Q.: We are the point of deciding whether
to have a skimmer or overflow type pool. Any suggestions
on this? Please could we have your opinion within the
next 15 days since our contractor is pressing us for an
answer? We love your Q+A column.
Janet & Glen MacGregor
A.: Having said about love, who am I not to answer to
you within your deadline! The normal size pool for an 8
m. x 4.0 m. (1.40 m. depth) skimmer type costs
approximately £8.000 (including one meter of stone
pavement around etc). The overflow costs around £12.000.
So, first it is a matter of cost. Also an overflow pool
looks better and it cleans better since leaves etc do
not have to reach the skimmers to be absorbed etc.
Usually the skimmer type for the size quoted has 2
skimmers. So if you opt for the skimmer (due to cost
etc) ask for 3 or 4 skimmers two on either side. This
will improve the cleaning but with no much more cost.
Did I meet your deadline my friends?
A.P. Loizou
Q.: Cyprus has a problem with fires and very little
wood/trees. So don’t you think that it is about time
that open fireplaces in houses should be abolished?
Lenios Christou
A.: I do not recall of any forest fires being caused by
a fireplace but it can happen. People’s stupidity and
indifference is more to blame Lenios. In any case there
is a gadget that you can place on top of the chimney, a
stainless steel round object with fins which helps the
air flow and limits any fire chips escaping outside the
house. On your second point, I will say this is a bit
drastic. We could import wood for fireplaces from
abroad, as we do charcoal. I do appreciate your concern
however.
A.P. Loizou
Q.: What is the cost of building a home nowadays Mr
Loizou? When we bought our plot, on which we planned to
build our holiday home, the cost was around £500/sq.m.
We read your column regularly and we have the impression
that now is considerably more, to the extent that we are
considering whether we can afford it.
Kyriakos & Helen Sparsis
A.: It is very open-ended question my friends, since
costs depend on design, quality, topography, facilities
etc. But I will say that for a house, which costed £500
3 years ago, the current rate now is around £650-£750/sq.m.
On a more positive side, your plot’s value must be worth
around double. So work with your finances and if you are
having difficulty, look around for good opportunities
that exist now in the touristic areas, since you can get
good buys. Have your plot appraised and think of the
alternatives (selling your plot and buying a ready made
home) and decide accordingly.
A.P. Loizou
Q.: I have read your Q+A column on the lady who wants
her sons to work in Cyprus and your reply. Well done Mr
Loizou for your help and your attitude towards young
people. I also noted your Cambridge scholarships as well
as that of Reading University. Well done again.
This is the third time I am writing the same letter to
you and your refusal not publishing it does not satisfy
me. If you are doing a good job for the young, why your
readers should not be informed about it?
Stella H” Spyrou – U.K.
A.: Thank you Stella for your touching letters. Our
“social” activities for the young and others, as a firm,
is not known, neither we have the policy of promoting
it.
Young people is our future and we must all help in a
united E.U.
A.P. Loizou
Q.: I have read a story about an English person who has
been beaten by the developers, who sold his house to
another British person. Yet nothing has happened in
terms of justice. Don’t you think that this sort of
thing and the bad publicity that this person is giving
does not help the real estate market for our island? I
understand that this person is camping out of the London
Cyprus High Commission for sometime now giving out
leaflets etc. Do you know anything about this, since
foreign people must think that this is a Mafia country?
Helena Powel
A.: I am aware of this very sad situation, as well as
others, but I am not aware of the facts (both sides). I
cannot be a judge on this, especially since the case is
under police investigation (not all buyers are angels I
can tell you). From the buyer’s side it appears that the
police have done very little, as well as the Attorney
General. On another note I get letters (not published)
expressing fears of not submitting a complain, because
“they are afraid” from some developers/contractors.
Although I do appreciate that a foreign person wishing
to have a house here the least of his worries should be
court cases etc, I always say do not be afraid of
barking-teethless dogs. I have had a similar experience
as an Office and our case after a lot of pressure is
leading to courts. I suggest to you the readers of this
column, do not fear. Go through the legal channels and
although justice here takes a long time, it is there at
the end.
A.P. Loizou
Q.: We are at the final stages of
completing our house and I am in two minds whether to
use marble floor finish or ceramic tiles. The word
marble alone rings nicely to my ears and hopefully if
and when the time comes to sell it, it will do the same
to a potential purchaser (should I wish to sell it after
sometime). What do you think Mr Loizou?
