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Closing costs come first. From one market to another, these may cover transfer tax or stamp duty, notary costs, registration fees, the cost of legal advice and the agent's commission. As a working assumption, set aside a noticeable share above the purchase price, then check the exact local rates.

Recurring property taxes come next. The rates vary enormously, and some countries levy a separate rate cyprus apartments for sale non-residents. Where the buy property in tremithousa sits empty ciudad-quesada real estate for sale much of the year, vacancy taxes may apply.

Community fees are easy to underestimate. An apartment in a complex with shared gardens, an elevator and shared parking generates regular fees that keep coming regardless of occupancy. Obtain the last two or three years of accounts prior to purchase, and check on scheduled repairs.

Being far away creates a category of its own. Someone must be available for emergencies, receive correspondence from the authorities, and arrange routine maintenance. A management company typically charges a share of rental income, and going without it tends to become expensive in a different way.

Insurance, utility standing charges and exit costs round out the budget. The tax due on a future sale may apply even to a non-resident owner, sometimes at a different rate. A sensible test is to build a five-year running-cost estimate at the offer stage — the figure is usually higher than expected.