{"id":9018,"date":"2026-06-22T01:18:11","date_gmt":"2026-06-21T23:18:11","guid":{"rendered":"https:\/\/pachounotary.gr\/buying-property-greece-guide\/"},"modified":"2026-07-03T00:41:17","modified_gmt":"2026-07-02T22:41:17","slug":"buying-property-greece-guide","status":"publish","type":"post","link":"https:\/\/pachounotary.gr\/en\/buying-property-greece-guide\/","title":{"rendered":"Buying Real Estate in Greece: A Guide for Foreign Residents"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9018\" class=\"elementor elementor-9018 elementor-8686\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a3a543 e-flex e-con-boxed e-con e-parent\" data-id=\"1a3a543\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acfbba8 elementor-widget elementor-widget-html\" data-id=\"acfbba8\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"custom-elementor-article\"\n     data-article-id=\"subpillar-buying-property-greece-en-001\"\n     data-lang=\"en\"\n     data-master-id=\"pillar-athens-global\"\n     data-version=\"1.0.0\">\n\n    <meta property=\"article:published_time\" content=\"2026-06-21T10:00:00+03:00\" \/>\n    <meta property=\"article:modified_time\" content=\"2026-06-21T10:00:00+03:00\" \/>\n\n\n    <style>\n        .custom-elementor-article {\n            --primary-color: #7B3F3F;\n            --primary-dark: #5C2E2E;\n            --accent-color: #C9A962;\n            --accent-hover: #b08d45;\n            --color-success-bg: #f6fff9;\n            --color-success-border: #4caf50;\n            --color-info-bg: #f9fbfd;\n            --color-info-border: #7B3F3F;\n            --color-warning-bg: #fffcf5;\n            --text-dark: #1a1a1a;\n            --text-medium: #333333;\n            --text-white: #ffffff;\n            --text-muted: #666666;\n            --border-color: #e0e0e0;\n            --border-color-light: #eee;\n            --bg-light: #ffffff;\n            --bg-subtle: #fdfbfb;\n            --bg-hover: #fcfcfc;\n            --soft-shadow: 0 4px 20px rgba(0,0,0,0.05);\n            --strong-shadow: 0 10px 30px rgba(0,0,0,0.08);\n            font-family: system-ui, -apple-system, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial, sans-serif;\n            line-height: 1.7;\n            color: var(--text-medium);\n            background: var(--bg-light);\n            width: 100%;\n            box-sizing: border-box;\n            margin: 0 auto;\n            padding-left: 20px;\n            padding-right: 20px;\n        }\n        .custom-elementor-article * { box-sizing: border-box; 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display: none; z-index: 999998; opacity: 0; transition: opacity 0.3s; }\n        .custom-elementor-article .mobile-nav-overlay.visible { opacity: 1; }\n        .custom-elementor-article .mobile-nav-drawer { position: fixed; top: 0; left: -280px; width: 280px; height: 100%; background: white; z-index: 999999; transition: left 0.3s; box-shadow: 2px 0 10px rgba(0,0,0,0.1); overflow-y: auto; padding: 60px 20px 20px; }\n        .custom-elementor-article .mobile-nav-drawer.active { left: 0; }\n        @media (max-width: 1023px) {\n            .custom-elementor-article .mobile-hamburger-btn { display: flex; }\n            .custom-elementor-article .hero-title { font-size: 26px; }\n            .custom-elementor-article .page-wrapper { flex-direction: column; gap: 30px; padding: 30px 20px; }\n            .custom-elementor-article .author-grid-2col { grid-template-columns: 1fr; }\n        }\n        @media (prefers-reduced-motion: reduce) {\n            .custom-elementor-article .cta-phone-icon,\n            .custom-elementor-article .cta-section::before { animation: none; }\n        }\n    <\/style>\n\n    <div class=\"reading-progress-container\">\n        <div class=\"reading-progress-bar\" id=\"myBar\"><\/div>\n    <\/div>\n\n    <button class=\"mobile-hamburger-btn\" aria-label=\"Menu\" type=\"button\">\n        <span><\/span><span><\/span><span><\/span>\n    <\/button>\n    <div class=\"mobile-nav-overlay\" aria-hidden=\"true\"><\/div>\n    <div class=\"mobile-nav-drawer\">\n        <h3 style=\"margin-top:0;color:var(--primary-color);font-size:18px;border-bottom:2px solid var(--border-color);padding-bottom:10px;margin-bottom:15px;\">Contents<\/h3>\n        <ul class=\"nav-list\">\n            <li><a href=\"#intro\"       onclick=\"closeMobileDrawer()\">Introduction<\/a><\/li>\n            <li><a href=\"#proypotheseis\" onclick=\"closeMobileDrawer()\">1. What You'll Need<\/a><\/li>\n            <li><a href=\"#vimata\"      onclick=\"closeMobileDrawer()\">2. The 5 Steps<\/a><\/li>\n            <li><a href=\"#plirexousio\" onclick=\"closeMobileDrawer()\">3. The