ‫ﺧﻄﻄﻬﺎ اﻟﺘﻮﺳﻌﻴﺔ ﻗﻴﺪ اﻹﻧﺘﻈﺎر وﺗﻠﺠﺄ ﺑﺪﻻً ﻣﻦ ذﻟﻚ إﱃ اﻟﺪﻣﺞ‪.‬‬ ‫وﻓﻘﺎً ﻟﺒﺤﺚ أﺟﺮﺗﻪ ﺟﻮﻧﺰ ﻻﻧﻎ ﻻﺳﺎل‪ ،‬ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺄﺳﻌﺎر اﳌﻜﺎﺗﺐ‬ ‫واﻹﻳﺠﺎر‪ ،‬ﻻ ﺗﺰال اﳌﺪن ﰲ اﻟﻬﻨﺪ ﻣﺘﺄﺧﺮة ﻣﻘﺎرﻧﺔ ﺑﻨﻈﺮاﺋﻬﺎ ﰲ ﻣﻨﻄﻘﺔ‬ ‫آﺳﻴﺎ واﳌﺤﻴﻂ اﻟﻬﺎدئ‪.‬‬

‫ﰲ ﻗﻄﺎع اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ أﻳﻀﺎً‪ ،‬ﻇﻠﺖ ﻗﻴﻢ اﻹﻳﺠﺎر ﻛام ﻫﻲ أو ﻋﻨﺪ‬ ‫اﻟﺤﺪ اﻷدىن ﻣﻦ اﻟﻨﻤﻮ‪ ،‬وذﻟﻚ ﺑﺴﺒﺐ اﻧﺨﻔﺎض اﻟﻄﻠﺐ ﻣﻦ ﺗﺠﺎر‬ ‫اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ‪ .‬وﻗﺪ ﻗﺎم ﺗﺠﺎر اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ اﻷﺟﺎﻧﺐ‬ ‫ﺑﺘﺄﺟﻴﻞ ﺧﻄﻄﻬﻢ اﻟﺘﻮﺳﻌﻴﺔ ﰲ اﻟﺒﻼد ﻧﻈﺮا ً ﻟﻌﺪم اﻟﻴﻘني وﻋﺪم اﻟﻮﺿﻮح‬ ‫ﰲ اﻟﺴﻴﺎﺳﺎت اﳌﺘﻌﻠﻘﺔ ﺑﺎﻻﺳﺘﺜامر اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ )‪.(FDI‬‬ ‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن اﻟﺤﻜﻮﻣﺔ ﻗﺪ ﺧﻔﻔﺖ ﻣﻦ اﻟﻘﻮاﻋﺪ اﳌﺘﻌﻠﻘﺔ ﺑﺎﻻﺳﺘﺜامر‬ ‫اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ ﰲ ﻗﻄﺎع اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ ﻟﻠﻤﻨﺎﻓﺬ ﻣﺘﻌﺪدة‬ ‫اﻟﻌﻼﻣﺎت اﻟﺘﺠﺎرﻳﺔ ﰲ ﻣﺤﺎوﻟﺔ ﻟﺠﺬب اﻟﺴﻼﺳﻞ اﻟﻌﺎﳌﻴﺔ ﻣﺜﻞ وول‬ ‫ﻣﺎرت وﻛﺎرﻓﻮر‪ ،‬ﻛﺎن ﻫﻨﺎك ﰲ اﻟﺒﺪاﻳﺔ ﺑﻌﺾ اﻟﴩوط اﻟﺘﻘﻴﻴﺪﻳﺔ اﳌﺘﻌﻠﻘﺔ‬ ‫ﺑﺎﻟﺴﻴﻄﺮة ﻋﲆ اﳌﺸﺎرﻳﻊ اﳌﺸﱰﻛﺔ‪ .‬وﻳﺮﺟﻊ ذﻟﻚ إﱃ اﺳﺘﺠﺎﺑﺔ ﺑﺎﻫﺘﺔ ﻣﻦ‬ ‫ﺗﺠﺎر اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ ﻣﺘﻌﺪدة اﻟﻌﻼﻣﺎت اﻟﺘﺠﺎرﻳﺔ اﻷﺟﻨﺒﻴﺔ‪ ،‬وﺗﻢ‬ ‫ﺗﺨﻔﻴﻒ اﳌﻌﺎﻳري أﻛرث‪ ،‬وﻳﺸﻌﺮ ﻣﺴﺘﺸﺎروا ﻫﺬا اﳌﺠﺎل ﺑﺎﻟﺘﻔﺎﺋﻞ ﺣﻴﺎل‬ ‫اﺧﺘﻴﺎر اﻻﺳﺘﺜامر اﻷﺟﻨﺒﻲ اﳌﺒﺎﴍ ﺣﺘﻰ ﻋﺎم ‪ .2014‬وﻣﻊ ذﻟﻚ‪ ،‬ﻣﻊ‬ ‫إﻗﱰاب ﻣﻮﻋﺪ اﻻﻧﺘﺨﺎﺑﺎت اﻟﻌﺎﻣﺔ‪ ،‬واﻟﺘﻲ ﻗﺪ ﺗﺆدي إﱃ ﺗﻐري ﰲ اﻟﺴﻴﺎﺳﺎت‬ ‫ﻣﻦ ﻗﺒﻞ اﻟﺤﺰب اﻟﺴﻴﺎﳼ اﻟﺬي ﺳﻮف ﻳﺄيت إﱃ اﻟﺴﻠﻄﺔ‪ ،‬ﻓﺈن ﺗﺠﺎر‬ ‫اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ ﻳﺘﺒﻌﻮن ﻧﻬﺞ اﻻﻧﺘﻈﺎر واﳌﺮاﻗﺒﺔ‪.‬‬

‫‪19‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫اﻟﺰﻳﺎدة اﳌﺘﻮﻗﻌﺔ ﰲ ﻣﻌﺪﻻت اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي وإﺟامﱄ اﻟﻨﺎﺗﺞ اﳌﺤﲇ‪،‬‬ ‫ﰲ أﻋﻘﺎب اﻻﻧﺘﺨﺎﺑﺎت اﻟﻌﺎﻣﺔ اﻟﺘﻲ ﻣﻦ اﳌﻘﺮر إﺟﺮاؤﻫﺎ ﰲ وﻗﺖ ﻻﺣﻖ‬ ‫ﻣﻦ اﻟﻌﺎم اﳌﻘﺒﻞ‪.‬‬

‫ﺑﻴﻨام ﺗﻮاﺻﻞ اﻟﴩﻛﺎت إﺗﺒﺎع ﻧﻬﺞ ﻣﺤﺎﻓﻆ ﻧﺤﻮ اﻻﺳﺘﺜامرات اﻟﻌﻘﺎرﻳﺔ‪،‬‬ ‫اﻧﺨﻔﺾ اﻟﻄﻠﺐ اﻟﻜﲇ ﻋﲆ اﻟﻌﻘﺎرات اﻟﺘﺠﺎرﻳﺔ‪ .‬وإﻧﺨﻔﺾ اﻹﻗﺒﺎل ﻋﲆ‬ ‫اﻹﻳﺠﺎر اﻟﺘﺠﺎري ﺑﻨﺴﺒﺔ ‪ 20‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﰲ ﺳﺖ ﻣﺪن‬ ‫ﻫﻨﺪﻳﺔ رﺋﻴﺴﻴﺔ ‪ -‬دﻟﻬﻲ‪ ،‬ﻣﻮﻣﺒﺎي‪ ،‬ﺗﺸﻴﻨﺎي‪ ،‬ﻛﻠﻜﺘﺎ‪ ،‬ﺑﻨﻐﺎﻟﻮر وﺑﻴﻮن ‪ -‬ﻣﻊ‬ ‫إﺳﺘﻴﻌﺎب ‪ 6.2‬ﻣﻠﻴﻮن ﻗﺪم ﻣﺮﺑﻊ ﻓﻘﻂ ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ ‪ 8‬ﻣﻼﻳني ﻗﺪم ﻣﺮﺑﻊ‬ ‫ﰲ اﻟﺮﺑﻊ اﻟﺴﺎﺑﻖ‪ .‬ﻣﻦ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ اﳌﻀﺎﻓﺔ إﱃ اﳌﺨﺰون‪ ،‬ﺣﻮاﱄ‬ ‫‪ 60‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻹﻣﺪادات اﻟﺠﺪﻳﺪة ﻛﺎﻧﺖ ﰲ ﺑﻨﻐﺎﻟﻮر‪ ،‬دﻟﻬﻲ وﻧﻮﻳﺪا‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻏﺎﻟﺒﻴﺔ ﻧﺴﺒﺔ اﻹﺳﺘﻴﻌﺎب اﻟﺠﺪﻳﺪة ﻧﺘﺠﺖ ﻋﻦ‬ ‫اﻟﴩﻛﺎت اﻟﺘﻲ ﻗﺎﻣﺖ إﻣﺎ ﺑﺘﻌﺰﻳﺰ ﻋﻤﻠﻴﺎﺗﻬﺎ أو اﻻﻧﺘﻘﺎل إﱃ ﻣﻮاﻗﻊ‬ ‫أرﺧﺺ‪.‬‬ ‫ﻟﻠﺘﻐريات اﻻﺟﺘامﻋﻴﺔ واﻟﺴﻴﺎﺳﻴﺔ‪ .‬وﰲ ﺑﻴﻮن و ﻛﻮﻟﻜﺎﺗﺎ إﻧﺨﻔﺾ ﻋﺪد‬ ‫اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ اﻟﺠﺪﻳﺪة أﻳﻀﺎً وﻟﻜﻦ ﺑﺸﻜﻞ ﻣﻌﺘﺪل‪.‬‬ ‫وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺴﺘﻤﺮ إﻧﺨﻔﺎض أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﺧﻼل‬ ‫اﻷرﺑﺎع ‪ 2-3‬اﻟﻘﺎدﻣﺔ‪ ،‬وﻟﻜﻦ ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺮﺗﻔﻊ ﻣﺮة أﺧﺮى ﳌﻮاﻛﺒﺔ‬

‫ﻣﻊ اﻧﺨﻔﺎض اﻷﻋامل و ﺛﻘﺔ اﳌﺴﺘﺜﻤﺮﻳﻦ ﻣام ﺗﺴﺒﺐ ﰲ ﺗﺄﺟﻴﻞ إﺗﺨﺎذ‬ ‫اﻟﴩﻛﺎت ﻟﻠﻘﺮارات اﻻﺳﺘﺜامرﻳﺔ‪ ،‬إﻣﺘﻨﻊ اﳌﻄﻮرون أﻳﻀﺎً ﻋﻦ اﺳﺘﺜامرات‬ ‫اﳌﻀﺎرﺑﺔ و ﺑﺪﻻ ﻣﻦ ذﻟﻚ اﺧﺘﺎروا اﻟﱰﻛﻴﺰ ﻋﲆ اﻟﻘﻄﺎع اﻟﺴﻜﻨﻲ‪ .‬ﺧﻼل‬ ‫اﻷرﺑﺎع اﻟﺜﻼﺛﺔ اﳌﺎﺿﻴﺔ‪ ،‬إﻧﺨﻔﻀﺖ ﻣﴩوﻋﺎت ﺗﻄﻮﻳﺮ اﳌﺴﺎﺣﺎت‬ ‫اﳌﻜﺘﺒﻴﺔ ﺗﺪرﻳﺠﻴﺎ ﻣﻦ ‪ 5.8‬ﻣﻠﻴﻮن ﻗﺪم ﻣﺮﺑﻊ ﰲ اﻟﺮﺑﻊ اﻷول إﱃ ‪4‬‬

‫)‪STATS ON THE GO (FIGURES IN USD MILLION‬‬

‫‪Source:‬‬ ‫‪Real Capital‬‬ ‫‪Analytics, Cushman‬‬ ‫‪& Wakefield‬‬ ‫‪Research‬‬

‫‪www.valoran.ae‬‬

‫‪Sector‬‬

‫‪Y-O-Y Change‬‬

‫‪HI 2013‬‬

‫‪HI 2012‬‬

‫‪-35.28‬‬

‫‪612.7‬‬

‫‪945.5‬‬

‫‪Development Land‬‬

‫‪-54.1‬‬

‫‪193.4‬‬

‫‪421.4‬‬

‫‪Office‬‬

‫‪N/A‬‬

‫‪-‬‬

‫‪78.2‬‬

‫‪Hospitality‬‬

‫‪-50.4‬‬

‫‪152.2‬‬

‫‪306.9‬‬

‫‪Residential‬‬

‫‪N/A‬‬

‫‪-‬‬

‫‪20.2‬‬

‫‪Others‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﻹﻳﺠﺎر‪ ،‬ﻓﺈن اﻟﻘﻮاﻧني اﳌﺆﻳﺪة ﻟﻠﻤﺴﺘﺄﺟﺮ ﰲ اﻟﻬﻨﺪ ﺗﺼﺎﺣﺒﻬﺎ‬ ‫ﻣﺨﺎﻃﺮ ﺗﺠﺎوز اﳌﺪة اﳌﺤﺪدة‪ ،‬وﺑﻴﻨام ميﻜﻦ اﻟﺘﻌﺎﻣﻞ ﻣﻊ ﻫﺬه اﻟﺤﺎﻟﺔ‬ ‫ﻣﻦ ﺧﻼل اﻟﻌﻘﻮد واﺟﺒﺔ اﻟﺘﻨﻔﻴﺬ ﰲ اﳌﺤﻜﻤﺔ‪ ،‬ﻣﻊ اﻟﺘﺄﺧري ﰲ اﻟﻨﻈﺎم‬ ‫اﻟﻘﺎﻧﻮين‪ ،‬ﻋﺎدة ﻣﺎ ﻳﺴﺘﻤﺮ اﻟﺘﻘﺎﴈ ﻟﻌﺪة ﺳﻨﻮات‪ .‬ﺣﻴﺚ أن ﻗﻮاﻧني‬ ‫اﻹﻳﺠﺎر اﳌﺆﻳﺪة ﻟﻠﻤﺴﺘﺄﺟﺮ ﻻ ﺗﻨﻄﺒﻖ إﻻ ﻋﲆ ﻋﻘﻮد اﻟﺘﺄﺟري ﳌﺪة ‪12‬‬ ‫ﺷﻬﺮا أو أﻛرث‪ ،‬ﻓﺈن ﻣﻌﻈﻢ أﺻﺤﺎب اﻟﻌﻘﺎرات ﻳﻔﻀﻠﻮن ﻋﻘﺪ اﻹﻳﺠﺎر‬ ‫واﻟﱰﺧﻴﺺ اﻟﺬي ميﻨﺢ اﳌﺴﺘﺄﺟﺮﻳﻦ اﻟﺤﻖ ﰲ اﻹﻳﺠﺎر ﳌﺪة ‪ 11‬ﺷﻬﺮا‬ ‫ﻓﻘﻂ‪ ،‬ﻣﻊ ﺧﻴﺎر اﻟﺘﺠﺪﻳﺪ اﻟﺪوري‪.‬‬ ‫وﻳﺴﻤﺢ ﻟﻠﻤﻮاﻃﻨني اﻷﺟﺎﻧﺐ ﴍاء اﻟﻌﻘﺎرات ﰲ اﻟﻬﻨﺪ ﰲ ﺣﺎل ﺗﺤﻘﻖ‬ ‫ﴍوط اﻹﻗﺎﻣﺔ ﻣﻦ ﺣﻴﺚ اﻟﺒﻘﺎء ﰲ اﻟﺒﻼد ﳌﺪة ‪ 183‬ﻳﻮﻣﺎً ﻋﲆ اﻷﻗﻞ ﰲ‬ ‫اﻟﺴﻨﺔ‪ .‬ﻫﺬا ﻻ ﻳﺴﻤﺢ ﺗﻠﻘﺎﺋﻴﺎ ﻟﺤﺎﻣﲇ اﻟﺘﺄﺷرية اﻟﺴﻴﺎﺣﻴﺔ أو ﺣﺘﻰ اﻟﻬﻨﻮد‬ ‫ﻏري اﳌﻘﻴﻤني أو اﻷﺷﺨﺎص ذوي اﻷﺻﻮل اﻟﻬﻨﺪﻳﺔ وﻟﻜﻨﻬﻢ ﻏري ﻣﻘﻴﻤني‪،‬‬ ‫ﻣﻦ ﴍاء اﻟﻌﻘﺎرات ﰲ اﻟﺒﻼد‪ .‬ﺗﻜﺎﻟﻴﻒ اﳌﻌﺎﻣﻼت اﻟﻌﻘﺎرﻳﺔ ﻳﱰاوح ﺑني‬ ‫‪ 8.75‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 18‬ﰲ اﳌﺎﺋﺔ ﺗﺒﻌﺎً ﳌﻮﻗﻊ و ﻧﻮع اﻟﻌﻘﺎر‪.‬‬

