Transaction costs arrive first. Across different markets, the costs typically include transfer tax or stamp duty, notary fees, land registry charges, the cost of legal advice and the agent's commission. For budgeting purposes, reserve a meaningful percentage on top of the price, and verify the actual local figures.

Annual buying property in zagreb taxes come next. Rates vary from place to place, and some countries charge a separate rate for non-residents. Where a unit is left unused for long periods, vacancy taxes may apply.

Community fees catch buyers out. An apartment in a managed building with shared gardens, an elevator and shared parking generates regular fees that keep coming whether you are there or not. Request recent accounts from the management company before you commit, and look for upcoming renovation projects.

Distance creates a category of its own. Someone must handle keys for leaks and repairs, receive letters and bills, and organise the work of contractors. buy property in italy management usually takes a share of rental income, and doing without it usually proves costly in the long run.

Insurance, running costs and the cost of selling finish the calculation. Capital gains tax often applies when a non-resident sells, sometimes at a different rate. A good discipline involves building a five-year running-cost estimate at the offer stage — the total is usually higher than expected.