The purchase price is just the start. Registration duty, notary fees, mortgage costs and a post-purchase buffer - the full picture determines whether your purchase is realistic.
When buying in Belgium you typically pay: registration duty (2% to 12.5% depending on region and situation), notary fees (fee + deed costs, roughly 2% to 5%), and mortgage costs if you borrow.
Together these extras can easily reach 10% to 20% of the purchase price. That is usually the amount you cannot borrow and must cover from your own funds.
Beyond the big items there are smaller costs that add up: a possible appraisal report, mandatory soil certificate, EPC certificate, moving costs and a buffer for unexpected repairs.
Listing everything upfront prevents your budget from being under pressure right after the deed.
The mortgage calculator combines purchase price, costs, own contribution and monthly payment in one clear scenario. You know beforehand whether it all fits - no spreadsheet needed.
Budget for 10% to 20% of the purchase price, depending on region, property type and whether it is your first purchase. The mortgage calculator shows a more precise picture.
Most banks finance the purchase price, not the costs. The extras usually need to come from your own savings or equity.
Yes. For new builds you often pay 21% VAT on the construction instead of registration duty, plus duty on the land. The total cost picture can differ significantly.
Then you may need to look for a cheaper property, save more, or check if you qualify for reduced registration duty. The mortgage calculator helps explore that scenario.
Pandwijzer gives an indicative overview of typical extra costs. Exact amounts depend on your specific situation, region and notary.