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Compare ownership rules

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FactCroatiaGreece

foreigners can buyForeign ownership is conditional: EU/EEA/Swiss rules differ from third-country reciprocity and consent rules.Foreigners can generally acquire Greek real estate; special geographic restrictions require separate review. Designated frontier areas may require an additional permission process.

land allowedLand ownership is not one universal rule; agricultural, forest, protected and maritime categories are separate.Land acquisition is conditional: ordinary title, planning and registration rules apply, and designated frontier areas may require the separate permission process.

typical total buying costUnder review — no verified valueUnder review — no verified value

annual property taxAnnual real-estate tax is €0.60–€8.00 per m² of useful area, set by municipality/city; statutory exemptions include permanent housing and qualifying long-term leases.ENFIA is an annual, formula-based property tax; non-residents report property through E9 and are assessed under the applicable rules.

rental income tax nonresidentUnder review — no verified valueGreek-source property income of non-residents follows the current property-income framework subject to applicable tax-classification and treaty rules; the 2026 bands are progressive, not a flat rate.

short term rental allowedShort-term tourist rental is conditional: apartment buildings require the statutory consent layer in addition to tourism authorisation.Short-term rental is permitted under a registration, declaration and tax framework, but the current Golden Visa Circular restricts sharing-economy short-term letting of qualifying permit properties; this does not prohibit Greek STR generally or long-term rental. The Golden Visa restriction is attached to the qualifying investor property and includes a stated transitional carve-out. Do not infer penalty amounts; the Circular supports non-renewal/revocation and administrative sanctions.

property based residency availableProperty may be evidence for a temporary-stay purpose, but it is not a standalone investment-residence route.Greece has an investor residence-permit route connected to qualifying property investment.

minimum property investmentNo property-investment threshold is used for a Croatian Golden Visa because no such route is published.Current Golden Visa thresholds are €800,000 in the listed high-threshold areas and islands, €400,000 elsewhere, with separate €250,000 change-of-use and listed-building routes subject to their own conditions. The €400,000/€800,000 route concerns one property. The 120 m² test applies to main spaces of built/building-permit property; auxiliary spaces do not count toward 120 m² but may count toward investment value when purchased in the same contract/building. Unbuilt property does not use the 120 m² test. The €250,000 routes are not a general residential-purchase shortcut. For the change-of-use route, completion must be after 05.04.2024 and before the application; buyer or seller may complete it. For the listed-building route, full restoration/reconstruction is required before first renewal where applicable.

mortgages for nonresidentsUnder review — no verified valueNon-resident mortgages exist as bank-specific products; availability and terms are not a national rule.

typical max ltvUnder review — no verified valueUnder review — no verified value

capital gains taxA 25% real-estate income tax can apply to qualifying private disposals within three years; it is not a universal rate for every seller or business.Individual capital-gains taxation on transfers of immovable property is currently suspended through 31 December 2026; the underlying framework is preserved and the 15% rate is not current while suspended.

inheritance taxThe 4% inheritance/gift tax applies to qualifying cash, securities and movables; inherited real estate is treated under RETT, with exemptions.Inheritance tax applies; the rate and exemptions depend on the beneficiary relationship, value and current Property Tax Code rules.

typical transaction timeUnder review — no verified valueUnder review — no verified value

Verification note Each value is drawn from the same Country Passport service used by country and location pages. Conditional or missing values are not reduced to a score.