Power of Attorney<\/a><\/li>\n            <li><a href=\"#symbolo\"     onclick=\"closeMobileDrawer()\">4. Notary &amp; Lawyer<\/a><\/li>\n            <li><a href=\"#faq\"         onclick=\"closeMobileDrawer()\">FAQs<\/a><\/li>\n        <\/ul>\n    <\/div>\n\n    <header class=\"hero-section\">\n        <div class=\"hero-container\">\n            <h1 class=\"hero-title\">Buying Property in Greece as a Non-Resident<\/h1>\n            <p class=\"hero-subtitle\">The 5 steps from tax number to signed contract \u2014 at a glance<\/p>\n            <div class=\"hero-author-mini\">\n                <img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/pachounotary.gr\/wp-content\/uploads\/2025\/11\/Christina-Pachou-author.jpg\" alt=\"Christina Pachou\" class=\"author-avatar-small\" width=\"55\" height=\"55\" fetchpriority=\"high\" title=\"\">\n                <div class=\"hero-meta-text\">\n                    <span class=\"author-name\" style=\"text-align:center;\"><strong><a href=\"https:\/\/pachounotary.gr\">Christina G. Pachou<\/a><\/strong>, Notary Public<\/span>\n                    <span class=\"meta-date\" id=\"article-dates\"><noscript>June 2026 \u2022 4' read<\/noscript><\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"social-share-wrapper\">\n                <span class=\"share-label\">Share this article:<\/span>\n                <div class=\"social-share\">\n                    <button class=\"share-btn share-linkedin\" data-platform=\"linkedin\" aria-label=\"Share on LinkedIn\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M19 3H5c-1.1 0-2 .9-2 2v14c0 1.1.9 2 2 2h14c1.1 0 2-.9 2-2V5c0-1.1-.9-2-2-2zM8.5 19H5.5V10h3v9zM7 8.5c-.83 0-1.5-.67-1.5-1.5S6.17 5.5 7 5.5s1.5.67 1.5 1.5S7.83 8.5 7 8.5zm11.5 10.5h-3v-4.5c0-1.07-.02-2.45-1.5-2.45-1.5 0-1.73 1.17-1.73 2.37V19h-3V10h2.88v1.23h.04c.4-.76 1.38-1.56 2.84-1.56 3.04 0 3.6 2 3.6 4.6V19z\"\/><\/svg><\/button>\n                    <button class=\"share-btn share-facebook\" 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2.006-1.413.248-.694.248-1.289.173-1.413-.074-.124-.272-.198-.57-.347m-5.421 7.403h-.004a9.87 9.87 0 01-5.031-1.378l-.361-.214-3.741.982.998-3.648-.235-.374a9.86 9.86 0 01-1.51-5.26c.001-5.45 4.436-9.884 9.888-9.884 2.64 0 5.122 1.03 6.988 2.898a9.825 9.825 0 012.893 6.994c-.003 5.45-4.437 9.884-9.885 9.884m8.413-18.297A11.815 11.815 0 0012.05 0C5.495 0 .16 5.335.157 11.892c0 2.096.547 4.142 1.588 5.945L.057 24l6.305-1.654a11.882 11.882 0 005.683 1.448h.005c6.554 0 11.89-5.335 11.893-11.893a11.821 11.821 0 00-3.48-8.413z\"\/><\/svg><\/button>\n                    <button class=\"share-btn share-viber\" data-platform=\"viber\" aria-label=\"Share on Viber\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M20.013 3.987C17.91 1.8 15.05 1 12 1 5.925 1 1 5.925 1 12c0 1.875.487 3.637 1.338 5.175L1 23l5.988-1.313A11.04 11.04 0 0012 23c6.075 0 11-4.925 11-11 0-3.05-.8-5.91-2.987-8.013zM12 21c-1.688 0-3.263-.45-4.625-1.238l-.325-.188-3.45.9.925-3.362-.2-.338A9 9 0 013 12c0-4.963 4.037-9 9-9s9 4.037 9 9-4.037 9-9 9zm4.95-6.637c-.263-.138-1.588-.788-1.838-.875-.25-.088-.425-.138-.6.138-.175.263-.7.875-.85 1.05-.15.175-.313.2-.575.063-.263-.138-1.125-.413-2.138-1.313-.788-.7-1.325-1.575-1.475-1.838-.163-.263-.013-.4.113-.538.113-.113.263-.3.388-.45.125-.15.163-.263.25-.438.088-.175.038-.325-.025-.463-.063-.138-.6-1.45-.825-1.988-.213-.513-.438-.438-.6-.45h-.513c-.175 0-.45.063-.688.325-.238.263-.9.875-.9 2.138 0 1.25.925 2.462 1.05 2.637.125.175 1.813 2.775 4.388 3.888.613.263 1.088.425 1.463.538.613.2 1.175.175 1.613.1.488-.075 1.513-.613 1.725-1.213.213-.6.213-1.1.15-1.213-.063-.1-.238-.163-.5-.3z\"\/><\/svg><\/button>\n                    <button class=\"share-btn share-generic\" data-platform=\"generic\" aria-label=\"Share\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M18 16.08c-.76 0-1.44.3-1.96.77L8.91 12.7c.05-.23.09-.46.09-.7s-.04-.47-.09-.7l7.05-4.11c.54.5 1.25.81 2.04.81 1.66 0 3-1.34 3-3s-1.34-3-3-3-3 1.34-3 3c0 .24.04.47.09.7L8.04 9.81C7.5 9.31 6.79 9 6 9c-1.66 0-3 1.34-3 3s1.34 3 3 3c.79 0 1.5-.31 2.04-.81l7.12 4.16c-.05.21-.08.43-.08.65 0 1.61 1.31 2.92 2.92 2.92 1.61 0 2.92-1.31 2.92-2.92s-1.31-2.92-2.92-2.92z\"\/><\/svg><\/button>\n                    <button type=\"button\" class=\"share-overflow-indicator\" aria-expanded=\"false\" aria-label=\"More sharing options\" title=\"More sharing options\"><svg viewBox=\"0 0 24 24\" width=\"14\" height=\"14\" aria-hidden=\"true\"><circle cx=\"5\" cy=\"12\" r=\"2\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><circle cx=\"19\" cy=\"12\" r=\"2\"\/><\/svg><\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/header>\n\n    <div class=\"page-wrapper\">\n        <aside class=\"sidebar\">\n            <div class=\"nav-card\">\n                <div class=\"nav-header\">Guide Navigation<\/div>\n                <ul class=\"nav-list\">\n                    <li><a href=\"#intro\"         class=\"nav-link\">Introduction<\/a><\/li>\n                    <li><a href=\"#proypotheseis\" class=\"nav-link\">1. What You'll Need<\/a><\/li>\n                    <li><a href=\"#vimata\"        class=\"nav-link\">2. The 5 Steps<\/a><\/li>\n                    <li><a href=\"#plirexousio\"   class=\"nav-link\">3. The Power of Attorney<\/a><\/li>\n                    <li><a href=\"#symbolo\"       class=\"nav-link\">4. Notary &amp; Lawyer<\/a><\/li>\n                    <li><a href=\"#faq\"           class=\"nav-link\">FAQs<\/a><\/li>\n                <\/ul>\n            <\/div>\n        <\/aside>\n\n        <main class=\"main-content\">\n\n            <section id=\"intro\">\n                <div class=\"guide-summary-box\">\n                    <div class=\"guide-summary-title\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"#7B3F3F\" style=\"margin-right:10px;flex-shrink:0;\"><path d=\"M18 2H6c-1.1 0-2 .9-2 2v16c0 1.1.9 2 2 2h12c1.1 0 2-.9 2-2V4c0-1.1-.9-2-2-2zM6 4h5v8l-2.5-1.5L6 12V4z\"\/><\/svg>\n                        At a Glance\n                    <\/div>\n                    <ul class=\"guide-summary-list\">\n                        <li><a href=\"#proypotheseis\">Which documents you'll need before signing.<\/a><\/li>\n                        <li><a href=\"#vimata\">The 5 steps of the purchase \u2014 from tax number to signed contract.<\/a><\/li>\n                        <li><a href=\"#plirexousio\">When you need a power of attorney, and what it must say.<\/a><\/li>\n                        <li><a href=\"#symbolo\">What the notary does, and what your lawyer does.<\/a><\/li>\n                        <li><a href=\"#faq\">Transfer tax, costs, and the Golden Visa.<\/a><\/li>\n                    <\/ul>\n                <\/div>\n\n                <p>Buying property in Greece as a non-resident doesn't start with finding a property. It starts with three things that need to be in place before you make any legal commitment: a Greek tax number, a Greek bank account, and legal representation. The order matters \u2014 skip a step, and the next one stalls.<\/p>\n\n                <p>The whole process can be completed remotely \u2014 without a single trip to Greece \u2014 provided your power of attorney is drafted correctly from the outset. For buyers based in the US, the Gulf, or Asia, that's worth underlining: being in Greece in person is a convenience here, not a legal requirement.<\/p>\n            <\/section>\n\n            <section id=\"proypotheseis\">\n                <h2>1. What You'll Need Before You Start<\/h2>\n\n                <p>Every property transfer requires three things to be in place before the notary can legally draft the deed:<\/p>\n\n                <div class=\"process-grid\">\n                    <div class=\"process-card\">\n                        <div class=\"process-number\">1<\/div>\n                        <div class=\"process-content\">\n                            <h4>Greek Tax Number (AFM)<\/h4>\n                            <p>Your AFM \u2014 the Greek equivalent of a tax identification number \u2014 must appear on the notarial deed and the transfer tax return. Without it, no contract can be drafted.<\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"process-card\">\n                        <div class=\"process-number\">2<\/div>\n                        <div class=\"process-content\">\n                            <h4>A Greek Bank Account<\/h4>\n                            <p>Both the purchase price and the transfer tax must be paid from a Greek account.<\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"process-card\">\n                        <div class=\"process-number\">3<\/div>\n                        <div class=\"process-content\">\n                            <h4>Power of Attorney or Personal Attendance<\/h4>\n                            <p>If you won't be in Greece in person, you'll need a special notarial power of attorney \u2014 not a general one, and not a simple authorisation letter. It must expressly state the property, the price, and exactly what your representative is authorised to do.<\/p>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <p class=\"swipe-hint\">\u2190 swipe for more \u2192<\/p>\n\n                <p><strong>Identification documents.