Let's face it, wherever you are, dream properties can sometimes turn out to be a nightmare, and whether you are gay or straight, property on Crete, Greece, can turn out to be the same.
I think it does no harm to be flexible in your approach, but when buying property abroad you will find that you have to change your ideals to suit the type of property much of which is built to suit local conditions and styles.
So what type of property are we looking for? Well again we can break this down into sub headings as follows....
- A block of land
- A ruin for the DIY enthusiast
- A finished house
- A new build finished house
I know the last two look the same but I will explain the difference as we go along. We are really talking order of difficulty here, starting with the hardest and working through to the easiest.
Blocks of land are quite readily available on Crete. You will see signs by the side of the road advertising them, the various agents have them for sale, or if you have visited an area several times (and I hope you have done so as part of your research), then you can ask around among the people you have got to know. In fact you wouldn't be the first person to stand on a chair in a local kafenio and ask the assembled company if anyone knows of land for sale.
Pieces of land can be bought as an investment (but note my comments about your resale market in Part 1), or to build on. If you are just going to sit on the land and do nothing then fine, but if you intend to build then you will need to make sure that you will be able to build i.e. get the necessary permission and licences. There are rules about how much land you must have before you can build, and how many square metres you can build, these are designed to keep housing density down and preserve the character of the area. But naturally you must check these details before you buy as you might find that you can actually only build a very small house, or even worse not build at all!
You must make it clear that you intend to build when speaking with your lawyer so that he can investigate with the local town hall whether development is possible and what form this must take. Gaining the necessary permissions and licences can take time, and you will almost certainly need to have a local site agent to deal with the paperwork, hire and fire workers, liaise with your architect (many of whom will act as your site agent as well!), and ensure that taxes and 'IKA' payments are made. If you are any distance from 'services' you will also have to pay the costs for getting the services to your property and it is not unusual to have to wait weeks or even months to get, for instance, electricity, connected.
In the case of electricity the power company will often provide what is called 'builder's electricity' which is charged at a different, higher, rate. Your final (or any) connection will not be made until you produce the paperwork to prove that all the 'IKA' (social security) payments have been made for all the workers involved!
Building costs can vary according to the type of construction you intend to use and the overall 'quality and standard' of finish. E.g. Ceramic tiles on the floors or marble! Expect to pay around €1500 per square metre to build!
Ruined buildings are a common form of purchase and appeal to those who want a genuinely old traditional property and prepared to put in some work themselves as well as employing others to restore it. It helps here if you already know a builder that can view the property with you as sometimes these ruins are best left as they are, ruins, because there is nothing left to save and you may as well knock it down and start again.
Some features are considered very desirable in old properties so if there are one or more arches still existing, or there is the remains of an old olive or wine press, or an old fireplace you will have to pay more. Even the existence of an established vine or two can increase the price.
There are some advantages to purchasing a ruin, as you will have plenty of opportunity to stamp your own personality on it (provided again that you can get permission to enlarge the building, although if it is within a village boundary you can do almost what you like), but you will not have to worry about getting electricity and water to the property as it will probably be there already. The presence of water and electricity meters is a good sign here!
If you intend to renovate the property yourself please be aware that we don't have B and Q, or Wickes in Greece.....This means that you cannot do a one stop shop for everything you need so you need to be really organised and not forget anything when you visit your nearest large town to go shopping for materials. For timber you must go to one place, for cement another, for tiles another and so on! You will also find that at times it is difficult to get things delivered, make sure that you have an adequate map to guide delivery drivers and that you also know a suitable meeting point such as the nearest kiosk or church so that the driver can follow you from there. Some places will actually insist that meet the driver at the depot so he can follow you all the way!
Finished houses are available in most areas. These are usually older properties, many of which are habitable immediately and are family properties belonging to Greeks, that they no longer need. They will of course be Greek designed and as such are often completely different in concept from what you would expect in your own country. This type of property is very often the best to buy as they usually come complete with all the necessary permissions and paperwork and often only requires a bit of updating and refurbishment to produce either a home or a place to rent out. If you are thinking about future resale values as an investment then note that this type of property is often saleable to Greek buyers!
New Build finished houses are usually those built by developers or local builders 'on spec' with no specific buyers in mind. They do have advantages in that they will require very little extra work on your part beyond perhaps a bit of extra landscaping in the garden and if you buy them at the right stage you will be able to choose your own tiles, floors, and kitchen/bathroom fittings but do bear in mind that if you choose 'luxury' fittings then you may well have to pay more! You can also buy this type of property 'off plan'.
Of course choosing this course will mean that you will probably be buying in a development and will have close neighbours and that all of the houses will be virtually the same design, it is a good idea to tie the developer down to what he is planning to do with the rest of the vacant land if you are one of the first buyers in a development. Locally to me the first buyers in a development had a seaview, this was blocked out a few months later when the developer built another row of houses in front of them!
Again here you must consider the future of the property as most of these are designed by foreigners for foreigners which does limit your resale market.