‫وﻓﻘﺎ ﻟﺘﺤﺪﻳﺚ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﺳﻴﺘﻲ ﺑﻨﻚ‪ ،‬أﻇﻬﺮت اﻷﺳﻮاق اﻟﺴﻜﻨﻴﺔ‬ ‫ﰲ ﻣﻌﻈﻢ اﳌﺪن ﰲ اﻟﻬﻨﺪ ﻋﻼﻣﺎت اﻻﺳﺘﻘﺮار ﰲ ﻛﻞ ﻣﻦ ﻗﻴﻢ رأس اﳌﺎل‬ ‫وﻛﺬﻟﻚ أﺳﻌﺎر اﻹﻳﺠﺎرات‪ .‬ﰲ ﺑﻌﺾ اﳌﺪن‪ ،‬ﺣﺪﺛﺖ ﺗﻌﺪﻳﻼت ﰲ أﺳﻌﺎر‬ ‫اﻟﺘﺄﺟري ﰲ ﴍاﺋﺢ اﻷﺳﻌﺎر اﳌﺘﻮﺳﻄﺔ واﳌﺮﺗﻔﻌﺔ‪ .‬ﻣﻦ ﺣﻴﺚ ﻗﻴﻢ رأس‬ ‫اﳌﺎل‪ ،‬ﺷﻬﺪت ﺑﻌﺾ اﳌﺪن اﻧﺨﻔﺎﺿﺎ ﰲ ﺣني أﻇﻬﺮت ﺑﻨﺠﻠﻮر إرﺗﻔﺎع‬ ‫ﺑﻨﺴﺒﺔ‪ 3-6‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﴩاﺋﺢ اﳌﺘﻮﺳﻄﺔ ﰲ ﺑﻌﺾ أﺳﻮاﻗﻬﺎ اﻟﺼﻐرية‪ .‬ﰲ‬ ‫اﳌﻨﺎﻃﻖ اﻟﻮﺳﻄﻰ ﻣﻦ اﳌﺪﻳﻨﺔ‪ ،‬إرﺗﻔﻌﺖ ﻗﻴﻢ رأس اﳌﺎل ﺑﻨﺴﺒﺔ ‪ 12‬ﰲ‬ ‫اﳌﺎﺋﺔ ﰲ ﻗﻄﺎع اﻟﴩﻳﺤﺔ اﳌﺘﻮﺳﻄﺔ‪.‬‬ ‫ﺗﺒﺎﻃﺄ ﻋﺪد اﻟﻌﻘﺎرات اﻟﺠﺪﻳﺪة اﻟﺘﻲ ﺗﺪﺧﻞ اﻟﺴﻮق‪ .‬ﰲ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‬ ‫ﻣﻦ ﻋﺎم ‪ ،2013‬أﻃﻠﻘﺖ ‪ 43,825‬وﺣﺪة ﻓﻘﻂ ﰲ أﻋﲆ مثﺎين ﻣﺪن‬ ‫ﻫﻨﺪﻳﺔ – ﻣﺤﻘﻘﺔ اﻧﺨﻔﺎﺿﺎً ﺑﻨﺴﺒﺔ ‪ 15‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻟﺜﺎين‪.‬‬ ‫وﺷﻬﺪت ﻣﺪن أﺣﻤﺪ أﺑﺎد‪ ،‬ﺗﺸﻴﻨﺎي‪ ،‬ﺑﻨﻐﺎﻟﻮر‪ ،‬ﻣﻮﻣﺒﺎي ودﻟﻬﻲ ارﺗﻔﺎﻋﺎ ﰲ‬ ‫إﻃﻼق اﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ اﻟﺠﺪﻳﺪة‪ ،‬ﰲ ﺣني ﺷﻜﻠﺖ ﺣﻴﺪر أﺑﺎد أﻛﱪ‬ ‫اﻧﺨﻔﺎض )‪ 55‬ﰲ اﳌﺎﺋﺔ( وذﻟﻚ ﺑﺴﺒﺐ ﻋﺪم اﻟﺘﻴﻘﻦ ﳌﻮﻗﻌﻬﺎ ﻧﺘﻴﺠﺔ‬

‫‪17‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫ﺷﻬﺪ ﻗﻄﺎع اﻟﻌﻘﺎرات ﰲ اﻟﻬﻨﺪ منﻮا ﴎﻳﻌﺎ ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻘﻠﻴﻠﺔ‬ ‫اﳌﺎﺿﻴﺔ ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء ﻗﻄﺎﻋﺎﺗﻪ اﻟﺴﻜﻨﻴﺔ واﳌﻜﺘﺒﻴﺔ واﻟﺘﺠﺎرﻳﺔ‪ .‬ﻣﻊ‬ ‫ﺗﻮاﻓﺮ اﻟﺴﻬﻮﻟﺔ اﻟﻨﺴﺒﻴﺔ ﻟﻠﻘﺮوض اﳌﴫﻓﻴﺔ‪ ،‬ارﺗﻔﺎع اﻟﺪﺧﻞ وﺗﺤﺴني‬ ‫ﻣﺴﺘﻮى اﳌﻌﻴﺸﺔ‪ ،‬إرﺗﻔﺎع أﺳﻌﺎر اﻟﻌﻘﺎرات‪ ،‬اﻟﺬي ﻛﺎن ﻣﻘﺘﴫا ً ﻋﲆ‬ ‫اﻟﺤﻮاﴐ اﻟﻜﺒرية‪ ،‬ميﻜﻦ اﻵن ﻣﻼﺣﻈﺘﻪ ﺣﺘﻰ ﰲ اﳌﺪن واﻟﺒﻠﺪات‬ ‫اﻟﺼﻐرية‪ .‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﻘﱰب ﻗﻴﻤﺔ اﻟﻘﻄﺎع اﻟﻌﻘﺎري اﻟﻬﻨﺪي ﻣﻦ‬ ‫‪ 180‬ﻣﻠﻴﺎر دوﻻر أﻣﺮﻳيك ﺑﺤﻠﻮل ﻋﺎم ‪ ،2020‬مبﻌﺪل منﻮ ﺳﻨﻮي ﻣﺮﻛﺐ‬ ‫‪ 11.6%‬ﻣﻦ ‪ 66.8‬ﻣﻠﻴﺎر دوﻻر ﰲ ‪.2010-11‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﻋﲆ ﻣﺪى اﻟﺮﺑﻌني اﳌﺎﺿﻴني‪ ،‬وذﻟﻚ ﺑﺴﺒﺐ اﻟﻈﺮوف‬ ‫اﻻﻗﺘﺼﺎدﻳﺔ اﻟﻬﺎدﺋﺔ‪ ،‬ﺗﺒﺎﻃﺄ اﻟﻨﻤﻮ‪ .‬وﻓﻘﺎ ﻟﺘﺤﺪﻳﺚ ﻧﺎﻳﺖ ﻓﺮاﻧﻚ‪ ،‬اﻧﺨﻔﻀﺖ‬

‫أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﰲ اﻟﻬﻨﺪ ﺑﻨﺴﺒﺔ ‪ 1.7‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين اﳌﻨﺘﻬﻲ ﰲ‬ ‫ﻳﻮﻧﻴﻮ ‪ .2013‬ﻣﻊ رﻓﻊ ﺑﻨﻚ اﻻﺣﺘﻴﺎﻃﻲ اﻟﻬﻨﺪي ﻷﺳﻌﺎر اﻟﻔﺎﺋﺪة ﰲ‬ ‫ﻣﺤﺎوﻟﺔ ﻟﻜﺒﺢ ﺟامح اﻟﺘﻀﺨﻢ‪ ،‬وﺗﺮاﺟﻊ اﻟﺮوﺑﻴﺔ اﻟﻬﻨﺪﻳﺔ ﺑﺴﺒﺐ اﻟﻌﺠﺰ‬ ‫اﻟﺘﺠﺎري اﻟﻜﺒري‪ ،‬آﺟﻞ اﳌﺸﱰون ﻗﺮاراﺗﻬﻢ اﻻﺳﺘﺜامرﻳﺔ ﺣﺘﻰ ﺗﺴﺘﻘﺮ‬ ‫اﻟﺴﻮق‪ .‬وﻓﻘﺎ ﻟﻼرﻗﺎم اﻟﺼﺎدرة ﻋﻦ أﺑﺤﺎث ﻛﻮﺷامن ووﻳﻜﻔﻴﻠﺪ‪ ،‬اﻧﺨﻔﺾ‬ ‫اﻻﺳﺘﺜامر ﰲ ﺗﻄﻮﻳﺮ اﻷراﴈ واﳌﻜﺎﺗﺐ واﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ اﻟﻨﺼﻒ‬ ‫اﻷول ﻣﻦ ﻋﺎم ‪ 2013‬ﻣﻘﺎرﻧﺔ ﺑﻨﻔﺲ اﻟﻔﱰة ﻣﻦ ﻋﺎم ‪ .2012‬ﰲ ﺣني ﺗﻢ‬ ‫اﻹﻋﻼن ﻋﻦ ﻋﺪد ﻗﻠﻴﻞ ﻣﻦ اﳌﺸﺎرﻳﻊ اﻟﺠﺪﻳﺪة ﺧﻼل اﻟﺮﺑﻌني اﳌﺎﺿﻴني‪،‬‬ ‫ﻣﻊ ﺗﺒﺎﻃﺆ ﻣﺒﻴﻌﺎت اﻟﻌﻘﺎرات‪ ،‬ﺗﺴﺒﺐ إرﺗﻔﺎع أﺳﻌﺎر اﳌﺨﺰون اﻟﻐري ﻣﺒﺎع‬ ‫ﰲ ﻗﻴﺎم اﻟﺒﺎﺋﻌني ﺑﺘﻮﻓري ﺣﻮاﻓﺰ إﺿﺎﻓﻴﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﺧﻴﺎرات اﻟﺪﻓﻊ‬ ‫اﻟﺴﻬﻠﺔ‪.‬‬

‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫‪120‬‬ ‫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.‬‬

‫ﺗﺄيت أﺣﻮاض اﻻﺳﺘﺤامم ﰲ أﺷﻜﺎل وﺗﺼﺎﻣﻴﻢ ﻣﺘﻨﻮﻋﺔ ﻣﺜﻞ ﻣﻮﻧﺎي‬ ‫)داﺋﺮﻳﺔ( و ﺑﺎوﻻ )ﺑﻴﻀﺎوﻳﺔ( ﻣﻦ اﳌﺠﻤﻮﻋﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ و ﺑﻮاري ﳼ‬ ‫ﻣﻦ ﻣﺠﻤﻮﻋﺔ ﺗﻴﻮن‪ ،‬واﻟﺘﻲ ﺗﺘﻮﻓﺮ ﰲ ﺛﻼﺛﺔ أﺣﺠﺎم ﻣﺨﺘﻠﻔﺔ ﺗﺴﻤﺢ‬ ‫ﺑﺎﻹﻧﺤﻨﺎء‪ ،‬ﻓﻀﻼ ﻋﻦ ﺗﺼﻤﻴﻢ ﻏﺎﻳﺎ اﻷﺷﺒﻪ ﺑﺎﻟﺼﻨﺪوق واﻟﺬي ﻳﺄيت ﰲ‬ ‫أﺣﺠﺎم ﺻﻐرية وﻛﺒرية‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ميﻜﻦ إﺧﺘﻴﺎر ﻧﻮع اﻷﺧﺸﺎب‬ ‫اﻟﺘﻲ ﺗﺼﻨﻊ ﻣﻨﻬﺎ أﺣﻮاض اﻻﺳﺘﺤامم ﻣﺜﻞ اﳌريﺑﺎو‪ ،‬اﻟﻘﻴﻘﺐ‪ ،‬اﻟﺒﺎداوك‬ ‫واﻟﺠﻮز‪.‬‬ ‫ﻫﺬه اﻷﺣﻮاض اﻟﺮاﺋﻌﺔ‪ ،‬واﻟﺘﻲ ﺗﺼﻨﻊ ﺑﺎﺳﺘﺨﺪام ﻣﺰﻳﺞ ﻣﻦ اﻟﱪاﻣﺞ‬ ‫اﳌﺘﻄﻮرة‪ ،‬وﺣﻠﻮل اﻟﺘﺼﻤﻴﻢ اﻟﺘﻜﻨﻮﻟﻮﺟﻲ اﻟﻌﺎﻟﻴﺔ واﳌﻬﺎرة اﻟﻴﺪوﻳﺔ‬ ‫ﺑﺎﺳﺘﺨﺪام ﺗﻘﻨﻴﺎت اﻟﺤﻔﺮ واﻟﺼﻘﻞ اﻟﻘﺪميﺔ‪ ،‬ﻣﺼﻨﻮﻋﺔ ﰲ ورش اﻟﴩﻛﺔ‬ ‫ﰲ ﺑﻮﻟﻨﺪا‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ميﻜﻦ ﺷﺤﻨﻬﺎ إﱃ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎمل‪ .‬ﻛام ﺗﻌﻤﻞ‬ ‫ﻳﻮﻧﻴﻚ وود دﻳﺰاﻳﻦ أﻳﻀﺎً ﻋﲆ ﺗﻨﻔﻴﺬ اﻟﺘﺼﺎﻣﻴﻢ اﳌﺨﺼﺼﺔ ﻷﺣﻮاض‬ ‫اﻻﺳﺘﺤامم ﻟﺘﺘﻨﺎﺳﺐ ﻣﻊ ﻛﻞ أﻧﻮاع اﻟﺘﺼﺎﻣﻴﻢ اﳌﻨﺰﻟﻴﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﺗﻠﻚ‬ ‫اﻟﺘﺼﺎﻣﻴﻢ اﻟﺼﻌﺒﺔ أو اﳌﻌﻘﺪة‪.‬‬

‫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 ‫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.‬‬

‫‪15‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫ﺣﺘﻰ اﻵن‪ ،‬ﻓﺈن ﻛﻠﻤﺔ 'ﺧﺰاﻧﺔ' ﺗﺠﻠﺐ إﱃ اﻷذﻫﺎن ﺻﻮرة ﺻﻨﺪوق ﻣﻌﺪين‬ ‫ﻋﺎدي ﻳﺒﻘﻲ اﳌﺘﻌﻠﻘﺎت اﻟﺸﺨﺼﻴﺔ وﻣﻘﺘﻨﻴﺎت اﻷﴎة اﻟﺜﻤﻴﻨﺔ آﻣﻨﺔ‪ .‬ﰲ‬ ‫ﺣني أن اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻨﺎس ﻳﻔﻀﻠﻮن اﻟﻮﺛﻮق ﰲ ﺧﺰاﺋﻦ اﻟﺒﻨﻚ ﻟﻠﺤﻔﺎظ‬ ‫ﻋﲆ أﻏﺮاﺿﻬﻢ اﻟﺜﻤﻴﻨﺔ‪ ،‬ﺑﺎﻟﻨﺴﺒﺔ ﻷوﻟﺌﻚ اﻟﺬﻳﻦ ﻳﺒﺤﺜﻮن ﻋﻦ ﺣﻞ ﻣامﺛﻞ‬ ‫ﰲ اﳌﻨﺰل‪ ،‬ﺧﺰاﺋﻦ ﺑﻨﺘﲇ اﻟﺠﺪﻳﺪة اﻟﺘﻲ أﻃﻠﻘﺘﻬﺎ ﺳﺘﻮﻛﻴﻨﻐﺮ ﺗﻌﺪ ﺳﻠﻌﺔ‬ ‫ﻓﺎﺧﺮة‪ ،‬ﺗﺠﻤﻊ ﺑني اﻟﺘﺼﻤﻴﻢ اﻷﻧﻴﻖ وأﻋﲆ ﻣﺴﺘﻮﻳﺎت اﻵﻣﺎن‪.‬‬ ‫ﺧﺰاﺋﻦ ﺳﺘﻮﻛﻴﻨﻐﺮ ﺗﺄيت ﻣﻊ ﻧﻈﺎم ﻗﻔﻞ ﺣﺎﺻﻞ ﻋﲆ ﺑﺮاءة اﺧﱰاع‪ ،‬واﻟﺬي‬ ‫ﻳﺘﻤﻴﺰ ﺑﺴﻬﻮﻟﺔ اﻻﺳﺘﺨﺪام ﻟﺘﻮﻓري ﺣﻞ آﻣﻦ ﻷﺻﺤﺎب اﻟﺨﺰاﺋﻦ‪ .‬ﺗﺘﻤﻴﺰ‬ ‫اﻟﺨﺰاﺋﻦ ﺑﻨﻈﺎم ﻗﻔﻞ آﱄ‪ ،‬إﱃ ﺟﺎﻧﺐ اﳌﻴﺰات اﻹﺿﺎﻓﻴﺔ اﻟﺘﻲ ﺗﻌﺰز أﻣﻨﻬﺎ‬ ‫ﻣﺜﻞ أﻗﻔﺎل رﺑﺎﻋﻴﺔ ﻓﻀﻼً ﻋﻦ ﻗﻔﻞ اﻟﻄﻮارئ اﻟﺬي ﻳﺘﻢ ﺗﻔﻌﻴﻠﻪ إذا ﺗﻢ‬ ‫إﺟﺮاء ﻣﺤﺎوﻟﺔ ﻟﻔﺘﺢ اﻟﺨﺰﻧﺔ ﺑﺎﻟﻘﻮة‪.‬‬ ‫ﰲ وﻗﺖ ﺳﺎﺑﻖ‪ ،‬ﻛﺎﻧﺖ اﻟﺨﺰاﺋﻦ اﳌﻨﺰﻟﻴﺔ ﺗﺼﻨﻊ ﻣﻦ اﻟﺨﺮﺳﺎﻧﺔ‪ ،‬ﻣام ﺟﻌﻠﻬﺎ‬ ‫ﺛﻘﻴﻠﺔ ﻟﻠﻐﺎﻳﺔ‪ .‬ﻫﺬه اﻟﺨﺰاﺋﻦ اﻟﺠﺪﻳﺪة ﻣﺼﻨﻮﻋﺔ ﻣﻦ اﻟﺒﻮﻟﻴﻤﺮات اﻟﺼﻠﺒﺔ‪،‬‬ ‫ﻣﻦ ﺧﻼل إﺗﺒﺎع ﺗﻘﻨﻴﺔ اﻟﺒﻨﺎء ﻣﺘﻌﺪد اﻟﺠﺪران اﻟﺬي ﻳﺠﻌﻠﻬﺎ أﺧﻒ وزﻧﺎً‪،‬‬ ‫دون اﻟﺘﺄﺛري ﻋﲆ آﻣﻨﻬﺎ‪ .‬ﺧﺰاﺋﻦ ﺑﻨﺘﲇ آﻣﻨﺔ وﻳﺴﺘﺤﻴﻞ اﺧﱰاﻗﻬﺎ ﺗﻘﺮﻳﺒﺎً‬ ‫وﻫﻲ ﻣﻦ ﺑني ﻣﻨﺘﺠﺎت ﻗﻠﻴﻠﺔ ﻣﺨﺘﺎرة ﰲ اﻟﻌﺎمل ﺣﺎﺻﻠﺔ ﻋﲆ اﻟﺘﺼﻨﻴﻒ‬ ‫اﻵﻣﻨﻲ ‪.VDS IV‬‬ ‫ﻣﺜﻞ ﻛﻞ ﻣﻨﺘﺠﺎت ﺑﻨﺘﲇ‪ ،‬ﺗﺄيت اﻟﺨﺰاﻧﺔ ﻣﻊ اﻟﻌﻼﻣﺔ اﻟﺘﺠﺎرﻳﺔ '‪ 'B‬ﻣﺰرﻛﺸﺔ‬ ‫ﻋﲆ ﻣﻘﺒﻀﻬﺎ اﻟﻨﺤﺎﳼ اﳌﺼﻘﻮل ﺑﺪﻗﺔ‪ .‬وميﻜﻦ أﻳﻀﺎ ﺗﺨﺼﻴﺺ اﻟﺘﺼﻤﻴﻢ‬ ‫اﻟﻨﺤﻴﻒ ﻣﻦ ﻫﺬه اﻟﺨﺰاﺋﻦ ﻣﻦ ﺧﻼل ﻋﻨﺎﴏ إﺿﺎﻓﻴﺔ ﻣﺜﻞ إﺳﺘﺨﺪام‬ ‫‪www.valoran.ae‬‬

