Buying guide
Buying property in Greece: step by step.
What you should know about the legal situation, taxes, costs and process when buying property in Crete – clearly explained.
The process in five steps
From the first viewing to the land registry entry.
- 01
Search & viewing
Together we find properties that match your vision.
- 02
Legal review
A lawyer checks the land registry, building law and any encumbrances.
- 03
Greek tax number (AFM)
Required for signing any contract – we support you with the application.
- 04
Notarised purchase contract
Signing before a Greek notary.
- 05
Land registry entry
The purchase becomes official and legally secure.
What does the purchase cost on top?
Guide values for purchase costs in Greece.
All figures are non-binding guide values and subject to change. Please have them verified for your individual case.
| Item | Guide value |
|---|---|
| Property transfer tax | approx. 3% of the purchase price |
| Notary fees | approx. 1–1.5% |
| Land registry entry | approx. 0.5% |
| Legal fees | approx. 1–2% |
| Agent’s commission | separate, by agreement |
Purchase cost calculator
Get a first estimate of your total investment.
- Property transfer tax (3,0 %)
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- Notary fees (1,25 %)
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- Land registry entry (0,5 %)
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- Legal fees (1,5 %)
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- Total purchase costs
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- Total investment
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Non-binding example calculation based on average percentages; no tax or legal advice. Agent’s commission is agreed separately and not included here.
Financing calculator
Estimate your monthly instalment for a mortgage.
- Loan amount
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- Total interest (term)
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- Monthly instalment
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Non-binding example calculation (annuity loan, constant instalment over the entire term, excluding fixed-interest periods, unscheduled repayments or fees). No financing commitment or advice.
Frequently asked questions
Answers to the questions our clients ask most.
Can EU citizens buy property in Greece without restrictions?
Yes – EU citizens are generally not subject to any particular restrictions when buying property in Greece. In certain border regions special permits may be required; we check this for you case by case.
What is the AFM tax number and when do I need it?
The AFM is a Greek tax number that must be obtained before signing any contract. We support you with the application.
Is there a Golden Visa programme for non-EU citizens?
Greece offers investors from non-EU countries a residence permit under certain investment conditions. We are happy to discuss details and current thresholds in person, as the rules can change.
Can I finance the purchase through a German bank?
Depending on the property and your personal situation, financing through German or Greek banks is possible. If needed, we connect you with experienced financing advisers.
What running costs will I have as an owner?
These include the annual property tax (ENFIA), utilities, and – if you are not permanently on the island – costs for maintenance and property management.
Questions about your individual purchase?
We take time for a personal, no-obligation conversation.