How much does it cost to sell a house? How much does it cost to buy a house in Chania, Crete? What in general are the costs of buying or selling a property? The average across the country seems to be around 2 – 3.5% of the property, meaning on the sale of a €1 million property, the agent’s fee will be €20,000 to €25,000.
Table of Contents
Property Buyers Expenses
| TYPE | COST |
|---|---|
| Notary Fees (all notary expenses included) | 1 – 1,5% (plus VAT) of property value |
| Transfer Tax | 3% of property value |
| Municipal Tax | 3% of the Transfer Tax |
| Land Registry Fee | 0,5% |
| Cadastre Fee | 0,65% (plus VAT) of property value |
| Legal & Technical Due Diligence | Expenses vary according to the complexity of the research and the value of the property |
| Technical Due Diligence | Varies with respect to the property aspects |
The additional real estate expenses of buying a property in Chania (Greece) are on average approximately 10% of the property purchase price. The real estate expenses will include:
1. The Property Purchase Price
As agreed between the buyer and the vendor.
With off-plan properties, property buyers normally pay a deposit to the builder and then a series of stage payments.
2. Tax
Transfer tax is similar to Stamp Duty Land Tax in the United Kingdom. This is charged at 3% of the purchase price.
Property Ownership Tax
Special Tax on Real Estate Property is abolished. An annual tax on possession of substantial real estate property is imposed on an individual level on the following scale:
| Property Value (€) | Tax Factor (%) |
|---|---|
| Up to 400.000 | 0 |
| 400.001 – 500.000 | 0.1 |
| 500.001 – 600.000 | 0.3 |
| 600.001 – 700.000 | 0.6 |
| 700.001- 800.000 | 0.9 |
| 800.001 and above | 1 |
3. Legal Fees
Lawyer’s fees are charged as a percentage of the purchase price. Fees typically total around 1% -1.5% of the purchase price. There may be an additional cost if a Power of Attorney is required. Your lawyer will advise you of their fees.
4. Notary Fees
The charges involve a standard fee of 200 euros plus 0.8% of the purchase price up to 120.000 euro property sale cost (plus VAT) and it scales accordingly for the rest of the purchase price. This fee is decreased as the amount of purchase price is increased. There are usually some small additional charges in relation to the number of pages in the document to be signed and how many copies of the contract shall be issued.
5. Land Registry Fees
The payable fee is dependent on the assessed tax value of the property and ranges from 0.45% to 0.5% of the property value. There may be minor additional fees for stamp duties and certificates.
6. Estate Agents’ Fees
The estate agent’s fees are paid by the seller. The charge is 2%-3% of the sale price.
Additional Property Buyers Expenses Info
- All costs are calculated using the highest value between the Contract Value and the Assessed Tax Value.
- The Assessed Tax Value is determined by the Greek Ministry of Finance.
Properties in Greece belong either to the Land Registry or to the Cadastre. - The registration of a property to the Land Registry has a 0,45% (plus VAT) rate, while the registration to the Cadastre has a 0,65% (plus VAT) rate.
Seller’s Expenses – Costs
1. Lawyer Charges
Lawyer’s charge for attending on the day of the final contract. The presence of a lawyer during the drafting and signing of the contract is not obligatory for the seller. However, the lawyer’s participation is suggested for the legal protection and advice of both parties.
2. Notary Charges
Fees may be payable upon agreement between both parties involved, seller and buyer.
3. Real Estate Agent Charges
Realtor’s commission fee of 2%-3% of the property selling price plus Additional Value Tax (VAT)
DISCOVER MORE AT ARENCORES: COSTS OF BUYING & SELLING A PROPERTY IN CHANIA
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