‫اﻟﻠﻮن اﻟﺨﺎرﺟﻲ اﻟﺬي ﻳﻔﻀﻠﻪ اﻟﻌﻤﻴﻞ إﱃ ﺑﻄﺎﻧﺔ داﺧﻠﻴﺔ ﻣﻦ ﺟﻠﺪ اﻟﻐﺰال‬ ‫وﺣﺘﻰ ﻟﻮﺣﺔ ﻣﺤﻔﻮرة ﻋﲆ اﻟﺠﺎﻧﺐ اﻟﺪاﺧﲇ ﻣﻦ اﻟﺒﺎب‪ .‬اﻟﺴﻌﺮ اﻟﺪﻗﻴﻖ‬ ‫ﻟﻠﺨﺰاﻧﺔ اﻟﻔﺎﺧﺮة ﻳﺨﺘﻠﻒ وﻓﻘﺎً ﻟﻠﻤﻴﺰات اﳌﺨﺘﻠﻔﺔ ﺣﺴﺐ اﻟﻄﻠﺐ‪ ،‬وﻟﻜﻦ‬ ‫ﺗﻜﻮن اﻟﺘﻜﻠﻔﺔ اﻟﺘﻘﺮﻳﺒﻴﺔ ﰲ ﺣﺪود ‪ 170,000‬دوﻻر ﻟﻠﺨﺰاﻧﺔ اﻟﻮاﺣﺪة‪.‬‬

‫ﻟﻴﺲ ﻫﻨﺎك ﻣﻦ ﻳﻨﻜﺮ ﺣﻘﻴﻘﺔ أن اﻟﺨﺸﺐ ﻳﺠﻌﻞ ﻣﺴﺎﺣﺎت اﳌﻌﻴﺸﺔ‬ ‫أﻛرث ﺟامﻻً‪ ،‬ﻣﻊ إﺧﺘﻼف ﻣﻠﻤﺴﻬﺎ وأﻟﻮاﻧﻬﺎ اﻟﺘﻲ ﺗﻀﻔﻲ ﺟﻮا ً ﻣﺮﻳﺤﺎً‬ ‫وأﻧﻴﻘﺎً‪ .‬اﻵن‪ ،‬ﻳﻮﻧﻴﻚ وود دﻳﺰاﻳﻦ‪ ،‬ﻫﻲ ﴍﻛﺔ اﻟﻌﺎﺋﻠﺔ اﻟﺘﻲ ﺑﺪأت ﻃﺮﻳﻖ‬ ‫اﻟﻌﻮدة ﰲ ﻋﺎم ‪ 1979‬ﻟﺒﻨﺎء اﻟﻘﻮارب و اﻟﻴﺨﻮت‪ ،‬ﺗﺴﺘﺨﺪم ﺧﱪاﺗﻬﺎ ﻟﻐﺰو‬ ‫ﺻﻨﺎﻋﺔ أﺣﻮاض اﻻﺳﺘﺤامم و اﳌﺼﺎرف اﻟﺘﻲ ﺗﺠﻠﺐ دفء اﻟﺨﺸﺐ‬ ‫ﻟﻸﺛﺎث اﳌﻨﺰﱄ‪ .‬ﺑﺎﺳﺘﺨﺪام ﺧﱪﺗﻬﺎ اﻟﺘﻘﻨﻴﺔ ﰲ ﺑﻨﺎء اﻟﻘﻮارب واﻟﻴﺨﻮت‪،‬‬ ‫ﺗﺘﻤﺘﻊ أﺣﻮاض اﻹﺳﺘﺤامم ﺑﻌﺰل ﺣﺮاري ﻣﻤﺘﺎز‪ ،‬و أﻳﻀﺎ ﻣﺤﻜﻤﺔ ﺿﺪ‬ ‫اﳌﺎء ﺑﻌﻨﺎﻳﺔ‪ ،‬ﺑﻐﺾ اﻟﻨﻈﺮ ﻋﻦ ﻃﻮل اﻟﻔﱰة اﻟﺰﻣﻨﻴﺔ ﻟﻺﺳﺘﺤامم‪.‬‬ ‫ﻟﺪى اﻟﴩﻛﺔ ﻣﺠﻤﻮﻋﺘني ﻛﻼﺳﻴﻚ وﺗﻴﻮن‪ .‬ﺑﻴﻨام ﺗﺘﻤﺘﻊ أﺣﻮاض اﻹﺳﺘﺤامم‬ ‫ﰲ اﳌﺠﻤﻮﻋﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ مبﻤﻴﺰات اﻟﺘﺼﻤﻴﻢ اﳌﻌﺎﴏ واﳌﻌﺘﺪل اﻟﺬي‬ ‫ﻳﺠﻌﻠﻬﺎ ﺗﺸﺒﻪ اﻟﺠﻮارب ﺑﺪﻻ ﻣﻦ أﺣﻮاض اﻻﺳﺘﺤامم اﻟﺘﻘﻠﻴﺪﻳﺔ‪ ،‬ﻧﺠﺪ أن‬ ‫ﻣﺠﻤﻮﻋﺔ ﺗﻴﻮن ﻣﺴﺘﻮﺣﺎة ﻣﻦ اﻟﻴﺎﺑﺎﻧﻴﺔ وﺗﺘﻤﻴﺰ ﺑﺘﺼﺎﻣﻴﻢ ﺗﺠﻌﻠﻬﺎ ﺗﺒﺪو‬ ‫ﻛﺎﻟﺼﻨﺎدﻳﻖ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫‪2014‬‬ ‫ﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﻨﺨﻔﺾ ﺣﺠﻢ اﳌﺒﻴﻌﺎت واﻷﺳﻌﺎر ﰲ ﺳﻮق اﻟﻌﻘﺎرات‬ ‫اﻟﺴﻜﻨﻴﺔ ﰲ ﻫﻮﻧﻎ ﻛﻮﻧﻎ ﻣﻊ إﺳﺘﻤﺮار اﻟﺘﺪاﺑري اﻟﺘﻲ ﻳﺠﺮي ﺗﻨﻔﻴﺬﻫﺎ ﻣﻦ‬ ‫ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ ﻟﺘﻬﺪﺋﺔ اﻟﺴﻮق‪ .‬ﺑﺎﳌﻘﺎرﻧﺔ‪ ،‬ﺗﻄﻠﺐ اﻟﺼني ﺗﻄﺒﻴﻖ ﺗﺪاﺑري‬ ‫ﻃﻮﻳﻠﺔ اﻷﺟﻞ ﻟﺘﻬﺪﺋﺔ اﻟﺴﻮق‪.‬‬ ‫ﰲ ﻫﻮﻧﻎ ﻛﻮﻧﻎ‪ ،‬ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﻨﺨﻔﺾ ﻣﺒﻴﻌﺎت اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ‬ ‫إﱃ ﺣﻮاﱄ ‪ 50،000 - 45،000‬وﺣﺪة ﰲ اﻟﻌﺎم اﳌﻘﺒﻞ ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ‬ ‫‪ 53،000‬ﻫﺬا اﻟﻌﺎم و أﻛرث ﻣﻦ ‪ 80،000‬ﰲ ﻋﺎم ‪ .2012‬وﻓﻘﺎً ﻟﻨﺎﻳﺖ‬ ‫ﻓﺮاﻧﻚ‪ ،‬ﻗﺪ ﻳﻨﺨﻔﺾ إﺟامﱄ اﳌﺒﻴﻌﺎت إﱃ ﻣﺴﺘﻮﻳﺎت أﻗﻞ ﻣﻦ اﻹﻧﺨﻔﺎض‬ ‫اﻟﻘﻴﺎﳼ اﻟﺬي ﺣﺪث ﰲ ﻋﺎم ‪ 2003‬ﻋﻘﺐ ذﻋﺮ ﻓريوس اﻟﺴﺎرس‪.‬‬

‫ﰲ اﻟﺮﺑﻊ اﻟﺮاﺑﻊ ﻣﻦ ﻋﺎم ‪ ،2013‬ارﺗﻔﻌﺖ أﺳﻌﺎر اﻟﻌﻘﺎرات اﳌﻤﻴﺰة ﰲ‬ ‫اﺳﻜﺘﻠﻨﺪا ﺑﻨﺴﺒﺔ ‪ 0.3‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﻣﺴﺠﻠﺔ منﻮا ً ﻟﻠﺮﺑﻊ اﻟﺜﺎين ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫وﻓﻘﺎ ﻟﺒﻴﺎﻧﺎت ﻧﺎﻳﺖ ﻓﺮاﻧﻚ‪ ،‬ارﺗﻔﻊ ﻣﺘﻮﺳﻂ أﺳﻌﺎر اﻟﻌﻘﺎرات اﳌﻤﻴﺰة ﰲ‬ ‫اﺳﻜﺘﻠﻨﺪا ﺑﻨﺴﺒﺔ ‪ 1.6‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻨﺼﻒ اﻟﺜﺎين ﻣﻦ اﻟﻌﺎم‪ .‬ﰲ ﺣني ﻛﺎﻧﺖ‬ ‫اﻷﺳﻌﺎر ﻋﻤﻮﻣﺎً أﻗﻞ ﺑﻨﺴﺒﺔ ‪ 24‬ﰲ اﳌﺎﺋﺔ ﻣﻦ أﺳﻌﺎر اﻟﺬروة‪ ،‬ﺣﻴﺚ‬ ‫إرﺗﻔﻌﺖ أﺳﻌﺎر اﳌﻨﺎزل اﻟﺘﻲ ﺗﻘﺪر ﻗﻴﻤﺘﻬﺎ ﺑﺄﻗﻞ ﻣﻦ ﻣﻠﻴﻮن ﺟﻨﻴﻪ‬ ‫إﺳﱰﻟﻴﻨﻲ أﻳﻀﺎ ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 1.8‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬إﺧﺘﻠﻒ أداء اﻷﺳﻌﺎر ﰲ ﺟﻤﻴﻊ أﻧﺤﺎء اﺳﻜﺘﻠﻨﺪا ﰲ اﻟﺮﺑﻊ‬ ‫اﻷﺧري ﻣﻦ اﻟﻌﺎم‪ ،‬ﻣﻊ ﺳﺘﺔ ﻣﻨﺎﻃﻖ ﻣﻦ أﺻﻞ ﺳﺒﻌﺔ ﻣﻨﺎﻃﻖ رﺋﻴﺴﻴﺔ‬ ‫ﺳﺠﻠﺖ زﻳﺎدات أو ﺑﻘﻴﺖ دون ﺗﻐﻴري‪ .‬ﺷﻬﺪت اﳌﻨﻄﻘﺔ اﻟﻮﺳﻄﻰ أﻛﱪ‬ ‫ارﺗﻔﺎع ﺑﻨﺴﺒﺔ ‪ 1.3‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫ﺗﺤﻠﻴﻞ اﻟﺴﻮق ﻳﺸري إﱃ أﻧﻪ ﻋﲆ ﻣﺪى اﻷﺷﻬﺮ اﻟﺜﻼﺛﺔ اﳌﺎﺿﻴﺔ‪ ،‬ﻇﻬﺮ‬ ‫اﺗﺠﺎه أﻛرث إﻳﺠﺎﺑﻴﺔ‪ ،‬ﻣﻊ إرﺗﻔﺎع ﺣﺠﻢ اﳌﺒﻴﻌﺎت اﳌﺘﻔﻖ ﻋﻠﻴﻬﺎ ﺧﻼل‬ ‫اﻟﺮﺑﻊ اﻷﺧري ﺑﻨﺴﺒﺔ ‪ 10‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻧﻔﺲ اﻟﻔﱰة ﻣﻦ ﻋﺎم ‪.2012‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬إرﺗﻔﻊ ﻋﺪد اﻷﻓﺮاد اﳌﻬﺘﻤني ﺑﴩاء اﻟﻌﻘﺎرات‬ ‫اﻻﺳﻜﺘﻠﻨﺪﻳﺔ اﳌﻤﻴﺰة ﻓﻀﻼً ﻋﻦ زﻳﺎدة ﻋﺪد اﳌﻌﺎﻳﻨﺎت ﺑﻨﺴﺒﺔ ‪ 50‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻔﱰة ﻧﻔﺴﻬﺎ ﻣﻦ اﻟﻌﺎم اﳌﺎﴈ‪.‬‬

