One of the most common questions I get from investors is:
“Mert, what are the extra costs for a Greece Golden Visa? What other expenses come up after buying the apartment?”
In this article, I’ll walk you step by step through the extra costs you’ll face after purchasing a property when obtaining a Greece Golden Visa through real estate.
I’ve based the figures entirely on my own experience and average values from the field.
Let’s get started!
➤ Two Main Cost Categories
After purchasing the apartment, you’ll face two main cost categories:
Title deed costs
Golden Visa application costs
Let me explain each one in detail.
➤ Title Deed Costs
After buying a property in Greece, you pay an average title deed cost of 6.37%.
This rate includes notary, legal, title deed, and tax expenses.
I’ve done a sample calculation below based on a 250,000 EUR apartment 👇
| Cost Type | Rate | Amount (on 250,000 EUR) |
| Property Transfer Tax | 3,09% | 7.725 € |
| Lawyer Fee | 1,24% | 3.100 € |
| Notary Fee | 1,24% | 3.100 € |
| Title Registration Fee | 0,80% | 2.000 € |
| Total | 6,37% | 15.925 € |
In short, when you buy a 250,000 EUR apartment, you’ll need to pay approximately 15,925 EUR in additional costs at the notary.
➤ Golden Visa Application Costs
Your second cost category is the Golden Visa application fees.
This amount depends entirely on how many people are included in the application and their age groups.
Below, I’ve provided average and current figures based on my own experience.
We’ll look at this under three main headings:
- Lawyer Fees
- Government Fees
- Health Insurance
🔹 Lawyer Fees (including 24% VAT)
| Applicant | Fee (VAT included) |
| Main Applicant | 2.250 € |
| Spouse | 1.250 € |
| Child/Parent under 21 | 1.250 € |
🔹 Government Fees
| Applicant | Fee |
| Main Applicant | 2.016 € |
| Spouse and Child/Parent aged 18–21 | 166 € |
| Child under 18 | 16 € |
🔹 Health Insurance (Average amounts)
| Age Range | Fee per Person |
| 3–19 years | 88 € |
| 20–40 years | 95 € |
| 41–60 years | 109 € |
| 61–65 years | 145 € |
| Over 65 years | 165 € |
➤ Sample Calculation: For a Nuclear Family
Let’s put this into an example.
Let’s say you buy a 250,000 EUR apartment.
The family consists of a mother, a father (aged 41–60), and a 10-year-old child.
We’ve already calculated the title deed cost: 15,925 EUR
The Golden Visa costs break down as follows:
- Lawyer fees: 6,200 EUR
- Government fees: 2,682 EUR
- Health insurance: 306 EUR
Total: 9,188 EUR
Grand total:
Title deed (15,925 EUR) + Golden Visa (9,188 EUR) = 25,113 EUR
In short, additional costs come out to roughly 10% of the investment.
Of course, this amount can vary slightly depending on the number of applicants, their ages, and the law firm you work with.
➤ Quick Answers to the Most Common Questions
💬 Can I include my fiancé(e) in the application as a spouse?
Both yes and no.
If you establish a civil partnership in Greece, you gain the same rights as marriage.
But the process is more complex and somewhat more costly.
💬 Can I get these extra costs as a discount from the development company?
Unfortunately, no.
Amounts payable to the government must always be paid from your own account or through the lawyer you’ve granted power of attorney to.
However, you may be able to negotiate notary or legal fees with the company.
💬 Can I buy the apartment in my child’s name and apply as a family?
Yes, but your child must be at least 14 years old.
In that case, you can apply for the Golden Visa as a family.
💬 If I buy an apartment from a project under construction, when can I apply?
Your lawyer can submit the application as soon as you sign the sales contract at the notary.
You don’t need to wait for construction to be completed.
💬 How much are the Golden Visa renewal fees?
For the main applicant: 2,000 EUR
For other family members: 150 EUR per person
Card issuance fee: 16 EUR per person
➤ Conclusion and My Recommendation
As you can see, when you invest in a 250,000 EUR apartment, you should expect around 25,000 EUR in additional costs.
This amount covers both the title deed process and the Golden Visa application.
Of course, this figure can vary slightly depending on the scope of your application and the law firm you choose.
My recommendation is to always go through this process with an experienced lawyer and advisor.
You can visit our YouTube channel to learn more about the Greece Golden Visa process through video content and to follow the latest developments.
