November 2013 - eZine

Last Month at a Glance

Online Plot Locator Program from Dubai Municipality Parking Spaces in Apartments get Costlier in Sharjah International Real Estate News

US: September Decline in Home Sales Likely to be Further Affected by the Shutdown

Russia Making Changes to Existing Laws on Foreign Ownership of Property Most Expensive Zip Codes in the United States – Silicon Valley Tops the List Property Market in the Alps Picking Up Issue No. 11 - November 2013

Taiwan

International property market

Latest From the Economy

Forecasts Point to Sustained Growth in UAE Markets Dubai: Stock Markets Reach a New Five-Year High 100 More Schools to Come Up in Dubai by 2020 Abu Dhabi: New International Terminal to be Operational in 2017 Dubai Freehold Property

Discovery Gardens, The Gardens & Jumeirah Heights International Property Markets

International Property Markets - Taiwan Real Estate Investing Lessons

Lesson 9: Professional Property Valuation – 3 Commonly Used Approaches

Prepared by: Alpha & Beta FZE

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Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

News Digest

Last month at a glance

Online Plot Locator Program from Dubai Municipality Property buyers in Dubai will soon be able to find out all information pertaining to a prospective property just by taking a photograph and uploading it on the Dubai Municipality’s online application program. The new ‘Plot Locator’ service allows buyers to get all details about a plot of land by inputting the plot number into a software program. The service will also soon be available as a smart phone app.

In the initial phase, buyers will be able to access the program through two kiosks installed in the office of the Land Department, as well as the ones in the municipality’s Deira headquarters and two branches at Al Tawar and Al Manara.

addition, it outlines whether the land is meant for industrial, commercial or residential use.

The new service will go a long way towards speeding up land related transactions as investors can access information quickly and also feel more comfortable since the data is listed publicly.

Director General of Dubai Municipality, Eng. Hussain Nasser Lootah, feels that the Plot Locator project will help in giving a boost to the real estate business.

The program can be used on computers, mobile devices and smart phones, and it can be downloaded from http://plotlocator.dm.gov.ae.

The urban planning software program provides detailed and accurate information on the location and projects, such as the height of the proposed building and the number of parking spaces. In www.valoran.ae

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Parking Spaces in Apartments get Costlier in Sharjah Tenants in Sharjah face a steep increase in annual rentals for parking slots in their buildings, as landlords are making the most of the shortage of slots in apartment complexes by demanding increases of over two thirds for parking spaces while renewing leases. In a scenario where parking spaces are becoming scarce, residents are left with no choice but to meet these demands, which in some cases are more than double the previous rates, in order to get a slot for their car.

While all tenants are unhappy about the steep hike, some feel that they would rather pay an increased rate than leave their cars in an open and sandy space where the chance of the vehicle getting damaged and scratched is higher. Others who were budgeting to pay for a parking space on renewing their leases have had to defer the decision due to the increase cutting into their budget.

Clearly, the parking situation in Sharjah needs to be improved. Many tenants who want to pay and park their car in their building do not have

the option because of insufficient parking space.

Often, residents who park their car on the sides of the road have to pay fines daily for obstructing the flow of traffic.

Building additional parking spaces could provide a solution to this crisis. In 2008, officials had announced that 40 paid multistory car parks would be built. However, with one of the projects collapsing half way through completion and another having come to a standstill the addition to the stock of parking spaces remains a distant dream.

Global Lifestyle Destinations Overseas investors are looking at Dubai not only from the point of return on investment, but also because of the lifestyle options that the emirate presents. In a new report form Knight Frank, Dubai was ranked among the Top 5 global cities based on its lifestyle choices. The city ranked the highest in terms of education and sunny climate. Besides education and climate, the Knight Frank report took into other factors such as leisure options and choice of restaurants.

Other cities that ranked high included Geneva and Hong Kong, which were top scorers for education and restaurants. For family-oriented investors, Geneva was the leading city as it ranked over all the others in terms of education, security and leisure. It was followed by Singapore, London and Dubai (in rank order two to four).

A recent poll by Cluttons also showed that high net-worth investors looked at Dubai alongside London, when it came to property specific investments. Dubai’s sunny climate and the lifestyle choices that it presents, seem to be one of the reasons for the steady increase in property values since 2012. Clearly, investors believe that there is still a possibility of yield gains, and the biggest gains have come from premium and super-premium properties.

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Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

High-end Projects worth Several Billion Dirhams Launched at Dubai Cityscape Global 2013 At the 2013 Dubai Cityscape Global, which was a three-day event from October 8th to 10th, the residential sector saw the maximum activity with high-end residential developments (at premium locations and premium prices) accounting for around 70 per cent of the announcements.

Most of the leading developers, including Damac, Deyaar Development, Dubai Holding, Dubai Properties Group, Dubai World Central, Emaar, Nakheel, Meydan, Meeras Holding and Omniyat announced new projects that together were worth several billions of Dirhams. Around 223 exhibitors, regional and international, participated in the 2013 edition of Cityscape Global 2013, which covered 6 exhibition halls spread over 25,000 square meters.

Dubai: Work on the Updated DIFC Plan to Start in 2014 The next phase of development of the Dubai International Financial Centre is expected to commence in early 2014. The updated plan includes additions to the world-class infrastructure and facilities for meeting the demands of regional and international clients. It also takes into account the growing demand for space from clients who are looking at expanding operations.

The North District of DIFC will continue to be used for offices, while the South district will be used for residential and lifestyle development. The Town Center will be a mixed-use development with entertainment and retail. The three zones will be connected by a retail promenade that will also offer connectivity between them.

Other headlines in brief In view of them not complying with the rules regarding construction activities, the municipality has canceled licenses of 2 engineering companies and 4 construction companies, besides levying without the permission or knowledge of the

Emaar is installing an Automated Access Card System (AACS), which screens cars Once installed, only registered vehicles 3 community on a trial basis, and if successful, it will be replicated across other

With the new integrated address system streets in Dubai have been renamed so far, system, the city will be divided into several

Dubai Courts established a new record in the Guinness Book by selling a property for Dh94 million through which was a piece of land, was bought by a

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Latest from the economy

Forecasts Point to Sustained Growth in UAE Markets In their mid-year report, economists from Standard Chartered have said that GCC economies are building upon their fiscal strength to achieve short-term growth as well as diversifying to bring down long term risks in their economies. The UAE’s real GDP is projected to increase by 3.4 per cent in 2013 and 3.6 per cent in 2014.

The positive economic outlook continues in Dubai, which has shown consistent growth in core sectors such as tourism, trade and retail. In Abu Dhabi, increased government investments are continuing to fuel growth in non-hydrocarbon sectors. In the Dubai property market, over the past year prices of apartments and villas have grown by 24 per cent and 38 per cent respectively.

Rents in Dubai have risen by 20 per cent and 17 per cent over the same period, whereas prices and rents have stabilized in Abu Dhabi’s property sector over the last twelve months.

Another factor that could further boost economic growth is Dubai winning the bid for hosting Expo 6

2020, as it could result in an additional Dh25.3 billion being spent on infrastructure for the event.

In the banking sector too, the loan to deposit ratios in the UAE have stabilized compared to 2009-2011 levels. This is mainly due to the increase in deposits, which have grown by 12 per cent over the year, ending July 2013. However, credit growth in the private sector continues to be low, indicating that companies are following a waitand-watch approach, but this is likely to change as the economy continues to improve.

Dubai: Stock Markets Reach a New Five-Year High On Sunday, October 20th, the Dubai Financial Market General Index reached a fresh high, closing at 2,909.91 points – the highest increase since November 2008. Property and banking shares were the biggest gainers. Sunday’s rally saw only five companies’ share prices fall and three remaining the same.

Among the leading gainers was Emaar Properties,

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

whose shares rose by three per cent to reach Dh6.15 following an announcement that it was planning to launch a project in Iraq the following week. Other construction firms, which gained, included Union Properties (8.76 per cent), Arabtec (2.65 per cent) and Deyaar (5.34 per cent). In the banking sector, the shares of Emirates NBD rose by 2.91 per cent and reached Dh5.65. Similarly, Dubai Islamic Bank reached Dh4.18 – an increase of 3.98 per cent.

The reason for the upward trend is attributed to the strong fundamentals and growing business confidence, among other things. Some analysts also feel that the optimism about Dubai winning the bid for Expo 2020 is responsible for the steep rise in the index.

100 More Schools to Come Up in Dubai by 2020 With several reputed foreign educational institutions showing interest in setting up schools in Dubai, the city is likely to have around 100 new private schools in the next five years. These figures are based on a study released at the Education Investment Mena event.

The private education sector in Dubai has been growing steadily over the last five years with student enrollments increasing by 7 per cent.

Currently, there are 225,000 students registered in 153 of Dubai’s private schools, which offer different curricula. Dubai’s private education sector is one of the largest in the world and is worth Dh4.1 billion.

It is also unique as it caters to a diverse population comprising various nationalities.

Another noteworthy factor is that there is a high demand for private schools with over 88 per cent of students in Dubai opting for education in these schools. Contrary to perceptions, private education in Dubai is also relatively cheap compared to other global cities. The annual fees are Dh10,000 in around 45 per cent of these schools, while 12 per cent of the schools have fees of over Dh40,000 per annum.

Unlike most cities, where schools are regulated by ministries, Dubai has a dedicated government body – KHDA – that oversees private schools and takes care of their requirements. This helps in maintaining a balance between the varied interests of students, parents, teachers and investors.

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Emirates NBD Lowers cent Despite the rising property prices in Dubai, Emirates NBD has revised its earlier inflation forecast of 2.5 per cent and brought it down to 1.5 per cent. However, it has fore-casted an inflation of 3 per cent for the next year that will keep pace with the continued economic recovery.

Although residential property prices in Dubai have increased significantly over the past few months, the inflation in other sectors in the UAE has been minimal. Housing and utility costs account for a little over one third of the CPI. There has been almost no inflation in other components of the CPI, and overall, inflationary pressures have remained low due to the global financial crisis, which resulted in the tightening of credit and a decline in property transactions.

Emirates NBD has also revised the GDP growth forecast for the year to 4.4 per cent, which is supported by the oil output exceeding expected

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levels. In early October, the IMF too raised its forecast of the GDP growth in the UAE from 3.1 per cent to 4 per cent.

Abu Dhabi: New International Terminal to be Operational in 2017 Abu Dhabi International Airport’s new Dh10.8 billion terminal is set to open in July 2017 with the aim of doubling the existing passenger capacity. The terminal, which will have an area of 700,000 sq.m, will be used by Etihad Airways and its partners and will handle 30 million passengers per annum (twice the present figure of 15 million passengers per annum).

The mid-field terminal, as it is known because it is located between two of the airport’s runways, is being constructed by a consortium that includes Dubai’s Arabtec, TAV Insaat from Turkey and Consolidated Contractors Co from Athens. The construction of the new terminal is one of the main infrastructure projects under construction in UAE’s capital.

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

Dubai Freehold Property Discovery Gardens, The Gardens & Jumeirah Heights Discovery Gardens, The Gardens and Jumeirah Heights are freehold projects by Nakheel, one of Dubai’s leading real estate developers. All three are self-contained communities located in the New Dubai area. The former two are close to Jebel Ali, while the latter is behind Jumeirah Lake Towers.

Discovery Gardens

(studio and one bedroom) and 200 retail outlets.

The buildings are built in six clusters, with each cluster following a theme in its gardens.

The various clusters are Cactus courtyard, Contemporary, Mediterranean, Mesoamerican, Mogul and Zen. Discovery Gardens is located on the new interchange on Sheikh Zayed Road, between Interchange 5 and 6, making Emirates Road, Dubai Metro and Jebel Ali within easy reach. It’s a short distance from Ibn Battuta Mall.

Spread over 26 million square feet, Discovery Gardens is a community that is based on the concept of garden living. The 291 buildings in the development have around 26,000 apartments Discovery Gardens, Dubai, United Arab Emirates

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The Gardens Besides the landscaped courtyards throughout the development, this family-oriented community has several swimming pools, children’s play areas, basketball courts, tennis courts, volleyball courts, cycling tracks, jogging trails and a mosque.

depending on the type of the apartment and the

community comprises 129 low rise buildings

to each other with lush greenery all around, including secluded courtyards and open plazas that are linked by pebbled pathways and

Rentals in Discovery Gardens range from depending on the type of the apartment and the

Property types

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10

Properties by bed rooms

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The development has 24-hour ‘on-call’ maintenance, patrolling security, playgrounds, swimming pools, tennis courts, basketball courts, football fields and volleyball courts. There are mosques within easy reach. The nearest metro station is the Ibn Battuta Mall metro station. There are several retail outlets, including supermarkets and restaurants, within the community.

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

Jumeirah Heights which include a mix of lofts, apartments, is a modern residential community surrounded

apartments, while average villa rentals are

Property types

Properties by bed rooms

rise apartment buildings with loft apartments development to Sheikh Zayed Road makes t 7JMMB t "QBSUNFOU

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Price range

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3 bed.

4 bed.

1,750K

2,000K

2,250K

2,500K

2,750K

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3,500K

3,750K

4,000K

Price ranges by no. of bedrooms

Average Price 400k

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The Village Center has retail outlets, including cafes, restaurants, supermarket, bank, pharmacy, gym, children’s play area, swimming pool and a club house.

100k

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4 bed.

5 bed.

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International Real Estate News

US: September Decline in Home Sales Likely to be Further Affected by the Shutdown After reaching a four year high, home sales in the US seem to be slowing down. Statistics from the National Association of Realtors indicated that sales had dropped by 1.9 per cent in September.

However, sales are still 10.7 per cent higher compared to September 2012. Economists predict that sales will keep declining as affordability continues to be an issue, owing to the fact that income levels have not kept up with price increases. Higher mortgage rates will further contribute to the decline in the next months, as will the delays in transactions caused by the recent government shutdown.

One of the reasons for the increasing prices despite the slowdown in sales is the tight supply.

Total housing inventory in September remained unchanged with 2.21 million existing homes available for sale, which represented a fivemonth supply at the present rate of sales. Rising flood insurance rates are also a cause for concern.

Around 10 per cent of the transactions that took place in September were in flood zones, and in approximately one out of every ten transactions, there were delays or cancellations due to uncertainty over the hike in flood insurance. While home construction will play an important role in 12

increasing GDP, the federal government will have to keep an eye on mortgage rates and existing supply to further aid the process of economic recovery.

Russia Making Changes to Existing Laws on Foreign Ownership of Property In a move aimed at preventing property purchase by migrant workers, the Russian government is drafting changes to the legislation on foreigners buying property. At present, foreigners are allowed to buy property on almost the same footing as Russians, with restrictions only with respect to purchase of agricultural land or properties that are close to border zones, military establishments, sea ports and other infrastructure hubs. Once the new law comes into effect in 2015, foreigners will not be able to purchase property without the approval of the Russian Government.

The intention behind this move is twofold. Besides keeping property prices in check by restricting speculative investments by foreigners and preventing a price bubble, the new law will put a lid on property purchases by migrant workers from former soviet states. The government fears that these properties might be rented out to transients, thereby resulting in the formation of ghettos or overpopulated shanty towns in the

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

Capital, Moscow. The proposed legislation is part of the government’s efforts to crack down on illegal immigrants from Azerbaijan and other former Soviet states, and comes immediately after a suburb in southern Moscow witnessed one of the worst riots in years.

The new law will affect individuals more than companies. While companies will still have to get approval before purchasing property, they are unlikely to face rejection from the government, as foreign investors account for around 40 per cent of institutional investments in the residential and commercial sectors in Russia.

Most Expensive Zip Codes in the United States – Silicon Valley Tops the List In the Forbes annual list of the most expensive zip codes in America, Atherton, California (94027) topped the list. The cheapest house in the area – a two-bedroom home of 1,194 square foot located on a 6,000 square foot lot – has a sales price of $1.2 million. The reason for the high prices is that Atherton is one of the most centrally located communities in the Silicon Valley. The median price of a single family home (based on 50 homes that were listed for sale) is $6.67 million.

The community is home to several Forbes 400 billionaires, including Meg Whitman (HP) and Eric Schmidt (Google). In the recent past, many wealthy Chinese and Indians have also bought properties in this zip code.

Property Market in the Alps Picking Up After almost four years of price corrections, the Alpine property market appears to be on a rise with transactions doubling in some of the resorts.

In the latest study by Savills and Alpine Homes that covered 27 sought after resorts, transactions in Austria doubled in the first half of 2013 compared to the same period last year. In the Swiss Alps, transactions grew by 57 per cent over the same period.

The majority of the sales were made to second home buyers and investors. In addition, an increasing number of buyers were from overseas.

While British buyers accounted for around onefourth of the sales, most of them resided outside the UK in countries such as Dubai, Geneva, Hong Kong and Singapore. Russian buyers were more active in the top end property segment.

Around 55 per cent of the resorts surveyed, experienced a price increase of 5 per cent over 2012. In last year’s survey, prices dropped by 5 per cent in approximately 28 per cent of the resorts.

In addition to low interest rates and increased investor confidence, the renewed interest in Alpine property is coming mainly from High Net Worth buyers, who were renting chalets for the past three years and are now looking at purchasing their own holiday property.

Several other communities in California’s Bay Area were on the Top 10 list, as the economy of the state has benefited from the tech boom in Mountain View, Palo Alto and Menlo Park. It’s only natural that some of the wealth has trickled down to the local residential property market. Other communities on the Top 10 list include Los Altos Hills (2nd), Belvedere (4th) and Portolo Valley (9th).

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Lifestyle

Real Gold Lamborghini Model Car to Hit Dubai Auction According to media reports, a Lamborghini car crafted from solid gold and bejeweled with precious stones is set to be auctioned in Dubai.

However, this car cannot be shown off by speeding across Dubai’s highways as it is a model car, which will weigh around 55 pounds. The car hasn’t yet been built, but a miniature model of it, which was made from semi-precious metals and gems, was recently on display in Dubai.

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Being built with the intent of becoming the world’s most expensive car made and getting a Guinness Record to its credit, the Lamborghini Aventador LP 700-4 will be made from a solid gold block weighing around 500 kilograms and will contain an estimated $2.6 million worth of precious metals. Although the price of the car has not been announced, it is expected to fetch approximately $7.5 million, when it comes up for auction in Dubai. Even the wealthiest customers worldwide might find this price too much. However, it’s for a good cause as $6.5 million of the proceeds will be donated to charities.

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

to Showcase Avant-Garde Jewelry of the 20th Century As a tribute to Suzanne Belperron and Fulco di Verdura, who are considered the most noted jewelry designers of the 20th century, a special exhibition and sale is being held at the Verdura Fifth Avenue Salon in New York from October to December. The two designers are known for revolutionizing jewelry during their time with their aesthetic designs and shared a host of famous clients, including the Duchess of Windsor.

DeWitt Brings Out New Model of Its Popular Watch, Academia As part of its 10th anniversary celebration, DeWitt has brought out a redesigned 200-edition model of Academia, its most popular watch model.

Unlike the signature model of Academia, which has a columned bezel and case in gold or titanium, the new model has a sportier look with steel in a satin finish. While the signature model costs over $20,000, the new model, which is targeted at a younger audience, is priced at $12,000.

The rugged new model includes 42-hour power reserve. It comes in two models - the Grande Date and the Hora Mundi. Both models have a smart silver and black dial with choice of rubber or steel straps.

Hermes Flagship Store Reopens in Beverly Hills

The display will feature more than 70 pieces of jewelry that were made from the late 30s to the 60s. Among them will be two signature designs, including feather ear clips made with platinum and diamond. These were actually a pair of brooches that were commissioned in 1956 by Brooke Astor, and feature 275 round diamonds with a total weight of 16.58 carats in addition to 16 baguette diamonds.

Other notable pieces are Verdura’s heart-shaped brooch made from platinum and gold, with 109 canary diamonds besides 271 white diamonds.

The Belperron Whirl ring is another highlight, encrusted in the center by a 3.2 carat Burmese Ruby.

The exhibition will be on for a two-month period starting from October 17th.

Following an 18-month renovation, the flagship boutique of Hermes reopened at 434 North Rodeo Drive in Beverly Hills, just a few stores away from the lot where the first Beverly Hills Hermes store opened in 1972. The store marks the new era of the brand in the United States.

Spread over 12,000 square feet on three levels, the store has a spiral staircase that connects the floors and a rooftop garden where events will be hosted. The first level has ready-to-wear clothing and accessories. The second level is the madeto-measure section where men can get custommade shirts and suits. The third floor features the brand’s home collection, including furniture, home accessories and a separate area dedicated to custom projects. Saint Louis tabletop and Puiforcat silver products are also displayed in the home section.

The large store, which symbolizes the brand’s transition to a new future in the United States, will be joined next year by a similar store in Miami’s Design District. www.valoran.ae

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

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

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

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

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

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

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

Knight Frank Global House Price Index Rank

Country

12-month % change (Q2 2012-Q2 2013)

6-month %change (Q4 2012-Q2 2013)

15.4%

11.9%

1 2

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

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

3

Taiwan

4 5 6

Turkey

7 8 9 10 11 12 13 14 15

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– the third most expensive area – prices per ping were around USD5,075 or TWD152,000.

Residential Market As per data from Sinyi Real Estate Planning and Research, Taiwan’s home price index achieved a record 7.45 per cent growth in Q2 of 2013.

While the price increases in Taipei were around 11.51 percent, most other areas recorded higher increases, with Kaohsiung and Taoyuan recording the largest price growth of 26.34 per cent and 20.81 per cent, respectively.

Residential Price Index in Taiwan Q2 2013 No.

City

Growth

1 2

New North

4 5 6 7

In the capital, Taipei, which is the most expensive residential property market in Taiwan, home prices in June 2013 averaged USD21,870 or around TWD655,000 per ping – the customary measurement used in Taiwan that works out to approximately 3.306 square meters. In comparison, per ping prices in New Taipei city were USD11,186 or TWD335,000. In Kaohsiung

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Demand for housing property continues to be high with sales in July 2013 increasing by 20 per cent over the previous month and reaching 4,043 units. According to data from the Ministry of Interior, in the first half of 2013, the number of housing permits grew by 3.7 per cent over the same period last year with 34,861 new houses being constructed.

However, with home prices recording high growth before complete economic recovery, there are fears that the market is currently driven by speculation. Around 50 per cent of real estate transactions over the past three years are believed to have been made by speculators, who are looking to profit from future investments from Mainland Chinese, once the economy picks up.

The government’s domestic luxury tax scheme, which was intended to prevent speculation by levying tax on sales before 2 years, does not really affect investors with deep pockets, who have the financial strength to hold on to properties for a few years. In addition, with the Central Bank reducing interest rates to 1.25 per cent to give a

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

boost to the economy, the mortgage market has grown significantly with home loans becoming easily accessible.

Rental yield from residential property is very low in Taiwan, with gross yields averaging around 2 per cent. With purchase prices ranging from between USD7,200 to USD9,200 an apartment worth USD1.8million would fetch a rent of just around USD2,200 per month. This makes it unattractive for investors who are looking at earning rental income from their investment.

Office Market Rents for Grade A office space rose in Q2 of 2013 in Taipei. However, the number of new leases or takeups declined from 16,000 ping in the first quarter of 2013 to 3,700 ping in the second quarter.

Despite the lower rate of take ups, the vacancy rate declined by 0.7 per cent over Q1 of 2013 reaching 10.3 per cent. The reason for this could be the lack of new supply to the office market, but three ongoing projects that are expected to be completed in the second half of 2013 will add approximately 27,000 ping to the office market.

With owners increasing rentals in new buildings, most corporates are renewing their old leases rather than looking at new space at a higher price. Some buildings in the central areas, which have low vacancy demand higher rents, and were responsible for the marginal increase in rents of 0.5 per cent compared to Q2 2012. In Q2 2013, average monthly rents reached TWD 2,444 per ping.

Investment volumes have fallen in Taiwan’s office market, specifically in Taipei. Until November 2012, insurance companies accounted for around 40 per cent of commercial property purchases in Taipei. Subsequently, the government laid down restrictions that prevented insurers with financial irregularities from investing in commercial property in a bid to keep prices under control.

While some of these restrictions have been lifted, there is still a clause that prevents domestic insurers from purchasing properties unless they can fetch yields higher that 2.875 per cent.

With the laws being changed frequently by the government, investors who are looking at purchasing commercial space are waiting and watching until the market and environment is more conducive for investments.

Loans for House Purchase 6,000

40

5,000

35

4,000

30

3,000

25

2,000

20

1,000

15

0

10 ‘01

‘02

‘03

‘04

‘05

‘06

‘07

‘08

‘09

$NT billion (left scale)

‘10

‘11

‘12

‘13

% of GDP (right scale)

Source: Central Bank of China-Taiwan

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Forecast It remains to be seen whether the residential property market in Taiwan will crash. With supply exceeding demand, unless economic activity picks up in the state, which results in increased demand for houses and office space, the government will have to resort to cooling measures to keep property prices at more realistic levels.

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Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

180

24

120

16

60

8

0

0

-60

-8

-120

08

09

10

Take-Up (net) Future supply

11

12

13F

Percent

Thousand Sq. m

Physical Indicators

-16

Completions Vacancy Rate

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Real Estate Investing Lesson 9

Professional Property Valuation 3 Commonly Used Approaches In our October issue, we covered the process of calculating Net Operating Income, which is important for using other common approaches to evaluating property, some of which professional property appraisers use. This month, we will take you through these approaches in detail so that you can learn how to evaluate investment properties scientifically as these methods help in arriving at more accurate current values.

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Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

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

Market Data or Sales Comparison Approach Based on the economic concept of substitution, this approach is based on the assumption that the value of a property will be equal to that of a similar property offering the same benefits. While it is impossible to find two properties that are identical in terms of age, specifications and benefits, it’s possible to make adjustments to the price after comparing properties that are almost similar.

The process of evaluation can be compared to the research that a buyer does before buying a home appliance. He compares features with price and then decides which appliance offers the best buy in terms of a balance of features that he is looking for.

Having market data of properties that have been sold in the recent past is the starting point for evaluating property value. In addition, it’s essential to assign a monetary value to each feature or benefit – usually the additional amount that a buyer would be willing to pay for the feature. This

approach is better illustrated by the help of an example, as outlined below.

A buyer, who is looking at a rental property for investment finds a three-bedroom two-bath house in a Florida community, which is six years old, in good condition and located on a corner lot within walking distance of the club house. The asking price for the house is $110,000. In order to evaluate whether this is a good price, the buyer does some research and gathers details of three houses in the community that were sold recently (details in the table below).

As can be seen, although the properties are all located within the same community, they differ in terms of features, location and age. By making adjustments, it’s possible to arrive at a more realistic price that facilitates easier comparison.

This can be done by identifying the various factors that will impact the value of the property, such as perceived benefits for which buyers will be willing to pay more or disadvantages that will reduce the property value in the eyes of the buyer.

Assigning adjustment values to each of the relevant criteria can make the process of valuation simpler.

Property A: Since this property was sold six months ago, and market prices have increased by approximately 4 per cent since then, it can be assumed that in today’s market, it might have fetched an additional $4,000. In addition, to facilitate a more realistic comparison, it’s essential to factor in the condition ($4,000), the proximity to the club house ($5,000) and the mid-block

Market Data Summary Price

Age

Proposed Property

Features

Condition

Sale Date

Corner lot

Property A

Mid-block

Property B Property C

Location

Corner lot New

Mid-block

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location ($5,000).Therefore, the adjusted price of this property would be $118,000.

build a similar property, not taking into account depreciation.

Property B: This house was sold ten months ago, and property prices have increased by 10 per cent since then. This would require an adjustment of $9,500. In addition, accounting for the proximity to the club house would require an adjustment of $5,000. Although it is slightly older, since it is in good condition, no adjustment needs to be made for the age. Thereby, the adjusted price would be $109,500.

Depreciation: The value of all forms of depreciation is calculated. This includes depreciation caused by physical wear and tear, functional obsolescence due to change in customer preferences (for instance, an apartment without an elevator), external factors (reduction in value due to a large employer in the area relocating to another part of the city).

Property C: Since this is a brand new property, and based on estimates that buyers would be willing to pay $20,000 more than a six year old property, an adjustment needs to be made by reducing the price by $20,000. However, increases need to be made for mid-block location ($5,000) and distance from club house ($5,000). Hence, the adjusted value would be $110,000.

