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Foreign ownership rules, closing costs, mortgage availability, and step-by-step buying processes for every major expat property market. All data verified from 2025–2026 registrar and practitioner sources.
Countries
19
Open Markets
11
Restricted
7
Mortgage Available
16
Property → Residency
5
Deep-dive intelligence on ownership rules, closing costs, neighborhoods, rental yields, and risk — for 7 major expat cities. Completely free.
Golden Visa ended — D7 now the path
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40-50% cheaper than Barcelona
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Strict STR rules reshaping market
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0% income tax, 0% capital gains
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Condos only — 49% foreign quota
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Highest closing costs in Western EU
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Fideicomiso rules for foreigners
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No restrictions on foreign ownership — buy on the same terms as locals.
| Country | Closing Costs | Annual Tax | Mortgage (non-res) | Avg $/m² | Guide |
|---|---|---|---|---|---|
| 🇵🇹 Portugal | 7–12% | 0.3–0.45% | 60–75% LTV | $2,300 | Read → |
| 🇪🇸 Spain | 8–13% | 0.4–1.1% | 60–70% LTV | $2,500 | Read → |
| 🇫🇷 France | 7–8% | 0.5–2% | 70–80% LTV | $4,500 | Read → |
| 🇮🇹 Italy | 7–15% | 0.4–0.76% | 50–60% LTV | $2,800 | Read → |
| 🇩🇪 Germany | 10–15% | 0.3–0.8% | 60–70% LTV | $3,500 | Profile → |
| 🇳🇱 Netherlands | 6–10% | 0.1–0.3% | 60–80% LTV | $4,200 | Profile → |
| 🇹🇷 Turkey | 4–6% | 0.1–0.6% | 50–70% LTV | $1,200 | Profile → |
| 🇯🇵 Japan | 6–8% | 1–1.7% | 50–70% LTV | $5,000 | Profile → |
| 🇨🇷 Costa Rica | 3.5–5% | 0.25–0.25% | 50–70% LTV | $1,800 | Profile → |
| 🇵🇦 Panama | 2–5% | 0–0.75% | 50–70% LTV | $2,000 | Profile → |
| 🇨🇴 Colombia | 3–5% | 0.5–1.6% | 50–70% LTV | $1,200 | Profile → |
Foreigners can buy but with conditions — condos only, special zones, leasehold limits, or government approval.
| Country | Restriction | Closing Costs | Guide |
|---|---|---|---|
| 🇬🇷 Greece | Border zone permit needed in some areas. Otherwise open. | 7–10% | Profile → |
| 🇦🇪 Dubai (UAE) | Freehold in 20+ designated areas only | 7–8% | Read → |
| 🇹🇭 Thailand | Condos only (49% foreign quota per building). Land prohibited. | 1–2% | Read → |
| 🇲🇾 Malaysia | Minimum price thresholds (RM 1M+ in most states). MM2H visa may be required. | 4–5% | Profile → |
| 🇸🇬 Singapore | Condos freely. Landed property needs government approval. 60% ABSD surcharge for foreigners. | 8–30% | Profile → |
| 🇲🇽 Mexico | Fideicomiso bank trust required in restricted zone (50km coast, 100km border) | 4–7% | Read → |
| 🇪🇨 Ecuador | No border/coastline land for foreigners. Otherwise open. | 2–5% | Profile → |
Foreigners cannot own freehold property — leasehold or other structures only.
Countries that still offer residency or citizenship through property investment.
Golden Visa from €250K (€400K in Athens/Thessaloniki/Mykonos/Santorini).
From $270,000
Golden Visa from AED 2,000,000 (~$545K) property.
From $545,000
Citizenship from $400K property. Short-term residency from $200K.
From $400,000
Investor visa from ~$150K property investment.
From $150,000
Investor visa from ~$42K property investment.
From $42,000
Personalized analysis: total cost, tax, visa, and neighborhood fit for your exact situation.
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The information on this page is for general informational purposes only and does not constitute legal, tax, financial, or real estate advice. Property laws, tax rules, and market conditions change frequently. Always consult qualified local professionals before making property decisions.