Location, location, location.......You can buy land, build or buy a house anywhere you like, it is up to you! BUT if you intend to live in it, then you need to be aware of what the local services are like!
I have had several people staying with me, looking at property, and find their dream in a small resort on the south coast overlooking the Libyan Sea, a delightful spot during the summer, with one or two shops and a local taverna. What they do not understand is that during the winter these resorts are 'closed'! OK there may be one or two people resident all year round, but the shops are not open and neither is the taverna, and more often than not all you will have for company are a few goats and the goatherd, fine for those independent and self-sufficient folk, but you can find conversation a little limited! And do you really want to drive for two hours to the nearest large town to go shopping, particularly when it is pouring with rain or snowing in February?
We do get rain on Crete, and lots of it during the winter, so do pick your property carefully, that empty river bed beside you could well be a raging torrent during the winter!
And the more remote a property the less likely you are to be able to sell it at a later date. On the other hand Cretan villages can be very crowded places and within minutes of your moving in everyone will know your business!
Showing posts with label real estate. Show all posts
Showing posts with label real estate. Show all posts
Tuesday, 17 November 2009
Thursday, 13 December 2007
The Final Episode, The Arrival on Crete
We have got as far as Bologna, on the night of the biggest football match in Italy!
The drive from Bologna to Ancona really is not that exciting and you soon leave the heavy traffic for a 'country drive'.
After the ordiliness of Dover and Calais, the port at Ancona is an experience! After checking in for the ferry with our Internet printed vouchers, you get a proper ticket and a banner to hang off the rear view mirror and get directed to an unorderly 'group' of vehicles all clustered around the back of a ferry which is still unloading. And trucks still being searched, and illegal immigrants being arrested......As the time for departure looms closer and we are still waiting to be loaded, we begin to worry, and I set off across the tarmac to the loaders and point at the car, it looks distinctly lonely surrounded by 40 tonne trucks, there are few cars at this time of year.
'Yes, yes, we know you are there', but somehow I don't feel convinced, but finally we are loaded.
I can recommend this ferry trip, it takes 24 hours, which means you can party until the early hours and still have a lie in! A disco on board with Greek Techno music, fascinating!
The sea was so calm our wake stretched for miles behind us, without so much as a ripple to disturb it, and the following dawn we saw the coast of Greece, with mountains and snow, appear on the horizon as we made the brief stop at Igoumentsou.
It is now February 6th 2004, and later that day we dock at Patras, which is much the same as any port town, they always seem to be slightly jaded and disorganised places, just like Newhaven and Dieppe!
Disembarkation takes no time at all, and we try to get Customs to register our presence mainly because we want to re-register the car....They don't even want to look at our passports!
Petrol is 60 cents a litre......
The drive from Patras to Piraeus is easy, well fairly, the road is good, but what is missing is a sign actually directing you to the ferry port! We follow the signs for Piraeus and end up in the town (seedy again!). Finally we find the customs house and are directed along a 'track' that follows the water. Of course we have come off the main road at the wrong exit, but how are we to know that!
Chaos rains as I cue to get our boarding passes.....We get loaded on to the ferry quite early on, short on cash because we couldn't find a cash machine, once on the ferry and up high we can see the main road and at least four banks, but too late now of course!
Another pleasant voyage...these ferries are fun! The ferry from Ancona was nearly new, this one is older. but still the sheets are clean and crisp and the cabin staff are pleasant. The bar was good fun too!
We arrive at our destination, a chilly February morning soon after sunrise and as we arrive at Heraklion the sun catches Mount Ida, and the sun glints from the cap of snow it wears from November to June....Kazantzakis country at last!
Straight away my favourite quotation comes to mind.......
‘‘To my mind, this Cretan countryside resembled good prose, carefully ordered,
sober, free from superfluous ornament, powerful and restrained. It expressed all
that was necessary with the greatest economy. It had no flippancy, nor artifice
about it. It said what it had to say with a manly authority. But between the severe
lines one could discern an unexpected sensitiveness and tenderness; in the
sheltered hollows the lemon and orange trees perfumed the air, and from the
vastness of the sea emanated an inexhaustible poetry.
‘Crete.‘ I murmured. ’Crete...‘ and my heart beat fast.’‘ ’
Yes of course it comes from Zorba The Greek by the man himself.
And now nearly four years later, my heart does still beat fast, for like many who come to live here, Crete is in my heart.
On the way from Heraklion to Koutouloufari it poured with rain as only it can on Crete in February.
Having nowhere else to go we had arranged to stay with friends, for a little while, well about six seeks actually!
Now I had been to Crete before in February, but this was no preparation for what was to come, it was cold, it was wet, and then one morning I woke early and the first thing that struck me was the quality of the light coming through the gaps in the curtains.
Half awake I though to myself, that is just the sort of light you get in England when it has snowed......well of course it had! For the first time in many years Koutouloufari was wearing a comforter of snow, you couldn't call it a blanket, you certainly couldn't cal it a sprinkling either!
