Enter the property or transaction value to estimate Greek notary fees for the purchase deed and, if applicable, the mortgage deed.
Total estimated notary fees
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Purchase deed fee
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Mortgage deed fee
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Copies and extras
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As % of property value
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Your breakdown
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How notary fees work in Greece
Greek notaries (symvolaiografoi) are public officials who authenticate legal documents and are required for all property transfers. Their fees are set by ministerial decree at approximately 1-1.5% of the transaction value for amounts up to 500,000 EUR. The buyer typically pays the purchase deed fee, while both parties contribute to copy costs. Where a mortgage is involved, an additional mortgage deed (ypothekosynmvolo) must be executed at the notary, attracting a further fee of approximately 0.5-1% of the loan amount, payable by the borrower.
Example calculation
Property purchase price: 200,000 EUR. Purchase deed fee: 200,000 x 1.2% = 2,400 EUR plus 24% VAT on professional portion = approximately 3,000 EUR all-in. Copies and registration: 400 EUR. Mortgage deed (160,000 EUR loan): 160,000 x 0.7% = 1,120 EUR. Total notary costs: approximately 4,520 EUR.
Tips and considerations
Ask the notary for a detailed fee estimate (proypologismos) before completing the transaction. Notary fees are regulated but not identical across all notaries, as the fee scale allows some discretion at the upper end. The notary also handles land registry registration on behalf of the buyer, and the registration fees (approximately 0.5% of value) are a separate disbursement paid through the notary. Ensure all disbursements are itemised on the notary's bill.
Frequently asked questions
How are notary fees calculated in Greece?
Greek notary fees are set by a ministerial decree based on a percentage of the transaction value on a sliding scale. For property purchases, the notary fee is approximately 1-1.5% of the transaction value for amounts up to 500,000 EUR. For larger transactions the percentage decreases. In addition to the percentage-based fee, the notary charges for document preparation, authentication of signatures, copies of the deed (one each for buyer, seller, land registry, and tax authority), and any ancillary services. VAT at 24% is added to the notary's professional fee component but not to the disbursements. Typical all-in notary costs for a 200,000 EUR property are 2,500-4,000 EUR.
Does the buyer or seller pay the notary fees in Greece?
In Greek property transactions, the buyer traditionally pays the notary fees, as the notary is primarily acting to protect the buyer's interests by conducting the title search and drafting the deed of sale. Both parties must appear before the notary and the notary acts as an impartial public official. In practice, some negotiations result in a cost-sharing arrangement for the notary fees, but the default legal expectation is that the buyer bears this cost. For mortgage transactions, the additional mortgage deed attracts a separate notary fee payable by the borrower.
What is included in the notary deed for a Greek property purchase?
The Greek notarial deed of sale (symvolo agoras) includes a full description of the property (address, cadastral reference, surface area, floor, share of common areas), the names and AFM numbers of buyer and seller, the transfer price, a warranty that the seller holds clean title free of mortgages or other encumbrances, the transfer tax payment certificate issued by AADE, and declarations by both parties confirming the transaction details. The notary reads the full deed aloud in the presence of both parties before they sign. A copy is deposited with the land registry or cadastre for registration of the title transfer.
Can I use a notary from a different region for a Greek property purchase?
Yes. Greek notaries have national competence and any Greek notary can perform any notarial act regardless of where the property is located. In practice, it is convenient to use a notary located near the property or near the land registry where the deed must be registered, as the notary's staff typically handles the registration formalities. For non-Greek-speaking buyers, some notaries in Athens and on popular tourist islands have experience working with foreign buyers and can provide interpreters or bilingual summaries of the deed, though the official deed is always in Greek.