Greece boasts a diverse real estate market, offering everything from historic city apartments to stunning coastal villas. This guide is designed to help international buyers confidently navigate the process of purchasing property in Greece.

Whether you are an EU citizen or a non-EU national, buying property in Greece involves navigating specific legal procedures and requirements.

Here are key tips for international buyers, separated into two categories: European Union (EU) citizens and third-country nationals.

Tips for a Smooth Process Work with reputable local professionals (real estate agents, lawyers, notaries, engineers). Collaborate with experienced professionals, including a local lawyer, notary, and a trusted real estate agent familiar with the Greek property market and legal procedures. Navigating the process can be complex, especially for foreign buyers, making professional guidance essential to avoid risks and ensure a smooth transaction.

Legal Requirements

1. Valid passport and Greek tax registration number (AFM)

2. Opening a Greek bank account

3. Legal representation by a Greek lawyer

4. Property verification through a civil engineer

5. Notary public services for deed transfer

6. Financial Considerations

7. Purchase Costs

Costs and Fees:  In addition to the property’s price, remember to budget for notary fees, registration fees, legal fees, and property taxes that can add an extra 10-12% to the purchase price. 1.Legal fees (0.5-1% of the property value) 2.Real estate agent commission is based on the market price, not the objective price (percentage varies with a minimum 2-3% plus VAT)

Technical inspection fees

1. Additional Expenses
2. Annual property tax (ENFIA)
3. Municipal taxes
4. Building insurance
5. Utilities and maintenance costs

Property Management: If you are purchasing property remotely, consider hiring a local property management company to oversee the maintenance, taxes, and any rental operations.

Property Buying Process

1. Initial Property Search and Selection
2. Legal Due Diligence
3. Property title search
4. Verification of building permits
5. Check for encumbrances or liens
6. Technical Inspection
7. Structural assessment
8. Compliance with building regulations
9. Verification of property measurements
10. Purchase Agreement and Deposit
11. Final Contract and Payment

Tips for Third-Country (Non-EU) Buyers:

Third-country nationals must adhere to stricter regulations when purchasing property in Greece.

Golden Visa Program: Non-EU buyers have the option to apply for a *Golden Visa*

International property buyers in Greece should work with professionals who speak their language or have an international outlook. Using an official translator is also essential to avoid miscommunication. The process of buying property in Greece involves navigating complex legal documents, contracts, permits, and financial negotiations.

Language barriers can lead to misunderstandings that result in costly mistakes. Clear communication is critical to ensure a smooth and successful transaction.

Engaging professionals at every stage of the process is not just convenient—it is essential for a seamless, stress-free experience. Experts provide legal clarity, personalized guidance, and peace of mind, helping you make informed decisions with confidence.