‫اﳌﺒﻴﻌﺎت اﻷوﻟﻴﺔ ﺳﻮف ﺗﻬﻴﻤﻦ ﻋﲆ اﻟﺴﻮق ﻧﻈﺮا ً ﻟﺤﺰم اﻟﻔﻮاﺋﺪ اﻟﺘﻲ‬ ‫ﻳﺘﻢ ﺗﻘﺪميﻬﺎ ﻟﺘﻌﻮﻳﺾ اﻟﺘﺒﺎﻃﺆ ﺑﺴﺒﺐ ﺗﺪاﺑري اﻟﺘﻬﺪﺋﺔ‪ .‬ﺳﻮف ﺗﺒﻘﻰ‬ ‫اﳌﺒﻴﻌﺎت اﻟﺜﺎﻧﻮﻳﺔ ﻏري ﻇﺎﻫﺮة ﰲ ﺣﺎل ﻛﺎﻧﺖ اﻟﻘﻴﻢ اﻷﺳﺎﺳﻴﺔ ﺗﺴﺎوي‬ ‫ﺗﻘﺮﻳﺒﺎ أو ﰲ ﺑﻌﺾ اﻟﺤﺎﻻت أﻗﻞ ﻣﻦ اﻷﺳﻌﺎر اﻟﺜﺎﻧﻮﻳﺔ‪ ،‬واﻟﺬي ﻳﺆدي إﱃ‬ ‫ﺧﻔﺾ أﺳﻌﺎر اﻟﻮﺣﺪات اﻟﺜﺎﻧﻮﻳﺔ اﳌﺤﻠﻴﺔ‪ .‬ﰲ ﺣني أن ﻏﺎﻟﺒﻴﺔ اﳌﺸﱰﻳﻦ‬ ‫ﻫﻢ ﻣﺴﺘﺨﺪﻣني ﻧﻬﺎﺋﻴني‪ ،‬ﻓﺈن اﳌﺴﺘﺜﻤﺮﻳﻦ ﻳﻌﻮدون أﻳﻀﺎ إﱃ اﻟﺴﻮق ﰲ‬ ‫ﻋﺎم ‪ .2014‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺮﺗﻔﻊ ﻧﺴﺒﺔ اﳌﺸﱰﻳﻦ اﻟﺼﻴﻨﻴني ﻣﻦ ‪ 5‬ﰲ‬ ‫اﳌﺎﺋﺔ اﻟﺤﺎﻟﻴﺔ إﱃ ‪ 10‬ﰲ اﳌﺎﺋﺔ‪ ،‬واﻟﺘﻲ ﺳﺘﻜﻮن أﻗﻞ ﺑﻜﺜري ﻣﻦ اﻟﻌﺎم‬ ‫اﳌﺎﴈ ﺣﻴﺚ ﺑﻠﻐﺖ اﻟﻨﺴﺒﺔ ‪ 35‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻣﻦ اﳌﺘﻮﻗﻊ أﻳﻀﺎ أن ﺗﺮﺗﻔﻊ‬ ‫ﻧﺴﺒﺔ اﳌﺸﱰﻳﻦ ﻣﻦ اﻟﴩﻛﺎت ﻣﻦ اﻟﻨﺴﺒﺔ اﻟﺤﺎﻟﻴﺔ ‪ 10‬ﰲ اﳌﺎﺋﺔ إﱃ ‪15‬‬ ‫ﰲ اﳌﺎﺋﺔ‪ ،‬وﻟﻜﻦ ﺳﺘﻈﻞ أﻗﻞ ﻣﻦ ﻣﺴﺘﻮى اﻟﺬروة ﰲ اﻟﻌﺎم اﳌﺎﴈ ﺣﻴﺚ‬ ‫ﺑﻠﻐﺖ ‪ 20‬إﱃ ‪ 30‬ﰲ اﳌﺎﺋﺔ‪.‬‬

‫‪13‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫ﺳﻮق اﻻﺳﻜﺎن ﰲ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة ﻳﻈﻬﺮ ﻋﻼﻣﺎت اﻻﻧﺘﻌﺎش اﳌﺴﺘﻤﺮ‬ ‫ﻣﻊ ﺣﻮاﱄ ‪ 5,146,565‬ﻣﻨﺰﻻً‪ ،‬مبﺎ ﰲ ذﻟﻚ ﻣﻨﺎزل اﻟﻌﺎﺋﻠﺔ اﻟﻮاﺣﺪة‪ ،‬ﻣﻨﺎزل‬ ‫اﻟﺒﻠﺪة واﻟﻮﺣﺪات اﻟﺴﻜﻨﻴﺔ‪ ،‬ﺑﻴﻌﺖ ﺳﻨﻮﻳﺎً اﻋﺘﺒﺎرا ً ﻣﻦ ﻧﻮﻓﻤﱪ ‪2013‬‬ ‫وﻓﻘﺎً ﻷﺣﺪث اﳌﻌﻠﻮﻣﺎت اﻟﺼﺎدرة ﻋﻦ رﻳﺎﻟﺘﻲ ﺗﺮاك‪ ،‬وﻫﻲ ﴍﻛﺔ ﺑﻴﺎﻧﺎت‬ ‫اﻹﺳﻜﺎن‪ .‬ﺑﻴﻨام ﻫﻲ ﻣﺠﺮد زﻳﺎدة ﺑﻨﺴﺒﺔ ‪ 1‬ﰲ اﳌﺎﺋﺔ ﻋﻦ ﺷﻬﺮ أﻛﺘﻮﺑﺮ ﻣﻦ‬ ‫ﻋﺎم ‪ ،2013‬إﻻ أن اﻟﺰﻳﺎدة اﻹﺟامﻟﻴﺔ ﻛﺎﻧﺖ ﺣﻮاﱄ ‪ 10‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ‬ ‫ﺑﺸﻬﺮ ﻧﻮﻓﻤﱪ ‪.2012‬‬ ‫ﰲ ‪ 18‬وﻻﻳﺔ‪ ،‬إﻧﺨﻔﺾ ﺣﺠﻢ اﳌﺒﻴﻌﺎت اﻟﺴﻨﻮﻳﺔ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺸﻬﺮ اﳌﺎﴈ‪،‬‬ ‫ﰲ ﺣني أن ﺣﺠﻢ اﳌﺒﻴﻌﺎت ﻗﺪ اﻧﺨﻔﺾ ﰲ ‪ 4‬وﻻﻳﺎت ﻣﻘﺎرﻧﺔ ﺑﺄرﻗﺎم اﻟﻌﺎم‬ ‫اﳌﺎﴈ‪ .‬ﻣﻦ ﺑني اﻟﻮﻻﻳﺎت اﻟﺘﻲ ﺷﻬﺪت اﻧﺨﻔﺎﺿﺎً ﻛﺎﻧﺖ وﻻﻳﺔ ﻛﺎﻟﻴﻔﻮرﻧﻴﺎ‬ ‫)‪ 14‬ﰲ اﳌﺎﺋﺔ(‪ ،‬أرﻳﺰوﻧﺎ )‪ 12‬ﰲ اﳌﺎﺋﺔ(‪ ،‬ﻧﻴﻔﺎدا )‪ 9‬ﰲ اﳌﺎﺋﺔ( ورود اﻳﻼﻧﺪ‬ ‫)‪ 4‬ﰲ اﳌﺎﺋﺔ(‪ 14 .‬ﻣﻦ أﻛﱪ اﳌﻨﺎﻃﻖ ﰲ اﻟﺒﻼد ﺷﻬﺪت اﻧﺨﻔﺎﺿﺎً ﰲ ﺣﺠﻢ‬ ‫اﳌﺒﻴﻌﺎت اﻟﺴﻨﻮﻳﺔ ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻌﺎم اﳌﺎﴈ‪ .‬وﺗﻀﻤﻨﺖ ‪ 7‬ﻣﻨﺎﻃﻖ ﰲ وﻻﻳﺔ‬ ‫ﻛﺎﻟﻴﻔﻮرﻧﻴﺎ‪ 2 ،‬ﰲ وﻻﻳﺔ ارﻳﺰوﻧﺎ و ‪ 2‬ﰲ ﻧﻴﻮﻳﻮرك‪ ،‬إﱃ ﺟﺎﻧﺐ ﻛﻮﻧﻴﺘﻴﻜﺖ‪،‬‬ ‫ﻻس ﻓﻴﺠﺎس‪ ،‬ﻧﻴﻮ ﻫﺎﻓﻦ‪ ،‬أورﻳﻐﻮن و ﺑﻮرﺗﻼﻧﺪ‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﺑﻠﻎ ﻣﺘﻮﺳﻂ أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ اﻟﺒﻼد )ﺳﻮاء‬ ‫اﳌﺘﻌرثة وﻏري اﳌﺘﻌرثة( إﱃ ‪ 169،000‬دوﻻر ﰲ ﻧﻮﻓﻤﱪ‪ ،‬واﻟﺬي ﻛﺎن‬ ‫ﻣﺮﺗﻔﻌﺎً ﺑﻨﺴﺒﺔ ‪ 1‬ﰲ اﳌﺎﺋﺔ ﰲ اﻛﺘﻮﺑﺮ وﺑﻨﺴﺒﺔ ‪ 7‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﺑﺸﻬﺮ‬ ‫ﻧﻮﻓﻤﱪ ‪ .2012‬وﻛﺎن ﻣﺘﻮﺳﻂ أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﻗﺪ ﻇﻞ ﰲ إرﺗﻔﺎع ﳌﺪة ‪19‬‬ ‫ﺷﻬﺮا ً ﻣﺘﺘﺎﻟﻴﺔ‪.‬‬ ‫وﻛﺎن اﳌﺴﺘﺜﻤﺮون واﳌﺸﱰون اﳌﺴﺎﻫﻤني اﻟﺮﺋﻴﺴﻴني ﻹﺗﺠﺎه اﻧﺘﻌﺎش‬ ‫‪www.valoran.ae‬‬

‫ﺳﻮق اﻹﺳﻜﺎن‪ .‬اﻟﺒﻨﻮك واﳌﻘﺮﺿﻮن ﻳﺴﺘﺨﺪﻣﻮن ﻫﺬه اﻟﻔﺮﺻﺔ ﻟﻠﺘﺨﻠﺺ‬ ‫ﻣﻦ ﺑﻌﺾ اﻟﻌﻘﺎرات اﳌﻤﻠﻮﻛﺔ أو اﳌﺮﻫﻮﻧﺔ ﻟﺪﻳﻬﻢ ﻣﻦ ﺧﻼل اﳌﺰادات‬ ‫اﻟﻌﻠﻨﻴﺔ‪ ،‬وﻟﻜﻦ ﻣﻊ إﺳﺘﻤﺮار ﻋﻤﻠﻴﺎت اﻟﺒﻴﻊ اﳌﺘﻌرثة ﻫﺬه‪ ،‬ﻓﺈن ﺣﺠﻢ‬ ‫اﳌﺒﻴﻌﺎت اﻹﺟامﻟﻴﺔ ﺳﻮف ﻳﺘﺒﺎﻃﺄ وﻳﺘﻮﻗﻊ أن ﻳﺴﺘﻤﺮ ﻫﻜﺬا ﺣﺘﻰ ﻳﻌﺮض‬ ‫اﳌﻼك اﻟﻐري ﻣﺘﻌرثﻳﻦ ﻋﻘﺎراﺗﻬﻢ ﻟﻠﺒﻴﻊ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻻﻳﺠﺎرات‬ ‫ﺗﺨﺘﻠﻒ أﺳﻌﺎر ﺑﻴﻊ وﺗﺄﺟري اﻟﻔﻴﻼت ﰲ اﳌﺠﻤﻊ اﺳﺘﻨﺎدا إﱃ اﳌﺠﻤﻮﻋﺔ‪،‬‬ ‫اﳌﻮﺿﻮع‪ ،‬اﳌﻮﻗﻊ واﻟﺤﺠﻢ‪.‬‬

‫ﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ ﺳﻌﺮ اﻹﻳﺠﺎر ﰲ ﺟﻤريا ﺑﺎرك ﺣﻮاﱄ ‪ 222,778‬درﻫﻢ‪.‬‬ ‫وﻳﱰاوح ﺑني ‪ 170،000‬درﻫﻢ ﻟﻠﻔﻴﻼت اﳌﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم إﱃ‬ ‫‪ 349،000‬درﻫﻢ ﻟﻠﻔﻴﻼت اﳌﻜﻮﻧﺔ ﻣﻦ ﺧﻤﺲ ﻏﺮف‪ .‬وﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ‬ ‫ﺳﻌﺮ اﻹﻳﺠﺎر ﻟﻠﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ ‪ 61‬درﻫﻢ‪.‬‬

‫ﻣﺘﻮﺳﻂ ﺳﻌﺮ ﺑﻴﻊ اﻟﻔﻴﻼت ﰲ اﳌﺠﻤﻊ ﻫﻮ ‪ 5,098,951‬درﻫﻢ‪ ،‬وﻳﻘﺪر‬ ‫أدىن ﺳﻌﺮ ﻟﻔﻴﻼ ﻣﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﺑﺤﻮاﱄ ‪ 3،550،000‬درﻫﻢ‬ ‫وأﻋﲆ ﺳﻌﺮ ﻟﻔﻴﻼ ﻓﺎﺧﺮة ﻣﻜﻮﻧﺔ ﻣﻦ ﺧﻤﺲ ﻏﺮف ﺣﻮاﱄ ‪8،200،000‬‬ ‫درﻫﻢ‪.‬‬

‫ﺑني اﻟﻔﻴﻼت اﳌﺘﻮﻓﺮة ﻟﻺﻳﺠﺎر‪ ،‬متﺜﻞ اﳌﻨﺎزل اﳌﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم‬ ‫ﺣﻮاﱄ ‪ 85‬ﰲ اﳌﺎﺋﺔ ﻣﻦ إﺟامﱄ اﻟﻮﺣﺪات‪ ،‬ﺑﻴﻨام متﺜﻞ اﳌﻨﺎزل اﳌﻜﻮﻧﺔ‬ ‫ﻣﻦ أرﺑﻊ ﻏﺮف ﻧﻮم وﺧﻤﺲ ﻏﺮف ﻧﻮم ﺣﻮاﱄ ‪ 15‬ﰲ اﳌﺎﺋﺔ ﻣﻌﺎً )‪ 7.5‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻟﻜﻞ ﻣﻨﻬام(‪.‬‬

‫أﺳﻌﺎر اﻟﺒﻴﻊ‬

‫وﺗﺒﻠﻎ ﻧﺴﺒﺔ اﻟﻔﻴﻼت اﳌﻜﻮﻧﺔ ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم ﺣﻮاﱄ ‪ 65‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ اﻟﻔﻴﻼت ﰲ اﳌﺠﻤﻊ اﻟﺴﻜﻨﻲ‪ ،‬ﰲ ﺣني متﺜﻞ اﻟﻔﻴﻼت اﳌﻜﻮﻧﺔ ﻣﻦ‬ ‫أرﺑﻊ ﻏﺮف ﻧﻮم وﺧﻤﺲ ﻏﺮف ﻧﻮم ﺣﻮاﱄ ‪ 23‬ﰲ اﳌﺎﺋﺔ و ‪ 12‬ﰲ اﳌﺎﺋﺔ‪،‬‬ ‫ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬

‫‪Average Rent Property Price‬‬ ‫‪Apartment‬‬

‫‪Average Sales Property Price‬‬ ‫‪Apartment‬‬

‫‪Villa‬‬ ‫‪222,778 AED‬‬

‫‪0 AED‬‬

‫‪Price Total‬‬ ‫‪222,778 AED‬‬

‫‪61 AED‬‬

‫‪5,098,951 AED‬‬

‫‪0 AED‬‬

‫‪Price Total‬‬

‫‪Price per sq-Ft‬‬

‫‪5,098,951 AED‬‬

‫‪Sales Property Price Range‬‬

‫‪Villa‬‬

‫‪Price per sq-Ft‬‬ ‫‪1,341 AED‬‬

‫‪Sales Property Price Range‬‬ ‫‪3,550,000 - 8,200,000 AED‬‬

‫‪170,000 - 349,900 AED‬‬

‫‪% Property by number of bedrooms‬‬

‫‪% Property by number of bedrooms‬‬ ‫‪Studio‬‬

‫‪Studio‬‬

‫‪1 Bed‬‬

‫‪1 Bed‬‬

‫‪2 Beds‬‬

‫‪2 Beds‬‬

‫‪3 Beds‬‬

‫‪3 Beds‬‬

‫‪4 Beds‬‬

‫‪4 Beds‬‬

‫‪5 Beds‬‬

‫‪5 Beds‬‬

‫‪6 Beds‬‬

‫‪6 Beds‬‬

‫‪11‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫دﻫﺎﻧﻬﺎ ﺑﺎﻷﻟﻮان اﻟﻄﺒﻴﻌﻴﺔ اﳌﻌﺰزة ﺑﺪﻳﻜﻮرات ﻣﻦ اﻟﺒﻼط اﻟﻔﺨﺎري‬ ‫اﳌﺴﺘﺨﺪم ﰲ رﺻﻒ و ﺗﻐﻄﻴﺔ اﻟﺠﺪران‪ .‬ﺑﻼط اﻟﻔﺴﻴﻔﺴﺎء اﻟﺰﺟﺎﺟﻲ ﻣﻊ‬ ‫ﳌﺴﺔ ﻓﺨﺎرﻳﺔ ﰲ ﻣﻨﻄﻘﺔ اﳌﻌﻴﺸﺔ وﺣامم ﺳﺒﺎﺣﺔ ﻟﻠﺤﻔﺎظ ﻋﲆ اﳌﻮﺿﻮع‬ ‫وإﺿﺎﻓﺔ ﻧﻈﺮة ﻓﺮﻳﺪة ﻣﻦ ﻧﻮﻋﻬﺎ ﻟﻬﺬه اﻟﻔﻴﻼت‪.‬‬ ‫اﻟﻔﻴﻼت اﻟﺘﻘﻠﻴﺪﻳﺔ ﺗﺘﻮﻓﺮ ﺑﺄرﺑﻊ ﻏﺮف ﻧﻮم أو ﺧﻤﺲ ﻏﺮف ﻧﻮم وﺗﺒﻠﻎ‬ ‫ﻣﺴﺎﺣﺘﻬﺎ اﻟﻜﻠﻴﺔ ﻣﺎ ﺑني ‪ 4851‬و ‪ 5479‬ﻗﺪم ﻣﺮﺑﻊ‪.‬‬