Garry Gates
A.: If I were you I would try to avoid marble especially
the ones with white color. Admittedly it looks nice and
it has the prestige element, but it gets stained and
dirty over the years since marble tends to absorb water,
dirt etc. Also some type of marble get chips coming off
them. So, unless it is a very good quality marble, try
to avoid it. Ceramics do not look as nice but they do
not have the problems I have mentioned. Use marble for
wall (e.g. bathrooms etc), granite for kitchen-bathroom
counters and parquet or ceramic tiles in the rest of the
house. You might not appreciate what I am suggesting to
you now, but you will remember me after 8-10 years (time
I suspect when you will sell your house).
All the best
A.P. Loizou
Q.: We have heard (admittedly at our local pub) that
couples who are not married/ or married under civil
law/or are not married in Cyprus, they are not
considered as being a “legal” couple, hence they cannot
benefit the tax allowance that couples can benefit with,
with respect to real estate. Any truth in this?
J & K
A.: I do not understand what exactly you refer to
regarding the property’s tax exception, but I can assure
you that a valid wedding is treated here as such
independently of the religion. You do appreciate it must
be a marriage recognized as such in one’s own country,
civil marriages are OK. Your pub, it seems, is a source
of some form of education, be it misleading.
A.P. Loizou
Q.: I understand that under Cyprus law I am not allowed
to leave my property under a will to whom I wish. I find
this strange since it is my property, which I gained
through my own efforts and I must surely be allowed to
leave it to whomever I want.
J. & L.
A.: This is a serious question and I do suggest you
contact a lawyer. If you are not domicile in Cyprus,
your rights are governed by the U.K. (if you are
British) law or the law of your country of domicile. If
you are in Cyprus-domicile in Cyprus there are
restrictions where you can leave your estate, the
percentage that you can give away, the rights of
children/wife etc etc.
A.P. Loizou
Q.: We wish to have a garden full of trees and our over
1.000 sq.mts. plot allows us to do so. Following your
advice we have planted local trees such as pines, carob
and olive trees. Yet and despite our 3 year upbringing
they now seem to be drying, few at a time – Any
experience on this Mr Loizou, since these trees are like
our children. We spend so much time and we get so much
enjoyment from them we will be very sad to lose them.
Susan & Pat Kofsou –Moni
A.: I assume that you water them regularly (although
once a week for 1 hour is sufficient). From there on you
must analyze the water quality if it contains increased
volume of salt etc. If all is OK check the sub soil.
Sometimes there are rock planes underneath the roots the
top soil of 1-2 feet. The rock concentrates the water
and the trees dry. Use the services of a good gardener,
who knows what he is
talking about, or, even better, use the services of the
Forestry Department (pleased to help and without charge
with first class advice). The feeling of losing your
trees I came to know myself on many occasions.
A.P. Loizou
Q.: Is there a scale fee regarding
valuation reports on real estate in Cyprus or each
individual charges whatever he thinks is right? I have
been quoted so many different figures for a simple
valuation for sale/buy of our home, that you are my last
resort.
Nino Mercury
A.: There cannot be an “agreed” valuation fee amongst
local valuers due to E.U. regulations. So each firm has
its own scale. On the whole however, I will say that a
valuation fee ranges from 1‰ to 1½‰ for a simple
straightforward valuation for acquisition/disposal
purposes subject to a minimum of around £100-£150 (+V.A.T.).
In case of high worth properties (homes) there is a
prevailing maximum of around £500-£600 (+ V.A.T.). But I
repeat myself that, prior to appointment ask for a
quotation and agree upon. What is more important is to
engage a professional firm of valuers (preferably a
Chartered Surveyor) who are governed by standards (be it
they differ from firm to firm) of the Royal Institution.
I take this opportunity to add here that in the U.K. and
other E.U. countries, some of the international
valuations/property consulting firms, they add at the
end that “they bear no responsibility”. This I cannot
accept and I wonder how these firms are allowed to use
such a clause. We have done with one of the U.K.’s
prestigious chartered surveyors firms a job in Cyprus
about a port and whereas our report was unconditional,
the U.K.’s firm was conditional as “not bearing
responsibility”!!
