VAT and real estate investments
VAT and real estate investments

💶 VAT and Real Estate Investments in 2025: When You Can Reclaim It — and When You Can’t

Since 1 January 2025, Estonia’s standard VAT rate has increased to 24%.
This change directly affects property investors, especially those buying or managing real estate through a company.

Whether VAT can be reclaimed depends entirely on how the property is used
for taxable business (e.g. accommodation, office) or for VAT-exempt residential rental activity.


⚙️ How VAT Applies to Real Estate

According to the Estonian VAT Act (§16):

  • Residential sales and rental are VAT-exempt (no 24% VAT added).
  • Commercial and accommodation use can be taxable if the seller or landlord is VAT-registered and the activity is properly declared.

🏢 Investing in Property Through a Company

Property Type / UseIs VAT Added in 2025?RateCan Input VAT Be Reclaimed?Notes
Long-term residential rental❌ No❌ NoVAT-exempt, no input VAT recovery
Commercial rental (office, retail, etc.)✅ Yes24%✅ YesIf the tenant is a business and the lease is VAT-inclusive
Airbnb / short-term accommodation✅ Yes13%✅ YesMust be registered as an accommodation service (EMTAK 55.xx)
Sale of existing residential unit❌ No❌ NoVAT-exempt sale
New development (before first occupancy)✅ Yes24%✅ YesIf used in VAT-taxable activity
Mixed use (residential + business/accommodation)⚖️ Partially24% / 13% / –⚖️ PartialProportional deduction based on usage

💰 Example (2025)

A company purchases a new commercial property for €100,000 + €24,000 VAT.
If it’s used as an office or business space, the company can reclaim the €24,000 input VAT.

If the same property is rented as a long-term residence, no VAT can be reclaimed —
the entire cost remains VAT-inclusive.


🧮 Input VAT Adjustment (10-Year Correction Period)

If the property’s use changes later (e.g. from Airbnb to long-term rental),
a proportionate part of previously reclaimed VAT must be repaid.

Example:
Property bought in 2025 for short-term rental (VAT reclaimed).
In 2028, the owner switches to long-term residential rental.
→ 7 years remain in the 10-year correction period → 7/10 of the reclaimed VAT must be returned.


🏨 Special Case: Airbnb and Short-Term Accommodation

Short-term letting via Airbnb or Booking.com qualifies as an accommodation service if:

  • stays are short (daily basis),
  • services are provided (cleaning, bed linen, key management, etc.),
  • the business is registered under EMTAK group 55.xx.

Then:

  • 13% VAT applies (reduced accommodation rate),
  • input VAT can be fully reclaimed,
  • the business must be VAT-registered (if annual turnover exceeds €40,000).

⚠️ Common Mistakes

  1. Residential rental is always VAT-exempt, even between two companies.
    Exception: both parties sign a written agreement to apply VAT (§16(3) of the VAT Act).
  2. Ignoring the 10-year correction rule — the Tax and Customs Board can reclaim VAT if the property’s use changes.
  3. Unregistered companies cannot reclaim VAT, even if the invoice includes it.

✅ Summary

Use Type2025 VAT RateInput VAT ReclaimNotes
Residential rental❌ NoVAT-exempt
Commercial rental24%✅ YesVAT-taxable activity
Airbnb / accommodation13%✅ YesRegistered accommodation service
New development (pre-use sale)24%✅ YesIf for business use
Mixed use24% / 13% / –⚖️ PartialProportionate to use
Sale of used residential property❌ NoVAT-exempt

📚 References

  • Value-Added Tax Act (Käibemaksuseadus) §16 and §32
  • Estonian Tax and Customs Board:
    “VAT on Real Estate Transactions and Input VAT Adjustment”
    www.emta.ee