<\/strong> For all of the above you'll need a valid passport (required continuously, from the AFM application through to signing), your home country's tax identification number (TIN), proof of your overseas address \u2014 requested by both the Greek tax office and the bank \u2014 and proof of income and occupation, which the bank requires as part of its AML\/<abbr title=\"Know Your Customer \u2014 the bank's process for verifying and confirming a customer's identity\">KYC<\/abbr> checks.<\/p>\n\n                <div class=\"info-box box-info\">\n                    <strong>EU citizens:<\/strong> treated identically to Greek nationals living abroad \u2014 the process is exactly the same. <strong>Non-EU citizens:<\/strong> there's no general legal restriction on buying property in Greece. The one exception is certain border regions, where prior approval from the Ministry of National Defence is required.\n                <\/div>\n            <\/section>\n\n            <section id=\"vimata\">\n                <h2>2. The 5 Steps of the Purchase<\/h2>\n\n                <p>The process follows a fixed legal sequence. No step can be reordered or skipped without creating a problem in the next one.<\/p>\n\n                <div class=\"bpf-flow-wrap bpf-desktop\" role=\"img\" aria-label=\"5-step flow: Tax number, Bank account, Legal checks, Pre-contract, Final contract.\">\n                    <svg class=\"bpf-flow\" viewBox=\"0 0 880 150\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                        <line class=\"bpf-track\" x1=\"80\" y1=\"55\" x2=\"800\" y2=\"55\"><\/line>\n                        <line class=\"bpf-progress\" x1=\"80\" y1=\"55\" x2=\"800\" y2=\"55\"><\/line>\n                        <g class=\"bpf-node\" data-i=\"1\">\n                            <circle cx=\"80\" cy=\"55\" r=\"22\"><\/circle>\n                            <text class=\"bpf-num\" x=\"80\" y=\"61\">1<\/text>\n                            <text class=\"bpf-lbl\" x=\"80\" y=\"100\">AFM<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"2\">\n                            <circle cx=\"260\" cy=\"55\" r=\"22\"><\/circle>\n                            <text class=\"bpf-num\" x=\"260\" y=\"61\">2<\/text>\n                            <text class=\"bpf-lbl\" x=\"260\" y=\"100\">Bank<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"3\">\n                            <circle cx=\"440\" cy=\"55\" r=\"22\"><\/circle>\n                            <text class=\"bpf-num\" x=\"440\" y=\"61\">3<\/text>\n                            <text class=\"bpf-lbl\" x=\"440\" y=\"100\">Checks<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"4\">\n                            <circle cx=\"620\" cy=\"55\" r=\"22\"><\/circle>\n                            <text class=\"bpf-num\" x=\"620\" y=\"61\">4<\/text>\n                            <text class=\"bpf-lbl\" x=\"620\" y=\"100\">Pre-contract<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"5\">\n                            <circle cx=\"800\" cy=\"55\" r=\"22\"><\/circle>\n                            <text class=\"bpf-num\" x=\"800\" y=\"61\">5<\/text>\n                            <text class=\"bpf-lbl\" x=\"800\" y=\"100\">Contract<\/text>\n                        <\/g>\n                    <\/svg>\n                <\/div>\n\n                <div class=\"bpf-flow-wrap bpf-mobile\" role=\"img\" aria-label=\"5-step flow: Tax number, Bank account, Legal checks, Pre-contract, Final contract.\">\n                    <svg class=\"bpf-flow bpf-compact\" viewBox=\"0 0 360 82\" preserveAspectRatio=\"xMidYMid meet\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                        <line class=\"bpf-track\" x1=\"30\" y1=\"28\" x2=\"330\" y2=\"28\"><\/line>\n                        <line class=\"bpf-progress bpf-progress-c\" x1=\"30\" y1=\"28\" x2=\"330\" y2=\"28\"><\/line>\n                        <g class=\"bpf-node\" data-i=\"1\">\n                            <circle cx=\"30\" cy=\"28\" r=\"16\"><\/circle>\n                            <text class=\"bpf-num\" x=\"30\" y=\"33\">1<\/text>\n                            <text class=\"bpf-lbl\" x=\"30\" y=\"54\">AFM<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"2\">\n                            <circle cx=\"105\" cy=\"28\" r=\"16\"><\/circle>\n                            <text class=\"bpf-num\" x=\"105\" y=\"33\">2<\/text>\n                            <text class=\"bpf-lbl\" x=\"105\" y=\"48\">Bank<\/text>\n                            <text class=\"bpf-lbl\" x=\"105\" y=\"60\">Account<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"3\">\n                            <circle cx=\"180\" cy=\"28\" r=\"16\"><\/circle>\n                            <text class=\"bpf-num\" x=\"180\" y=\"33\">3<\/text>\n                            <text class=\"bpf-lbl\" x=\"180\" y=\"48\">Legal<\/text>\n                            <text class=\"bpf-lbl\" x=\"180\" y=\"60\">Checks<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"4\">\n                            <circle cx=\"255\" cy=\"28\" r=\"16\"><\/circle>\n                            <text class=\"bpf-num\" x=\"255\" y=\"33\">4<\/text>\n                            <text class=\"bpf-lbl\" x=\"255\" y=\"54\">Pre-contract<\/text>\n                        <\/g>\n                        <g class=\"bpf-node\" data-i=\"5\">\n                            <circle cx=\"330\" cy=\"28\" r=\"16\"><\/circle>\n                            <text class=\"bpf-num\" x=\"330\" y=\"33\">5<\/text>\n                            <text class=\"bpf-lbl\" x=\"330\" y=\"54\">Contract<\/text>\n                        <\/g>\n                    <\/svg>\n                <\/div>\n\n                <div class=\"step-flow\">\n                    <div class=\"step-row\">\n                        <div class=\"step-num\">1<\/div>\n                        <div class=\"step-body\">\n                            <h4>Getting Your AFM<\/h4>\n                            <p>Issued electronically through myAADE via video identification (myAADElive), or by a representative holding a special authorisation. Takes 1\u20135 working days. <a href=\"https:\/\/pachounotary.gr\/greek-tax-number-afm-abroad\/\">Full guide to getting an AFM from abroad \u2192<\/a><\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"step-row\">\n                        <div class=\"step-num\">2<\/div>\n                        <div class=\"step-body\">\n                            <h4>Opening a Bank Account<\/h4>\n                            <p>Requires your AFM, passport, and proof of income. Can be done in person or by power of attorney carrying an express banking mandate. Without a Greek account, neither the transfer tax nor the purchase price can be paid.<\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"step-row\">\n                        <div class=\"step-num\">3<\/div>\n                        <div class=\"step-body\">\n                            <h4>Legal Due Diligence on the Property<\/h4>\n                            <p>Your lawyer checks title ownership, encumbrances, mortgages, land registry status, and any planning violations. This check is completed <em>before<\/em> you commit to anything \u2014 not run in parallel with it. <a href=\"https:\/\/pachounotary.gr\/metavivasi-akinitou-dikaiologitika\/\">Full list of required documents \u2192<\/a><\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"step-row\">\n                        <div class=\"step-num\">4<\/div>\n                        <div class=\"step-body\">\n                            <h4>Pre-Contract (Deposit)<\/h4>\n                            <p>A private or notarial agreement, typically with a 10% deposit \u2014 similar in spirit to exchanging contracts in English conveyancing, though the legal mechanics differ. The &lsquo;double the deposit&rsquo; penalty isn't automatic. It only applies if the pre-contract expressly names the sum as an <em>arrabonas<\/em> (a Greek civil-law deposit-with-penalty): the buyer who withdraws forfeits it, and the seller who withdraws must return double (Article 403 of the Greek Civil Code). This is a default rule, not a mandatory one \u2014 the parties can agree otherwise. Without that explicit wording, the sum is treated as a plain deposit, with no penalty attached.<\/p>\n                            <p style=\"font-size:13px;color:#999;margin-top:-8px;\">Article 402 of the Greek Civil Code: &ldquo;If a deposit was given when the contract was concluded, and nothing else was agreed, it is deemed to have been given to cover damages arising from non-performance of the contract.&rdquo; \u2014 Article 403: &ldquo;The party at fault for non-performance forfeits the deposit given, or returns double the deposit received.&rdquo;<\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"step-row\">\n                        <div class=\"step-num\">5<\/div>\n                        <div class=\"step-body\">\n                            <h4>The Purchase Contract<\/h4>\n                            <p>The notary drafts the deed once every certificate has been checked. Transfer tax \u2014 3% of the taxable value, plus a 3% municipal surcharge on that tax, for an effective rate of 3.09% (broadly comparable to stamp duty or a real estate transfer tax elsewhere) \u2014 is calculated and filed electronically by the notary, and you pay it before signing. Registering the deed at the Land Registry completes the transfer of ownership.