Below you will find an indication of the costs involved in
purchasing your home.
What is striking is that many websites give too rosy a picture of the costs. A real estate agent does not cost € 2000 and a
notary does not cost € 500 (source: Hypotheker website). These are
rates that do not occur in real life in most regions. An important advice from practice: include costs
well in your budget.
Below you will find an overview of the indicative and most common costs. We make a distinction between costs that you actually always have, costs that you have optional and costs that really depend on the situation.
| Cost item: | Always? | Indication costs: | Tax-deductible? |
| Mortgage brokerage costs | Yes | Between € 3000 and € 6000 | Yes |
| Costs for National Mortgage Garantee | Optional | 0.7% of the total mortgage amount. | Yes |
| Purchase broker | Optional | Between € 3000 and € 7000 | No |
| Taxation | Yes | Between € 800 and € 1000 | Yes |
| Tecnical inspection | Optional | Ca. € 400 | No |
| Bank guarantee | Optional | Ca. € 275 | No |
| Notary fees | Yes | Between € 1200 and € 1500 | Partly |
| Interpreter at notary | Mandatory if the buyer does not speak Dutch | Ca. € 275 | No |
| Transfer tax | Yes | 2% of the purchase price | No |
| Rebuilding costs | Optional | Depends entirely on the home and wishes. | Yes via building depot |
| Unforeseen expenses | Yes | With every home, even new construction, there are always unforeseen costs. Advice: keep at least 1 , 5 % of the purchase price in cash for this. | No |
A
cost example from practice
An English-speaking customer
has purchased a home of € 400,000. His total costs are as
follows:
| Broker costs Mortgage | € 4,000 |
| Purchase broker | € 4,500 |
| Appraisal report | € 800 |
| Tecnical inspection | € 400 |
| Notary | € 1,300 |
| Interpreter at notary | € 275 |
| Transfer tax | € 8,000 |
| Unforeseen costs (budget) | € 6,000 |
| Total: | € 25,275 |
This article is purely indicative.In this article we take into account the most common costs.There are many more costs that can be associated with a home such as leasing out lease payments, building interest, et.Always inform yourself well with your mortgage adviser and / or broker.