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Page 1: Destination Turkey Guide

destinationturkey

a complete property buyer’s guide to south west turkey

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Contents

Foreword

Why Turkey

About Turkey

Living in Turkey

Overview of the South West Coast

Dalyan

Sarigerme

Activities

The Turkish Property Market

The Buying Process

Financing Your Property

Renting Your Property

Maintaining Your Property

Testimonials

Useful Websites

Contacts

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going turquoise

relaxing lifestyle beautiful scenery

welcome to thesouth west coast of turkey

secure investment

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destinationturkey www.propertyinturkey.com

Yasemin, Hakan and Katie Cinar Kieron Hunt, Beverley NightingaleSimon Woodcock and Nigel Clarke

Welcome to Destination TurkeyA practical guide to help you gain an understanding of the potential delights of owning a property

on the beautiful Lycian coast of Turkey.

Whether your choice of purchase is driven by the desire for a change of lifestyle or as a practical

investment opportunity there has never been a better time to buy. With its Mediterranean climate,

stunning scenery, friendly people and increasingly affordable accessibility, Turkey has become the

number one aspirational overseas property hotspot with the government investing heavily in the

infrastructure to attract both the holidaymaker and investor alike.

Lycia Properties

have been building on the south west “turquoise” coast for over ten years offering both off-plan

developments and completed villas and apartments along with bespoke land and build projects.

The business was started by Hakan, Katie and Jasmin Cinar and is now one of the most respected

developers in the area offering superior quality properties with a personal touch.

The head office is in Fethiye where there is an open invitation and a warm welcome to all visitors.

overseasproperties4u.com

is the marketing arm of the business based in Burnley, Lancashire where Kieron Hunt,

Beverley Nightingale and their team provide all the necessary assistance to help you

find the property of your choice and provide ongoing support throughout your ownership.

As with Lycia the ethos is a close personal involvement to reassure and hand-hold through

what can sometimes be seen as a challenging journey in pursuit of a dream.

We hope you enjoy reading our guide.

welcome

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Why Turkey ?With its breathtaking scenery, fascinating histori-

cal sites, famous cuisine, and renowned hospital-

ity, it’s little wonder that Turkey has become a top

choice for holiday-makers, and with Istanbul set

to become European Capital of Culture in 2010,

it’s an even more exciting time to visit!

Location and sizeJust four hours’ flight from the UK, Turkey

occupies an area of over 300,000 square miles

–almost three and a half times larger than Britain.

With over 5,000 miles of coastline, Turkey is

situated in the Eastern Mediterranean, straddling

the continents of Europe (the region known as

Thrace) and Asia (Anatolia). The country is sur-

rounded by water on three sides: the Black Sea

to the north, the Mediterranean to the south and

the Aegean to the west.

Turkey is bordered by Greece and Bulgaria to the

west, and to the east and southeast by Georgia,

Armenia, Azerbaijan, Iran, Iraq and Syria; and it is

this strategic position as the most easterly coun-

try in Europe which lends Turkey its unique blend

of cultures and traditions.

CitiesWith a wealth of spellbinding regions, this geo-

graphically diverse land encompasses glorious

beaches, snow-capped mountain ranges, rolling

steppe and fertile plains, interspersed with

engaging towns and villages saturated in historic

interest.

The modern Turkish capital, Ankara, is a planned

city with a western feel, despite its central loca-

tion within the country. The home of the Turkish

government, universities, industry and commerce,

Ankara is a city of high rise apartment blocks and

busy thoroughfares.

Situated on a rocky hill with a population close to

four million, Ankara is Turkey’s second-largest city

after Istanbul, and was strategically developed by

Turkey’s founder, Mustafa Kemal Atatürk, who

declared it the capital

in 1923 after gaining

victory in the War of

Independence.

Although many visitors

stop in Ankara only to

pick up visas and buses,

it retains some interesting Roman and Hittite sites

and makes a reasonable base from which to

explore Anatolia.

But it is Istanbul, the historic capital of the

Ottoman Empire, with its sparkling seas, minaret-

strewn skyline and labyrinthine bazaars which

captures the visitor’s imagination.

why turkey ?From the startling blue seas of the Turquoise coast,

to the dramatic skyline of Istanbul, the magnificent moonscapes

of Cappadocia and the ancient ruins of Ephesus, Turkey is a land

full of surprises, a place of magic and mystery where east meets

west in a powerful mix of tastes, colours and textures.

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‘Turquoise’ – coast is becoming an increasingly

attractive location for buyers and offers some of

the most competitively-priced property in the

Mediterranean region.

Currency Turkish Lira (TL)

Government and PoliticsThe Republic of Turkey is a secular democracy

governed by the rule of law. The head of state is

the President of the Republic (currently Abdullah

Güll), elected for a term of office of five years.

Executive power is applied by the Prime Minister

(currently Recep Tayyip Erdogan, former mayor of

Istanbul and leader of the conservative AKP); leg-

islative power is vested in the Grand National

Assembly of Turkey; and judicial power lies with

the independent courts and supreme judiciary.

While there have been periods of political unrest

and fragmentation, the government upholds

Mustafa Kemal Atatürk’s nationalism.

Since 2007 only parties that win a minimum of

10% of the votes have a right to parliamentary

representation: at present there are seven parties

thus represented in parliament. The country

is also a member of NATO and a candidate for

EU membership.

PopulationEstimated at approximately 72 million as of July

2008.

The population is majority Turk, with minority

groups including Kurds, Laz, Arabs, Albanians,

Assyrians, Bosnians, Circassians, Germans,

Levantines, Poles, and Roma, as well as the

three officially-recognised minorities: Armenians,

Greeks and Jews.

The official language is Turkish, with other

languages spoken by minority groups.

ReligionIslam is the main religion of Turkey, with 99% of

the population being Muslim, mostly Sunni. There

are also smaller groups of Shiites and Alevis

(non-orthodox Muslims). Minority religions include

Christianity and Judaism. While it has been chal-

lenged by some groups in recent years, Turkey

remains a secular state with no official religion.