<\/p>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/section>\n\n            <section id=\"plirexousio\">\n                <h2>3. The Role of the Power of Attorney<\/h2>\n\n                <p>Buying property in Greece requires a <a href=\"https:\/\/pachounotary.gr\/plireksousio-eksoterikou\/\">special notarial power of attorney<\/a> \u2014 not a general authorisation, and not a generic &lsquo;power of attorney&rsquo; drafted to your home country's standard template. The distinction isn't a formality: a general authorisation simply isn't accepted for transactions involving real property rights. A power of attorney that falls short of the legal requirements gets sent back \u2014 and the deal stalls while it's redone.<\/p>\n\n                <p>A properly drafted power of attorney can cover three acts at once: obtaining your AFM, opening your bank account, and signing the purchase contract. For that to work, the mandate for each one has to be spelled out explicitly and separately \u2014 a single vague clause covering 'all necessary acts' won't do.<\/p>\n\n                <div class=\"info-box box-success\">\n                    <div style=\"display:flex;align-items:center;margin-bottom:8px;\">\n                        <svg style=\"width:26px;height:26px;fill:#2e7d32;margin-right:10px;flex-shrink:0;\" viewBox=\"0 0 24 24\"><path d=\"M14 2H6c-1.1 0-1.99.9-1.99 2L4 20c0 1.1.89 2 1.99 2H18c1.1 0 2-.9 2-2V8l-6-6zm2 16H8v-2h8v2zm0-4H8v-2h8v2zm-3-5V3.5L18.5 9H13z\"\/><\/svg>\n                        <h3 style=\"margin:0;color:#1b5e20;\">What the Power of Attorney Must Include<\/h3>\n                    <\/div>\n                    <ul class=\"check-list green\" style=\"margin-top:10px;\">\n                        <li>An express, separate mandate for each act: obtaining the AFM, opening the bank account, and signing the sale contract.<\/li>\n                        <li>Your full details: name, passport number, home-country TIN, and address.<\/li>\n                        <li>A complete description of the property: exact address, KAEK (the land registry parcel number), and price range. Vague references aren't accepted.<\/li>\n                        <li>Your representative's details: name, AFM, and address.<\/li>\n                    <\/ul>\n                <\/div>\n\n                <p>Our office drafts the <strong>power of attorney<\/strong> and sends it electronically to the Greek Consulate or a local notary in your country of residence. You sign it there \u2014 no trip to Greece required. <a href=\"https:\/\/pachounotary.gr\/greek-tax-number-bank-account-abroad\/\">AFM, Taxisnet credentials, and powers of attorney: full guide \u2192<\/a><\/p>\n            <\/section>\n\n            <section id=\"symbolo\">\n                <h2>4. The Role of the Notary and the Lawyer<\/h2>\n\n                <p>In many countries, a single professional handles the whole transaction. In Greece, the roles are split: your lawyer protects your interests as the buyer, while the notary guarantees the legality of the transaction on behalf of the state. Worth noting for readers from common-law countries: a Greek notary (<em>symvolaiografos<\/em>) is a fully qualified legal professional under civil law \u2014 closer to a notary in France or Germany than to a US or UK &lsquo;notary public&rsquo;, whose role is typically limited to witnessing signatures.<\/p>\n\n                <div class=\"process-grid\">\n                    <div class=\"process-card\">\n                        <div class=\"process-number step\">A<\/div>\n                        <div class=\"process-content\">\n                            <h4>The Lawyer<\/h4>\n                            <p>Represents you as the buyer and checks the property's legal status: title ownership, encumbrances, mortgages, land registry entries, and planning violations. Negotiates terms on your behalf. Does not draft the contract.<\/p>\n                        <\/div>\n                    <\/div>\n                    <div class=\"process-card\">\n                        <div class=\"process-number step\">B<\/div>\n                        <div class=\"process-content\">\n                            <h4>The Notary<\/h4>\n                            <p>Drafts and certifies the final purchase contract. Verifies the seller's tax clearance, social security clearance, and the full set of required certificates. Registers the deed at the Land Registry. Acts as an <em>impartial public official<\/em> \u2014 representing neither party.