Market Data Summary Price

Adjustment

Proposed Property

Value

Nil

Property A Property B Property C

Cost Approach Unlike the Market Data approach, which is dependent on sales prices, under this method the value of a property is calculated using replacement costs. The evaluation process involves looking at each element of cost, such as land and building, separately. In general, the process of evaluation involves these steps: Land evaluation: The appraiser looks for comparable vacant land in the area and assesses its value.

Evaluating current cost of the building: Next, estimation is made of what it would cost to 24

Calculating property value: After deducting the total depreciation from the cost of the building, adding it to the cost of land would give the value of the property.

Using the same example as the Market Data approach, for a three-bedroom two-bath home in a Florida community, the cost of land is estimated as $40,000. The house is 1,600 square feet and estimated costs of construction per square foot is $70, but accounting for depreciation, since the property is six years old, the construction cost per square foot can be brought down to $60. Based on this, the value of the property, according to the cost method, works out to $136,000.

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

Income Capitalization Approach Under this method, the property’s value is calculated using a formula. It requires finding out Net Operating Income (NOI) and Cap Rate, which were discussed in our August and October issues.

Value = Net Operating Income / Cap Rate

an evaluation of whether he can add value to the property to improve its earning potential.

Once the value of a property is determined, the next stage in finding and buying a property is the process of preparing and making an offer. In the next month’s issue, we will take you through the various steps involved and provide tips on making a successful offer that is acceptable to the seller.

Using the same example, based on data provided by the seller, the NOI of the property is estimated to be $10,000 per year. On inquiring with real estate brokers, the cap rate of similar properties that have been sold recently is 10 per cent.

Therefore, the value of the house under the Income Capitalization approach works out to$100,000.

Comparing the results Once the value of the property is calculated using all three approaches, they can be reconciled before arriving at a decision.

Market Data Cost Income Capitalization

Since the property is being bought as an investment rather than for own use, the Income Capitalization value is the most significant one.

Furthermore, consider the Market Data, since it reflects the latest trends in property sales in the area. Unless recent sales data is not available, the Cost valuation can be ignored. Therefore, upon reconciling the figures and balancing the values calculated under the market data and income capitalization approach, $105,000 would be a good price for purchasing the property.

Of course, if the asking price is $110,000, the seller may not be willing to accept $105,000. Hence, the buyer will need to take a decision based on

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Properties of the month Emirates Living

Meadows 1

AED 5,500,000

4 bed apartment

Meadows 9 4 bed apartment

Emirates Living AED 5,400,000

L SA

L SA

2 bed apartment

Down Town AED 9,750,000

E

E

The Address Lake Hotel

Executive Tower B 2 bed apartment

Business Bay AED 2,400,000

2 bed apartment

Down Town AED 230,000

Yansoon 5 1 bed apartment

Down Town AED 110,000

NT RE

NT RE For above listed properties contact 26

LE

SA

LE

SA

Burj Khalifa

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

Dubai Sport City

Hub Canal 2

AED 850,000

1 bed apartment

JLT

Lake View Tower 1 bed apartment

AED 1,500,000

L SA

L SA Business Bay AED 950,000

Commercial space

E

E

Business Tower

The Address Dubai Mall Hotel 1 bed apartment

Down Town AED 3,100,000

LE

SA

LE

SA

Balqis Residence

The Palm Jumeirah

Qourtaj

2 bed apartment

AED 3,800,000

3 bed apartment

Al Furjan AED 4,000,000

LE

SA

LE

SA For above listed properties contact

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Properties of the month Trident Bayside Residence

Dubai Marina AED 4,250,000

3 bed apartment

The Address Dubai Marina Hotel 1 bed apartment

Emirates Living AED 2,300,000

L SA

L SA AED 3,100,000

3 bed apartment

E

E Emirates Living

Springs 4

Jumeirah Island 4 bed apartment

Jumeirah Island AED 8,700,000

1 bed apartment

Dubai Marina AED 98,000

Al Mass Tower 2 bed apartment

Dubai Marina AED 190,000

NT RE

NT RE For above listed properties contact 28

LE

SA

LE

SA

Marina Quays West

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

Properties of the month Golf Tower 2 1 bed apartment

The Views AED 1,650,000

Tanaro 2 bed apartment

The Views AED 2,400,000

L SA

L SA

2 bed apartment

Down Town AED 2,600,000

E

E

Burj Views A

JLT

X3 Commercial Space

AED 93,040

RE

LE

NT

SA Tecom

Auris Hotel 1 bed apartment

AED 1,600,000

Address Dubai Mall Hotel 1 bed apartment

Down Town AED 3,700,000

LE

SA

LE

SA For above listed properties contact

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Properties of the month Falcon City 4 bed apartment

Dubai Land AED 3,600,000

The Atlantic 1 bed apartment

Dubai Marina AED 1,400,000

L SA

L SA

E

E Call Mia 055 2275515

JLT

Green Lakes 1 2 bed apartment

AED 140,000

Call Mia 055 2275515

Legacy 4 bed apartment

Jumeirah Park AED 7,000,000

LE

NT

SA

RE Call Mia 055 2275515

Ocean Heights 2 bed apartment

Dubai Marina AED 135,000

DIFC

Emirates Financial Tower AED 240,000

NT RE

NT RE Call Alex 055 5075020

30

Call Mehdi 055 5075040

Call Alex 055 5075020

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

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.

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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 1,375,000 for 1 B/R and AED 1,800,000 for 2 B/R apartments with financing option for 10 years.

Community Property Name

Two Towers

Two Towers

1

2

Reference Number

AP1123

AP1124

Contact Number

04 33 22248

04 33 22248

Price (AED) Number of Bedroom(s) BUA (in Sq.ft.)

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T W O

T O W E R S

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

LAUNDRY

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

EN TR AN CE

GU EST BE DROOM

EN S. 1

2

TYPICAL FLOORS: 3RD TO 21ST

1

3

6

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

32

5

Valoran Real Estate Brokers Issue No. 11 - Nov. 2013

T W O

T O W E R S

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

KITCH EN L IVING/ DI NING ROO M

ENT RANC E

GUE ST

LAUNDRY

BEDROO M II

ENS. II

BEDROO M

ENS. I

2

1

3

6

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

5

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Valoran Valoran Real Real Estate Estate Bro Brokers kers

Your YourLifestyle LifestyleBroker Broker

FAC T S SH E E T O N E - B E D R O O M

A N D

T W O - B E D R O O M

BEDROOM

A P A R T M E N T

D E T A I L S

BATHROOMS AND GUEST TOILETS

L AY O U T

LAUNDRY CABINETS

SANITARY

S din doo “ti t and ide”, Ita ian mechanism

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MIXERS

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Inc des ashin machine and d e machine, co mn insta ation

FLOORING

FLOORING

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E L E CT RI CA L A PP L IA NCE S

A CCE S S ORI E S

WARDROBES LIGHTING

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LIVING ROOM/ DINING ROOM L AY O U T:

KITCHEN

BALCONY

FLOORING

FLOORING

CABINETS E L E CT R IC A L A P P L IA NC E S

Spain

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B U I L D I N G

AMENITIES

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LIFT LOBBIES

AIR CONDITIONING SYSTEM

FLOORING Spa

CHILLERS Ca ie - E ope desi n and man act in

ELECTRICAL

FAN COIL UNITS (FCU)

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6 ts 3 nits p

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34 34

to e , dedicated to tenants

Valoran Real Real Estate Estate Bro Brokers kers Valoran Issue No. 11 - Nov. 2013 Issue No. 8 - August 2013

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

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‫مبﻮﺟﺐ ﻫﺬا اﻷﺳﻠﻮب‪ ،‬ﻳﺘﻢ ﺣﺴﺎب ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﺑﺎﺳﺘﺨﺪام ﻣﻌﺎدﻟﺔ‪.‬‬ ‫ﻳﺘﻄﻠﺐ اﻷﻣﺮ ﻣﻌﺮﻓﺔ ﺻﺎﰲ اﻟﺪﺧﻞ اﻟﺘﺸﻐﻴﲇ )‪ (NOI‬وﻣﻌﺪل رأس‬ ‫اﳌﺎل‪ ،‬واﻟﺬي ﺗﻄﺮﻗﻨﺎ إﻟﻴﻪ ﰲ ﺗﻘﺮﻳﺮي ﺷﻬﺮ أﻏﺴﻄﺲ وأﻛﺘﻮﺑﺮ‪.‬‬ ‫اﻟﻘﻴﻤﺔ = ﺻﺎﰲ اﻟﺪﺧﻞ اﻟﺘﺸﻐﻴﲇ ÷ ﻣﻌﺪل رأس اﳌﺎل‬

‫ﺑﻨﺎء ﻋﲆ ﺗﻘﻴﻴﻤﻪ ﻣﺎ إذا ﻛﺎن ميﻜﻨﻪ إﺿﺎﻓﺔ ﻗﻴﻤﺔ إﱃ اﻟﻌﻘﺎر ﻟﺘﺤﺴني‬ ‫ﻣﻜﺎﺳﺒﻪ اﳌﺤﺘﻤﻠﺔ‪.‬‬ ‫مبﺠﺮد ﺗﺤﺪﻳﺪ ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ ،‬ﻓﺈن اﳌﺮﺣﻠﺔ اﻟﺘﺎﻟﻴﺔ ﰲ إﻳﺠﺎد وﴍاء ﻋﻘﺎر‬ ‫ﻫﻲ ﻋﻤﻠﻴﺔ إﻋﺪاد وﺗﻘﺪﻳﻢ ﻋﺮض‪ .‬ﰲ ﺗﻘﺮﻳﺮ اﻟﺸﻬﺮ اﳌﻘﺒﻞ‪ ،‬ﺳﻮف ﻧﻮﺿﺢ‬ ‫ﻟﻚ اﻟﺨﻄﻮات اﳌﺨﺘﻠﻔﺔ اﳌﻌﻨﻴﺔ واﻟﻨﺼﺎﺋﺢ اﳌﺘﻌﻠﻘﺔ ﺑﻌﻤﻠﻴﺔ إﻋﺪاد‬ ‫وﺗﻘﺪﻳﻢ ﻋﺮﺿﺎً ﻧﺎﺟﺤﺎً ﻳﻜﻮن ﻣﻘﺒﻮﻻً ﻟﺪى اﻟﺒﺎﺋﻊ ‪.‬‬

‫ﺑﺎﺳﺘﺨﺪام ﻧﻔﺲ اﳌﺜﺎل‪ ،‬اﺳﺘﻨﺎدا ً إﱃ اﻟﺒﻴﺎﻧﺎت اﳌﻘﺪﻣﺔ ﻣﻦ ﻗﺒﻞ اﻟﺒﺎﺋﻊ‪،‬‬ ‫ﺗﺸري اﻟﺘﻘﺪﻳﺮات إﱃ أن ﺻﺎﰲ اﻟﺪﺧﻞ اﻟﺘﺸﻐﻴﲇ ‪ NOI‬ﻟﻠﻌﻘﺎر ‪10،000‬‬ ‫دوﻻر ﰲ اﻟﺴﻨﺔ‪ .‬ﻋﻨﺪ اﻻﺳﺘﻔﺴﺎر ﻣﻦ ﺳامﴎة اﻟﻌﻘﺎرات‪ ،‬ﻛﺎن ﻣﻌﺪل‬ ‫رأس اﳌﺎل ﻟﻌﻘﺎرات ﻣﺸﺎﺑﻬﺔ ﺗﻢ ﺑﻴﻌﻬﺎ ﰲ اﻵوﻧﺔ اﻷﺧرية ‪ 10‬ﰲ اﳌﺎﺋﺔ‪.‬‬ ‫وﻟﺬﻟﻚ‪ ،‬ﻓﺈن ﻗﻴﻤﺔ اﳌﻨﺰل ﰲ إﻃﺎر أﺳﻠﻮب رﺳﻤﻠﺔ اﻟﺪﺧﻞ ﻫﻲ ‪100،000‬‬ ‫دوﻻر‪.‬‬

‫مبﺠﺮد ﺣﺴﺎب ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﺑﺎﺳﺘﺨﺪام ﻛﺎﻓﺔ اﻷﺳﺎﻟﻴﺐ اﻟﺜﻼﺛﺔ‪ ،‬ميﻜﻦ‬ ‫ﺗﻮﻓﻴﻘﻬﺎ ﻗﺒﻞ اﻟﺘﻮﺻﻞ إﱃ ﻗﺮار ‪.‬‬

‫ﺣﻴﺚ أن ﴍاء اﻟﻌﻘﺎر ﻟﻐﺮض اﻻﺳﺘﺜامر وﻟﻴﺲ اﻻﺳﺘﺨﺪام اﻟﺬايت‪ ،‬ﺗﻜﻮن‬ ‫ﻗﻴﻤﺔ رﺳﻤﻠﺔ اﻟﺪﺧﻞ ﻫﻲ اﻷﻫﻢ‪ .‬وﻋﻼوة ﻋﲆ ذﻟﻚ‪ ،‬ﻳﺠﺐ أﺧﺬ ﺑﻴﺎﻧﺎت‬ ‫اﻟﺴﻮق ﰲ اﻹﻋﺘﺒﺎر‪ ،‬ﻷﻧﻬﺎ ﺗﻌﻜﺲ أﺣﺪث اﻻﺗﺠﺎﻫﺎت ﰲ ﻣﺠﺎل ﻣﺒﻴﻌﺎت‬ ‫اﻟﻌﻘﺎرات ﰲ اﳌﻨﻄﻘﺔ‪ .‬إﻻ إذا ﻛﺎﻧﺖ ﺑﻴﺎﻧﺎت اﳌﺒﻴﻌﺎت اﻷﺧرية ﻏري ﻣﺘﺎﺣﺔ‪،‬‬ ‫ميﻜﻦ ﺗﺠﺎﻫﻞ ﺗﻘﻴﻴﻢ اﻟﺘﻜﻠﻔﺔ ‪ .‬ﻟﺬﻟﻚ‪ ،‬ﺑﻌﺪ اﻟﺘﻮﻓﻴﻖ ﺑني اﻷرﻗﺎم و ﺗﺤﻘﻴﻖ‬ ‫اﻟﺘﻮازن ﺑني اﻟﻘﻴﻢ اﳌﺤﺴﻮﺑﺔ مبﻮﺟﺐ أﺳﻠﻮب ﺑﻴﺎﻧﺎت اﻟﺴﻮق ورﺳﻤﻠﺔ‬ ‫اﻟﺪﺧﻞ‪ ،‬ﻳﻜﻮن ﺳﻌﺮ ‪ 105,000‬دوﻻر ﺳﻌﺮا ً ﺟﻴﺪا ً ﻟﴩاء اﻟﻌﻘﺎر ‪.‬‬ ‫ﺑﻄﺒﻴﻌﺔ اﻟﺤﺎل‪ ،‬إذا ﻛﺎن اﻟﺴﻌﺮ اﳌﻄﻠﻮب ﻫﻮ ‪ 110,000‬دوﻻر‪ ،‬ﻗﺪ ﻻ‬ ‫ﻳﻜﻮن اﻟﺒﺎﺋﻊ ﻣﺴﺘﻌﺪا ً ﻟﻘﺒﻮل ‪ 105,000‬دوﻻر‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻓﺈن اﳌﺸﱰي ﰲ‬ ‫ﺣﺎﺟﺔ إﱃ اﺗﺨﺎذ ﻗﺮار‬

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‫ﻗﺪرﻫﺎ ‪ 9،500‬دوﻻر‪ .‬وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻣﻊ اﻷﺧﺬ ﰲ اﻹﻋﺘﺒﺎر ﻗﺮﺑﻪ‬ ‫ﻣﻦ اﻟﻨﺎدي ﻣام ﻳﱰﺗﺐ ﻋﻠﻴﻪ زﻳﺎدة ﻗﺪرﻫﺎ ‪ 5،000‬دوﻻر‪ .‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ‬ ‫أﻧﻪ أﻗﺪم ﻗﻠﻴﻼً‪ ،‬إﻻ أﻧﻪ ﰲ ﺣﺎﻟﺔ ﺟﻴﺪة‪ ،‬ﻟﺬﻟﻚ ﻻ ﻧﺤﺘﺎج إﱃ ﺗﻌﺪﻳﻞ‬ ‫ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻌﻤﺮ‪ .‬وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻓﺈن اﻟﺴﻌﺮ اﳌﻌﺪل ﻳﻜﻮن ‪ 109,500‬دوﻻر‪.‬‬ ‫اﻟﻌﻘﺎر ج‪ :‬مبﺎ أن ﻫﺬا اﻟﻌﻘﺎر ﺟﺪﻳﺪ‪ ،‬واﺳﺘﻨﺎدا ً إﱃ اﻟﺘﻘﺪﻳﺮات اﻟﺘﻲ ﺗﺸري‬ ‫إﱃ أن اﳌﺸﱰﻳﻦ ﺳﻮف ﻳﻜﻮﻧﻮن ﻋﲆ اﺳﺘﻌﺪاد ﻟﺪﻓﻊ ‪ 20،000‬دوﻻر أﻛرث‬ ‫ﺑﺪﻻً ﻣﻦ إﻣﺘﻼك ﻋﻘﺎر ﻋﻤﺮه ﺳﺖ ﺳﻨﻮات‪ ،‬ﻧﺤﺘﺎج إﱃ ﺗﻌﺪﻳﻞ ﻟﺘﺨﻔﻴﺾ‬ ‫اﻟﺴﻌﺮ ‪ 20،000‬دوﻻر‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻧﺤﺘﺎج إﱃ زﻳﺎدة ﻣﻘﺎﺑﻞ اﳌﻮﻗﻊ‬ ‫اﳌﺮﻛﺰي ﻗﻴﻤﺘﻬﺎ )‪ 5،000‬دوﻻر( واﳌﺴﺎﻓﺔ إﱃ اﻟﻨﺎدي )‪ 5،000‬دوﻻر(‪.‬‬ ‫وﺑﺎﻟﺘﺎﱄ‪ ،‬ﻓﺈن اﻟﻘﻴﻤﺔ اﳌﻌﺪﻟﺔ ﺗﻜﻮن ‪ 110,000‬دوﻻر‪.‬‬ ‫ﺑﻌﺪ اﻹﻃﻼع ﻋﲆ اﻟﻨﺘﺎﺋﺞ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﻟﻮاﺿﺢ أن اﻟﺴﻌﺮ اﳌﻄﻠﻮب ﻳﺘامﳾ‬ ‫ﺗﻘﺮﻳﺒﺎً ﻣﻊ اﻟﻌﻘﺎرات اﳌامﺛﻠﺔ‪ .‬ﻣﻦ ﺷﺄﻧﻪ أن ﻳﻜﻮن اﺳﺘﺜامرا ً ﺟﻴﺪا ً إذا ﺗﻢ‬ ‫ﴍاؤه ﻣﻘﺎﺑﻞ ‪ 110،000‬دوﻻر أو أﻗﻞ ‪.‬‬

‫ﺧﻼﻓﺎً ﻷﺳﻠﻮب ﺑﻴﺎﻧﺎت اﻟﺴﻮق‪ ،‬اﻟﺬي ﻳﻌﺘﻤﺪ ﻋﲆ أﺳﻌﺎر اﻟﺒﻴﻊ‪ ،‬ﰲ ﻫﺬا‬ ‫اﻷﺳﻠﻮب ﻳﺘﻢ اﺣﺘﺴﺎب ﻗﻴﻤﺔ اﻟﻌﻘﺎرات ﻣﻦ ﺧﻼل ﺗﻜﺎﻟﻴﻒ اﻻﺳﺘﺒﺪال‪.‬‬ ‫ﻋﻤﻠﻴﺔ اﻟﺘﻘﻴﻴﻢ ﺗﻨﻄﻮي ﻋﲆ اﻟﻨﻈﺮ ﰲ ﻛﻞ ﻋﻨﴫ ﻣﻦ ﻋﻨﺎﴏ اﻟﺘﻜﻠﻔﺔ‪،‬‬ ‫ﻣﺜﻞ اﻷراﴈ واﳌﺒﺎين‪ ،‬ﺑﺸﻜﻞ ﻣﻨﻔﺼﻞ‪ .‬ﺑﺸﻜﻞ ﻋﺎم‪ ،‬ﺗﻨﻄﻮي ﻋﻤﻠﻴﺔ‬ ‫اﻟﺘﻘﻴﻴﻢ ﻋﲆ اﻟﺨﻄﻮات اﻟﺘﺎﻟﻴﺔ‪:‬‬ ‫ﺗﻘﻴﻴﻢ اﻷراﴈ‪ :‬ﻳﺒﺤﺚ اﳌﺜﻤﻦ ﻋﻦ أراﴈ ﺷﺎﻏﺮة ﻣامﺛﻠﺔ ﰲ اﳌﻨﻄﻘﺔ‬ ‫وﻳﻘﻴﻢ ﻗﻴﻤﺘﻬﺎ‪.‬‬ ‫ﺗﻘﻴﻴﻢ اﻟﺘﻜﻠﻔﺔ اﻟﺤﺎﻟﻴﺔ ﻟﻠﺒﻨﺎء‪ :‬ﺛﻢ ﻳﻘﻮم ﺑﺘﻘﺪﻳﺮ ﺗﻜﻠﻔﺔ ﺑﻨﺎء ﻋﻘﺎر‬ ‫ﻣامﺛﻞ‪ ،‬ﻻ ﻳﺄﺧﺬ ﰲ اﻻﻋﺘﺒﺎر اﻻﺳﺘﻬﻼك ‪.‬‬

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‫اﻻﺳﺘﻬﻼك‪ :‬ﻳﺘﻢ اﺣﺘﺴﺎب ﻗﻴﻤﺔ ﺟﻤﻴﻊ أﺷﻜﺎل اﻻﺳﺘﻬﻼك‪ .‬وﻫﺬا ﻳﺸﻤﻞ‬ ‫اﻻﺳﺘﻬﻼك اﻟﻨﺎﺟﻢ ﻋﻦ اﻟﺘﺂﻛﻞ اﻟﻄﺒﻴﻌﻲ‪ ،‬اﻟﺘﺼﺪع‪ ،‬ﻗﺪم اﻟﻮﻇﻴﻔﺔ ﺑﺴﺒﺐ‬ ‫اﻟﺘﻐري ﰲ ﺗﻔﻀﻴﻼت اﻟﻌﻤﻼء )ﻋﲆ ﺳﺒﻴﻞ اﳌﺜﺎل‪ ،‬ﺷﻘﺔ ﺑﺪون ﻣﺼﻌﺪ(‬ ‫واﻟﻌﻮاﻣﻞ اﻟﺨﺎرﺟﻴﺔ ) اﻧﺨﻔﺎض ﰲ اﻟﻘﻴﻤﺔ ﻧﺘﻴﺠﺔ ﻹﻧﺘﻘﺎل ﻋﺪد ﻛﺒري ﻣﻦ‬ ‫اﳌﻮﻇﻔني ﰲ اﳌﻨﻄﻘﺔ إﱃ ﺟﺰء أﺧﺮ ﻣﻦ اﳌﺪﻳﻨﺔ(‪.‬‬ ‫ﺣﺴﺎب ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ :‬ﺑﻌﺪ ﺧﺼﻢ اﻻﺳﺘﻬﻼك اﻟﻜﲇ ﻣﻦ ﺗﻜﻠﻔﺔ اﳌﺒﻨﻰ‪،‬‬ ‫ﻧﻀﻴﻔﻪ إﱃ ﺗﻜﻠﻔﺔ اﻷرض ﻟﻨﺤﺼﻞ ﻋﲆ ﻗﻴﻤﺔ اﻟﻌﻘﺎر ‪.‬‬ ‫ﺑﺎﺳﺘﺨﺪام ﻧﻔﺲ اﳌﺜﺎل اﳌﺴﺘﺨﺪم ﰲ أﺳﻠﻮب ﺑﻴﺎﻧﺎت اﻟﺴﻮق‪ ،‬ﺑﺎﻟﻨﺴﺒﺔ‬ ‫ﳌﻨﺰل ﻣﻜﻮن ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم وﺣامﻣني ﺿﻤﻦ ﺗﺠﻤﻊ ﺳﻜﻨﻲ ﰲ‬ ‫ﻓﻠﻮرﻳﺪا‪ ،‬ﺗﻘﺪر ﺗﻜﻠﻔﺔ اﻷرض ﺑﺤﻮاﱄ ‪ 40،000‬دوﻻر‪ .‬ﻣﺴﺎﺣﺔ اﻟﺒﻴﺖ‬ ‫‪ 1600‬ﻗﺪم ﻣﺮﺑﻊ‪ ،‬واﻟﺘﻜﺎﻟﻴﻒ اﳌﻘﺪرة ﻟﺒﻨﺎء اﻟﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ ﻫﻲ‬ ‫‪ 70‬دوﻻرا ً‪ ،‬وﻟﻜﻦ ﰲ ﺣﺴﺎب اﻻﺳﺘﻬﻼك‪ ،‬ﺣﻴﺚ أن اﻟﻌﻘﺎر ﻋﻤﺮه ﺳﺖ‬ ‫ﺳﻨﻮات‪ ،‬ميﻜﻦ أن ﺗﻨﺨﻔﺾ ﺗﻜﺎﻟﻴﻒ ﺑﻨﺎء اﻟﻘﺪم اﳌﺮﺑﻊ اﻟﻮاﺣﺪ اﱃ ‪60‬‬ ‫دوﻻرا ً‪ .‬وﺑﻨﺎء ﻋﲆ ﻫﺬا‪ ،‬ﻓﺈن ﻗﻴﻤﺔ ﻫﺬا اﻟﻌﻘﺎر‪ ،‬وﻓﻘﺎ ﻷﺳﻠﻮب اﻟﺘﻜﻠﻔﺔ‪،‬‬ ‫ﺗﻜﻮن ‪ 136,000‬دوﻻر‪.‬‬

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‫ﻫﺬا اﻟﺪرس ﻳﻮﺿﺢ ﻟﻚ ﻛﻴﻔﻴﺔ ﺣﺴﺎب ﺻﺎﰲ اﻟﺪﺧﻞ اﻟﺘﺸﻐﻴﲇ ﻟﻠﻌﻘﺎر‬ ‫ﻣﻦ ﺧﻼل ﺗﺤﺪﻳﺪ اﻟﺪﺧﻞ و اﳌﴫوﻓﺎت اﻟﺘﺸﻐﻴﻠﻴﺔ‪ .‬وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪،‬‬ ‫ﺳﻮف ﻧﺘﻌﺮف ﻋﲆ ﻛﻴﻔﻴﺔ ﺣﺴﺎب اﻟﺘﺪﻓﻖ اﻟﻨﻘﺪي اﻟﻔﻌﲇ اﻟﻨﺎﺗﺞ ﻣﻦ‬ ‫اﻟﻌﻘﺎر‪ .‬ﻫﺎﺗﺎن اﻟﻌﻤﻠﻴﺘﺎن اﻟﺤﺴﺎﺑﻴﺘﺎن‪ ،‬ﻣﻊ إﴍاك ﺑﻌﺾ اﻟﻌﻤﻠﻴﺎت‬ ‫اﻟﺤﺴﺎﺑﻴﺔ اﻷﺧﺮى‪ ،‬ﺗﻌﺪ أﻣﺮا ً ﴐورﻳﺎً ﺣﻴﺚ أﻧﻬﺎ ﻫﻲ اﻟﻠﺒﻨﺎت اﻷﺳﺎﺳﻴﺔ‬ ‫ﻟﻠﻨﻬﺞ اﳌﺸﱰك اﻟﺬي ﻳﺴﺘﺨﺪﻣﻪ اﳌﺜﻤﻨﻮن اﳌﺤﱰﻓﻮن ﻟﺘﺤﺪﻳﺪ ﻗﻴﻤﺔ‬ ‫اﻟﻌﻘﺎر‪.‬‬

