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Closing costs hit at the very beginning. Across different markets, they may cover stamp duty, notary costs, registry costs, the cost of legal advice and broker fees. As a working assumption, set aside a noticeable share above the purchase price, and confirm the exact rates locally.

Annual property taxes come next. Assessment methods differ substantially, and a number of markets apply a separate rate for non-residents. If the home stands vacant villas for sale in valldemossa much of the year, vacancy taxes may apply.

Building charges are easy to underestimate. A flat in a complex with a pool, an elevator and shared parking comes with monthly costs that run on regardless of occupancy. Request the building's financial records before you commit, and enquire about upcoming renovation projects.

Distance creates a category of its own. A caretaker has to be available for emergencies, deal with correspondence from the authorities, and organise the work of contractors. A management company normally charges a share of rental income, and doing without it usually proves a false economy.

Insurance, running costs and indonesia houses the cost of selling complete the budget. Tax on the sale may apply to non-resident sellers, sometimes at a different rate. A useful exercise involves building a simple long-term cost projection before you commit — the figure is usually higher than expected.