‫اﻟﻔﻴﻼت اﻹﻗﻠﻴﻤﻴﺔ‬

‫إﱃ ﺟﺎﻧﺐ ﻋﺪد ﻣﻦ اﳌﺤﺎل اﻟﺘﺠﺎرﻳﺔ اﻟﺘﻲ ﺗﻠﺒﻲ اﺣﺘﻴﺎﺟﺎت اﻟﺴﻜﺎن ﰲ‬ ‫اﳌﺠﻤﻊ اﻟﺴﻜﻨﻲ‪ ،‬إﻻ أن اﳌﻴﺰات اﻷﺧﺮى اﻟﺘﻲ ﺗﻌﺰز اﳌﻌﻴﺸﺔ اﻟﻔﺎﺧﺮة ﰲ‬ ‫ﻫﺬا اﻟﺘﺠﻤﻊ ﺗﺸﻤﻞ ﻣﺴﺎرات ﻣﺼﻤﻤﺔ ﺧﺼﻴﺼﺎً ﻟﻠﺮﻛﺾ وأﺧﺮى‬ ‫ﻟﻠﺪراﺟﺎت اﻟﻬﻮاﺋﻴﺔ واﻟﺘﻲ متﺮ ﺑﺎﻟﺤﺪاﺋﻖ‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك‬ ‫ﻣﻼﻋﺐ رﻳﺎﺿﻴﺔ‪ ،‬ﻣﻨﺎﻃﻖ ﻟﻌﺐ اﻷﻃﻔﺎل‪ ،‬ﻣﺮﻛﺰ اﻟﺮﻋﺎﻳﺔ اﻟﻨﻬﺎرﻳﺔ ﻟﻸﻃﻔﺎل‪،‬‬ ‫ﻣﺮﻛﺰ اﻟﺸﺒﺎب‪ ،‬اﻟﺤﻀﺎﻧﺔ‪ ،‬ﻧﺎدي‪ ،‬ﺻﺎﻟﺔ أﻟﻌﺎب رﻳﺎﺿﻴﺔ‪ ،‬ﺳﺎوﻧﺎ‪ ،‬ﺣامم‬ ‫ﺳﺒﺎﺣﺔ وﻣﺴﺠﺪ‪.‬‬

‫اﻟﻔﻴﻼت اﻹﻗﻠﻴﻤﻴﺔ ﻟﺪﻳﻬﺎ ﺑﻌﺾ اﳌﻴﺰات اﻟﺘﻲ ﺗﻌﺘﱪ ﻣامﺛﻠﺔ ﻟﺘﻠﻚ اﻟﺘﻲ‬ ‫ﺗﺘﻮاﻓﺮ ﰲ اﻟﻔﻴﻼت اﻟﱰاﺛﻴﺔ‪ .‬وﺗﺸﻤﻞ اﻟﻠﻤﺴﺔ اﻟﺰﺧﺮﻓﻴﺔ‪ ،‬اﻟﻨﻮاﻓﺬ اﳌﺰﺧﺮﻓﺔ‬ ‫واﻷﺑﻮاب اﻟﻔﺮﻧﺴﻴﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈن ﻣﻮﺿﻮﻋﻬﺎ ﻳﻌﺰز اﻟﱰاث‬ ‫اﻟﻐﻨﻲ ﻟﻠﺜﻘﺎﻓﺔ اﻟﻌﺮﺑﻴﺔ‪ .‬ﻣﺜﻞ اﳌﺠﻤﻮﻋﺎت اﻷﺧﺮى‪ ،‬ﻫﺬه اﻟﻔﻴﻼت ﺑﻬﺎ‬ ‫أﻳﻀﺎً ﺑﻼط زﺟﺎﺟﻲ وأمنﺎط ﻫﻨﺪﺳﻴﺔ ﻋﲆ اﻟﺴﻄﻮح اﻷﻓﻘﻴﺔ واﳌﻨﺎﻃﻖ‬ ‫اﳌﻌﺒﺪة‪ ،‬اﻟﺘﻲ متﺘﺰج متﺎﻣﺎً ﻣﻊ اﳌﻨﺎﻇﺮ اﻟﻄﺒﻴﻌﻴﺔ اﻟﺨﴬاء ﰲ ﺟﻤﻴﻊ‬ ‫أﻧﺤﺎء اﻟﴩﻓﺎت اﳌﺮﺻﻮﻓﺔ وﺣامﻣﺎت اﻟﺴﺒﺎﺣﺔ‪.‬‬

‫ﰲ ﺣني أن ﻣﺮﻛﺰ اﳌﺠﻤﻊ اﻟﺴﻜﻨﻲ ﺑﻪ ﻣﺘﺠﺮ ﻣﺘﻌﺪد اﻷﻗﺴﺎم ﻓﻀﻼً ﻋﻦ‬ ‫اﳌﺤﺎل اﻟﺘﺠﺎرﻳﺔ‪ ،‬إﻻ أن ﻗﺮﺑﻪ ﻣﻦ أﻓﻀﻞ ﻣﺮاﻛﺰ اﻟﺘﺴﻮق واﻟﱰﻓﻴﻪ وﺗﻨﺎول‬ ‫اﻟﻄﻌﺎم ﰲ ديب ﰲ ﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ‪ ،‬ﻣﻮل ﻟﺆﻟﺆة ديب وديب ﻣﺎرﻳﻨﺎ ﻣﻮل‬ ‫ميﺜﻞ راﺣﺔ إﺿﺎﻓﻴﺔ ﻟﺴﻜﺎﻧﻪ‪ .‬وﺑﺎﻻﺿﺎﻓﺔ اﱃ ﻫﺬا‪ ،‬ﺗﺘﻮﻓﺮ ﻟﻠﺴﻜﺎن اﳌﺪارس‬ ‫اﻟﺠﻴﺪة واﻟﻘﺮﻳﺒﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﻣﺪرﺳﺔ ديب اﻟﱪﻳﻄﺎﻧﻴﺔ‪ ،‬ﻣﺪرﺳﺔ دﻟﻬﻲ‬ ‫اﻟﻌﺎﻣﺔ‪ ،‬ﻣﺪرﺳﺔ اﻹﻣﺎرات اﻟﺪوﻟﻴﺔ‪ ،‬ﻣﺪرﺳﺔ رﻳﺠﻨﺖ اﻟﺪوﻟﻴﺔ و ﻣﺪرﺳﺔ‬ ‫وﻳﻨﺸﺴﱰ‪.‬‬

‫ﺗﺘﻮﻓﺮ ﺑﺄرﺑﻊ ﻏﺮف ﻧﻮم أو ﺧﻤﺲ ﻏﺮف ﻧﻮم وﺗﺒﻠﻎ ﻣﺴﺎﺣﺘﻬﺎ اﻟﻜﻠﻴﺔ ﻣﺎ‬ ‫ﺑني‪ 5071‬و ‪ 5449‬ﻗﺪم ﻣﺮﺑﻊ‪.‬‬

‫ﻛام ﻳﺴﻬﻞ أﻳﻀﺎ وﺻﻮل ﺳﻜﺎن ﺟﻤريا ﺑﺎرك إﱃ ﻣﺆﺳﺴﺎت اﻟﺮﻋﺎﻳﺔ‬ ‫اﻟﺼﺤﻴﺔ واﳌﺴﺘﺸﻔﻴﺎت اﻟﺸﻬرية ﻣﺜﻞ ﻣﺴﺘﺸﻔﻰ ﺟﺒﻞ ﻋﲇ‪ ،‬ﻣﺮﻛﺰ اﻟﺤﻴﺎة‬ ‫اﻟﻄﺒﻲ وﻣﺴﺘﺸﻔﻰ وﻳﻠﻜري اﻹﺳﻌﺎﻓﻴﺔ‪.‬‬

‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺟﻤريا ﺑﺎرك ﻫﻮ ﻣﴩوع ﻓﻴﻼت ﻣﻦ ﻗﺒﻞ ﴍﻛﺔ ﻧﺨﻴﻞ اﻟﻌﻘﺎرﻳﺔ‪ .‬ﻣﻊ‬ ‫ﻣﻮﻗﻌﻪ اﳌﺮﻣﻮق ﰲ ﻗﻠﺐ اﳌﺪﻳﻨﺔ وﺳﻬﻮﻟﺔ اﻟﻮﺻﻮل إﱃ ﺑﻌﺾ اﳌﺒﺎين‬ ‫اﻟﺮﺋﻴﺴﻴﺔ اﻟﺴﻜﻨﻴﺔ واﻟﺘﺠﺎرﻳﺔ ﻣﺜﻞ ﻃﺮﻳﻖ اﻟﺸﻴﺦ زاﻳﺪ‪ ،‬ﺟﺒﻞ ﻋﲇ وﻣﻮل‬ ‫اﻹﻣﺎرات‪ ،‬ديب ﻣﺎرﻳﻨﺎ‪ ،‬أﺑﺮاج ﺑﺤريات اﻟﺠﻤريا‪ ،‬ﻳﻌﺪ اﳌﴩوع اﻟﺬي ﺗﻘﺪر‬ ‫ﻗﻴﻤﺘﻪ ﺑﺤﻮاﱄ ‪ 1.5‬ﻣﻠﻴﻮن دوﻻر أﻣﺮﻳيك أﺣﺪ أﻫﻢ اﻟﺘﻄﻮرات اﻟﻌﻘﺎرﻳﺔ‬ ‫ﰲ ديب‪ .‬اﳌﺠﻤﻊ اﻟﺴﻜﻨﻲ ﺑﻪ ﻣﺠﻤﻮﻋﺎت ﻣﻦ ﺣﻮاﱄ ‪ 2000‬ﻓﻴﻼ ﻣﻮزﻋﺔ‬ ‫ﻋﲆ ‪ 370‬ﻫﻜﺘﺎر‪ .‬وﺗﺤﻴﻂ ﺑﻜﻞ ﻣﺠﻤﻮﻋﺔ اﻟﺨﴬة ووﺳﺎﺋﻞ اﻟﺮاﺣﺔ‪ ،‬ﻣام‬ ‫ﻳﺠﻌﻠﻪ ﻣﺜﺎﻟﻴﺎ ﻟﻠﺤﻴﺎة اﻷﴎﻳﺔ‪.‬‬

‫اﻟﻔﻴﻼت اﻟﱰاﺛﻴﺔ‬ ‫اﻟﻔﻴﻼت اﻟﱰاﺛﻴﺔ أﻧﻴﻘﺔ وذات ﻣﻴﺰات ﻣﺘﻤﻴﺰة ﺗﺸﻤﻞ اﻟﺰﺧﺎرف‪ ،‬اﻷمنﺎط‬ ‫ﻫﻨﺪﺳﻴﺔ واﻷﺑﻮاب ﻓﺮﻧﺴﻴﺔ‪ .‬ﺗﺴﺘﺨﺪم ﻫﺬه اﳌﺠﻤﻮﻋﺔ اﻷﻟﻮان اﻟﻄﺒﻴﻌﻴﺔ‬ ‫ﻋﲆ اﳌﻨﻄﻘﺔ اﳌﻌﺒﺪة اﻟﺘﻲ ﺗﻜﻤﻠﻬﺎ اﻟﻌﻨﺎﴏ اﻟﺘﻘﻠﻴﺪﻳﺔ ﻋﲆ اﻟﺴﻄﻮح‬ ‫اﻟﻌﻤﻮدﻳﺔ ﻣﻦ اﻟﻔﻴﻼت‪ .‬اﻷﻟﻮان اﳌﺤﺎﻳﺪة ﻟﻬﺬه اﳌﻨﺎزل ﰲ ﺗﻨﺎﻗﺾ ﺻﺎرخ‬ ‫ﻣﻊ اﻷﻟﻮان اﳌﴩﻗﺔ اﻟﺒﺪﻳﻌﺔ ﻟﻠﻤﺴﺎﺣﺎت اﻟﺨﴬاء اﳌﺤﻴﻄﺔ ﺑﻬﺎ‪ ،‬اﳌﻌﺰزة‬ ‫ﺑﺎﻟﻔﺴﻴﻔﺴﺎء اﳌﻠﻮﻧﺔ اﳌﺴﺘﺨﺪﻣﺔ ﰲ ﺧﺼﺎﺋﺺ اﳌﻴﺎه‪.‬‬ ‫ﺟﻤﻴﻊ اﻟﻔﻴﻼت اﻟﱰاﺛﻴﺔ ﻓﺴﻴﺤﺔ وﺑﻬﺎ ﺛﻼث ﻏﺮف ﻧﻮم‪ ،‬وﻳﻘﻊ ﻛﻞ ﻣﻨﺰل‬ ‫ﻋﲆ ﻣﺴﺎﺣﺔ إﺟامﻟﻴﺔ ﻗﺪرﻫﺎ ‪ 3997‬ﻗﺪم ﻣﺮﺑﻊ‪.‬‬

‫ﺑﻨﻴﺖ اﻟﻔﻴﻼت ﺣﻮل ﺛﻼﺛﺔ ﻣﻮاﺿﻴﻊ ﻓﺮﻳﺪة ﻣﻦ ﻧﻮﻋﻬﺎ ‪ -‬اﻟﱰايث‪ ،‬اﻟﺘﻘﻠﻴﺪي‬ ‫واﻹﻗﻠﻴﻤﻲ‪ .‬وﻳﻀﻢ اﳌﺠﻤﻊ ﻣﺰﻳﺠﺎً ﻣﻦ اﻟﻔﻴﻼت ذات ﺛﻼث‪ ،‬أرﺑﻊ وﺧﻤﺲ‬ ‫ﻏﺮف ﻧﻮم ﺑﻬﺎ ﴍﻓﺎت وﻣﻮاﻗﻒ ﻟﻠﺴﻴﺎرات‪ .‬ﺟﻤﻴﻊ اﳌﻨﺎزل ﺑﻬﺎ ﻣﻮﻗﻒ‬ ‫ﻟﻠﺴﻴﺎرات وﻓﻨﺎء ﺧﻠﻔﻲ ﻛﺒري‪ ،‬ﻣام ﻳﻌﺰز ﻣﻔﻬﻮم اﻟﺤﻴﺎة اﻷﴎﻳﺔ‪.‬‬

‫اﻟﻔﻴﻼت اﻟﺘﻘﻠﻴﺪﻳﺔ‬ ‫ﻫﺬه اﻟﻔﻴﻼت ﻟﻬﺎ ﻧﻮاﻓﺬ ﻣﺰﺧﺮﻓﺔ ﻣﻘﱰﻧﺔ ﺑﺎﻷﺳﻘﻒ اﻟﺘﻘﻠﻴﺪﻳﺔ اﳌﺰﻳﻨﺔ‬ ‫ﺑﺎﻟﺒﻼط اﻟﻔﺨﺎري اﻟﺘﻲ ﺗﻌﻄﻲ ﺷﻌﻮرا ﻛﻼﺳﻴﻜﻴﺎً ﻟﻠﺸﻜﻞ اﻟﺨﺎرﺟﻲ‪ .‬وﻳﺘﻢ‬

‫‪9‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫ﺣﺎﻟﻴﺎً‪ ،‬ﺗﺒﺤﺚ ﻃريان اﻹﺗﺤﺎد ﰲ ﺟﺪوى اﻻﺳﺘﺜامر ﰲ اﻟﻴﻄﺎﻟﻴﺎ ﺳﺒﺎ ﻣﻦ‬ ‫ﻋﺪﻣﻪ‪ ،‬ﴍﻛﺔ اﻟﻄريان اﻟﻮﻃﻨﻴﺔ اﳌﺘﻌرثة ﰲ إﻳﻄﺎﻟﻴﺎ‪ .‬وﺗﺸﻤﻞ اﻻﺳﺘﺜامرات‬ ‫اﻷﺧﺮى ﻣﺆﺧﺮا ً اﻟﺤﺼﻮل ﻋﲆ ﺣﺼﺔ ‪ 24‬ﰲ اﳌﺎﺋﺔ ﰲ ﴍﻛﺔ ﺟﺖ اﻳﺮواﻳﺰ‬ ‫)اﻟﻬﻨﺪ(‪ ،‬واﺣﺪة ﻣﻦ أﻛﱪ ﴍﻛﺎت اﻟﻄريان ﰲ اﻟﻬﻨﺪ‪ ،‬وﺣﺼﻮﻟﻬﺎ ﰲ ﻋﺎم‬ ‫‪ 2011‬ﻋﲆ ﻧﺴﺒﺔ ‪ 29.2‬ﰲ اﳌﺎﺋﺔ ﰲ ﻃريان ﺑﺮﻟني‪ ،‬ﺛﺎين أﻛﱪ ﴍﻛﺔ ﻃريان‬ ‫ﰲ أﳌﺎﻧﻴﺎ‪ 33.3 ،‬ﰲ اﳌﺎﺋﺔ ﰲ ﻃريان داروﻳﻦ‪ ،‬ﴍﻛﺔ اﻟﻄريان اﻹﻗﻠﻴﻤﻲ‬ ‫اﻟﺴﻮﻳﴪﻳﺔ اﻟﺘﻲ ﺳﻮف ﻳﺘﻢ ﺗﺼﻨﻴﻔﻬﺎ ﺑﺈﻋﺘﺒﺎرﻫﺎ ﻃريان اﻻﺗﺤﺎد اﻹﻗﻠﻴﻤﻲ‪،‬‬ ‫و ‪ 3‬ﰲ اﳌﺎﺋﺔ ﰲ ﴍﻛﺔ اﻟﻄريان اﻟﻮﻃﻨﻴﺔ ﰲ اﻳﺮﻟﻨﺪا‪ ،‬آﻳﺮ ﻟﻴﻨﻐﻮس ﻏﺮوب‬ ‫‪.PLC‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻟﺪﻳﻬﺎ اﺳﺘﺜامرات ﰲ ﻃريان ﺳﻴﺸﻴﻞ وﻃريان ﴏﺑﻴﺎ‪،‬‬ ‫اﻟﻠﺘني وﻓﻘﺎً ﳌﺴﺆوﱄ اﻟﴩﻛﺘني‪ ،‬ﺗﺄﺳﺴﺘﺎ ﻣﻦ ﻗﺒﻞ ﺣﻜﻮﻣﺔ أﺑﻮﻇﺒﻲ‪.‬‬