‫اﺳﺘﻨﺎدا إﱃ اﳌﻔﻬﻮم اﻻﻗﺘﺼﺎدي ﻟﻺﺣﻼل‪ ،‬ﻳﺴﺘﻨﺪ ﻫﺬا اﻷﺳﻠﻮب ﻋﲆ‬ ‫اﻓﱰاض أن ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﺳﺘﻜﻮن ﻣﺴﺎوﻳﺔ ﻟﻌﻘﺎر ﻣامﺛﻞ ﻟﻪ ﻧﻔﺲ‬ ‫اﳌﻤﻴﺰات‪ .‬ﰲ ﺣني أﻧﻪ ﻣﻦ اﳌﺴﺘﺤﻴﻞ أن ﺗﺠﺪ اﺛﻨني ﻣﻦ اﻟﻌﻘﺎرات‬ ‫اﳌﺘﻄﺎﺑﻘﺔ ﻣﻦ ﺣﻴﺚ اﻟﻌﻤﺮ‪ ،‬اﳌﻮاﺻﻔﺎت واﳌﺰاﻳﺎ‪ ،‬إﻻ أﻧﻪ ﻣﻦ اﳌﻤﻜﻦ‬ ‫إﺟﺮاء ﺗﻌﺪﻳﻼت ﻋﲆ اﻟﺴﻌﺮ ﺑﻌﺪ ﻣﻘﺎرﻧﺔ اﻟﻌﻘﺎرات اﻟﺘﻲ ﺗﻜﺎد ﺗﻜﻮن‬ ‫ﻣﺘﺸﺎﺑﻬﺔ ‪.‬‬ ‫ميﻜﻦ ﻣﻘﺎرﻧﺔ ﻋﻤﻠﻴﺔ اﻟﺘﻘﻴﻴﻢ ﺑﺎﻷﺑﺤﺎث اﻟﺘﻲ ﻳﻘﻮم ﺑﻬﺎ اﳌﺸﱰي ﻗﺒﻞ‬ ‫ﴍاء اﻷﺟﻬﺰة اﳌﻨﺰﻟﻴﺔ‪ .‬ﺣﻴﺚ ﻳﻘﺎرن اﳌﻤﻴﺰات ﻣﻊ اﻟﺴﻌﺮ وﻣﻦ ﺛﻢ ﻳﻘﺮر‬ ‫ﻣﺎ ﻫﻮ اﻟﺠﻬﺎز اﻷﻓﻀﻞ ﻟﻪ ﻣﻦ ﺣﻴﺚ اﻟﺘﻮازن ﺑني اﳌﻤﻴﺰات اﻟﺘﻲ ﻳﺒﺤﺚ‬ ‫ﻋﻨﻬﺎ‪.‬‬ ‫وﺟﻮد اﻟﺒﻴﺎﻧﺎت اﻟﺴﻮﻗﻴﺔ ﻟﻠﻌﻘﺎرات اﻟﺘﻲ ﺗﻢ ﺑﻴﻌﻬﺎ ﰲ اﻵوﻧﺔ اﻷﺧرية ﻫﻲ‬ ‫ﻧﻘﻄﺔ اﻟﺒﺪاﻳﺔ ﻟﺘﻘﻴﻴﻢ ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻳﻌﺪ ﻣﻦ‬ ‫اﻟﴬوري ﺗﻌﻴني اﻟﻘﻴﻤﺔ اﻟﻨﻘﺪﻳﺔ ﻟﻜﻞ ﻣﻴﺰة أو ﻣﻨﻔﻌﺔ ‪ -‬ﻋﺎدة ﻣﺎ ﺗﻜﻮن‬ ‫اﻟﻘﻴﻤﺔ اﻹﺿﺎﻓﻴﺔ اﻟﺘﻲ ﻳﻜﻮن اﳌﺸﱰي ﻋﲆ اﺳﺘﻌﺪاد ﻟﺪﻓﻌﻬﺎ مثﻨﺎً ﻟﻬﺬه‬ ‫اﳌﻴﺰة‪ .‬وﻳﺘﻀﺢ ﻫﺬا اﻷﺳﻠﻮب أﻓﻀﻞ ﻣﻦ ﺧﻼل ﻃﺮح ﻣﺜﺎل ﻋﲆ ذﻟﻚ‪،‬‬ ‫ﻛام ﻫﻮ ﻣﺒني أدﻧﺎه ‪.‬‬

‫ﻣﺸﱰي‪ ،‬ﻳﺒﺤﺚ ﻋﻦ اﺳﺘﺌﺠﺎر اﻟﻌﻘﺎرات ﻟﻼﺳﺘﺜامر وﺟﺪ ﻣﻨﺰﻻً ﻣﻜﻮن‬ ‫ﻣﻦ ﺛﻼث ﻏﺮف ﻧﻮم وﺣامﻣني ﰲ ﻣﺠﺘﻤﻊ ﻓﻠﻮرﻳﺪا‪ ،‬ﻋﻤﺮه ﺳﺖ ﺳﻨﻮات‪،‬‬ ‫ﰲ ﺣﺎﻟﺔ ﺟﻴﺪة‪ ،‬وﻳﻘﻊ ﻋﲆ زاوﻳﺔ وﻋﲆ ﻣﻘﺮﺑﺔ ﻣﻦ اﻟﻨﺎدي‪ .‬اﻟﺴﻌﺮ‬ ‫اﳌﻄﻠﻮب ﻟﻠﻤﻨﺰل ﻫﻮ ‪ 110,000‬دوﻻر‪ .‬ﻣﻦ أﺟﻞ ﺗﻘﻴﻴﻢ ﻣﺎ إذا ﻛﺎن ﻫﺬا‬ ‫اﻟﺴﻌﺮ ﺟﻴﺪا ً‪ ،‬ﻳﺠﺐ ﻋﲆ اﳌﺸﱰي أن ﻳﻘﻮم ﺑﺒﻌﺾ اﻷﺑﺤﺎث وﻳﺠﻤﻊ‬ ‫اﻟﺘﻔﺎﺻﻴﻞ ﻋﻦ ﺛﻼﺛﺔ ﻣﻨﺎزل ﰲ ﻫﺬا اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ ﺗﻢ ﺑﻴﻌﻬﺎ ﻣﺆﺧﺮا ً‬ ‫)اﻟﺘﻔﺎﺻﻴﻞ ﰲ اﻟﺠﺪول أدﻧﺎه(‪.‬‬ ‫ﻛام ﻫﻮ واﺿﺢ‪ ،‬ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن ﺟﻤﻴﻊ اﻟﻌﻘﺎرات ﺗﻘﻊ داﺧﻞ اﻟﺘﺠﻤﻊ‬ ‫اﻟﺴﻜﻨﻲ ﻧﻔﺴﻪ‪ ،‬ﻓﺈﻧﻬﺎ ﺗﺨﺘﻠﻒ ﻣﻦ ﺣﻴﺚ اﳌﻴﺰات‪ ،‬اﳌﻮﻗﻊ واﻟﻌﻤﺮ‪ .‬ﻋﻦ‬ ‫ﻃﺮﻳﻖ اﻟﻘﻴﺎم ﺑﺎﻟﺘﻌﺪﻳﻼت‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﳌﻤﻜﻦ أن ﻧﺼﻞ إﱃ ﺳﻌﺮ أﻛرث‬ ‫واﻗﻌﻴﺔ ﻳﺠﻌﻞ اﳌﻘﺎرﻧﺔ أﺳﻬﻞ‪ .‬ميﻜﻦ اﻟﻘﻴﺎم ﺑﺬﻟﻚ ﻋﻦ ﻃﺮﻳﻖ ﺗﺤﺪﻳﺪ‬ ‫اﻟﻌﻮاﻣﻞ اﳌﺨﺘﻠﻔﺔ اﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺆﺛﺮ ﻋﲆ ﻗﻴﻤﺔ اﻟﻌﻘﺎر‪ ،‬ﻣﺜﻞ‬ ‫اﻟﻔﻮاﺋﺪ اﳌﺘﺼﻮرة اﻟﺘﻲ ﻗﺪ ﻳﻜﻮن اﳌﺸﱰي ﻋﲆ اﺳﺘﻌﺪاد ﻟﺪﻓﻊ اﳌﺰﻳﺪ‬ ‫مثﻨﺎً ﻟﻬﺎ أو ﻋﻴﻮب ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﻘﻠﻞ ﻣﻦ ﻗﻴﻤﺔ اﻟﻌﻘﺎر ﰲ ﻧﻈﺮ اﳌﺸﱰي‪.‬‬ ‫ميﻜﻦ ﺗﻌﻴني ﻗﻴﻢ اﻟﺘﻌﺪﻳﻼت ﻟﻜﻞ ﻣﻌﻴﺎر ﻣﻦ اﳌﻌﺎﻳري ذات اﻟﺼﻠﺔ واﻟﺘﻲ‬ ‫ﺗﺴﻬﻞ ﻣﻦ ﻋﻤﻠﻴﺔ اﻟﺘﻘﻴﻴﻢ‪.‬‬ ‫اﻟﻌﻘﺎر أ‪ :‬مبﺎ أﻧﻪ ﺗﻢ ﺑﻴﻊ ﻫﺬا اﻟﻌﻘﺎر ﻣﻨﺬ ﺳﺘﺔ أﺷﻬﺮ‪ ،‬و زادت أﺳﻌﺎر‬ ‫اﻟﺴﻮق ﺑﻨﺤﻮ ‪ 4‬ﰲ اﳌﺎﺋﺔ ﻣﻨﺬ ذﻟﻚ اﻟﺤني‪ ،‬ﻓﺈﻧﻪ ميﻜﻦ اﻓﱰاض أن ﻗﻴﻤﺘﻪ‬ ‫ﰲ اﻟﺴﻮق اﻟﻴﻮم ﻗﺪ زادت مبﻘﺪار ‪ 4,000‬دوﻻر‪ .‬وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪،‬‬ ‫ﻟﺘﺴﻬﻴﻞ اﳌﻘﺎرﻧﺔ أﻛرث‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﻟﴬوري أن ﻧﺄﺧﺬ ﻋﺎﻣﻞ اﻟﺤﺎﻟﺔ اﻟﻌﺎﻣﺔ‬ ‫)‪ 4,000‬دوﻻر(‪ ،‬واﻟﻘﺮب ﻣﻦ اﻟﻨﺎدي )‪ 5،000‬دوﻻر(‪ ،‬وﻟﻪ ﻣﻮﻗﻊ ﻣﺮﻛﺰي‬ ‫)‪ 5،000‬دوﻻر(‪ .‬ﻟﺬﻟﻚ‪ ،‬ﻓﺈن اﻟﺴﻌﺮ اﳌﻌﺪل ﻟﻬﺬا اﻟﻌﻘﺎر ﻳﻜﻮن ‪118,000‬‬ ‫دوﻻر‪.‬‬ ‫اﻟﻌﻘﺎر ب‪ :‬ﺗﻢ ﺑﻴﻊ ﻫﺬا اﳌﻨﺰل ﻣﻨﺬ ﻋﴩة أﺷﻬﺮ‪ ،‬و زادت أﺳﻌﺎر‬ ‫اﻟﻌﻘﺎرات ﺑﻨﺴﺒﺔ ‪ 10‬ﰲ اﳌﺎﺋﺔ ﻣﻨﺬ ذﻟﻚ اﻟﺤني‪ .‬وﻫﺬا ﻳﺘﻄﻠﺐ زﻳﺎدة‬

‫‪6‬‬ ‫‪6‬‬

‫‪6‬‬

‫‪10‬‬

‫‪23‬‬

‫‪-‬‬

‫‪3‬‬ ‫ﰲ ﺗﻘﺮﻳﺮ اﻛﺘﻮﺑﺮ‪ ،‬ﻏﻄﻴﻨﺎ ﻋﻤﻠﻴﺔ ﺣﺴﺎب ﺻﺎﰲ اﻟﺪﺧﻞ اﻟﺘﺸﻐﻴﲇ‪ ،‬وﻫﻮ أﻣﺮ ﻣﻬﻢ ﻻﺳﺘﺨﺪام اﻟﻨﻬﺞ اﳌﺸﱰﻛﺔ‬ ‫اﻷﺧﺮى ﻟﺘﻘﻴﻴﻢ اﻟﻌﻘﺎرات‪ ،‬واﻟﺘﻲ ﻳﺴﺘﺨﺪﻣﻬﺎ ﻣﺤﱰﻓﻮا ﺗﻘﻴﻴﻢ اﻟﻌﻘﺎرات‪ .‬ﻫﺬا اﻟﺸﻬﺮ‪ ،‬ﺳﻮف ﻧﻮﺿﺢ ﻟﻚ ﻫﺬه‬ ‫اﻷﺳﺎﻟﻴﺐ ﺑﺎﻟﺘﻔﺼﻴﻞ ﺑﺤﻴﺚ ميﻜﻨﻚ ﻣﻌﺮﻓﺔ ﻛﻴﻔﻴﺔ ﺗﻘﻴﻴﻢ اﻟﻌﻘﺎرات اﻻﺳﺘﺜامرﻳﺔ ﻋﻠﻤﻴﺎً ﺣﻴﺚ أن ﻫﺬه اﻷﺳﺎﻟﻴﺐ‬ ‫ﺗﺴﺎﻋﺪ ﰲ اﻟﺘﻮﺻﻞ إﱃ اﻟﻘﻴﻢ اﻟﺤﺎﻟﻴﺔ اﻷﻛرث دﻗﺔ‪.‬‬

‫‪www.valoran.ae‬‬

Valoran Real Estate Brokers Your Lifestyle Broker

180

24

120

16

60

8

0

0

-60

-8

-120

08

09

10

Take-Up (net) Future supply

21

11

12

13F

Completions Vacancy Rate

-16

Percent

Thousand Sq. m

Physical Indicators

-

.

.

www.valoran.ae

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﺧﻔﺾ اﻟﺒﻨﻚ اﳌﺮﻛﺰي أﺳﻌﺎر اﻟﻔﺎﺋﺪة إﱃ ‪ 1.25‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻹﻋﻄﺎء دﻓﻌﺔ ﻟﻼﻗﺘﺼﺎد‪ ،‬ومنﻰ ﺳﻮق اﻟﺮﻫﻦ اﻟﻌﻘﺎري ﺑﺸﻜﻞ‬ ‫ﻣﻠﺤﻮظ ﻣﻊ ﺟﻌﻞ اﻟﻘﺮوض اﻟﻌﻘﺎرﻳﺔ أﻛرث ﺳﻬﻮﻟﺔ ‪.‬‬ ‫ﻋﺎﺋﺪ اﻹﻳﺠﺎر ﻣﻦ اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﻣﻨﺨﻔﺾ ﺟﺪا ً ﰲ ﺗﺎﻳﻮان‪ ،‬ﻣﻊ‬ ‫إﺟامﱄ ﻋﺎﺋﺪات ﻳﺒﻠﻎ ﰲ اﳌﺘﻮﺳﻂ ﺣﻮاﱄ ‪ 2‬ﰲ اﳌﺎﺋﺔ‪ .‬ﰲ ﻇﻞ أﺳﻌﺎر‬ ‫اﻟﴩاء اﻟﺘﻲ ﺗﱰاوح ﺑني ‪ 7,200‬دوﻻر‪ ،‬إﱃ ‪ 9,200‬دوﻻر‪ ،‬ﻓﺈن ﺷﻘﺔ‬ ‫ﺳﻜﻨﻴﺔ ﺑﻘﻴﻤﺔ ‪ 1.8‬ﻣﻠﻴﻮن دوﻻر ﺳﻮف ﺗﺤﻘﻖ ﻋﺎﺋﺪات إﻳﺠﺎرﻳﺔ ﺗﺒﻠﻎ‬ ‫ﻗﻴﻤﺘﻬﺎ ‪ 2,200‬دوﻻر ﺷﻬﺮﻳﺎً‪ .‬وﻫﺬا ﻳﺠﻌﻠﻬﺎ ﻏري ﺟﺬاﺑﺔ ﺑﺎﻟﻨﺴﺒﺔ‬ ‫ﻟﻠﻤﺴﺘﺜﻤﺮﻳﻦ اﻟﺬﻳﻦ ﻳﺒﺤﺜﻮن ﻋﻦ ﻛﺴﺐ إﻳﺮادات اﻹﻳﺠﺎر ﻣﻦ‬ ‫اﺳﺘﺜامراﺗﻬﻢ ‪.‬‬

‫ارﺗﻔﻌﺖ إﻳﺠﺎرات اﻟﻔﺌﺔ ‪ A‬ﻣﻦ اﳌﺴﺎﺣﺎت اﳌﻜﺘﺒﻴﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ‬ ‫ﻋﺎم ‪ 2013‬ﰲ ﺗﺎﻳﺒﻴﻪ ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬اﻧﺨﻔﺾ ﻋﺪد ﻋﻘﻮد اﻹﻳﺠﺎر اﻟﺠﺪﻳﺪة‬ ‫أو اﻹﺣﺘﻔﺎظ مبﺎ ﺗﻢ اﻟﺘﻌﺎﻗﺪ ﻋﻠﻴﻪ ﻟﺘﻨﺨﻔﺾ اﳌﺴﺎﺣﺔ اﻹﺟامﻟﻴﺔ ‪16،000‬‬ ‫ﺑﻴﻨﻎ ﰲ اﻟﺮﺑﻊ اﻷول ﻣﻦ ﻋﺎم ‪ 2013‬إﱃ ‪ 3،700‬ﺑﻴﻨﻎ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين‪.‬‬ ‫وﻋﲆ اﻟﺮﻏﻢ ﻣﻦ اﻧﺨﻔﺎض ﻣﻌﺪل اﻹﺣﺘﻔﺎظ‪ ،‬اﻧﺨﻔﺾ ﻣﻌﺪل اﻟﺸﻐﻮر‬ ‫ﺑﻨﺴﺒﺔ ‪ 0.7‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﺮﺑﻊ اﻷول ﻣﻦ ﻋﺎم ‪ 2013‬ﻟﻴﺼﻞ إﱃ ‪10.3‬‬ ‫ﰲ اﳌﺎﺋﺔ‪ .‬واﻟﺴﺒﺐ ﰲ ذﻟﻚ ﻗﺪ ﻳﻜﻮن ﻋﺪم وﺟﻮد إﻣﺪادات ﺟﺪﻳﺪة ﰲ‬ ‫ﺳﻮق اﳌﻜﺎﺗﺐ‪ ،‬وﻟﻜﻦ ﻫﻨﺎك ﺛﻼﺛﺔ ﻣﺸﺎرﻳﻊ ﺟﺎرﻳﺔ واﻟﺘﻲ ﻣﻦ اﳌﺘﻮﻗﻊ أن‬ ‫ﻳﺘﻢ اﻻﻧﺘﻬﺎء ﻣﻨﻬﺎ ﰲ اﻟﻨﺼﻒ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ 2013‬وﺳﻮف ﺗﻀﻴﻒ ﻣﺎ‬

‫ﻳﻘﺮب ﻣﻦ ‪ 27،000‬ﺑﻴﻨﻎ إﱃ ﺳﻮق اﳌﻜﺎﺗﺐ ‪.‬‬ ‫ﰲ ﺣني ﻳﺮﻓﻊ اﳌﻼك ﻣﻦ اﻹﻳﺠﺎرات ﰲ اﳌﺒﺎين اﻟﺠﺪﻳﺪة‪ ،‬ﻓﺈن ﻣﻌﻈﻢ‬ ‫اﻟﴩﻛﺎت ﺗﻘﻮم ﺑﺘﺠﺪﻳﺪ ﻋﻘﻮد اﻹﻳﺠﺎر اﻟﻘﺪميﺔ ﺑﺪﻻً ﻣﻦ اﻟﺒﺤﺚ ﻋﻦ‬ ‫أﻣﺎﻛﻦ ﺟﺪﻳﺪة ﺑﺴﻌﺮ أﻋﲆ‪ .‬ﺑﻌﺾ اﳌﺒﺎين ﰲ اﳌﻨﺎﻃﻖ اﻟﻮﺳﻄﻰ‪ ،‬اﻟﺘﻲ‬ ‫ﺗﻌﺎين ﻣﻦ اﻧﺨﻔﺎض اﻟﻄﻠﺐ وارﺗﻔﺎع اﻻﻳﺠﺎرات‪ ،‬ﻛﺎﻧﺖ ﻣﺴﺆوﻟﺔ ﻋﻦ‬ ‫اﻟﺰﻳﺎدة اﻟﻬﺎﻣﺸﻴﺔ ﰲ اﻹﻳﺠﺎرات ﺑﻨﺴﺒﺔ ‪ 0.5‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﻣﻊ اﻟﺮﺑﻊ‬ ‫اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ ،2012‬ﺑﻠﻎ ﻣﺘﻮﺳﻂ اﻹﻳﺠﺎرات اﻟﺸﻬﺮﻳﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين‬ ‫ﻣﻦ ﻋﺎم ‪ 2013‬إﱃ ‪ 2,444‬دوﻻر ﺗﺎﻳﻮاين ﻟﻠﺒﻴﻨﻎ‪.‬‬ ‫وﺗﺮاﺟﻌﺖ أﺣﺠﺎم اﻻﺳﺘﺜامرات ﰲ ﺳﻮق اﳌﻜﺎﺗﺐ ﰲ ﺗﺎﻳﻮان‪ ،‬وﺗﺤﺪﻳﺪا‬ ‫ﰲ ﺗﺎﻳﺒﻴﻪ‪ .‬ﺣﺘﻰ ﻧﻮﻓﻤﱪ ﻣﻦ ﻋﺎم ‪ ،2012‬ﻣﺜﻠﺖ ﴍﻛﺎت اﻟﺘﺄﻣني ﻧﺤﻮ ‪40‬‬ ‫ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻣﺸﱰﻳﺎت اﻟﻌﻘﺎرات اﻟﺘﺠﺎرﻳﺔ ﰲ ﺗﺎﻳﺒﻴﻪ‪ .‬وﰲ وﻗﺖ ﻻﺣﻖ‪،‬‬ ‫وﺿﻌﺖ اﻟﺤﻜﻮﻣﺔ اﻟﻘﻴﻮد اﻟﺘﻲ ﻣﻨﻌﺖ ﴍﻛﺎت اﻟﺘﺄﻣني ذات اﳌﺨﺎﻟﻔﺎت‬ ‫اﳌﺎﻟﻴﺔ ﻣﻦ اﻻﺳﺘﺜامر ﰲ اﻟﻌﻘﺎرات اﻟﺘﺠﺎرﻳﺔ ﰲ ﻣﺤﺎوﻟﺔ ﻹﺑﻘﺎء اﻷﺳﻌﺎر‬ ‫ﺗﺤﺖ اﻟﺴﻴﻄﺮة‪ .‬ﰲ ﺣني أن ﺑﻌﺾ ﻫﺬه اﻟﻘﻴﻮد ﻗﺪ رﻓﻌﺖ‪ ،‬ﻻ ﻳﺰال ﻫﻨﺎك‬ ‫ﺑﻨﺪ ميﻨﻊ ﴍﻛﺎت اﻟﺘﺄﻣني اﳌﺤﻠﻴﺔ ﻣﻦ ﴍاء اﻟﻌﻘﺎرات ﻣﺎ مل ﺗﺘﻤﻜﻦ ﻣﻦ‬ ‫ﺗﺤﻘﻴﻖ ﻋﺎﺋﺪات أﻛﱪ ﻣﻦ ‪ 2.875‬ﰲ اﳌﺎﺋﺔ ‪.‬‬ ‫ﻣﻊ اﻟﺘﻐﻴريات اﳌﺘﻜﺮرة ﻟﻠﻘﻮاﻧني ﻣﻦ ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ‪ ،‬اﳌﺴﺘﺜﻤﺮون اﻟﺬﻳﻦ‬ ‫ﻳﺒﺤﺜﻮن ﻋﻦ ﴍاء اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ ﻳﻨﺘﻈﺮون وﻳﱰﻗﺒﻮن ﺣﺘﻰ ﺗﺼﺒﺢ‬ ‫اﻟﺴﻮق واﻟﺒﻴﺌﺔ أﻛرث ﻣﻼءﻣﺔ ﻟﻼﺳﺘﺜامرات ‪.‬‬

‫‪Loans for House Purchase‬‬ ‫‪40‬‬

‫‪6,000‬‬

‫‪35‬‬

‫‪5,000‬‬

‫‪30‬‬

‫‪4,000‬‬

‫‪25‬‬

‫‪3,000‬‬

‫‪20‬‬

‫‪2,000‬‬

‫‪15‬‬

‫‪1,000‬‬

‫‪10‬‬

‫‪0‬‬ ‫‪‘13‬‬

‫‪‘12‬‬

‫‪‘11‬‬

‫)‪% of GDP (right scale‬‬

‫‪‘10‬‬

‫‪‘09‬‬

‫‪‘08‬‬

‫‪‘07‬‬

‫‪‘06‬‬

‫‪‘05‬‬

‫‪‘04‬‬

‫‪‘03‬‬

‫‪‘02‬‬

‫‪‘01‬‬

‫)‪$NT billion (left scale‬‬ ‫‪Source: Central Bank of China-Taiwan‬‬

‫‪19‬‬

‫‪-‬‬

‫ﻛام ورد ﰲ ﺑﻴﺎﻧﺎت ﺳﻴﻨﻲ ﻟﻠﺘﺨﻄﻴﻂ واﻟﺒﺤﻮث اﻟﻌﻘﺎرﻳﺔ‪ ،‬ﺣﻘﻖ ﻣﺆﴍ‬ ‫أﺳﻌﺎر اﳌﻨﺎزل ﰲ ﺗﺎﻳﻮان منﻮا ً ﻗﺪره ‪ 7.45‬ﰲ اﳌﺎﺋﺔ ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ‬ ‫ﻋﺎم ‪ .2013‬ﰲ ﺣني أن اﻟﺰﻳﺎدات ﰲ اﻷﺳﻌﺎر ﰲ ﺗﺎﻳﺒﻴﻪ ﻛﺎﻧﺖ ﺣﻮاﱄ‬ ‫‪ 11.51‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﺳﺠﻠﺖ ﻣﻌﻈﻢ اﳌﻨﺎﻃﻖ اﻷﺧﺮى زﻳﺎدات أﻋﲆ‪ ،‬ﺣﻴﺚ‬ ‫ﺳﺠﻠﺖ ﻛﺎوﺷﻴﻮﻧﻎ وﺗﺎوﻳﻮان أﻋﲆ منﻮ ﰲ اﻷﺳﻌﺎر ﺑﻠﻐﺖ ﻧﺴﺒﺘﻪ ‪26.34‬‬ ‫ﰲ اﳌﺎﺋﺔ و ‪ 20.81‬ﰲ اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ ‪.‬‬ ‫ﰲ اﻟﻌﺎﺻﻤﺔ‪ ،‬ﺗﺎﻳﺒﻴﻪ‪ ،‬واﻟﺘﻲ ﺗﻌﺪ أﻏﲆ ﺳﻮق ﻋﻘﺎرات ﺳﻜﻨﻴﺔ ﰲ ﺗﺎﻳﻮان‪،‬‬ ‫‪2013‬‬ ‫‪Growth‬‬

‫‪No.‬‬

‫‪City‬‬

‫‪1‬‬ ‫‪New North‬‬

‫‪2‬‬

‫‪4‬‬ ‫‪5‬‬ ‫‪6‬‬

‫‪:‬‬

‫ﺑﻠﻐﺖ أﺳﻌﺎر اﳌﺴﺎﻛﻦ ﰲ ﻳﻮﻧﻴﻮ ‪ 2013‬ﻣﺘﻮﺳﻂ ‪ 21,870‬دوﻻر‪ ،‬أو‬ ‫ﺣﻮاﱄ ‪ 655,000‬دوﻻر ﺗﺎﻳﻮاين ﻟﻠﺒﻴﻨﻎ – وﺣﺪة اﻟﻘﻴﺎس اﻟﻌﺮﰲ‬ ‫اﳌﺴﺘﺨﺪﻣﺔ ﰲ ﺗﺎﻳﻮان اﻟﺘﻲ ﺗﻌﺎدل ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 3.306‬ﻣﱰ ﻣﺮﺑﻊ‪.‬‬ ‫ﺑﺎﳌﻘﺎرﻧﺔ‪ ،‬ﻣﻊ ﺳﻌﺮ اﻟﺒﻴﻨﻎ ﰲ ﻣﺪﻳﻨﺔ ﺗﺎﻳﺒﻴﻪ اﻟﺠﺪﻳﺪة اﻟﺬي ﺑﻠﻐﺖ ﻗﻴﻤﺘﻪ‬

