Guide to Investing in Albanian Coastal Property

Albania
2013Property Guide
Albania Property Group ©
We promise you
a piece of the Mediterranean
January 2013

Albania Property Guide
Albania Property Group − © January 2013
About Albania & Albanians 1
International integration 3
Economic data 4
Albanian Cities 5
Questions & Answers 9
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Contents

Albania covers a total area of 28,748 km2, coastline
362 km. Albanian Coastline bordering the Adriatic and
Ionian Seas.
The territories of present day Albania have been
inhabited as early back as 100.000 years ago. It was
at the turn of the third millennium BC that an Indo
- European population settled there. As the result of
the mixture, a population incorporating the unique
cultural and linguistic characteristics of the whole
Balkan Peninsula (pelages) was created.
Based on this ancient population, the Illyrian people
developed through the second millennium and the first
century B.C. After its fall in the year 168 B.C. Illyrian
Kingdom came under the control of Roman Empire.
With the division of the Roman Empire (395 A.D),
Illyria became a part of the Byzantine Empire.
The country has suffered continuous invasions
over the last 1000 years and by the end of the 14th
century Albania was occupied by the Ottoman Empire.
Albanians fought successfully Ottomans during
1443-1468 under the legendary Leader Gjergj Kastrioti
Scanderbeg. Ottoman Empire at its best was stopped
by Albanians who saved Europe from the invasion. The
subsequent efforts and insurrections for independence
eventually brought about the proclamation of the
independence of Albania in 1912. After 1912 till the
end of the First World War, the country was attacked by
neighboring countries.
Scanderbeg square in the center of Tirana – Capital of Albania
Location of Albania in Europe
Map of Albania
1
History of Albania
About Albania and Albanians
TIRANA
MACEDONIA
ADRIATIC
SEA
IONIC SEA
KOSOVOMONTENEGRO
GREECE
Durrës
Kavaja
Elbasan
Pogradec
Laç
Lezha
Peshkopi
Lushnje
Fier
Vlora
Saranda
Berat Korça
Tepelena
Shkodra

Albania has a population: 4.1M (est.
July, 2012) but only 3.1 M are residents
and the difference is made of Albanian
emigrants who leave and work mostly in
Greece and Italy.
Albania is a secular country. Albania is
well known for its model of religious
tolerance and this goes back to the
middle age. Muslim religion was first
introduced into Albania by the Ottomans
invaders.
In the country now live together
Catholics, Orthodox, Evangelists and
Muslims.
According to the 2007–2008 Gallup polls,
63% of Albanians claim that religion does
not play an important role in their life
After eleven years of monarchy the
country was occupied by Mussolini
forces in 1939, putting the end of
monarchy. In 1943 the armies of Hitler
occupies the country. Albanians are
well remembered for providing shelter
to Jews during the war. Albania was a
safe haven for Jews from neighboring
Yugoslavia and Greece.
The resistance against foreign invasion
was known as the Anti – Fascist National
Liberation front. The Communist
party took power in November 1944,
when the foreign armies were expelled.
Shortly thereafter, a totalitarian regime
was established under the communist
leader Enver Hoxha. For about 50
years, the regime applied the policy of
Mosaic at the National Historic Museum in Tirana
poverty when it finally emerged from
isolation in 1991.
The principle of self-reliance applied
by the Communist regime prohibited
foreign loans, credits and investment.
From 1991 until 1997 The Democratic
Party led the country. After the unrests
of 1997 due to the failure of pyramidal
schemes the Socialist Party with its
coalition was in power until 2005. After
the last elections on 3 July 2005 The
Democratic Party with its coalition is
turn back in power. Albanian policy
intends to integrate the country into
European Community and the Alliance
of NATO forces.
2
Population
Median age ~ 30 years
Life expectancy at 78 years
Albanian capital: Tirana with
approx 900K inhabitants

Europe - Albania’s long time aspiration
Albania is a member of the UN since 14 December 1955
3
Paving the way for
European Integration
Credit rating
Parliamentary Democracy
Member NATO − April 2009
Albania to become a member of the EU in the next
5 years
Political Risk: 3 (1 = best; 7 = worst),
In global financial market: B1, Moody’s classified as
a country of “stable outlook” (Mar., 2012)
The enactment rule of law is foundation of free
society
All new laws are in accordance with western
standards
International Parameters
Ease of Doing Business rank:
2012 rank: index climbed to 82
2011 rank - 86
2010 rank – 135
Corruption Perceptions Index (CPI) score
Transparency International
2011: rank – 95, score 3.1
2010: rank – 85, score 3.4
More links about Albania indicators
http://www.worldbank.org.al
http://www.doingbusiness.org
http://www.transparency.org

