Available · Квартира в новостройке, Терми · ground level (isogio)

Apartment

Отдельные объекты · Nea Kallikratia ·

A furnished 55 m² apartment in a 2025 building in the centre of Thermi, a suburb of Thessaloniki. Open-plan kitchen-living room, bedroom and bathroom. Underfloor heating from a heat pump, air conditioning, security door, aluminium frames, solar water heater, fitted wardrobe, video intercom, mosquito screens, open parking, storage room and a lift in the building. Energy class A+.

Price

€ 210.000

€ 3.818 / м²

Interiors · 20

Total area: 55 м²
Extras: Lift · Storage room · Furnished · Thermi
Floor: ground level (isogio)
Completion
Mortgage: up to 50 % of value
Yield: 1,9 % per year

Calculate the mortgage Calculate the yield

Cost breakdown

What the purchase really costs

The list price is not the final figure. Below are the costs added to a purchase in Greece. The rates are editable: they depend on the property and on who you hire.

Apartment price, €

Property transfer taxΦΜΑ, paid before signing at the notary: %; € 6.489
NotaryFee plus VAT: %; € 2.520
LawyerTitle check and support: %; € 2.100
Land registryΚτηματολόγιο: %; € 1.050

Costs on top of the price€ 12.1595,8 %

Total to enter the deal€ 222.159

This estimate does not replace professional advice. Rates depend on the tax value, the year of the building permit and whether this is your first home in Greece. Your lawyer prepares the exact figure before the deposit.

Mortgage

How much of your own money, and what you pay monthly

Greek banks lend non-residents up to roughly half the appraised value. Move the sliders — the figures update instantly.

Apartment price

Loan share50 %0 %70 %Bank rate4,2 %2 %9 %Term20 yrs5 yrs30 yrs

Loan amount50 % of the price€ 105.000

Down payment€ 105.000

Transaction costsTax, notary, lawyer, registry — banks do not finance these€ 12.180

Cash you needDown payment plus transaction costs€ 117.180

Monthly paymentEqual instalments€ 647

Interest over the termPaid on top of the loan€ 50.376

An estimate, not an offer. Banks assess income, age, citizenship and their own valuation — the final rate and loan share are set after you apply. Mortgages for non-residents are not always approved.

Rental yield

What renting it out brings in

Calculated from your inputs, not from a vague market average. The defaults are an estimate for the Halkidiki coast — adjust them to your scenario.

Rate per night, €Nights per year110 nights is roughly May–SeptemberCosts, %Cleaning, management, repairs, vacancy

Gross annual incomeBefore costs: € 7.150
Ownership costsENFIA, utilities, insurance: − € 1.050
Net annual income: € 4.313
Total investedPrice plus transaction costs: € 222.180

Net yield

1,9 %

Payback

51,5 years

A model, not a guarantee. Occupancy depends on the platform, the photos and seasonal competition; Greek rental tax is progressive. Check the numbers with a lawyer and a management company before buying.

Also available in this building

Price€ 210.000