‫‪Houses, New Taipei, Taiwan‬‬

‫‪www.valoran.ae‬‬

‫‪ 11,186‬دوﻻر‪ ،‬أو ﺣﻮاﱄ ‪ .335,000‬ﰲ ﻛﺎوﻫﺴﻴﻮﻧﻎ ‪ -‬ﺛﺎﻟﺚ أﻏﲆ‬ ‫ﻣﻨﻄﻘﺔ ‪ -‬ﻛﺎﻧﺖ اﻷﺳﻌﺎر ﻟﻜﻞ ﺑﻴﻨﻎ ﺣﻮاﱄ ‪ 5,075‬دوﻻر أو ‪152,000‬‬ ‫دوﻻر ﺗﺎﻳﻮاين‪.‬‬ ‫ﻻ ﻳﺰال اﻟﻄﻠﺐ ﻋﲆ اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﻣﺮﺗﻔﻌﺎ ﻣﻊ إرﺗﻔﺎع ﻣﺒﻴﻌﺎت‬ ‫ﻳﻮﻟﻴﻮ ‪ 2013‬ﺑﻨﺴﺒﺔ ‪ 20‬ﰲ اﳌﺎﺋﺔ ﻋﻦ اﻟﺸﻬﺮ اﻟﺴﺎﺑﻖ وﻳﺼﻞ ﻋﺪد‬ ‫اﻟﻮﺣﺪات إﱃ ‪ 4,043‬وﺣﺪة‪ .‬وﻓﻘﺎً ﻟﺒﻴﺎﻧﺎت وزارة اﻟﺪاﺧﻠﻴﺔ‪ ،‬ﰲ اﻟﻨﺼﻒ‬ ‫اﻷول ﻣﻦ ﻋﺎم ‪ ،2013‬ارﺗﻔﻊ ﻋﺪد ﺗﺼﺎرﻳﺢ اﻹﺳﻜﺎن ﺑﻨﺴﺒﺔ ‪ 3.7‬ﰲ اﳌﺎﺋﺔ‬ ‫ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻔﱰة ﻧﻔﺴﻬﺎ ﻣﻦ اﻟﻌﺎم اﳌﺎﴈ ﻣﻊ ‪ 34861‬اﳌﻨﺎزل اﻟﺠﺪﻳﺪة‬ ‫اﻟﺘﻲ ﻳﺠﺮي ﺑﻨﺎؤﻫﺎ‪.‬‬ ‫وﻣﻊ ذﻟﻚ‪ ،‬ﻣﻊ ﺗﺴﺠﻴﻞ أﺳﻌﺎر اﳌﺴﺎﻛﻦ منﻮا ً ﻣﺮﺗﻔﻌﺎً ﻗﺒﻞ اﻻﻧﺘﻌﺎش‬ ‫اﻻﻗﺘﺼﺎدي اﻟﻜﺎﻣﻞ‪ ،‬ﻫﻨﺎك ﻣﺨﺎوف ﻣﻦ أن اﻟﺴﻮق ﻣﺪﻓﻮع ﺣﺎﻟﻴﺎ ﻣﻦ‬ ‫ﻗﺒﻞ اﳌﻀﺎرﺑﺔ‪ .‬وﻳﻌﺘﻘﺪ أن ﻧﺤﻮ ‪ 50‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﻌﺎﻣﻼت اﻟﻌﻘﺎرﻳﺔ‬ ‫ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات اﻟﺜﻼث اﳌﺎﺿﻴﺔ متﺖ ﻣﻦ ﻗﺒﻞ اﳌﻀﺎرﺑني‪ ،‬اﻟﺬﻳﻦ‬ ‫ﻳﺘﻄﻠﻌﻮن إﱃ اﻻﺳﺘﻔﺎدة ﻣﻦ اﻻﺳﺘﺜامرات اﳌﺴﺘﻘﺒﻠﻴﺔ ﻣﻦ اﻟﺼني‪ ،‬مبﺠﺮد‬ ‫اﻧﺘﻌﺎش اﻻﻗﺘﺼﺎد‪.‬‬ ‫ﻣﺨﻄﻂ ﴐﻳﺒﺔ اﻟﺮﻓﺎﻫﻴﺔ اﻟﺘﻲ ﺗﻔﺮﺿﻬﺎ اﻟﺤﻜﻮﻣﺔ‪ ،‬واﻟﺘﻲ ﻛﺎﻧﺖ ﺗﻬﺪف‬ ‫إﱃ ﻣﻨﻊ اﳌﻀﺎرﺑﺔ ﻣﻦ ﺧﻼل ﻓﺮض ﴐﻳﺒﺔ ﻋﲆ ﻋﻤﻠﻴﺎت اﻟﺒﻴﻊ اﻟﺘﻲ ﺗﺘﻢ‬ ‫ﻗﺒﻞ ﻋﺎﻣني‪ ،‬ﻻ ﻳﺆﺛﺮ ﻓﻌﻠﻴﺎً ﻋﲆ اﳌﺴﺘﺜﻤﺮﻳﻦ ذوي رأس اﳌﺎل اﻟﻜﺒري‪،‬‬ ‫اﻟﺬﻳﻦ ﻟﺪﻳﻬﻢ اﻟﻘﻮة اﳌﺎﻟﻴﺔ اﻟﻼزﻣﺔ ﻟﻺﺣﺘﻔﺎظ ﺑﻌﻘﺎراﺗﻬﻢ ﻟﺒﻀﻊ ﺳﻨﻮات‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﺳﺘﺜامرات اﳌﻀﺎرﺑﺔ‪ .‬وﻓﻘﺎً ﻟﻬﺬا اﻟﻘﺎﻧﻮن‪ ،‬أﺻﺤﺎب اﻟﻌﻘﺎرات اﻟﺬﻳﻦ‬ ‫ﻳﺒﻴﻌﻮن ﻣﻨﺎزﻟﻬﻢ اﻟﺜﺎﻧﻮﻳﺔ‪ ،‬واﻟﺘﻲ ﻻ ﻳﻌﻴﺸﻮن ﻓﻴﻬﺎ‪ ،‬ﰲ ﻏﻀﻮن ﺳﻨﺔ ﻣﻦ‬ ‫ﺗﺎرﻳﺦ اﻟﴩاء‪ ،‬ﻳﺪﻓﻌﻮن ‪ 15‬ﰲ اﳌﺎﺋﺔ ﴐﻳﺒﺔ‪ .‬وﺑﺎﳌﺜﻞ‪ ،‬ﻋﻨﺪ اﻟﺒﻴﻊ ﰲ‬ ‫ﻏﻀﻮن ﺳﻨﺘني‪ ،‬ﻳﻜﻮن ﻣﻌﺪل اﻟﴬﻳﺒﺔ ‪ 10‬ﰲ اﳌﺎﺋﺔ ‪.‬‬

‫‪Knight Frank Global House Price Index‬‬ ‫‪6-month‬‬ ‫‪%change‬‬ ‫)‪(Q4 2012-Q2 2013‬‬

‫‪12-month‬‬ ‫‪% change‬‬ ‫)‪(Q2 2012-Q2 2013‬‬

‫‪11.9%‬‬

‫‪15.4%‬‬

‫‪Country‬‬

‫‪Rank‬‬ ‫‪1‬‬

‫ميﻜﻦ ﻟﻸﻓﺮاد واﻟﴩﻛﺎت اﻷﺟﻨﺒﻴﺔ ﴍاء اﻟﻌﻘﺎرات ﰲ ﺗﺎﻳﻮان ﺑﺴﻬﻮﻟﺔ ﺑﻌﺪ‬ ‫اﻟﺤﺼﻮل ﻋﲆ ﻣﻮاﻓﻘﺔ ﻣﻦ اﻟﺤﻜﻮﻣﺔ‪ .‬ﻳﻘﺘﴫ ﴍاء اﻷراﴈ ﻣﻦ ﻗﺒﻞ‬ ‫اﻷﺟﺎﻧﺐ ﻋﲆ اﻻﺳﺘﺜامر اﻟﺸﺨﴢ و أﻏﺮاض اﻟﺮﻋﺎﻳﺔ اﻻﺟﺘامﻋﻴﺔ‪.‬‬ ‫ﺗﻜﺎﻟﻴﻒ اﳌﻌﺎﻣﻼت ﻣﻌﺘﺪﻟﺔ‪ ،‬ﺗﱰاوح ‪ 13,3 10,36-‬ﰲ اﳌﺎﺋﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ‬ ‫ﴐﻳﺒﺔ اﻟﻌﻘﺪ‪ ،‬اﻟﺘﺴﺠﻴﻞ‪ ،‬رﺳﻮم اﻟﺪﻣﻐﺔ‪ ،‬اﻟﺮﺳﻮم اﻟﻘﺎﻧﻮﻧﻴﺔ و رﺳﻮم‬ ‫اﻟﻮﻛﻴﻞ وﻛﺎﺗﺐ اﻟﻌﺪل‪ .‬ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﺎﻟﺠﺎﻧﺐ اﻟﺴﻠﺒﻲ‪ ،‬ﻓﺈن ﻋﺎﺋﺪات‬ ‫اﻟﺘﺄﺟري ﰲ ﺗﺎﻳﺒﻴﻪ ﻫﻲ ﺛﺎين أدىن اﳌﻌﺪﻻت ﰲ اﻟﻌﺎمل ﺑﻌﺪ ﻣﻮﻧﺎﻛﻮ‪.‬‬ ‫وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻟﻐري اﳌﻘﻴﻤني‪ ،‬إﻳﺮادات اﻹﻳﺠﺎر وﻣﻜﺎﺳﺐ رأس‬ ‫اﳌﺎل ﺗﺠﺬب ﻣﻌﺪﻻت اﻟﴬاﺋﺐ ﺑﻨﺴﺒﺔ ‪ 20‬ﰲ اﳌﺎﺋﺔ‪ .‬وﻫﻨﺎك أﻳﻀﺎ‬ ‫ﴐﻳﺒﺔ اﻟﻘﻴﻤﺔ اﳌﻀﺎﻓﺔ ﺑﻨﺴﺒﺔ ‪ 5‬ﰲ اﳌﺎﺋﺔ ﰲ اﻹﻳﺠﺎرات‪ .‬ﻗﻮاﻧني اﻹﻳﺠﺎر‬ ‫ﻣﺆﻳﺪة ﻟﻠﻤﺴﺘﺄﺟﺮ‪ ،‬و ﻧﺘﻴﺠﺔ ﻟﺬﻟﻚ‪ ،‬ﻳﺘﻢ ﺗﺄﺟري اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺸﻘﻖ‬ ‫اﻟﺮاﻗﻴﺔ ﰲ ﺻﻮرة ﺷﻘﻖ ﻣﻔﺮوﺷﺔ ﻟﺘﺠﻨﺐ اﳌﺸﺎﻛﻞ اﻟﻘﺎﻧﻮﻧﻴﺔ ‪.‬‬

‫‪2‬‬ ‫‪3‬‬

‫‪Taiwan‬‬

‫‪4‬‬ ‫‪5‬‬ ‫‪6‬‬

‫‪Turkey‬‬

‫‪7‬‬ ‫‪8‬‬ ‫‪9‬‬ ‫‪10‬‬ ‫‪11‬‬ ‫‪12‬‬ ‫‪13‬‬ ‫‪14‬‬ ‫‪15‬‬

‫‪Dazhi bridge, Taipei, Taiwan‬‬

‫‪17‬‬

‫‪-‬‬

‫ﺗﺎﻳﻮان‪ ،‬واﻟﺘﻲ ﺗﻌﺮف رﺳﻤﻴﺎ ﺑﺎﺳﻢ ﺟﻤﻬﻮرﻳﺔ اﻟﺼني‪ ،‬ﻫﻲ ﺛﺎﻟﺚ أﺳﻮاق‬ ‫اﻟﻌﻘﺎرات اﻷﴎع منﻮا ﰲ اﻟﻌﺎمل وﻓﻘﺎ ﳌﺆﴍ أﺳﻌﺎر ﻧﺎﻳﺖ ﻓﺮاﻧﻚ ﻏﻠﻮﺑﺎل‬ ‫ﻫﺎوس ﻟﻌﺎم ‪ ،2013‬ﻣﻊ ﻣﻌﺪل منﻮ ﺑﻠﻎ ‪ 15.4‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﺛﻨﻲ ﻋﴩ‬ ‫ﺷﻬﺮا ‪ .‬ﺣﻮاﱄ ‪ 99‬ﰲ اﳌﺎﺋﺔ ﻣﻦ أراﴈ ﺗﺎﻳﻮان ﺗﻘﻊ ﰲ ﺟﺰﻳﺮة ﺗﺎﻳﻮان‪ ،‬اﻟﺘﻲ‬ ‫ﻳﺤﺪﻫﺎ اﻟﺼني ﻣﻦ اﻟﻐﺮب‪ ،‬اﻟﻔﻠﺒني ﻣﻦ اﻟﺠﻨﻮب و اﻟﻴﺎﺑﺎن ﰲ اﻟﺸامل‬ ‫اﻟﴩﻗﻲ‪ .‬وﺑﺎﻻﺿﺎﻓﺔ اﱃ اﻟﺠﺰﻳﺮة اﻟﺮﺋﻴﺴﻴﺔ اﻟﺘﻲ ﺗﻘﻊ ﺑﻬﺎ اﻟﻌﺎﺻﻤﺔ ﺗﺎﻳﺒﻪ‪،‬‬ ‫ﻫﻨﺎك ﺟﺰر أﺧﺮى ﺗﻨﺘﻤﻲ إﱃ اﻟﺪوﻟﺔ وﻫﻲ ﻛﻴﻨﻤﻦ‪ ،‬ﻣﺎﺗﺴﻮ و ﺑﻨﻐﻮاس‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ﺑﻌﺾ اﻟﺠﺰر اﻟﺼﻐرية‪ .‬ﰲ ﺣني ﻳﱰﻛﺰ ﻣﻌﻈﻢ اﻟﻨﺸﺎط‬ ‫اﻟﻌﻘﺎري ﰲ ﺗﺎﻳﺒﻴﻪ‪ ،‬اﻟﻌﺎﺻﻤﺔ‪ ،‬ﻫﻨﺎك ﻣﻨﺎﻃﻖ أﺧﺮى ﻣﺜﻞ ﻧﻴﻮ ﻧﻮرث‪،‬‬ ‫ﺗﺎوﻳﻮان‪ ،‬ﻫﺴﻴﻨﺸﻮ‪ ،‬ﺗﺎﻳﺘﺸﻮﻧﻎ وﻛﺎوﺷﻴﻮﻧﻎ ﺳﺠﻠﺖ منﻮا ً ﰲ أﺳﻌﺎر‬ ‫اﻟﻌﻘﺎرات‪ ،‬ﺧﺼﻮﺻﺎ ﰲ اﻟﻘﻄﺎع اﻟﺴﻜﻨﻲ‪ ،‬ﺣﻴﺚ ﺗﺴﺘﻤﺮ اﻷﺳﻌﺎر ﰲ‬

‫اﻹرﺗﻔﺎع ﻟﻠﺴﻨﺔ اﻟﺮاﺑﻌﺔ ﻋﲆ اﻟﺘﻮاﱄ‪.‬‬ ‫ﺑﺪأت اﻟﺤﺮﻛﺔ اﻟﺼﻌﻮدﻳﺔ ﻟﻸﺳﻌﺎر ﰲ ﻋﺎم ‪ 2009‬ﰲ أﻋﻘﺎب اﻻﻧﺨﻔﺎض‬ ‫اﻟﺤﺎد ﰲ اﻟﴬﻳﺒﺔ اﻟﻌﻘﺎرﻳﺔ ﻣﻦ ﻗﺒﻞ اﻟﺤﻜﻮﻣﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻧﺘﻴﺠﺔ ﻟﻨﺴﺒﺔ‬ ‫اﻹﺷﻐﺎل اﳌﻨﺨﻔﻀﺔ و زﻳﺎدة اﻟﻌﺮض‪ ،‬ﻳﻌﺘﻘﺪ ﺑﻌﺾ اﻟﺨﱪاء أن ﺳﻮق‬ ‫اﻟﻌﻘﺎرات ﰲ ﺗﺎﻳﻮان ﻳﻮاﺟﻪ ﻓﻘﺎﻋﺔ‪ .‬اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي ﰲ اﻟﺒﻼد مل ﻳﻮاﻛﺐ‬ ‫اﻟﻨﻤﻮ اﻟﻌﻘﺎري‪ .‬وﺗﺸري اﻟﺘﻮﻗﻌﺎت إﱃ أن اﻟﺒﻼد ﺳﺘﺸﻬﺪ ﻣﻌﺪل منﻮ‬ ‫اﻗﺘﺼﺎدي ﻣﻦ ‪ 2.3%‬ﻓﻘﻂ ﰲ ﻋﺎم ‪ .2013‬مبﺠﺮد إزدﻳﺎد اﻹﻧﺘﺎج اﻟﺼﻨﺎﻋﻲ‬ ‫وﻧﺸﺎط اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ‪ ،‬ﺳﻮف ﻳﺆدي ذﻟﻚ إﱃ ﺗﺪﻓﻖ رؤوس اﻷﻣﻮال إﱃ‬ ‫ﻫﺬه اﻟﻘﻄﺎﻋﺎت‪ ،‬وﻗﺪ ﺗﻨﻔﺠﺮ ﻓﻘﺎﻋﺔ اﻹﺳﻜﺎن‪.‬‬ ‫ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬ﻳﻌﺪ اﻟﻄﻠﺐ ﻗﻮﻳﺎً و ﻧﺸﺎط اﻟﺒﻨﺎء ﰲ ارﺗﻔﺎع ﻣﺴﺘﻤﺮ‪.‬‬ ‫أدﺧﻠﺖ اﻟﺤﻜﻮﻣﺔ ﴐﻳﺒﺔ اﻟﺮﻓﺎﻫﻴﺔ اﻟﺴﻜﻨﻴﺔ ﰲ ﻋﺎم ‪ 2011‬ﳌﻨﻊ‬ ‫‪www.valoran.ae‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫مبﺜﺎﺑﺔ ﺗﻜﺮﻳﻢ ﻟﺴﻮزان ﺑﻴﻠﺒريون وﻓﻮﻟﻜﻮ دي ﻓريدورا‪ ،‬اﻟﺬان ﻳﻌﺘﱪان ﻣﻦ‬ ‫أﺷﻬﺮ ﻣﺼﻤﻤﻲ اﳌﺠﻮﻫﺮات ﰲ اﻟﻘﺮن ‪ ،20‬ﻳﻘﺎم ﻣﻌﺮض ﺧﺎص ﰲ اﻟﺠﺎدة‬ ‫اﻟﺨﺎﻣﺴﺔ ﻟﻔريدورا ﰲ ﻧﻴﻮﻳﻮرك ﻣﻦ أﻛﺘﻮﺑﺮ إﱃ دﻳﺴﻤﱪ‪ .‬ﻳﻌﺮف اﳌﺼﻤامن‬ ‫ﻋﲆ أﻧﻬام ﻣﺜﻼ ﺛﻮرة ﰲ ﻋﺎمل اﳌﺠﻮﻫﺮات ﺧﻼل ﻓﱰة وﺟﻮدﻫﻢ ﻣﻊ‬ ‫ﺗﺼﺎﻣﻴﻤﻬﻢ اﻟﺠامﻟﻴﺔ و ﻳﺸﺎرك ﻣﺠﻤﻮﻋﺔ ﻣﻦ اﻟﻌﻤﻼء اﳌﺸﻬﻮرﻳﻦ‪ ،‬مبﺎ ﰲ‬ ‫ذﻟﻚ دوﻗﺔ وﻧﺪﺳﻮر ‪.‬‬

‫ﻛﺠﺰء ﻣﻦ اﺣﺘﻔﺎﻟﻬﺎ ﺑﺎﻟﺬﻛﺮى اﻟﺴﻨﻮﻳﺔ اﻟﻌﺎﴍة‪ ،‬ﻛﺸﻔﺖ دوﻳﺖ ﻋﻦ‬ ‫إﻋﺎدة ﺗﺼﻤﻴﻢ اﳌﻮدﻳﻞ ‪ 200‬ﻣﻦ أﻛﺎدميﻴﺎ‪ ،‬وﻫﻮ ﻣﻮدﻳﻞ اﻟﺴﺎﻋﺎت اﻷﻛرث‬ ‫ﺷﻬﺮة‪ .‬ﺧﻼﻓﺎً ﻟﻠﻤﻮدﻳﻞ اﳌﻌﺮوف ﻷﻛﺎدميﻴﺎ‪ ،‬واﻟﺬي متﻴﺰ ﺑﺈﻃﺎر ﺧﺎرﺟﻲ‬ ‫ﻣﺆﻟﻒ ﻣﻦ أﻋﻤﺪة ﻣﻦ اﻟﺬﻫﺐ أو اﻟﺘﻴﺘﺎﻧﻴﻮم‪ ،‬ﻓﺈن اﳌﻮدﻳﻞ اﻟﺠﺪﻳﺪ ﻟﺪﻳﻪ‬ ‫ﻧﻈﺮة أﻛرث رﻳﺎﺿﻴﺔ ﻣﻊ اﻟﺼﻠﺐ ﺑﻠﻤﺴﺔ ﻧﺎﻋﻤﺔ‪ .‬ﰲ ﺣني أن ﺳﻌﺮ اﳌﻮدﻳﻞ‬ ‫اﻷﺳﺎﳼ أﻛرث ﻣﻦ ‪ 20,000‬دوﻻر‪ ،‬ﻳﺒﻠﻎ ﺳﻌﺮ اﳌﻮدﻳﻞ اﻟﺠﺪﻳﺪ‪ ،‬اﻟﺬي‬ ‫ﻳﺴﺘﻬﺪف اﻟﺠﻤﻬﻮر اﻷﺻﻐﺮ ﺳﻨﺎً‪ 12,000 ،‬دوﻻر‪.‬‬ ‫اﳌﻮدﻳﻞ اﻟﺠﺪﻳﺪ اﻟﻘﻮي ﻳﺤﺘﻮي ﻋﲆ اﺣﺘﻴﺎﻃﻲ ﻃﺎﻗﺔ ﺗﻜﻔﻴﻪ ﳌﺪة ‪42‬‬ ‫ﺳﺎﻋﺔ‪ .‬ﻷﻧﻪ ﻳﺄيت ﰲ منﻮذﺟني – ﻏﺮاﻧﺪ دات وﻫﻮرا ﻣﻮﻧﺪي‪ .‬ﻛﻼ‬ ‫اﻟﻨﻤﻮذﺟني ﻓﴤ وﻗﺮص أﺳﻮد ﻣﻊ ﺧﻴﺎر ﻣﻦ اﻷﴍﻃﺔ اﳌﺼﻨﻮﻋﺔ ﻣﻦ‬ ‫اﳌﻄﺎط أو اﻟﺼﻠﺐ‪.‬‬

‫ﺳﻮف ﻳﻀﻢ اﻟﻌﺮض أﻛرث ﻣﻦ ‪ 70‬ﻗﻄﻌﺔ ﻣﻦ اﳌﺠﻮﻫﺮات اﻟﺘﻲ ﺗﻢ ﺻﻨﻌﻬﺎ‬ ‫ﰲ اﻟﻔﱰة ﻣﻦ أواﺧﺮ اﻟﺜﻼﺛﻴﻨﻴﺎت وﺣﺘﻰ اﻟﺴﺘﻴﻨﺎت ﻣﻦ اﻟﻘﺮن اﳌﺎﴈ‬ ‫وﺳﻮف ﻳﻜﻮن ﺑني ﻫﺬه اﻟﻘﻄﻊ ﺗﺼﻤﻴامن ﺑﺎرزان‪ ،‬أﺣﺪﻫام ﺣﻠﻖ ﻋﲆ‬ ‫ﺷﻜﻞ رﻳﺸﺔ ﻣﺼﻨﻮع ﻣﻦ اﻟﺒﻼﺗني واﳌﺎس‪ .‬واﻟﺬي ﻛﺎن ﰲ اﻟﻮاﻗﻊ زوج‬ ‫ﻣﻦ اﻟﻘﻼدات ﺻﻤﻤﺖ ﰲ ﻋﺎم ‪ 1956‬ﻣﻦ ﻗﺒﻞ ﺑﺮوك أﺳﺘﻮر‪ ،‬وﺗﺤﺘﻮي‬ ‫ﻋﲆ ‪ 275‬ﻗﻄﻌﺔ اﳌﺎس ﻳﺒﻠﻎ وزﻧﻬﺎ اﻹﺟامﱄ ‪ 16.58‬ﻗرياط ﺑﺎﻹﺿﺎﻓﺔ إﱃ‬ ‫‪ 16‬ﻗﻄﻌﺔ اﳌﺎس ﺑﻴﻐﻴﺖ أﺧﺮى‪.‬‬ ‫اﻟﻘﻄﻌﺔ اﻟﺒﺎرزة اﻷﺧﺮى ﻫﻲ ﻗﻼدة ﻓريدورا ﻋﲆ ﺷﻜﻞ ﻗﻠﺐ‪ ،‬ﻣﺼﻨﻮﻋﺔ‬ ‫ﻣﻦ اﻟﺒﻼﺗني واﻟﺬﻫﺐ ﻣﻊ اﳌﺎﺳﺔ ﻛﻨﺎري ‪ 109‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ‪ 271‬اﳌﺎس‬ ‫أﺑﻴﺾ‪ .‬وﻳﻌﺪ ﺧﺎﺗﻢ ﺑﻴﻠﺒريون اﳌﻠﻔﻮف أﺣﺪ اﻟﻘﻄﻊ اﻟﺒﺎرزة أﻳﻀﺎً‪ ،‬ﻣﺮﺻﻊ‬ ‫ﰲ ﻣﻨﺘﺼﻔﻪ ﺑﺎﻟﻴﺎﻗﻮت اﻟﺒﻮرﻣﻲ ﻋﻴﺎر ‪ 3.2‬ﻗرياط‪ .‬وﺳﻴﺴﺘﻤﺮ اﳌﻌﺮض ﻋﲆ‬ ‫ﻣﺪار ﺷﻬﺮﻳﻦ اﺑﺘﺪا ًء ﻣﻦ ‪ 17‬أﻛﺘﻮﺑﺮ ‪.‬‬