Many Turkish Muslims attend Friday prayers, and

religious festivals such as Ramazan are

observed.

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Today this sprawling city is Europe’s largest, with

a population of around 12 million and a reputation

as one of the world’s most exhilarating destina-

tions. With its world-renowned heritage sites,

burgeoning business centre and bustling ports,

few would disagree.

EconomyDespite the recent global economic downturn

and the country’s turbulent economic past,

Turkey has continued to grow and is slowly gain-

ing stability and sustainable growth, due largely

to a series of policies implemented between

2002 and 2007, which were based on structural

reforms, and fiscal and monetary policies.

The implementation of such plans saw the GDP

average 7.4% during this period, making Turkey

one of the fastest growing economies at that

time, and with an estimated GDP growth rate of

5% forecast for the next few years, together with

a drop in inflation, the future of Turkey’s economy

is looking strong. Private enterprise is blossoming

and, no longer dependent on agriculture, Turkey

has seen a growth in industry and services, with

other key sectors encompassing banking,

electronics, textiles, oil refining, petrochemical

products, food, mining, iron and steel, machine

industry and automotive.

Foreign investment continues to rise, the recent

introduction of a mortgage system has seen a

growth in construction, and tourism is booming,

with the Turkish government set to invest millions

of dollars in developing the south west as a major

tourist hot spot.

In addition to a cost of living which is a third of

that of the UK, and with an improved infrastruc-

ture and low property taxes, the south-west –

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ClimateTurkey is a place of varied climatic regions, from

the rainy Black Sea coast to the harsh temperatures

of the interior and the seasonal extremes of the

east; but it is in the coastal climate of the Turquoise

coast that most visitors have an interest.

Sarigerme area - South-west coast

For more detailed climate information - www.holiday-weather.com

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climate

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The great Ottoman Empire took hold after

Mehmet the Conqueror's armies took

Constantinople in 1453, establishing the former

Byzantine capital as the newly-named Istanbul.

The vast Empire stretched from central Europe

to North Africa and the Arabian Peninsula, but

despite its wealth and magnitude, it was

eventually defeated during the First World War,

leaving behind a multitude of castles, mosques

and palaces, many of which can still be

visited today.

The modern Republic of Turkey was established

in 1923 after the

acrimonious

War of Independence

(1920-1922)

between invading

Greek forces and

Turkish nationalists, led by Mustafa Kemal.

The country's first president, Kemal, became

known as Atatürk, or 'Father of the Turks'. Atatürk

established a democratic government in the new

capital of Ankara and set about transforming the

country into a western civilisation. Turkey's

forthcoming entry into the EU will be seen by

many as the absolute realisation of Atatürk's

dreams.

ReligionThe majority population of Turkey is Sunni

Muslim, with smaller numbers of Shiites and

non-orthodox Alevis, as well as minorities of

Christians and Jews. Popular Muslim

celebrations are observed and many Turkish

Muslims attend Friday prayers.

Turkey remains a secular state and on the whole,

Turkish Muslims are moderate in their beliefs,

especially in the larger cities and coastal areas,

with eastern and less developed areas being

more conservative. Turkish women generally

wear western-style clothing, although some do

wear headscarves and visitors should be

reminded to dress appropriately when visiting

mosques, i.e. no bare shoulders or shorts,

and headscarves for women.

about turkey

at the crossroadsbetween Europe, Asiaand the Middle East

HistoryTurkey's strategic position at the crossroads between Europe, Asia and the Middle East has led to

an animated history, since the time of its earliest settlements in 7500BC at Çatal Höyük near Konya.

Many civilisations have ruled this ancient land of Anatolia, from the Hittites and Ancient Greeks,

to the Persians, Romans and Byzantines, each leaving in their wake

a distinctive archaeology

and tradition.

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Turkish desserts are a sweet and sticky affair,

with favourites including baklava (puff pastry with

nuts and syrup), custard-based desserts and rice

puddings. Popular drinks include black tea, apple

tea (particularly useful for luring tourists into

carpet shops), and Turkish coffee. Alcoholic

tipples include locally-brewed beer, the national

raki (an anisette accompanied with water),

and Turkish wine.

ShoppingLocal markets take place in nearly every town in

Turkey each week and are great places to buy

leather goods, jewellery, and carpets and kilims

(rugs). Other good buys include pottery, copper

vessels, and inlaid wood - such as the ubiquitous

backgammon board. Less expensive items

include Turkish delight (lokum), apple tea powder,

and other souvenirs. Larger resorts have bazaars

(basar) and while they may not rival their medieval

counterparts in Istanbul and Izmir, they are great

places to while away a few hours in the traditional

shopping areas. Many shops in busy resorts are

aimed towards the tourist and touts can become

tiresome. However, well-meant offers of tea while

considering a purchase come with no obligation

to buy and are merely an extension of Turkish

hospitality.

destinationturkey

TravelGetting around in Turkey is easy, with the very

efficient and popular Dolmus bus service which

seems to go anywhere at any time. There is

fierce competition between rival bus companies

which is reflected in the fares.

Dolmuses - minibuses which follow etsablished

routes - are useful for travelling between small

towns and villages and can be hailed at the

roadside. Just shout when you want to get out!

Midi-buses are a larger version of dolmuses and

usually operate on longer routes which do not

quite require a full-sized bus. Trains are a less

popular option in Turkey as they do not always

follow the quickest routes and carriages are often

poorly maintained. Although several newer, more

direct routes have been built for intercity links,

the trains in Turkey are generally slower and less

pleasant than travelling by bus. Car hire is readily

available from airports and town centres and

there are plentiful petrol stations, although driving

in Turkey is not for the faint-hearted.

Taxis with meters are now common in Turkey,

but visitors should still beware rogue drivers who

charge extortionate fares and refuse to use them.

There are also reliable water-taxi services in the

coastal resorts of Çalis and Dalyan.

