There are 3 types of solicitor's fees (NL: notariskosten FR: frais de notaire) that need to be paid when buying property in Belgium; registration fees, expenses and disbursements and the solicitor’s wage.
Registration fees (NL: registratierechten FR: droits d’enregistrement) are the costs that need to be paid when the property you purchased is registered to your name. This amount will be between 5% to 20% of the property’s value depending on what region the property is located in and its size.
Expenses and disbursements
These expenses and disbursements (NL: kosten en uitgaven FR: frais et débours) include search fees, transcription charges, stamp duties, etc.
This is fixed by the government on a standard scale of fees and can differ depending on the type of the deed for the property.
There are different kinds of taxes that need to be paid on a property like VAT (NL: BTW FR: TVA) council tax, cadastral income tax, property tax, etc. You can find more information on these on our tax pages.
The file costs (NL: dossierkosten FR: frais de dossier) are costs that need to be paid to the bank to cover the creating and managing of your file. This usually is less than 1% of the mortgage loan.
You can have a surveyor take a look at your property before you decide to buy it, that way you are sure that there is nothing wrong with it. Also, when you apply for a mortgage, your bank will have a survey done to make an estimate of how much the property is worth. Costs for this should be less than €350.
And last but not least, you need to take into account the cost you will incur when moving all your furniture and appliances to you new home.