A word of caution. If the valuation report is for court
especially in case of compulsory acquisitions, the fees
are much more – get a quotation beforehand since it can
reach £2.000-£3.000 (+ V.A.T.).
A.P. Loizou
Q.: I have applied to the Registrar of Estate Agents to
be so registered. I have been awaiting for the last 6
months for a reply and despite my numerous letters of
reminder, I have had no response. Can you help me Mr
Loizou?
Linda J.
A.: A well known problem. Not the best body to get a
reasonably quick response. I will call them for you
Linda and find out why this situation is repeating
itself. All the best with your application.
A.P. Loizou
Q.: I have read your reply on young people wishing to
train in Cyprus and the disadvantage you say that not
knowing the Greek language is a serious problem. Surely
with a boom property market and with such a large number
of foreign demand, speaking Greek is not an absolute
necessity. Why you discourage the young Mr Loizou to
come here?
Fiona Fellini
A.: Far from it dear Fiona. I have said that young non
Greek speaking people could be employed most likely with
the local developers as opposed to local professional
firms. Local firms must submit reports, attend meetings
with the Lands office and other authorities and deal
mostly with locals and appear in court etc. As a firm,
we have taken on, this year alone 4 young graduates and
I am all for the young (and not only in staff matters,
see our educational-scholarship policy on the subject
etc). The problem with a young graduates getting a job
with a developer etc may not count as “an approved
training office” by the various professional
institutions that these young people might want to join.
There is such an abundance now of young people from U.K.
looking for a job (due to the state of the property
market there) that there are numerous inquiries on the
subject. Alas the situation has started not to be very
good here as well (be it not as bad on the job front).
As it always happens with the Cyprus property boom over
the last 10 years, numerous young have been directed
towards a postgraduate degree in real estate (the first
degree being on an unrelated subject). These youngsters
will always have a disadvantage as opposed to those who
have a real estate first degree (3 year course as
opposed to an 8 month only + the first degree). This
system works OK in large countries and large
organizations where the various professionals do a small
bit of the whole. In Cyprus, on the contrary, a
professional firm is called upon to be an all rounder.
So if young people wish to follow this profession, I do
suggest to have a 3 year first degree in real estate, as
a prerequisite, increasing their chance of a successful
career in the future.
I regret for my elongated letter, but I took the
opportunity to let the younger generation know of the
circumstances here.
A.P. Loizou
Q+A: An elongated letter has been
received from Mr Goran Svensson who is a representative
of the Swedish Sawmills in Cyprus regarding my advice to
Petro Dais to opt for a concrete pitched roof, instead
of timber one. He claims that a timber roof can
accommodate an attic as much as a concrete roof. I beg
to disagree. Timber roofs have interrupting members
reducing the attic size to minimal. I repeat that the
quality of our craftsman in Cyprus and the quality of
imported timber (untreated) including bad storage
conditions and very low quality of craftsmanship are all
reasons to avoid a timber roof. Mr Svensson suggests to
get skilled timber/roof craftsman. I agree and I would
love to have their names since it is a rarety in this
country.
A.P. Loizou
Q.: Dear Sir,
I have been a great admirer of yours for a long time now
and of the way you try and help people with their
problems. I never thought that I would be one of those,
but now find myself in need of professional help.
I first came to Cyprus as a widowed old aged pensioner
in 1992. I always rented my houses and I have had 3 over
the years. In June 2006 I rented a property, having had
to leave the last house because of the excessive traffic
noise, and I was asked how long a rental I wanted. I
explained that as I was 84 years old it should be my
last move. I had found peace and quiet in this rental
and a garden for my rescued dog and security for my last
remaining years. The owners of the property own other
houses in the road and imagine our surprise when we
discovered a few months ago that all the properties were
being advertised on the internet for sale.
The other tenants and myself have been refused another
yearly contract and I asked my Landlord what my position
was and he said “not to worry” as I can stay until the
property is sold. But I do worry, as I have no security
or peace of mind. How long have I got in the house, a
month, 2, 3, 4 or 1 year? And then I will have nowhere
to live – not every one wants a dog and he must have a
garden. I now find the worry is affecting my health.
I came to Cyprus all those years ago as the climate was
good for my arthritis – having lived over 30 years on my
own I do not want to move again. Have I any rights. Any
advice you can give me would be very much appreciated.
