Buying property in Greece
Property selected for location, quality and long-term value
From the Ionian Islands to the Athens Riviera, every region has its own character. The right decision begins with finding a location that fits your plans, lifestyle and future.
We guide Dutch and international buyers in selecting and acquiring property in Greece, working alongside carefully selected local partners.
For non-EU buyers, the Greek Golden Visa programme may form part of the purchase process.
Why Greece
Greece offers a diverse property market with homes, development plots and investment opportunities across the mainland and islands. From vibrant cities to quiet coastal regions, each area has its own character, price level and possibilities.
For that reason, a successful purchase does not begin with choosing a property, but with selecting a location that fits your plans, lifestyle and future.
For some, a second home is the priority. Others are looking for an investment, a development plot or a place to settle in the future. The right decision begins with understanding the opportunities each region has to offer.
Key considerations
Buying property in Greece requires a careful and well-informed approach.
Ownership, permits, development potential and accessibility all play an important role. In practice, this information is not always immediately available or fully transparent.
Local regulations and conditions vary by region and may influence what is possible with a property or development plot.
A thorough review provides clarity and supports well-informed decisions.
The purchase process
Orientation
Exploring your preferences, possibilities and the intended use of the property.
Due diligence
Review of ownership, documentation, permits and any legal restrictions affecting the property.
Purchase Agreement
Formalising terms between buyer and seller.
Transfer
Completion of the purchase, including registration and tax formalities.
Purchase costs
In addition to the purchase price, buyers should take into account a number of additional costs. Depending on the type of property and the specific transaction, these typically amount to between 7% and 10% of the purchase price.
These costs may include property transfer tax, notary fees, legal assistance and costs related to required checks and registrations.
Property transfer tax is approximately 3.09% and is generally payable by the buyer.
Real estate becomes meaningful when it brings calm and truly fits
Use and rental
Many buyers choose to use their property not only as a second home, but also for rental during part of the year. Whether this is attractive depends on the location, the type of property and local market demand.
In popular coastal regions and on many Greek islands, demand for high-quality holiday homes is strong during the tourist season. Short-term rental is subject to registration requirements and applicable legal and tax regulations.
A careful balance between personal use, rental opportunities and expected returns starts before the purchase. We help you understand what is realistic for each property and location.
Frequently asked questions about buying property
Can foreigners buy property in Greece?
Yes, as an EU citizen you can purchase property in Greece without restrictions. The purchase process differs from that of many other European countries, which makes local guidance and professional support important.
Do I need a Greek tax number?
Yes. A Greek tax number (AFM) is required when purchasing property in Greece. It is used for the registration of the property and various tax-related procedures connected to the purchase.
Do I need a lawyer when buying property in Greece?
A notary is required for the transfer. In practice, independent legal representation is strongly recommended. A lawyer reviews ownership, permits and legal aspects of the property 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 process, during which ownership, permits, building plans and registrations are carefully reviewed.
This helps prevent issues later on and provides clarity about what you are buying and what possibilities the property offers.
What are the additional costs when buying property in Greece?
In addition to the purchase price, buyers should take into account additional costs, including transfer tax, notary fees and legal assistance.
These costs typically range between 7% and 10% of the purchase price, depending on the type of property and the specific circumstances.
Can I get a mortgage in Greece?
Financing is possible, but is typically limited to a portion of the property value.
Many buyers therefore fund a significant part of the purchase with their own resources.
Conditions vary between banks and depend on factors such as income, nationality and the type of property.
Can I rent out my property in Greece?
Yes, rental is permitted in Greece, provided it is properly set up.
Registration is required and local regulations and tax obligations apply.
Depending on the location and type of property, rental can offer attractive opportunities. We are happy to advise on what is realistic in each situation.
How is property in Greece taxed in my home country?
Property in Greece is generally taxed in Greece.
Tax treaties are in place to help prevent double taxation.
The property must still be declared in your home country for tax purposes.
Can I buy property in Greece without being permanently present?
Yes. A large part of the purchase process can be handled remotely through a power of attorney and local representation.
Whether personal attendance is required at certain stages depends on the specific circumstances of the purchase.
How long does the purchase process take?
The timeframe depends on the type of property and the availability of the required documentation.
In many cases, a purchase can be completed within a few weeks to a few months. A thorough review of the documentation remains an important part of the process.
Can I open a bank account in Greece?
Yes. A Greek bank account can be opened for payments, utility services and the ongoing management of a property.
The required documentation may vary depending on the bank and individual circumstances.
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.
What is the Golden Visa in Greece and who is it for?
The Greek Golden Visa programme allows non-EU citizens to apply for a residence permit through a qualifying real estate investment.
For international buyers, it can provide a route to residency in Greece and access to the Schengen area.
For EU citizens, including Dutch nationals, a Golden Visa is not required, as they are free to live in and purchase property in Greece.
Considering buying property in Greece?
From the first orientation through to completion, we guide Dutch and international buyers in making informed decisions.
We would be pleased to assist you.
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