Cultural Code

  Nowadays when everyone over the world  knows the variety of  the ways of communication can reach you via email, w.app, Twitter etc. Seems to be easy and simple. 

Yet, it is not that simple. In Greece most of the shops, medical clinics, workers and professionals won't reply to your message although they have an email address. 

It takes time to understand manners of people from other countries. Well, in Greece, if you send your message for a professional or would like to place an order or even make an appointment with a doctor, your chance to receive an answer is close to zero. The reason is Cultural Code. Greeks think that contact by email is impolite. Their communication is mostly by phone call.

Obviously, there are a few who reply to an email due to the fact that they have been living abroad and know other custom business.

 

 As for Real Estate Agencies  -  my experience shows that 90% of them do not react to any email message.

 

By the way, pay attention while you search a property via one of the real estate website. there is a repetition of the photos and the dot on the map does not indicate the exact location of the property.


Before proceeding with a purchase

You are interested in a certain plot and would like to see it?  There are three documents  you have to see when you schedule a viewing with the agent. 

i. Forest office

ii. A survey map not older than two months

iii. A proof of ownership

 

 My lawyer told me that here in Greece the laws change every two months, for this reason you have to see a Topo [survey map] of the plot you are interested.

 

Breaking News - if you wish to buy a plot and build your home, take into account that the plot must be bigger than 4000m2 if it is outside a village.

New Bill Regulating Construction Outside Village Boundaries

https://www.petersons.gr/2020/12/27/new-bill-regulating-construction-outside-village-boundaries/

 

 

 


 

Now, while I am sitting at home typing these moments, I can laugh about them.

However, it was a difficult period with many feelings of helplessness as people repeatedly cheated us and abused the fact that we were foreigners.   

A professional Skype meeting experience

Each time we sought a certain professional, it took an exhaustingly long time to find one. When we finally found them, we always scheduled a Skype meeting first. All professionals we found this way were always punctual, respecting the day and time we agreed upon.

However... every time we wanted to actually start the call, there was always 'something'; the secretary did not connect him, or said professional had an incoming call he just had to take right when his call with us started. It just never went swimmingly!

With one such a professional, an accountant, we had a funny moment: the first attempt to connect failed in the middle of our introduction. We reconnected and restarted the introduction. Then a call comes in… I wait patiently. Restarting the introduction again, a second call comes in. Again, I wait patiently. We must restart the introduction again, but first we get to hear what all the calls were about - a cute anecdote about the accountant’s wife who had to know where his daughter’s glasses are, maybe he [the accountant] knows or remembers?

:) Funny moment - I do have empathy for such happenstance, but I just cannot imagine it happening in the Netherlands. Having an appointment while someone interrupts our meeting... Moreover, it concerns a family issue, not a business issue. The latter may be accepted with many polite apologies, but a ‘family issue’? “Nee mevrouw, dat kan niet.”




                            

How may we help you?

 

How may we help you?

We can help you find reliable local workers, offer advice and information on a variety of bureaucratic necessities and even     'be your eyes' here in Greece as an impartial third party while you are abroad and building remotely.

Our services can be provided for those interested in purchasing a plot, building a new house or buying and renovating an existing one.

 

So do we act as your contractor?

No. However, you'll soon find out that local contractors, those we know, form a dishonest 'guild'. They ask us as 'rich foreigners' to pay incredibly high fees, while they abuse the workers they hire and pay them inhumanly low salaries. The very big difference between what they'll ask you to pay and the payment they'll actually forward to the workers, is money they pocket for themselves and never tell you about.

 

Moving to Greece?

We have been there, done that.

Don’t repeat our mistakes. Save money, time and effort

 


 


Opening a Greek bank account: should you?

 

There may be those who will tell you that you must open a local Greek bank account. This is not true in my experience. I have retained my Dutch bank account and transferred all payments for the building of my house online with no problems.

 

Accordingly, my personal opinion is that you shouldn’t hasten to open a local bank account unless you have a very good reason. I find that every bureaucratic step in Greece is needlessly complicated, so I prefer to avoid any local bureaucracy if it’s not entirely essential. I am happy to have retained my Dutch account, which luckily for me resides in a country with a bureaucracy that I find much quicker, easier and where I can arrange virtually everything online.

 

Photo: Geranium in my garden

 

 

Everything can be soloved

 

Once again, everything can be solved.

You just need to be willing (and able) to spend the extra money. So avoid unpleasant surprises and get yourself reliable information about these things in advance. Your lawyer in Greece may serve as a trusted person who’ll know where to get reliable info for you in general. Nonetheless, it’s worth asking the real estate agent about these matters too. It’s also another way for you to assess the reliability of said agent.