Not all people from England are millionaires. Some of us
have to exist on a sterling pension.
We have been told that the landlord wants the money from
the sale of these houses for an investment in another
country as the land is cheaper.
Yours Faithfully
Doris Mac (name changed)
A.: My dear madam I am sorry about your circumstances
and I sympathize with your situation. If the house you
live in was completed prior to December/1999, you stand
to become a statutory tenant and as such you have rights
of security of rent and tenure and getting you out
becomes very difficult. If not, then you are a
contractual tenant and you are at the mercy of the
landlord when your contract expires. I thank you for
your comments and should you need any further assistance
I will be pleased to help.
A.P. Loizou
3/27842-td
27.8.08
Q.: To Mr Antonis Loizou
May I start by saying what a great column you write
weekly and what an interesting read you give to many.
Ok I will start by saying that I am a very religious
reader of the Cyprus weekly (mainly of your Q+A) and
have never come across a question like mine before from
other readers. I live in England I have subscribed and
cant wait for my weekly read.
I am a Cypriot born in the UK but looking to move to
Cyprus with my family within the next year or so
permanently.
About 3 years ago a large piece of land in a village
just outside of larnaka was being divided in to plots to
be sold and I was told about it from a member of family
so I thought I would purchase a plot as we are planning
to move to Cyprus.
As we are UK residents we found it hard to take a loan
in Cyprus so we agreed with the seller that we pay him
over a period of time which we have done total purchase
price was £43.500cy.
We are holding back about £5.000cy as we where told by
many until title deeds are issued.
Firstly because of the way we purchased the plot by
paying him slowly over about 2 years we where unable to
notify the land registry of our purchase at the time. I
don’t know if we can log our purchase with the land
registry now we have paid for it and if so will they
take into account the price we paid for it as prices
have since risen and the plot is worth more the purchase
price.
My question to you is, we have since found a house to
buy and are thinking of selling the plot ?
How can we go about this, title deeds have not yet been
issued and from what I can make of things in Cyprus this
can take years, another is that the land registry does
not have any records of our purchase.
Also what level of taxes will we be liable for as the
plot may be worth in the region of about £110.000cy.
My I thank you in advance and when I move to Cyprus I
will look you up and buy you a nice cold beer.
Regards Mr Photiou U.K.
A.: Thank you for your comments on the column. To
withhold money until the title deed is issued it will
depend on the sales contract terms (so be careful on
this count).
You can lodge your sales contract with the Lands Office
within 2 months after the date of signing. So unless the
seller agrees to enter into a new contract, there is no
way out.
On the question of the transfer fees you must provide
satisfactory proof to persuade the Lands Office on the
date of purchase (it is up to them). If not you will
have to pay transfer fees on the value as at the date of
transfer. If you bought the property with (say) another
person, you can have the plot transfer in say, two
shares, reducing thus the fee scale/transfer fees.
I suggest that you check at what stage the title deed
issue is. What you hear about regarding the years of
waiting refers mainly to buildings and not for building
plots (much quicker for the latter).
Should you wish to sell, you have the following options:
(a) Enter into a cancellation agreement with the
registered owner/seller, who will have to make a new
contract with the new buyer. You must pay the capital
gains tax (20% on the difference) and this will also
require the cooperation of the seller who might not
accept (this way you will not pay transfer fees) or
(b) Have your contract assigned to the new buyer. Not as
good a solution, but it is done. This means that you
will have first the plot transfer on your name (thus
paying transfer fees) and then you to the new buyer.
The tax will depend on the gain. There is a 20% tax on
the gain but with lots of exceptions and reductions
reducing the effective tax to around 10% on the actual
gain – If it is two of you the tax will be even less.
Regarding now the cold beer do you mind if it is whisky
with lots of ice?!!
A.P. Loizou
Q.: I have a plot of land within a
development area, but the plot has no public access,
only a private right of way. I have made an application
to build 4 houses within the plot (6000 sq.mts.) and my
application was turned down, due to “unsatisfactory
access”. I cannot understand it Mr Loizou. Any reason
for it, since I know that one can carry out development
based on a right of way.
Dimitri Moliva
A.: Provided you have registered on your title a right
of way 12 feet wide and no longer (from a public road)
of 100 mts., you can build 1-2 housing units. If more
the planning authority will require a width of 20 feet.
