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|
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|
|Interpreter at notary||€ 275|
|Transfer tax||€ 8,000|
|Unforeseen costs (budget)||€ 6,000|
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.