Registration duty is the biggest extra cost when buying property in Belgium. The rate depends on the region, property type and whether it is your first purchase. Then open the mortgage calculator to combine everything.
In Flanders you pay 2% on your only own home (up to a ceiling) or 12% otherwise. Brussels and Wallonia each apply 12.5%, with an abatement for the family home.
These differences mean two identical properties in different regions can produce thousands of euros in cost difference. The mortgage calculator accounts for this automatically.
Buyers purchasing a modest home as their sole residence can benefit from a reduction in every region, though the mechanism differs: Flanders uses a reduced rate, Brussels and Wallonia use a tax-free base (abatement).
Energy-efficient homes or properties subject to renovation obligations may qualify for an additional advantage in Flanders. Exact conditions change regularly - always check the latest status.
Registration duty alone says little. Combine it with notary fees, mortgage costs and your own equity for a realistic budget. The mortgage calculator does this in one scenario.
At the signing of the authentic deed at the notary, typically within four months of the compromise. The notary handles payment to the tax authority.
No. For your only own home a reduced rate of 2% applies since 2022 (up to a price ceiling). Above that or for a second home you pay 12%.
Banks typically finance the purchase price, not the costs. Registration duty usually falls under your own contribution. Use the mortgage calculator to see this in context.
No. Registration duty is a tax for the government. Notary fees cover the notary's fee and deed costs. Both come on top of the purchase price.
Pandwijzer provides a practical overview based on currently known rates. This is not tax advice - consult your notary or tax adviser for your specific situation.