Snow balls in the street on Crete, snowmen in front yards? Yes we had them all, the amazing thing was the speed with which the snow was cleared so the roads were driveable. In Brighton our car used to get snowed in every year without fail, and there snow is expected!
As soon as possible we drove to Mochos, where people were digging their cars out of snowdrifts where the plough had thrown it over them, and finding a nearby olive grove we stopped to take a picture of the car and us surrounded by snow nearly a metre deep.....
But we were here and this is where we wanted to be......at last....home!
And what is the next thing we start to do??
Yes, start house hunting again!
The drive from Bologna to Ancona really is not that exciting and you soon leave the heavy traffic for a 'country drive'.
After the ordiliness of Dover and Calais, the port at Ancona is an experience! After checking in for the ferry with our Internet printed vouchers, you get a proper ticket and a banner to hang off the rear view mirror and get directed to an unorderly 'group' of vehicles all clustered around the back of a ferry which is still unloading. And trucks still being searched, and illegal immigrants being arrested......As the time for departure looms closer and we are still waiting to be loaded, we begin to worry, and I set off across the tarmac to the loaders and point at the car, it looks distinctly lonely surrounded by 40 tonne trucks, there are few cars at this time of year.
'Yes, yes, we know you are there', but somehow I don't feel convinced, but finally we are loaded.
I can recommend this ferry trip, it takes 24 hours, which means you can party until the early hours and still have a lie in! A disco on board with Greek Techno music, fascinating!
The sea was so calm our wake stretched for miles behind us, without so much as a ripple to disturb it, and the following dawn we saw the coast of Greece, with mountains and snow, appear on the horizon as we made the brief stop at Igoumentsou.
It is now February 6th 2004, and later that day we dock at Patras, which is much the same as any port town, they always seem to be slightly jaded and disorganised places, just like Newhaven and Dieppe!
Disembarkation takes no time at all, and we try to get Customs to register our presence mainly because we want to re-register the car....They don't even want to look at our passports!
Petrol is 60 cents a litre......
The drive from Patras to Piraeus is easy, well fairly, the road is good, but what is missing is a sign actually directing you to the ferry port! We follow the signs for Piraeus and end up in the town (seedy again!). Finally we find the customs house and are directed along a 'track' that follows the water. Of course we have come off the main road at the wrong exit, but how are we to know that!
Chaos rains as I cue to get our boarding passes.....We get loaded on to the ferry quite early on, short on cash because we couldn't find a cash machine, once on the ferry and up high we can see the main road and at least four banks, but too late now of course!
Another pleasant voyage...these ferries are fun! The ferry from Ancona was nearly new, this one is older. but still the sheets are clean and crisp and the cabin staff are pleasant. The bar was good fun too!
We arrive at our destination, a chilly February morning soon after sunrise and as we arrive at Heraklion the sun catches Mount Ida, and the sun glints from the cap of snow it wears from November to June....Kazantzakis country at last!
Straight away my favourite quotation comes to mind.......
‘‘To my mind, this Cretan countryside resembled good prose, carefully ordered,
sober, free from superfluous ornament, powerful and restrained. It expressed all
that was necessary with the greatest economy. It had no flippancy, nor artifice
about it. It said what it had to say with a manly authority. But between the severe
lines one could discern an unexpected sensitiveness and tenderness; in the
sheltered hollows the lemon and orange trees perfumed the air, and from the
vastness of the sea emanated an inexhaustible poetry.
‘Crete.‘ I murmured. ’Crete...‘ and my heart beat fast.’‘ ’
Yes of course it comes from Zorba The Greek by the man himself.
And now nearly four years later, my heart does still beat fast, for like many who come to live here, Crete is in my heart.
On the way from Heraklion to Koutouloufari it poured with rain as only it can on Crete in February.
Having nowhere else to go we had arranged to stay with friends, for a little while, well about six seeks actually!
Now I had been to Crete before in February, but this was no preparation for what was to come, it was cold, it was wet, and then one morning I woke early and the first thing that struck me was the quality of the light coming through the gaps in the curtains.
Half awake I though to myself, that is just the sort of light you get in England when it has snowed......well of course it had! For the first time in many years Koutouloufari was wearing a comforter of snow, you couldn't call it a blanket, you certainly couldn't cal it a sprinkling either!
Snow balls in the street on Crete, snowmen in front yards? Yes we had them all, the amazing thing was the speed with which the snow was cleared so the roads were driveable. In Brighton our car used to get snowed in every year without fail, and there snow is expected!
As soon as possible we drove to Mochos, where people were digging their cars out of snowdrifts where the plough had thrown it over them, and finding a nearby olive grove we stopped to take a picture of the car and us surrounded by snow nearly a metre deep.....
But we were here and this is where we wanted to be......at last....home!
And what is the next thing we start to do??
Yes, start house hunting again!
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