I feel that your architect ought to have examined this
matter with the planning authority prior to the
application. If it is possible, try to make an
adjustment of boundaries with the plot in front, so that
you can reach the road in the form from a land strip of
a width not less than 20 feet (thus having a public road
access). Usually the exchange formula is 2 to 1, i.e.
you give two times the extent that you will get. It is a
matter of reaching an agreement with an accommodating
neighbor. Boundary adjustment procedure is simple and
straightforward.
I hope I was of some help.
A.P. Loizou
Q.: I am a shop
keeper on Possidonos Avenue and I must say that, on the
whole, the upgrading of the road and the construction of
the “shades” along the shops is a well done job. What I
am asking you Mr Loizou is whether the closing to
vehicular traffic of the avenue will harm or will it
help the passing pedestrian traffic flow. I am in the
jewellery business and I need to hear an independent and
expert’s opinion on this, since I am called upon, by the
opposing sides to take a stand, one way or another.
D.K. (name withheld)
A.: A never ending dispute in Cyprus. At the beginning
we had the same problem with Ledra Street, then the
Larnaca Phoenicoudhes promenade and now Possidonos
Avenue. As you might know, we have as an firm our Kato
Paphos office there and if I may say so, we are an
interested party. On the whole I hold the view that the
pedestrian conversion of Possidonos, will be a better
solution. It gives the visitors a more relaxing
atmosphere/environment, it gives the chance to children
to run around and especially in your case (jewellery
shop) a more relaxed time to gaze in your shop window.
Since most visitors are tourists I feel that this is
what your potential customers prefer. For us, locals,
however with our own attitudes and always wishing to
park our car within the shop (not even near it) it is
another matter. The results of Ledra and Phoenicoudhes
streets, as well that of St. Andreas street in Limassol,
are positive indications of an improved trade. Having
said this, there must be ample available parking near
the avenue (which is has). We, as an Office, have
suggested the pedestrian option during the afternoon
hours (i.e. 16-6.0) with the remaining hours being free
to traffic. This is a good compromise I feel.
A.P. Loizou
Q.: Dear Mr Loizou do you remember me? I am the one who
suggested to you to provide your Q+A column in a hard
copy, which could be sold at cost to all interested
persons. You said you will look into it. Any news?
John Andrew
A.: I have passed on your idea to the editor and I am
awaiting his reply. Your idea was to give it free as a
Xmas present to the readers. I will have to remind the
editor about it. In the meantime our articles and Q+A
are so recorded in our website. Thank you for your
interest and support. It is this the sort of thing that
encourages me to carry on. It is not an easy job John, I
can assure you.
A.P. Loizou
Q.: Do you think that with the Spanish property market
in trouble and unit prices there for touristic/holiday
home projects falling, the Cyprus market will also be
affected in terms of British demand? With the situation
Cyprus going through a reduced demand and with this
Spanish state of affairs not helping, will Cyprus real
estate market suffer even more?
Andy & Flo Richmond
A.: The answer is yes, but not to the extent that it
might appear at the beginning. People first choose the
country and then the property. But prices of course are
compared and they have their own role to play. As I have
reported in a last article, property prices in Cyprus
are also falling (save Limassol), so the difference is
not as much as it sounds, but I understand that Spanish
prices are falling faster. So it will have a negative
affect on Cyprus, but not to a great extent on this
count alone. I am more worried about the exchange
difference between the Euro and Sterling since this will
help countries outside the Euro zone, such as Turkey,
Morocco, Egypt etc.
A.P. Loizou
Q.: We are nearing concluding buying a beach home and
the owner of the house explained to us that the land in
front towards the beach, belongs to the Government and
that we are free to use it. In fact he has grassed the
area, planted it with nice plants and built a bar with a
pergola. He told us that should we wish we could erect a
pool in this same area. When we questioned him about any
possible problems with the Government, his reply was
“nobody bothers with this”.
Please what is the truth on this?
Garry Glitter (Mr & Mrs)
A.: I am rushing to send you an email so that you avoid
a possible trap. The land belongs to the Government and
the fact that the Government does not take action (in
most occasions it does after sometime) it does not mean
that you can have it as your own on an exclusive use
basis. The Government beach land should be left open and
as it is, without any “improvement” and it should be
open to the public. Planting etc may seem harmless but
this does not make it yours, others can walk over it,
sunbathe etc. The bar and pergola is another thing
however since it is completely illegal, both because it
has been erected not on your own ground and because,
most likely it falls within the seashore protection
zone. Regarding now the pool – Don’t do it my friends.