‫ﺑﻌﺪ ﺗﺤﺪﻳﺚ إﺳﺘﻐﺮق ‪ 18‬ﺷﻬﺮا ً‪ ،‬ﺗﻢ إﻓﺘﺘﺎح اﳌﺘﺠﺮ اﻟﺮﺋﻴﴘ ﻟﻬريﻣﻴﺲ ﰲ‬ ‫‪ 434‬ﺷامل رودﻳﻮ دراﻳﻒ ﰲ ﺑﻴﻔﺮﱄ ﻫﻴﻠﺰ‪ ،‬ﻓﻘﻂ ﻋﲆ ﺑﻌﺪ ﻋﺪد ﻗﻠﻴﻞ‬ ‫ﻣﻦ اﳌﺘﺎﺟﺮ ﻋﻦ اﳌﺘﺠﺮ اﻟﺮﺋﻴﴘ اﻷول ﻟﻬريﻣﻴﺲ ﰲ ﺑﻴﻔﺮﱄ ﻫﻴﻠﺰ اﻟﺬي‬ ‫اﻓﺘﺘﺢ ﻋﺎم ‪ .1972‬اﳌﺘﺠﺮ ميﺜﻞ ﺣﻘﺒﺔ ﺟﺪﻳﺪة ﻣﻦ اﻟﻌﻼﻣﺔ اﻟﺘﺠﺎرﻳﺔ ﰲ‬ ‫اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة‪.‬‬ ‫مبﺴﺎﺣﺔ ﺗﺒﻠﻎ ‪ 12،000‬ﻗﺪم ﻣﺮﺑﻊ ﻋﲆ ﺛﻼﺛﺔ ﻃﻮاﺑﻖ‪ ،‬ﻳﻮﺟﺪ ﺑﺎﳌﺘﺠﺮ‬ ‫درج ﺣﻠﺰوين ﻳﺮﺑﻂ اﻟﻄﻮاﺑﻖ و ﺣﺪﻳﻘﺔ ﻋﲆ اﻟﺴﻄﺢ ﺣﻴﺚ ﺳﻴﺘﻢ‬ ‫اﺳﺘﻀﺎﻓﺔ اﻷﺣﺪاث‪ .‬اﻟﻄﺎﺑﻖ اﻷول ﻟﻠﻤﻼﺑﺲ اﻟﺠﺎﻫﺰة واﻻﻛﺴﺴﻮارات‪.‬‬ ‫اﻟﻄﺎﺑﻖ اﻟﺜﺎين ﻫﻮ ﻗﺴﻢ اﳌﻼﺑﺲ اﳌﻔﺼﻠﺔ ﻟﻠﺮﺟﺎل ﺣﻴﺚ ميﻜﻦ اﻟﺤﺼﻮل‬ ‫ﻋﲆ اﻟﻘﻤﺼﺎن واﻟﺒﺰات ﺣﺴﺐ اﻟﻄﻠﺐ‪ .‬اﻟﻄﺎﺑﻖ اﻟﺜﺎﻟﺚ ﻳﻀﻢ اﳌﺠﻤﻮﻋﺔ‬ ‫اﻟﺮﺋﻴﺴﻴﺔ ﻟﻠﻌﻼﻣﺔ اﻟﺘﺠﺎرﻳﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﻷﺛﺎث واﻻﻛﺴﺴﻮارات اﳌﻨﺰﻟﻴﺔ‬ ‫و ﻣﻨﻄﻘﺔ ﻣﻨﻔﺼﻠﺔ ﻟﻠﻤﺸﺎرﻳﻊ اﳌﺨﺼﺼﺔ‪ .‬ﻳﺘﻢ ﻋﺮض ﻃﺎوﻻت ﺳﺎﻧﺖ‬ ‫ﻟﻮﻳﺲ وﻣﻨﺘﺠﺎت ﺑﻮﻳﻔﻮرﻛﺎت اﻟﻔﻀﻴﺔ أﻳﻀﺎ ﰲ ﻗﺴﻢ اﳌﻨﺰل‪.‬‬ ‫اﳌﺘﺠﺮ اﻟﻜﺒري‪ ،‬واﻟﺬي ﻳﺮﻣﺰ إﱃ اﻧﺘﻘﺎل اﻟﻌﻼﻣﺔ اﻟﺘﺠﺎرﻳﺔ ﳌﺴﺘﻘﺒﻞ ﺟﺪﻳﺪ‬ ‫ﰲ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة‪ ،‬ﺳﻮف ﻳﻨﻀﻢ إﻟﻴﻪ اﻟﻌﺎم اﳌﻘﺒﻞ ﻣﺘﺠﺮ ﻣامﺛﻞ ﰲ‬ ‫ﺣﻲ اﻟﺘﺼﻤﻴﻢ ﰲ ﻣﻴﺎﻣﻲ‪.‬‬ ‫‪15‬‬

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‫وﻓﻘﺎ ﻟﻠﺘﻘﺎرﻳﺮ اﻹﻋﻼﻣﻴﺔ‪ ،‬ﺗﻌني ﻣﺰاد ﻋﲆ ﺳﻴﺎرة ﻻﻣﺒﻮرﻏﻴﻨﻲ ﻣﻦ اﻟﺬﻫﺐ‬ ‫اﻟﺨﺎﻟﺺ وﻣﺮﺻﻌﺔ ﺑﺎﻷﺣﺠﺎر اﻟﻜﺮميﺔ ﰲ ديب‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ ميﻜﻦ ﻟﻬﺬه‬ ‫اﻟﺴﻴﺎرة أن ﺗﻈﻬﺮ ﻣﴪﻋﺔ ﻋﱪ اﻟﻄﺮق اﻟﴪﻳﻌﺔ ﰲ ديب ﺣﻴﺚ اﻧﻬﺎ منﻮذج‬ ‫ﺳﻴﺎرة‪ ،‬وﺳﻮف ﺗﺰن ﺣﻮاﱄ ‪ 55‬ﺑﺎوﻧﺪ‪ .‬مل ﻳﺘﻢ ﺑﻨﺎء اﻟﺴﻴﺎرة ﺑﻌﺪ‪ ،‬وﻟﻜﻦ ﺗﻢ‬ ‫ﻋﺮض منﻮذج ﻣﺼﻐﺮ ﻣﻨﻬﺎ‪ ،‬واﻟﺬي ﺻﻨﻊ ﻣﻦ اﳌﻌﺎدن ﺷﺒﻪ اﻟﺜﻤﻴﻨﺔ و‬ ‫اﻷﺣﺠﺎر اﻟﻜﺮميﺔ‪ ،‬ﰲ اﻵوﻧﺔ اﻷﺧرية ﰲ ديب ‪.‬‬ ‫ﻳﺠﺮي ﺻﻨﻌﻬﺎ ﺑﻘﺼﺪ أن ﺗﺼﺒﺢ أﻏﲆ ﺳﻴﺎرة ﰲ اﻟﻌﺎمل وأن ﺗﺤﺼﻞ ﻋﲆ‬ ‫رﻗﻢ ﻗﻴﺎﳼ ﰲ ﻣﻮﺳﻮﻋﺔ ﻏﻴﻨﻴﺲ‪ ،‬ﻻﻣﺒﻮرﻏﻴﻨﻲ أﻓﻴﻨﺘﺎدور ‪LP 700-4‬‬

‫‪www.valoran.ae‬‬

‫ﺳﻮف ﺗﺼﻨﻊ ﻣﻦ اﻟﺬﻫﺐ ﺑﺤﻴﺚ ﺗﺰن ﺣﻮاﱄ ‪ 500‬ﻛﺠﻢ و ﺳﻮف ﺗﺤﺘﻮي‬ ‫ﻋﲆ ﻣﺎ ﻣﻌﺎدن مثﻴﻨﺔ ﺗﻘﺪر ﻗﻴﻤﺘﻬﺎ ﺑﺤﻮاﱄ ‪ 2.6‬ﻣﻠﻴﻮن دوﻻر‪ .‬ﻋﲆ اﻟﺮﻏﻢ‬ ‫ﻣﻦ أن ﺳﻌﺮ اﻟﺴﻴﺎرة مل ﻳﺘﻢ اﻹﻋﻼن ﻋﻨﻪ ﺑﻌﺪ‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﳌﺘﻮﻗﻊ أن‬ ‫ﻳﻘﱰب ﻣﻦ ‪ 7.5‬ﻣﻠﻴﻮن دوﻻر‪ ،‬ﻋﻨﺪﻣﺎ ﻳﺘﻢ اﳌﺰاد ﰲ ديب ‪.‬‬ ‫ﺣﺘﻰ أﻏﻨﻰ أﻏﻨﻴﺎء اﻟﻌﺎمل ﻗﺪ ﻳﺠﺪ ﻫﺬا اﻟﺴﻌﺮ ﻋﺎﻟﻴﺎً‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻳﺘﻢ ﺻﻨﻊ‬ ‫اﻟﺴﻴﺎرة ﻟﻬﺪف ﻧﺒﻴﻞ ﺣﻴﺚ أن ‪ 6.5‬ﻣﻼﻳني دوﻻر ﻣﻦ اﻟﻌﺎﺋﺪات ﺳﻴﺘﻢ‬ ‫اﻟﺘﱪع ﺑﻬﺎ ﻟﻠﺠﻤﻌﻴﺎت اﻟﺨريﻳﺔ ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫اﻟﺘﴩﻳﻊ اﳌﻘﱰح ﻫﻮ ﺟﺰء ﻣﻦ اﻟﺠﻬﻮد اﻟﺘﻲ ﺗﺒﺬﻟﻬﺎ اﻟﺤﻜﻮﻣﺔ ﻟﻠﻘﻀﺎء‬ ‫ﻋﲆ اﳌﻬﺎﺟﺮﻳﻦ ﻏري اﻟﴩﻋﻴني ﻣﻦ أذرﺑﻴﺠﺎن وﻏريﻫﺎ ﻣﻦ دول اﻻﺗﺤﺎد‬ ‫اﻟﺴﻮﻓﻴﺘﻲ اﻟﺴﺎﺑﻖ‪ ،‬و ﻳﺄيت ﻋﲆ اﻟﻔﻮر ﺑﻌﺪ أن ﺷﻬﺪت ﺿﺎﺣﻴﺔ ﰲ ﺟﻨﻮب‬ ‫ﻣﻮﺳﻜﻮ واﺣﺪة ﻣﻦ أﺳﻮأ أﻋامل اﻟﺸﻐﺐ ﻣﻨﺬ ﺳﻨﻮات‪.‬‬ ‫ﺳﻮف ﻳﺆﺛﺮاﻟﻘﺎﻧﻮن اﻟﺠﺪﻳﺪ ﻋﲆ اﻷﻓﺮاد أﻛرث ﻣﻦ اﻟﴩﻛﺎت‪ .‬ﰲ ﺣني أن‬ ‫اﻟﴩﻛﺎت ﺳﻮف ﺗﻜﻮن أﻳﻀﺎً ﺑﺤﺎﺟﺔ اﱃ اﻟﺤﺼﻮل ﻋﲆ ﻣﻮاﻓﻘﺔ ﻗﺒﻞ ﴍاء‬ ‫اﻟﻌﻘﺎرات‪ ،‬إﻻ أﻧﻪ ﻣﻦ ﻏري اﳌﺮﺟﺢ أن ﺗﻮاﺟﻪ اﻟﺮﻓﺾ ﻣﻦ اﻟﺤﻜﻮﻣﺔ‪ ،‬ﻷن‬ ‫اﳌﺴﺘﺜﻤﺮﻳﻦ اﻷﺟﺎﻧﺐ ميﺜﻠﻮن ﺣﻮاﱄ ‪ 40‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻻﺳﺘﺜامرات‬ ‫اﳌﺆﺳﺴﻴﺔ ﰲ اﻟﻘﻄﺎﻋني اﻟﺴﻜﻨﻲ واﻟﺘﺠﺎري ﰲ روﺳﻴﺎ ‪.‬‬ ‫اﳌﺼﺪر‪Forbes.com :‬‬

‫–‬ ‫ﰲ ﻗﺎمئﺔ ﻓﻮرﺑﺲ اﻟﺴﻨﻮﻳﺔ ﻷﻏﲆ اﻟﺘﺠﻤﻌﺎت اﻟﺴﻜﻨﻴﺔ ﰲ أﻣﺮﻳﻜﺎ‪ ،‬أﺛﺮﺗﻮن‪،‬‬ ‫ﻛﺎﻟﻴﻔﻮرﻧﻴﺎ ) ‪ ( 94027‬ﺗﺼﺪرت اﻟﻘﺎمئﺔ‪ .‬أرﺧﺺ ﻣﻨﺰل ﰲ اﳌﻨﻄﻘﺔ ‪ -‬ﻣﻨﺰل‬ ‫ﻣﻦ ﻏﺮﻓﺘﻲ ﻧﻮم ﻋﲆ ﻣﺴﺎﺣﺔ ‪ 1,194‬ﻗﺪم ﻣﺮﺑﻊ وﻳﻘﻊ ﻋﲆ ﻗﻄﻌﺔ أرض‬ ‫ﻣﺴﺎﺣﺘﻬﺎ ‪ 6,000‬ﻗﺪم ﻣﺮﺑﻊ – ﻳﺒﻠﻎ مثﻨﻪ ‪ 1.2‬ﻣﻠﻴﻮن دوﻻر‪ .‬ﺳﺒﺐ‬ ‫ارﺗﻔﺎع اﻷﺳﻌﺎر ﻫﻮ أن أﺛﺮﺗﻮن أﺣﺪ اﻟﺘﺠﻤﻌﺎت اﻟﺴﻜﻨﻴﺔ اﻟﺘﻲ ﺗﻘﻊ ﰲ‬ ‫ﻣﺮﻛﺰ وادي اﻟﺴﻠﻴﻜﻮن‪ .‬ﻣﺘﻮﺳﻂ ﺳﻌﺮ ﻣﻨﺰل ﻋﺎﺋﻠﺔ واﺣﺪة )ﻋﲆ أﺳﺎس‬ ‫‪ 50‬ﻣﻨﺰﻻً ﺗﻢ ﴎدﻫﺎ ﻟﻠﺒﻴﻊ ( ﻫﻮ ‪ 6.67‬ﻣﻠﻴﻮن دوﻻر‪.‬‬ ‫ﻳﻌﺪ ﻫﺬا اﻟﺘﺠﻤﻊ ﻣﻮﻃﻨﺎً ﻟـ ‪ 400‬ﻣﻠﻴﺎردﻳﺮ ﺿﻤﻦ ﻗﺎمئﺔ ﻓﻮرﺑﺲ ﻓﻮرﺑﺲ‪،‬‬ ‫مبﺎ ﰲ ذﻟﻚ ﻣﻴﺞ وﻳﺘامن )‪ ( HP‬و إرﻳﻚ ﺷﻤﻴﺪت ) ﺟﻮﺟﻞ(‪ .‬ﰲ اﳌﺎﴈ‬ ‫اﻟﻘﺮﻳﺐ‪ ،‬وﻗﺪ اﺷﱰى اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺼﻴﻨﻴني واﻟﻬﻨﻮد اﻷﺛﺮﻳﺎء أﻳﻀﺎ‬ ‫ﻋﻘﺎرات ﰲ ﻫﺬه اﳌﻨﻄﻘﺔ‪.‬‬

‫ﺑﻌﺪ ﻣﺎ ﻳﻘﺮب ﻣﻦ أرﺑﻊ ﺳﻨﻮات ﻣﻦ ﺗﺼﺤﻴﺢ اﻷﺳﻌﺎر‪ ،‬ﻳﺒﺪو أن ﺳﻮق‬ ‫اﻟﻌﻘﺎرات ﰲ ﺟﺒﺎل اﻷﻟﺐ آﺧﺬة ﰲ اﻹرﺗﻔﺎع ﺣﻴﺚ ﺗﻀﺎﻋﻔﺖ اﳌﻌﺎﻣﻼت‬ ‫ﰲ ﺑﻌﺾ اﳌﻨﺘﺠﻌﺎت‪ .‬ﰲ أﺣﺪث دراﺳﺔ ﻗﺎم ﺑﻬﺎ ﺳﺎﻓﻴﻠﺲ وأﻟﺒني ﻫﻮﻣﺰ‬ ‫واﻟﺘﻲ ﺗﻐﻄﻲ ‪ 27‬ﻣﻦ اﳌﻨﺘﺠﻌﺎت اﳌﺮﻏﻮﺑﺔ‪ ،‬ﺗﻀﺎﻋﻔﺖ اﳌﻌﺎﻣﻼت ﰲ‬ ‫اﻟﻨﻤﺴﺎ ﰲ اﻟﻨﺼﻒ اﻷول ﻣﻦ ﻋﺎم ‪ 2013‬ﻣﻘﺎرﻧﺔ ﺑﺎﻟﻔﱰة ﻧﻔﺴﻬﺎ ﻣﻦ‬ ‫اﻟﻌﺎم اﳌﺎﴈ‪ .‬ﰲ ﺟﺒﺎل اﻷﻟﺐ اﻟﺴﻮﻳﴪﻳﺔ‪ ،‬إرﺗﻔﻌﺖ اﳌﻌﺎﻣﻼت ﺑﻨﺴﺒﺔ‬ ‫‪ 57‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﻔﱰة ﻧﻔﺴﻬﺎ‪.‬‬ ‫وﻛﺎﻧﺖ ﻏﺎﻟﺒﻴﺔ اﳌﺒﻴﻌﺎت ﻗﺪ متﺖ ﳌﺸﱰي وﻣﺴﺘﺜﻤﺮي اﳌﻨﺎزل اﻟﺜﺎﻧﻮﻳﺔ‪.‬‬ ‫وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻛﺎن ﻋﺪد ﻣﺘﺰاﻳﺪ ﻣﻦ اﳌﺸﱰﻳﻦ ﻣﻦ اﻟﺨﺎرج‪ .‬ﰲ ﺣني‬ ‫ﺑﻠﻐﺖ ﻧﺴﺒﺔ اﳌﺸﱰﻳﻦ اﻟﱪﻳﻄﺎﻧﻴني ﺣﻮاﱄ رﺑﻊ اﳌﺒﻴﻌﺎت‪ ،‬إﻻ أن ﻣﻌﻈﻤﻬﻢ‬ ‫ﻳﻘﻴﻤﻮن ﺧﺎرج اﳌﻤﻠﻜﺔ اﳌﺘﺤﺪة ﰲ ﺑﻠﺪان ﻣﺜﻞ ديب‪ ،‬ﺟﻨﻴﻒ‪ ،‬ﻫﻮﻧﺞ‬ ‫ﻛﻮﻧﺞ وﺳﻨﻐﺎﻓﻮرة‪ .‬ﻛﺎن اﳌﺸﱰون اﻟﺮوس أﻛرث ﻧﺸﺎﻃﺎً ﰲ ﻗﻄﺎع اﻟﻌﻘﺎرات‬ ‫اﳌﺘﻤﻴﺰة‪.‬‬ ‫ﺣﻮاﱄ ‪ 55‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﻨﺘﺠﻌﺎت اﻟﺘﻲ ﺷﻤﻠﺘﻬﺎ اﻟﺪراﺳﺔ ﺷﻬﺪت زﻳﺎدة‬ ‫اﻟﺴﻌﺮ ﺑﻨﺴﺒﺔ ‪ 5‬ﰲ اﳌﺎﺋﺔ ﺧﻼل ﻋﺎم ‪ .2012‬ﰲ اﺳﺘﻄﻼع اﻟﻌﺎم اﳌﺎﴈ‪،‬‬ ‫اﻧﺨﻔﻀﺖ اﻷﺳﻌﺎر ﺑﻨﺴﺒﺔ ‪ 5‬ﰲ اﳌﺎﺋﺔ ﰲ ﻣﺎ ﻳﻘﺮب ﻣﻦ ‪ 28‬ﰲ اﳌﺎﺋﺔ ﻣﻦ‬ ‫اﳌﻨﺘﺠﻌﺎت‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ اﻧﺨﻔﺎض أﺳﻌﺎر اﻟﻔﺎﺋﺪة وزﻳﺎدة ﺛﻘﺔ اﳌﺴﺘﺜﻤﺮﻳﻦ‪ ،‬إﻻ أن‬ ‫ﺗﺠﺪد اﻻﻫﺘامم ﰲ ﻋﻘﺎرات ﺟﺒﺎل اﻷﻟﺐ ﻧﺎﺟﻢ أﺳﺎﺳﺎً ﻣﻦ اﳌﺸﱰﻳﻦ‬ ‫ذوي اﻟﻌﺒﺎءة اﳌﺎﻟﻴﺔ اﻟﻜﺒرية‪ ،‬اﻟﺬﻳﻦ ﻛﺎﻧﻮا ﻳﺴﺘﺄﺟﺮون ﺷﺎﻟﻴﻬﺎت ﻟﻠﺴﻨﻮات‬ ‫اﻟﺜﻼث اﳌﺎﺿﻴﺔ وﻳﺒﺤﺜﻮن اﻵن ﻋﻦ ﴍاء ﻋﻘﺎرات ﻟﻌﻄﻼﺗﻬﻢ اﻟﺨﺎﺻﺔ‪.‬‬ ‫اﳌﺼﺪر‪Propertywire.com :‬‬

‫وﻛﺎﻧﺖ اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﺘﺠﻤﻌﺎت اﻟﺴﻜﻨﻴﺔ اﻷﺧﺮى ﰲ ﻣﻨﻄﻘﺔ ﺧﻠﻴﺞ ﺳﺎن‬ ‫ﻓﺮاﻧﺴﻴﺴﻜﻮ ﰲ وﻻﻳﺔ ﻛﺎﻟﻴﻔﻮرﻧﻴﺎ ﻋﲆ ﻗﺎمئﺔ أﻏﲆ ‪ ،10‬ﻛام اﺳﺘﻔﺎد اﻗﺘﺼﺎد‬ ‫اﻟﻮﻻﻳﺔ ﻣﻦ ازدﻫﺎر اﻟﺘﻜﻨﻮﻟﻮﺟﻴﺎ ﰲ ﻣﺎوﻧنت ﻓﻴﻮ‪ ،‬ﺑﺎﻟﻮ أﻟﺘﻮ وﻣﻴﻨﻠﻮ ﺑﺎرك‪.‬‬ ‫ﻣﻦ اﻟﻄﺒﻴﻌﻲ أن ﺑﻌﺾ اﻟرثوة ﻗﺪ ﺗﻐﻠﻐﻠﺖ إﱃ اﻷﺳﻔﻞ إﱃ ﺳﻮق‬ ‫اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ اﳌﺤﻠﻴﺔ‪ .‬اﳌﺠﺘﻤﻌﺎت اﻷﺧﺮى ﰲ ﻗﺎمئﺔ أﻏﲆ ‪10‬‬ ‫ﺗﺸﻤﻞ ﻟﻮس اﻟﺘﻮس ﻫﻴﻠﺰ )‪ ،(2‬ﺑﻠﻔﻴﺪﻳﺮ )‪ (4‬و ﺑﻮﺗﻮﻟﻮا ﻓﺎﱄ )‪.(9‬‬ ‫اﳌﺼﺪر‪Forbes.com :‬‬

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‫اﻟﺮﻫﻦ اﻟﻌﻘﺎري و اﻹﻣﺪادات اﻟﺤﺎﻟﻴﺔ ﻣﻦ أﺟﻞ ﻣﺰﻳﺪ ﻣﻦ اﳌﺴﺎﻋﺪة ﰲ‬ ‫ﻋﻤﻠﻴﺔ اﻟﺘﻌﺎﰲ اﻻﻗﺘﺼﺎدي ‪.‬‬ ‫ﺑﻌﺪ اﻟﻮﺻﻮل إﱃ أﻋﲆ ﻣﺴﺘﻮى ﰲ أرﺑﻌﺔ ﺳﻨﻮات‪ ،‬ﻓﺎن ﻣﺒﻴﻌﺎت اﳌﻨﺎزل‬ ‫ﰲ اﻟﻮﻻﻳﺎت اﳌﺘﺤﺪة ﻳﺒﺪو أﻧﻬﺎ ﺗﻌﺎين ﻣﻦ ﺗﺒﺎﻃﺆ‪ .‬أﺷﺎرت اﻻﺣﺼﺎءات‬ ‫اﻟﺼﺎدرة ﻋﻦ اﻟﺮاﺑﻄﺔ اﻟﻮﻃﻨﻴﺔ ﻟﻠﻮﺳﻄﺎء اﻟﻌﻘﺎرﻳني ان اﳌﺒﻴﻌﺎت ﻗﺪ‬ ‫اﻧﺨﻔﻀﺖ ﺑﻨﺴﺒﺔ ‪ 1.9‬ﰲ اﳌﺎﺋﺔ ﰲ ﺳﺒﺘﻤﱪ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ ﺗﺰال اﳌﺒﻴﻌﺎت‬ ‫أﻋﲆ ﺑﻨﺴﺒﺔ ‪ 10.7‬ﰲ اﳌﺎﺋﺔ ﻣﻘﺎرﻧﺔ ﻣﻊ ﺳﺒﺘﻤﱪ ‪ .2012‬وﻳﺘﻮﻗﻊ ﺧﱪاء‬ ‫اﻻﻗﺘﺼﺎد أن اﳌﺒﻴﻌﺎت ﺳﺘﻮاﺻﻞ اﻹﻧﺨﻔﺎض ﻣﻊ اﺳﺘﻤﺮار ﻣﺸﻜﻠﺔ اﻟﻘﺪرة‬ ‫ﻋﲆ ﺗﺤﻤﻞ اﻟﺘﻜﺎﻟﻴﻒ إﱃ ﺣﻘﻴﻘﺔ أن ﻣﺴﺘﻮﻳﺎت اﻟﺪﺧﻞ مل ﺗﻮاﻛﺐ ارﺗﻔﺎع‬ ‫اﻷﺳﻌﺎر‪ .‬ﻣﻌﺪﻻت اﻟﺮﻫﻦ اﻟﻌﻘﺎري اﻟﻌﺎﻟﻴﺔ ﺳﻮف ﺗﻮاﺻﻞ اﻹﺳﻬﺎم ﰲ‬ ‫اﻻﻧﺨﻔﺎض ﰲ اﻷﺷﻬﺮ اﻟﻘﺎدﻣﺔ‪ ،‬وﻛﺬﻟﻚ ﺗﺄﺧري اﳌﻌﺎﻣﻼت اﻟﻨﺎﺟﻤﺔ ﻋﻦ‬ ‫اﻏﻼق اﻟﺤﻜﻮﻣﺔ اﻷﺧري‪.‬‬ ‫أﺣﺪ اﻷﺳﺒﺎب اﻟﺘﻲ أدت إﱃ ارﺗﻔﺎع اﻷﺳﻌﺎر ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ﺗﺒﺎﻃﺆ‬ ‫اﳌﺒﻴﻌﺎت ﻫﻮ ﻗﻠﺔ اﻟﻌﺮض‪ .‬ﺣﻴﺚ ﻇﻞ إﺟامﱄ ﻣﺨﺰون اﳌﺴﺎﻛﻦ ﰲ‬ ‫ﺳﺒﺘﻤﱪ دون ﺗﻐﻴري وﻛﺎن ﺣﻮاﱄ ‪ 2.21‬ﻣﻠﻴﻮن ﻣﻨﺰل ﻗﺎﺋﻢ ﻣﺘﺎح ﻟﻠﺒﻴﻊ‪،‬‬ ‫وﻫﻮ ﻣﺎ ميﺜﻞ اﻟﻌﺮض ﳌﺪة ﺧﻤﺴﺔ أﺷﻬﺮ ﺑﺎﳌﻌﺪل اﻟﺤﺎﱄ ﻟﻠﻤﺒﻴﻌﺎت ‪.‬‬ ‫ارﺗﻔﺎع أﺳﻌﺎر اﻟﺘﺄﻣني ﺿﺪ اﻟﻔﻴﻀﺎﻧﺎت ﻫﻲ أﻳﻀﺎ ﻣﺪﻋﺎة ﻟﻠﻘﻠﻖ‪ .‬وﻛﺎﻧﺖ‬ ‫ﻧﺤﻮ ‪ 10‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﻌﺎﻣﻼت اﻟﺘﻲ متﺖ ﰲ ﺳﺒﺘﻤﱪ ﰲ ﻣﻨﺎﻃﻖ‬ ‫اﻟﻔﻴﻀﺎﻧﺎت‪ ،‬وﺣﻮاﱄ واﺣﺪ ﻣﻦ ﻛﻞ ﻋﴩة ﻣﻌﺎﻣﻼت‪ ،‬ﻛﺎﻧﺖ ﻫﻨﺎك‬ ‫ﺗﺄﺧريات أو إﻟﻐﺎءات ﺑﺴﺒﺐ ﺣﺎﻟﺔ ﻋﺪم اﻟﻴﻘني ﺑﺸﺄن ارﺗﻔﺎع اﻟﺘﺄﻣني ﺿﺪ‬ ‫اﻟﻔﻴﻀﺎﻧﺎت ‪.‬‬ ‫ﰲ ﺣني أن ﺑﻨﺎء اﳌﻨﺎزل ﺳﻮف ﻳﻠﻌﺐ دورا ً ﻫﺎﻣﺎً ﰲ زﻳﺎدة اﻟﻨﺎﺗﺞ اﳌﺤﲇ‬ ‫اﻹﺟامﱄ‪ ،‬ﻓﺈﻧﻪ ﺳﻮف ﻳﺘﻮﺟﺐ ﻋﲆ اﻟﺤﻜﻮﻣﺔ اﻻﺗﺤﺎدﻳﺔ ﻣﺮاﻗﺒﺔ ﻣﻌﺪﻻت‬

