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Golden Rules For New Writers - Things you need to know before you begin. Rules govern everything we do in life; even if those rules are of the unwritten kind we abide by them and expect other people to do the same. Why should writing be any...
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TOP 10 TIPS FOR BUYING PROPERTY IN GREECE
For a foreigner the Greek real estate market can be
mind-boggling experience and at first seems to be a very
complicated purchasing process. Approaching the problem step by
step shows that it is not that hopeless.
By law foreigners can own property in most areas of Greece.
However, there are some restrictions on property purchase that
apply in border areas (eastern Aegean, Dodecanese Islands,
regions of northern Greece, Crete and Rhodes) for non-European
Union citizens. In such cases, non-EU citizens must apply to the
council of the local prefecture. Some real estate agents offer
assistance with this procedure.
Below are a few general tips and information foreigners should
bear in mind when purchasing property in Greece.
1. COST OF BUYING PROPERTY IN GREECE: When buying property in
Greece add at least 15 per cent of the purchase price for fees
and taxes, including a property-transfer tax of 7 to 11 per
cent. Lawyers fees 1-2%, other expenses approx 1% for notary
fees and land registry. Local municipal tax or community tax is
currently calculated at 3% of the purchase tax and is paid
together with the purchase tax. Annual taxes are payable in
Greece on properties owned over the value of 200,000 Euros. The
valuation of properties is carried out by the government which
provides published values, announced for every type of property.
2. AFM: All buyers of property in Greece must have a Greek tax
roll number (AFM) which is issued by the tax offices. It's free
and issued on the spot. Greeks and EU citizens must show their
ID card. Foreigners living in Greece are required to present
their passport or another valid document of identification and
their residence permit. Greeks and foreigners who permanently
reside abroad can also apply for an AFM. They must submit the
application to a special tax office located at 18 Lykourgou St,
Omonia
3. SETTING UP A BANK ACCOUNT: All transactions are in Euros. You
will need to set up a Greek bank account to pay for your legal
advice, transfer money and pay bills. There are foreign exchange
brokers that can transfer large amounts to Greece according to
the business rate. Payment of utility bills can be set up very
easily by direct debit via the bank, and money can be
transferred online.
4. THE "PINK SLIP": The 'pink slip' for wire transfers of money
from abroad. If the buyer cannot justify the amount of money
they have spent, the Greek tax authorities will assign it as
unreported income and the buyer will be assessed income tax.
5. HOLIDAY HOMES: Letting a holiday home short-term is not easy.
Different areas vary, but generally you can let only for three
months or more - and to holiday-makers only if you have a
licence from the Greek Institute of Tourism.
6. INSURANCE: If you intend to use your home only for holidays,
insurance can be arranged
through your Greek Bank for fire and
storm damage. However insurance for theft may only available if
you live in your property throughout the year. There are
company's in the UK that can offer full insurance (3rd party for
example).
7. LAWYERS ('DIKIGOROS'): Get an English-speaking lawyer. The
British Consul's provide list of recommended lawyers. Beware of
buying a property that belongs to more than three family
members. And take photocopies of everything. The lawyer conducts
the title search at the relevant land registry.
8. A CIVIL ENGINEER ('POLITIKOS MICHANIKOS'); may be hired to
review a specific plot and to ensure that boundaries are within
the description in a title document. They can also be consulted
regarding specific building restrictions in place in your chosen
area.
9. PUBLIC NOTARY (SYMVOLEOGRAPHOS): The notary public is
independent of either the seller or the purchaser. He draws up
the contract for transfer of property and the various terms and
conditions contained therein.
10. REAL ESTATE AGENT: The Real Estate Agent's fees are usually
paid by the vendor. All expenses for the conclusion of the final
contract, including the tax on property transfer will be borne
by the buyer. Each party will pay the fees of their legal
representative who must be present at the signing of the
contract; this is required by Greek Law.
Author: Claire May, R & C Property Management Services
About Our Company
R & C Property Management Services offer full Property
Management, building maintenance and renovation services. We
also provide care for you holiday home when you are not there or
when you have guests staying. We offer cleaning package to
guarantee that your holiday home receives the best possible care
and attention. You can be assured that your house is secure and
in safe hands. Your guests will leave with only the utmost
praise for both your home and our services. For details of our
services & prices follow the link.
http://r-and-c-pms.biz/prices.html
For those of you looking for the prefect holiday home we can
help you find your dream property in Greece. We have developed
association with reputable companies covering the Kalamata area
and can introduce you to professional and reliable people who
will help your house purchase to go smoothly. For information
about property in Kalamata follow the link.
http://r-and-c-pms.biz/property.html
For more information visit our website, http://r-and-c-pms.biz/
About the author:
Claire May is the owner of R & C Property Management Services
which offers full Property Management, building maintenance and
renovation services. We can care for your holiday home and for
your holiday guest. Also we can help you find a property through
our associated companies. http://r-and-c-pms.biz/property.html
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