<\/p>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <p class=\"swipe-hint\">\u2190 swipe for more \u2192<\/p>\n            <\/section>\n\n            <section id=\"faq\">\n                <h2>5. Frequently Asked Questions<\/h2>\n\n                <div class=\"faq-item\">\n                    <button class=\"faq-question\" tabindex=\"0\" aria-expanded=\"false\">\n                        Can a foreign national or member of the Greek diaspora buy property in Greece without travelling there?\n                        <span class=\"icon-plus\"><\/span>\n                    <\/button>\n                    <div class=\"faq-answer\">\n                        <p>Yes. With a special notarial power of attorney, your representative signs the contract on your behalf. The power of attorney is signed before a Greek Consulate or a foreign notary with an Apostille. We recommend the draft be prepared by a Greek notary, so the wording is accepted without surprises.<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"faq-item\">\n                    <button class=\"faq-question\" tabindex=\"0\" aria-expanded=\"false\">\n                        What is the property transfer tax, and how is it calculated?\n                        <span class=\"icon-plus\"><\/span>\n                    <\/button>\n                    <div class=\"faq-answer\">\n                        <p>The Property Transfer Tax (&#934;&#924;&#913;) is 3% of the taxable value \u2014 the higher of the property's assessed &lsquo;objective&rsquo; value and the actual purchase price. A further 3% municipal surcharge is added on top of that tax, bringing the effective rate to 3.09%. The return is filed electronically by the notary, and you pay before signing. Without proof of payment, the deed cannot be drafted.<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"faq-item\">\n                    <button class=\"faq-question\" tabindex=\"0\" aria-expanded=\"false\">\n                        What is the Golden Visa, and how does it connect to buying property?\n                        <span class=\"icon-plus\"><\/span>\n                    <\/button>\n                    <div class=\"faq-answer\">\n                        <p>The Golden Visa is a residence permit granted to non-EU citizens who acquire property worth at least &euro;400,000 (&euro;800,000 in Attica, Thessaloniki, and other high-demand areas). The older &euro;250,000 threshold still applies, but only to specific categories \u2014 listed buildings under restoration, or properties undergoing a change of use. The application is filed with the Immigration Department of the Ministry of Migration and requires an AFM, a Greek bank account, and a finalised purchase contract. Buying the property and applying for the Golden Visa are two separate processes, carried out one after the other \u2014 not simultaneously. <a href=\"https:\/\/pachounotary.gr\/golden-visa-allagi-xrisis\/\">Full guide to the Golden Visa \u2192<\/a><\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"faq-item\">\n                    <button class=\"faq-question\" tabindex=\"0\" aria-expanded=\"false\">\n                        Do I need a lawyer? Is it mandatory?\n                        <span class=\"icon-plus\"><\/span>\n                    <\/button>\n                    <div class=\"faq-answer\">\n                        <p>It's not a legal requirement, but it's a practical necessity. Title due diligence uncovers encumbrances, mortgages, and unauthorised structures that don't appear in the sale agreement and aren't checked by the notary. A foreign buyer who skips this step becomes legally bound without knowing the property's real condition.<\/p>\n                    <\/div>\n                <\/div>\n\n                <div class=\"faq-item\">\n                    <button class=\"faq-question\" tabindex=\"0\" aria-expanded=\"false\">\n                        How long does the whole purchase take?\n                        <span class=\"icon-plus\"><\/span>\n                    <\/button>\n                    <div class=\"faq-answer\">\n                        <p>From getting your AFM to signing the contract: 4\u20138 weeks, provided your documents are complete from the start. The biggest delay usually comes from legal due diligence (1\u20132 weeks) and the tax office issuing the seller's tax clearance certificate. A Golden Visa case adds a further 2\u20134 months for the residence permit itself.<\/p>\n                    <\/div>\n                <\/div>\n            <\/section>\n\n            <div class=\"cta-section\">\n                <h3>Every case is different. Let's talk about yours.<\/h3>\n                <p>We handle the drafting of your special power of attorney, coordination with consular authorities, and the full legal processing of the transfer \u2014 from your first instruction through to registration at the Land Registry. Initial contact carries no obligation.