Additional Costs When Buying Property in Greece

When buying property in Greece, it is important to consider more than just the purchase price. Additional costs typically range from 7% to 12% of the property value. The final amount depends on the type of property, transaction terms, professional fees, and Golden Visa processing. ## Property Transfer Tax The primary mandatory payment for the buyer is the property transfer tax. Its base rate is 3% of the taxable value. Including the municipal tax, the actual amount is approximately 3.09%. (aade.gr) The tax must be paid before signing the notarial deed. A special regime applies to certain new properties. In 2026, developers may apply a VAT suspension, in which case the buyer pays the property transfer tax. Conditions are verified for each individual property. (minfin.gov.gr) ## Notary Fees The purchase agreement must be notarized. The cost of services depends on the property price and the complexity of the documentation. You should generally budget for about 1–1.5% of the property value, including VAT and related charges. ## Legal Support A lawyer verifies the seller’s title, the absence of debts, liens, mortgages, legal disputes, and other encumbrances. The cost of legal support is often around 1–2% of the property price or a fixed fee. ## Property Registration After signing the contract, the title is registered with the Hellenic Cadastre. It is recommended to budget approximately 0.5–0.8% of the property value for this. The notary submits the contract to the cadastre, after which the buyer pays the registration fees. (Greek Government Portal) ## Technical Inspection An engineer checks the building permit, the legality of extensions, plot boundaries, and the technical condition of the property. A standard property inspection can cost between 500 and 1,000 euros. For a villa, plot, or building, the cost may be higher. ## Agency Commission The agency commission is determined by contract and is often around 2–3% of the purchase price plus VAT. Before starting, it is important to clarify whether this is included in the advertised property price. ## Golden Visa Expenses When applying for a Golden Visa, government fees, health insurance, document translations, apostilles, powers of attorney, and immigration lawyer services are paid separately. These expenses are not included in the purchase price. AILIT Group helps you calculate your budget in advance, verify the property, and organize transaction support. Explore our services, learn how AILIT Group works, and view the Villa Marivon project. ## Calculation Example When buying a property for 800,000 euros, additional costs can be approximately 56,000–96,000 euros. The total transaction budget is about 856,000–896,000 euros. An accurate calculation must be made before paying the deposit, as taxes, commissions, and support costs depend on the specific property.