It is like having your neighbor building a garage in
your garden!! I am aware that local authorities/ the
Government are very slow to respond on illegalities, but
it takes only one report to them to have your plans
upset (the heartache that it will cause you apart). Buy
the home based on the legal data and do not get carried
away by false assurances.
A.P. Loizou
Q.: The local town planning zone refers to building two
storey height. Yet our neighbor has erected a ground
floor parking area (approximately 7 feet height) plus
two floors above it. Is this a two storey building Mr
Loizou? – I ask you.
David Millis
A.: This is another one of the odd things here. The
covered parking, is not considered as a floor and
provided it is 7 feet or so in height (no more), it does
not count as such. So it appears that your neighbor is
OK.
A.P. Loizou
Q.: We have a beach house and the seashore is rocky. So
we have applied to build a small wooden pier
(approximately 2 feet x 6 feet) in order to reach the
sea in safety. Do we need a permit for this Mr Loizou? –
We have asked around but the answers we got were so
confusing that our friends told us “write to Mr Loizou
you will give you a solid answer”.
L& A Grant
A.: First of all I must thank your friends for their
compliment. If you dare apply to the local authority you
stand either not to get an answer, or I can bet you it
will be negative. If I was you, I would do it (provided
it is built in such a way that it can be easily
removed). Use wood blanks screwed in the rock with
stainless steel screws. If someone reports you, you will
have to remove it. Bear in mind that by producing a safe
access, it will attract others and you might find that
your private beach (if any) will be no more. I am afraid
that what I am suggesting to you is quite illegal, but
not a “crime” for which you cannot remedy immediately.
A.P. Loizou
Q.: We want to build a roof garden on our roof, which
will accommodate a B.Q., kitchenette, pergola, a w.c./sanitary
facilities and a Jacuzzi. Do we need a permit for it Mr
Loizou?
(Please do not publish our name)
A.: You seem to have in mind a rather extensive
extension. I do suggest that your architect gets
information from the local town planning office as
various authorities have a different stand. I will say
the pergola and Jacuzzi will be OK, but the other
structures, which refer to covered structures (kitchen/w.c.
etc) is not so simple. You have to check density
availability, the floor height restrictions, as well as
the local authority’s stand on this type of extensions
(bear also in mind whether your property has a title or
not).
A.P. Loizou
Q.: We are having our house built and we are at odds
with our architect and because of this we need your
urgent advice Mr Loizou. Our home will have a basement
garage/sauna/shower, two floors of the house and a roof
garden. We object to having a lift, but our architect
says it is a must. What do you think, is there a law
that we must have this facility?
Mary & Andrew Winters
A.: There is no law my friends, other than the law of
nature/age. You do appreciate that what you have is a 4
level house and it will depend on your age and stamina.
Having to reach from the basement to the roof garden
with a case full of beers it can be straining. If there
is room in your house, do it and provide a lift. If it
is a matter of money, erect the lift shaft and place the
lift later. In addition to your own personal
convenience, when you decide to sell your house, you
will get a better price. Standards are changing and as
air condition was a luxury a few years ago and it is now
a must, so I will expect in future the lifts will be a
must – Budget for a cost of around £12.000 (with the
lift).
A.P. Loizou
Q.: Is there a place where we can live amongst locals
without being overruned by Brits and other foreign
people? We have just moved from Portugal, but having
moved to Paphos, we thought we have relocated in a new
“little England”. We are English but this is not a place
of us. We wish to live amongst the locals, learn the
culture and make new local friends.
Clark & Cate
A.: Your place to be is Nicosia. I always say that the
capital is the best choice for many reasons and for you,
it is another. As in all locations, which are affected
by tourism, Nicosia with practically no tourists at all,
has abundance of local cultural activities and constant
events. Visit the place a few times or rent a flat for a
year and decide accordingly.
Alternatively choose Limassol (as a second choice), but
within the residential (locals) areas, not in the
tourist areas
A.P. Loizou
www.aloizou.com.cy
www.aloizou.ro
www.aloizou.ru
ala-HQ@aloizou.com.cy
