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Purchase costs come first. Across different markets, the costs can include transfer tax or stamp duty, notary fees, land registry charges, the cost of legal advice and the agent's commission. As a working assumption, budget a noticeable share above the purchase price, and verify the actual local figures.

Yearly taxes on the property apply every year afterwards. The rates differ enormously, and a number of markets charge higher rates to non-residents. Where the buy property in gazimagusa sits empty most of the time, greece real estate vacancy taxes may apply.

Service charges are often overlooked. A flat in a development with a swimming pool, an elevator and round-the-clock security generates regular fees that keep coming regardless of occupancy. Request recent accounts from the management company before you commit, and look for scheduled repairs.

Remote ownership creates costs that local owners never see. Someone needs to be available for emergencies, receive correspondence from the authorities, and arrange the work of contractors. A management company typically charges a share of rental income, and doing without it often becomes expensive in a different way.

Insurance, utilities and eventual selling costs finish the budget. Capital gains tax can apply even to a non-resident owner, and the resident rate is not always the one that applies. A sensible test is to build a five-year running-cost estimate at the offer stage — the total generally lands above the initial estimate.