Real estate agent costs
Costs will vary from ca 3.000 EUR up to ca 1 % of the purchase price. Please check if whether the fee is including B.T.W.
Costs are not subject to tax relief (*)
For the purchase of your home you can use the services of a real estate agent. He/she will;
- help you search for a home (according to the criteria requirements set up by you)
- visit the home of your choice, have a quickscan on the technical state of the home (not a technical inspection)
- negociate the purchase price and check the purchase contract for you.
- help you with notary handling notary documents (Wwft etc)
Hiring a real estate advisor is not mandatory but can be helpful, especially in tight markets
Mortgage loan advice costs
Costs for a full service independent advice varies from 2.500 EUR up to 3.500 – 3.750 EUR EUR for more complex (entrepreneur) casus.
Costs are subject to tax relief (*)
Costs are for arranging the loan and writing an extensive report. You can assign an independent mortgage loan advisor (shop at different banks) or go to a bank (bank offer only).
N.H.G. Contribution
One off fee for N.H.G. contribution (up to purchase price to 470.000 EUR) is 0,4% of the loan amount.
Costs are subject to tax relief (*)
Bank warrantee
Costs of a bank warrantee are mostly 1% of the warrantee amount (which is 10% of the purchase price of your home). Some banks do not charge a fee for the bank warrantee.
Costs are not subject to tax relief (*)
Technical inspection
A technical inspection give you insight in the technical condition of a house / apartment. Cost indication is 400 – 495 EUR.
Costs are subject to tax relief (*)
Sworn translator
Costs – depending on language – are ca 300 – 375 EUR.
At the notary office the deeds (transfer of ownership and registration of mortgage loan) are read to you in Dutch language. If you do not understand the contens of the deeds in dutch a sworn translator must be hired.
Costs are subject to tax relief as far as the deed for registration of the mortgage loan is concerned (mostly 50% of the total costs). (*)
Notary office costs
Notary costs are roughly divided in costs linked to the deed of transfer of ownership and costs linked to the deed of registration of the mortgage loan, indicatively for both deeds around 2.000 EUR has to be budgetted (roughly 1.000 EUR per deed).
Costs related to the deed of transfer of ownership are not subject to tax relief, for the costs related to the deed of registration of the mortgage loan, they are subject to tax relief.
Transfer tax (governmental tax)
Transfer tax is levied when ownership of a house is transferred to the new owner (regular 2% of purchase price (main residence), 8% of purchase price if non main residence (rented out, holiday home), and 10,4% in all other cases. If you meet all requirements you can be exempted from transfer tax (0%).
Transfer tax is not subject to tax relief (*)
(*) subject to tax relief only in case it is related to a main residence. No rights whatsoever can be derived from the content of this page. Content can be subject to changes.