Food and DrinkTurkey boasts a tradition of excellent food made

from locally-produced, fresh ingredients and very

little is imported. Breakfast usually consist of

bread, honey, sheep's cheese and olives with tea

to wash it down with. Some hotels serve a

cooked breakfast and you will easily find English

cooked breakfasts in the more popular resorts.

Lunch is usually light and the main meal of the

day is taken in the evening. Starters generally

include meze, a variety of hot or cold traditional

dishes which include puréed aubergine, stuffed

vine leaves, and cheese pastries. Main courses

usually include lamb or beef, although roast

chicken is also popular. Fresh fish is often on the

menu, while vegetarian food can still be difficult

to track down. You will also find Turkish pizza,

kebabs and a wide choice of international cuisine

in the tourist areas.

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Cost of livingLiving in Turkey is considerably cheaper than the UK and other Mediterranean areas

and this means that your UK pension or savings will go a long way on eating, drinking

and other consumables -though you should expect to pay more for imported goods.

Petrol is comparatively expensive in Turkey, but the efficient public transport system makes

an excellent alternative to driving; and while discount call cards are available for international

calls, telephone bills and internet access can be higher than at home. Salaries are much lower

than in the UK.

There can be significant differences in the cost of living in the different regions, with coastal resorts

being more expensive than rural areas, and Istanbul being the most expensive place to live

in the country as a whole.

TaxesIncome tax is banded and can be as high as 45 per cent of your earnings, but you may be able

to make some deductions for rent, insurance, health, and some clothing, food and education.

The self-employed must submit a tax return and make advance payments each quarter. Tax is

calculated according to the previous year's earnings and amounts to approximately 20 per cent

of your net profit.

Income tax must be paid on any increase in value when you sell a property which is not your first

home. Properties purchased before 1st January 2007 are exempt from capital gains tax after four

years of ownership, and five years if the property was purchased after that date.

Other taxes include property transaction tax at 1.5 per cent of the property value, an annual

property tax paid in bi-annual instalments (approximately 0.1 per cent for residential buildings),

and environmental tax (about £100 annually, based on the quantity of water used).

Pensions and benefitsUK state pensions are not affected by moving abroad, though the money will need to be transferred

into a Turkish bank account. Avoid large bank charges by transferring larger amounts less often. If you

haven't retired yet, it is worth continuing to make National Insurance contributions in order to be eligible

for a full state pension.

http://www.shelteroffshore.com/index.php/living/cat/C101/

living in turkeyVisa requirements

British passport holders require a tourist visa for holidays and stays in Turkey of up to three months

and must have six months' validity on their passport at the time of entering the country. Sticker-type

visas are available at the port of entry in Turkey for £10.00 or in advance from the Turkish Consulate

in General (London) for a fee of £66.00.

Tourist visas do not give visitors the right to take up employment (paid or unpaid) or to reside, study

or set up in business in Turkey, and those wishing to do so must apply for a residence visa.

This can be obtained in Turkey by applying to the nearest police headquarters after the 90-day

visa expires, or can be acquired from the Consulate General.

http://www.turkishconsulate.org.uk/en/visa.htm

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BanksThere is plenty of choice on the high street in Turkey but red tape can be tiresome and it is probably

in your best interests to get recommendations from other expats. There is a wide range of current,

savings and deposit accounts available at Turkish banks and there is no real reason to choose an

international bank over a Turkish one.

Credit cards, debit cards and Internet banking are available and the chip and pin system has been

introduced. Opening a foreign currency account will protect your money against possible devaluation

of the Turkish Lira (TL). Most expats choose to keep both a sterling and a lira account; interest can

be as high as 15 per cent on the latter.

Cash machines are at hand in all towns and resorts where you can deposit, pay bills and transfer

money, although using foreign credit and Maestro cards will incur a charge. Utility bills can also be

paid by standing order and online. There are often English-speaking staff at branches in resorts.

PetsCurrent regulations mean that you can only take one cat, one dog, one bird or ten aquarium fish

to Turkey and you will need legal advice if you wish to bring more animals. Dogs and cats must be

vaccinated against rabies (which is rare in Turkey), and dogs must also have vaccinations for parva,

distemper, hepatitis and leptospiroz. These should be done between six months and 15 days before

travel.

You need to obtain an essential official certificate, for which you need a record of your pet's

health and a vet's health certificate issued no further in advance than ten days before travelling.

All papers must be stamped by the UK agriculture department before you depart and must be

given to the official vet on duty once you arrive in Turkey.

http://www.masainternational.com/turkey/pets

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UtilitiesWater and electricity will normally be connected in new builds, but older properties may need

new connections which can be expensive. You will need to prove that all taxes and fees have

been paid and that the property meets building regulations before utilities will be connected.

Tap water is not generally suitable for drinking in Turkey and you can get refillables from local

suppliers. The mains water supply is metered and bills can be paid on a monthly or quarterly basis.

Electricity is supplied by AYDEM, a state-run company, and operates on 220 volts. UK appliances

can be used with an adapter. Electricity supplies can fluctuate due to increasing demand and power

cuts can occur.

Gas is supplied by the canister and is ordered and delivered by local suppliers.

Mains supply is only available in larger cities.

EducationChildren in Turkey start school at the age of six or seven and attend eight years of compulsory

education, followed by three years of further education before university. Children of foreign nationals

are allowed to attend state schools, although facilities are better at private and international schools,

which are found only in larger cities.

HealthStandards and availability vary enormously between regions in Turkey but most large towns and cities

offer both state and affordable private healthcare facilities. In cities and larger resorts you will find

English-speaking clinics.

If you are a permanent resident in Turkey, it is a good idea to take out expatriate

medical insurance, as foreign nationals have to pay for emergency treatment even

in state run hospitals.

These hospitals often suffer from a lack of funding, and facilities and care can be basic. Private clinics

and hospitals, on the other hand, offer very high standards of nursing throughout the country. Before

you take out medical insurance, it's always a good idea to find out what will be covered and make sure

that you won't end up paying huge excesses if you need to see a doctor or dentist.

