Q: Cosa devo fare per comprare una casa?
A: • Per riservare la vostra casa, tutto quello che occorre e’ un documento di identita’ e €3000.
• Un’avvocato preparera’ un contratto tra voi e BAYO BAYO.
• Se utilizzate un mutuo, la banca richiedera’ come deposito il10% del prezzo di acquisto. Alternativi
metodi di finanziamento sono diponibili. Non esitate a contattarci per maggiori informazioni!
• Noi apriremo un conto corrente a vostro nome con una banca greca e un numero per le tasse.
• Noi svolgeremo tutte le pratiche per l’elettricita’ e l’acqua, e confermeremo le licenze.
BAYO BAYO gestisce tutta la procedura, individuando il vostro immobile preferito sino alla conclusione della trasizione, ed aiutandovi a stabilirvi nella comunita’ di Creta.
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Q: Come posso finanziare l'acquisto dell'immobile?
A: Le banche greche offrono mutui a compratori stranieri, spesso a tassi piu’ competitive di banche estere. Solitamente per avere un mutuo e neccessario fornire i seguenti documenti:
• Documento di identita’ (per esempio: passporto, carta di identita’)
• Una copia recente di dichiarazione delle tasse.
• Recenti buste paga.
Preparato da noi per voi:
Titoli di propieta' e costo costruzione. In caso di costruzione o ristrutturazione il tutto verra' preparato da un'ingegnere civile.
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Q: Come e' il sistema sanitario in Grecia?
A: La qualita’ del servizio sanitario e’ simile alla maggior parte dei paesi della comunita’ Europea. Molti dottori hanno conseguito specializzazioni all’estero.
Nel caso abbiate una assicurazione medica privata che vi copre all’estero, potrete accedere al servizio sanitario private.
Il costo per una consultazione privata si aggira intorno ai €30.
Le medicine costano meno; Alcuni grossisti comprano medicinali dalla Grecia per venderle in nord Europa a prezzi maggiorati.
Per avere accesso al servizio sanitario pubblico in Grecia, e’necessario essere coperti dalla IKA (il sistema sanitario pubblico greco), questo e’ possibile avendo completato in Italia il modello E106 (nel caso di lavoratori distaccati e i familiari residenti con il lavoratore), modello E121 per i pensionati che trasferiscono la propia residenza in un altro Paese, o avendo in possesso una Tessera Europea di Assicurazione Malattia in caso di temporaneo soggiorno.
Per maggiori informazioni potete visitare il seguente sito Internet:
http://www.ministerosalute.it/assistenzaSanitaria/paginaInternaMenuAssistenzaSanitaria.jsp?id=957&menu=italiani
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Q: Come' il sistema scolastico greco?
A: Isruzione pubblica:
L’istruzione e’ completamente gratuita e tutte le spese comprese quelle dei libri scolastici sono sostenute dallo stato Greco.
Le scuole prevedono costanti prove ed esaminazioni per assicurare una preparazione ottimale degli studenti in tutte le materie insegnate.
Nelle scuole sono insegnate tre lingue straniere a scelta (Inglese, Francese e Tedesco). Anche in localita’ remote gli scuolabus (che sono sovvenzionati interamente dallo stato greco) con il loro servizio assicurano la presenza a scuola di tutti i bambini.
I valori cristiani e della famiglia sono fortemente presenti nella societa’ greca, questi valori si rispecchiano anche nelle scuole, dove i bambini interagiscono in un’ambiente sicuro.
Attivita’ extra scolastiche:
Nella citta’ di Chania, sono disponibili numerose attivita’ extra scolastiche, per esempio lezioni di informatica, arte , danza classica e moderna, scacchi, musica, sports (calico, scherma e molti altri).
Nel caso voleste ofrrire ai vostri figli una educazione complementare, vi sono diverse scuole pomeridiane gestite da Inglesi e Tedeschi.
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Q: Posso ricevere la mia pensione in Grecia?
A: Tutti I cittadini Europei possono ricevere la loro pensione in Grecia.
Per maggiori informazioni visitate il sito Internet:
http://www.inps.it/doc/pensioniestero/
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Q: Come e' il servizio di trasporto pubblico?
A: Autobus: La rete di autobus e’ ben sviluppata. La superstrada ( che si estende da Agios Nikolaos e Kastelli in Kissamos, e’ percorsa dagli autobus ogni ora. Gli autobus collegano la zona nord a quella sud dell’isola ogni 3-4 ore. I villaggi sono collegati dagli autobus 4 volte al giorno.
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Q: Come posso raggiungere Creta?
A: Raggiungere Creta e’ semplicissimo.
Vi sono voli charter che partono da Bologna, Verona e Milano ed atterrano a Chania da Aprile ad Ottobre.
Durante I mesi invernali e’ possibile raggiungere Creta via Atene.L’aeroporto di Atene ha numerosi voli quotidiani che collegano l’isola di Creta.
Charter airlines are increasing their presence in the island.
Easy jet has added winter flights to Heraklion and is expected to add Chania in 2009.
This is expected to increase the value of properties, and desirability of reaching Crete further.
Moderni traghetti di lusso, collegano quotidianamente il porto di Pireaus (Atene) con il porto di Souda (Chania) durante I mesi invernali, e da Aprile ad Ottobre piu’ volte al giorno.