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‫اﳌﺼﺪر‪Propertywire.com :‬‬

‫ﰲ ﺧﻄﻮة ﺗﻬﺪف إﱃ ﻣﻨﻊ ﴍاء اﻟﻌﻘﺎرات ﻣﻦ ﻗﺒﻞ اﻟﻌامل اﳌﻬﺎﺟﺮﻳﻦ‪،‬‬ ‫ﺗﻌﻤﻞ اﻟﺤﻜﻮﻣﺔ اﻟﺮوﺳﻴﺔ ﻋﲆ ﺻﻴﺎﻏﺔ ﺗﻐﻴريات ﻋﲆ اﻟﺘﴩﻳﻌﺎت‬ ‫اﳌﺘﻌﻠﻘﺔ ﺑﴩاء اﻷﺟﺎﻧﺐ ﻟﻠﻌﻘﺎرات‪ .‬ﰲ اﻟﻮﻗﺖ اﻟﺤﺎﴐ‪ ،‬ﻳﺴﻤﺢ ﻟﻸﺟﺎﻧﺐ‬ ‫ﺑﴩاء اﻟﻌﻘﺎرات ﺗﻘﺮﻳﺒﺎً ﻋﲆ ﻗﺪم اﳌﺴﺎواة ﻣﻊ اﻟﺮوس‪ ،‬ﻣﻊ ﻓﺮض ﻗﻴﻮد‬ ‫ﻓﻘﻂ ﻓﻴام ﻳﺘﻌﻠﻖ ﺑﴩاء اﻷراﴈ اﻟﺰراﻋﻴﺔ أو اﻟﻌﻘﺎرات اﻟﻘﺮﻳﺒﺔ ﻣﻦ‬ ‫اﳌﻨﺎﻃﻖ اﻟﺤﺪودﻳﺔ‪ ،‬اﳌﻨﺸﺂت اﻟﻌﺴﻜﺮﻳﺔ‪ ،‬اﳌﻮاﻧﺊ اﻟﺒﺤﺮﻳﺔ و ﻣﺤﺎور‬ ‫اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ اﻷﺧﺮى‪ .‬مبﺠﺮد أن ﻳﺪﺧﻞ اﻟﻘﺎﻧﻮن اﻟﺠﺪﻳﺪ ﺣﻴﺰ اﻟﺘﻨﻔﻴﺬ‬ ‫ﰲ ﻋﺎم ‪ ،2015‬ﻟﻦ ﻳﺘﻤﻜﻦ اﻷﺟﺎﻧﺐ ﻣﻦ ﴍاء اﻟﻌﻘﺎرات دون ﻣﻮاﻓﻘﺔ‬ ‫اﻟﺤﻜﻮﻣﺔ اﻟﺮوﺳﻴﺔ ‪.‬‬ ‫ﻫﻨﺎك ﺷﻘﺎن ﻟﻠﻘﺼﺪ ﻣﻦ وراء ﻫﺬه اﻟﺨﻄﻮة‪ .‬ﺑﺎﻹﺿﺎﻓﺔ إﱃ ﺑﻘﺎء أﺳﻌﺎر‬ ‫اﻟﻌﻘﺎرات ﺗﺤﺖ اﻟﺴﻴﻄﺮة ﻋﻦ ﻃﺮﻳﻖ ﺗﻘﻴﻴﺪ اﻻﺳﺘﺜامرات اﳌﻀﺎرﺑﺔ ﻣﻦ‬ ‫ﻗﺒﻞ اﻷﺟﺎﻧﺐ وﻣﻨﻊ ﻓﻘﺎﻋﺔ اﻷﺳﻌﺎر‪ ،‬ﻓﺈن اﻟﻘﺎﻧﻮن اﻟﺠﺪﻳﺪ ميﻨﻊ ﴍاء‬ ‫اﻟﻌﻘﺎرات ﻣﻦ ﻗﺒﻞ اﻟﻌامل اﳌﻬﺎﺟﺮﻳﻦ ﻣﻦ دول اﻻﺗﺤﺎد اﻟﺴﻮﻓﻴﺎيت‬ ‫اﻟﺴﺎﺑﻖ‪ .‬وﺗﺨﴙ اﻟﺤﻜﻮﻣﺔ ﻣﻦ أن ﻫﺬه اﻟﻌﻘﺎرات ميﻜﻦ ﺗﺄﺟريﻫﺎ‬ ‫ﻷﺻﺤﺎب اﻹﻗﺎﻣﺔ اﳌﺆﻗﺘﺔ‪ ،‬ﻣام ﻳﺆدي إﱃ ﺗﺸﻜﻴﻞ ﻣﻌﺎزل أو ﻣﺪن اﻟﺼﻔﻴﺢ‬ ‫اﳌﻜﺘﻈﺔ ﺑﺎﻟﺴﻜﺎن ﰲ اﻟﻌﺎﺻﻤﺔ ﻣﻮﺳﻜﻮ ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫أﺳﻌﺎر اﻟﺒﻴﻊ واﻹﻳﺠﺎرات‬ ‫ﻳﻘﻊ اﳌﴩوع ﻋﲆ ﻣﺴﺎﺣﺔ ‪ 20‬ﻫﻜﺘﺎرا ً ﻣﻊ ‪ 2،300‬ﻣﺴﻜﻨﺎً‪ ،‬وﻳﺘﻀﻤﻦ‬ ‫ﻣﺰﻳﺠﺎً ﻣﻦ اﻷدوار اﻟﻌﻠﻴﺎ‪ ،‬اﻟﺸﻘﻖ‪ ،‬اﻟﺪوﺑﻠﻜﺲ و ﻣﻨﺎزل اﻟﺒﻠﺪة‪ ،‬أن ﺟﻤريا‬ ‫ﻫﺎﻳﺘﺲ ﻣﺠﺘﻤﻊ ﺳﻜﻨﻲ ﺣﺪﻳﺚ ﺗﺤﻴﻂ ﺑﻪ اﻟﺤﺪاﺋﻖ واﻟﺒﺤريات‪ .‬ﻳﻘﻊ‬ ‫اﳌﴩوع ﺑني ﻣﻨﻄﻘﺔ أﺑﺮاج ﺑﺤريات اﻟﺠﻤريا و ﺟﺰر اﻟﺠﻤريا‪ .‬وﻳﺘﺒﺎﻳﻦ‬ ‫إرﺗﻔﺎع اﳌﺒﺎين ﻣﻦ ﺷﻘﻖ ﻣﻨﺨﻔﻀﺔ اﻻرﺗﻔﺎع وﻣﻨﺎزل اﻟﺒﻠﺪة ﺑﺎﻟﻘﺮب ﻣﻦ‬ ‫ﺟﺰر اﻟﺠﻤريا واﻷﺑﺮاج اﻟﺸﺎﻫﻘﺔ ﻛﻠام إﻗﱰﺑﺖ ﻣﻦ أﺑﺮاج ﺑﺤرية اﻟﺠﻤريا ‪.‬‬ ‫ﻫﻨﺎك ﺧﻤﺲ ﻣﻨﺎﻃﻖ ﻣﻨﻔﺼﻠﺔ‪ ،‬ﻣﺠﻤﻮﻋﺘﺎن ﺳﻌﻔﻴﺘﺎن‪ ،‬وﻣﺠﻤﻮﻋﺘﺎن‬ ‫ﻋﻨﻘﻮدﻳﺘﺎن وﻣﺮﻛﺰ اﻟﻘﺮﻳﺔ‪ .‬ﻣﺮﻛﺰ اﻟﻘﺮﻳﺔ ﻳﺤﻮي ‪ 650‬ﺷﻘﺔ ﻣﻮزﻋﺔ ﻋﱪ‬ ‫ﻣﺒﻨﻴني ﻣﺘﻮﺳﻄﻲ اﻻرﺗﻔﺎع‪ .‬اﳌﺠﻤﻮﻋﺘﺎن اﻟﺴﻌﻔﻴﺘﺎن ﻟﻜﻞ ﻣﻨﻬام ﻣﺒﺎين‬ ‫ﻣﺘﻮﺳﻄﺔ اﻻرﺗﻔﺎع ﺑﺎﻹﺿﺎﻓﺔ إﱃ ‪ 17‬ﻣﻨﺰﻻً‪ ،‬ﰲ ﺣني أن ﻟﻜﻞ ﻣﺠﻤﻮﻋﺔ‬ ‫ﻋﻨﻘﻮدﻳﺔ ﺛﻼﺛﺔ ﻣﺒﺎن ﺳﻜﻨﻴﺔ ﻣﻨﺨﻔﻀﺔ اﻻرﺗﻔﺎع ﻣﻊ ﺷﻘﻖ ﻋﻠﻴﺎ ذات‬ ‫اﻟﺤﺪاﺋﻖ اﻟﺨﺎﺻﺔ‪ .‬اﻟﻮﺻﻮل اﳌﺒﺎﴍ ﻣﻦ اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ إﱃ ﻃﺮﻳﻖ‬ ‫اﻟﺸﻴﺦ زاﻳﺪ ﻳﺠﻌﻞ ﻣﻦ اﻟﺴﻬﻞ اﻟﻮﺻﻮل إﱃ أﺟﺰاء أﺧﺮى ﻣﻦ ديب‪ .‬أﺑﺮاج‬ ‫ﺑﺤرية اﻟﺠﻤريا وﻣﺤﻄﺎت ﻣﱰو ﻣﺎرﻳﻨﺎ ديب ﺗﻘﻊ ﻋﲆ ﻣﻘﺮﺑﺔ ﻣﻦ اﻟﺘﺠﻤﻊ‪.‬‬ ‫ﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ‪ ،‬ﻣﻜﺎﺗﺐ ﻣﺪﻳﻨﺔ ديب ﻟﻺﻋﻼم‪ ،‬ﻣﺪﻳﻨﺔ‬ ‫ديب ﻟﻺﻧﱰﻧﺖ‪ ،‬اﻟﻔﻨﺎدق اﻟﻔﺎﺧﺮة ذات اﻟﺨﻤﺲ ﻧﺠﻮم ﻋﲆ ﺷﺎﻃﺊ اﻟﺒﺤﺮ‬ ‫ﻋﲆ ﺑﻌﺪ ﺧﻤﺴﺔ ﻋﴩ دﻗﻴﻘﺔ ﻓﻘﻂ‪.‬‬

‫أﺳﻌﺎر اﻟﺸﻘﻖ ﰲ اﻟﺠﻤريا ﻫﺎﻳﺘﺲ ﺗﱰاوح ﻣﻦ ‪ 2,100,000‬درﻫﻢ إﱃ‬ ‫‪ 4,100,000‬درﻫﻢ‪ ،‬ﺑﻴﻨام ﺗﱰاوح أﺳﻌﺎر اﻟﻔﻴﻼت ﻣﻦ ‪ 2,600,000‬درﻫﻢ‬ ‫إﱃ ‪ 3,300,000‬درﻫﻢ‪.‬‬ ‫وﺗﱰواح اﻹﻳﺠﺎرات ﰲ اﻟﺠﻤريا ﻫﺎﻳﺘﺲ ﻣﻦ ‪ 160,000‬درﻫﻢ إﱃ‬ ‫‪ 200,000‬درﻫﻢ ﺳﻨﻮﻳﺎً ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﺸﻘﻖ‪ ،‬ﺑﻴﻨام ﻳﺒﻠﻎ ﻣﺘﻮﺳﻂ اﻹﻳﺠﺎرات‬ ‫ﻟﻠﻔﻴﻼ ﺣﻮاﱄ ‪ 380,000‬درﻫﻢ ﺳﻨﻮﻳﺎً‪.‬‬ ‫‪:‬‬

‫‪Properties by bed rooms‬‬

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‫‪Property types‬‬

‫‪t 7JMMB t "QBSUNFOU‬‬

‫‪t CFE‬‬

‫‪Price range‬‬

‫‪2 bed.‬‬

‫‪3 bed.‬‬

‫‪4 bed.‬‬ ‫‪4,000K‬‬

‫‪3,750K‬‬

‫‪3,500K‬‬

‫‪3,250K‬‬

‫‪3,000K‬‬

‫‪2,750K‬‬

‫‪2,500K‬‬

‫‪2,250K‬‬

‫‪2,000K‬‬

‫‪1,750K‬‬

‫‪Price ranges by no. of bedrooms‬‬

‫اﳌﺮاﻓﻖ و اﻟﺨﺪﻣﺎت اﻟﱰﻓﻴﻬﻴﺔ‬

‫‪Average Price‬‬ ‫‪400k‬‬

‫ﻳﻮﺟﺪ مبﺮﻛﺰ اﻟﻘﺮﻳﺔ اﳌﺤﻼت اﻟﺘﺠﺎرﻳﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ اﳌﻘﺎﻫﻲ‪ ،‬اﳌﻄﺎﻋﻢ‪،‬‬ ‫ﺳﻮﺑﺮ ﻣﺎرﻛﺖ‪ ،‬ﺑﻨﻚ‪ ،‬ﺻﻴﺪﻟﻴﺔ‪ ،‬ﺻﺎﻟﺔ رﻳﺎﺿﻴﺔ‪ ،‬ﻣﻼﻋﺐ ﻟﻸﻃﻔﺎل‪ ،‬ﺣامم‬ ‫ﺳﺒﺎﺣﺔ وﻣﻠﻬﻰ ﻟﻴﲇ‪.‬‬

‫‪300k‬‬

‫‪200k‬‬

‫‪100k‬‬

‫‪0K‬‬ ‫‪5 bed.‬‬

‫‪4 bed.‬‬

‫‪3 bed.‬‬

‫‪11‬‬

‫‪-‬‬

‫اﳌﺮاﻓﻖ و اﻟﺨﺪﻣﺎت اﻟﱰﻓﻴﻬﻴﺔ‬ ‫إﱃ ﺟﺎﻧﺐ اﳌﻨﺎﻇﺮ اﻟﻄﺒﻴﻌﻴﺔ ﰲ ﻛﺎﻓﺔ ﺟﻨﺒﺎت اﳌﴩوع‪ ،‬ﻫﺬا اﻟﺘﺠﻤﻊ‬ ‫اﻟﺴﻜﺎين اﳌﻮﺟﻪ ﻧﺤﻮ اﻷﴎة ﺑﻪ اﻟﻌﺪﻳﺪ ﻣﻦ ﺣامﻣﺎت اﻟﺴﺒﺎﺣﺔ‪ ،‬ﻣﻨﺎﻃﻖ‬ ‫ﻟﻠﻌﺐ اﻷﻃﻔﺎل‪ ،‬ﻣﻼﻋﺐ ﻛﺮة اﻟﺴﻠﺔ‪ ،‬ﻣﻼﻋﺐ اﻟﺘﻨﺲ‪ ،‬ﻣﻼﻋﺐ اﻟﻜﺮة‬ ‫اﻟﻄﺎﺋﺮة‪ ،‬ﻃﺮق رﻛﻮب اﻟﺪراﺟﺎت‪ ،‬ﻃﺮق اﻟﺮﻛﺾ وﻣﺴﺠﺪ ‪.‬‬

‫ﻳﻀﻢ ﻫﺬا اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ اﳌﺴﺘﻮﺣﻰ ﻣﻦ ﻃﺒﻴﻌﺔ اﻟﺒﺤﺮ اﻷﺑﻴﺾ‬ ‫اﳌﺘﻮﺳﻂ ‪ 129‬ﻣﻦ اﳌﺒﺎين ﻣﻨﺨﻔﻀﺔ اﻻرﺗﻔﺎع ﺑﻨﻴﺖ ﺑﺘﺼﻤﻴﻢ ذي ﴍﻓﺎت‪.‬‬ ‫ﻳﻮﺟﺪ ﺑﺎﻟﺘﺠﻤﻊ ‪ 3,828‬ﺷﻘﺔ ‪ -‬ﻣﺰﻳﺞ ﻣﻦ اﻟﺸﻘﻖ ذات ﻏﺮﻓﺔ اﻟﻨﻮم‬ ‫اﻟﻮاﺣﺪة أو ﻏﺮﻓﺘني أو ﺛﻼث ﻏﺮف ﻧﻮم‪ .‬وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻫﻨﺎك ‪208‬‬ ‫ﻓﻴﻼ )ﻣﻊ إﻣﻜﺎﻧﻴﺔ اﻹﺧﺘﻴﺎر ﺑني ﺛﻼﺛﺔ وأرﺑﻌﺔ ﻏﺮف ﻧﻮم(‪ .‬اﳌﺒﺎين ﺗﻄﻞ‬ ‫ﻋﲆ ﺑﻌﻀﻬﺎ اﻟﺒﻌﺾ ﻣﻊ وﺟﻮد اﳌﺴﺎﺣﺎت اﻟﺨﴬاء ﰲ ﻛﻞ ﻣﻜﺎن‪ ،‬مبﺎ ﰲ‬ ‫ذﻟﻚ اﻟﺴﺎﺣﺎت اﳌﻐﻠﻘﺔ واﻟﺴﺎﺣﺎت اﻟﻌﺎﻣﺔ اﳌﻔﺘﻮﺣﺔ اﻟﺘﻲ ﺗﺮﺗﺒﻂ ﻣﻦ‬ ‫ﺧﻼل ﻣﺴﺎرات وﻣﻤﺮات ﻣﺮﺻﻮﻓﺔ ﺑﺎﻟﺤﴡ‪ .‬ﻳﻘﻊ اﳌﴩوع ﻋﲆ ﻣﻘﺮﺑﺔ‬ ‫ﻣﻦ ﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ‪.‬‬

‫اﻹﻳﺠﺎرات ﰲ دﻳﺴﻜﻔﺮي ﺟﺎردﻧﺰ ﺗﱰاوح ﺑني ‪ 35,000‬و ‪ 90,000‬درﻫﻢ‬ ‫ﺳﻨﻮﻳﺎً إﻋﺘامدا ً ﻋﲆ ﻧﻮع اﻟﺸﻘﺔ وﻋﺪد ﻏﺮف اﻟﻨﻮم‪.‬‬

‫اﳌﺮاﻓﻖ و اﻟﺨﺪﻣﺎت اﻟﱰﻓﻴﻬﻴﺔ‬

‫أﺳﻌﺎر اﻟﺒﻴﻊ و اﻹﻳﺠﺎرات‬ ‫أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ دﻳﺴﻜﻔﺮي ﺟﺎردﻧﺰ ﺗﱰاوح ﺑني ‪ 380,888‬و‬ ‫‪ 800,000‬درﻫﻢ إﻋﺘامدا ً ﻋﲆ ﻧﻮع اﻟﺸﻘﺔ وﻋﺪد ﻏﺮف اﻟﻨﻮم ‪.‬‬

‫‪Properties by bed rooms‬‬

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‫‪:‬‬

‫‪www.valoran.ae‬‬

‫‪Property types‬‬

‫‪t 7JMMB t "QBSUNFOU‬‬

‫ﻳﻮﺟﺪ ﺑﺎﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ ﺧﺪﻣﺔ اﻟﺼﻴﺎﻧﺔ "ﺑﺎﻟﻬﺎﺗﻒ" ﻋﲆ ﻣﺪار ‪24‬‬ ‫ﺳﺎﻋﺔ‪ ،‬دورﻳﺎت اﻷﻣﻦ‪ ،‬اﳌﻼﻋﺐ‪ ،‬ﺣامﻣﺎت اﻟﺴﺒﺎﺣﺔ‪ ،‬ﻣﻼﻋﺐ اﻟﺘﻨﺲ‪،‬‬ ‫ﻣﻼﻋﺐ ﻛﺮة اﻟﺴﻠﺔ‪ ،‬ﻣﻼﻋﺐ ﻛﺮة اﻟﻘﺪم وﻣﻼﻋﺐ اﻟﻜﺮة اﻟﻄﺎﺋﺮة‪ .‬وﻫﻨﺎك‬ ‫ﻣﺴﺎﺟﺪ ﻳﺴﻬﻞ اﻟﻮﺻﻮل إﻟﻴﻬﺎ‪ .‬أﻗﺮب ﻣﺤﻄﺔ ﻣﱰو ﻫﻲ ﻣﺤﻄﺔ ﻣﱰو ﻣﻮل‬ ‫اﺑﻦ ﺑﻄﻮﻃﺔ‪ .‬وﻫﻨﺎك اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﺘﺎﺟﺮ اﻟﺘﺠﺎرﻳﺔ‪ ،‬مبﺎ ﰲ ذﻟﻚ ﻣﺤﻼت‬ ‫اﻟﺴﻮﺑﺮ ﻣﺎرﻛﺖ واﳌﻄﺎﻋﻢ‪ ،‬داﺧﻞ اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫دﻳﺴﻜﻔﺮي ﺟﺎردﻧﺰ‪ ،‬ﺟﺎردﻧﺰ واﻟﺠﻤريا ﻫﺎﻳﺘﺲ ﻫﻲ ﻣﺸﺎرﻳﻊ اﻟﺘﻤﻠﻚ‬ ‫اﻟﺤﺮ ﻟﻠﻌﻘﺎرات ﻣﻦ ﻗﺒﻞ ﴍﻛﺔ ﻧﺨﻴﻞ‪ ،‬إﺣﺪى ﻛﱪى ﴍﻛﺎت اﻟﺘﻄﻮﻳﺮ‬ ‫اﻟﻌﻘﺎري ﰲ ديب‪ .‬اﳌﺸﺎرﻳﻊ اﻟﺜﻼﺛﺔ ﻫﻲ ﻣﺠﺘﻤﻌﺎت ﻣﻜﺘﻔﻴﺔ ذاﺗﻴﺎ ﺗﻘﻊ ﰲ‬ ‫ﻣﻨﻄﻘﺔ ديب اﻟﺠﺪﻳﺪة‪ .‬اﳌﴩوﻋﺎن اﻷوﻻن ﻳﻘﻌﺎن ﻋﲆ ﻣﻘﺮﺑﺔ ﻣﻦ ﺟﺒﻞ‬ ‫ﻋﲇ‪ ،‬ﰲ ﺣني أن ﻫﺬا اﻷﺧري وراء أﺑﺮاج ﺑﺤرية اﻟﺠﻤريا ‪.‬‬

‫اﻟﺬي ﻳﻘﻮم ﻋﲆ ﻣﻔﻬﻮم اﻟﺤﻴﺎة ﰲ اﻟﺤﺪﻳﻘﺔ‪ .‬ﻫﻨﺎك ‪ 291‬ﻣﺒﻨﻰ ﺑﻬﺎ ﺣﻮاﱄ‬ ‫‪ 26،000‬ﺷﻘﺔ )اﻻﺳﺘﻮدﻳﻮ وﻏﺮﻓﺔ ﻧﻮم واﺣﺪة( و‪ 200‬ﻣﺘﺠﺮ ﺗﺠﺎري‪.‬‬ ‫وﺗﺒﻨﻰ اﳌﺒﺎين ﰲ ﺳﺖ ﻣﺠﻤﻮﻋﺎت‪ ،‬ﻟﻜﻞ ﻣﺠﻤﻮﻋﺔ ﻣﻮﺿﻮﻋﻬﺎ اﻟﺨﺎص ﰲ‬ ‫ﺣﺪﻳﻘﺘﻬﺎ‪ .‬اﳌﺠﻤﻮﻋﺎت اﳌﺨﺘﻠﻔﺔ ﻫﻲ اﻟﺼﺒﺎر اﻟﻔﻨﺎء‪ ،‬اﻟﺤﺪﻳﺚ‪ ،‬اﻟﺒﺤﺮ‬ ‫اﳌﺘﻮﺳﻂ ‪ ،‬أﻣﺮﻳﻜﺎ اﻟﻮﺳﻄﻰ‪ ،‬اﳌﻐﻮﻟﻴﺔ وزﻳﻦ ‪ .‬ﻳﻘﻊ ﻣﴩوع دﻳﺴﻜﻔﺮي‬ ‫ﺟﺎردﻧﺰ ﻋﲆ اﻟﺘﻘﺎﻃﻊ اﻟﺠﺪﻳﺪ ﻋﲆ ﻃﺮﻳﻖ اﻟﺸﻴﺦ زاﻳﺪ‪ ،‬ﺑني اﻟﺘﻘﺎﻃﻌني‬ ‫‪ 5‬و ‪ ،6‬ﻣام ﻳﺴﻬﻞ اﻟﻮﺻﻮل إﱃ ﺷﺎرع اﻹﻣﺎرات‪ ،‬ﻣﱰو ديب وﺟﺒﻞ ﻋﲇ‪.‬‬ ‫وﻳﻘﻊ ﻋﲆ ﻣﺴﺎﻓﺔ ﻗﺼرية ﻣﻦ ﻣﻮل اﺑﻦ ﺑﻄﻮﻃﺔ‪.‬‬

‫ﻋﲆ أﻛرث ﻣﻦ ‪ 26‬ﻣﻠﻴﻮن ﻗﺪم ﻣﺮﺑﻊ‪ ،‬دﻳﺴﻜﻔﺮي ﺟﺎردﻧﺰ ﻫﻮ اﳌﺠﺘﻤﻊ‬

‫اﳌﺼﺪر‪Propertyfinder.ae :‬‬

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‫‪1.5‬‬ ‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ ارﺗﻔﺎع أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ ديب‪ ،‬إﻻ أن ﺑﻨﻚ ديب اﻟﻮﻃﻨﻲ‬ ‫ﻗﺪ ﻋﺪل ﺗﻮﻗﻌﺎﺗﻪ ﻟﻠﺘﻀﺨﻢ ﰲ وﻗﺖ ﺳﺎﺑﻖ ﻣﻦ ‪ 2.5‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 1.5‬ﰲ‬ ‫اﳌﺎﺋﺔ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﺗﻮﻗﻊ اﻟﺒﻨﻚ ﻣﻌﺪل ﺗﻀﺨﻢ ﺑﻨﺴﺒﺔ ‪ 3‬ﰲ اﳌﺎﺋﺔ ﻟﻠﻌﺎم‬ ‫اﳌﻘﺒﻞ واﻟﺬي ﻣﻦ ﺷﺄﻧﻪ ﻣﻮاﻛﺒﺔ اﻻﻧﺘﻌﺎش اﻻﻗﺘﺼﺎدي اﳌﺴﺘﻤﺮ ‪.‬‬ ‫ﻋﲆ اﻟﺮﻏﻢ ﻣﻦ أن أﺳﻌﺎر اﻟﻌﻘﺎرات اﻟﺴﻜﻨﻴﺔ ﰲ ديب ﻗﺪ زادت ﺑﺸﻜﻞ‬ ‫ﻣﻠﺤﻮظ ﺧﻼل اﻷﺷﻬﺮ اﻟﻘﻠﻴﻠﺔ اﳌﺎﺿﻴﺔ‪ ،‬ﻛﺎن اﻟﺘﻀﺨﻢ ﰲ اﻟﻘﻄﺎﻋﺎت‬ ‫اﻷﺧﺮى ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻋﻨﺪ اﻟﺤﺪ اﻷدىن‪ .‬ﺗﺸﻜﻞ‬ ‫ﺗﻜﺎﻟﻴﻒ اﻹﺳﻜﺎن و اﳌﺮاﻓﻖ اﻟﻌﺎﻣﺔ ﻣﺎ ﻳﺰﻳﺪ ﻗﻠﻴﻼً ﻋﻦ ﺛﻠﺚ ﻣﺆﴍ‬ ‫أﺳﻌﺎر اﳌﺴﺘﻬﻠﻚ‪ .‬مل ﻳﻜﻦ ﻫﻨﺎك ﺗﻘﺮﻳﺒﺎً أي ﺗﻀﺨﻢ ﰲ اﳌﻜﻮﻧﺎت اﻷﺧﺮى‬ ‫ﳌﺆﴍ أﺳﻌﺎر اﳌﺴﺘﻬﻠﻚ‪ ،‬وﻇﻠﺖ اﻟﻀﻐﻮط اﻟﺘﻀﺨﻤﻴﺔ ﻣﻨﺨﻔﻀﺔ ﻋﻤﻮﻣﺎً‬ ‫ﺑﺴﺒﺐ اﻷزﻣﺔ اﳌﺎﻟﻴﺔ اﻟﻌﺎﳌﻴﺔ‪ ،‬واﻟﺘﻲ أﺳﻔﺮت ﻋﻦ ﺗﺸﺪﻳﺪ اﻻﺋﺘامن‬ ‫واﻧﺨﻔﺎض اﳌﻌﺎﻣﻼت اﻟﻌﻘﺎرﻳﺔ ‪.‬‬ ‫ﻟﻘﺪ ﻋﺪل ﺑﻨﻚ ديب اﻟﻮﻃﻨﻲ أﻳﻀﺎً ﻣﻦ ﺗﻮﻗﻌﺎﺗﻪ ﻟﻨﻤﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ‬ ‫اﻹﺟامﱄ ﻟﻬﺬا اﻟﻌﺎم إﱃ ‪ 4.4‬ﰲ اﳌﺎﺋﺔ‪ ،‬وﻫﻮ ﻣﺪﻋﻮم ﻣﻦ ﻗﺒﻞ اﻧﺘﺎج‬ ‫اﻟﻨﻔﻂ اﻟﺬي ﺗﺠﺎوز اﳌﺴﺘﻮﻳﺎت اﳌﺘﻮﻗﻌﺔ‪ .‬ﰲ أواﺋﻞ أﻛﺘﻮﺑﺮ‪ ،‬رﻓﻊ ﺻﻨﺪوق‬