Lawyer, a trusted proxy

You have chosen a plot, settled on a price and are ready to sign the contract. Now is the time to locate a reliable lawyer and notary, if you haven’t done so already.

If chosen well, your lawyer will be a trusted person who could help arrange many other matters for you during the building of the house. Think about:

 Registration at the tax office and getting your ΑΦΜ number. This is a good moment to connect with a reliable accountant too.

Registration at the Social Insurance Institute, known as IKA / EFKA / EOPYY. This is mandatory insurance you have to arrange for your construction workers.

Property registration at your local municipality, which will give you a temporary connection to electricity for the duration of the building.

Closing your account at the Social Insurance Institute (IKA). As soon as you are done with the ‘heavy’ construction work, it is very important to issue a certificate declaring that you have no more outstanding debt at this institute. Without this certificate, you will not be able to get a permanent connection to electricity or water.

 

My personal experience - I gave my lawyer the power of attorney to act on my behalf in all above mentioned matters. Her dedicated efforts solved problems and accelerated the process while I was still living in the Netherlands. In Greece, it is often not possible to settle such matters remotely (i.e. online).

 photo - A view of a few sunsets from my home


 

 

A moment before

 

Congratulations – A moment before signing the contract

I advise you to check the following details before signing the purchase contract and transferring payment:

Know thy neighbours: what are the boundaries of your intended plot made of? Road as a boundary? Consider traffic, architectural stability and risk of future expropriation.

    Traffic – is it a tiny road that leads to an unimportant village? Or does this road connect two highly touristic towns which will turn a seemingly quiet road into a source of incessant noise in the high season? Note: the ‘high season’ in Greece can last a long time, in many places starting already in May and until Septembe

     Architectural stability and extra costs – is your house going to be situated beneath a road? Check if the road has proper foundations. I have personally known a neighbour who has had the road above their plot collapse on their newly-built home. I myself have had to invest in a supportive concrete wall for the road above my house. It doesn’t mean you shouldn’t buy this plot – but you should be aware of the extra costs you may incur for supporting the road against collapse.

      Risk of future expropriation – you may check this with your real estate agent or the seller, depending on how reliable they are. Better yet, you should check this directly with the municipality or let your Greek lawyer check this for you.

      Olive grove as a boundary?

Very quiet. Activity only during harvest season. Does this kind of silence suit you? The further away your plot is from a town, the greater the chance for the presence of animals – including jackals, snakes and wasps.

      Another plot with a building permit as a boundary?

      Check what type of building is intended for this plot: is it just one house? Or perhaps several holiday residences that may cause a lot of noise?

Right for easement of the neighbouring plot?

If this is the case, your (future) neighbor has the right to share parts of your infrastructure. This may mean that you share one entry road for both your properties or maybe share a parking space. Ask yourself if this condition suits you. 

        Topography of the plot

It’s   important to understand the topography of your desired plot, as it may influence your building costs.

Hillside plot on sloped land? You should take into account extra costs for leveling the ground, additional foundation work (e.g. more concrete, deeper excavations) and for landscaping against mudslides (e.g. waterproofed and drained retaining walls).

Trees or an olive grove in your plot? You may need to move some trees in order to free up space for the house. Consider extra costs for either cutting them down or – preferably in my opinion – moving them to a new place within your plot. Sometimes you can also arrange their sale.

Access by car – is the road leading to your plot paved or unpaved?  In winter, unpaved paths may turn very muddy; will you still be able to access your plot with your type of vehicle?

          Local infrastructure

It’s best to know in advance what local infrastructure is – or is not – going to be available at your future plot and to what extent. Everything can be solved, but it may entail higher costs that you should be aware of in advance. Think about:

Communication – will you be entitled to cable internet (or a landline)? Is there cellular signal for your mobile phone?

Where I live, I have mobile signal only in one room - that’s okay for my needs. As for internet, I have been informed that Cosmote (one of the country’s biggest telecommunications companies) will not install cable internet or even a landline of any kind at my house. Apparently, this is because my house is more than 200 meters away from the center of the village [this is a fairly new law, as a few neighbours who arrived the year before me did get cable internet]. For me, the only solution was the much costlier satellite internet.

Electricity – if you’ve settled for a secluded plot far away from human habitation, bear in mind that installing electrical cables over greater distances will entail significantly greater costs accordingly.

Water – as is the case for electricity, so is the case for the water pipes. You may need to identify the nearest junction box and consider extra costs depending on the length of digging required for the new pipes to reach your house.