Residents should also be aware that the ambulance service in Turkey is not well-developed

and it is often quicker to get to hospital by taxi rather than wait for an ambulance to turn up.

http://www.shelteroffshore.com/index.php/living/more/healthcare_in_turkey/

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There are no prizes for guessing what lends

the Turquoise coast its name. The south-western

region of Turkey is where the Aegean and the

Mediterranean seas collide in a profusion of

colours, sights and sounds. The stunning

waters and pristine beaches are just some of

the reasons why many visitors flock to the resorts

and return time and time again to this sun-soaked

corner.

Many enjoy the unique Turkish culture and

spectacular scenery and sites so much that

they choose to invest in property in the area,

from as far west as Bodrum to Side and

beyond, and there is a wealth of fascinating

locations from which to choose when

purchasing a second home in the sun.

Surrounded by the wooded Toros mountain

ranges, rugged rocky outcrops and beautiful

white sands, this scenic and historical

area - which some pronounce the cradle of

European civilization - is packed with fascinating

natural, archaeological and cultural gems, and

despite the bustling business of the large resorts,

there is still scope for those who seek a secluded

and peaceful idyll away from the crowds.

The larger resorts of the south Aegean are within

easy reach of the Greek islands of Kos and

Rhodes and there are many interesting boat trips

setting out from the tourist towns of Bodrum and

Marmaris. Further along, visitors can explore the

ancient ruins of Knidos and Kaunos, and at

Dalyan look out for the sandy beach and Dalyan

Creek, breeding ground of the rare loggerhead

turtle. Sarigerme near Dalaman is all set to be

a world-class golf getaway, with the Hilton Golf

Resort completion in 2010.

At Fethiye climb up to the ancient Lycian rock

tombs, a legacy of the great Lycian kingdom,

before exploring the stunning national park

surrounding Ölüdeniz with its glorious beaches,

sparkling blue lagoon and fabulous walking

opportunities in the pine-clad mountains which

frame the bay.

Overviewof thesouth westcoast of turkey

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Overview of the south west coast of turkeyFurther east, visitors hoping for a more relaxing location venture to the pretty old fishing village

of Kas, while those seeking an all-inclusive package deal head straight for Kemer's big hotels.

This area offers a bountiful supply of day trips, too, from Patara's wonderful eleven-mile beach,

to the magical chimaera - a natural flame which dances from the rock - at Olympos,

and the crumbling cities of Xanthos, Myra and Phaselis.

Inland and within easy reach of the Turquoise coast are yet more fabulous sites:

wander the remains of the Roman city of Hierapolis and bathe in the city's thermal waters, or spend

an hour basking at the calcified waterfalls of Pamukkale, near the city of Denizli. Meander through the

old carpet-making town of Milas or take in the sights of Mugla, the first town in Turkey to appoint

a female governor.

The south-west area is well-served by international airports at Dalaman (the most accessible for the

region), Antalya, Milas and Izmir, and there are now roads which serve most of the towns and villages

along the coast, a far cry from the 1970s when many coastal towns and villages were accessible only

by boat.

Whether you hope to follow sun-drenched days on the beach with wild nights in the bar, wish to

immerse yourself in a cultural retreat, or are simply looking for some peaceful rest and relaxation,

the Turquoise coast has plenty to satisfy every type of visitor.

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DalyanIt is due to the turtle's presence in the area -

one of the last few remaining breeding sites in

the Mediterranean - that Dalyan has managed to

preserve some of its small town appeal.

Special conservation rules, strictly enforced

in order to protect the turtles, mean that major

development in the resort has been kept at bay,

and this once-sleepy farming town has managed

to retain some of its former tranquillity.

Dalyan is just a thirty-minute drive from the

international airport at Dalaman and is close to

the main coastal road, with Marmaris to the west

and the ancient Lycian sites to the east.

This low-key resort is overlooked by the imposing

rock tombs of the Lycian kingdom cut high into

the mountainside above the town. Whilst there is

a good selection of shops, restaurants and bars,

Dalyan is more laid-back than its noisier

counterparts and is the perfect place to while

away a relaxed summer evening. Health facilities

are available in the town and the nearest hospital

is just twelve kilometres away in Ortaca.

Local planning regulations dictate that only

smaller low-rise complexes and villas are given

planning permission, and there are therefore

fewer apartments available than in neighbouring

towns, a factor which keeps prices in the area at

a premium. For those seeking a more traditional

home, a new build in the same style makes a

much more viable purchase than the old stone

houses of the area which are not earthquake-

proof.

dalyanThe pretty riverside resort of Dalyan is situated

on the delta which leads from Lake Köycegiz to the sea,

via a ten kilometre-long channel lined with reed beds which

are a haven for wildlife and birds.

At one end, the stunning Iztuzu beach, a five kilometre-long sand bar

which separates the sea from the mouth of the Dalyan Creek,

is the breeding ground of the rare loggerhead turtle which

nests on the beach between May and October.

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DalyanDuring the summer months, the river is in

constant motion, with excursion boats ferrying

visitors backwards and forwards to Lake

Köycegiz, the ruins of Kaunos, the mud baths

and hot springs of Sultaniye and the Iztuzu beach

which boasts excellent swimming in addition

to the chance of glimpsing the famous turtles.

The ancient city of Kaunos, still only

partially-excavated, used to be by the sea,

but its old harbour has long since silted up,

and the site is now accessible from the reeded

channels which pass through Dalyan.

Founded around the 9th century BC, the ruins

include a well-preserved 5,000-seat theatre,

baths, an acropolis, defensive walls and a

basilica, in addition to the rock-cut tombs.

You may also spot the strange-looking wooden

fishing weirs in the river here - mullet is still fished

in the waters.

The Sultaniye open-air mud baths and hot

springs are also a major attraction, where the

mud reaches temperatures of 40°C and is rich

in therapeutic minerals, claimed to be excellent

for skin conditions and rheumatism. Once you've

wallowed for a while, take a dip in the sulphur

pools to cleanse your body.

