NEUVAL Real Estate

Buying

Can I buy a home in Greece if I’m not Greek?

Yes. EU and non-EU citizens buy on the same terms as Greeks.

In a few border regions, non-EU buyers need an extra permit. We tell you if a home is in one.

What do I need before I can buy?

A Greek tax number (AFM). Your lawyer can apply for it for you. The price is paid through a bank, never in cash, so in practice you need a Greek bank account.

We advise using your own lawyer. They check the title and the papers before you sign.

What does buying cost on top of the price?

The main cost is transfer tax, paid by the buyer. It is 3% of the price, or of the official value if higher. A municipal surcharge of 3% on that tax brings it to 3.09%.

The notary, the land registry, your lawyer and any agency fee come on top. A new-build home can carry VAT instead of transfer tax. Builders can suspend it until 31 December 2026. Ask us for a line-by-line estimate for a home you are interested in.

How long does it take?

It depends on the home and its papers. Most of the time goes on the lawyer’s checks and on certificates from engineers and the tax office. We give you a timeline once a price is agreed.

Do I have to be in Greece to sign?

No. Your lawyer can sign for you with a power of attorney. You sign it before a notary in Greece or at a Greek consulate abroad. You can view the home in person and complete the rest remotely.

What is the Golden Visa?

A Greek residence permit for people from outside the EU who buy property above a set amount. The minimum is €800,000 in Attica, the Thessaloniki area, Mykonos, Santorini, Evia and any island of more than 3,100 residents. Elsewhere it is €400,000. It must be one home of at least 120 m², not rented out short-term.

The amounts have changed often. Your lawyer confirms the current ones.

Renting

What do I need to rent a home?

An ID or passport, a Greek tax number (AFM) and proof you can pay the rent, such as payslips, a work contract or bank statements.

Landlords usually ask for a deposit, returned when you leave the home as you found it. We tell you the amount before you commit.

How long is a lease?

If the home is your main residence, the law sets at least three years, even if the contract says less. Holiday and second homes are not covered.

Who pays the shared building costs?

The lease decides who pays the koinochrista, the building’s shared costs. The tenant usually pays running costs: cleaning, the lift, central heating. The owner pays for major repairs. Listings show the monthly amount when the owner gives it.

Selling

How do you value my home?

We start from current asking prices in your area and similar homes nearby. Then we look at the home, in person or from your photos: condition, light, floor and view. You get a price with the reasoning behind it.

Tell us about the home and we reply with an estimate.

What documents do I need to sell?
  • Title deed
  • Land registry (Ktimatologio) extract and plan
  • Energy performance certificate
  • Engineer’s certificate of no unauthorised works, valid two months
  • Building’s electronic identity, where required
  • Tax certificates

The notary collects most of these online. We help with anything missing.

Holidays

Can I rent out my home to holiday guests?

Often, yes. A home rented out for stays under 60 days must be on the tax authority (AADE) register. Its listings show its registration number (AMA). Until 31 December 2026, new registrations are suspended in central Athens and central Thessaloniki. A home sold there cannot rejoin the register while the suspension lasts.

Ask us and we check what applies to your home.

Rules in Greece change. This is general information, not legal or tax advice. Your lawyer confirms what applies to you.

Checked November 2026.

Other questions

Write to Ioannis. He replies.

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