Albanian current Currency
4
Economic data
Commercial Banks (2012)
Exchange rate (August, 2012)
EUR/ALL 138.0
USD/ALL 110.4
EUR/USD 1.25
GDP – real growth rate: 2.5% (2011 est.)
GDP – per capita: $7,800 (2011 est.), $7,600 (2010)
Budget:
Revenues: $3.405 billion
Expenditures: $3.87 billion (2011 est.)
Taxes & other Revenues: 25.6% of GDP (2011 est.)
Inflation Rate: 3.9% (2011 est.), 3.5% (2010 est.)
Exports: $1,886 billion (2011 est.), $1.548 billion
(2010 est.)
Export Partners: Italy 50.8%, Kosovo 6.2%, Turkey
5.9%, Greece 5.4%, China 5.5%
Imports: $5.022 billion (2011 est.), $4.305 billion
(2010 est.)
Import Partners: Italy 28%, Greece 13%, China 6.3%,
Turkey 5.6%, Germany 5.6%
Public Debt: 59.4% of GDP (2011 est.)
Investment: 31% of GDP (2011 est.)
Alpha Bank – Albania
Intesa Sanpaolo Bank Albania
(Former: American Bank of Albania)
Societe Generale (SG)
Credins Bank (CB)
Credit Bank of Albania (CBA)
Credit Agricole – Emporiki bank (CA)
First Investment Bank Tirana Branch (FIB)
First Investment Bank, Albania sh.a. (FIB)
International Commercial Bank (ICB)
Italian Development Bank (IDB)
National Bank of Greece (NBG)
Banka Kombetare Tregtare (BKT)
Procredit Bank (PCB)
Raiffeisen Albania (RZB)
Tirana Bank (TB) (Part of Piraeus Bank)
Union Bank (UB)

Pedestrian bridge over the “Lana” river in Tirana
Vast urban development in Tirana
“Scanderbeg” square in the center of Tirana
“Grand Park” in the southern hills of Tirana
5
Tirana enjoys a beautiful setting
between the ranges of Dajti Mountain
from one side and the coastal plains on
the other one.
This relatively new city was founded in
1614 by Sulejmen Pashe Bargjini, feudal
lord of that time, and proclaimed
capital in 1920. However the area has
been inhabited as early back as the
Neolitic period.
With a population of approx 800,000
inhabitants, Tirana is growing rapidly,
and is a busy commercial and adminis-
trative center with several comfortable
hotels, restaurants, discos, pubs as well
as modern facilities for conventions and
conferences. About 70% of the
businesses are located in Tirana area.
It is always nice to have a walk in the
Grand Park, lying in the southern part
of the city and extending over an area of
250 hectares with an artificial lake
included. It has 120 kind of plants,
decorative shrubs and flowers of various
colors.
Tirana – Albania’s capital city

Ksamil Beach in Saranda
“The Blue Eye”– unique natural spring in Saranda“Monastery Bay” in Saranda Butrinti – largest archeological site in Albania
6
Saranda, the gateway to the southern
Albania, is a small town located between
high mountain and the Ionian Sea.
The name Saranda derives from an early
Christian monastery dedicated to Santi
Quaranta (Forty Saints).
Located on the shores of Ionian sea, in
front of Greek island of Corfu, Saranda
is characterized by a Mediterranean
climate and warm sea waters.
Due to its location and warm weather
Saranda is one of the most attractive
tourist town in Albanian Riviera, where
honeymooners traditionally spend their
holidays.
Located in front of the sea and along the
main promenade there are some hotels
and restaurants which offer you catering
facilities and accommodation. Daily
ferryboat links Saranda with the nearby
Greek island of Corfu.
Saranda – The Pearl of the South

