While we are always ready and willing to give advice, at Propertyoncrete we believe most conscientious buyers will seek independent advice. We are happy to recommend the web site http://www.livingincrete.net
and also the book of the same name, written by an English woman, Carol Palioudakis, married and living in Crete for over 30 years. Both the web site and the book contain a wealth of excellent information for anyone buying a property or moving to Crete
SOME COMMON QUESTIONS
What is happening with the new Greek National Land & Property Register?
In our area of Sitia in East Crete the simple answer is nothing for the moment. We will of course advise all our clients as soon as this area is included. For further information you can visit the Ktimatologio web site, which is also in English, to see a list of the areas currently included.
What is the weather like in Eastern Crete?
Every year is different however generally the summer is hot and dry, sometimes windy, especially in July and August and we do not normally get any rain until end of September in East Crete. As the winter draws nearer it gradually gets cooler with occasional rain generally at night but when there are no clouds the sun is still warm just like a warm summers day in England but not so humid. This weather generally continues until December and all the local people are out trying to get there olives in and the first citrus crops are ready for picking. Vegetables and flowers grow rapidly at this time and all the countryside becomes green and fertile. After Christmas it is definitely colder for about two months and we get some spectacular thunderstorms and a lot more rain. By March the temperature generally starts to improve, there is less and less rain as Spring approaches and this is normally a temperate season with the countryside and the high hills clad in glorious spring flowers.
What is a topography?
The topography is a measured and drawn record of the boundaries of the land or property and is used to state ownership on the land registry
What are the rules about plots of land?
When the plot of land is outside the village plan normally the minimum requirement is 4000 sq mtrs on which you can build 200 sq mtrs HOWEVER there are many rules and regulations regarding land and building with almost as many exceptions to these rules. Therefore, each plot of land needs to be dealt with on an individual basis and we are able to assist you with your search once we have established what you want to do and where you want to build.
How much does it cost to build?
As a very general rule of thumb building costs per m2 are currently between 1300 - 1600 euros. However, the actual cost of building is heavily dependant on access, distance from material supply, standard of materials used, service infrastructure, plot restrictions and land stability etc. Therefore it is our policy not to make a guess at building costs for individual properties as this can lead to great disappointment. If you are interested in a particular renovation or plot of land we can arrange for our civil engineer to inspect the property for you and give you a costing. Alternatively you are free to engage an engineer of your choice to inspect the property for you.
PROPERTY ON CRETE'S BUYING PROCESS
What documents will I require to buy a property?
You will need passport, a full birth certificate for each of the people buying the property and if it is married couple a copy of the marriage certificate.
What else will I require to buy a property?
As an agency we do not operate client accounts as we believe you should retain control of your money so you can authorise when the money is withdrawn by the lawyer. Therefore, you will need to set up a personal bank account into which you can send your money if and when you wish to go ahead with a purchase. To open the bank account you will need a copy of a household bill from your residence in the UK and a Greek tax number if you do not already have one. To apply for the tax number you will require a passport, birth certificate and marriage certificate if applicable. The bank account can be opened whilst you are here and we are happy to help if you desire.
Is it possible to get a bank loan in Greece for home improvements?
Yes if you are a receiving an income
NECESSARY DOCUMENTS TO APPLY FOR A HOUSING LOAN
PERSONAL DOCUMENTS
For EU Residents or Greek Residents that receive an income from abroad
-ID CARD OR PASSPORT
-TAX RETURN PAPERS OF THE 3 RECENT YEARS (FROM EU COUNTRY)
-TAX NUMBER IN GREECE
NECESSARY PROPERTY DOCUMENTS
-Building license
-Topography
-Building diagram
-Ground plan
-Titles
-Budget for the scheduled repairs (for house-repairing loans)
* For more detailed information visit www.nbg.gr
Do I need to travel to Crete to sign papers?
You are free to sign on your own behalf or alternatively a Power of Attorney can be drawn up to appoint a lawyer acceptable to you to act on your behalf.
Will I need to pay a deposit?
To secure a property generally 10% of the asking price is required and paid to the vendor. However it is the policy of this agency to recommend a cooling off period prior to paying a deposit. This is to ensure that you are positive you wish to proceed with the purchase. The deposit, once paid to the vendor by the lawyer, will not be returned by the vendor if you do not complete the purchase.
Are there any additional expenses?
All the properties on our website have our commission fee included. In addition to this you will need to pay the purchase tax, notary fees, lawyer fees, topography (if there is not one already done) and land registration fees. As a general rule of thumb, to be on the safe side, you will need to allow 14% of the asking price for these additional expenses, though in most cases it is less than this.
What is a Notary Public?
A Notary Public represents the Greek Government, and one of their main tasks is to ensure that State taxes are paid on the completion of the sale, together with any other payments such as the Notary's or Lawyer's fees, taxes and duties.
The Notary Public will prepare all the necessary documentation to complete the purchase, such as drawing up the Purchase Deed, witnessing the signatures, and arranging the registration of the new Title and Deed of Ownership.
Will I need a lawyer?
In order for you to have representation you will need a lawyer. We have very experienced local lawyers that we recommend who speak English however you are under no obligation to use them and you will not be pressed into doing so.
BUILDING PROCESS
Can I meet an Engineer?
We work in association with one of the most knowledgeable and experienced engineers in Sitia who is English speaking and we are happy to introduce you to him. He is able to discuss and draw up plans, give advice and carry out the necessary paperwork to build including applying for planning permission. However, if you wish to engage your own engineer this is perfectly acceptable.
Do you have a list of trades people?
We are able to introduce you to a selection of both English and non English speaking reputable trades people. As a matter of policy we recommend that you get alternative quotes before proceeding with work.
MOVING TO CRETE
How do I transport my pet to Crete?
It is advisable to visit the DEFRA website as this gives comprehensive regularly updated information regarding transporting your pet and the Pet Travel scheme www.defra.gov.uk
LIVING IN CRETE
Are there health care facilities in the area?
Yes there are hospitals, doctors, pharmacies and dentists in the area.
How will I sort out my utility bills?
As part of the after sales services we help you transfer the utility bills into your name and in most cases they can then be paid by standing order by the bank.
ALWAYS HAPPY TO HELP
Do you have a question? Contact Us.
If we don't know the answer we will find out who does.