Nearby centres include the once-sleepy

agricultural town of Dalaman, which now has

excellent bus connections due to its proximity

to the airport, and Göcek, a small fishing port

almost entirely enclosed by spectacular

mountains, which has an enviable yachting

marina and is fast becoming a popular,

small-scale upmarket holiday resort.

izutzu beach dalyan

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SarigermeSarigerme is the name given to the stretch of

beach close to the small town of Osmaniye in

the Dalaman area, which has almost become

synonymous with the town itself.

With a tradition of agriculture, the region

produces cotton, citrus fruits, and vegetables .

The town of Dalaman is becoming increasingly

targeted by the tourist market since the

introduction and subsequent expansion of the

international airport just out of town.

In the town itself visitors are still able to catch

a glimpse of real Turkish life, while enjoying the

shops and restaurants which have appeared

along with the tourists, and the surrounding

countryside is still green and untouched.

Sarigerme is a true haven for the holiday-maker,

with its pine-fringed sandy beach and seven

kilometres of shallow waters, and the recent

investment in this stretch of coast means that

great care is taken to maintain the beach and

services, which include sun beds, umbrellas,

cabins, toilets, and food and drink outlets - for

a small entrance charge.

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sarigermeThe coastal resort of Sarigerme is located only fifteen minutes from

Dalaman international airport, the area is renowned for its spectacular

scenery and views across the Mediterranean.

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sarigermeat your leisure

The completion of the new five-star Hilton Golf

Resort and Spa, which opened, summer 2009,

has brought with it significant interest from

investors and buyers alike, and the Turkish

government also plans to develop the marina,

hotels and the residential area nearby.

Furthermore, the first of a number of additional

courses planned for the region is due to open

in 2010, thanks to the increased government

spending. Such plans have inevitably resulted

in a hike in land and property prices in the

Sarigerme area.

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luxuryHilton Golf Resort and Spa

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Nearby is white water rafting on the Dalaman river, and the pretty island of Babaada just off the coast

is a refuge for yachters and boaters who moor there on their way between Göcek and Marmaris, while

the rockier far side of the island is also good for diving. Braver souls swim from the coast to the island

itself and are rewarded with magnificent views of the scenery beyond the beach and town of

Osmaniye, a modern town which has yet to bloom under tourism, despite its location just 850 metres

from the beach.

Sarigerme is also close to the site of the ancient city of Physilis. Now buried beneath the sand, the city

is unlikely ever to be excavated because of development plans, although it is still possible to see parts

of the ruins on the banks of the Sarisu stream, including its late Byzantine-era walls and the remaining

two columns of a church.

Other sites in the area include Karatepe-Aslantas, a 4,000 year-old site with ruins dating back to the

13th century, and the once summer retreat for the neo-Hittite kings. Now there is an open-air museum

where visitors can view the crumbling walls and look out over the artificial Lake Ceyhan, created for

hydro-electric power and leisure pursuits.

And if that's not enough culture for one day, you can also drop

by the age-old sites of Hierapolis-Castabala, Issos, and Payas -

where you can view an Ottoman caravanserai with its complex

of baths, courtyards, a mosque and an ancient bazaar.

Buying a property in Sarigerme means just a fifteen minute

hop to the airport, easy

access to golf and the

beach, and prices which

reflect its accessibility

and natural beauty.

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The area is also becoming known for its world-class golfing and the new Hilton Dalaman Golf Resort

and Spa which opened in summer 2009 in Sarigerme boasts an 18-hole championship golf course,

a nine-hole golf academy facility, a health club and spa, and a range of other leisure facilities.

There are also a number of excellent golf courses in and around Antalya and Bodrum.

Days outThere are a multitude of day trips from all the bigger resorts in the south west of Turkey, and aside

from the wealth of ruined Roman cities in the area (see the Dalyan and Sarigerme sections) there

are also some fabulous trips worth making further afield.

One of the most popular excursions includes a visit to Pamukkale, the 'Cotton Castle' in the Denizli

Province. This captivating natural site composed of white calcium formations cascades down the side

of a ridge in a series of travertine pools, shelves and stalactites.

The pools were formed by warm mineral water washing down the cliff, leaving deposits of calcium

behind. The Romans built a spa city, Hierapolis, on the site, where you can still visit remains which

include a stunning 12,000 seat theatre.

A drivable distance away from Pamukkale is the renowned classical city of Ephesus (Efes) a well-pre-

served ancient trading city near the modern-day city of Izmir. A walking tour of the city will lead you

down the central promenade to the library of Celsus and the great theatre, as well as many other

treasures. Excavations and restoration work continue to take place.

Less dramatic gems of the region include the weekly markets in most towns, where you can pick

up great bargains; but most visitors love to simply kick back and enjoy great food and drink while

watching the sun go down over the blue Mediterranean Sea.

http://www.turkuaz-guide.net/adventure.html

www.lycianturkey.com/things-to-do-places-to-visit-activities-lycia.htm

activitiesThe south west region of Turkey offers something for every visitor in terms of

rest, relaxation and, for the more adventurous, a host of more energetic outdoor

activities. From trekking and horse-riding in the Toros mountains, to canyoning

in the Saklikent Gorge, there's plenty for those who prefer to enjoy the weather

away from the beach. Spend a day canoeing on the Xanthos river, or explore

the under-water ruins in the Kekova-Simena region by sea kayak.

Go mountain-biking, or take a jeep safari through

the fascinating region of Lycia.

ActivitiesScuba diving is on offer at many of the major resorts, and the warm, calm waters, combined

with good visibility make this part of the Med a great place to establish or hone your diving skills.

Paragliding is also popular in the region, with centres at Kas and Ölüdeniz, where you'll be rewarded

with stunning views of the blue lagoon and beyond.

If you fancy something a little more laid-back, why

not visit a Hamam and take an invigorating Turkish

bath, or enjoy a boat trip along this ancient

stretch of coastline.

The Turquoise Coast is a yachting haven, with every type

of outing from chartered gület cruises to sailing tours, and boat trips

to the Greek islands. Many resorts along the coast have fine marinas.

