What buying really costs
The asking price is not what you pay. Registration duties, notary fees, disbursements and VAT come on top, and the gap between regions often exceeds €6,000 on the same property. Here is the calculation, item by item.
The property
The financing
Enter a purchase price to see the calculation.
💶 What you pay on top of the price
📊 How your budget splits
Purchase deed, in detail
🏦 Credit deed — estimate
This block is an estimate, not a sourced calculation. The fee scale for a credit deed is not that of a sale deed, and we have not checked it against the official text. Fees are approximated using the sale scale applied to the amount borrowed. Ask your notary for the exact statement.
The method, and its limits
What is sourced
Registration duties and allowances come from the regional administrations. Fees follow scale J of the Royal Decree of 16 December 1950, in its 9 February 2026 consolidation published by the Royal Federation of Belgian Notaries. Our calculation reproduces that source's four worked examples to the cent. Administrative costs and non-itemisable disbursements are those of article 2, § 2 of the same decree.
What the calculation does not cover
Credit deed costs, estimated and announced as such. A purchase under the VAT regime, that is a new build, where there are no registration duties on the building but 21% VAT. Particular regional reductions, taking over an existing loan, bank arrangement fees, and any agency commission where the buyer bears it.
For the exact figure, ask your notary for a statement: only they can produce it, and they do so free of charge before signing.