<\/p>\n                <div class=\"cta-buttons-row\">\n                    <a href=\"tel:+302103003929\" class=\"cta-button\">\n                        <svg class=\"cta-phone-icon\" viewBox=\"0 0 24 24\"><path fill=\"currentColor\" d=\"M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.67-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z\"\/><\/svg>\n                        Get in Touch\n                    <\/a>\n                    <a href=\"#\" data-cta-mail class=\"cta-button cta-button--outline\" aria-label=\"Email us\">\n                        <svg viewBox=\"0 0 24 24\" width=\"22\" height=\"22\" fill=\"currentColor\"><path d=\"M20 4H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h16c1.1 0 2-.9 2-2V6c0-1.1-.9-2-2-2zm0 4l-8 5-8-5V6l8 5 8-5v2z\"\/><\/svg>\n                        Email Us\n                    <\/a>\n                <\/div>\n            <\/div>\n\n            <div class=\"author-box\" data-authors=\"single\">\n                <div class=\"author-grid-2col\">\n                    <div class=\"author-col\">\n                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/pachounotary.gr\/wp-content\/uploads\/2025\/11\/Christina-Pachou-author.jpg\" alt=\"Christina G. Pachou\" class=\"author-avatar-large\" width=\"110\" height=\"110\" loading=\"lazy\" title=\"\">\n                        <h4>Christina G. Pachou<\/h4>\n                        <p class=\"author-role\">Notary Public<\/p>\n                        <p class=\"author-bio\">Specialises in property transfers for members of the Greek diaspora as well as foreign buyers, Golden Visa cases, and powers of attorney executed abroad. Coordinates with consular authorities and international legal representatives at every stage of the transaction.<\/p>\n                        <div class=\"author-credentials\">\u2605 PROPERTY DEEDS<\/div>\n                    <\/div>\n                    <div class=\"author-col\">\n                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/pachounotary.gr\/wp-content\/uploads\/2025\/12\/elias_logo.webp\" alt=\"Ilias P. Poulakos\" class=\"author-avatar-large\" width=\"110\" height=\"110\" loading=\"lazy\" title=\"\">\n                        <h4>Ilias P. Poulakos<\/h4>\n                        <p class=\"author-role\">Lawyer, LL.M.<\/p>\n                        <p class=\"author-bio\">Specialises in real estate law, title due diligence, and safeguarding the interests of overseas buyers. Provides legal protection for the buyer at every stage, from title checks through to signing.<\/p>\n                        <div class=\"author-credentials\">\u2605 REAL ESTATE LAW<\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"legal-disclaimer-box\">\n                <span class=\"disclaimer-title\">Legal Notice &amp; Disclaimer:<\/span>\n                This article is for informational purposes only and does not constitute legal advice. Laws and regulations may change. For the correct and secure handling of your own case, we strongly recommend getting in touch and obtaining personalised advice. Copyright belongs exclusively to pachounotary.gr. 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What You&#8217;ll Need 2. The 5 Steps 3. The Power of Attorney 4. Notary &amp; Lawyer FAQs Buying Property in Greece as a Non-Resident The 5 steps from tax number to signed contract \u2014 at a glance Christina G. Pachou, Notary Public June 2026 \u2022 4&#8242; read Share this article: Guide Navigation [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6818,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"iawp_total_views":6,"two_page_speed":[],"footnotes":""},"categories":[492],"tags":[513,511,510,512,224],"class_list":["post-9018","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-buying-a-house","tag-dispersion","tag-greek-expatriates","tag-purchases-and-sales","tag-residents-abroad"],"_links":{"self":[{"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/posts\/9018","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/comments?post=9018"}],"version-history":[{"count":4,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/posts\/9018\/revisions"}],"predecessor-version":[{"id":9025,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/posts\/9018\/revisions\/9025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/media\/6818"}],"wp:attachment":[{"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/media?parent=9018"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/categories?post=9018"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pachounotary.gr\/en\/wp-json\/wp\/v2\/tags?post=9018"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}