Medieval Tower in Durres
Durrës seaside by dawnThe Durres sandy riviera is the longest in Albania
7
Durres is an ancient city, founded in
627 B.C. and known by the names
Epidamnus and later on Dyrrachium.
The most important archaeological site
is the Amphitheatre, the largest in the
Balkan Peninsula, built in the 2nd
century B.C. with a capacity of 15 - 20
thousand spectators and containing an
early Christian Crypt with rare wall
mosaics.
Worth visiting is also the fortress of
Durres of the early Middle Ages, V –VI
Centuries.
Located in the vicinity of international
Airport of Rinas and the capital, Durres
maintains regular connections with
Italian ports
Durres is the largest beach and sea
destination in Albania
With a coast of 6 km long and 150 –180
meters wide, only 30 km from Tirana
International Airport and 39 km far
from the capital Tirana.
Along the seaside there are tourist
establishments which provide adequate
services.
Durres is the second largest city of
Albania with a population of 150,000
inhabitants which gets almost doubled
during the summer. It is the biggest
seaport and the main railway connec-
tion center.
Durrësi – Albania’s oldest city

Dhërmi – Lush vegetation by the pristine seaside “Cold Water” rocky beach in Vlora Secluded private beach in Vlora
Sazani Island as seen from Vlora’s seaside
The adorable Ionian riviera spans the whole length of Vlora
8
Vlora coast is situated in the southwestern part of
Albania, exactly where the Adriatic and Ionian seas
meet. Vlora, through the Otranto Channel, is the
nearest point of Albania to Italy (72km). It is 135 km
far from Tirana and 123km from Greece.
Along the Vlora coastline you will find outstanding
white beaches and stunning surroundings. There are
plenty of beautiful beaches in places like the natural
Park of Llogara, Dhermi, Palasa, Himare and Cold
Water (famous for its rich clientele and natural water
resources). Vlora averages 274 days of sunshine in a
year.
Vlora – Miles of White Beaches

Albania Property Group − © january 2013
How much would a property cost me and how big are they?
Do apartments come furnished?
How much is the Reservation/Agency fee?
What do I get for my agency fee?
What are the payment terms?
How can I instruct a lawyer?
What is the process after the initial reservation fee is paid?
Can I buy as an individual or company?
What other costs do I need to be aware of?
Is there a need for car parking?
What is the rental market like?
Approx how much are communal charges?
Are there any guarantees from the developers?
Property Management & Rental Services
Do you organize Property Tours?
9
Now is the best time to invest in Albania
Buying residential, commercial property, or land
is straightforward and the lack of restrictions and
minimal taxes are just few of the incentives towards
buying into the most exciting opportunity in Eastern
Europe today.www.AlbaniaPropertyGroup.com
Questions and Answers
We promise you
a piece of the Mediterranean

Ofﬁces
Office property is mainly based in Tirana. The office market has seen impressive growth
in the last 5 years. Many office buildings has been constructed and many more are under
construction. They are all being built under international standards. Tirana has now around
50,000 m2 of Class A buildings completed whilst construction companies not frightened by
oversupply may deliver more than 70,000 m2 in the next 36 months with the Millennium
project bringing 20,000 m2, and TID Tower 41,000 m2.
Almost all of the modern space in Tirana is located in the Central Business Area; in Tirana
business centers rents range from 12-24 Euro/1m2 per month.
The most expensive and most recent business center is ABA center with 24 Euro/1m2 per
month. Then Twin Towers, ETC rent space at 17-22 Euro/1m2, while Sky Tower and Torre
Drini at 15-18 Euro/1m2.
Service fees in the business centers amounting at 1-3 Euro/1m2 per month.
Residential
The purchase price per 1m2 will vary depending on the location and the quarter within that
location, in addition to the quality and the year when the residence has been built.
To purchase in Tirana, the prices vary from:
400 – 500 Euro /1m2 in more populated Kashar, Yzberisht and Dajti regions
700 – 1,000 Euro /1m2 per m2 in the lake area
900 – 1,200 Euro /1m2 in Tirana e Re
1,100 – 1,600 Euro/1m2 around the National Park of Tirana
1,300 – 2,200 Euro /1m2 in the Block area.
To purchase in Durres - 30 minutes west of capital city:
400 – 500 Euro/1m2 close to the sea without sea view
500 – 750 Euro/1m2 inside the city with no sea view
750 – 1,000 Euro/1m2 inside the city with sea view
1,000 – 1,400 Euro /1m2 in the front line or in resorts south and north of Durres.
To purchase in Vlora - 2 hours south of capital city:
550 – 680 Euro/1m2 in the old beach area.
750 – 900 Euro/1m2 along lines 1 and 2 between Skela-Uji Ftohte road.
1000 –1,400 Euro/1m2, at complexes with top quality and swimming pools.
To purchase in Saranda - 5 hours south of capital city, in front of Corfu in Greece:
550 – 700 Euro/1m2 at Street 5, and towards Cuka channel with sea view
700 – 900 Euro /1m2 for apartments across the road from the sea
900 – 1,300 Euro/1m2 for apartments next to the sea.
Typically one-bedroom apartment have been built around 55-75 m2 and the two-bedrooms
80-100 m2. They would both have balconies, communal areas and one or two bathroom,
which are included in the size of the apartment.
During 2011-2012 due to the market changes in the coastal areas, developers tend to build
smaller apartments, use space in a more efficient way. Foreign buyers are more cautious
towards Apartment Size vs. Return on Investment.
Now we can find more one-bedroom apartments in new buildings with 60-65 m2, and
two-bedroom apartments at 80-85 m2.
10
Q
A
How much would a property cost me and how big are they?

