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Purchase costs come first. Across different markets, the costs typically include a property transfer tax, notary costs, registry costs, the cost of legal advice and agency commission. As a rough planning figure, budget a meaningful percentage on top of the price, and verify the actual local figures.

Annual property taxes come next. The rates differ from place to place, and a number of markets charge a separate rate for non-residents. Where the property sits empty most of the time, additional levies sometimes apply.

Building charges catch buyers out. A unit in a development with a swimming pool, landscaping and marbella homes for sale shared parking comes with regular fees that run on regardless of occupancy. Ask for the building's financial records before signing, and check on upcoming renovation projects.

Remote ownership creates a category of its own. Someone must handle keys for maintenance visits, accept letters and bills, and organise repairs. A management company usually takes buy a home in podravska percentage of the rent, and going without it usually proves costly in the long run.

Insurance, utilities and eventual selling costs complete the calculation. Capital gains tax may apply when a non-resident sells, and the resident rate is not always the one that applies. A useful exercise means putting together a five-year cost model before making an offer — the figure is usually higher than expected.