‫‪www.valoran.ae‬‬

‫اﻟﻨﻘﺪ اﻟﺪوﱄ ﺗﻮﻗﻌﺎﺗﻪ أﻳﻀﺎً ﻟﻨﻤﻮ اﻟﻨﺎﺗﺞ اﳌﺤﲇ اﻹﺟامﱄ ﰲ دوﻟﺔ‬ ‫اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻣﻦ ‪ 3.1‬ﰲ اﳌﺎﺋﺔ إﱃ ‪ 4‬ﰲ اﳌﺎﺋﺔ ‪.‬‬

‫‪2017‬‬ ‫ﺗﻢ ﺗﻌﻴني ﺻﺎﻟﺔ رﻛﺎب ﺟﺪﻳﺪة ﺑﻘﻴﻤﺔ ‪ 10.8‬ﻣﻠﻴﺎر درﻫﻢ ﰲ ﻣﻄﺎر‬ ‫أﺑﻮﻇﺒﻲ اﻟﺪوﱄ ﻟﻴﺘﻢ إﻓﺘﺘﺎﺣﻬﺎ ﰲ ﻳﻮﻟﻴﻮ ‪ 2017‬ﺑﻬﺪف ﻣﻀﺎﻋﻔﺔ ﺳﻌﺔ‬ ‫اﻟﺮﻛﺎب اﻟﺤﺎﻟﻴﺔ‪ .‬اﻟﺼﺎﻟﺔ‪ ،‬واﻟﺘﻲ ﺳﺘﻜﻮن ﻣﺴﺎﺣﺘﻬﺎ ‪ 700،000‬ﻣﱰا ً ﻣﺮﺑﻌﺎً‪،‬‬ ‫ﺳﻮف ﻳﺘﻢ اﺳﺘﺨﺪاﻣﻬﺎ ﻣﻦ ﻗﺒﻞ ﴍﻛﺔ ﻃريان اﻹﺗﺤﺎد و ﴍﻛﺎﺋﻬﺎ‬ ‫وﺳﺘﺘﻌﺎﻣﻞ ﻣﻊ ‪ 30‬ﻣﻠﻴﻮن ﻣﺴﺎﻓﺮ ﺳﻨﻮﻳﺎً ) ﺿﻌﻒ اﻟﺮﻗﻢ اﻟﺤﺎﱄ اﳌﻘﺪر‬ ‫ﺑﺤﻮاﱄ ‪ 15‬ﻣﻠﻴﻮن ﻣﺴﺎﻓﺮ ﺳﻨﻮﻳﺎً(‪.‬‬ ‫اﻟﺼﺎﻟﺔ اﻟﻮﺳﻄﻰ‪ ،‬ﻛام ﻫﻲ ﻣﻌﺮوﻓﺔ ﻷﻧﻬﺎ ﺗﻘﻊ ﺑني اﺛﻨني ﻣﻦ ﻣﺪارج‬ ‫اﳌﻄﺎر‪ ،‬ﻳﺠﺮي ﺑﻨﺎؤﻫﺎ ﻣﻦ ﻗﺒﻞ إﺗﺤﺎد ﻳﻀﻢ ﴍﻛﺔ أراﺑﺘﻚ ﻣﻦ ديب‪ ،‬ﺗﺎف‬ ‫اﻧﺴﺎت ﻣﻦ ﺗﺮﻛﻴﺎ و اﺗﺤﺎد اﳌﻘﺎوﻟني ﻣﻦ أﺛﻴﻨﺎ‪ .‬وﻳﻌﺪ إﻧﺸﺎء اﻟﺼﺎﻟﺔ‬ ‫اﻟﺠﺪﻳﺪة أﺣﺪ ﻣﺸﺎرﻳﻊ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ اﻟﺮﺋﻴﺴﻴﺔ ﻗﻴﺪ اﻹﻧﺸﺎء ﰲ اﻟﻌﺎﺻﻤﺔ‬ ‫اﻹﻣﺎراﺗﻴﺔ ‪.‬‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫ﴍﻛﺎت اﻟﺒﻨﺎء اﻷﺧﺮى اﻟﺮاﺑﺤﺔ‪ ،‬اﻻﺗﺤﺎد اﻟﻌﻘﺎرﻳﺔ ) ‪ 8.76‬ﰲ اﳌﺎﺋﺔ(‪،‬‬ ‫ﺳﻬﻢ أراﺑﺘﻚ ) ‪ 2.65‬ﰲ اﳌﺎﺋﺔ( ودﻳﺎر ) ‪ 5.34‬ﰲ اﳌﺎﺋﺔ( ‪ .‬ﰲ اﻟﻘﻄﺎع‬ ‫اﳌﴫﰲ‪ ،‬ارﺗﻔﻌﺖ أﺳﻬﻢ ﺑﻨﻚ اﻹﻣﺎرات ديب اﻟﻮﻃﻨﻲ ﺑﻨﺴﺒﺔ ‪ 2.91‬ﰲ‬ ‫اﳌﺎﺋﺔ و ﺑﻠﻎ ‪ 5.56‬درﻫﻢ وﺑﺎﳌﺜﻞ‪ ،‬وﺻﻞ ﺑﻨﻚ ديب اﻹﺳﻼﻣﻲ‪ 4.18‬درﻫﻢ‬ ‫ ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪ 3.98‬ﰲ اﳌﺎﺋﺔ ‪.‬‬‫وﻳﻌﺰى اﻟﺴﺒﺐ ﰲ اﻻﺗﺠﺎه اﻟﺘﺼﺎﻋﺪي إﱃ اﻷﺳﺲ اﻟﻘﻮﻳﺔ و اﻟﺜﻘﺔ ﰲ‬ ‫اﻷﻋامل اﻟﺘﺠﺎرﻳﺔ اﳌﺘﻨﺎﻣﻴﺔ‪ ،‬ﻣﻦ ﺑني أﻣﻮر أﺧﺮى‪ .‬ﻳﺸﻌﺮ ﺑﻌﺾ اﳌﺤﻠﻠني‬ ‫أﻳﻀﺎً ﺑﺄن اﻟﺘﻔﺎؤل ﺣﻮل ﻓﻮز ديب ﺑﺎﺳﺘﻀﺎﻓﺔ ﻣﻌﺮض اﻛﺴﺒﻮ ‪2020‬‬ ‫ﻣﺴﺆوﻻً ﻋﻦ ﻫﺬا اﻻرﺗﻔﺎع اﻟﺤﺎد ﰲ اﳌﺆﴍ‪.‬‬

‫‪100‬‬ ‫‪2020‬‬

‫أﻳﻀﺎ ﻓﺮﻳﺪ ﻣﻦ ﻧﻮﻋﻪ ﺣﻴﺚ ﻳﻘﺪم ﺧﺪﻣﺎﺗﻪ ﳌﺠﻤﻮﻋﺔ ﻣﺘﻨﻮﻋﺔ ﻣﻦ‬ ‫اﻟﺴﻜﺎن ﺗﺘﺄﻟﻒ ﻣﻦ ﻣﺨﺘﻠﻒ اﻟﺠﻨﺴﻴﺎت ‪.‬‬ ‫ﻋﺎﻣﻞ آﺧﺮ ﺟﺪﻳﺮ ﺑﺎﳌﻼﺣﻈﺔ ﻫﻮ أن ﻫﻨﺎك ﻃﻠﺐ ﻛﺒري ﻋﲆ اﳌﺪارس‬ ‫اﻟﺨﺎﺻﺔ ﺣﻴﺚ أن اﻛرث ﻣﻦ ‪ 88‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻟﻄﻠﺒﺔ ﰲ ديب ﻳﺨﺘﺎرون‬ ‫اﻟﺘﻌﻠﻴﻢ ﰲ ﻫﺬه اﳌﺪارس‪ .‬ﺧﻼﻓﺎً ﻟﻠﺘﺼﻮرات‪ ،‬ﻳﻌﺪ اﻟﺘﻌﻠﻴﻢ اﻟﺨﺎص ﰲ‬ ‫ديب رﺧﻴﺺ ﻧﺴﺒﻴﺎ ﺑﺎﳌﻘﺎرﻧﺔ ﻣﻊ ﻣﺪن ﻋﺎﳌﻴﺔ أﺧﺮى‪ .‬اﻟﺮﺳﻮم اﻟﺴﻨﻮﻳﺔ‬ ‫ﻫﻲ ‪ 10,000‬درﻫﻢ ﰲ ﻧﺤﻮ ‪ 45‬ﰲ اﳌﺎﺋﺔ ﻣﻦ ﻫﺬه اﳌﺪارس‪ ،‬ﺑﻴﻨام ‪12‬‬ ‫ﰲ اﳌﺎﺋﺔ ﻣﻦ اﳌﺪارس ﺗﺒﻠﻎ رﺳﻮﻣﻬﺎ أﻛرث ﻣﻦ ‪ 40,000‬درﻫﻢ ﺳﻨﻮﻳﺎً ‪.‬‬ ‫وﺧﻼﻓﺎً ﳌﻌﻈﻢ اﳌﺪن‪ ،‬ﺣﻴﺚ ﻳﺘﻢ ﺗﻨﻈﻴﻢ اﳌﺪارس ﻣﻦ ﻗﺒﻞ اﻟﻮزارات‪،‬‬ ‫ﻓﺈن ديب ﻟﺪﻳﻬﺎ ﻫﻴﺌﺔ ﺣﻜﻮﻣﻴﺔ ﻣﻜﺮﺳﺔ ‪ -‬ﻫﻴﺌﺔ اﳌﻌﺮﻓﺔ ‪ -‬اﻟﺘﻲ ﺗﴩف‬ ‫ﻋﲆ اﳌﺪارس اﻟﺨﺎﺻﺔ و ﺗﻌﺘﻨﻲ ﺑﺎﺣﺘﻴﺎﺟﺎﺗﻬﺎ‪ .‬وﻫﺬا ﻳﺴﺎﻋﺪ ﰲ اﻟﺤﻔﺎظ‬ ‫ﻋﲆ اﻟﺘﻮازن ﺑني اﳌﺼﺎﻟﺢ اﳌﺘﻨﻮﻋﺔ ﻟﻠﻄﻼب‪ ،‬أوﻟﻴﺎء اﻷﻣﻮر‪ ،‬اﳌﻌﻠﻤني‬ ‫واﳌﺴﺘﺜﻤﺮﻳﻦ ‪.‬‬

‫ﻣﻊ ﺗﺰاﻳﺪ إﻫﺘامم اﻟﻌﺪﻳﺪ ﻣﻦ اﳌﺆﺳﺴﺎت اﻟﺘﻌﻠﻴﻤﻴﺔ اﻷﺟﻨﺒﻴﺔ اﻟﺸﻬرية ﰲ‬ ‫إﻧﺸﺎء اﳌﺪارس ﰲ ديب‪ ،‬ﻓﺈﻧﻪ ﻣﻦ اﳌﺮﺟﺢ أن ﺗﻜﻮن ﰲ اﳌﺪﻳﻨﺔ ﺣﻮاﱄ ‪100‬‬ ‫ﻣﺪرﺳﺔ ﺧﺎﺻﺔ ﺟﺪﻳﺪة ﰲ اﻟﺴﻨﻮات اﻟﺨﻤﺲ اﳌﻘﺒﻠﺔ‪ .‬وﺗﺴﺘﻨﺪ ﻫﺬه‬ ‫اﻷرﻗﺎم ﻋﲆ دراﺳﺔ ﻧﴩت ﰲ ﺣﺪث ﻣﻴﻨﺎ ﻟﻼﺳﺘﺜامر اﻟﺘﻌﻠﻴﻤﻲ ‪.‬‬ ‫منﻰ ﻗﻄﺎع اﻟﺘﻌﻠﻴﻢ اﻟﺨﺎص ﰲ ديب منﻮا ً ﻣﻄﺮدا ً ﻋﲆ ﻣﺪى اﻟﺴﻨﻮات‬ ‫اﻟﺨﻤﺲ اﳌﺎﺿﻴﺔ ﻣﻊ ﺗﺰاﻳﺪ ﻋﺪد اﻟﻄﻠﺒﺔ ﺑﻨﺴﺒﺔ ‪ 7‬ﰲ اﳌﺎﺋﺔ‪ .‬ﻳﻮﺟﺪ ﺣﺎﻟﻴﺎً‬ ‫‪ 225،000‬ﻃﺎﻟﺐ ﻣﺴﺠﻠني ﰲ ‪ 153‬ﻣﻦ ﻣﺪارس ديب اﻟﺨﺎﺻﺔ‪ ،‬واﻟﺘﻲ‬ ‫ﺗﻘﺪم ﻣﻨﺎﻫﺞ ﻣﺨﺘﻠﻔﺔ‪ .‬ﻗﻄﺎع اﻟﺘﻌﻠﻴﻢ اﻟﺨﺎص ﰲ ديب ﻫﻮ أﺣﺪ أﻛﱪ‬ ‫اﻟﻘﻄﺎﻋﺎت ﰲ اﻟﻌﺎمل وﺗﻘﺪر ﻗﻴﻤﺔ إﺳﺘﺜامراﺗﻪ ‪ 4.1‬ﻣﻠﻴﺎر درﻫﻢ‪ .‬ﺑﻞ ﻫﻮ‬

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‫إﱃ ‪ 23.3‬ﻣﻠﻴﺎر درﻫﻢ إﺿﺎﻓﻴﺔ ﺗﻨﻔﻖ ﻋﲆ اﻟﺒﻨﻴﺔ اﻟﺘﺤﺘﻴﺔ ﻟﻬﺬا اﻟﺤﺪث‪.‬‬ ‫ﰲ ﺗﻘﺮﻳﺮ ﻣﻨﺘﺼﻒ اﻟﻌﺎم‪ ،‬ﻗﺎل اﻗﺘﺼﺎدﻳﻮن ﻣﻦ ﺑﻨﻚ ﺳﺘﺎﻧﺪرد ﺗﺸﺎرﺗﺮد أن‬ ‫اﻗﺘﺼﺎدات دول ﻣﺠﻠﺲ اﻟﺘﻌﺎون اﻟﺨﻠﻴﺠﻲ ﺗﻌﺘﻤﺪ ﻋﲆ اﻟﻘﻮة اﳌﺎﻟﻴﺔ ﻣﻦ‬ ‫أﺟﻞ ﺗﺤﻘﻴﻖ اﻟﻨﻤﻮ ﻋﲆ اﳌﺪى اﻟﻘﺼري وﻛﺬﻟﻚ اﻟﺘﻨﻮﻳﻊ ﻟﺨﻔﺾ اﳌﺨﺎﻃﺮ‬ ‫اﻟﻄﻮﻳﻠﺔ اﻷﺟﻞ ﰲ اﻗﺘﺼﺎداﺗﻬﺎ‪ .‬وﻣﻦ اﳌﺘﻮﻗﻊ أن ﻳﺮﺗﻔﻊ اﻟﻨﺎﺗﺞ اﳌﺤﲇ‬ ‫اﻹﺟامﱄ اﻟﺤﻘﻴﻘﻲ ﻟﺪوﻟﺔ اﻹﻣﺎرات ﺑﻨﺴﺒﺔ ‪ 3.4‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪ 2013‬و‬ ‫‪ 3.6‬ﰲ اﳌﺎﺋﺔ ﰲ ﻋﺎم ‪. 2014‬‬

‫ﰲ اﻟﻘﻄﺎع اﳌﴫﰲ أﻳﻀﺎً‪ ،‬إﺳﺘﻘﺮت ﻧﺴﺐ اﻟﻘﺮوض إﱃ اﻟﻮداﺋﻊ ﰲ‬ ‫اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﳌﺘﺤﺪة ﻣﻘﺎرﻧﺔ ﻣﻊ ﻣﺴﺘﻮﻳﺎت ‪ .2009-2011‬وﻳﺮﺟﻊ‬ ‫ذﻟﻚ ﰲ اﻷﺳﺎس إﱃ زﻳﺎدة اﻟﻮداﺋﻊ‪ ،‬و اﻟﺘﻲ منﺖ ﺑﻨﺴﺒﺔ ‪ 12‬ﰲ اﳌﺎﺋﺔ‬ ‫ﺧﻼل اﻟﻌﺎم اﳌﻨﺘﻬﻲ ﰲ ﻳﻮﻟﻴﻮ ‪ .2013‬وﻣﻊ ذﻟﻚ‪ ،‬ﻻ ﻳﺰال منﻮ اﻻﺋﺘامن ﰲ‬ ‫اﻟﻘﻄﺎع اﻟﺨﺎص ﻣﻨﺨﻔﻀﺎً‪ ،‬ﻣﺸريا إﱃ أن اﻟﴩﻛﺎت ﺗﺘﺒﻊ ﻧﻬﺞ اﻻﻧﺘﻈﺎر‬ ‫واﳌﺮاﻗﺒﺔ‪ ،‬وﻟﻜﻦ ﻣﻦ اﳌﺮﺟﺢ أن ﺗﺘﻐري ﻫﺬا اﻟﻨﻬﺞ ﻣﻊ اﺳﺘﻤﺮار اﻻﻗﺘﺼﺎد‬ ‫ﰲ اﻟﺘﺤﺴﻦ‪.‬‬

‫ﺗﻮاﺻﻞ اﻟﺘﻮﻗﻌﺎت اﻻﻗﺘﺼﺎدﻳﺔ اﻹﻳﺠﺎﺑﻴﺔ ﰲ ديب‪ ،‬واﻟﺘﻲ أﻇﻬﺮت منﻮا ً ﺛﺎﺑﺘﺎً‬ ‫ﰲ اﻟﻘﻄﺎﻋﺎت اﻷﺳﺎﺳﻴﺔ ﻣﺜﻞ اﻟﺴﻴﺎﺣﺔ واﻟﺘﺠﺎرة واﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ‪.‬‬ ‫ﰲ أﺑﻮﻇﺒﻲ‪ ،‬ﺗﺴﺘﻤﺮ زﻳﺎدة اﻻﺳﺘﺜامرات اﻟﺤﻜﻮﻣﻴﺔ ﰲ دﻋﻢ اﻟﻨﻤﻮ ﰲ‬ ‫اﻟﻘﻄﺎﻋﺎت ﻏري اﻟﻬﻴﺪروﻛﺮﺑﻮﻧﻴﺔ‪ .‬ﰲ ﺳﻮق اﻟﻌﻘﺎرات ﰲ ديب‪ ،‬إرﺗﻔﻌﺖ‬ ‫ﺧﻼل اﻟﻌﺎم اﳌﺎﴈ أﺳﻌﺎر اﻟﺸﻘﻖ و اﻟﻔﻠﻞ ﺑﻨﺴﺒﺔ ‪ 24‬ﰲ اﳌﺎﺋﺔ و ‪ 38‬ﰲ‬ ‫اﳌﺎﺋﺔ ﻋﲆ اﻟﺘﻮاﱄ‪ .‬وارﺗﻔﻌﺖ اﻹﻳﺠﺎرات ﰲ ديب ﺑﻨﺴﺒﺔ ‪ 20‬ﰲ اﳌﺎﺋﺔ و‬ ‫‪ 17‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﻔﱰة ﻧﻔﺴﻬﺎ‪ ،‬ﰲ ﺣني إﺳﺘﻘﺮت اﻷﺳﻌﺎر واﻹﻳﺠﺎرات‬ ‫ﰲ ﻗﻄﺎع اﻟﻌﻘﺎرات ﰲ أﺑﻮﻇﺒﻲ ﻋﲆ ﻣﺪى اﻻﺛﻨﻲ ﻋﴩ ﺷﻬﺮا ً اﳌﺎﺿﻴﺔ ‪.‬‬

‫ﰲ اﻷﺣﺪ ‪ 20‬أﻛﺘﻮﺑﺮ‪ ،‬وﺻﻞ اﳌﺆﴍ اﻟﻌﺎم ﻟﺴﻮق ديب اﳌﺎﱄ إﱃ أﻋﲆ‬ ‫ﻣﺴﺘﻮى‪ ،‬ﻟﻴﻐﻠﻖ ﻋﻨﺪ ‪ 2،909.91‬ﻧﻘﻄﺔ ‪ -‬وﻫﻲ اﻟﺰﻳﺎدة اﻷﻋﲆ ﻣﻨﺬ‬ ‫ﻧﻮﻓﻤﱪ ‪ .2008‬وﻛﺎﻧﺖ اﻷﺳﻬﻢ اﻟﻌﻘﺎرﻳﺔ واﳌﴫﻓﻴﺔ ﻣﻦ أﻛرث اﻟﺮاﺑﺤني‪.‬‬ ‫ﺷﻬﺪت ﺟﻠﺴﺔ ﻳﻮم اﻻﺣﺪ إﻧﺨﻔﺎض أﺳﻌﺎر أﺳﻬﻢ ﺧﻤﺲ ﴍﻛﺎت ﻓﻘﻂ‬ ‫وﺑﻘﻴﺖ ﺛﻼﺛﺔ ﻋﻨﺪ ﻣﺴﺘﻮﻳﺎﺗﻬﺎ‪.‬‬

‫وﻣﻦ اﻟﻌﻮاﻣﻞ اﻷﺧﺮى اﻟﺘﻲ ميﻜﻦ أن ﺗﺰﻳﺪ ﻣﻦ ﺗﻌﺰﻳﺰ اﻟﻨﻤﻮ اﻻﻗﺘﺼﺎدي‬ ‫ﻓﻮز ديب ﰲ ﻋﻄﺎء اﺳﺘﻀﺎﻓﺔ ﻣﻌﺮض اﻛﺴﺒﻮ ‪ 2020‬ﺣﻴﺚ ميﻜﻦ أن ﻳﺆدي‬ ‫‪www.valoran.ae‬‬

‫وﻣﻦ ﺑني اﻷﺳﻬﻢ اﻟﺮاﺋﺪة اﻟﺮاﺑﺤﺔ ﻛﺎﻧﺖ ﴍﻛﺔ إﻋامر اﻟﻌﻘﺎرﻳﺔ‪ ،‬اﻟﺘﻲ‬ ‫إرﺗﻔﻌﺖ أﺳﻬﻤﻬﺎ ﺑﻨﺴﺒﺔ ﺛﻼﺛﺔ ﰲ اﳌﺎﺋﺔ ﻟﺘﺼﻞ إﱃ ‪ 6.15‬درﻫﻢ ﺑﻌﺪ‬ ‫إﻋﻼن ﺧﻄﺘﻬﺎ ﻹﻃﻼق ﻣﴩوع ﰲ اﻟﻌﺮاق ﰲ اﻷﺳﺒﻮع اﻟﺘﺎﱄ‪ .‬وﺷﻤﻠﺖ‬

‫‪Valoran Real Estate Brokers‬‬ ‫‪Your Lifestyle Broker‬‬

‫‪2013‬‬ ‫ﰲ ﻋﺎم ‪ 2013‬ﺳﻴﺘﻲ ﺳﻜﻴﺐ ﻏﻠﻮﺑﺎل ﰲ ديب‪ ،‬اﻟﺤﺪث اﻟﺬي اﺳﺘﻤﺮ ﳌﺪة‬ ‫ﺛﻼﺛﺔ أﻳﺎم ﻣﻦ ‪ 8‬إﱃ ‪ 10‬أﻛﺘﻮﺑﺮ‪ ،‬وﺷﻬﺪ اﻟﻘﻄﺎع اﻟﺴﻜﻨﻲ أﻗﴡ ﻧﺸﺎﻃﺎً‬ ‫ﰲ اﳌﺸﺎرﻳﻊ اﻟﺴﻜﻨﻴﺔ اﻟﺮاﻗﻴﺔ ) ﰲ ﻣﻮاﻗﻊ ﻣﺘﻤﻴﺰة‪ ،‬و أﺳﻌﺎر ﻋﺎﻟﻴﺔ( وﻫﻮ‬ ‫ﻣﺎ ميﺜﻞ ﺣﻮاﱄ ‪ 70‬ﰲ اﳌﺎﺋﺔ ﻣﻦ اﻹﻋﻼﻧﺎت ‪.‬‬ ‫أﻋﻠﻦ ﻣﻌﻈﻢ أﺑﺮز اﳌﻄﻮرﻳﻦ‪ ،‬مبﺎ ﰲ ذﻟﻚ داﻣﺎك‪ ،‬دﻳﺎر ﻟﻠﺘﻄﻮﻳﺮ‪ ،‬ديب‬ ‫اﻟﻘﺎﺑﻀﺔ‪ ،‬ﻣﺠﻤﻮﻋﺔ ديب ﻟﻠﻌﻘﺎرات‪ ،‬ديب وورﻟﺪ ﺳﻨﱰال‪ ،‬إﻋامر‪ ،‬ﻧﺨﻴﻞ‪،‬‬ ‫ﻣﻴﺪان‪ ،‬ﻣرياس اﻟﻘﺎﺑﻀﺔ و أﻣﻨﻴﺎت ﻋﻦ اﳌﺸﺎرﻳﻊ اﻟﺠﺪﻳﺪة اﻟﺘﻲ ﺑﻠﻎ‬ ‫إﺟامﱄ ﻗﻴﻤﺘﻬﺎ ﻋﺪة ﻣﻠﻴﺎرات ﻣﻦ اﻟﺪراﻫﻢ‪ .‬ﺷﺎرك ﺣﻮاﱄ ‪ 223‬ﻋﺎرﺿﺎً‪،‬‬ ‫إﻗﻠﻴﻤﻴﺎً ودوﻟﻴﺎً‪ ،‬ﰲ ﻃﺒﻌﺔ ‪ 2013‬ﻣﻦ ﻣﻌﺮض ﺳﻴﺘﻲ ﺳﻜﻴﺐ ﻏﻠﻮﺑﺎل‬ ‫‪ ،2013‬اﻟﺬي ﺷﻤﻞ ‪ 6‬ﻗﺎﻋﺎت ﻋﺮض ﻋﲆ أﻛرث ﻣﻦ ‪ 25،000‬ﻣﱰ ﻣﺮﺑﻊ‪.‬‬