Albania Property Group − © January 2013 11
Q
A
Q
A
Q
A
It would be very unusual to find apartments being sold with furnishing. Albania Property
Group has managed with the our exclusive project Saranda Azzurra to offer kitchen furniture
and air-conditioning within the selling price. It has prooved to be a success story.
Considering that competition is becoming stronger and stronger developers are more willing
to offer furniture, higher quality works, and therefore accept lower margins. This is a positive
sign, and we are witnessing more reasonable pricing and developers thinkign of offering more
than just accomodation.
Furniture packages are available through Albania Property Group and will cost from about
3,500 Euro, depending on grade and amount of bedrooms.
After-sale services with Albania Property group include
Furniture Packages
Property Management
Property Rental Services
These services are explained in detail under “Services” section at our website
www.AlbaniaPropertyGroup.com.
Air conditioning costs from 320 Euro per unit but it is sometimes included in the developer’s
price. However, do expect the following to be included in your apartment: plumbing, electrics,
sanitary ware / bathroom tiling, sockets, doors, double-glazing.
Do apartments come furnished?
We work on a set reservation fee as oppose to a percentage as we feel it penalizes the higher
spender. The fee is small in comparison with other countries.
Airport transfers from Tirana
Accommodation Arrangement
Car hire through our Rent-a-Car Program
Market overview
Property Tour
Legal advice
Assistance with arranging finance/opening a bank account
Power of Attorney option and we can finish the paperwork for you once you leave.
Discuss After Sale Services through our agency such as: Property & Rental
anagement, Furniture Packages.
What do I get for my agency fee?
The Reservation/Agency fee is 2,000 Euro for apartments and Land fees 4 % on a sliding scale
downwards. This fee is payable immediately on return of the reservation form. On receipt of
this money and form, there is usually a cooling off period of 15 days, in case the buyer, should
wish to not proceed with the purchase.
On receiving of this fee Albania Property Group communicates with developing company and
takes the apartment out of the market. With the next step client can start the legal proceedings
in order to finalise the undertaking contract.
How much is the Reservation / Agency fee?

Q
A
Q
A
Q
A
Generally you would pay between 20%-30% of your total purchase after the pre-contracts
have been signed by you and your POA. The percentage varies depending on how far the
construction is towards completion.
Then we try to put other payments in relation with the stages of construction. Therefore
payments might follow with another 30% on completion of concrete shell of the residence,
15%-20% on completion of installations, 10%-20% on delivery of the apartment and 10%
with registration and receiving of the title deed.
The final payment which is paid upon registration of the property takes time in general. It
comes after completion but what is more important clients can furnish and live in the property
before they receive the deeds.
Nevertheless the new law which has come into force in 2012 aims to shorten the period of time
between completion and the registration of individual property.
What are the payment terms?
Since Albania Property Group started selling Albanian property to internationals 6 years ago,
it has been possible to source the best independent lawyers and recommend them to our
clients. There is no obligation for buyers to use our recommended lawyers and our advice
would always be to consider some sort of consultation with an international lawyer in your
own country in an advisory capacity.
You would expect to pay from 600-2000 Euro plus expenses for a quality English speaking
lawyer in Albania. Price is determined based on how many units you buy. Further to our
initial due diligence with a lawyer, in checking paperwork etc, your lawyer would be your
contact through the initial contract procedure up until your first payment. They would also be
on hand to remind you when further payments are due and to push for security of your title
deeds after completion of the project. At Albania Property Group we will be using our own in
house lawyer to verify papers before passing onto the lawyers for final checking and stamps.
How can I instruct a lawyer?
Appoint a lawyer.
Await POA certificate to be sent via email.
Sign certificate in front of notary in your own country & have the POA apostilled.
Return POA certificate to your lawyer in Albania.
Receive by email draft of undertaking-contract.
Liaise with lawyer for any issues or clarifications & agree on the draft.
Await pre-contract signed by lawyer and developer.
Transfer first installment into the developer bank account, based on with details supplied
by your lawyer. Other installments will follow during the construction period.
What is the process after the initial reservation fee is paid?

