At a glance
- On resale properties, property transfer tax is 3% and is normally paid by the buyer.
- Brokerage for buyers under Mladen's agreement: 3% of the price plus 25% VAT on the fee (3.75% in total).
- Notary, court, registry, translation and specialist costs are separate and depend on the case.
- Budget for roughly the price plus the percentages below, then add the case-specific extras.
The main costs
| Cost | Basis | Notes |
|---|---|---|
| Purchase price | Agreed with the seller | Paid as set out in the contract. |
| Brokerage fee | 3% of the agreed price + 25% VAT on the fee | Under a signed brokerage agreement. 3.75% in total. |
| Property transfer tax | 3% of the assessed market value | Resale properties. Normally paid by the buyer. Exemptions exist in specific cases. |
| VAT on new builds | 25%, usually included in the developer's price | Where VAT applies, transfer tax is generally not charged. Check how the price is quoted. |
| Notary fees | Set by the notary tariff, based on value and the type of act | Ask the notary for a quote. Not estimated in the calculator. |
| Court and land-registry fees | Official fees for registration | Confirm the current amounts for your application. |
| Translations and interpreting | Per document or per hour | Only if needed. Agreed with you before they are commissioned. |
| Surveys and specialists | Quoted by each professional | Surveyor, architect, engineer or valuer, if you commission one. |
| Bank and mortgage costs | Set by the bank | Only if you finance the purchase. |
A worked example
For a resale property agreed at €300,000: brokerage €9,000 + €2,250 VAT = €11,250; transfer tax 3% = €9,000. That is €20,250 (6.75%) before notary, court, translation and specialist costs. The cost calculator does this for any price and lets you add the other figures.
What about the transfer tax base?
The tax is calculated on the market value of the property as assessed by the Tax Administration. In most ordinary sales this is close to the agreed price, but it is not guaranteed to be identical. The calculator uses the price you enter as a stand-in.
Running costs after you own it
Owners pay utilities, building maintenance (for apartments), insurance and local charges and taxes set by the municipality. Local property charges have changed in recent years and differ between municipalities, so ask about the current position for the specific property. Taxes on rental income or a later sale are separate topics for a tax adviser.
This is general information, not tax advice. Rates, exemptions and procedures change. Confirm them for your case with the notary, the Tax Administration or a tax adviser.