FAQs

Yes—but only after confirming the plot's eligibility and buildability, lawful access, and any restrictions (forest classification, archaeology, Natura areas, streams). A technical due diligence review before signing the purchase deed is essential.

Typically, you need an engineer (building checks, studies/design, permit), a notary (purchase deed), and often a lawyer (title due diligence). For tax matters, it is also practical to work with an accountant.

Buying a plot without "locking in" access (public road/easement) or without properly verifying boundaries and buildability—something that can block the building permit later.

From 1/1/2026, introducing an intermediate 25% bracket for rental income between €12,001–€24,000, reducing the sharp jump to a higher rate.

Tax changes indirectly affect a property's performance (e.g., rental taxation, holding costs). Golden Visa itself follows a separate framework with specific use restrictions (e.g., short-term rental limits).

When the VAT suspension applies, the buyer does not pay 24% VAT on a new build purchase and the transaction is usually subject to transfer tax instead—potentially reducing the total acquisition cost significantly (depending on the case).

Often, total transaction costs (transfer tax, notary, cadastre, etc.) are around 5–6%, and increase if a broker is involved or if there is broader legal support.

In most "classic" purchases of resale properties, yes. In special cases (e.g., a new build with VAT), the applicable regime can differ.

Not always legally mandatory, but very important when the purchase involves land, complex titles, special terms, or when the buyer is based abroad.

Yes, but banks often request more supporting documents and may offer a lower financing percentage compared to Greek residents.

Fixed offers payment security, while variable may start lower but is affected by Euribor volatility. The right choice depends on how much risk you can tolerate.

Usually the bank lends based on the property's appraised value by a certified valuer/engineer. If the appraisal comes in below the purchase price, you cover the gap with your own funds.

In most cases it is required for property sales and new residential leases, as well as for new builds/major renovations.

Up to 10 years, unless a significant energy upgrade or changes make a new issuance essentially necessary.

Envelope quality (insulation, windows/frames), heating/cooling systems, and correct design for shading/ventilation.

Building from scratch provides control and energy performance, while renovation can make sense when the location is unique or the existing building has value/character. The decision depends on technical inspection and budget.

A model where you use a ready-made concept (layout/specs) to reduce time and risk, while keeping the option to customize the elements that matter most to you.

Correct technical specifications, quality control at key "closures" (insulation/MEP), and steady supervision with a clear schedule.

Golden Visa properties have restrictions on short-term rentals and subleasing. The program's goal is primarily residence through investment, not STR exploitation.

No. The minimum investment thresholds apply to one property.

Yes—through specific categories such as change of use (e.g., commercial to residential) with conditions and proper completion before applying.

Yes, as long as the investment is structured correctly: land purchase, permit in the investor's name, construction contracts, and full documentation of costs/works.

Plot due diligence, full design, permitting, construction, supervision, and compliance support (invoices/supporting documents/technical file).

Process security (legal/technical), transparent costing, and the end product: privacy, views, well-designed outdoor spaces, and low maintenance.