Q
A
Q
A
Q
AParking is a problem in Tirana and the coastal towns. Our advice at Albania Property Group
would be to purchase if you can afford it. It will be money well spent as an investment and will
be an important commodity when selling or renting. Prices will vary from 12,000 to 25,000
Euro in capital city Tirana; 10,000- 15,000 Euro in Durres and Vlora; and 7,000- 10,000 Euro
in Saranda.
Is there a need for car parking?
Albania has not been in the world tourist map before. However it has been moving up the
league table gradually over the last 4 years and is accelerating fast. A 20% increase of the
number of visitors over the last three years, through the international airport in Tirana, proves
this.
Albania Property Group has always said that this is the beginning stage for the ones wanting
to go for rental income. Anyhow, it is important to understand that on the coast the rental
market is not great yet, but it is growing.
One would expect to receive a maximum of 6% rental income yield in the high summer
months from best properties in the coastal cities. At same time rental income in central Tirana
can surely go higher than what you could make in coastal cities.
Big tour operators have low presence in the country for the time being, but the situation is
changing gradually. Foreign operators have started cooperating with Albanian travel & tour
companies. Once they are in, on a larger scale, then travel agents and holiday programs will be
singing the praises of this stunning country and the rental market will shoot up accordingly.
With ferries running daily from Corfu and Italy and major roads linking all parts of the
country to their neighbors, already finished – tourism is becoming a very interesting and
profit-making business.
What is the rental market like?
There is no VAT on your purchase and no transfer tax. Most countries around the world will
charge a percentage of the purchase price, when buying a property in their country. This figure
can vary from the 2% to 15% in those countries. This is not the case in Albania.
Should you decide to sell the property, there is a Selling Tax (similar to capital gains tax) of
10% payable in Albania, on the difference between purchase and sale. There is also a flat
income tax of 10% on the rental income, should you rent your property out.
Starting on January 2008 corporate tax was also reduced to a flat 10%, as is income tax.
With all this in mind, your only extra fees in purchase will be real-estate agents and lawyers.
For total tax and financial advice, Albania Property Group can recommend certified accoun-
tants to help you through any questions you may have in this respect.
What other costs do I need to be aware of?
The tax benefits are better to buy as an individual for residential property, however a local
company would be needed should you be venturing in securing land. With the latest improve-
ments in the procedure of registering a company in Albania you can make such registration
within 24 hours.
Can I buy as an individual or company?
Q
A