‫‪2013‬‬ ‫ﺳﺠﻞ ﻗﻄﺎع اﻟﺴﻴﺎﺣﺔ ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻋﺪدا ً ﻣﻦ‬ ‫اﻹﻧﺠﺎزات اﻟﻬﺎﻣﺔ ﰲ ﻋﺎم ‪ ،2013‬ﻣﻦ ﺑﻴﻨﻬﺎ أن أﺻﺒﺤﺖ اﻹﻣﺎرات ﻣﻘﺼﺪا ً‬ ‫رﺋﻴﺴﻴﺎ ﻟﻠﺴﻴﺎﺣﺔ واﻟﱰﻓﻴﻪ‪ ،‬إﱃ ﺟﺎﻧﺐ ﺳﻴﺎﺣﺔ "زﻳﺎرة اﻷﺻﺪﻗﺎء واﻷﻗﺎرب"‬

‫‪www.valoran.ae‬‬

‫)‪ .(VFR‬ﺧﻼل اﻷﺷﻬﺮ اﻟﺘﺴﻌﺔ اﻷوﱃ ﻣﻦ اﻟﻌﺎم‪ ،‬ارﺗﻔﻊ ﻋﺪد اﻟﺰوار‬ ‫اﻟﻘﺎدﻣني إﱃ ديب ﺑﻨﺴﺒﺔ ‪ 9.8‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ اﻟﻔﱰة ﻧﻔﺴﻬﺎ ﻣﻦ‬ ‫ﻋﺎم ‪ ،2012‬وﻣﺎ ﻣﺠﻤﻮﻋﻪ ‪ 7.9‬ﻣﻠﻴﻮن زاﺋﺮ ﻣﺴﺠﻞ‪.‬‬ ‫ﺷﻬﺪ ﻋﺎم ‪ 2013‬أﻳﻀﺎ إﻓﺘﺘﺎح ﻋﺪدا ً ﻣﻦ اﻟﻔﻨﺎدق اﻟﺠﺪﻳﺪة ﰲ ديب‪ ،‬مبﺎ ﰲ‬ ‫ذﻟﻚ ﻓﻨﺪق ﺟﻲ دﺑﻠﻴﻮ ﻣﺎرﻳﻮت ﻣﺎرﻛﻴﺰ‪ ،‬ﻛﻮﻧﺮاد‪ ،‬ﻓﻨﺪق ﻧﻮﻓﻮﺗﻴﻞ اﻟﱪﺷﺎ‬ ‫وأوﺑﺮوي‪ .‬وﻓﻘﺎ ﻟﺪاﺋﺮة اﻟﺴﻴﺎﺣﺔ و اﻟﺘﺴﻮﻳﻖ اﻟﺘﺠﺎري ﰲ ديب ﻳﺘﻮﻗﻊ أن‬ ‫ﻳﻀﺎف ‪ 35‬ﻓﻨﺪﻗﺎً إﺿﺎﻓﻴﺎً ﺑﺤﻠﻮل ﻋﺎم ‪.2015‬‬ ‫ﺗﺰاﻳﺪت ﰲ إﻣﺎرة أﺑﻮﻇﺒﻲ اﳌﺠﺎورة أﻳﻀﺎ ﺧﻴﺎرات اﻟﺘﺴﻠﻴﺔ واﻟﱰﻓﻴﻪ‬ ‫ﻟﻠﺰوار‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ﻳﺎس ووﺗﺮ وورﻟﺪ‪ ،‬اﻟﺬي اﻓﺘﺘﺢ ﰲ ﻋﺎم ‪ ،2012‬ﻣﻦ‬ ‫اﳌﺘﻮﻗﻊ اﻓﺘﺘﺎح اﻟﻠﻮﻓﺮ ﰲ أﺑﻮﻇﺒﻲ ﰲ اﻟﺤﻲ اﻟﺜﻘﺎﰲ ﰲ ﺟﺰﻳﺮة اﻟﺴﻌﺪﻳﺎت‬ ‫ﰲ ﻋﺎم ‪ 2015‬وﻣﺘﺤﻒ زاﻳﺪ اﻟﻮﻃﻨﻲ ﰲ ﻋﺎم ‪ .2016‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪،‬‬ ‫أﺻﺒﺤﺖ اﻟﺸﺎرﻗﺔ أﻛرث ﺷﻌﺒﻴﺔ ﻛﻤﺮﻛﺰ دﻳﻨﻲ وﺛﻘﺎﰲ‪ ،‬ﰲ ﺣني ﺗﻘﻮم‬ ‫اﻟﻔﺠرية ورأس اﻟﺨﻴﻤﺔ ﺑﺈﻋﺎدة إﻛﺘﺸﺎف ﻧﻔﺴﻴﻬﺎ ﻛﻮﺟﻬﺘني ﻟﻠﺜﻘﺎﻓﺔ‬ ‫واﻟﱰاث‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﻋﲆ اﻟﺴﻴﺎﺳﺎت اﳌﴫﻓﻴﺔ‪ ،‬و ﻛﺎن ﻳﻠﺰم ﻋﲆ اﻟﻌﻤﻼء ﺗﺴﺠﻴﻞ ﻣﻌﺎﻣﻼﺗﻬﻢ‬ ‫ﻣﻊ داﺋﺮة اﻷراﴈ واﻷﻣﻼك ﰲ ﻏﻀﻮن ذﻟﻚ اﻟﻮﻗﺖ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﺑﺪءا ً ﻣﻦ‬ ‫‪ 28‬دﻳﺴﻤﱪ‪ ،‬ﻓﺈن ﻫﺬه اﳌﻮاﻓﻘﺎت اﳌﺒﺪﺋﻴﺔ ﺳﻮف ﺗﻌﺘﱪ ﻻﻏﻴﺔ‪.‬‬ ‫وﻓﻘﺎً ﻟﻠﻮاﺋﺢ اﻟﺘﻤﻮﻳﻞ اﻟﻌﻘﺎري اﻟﺠﺪﻳﺪ ﻣﻦ ﻣﴫف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﳌﺘﺤﺪة اﳌﺮﻛﺰي‪ ،‬ميﻜﻦ ﻟﻠﺒﻨﻮك إﺻﺪار ﻗﺮوض ﺗﺼﻞ إﱃ ‪ 80‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﳌﻮاﻃﻨﻲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬ﰲ ﺣني ﺗﻢ‬ ‫ﺗﻌﻴني ﻧﺴﺒﺔ ‪ 75‬ﰲ اﳌﺎﺋﺔ ﻟﻠﻤﻐﱰﺑني‪ .‬ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻤﻮاﻃﻨني اﻟﺬﻳﻦ ﻳﻄﻠﺒﻮن‬ ‫اﻟﺤﺼﻮل ﻋﲆ ﻗﺮوض ﻟﴩاء اﻟﻌﻘﺎرات أو اﻻﺳﺘﺜامرات اﻟﺜﺎﻧﻮﻳﺔ‪ ،‬ﻳﻜﻮن‬ ‫اﻟﺤﺪ اﻷﻗﴡ ﻟﻠﻘﺮض ‪ 65‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ .‬ﰲ ﺣﺎﻟﺔ ﴍاء ﻣﻨﺰل‬ ‫ﺛﺎﻧﻮي ﻣﻦ ﻗﺒﻞ اﻟﻌامﻟﺔ اﻟﻮاﻓﺪة‪ ،‬ﻳﺘﻢ ﺗﻮﻓري اﻟﺤﺪ اﻷﻗﴡ ﺑﻨﺴﺒﺔ ‪ 60‬ﰲ‬ ‫اﳌﺌﺔ ﻣﻦ ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﰲ ﺷﻜﻞ ﻗﺮوض‪ .‬وﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﳌﺸﺎرﻳﻊ ﺧﺎرج‬ ‫اﻟﺨﻄﺔ‪ ،‬ﻳﺘﻢ ﺗﻌﻴني اﻟﺤﺪ اﻷﻗﴡ ﻟﻠﺮﻫﻦ اﻟﻌﻘﺎري ﺑﻨﺴﺒﺔ ‪ 50‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ ،‬ﺑﻐﺾ اﻟﻨﻈﺮ ﻋﻦ اﻟﻐﺮض ﻣﻦ اﻟﴩاء أو ﻧﻮع اﳌﺸﱰي‪.‬‬ ‫وﺗﻬﺪف اﻟﻘﻮاﻋﺪ اﻟﺠﺪﻳﺪة إﱃ ﺗﻮﺣﻴﺪ إﺟﺮاءات اﻟﺮﻫﻦ اﻟﻌﻘﺎري ﻋﱪ‬ ‫اﻟﺒﻨﻮك‪ ،‬ﺑﻌﺪ أن ﻛﺎﻧﺖ ﻫﻨﺎك ﺗﻘﺎرﻳﺮ ﻣﻦ ﺑﻌﺾ اﻟﺒﻨﻮك ﺗﺸري إﱃ ﺗﻮﻓري‬ ‫ﻣﺎ ﻳﺼﻞ ﻣﻦ ‪ 85‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﻟﺘﻤﻮﻳﻞ ﴍاء اﳌﻨﺎزل‪ .‬وﻓﻘﺎ‬ ‫ﻟﻠﺒﻴﺎن اﻟﺼﺎدر ﻋﻦ رﺋﻴﺲ إﺗﺤﺎد اﻟﺒﻨﻮك ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﳌﺘﺤﺪة‪ ،‬ﺳﻮف ﺗﻔﺮض ﻋﻘﻮﺑﺎت ﻋﲆ اﻟﺒﻨﻮك وﻛﺬﻟﻚ ﻣﻮﻇﻔﻴﻬﺎ‪ ،‬ﰲ ﺣﺎل‬ ‫ﻋﺪم إﻟﺘﺰاﻣﻬﻢ ﺑﺄﺣﻜﺎم ﻗﻮاﻋﺪ اﻟﺘﻤﻮﻳﻞ اﻟﻌﻘﺎري اﻟﺠﺪﻳﺪ‪.‬‬

‫ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﻌﴩ اﳌﺎﺿﻴﺔ‪ ،‬اﺷﱰت ﻃريان اﻹﺗﺤﺎد ﺣﺼﺼﺎً ﰲ‬ ‫ﺳﺒﻊ ﴍﻛﺎت ﻃريان أﺟﻨﺒﻴﺔ ﻣﻦ ﻣﺨﺘﻠﻒ أﻧﺤﺎء اﻟﻌﺎمل‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫أﺳﱰاﻟﻴﺎ وأﻳﺮﻟﻨﺪا‪ .‬و اﻟﻬﺪف ﻣﻦ ذﻟﻚ ﻫﻮ زﻳﺎدة ﺣﺮﻛﺔ اﳌﺮور و اﻧﺨﻔﺎض‬ ‫ﺗﻜﺎﻟﻴﻒ اﻟﺘﺸﻐﻴﻞ ﻋﲆ ﺷﺒﻜﺘﻬﺎ اﻟﺨﺎﺻﺔ‪ ،‬دون اﻟﺤﺎﺟﺔ ﻟﴩاء ﻣﺌﺎت‬ ‫اﻟﻄﺎﺋﺮات اﻟﻼزﻣﺔ ﻣﻦ أﺟﻞ ﺗﻮﺳﻴﻊ ﺷﺒﻜﺘﻬﺎ ﻋﲆ اﻟﺼﻌﻴﺪ اﻟﻌﺎﳌﻲ‪.‬‬ ‫ﰲ اﳌﺎﴈ‪ ،‬ﻛﺎﻧﺖ اﻟﻌﺪﻳﺪ ﻣﻦ ﴍﻛﺎت اﻟﻄريان اﻷوروﺑﻴﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫اﻟﺨﻄﻮط اﻟﺠﻮﻳﺔ اﻟﱪﻳﻄﺎﻧﻴﺔ واﻟﺨﻄﻮط اﻟﺪوﻳﺔ اﻹﺳﻜﻨﺪﻧﺎﻓﻴﺔ ﺗﺤﺎول‬ ‫اﺳﱰاﺗﻴﺠﻴﺔ ﻣامﺛﻠﺔ ﻟﻠﺘﻮﺳﻊ وﺗﻠﻐﻴﻬﺎ ﰲ وﻗﺖ ﻻﺣﻖ ﻋﻨﺪﻣﺎ ﻳﺘﺒني ﻋﺪم‬ ‫ﻧﺠﺎﺣﻬﺎ‪ .‬ﰲ اﻟﻌﺎم اﳌﺎﴈ ﻓﻘﻂ ﻗﺎﻣﺖ اﻟﺨﻄﻮط اﻟﺠﻮﻳﺔ اﻟﺴﻨﻐﺎﻓﻮرﻳﺔ‪،‬‬ ‫ﺑﻌﺪ ﴍاﻛﺔ اﺳﺘﻤﺮت ‪ 14‬ﻋﺎﻣﺎ‪ ،‬ﺑﺎﻟﺘﺨﲇ ﻋﻦ ﺣﺼﺔ ‪ 49‬ﰲ اﳌﺎﺋﺔ اﻟﺘﻲ‬ ‫ﻛﺎﻧﺖ ﻗﺪ ﺣﺼﻠﺖ ﻋﻠﻴﻬﺎ ﰲ ﻓريﺟني أﺗﻼﻧﺘﻴﻚ‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﻗﺎل اﻟﺮﺋﻴﺲ اﻟﺘﻨﻔﻴﺬي ﻟﻄريان اﻹﺗﺤﺎد ﺟﻴﻤﺲ ﻫﻮﻏﻦ أن‬ ‫ﻧﻬﺞ ﻃريان اﻹﺗﺤﺎد ﺳﻮف ﻳﻜﻮن ﻣﺨﺘﻠﻔﺎً ﺣﻴﺚ أﻧﻬﻢ ﻳﺴﺘﺜﻤﺮون ﰲ‬ ‫ﴍﻛﺎت اﻟﻄريان ذات اﻹدارة اﻟﻘﻮﻳﺔ‪ ،‬و اﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺸﻐﻞ‬ ‫منﺎذﺟﻬﺎ اﻟﺘﺠﺎرﻳﺔ اﻟﺨﺎﺻﺔ ﺑﻬﺎ‪ ،‬واﻟﺬي ﻣﻦ ﺷﺄﻧﻪ ﺗﺤﻘﻴﻖ اﻟﻔﺎﺋﺪة ﻟﺼﺎﻟﺢ‬ ‫ﻃريان اﻹﺗﺤﺎد‪.‬‬

‫‪7‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫‪100‬‬

‫‪2013‬‬

‫اﻋﺘﺒﺎرا ً ﻣﻦ ‪ 25‬دﻳﺴﻤﱪ ‪ ،2013‬إرﺗﻔﻊ ﻣﺆﴍ اﻷﺳﻬﻢ اﻟﺮﺋﻴﴘ ﰲ ديب‬ ‫ﺑﻨﺴﺒﺔ ‪ 100‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﻌﺎم ﻋﲆ اﺳﺎس ﺳﻨﻮى ﻛام ارﺗﻔﻌﺖ أﺳﻬﻢ‬ ‫اﻟﴩﻛﺎت اﻟﻌﻘﺎرﻳﺔ واﻟﺒﻨﻮك ﺑﺴﺒﺐ ﴍاء اﳌﺴﺘﺜﻤﺮﻳﻦ ﻟﻬﺬه اﻷﺳﻬﻢ‬ ‫ﻟﺘﺤﺪﻳﺪ أرﺑﺎح اﻟﻌﺎم ﺑﺄﻛﻤﻠﻪ‪ .‬وارﺗﻔﻊ ﻣﺆﴍ ديب ‪ 1.3‬ﰲ اﳌﺎﺋﺔ ﻟﻴﻐﻠﻖ‬ ‫ﻋﻨﺪ أﻋﲆ ﻣﺴﺘﻮى ﻟﻪ ﻣﻨﺬ ﻋﺎم ‪ .2008‬ﻣﻦ ﺑني اﻷﺳﻬﻢ اﻟﺘﻲ ﺳﺠﻠﺖ‬

