{"id":17469,"date":"2025-06-27T14:05:27","date_gmt":"2025-06-27T14:05:27","guid":{"rendered":"https:\/\/www.myhomegreece.gr\/?p=17469"},"modified":"2025-06-27T19:14:59","modified_gmt":"2025-06-27T19:14:59","slug":"property-purchase-costs-greece-2025","status":"publish","type":"post","link":"https:\/\/www.myhomegreece.gr\/?p=17469","title":{"rendered":"Property Purchase Costs in Greece"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\ud83c\udfe0 <strong>Property Purchase Costs in Greece<\/strong><\/h2>\n\n\n\n<p>Buying property in Greece involves a variety of costs beyond the sale price. Most of these costs are borne by the buyer and should be taken into account in order to properly plan the transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 <strong>Detailed Breakdown of Key Expenses:<\/strong><\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Property Transfer Tax (\u03a6.\u039c.\u0391.)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>3%<\/strong> on the higher value between the objective tax value and the contractual price<br>\ud83d\udccc Example: For a \u20ac100,000 property \u2192 Tax = \u20ac3,000<\/li>\n\n\n\n<li>An <strong>additional 3% municipal tax<\/strong> is applied on the transfer tax<br>\u279d Total effective rate: approximately <strong>3.09%<\/strong><\/li>\n\n\n\n<li>\u2705 <strong>Exemption<\/strong> applies for first-time homebuyers under certain conditions (e.g. family status, property size and value)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Value Added Tax (VAT \u2013 \u03a6.\u03a0.\u0391.) \u2013 for New Properties<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applies <strong>instead of transfer tax<\/strong> for properties with a building permit issued <strong>after 1\/1\/2006<\/strong><\/li>\n\n\n\n<li><strong>Rate: 24%<\/strong><\/li>\n\n\n\n<li>\u26a0\ufe0f VAT has been <strong>temporarily suspended until 31\/12\/2025<\/strong>, so most purchases today are subject only to transfer tax<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Notary Fees<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Usually until <strong>1,5 %<\/strong> depending on the value and complexity of the transaction<\/li>\n\n\n\n<li>Includes: base fee, pages of the deed, certified copies, and <strong>24% VAT<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Registration Fees (Land Registry \/ Cadastre)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Typically <strong>0.475% to 0.5%<\/strong> of the property value<\/li>\n\n\n\n<li>Additional <strong>24% VAT<\/strong> is applied on the fee<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Legal Fees (Optional but Recommended)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For due diligence on title deeds and legal representation<\/li>\n\n\n\n<li>Usually 2-3 % of the property&#8217;s value + <strong>24% VAT<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Real Estate Agent Fee<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Usually <strong>2<\/strong>&#8211; 4 <strong>%<\/strong> of the final sale price + <strong>24% VAT<\/strong><\/li>\n\n\n\n<li>This may vary depending on agreement between buyer and agent<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. Technical Inspection \u2013 Civil Engineer<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Required for issuing the engineer\u2019s compliance certificate (no unauthorized structures, etc.)<\/li>\n\n\n\n<li>Typical cost: of the property value or approx. depending on the case of the property from 500 euros and above +<strong>24% VAT<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\udde9 <strong>Other Potential Costs to Consider:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Document translation (if the buyer is a foreign national)<\/li>\n\n\n\n<li>Bank transfer fees, mortgage or loan-related costs<\/li>\n\n\n\n<li>Proportional annual property tax (ENFIA)<\/li>\n\n\n\n<li>Utility connections (electricity, water, internet, etc.)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd0d <strong>Professional Tip:<\/strong><\/h3>\n\n\n\n<p>To ensure a smooth and secure transaction, it is highly recommended to work with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lawyer<\/strong> \u2013 for legal checks and contract representation<\/li>\n\n\n\n<li><strong>Notary Public<\/strong> \u2013 for drafting and signing the deed<\/li>\n\n\n\n<li><strong>Civil Engineer<\/strong> \u2013 for property legality and technical reports<\/li>\n\n\n\n<li><strong>Tax Advisor<\/strong> \u2013 for proper tax planning and compliance<\/li>\n\n\n\n<li><strong>Real Estate Agent<\/strong> \u2013 for negotiation and transaction support<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\ud83c\udfe0 Property Purchase Costs in Greece Buying property in Greece involves a variety of costs beyond the sale price. Most of these costs are borne by the buyer and should be taken into account in order to properly plan the transaction. \u2705 Detailed Breakdown of Key Expenses: 1. Property Transfer Tax (\u03a6.\u039c.\u0391.) 2. Value Added [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":17471,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[5],"tags":[100,102],"class_list":["post-17469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","tag-buying-property-greece","tag-costs-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buying Property in Greece: Full Breakdown of Purchase Costs 2025<\/title>\n<meta name=\"description\" content=\"Discover all the costs of buying property in Greece in 2025 \u2013 taxes, notary, legal, agent fees, VAT, and more. 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