Q
A
Q
A
Q
A
Expect to pay around 150-200 Euros a year for maintenance in the residences without
swimming pool.
Then water, electricity, is paid based on consumption and an average monthly bill could go
approx 50 Euro, or 600 Euro per year if the apartment is used during 12 months.
Approx how much are communal charges?
Albania Property Group is very particular in the developments that come onto the market
through themselves. All the paperwork is checked with our lawyer and solicitor to be sure of
legality and title. It is nearly always the case that that developers will look to raise finance from
the financial institutions, which will themselves cross check the credibility and finance of the
developer.
This package gives the comfort of security to all our investors at Albania Property Group.
Are there any guarantees from the developers?
Albania Property Group provides full Property Management Services to owners of single
family homes, individual and multi-family apartments. We specialize throughout Albania,
with superior service to protect your investment. Albania Property Group gives each property
individualized attention during every phase of management. Today owners require a wide
range of services depending upon the property and market conditions.
Albania Property Group agrees to look after the property, to maintain, to repair the property
and to hire and to supervise all employees and other needed labor. For a monthly fee of 40-50
Euros our Maintenance Services offered are:
Maintenance and Services
One complete cleaning of apartment per month.
Collecting & Paying utility bills and yearly taxes.
Check of all contents against the inventory in the case that apartment is rented.
Visual inspection of the interior, and check for any obvious defects
Test of all appliances and electrical equipment
Examination of all furniture and furnishings for wear and tear
Check of all sanitary equipment and plumbing
Test of security services and equipment
Preparation and sending of monthly report
Property Rental Services
Once you have committed to our rental management plan, we then take photos of your
property and upload them on our rental website www.RentinAlbania.com as well as the other
international portals with which we cooperate. In addition we advertise your property in
different directories, search engines, and magazines as well as with tour operators. We cover all
aspects of supervising the rental agreement.
Albania Property Group provides best service to our international clients that have signed
Property Management Contract with our company. Due to our position in the holiday rental
market, we managed to sign recently an exclusive partnership with Novasol, a Danish company
which since 42 years ago provides holiday properties for rent to Northern European clients.
Novasol portfolio includes over 35,000 properties across 27 countries. Over 3 million clients
rent from Novasol every year.
Property Management & Rental Services

Q
A Many of our clients have never been to Albania and want to visit to get a feel for the country,
the coastline, cities, its topography, and the various areas for potential investment. We
welcome you and highly recommend that you come to the country and take one of our
“Albania Property Group Tours”.
We are the most experienced in rentals and management in the Albanian market and now we
have 3 offices in Albania – Tirana, Saranda and Vlora.
The property tour is a “rolling mini-seminar” through most key areas of the country - from
Tirana, Durres and then down south to Vlora, Dhermi, Palase, Himara and Saranda. Our
professional people have deep knowledge about property issues, property management,
maintenance expenses, and other issues specifically relevant to owning investment property.
We believe in educating our clients, not applying high pressure sales tactics.
Do you organize Property Tours?
RentInAlbania.com
Rent in Albania (www.RentinAlbania.com) operates under the umbrella of Albania Property
Group and has been offering apartments, villas, offices and commercial buildings for rent in
Albania since 2005, with hundreds of satisfied customers.
Comprehensive expertise and knowledge of local market.
Exposure of your property to international renting portals.
Advertising for free in our web sites.
Detailed records and accounting reports.
Professional screening of tenants.
Professional relationship with tenants.
Increased occupancy rates through strict screening and constant supervision.
Efficient rent collections.

In the past few years, Albania has made
clear progress in a number of areas
necessary to allow the smooth running
of real estate finance and real estate
transactions. The lending environment
is greatly improved. Overall, there is a
growing awareness among the central
and local government of the importance
of the real estate sector and they
already making reforms which aim to
solidify and improve its legal and
administrative framework.
Foreign investors are present in the
Albanian real estate market trying not
to miss the last European newcomer.
Opening the country to international
investors is desirable for increasing
transparency and building up expertise.
Foreign capital is also important as
additional source of finance.
An encouraging factor in favor of rising
standards in the Albanian markets over
the next years is the anticipation of
continuing GDP and consumer expendi-
ture growth compared with the EU
recession.
The economic knock-on effect will
benefit real estate growth, investment
opportunities and development
prospects.
The growth of the economy, the price
stability with a low inflation rate of
2.5%, the favorable tax system, the
increase in urbanization, the demo-
graphics and the Diaspora are determi-
nant factors that are likely to deliver a
different profile of performance to that
in Western markets.
NATO membership, bright prospects
for EU membership, a better political
climate, the developing economy and
moving real estate prices – Albania has
it all. Enthusiasm from local investors
has been substantial and interest from
international investors is just emerging.
The real estate market in Albania
currently offers specific opportunities
and looks set to do so for the foresee-
able future.
16
Immaculate beach in Dhërmi – Vlora
Conclusion

For further details on how we can
supply you with more information on
outstanding investment opportunities,
please contact us:
17
Tirana Office - Headquarters
Kavaja street, Tirana Tower 59, Floor 6,
Tirana, Albania
Ilir Konomi - Managing Director - Albania
Cell: +355 6720 80001
+355 6940 00711
Crystal-clear beach in Ksamil – Saranda

Guide to Investing in Albanian Coastal Property

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