Closing costs come first. Depending on the country, these may cover a property transfer tax, notary costs, land registry charges, lawyer's fees and broker fees. As a rough planning figure, reserve extra funds beyond the price itself, then check the exact local rates.

Yearly taxes on the zadar property come next. Rates differ from place to place, and some countries levy higher rates to non-residents. Where the property sits empty most of the time, vacancy taxes may apply.

Service charges are easy to underestimate. An apartment in a complex with shared gardens, a lift and a concierge comes with monthly costs that run on regardless of occupancy. Obtain the building's financial records prior to purchase, and check on upcoming renovation projects.

Being far away creates its own cost line. A local manager must hold keys benalmadena homes for sale emergencies, receive mail and official notices, and organise repairs. Property management typically charges a percentage of the rent, and doing without it tends to become costly in the long term rentals in cyprus run.

Insurance, utilities and eventual selling costs complete the picture. Tax on the sale often applies to non-resident sellers, sometimes at a different rate. A useful exercise is to build a five-year running-cost estimate at the offer stage — the figure is usually higher than expected.