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The increase in demand for Turkish property is

due to several determining factors, not least of

which include government spending in the south

west coastal region, the devaluation of the pound

against the euro, and an increasing number of

year-round budget flights to the area. Improved

infrastructure and building regulations, as well as

capital growth, a reduction in inflation, and the

straight-forward buying process have also made

major contributions to the area's popularity.

New facilities and amenities are being built,new

mortgage products are available from European

and Turkish banks, and new leisure projects such

as marinas and golf courses are also on the

increase. There are efficient hospitals with

English-speaking staff, new restaurants and bars,

a low cost of living, and low crime rates. Strict

planning controls place limitations on

building height, as well as making

improvements in building quality and

ensuring that all new properties are

built to withstand earthquakes.

The Turkish government is seeking to

bring its laws and policies into line with

the rest of Europe, in preparation for the

country's long-desired entry into the EU.

Inflation dropped from previously high

rates to a mere 7.7% by the end of

2007, and the downward trend looks

set to continue into 2009. And with a 6% year

on year increase in the economy since 2002,

the Turkish property market is in a strong

position.

Combine all this with Turkey's stunning scenery,

300 days of sunshine, relaxed lifestyle,

fascinating cultural diversity, and the fact that

the Turquoise coast is just a three and a half

hour flight from the UK, and it's easy to see

why Turkey has become the hottest destination

in Europe. Add into the pot economic, religious

and political stability and it's no surprise that

2008 saw visitor numbers reach 26 million

(up 17% on the previous 12 months), making

Turkey the number one holiday destination for

the British in 2008.the turkish property marketSince 2003 when Turkey first opened its doors to foreign property buyers,

the Turkish property market has snowballed, with foreign buyers investing

an estimated $10 million in the real estate market.Numbers of British-owned

properties have increased from 3,000 in 2003 to an estimated 20,000 or more

in 2008.

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RestrictionsAlthough there are some restrictions on where

foreign investors are allowed to buy, these do not

affect the average buyer and have largely been

put in place to avoid building on agricultural land.

Foreign investors therefore cannot buy outside

officially-planned building zones (i.e. in rural

areas or villages), or in military areas or areas

of historical conservation.

The buy-to-let marketProperty rental has been restricted in recent

years due to a lack of year-round flights and

the popularity of the holiday package industry.

However, with flights on the increase and an

improved infrastructure, now is a great time to

invest in a buy-to-let property on the Turquoise

coast, and the Mediterranean region looks set

to yield healthy returns for investors over the next

few years. Investing in a more expensive property

by the sea means greater rental opportunities,

with a detached villa with a private pool

commanding up to £900 per week, and a

two-bed apartment bringing in £300 per week

during the summer season. For those on a

budget, inland areas with regular shuttle buses

to the beach make a good alternative. The best

areas to invest in for long-term gain are beyond

Alanya, and those seeking short-term returns

should concentrate their search in the more

established resorts of Fethiye and Dalaman.

For re-sale, look for property with a high quality

build in a good location.

Government investmentThe Turkish government plans to increase visitor numbers to 30 million by 2010 and is investing heavily

in developing the south west coast as a major tourist hotspot, thereby ensuring continued growth in the

tourist and property markets. The Turkish Tourism Ministry, together with the private sector, are set to

invest $320m in strengthening Turkish tourism and expanding into new markets through international

promotion, and effective advertising campaigns which have already been implemented. The Turkish

Tourist Board is also hoping to expand the tourist season in Turkey to 12 months a year with the

introduction of year-round flights.

Credit crunch nerves ?

As the euro has gained strength, holiday-makers and second home buyers

have been looking away from the euro-zone towards destinations where their

pound will go further, and with its proximity to the UK combined with relaxed

ownership laws for foreigners, Turkey has become the obvious choice for

investment.

Property in Turkey is great value for money in comparison with the established

markets in Spain, France and Cyprus. Now's a good time to get on the ladder

if you're a first-time buyer and can't afford to buy at home, and it is also a

good time to be thinking about your long-term lifestyle plans.

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Dalyan

A smaller, quieter resort in a beautiful rural

area with a good choice of villas

and apartments.

Dalaman

Plans for a major new golf course and

marina, in addition to year-round flights

to the region's international airport mean

that investor interest is rising.

Prices in Dalaman remain competitively

low.

Sarigerme

Presently a quaint and authentic

Turkish village with 6km of white sandy

beach, Sarigerme is a major location for

investment from the Turkish government.

Sparking off the investment is the new

Hilton Golf Resort and Spa completed

in spring 2009 with the golf course

opening late 2010.

Göcek

Göcek is considered Turkey's top

yachting centre and is an exclusive resort

where property prices are higher due to

a lack of suitable building land and strict

development controls.

Fethiye

The Fethiye area boasts a good

selection of reasonably-priced

properties from town-centre

apartments to secluded villas.

The main areas

of investment in Turkey

are along the Aegean and

Mediterranean coasts in the south west

which boast some of the most

beautiful beaches and scenery in the country.

The most popular areas for British buyers are Kusadasi,

Altinkum,and the Bodrum peninsula to the west; the

emerging markets of Dalaman and the areas

surrounding Fethiye, including Çalis,

Oludeniz, Hisarönü, Ovacik, and

Kalkan to the south; and further east,

Alanya and Belek. Peaceful areas for

those wishing to avoid the hoards

can still be found away from the

busy centres.

Most properties along the Turquoise

coast are bought as holiday homes,

with an emerging rental market and

some permanent relocation due to

the low cost of living and great

quality of life.

emerginghotspots

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The buying processWhile the buying process is relatively straight

forward in Turkey and certainly less expensive

than in France or Spain, buyers should still

proceed with caution and ensure that every step

is carried out with a reputable agent or developer.

When you have chosen your property, you will

need to secure it by paying a deposit of £2,000

before it is taken off the market. You may then

choose to instruct a local solicitor who

is experienced in dealing with foreign buyers.

The solicitor will then request a copy of the title

deeds and carry out all the necessary searches

at the registry office, which will include confirming

the vendor's right to sell the property, as well as

checking that planning regulations have been

carried out and that the property is not in a

restricted zone.