‫ارﺗﻔﺎﻋﺎت ﻣﻠﺤﻮﻇﺔ ﻛﺎﻧﺖ ﺑﻠﻮ ﺗﺸﻴﺐ إﻋامر اﻟﻌﻘﺎرﻳﺔ )‪ 3‬ﰲ اﳌﺎﺋﺔ(‪،‬‬ ‫دﻳﺎر ﻟﻠﺘﻄﻮﻳﺮ )‪ 6.5‬ﰲ اﳌﺎﺋﺔ(‪ ،‬وﺑﻨﻚ ديب اﻟﻮﻃﻨﻲ )‪ 1.5‬ﰲ اﳌﺎﺋﺔ(‪.‬‬ ‫وارﺗﻔﻊ ﻣﺆﴍ أﺑﻮﻇﺒﻲ أﻳﻀﺎً ﺑﻨﺴﺒﺔ ‪ 0.3‬ﰲ اﳌﺎﺋﺔ ﻟﻴﻐﻠﻖ ﻋﻨﺪ ﻣﺴﺘﻮى‬ ‫ﻣﺮﺗﻔﻊ ﺟﺪﻳﺪ ﺧﻼل ﺧﻤﺲ ﺳﻨﻮات‪ .‬ﻣﻦ ﺑني اﻷﺳﻬﻢ ﰲ اﻹﻣﺎرة اﻟﺘﻲ‬ ‫ﺳﺠﻠﺖ زﻳﺎدات ﻛﺎﻧﺖ داﻧﺔ ﻏﺎز )‪ 4.2‬ﰲ اﳌﺎﺋﺔ( ﺑﻌﺪ أن أﻋﻠﻨﺖ أﻧﻬﺎ‬ ‫ﺗﻠﻘﺖ ‪ 53‬ﻣﻠﻴﻮن دوﻻر ﻣﻦ إﺟامﱄ ‪ 330‬ﻣﻠﻴﻮن دوﻻر ﻣﺴﺘﺤﻘﺔ ﻋﲆ‬ ‫اﻟﺤﻜﻮﻣﺔ اﳌﴫﻳﺔ وﺗﻠﻘﺖ اﻟﺘﺰام ﺑﺈﺗﺒﺎع ﺧﻄﺔ ﺳﺪاد اﻟﺪﻳﻮن‪.‬‬

‫ﺳﻮف ﻳﻌﻤﻞ ﻣﴫف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة اﳌﺮﻛﺰي ﻋﲆ ﺗﻨﻔﻴﺬ‬ ‫أﻧﻈﻤﺔ اﻟﺮﻫﻦ اﻟﻌﻘﺎري اﻟﺠﺪﻳﺪة ﻣﻦ ‪ 28‬دﻳﺴﻤﱪ‪ .‬ﺑﻌﺪ ﻫﺬا اﻟﺘﺎرﻳﺦ‪ ،‬ﻟﻦ‬ ‫ﺗﻌﺪ ﺧﻄﺎﺑﺎت اﳌﻮاﻓﻘﺔ اﳌﺒﺪﺋﻴﺔ اﻟﺘﻲ ﻗﺪ أﺻﺪرﺗﻬﺎ اﻟﺒﻨﻮك ﻟﻠﻌﻤﻼء‬ ‫ﺻﺎﻟﺤﺔ‪ .‬ﻋﺎدة‪ ،‬ﺗﻜﻮن ﺧﻄﺎﺑﺎت اﳌﻮاﻓﻘﺔ اﳌﺒﺪﺋﻴﺔ ﻟﻘﺮوض اﻟﺮﻫﻦ‬ ‫اﻟﻌﻘﺎري اﻟﻨﻬﺎﺋﻴﺔ ﺻﺎﻟﺤﺔ ﳌﺪة ﺗﱰاوح ﺑني ‪ 45‬و ‪ 60‬ﻳﻮﻣﺎً‪ ،‬وﻳﺘﻮﻗﻒ ﻫﺬا‬ ‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫وﻓﻘﺎً ﻟﺒﻴﺎﻧﺎت ﳼ يب رﻳﺘﺸﺎرد إﻟﻴﺲ‪ ،‬ﺗﺤﺘﻞ ديب اﳌﺮﺗﺒﺔ ‪ 23‬ﻋﲆ ﻣﺴﺘﻮى‬ ‫اﻟﻌﺎمل ﻣﻦ ﺣﻴﺚ إرﺗﻔﺎع إﻳﺠﺎر اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ واﻟﺘﻜﺎﻟﻴﻒ اﻷﺧﺮى‬ ‫اﳌﺮﺗﺒﻄﺔ ﺑﻬﺎ‪ ،‬ﻣام ﻳﺠﻌﻠﻬﺎ أﻏﲆ ﺳﻮق ﰲ ﻣﻨﻄﻘﺔ اﻟﴩق اﻷوﺳﻂ‪ .‬ﺗﺒﻠﻎ‬ ‫ﺗﻜﻠﻔﺔ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ ﻣﻦ اﻟﻔﺌﺔ اﻷوﱃ ﰲ ديب ﺣﻮاﱄ ‪ 92,56‬دوﻻر‬ ‫ﻟﻠﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ‪ .‬ﻣﻘﺎرﻧﺔ‪ ،‬ﺗﻘﺪر ﻗﻴﻤﺔ اﳌﺴﺎﺣﺎت اﳌامﺛﻠﺔ ﰲ وﻳﺴﺖ‬ ‫إﻧﺪ ﰲ ﻟﻨﺪن‪ ،‬وﻫﻮ اﻟﺴﻮق اﻷﻏﲆ ﰲ اﻟﻌﺎمل‪ ،‬ﺑﻨﺤﻮ ‪ 259،36‬دوﻻر ﻟﻠﻘﺪم‬ ‫اﳌﺮﺑﻊ اﻟﻮاﺣﺪ‪ .‬وﰲ وﺳﻂ ﻫﻮﻧﻎ ﻛﻮﻧﻎ‪ ،‬وﻫﻲ ﺛﺎين أﻏﲆ ﺳﻮق ﰲ اﻟﻌﺎمل‪،‬‬ ‫ﺗﻘﺪر ﺑﻨﺤﻮ ‪ 234،3‬دوﻻر ﻟﻠﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ‪ ،‬ﰲ ﺣني ﺟﺎء اﻟﺤﻲ اﳌﺎﱄ‬ ‫ﰲ ﺑﻜني وﻣﻨﻄﻘﺔ اﻷﻋامل اﳌﺮﻛﺰﻳﺔ ﰲ اﳌﺮﻛﺰﻳﻦ اﻟﺜﺎﻟﺚ واﻟﺮاﺑﻊ ﻋﲆ‬ ‫اﻟﺘﻮاﱄ‪ ،‬ﺑﻘﻴﻤﺔ ‪ 197،5‬دوﻻر و ‪ 189،67‬دوﻻر‪.‬‬ ‫ديب ﻫﻲ اﳌﺪﻳﻨﺔ اﻟﻮﺣﻴﺪة ﰲ اﻟﴩق اﻷوﺳﻂ اﻟﺘﻲ ﺗﺤﺘﻞ ﻣﻜﺎﻧﺔ ﺑني أﻛرث‬ ‫‪ 50‬ﻣﺪﻳﻨﺔ ﻣﻦ ﺣﻴﺚ ﻏﻼء اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ‪ .‬ﰲ اﻟﻮاﻗﻊ‪ ،‬ﻧﺮى أن‬ ‫اﻟﻌﻘﺎرات اﳌﻜﺘﺒﻴﺔ ﰲ ديب آﺧﺬة ﰲ اﻟﺘﺼﺎﻋﺪ ﺑني أﻧﻮاع أﺧﺮى ﻣﻦ‬ ‫اﻷﺻﻮل اﻟﻌﻘﺎرﻳﺔ‪ ،‬وﺣﺘﻰ اﳌﴩوﻋﺎت اﻟﺴﻜﻨﻴﺔ‪ ،‬اﻟﺘﺠﺎرﻳﺔ واﻟﻀﻴﺎﻓﺔ‬ ‫ﺳﺠﻠﺖ إرﺗﻔﺎع ﰲ ﻋﺎﺋﺪاﺗﻬﺎ وزﻳﺎدة اﻫﺘامم اﳌﺴﺘﺜﻤﺮﻳﻦ ﺑﻬﺎ‪.‬‬

‫ﴍﻛﺔ اﻟﻨﺨﻴﻞ أرﺿﺎً ﺗﺒﻠﻎ ﻗﻴﻤﺘﻬﺎ ﺣﻮاﱄ ‪ 162‬ﻣﻠﻴﻮن درﻫﻢ ﰲ‬ ‫ﻣﺠﻤﻌﺎت اﻟﻔﺮﺟﺎن وﻛﺬﻟﻚ ﻣﺠﻤﻌﺎت ﻣﺜﻠﺚ ﻗﺮﻳﺔ اﻟﺠﻤريا‪.‬‬ ‫΃ ‪ ky,˯ ʓ z 5 sa` Yy,%` ʓ +, isz˯ L ir0 5e‬‬ ‫اﻟﺘﺠﺎرﻳﺔ ﳌﻄﺎر أﺑﻮﻇﺒﻲ‪ :‬اﳌﺪﻳﻨﺔ اﻟﺘﺠﺎرﻳﺔ اﻟﺠﺪﻳﺪة ﳌﻄﺎر‬ ‫أﺑﻮﻇﺒﻲ‪ ،‬ﺑﻬﺎ ﺣﺎﻟﻴﺎ ﺛﻼﺛﺔ ﻣﺮاﻛﺰ رﺋﻴﺴﻴﺔ – ﻟﻮﺟﻴﺴﺘﻴﻚ ﺑﺎرك‪،‬‬ ‫ﺑﻴﺰﻧﻴﺲ ﺑﺎرك – وﺑﻴﺰﻧﻴﺲ ﺳﻨﱰ ‪ -‬أﻋﻠﻨﺖ أﻧﻬﺎ ﻗﺪ وﻗﻌﺖ ﻋﻘﺪ‬ ‫إﻳﺠﺎر ﻣﻊ ﴍﻛﺔ دي إﺗﺶ إل ﳌﺴﺎﺣﺔ ‪ 2،880‬ﻣﱰ ﻣﺮﺑﻊ ﰲ‬ ‫ﻟﻮﺟﻴﺴﺘﻴﻚ ﺑﺎرك‪.‬‬ ‫΃ ‪ ͧ / !yʞ + y1 4 $ WʙD‬أدﺧﻠﺖ داﺋﺮة اﻷراﴈ واﻷﻣﻼك‬ ‫أداة ﻋﲆ ﺑﻮاﺑﺘﻬﺎ اﻹﻟﻜﱰوﻧﻴﺔ‪ ،‬ﺗﺴﻤﺢ ﻟﻠﻤﺴﺘﺄﺟﺮﻳﻦ ﺑﺎﻟﺘﺤﻘﻖ ﻣام‬ ‫إذا ﻛﺎن ﻳﺠﺐ ﻋﻠﻴﻬﻢ دﻓﻊ إﻳﺠﺎرات أﻋﲆ ﻋﻨﺪ ﺗﺠﺪﻳﺪ ﻋﻘﻮدﻫﻢ‪.‬‬ ‫΃ ‪ z$ le 6e )` 2\0˯ ˱L b=% ,% ˯ z 0M` / eʞ‬‬ ‫ﺳﻬﻮﻟﺔ اﻟﺤﺼﻮل ﻋﲆ ﺗﺼﺎرﻳﺢ اﻟﺒﻨﺎء‪ :‬وﺿﻌﺖ اﺣﺼﺎﺋﻴﺎت اﻟﺒﻨﻚ‬ ‫اﻟﺪوﱄ ﻟﻌﺎم ‪ 2014‬دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﺑﺎﻋﺘﺒﺎرﻫﺎ‬ ‫ﺧﺎﻣﺲ أﺳﻬﻞ دوﻟﺔ ﰲ اﻟﻌﺎمل ﰲ اﻟﺤﺼﻮل ﻋﲆ ﺗﺼﺎرﻳﺢ اﻹﻋامل‬ ‫اﻟﺘﺠﺎرﻳﺔ‪ .‬وﻗﻔﺰت اﻹﻣﺎرات ‪ 13‬ﻣﺮﻛﺰا ً ﻟﺘﺤﺘﻞ ﻣﺮﺗﺒﺔ ﺑﻌﺪ ﻫﻮﻧﺞ‬ ‫ﻛﻮﻧﺞ‪ ،‬ﺟﻮرﺟﻴﺎ‪ ،‬ﺳﻨﻐﺎﻓﻮرة واﻟﺒﺤﺮﻳﻦ‪.‬‬

‫΃ `‪ ͧ ˼f!` y0X a e r i 0U` ʓ ʐ /ʜ Mz e {pk bz)k‬‬ ‫ﻣﻊ إﻛﺘﺴﺎب اﳌﺴﺘﺜﻤﺮﻳﻦ اﻟﺜﻘﺔ ﰲ اﻟﺴﻮق اﻟﻌﻘﺎري ﰲ ديب‪ ،‬ﺑﺎﻋﺖ‬

‫‪5‬‬

‫‪- 13‬‬

‫‪2014‬‬

‫ﻗﻴﻢ اﻷراﴈ ﰲ ديب ﺗﺸﻬﺪ ﻃﻔﺮات ﻣﻠﺤﻮﻇﺔ وإرﺗﻔﺎع اﻷﺳﻌﺎر اﳌﻄﺮوﺣﺔ‬ ‫ﰲ ﺑﻌﺾ ﻣﺸﺎرﻳﻊ اﻟﺘﻤﻠﻚ اﻟﺤﺮ اﻟﺮﺋﻴﺴﻴﺔ ﺑﻌﺪ ﺑﻀﻌﺔ أﻳﺎم ﻓﻘﻂ ﻣﻦ‬ ‫اﻟﻔﻮز‪ .‬ديب ورﻟﺪ ﺳﻨﱰال‪ ،‬ﺣﻴﺚ ﺳﻮف ﺗﺘﻢ ﻏﺎﻟﺒﻴﺔ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ ﳌﻌﺮض‬ ‫اﻛﺴﺒﻮ ‪ ،2020‬ﺷﻬﺪت ﺗﺼﺎﻋﺪ ﻗﻴﻢ اﻟﻌﻘﺎرات ﻋﻦ اﻟﻘﻴﻢ اﻟﺴﺎﺑﻘﺔ ﻣﻦ‬ ‫‪ 90-110‬درﻫﻢ ﻟﻠﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ ﻟﻴﺼﻞ إﱃ ﻧﺤﻮ ‪ 130-150‬درﻫﻢ‬ ‫ﻟﻠﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ‪ .‬وﺑﺎﳌﺜﻞ‪ ،‬ﰲ ﻣﺪﻳﻨﺔ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ‪ ،‬وﺧﺎﺻﺔ‬ ‫اﳌﻨﺎﻃﻖ اﻟﻘﺮﻳﺒﺔ ﻣﻦ اﳌﻴﺪان‪ ،‬وﺻﻠﺖ أﺳﻌﺎر ﺑﻌﺾ اﻟﺸﻘﻖ اﻟﺼﻐرية‬ ‫ﻷﻛرث ﻣﻦ ﺿﻌﻒ اﻷﺳﻌﺎر اﻟﺴﺎﺑﻘﺔ ﻣﻦ ‪ 120-140‬درﻫﻢ ﻟﺘﺼﻞ إﱃ ‪300‬‬ ‫درﻫﻢ ﻟﻠﻘﺪم اﳌﺮﺑﻊ‪.‬‬ ‫ﻣﻌﺮض اﻛﺴﺒﻮ اﻟﻌﺎﳌﻲ ﰲ ديب ﻳﺠﺬب أﻳﻀﺎً ﻣﺴﺘﺜﻤﺮﻳﻦ ﺟﺪد‪ ،‬ﻣﺜﻞ‬ ‫ﺻﻨﺘﻚ اﻟﻌﻘﺎرﻳﺔ‪ ،‬وﻫﻲ ﴍﻛﺔ ﻣﺴﺎﻫﻤﺔ ﻋﺎﻣﺔ ﻣﺪرﺟﺔ ﻣﻦ اﻟﻬﻨﺪ‪ ،‬ﺗﺘﻄﻠﻊ‬ ‫ﻟﺘﻄﻮﻳﺮ اﳌﺴﺎﻛﻦ اﻟﻔﺎرﻫﺔ ﺑﺎﺳﺘﺨﺪام منﻮذج ﻣﴩوع ﻣﺸﱰك أو‬ ‫ﻛﻤﻄﻮرﻳﻦ ﻣﺸﱰﻛني ﻛام ﻫﻮ اﻟﺤﺎل ﰲ ﺑﻌﺾ اﳌﺸﺎرﻳﻊ اﻟﺮﺋﻴﺴﻴﺔ ﻣﺆﺧﺮا ً‪.‬‬ ‫ﰲ ﺣني أن اﳌﻮﻗﻊ اﳌﺤﺪد ﻟﻬﺬه اﳌﺸﺎرﻳﻊ ﻻ ﻳﺰال ﻃﻲ اﻟﻜﺘامن‪ ،‬إﻻ أﻧﻪ‬ ‫ﻣﻦ اﳌﺤﺘﻤﻞ أن ﻳﻜﻮن ﰲ وﺳﻂ ﻣﺪﻳﻨﺔ ديب أو ﰲ ﻣﺪﻳﻨﺔ ﻣﺤﻤﺪ ﺑﻦ‬ ‫راﺷﺪ ‪.MBR‬‬ ‫ﻟﻴﺴﺖ اﳌﺸﺎرﻳﻊ اﻟﺠﺪﻳﺪة ﻓﻘﻂ ﻫﻲ اﻟﺘﻲ ﺗﺠﺬب اﳌﺴﺘﺜﻤﺮﻳﻦ‪ .‬ﻣﺆﺧﺮا ً‪،‬‬ ‫ﺣﻴﺚ أن ﻣﺴﺘﺜﻤﺮﻳﻦ ﻣﻦ أﺻﺤﺎب اﻟرثوات اﻟﻄﺎﺋﻠﺔ ﻗﺪ دﺧﻠﻮا ﰲ‬ ‫ﻣﺸﺎرﻳﻊ ﻣﺸﱰﻛﺔ ﻣﻊ ﻣﻄﻮرﻳﻦ آﺧﺮﻳﻦ ﻻﺣﻴﺎء اﳌﺸﺎرﻳﻊ اﻟﺘﻲ ﺗﻮﻗﻔﺖ‬ ‫ﻷﺳﺒﺎب ﻣﺨﺘﻠﻔﺔ‪ .‬ﺑﻴﻨام ﻳﺮﺟﻊ ﺟﺰء ﻣﻦ اﻟﺴﺒﺐ وراء ﺗﺰاﻳﺪ اﻫﺘامم‬

