The affluent society simply can�t work otherwise than by creating artificial needs and funding them through extensive credit. The 2008 subprime credit bubble caused the 2010 sovereign debt crisis, which highlighted

in turn the inflated role of government and of the tax system. As the financial crisis and the sovereign debt

crisis unfolded, it became increasingly obvious that financial markets were heading to a potential new crash, and that citizens needed safe haven investments to protect their assets.


Real estate outperforms stocks and bonds over the long term and is less volatile than commodities and financial market investments. Gold is of course an attractive option, but still is of no practical use.


The real estate market in the Mediterranean has been hit by the recent financial and sovereign debt crises. For example, prices in Malta increased by 70% between 2000 and 2007 before falling by 20% between 2008 and 2011, then began to increase again. This creates interesting investment opportunities.

This market is all the more promising for investors as overall and real estate prices are significantly lower than those in Europe, for a quality of the construction and finishing that is comparable, while quality of life is much superior to the one of the major European countries.

In addition, the tax environment is favorable. For example, VAT in Cyprus is only 5% of the purchase of a first home or a primary residence.

Here are some reasons why capital owners should invest in these markets:


-  Smaller markets offer more stability for investors than larger markets such as Greece and Spain, which are 

   affected by strikes and social unrest.

-  The prices are lower than in the South of France or Italy.


-   These countries have democratic political systems, unlike those of the southern shores of the Mediterranean.


-  They are members of the European Union, while offering attractive offshore options.


-  Unlike Eastern European low-cost countries such as Romania and Bulgaria, they are not affected by chronic corruption and speculation.

-  These countries are safe, with rates of delinquency and crime that are particularly low in international comparison.

-  Their air, ground and sea transport infrastructure is excellent.

-   In these former British dominions, communication in English is not a problem.


- The healthcare system too is excellent.

-  The education system offers international curricula.

-  These countries are active throughout the year. 


As for the climate, it is influenced by the sea, and is typical of the Mediterranean with hot, dry summers and mild winters. The average summer temperature can reach 31�C (88�F) or more, and it allows beach activities and yachting until November.

A wide variety of properties is available on the market. The traditional house � which can be very modern inside - is an option, be it urban or rural. Given the short distances, it is possible to live in a village without being isolated. New and modern buildings, luxury villas, apartments in a marina... are other possibilities.

How can an international investor buy property in Malta or Cyprus?

TSCF analyses in detail the investor�s needs, including their tastes, aspirations, plans, and budget. We perform an in-depth search, both remotely and on the spot, to identify 4 to 5 profitable investment opportunities. This range of options is then submitted to the investor for decision. Our research identifies all key aspects of the properties involved, such as their functional and structural characteristics, the characteristics of the environment and surrounding land, of the transportation system, supply system, local culture and climate, and the legal and tax conditions. TSCF performs a preliminary legal review, so as to identify beforehand all the terms and conditions and to ensure the legal security of the operation, and we draw up the legal acts required.

This is an all-inclusive, tailor-made service that allows investors to come into possession of the property of their dreams in optimal conditions.














Copyright � The Social Capital Foundation 2012, All Rights Reserved