Once these searches have been completed,

a preliminary contract will be drawn up and you

will need to pay a deposit to secure the property

while military checks are carried out. The contract

should be drafted according to Turkish law and

should be simple and fair to both parties. At this

point you should also open up a local bank

account and register with the local tax office

to obtain your tax number.

Military checks will normally take between six and

eight weeks, and will include your eligibility to

purchase, as well as making sure that the proper-

ty is not in a restricted zone. This includes areas

of historical or archaeological importance as well

as military areas. This can often be the lengthiest

part of the whole process.

After you have been cleared through the military

checks, completion can go ahead. This involves

the signing of a final contract by both parties,

transfer of funds (costs - which add up to around

six per cent of the purchase price - include all

legal fees, transfer tax, registration fees, Notary

Public fees, estate agent commission if applica-

ble, and compulsory earthquake insurance), and

the issue and registration of a new title deed in

the buyer's name.

You may grant power of attorney to a solicitor or

other trusted party but this should be drafted by

a Turkish solicitor and notarised in your presence

at the Notary Public.

the buyingprocess

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Financing Your Property

Since the changes in legislation in July 2003

which lifted restrictions on foreigners purchasing

property in Turkey, there has been an inevitable

property boom in the beautiful south-western

region of the country, with Britons at the front of

the queue to receive their slice of sun-drenched

Turkish life.

The first thing buyers need to decide when

financing their Turkish property is whether to

re-mortgage on an existing UK property, and

use the loan to buy in cash (generally the

cheaper option); or to borrow against their

Turkish property.

New mortgage facilities have been in place since

January 2008 and mean that foreign buyers of

residential property in Turkey can now apply for

euro and sterling mortgages with several

European and Turkish banks. Buyers can borrow

up to 70 per cent of the valuation or purchase

price of the property - whichever is lower - in

Istanbul and the Turkish Riviera (other areas of

Turkey are currently dealt with on an individual

basis), with minimum and maximum loans ranging

between Û40,000 and Û200,000. Mortgages are

not currently available for off-plan properties but

changes are afoot and it's looking hopeful that

this product will become available in the near

future.

The maximum term for a loan is 20 years and

loans are available for those up to the age of 75.

Interest rates are fixed over a one- to five-year

period after which time they will be reviewed.

While euro interest rates have generally been

lower, buyers should be aware of disadvanta-

geous euro/pound exchange rates unless they

have a euro income. Properties are usually free-

hold and foreigners can own up to 2.5 hectares

of land, which can be extended to 20 hectares

on application to the Council of Ministers.

While you can arrange a mortgage directly with

a European or Turkish bank, it is in the buyer's

best interest to get in touch with an overseas

mortgage broker: not only will a broker be more

experienced in dealing with foreign applicants,

they will also have a broader knowledge of the

full range of products available. Bear in mind that

there will be an application charge in addition to

a fee of between 0.5 and 1.5 per cent of the loan

amount.

Do remember that the application process may

differ from the UK and it may be necessary to

grant power of attorney to a trusted party who

can sort out insurance and other legalities on

your behalf. Above all, don't make an agreement

to purchase a property or pay non-refundable

fees until you are sure that you have the funds

in place, as you may be liable to pay penalty

charges for delaying completion.

Due to the great value for money mortgages

now on the market, the new property regulations,

improving economy, and increase in tourism and

foreign investment, Turkey looks set to continue

attracting foreign property buyers, and with an

increase in construction, there are also likely to

be many more buy-to-let opportunities. If you are

planning to rent your property in Turkey, see the

'Renting your property' section of this guide.

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Before you begin marketing your property,

make sure that you are allowed to rent it out on

a temporary basis and are aware of taxation laws

which state that you must declare all income from

your rental property. You will also need to take

out holiday rental liability insurance.

One of the best places to advertise your property

in the current market is online and most holidays

in private homes are booked directly with owners

via the Internet. If you want to do this successful-

ly, you will need to carry out some careful investi-

gation before deciding where to place your ad.

A good starting point is to do a search online

with terms which relate to your property, for

example “apartment in Dalyan”. See which

websites come up first and take a look at them

in terms of navigability and choice, as those

searching for holiday rentals on the Internet are

likely to appreciate sites that are quick to use

and offer a wide selection.

If you are choosing to market your property

privately, you will need to write some good copy

for your website or promotional material, and

include rates, photos and as much information

as possible with regards to the accommodation,

facilities and location, to ensure that your

property is made as attractive as possible

to potential holiday-makers. It is also a good

idea to include testimonials from happy previous

guests.

Make sure your prices are competitive by looking

around online and getting to know your market,

and get a booking contract drawn up outlining

your terms and conditions - your customers

should be fully-informed of your payment,

cancellation and refund policies.

Provide a friendly and professional service when

contacted by customers - always reply promptly

to emails or calls and make sure your website

is up-to-date in terms of available calendar dates

and current rental prices. Make sure you provide

clear directions to your property if you can't be

on the spot to meet your guests in person.

Finally, remember that travel companies, estate

agents, and independent companies will market,

manage and maintain your property for you for

a fee. If you are not living in the area and taking

care of the property yourself, it is worth finding

a local company who will take care of meeting

and greeting, cleaning, laundry, welcome packs

and maintenance.

Sarigerme - all year round rental

with the Hilton Hotel Golf and Spa

renting your propertyWith increased government spending on tourism, continual improvements

in infrastructure and facilities, foreign investment and the emergence of cheap,

year-round flights, the south west area of Turkey is becoming an increasingly

viable location for rental opportunities.

In larger cities such as Istanbul, Izmir and

Antalya, there is potential for high yields from

year-round rental of property, as there is

increasing demand for decent accommodation

among the burgeoning city populations.

