The sale deed is signed before a symvolaiográfos, and title is only safe once the Ktimatologio cadastre shows your name. Objective (tax-assessed) values often sit below the agreed price, which is why the 3.09% applies to a number you did not negotiate.
New-build from a developer may carry 24% VAT instead of transfer tax under repeatedly extended suspension schemes — confirm which regime your unit falls in. Lawyers are optional in Greek law and standard practice for foreign buyers, at around 1%.
Golden Visa thresholds rose in September 2024 and now run €250,000 to €800,000 by municipality. sivrce.com/gr is the canonical Greece URL. Listings publish only when we can verify them to the same standard as Georgia.