‫‪DIFC‬‬

‫‪2014‬‬

‫ﻣﻦ اﳌﺘﻮﻗﻊ أن ﺗﺒﺪأ ﰲ أواﺋﻞ ﻋﺎم ‪ 2014‬اﳌﺮﺣﻠﺔ اﻟﺘﺎﻟﻴﺔ ﻣﻦ ﺗﻄﻮﻳﺮ‬ ‫ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ‪ .‬وﺗﺘﻀﻤﻦ اﻟﺨﻄﺔ اﳌﺤﺪﺛﺔ إﺿﺎﻓﺎت إﱃ اﻟﺒﻨﻴﺔ‬ ‫اﻟﺘﺤﺘﻴﺔ واﳌﺮاﻓﻖ ﻋﺎﳌﻴﺔ اﳌﺴﺘﻮى ﻟﺘﻠﺒﻴﺔ ﻣﻄﺎﻟﺐ اﻟﻌﻤﻼء اﻹﻗﻠﻴﻤﻴني‬ ‫واﻟﺪوﻟﻴني‪ .‬إﻻ أﻧﻬﺎ ﺗﺄﺧﺬ أﻳﻀﺎ ﺑﻌني اﻻﻋﺘﺒﺎر اﻟﻄﻠﺐ اﳌﺘﺰاﻳﺪ ﻋﲆ‬ ‫اﳌﺴﺎﺣﺎت ﻣﻦ اﻟﻌﻤﻼء اﻟﺬﻳﻦ ﻳﺒﺤﺜﻮن ﻋﻦ ﺗﻮﺳﻌﺔ أﻋامﻟﻬﻢ‪.‬‬ ‫اﻟﺤﻲ اﻟﺸامﱄ ﻣﻦ ﻣﺮﻛﺰ ديب اﳌﺎﱄ اﻟﻌﺎﳌﻲ ﺳﻮف ﺗﺴﺘﺨﺪم ﻟﻠﻤﻜﺎﺗﺐ‪،‬‬ ‫ﰲ ﺣني ﺳﻴﺘﻢ اﺳﺘﺨﺪام اﻟﺤﻲ اﻟﺠﻨﻮيب ﻣﻦ أﺟﻞ اﻟﺘﻨﻤﻴﺔ اﻟﺴﻜﻨﻴﺔ و‬ ‫ﺗﻄﻮﻳﺮ منﻂ اﻟﺤﻴﺎة‪ .‬أﻣﺎ ﻣﺮﻛﺰ اﳌﺪﻳﻨﺔ ﺳﻮف ﻳﻜﻮن ﻣﴩوع ﻣﺘﻌﺪد‬ ‫اﻻﺳﺘﺨﺪاﻣﺎت ﻣﻊ وﺳﺎﺋﻞ اﻟﱰﻓﻴﻪ واﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ‪ .‬وﺳﻴﺘﻢ رﺑﻂ‬ ‫اﳌﻨﺎﻃﻖ اﻟﺜﻼث مبﻨﺘﺰه ﻣﻦ اﳌﺴﺎﺣﺎت اﻟﺘﺠﺎرﻳﺔ اﻟﺘﻲ ﺳﻮف ﺗﻮﻓﺮ أﻳﻀﺎ‬ ‫راﺑﻄﺎً ﺑﻴﻨﻬﺎ‪.‬‬

‫΃ ‪ ͧ U` )˯ >z( 0 {Qa ɯ+ y,a‬ﻧﻈﺮا ً ﻷﻧﻬﻢ مل ميﺘﺜﻠﻮا‬ ‫ﻟﻠﻘﻮاﻋﺪ اﻟﺨﺎﺻﺔ ﺑﺄﻧﺸﻄﺔ اﻟﺒﻨﺎء‪ ،‬أﻟﻐﺖ اﻟﺒﻠﺪﻳﺔ ﺗﺮاﺧﻴﺺ ‪ 2‬ﻣﻦ‬ ‫اﻟﴩﻛﺎت اﻟﻬﻨﺪﺳﻴﺔ و‪ 4‬ﻣﻦ ﴍﻛﺎت اﻟﺒﻨﺎء‪ ،‬إﱃ ﺟﺎﻧﺐ ﻓﺮض‬ ‫ﻏﺮاﻣﺎت ﺿﺨﻤﺔ‪ .‬وﻛﺎﻧﺖ ﻫﺬه اﻷﻧﺸﻄﺔ ﻗﺪ متﺖ ﻣﻦ دون إذن أو‬ ‫ﻣﻌﺮﻓﺔ ﻣﻦ اﻟﺒﻠﺪﻳﺔ و ﻣﻬﻨﺪﺳﻴﻬﺎ ‪.‬‬ ‫΃ `‪ 3 Nz kz‬ﰲ اﻹﻣﺎرات ﺳﻮف ﻳﺤﺼﻞ ﻋﲆ ﻧﻈﺎم ﺑﻄﺎﻗﺎت اﻟﺪﺧﻮل‬ ‫اﻵﱄ‪ :‬ﺗﻌﻤﻞ إﻋامر ﻋﲆ ﺗﺮﻛﻴﺐ ﻧﻈﺎم ﺑﻄﺎﻗﺎت اﻟﺪﺧﻮل اﻵﱄ )‬ ‫‪ ،( AACS‬اﻟﺬي ﻳﺘﺤﻜﻢ ﰲ اﻟﺴﻴﺎرات اﻟﺘﻲ ﺗﺪﺧﻞ وﺗﺨﺮج ﻣﻦ‬ ‫اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ‪ .‬مبﺠﺮد ﺗﺮﻛﻴﺒﻪ‪ ،‬ﺳﻮف ﻳﺴﻤﺢ ﻟﻠﻤﺮﻛﺒﺎت اﳌﺴﺠﻠﺔ‬ ‫ﻟﻠﺴﻜﺎن ﻓﻘﻂ ﻣﻦ دﺧﻮل اﻟﺘﺠﻤﻊ اﻟﺴﻜﻨﻲ‪ .‬وﻳﺠﺮي إﺳﺘﺨﺪام‬ ‫اﻟﻨﻈﺎم ﰲ ﺗﺠﻤﻊ اﻟﻴﻨﺎﺑﻴﻊ ‪ 3‬ﻋﲆ أﺳﺎس ﺗﺠﺮﻳﺒﻲ‪ ،‬وإذا ﻧﺠﺢ اﻟﻨﻈﺎم‪،‬‬ ‫ﺳﺘﻨﺘﴩ ﻧﺴﺨﺔ ﻣﻨﻪ ﰲ اﻟﺘﺠﻤﻌﺎت اﻟﺴﻜﻨﻴﺔ اﻷﺧﺮى ‪.‬‬ ‫΃ ‪ RTA ʙ< s˯ r W0E` zo Krʁe‬ﻳﻌﻴﺪ ﺗﺴﻤﻴﺔ ‪430‬‬ ‫ﻃﺮﻳﻖ ﰲ ديب‪ :‬ﻣﻊ ﻧﻈﺎم اﻟﻌﻨﻮان اﳌﺘﻜﺎﻣﻞ اﻟﺠﺪﻳﺪ ﻟﻬﻴﺌﺔ اﻟﻄﺮق‬ ‫واﳌﻮاﺻﻼت‪ ،‬متﺖ إﻋﺎدة ﺗﺴﻤﻴﺔ ‪ 430‬ﺷﺎرع ﰲ ديب ﺣﺘﻰ اﻵن‪ ،‬و‬ ‫ﺳﻴﺘﻢ إﻋﺎدة ﺗﺴﻤﻴﺔ أﻛرث ﻣﻦ ‪ 22،000‬ﻣﻦ اﻟﺸﻮارع ﻋﲆ ﻣﺪى ﻓﱰة‬ ‫ﺧﻤﺲ ﺳﻨﻮات‪ .‬وﻓﻘﺎ ﻟﻠﻨﻈﺎم اﻟﺠﺪﻳﺪ‪ ،‬ﺳﻴﺘﻢ ﺗﻘﺴﻴﻢ اﳌﺪﻳﻨﺔ إﱃ‬ ‫ﻋﺪة ﻗﻄﺎﻋﺎت‪ ،‬وﺗﻘﺴﻴﻢ ﻛﻞ ﻗﻄﺎع إﱃ ﻋﺪد ﻣﻦ اﳌﺠﺘﻤﻌﺎت‬ ‫اﳌﺤﻠﻴﺔ‪.‬‬ ‫΃ ‪ {kaL + 2e _ʙ( le fzX ˱Lʜ / YM` Nz ɯ+ g\ %e‬‬ ‫إﻟﻜﱰوين‪ :‬ﺳﻠﺠﺖ ﻣﺤﺎﻛﻢ ديب رﻗام ﻗﻴﺎﺳﻴﺎً ﺟﺪﻳﺪا ً ﰲ ﻣﻮﺳﻮﻋﺔ‬ ‫ﻏﻴﻨﻴﺲ ﻣﻦ ﺧﻼل ﺑﻴﻊ ﻋﻘﺎر ﺑﻘﻴﻤﺔ ‪ 94‬ﻣﻠﻴﻮن درﻫﻢ ﺧﻼل ﻣﺰاد‬ ‫ﻋﻠﻨﻲ إﻟﻜﱰوين أﺟﺮي ﺑني اﳌﺘﻘﺪﻣني ﻣﻦ ﺧﻼل اﻹﻧﱰﻧﺖ‪ .‬وﺗﻢ ﴍاء‬ ‫ﻫﺬا اﻟﻌﻘﺎر‪ ،‬واﻟﺬي ﻛﺎن ﻗﻄﻌﺔ أرض‪ ،‬ﻣﻦ ﻗﺒﻞ ﻣﺠﻤﻮﻋﺔ ﻣﻦ‬ ‫اﳌﺴﺘﺜﻤﺮﻳﻦ اﻹﻣﺎراﺗﻴني ‪.‬‬

‫‪5‬‬

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‫ﻳﻮاﺟﻪ اﳌﺴﺘﺄﺟﺮون ﰲ اﻟﺸﺎرﻗﺔ زﻳﺎدة ﺣﺎدة ﰲ اﻹﻳﺠﺎرات اﻟﺴﻨﻮﻳﺔ‬ ‫ﻷﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات ﰲ ﻣﺒﺎﻧﻴﻬﻢ ﺣﻴﺚ ﻳﻘﻮم اﳌﻼك ﺑﺎﻻﺳﺘﻔﺎدة‬ ‫اﻟﻘﺼﻮى ﻣﻦ أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات ﰲ اﳌﺠﻤﻌﺎت اﻟﺴﻜﻨﻴﺔ ﻣﻦ ﺧﻼل‬ ‫اﳌﻄﺎﻟﺒﺔ ﺑﺰﻳﺎدة إﻳﺠﺎر أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات ﻷﻛرث ﻣﻦ اﻟﺜﻠﺜني أﺛﻨﺎء‬ ‫ﺗﺠﺪﻳﺪ ﻋﻘﻮد اﻹﻳﺠﺎر‪ .‬ﰲ ﺳﻴﻨﺎرﻳﻮ أﺻﺒﺤﺖ ﻓﻴﻪ أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات‬ ‫ﺷﺤﻴﺤﺔ‪ ،‬ﻻ ﻳﻜﻮن ﻫﻨﺎك أي ﺧﻴﺎرات أﺧﺮى أﻣﺎم اﻟﺴﻜﺎن ﺳﻮى ﺗﻠﺒﻴﺔ‬ ‫ﻫﺬه اﳌﻄﺎﻟﺐ‪ ،‬واﻟﺘﻲ ﰲ ﺑﻌﺾ اﻟﺤﺎﻻت ﺗﻜﻮن أﻛرث ﻣﻦ ﺿﻌﻒ ﻣﻌﺪﻻﺗﻬﺎ‬ ‫اﻟﺴﺎﺑﻘﺔ‪ ،‬ﻣﻦ أﺟﻞ اﻟﺤﺼﻮل ﻋﲆ أﻣﺎﻛﻦ ﻟﻮﻗﻮف ﺳﻴﺎراﺗﻬﻢ ‪.‬‬ ‫ﰲ ﺣني أن ﺟﻤﻴﻊ اﳌﺴﺘﺄﺟﺮﻳﻦ ﻏري راﺿني ﻋﻦ ﻫﺬا اﻹرﺗﻔﺎع اﻟﺤﺎد‪،‬‬ ‫ﻳﺸﻌﺮ اﻟﺒﻌﺾ ﺑﺄﻧﻬﻢ ﺳﻮف ﻳﺪﻓﻌﻮن أﻛرث ﻣﻦ ﺗﻠﻚ اﻟﺰﻳﺎدة ﰲ ﺣﺎل ﺗﺮﻛﻮا‬ ‫ﺳﻴﺎراﺗﻬﻢ ﰲ ﻓﻀﺎء رﻣﲇ ﻣﻔﺘﻮح ﺣﻴﺚ ان اﺣﺘامﻟﻴﺔ وﻓﺮﺻﺔ ﺗﴬر‬ ‫اﻟﺴﻴﺎرات وﺧﺪﺷﻬﺎ ﻋﺎﻟﻴﺔ‪ .‬ﰲ ﺣني إﺿﻄﺮ أﺧﺮون ﻛﺎﻧﻮا ﻳﻨﻮون ﺗﺄﺟري‬ ‫ﻣﻜﺎن ﻟﻮﻗﻮف ﺳﻴﺎراﺗﻬﻢ ﻋﻨﺪ ﺗﺠﺪﻳﺪ ﻋﻘﻮد اﻹﻳﺠﺎر إﱃ ﺗﺄﺟﻴﻞ اﻟﻘﺮار‬ ‫ﺑﺴﺒﺐ اﻟﺰﻳﺎدة اﳌﻘﺘﻄﻌﺔ ﻣﻦ ﻣﻴﺰاﻧﻴﺎﺗﻬﻢ‪.‬‬ ‫ﺑﻮﺿﻮح‪ ،‬ﺗﺤﺘﺎج ﺣﺎﻟﺔ أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات ﰲ اﻟﺸﺎرﻗﺔ إﱃ ﺗﺤﺴني‪.‬‬

‫ﻛﺜري ﻣﻦ اﳌﺴﺘﺄﺟﺮﻳﻦ اﻟﺬﻳﻦ ﻳﺮﻏﺒﻮن ﰲ اﻟﺪﻓﻊ و رﻛﻦ ﺳﻴﺎراﺗﻬﻢ ﰲ‬ ‫ﻣﺒﺎﻧﻴﻬﻢ مل ﻳﻜﻦ ﻟﺪﻳﻬﻢ ﻫﺬا اﻟﺨﻴﺎر ﺑﺴﺒﺐ ﻋﺪم ﻛﻔﺎﻳﺔ أﻣﺎﻛﻦ وﻗﻮف‬ ‫اﻟﺴﻴﺎرات‪ .‬ﰲ ﻛﺜري ﻣﻦ اﻷﺣﻴﺎن‪ ،‬ﻳﺘﻌﺮض اﳌﻘﻴﻤﻮن اﻟﺬﻳﻦ ﻳﺮﻛﻨﻮن‬ ‫ﺳﻴﺎراﺗﻬﻢ ﻋﲆ ﺟﺎﻧﺒﻲ اﻟﻄﺮﻳﻖ ﻟﺪﻓﻊ ﻏﺮاﻣﺎت ﻳﻮﻣﻴﺔ ﺑﺴﺒﺐ ﻋﺮﻗﻠﺔ‬ ‫ﺗﺪﻓﻖ ﺣﺮﻛﺔ اﳌﺮور‪.‬‬ ‫ﺑﻨﺎء ﻣﺴﺎﺣﺎت إﺿﺎﻓﻴﺔ ﻟﻮﻗﻮف اﻟﺴﻴﺎرات ميﻜﻦ أن ﻳﻮﻓﺮ ﺣﻼً ﻟﻬﺬه‬ ‫اﻷزﻣﺔ‪ .‬ﰲ ﻋﺎم ‪ ،2008‬أﻋﻠﻦ ﻣﺴﺆوﻟﻮن أن ﻫﻨﺎك ‪ 40‬ﻣﻦ ﻣﻮاﻗﻒ‬ ‫اﻟﺴﻴﺎرات ﻣﺘﻌﺪدة اﻟﻄﻮاﺑﻖ ﺳﻴﺘﻢ ﺑﻨﺎؤﻫﺎ‪ .‬وﻣﻊ ذﻟﻚ‪ ،‬ﻓﺈن إﻧﻬﻴﺎر أﺣﺪ‬ ‫اﳌﺸﺎرﻳﻊ ﰲ ﻣﻨﺘﺼﻒ اﻟﻄﺮﻳﻖ وأﺧﺮ ﻳﺼﻞ إﱃ ﻃﺮﻳﻖ ﻣﺴﺪود ﻓﺈن‬ ‫اﻹﺿﺎﻓﺔ إﱃ ﻣﺨﺰون أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات ﻻ ﺗﺰال ﺣﻠام ﺑﻌﻴﺪا ً اﳌﻨﺎل‪.‬‬

‫‪5‬‬ ‫ﻟﻠﺮﺑﻊ اﻟﺜﺎين ﻋﲆ اﻟﺘﻮاﱄ ﻣﻦ ﻋﺎم ‪ ،۲۰۱۳‬ﺗﻮاﺻﻞ ديب ﺻﺪارﺗﻬﺎ ﻟﻘﺎمئﺔ‬ ‫دﻟﻴﻞ اﻟﻌﻘﺎرات اﻟﻌﺎﳌﻴﺔ ﺑﺄﻋﲆ أﺳﻌﺎر اﻟﺒﻴﻊ اﳌﺴﺠﻠﺔ ﻋﱪ ‪ ۴۲‬ﻣﺪﻳﻨﺔ‪.‬‬ ‫ارﺗﻔﻌﺖ اﻷﺳﻌﺎر ﰲ ديب ﺑﺤﻠﻮل اﻟﻌﺎم ﺑﻨﺴﺒﺔ ‪ ۱۷٫۹۹‬ﰲ اﳌﺎﺋﺔ ﻋﲆ‬ ‫أﺳﺎس ﺳﻨﻮي ﻣﻘﺎرﻧﺔ ﺑﺎﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪ .۲۰۱۲‬ﺑني اﳌﺪن اﻟﻌﺎﳌﻴﺔ‪،‬‬ ‫واﺣﺘﻠﺖ ﺗﺎﻳﻮان اﳌﺮﻛﺰ اﻟﺜﺎين اﻟﺬي ﻛﺎﻧﺖ ﺗﺤﺘﻠﻪ ﻫﻮﻧﻎ ﻛﻮﻧﻎ ﺳﺎﺑﻘﺎً‬ ‫ﻣﺴﺠﻠﺔ ارﺗﻔﺎﻋﺎ ﺑﻨﺴﺒﺔ ‪ ۱۴٫۵۲‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﺴﻨﺔ اﳌﺎﻟﻴﺔ اﳌﻨﺘﻬﻴﺔ ﰲ‬ ‫ﻳﻮﻧﻴﻮ ‪ ۲۰۱۳‬وﺟﺎءت ﻫﻮﻧﺞ ﻛﻮﻧﺞ ﰲ اﳌﺮﻛﺰ اﻟﺜﺎﻟﺚ ﺑﺰﻳﺎدة ﻗﺪرﻫﺎ ‪۱۳٫۷‬‬ ‫ﰲ اﳌﺌﺔ‪ .‬ﰲ أﻋﻘﺎب اﻧﻬﻴﺎر اﻻﻗﺘﺼﺎدي اﻟﻌﺎﳌﻲ‪ ،‬اﻧﺨﻔﻀﺖ أﺳﻌﺎر اﳌﻨﺎزل‬ ‫ﺑﻨﺴﺒﺔ ‪ ۵۳‬ﰲ اﳌﺎﺋﺔ ﺑني اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ ﻣﻦ ﻋﺎم ‪ ۲۰۰۸‬إﱃ اﻟﺮﺑﻊ اﻟﺜﺎﻟﺚ‬ ‫ﻣﻦ ﻋﺎم ‪ .۲۰۱۱‬ﺑﺪأ اﻻﻧﺘﻌﺎش ﰲ ديب ﰲ اﻟﺮﺑﻊ اﻟﺜﺎين ﻣﻦ ﻋﺎم ‪،۲۰۱۲‬‬ ‫ﺑﺘﺄﻳﻴﺪ واﺳﻊ داﺧﻞ ﻟﻠﻨﻤﻮ اﻻﻗﺘﺼﺎدي اﻟﺼﺤﻲ ﰲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫اﳌﺘﺤﺪة‪ .‬وﻓﻘﺎ ﻟﺪﻟﻴﻞ اﻟﻌﻘﺎرات اﻟﻌﺎﳌﻴﺔ‪ ،‬ﺷﻬﺪت اﻹﻣﺎرة زﻳﺎدة ﰲ ﺛﻘﺔ‬ ‫اﳌﺴﺘﻬﻠﻜني واﳌﺴﺘﺜﻤﺮﻳﻦ ﻧﻈﺮا ﻟﺴﻬﻮﻟﺔ اﻟﺤﺼﻮل ﻋﲆ اﻟﺘﻤﻮﻳﻞ‪ ،‬واﻟﻌﻤﻠﺔ‬ ‫اﻟﺘﻲ ﻳﺠﺮي رﺑﻄﻬﺎ ﺑﺎﻟﺪوﻻر ووﺿﻊ اﳌﺪﻳﻨﺔ ﻛﻤﻼذ آﻣﻦ‪.‬‬ ‫وﻓﻘﺎ ﻟﺒﻴﺎﻧﺎت ﴍﻛﺔ ﻧﺎﻳﺖ ﻓﺮاﻧﻚ اﻟﱪﻳﻄﺎﻧﻴﺔ ﰲ اﻹﺳﺘﺸﺎرات‪ ،‬ﺳﺠﻠﺖ‬ ‫أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ ديب ارﺗﻔﺎﻋﺎ ﺑﻨﺴﺒﺔ ‪ ۲۱٫۷‬ﰲ اﳌﺎﺋﺔ ﺧﻼل اﻟﻌﺎم‬ ‫اﳌﺎﴈ )اﳌﻨﺘﻬﻲ ﰲ ﻳﻮﻧﻴﻮ ‪ .(۲۰۱۳‬ﰲ أواﺋﻞ ﺳﺒﺘﻤﱪ‪ ،‬وﻗﺎل ﺳﺘﺎﻧﺪرد‬ ‫ﺗﺸﺎرﺗﺮد أن اﻟﺰﻳﺎدة اﻟﺤﺎﻟﻴﺔ ﰲ أﺳﻌﺎر اﻟﻌﻘﺎرات ﰲ ديب ﺗﻘﻮم ﻋﲆ‬ ‫ﺗﺤﺴني اﻟﻨﺸﺎط اﻻﻗﺘﺼﺎدي ﺑﺪﻻ ﻣﻦ اﳌﻀﺎرﺑﺔ‪ ،‬واﻟﺘﻲ أﺳﻔﺮت ﻋﻦ‬ ‫اﻧﻬﻴﺎر ﺧﻼل ﻋﺎم ‪.۲۰۰۸‬‬

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‫ﻗﺮﻳﺒﺎً ﺳﻮف ﻳﺼﺒﺢ ﰲ ﻣﻘﺪور ﻣﺸﱰي اﻟﻌﻘﺎرات ﰲ ديب ﻣﻌﺮﻓﺔ ﻛﻞ‬ ‫اﳌﻌﻠﻮﻣﺎت اﳌﺘﻌﻠﻘﺔ ﺑﺎﻟﻌﻘﺎرات اﳌﺤﺘﻤﻠﺔ ﻓﻘﻂ ﻋﻦ ﻃﺮﻳﻖ اﻟﺘﻘﺎط‬ ‫ﺻﻮرة ﻟﻬﺎ وﺗﺤﻤﻴﻠﻬﺎ ﻋﲆ ﺑﺮﻧﺎﻣﺞ ﺗﻄﺒﻴﻖ اﻹﻧﱰﻧﺖ اﻟﺨﺎص ﺑﺒﻠﺪﻳﺔ ديب‪.‬‬ ‫ﺧﺪﻣﺔ "ﺗﺤﺪﻳﺪ ﻣﻮﻗﻊ اﻷراﴈ" اﻟﺠﺪﻳﺪة ﺗﺴﻤﺢ ﻟﻠﻤﺸﱰﻳﻦ ﺑﺎﻟﺤﺼﻮل‬ ‫ﻋﲆ ﻛﻞ اﻟﺘﻔﺎﺻﻴﻞ اﻟﺨﺎﺻﺔ ﺑﺄي ﻗﻄﻌﺔ أرض ﻋﻦ ﻃﺮﻳﻖ إدﺧﺎل رﻗﻢ‬ ‫اﻟﻘﻄﻌﺔ ﰲ اﻟﱪﻧﺎﻣﺞ‪ .‬وﺳﻮف ﺗﻜﻮن اﻟﺨﺪﻣﺔ ﻣﺘﺎﺣﺔ أﻳﻀﺎً ﰲ ﺻﻮرة‬ ‫ﺗﻄﺒﻴﻖ ﻟﻠﻬﻮاﺗﻒ اﻟﺠﻮاﻟﺔ ﻗﺮﻳﺒﺎً‪.‬‬ ‫ﰲ اﳌﺮﺣﻠﺔ اﻷوﱃ‪ ،‬ﺳﻮف ﻳﺘﻤﻜﻦ اﳌﺸﱰون ﻣﻦ اﻟﻮﺻﻮل إﱃ اﻟﱪﻧﺎﻣﺞ ﻣﻦ‬ ‫ﺧﻼل اﺛﻨني ﻣﻦ اﻷﻛﺸﺎك اﳌﺜﺒﺘﺔ ﰲ ﻣﻜﺘﺐ داﺋﺮة اﻷراﴈ واﻷﻣﻼك‪،‬‬ ‫وﻛﺬﻟﻚ ﺗﻠﻚ اﳌﻮﺟﻮدة ﰲ ﻣﻘﺮ ﺑﻠﺪﻳﺔ اﻟﺪﻳﺮة و ﻓﺮﻋني ﰲ اﻟﻄﻮار واﳌﻨﺎرة‪.‬‬

‫ﺳﻮف ﺗﺤﺴﻦ اﻟﺨﺪﻣﺔ اﻟﺠﺪﻳﺪة ﻣﻦ ﺗﴪﻳﻊ اﳌﻌﺎﻣﻼت اﳌﺘﻌﻠﻘﺔ‬ ‫ﺑﺎﻷراﴈ وﻛﺬﻟﻚ متﻜﻦ اﳌﺴﺘﺜﻤﺮﻳﻦ ﻣﻦ اﻟﺤﺼﻮل ﻋﲆ اﳌﻌﻠﻮﻣﺎت‬ ‫ﺑﴪﻋﺔ ﻣﻊ اﻟﺸﻌﻮر مبﺰﻳﺪ ﻣﻦ اﻟﺮاﺣﺔ ﺣﻴﺚ ﻳﺘﻢ إدراج اﻟﺒﻴﺎﻧﺎت ﻋﻠﻨﺎً‪.‬‬ ‫ﻳﺸﻌﺮ ﻣﺪﻳﺮ ﻋﺎم ﺑﻠﺪﻳﺔ ديب‪ ،‬اﳌﻬﻨﺪس ﺣﺴني ﻧﺎﴏ ﻟﻮﺗﺎه‪ ،‬أن ﻣﴩوع‬ ‫ﺑﺮﻧﺎﻣﺞ ﺗﺤﺪﻳﺪ ﻣﻮﻗﻊ اﻷراﴈ ﺳﻮف ﻳﺴﺎﻋﺪ ﰲ إﻋﻄﺎء دﻓﻌﺔ ﻗﻮﻳﺔ‬ ‫ﻟﻘﻄﺎع اﻟﻌﻘﺎرات ‪.‬‬ ‫وميﻜﻦ اﺳﺘﺨﺪام اﻟﱪﻧﺎﻣﺞ ﻋﲆ أﺟﻬﺰة اﻟﻜﻤﺒﻴﻮﺗﺮ‪ ،‬اﻷﺟﻬﺰة اﻟﺠﻮاﻟﺔ‬ ‫واﻟﻬﻮاﺗﻒ اﻟﺬﻛﻴﺔ‪ ،‬وميﻜﻦ ﺗﺤﻤﻴﻠﻪ ﻣﻦ ﺧﻼل اﻟﺮاﺑﻂ اﻟﺘﺎﱄ‪:‬‬ ‫‪.http://plotlocator.dm.gov.ae‬‬

‫ﻳﻮﻓﺮ ﺑﺮﻧﺎﻣﺞ اﻟﺘﺨﻄﻴﻂ اﻟﺤﴬي ﻣﻌﻠﻮﻣﺎت ﻣﻔﺼﻠﺔ ودﻗﻴﻘﺔ ﻋﻦ اﳌﻮﻗﻊ‬ ‫واﳌﺸﺎرﻳﻊ‪ ،‬ﻣﺜﻞ ارﺗﻔﺎع اﳌﺒﻨﻰ اﳌﻘﱰح وﻋﺪد أﻣﺎﻛﻦ وﻗﻮف اﻟﺴﻴﺎرات‪.‬‬ ‫وﺑﺎﻹﺿﺎﻓﺔ إﱃ ذﻟﻚ‪ ،‬ﻓﺈﻧﻪ ﻳﻮﺿﺢ ﻣﺎ إذا ﻛﺎﻧﺖ اﻷرض ﻣﻌﺪة ﻟﻺﺳﺘﺨﺪام‬ ‫اﻟﺼﻨﺎﻋﻲ‪ ،‬اﻟﺘﺠﺎري أو اﻟﺴﻜﻨﻲ‪.‬‬

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Prepared by: Alpha & Beta FZE

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