Slovakia:

Buyers' Guide

Buyers' Guide to Purchasing Property in Slovakia's Housing Market

Contents

Introduction

Slovakia is a parliamentary democratic republic state. The state is one of the two successors of the end of Communist rule in Czechoslovakia in 1989 (the other successor state is Czech Republic).1

Slovakia is a civil law country and its legal regime is based on Austro-Hungarian codes. 

In general, foreigners may acquire real estates, apart from agricultural and forestry land in Slovakia.

In terms of the protection of private property, private property rights are protected. The Slovak judiciary is independent and comparatively effective. However, some court decisions can take a long time to be made and the country still experience corruption.2

Slovakia has been appraised for its economic freedom, especially investment freedom, trade freedom, financial freedom, and fiscal freedom. In respect of Slovakia's fiscal system, it is fairly simple and moderate, both the income and corporate tax rates are a flat rate of 19%. Other taxes include a value-added tax (VAT) of 19% and a property tax.3

Legal Guide

LAW

Slovakia is a civil law country and its legal regime is based on Austro-Hungarian codes. 

As such, court judgments in Slovakia do not have general legally binding force (i.e. they are not a source of law).4 The highest legislative body is the National Council and the highest judicial branches are comprised of the:

  • Constitutional Court;
  • Supreme court; and
  • Special court5  

In respect of the real estate sector, the laws are complex. The following are some of the relevant laws governs the land and buildings in Slovakia:

  • Constitution
  • Civil Code
  • Act on Ownership of Apartments and Non-Residential Premises
  • Act on Lease and Sublease of Non-residential Premises
  • Decree No. 158/2004 Coll. on building materials (in force since April 2004)
  • Act N 90/1998 Coll. on building products (in force since October 1, 1998) as amended by Act 314/ 2004
  • Act No. 162 on the Real Estate Cadastre
  • Act 237/2000 amending the Act 50/1976 Coll. on Territorial Planning and Building Order (Building Act)
  • Land-Use Planning and Building Order Act (Building Act)
  • Act 138/1992 on Authorised Architects and Authorised Civil Engineers, as amended
  • Act No. 138/1992 Coll. on Authorised Architects and Authorised Civil Engineers5  

OWNERSHIP & RIGHTS

Slovakia is a civil law country and its legal regime is based on Austro-Hungarian codes.  In such legal system, decisions made by courts do not have legal binding force, as they are not source of law.

In general, foreign individuals may acquire real estates, apart from agricultural and forestry land in Slovakia. Furthermore, a Slovak incorporated company may acquire real estate, even though the company is owned from abroad. 

Pursuant to the Civil Code, ownership and right of possession can be acquired in Slovakia. In addition, various other rights, such as the third party rights (such as encumbrances – easements and/or servitudes, liens and right of pre-emption). Encumbrances can be established both as a right in rem as well as in personam. Rights established as purely contractual rights can only exist between the relevant parties to the contract and is not successive, unless agreed otherwise. In terms of the pre-emption right, it can be established in rem only if parties agreed so.6

BUYING PROCEDURE

The buying procedure for an off-plan property is in general as follows:

1. Reserve the property
Once you have chosen your ideal property, a reservation agreement is to be signed with the seller and a reservation deposit needs to be paid (will form part of the purchase price).

2. Exchange Contract
Before signing preliminary purchase contract, buyers are suggested to consult a local law firm or conveyancing lawyer on analyse the risk, any unfavourable terms of the contract.  The conveyancing lawyer is also able to carry out a due diligence check for buyers for the purpose of finding out whether the seller is in the legitimate position of selling the subject property. Upon signing of the contract, first instalment/payment is often required.

3. Title Transfer
Once the Final Building Approval is granted by the government, the seller will inform the buyer to take over the property and sign the final property purchase agreement and settle the final payments. Following this, the seller will apply to the Poprad Land Registry for the transfer of the title deed.

There is no obligation to register any rights in land in Slovakia although in majority of the cases registration is required for creation of such rights itself.7

Taxation (for non-resident foreign individuals)

TAXATION when acquiring/buying property

category tax/fee rate scope/remark
Value Added Tax (VAT) 19% within 5 years after the official completin of the contruction  
Property Transfer Tax NIL abolished in 2005

TAXATION when owning/holding property

category  tax/fee rate   scope/remark
Income Tax 19% Interest from loans provided to finance real estate, expenses
and property related costs (e.g. management fees,
insurance etc.) can be exempted from income tax.
Property Tax
  • SKK12/m2 for flats
  • SKK17/m2 for villas
 This is an annual tax.
Holding Property Tax   A annual local real estate and land tax, which is imposed
differently depending on region. (e.g. SKK20/m2 in High
Tatras area)

TAXATION when Selling/DISPOSing property 

 category  tax/fee rate   scope/remark
Capital Gains Tax (CGT)  no CGT as such, please refer to the Income tax column  
Income Tax  19% of the profit  
Inheritance Tax  Nil  abolished in 2004            

Slovakia has entered double taxation agreements (DTA) with various countries, including the UK, most other the EU member countries, the USA and Switzerland. For more information please refer to Slovakia Ministry of Finance website at: http://www.finance.gov.sk/en/Default.aspx?CatID=285  


1. Economist Intelligence Unit, 2008, Country Background – Slovakia [Online] Available at: http://www.eiu.com (accessed 20th May 2008)

2. The Heritage Foundation, 2008, Index of Economic Freedom – Slovakia [Online] Available at: http://www.heritage.org/index/country.cfm?id=SlovakRepublic (accessed 20 May 2008)

3. Same as 2.

4. European Judicial Network, 2008, Legal Order – Slovakia [Online] Available at: http://ec.europa.eu/civiljustice/legal_order/legal_order_svk_en.htm (accessed 20 May 2008)

5. Doing Business, part of The World Bank Group, 2008, Land and Building Laws of Slovakia [Online] Available at: http://www.doingbusiness.org/LawLibrary/LawLibrary.aspx (accessed 20th May 2008)

6. The International Comparative Legal Guide, 2008, Real Estate 2007 – Slovakia [Online] Available at: http://www.iclg.co.uk/ (accessed 20 May 2008)

7. Same as 6.

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