Property purchase costs in Belgium 2025: complete guide
Buying real estate in Belgium involves additional costs that can represent between 11% and 15% of the purchase price. Here is a complete overview to properly budget your project.
Registration fees by region
| Region | Standard rate | Reduced rate | Condition |
|---|---|---|---|
| Wallonia | 12,5% | 6% | Modest property (<€200K) |
| Brussels | 12,5% | — | Deduction of €200K (first purchase) |
| Flanders | 12% | 3% | Single property + owned |
Notary fees
Notary fees are regulated by law and calculated on a sliding scale according to the purchase price. Expect about 1% to 1.5% of the price for fees alone. Administrative costs (mortgage searches, soil certificates, cadastral extracts) of approximately €1,000 to €1,200 must be added, plus 21% VAT on fees and administrative costs.
Mortgage credit costs
If you borrow money, additional costs are added: mortgage registration (approximately 1% of the borrowed amount), mortgage writing fee, property appraisal fees (€300-500) and bank file fees (€300-500).
Concrete example: house at €350,000
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