Buying property in Greece
A second home by the sea, defined by calm and long-term value
Buying property in Greece requires insight and the right guidance on the ground.
Voss Makelaardij supports Dutch and international clients throughout the process, working with trusted local partners and with a clear focus on location, quality and long-term value.
The right decision lies not only in the property itself, but in the considerations that come before it.
For non-EU buyers, the Golden Visa programme in Greece can play a role in this process. We provide clarity and guidance where needed.
Why Greece
Greece is defined by space, light and a natural rhythm, with clear differences in location and character.
The quality of a property is determined by location, accessibility and its relationship to the surroundings.
The variety of coastal and hillside settings makes it possible to choose a place that fits the intended use.
The property market has developed steadily in recent years, with growing interest from private buyers and investors.
Property in Greece is not only a place to stay, but an investment where selection and context make the difference.
Types of property
The market in Greece ranges from private villas with views and privacy to apartments and studios close to amenities and the coast.
Building plots allow the creation of a home tailored to individual preferences.
New developments offer a defined starting point, often with design and planning already in place.
Key considerations
Buying property in Greece requires a careful and well-informed approach.
Aspects such as ownership, permits, building potential and accessibility play a key role. In practice, this information is not always immediately clear or complete.
Local regulations and conditions vary by region and influence what is possible with a property or plot.
A thorough review provides clarity and supports informed decisions.
The purchase process
Orientation
Exploring preferences, possibilities and intended use.
Due diligence
Review of documentation, ownership and building potential.
Agreement
Formalising terms between buyer and seller.
Transfer
Finalisation at the notary, including registration and tax formalities.
Costs and taxes
In addition to the purchase price, further costs apply. These typically range between 7% and 10% of the purchase price, depending on the type of property and the specific situation.
These include transfer tax, notary fees and legal fees. Transfer tax is currently approximately 3.09% and is generally paid by the buyer.
Real estate becomes meaningful when it brings calm and truly fits
Use and rental
A property in Greece can be used for personal use, extended stays or in combination with rental.
In well-positioned locations, there is demand for quality properties, particularly during the high season. At the same time, rental requires careful setup, registration and an understanding of local regulations.
A considered approach brings use and rental into balance. We provide insight into what is realistic.
Frequently asked questions about buying property
Is buying property in Greece a good investment?
Property in Greece can offer long-term value, depending on location, property type and intended use. With the right guidance, opportunities can be assessed carefully and realistically.
Can I buy property in Greece as a foreigner?
Yes, as an EU citizen you can purchase property in Greece without restrictions. The process differs from other countries, which makes local guidance important.
Do I need a Greek tax number?
Yes, a Greek tax number (AFM) is required when purchasing property. This number is needed for the registration of the property and all fiscal procedures related to the purchase.
Do I need a lawyer when buying property in Greece?
A notary is required for the transfer, but in practice having your own lawyer is essential. A lawyer verifies ownership, permits and legal aspects before proceeding with the purchase.
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How do I know if a property is legally and structurally in order?
This is verified during the due diligence phase, where ownership, permits, building plans and registrations are carefully checked.
This prevents issues afterwards and provides clarity on what you are actually buying and what the possibilities are.
What are the additional costs when buying property in Greece?
In addition to the purchase price, further costs apply, including transfer tax, notary fees and legal fees.
These typically range between 7% and 10% of the purchase price, depending on the type of property and the specific situation.
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Can I get a mortgage in Greece?
Financing is possible, but typically limited to a portion of the property value. Many buyers fund a significant part of the purchase themselves.
Banks apply stricter conditions for foreign buyers. Financing is not always straightforward.
Can I rent out my property in Greece?
Yes, rental is permitted in Greece, provided it is properly set up.
Local regulations and tax obligations apply.
Depending on the location and type of property, rental can offer long-term value.
How is property in Greece taxed in my home country?
Property in Greece is taxed locally. Due to tax treaties, double taxation is generally avoided.
The property must still be declared in your home country.
What is the Golden Visa in Greece and who is it for?
The Golden Visa is a residence permit for non-EU citizens who invest in property in Greece.
It offers a route to residency in Greece and access to the Schengen area.
For EU citizens, this is not required, as they are free to live and purchase property in Greece.
Considering buying or investing in Greece?
We guide you throughout the process.
Voss Makelaardij
The Netherlands & Greece
+31 6 43216602
vossagnes2@gmail.com
KVK 83808361
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