The sticker price is never the real price. Notary fees, agent commission and transfer taxes can add 2–15% on top. Calculate your true all-in cost before you commit.
Every buyer focuses on the asking price and the deposit. But on completion day you also pay a stack of one-off costs that can quietly add tens of thousands. The three biggest are:
New-build properties often carry lower notary fees than resale homes (reflected by the property-type toggle above), but may add VAT in some countries.
If you have €60,000 saved and assume it's all deposit, high buying costs can swallow a big chunk of it — leaving you short on the down payment your bank requires. Always calculate buying costs first, then size your deposit around what's left. Pair this with the Down Payment Planner and the Mortgage Calculator.