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Q: Per maggiori informazioni consultate i seguenti siti Internet:
A: Da Atene a Chania/Heraklion.
www.olympicairlines.com
www.aegeanair.com
www.athensairways.com
Dall’ Italia a Creta.
http://www.neosair.it/
Dall’ Italia ad Atene.
www.easyjet.com
www.olympicairlines.com/project_en.html
www.alitalia.com
www.flyairone.it/it/index.html
Traghetti: Chania-Pireaus.
www.anek.gr/italian/index.html
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Q: How has the market fared over the past 12 months? What has been the pattern in land prices for developers, property prices for buyers and general availability of stock? What are the average property prices?
A: Despite a reduction of investment, property prices on the average have not gone down, and preserved their value, at least until fairly recently. Development has gone down, a healthy sign that the global danger of recession is recognised and appreciated. Note however that a reduction will lead to even faster absorption of any existing unsold properties.
Given the global economic climate, comparison with other markets e.g. USA where sales have dropped by 30%, thousands of real estate businesses have closed down, unemployment emerging from this sector has doubled in last two years and repossessions have hit record levels, makes one realise how immune (not invunlerable) real estate in Greece is.
In summary the Greek housing market proved surprisingly robust and mature.
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Q: Which parts of Greece are seeing the most buying activity? What is leading this activity (i.e. investor led or lifestyle retirement emigration led)? Which areas have the best rental markets, and what yields are achievable?
A: Buying activity can be highly localised and differentiated even between neighbouring areas. This question can not be answered meaningfully by figures representing broad areas.
In the area of Chania in Crete for example, whereas prices in the Old Town are holding well – a select few have even increased- in the area of Apokoronas prices have taken a blow.
Having said this, in big towns around the country two trends have emerged.
In the first group -characterised by overall stable sales figures- one can find newly build houses and ‘privileged’ resales due to location, view, building quality and even floor in case of apartments.
The second group –characterised by a drop in sales- is made of houses built long time ago, some with low quality of building materials, in saturated or non-desirable areas.
Yields vary between 3-6%.
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Q: Has the resale market become more established over the past 12 months? Why?
A: In North West Crete this is certainly the case as more and more newly built properties are now coming to the market thus creating a more established market.
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Q: Last year the Greek government re-launched the first land registry project. What is the current state of progress on the creation of a central land registry, have there been any other government initiatives to support the property market?
A: t is progressing well, of course like any project of that scale, not without its problems.
There are government initiatives being proposed to support the property market. The most interesting ones are Tax deductions and loan guarantees for homebuyers, as recently announced by the Greek government
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Q: Who are the most active overseas buyers in Greece? Are there concentrations of a certain type of buyer nationality demographic in certain areas? What type of property do they look for? Are there more Russian buyers in Greece?
A: This year was characterised by an increased presence of Italians and French, and a marked decrease of English buyers. The type of property they look for is on average smaller in price and square meters as compared with the previous years.
Although there is talk of Russian buyers being present we did not experience an increase in Russian buyers.
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Q: How have transport links improved in the last year? Are there more less flights and any new routes bringing in prospective buyers? What impact is this having on the buyer profile?
A: How have transport links improved in the last year? Are there more less flights and any new routes bringing in prospective buyers? What impact is this having on the buyer profile?
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Q: What type of build property is most in demand? Do they tend to be resort communities - built around marina, golf, spa, etc or is there more demand for private villas with space? Is eco-tourism taking off in Greece, and what is driving it (if so)?
A: March 2010
This year, as mentioned in a previous question, buyers went on average for less meters square (from 100-120 m2 down to 80-100 m2) and less Euros (from 200-250 thousand down to 150-200 thousand Euros).
There is more demand for private villas with space, and at the same time resort communities built around golf courts but unfortunately in Crete this is a rare product.
Eco-tourism and Green construction and building programs are not exactly taking off but they are definitely increasing both in numbers and popularity.
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Q: How available are mortgage finance products for overseas buyers? How have the global economic difficulties of the past 12 months impacted availability?
A: March 2010
Lending conditions have been highly volatile and are still changing.
Lending to people overseas from Greek Banks is not as easy as it used to be.
Global economic difficulties have certainly decreased availability of finance for Greeks and foreigners alike. Nevertheless, at the risk of over-generalising, a deposit of 30% of the selling price is normally required, and the total of loans a customer can get should not exceed 40% of income.
For clarity's sake, to give an example, on a €100,000 property, a deposit of €30,000 would be asked. If the applicant is earning €10,000 per year, then his mortgage on the property together with any other loan commitments s/he has, should not exceed €4,000 per year.
We have to stress that all the final details depend on the credit worthiness of the applicant. For example, an applicant of excellent credit worthiness and history can get even a 100% home loan, and the best possible rate (at the time of writing the interest rate is more competitive in Greece than abroad).
If you need further help, we can advise on finance and can obtain finance and mortgage/home loans for you. Please contact us for more details.
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Q: What impact has the credit crunch had on the number of agents actively selling Greek property? Has this decreased and what characterises those agents currently prospering?
A: The number of agents as well as the number of developers has decreased.
So far the market supported a wide variety of people dealing with property.
It is now far sharper, focussed and competitive.
I believe the consumer is the winner here as increasingly, professionalism and service, is the way to secure new clients.
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