The holiday rental market, on the other hand,

is some way behind the urban buy-to-let

market, and the recent boom in construction

means that the wealth of available holiday lets

has led to supply outstripping demand in some

resorts. This makes it particularly important to

choose your property carefully, and do your

research in terms of potential customers:

apartments will rent well in resorts which attract

families, whereas a villa with a pool will give you

better returns in more exclusive destinations

In either case, you can expect to rent your

property out for around six months during

the summer period between May and the

beginning of October, which may often be

sufficient to cover the maintenance of your

property. You may also be able to offer

deals during off-peak seasons.

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We have extensive contacts in all the resorts in which we operate and have built up

an infrastructure that will deliver the services you need.

Our property management service takes care of everything when you are not there.

It encompasses:

1. Key HoldingWe will act as the official key-holder for your property and carry out regular checks.

We inspect the property both internally and externally and check that all appliances

are in full working order.

2. Ground MaintenanceWhere appropriate, gardens, terraces, swimming pools and Jacuzzis

are checked and cleared of debris, dust and leaves.

3. TransportWe will arrange for you, your guests and people renting your home to be collected

and dropped off at the airport. Alternatively, we can arrange for car hire for all or for

just a part of your stay.

4. Property MaintenanceWe will check for any obvious signs of damage and any minor problems, such as blown bulbs,

will be rectified immediately. In the unlikely event of there being a major problem, you will be

notified immediately to give your approval for us to carry out vital repairs.

5. Property PreparationWe offer a full check-in and check-out service both before your visit and prior to a letting.

This includes cleaning and laundry services.

6. Welcome PacksWe are happy to provide arrival packs which range from basic groceries to champagne

and flowers. Just tell us what you want and we will provide it.

7. Special RequirementsWe will be pleased to consider any additional requirements

you may need such as restaurant reservations and golf bookings.

maintainingyour propertyThere are several different levels of service that you might require, from simply organising the

collection and return of keys to a bespoke property management service that could include pool

cleaning and laundry. You simply choose the services you want from our extensive menu and they

will deliver them in the professional manner you would expect.

When you have invested your money in a holiday home, it makes sense to maximise the returns.

Renting your property when it is not being used by, your family or your friends will give you a useful

income stream that will contribute towards the running costs.

We can advise you on the rental levels you can expect at different

times of the year and seek to get you the best possible return.

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Testimonials

Dalyan - Zircon Apartments“I bought an off plan apartment from Lycia

Properties and although I was very apprehensive

at first - as I was using all my savings and all

I could see was a plot of land and plans -

I need not have been concerned as I was kept

up to date on the progress of the build and all

the legal paperwork was taken care of and

explained in full.

“The build was finished on time and was

better than I could have hoped for. Since then

every query or question I have had has been

quickly answered and I have an apartment

I love and great friends in the Lycia

and Overseasproperties4u team.”

Karen Price

Sarigerme - Plot of land“We have been investors in property in both

the UK and Spain for several years and although

we have visited Turkey regularly, it is only recently

we have seen the potential of purchasing land

and property there.

“We purchased through Lycia Properties

and were delighted with the result. The buying

process was straight forward and we were

assisted every step of the way. We found them

extremely professional but of a size to give us a

personal service. We also received an excellent

after sales service on returning home.”

Dreena and Fred Wharton

Uzumlu - 'Design and Build Project'“When we decided to look for a home in Turkey

we trawled different estate agents and booked

our week in Turkey to view.

We also arranged to see Kate & Hakan Cinar,

Lycia Properties for 2 of the days. They showed

us quite a few plots including the one we bought

in Uzumlu. We then sat down with their Architect

and helped design our dream home. Within 2

days we had agreed design, price, contract and

chosen the fittings and we had an agreed com-

pletion date all in English.

They finished as agreed on February 12th 2007

and we moved in on May 1st the same year.

All the snagging jobs were finished speedily and

we were very impressed with their customer after

care service.

We took the jump to leave the UK and do not

hesitate to recommend this company to anyone

else looking to purchase land or houses in this

beautiful area of Turkey as you can have the

confidence in a long established, professional

and friendly English speaking company to trust.”

Fiona & Eric Robson

Ovacik - The Dell Apartments"We bought from Lycia off plan and throughout

the whole process were kept up to date at every

stage of the build. The final outcome was more

than was expected and to date every bit of help

that we have needed has been forthcoming from

not only Kate and Hakan but from all their staff.

I would be more than satisfied to recommend

this company to any one considering buying from

them. In the climate of today's buying abroad this

company does what they say and possibly even

more as they know that we put our trust and

money into their hands and they deliver at the

end. More than first class, as good if not better

than the best that Fethiye has to offer."

Ron and Pat White

testimonials

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Travel / Airlines

Thomas Cookwww.flythomascook.com

Thomson Airlineswww.thomsonfly.com

Aegean Flightswww.aegeanflights.com

Cyprus Turkish Airlineswww.kthy.net/kthyen/

Jet 2www.jet2.com

Easyjetwww.easyjet.co.uk

Pegasuswww.flypgs.com

Avrowww.avro.co.uk

Flight comparison websites

Sky Scannerwww.skyscanner.net

Travel Supermarketwww.travelsupermarket.com

Car Rental

AvisTel: 0090 252 792 51 18www.avis.com.tr

BudgetTel: 0090 252 792 51 50www.budget.com.tr

EuropcarTel: 0090 252 792 54 14www.europcar.com.tr

Official

British Embassy in TurkeyTel: 0090 312 455 3344ukinturkey.fco.gov.uk/en/

Ministry of Foreign Affairswww.mfa.gov.tr/

Turkish Consulate in Londonwww.turkishconsulate.org.uk

Turkish Tourist Officewww.gototurkey.co.uk

Banks

Yapi Kredi Bankwww.yepikredi.com/en

Finansbankwww.finansbank.com.tr

DenizBankwww.denizbank.com/EN

Garanti Bankwww.garantibank.com

Healthcare

Esnaf Hospital, Fethiyewww.esnafhastanesi.com

AXA PPP Healthcarewww.axappphealthcare.co.uk

BUPA Internationalwww.bupa-intl.com

ExaCare Insurance Serviceswww.expacare.net

useful websites

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when procrastinationturns to action

dreamscan become reality

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