‫اﳌﺴﺘﺜﻤﺮﻳﻦ إﱃ ارﺗﻔﺎع اﻷﺳﻌﺎر ﺧﻼل اﻷرﺑﺎع اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ‪ ،‬إﻻ أن‬ ‫ﻗﻴﻢ اﻟﻌﻘﺎرات إﻗﱰﺑﺖ ﻣﻦ ذروﺗﻬﺎ اﻟﺘﻲ ﺷﻬﺪﺗﻬﺎ ﰲ ﻋﺎم ‪ .2008‬اﻟﺠﻬﻮد‬ ‫اﻟﺘﻲ ﺑﺬﻟﺖ ﻣﺆﺧﺮا ً ﻣﻦ ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ ﻟﺘﻄﺒﻴﻖ اﻟﻠﻮاﺋﺢ ﻣﻦ أﺟﻞ ﺗﻬﺪﺋﺔ‬ ‫اﻟﺴﻮق وﻣﻨﻊ اﻟﺘﻀﺨﻢ أدت إﱃ ﺷﻌﻮر اﻟﺴﻜﺎن ﺑﺎﻟﺘﻔﺎؤل ﰲ أﻋﻘﺎب‬ ‫اﻟﻔﻮز ﺑﺘﻨﻈﻴﻢ ﻣﻌﺮض اﻛﺴﺒﻮ اﻟﻌﺎﳌﻰ‪ .‬اﳌﺴﺘﺜﻤﺮون اﻟﺬﻳﻦ ﻛﺎﻧﻮا ﻳﺘﺒﻌﻮن‬ ‫ﻧﻬﺞ اﻻﻧﺘﻈﺎر واﻟﱰﻗﺐ ﰲ وﻗﺖ ﺳﺎﺑﻖ ﻫﻢ اﻵن أﻛرث ﺛﻘﺔ ﰲ ﺳﻮق‬ ‫ﻋﻘﺎرات ديب‪.‬‬

‫مبﻮﺟﺐ اﳌﺮﺳﻮم رﻗﻢ ‪ 41‬ﻟﻌﺎم ‪ 2013‬اﻟﺼﺎدر ﻋﻦ ﺻﺎﺣﺐ اﻟﺴﻤﻮ ﺣﺎﻛﻢ‬ ‫ديب اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل ﻣﻜﺘﻮم‪ ،‬ﻧﺎﺋﺐ رﺋﻴﺲ اﻟﺪوﻟﺔ ورﺋﻴﺲ‬ ‫ﻣﺠﻠﺲ وزراء دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬ﻓﺈن داﺋﺮة اﻟﺴﻴﺎﺣﺔ‬ ‫واﻟﺘﺴﻮﻳﻖ اﻟﺘﺠﺎري ﺑﺪيب ﻟﺪﻳﻬﺎ اﻟﺴﻠﻄﺔ ﳌﻨﺢ ﺗﺮاﺧﻴﺺ اﳌﻠﻜﻴﺔ ﻷﺻﺤﺎب‬ ‫أو اﻷﻃﺮاف اﻟﺬﻳﻦ ﻳﺮﻏﺒﻮن ﰲ ﺗﺄﺟري ﻋﻘﺎراﺗﻬﻢ اﻟﺴﻜﻨﻴﺔ اﳌﻔﺮوﺷﺔ‪.‬‬ ‫ﺗﻘﻮم اﻟﺪاﺋﺮة ﺑﺘﺤﺪﻳﺪ اﳌﻌﺎﻳري واﻹﺟﺮاءات اﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺘﺒﻊ‬ ‫ﻟﻠﺤﺼﻮل ﻋﲆ ﺗﺮﺧﻴﺺ ﻟﺘﺄﺟري اﻟﻌﻘﺎرات ﻋﲆ أﺳﺎس ﻳﻮﻣﻲ أو أﺳﺒﻮﻋﻲ‬ ‫أو ﺷﻬﺮي‪ .‬وﺳﻮف ﺗﺸﻤﻞ ﻫﺬه اﻟﺨﻄﻮات اﻟﺘﻲ ﻳﻨﺒﻐﻲ اﺗﺨﺎذﻫﺎ ﻣﻦ‬ ‫ﻗﺒﻞ اﻟﻬﻴﺌﺔ ﻗﺒﻮل اﻟﻄﻠﺒﺎت‪ ،‬اﻟﻨﻈﺮ ﻓﻴﻬﺎ‪ ،‬إﻣﺎ ﻗﺒﻮل أو رﻓﺾ اﻟﱰﺧﻴﺺ‪،‬‬ ‫وإﺟﺮاء ﻋﻤﻠﻴﺎت اﻟﺘﻔﺘﻴﺶ ﻟﻠﺘﺤﻘﻖ ﻣﻦ ﺗﻠﺒﻴﺔ اﻟﻌﻘﺎر ﳌﻌﺎﻳري ﻣﻨﺎزل‬ ‫اﻟﻌﻄﻼت اﳌﻨﺼﻮص ﻋﻠﻴﻬﺎ واﻟﺤﻔﺎظ ﻋﲆ ﻗﺎﻋﺪة ﺑﻴﺎﻧﺎت ﻟﺠﻤﻴﻊ ﻫﺬه‬ ‫اﳌﻨﺸﺂت ﰲ ديب‪ .‬وﺳﻮف ﺗﻜﻮن ﻫﻨﺎك ﻗﻴﻮد ﻣﻌﻴﻨﺔ ﻋﲆ اﳌﻨﺎﻃﻖ اﻟﺘﻲ‬ ‫ﺗﺘﺎح ﻓﻴﻬﺎ ﻣﻨﺎزل اﻟﻌﻄﻼت‪ .‬ﻛام ﺳﻴﺘﻢ ﺗﺼﻨﻴﻒ اﳌﻨﺎزل إﻣﺎ 'ﻋﺎدﻳﺔ' أو‬ ‫'ﻓﺎﺧﺮة' وﻓﻘﺎ ﻟﻠﻤﻌﺎﻳري اﻟﺘﻲ ﺗﺤﺪدﻫﺎ اﻟﺪاﺋﺮة‪.‬‬ ‫ﺳﻮف ﺗﻌﻮد اﻟﻠﻮاﺋﺢ اﻟﺠﺪﻳﺪة ﺑﺎﻟﻨﻔﻊ ﻋﲆ ﻗﻄﺎﻋﺎت اﻟﺴﻴﺎﺣﺔ واﻟﻌﻘﺎرات‪.‬‬ ‫ﻣﻊ ﺗﻮﻗﻊ إﺳﺘﻘﺒﺎل اﻹﻣﺎرة أﻛرث ﻣﻦ ‪ 20‬ﻣﻠﻴﻮن زاﺋﺮ ﺳﻨﻮﻳﺎ ﺑﺤﻠﻮل ﻋﺎم‬ ‫‪ ،2020‬ﺳﻮف ﺗﺴﺎﻫﻢ ﻣﻨﺎزل اﻟﻌﻄﻼت اﻟﺨﺎﺻﺔ ﰲ ﺗﻠﺒﻴﺔ ﻃﻠﺐ اﻟﺰاﺋﺮﻳﻦ‬ ‫ﻋﲆ اﻟﺴﻜﻦ‪ .‬ﺳﻮف ﺗﻀﻤﻦ اﻟﻠﻮاﺋﺢ أن ﻳﺘﻤﻜﻦ اﻟﺰوار ﻣﻦ ﺣﺠﺰ اﻟﺸﻘﻖ‪،‬‬ ‫اﳌﻨﺎزل أو اﻟﻔﻴﻼت اﻟﺨﺎﺻﺔ ﺑﻬﻢ ﻣﻦ دون اﻟﺤﺎﺟﺔ إﱃ اﻟﻘﻠﻖ ﺣﻮل‬ ‫ﺟﻮدﺗﻬﺎ أو إدارﺗﻬﺎ‪.‬‬ ‫مبﺎ أن اﳌﺮﺳﻮم ﻗﺪ ﺻﺪر‪ ،‬ﻳﺠﺐ ﻋﲆ اﻟﺪاﺋﺮة اﻟﺒﺪأ ﰲ اﻟﻌﻤﻞ ﻋﲆ ﺗﺤﺪﻳﺪ‬ ‫اﻟﺘﻮﺟﻴﻬﺎت وإﻋﺪاد اﻹﺟﺮاءات اﻟﺘﻲ ﻣﻦ ﺷﺎﻧﻬﺎ أن ﺗﺼﺒﺢ ﻣﻨﺎزل‬ ‫اﻟﻌﻄﻼت ﺟﻴﺪة اﻟﺘﻨﻈﻴﻢ ﺣﻘﻴﻘﺔ واﻗﻌﺔ‪.‬‬

‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﺷﺪدت ﺣﻜﻮﻣﺔ ديب ﻋﲆ أﻫﻤﻴﺔ اﻻﻟﺘﺰام ﺑﺎﻟﻘﻮاﻋﺪ واﻟﻠﻮاﺋﺢ اﻟﺘﻲ‬ ‫وﺿﻌﺘﻬﺎ ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ اﻟﻌﻘﺎري )رﻳﺮا(‪ ،‬ﻓﻴام ﻳﺘﻌﻠﻖ زﻳﺎدات اﻹﻳﺠﺎر‬ ‫داﺧﻞ اﻹﻣﺎرة‪ .‬اﻟﺒﻴﺎن اﻟﺼﺤﻔﻲ اﻟﺼﺎدر ﻋﻦ اﻟﺤﻜﻮﻣﺔ‪ ،‬واﻟﺬي ﺻﺪر ﰲ‬ ‫أﻋﻘﺎب ﻓﻮز ديب ﺑﺘﻨﻈﻴﻢ ﻣﻌﺮض اﻛﺴﺒﻮ اﻟﻌﺎﳌﻰ ﻋﺎم ‪ ،2020‬ﺷﺠﻊ‬ ‫ﻣﺆﺳﺴﺔ اﻟﺘﻨﻈﻴﻢ اﻟﻌﻘﺎري ﻋﲆ ﺗﻮﺣﻴﺪ وﺗﻨﻈﻴﻢ إﻳﺠﺎرات اﻟﻌﻘﺎرات‪،‬‬ ‫ﺑﻐﺾ اﻟﻨﻈﺮ ﻋام إذا ﻛﺎن اﻟﻌﻘﺎر ﻳﻘﻊ ﰲ اﳌﺪﻳﻨﺔ أو ﰲ إﺣﺪى اﳌﻨﺎﻃﻖ‬ ‫اﻟﺤﺮة ﰲ اﻹﻣﺎرة‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻓﻘﺪ أﻛﺪ ﻋﲆ ﴐورة ﻗﻴﺎم اﻟﻮﻛﺎﻟﺔ‬ ‫اﻟﺘﻨﻈﻴﻤﻴﺔ ﺑﻔﺮض ﻗﻮاﻧﻴﻨﻬﺎ ﻋﲆ ﺟﻤﻴﻊ ﻓﺌﺎت اﻟﻌﻘﺎرات اﳌﺴﺘﺄﺟﺮة ‪-‬‬ ‫اﻟﺨﺎﺻﺔ‪ ،‬اﻟﺘﺠﺎرﻳﺔ واﳌﻤﻠﻮﻛﺔ ﻟﻠﺤﻜﻮﻣﺔ‪.‬‬

‫ﻗﻴﻤﺔ اﻹﻳﺠﺎر‪ ،‬وﰲ ﺣﺎﻟﺔ إﻧﺨﻔﺎض ﻗﻴﻤﺔ اﻹﻳﺠﺎر ﺑﻨﺴﺒﺔ ‪ 21‬ﰲ اﳌﺎﺋﺔ إﱃ‬ ‫‪ 30‬ﰲ اﳌﺎﺋﺔ ﻓﺈن اﻗﴡ زﻳﺎدة ﰲ اﻹﻳﺠﺎر ميﻜﻦ أن ﺗﺼﻞ إﱃ ‪ 10‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻦ ﻗﻴﻤﺔ اﻹﻳﺠﺎر‪ .‬ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻌﻘﺎرات اﻟﺘﻲ ﺗﱰاوج ﻗﻴﻤﺔ إﻳﺠﺎر ﻣﺜﻴﻼﺗﻬﺎ‬ ‫ﺑني ‪ 31‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 40‬ﰲ اﳌﺎﺋﺔ‪ ،‬ﻳﻜﻮن اﻟﺤﺪ اﻷﻗﴡ ﻟﺰﻳﺎدة اﻹﻳﺠﺎر ‪15‬‬ ‫ﰲ اﳌﺎﺋﺔ‪ ،‬و ﻳﺴﻤﺢ ﺑﺰﻳﺎدة اﻹﻳﺠﺎر ﺑﻨﺤﻮ ‪ 20‬ﰲ اﳌﺎﺋﺔ ﻛﺤﺪ أﻗﴡ‬ ‫ﻟﻠﻮﺣﺪات اﻟﺘﻲ ﺗﻨﺨﻔﺾ ﻗﻴﻤﺔ إﻳﺠﺎرﻫﺎ ﻋﻦ ﻣﺜﻴﻼﺗﻬﺎ ﺑﻨﺤﻮ ‪ 40‬ﰲ اﳌﺎﺋﺔ‪.‬‬

‫وﻓﻘﺎ ﻟﻠﻤﺮﺳﻮم اﻟﺼﺎدر ﻋﻦ ﺻﺎﺣﺐ اﻟﺴﻤﻮ اﻟﺸﻴﺦ ﻣﺤﻤﺪ ﺑﻦ راﺷﺪ آل‬ ‫ﻣﻜﺘﻮم‪ ،‬ﺣﺎﻛﻢ ديب و ﻧﺎﺋﺐ اﻟﺮﺋﻴﺲ ورﺋﻴﺲ وزراء دوﻟﺔ اﻹﻣﺎرات‬ ‫اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة‪ ،‬ﻟﻦ ﻳﺴﻤﺢ ﺑﺄي زﻳﺎدات ﰲ اﻹﻳﺠﺎر ﻋﲆ اﻟﻌﻘﺎرات‬ ‫اﻟﺘﻲ ﺗﻘﻞ إﻳﺠﺎراﺗﻬﺎ ﻋﻦ ‪ 10‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻣﺘﻮﺳﻂ ﻗﻴﻢ إﻳﺠﺎر اﻟﻮﺣﺪات‬ ‫اﳌامﺛﻠﺔ‪ .‬إذا ﻛﺎن ﻣﺘﻮﺳﻂ إﻳﺠﺎر اﻟﻌﻘﺎرات اﳌامﺛﻠﺔ ﺑني ‪ 11‬ﰲ اﳌﺎﺋﺔ و‬ ‫‪ 20‬ﰲ اﳌﺎﺋﺔ ﻻ ﻳﺘﺠﺎوز اﻟﺤﺪ اﻷﻗﴡ ﻟﺰﻳﺎدة اﻹﻳﺠﺎرات ‪ 5‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫‪3‬‬

HAPPY NEW YEAR 2014 Valoran Real Estate Brokers

2014 : 2014 2014

- 13

2013

100 2013

: :

Prepared by: Alpha & Beta FZE

VALORAN MEMBER

www.valoran.ae

:11