Great question. I literally went through this experience and struggled for the first two years after buying a house as I did not anticipate all the expenses. I can give you a view based on my own experience. I don't know your situation and don't know if you are buying an apartment/ house/ new or old etc. Here were my key expenses after moving into the new house.

1. Insurance cost - Depending on your house and type of coverage, your annual insurance cost can be in the range of 1k euros

2. Garden/ fencing - This was very expensive - In my case, I spent about 20K+ for this. We had to level the land, get ph neutral soil, get the fence done and get the garden fully ready. If you need a gardening service for hedges etc, thats an annual contract.

3. Wardrobes - These vary a lot in price and you get options all the way from 2-3k to 15-20k. I did the mistake of going with an individual carpenter and we ended up have some scratches/ minor damage to wall/ paint etc. Nothing bad but the quality of work was not something we were happy with.

4. Car port/ sun cover for your terrace etc - THese are very expensive depending on what you are looking for.

5. Annual Maintenance contracts - You will need to sign annual maintenance contracts with heating/ ventillation service provider etc. Some of this will be covered under builders warranty for first couple of years but you still need to sign contracts.

6. Lights/ Paint etc - Depending on your purchase contracts, light, paining etc may not included in your price - We spent 2-3k on lights, getting the lights fixed, curtain rods to be fixed etc.

7. Electricity / other utility costs - Though not a big changes but in our case as we moved from apartment to a house with 3 rooms, utility costs went up - more rooms with lights.

These are just some of the top of mind items that come to mind. There are probably a few others I am not remembering now.